/* ========================================
   UrgentLoans.co.za - Main Stylesheet
   SEO/GEO Optimized · South Africa
   ======================================== */

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

:root {
    --primary: #1E40AF;
    --primary-dark: #1e3a8a;
    --primary-darker: #172554;
    --accent: #FBBF24;
    --accent-hover: #F59E0B;
    --accent-dark: #D97706;
    --bg: #FFFFFF;
    --bg-alt: #F8FAFC;
    --text: #111827;
    --text-light: #6B7280;
    --text-muted: #9CA3AF;
    --border: #E2E8F0;
    --success: #059669;
    --success-light: #D1FAE5;
    --danger: #DC2626;
    --radius: 12px;
    --radius-lg: 16px;
    --shadow: 0 4px 6px -1px rgba(0,0,0,.1), 0 2px 4px -2px rgba(0,0,0,.1);
    --shadow-lg: 0 20px 25px -5px rgba(0,0,0,.1), 0 8px 10px -6px rgba(0,0,0,.1);
    --shadow-xl: 0 25px 50px -12px rgba(0,0,0,.25);
}

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

body {
    font-family: 'Manrope', sans-serif;
    font-size: 16px;
    line-height: 1.6;
    color: var(--text);
    background: var(--bg);
    overflow-x: hidden;
    width: 100%;
}

a {
    color: var(--primary);
    text-decoration: none;
    transition: color .2s;
}
a:hover { color: var(--accent-dark); }

img { max-width: 100%; height: auto; }

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

/* --- Buttons --- */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 12px 24px;
    border: none;
    border-radius: var(--radius);
    font-family: inherit;
    font-size: 16px;
    font-weight: 700;
    cursor: pointer;
    transition: all .2s;
    text-decoration: none;
    max-width: 100%;
    text-align: center;
}
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }

.btn-accent {
    background: var(--accent);
    color: var(--primary-darker);
    box-shadow: 0 4px 14px rgba(251, 191, 36, .4);
}
.btn-accent:hover {
    background: var(--accent-hover);
    box-shadow: 0 6px 20px rgba(251, 191, 36, .5);
}
.btn-sm { padding: 8px 18px; font-size: 14px; }
.btn-lg { padding: 16px 32px; font-size: 18px; }
.btn-full { width: 100%; justify-content: center; }
.btn-outline {
    background: transparent;
    border: 2px solid var(--primary);
    color: var(--primary);
}
.btn-outline:hover {
    background: var(--primary);
    color: #fff;
}
.btn-white {
    background: #fff;
    color: var(--primary);
}
.btn-white:hover { background: #f1f5f9; }

/* --- Header --- */
.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: rgba(255,255,255,.97);
    backdrop-filter: blur(10px);
    border-bottom: 1px solid var(--border);
    transition: box-shadow .3s;
}
.header.scrolled {
    box-shadow: var(--shadow);
}
.header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 70px;
}
.logo {
    display: flex;
    align-items: center;
    font-size: 22px;
    font-weight: 900;
    color: var(--primary-dark);
    text-decoration: none;
    flex-shrink: 0;
    letter-spacing: -.3px;
}
.logo-accent { color: var(--accent-dark); }

/* --- Nav with Dropdown --- */
.nav {
    display: flex;
    align-items: center;
    gap: 6px;
}
.nav-link {
    color: var(--text);
    font-weight: 600;
    font-size: 15px;
    padding: 8px 14px;
    border-radius: 8px;
    transition: background .2s, color .2s;
    text-decoration: none;
}
.nav-link:hover {
    background: var(--bg-alt);
    color: var(--primary);
}
.nav-dropdown {
    position: relative;
}
.has-dropdown {
    display: inline-flex;
    align-items: center;
    gap: 4px;
}
.has-dropdown svg {
    transition: transform .2s;
}
.dropdown-menu {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    min-width: 300px;
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    box-shadow: var(--shadow-lg);
    padding: 8px;
    margin-top: 8px;
    z-index: 100;
}
.nav-dropdown:hover .dropdown-menu {
    display: block;
}
.nav-dropdown:hover .has-dropdown svg {
    transform: rotate(180deg);
}
.dropdown-menu a {
    display: block;
    padding: 12px 16px;
    border-radius: 8px;
    text-decoration: none;
    transition: background .15s;
}
.dropdown-menu a:hover {
    background: var(--bg-alt);
}
.dropdown-menu a strong {
    display: block;
    color: var(--text);
    font-size: 15px;
    font-weight: 700;
}
.dropdown-menu a span {
    font-size: 13px;
    color: var(--text-muted);
}

.header-cta { display: block; }

.hamburger {
    display: none;
    flex-direction: column;
    justify-content: center;
    gap: 6px;
    background: none;
    border: 1px solid var(--border);
    border-radius: 8px;
    cursor: pointer;
    padding: 10px;
    width: 44px;
    height: 44px;
}
.hamburger span {
    display: block;
    width: 22px;
    height: 2px;
    background: var(--text);
    border-radius: 2px;
    transition: .3s;
}
.hamburger.active {
    border-color: var(--text-muted);
}
.hamburger.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 6px); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -6px); }

/* Mobile Nav */
.mobile-nav {
    display: none;
    position: fixed;
    top: 60px;
    left: 0;
    right: 0;
    bottom: 0;
    background: #fff;
    padding: 8px 20px 20px;
    flex-direction: column;
    gap: 0;
    z-index: 999;
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
}
.mobile-nav.active { display: flex; }
.mobile-nav > a {
    color: var(--text);
    font-weight: 700;
    font-size: 16px;
    padding: 14px 0;
    text-decoration: none;
    border-bottom: 1px solid var(--border);
}
.mobile-nav > button {
    margin-top: 16px;
    border-bottom: none;
}
.mobile-nav-group {
    padding-bottom: 8px;
    margin-bottom: 4px;
    border-bottom: 1px solid var(--border);
}
.mobile-nav-label {
    display: block;
    font-size: 11px;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 1.2px;
    color: var(--text-muted);
    padding: 12px 0 6px;
}
.mobile-nav-group a {
    display: block;
    padding: 12px 0 12px 16px;
    font-size: 15px;
    color: var(--text);
    font-weight: 600;
    text-decoration: none;
    border-bottom: 1px solid var(--bg-alt);
}
.mobile-nav-group a:last-child { border-bottom: none; }

