/* ============================================
   PANDA LOAN SITE — MAIN STYLESHEET
   Design: Cream & Sage Accent | Light, Modern, Readable
   ============================================ */

/* -- RESET & BASE -- */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --navy:#2A3E1A;--navy-light:#3D5A28;--green:#5A9A2E;--green-dark:#3B6D11;
  --green-light:#F1F8EC;--mint:#A0DC74;--cream:#FAF8F1;
  --gold:#F5A623;--white:#FFFFFF;--bg:#FAFCF7;
  --gray-100:#EFF2EA;--gray-200:#D8DECE;--gray-500:#7E8B70;--gray-600:#5C6B4F;
  --dark:#2A3E1A;--red:#E53935;--radius:10px;--radius-lg:16px;
  --shadow:0 2px 12px rgba(42,62,26,.06);--shadow-md:0 4px 24px rgba(42,62,26,.1);
  --font:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;
  --max-w:1140px;--transition:.18s ease;
}
html{scroll-behavior:smooth;font-size:16px}
body{font-family:var(--font);color:var(--dark);background:var(--bg);line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--green-dark);text-decoration:none;transition:color var(--transition)}
a:hover{color:var(--green)}
p{margin-bottom:1rem}
p:last-child{margin-bottom:0}
ul,ol{padding-left:1.4rem;margin-bottom:1rem}
li{margin-bottom:.35rem}
h1,h2,h3,h4,h5{font-weight:700;line-height:1.25;color:var(--dark);margin-bottom:.75rem}
h1{font-size:clamp(1.75rem,4vw,2.6rem)}
h2{font-size:clamp(1.4rem,3vw,2rem)}
h3{font-size:clamp(1.1rem,2.5vw,1.4rem)}
h4{font-size:1.1rem}
strong{font-weight:600}

/* -- LAYOUT -- */
.container{max-width:var(--max-w);margin:0 auto;padding:0 20px}
.section{padding:60px 0}
.section-sm{padding:40px 0}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:28px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}

/* -- TOPBAR -- */
.topbar{background:var(--green-light);padding:9px 0;text-align:center;font-size:13px;font-weight:600;color:var(--dark);letter-spacing:.02em}
.topbar a{color:var(--green-dark);text-decoration:underline}

/* -- HEADER -- */
.site-header{background:var(--white);padding:0;position:relative;border-bottom:1px solid var(--gray-100);box-shadow:0 1px 3px rgba(42,62,26,.04)}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:68px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none}
.logo-icon{width:38px;height:38px;background:var(--green-light);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:20px;flex-shrink:0;border:1px solid var(--gray-100)}
.logo-text{font-size:1.35rem;font-weight:800;color:var(--dark);letter-spacing:-.02em;line-height:1}
.logo-text span{color:var(--green)}
.logo-sub{display:none}
.site-nav{display:flex;align-items:center;gap:4px}
.site-nav a{color:var(--gray-600);font-size:.875rem;font-weight:500;padding:8px 14px;border-radius:8px;transition:all var(--transition)}
.site-nav a:hover,.site-nav a.active{color:var(--dark);background:var(--green-light)}
.nav-cta{background:var(--green)!important;color:var(--white)!important;font-weight:700!important;padding:9px 18px!important}
.nav-cta:hover{background:var(--green-dark)!important;color:var(--white)!important;transform:translateY(-1px);box-shadow:0 4px 12px rgba(90,154,46,.25)}
.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:8px;border:none;background:none}
.hamburger span{display:block;width:24px;height:2px;background:var(--dark);border-radius:2px;transition:all var(--transition)}
.hamburger[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.hamburger[aria-expanded="true"] span:nth-child(2){opacity:0}
.hamburger[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* -- HERO -- */
.hero{background:linear-gradient(135deg,var(--cream) 0%,var(--green-light) 100%);padding:70px 0 60px;position:relative;overflow:hidden;border-bottom:1px solid var(--gray-100)}
.hero::before{content:'';position:absolute;top:-40px;right:-60px;width:500px;height:500px;background:radial-gradient(circle,rgba(160,220,116,.15) 0%,transparent 65%);pointer-events:none}
.hero-badge{display:inline-flex;align-items:center;gap:6px;background:var(--white);border:1px solid var(--gray-100);color:var(--green-dark);font-size:.78rem;font-weight:600;padding:5px 12px;border-radius:99px;margin-bottom:18px;letter-spacing:.04em;box-shadow:var(--shadow)}
.hero h1{color:var(--dark);margin-bottom:14px;max-width:720px}
.hero h1 span{color:var(--green)}
.hero-sub{color:var(--gray-600);font-size:1.05rem;max-width:580px;margin-bottom:28px}
.hero-stats{display:flex;gap:32px;margin-top:32px;padding-top:28px;border-top:1px solid var(--gray-200)}
.hero-stat-val{font-size:1.6rem;font-weight:800;color:var(--green-dark);display:block}
.hero-stat-lbl{font-size:.8rem;color:var(--gray-600);display:block;margin-top:2px}
.hero-actions{display:flex;align-items:center;gap:16px;flex-wrap:wrap}

