/* ============================================
   SkyCredit - Premium Financial UI
   Inspired by top VN fintech: timo.vn, finhay
   ============================================ */

:root {
    --primary: #1a56db;
    --primary-dark: #1e40af;
    --primary-bg: #eff6ff;
    --primary-50: #dbeafe;
    --accent: #ea580c;
    --accent-dark: #c2410c;
    --accent-bg: #fff7ed;
    --accent-50: #ffedd5;
    --green: #16a34a;
    --green-bg: #f0fdf4;
    --green-50: #dcfce7;
    --red: #dc2626;
    --red-bg: #fef2f2;
    --yellow: #ca8a04;
    --yellow-bg: #fefce8;
    --purple: #7c3aed;
    --gray-50: #f8fafc;
    --gray-100: #f1f5f9;
    --gray-200: #e2e8f0;
    --gray-300: #cbd5e1;
    --gray-400: #94a3b8;
    --gray-500: #64748b;
    --gray-600: #475569;
    --gray-700: #334155;
    --gray-800: #1e293b;
    --gray-900: #0f172a;
    --white: #fff;
    --font: 'Be Vietnam Pro', system-ui, -apple-system, sans-serif;
    --rounded: 12px;
    --rounded-lg: 16px;
    --rounded-xl: 20px;
    --rounded-full: 9999px;
    --shadow-sm: 0 1px 2px 0 rgba(0,0,0,.05);
    --shadow: 0 1px 3px 0 rgba(0,0,0,.1),0 1px 2px -1px rgba(0,0,0,.1);
    --shadow-md: 0 4px 6px -1px rgba(0,0,0,.1),0 2px 4px -2px rgba(0,0,0,.1);
    --shadow-lg: 0 10px 15px -3px rgba(0,0,0,.1),0 4px 6px -4px rgba(0,0,0,.1);
    --shadow-xl: 0 20px 25px -5px rgba(0,0,0,.1),0 8px 10px -6px rgba(0,0,0,.1);
    --ring-primary: 0 0 0 3px rgba(26,86,219,.15);
}

/* Reset */
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--font);font-size:16px;line-height:1.7;color:var(--gray-700);background:var(--white);overflow-x:hidden;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{text-decoration:none;color:var(--primary);transition:.2s ease}
a:hover{color:var(--primary-dark)}
ul,ol{list-style:none}
::selection{background:rgba(26,86,219,.12)}
:target{scroll-margin-top:80px}
*:focus-visible{outline:2px solid var(--primary);outline-offset:2px;border-radius:4px}

/* Button link fix */
a.btn,a.btn:hover,.content-body a.btn,.content-body a.btn:hover{color:var(--white)!important;text-decoration:none!important}

/* Layout */
.container{max-width:1140px;margin:0 auto;padding:0 24px}
.text-accent{color:var(--accent)}

/* ===================== BUTTONS ===================== */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 28px;border:none;border-radius:50px;font-family:var(--font);font-size:.9rem;font-weight:700;cursor:pointer;transition:all .2s ease;white-space:nowrap;color:var(--white);line-height:1.5}
.btn:hover{transform:translateY(-1px)}
.btn:active{transform:translateY(0)}
.btn-primary{background:var(--primary);box-shadow:0 1px 2px rgba(26,86,219,.2)}
.btn-primary:hover{background:var(--primary-dark);box-shadow:0 4px 12px rgba(26,86,219,.25)}
.btn-accent{background:var(--accent);box-shadow:0 1px 2px rgba(234,88,12,.2)}
.btn-accent:hover{background:var(--accent-dark);box-shadow:0 4px 12px rgba(234,88,12,.25)}
.btn-full{width:100%}
.btn-lg{padding:14px 36px;font-size:.95rem;border-radius:var(--rounded-lg)}
.btn-sm{padding:8px 18px;font-size:.8rem}

/* ===================== HEADER ===================== */
.header{position:fixed;top:0;left:0;right:0;height:64px;background:rgba(255,255,255,.95);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-bottom:1px solid var(--gray-200);z-index:1000;transition:.2s ease}
.header.scrolled{box-shadow:var(--shadow-md)}
.header-inner{display:flex;align-items:center;height:100%;gap:8px}
.logo{display:flex;align-items:center;gap:8px}
.logo-text{font-size:1.25rem;font-weight:800;color:var(--gray-900)}
.logo-highlight{color:var(--accent)}
.header-inner .nav{display:flex;align-items:center;gap:2px;margin-left:auto}
.nav-item{position:relative}
.nav-item .nav-link{display:flex;align-items:center;gap:4px;padding:8px 12px;font-size:.87rem;font-weight:600;color:var(--gray-600);border-radius:8px;transition:.15s ease}
.nav-item .nav-link:hover{background:var(--gray-100);color:var(--gray-900)}
.nav-arrow{transition:.2s ease}
.nav-cta{margin-left:12px}
.dropdown{position:absolute;top:calc(100% + 4px);left:0;min-width:240px;background:var(--white);border-radius:var(--rounded);box-shadow:var(--shadow-xl);border:1px solid var(--gray-200);padding:6px;opacity:0;visibility:hidden;transform:translateY(8px);transition:.2s ease;z-index:100}
.nav-item.has-dropdown:hover .dropdown{opacity:1;visibility:visible;transform:translateY(0)}
.nav-item.has-dropdown:hover .nav-arrow{transform:rotate(180deg)}
.dropdown-link{display:block;padding:9px 12px;font-size:.85rem;font-weight:500;color:var(--gray-600);border-radius:8px;transition:.15s ease}
.dropdown-link:hover{background:var(--gray-50);color:var(--primary)}
.hamburger{display:none;flex-direction:column;gap:5px;padding:8px;background:none;border:none;cursor:pointer;margin-left:auto}
.hamburger span{width:22px;height:2px;background:var(--gray-800);border-radius:2px;transition:.2s ease}
.hamburger.active span:nth-child(1){transform:rotate(45deg) translate(5px,5px)}
.hamburger.active span:nth-child(2){opacity:0}
.hamburger.active span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}

/* ===================== BREADCRUMBS ===================== */
.breadcrumbs{background:var(--gray-50);padding:10px 0;margin-top:64px;border-bottom:1px solid var(--gray-200)}
.breadcrumb-nav{display:flex;align-items:center;gap:6px;flex-wrap:wrap}
.breadcrumb-link{font-size:.8rem;font-weight:500;color:var(--gray-400)}
.breadcrumb-link:hover{color:var(--primary)}
.breadcrumb-sep{color:var(--gray-300);flex-shrink:0}
.breadcrumb-current{font-size:.8rem;font-weight:600;color:var(--gray-700)}