/* --- Hero --- */
.hero {
    position: relative;
    background: linear-gradient(135deg, #1E40AF 0%, #1e3a8a 55%, #172554 100%);
    padding: 120px 0 80px;
    overflow: hidden;
    min-height: 90vh;
    display: flex;
    align-items: center;
}
.hero-grid {
    display: grid;
    grid-template-columns: 1fr 440px;
    gap: 60px;
    align-items: center;
}
.hero-content {
    color: #fff;
}
.hero-breadcrumb {
    margin-bottom: 16px;
}
.hero-breadcrumb a {
    color: rgba(255,255,255,.5);
    font-size: 14px;
    font-weight: 600;
}
.hero-breadcrumb a:hover { color: rgba(255,255,255,.8); }
.hero-content h1 {
    font-size: clamp(32px, 5vw, 50px);
    font-weight: 900;
    line-height: 1.15;
    margin-bottom: 20px;
}
.text-accent { color: var(--accent); }
.hero-sub {
    font-size: 18px;
    color: rgba(255,255,255,.85);
    margin-bottom: 24px;
    max-width: 540px;
    line-height: 1.7;
}
.hero-sub strong { color: #fff; }
.hero-pills {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    margin-bottom: 32px;
}
.pill {
    display: inline-flex;
    align-items: center;
    padding: 6px 14px;
    background: rgba(255,255,255,.12);
    border: 1px solid rgba(255,255,255,.2);
    border-radius: 100px;
    color: #fff;
    font-size: 14px;
    font-weight: 600;
    backdrop-filter: blur(4px);
}
.hero-trust {
    display: flex;
    gap: 24px;
    flex-wrap: wrap;
}
.trust-item {
    display: flex;
    align-items: center;
    gap: 6px;
    color: rgba(255,255,255,.7);
    font-size: 13px;
    font-weight: 600;
}

/* (bubbles removed) */

/* --- Calculator Card --- */
.hero-card {
    background: #fff;
    border-radius: var(--radius-lg);
    padding: 32px;
    box-shadow: var(--shadow-xl);
    position: relative;
}
.card-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 6px 14px;
    background: var(--success-light);
    color: var(--success);
    border-radius: 100px;
    font-size: 13px;
    font-weight: 700;
    margin-bottom: 20px;
}
.pulse-dot {
    display: inline-block;
    width: 8px;
    height: 8px;
    background: var(--success);
    border-radius: 50%;
    animation: pulse 2s ease-in-out infinite;
}
@keyframes pulse {
    0%, 100% { opacity: 1; transform: scale(1); }
    50% { opacity: .5; transform: scale(1.3); }
}
.card-title {
    font-size: 24px;
    font-weight: 800;
    color: var(--text);
    margin-bottom: 24px;
}

/* Sliders */
.slider-group { margin-bottom: 24px; }
.slider-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 10px;
}
.slider-header label {
    font-weight: 700;
    font-size: 14px;
    color: var(--text);
}
.slider-value {
    font-weight: 800;
    font-size: 18px;
    color: var(--primary);
}
.slider {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 8px;
    border-radius: 4px;
    background: var(--border);
    outline: none;
    cursor: pointer;
}
.slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--primary);
    border: 3px solid #fff;
    box-shadow: 0 2px 8px rgba(30, 64, 175, .4);
    cursor: pointer;
    transition: transform .15s;
}
.slider::-webkit-slider-thumb:hover { transform: scale(1.15); }
.slider::-moz-range-thumb {
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--primary);
    border: 3px solid #fff;
    box-shadow: 0 2px 8px rgba(30, 64, 175, .4);
    cursor: pointer;
}
.slider-range {
    display: flex;
    justify-content: space-between;
    margin-top: 6px;
    font-size: 12px;
    color: var(--text-muted);
    font-weight: 600;
}

/* Calc Summary */
.calc-summary {
    background: var(--bg-alt);
    border-radius: var(--radius);
    padding: 16px;
    margin-bottom: 20px;
}
.calc-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 6px 0;
}
.calc-row span { color: var(--text-light); font-size: 14px; }
.calc-row strong { color: var(--primary); font-size: 16px; }
.calc-note {
    font-size: 11px;
    color: var(--text-muted);
    margin-top: 8px;
    line-height: 1.5;
}
.calc-note a { color: var(--text-muted); }

/* --- Lender Trust Bar --- */
.lender-bar {
    background: #fff;
    border-bottom: 1px solid var(--border);
    padding: 28px 0;
    text-align: center;
}
.lender-bar-label {
    font-size: 13px;
    color: var(--text-muted);
    font-weight: 600;
    margin-bottom: 20px;
}
.lender-logos {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    align-items: center;
    gap: 24px;
}
.lender-logo-item {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 10px 20px;
    background: var(--bg-alt);
    border: 1px solid var(--border);
    border-radius: 10px;
    height: 56px;
}
.lender-logo-item img {
    height: 32px;
    width: auto;
    object-fit: contain;
}

/* --- Stats Section --- */
.stats-section {
    background: var(--bg-alt);
    padding: 48px 0;
    border-bottom: 1px solid var(--border);
}
.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 32px;
    text-align: center;
}
.stat-number {
    font-size: 36px;
    font-weight: 900;
    color: var(--primary);
    margin-bottom: 4px;
}
.stat-label {
    font-size: 14px;
    color: var(--text-light);
    font-weight: 600;
}

/* --- Sections --- */
.section { padding: 80px 0; }
.section-alt { background: var(--bg-alt); }
.section-title {
    font-size: clamp(26px, 3.5vw, 38px);
    font-weight: 900;
    text-align: center;
    margin-bottom: 12px;
    color: var(--text);
    line-height: 1.3;
}
.section-sub {
    text-align: center;
    color: var(--text-light);
    font-size: 18px;
    margin-bottom: 48px;
    max-width: 650px;
    margin-left: auto;
    margin-right: auto;
}

/* --- Steps --- */
.steps-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
}
.step-card {
    text-align: center;
    padding: 40px 28px;
    background: #fff;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow);
    position: relative;
    transition: transform .2s, box-shadow .2s;
}
.step-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}
.step-number {
    position: absolute;
    top: -16px;
    left: 50%;
    transform: translateX(-50%);
    width: 32px;
    height: 32px;
    background: var(--accent);
    color: var(--primary-darker);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 900;
    font-size: 14px;
}
.step-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 72px;
    height: 72px;
    margin: 0 auto 20px;
    background: linear-gradient(135deg, rgba(30,64,175,.08), rgba(30,64,175,.15));
    border-radius: 50%;
    color: var(--primary);
}
.step-card h3 {
    font-size: 20px;
    font-weight: 800;
    margin-bottom: 12px;
    color: var(--text);
}
.step-card p {
    font-size: 15px;
    color: var(--text-light);
    line-height: 1.6;
}

/* --- Loan Types Grid --- */
.loan-types-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}
.loan-type-card {
    display: block;
    background: #fff;
    border: 2px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 32px 24px;
    text-decoration: none;
    transition: transform .2s, box-shadow .2s, border-color .2s;
}
.loan-type-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
    border-color: var(--primary);
}
.ltc-icon {
    width: 56px;
    height: 56px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, rgba(30,64,175,.08), rgba(30,64,175,.15));
    border-radius: 14px;
    color: var(--primary);
    margin-bottom: 16px;
}
.loan-type-card h3 {
    font-size: 18px;
    font-weight: 800;
    color: var(--text);
    margin-bottom: 8px;
}
.loan-type-card p {
    font-size: 14px;
    color: var(--text-light);
    line-height: 1.6;
    margin-bottom: 12px;
}
.ltc-link {
    font-size: 14px;
    font-weight: 700;
    color: var(--primary);
}