/* -- BUTTONS -- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 28px;border-radius:var(--radius);font-size:.95rem;font-weight:700;cursor:pointer;transition:all var(--transition);border:none;text-decoration:none;line-height:1}
.btn-primary{background:var(--green-dark);color:var(--white)}
.btn-primary:hover{background:var(--navy);color:var(--white);transform:translateY(-1px);box-shadow:0 6px 20px rgba(107,175,59,.3)}
.btn-outline{background:var(--white);color:var(--dark);border:2px solid var(--gray-200)}
.btn-outline:hover{border-color:var(--green);color:var(--green-dark);background:var(--green-light)}
.btn-navy{background:var(--navy);color:var(--white)}
.btn-navy:hover{background:var(--navy-light);color:var(--white)}
.btn-lg{padding:16px 36px;font-size:1.05rem}
.btn-sm{padding:9px 18px;font-size:.85rem}
.btn-full{width:100%}

/* -- RATING CARD -- */
.rating-card{background:var(--white);border-radius:var(--radius-lg);box-shadow:var(--shadow-md);padding:28px;border:2px solid var(--green)}
.rating-score{font-size:3rem;font-weight:900;color:var(--navy);line-height:1}
.rating-of{font-size:1rem;color:var(--gray-600);font-weight:400}
.stars{color:var(--gold);font-size:1.3rem;letter-spacing:2px;margin:8px 0 4px}
.rating-count{font-size:.82rem;color:var(--gray-600)}
.verdict-badge{display:inline-flex;align-items:center;gap:5px;background:var(--green-light);color:#007A4C;font-size:.8rem;font-weight:700;padding:5px 14px;border-radius:99px;margin-top:10px}

/* -- SUMMARY BOX -- */
.summary-box{background:var(--white);border-radius:var(--radius-lg);box-shadow:var(--shadow);padding:28px;border:1px solid var(--gray-100)}
.summary-grid{display:grid;grid-template-columns:1fr 1fr;gap:0;border:1px solid var(--gray-100);border-radius:var(--radius);overflow:hidden}
.summary-item{padding:14px 18px;border-right:1px solid var(--gray-100);border-bottom:1px solid var(--gray-100)}
.summary-item:nth-child(2n){border-right:none}
.summary-item:nth-last-child(-n+2){border-bottom:none}
.summary-label{font-size:.75rem;font-weight:600;color:var(--gray-600);text-transform:uppercase;letter-spacing:.05em;margin-bottom:4px}
.summary-val{font-size:.95rem;font-weight:700;color:var(--navy)}

/* -- CARDS -- */
.card{background:var(--white);border-radius:var(--radius-lg);box-shadow:var(--shadow);padding:24px;border:1px solid var(--gray-100)}
.card-icon{width:50px;height:50px;background:var(--green-light);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:22px;margin-bottom:14px}
.card h3{margin-bottom:8px}

/* -- PROS CONS -- */
.pros-cons{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.pros,.cons{background:var(--white);border-radius:var(--radius-lg);padding:22px;border:1px solid var(--gray-100)}
.pros{border-top:3px solid var(--green)}
.cons{border-top:3px solid var(--red)}
.pros h4{color:#007A4C;margin-bottom:12px}
.cons h4{color:var(--red);margin-bottom:12px}
.pros-cons-list{list-style:none;padding:0;margin:0}
.pros-cons-list li{padding:6px 0;font-size:.9rem;border-bottom:1px solid var(--gray-100);display:flex;align-items:flex-start;gap:8px}
.pros-cons-list li:last-child{border-bottom:none;padding-bottom:0}
.pros-cons-list .icon-check{color:var(--green);font-size:.9rem;flex-shrink:0;margin-top:2px}
.pros-cons-list .icon-x{color:var(--red);font-size:.9rem;flex-shrink:0;margin-top:2px}