/* ===================== HERO ===================== */
.hero{padding:100px 0 56px;background:linear-gradient(180deg,#ffffff 0%,#eff6ff 50%,#dbeafe 100%);min-height:92vh;display:flex;align-items:center}
.hero-grid{display:grid;grid-template-columns:1fr 440px;gap:48px;align-items:center}
.hero-badge{display:inline-flex;align-items:center;gap:6px;padding:6px 16px;background:var(--accent-bg);color:var(--accent);font-size:.8rem;font-weight:700;border-radius:var(--rounded-full);margin-bottom:20px;border:1px solid var(--accent-50)}
.hero h1{font-size:2.5rem;font-weight:800;line-height:1.18;color:var(--gray-900);margin-bottom:16px;letter-spacing:-.02em}
.hero-desc{font-size:1.02rem;color:var(--gray-500);margin-bottom:24px;line-height:1.75;max-width:500px}
.hero-desc strong{color:var(--gray-900)}
.hero-features{display:flex;flex-wrap:wrap;gap:10px}
.hero-feature{display:flex;align-items:center;gap:6px;font-size:.84rem;font-weight:600;color:var(--green);background:var(--green-bg);padding:6px 14px;border-radius:var(--rounded-full);border:1px solid var(--green-50)}
.hero-tags{display:flex;flex-wrap:wrap;gap:10px}
.hero-tag{padding:8px 18px;border-radius:var(--rounded-full);font-size:.88rem;font-weight:700;display:inline-block}
.tag-green{background:#dcfce7;color:#15803d;border:1px solid #86efac}
.tag-blue{background:#dbeafe;color:#1d4ed8;border:1px solid #93c5fd}
.tag-orange{background:#ffedd5;color:#c2410c;border:1px solid #fdba74}
.hero-stats-inline{display:flex;gap:28px;margin-top:28px;padding-top:24px;border-top:1px solid var(--gray-300)}
.hero-stat{text-align:center}
.hero-stat strong{display:block;font-size:1.2rem;font-weight:800;color:var(--primary)}
.hero-stat span{font-size:.73rem;color:var(--gray-400);font-weight:600;text-transform:uppercase;letter-spacing:.3px}

/* ===================== CALCULATOR ===================== */
.calculator-card{background:var(--white);border-radius:var(--rounded-xl);box-shadow:var(--shadow-xl);border:1px solid var(--gray-200)}
.calculator-header{padding:20px 24px;border-bottom:1px solid var(--gray-100);background:var(--gray-50);border-radius:var(--rounded-xl) var(--rounded-xl) 0 0}
.calculator-header h2{font-size:1.15rem;font-weight:800;color:var(--gray-900);margin-bottom:2px}
.calculator-header p{font-size:.84rem;color:var(--gray-400)}
.calculator-body{padding:24px}
.slider-group{margin-bottom:24px}
.slider-label{display:flex;justify-content:space-between;align-items:center;margin-bottom:10px;font-weight:600;font-size:.9rem;color:var(--gray-700)}
.slider-value{color:var(--primary);font-size:1.1rem;font-weight:800}
.slider{-webkit-appearance:none;width:100%;height:6px;border-radius:3px;background:linear-gradient(to right,var(--primary) var(--progress,18%),var(--gray-200) var(--progress,18%));outline:none;cursor:pointer}
.slider::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:var(--primary);border:3px solid var(--white);box-shadow:0 0 0 1px var(--primary),var(--shadow-md);cursor:pointer;transition:.15s}
.slider::-webkit-slider-thumb:hover{transform:scale(1.15)}
.slider::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--primary);border:3px solid var(--white);box-shadow:0 0 0 1px var(--primary),var(--shadow-md);cursor:pointer}
.slider-range{display:flex;justify-content:space-between;font-size:.73rem;color:var(--gray-400);margin-top:6px}
.calc-summary{background:var(--gray-50);border:1px solid var(--gray-200);border-radius:var(--rounded);padding:16px 20px;margin-bottom:20px}
.calc-row{display:flex;justify-content:space-between;padding:7px 0;font-size:.87rem;color:var(--gray-500)}
.calc-row:not(:last-child){border-bottom:1px solid var(--gray-100)}
.calc-highlight{color:var(--primary);font-weight:700}
.calc-total{font-weight:700;color:var(--gray-900);font-size:.93rem}
.calc-total span:last-child{color:var(--accent)}
.calc-note{text-align:center;font-size:.77rem;color:var(--gray-400);margin-top:12px}
.calc-promo{background:var(--green-bg);border:1px solid var(--green-50);border-radius:8px;padding:10px 14px;margin-bottom:12px;text-align:center;font-size:.84rem;font-weight:600;color:var(--green)}

/* ===================== STATS TRUST STRIP ===================== */
.stats-strip{background:var(--gray-900);padding:14px 0}
.strip-inner{display:flex;justify-content:center;gap:32px;flex-wrap:wrap}
.strip-item{display:flex;align-items:center;gap:6px;font-size:.85rem;font-weight:600;color:var(--white)}
.strip-icon{color:#34d399;font-weight:800;font-size:.9rem}

/* Legacy stats bar (other pages) */
.stats{background:var(--primary);padding:40px 0}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;text-align:center}
.stat-number{font-size:1.7rem;font-weight:800;color:var(--white)}
.stat-label{font-size:.84rem;color:rgba(255,255,255,.7);font-weight:500;margin-top:2px}

/* ===================== SECTIONS ===================== */
.section{padding:72px 0}
.section-header{text-align:center;margin-bottom:40px}
.section-header h2{font-size:1.75rem;font-weight:800;color:var(--gray-900);margin-bottom:8px}
.section-header p{font-size:.95rem;color:var(--gray-500);max-width:540px;margin:0 auto;line-height:1.7}

/* How It Works */
.how-it-works{background:var(--gray-50)}
.steps-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.step-card{background:var(--white);border-radius:var(--rounded-lg);padding:32px 20px 24px;text-align:center;border:1px solid var(--gray-200);transition:.2s ease;position:relative}
.step-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-3px);border-color:var(--gray-300)}
.step-number{position:static;width:28px;height:28px;background:var(--primary);color:var(--white);font-weight:800;font-size:.78rem;border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 8px}
.step-icon{margin:8px 0 14px;font-size:1.7rem}
.step-card h3{font-size:.95rem;font-weight:700;margin-bottom:6px;color:var(--gray-800)}
.step-card p{font-size:.84rem;color:var(--gray-500);line-height:1.55}