/* --- Benefits --- */
.benefits-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}
.benefit-item {
    display: flex;
    gap: 16px;
    padding: 24px;
    background: #fff;
    border-radius: var(--radius);
    border: 1px solid var(--border);
    transition: transform .2s, box-shadow .2s;
}
.benefit-item:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow);
}
.benefit-icon {
    flex-shrink: 0;
    width: 52px;
    height: 52px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, rgba(30,64,175,.08), rgba(30,64,175,.15));
    border-radius: 12px;
    color: var(--primary);
}
.benefit-item h4 {
    font-size: 16px;
    font-weight: 800;
    margin-bottom: 6px;
    color: var(--text);
}
.benefit-item p {
    font-size: 14px;
    color: var(--text-light);
    line-height: 1.5;
}
.benefit-item p a { color: var(--primary); text-decoration: underline; }

/* --- Comparison Table --- */
.table-wrap {
    overflow-x: auto;
    margin-bottom: 16px;
    border-radius: var(--radius);
    border: 1px solid var(--border);
}
.compare-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 15px;
}
.compare-table th {
    background: var(--primary-darker);
    color: #fff;
    padding: 14px 18px;
    text-align: left;
    font-weight: 700;
    font-size: 13px;
    text-transform: uppercase;
    letter-spacing: .5px;
    white-space: nowrap;
}
.compare-table td {
    padding: 14px 18px;
    border-bottom: 1px solid var(--border);
    color: var(--text);
    white-space: nowrap;
}
.compare-table tbody tr:hover {
    background: rgba(30,64,175,.03);
}
.compare-table tbody tr:last-child td {
    border-bottom: none;
}
.table-logo {
    display: block;
    height: 36px;
    width: auto;
    max-width: 140px;
    object-fit: contain;
    margin-bottom: 4px;
}
.compare-table td:first-child {
    min-width: 140px;
}
.table-disclaimer {
    font-size: 12px;
    color: var(--text-muted);
    line-height: 1.6;
    margin-top: 8px;
}
.table-disclaimer a { color: var(--text-muted); text-decoration: underline; }

/* --- Regulation Section --- */
.reg-grid {
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    gap: 48px;
    align-items: start;
}
.reg-content h2 {
    font-size: 32px;
    font-weight: 900;
    margin-bottom: 16px;
    color: var(--text);
}
.reg-content p {
    font-size: 16px;
    color: var(--text-light);
    line-height: 1.7;
    margin-bottom: 16px;
}
.check-list {
    list-style: none;
    padding: 0;
    margin: 0 0 16px;
}
.check-list li {
    position: relative;
    padding: 8px 0 8px 28px;
    font-size: 15px;
    color: var(--text-light);
    line-height: 1.6;
}
.check-list li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--success);
    font-weight: 900;
    font-size: 16px;
}
.check-list li strong { color: var(--text); }
.reg-badges {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}
.reg-badge-item {
    text-align: center;
    padding: 28px 20px;
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    color: var(--primary);
    transition: transform .2s;
}
.reg-badge-item:hover { transform: translateY(-2px); }
.reg-badge-item svg { margin-bottom: 12px; }
.reg-badge-item strong {
    display: block;
    font-size: 15px;
    color: var(--text);
    margin-bottom: 4px;
}
.reg-badge-item span {
    font-size: 13px;
    color: var(--text-muted);
}

/* --- Reviews --- */
.reviews-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
}
.review-card {
    background: #fff;
    border-radius: var(--radius-lg);
    padding: 28px;
    box-shadow: var(--shadow);
    border: 1px solid var(--border);
    transition: transform .2s;
}
.review-card:hover { transform: translateY(-2px); }
.review-stars {
    color: var(--accent);
    font-size: 20px;
    margin-bottom: 12px;
    letter-spacing: 2px;
}
.review-card > p {
    font-size: 15px;
    color: var(--text);
    line-height: 1.7;
    margin-bottom: 20px;
    font-style: italic;
}
.review-author {
    display: flex;
    align-items: center;
    gap: 12px;
}
.author-avatar {
    width: 42px;
    height: 42px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 14px;
    flex-shrink: 0;
}
.review-author strong {
    display: block;
    font-size: 14px;
    color: var(--text);
}
.review-author span {
    font-size: 12px;
    color: var(--text-muted);
}

/* --- FAQ --- */
.faq-list {
    max-width: 800px;
    margin: 0 auto;
}
.faq-item {
    border: 1px solid var(--border);
    border-radius: var(--radius);
    margin-bottom: 12px;
    background: #fff;
    overflow: hidden;
}
.faq-question {
    display: flex;
    align-items: center;
    justify-content: space-between;
    width: 100%;
    padding: 18px 24px;
    background: none;
    border: none;
    font-family: inherit;
    font-size: 16px;
    font-weight: 700;
    color: var(--text);
    cursor: pointer;
    text-align: left;
    transition: background .2s;
    gap: 12px;
}
.faq-question:hover { background: var(--bg-alt); }
.faq-icon {
    font-size: 22px;
    font-weight: 300;
    color: var(--primary);
    transition: transform .3s;
    flex-shrink: 0;
}
.faq-item.active .faq-icon {
    transform: rotate(45deg);
}
.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height .3s ease;
}
.faq-answer p, .faq-answer ul {
    padding: 0 24px 18px;
    font-size: 15px;
    color: var(--text-light);
    line-height: 1.7;
}
.faq-answer a { color: var(--primary); text-decoration: underline; }

/* --- CTA Section --- */
.cta-section {
    background: linear-gradient(135deg, #1E40AF 0%, #1e3a8a 55%, #172554 100%);
    padding: 80px 0;
    text-align: center;
    color: #fff;
}
.cta-section h2, .cta-section h3,
.cta-inner h2, .cta-inner h3 {
    font-size: clamp(28px, 4vw, 40px);
    font-weight: 900;
    color: #fff !important;
    margin-bottom: 16px;
}
.cta-section p,
.cta-inner p {
    font-size: 18px;
    color: rgba(255,255,255,.8) !important;
    margin-bottom: 32px;
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}
.cta-section a, .cta-section span { color: inherit; }