/* -- STEPS -- */
.steps{counter-reset:step-counter}
.step{display:flex;gap:20px;padding:24px 0;border-bottom:1px solid var(--gray-100)}
.step:last-child{border-bottom:none}
.step-num{width:44px;height:44px;background:var(--navy);color:var(--white);border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:1.1rem;flex-shrink:0}
.step-content h3{margin-bottom:6px}
.step-content p{margin:0;color:var(--gray-600);font-size:.93rem}

/* -- TABLE -- */
.data-table{width:100%;border-collapse:collapse;background:var(--white);border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow)}
.data-table th{background:var(--navy);color:var(--white);padding:14px 18px;text-align:left;font-size:.85rem;font-weight:600;letter-spacing:.04em}
.data-table td{padding:14px 18px;border-bottom:1px solid var(--gray-100);font-size:.9rem;vertical-align:top}
.data-table tr:last-child td{border-bottom:none}
.data-table tr:nth-child(even) td{background:var(--gray-100)}
.data-table .label-col{font-weight:600;color:var(--navy);width:200px}

/* -- FAQ -- */
.faq-item{border:1px solid var(--gray-100);border-radius:var(--radius);background:var(--white);margin-bottom:10px;overflow:hidden}
.faq-q{width:100%;background:none;border:none;padding:18px 22px;text-align:left;font-weight:600;font-size:.95rem;color:var(--navy);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:12px}
.faq-q .toggle{width:22px;height:22px;background:var(--green-light);border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--green-dark);font-size:.9rem;flex-shrink:0;transition:all var(--transition)}
.faq-item.open .faq-q .toggle{background:var(--green);color:var(--white);transform:rotate(45deg)}
.faq-a{display:none;padding:0 22px 18px;font-size:.9rem;color:var(--gray-600);line-height:1.7}
.faq-item.open .faq-a{display:block}

/* -- ALERT BOX -- */
.alert{padding:16px 20px;border-radius:var(--radius);font-size:.9rem;margin-bottom:20px;display:flex;gap:12px;align-items:flex-start}
.alert-info{background:#EEF4FF;border:1px solid #BDD1FF;color:#1A3D8C}
.alert-warning{background:#FFF8E6;border:1px solid #FFD98C;color:#7A4F00}
.alert-success{background:var(--green-light);border:1px solid #99E4C8;color:#005C39}
.alert-icon{font-size:1.1rem;flex-shrink:0;margin-top:1px}

/* -- LOAN FORM SECTION -- */
.loan-form-section{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-light) 100%);padding:56px 0;position:relative}
.loan-form-section::before{content:'';position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%2300C47A' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E")}
.form-section-title{color:var(--white);text-align:center;margin-bottom:8px}
.form-section-sub{color:rgba(255,255,255,.7);text-align:center;margin-bottom:28px;font-size:.95rem}
.form-trust-badges{display:flex;justify-content:center;gap:20px;flex-wrap:wrap;margin-top:20px}
.form-trust-badge{display:flex;align-items:center;gap:6px;color:rgba(255,255,255,.7);font-size:.8rem}
.form-trust-badge::before{content:'✓';color:var(--green);font-weight:700}
.apidiamond-wrapper{max-width:700px;margin:0 auto;background:var(--white);border-radius:var(--radius-lg);padding:32px;box-shadow:0 8px 40px rgba(0,0,0,.25)}
.apidiamond-placeholder{background:var(--gray-100);border:2px dashed var(--gray-200);border-radius:var(--radius);padding:40px;text-align:center;color:var(--gray-600)}