/* ===================== OFFER CARDS (Homepage) ===================== */
.offers-preview-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.offer-preview-card{background:var(--white);border-radius:var(--rounded-lg);padding:24px;border:1px solid var(--gray-200);transition:.2s ease;position:relative;overflow:visible}
.offer-preview-card:hover{box-shadow:var(--shadow-lg);border-color:var(--gray-300)}
.offer-preview-card.recommended{border:2px solid var(--accent);background:linear-gradient(180deg,var(--accent-bg),var(--white) 50%)}
.offer-badge{position:absolute;top:-11px;left:50%;transform:translateX(-50%);background:var(--accent);color:var(--white);font-size:.7rem;font-weight:700;padding:4px 14px;border-radius:var(--rounded-full);white-space:nowrap;box-shadow:0 2px 8px rgba(234,88,12,.25)}
.offer-preview-header{display:flex;align-items:center;gap:14px;margin-bottom:16px;padding-top:8px}
.offer-logo-img,.offer-card-logo-img,.lender-logo-img{border-radius:10px;object-fit:contain;background:#fff;border:1px solid var(--gray-200);padding:8px 14px;width:180px;height:56px}
.offer-logo-placeholder{width:180px;height:56px;border-radius:10px;display:inline-flex;align-items:center;justify-content:center;font-weight:800;font-size:1rem;color:var(--white)}
.offer-preview-header h3{font-size:1.05rem;font-weight:700;color:var(--gray-900);margin-bottom:2px}
.offer-verified{font-size:.88rem;color:var(--green);font-weight:700;display:inline-flex;align-items:center;gap:4px}
.offer-stats-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1px;margin-bottom:14px;background:var(--gray-200);border-radius:var(--rounded);overflow:hidden;border:1px solid var(--gray-200)}
.offer-stats-grid>div{background:var(--gray-50);padding:10px 12px}
.offer-stats-grid .stat-title{display:block;font-size:.65rem;color:var(--gray-400);font-weight:600;text-transform:uppercase;letter-spacing:.4px;margin-bottom:2px}
.offer-stats-grid .stat-val{display:block;font-size:.83rem;font-weight:700;color:var(--gray-800)}
.offer-stats-grid .stat-val.highlight{color:var(--accent)}
.offer-features{margin-bottom:14px;padding:0}
.offer-features li{font-size:.82rem;padding:3px 0;color:var(--gray-500)}
.offers-cta{text-align:center;margin-top:32px}

/* ===================== TRUST ===================== */
.trust-grid{display:grid;grid-template-columns:1.2fr 1fr;gap:40px;align-items:start}
.trust-content h2{font-size:1.75rem;font-weight:800;color:var(--gray-900);margin-bottom:12px}
.trust-content>p{color:var(--gray-500);margin-bottom:28px;line-height:1.7}
.trust-features{display:flex;flex-direction:column;gap:20px}
.trust-feature{display:flex;gap:14px;align-items:flex-start}
.trust-icon{font-size:1.3rem;flex-shrink:0;width:44px;height:44px;display:flex;align-items:center;justify-content:center;background:var(--primary-bg);border-radius:var(--rounded);border:1px solid var(--primary-50)}
.trust-feature h4{font-size:.93rem;font-weight:700;color:var(--gray-800);margin-bottom:2px}
.trust-feature p{font-size:.85rem;color:var(--gray-500);line-height:1.55}
.eligibility-card{background:var(--white);border-radius:var(--rounded-lg);padding:28px;border:1px solid var(--gray-200)}
.eligibility-card h3{font-size:1.1rem;font-weight:800;margin-bottom:20px;text-align:center;color:var(--gray-900)}
.eligibility-card ul{margin-bottom:24px}
.eligibility-card li{display:flex;align-items:center;gap:10px;padding:10px 0;font-weight:500;font-size:.9rem;border-bottom:1px solid var(--gray-100);color:var(--gray-600)}
.eligibility-card li:last-child{border-bottom:none}

/* ===================== REVIEWS ===================== */
.reviews-section{background:var(--gray-50)}
.reviews-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.review-card{background:var(--white);border-radius:var(--rounded-lg);padding:24px;border:1px solid var(--gray-200)}
.review-stars{margin-bottom:10px;font-size:.88rem;color:var(--yellow)}
.review-card>p{font-size:.9rem;color:var(--gray-500);line-height:1.65;margin-bottom:16px;font-style:italic}
.review-author{display:flex;align-items:center;gap:10px}
.review-avatar{width:36px;height:36px;border-radius:50%;background:var(--primary);color:var(--white);display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.78rem}
.review-author strong{display:block;font-size:.85rem;color:var(--gray-800)}
.review-author span{font-size:.75rem;color:var(--gray-400)}

/* ===================== FAQ ===================== */
.faq-list{max-width:720px;margin:0 auto}
.faq-item{border:1px solid var(--gray-200);border-radius:var(--rounded);margin-bottom:8px;background:var(--white);transition:.15s ease}
.faq-item:hover{border-color:var(--gray-300)}
.faq-item.active{border-color:var(--primary);box-shadow:var(--ring-primary)}
.faq-question{display:flex;justify-content:space-between;align-items:center;width:100%;padding:16px 20px;background:none;border:none;cursor:pointer;font-family:var(--font);font-size:.92rem;font-weight:600;color:var(--gray-800);text-align:left;transition:.15s ease}
.faq-question:hover{background:var(--gray-50)}
.faq-item.active .faq-question{color:var(--primary);background:var(--primary-bg)}
.faq-arrow{flex-shrink:0;transition:.2s ease;color:var(--gray-400)}
.faq-item.active .faq-arrow{transform:rotate(180deg);color:var(--primary)}
.faq-answer{max-height:0;overflow:hidden;transition:max-height .3s ease}
.faq-item.active .faq-answer{max-height:500px}
.faq-answer p{padding:0 20px 16px;font-size:.88rem;color:var(--gray-500);line-height:1.7}

/* ===================== CTA SECTION ===================== */
.cta-section{background:var(--gray-900);padding:64px 0;text-align:center}
.cta-section h2{font-size:1.75rem;font-weight:800;color:var(--white);margin-bottom:10px}
.cta-section p{color:var(--gray-400);font-size:.95rem;margin-bottom:28px}

/* ===================== FOOTER ===================== */
.footer{background:var(--gray-900);padding:48px 0 24px;color:var(--gray-400);border-top:3px solid var(--primary)}
.footer-grid{display:grid;grid-template-columns:2fr repeat(5,1fr);gap:28px;margin-bottom:32px}
.footer-brand p{margin-top:12px;font-size:.84rem;line-height:1.65}
.footer-trust-badges{display:flex;gap:8px;flex-wrap:wrap;margin-top:12px}
.trust-badge{font-size:.72rem;padding:4px 10px;background:rgba(255,255,255,.06);border-radius:var(--rounded-full);color:var(--gray-500);font-weight:500;border:1px solid rgba(255,255,255,.08)}
.footer-links h4{color:var(--white);font-weight:700;font-size:.87rem;margin-bottom:12px}
.footer-links a{display:block;color:var(--gray-400);font-size:.82rem;padding:3px 0;transition:.15s}
.footer-links a:hover{color:var(--white)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.06);padding-top:20px;text-align:center;font-size:.78rem}
.footer-disclaimer{margin-top:8px;font-size:.72rem;color:var(--gray-500);max-width:680px;margin-left:auto;margin-right:auto;line-height:1.55}

/* ===================== MODAL ===================== */
.modal-overlay{position:fixed;inset:0;background:rgba(0,0,0,.5);backdrop-filter:blur(4px);-webkit-backdrop-filter:blur(4px);z-index:2000;display:flex;align-items:center;justify-content:center;padding:16px;opacity:0;visibility:hidden;transition:.25s ease}
.modal-overlay.active{opacity:1;visibility:visible}
.modal{background:var(--white);border-radius:var(--rounded-xl);width:100%;max-width:560px;max-height:90vh;overflow-y:auto;transform:translateY(16px);transition:.25s ease;position:relative}
.modal-overlay.active .modal{transform:translateY(0)}
.modal-offers{max-width:880px}
.modal-close{position:absolute;top:14px;right:16px;width:32px;height:32px;border:none;background:var(--gray-100);border-radius:50%;font-size:1.1rem;color:var(--gray-500);cursor:pointer;display:flex;align-items:center;justify-content:center;transition:.15s;z-index:1}
.modal-close:hover{background:var(--gray-200);color:var(--gray-800)}
.modal-header{padding:24px 24px 16px;border-bottom:1px solid var(--gray-100)}
.modal-header h2{font-size:1.25rem;font-weight:800;color:var(--gray-900)}
.modal-header p{font-size:.85rem;color:var(--gray-400);margin-top:2px}