/* --- Footer --- */
.footer {
    background: #0f172a;
    color: rgba(255,255,255,.7);
    padding: 60px 0 0;
}
.footer h2, .footer h3, .footer h4 { color: #fff !important; }
.footer p { color: rgba(255,255,255,.5) !important; }
.footer a { color: rgba(255,255,255,.5); }
.footer a:hover { color: var(--accent); }
.footer strong { color: rgba(255,255,255,.7); }
.footer .logo { font-size: 20px; color: #fff; }
.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1fr;
    gap: 40px;
    padding-bottom: 32px;
}
.footer-brand p {
    font-size: 14px;
    line-height: 1.7;
    margin-top: 16px;
    color: rgba(255,255,255,.45);
}
.footer-links h4 {
    color: #fff;
    font-size: 15px;
    font-weight: 800;
    margin-bottom: 16px;
}
.footer-links a {
    display: block;
    color: rgba(255,255,255,.45);
    font-size: 14px;
    padding: 4px 0;
    transition: color .2s;
    text-decoration: none;
}
.footer-links a:hover { color: var(--accent); }

.footer-regulation {
    padding: 20px 24px;
    background: rgba(255,255,255,.04);
    border-radius: var(--radius);
    margin-bottom: 24px;
}
.footer-regulation p {
    font-size: 13px;
    color: rgba(255,255,255,.4);
    line-height: 1.7;
}
.footer-regulation strong { color: rgba(255,255,255,.6); }

.footer-bottom {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 20px 0;
    border-top: 1px solid rgba(255,255,255,.08);
    flex-wrap: wrap;
    gap: 16px;
}
.footer-bottom p {
    font-size: 13px;
    color: rgba(255,255,255,.35);
}
.footer-badges {
    display: flex;
    gap: 10px;
    flex-wrap: wrap;
}
.badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 4px 12px;
    background: rgba(255,255,255,.06);
    border: 1px solid rgba(255,255,255,.1);
    border-radius: 100px;
    font-size: 12px;
    font-weight: 600;
    color: rgba(255,255,255,.5);
}

.footer-disclaimer {
    padding: 24px 0;
    border-top: 1px solid rgba(255,255,255,.06);
}
.footer-disclaimer p {
    font-size: 12px;
    color: rgba(255,255,255,.3);
    line-height: 1.7;
}
.footer-disclaimer strong { color: rgba(255,255,255,.4); }

/* --- Sticky Bottom Bar --- */
.sticky-bar {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    background: rgba(255,255,255,.97);
    backdrop-filter: blur(10px);
    border-top: 1px solid var(--border);
    padding: 12px 0;
    z-index: 998;
    transform: translateY(100%);
    transition: transform .3s;
    box-shadow: 0 -4px 12px rgba(0,0,0,.08);
}
.sticky-bar.visible { transform: translateY(0); }
.sticky-bar-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
}
.sticky-bar-info strong {
    display: block;
    font-size: 15px;
    color: var(--text);
}
.sticky-bar-info span {
    font-size: 13px;
    color: var(--text-light);
}

/* --- Modals --- */
.modal-overlay {
    display: none;
    position: fixed;
    inset: 0;
    background: rgba(15, 23, 42, .6);
    backdrop-filter: blur(4px);
    z-index: 2000;
    justify-content: center;
    align-items: flex-start;
    padding: 40px 20px;
    overflow-y: auto;
}
.modal-overlay.active { display: flex; }
.modal {
    background: #fff;
    border-radius: var(--radius-lg);
    width: 100%;
    max-width: 560px;
    position: relative;
    animation: modalIn .3s ease;
    margin: auto;
}
.modal-offers { max-width: 720px; }
@keyframes modalIn {
    from { opacity: 0; transform: scale(.93); }
    to { opacity: 1; transform: scale(1); }
}
.modal-close {
    position: absolute;
    top: 16px;
    right: 16px;
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: var(--bg-alt);
    border: 1px solid var(--border);
    font-size: 22px;
    color: var(--text-light);
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: background .2s;
    z-index: 10;
}
.modal-close:hover { background: var(--border); }
.modal-header {
    padding: 28px 32px 0;
}
.modal-header h2 {
    font-size: 24px;
    font-weight: 800;
    color: var(--text);
    margin-bottom: 4px;
}
.modal-header p {
    color: var(--text-light);
    font-size: 15px;
}
.modal-body {
    padding: 24px 32px 32px;
}

/* Form */
.form-summary {
    display: flex;
    gap: 16px;
    margin-bottom: 24px;
}
.form-summary-item {
    flex: 1;
    background: var(--bg-alt);
    border-radius: var(--radius);
    padding: 12px 16px;
    text-align: center;
}
.form-summary-item span {
    display: block;
    font-size: 12px;
    color: var(--text-muted);
    font-weight: 600;
    margin-bottom: 2px;
}
.form-summary-item strong {
    font-size: 20px;
    color: var(--primary);
}
.form-group { margin-bottom: 16px; }
.form-group label {
    display: block;
    font-size: 14px;
    font-weight: 700;
    color: var(--text);
    margin-bottom: 6px;
}
.form-group input,
.form-group select {
    width: 100%;
    padding: 12px 16px;
    border: 2px solid var(--border);
    border-radius: var(--radius);
    font-family: inherit;
    font-size: 15px;
    color: var(--text);
    background: #fff;
    transition: border-color .2s;
    outline: none;
}
.form-group input:focus,
.form-group select:focus {
    border-color: var(--primary);
}
.form-group input::placeholder { color: var(--text-muted); }
.form-group input.error,
.form-group select.error { border-color: #EF4444; }
.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
}
.form-check {
    display: flex;
    gap: 10px;
    align-items: flex-start;
    margin-bottom: 12px;
}
.form-check input[type="checkbox"] {
    width: 18px;
    height: 18px;
    margin-top: 2px;
    flex-shrink: 0;
    accent-color: var(--primary);
}
.form-check label {
    font-size: 13px;
    color: var(--text-light);
    line-height: 1.5;
}
.form-check label a { color: var(--primary); text-decoration: underline; }
.form-safe {
    display: flex;
    align-items: center;
    gap: 8px;
    justify-content: center;
    margin-top: 16px;
    font-size: 12px;
    color: var(--text-muted);
}