/* -- CALCULATOR -- */
.calc-wrap{background:var(--white);border-radius:var(--radius-lg);box-shadow:var(--shadow-md);overflow:hidden;border:1px solid var(--gray-100)}
.calc-header{background:var(--navy);color:var(--white);padding:22px 28px}
.calc-header h2{color:var(--white);margin:0;font-size:1.3rem}
.calc-body{padding:28px}
.calc-field{margin-bottom:22px}
.calc-label{display:flex;justify-content:space-between;align-items:center;font-size:.85rem;font-weight:600;color:var(--navy);margin-bottom:8px}
.calc-value{font-size:1.1rem;font-weight:800;color:var(--green-dark)}
input[type=range]{width:100%;-webkit-appearance:none;height:6px;background:var(--gray-200);border-radius:3px;outline:none;cursor:pointer}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:20px;height:20px;background:var(--green);border-radius:50%;cursor:pointer;border:3px solid var(--white);box-shadow:0 2px 8px rgba(160,220,116,.4)}
.calc-select{width:100%;padding:12px 16px;border:1.5px solid var(--gray-200);border-radius:var(--radius);font-size:.95rem;color:var(--dark);background:var(--white);cursor:pointer;appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' fill='none'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%235A6A88' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center}
.calc-result{background:var(--navy);border-radius:var(--radius);padding:22px;margin-top:20px;text-align:center}
.calc-result-main{font-size:2.6rem;font-weight:900;color:var(--green);display:block}
.calc-result-label{color:rgba(255,255,255,.7);font-size:.85rem;margin-top:4px;display:block}
.calc-breakdown{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:16px}
.calc-break-item{background:rgba(255,255,255,.07);border-radius:8px;padding:12px;text-align:center}
.calc-break-val{display:block;font-size:1.1rem;font-weight:700;color:var(--white)}
.calc-break-lbl{display:block;font-size:.75rem;color:rgba(255,255,255,.6);margin-top:2px}
.amort-table{width:100%;border-collapse:collapse;font-size:.85rem;margin-top:16px}
.amort-table th{background:var(--gray-100);padding:10px 14px;text-align:left;font-weight:600;color:var(--navy);font-size:.8rem}
.amort-table td{padding:10px 14px;border-bottom:1px solid var(--gray-100);color:var(--dark)}
.amort-table tr:last-child td{border-bottom:none;font-weight:700}

/* -- COMPARISON TABLE -- */
.comp-table{width:100%;border-collapse:collapse;background:var(--white);border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow)}
.comp-table th{background:var(--navy);color:var(--white);padding:16px 18px;text-align:center;font-size:.85rem;font-weight:700}
.comp-table th:first-child{text-align:left}
.comp-table td{padding:14px 18px;border-bottom:1px solid var(--gray-100);text-align:center;font-size:.9rem}
.comp-table td:first-child{font-weight:600;color:var(--navy);text-align:left}
.comp-table tr:last-child td{border-bottom:none}
.comp-table .highlight-col{background:rgba(160,220,116,.06);font-weight:700;color:var(--green-dark)}
.comp-table .best{background:var(--green);color:var(--navy);font-size:.75rem;font-weight:700;padding:2px 8px;border-radius:99px;display:inline-block}
.comp-check{color:var(--green);font-size:1.1rem}
.comp-x{color:var(--red);font-size:1.1rem}

/* -- STAT BOXES -- */
.stat-boxes{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.stat-box{background:var(--white);border-radius:var(--radius-lg);padding:22px;text-align:center;box-shadow:var(--shadow);border:1px solid var(--gray-100)}
.stat-num{font-size:1.8rem;font-weight:900;color:var(--navy);display:block}
.stat-num span{color:var(--green)}
.stat-desc{font-size:.82rem;color:var(--gray-600);margin-top:4px;display:block}

/* -- TESTIMONIALS -- */
.testimonial{background:var(--white);border-radius:var(--radius-lg);padding:24px;box-shadow:var(--shadow);border:1px solid var(--gray-100);border-left:3px solid var(--green)}
.testimonial-text{font-style:italic;color:var(--gray-600);font-size:.93rem;margin-bottom:14px}
.testimonial-author{display:flex;align-items:center;gap:10px}
.testimonial-avatar{width:38px;height:38px;border-radius:50%;background:var(--navy);color:var(--white);font-weight:700;display:flex;align-items:center;justify-content:center;font-size:.85rem;flex-shrink:0}
.testimonial-name{font-weight:700;font-size:.9rem;color:var(--navy)}
.testimonial-detail{font-size:.78rem;color:var(--gray-500)}

/* -- BREADCRUMB -- */
.breadcrumb{background:var(--white);border-bottom:1px solid var(--gray-100);padding:12px 0}
.breadcrumb-nav{display:flex;align-items:center;gap:6px;font-size:.83rem;color:var(--gray-600);flex-wrap:wrap}
.breadcrumb-nav a{color:var(--green-dark)}
.breadcrumb-nav span{color:var(--gray-500)}