/* ===================== LOADING ===================== */
.loading-overlay{position:fixed;inset:0;background:rgba(255,255,255,.97);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);z-index:2002;display:flex;align-items:center;justify-content:center;opacity:0;visibility:hidden;transition:.25s}
.loading-overlay.active{opacity:1;visibility:visible}
.loading-content{text-align:center;padding:32px}
.loading-ring{position:relative;width:100px;height:100px;margin:0 auto 24px}
.loading-ring-svg{width:100%;height:100%;transform:rotate(-90deg)}
.loading-ring-progress{transition:stroke-dashoffset 1s linear}
.loading-ring-number{position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);font-size:2.2rem;font-weight:800;color:var(--primary)}
.loading-message{font-size:.95rem;font-weight:600;color:var(--gray-700);margin-bottom:24px}
.loading-steps{max-width:260px;margin:0 auto;text-align:left}
.loading-step{display:flex;align-items:center;gap:10px;padding:7px 0;font-size:.84rem;color:var(--gray-400);transition:.2s}
.loading-step.active{color:var(--primary);font-weight:600}
.loading-step.completed{color:var(--green);font-weight:600}
.step-check{width:22px;height:22px;border-radius:50%;background:var(--gray-200);display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:.2s}
.loading-step.active .step-check{background:var(--primary);color:var(--white)}
.loading-step.completed .step-check{background:var(--green);color:var(--white)}

/* ===================== OFFER CARDS (Modal) ===================== */
.offers-social-proof{color:var(--accent)!important;font-weight:700!important;font-size:.85rem!important}
.offers-list{padding:20px 24px 24px}
.offers-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.steps-3{grid-template-columns:repeat(3,1fr)}
.offer-card{border:1px solid var(--gray-200);border-radius:var(--rounded-lg);padding:20px;transition:.2s;position:relative;background:var(--white);overflow:visible}
.offer-card:hover{box-shadow:var(--shadow-md);border-color:var(--gray-300)}
.offer-card.recommended-offer{border:2px solid var(--accent);background:linear-gradient(180deg,var(--accent-bg),var(--white) 40%)}
.offer-card-badge{position:absolute;top:-10px;right:16px;background:var(--accent);color:var(--white);font-size:.68rem;font-weight:700;padding:3px 12px;border-radius:var(--rounded-full)}
.offer-card-header{display:flex;align-items:center;gap:12px;margin-bottom:14px}
.offer-card-logo{width:180px;height:56px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:1rem;color:var(--white)}
.offer-card-header h3{font-size:1rem;font-weight:700;color:var(--gray-900);margin-bottom:2px}
.offer-card .offer-verified{font-size:.7rem}
.offer-card-stats{display:grid;grid-template-columns:repeat(2,1fr);gap:1px;background:var(--gray-200);border-radius:var(--rounded);overflow:hidden;margin-bottom:12px;border:1px solid var(--gray-200)}
.offer-card-stats>div{background:var(--gray-50);padding:8px 10px}
.offer-card-stats .stat-title{display:block;font-size:.62rem;color:var(--gray-400);font-weight:600;text-transform:uppercase;letter-spacing:.3px;margin-bottom:1px}
.offer-card-stats .stat-val{display:block;font-weight:700;color:var(--gray-800);font-size:.8rem}
.offer-card-stats .stat-val.highlight{color:var(--accent)}
.offer-card-features{margin-bottom:12px;padding:0}
.offer-card-features li{font-size:.8rem;padding:2px 0;color:var(--gray-500)}
.offer-card .btn{padding:10px 20px;font-size:.85rem}
.offer-rate-note{background:var(--red-bg);border-left:3px solid var(--red);border-radius:0 8px 8px 0;padding:8px 12px;margin-bottom:12px;font-size:.78rem;color:var(--red);font-weight:600}

/* ===================== STICKY BAR ===================== */
.sticky-bar{position:fixed;bottom:0;left:0;right:0;background:var(--white);border-top:1px solid var(--gray-200);box-shadow:0 -2px 10px rgba(0,0,0,.05);z-index:999;padding:10px 0;transform:translateY(100%);transition:.3s}
.sticky-bar.visible{transform:translateY(0)}
.sticky-bar-inner{display:flex;align-items:center;justify-content:space-between}
.sticky-info{display:flex;align-items:center;gap:10px}
.sticky-amount{font-size:1.1rem;font-weight:800;color:var(--primary)}
.sticky-term{font-size:.85rem;color:var(--gray-400)}

/* ===================== SILO GRID ===================== */
.silo-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.silo-card{display:block;background:var(--white);border:1px solid var(--gray-200);border-radius:var(--rounded-lg);padding:28px 20px;text-align:center;transition:.2s}
.silo-card:hover{box-shadow:var(--shadow-lg);border-color:var(--gray-300);transform:translateY(-3px)}
.silo-icon{font-size:1.7rem;margin-bottom:10px}
.silo-card h3{font-size:.92rem;font-weight:700;color:var(--gray-800);margin-bottom:6px}
.silo-card p{font-size:.8rem;color:var(--gray-500);line-height:1.55}

/* ============================================
   CONTENT PAGES
   ============================================ */

.content-page{padding:24px 0 48px}
.content-layout{display:grid;grid-template-columns:220px minmax(0,1fr);gap:40px;align-items:start;position:relative}
.content-sidebar{position:sticky;top:80px;max-height:calc(100vh - 100px);overflow-y:auto;align-self:start}

/* TOC */
.toc{background:var(--white);border-radius:var(--rounded);padding:18px;border:1px solid var(--gray-200);overflow:hidden}
.toc-title{font-size:.85rem;font-weight:700;margin-bottom:12px;padding-bottom:10px;border-bottom:1px solid var(--gray-100);color:var(--gray-800)}
.toc-list{list-style:none!important;padding:0!important;margin:0}
.toc-list li{margin-bottom:1px;list-style:none!important}
.toc-list li a{display:block;font-size:.78rem;font-weight:500;color:var(--gray-500);padding:6px 10px;border-radius:6px;line-height:1.4;transition:.15s}
.toc-list li a:hover{color:var(--primary);background:var(--primary-bg)}
.toc-list li.toc-sub{padding-left:10px}
.toc-list li.toc-sub a{font-size:.74rem}