/* --- Loading Overlay (Countdown) --- */
.loading-overlay {
    display: none;
    position: fixed;
    inset: 0;
    background: rgba(255,255,255,.97);
    backdrop-filter: blur(12px);
    z-index: 3000;
    justify-content: center;
    align-items: center;
}
.loading-overlay.active { display: flex; }
.loading-content {
    text-align: center;
    padding: 40px;
    max-width: 420px;
}
.countdown-circle {
    position: relative;
    width: 80px;
    height: 80px;
    margin: 0 auto 28px;
}
.countdown-circle svg {
    width: 80px;
    height: 80px;
    transform: rotate(-90deg);
}
.countdown-bg {
    fill: none;
    stroke: var(--border);
    stroke-width: 3;
}
.countdown-progress {
    fill: none;
    stroke: var(--primary);
    stroke-width: 3;
    stroke-linecap: round;
    stroke-dasharray: 226;
    stroke-dashoffset: 0;
}
.countdown-number {
    position: absolute;
    inset: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 32px;
    font-weight: 800;
    color: var(--primary);
    animation: countPulse 1s ease-in-out infinite;
}
@keyframes countPulse {
    0%, 100% { transform: scale(1); }
    50% { transform: scale(1.1); }
}
.loading-content h2 {
    font-size: 22px;
    font-weight: 800;
    color: var(--text);
    margin-bottom: 8px;
}
.loading-sub {
    font-size: 15px;
    color: var(--text-muted);
    margin-bottom: 32px;
}
.loading-steps {
    display: flex;
    flex-direction: column;
    gap: 14px;
    text-align: left;
    max-width: 280px;
    margin: 0 auto;
}
.loading-step {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 15px;
    color: var(--text-muted);
    font-weight: 600;
    transition: color .3s;
}
.step-dot {
    width: 20px;
    height: 20px;
    border-radius: 50%;
    border: 2px solid var(--border);
    flex-shrink: 0;
    transition: all .3s;
    position: relative;
}
.loading-step.active {
    color: var(--primary);
}
.loading-step.active .step-dot {
    border-color: var(--primary);
    background: var(--primary);
    box-shadow: 0 0 0 4px rgba(30,64,175,.15);
}
.loading-step.done {
    color: var(--success);
}
.loading-step.done .step-dot {
    border-color: var(--success);
    background: var(--success);
}
.loading-step.done .step-dot::after {
    content: '✓';
    position: absolute;
    inset: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #fff;
    font-size: 11px;
    font-weight: 900;
}

/* --- Lender Cards (global — works inside page-content too) --- */
.lender-cards {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin: 24px 0;
}
.lender-cards .lender-card {
    display: flex;
    flex-direction: column;
    background: #fff;
    border: 2px solid var(--border);
    border-radius: var(--radius-lg);
    text-decoration: none !important;
    transition: transform .2s, box-shadow .2s, border-color .2s;
    overflow: hidden;
    color: var(--text);
}
.lender-cards .lender-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
    border-color: var(--primary);
}
.lender-cards .lc-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 20px 20px 12px;
}
.lender-cards .lc-logo {
    height: 40px;
    width: auto;
    max-width: 150px;
    object-fit: contain;
}
.lender-cards .lc-details {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1px;
    background: var(--border);
    margin: 0 20px;
    border-radius: var(--radius);
    overflow: hidden;
}
.lender-cards .lc-detail {
    background: var(--bg-alt);
    padding: 12px 14px;
}
.lender-cards .lc-detail span {
    display: block !important;
    font-size: 10px !important;
    text-transform: uppercase;
    letter-spacing: .4px;
    color: var(--text-muted) !important;
    font-weight: 700;
    margin: 0 0 3px !important;
    padding: 0 !important;
    line-height: 1.2;
}
.lender-cards .lc-detail strong {
    display: block;
    font-size: 15px !important;
    color: var(--text) !important;
    font-weight: 800;
    line-height: 1.3;
}
.lender-cards .lc-cta {
    margin: 16px 20px 20px;
    padding: 14px;
    background: var(--accent);
    color: var(--primary-darker) !important;
    font-weight: 800;
    font-size: 16px;
    text-align: center;
    border-radius: var(--radius);
    transition: background .2s;
}
.lender-cards .lender-card:hover .lc-cta {
    background: var(--accent-hover);
}

/* --- Offers Modal --- */
.modal-offers {
    max-width: 560px;
    max-height: 94vh;
    display: flex;
    flex-direction: column;
    border-radius: var(--radius-lg);
}
.offers-modal-header {
    padding: 24px 28px 18px;
    border-bottom: 1px solid var(--border);
    text-align: center;
}
.offers-modal-header h2 {
    font-size: 20px;
    font-weight: 800;
    color: var(--text);
    margin-bottom: 4px;
}
.offers-modal-header > p {
    font-size: 14px;
    color: var(--text-light);
    margin-bottom: 6px;
}
.offers-live {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 12px;
    color: var(--success);
    font-weight: 700;
}
.offers-cards {
    padding: 16px 28px 28px;
    overflow-y: auto;
    flex: 1;
}

/* --- Offer Card V2 --- */
.offer-card-v2 {
    border: 2px solid var(--border);
    border-radius: var(--radius);
    margin-bottom: 14px;
    transition: transform .2s, box-shadow .2s;
    position: relative;
    overflow: hidden;
    background: #fff;
}
.offer-card-v2:last-child { margin-bottom: 0; }
.offer-card-v2:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}
.offer-card-v2.oc-recommended {
    border-color: var(--accent);
}

/* Recommended ribbon */
.oc-recommended-ribbon {
    background: var(--accent);
    color: var(--primary-darker);
    font-size: 11px;
    font-weight: 800;
    padding: 5px 0;
    text-align: center;
    letter-spacing: .3px;
}

/* Card Header: Logo left, badge right */
.oc-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 16px 20px 0;
}
.oc-logo-wrap {
    display: flex;
    align-items: center;
}
.oc-logo-img {
    height: 44px;
    width: auto;
    max-width: 160px;
    object-fit: contain;
}
.oc-logo-fallback {
    height: 44px;
    padding: 0 20px;
    border-radius: 8px;
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 900;
    font-size: 15px;
}
.oc-title-wrap { display: none; }
.oc-usp {
    font-size: 13px;
    color: var(--text-light);
    font-weight: 500;
    padding: 6px 20px 0;
}
.oc-badge {
    font-size: 11px;
    font-weight: 700;
    padding: 4px 12px;
    border-radius: 100px;
    white-space: nowrap;
    flex-shrink: 0;
}
.oc-badge-recommended { background: #DBEAFE; color: var(--primary); }
.oc-badge-default { background: var(--success-light); color: var(--success); }
.oc-badge-hot { background: #FEE2E2; color: #DC2626; }

/* Stats Row — inline label: value */
.oc-stats {
    display: flex;
    flex-wrap: wrap;
    gap: 0;
    margin: 14px 20px 0;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    overflow: hidden;
}
.oc-stat {
    flex: 1 1 50%;
    padding: 9px 14px;
    display: flex;
    align-items: center;
    gap: 6px;
    border-bottom: 1px solid var(--border);
    background: var(--bg-alt);
}
.oc-stat:nth-child(odd) {
    border-right: 1px solid var(--border);
}
.oc-stat:nth-last-child(-n+2) {
    border-bottom: none;
}
.oc-stat-label {
    font-size: 11px;
    color: var(--text-muted);
    font-weight: 600;
    white-space: nowrap;
}
.oc-stat-value {
    font-size: 13px;
    font-weight: 800;
    color: var(--text);
    white-space: nowrap;
}