/* -- SIDEBAR -- */
.content-sidebar{display:grid;grid-template-columns:1fr 320px;gap:36px;align-items:start}
.sidebar-widget{background:var(--white);border-radius:var(--radius-lg);padding:22px;border:1px solid var(--gray-100);box-shadow:var(--shadow);margin-bottom:20px}
.sidebar-widget h4{font-size:.95rem;color:var(--navy);margin-bottom:14px;padding-bottom:10px;border-bottom:2px solid var(--green);display:inline-block}
.toc-list{list-style:none;padding:0;margin:0}
.toc-list li{padding:6px 0;border-bottom:1px solid var(--gray-100)}
.toc-list li:last-child{border-bottom:none}
.toc-list a{font-size:.88rem;color:var(--gray-600);display:flex;align-items:center;gap:6px}
.toc-list a::before{content:'›';color:var(--green);font-weight:700}
.toc-list a:hover{color:var(--green-dark)}

/* -- BLOG -- */
.blog-card{background:var(--white);border-radius:var(--radius-lg);box-shadow:var(--shadow);overflow:hidden;border:1px solid var(--gray-100);transition:all var(--transition)}
.blog-card:hover{transform:translateY(-3px);box-shadow:var(--shadow-md)}
.blog-card-body{padding:20px}
.blog-card-cat{display:inline-block;font-size:.72rem;font-weight:700;color:var(--green-dark);background:var(--green-light);padding:3px 10px;border-radius:99px;margin-bottom:10px;text-transform:uppercase;letter-spacing:.05em}
.blog-card h3{font-size:1.05rem;margin-bottom:8px;line-height:1.35}
.blog-card p{font-size:.88rem;color:var(--gray-600);margin-bottom:14px}
.blog-meta{font-size:.78rem;color:var(--gray-500)}

/* -- AUTHOR -- */
.author-box{background:var(--white);border-radius:var(--radius-lg);padding:24px;border:1px solid var(--gray-100);display:flex;gap:18px;align-items:flex-start}
.author-avatar{width:70px;height:70px;border-radius:50%;background:var(--navy);display:flex;align-items:center;justify-content:center;color:var(--white);font-size:1.6rem;flex-shrink:0;border:3px solid var(--green)}
.author-name{font-weight:700;font-size:1rem;color:var(--navy)}
.author-title{font-size:.82rem;color:var(--green-dark);font-weight:600;margin-top:2px}
.author-bio{font-size:.88rem;color:var(--gray-600);margin-top:8px;line-height:1.6}

/* -- CTA BANNER -- */
.cta-banner{background:linear-gradient(135deg,var(--navy),var(--navy-light));padding:56px 0;text-align:center}
.cta-banner h2{color:var(--white);margin-bottom:10px}
.cta-banner p{color:rgba(255,255,255,.75);margin-bottom:28px;font-size:1rem}
.cta-mini-trust{display:flex;justify-content:center;gap:24px;flex-wrap:wrap;margin-top:18px}
.cta-mini-trust span{color:rgba(255,255,255,.65);font-size:.82rem;display:flex;align-items:center;gap:5px}
.cta-mini-trust span::before{content:'✓';color:var(--green)}

/* -- FOOTER -- */
.site-footer{background:var(--navy);color:rgba(255,255,255,.78);padding:48px 0 24px}
.site-footer .logo-text{color:var(--white)}
.site-footer .logo-text span{color:var(--mint)}
.site-footer .logo-icon{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.15)}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:36px;margin-bottom:40px}
.footer-brand .logo{margin-bottom:14px}
.footer-brand p{font-size:.85rem;line-height:1.7;color:rgba(255,255,255,.65);max-width:280px}
.footer-col h5{color:var(--white);font-size:.9rem;font-weight:700;margin-bottom:14px;letter-spacing:.03em}
.footer-links{list-style:none;padding:0;margin:0}
.footer-links li{margin-bottom:8px}
.footer-links a{color:rgba(255,255,255,.7);font-size:.85rem;transition:color var(--transition)}
.footer-links a:hover{color:var(--mint)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:22px;display:flex;justify-content:space-between;align-items:flex-start;gap:20px;flex-wrap:wrap}
.footer-bottom-links{display:flex;gap:20px;flex-wrap:wrap}
.footer-bottom-links a{color:rgba(255,255,255,.6);font-size:.8rem;transition:color var(--transition)}
.footer-bottom-links a:hover{color:var(--mint)}
.footer-legal{font-size:.75rem;color:rgba(255,255,255,.35);line-height:1.6;max-width:700px}
.footer-disclaimer{background:rgba(160,220,116,.06);border-radius:var(--radius);padding:18px;margin-bottom:24px;font-size:.78rem;color:rgba(255,255,255,.55);line-height:1.7;border:1px solid rgba(160,220,116,.12)}