/* Content Body */
.content-body{min-width:0;overflow-wrap:break-word;word-wrap:break-word}
.content-body h1{font-size:2rem;font-weight:800;line-height:1.25;margin-bottom:12px;color:var(--gray-900);letter-spacing:-.01em}
.content-body h2{font-size:1.35rem;font-weight:800;margin-top:20px;margin-bottom:10px;padding-top:16px;padding-bottom:6px;border-top:1px solid var(--gray-200);color:var(--gray-900);position:relative}
.content-body h2::after{content:'';position:absolute;bottom:0;left:0;width:40px;height:3px;background:var(--primary);border-radius:2px}
.content-body h2:first-of-type{border-top:none;padding-top:0}
.content-body h3{font-size:1.08rem;font-weight:700;margin-top:14px;margin-bottom:6px;color:var(--primary-dark)}
.content-body p{margin-bottom:10px;line-height:1.7;color:var(--gray-600);font-size:.95rem}
.content-body ul,.content-body ol{margin-bottom:12px;padding-left:22px;list-style:revert}
.content-body ol.numbered-steps,.content-body .numbered-steps{list-style:none!important;padding-left:0!important;margin-left:0!important}
.content-body .numbered-steps li{list-style:none!important}
.content-body .checklist-box ul,.content-body .warning-box ul,.content-body .pros ul,.content-body .cons ul{list-style:none!important;padding-left:0!important}
.toc-list,.toc-list li{list-style:none!important}
.content-body ol.numbered-steps,.content-body .numbered-steps{list-style:none!important;padding-left:0!important}
.content-body li{margin-bottom:6px;line-height:1.7;color:var(--gray-600);font-size:.93rem}
.content-body a{color:var(--primary);font-weight:600}
.content-body a:hover{text-decoration:underline}
.content-body a.btn,.content-body a.btn:hover{color:var(--white)!important;text-decoration:none!important}
.content-body strong{color:var(--gray-800);display:inline}
.content-body p strong,.content-body li strong{display:inline}

/* Content Meta */
.content-meta{display:flex;gap:6px;flex-wrap:wrap;margin-bottom:10px;font-size:.77rem;color:var(--gray-400);font-weight:500;position:relative;z-index:1}
.content-meta span{background:var(--gray-50);padding:3px 10px;border-radius:var(--rounded-full);border:1px solid var(--gray-100)}

/* Content Summary (GEO answer-first) */
.content-summary{background:linear-gradient(135deg,#eff6ff,#f0f9ff);border-left:4px solid var(--primary);border-radius:0 var(--rounded) var(--rounded) 0;padding:18px 22px;margin-bottom:20px;box-shadow:var(--shadow-sm)}
.content-summary p{color:var(--gray-800);font-size:.97rem;line-height:1.85;margin-bottom:0}

/* Key Stats */
.key-stats-block{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin-bottom:20px}
.key-stat{background:var(--white);border-radius:var(--rounded);padding:16px 14px;text-align:center;border:1px solid var(--gray-200);transition:.2s}
.key-stat:hover{box-shadow:var(--shadow-md);transform:translateY(-2px)}
.key-stat-num{display:block;font-size:1.3rem;font-weight:800;color:var(--primary);margin-bottom:4px;background:linear-gradient(135deg,var(--primary),var(--purple));-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}
.key-stat span:last-child{font-size:.7rem;font-weight:600;color:var(--gray-400);text-transform:uppercase;letter-spacing:.3px}

/* Tables */
.table-responsive{overflow-x:auto;margin-bottom:24px;border-radius:var(--rounded);border:1px solid var(--gray-200);box-shadow:var(--shadow-sm);max-width:100%}
.comparison-table{width:100%;border-collapse:collapse;font-size:.85rem}
.comparison-table thead{background:var(--gray-800);color:var(--white)}
.comparison-table th{padding:12px 16px;font-weight:700;text-align:left;white-space:nowrap;font-size:.77rem;text-transform:uppercase;letter-spacing:.4px}
.comparison-table th:first-child,.comparison-table td:first-child{min-width:200px}
.comparison-table th img,.comparison-table td img{width:100%;max-width:180px;height:auto;min-height:36px;object-fit:contain;display:block;background:#fff;border:1px solid rgba(255,255,255,.2);border-radius:8px;padding:8px 14px}
.comparison-table thead th img{border-color:rgba(255,255,255,.25)}
.comparison-table td{padding:12px 16px;border-bottom:1px solid var(--gray-100);color:var(--gray-600)}
/* SR-only: visually hidden but accessible for SEO */
.sr-only{position:absolute!important;width:1px!important;height:1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important;padding:0!important;margin:-1px!important}
.comparison-table td strong{color:var(--gray-800)}
.comparison-table td a{font-weight:600}
.comparison-table tbody tr:nth-child(even){background:var(--gray-50)}
.comparison-table tbody tr:hover{background:var(--primary-bg)}
.comparison-table .row-highlight{background:var(--accent-bg)!important}
.comparison-table .row-highlight:hover{background:var(--accent-50)!important}

/* Lender Detail Card */
.lender-detail-card{background:var(--white);border:1px solid var(--gray-200);border-radius:var(--rounded-lg);padding:18px;margin-bottom:14px;transition:.2s;position:relative;overflow:hidden;max-width:100%}
.lender-detail-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:var(--primary)}
.lender-detail-card:hover{box-shadow:var(--shadow-lg)}
.lender-header{display:flex;align-items:center;gap:14px;margin-bottom:12px;padding-bottom:12px;border-bottom:1px solid var(--gray-100)}
.lender-logo{width:180px;height:56px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:1rem}
.lender-rating{font-size:.82rem;color:var(--yellow);font-weight:600;margin-top:2px}
.lender-specs{margin-bottom:12px}
.spec{display:flex;justify-content:space-between;align-items:center;padding:7px 0;border-bottom:1px solid var(--gray-100);font-size:.88rem;gap:12px}
.spec:last-child{border-bottom:none}
.spec-label{font-weight:600;color:var(--gray-500);font-size:.83rem;white-space:nowrap}
.spec-value{font-weight:700;color:var(--gray-800);text-align:right}
.spec-value.highlight{color:var(--accent);font-weight:800}

/* Pros & Cons */
.pros-cons{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:18px}
.pros,.cons{border-radius:var(--rounded);padding:20px;position:relative;overflow:hidden}
.pros{background:linear-gradient(180deg,#f0fdf4,var(--white));border:1px solid var(--green-50)}
.cons{background:linear-gradient(180deg,#fef2f2,var(--white));border:1px solid #fecaca}
.pros::before,.cons::before{content:'';position:absolute;top:0;left:0;right:0;height:3px}
.pros::before{background:var(--green)}
.cons::before{background:var(--red)}
.pros h4,.cons h4{font-size:.9rem;margin-bottom:8px;font-weight:700}
.pros ul,.cons ul{padding:0 0 0 16px;margin:0;list-style:disc}
.pros li,.cons li{font-size:.85rem;padding:3px 0;color:var(--gray-600);line-height:1.55}