/* Features */
.oc-features {
    display: flex;
    flex-wrap: wrap;
    gap: 6px;
    padding: 12px 20px 0;
}
.oc-feature {
    font-size: 11px;
    font-weight: 600;
    color: var(--success);
    background: var(--success-light);
    padding: 3px 9px;
    border-radius: 100px;
}

/* CTA */
.oc-bottom {
    padding: 14px 20px 16px;
}
.btn-primary {
    background: var(--primary);
    color: #fff;
    box-shadow: 0 4px 14px rgba(30, 64, 175, .3);
}
.btn-primary:hover {
    background: var(--primary-dark);
    box-shadow: 0 6px 20px rgba(30, 64, 175, .4);
}
.oc-cta {
    font-size: 16px;
    padding: 14px 24px;
}
.oc-trust {
    text-align: center;
    font-size: 11px;
    color: var(--text-muted);
    margin-top: 8px;
    font-weight: 600;
}

/* ========================================
   Page Styles (Subpages)
   ======================================== */
.page-hero {
    background: linear-gradient(135deg, #1E40AF 0%, #1e3a8a 55%, #172554 100%);
    padding: 120px 0 60px;
    text-align: center;
    color: #fff;
}
.page-hero h1 {
    font-size: clamp(28px, 4vw, 42px);
    font-weight: 900;
    margin-bottom: 12px;
    line-height: 1.3;
    color: #fff !important;
}
.page-hero p {
    font-size: 18px;
    color: rgba(255,255,255,.7) !important;
    max-width: 600px;
    margin: 0 auto;
}

/* Breadcrumbs */
.breadcrumb {
    padding: 16px 0;
    border-bottom: 1px solid var(--border);
}
.breadcrumb-list {
    display: flex;
    align-items: center;
    gap: 8px;
    list-style: none;
    font-size: 14px;
    color: var(--text-muted);
}
.breadcrumb-list a {
    color: var(--text-light);
    text-decoration: none;
}
.breadcrumb-list a:hover { color: var(--primary); }
.breadcrumb-list .sep { color: var(--border); }

/* Page Content */
.page-content {
    padding: 60px 0;
}
.page-content .container {
    max-width: 860px;
}
.page-content > .container > h2,
.page-content h2 {
    font-size: 26px;
    font-weight: 800;
    margin: 40px 0 14px;
    color: var(--text);
    line-height: 1.3;
}
.page-content h2:first-of-type { margin-top: 0; }
.page-content > .container > h3,
.page-content h3 {
    font-size: 20px;
    font-weight: 700;
    margin: 28px 0 10px;
    color: var(--text);
}
.page-content > .container > p,
.page-content p {
    font-size: 16px;
    color: var(--text-light);
    line-height: 1.8;
    margin-bottom: 16px;
}
.page-content p strong { color: var(--text); }
.page-content ul, .page-content ol {
    margin: 0 0 16px 24px;
    color: var(--text-light);
    font-size: 16px;
    line-height: 1.8;
}
.page-content li { margin-bottom: 4px; }
.page-content li strong { color: var(--text); }
.page-content a {
    color: var(--primary);
    text-decoration: underline;
}

/* Content Check List */
.page-content .check-list {
    margin-left: 0;
}

/* Content Table */
.page-content .table-wrap {
    margin: 24px 0;
}

/* Content CTA Box */
.content-cta {
    background: linear-gradient(135deg, rgba(30,64,175,.06), rgba(30,64,175,.1));
    border: 2px solid rgba(30,64,175,.15);
    border-radius: var(--radius-lg);
    padding: 40px;
    text-align: center;
    margin: 40px 0;
}
.content-cta h3 {
    font-size: 24px;
    font-weight: 800;
    color: var(--text);
    margin: 0 0 8px;
}
.content-cta p {
    color: var(--text-light);
    margin-bottom: 20px;
    font-size: 16px;
}

/* Warning Box */
.warning-box {
    background: #FEF2F2;
    border: 2px solid #FECACA;
    border-radius: var(--radius);
    padding: 20px 24px;
    margin: 24px 0;
}
.warning-box h3, .warning-box strong {
    color: var(--danger);
}
.warning-box p {
    color: #7F1D1D;
    margin-bottom: 8px;
}

/* Info Box */
.info-box {
    background: #EFF6FF;
    border: 2px solid #BFDBFE;
    border-radius: var(--radius);
    padding: 20px 24px;
    margin: 24px 0;
}
.info-box strong { color: var(--primary); }
.info-box p { color: #1E3A5F; margin-bottom: 8px; }

/* Contact Form */
.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 48px;
}
.contact-form .form-group { margin-bottom: 20px; }
.contact-form textarea {
    width: 100%;
    padding: 12px 16px;
    border: 2px solid var(--border);
    border-radius: var(--radius);
    font-family: inherit;
    font-size: 15px;
    color: var(--text);
    background: #fff;
    transition: border-color .2s;
    outline: none;
    resize: vertical;
    min-height: 120px;
}
.contact-form textarea:focus { border-color: var(--primary); }

/* About Page */
.about-values {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin: 24px 0;
}
.about-value-card {
    text-align: center;
    padding: 32px 24px;
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius);
}
.about-value-card svg {
    color: var(--primary);
    margin-bottom: 12px;
}
.about-value-card h4 {
    font-size: 16px;
    font-weight: 800;
    margin-bottom: 8px;
    color: var(--text);
}
.about-value-card p {
    font-size: 14px;
    color: var(--text-light);
    margin-bottom: 0;
}

/* --- Responsive --- */
/* ========================================
   Inline CTA Banner (for content pages)
   ======================================== */
.inline-cta {
    background: linear-gradient(135deg, rgba(30,64,175,.04), rgba(30,64,175,.08));
    border: 1px solid rgba(30,64,175,.1);
    border-radius: var(--radius-lg);
    padding: 28px 24px;
    text-align: center;
    margin: 32px 0;
}
.inline-cta h3 {
    font-size: 22px;
    font-weight: 800;
    color: var(--text);
    margin: 0 0 8px;
}
.inline-cta p {
    color: var(--text-light);
    margin-bottom: 16px;
}

/* Lender mini-card (for inline use in content) */
.lender-mini {
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 14px 18px;
    background: #fff;
    border: 2px solid var(--border);
    border-radius: var(--radius);
    margin-bottom: 10px;
    transition: border-color .2s, box-shadow .2s;
    text-decoration: none;
}
.lender-mini:hover {
    border-color: var(--primary);
    box-shadow: var(--shadow);
}
.lender-mini img {
    height: 34px;
    width: 120px;
    object-fit: contain;
    object-position: left;
    flex-shrink: 0;
}
.lender-mini-info {
    flex: 1;
    min-width: 0;
}
.lender-mini-info strong {
    display: block;
    font-size: 13px;
    color: var(--text);
    white-space: nowrap;
    overflow: hidden;
    text-overflow: ellipsis;
}
.lender-mini-info span {
    font-size: 11px;
    color: var(--text-muted);
    display: block;
    white-space: nowrap;
    overflow: hidden;
    text-overflow: ellipsis;
}
.lender-mini .btn {
    flex-shrink: 0;
    font-size: 12px;
    padding: 6px 14px;
}