/* -- SECTION LABELS -- */
.section-label{font-size:.78rem;font-weight:700;color:var(--green-dark);text-transform:uppercase;letter-spacing:.1em;margin-bottom:8px;display:block}
.section-sub{color:var(--gray-600);font-size:.97rem;margin-top:-4px;margin-bottom:28px}

/* -- TRUST BAR -- */
.trust-bar{background:var(--white);border-bottom:1px solid var(--gray-100);padding:14px 0}
.trust-bar-inner{display:flex;align-items:center;justify-content:center;gap:32px;flex-wrap:wrap}
.trust-item{display:flex;align-items:center;gap:7px;font-size:.83rem;color:var(--gray-600);font-weight:500}
.trust-icon{font-size:1rem;color:var(--green)}

/* -- TAG -- */
.tag{display:inline-block;background:var(--green-light);color:var(--green-dark);font-size:.75rem;font-weight:600;padding:3px 10px;border-radius:99px}
.tag-navy{background:var(--navy);color:var(--white)}

/* -- SCORE BAR -- */
.score-row{display:flex;align-items:center;gap:12px;margin-bottom:12px}
.score-label{font-size:.85rem;font-weight:600;color:var(--dark);min-width:140px}
.score-bar{flex:1;height:8px;background:var(--gray-100);border-radius:4px;overflow:hidden}
.score-fill{height:8px;background:linear-gradient(90deg,var(--green-dark),var(--green));border-radius:4px;transition:width .8s ease}
.score-num{font-size:.85rem;font-weight:700;color:var(--navy);min-width:34px;text-align:right}

/* -- UTILS -- */
.text-center{text-align:center}
.text-green{color:var(--green-dark)}
.text-navy{color:var(--navy)}
.text-muted{color:var(--gray-600)}
.text-sm{font-size:.875rem}
.text-xs{font-size:.78rem}
.mt-4{margin-top:1rem} .mt-8{margin-top:2rem} .mt-6{margin-top:1.5rem}
.mb-4{margin-bottom:1rem} .mb-6{margin-bottom:1.5rem} .mb-8{margin-bottom:2rem}
.font-bold{font-weight:700}
.bg-gray{background:var(--bg)}
.bg-white{background:var(--white)}
.divider{border:none;border-top:1px solid var(--gray-100);margin:32px 0}

/* ============================================
   RESPONSIVE — Mobile, Tablet, Desktop
   Breakpoints: 1024 (tablet) · 768 (mobile-lg) · 480 (mobile-sm)
   ============================================ */

/* === TABLET (≤1024px) === */
@media(max-width:1024px){
  .container{padding:0 24px}
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .grid-3{grid-template-columns:repeat(2,1fr)}
  .stat-boxes{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr;gap:28px}
  .content-sidebar{grid-template-columns:1fr;gap:32px}
  .hero .container>div{grid-template-columns:1fr!important;gap:32px!important}
  .hero-card-desktop{max-width:440px;margin:0 auto;width:100%!important}
  .section{padding:52px 0}

  /* Eligibility Calculator */
  #eligibility .container>div:last-child{grid-template-columns:1fr!important}
  #eligibility .container>div:last-child>div:last-child{position:static!important}

  /* How It Works — 3 step → still side by side on tablet but tighter */
  #how-it-works .container>div:nth-child(2){grid-template-columns:1fr!important;gap:20px}
  #how-it-works .container>div:nth-child(2)>div:first-child{display:none}

  /* Trust signals */
  #expert-review [style*="repeat(4,1fr)"]{grid-template-columns:repeat(2,1fr)!important}
  #expert-review [style*="repeat(5,1fr)"]{grid-template-columns:repeat(5,1fr)!important}
  #expert-review .grid-3{grid-template-columns:repeat(2,1fr)!important}
  #faq-eeat{grid-template-columns:1fr!important}