/* Warning & Checklist */
.warning-box{background:#fefce8;border:1px solid #fde68a;border-left:4px solid var(--yellow);border-radius:0 var(--rounded) var(--rounded) 0;padding:14px 18px;margin-bottom:16px}
.warning-box h4{font-size:.9rem;margin-bottom:8px;color:var(--gray-800);font-weight:700}
.warning-box ul{margin:0;padding-left:18px;list-style:disc}
.warning-box li{font-size:.85rem;margin-bottom:4px;color:var(--gray-600);line-height:1.6}
.warning-box li strong{color:var(--gray-800)}
.checklist-box{background:#f0fdf4;border:1px solid #bbf7d0;border-radius:var(--rounded);padding:14px 18px;margin-bottom:16px}
.checklist-box ul{padding:0;margin:0;list-style:none}
.checklist-box li{padding:4px 0;font-size:.9rem;line-height:1.5;color:var(--gray-600)}
.checklist-box li:last-child{border-bottom:none}
.checklist-box li strong{color:var(--gray-800)}
.checklist-box li::before{content:'✓ ';color:var(--green);font-weight:800}
.check-green{display:none}
.check-icon{color:var(--green);font-weight:700}

/* Numbered Steps */
.numbered-steps{padding:0!important;margin:0 0 18px 0!important;list-style:none!important}
.numbered-steps li{display:block;padding:0 0 14px 0;margin-bottom:14px;border-bottom:1px solid var(--gray-100);list-style:none!important}
.numbered-steps .step{display:flex;gap:12px;align-items:flex-start;padding:0 0 14px 0;margin-bottom:14px;border-bottom:1px solid var(--gray-100);list-style:none!important}
.numbered-steps li:last-child,.numbered-steps .step:last-child{border-bottom:none;margin-bottom:0;padding-bottom:0}
.numbered-steps li::marker{content:''!important;display:none!important}
.numbered-steps li::before{content:none!important;display:none!important}
.numbered-steps .step-number{flex-shrink:0;width:36px;height:36px;background:var(--primary);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:.88rem;margin-top:2px}
.numbered-steps .step-content{flex:1;min-width:0}
.numbered-steps .step-content h4{font-size:.95rem;font-weight:700;color:var(--gray-900);margin-bottom:6px}
.numbered-steps .step-content p{margin-bottom:0;font-size:.9rem;color:var(--gray-500);line-height:1.7}
.numbered-steps li>strong{display:block;color:var(--gray-900);font-size:.95rem;font-weight:700;margin-bottom:4px}
.numbered-steps li>p{display:block;margin:0}
.numbered-steps li>p strong{display:inline}
.numbered-steps .step-content h4{display:block;color:var(--gray-900);margin-bottom:6px;font-size:.95rem;font-weight:700}
.numbered-steps li p,.numbered-steps .step-content p{margin-bottom:0;font-size:.9rem;color:var(--gray-500);line-height:1.75}
.numbered-steps li p strong{display:inline;color:var(--gray-800);font-size:inherit}

/* Recommendation Grid */
.recommendation-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin-bottom:16px}
.rec-card{background:var(--gray-50);border-radius:var(--rounded);padding:18px;border:1px solid var(--gray-200);transition:.2s}
.rec-card:hover{box-shadow:var(--shadow-sm);border-color:var(--gray-300)}
.rec-card h4{font-size:.92rem;margin-bottom:6px;font-weight:700}
.rec-card p{font-size:.85rem;margin-bottom:0;line-height:1.55}

/* Content CTA Box */
.content-cta-box{background:var(--gray-900);border-radius:var(--rounded-xl);padding:28px 24px;text-align:center;margin:24px 0;position:relative;overflow:hidden}
.content-cta-box::before{content:'';position:absolute;top:-40%;right:-15%;width:250px;height:250px;background:radial-gradient(circle,rgba(26,86,219,.15),transparent 70%);border-radius:50%;pointer-events:none}
.content-cta-box h3{color:var(--white);font-size:1.25rem;font-weight:800;margin-bottom:10px;position:relative}
.content-cta-box p{color:var(--gray-400);margin-bottom:24px;font-size:.92rem;position:relative}
.content-cta-box .btn{position:relative}

/* Related Articles */
.related-articles{margin-top:24px;padding-top:18px;border-top:1px solid var(--gray-200)}
.related-articles h3{font-size:1.05rem;font-weight:700;margin-bottom:14px;color:var(--gray-800)}
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.related-card{display:block;background:var(--white);border-radius:var(--rounded);padding:18px;border:1px solid var(--gray-200);transition:.2s}
.related-card:hover{box-shadow:var(--shadow-md);border-color:var(--gray-300);transform:translateY(-2px)}
.related-tag{display:inline-block;font-size:.67rem;font-weight:700;color:var(--primary);background:var(--primary-bg);padding:2px 8px;border-radius:var(--rounded-full);margin-bottom:8px;text-transform:uppercase;letter-spacing:.3px}
.related-card h4{font-size:.85rem;font-weight:700;color:var(--gray-800);line-height:1.4}

/* Formula Box */
.formula-box{background:var(--gray-900);border-radius:var(--rounded);padding:18px 20px;margin-bottom:20px}
.formula-box code{color:#67e8f9;font-size:.93rem;font-weight:600}

/* ===================== TOOL PAGES ===================== */
.tool-hero{padding-top:32px}
.tool-layout{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:start}
.tool-card,.tool-result-card{background:var(--white);border-radius:var(--rounded-lg);border:1px solid var(--gray-200)}
.tool-card-header{padding:16px 20px;border-bottom:1px solid var(--gray-100);background:var(--gray-50);border-radius:var(--rounded-lg) var(--rounded-lg) 0 0}
.tool-card-header h2{font-size:1.05rem;font-weight:800;margin:0;color:var(--gray-900)}
.tool-card-body{padding:20px}
.tool-result-card{padding:24px}
.tool-result-card h3{font-size:1.05rem;font-weight:800;margin-bottom:16px;text-align:center;color:var(--gray-900)}
.result-grid{display:grid}
.result-item{display:flex;justify-content:space-between;padding:8px 0;border-bottom:1px solid var(--gray-100);font-size:.88rem}
.result-item:last-child{border-bottom:none}
.result-label{color:var(--gray-500);font-weight:500}
.result-value{font-weight:700;color:var(--gray-800)}
.result-highlight{background:var(--gray-50);margin:2px -12px;padding:10px 12px!important;border-radius:8px;border-bottom:none!important}
.form-input{width:100%;padding:10px 14px;border:1px solid var(--gray-300);border-radius:8px;font-family:var(--font);font-size:.9rem;transition:.15s}
.form-input:focus{outline:none;border-color:var(--primary);box-shadow:var(--ring-primary)}
.rate-presets{display:flex;align-items:center;gap:6px;flex-wrap:wrap;margin-top:12px}
.rate-label{font-size:.78rem;font-weight:600;color:var(--gray-400)}
.rate-btn{padding:5px 12px;border:1px solid var(--gray-300);border-radius:var(--rounded-full);background:var(--white);font-family:var(--font);font-size:.75rem;font-weight:600;color:var(--gray-600);cursor:pointer;transition:.15s}
.rate-btn:hover,.rate-btn.active{background:var(--primary);color:var(--white);border-color:var(--primary)}