/* Featured snippet box */
.featured-snippet {
    background: #EFF6FF;
    border-left: 4px solid var(--primary);
    border-radius: 0 var(--radius) var(--radius) 0;
    padding: 20px 24px;
    margin: 24px 0;
    font-size: 16px;
    line-height: 1.8;
    color: var(--text);
}

/* Pros / Cons lists */
.pros-cons {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin: 16px 0;
}
.pros h4, .cons h4 {
    font-size: 14px;
    font-weight: 700;
    margin-bottom: 8px;
}
.pros h4 { color: var(--success); }
.cons h4 { color: var(--danger); }
.pros ul, .cons ul {
    list-style: none;
    padding: 0;
    margin: 0;
}
.pros li, .cons li {
    padding: 4px 0 4px 20px;
    position: relative;
    font-size: 14px;
    color: var(--text-light);
}
.pros li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--success);
    font-weight: 900;
}
.cons li::before {
    content: '✗';
    position: absolute;
    left: 0;
    color: var(--danger);
    font-weight: 900;
}

/* Table mobile enhancements */
.compare-table th, .compare-table td {
    font-size: 14px;
}
.compare-table .btn {
    white-space: nowrap;
}

/* Page content image sizing */
.page-content img {
    max-width: 100%;
    height: auto;
    border-radius: 8px;
}
.page-content .table-wrap {
    margin: 20px 0;
}

/* Hero card improvements */
.hero-card .btn-lg {
    font-size: 17px;
    padding: 18px 32px;
}

/* ========================================
   Responsive — Tablet (1024px)
   ======================================== */
@media (max-width: 1024px) {
    .hero-grid { grid-template-columns: 1fr; gap: 32px; }
    .hero { padding: 100px 0 60px; min-height: auto; }
    .hero-card { max-width: 100%; }
    .loan-types-grid { grid-template-columns: repeat(2, 1fr); }
    .lender-cards { grid-template-columns: 1fr 1fr; }
    .benefits-grid { grid-template-columns: repeat(2, 1fr); }
    .reg-grid { grid-template-columns: 1fr; }
    .pros-cons { grid-template-columns: 1fr; }
}

/* ========================================
   Responsive — Mobile (768px)
   ======================================== */
@media (max-width: 768px) {
    /* Navigation */
    .nav, .header-cta { display: none; }
    .hamburger { display: flex; }
    .header-inner { height: 60px; }
    .logo { font-size: 19px; }

    /* Global overflow fix */
    .container { padding: 0 16px; max-width: 100%; }
    section, .footer, .lender-bar, .breadcrumb { overflow-x: hidden; }

    /* Hero */
    .hero { padding: 80px 0 40px; min-height: auto; }
    .hero-content h1 { font-size: 26px; word-break: break-word; }
    .hero-sub { font-size: 14px; max-width: 100%; }
    .hero-pills { gap: 6px; }
    .pill { font-size: 12px; padding: 4px 10px; }
    .hero-trust { gap: 10px; }
    .trust-item { font-size: 12px; }

    /* Calculator card */
    .hero-card { padding: 20px; max-width: 100%; }
    .hero-card .btn-lg { font-size: 15px; padding: 14px 20px; }
    .card-title { font-size: 18px; margin-bottom: 16px; }
    .slider-header label { font-size: 13px; }
    .slider-value { font-size: 16px; }
    .slider-group { margin-bottom: 18px; }
    .slider-range { font-size: 11px; }
    .calc-summary { padding: 12px; }
    .calc-row span { font-size: 13px; }
    .calc-row strong { font-size: 14px; }
    .calc-note { font-size: 10px; }

    /* Sections */
    .section { padding: 40px 0; }
    .section-title { font-size: 22px; line-height: 1.3; }
    .section-sub { font-size: 14px; margin-bottom: 24px; }

    /* Grids → single column */
    .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 16px; }
    .stat-number { font-size: 26px; }
    .stat-label { font-size: 12px; }
    .steps-grid { grid-template-columns: 1fr; }
    .step-card { padding: 28px 20px; }
    .loan-types-grid { grid-template-columns: 1fr; }
    .benefits-grid { grid-template-columns: 1fr; }
    .benefit-item { padding: 16px; gap: 12px; }
    .benefit-icon { width: 44px; height: 44px; min-width: 44px; }
    .reviews-grid { grid-template-columns: 1fr; }
    .review-card { padding: 20px; }
    .reg-grid { gap: 24px; }
    .reg-badges { grid-template-columns: 1fr 1fr; }
    .reg-badge-item { padding: 16px 12px; }
    .about-values { grid-template-columns: 1fr; }

    /* Lender cards */
    .lender-cards { grid-template-columns: 1fr; }
    .lender-cards .lc-top { padding: 16px 16px 10px; }
    .lender-cards .lc-logo { height: 34px; max-width: 130px; }
    .lender-cards .lc-details { margin: 0 16px; }
    .lender-cards .lc-detail { padding: 10px 12px; }
    .lender-cards .lc-detail span { font-size: 10px !important; }
    .lender-cards .lc-detail strong { font-size: 14px !important; }
    .lender-cards .lc-cta { margin: 12px 16px 16px; padding: 12px; font-size: 15px; }

    /* Lender bar */
    .lender-bar { padding: 16px 0; }
    .lender-bar-label { font-size: 11px; margin-bottom: 10px; }
    .lender-logos { gap: 8px; }
    .lender-logo-item { padding: 8px 14px; height: 42px; }
    .lender-logo-item img { height: 22px; }

    /* Footer */
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 20px; }
    .footer-brand { grid-column: 1 / -1; }
    .footer .logo { font-size: 17px; }
    .footer-links h4 { font-size: 14px; margin-bottom: 10px; }
    .footer-links a { font-size: 13px; }
    .footer-regulation { padding: 14px; }
    .footer-regulation p { font-size: 11px; }
    .footer-bottom { flex-direction: column; text-align: center; gap: 12px; }
    .footer-bottom p { font-size: 11px; }
    .footer-badges { justify-content: center; }
    .footer-disclaimer p { font-size: 10px; }

    /* Page content */
    .page-hero { padding: 80px 0 32px; }
    .page-hero h1 { font-size: 22px; padding: 0 4px; line-height: 1.3; }
    .page-hero p { font-size: 14px; padding: 0 8px; }
    .page-content { padding: 32px 0; }
    .page-content .container { max-width: 100%; }
    .page-content h2 { font-size: 19px; margin-top: 28px; }
    .page-content h3 { font-size: 16px; }
    .page-content p { font-size: 14px; line-height: 1.7; }
    .page-content ul, .page-content ol { font-size: 14px; margin-left: 16px; }
    .check-list li { font-size: 14px; padding-left: 22px; }

    /* Tables */
    .table-wrap { margin: 16px -16px; border-radius: 0; border-left: none; border-right: none; }
    .compare-table th { padding: 8px 10px; font-size: 10px; }
    .compare-table td { padding: 8px 10px; font-size: 12px; white-space: normal; }
    .compare-table td:first-child { min-width: 80px; }
    .table-logo { height: 28px; margin-bottom: 3px; max-width: 110px; }

    /* Modals */
    .modal-overlay { padding: 0; }
    .modal { border-radius: 16px 16px 0 0; margin-top: auto; margin-bottom: 0; max-height: 92vh; overflow-y: auto; }
    .modal-body { padding: 16px; }
    .modal-header { padding: 16px 16px 0; }
    .modal-close { top: 10px; right: 10px; width: 30px; height: 30px; font-size: 18px; }

    /* Offers modal */
    .modal-offers { max-width: 100%; margin: auto 0 0; border-radius: 16px 16px 0 0; }
    .offers-cards { padding: 12px 14px 20px; }
    .offers-modal-header { padding: 14px 14px 10px; }
    .offers-modal-header h2 { font-size: 17px; }
    .offers-modal-header > p { font-size: 12px; }
    .offers-live { font-size: 11px; }

    /* Offer cards */
    .offer-card-v2 { margin-bottom: 12px; }
    .oc-recommended-ribbon { font-size: 10px; padding: 3px 0; }
    .oc-header { padding: 12px 14px 0; }
    .oc-logo-img { height: 32px; max-width: 120px; }
    .oc-badge { font-size: 10px; padding: 3px 8px; }
    .oc-usp { font-size: 12px; padding: 4px 14px 0; }
    .oc-stats { margin: 8px 14px 0; }
    .oc-stat { padding: 6px 8px; gap: 4px; }
    .oc-stat-label { font-size: 10px; }
    .oc-stat-value { font-size: 12px; }
    .oc-features { padding: 8px 14px 0; gap: 4px; }
    .oc-feature { font-size: 10px; padding: 2px 7px; }
    .oc-bottom { padding: 10px 14px 12px; }
    .oc-cta { font-size: 14px; padding: 12px 16px; }
    .oc-trust { font-size: 10px; }

    /* Loading */
    .loading-content { padding: 20px; }
    .loading-content h2 { font-size: 18px; }
    .loading-sub { font-size: 13px; }
    .countdown-circle { width: 64px; height: 64px; }
    .countdown-circle svg { width: 64px; height: 64px; }
    .countdown-number { font-size: 24px; }
    .loading-step { font-size: 13px; }

    /* FAQ */
    .faq-question { padding: 12px 14px; font-size: 14px; gap: 8px; }
    .faq-answer p, .faq-answer ul { padding: 0 14px 12px; font-size: 13px; }
    .faq-icon { font-size: 18px; }

    /* Breadcrumb */
    .breadcrumb { padding: 8px 0; }
    .breadcrumb-list { font-size: 12px; overflow-x: auto; white-space: nowrap; }

    /* CTA sections */
    .cta-section { padding: 48px 0; }
    .cta-inner h2 { font-size: 22px; }
    .cta-inner p { font-size: 14px; }

    /* Inline CTA / Lender mini */
    .content-cta, .inline-cta { padding: 20px 16px; margin: 24px 0; }
    .content-cta h3, .inline-cta h3 { font-size: 18px; }
    .lender-mini { padding: 10px 12px; gap: 10px; }
    .lender-mini img { height: 22px; width: 80px; }
    .lender-mini-info strong { font-size: 12px; }
    .lender-mini-info span { font-size: 10px; }
    .lender-mini .btn { font-size: 11px; padding: 5px 10px; }

    /* Misc */
    .featured-snippet { padding: 14px 16px; font-size: 14px; }
    .info-box, .warning-box { padding: 14px 16px; }
    .contact-grid { grid-template-columns: 1fr; gap: 24px; }
    .form-row { grid-template-columns: 1fr; }
    .sticky-bar { padding: 8px 0; }
    .sticky-bar-info strong { font-size: 13px; }
    .sticky-bar-info span { display: none; }

    /* Mobile nav */
    .mobile-nav { top: 60px; bottom: 0; }
}

/* ========================================
   Responsive — Small Mobile (480px)
   ======================================== */
@media (max-width: 480px) {
    .container { padding: 0 12px; }
    .hero { padding: 72px 0 32px; }
    .hero-content h1 { font-size: 22px; }
    .hero-sub { font-size: 13px; }
    .hero-card { padding: 16px; }
    .card-title { font-size: 17px; }
    .hero-pills { gap: 4px; }
    .pill { font-size: 10px; padding: 3px 7px; }
    .hero-trust { flex-direction: column; gap: 6px; }
    .trust-item { font-size: 11px; }

    .section-title { font-size: 19px; }
    .section-sub { font-size: 13px; }
    .stats-grid { gap: 10px; }
    .stat-number { font-size: 22px; }
    .step-card h3 { font-size: 16px; }

    .footer-grid { grid-template-columns: 1fr; }
    .footer-badges { flex-wrap: wrap; }

    .lender-logos { flex-direction: column; align-items: stretch; }
    .lender-logo-item { justify-content: center; }

    .page-hero h1 { font-size: 19px; }
    .page-content h2 { font-size: 17px; }
    .page-content p, .page-content li { font-size: 13px; }

    .oc-stat { flex-direction: column; align-items: flex-start; gap: 1px; }
    .oc-stat-label { font-size: 9px; }
    .oc-stat-value { font-size: 12px; }
    .oc-logo-img { height: 26px; }
    .oc-cta { font-size: 13px; padding: 10px 12px; }

    .lender-mini { gap: 8px; padding: 10px; }
    .lender-mini img { height: 20px; width: 70px; }
    .lender-mini-info span { font-size: 9px; }
    .lender-mini .btn { font-size: 10px; padding: 5px 8px; }

    .btn-lg { padding: 12px 18px; font-size: 14px; }
    .modal-close { width: 26px; height: 26px; font-size: 16px; }

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

/* ========================================
   Responsive — Extra Small (320px)
   ======================================== */
@media (max-width: 360px) {
    .container { padding: 0 10px; }
    .hero-content h1 { font-size: 20px; }
    .hero-card { padding: 14px; }
    .card-title { font-size: 16px; }
    .btn { font-size: 13px; padding: 10px 14px; }
    .btn-lg { font-size: 13px; padding: 11px 16px; }
    .btn-sm { font-size: 11px; padding: 6px 10px; }
    .logo { font-size: 17px; }
    .section-title { font-size: 18px; }
    .page-hero h1 { font-size: 18px; }
    .oc-cta { font-size: 12px; }
}