/* Comparison Tool */
.filter-bar{display:flex;gap:12px;flex-wrap:wrap;background:var(--white);border:1px solid var(--gray-200);border-radius:var(--rounded-lg);padding:16px 20px;margin-bottom:20px}
.filter-group{display:flex;align-items:center;gap:6px}
.filter-group label{font-size:.82rem;font-weight:600;color:var(--gray-500);white-space:nowrap}
.filter-group select{padding:7px 12px;border:1px solid var(--gray-300);border-radius:8px;font-family:var(--font);font-size:.82rem;font-weight:500;cursor:pointer;background:var(--white)}
.filter-group select:focus{outline:none;border-color:var(--primary)}
.compare-card{background:var(--white);border:1px solid var(--gray-200);border-radius:var(--rounded-lg);padding:20px;margin-bottom:12px;transition:.2s}
.compare-card:hover{box-shadow:var(--shadow-md);border-color:var(--gray-300)}
.compare-card.recommended-offer{border:2px solid var(--accent);background:var(--accent-bg)}
.compare-card-left{display:flex;align-items:center;gap:14px;margin-bottom:12px}
.compare-card-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--gray-200);border-radius:var(--rounded);overflow:hidden;margin-bottom:10px;border:1px solid var(--gray-200)}
.compare-card-stats>div{background:var(--gray-50);padding:8px 10px}
.compare-card-features{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:12px}
.feature-tag{font-size:.72rem;font-weight:500;color:var(--gray-500);background:var(--gray-50);padding:3px 8px;border-radius:var(--rounded-full);border:1px solid var(--gray-200)}
.no-results{text-align:center;padding:48px 16px;color:var(--gray-400)}

/* Form elements */
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:16px}
.form-group.full-width{grid-column:1/-1}
.form-group label{display:block;font-size:.82rem;font-weight:600;color:var(--gray-700);margin-bottom:4px}
.required{color:var(--red)}
.form-group input,.form-group select{width:100%;padding:10px 14px;border:1px solid var(--gray-300);border-radius:8px;font-family:var(--font);font-size:.9rem;transition:.15s;background:var(--white)}
.form-group input:focus,.form-group select:focus{outline:none;border-color:var(--primary);box-shadow:var(--ring-primary)}
.form-group input::placeholder{color:var(--gray-400)}
.form-checkbox{display:flex;gap:8px;align-items:flex-start;margin-bottom:20px;font-size:.82rem;color:var(--gray-500)}
.form-checkbox input[type="checkbox"]{margin-top:2px;width:16px;height:16px;accent-color:var(--primary);flex-shrink:0}
.form-checkbox a{color:var(--primary);font-weight:600}
.application-form{padding:24px}

/* ============================================
   RESPONSIVE
   ============================================ */

/* === Tablet === */
@media(max-width:1024px){
    .hero-grid{grid-template-columns:1fr;gap:32px}
    .hero{padding:84px 0 40px;min-height:auto}
    .hero h1{font-size:2rem}
    .steps-grid{grid-template-columns:repeat(2,1fr)}
    .offers-preview-grid{grid-template-columns:1fr;max-width:500px;margin:0 auto}
    .trust-grid{grid-template-columns:1fr}
    .reviews-grid{grid-template-columns:1fr;max-width:500px;margin:0 auto}
    .footer-grid{grid-template-columns:repeat(3,1fr);gap:24px}
    .footer-grid>:first-child{grid-column:1/-1}
    .stats-grid{grid-template-columns:repeat(2,1fr)}
    .stats-cards{grid-template-columns:repeat(2,1fr)}
    .strip-inner{gap:16px}
    .silo-grid{grid-template-columns:repeat(2,1fr)}
    .content-layout{grid-template-columns:1fr}
    .content-sidebar{position:static;order:-1}
    .key-stats-block{grid-template-columns:repeat(2,1fr)}
    .recommendation-grid{grid-template-columns:1fr}
    .related-grid{grid-template-columns:repeat(2,1fr)}
    .tool-layout{grid-template-columns:1fr}
    .compare-card-stats,.offer-stats-grid,.offer-card-stats{grid-template-columns:repeat(2,1fr)}
}

/* === Mobile === */
@media(max-width:768px){
    /* Mobile menu - slide from right */
    .header-inner .nav{position:fixed!important;top:0;right:-100%;width:85%;max-width:320px;height:100vh;background:#fff;display:flex!important;flex-direction:column;padding:0;z-index:10000;box-shadow:-4px 0 20px rgba(0,0,0,.15);transition:right .3s ease;overflow-y:auto;gap:0}
    .header-inner .nav.active{right:0}
    .nav-cta{display:none!important}
    .hamburger{display:flex!important;z-index:10001}

    /* Mobile menu header space */
    .header-inner .nav::before{content:'Menu';display:block;padding:20px 20px 16px;font-size:1.1rem;font-weight:800;color:var(--gray-900);border-bottom:1px solid var(--gray-200)}

    /* Mobile nav items */
    .nav-item{border-bottom:1px solid var(--gray-100)}
    .nav-item .nav-link{padding:14px 20px;font-size:.95rem;font-weight:600;color:var(--gray-700);display:flex;justify-content:space-between;align-items:center;border-radius:0}
    .nav-item .nav-link:hover{background:var(--gray-50);color:var(--primary)}
    .nav-arrow{width:16px;height:16px;transition:.2s}

    /* Mobile dropdown accordion */
    .dropdown{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:none;border-radius:0;padding:0;min-width:auto;background:transparent;display:none;overflow:hidden}
    .nav-item.has-dropdown.open .dropdown{display:block}
    .nav-item.has-dropdown.open .nav-arrow{transform:rotate(180deg)}
    .dropdown-link{padding:12px 20px 12px 36px;font-size:.88rem;color:var(--gray-600);border-radius:0;border-bottom:1px solid var(--gray-100)}
    .dropdown-link:last-child{border-bottom:none}
    .dropdown-link:hover{background:var(--primary-bg);color:var(--primary)}

    /* Overlay behind menu */
    .nav-overlay{display:none;position:fixed;top:0;left:0;right:0;bottom:0;background:rgba(0,0,0,.4);z-index:9999}
    .nav-overlay.active{display:block}

    /* Hero */
    .hero{padding:76px 0 32px}
    .hero h1{font-size:1.6rem;line-height:1.25}
    .hero-badge{font-size:.75rem;padding:5px 12px}
    .hero-desc{font-size:.9rem;line-height:1.65}
    .hero-tags{gap:8px}
    .hero-tag{padding:6px 14px;font-size:.8rem}
    .hero-stats-inline{flex-wrap:wrap;gap:16px}
    .hero-stat strong{font-size:1rem}

    /* Calculator */
    .calculator-card{border-radius:var(--rounded)}
    .calculator-header{padding:16px 18px 12px}
    .calculator-header h2{font-size:1.05rem}
    .calculator-body{padding:18px}
    .slider-label{font-size:.85rem}
    .slider-value{font-size:1rem}
    .calc-summary{padding:14px 16px}
    .calc-row{font-size:.84rem}
    .calc-promo{font-size:.8rem;padding:8px 12px}
    .btn-lg{padding:12px 28px;font-size:.9rem}

    /* Stats */
    .stats{padding:28px 0}
    .stats-grid{gap:12px}
    .stat-number{font-size:1.3rem}
    .stat-label{font-size:.78rem}
    .strip-inner{gap:10px;justify-content:flex-start;overflow-x:auto;flex-wrap:nowrap;padding-bottom:4px}
    .strip-item{font-size:.78rem;white-space:nowrap;flex-shrink:0}

    /* Sections */
    .section{padding:48px 0}
    .section-header{margin-bottom:28px}
    .section-header h2{font-size:1.35rem}
    .section-header p{font-size:.88rem}

    /* Steps */
    .steps-grid,.steps-3{grid-template-columns:1fr!important;max-width:400px;margin:0 auto;gap:16px}
    .step-card{padding:24px 18px}

    /* Offers */
    .offers-preview-grid{grid-template-columns:1fr!important;gap:16px;max-width:100%}
    .offer-preview-card{padding:20px}
    .offer-stats-grid{grid-template-columns:repeat(2,1fr);gap:1px}
    .offer-badge{font-size:.68rem;padding:3px 12px}

    /* Trust */
    .trust-content h2{font-size:1.4rem}
    .trust-feature{gap:12px}
    .trust-icon{width:36px;height:36px;font-size:1.1rem}
    .eligibility-card{padding:20px}

    /* Reviews */
    .reviews-grid{gap:14px}
    .review-card{padding:20px}

    /* FAQ */
    .faq-question{padding:14px 16px;font-size:.88rem}
    .faq-answer p{padding:0 16px 14px;font-size:.85rem}

    /* CTA */
    .cta-section{padding:48px 0}
    .cta-section h2{font-size:1.35rem}
    .cta-section p{font-size:.88rem}

    /* Footer */
    .footer{padding:36px 0 20px}
    .footer-grid{grid-template-columns:1fr 1fr;gap:20px}
    .footer-grid>:first-child{grid-column:1/-1}
    .footer-links h4{font-size:.82rem;margin-bottom:8px}
    .footer-links a{font-size:.78rem}
    .footer-disclaimer{font-size:.68rem}

    /* Modal */
    .modal{max-width:100%;max-height:95vh;border-radius:16px 16px 0 0;margin-top:auto}
    .modal-header{padding:20px 18px 14px}
    .modal-header h2{font-size:1.1rem}
    .offers-list,.offers-grid{padding:12px 14px 20px;grid-template-columns:1fr!important;gap:12px}
    .offer-card{padding:16px}
    .offer-card-header{gap:10px}
    .offer-card .btn{padding:10px 16px;font-size:.82rem}

    /* Loading */
    .loading-ring{width:80px;height:80px}
    .loading-ring-number{font-size:1.8rem}
    .loading-message{font-size:.88rem}
    .loading-step{font-size:.8rem}

    /* Content pages */
    .content-page{padding:24px 0 48px}
    .content-body h1{font-size:1.4rem}
    .content-body h2{font-size:1.12rem;margin-top:32px;padding-top:20px}
    .content-body h3{font-size:1rem}
    .content-body p{font-size:.9rem}
    .content-summary{padding:16px 18px}
    .content-summary p{font-size:.88rem;line-height:1.7}
    .checklist-box{padding:14px 16px}
    .checklist-box li{font-size:.85rem;gap:6px}
    .warning-box{padding:14px 16px}
    .warning-box li{font-size:.82rem}
    .pros,.cons{padding:14px}
    .pros li,.cons li{font-size:.82rem}
    .rec-card{padding:14px}
    .spec{font-size:.84rem;padding:8px 0}
    .spec-label{font-size:.78rem}
    .content-meta span{font-size:.72rem;padding:2px 8px}
    .lender-detail-card{padding:18px}
    .lender-header{gap:10px}
    .spec{font-size:.84rem;padding:8px 0}
    .spec-label{font-size:.78rem}
    .pros-cons{grid-template-columns:1fr;gap:12px}
    .pros,.cons{padding:16px}
    .warning-box{padding:16px 18px}
    .checklist-box{padding:16px 18px}
    .numbered-steps{padding:0!important;margin:0!important}
    .numbered-steps li{padding:0 0 14px 0!important;margin-bottom:14px}
    .numbered-steps .step{flex-direction:column;gap:8px}
    .numbered-steps .step-number{width:32px;height:32px;font-size:.8rem}
    .content-cta-box{padding:28px 20px;margin:24px 0}
    .content-cta-box h3{font-size:1.1rem}
    .content-cta-box p{font-size:.85rem}
    .related-grid{grid-template-columns:1fr}
    .related-card{padding:14px}
    .related-card h4{font-size:.82rem}

    /* Tables */
    .table-responsive{margin-bottom:20px;border-radius:var(--rounded);font-size:.82rem}
    .comparison-table th{padding:10px 12px;font-size:.7rem}
    .comparison-table td{padding:10px 12px;font-size:.82rem}

    /* Key stats */
    .key-stats-block{gap:8px}
    .key-stat{padding:12px 8px}
    .key-stat-num{font-size:1.1rem}
    .key-stat span:last-child{font-size:.65rem}

    /* Silo */
    .silo-grid{grid-template-columns:1fr}
    .silo-card{padding:20px 16px}

    /* Filter/Compare */
    .filter-bar{flex-direction:column;padding:14px 16px}
    .compare-card{padding:16px}
    .compare-card-stats{grid-template-columns:repeat(2,1fr)}

    /* Form */
    .form-grid{grid-template-columns:1fr}
    .application-form{padding:18px}

    /* Sticky bar */
    .sticky-bar-inner{gap:8px}
    .sticky-amount{font-size:.95rem}
    .sticky-term{font-size:.78rem}
}

/* === Small phone === */
@media(max-width:480px){
    .container{padding:0 14px}
    .hero{padding:70px 0 24px}
    .hero h1{font-size:1.35rem}
    .hero-badge{font-size:.72rem}
    .hero-desc{font-size:.85rem}
    .hero-tag{padding:5px 10px;font-size:.75rem}
    .calculator-header,.calculator-body{padding-left:14px;padding-right:14px}
    .calculator-header h2{font-size:1rem}
    .stats-grid{gap:8px}
    .stat-number{font-size:1.1rem}
    .stat-label{font-size:.72rem}
    .key-stats-block{grid-template-columns:1fr 1fr;gap:6px}
    .key-stat{padding:10px 8px}
    .key-stat-num{font-size:1rem}
    .content-body h1{font-size:1.25rem}
    .content-body h2{font-size:1.05rem}
    .lender-detail-card{padding:14px}
    .offer-preview-card{padding:16px;padding-top:28px}
    .offer-stats-grid>div{padding:8px 10px}
    .offer-stats-grid .stat-val{font-size:.78rem}
    .offer-stats-grid .stat-title{font-size:.6rem}
    .sticky-bar .btn{padding:8px 14px;font-size:.78rem}
    .sticky-amount{font-size:.88rem}
    .cta-section h2{font-size:1.15rem}
    .footer-grid{grid-template-columns:1fr;gap:16px}
    .section{padding:36px 0}
    .section-header h2{font-size:1.2rem}
    .comparison-table th{padding:8px 10px;font-size:.65rem}
    .comparison-table td{padding:8px 10px;font-size:.78rem}
    .toc{padding:14px}
    .toc-list li a{font-size:.73rem;padding:4px 8px}
    .rec-card{padding:14px}
    .rec-card h4{font-size:.85rem}
    .rec-card p{font-size:.8rem}
}