  /* Trustpilot summary */
  #reviews [style*="auto 1fr"]{grid-template-columns:1fr!important;gap:24px!important}
  #reviews [style*="auto 1fr"]>div:first-child{border-right:none!important;padding-right:0!important;padding-bottom:20px;border-bottom:1px solid var(--gray-100)}

  /* Loan service sections - stack on tablet too for better readability */
  #personal-loans .container>div,
  #installment-loans .container>div,
  #short-term-loans .container>div{grid-template-columns:1fr!important;gap:36px!important;max-width:600px;margin:0 auto}
  #installment-loans .container>div>div:first-child{order:2}
  #installment-loans .container>div>div:last-child{order:1}

  /* Loan form section */
  .loan-form-section{padding:48px 0}
}

/* === MOBILE LARGE (≤768px) === */
@media(max-width:768px){
  :root{--max-w:100%}
  .container{padding:0 18px}
  .section{padding:40px 0}

  /* Typography scale */
  h1{font-size:clamp(1.45rem,5vw,1.85rem)!important;line-height:1.25}
  h2{font-size:clamp(1.3rem,4.5vw,1.6rem)!important;line-height:1.3}
  h3{font-size:clamp(1.05rem,4vw,1.2rem)!important}

  /* Grid collapse */
  .grid-2,.grid-3,.grid-4,.pros-cons{grid-template-columns:1fr;gap:18px}
  .stat-boxes{grid-template-columns:1fr 1fr;gap:12px}

  /* Hero */
  .hero{padding:36px 0 36px!important}
  .hero-stats{gap:14px;grid-template-columns:1fr 1fr;display:grid!important}
  .hero-stats>div{padding:12px;background:rgba(255,255,255,.5);border-radius:var(--radius);border:1px solid var(--gray-100)}
  .hero-stat-val{font-size:1.3rem!important}
  .hero-actions{flex-direction:column;align-items:stretch}
  .hero-actions .btn{width:100%;justify-content:center}

  /* Mobile nav — hamburger system */
  .site-nav{display:none;position:fixed;top:68px;left:0;right:0;background:var(--white);padding:16px;flex-direction:column;gap:4px;border-top:1px solid var(--gray-100);box-shadow:0 4px 20px rgba(42,62,26,.08);z-index:999;max-height:calc(100vh - 68px);overflow-y:auto}
  .site-nav.open{display:flex}
  .site-nav a{width:100%;padding:14px 16px;font-size:.95rem;border-radius:8px;color:var(--dark)!important}
  .site-nav a:hover{background:var(--green-light)!important}
  .site-nav a.nav-cta{margin-top:8px;text-align:center;font-size:1rem!important;padding:14px 16px!important;color:var(--white)!important;background:var(--green)!important}
  .site-nav a.nav-cta:hover{background:var(--green-dark)!important;color:var(--white)!important}
  .hamburger{display:flex}
  .hamburger span{background:var(--dark)!important}

  /* Footer */
  .footer-grid{grid-template-columns:1fr;gap:24px}
  .footer-bottom{flex-direction:column;align-items:flex-start;gap:14px}
  .footer-bottom-links{gap:14px}

  /* Summary section */
  .summary-grid{grid-template-columns:1fr}
  .summary-item{border-right:none!important;border-bottom:1px solid var(--gray-100);padding-bottom:20px;margin-bottom:20px}
  .summary-item:last-child{border-bottom:none;padding-bottom:0;margin-bottom:0}

  /* Calculator */
  .calc-breakdown{grid-template-columns:1fr}

  /* Eligibility Calculator */
  #eligibility .elig-question>div[style*="grid-template-columns"]{grid-template-columns:1fr!important}
  .elig-opt-wide{padding:12px 14px!important}
  .elig-opt-label{font-size:.88rem!important}
  .elig-opt-hint{font-size:.72rem!important}

  /* How It Works */
  #how-it-works .container>div:nth-child(2){grid-template-columns:1fr!important;gap:16px!important;max-width:520px;margin-left:auto;margin-right:auto}
  #how-it-works .container>div:nth-child(2)>div{margin:0!important}

  /* Expert Review trust signals */
  #expert-review .grid-3{grid-template-columns:1fr!important;gap:16px}
  #expert-review [style*="repeat(4,1fr)"]{grid-template-columns:1fr 1fr!important;gap:10px!important}
  #expert-review [style*="repeat(5,1fr)"]{grid-template-columns:repeat(3,1fr)!important;gap:10px!important}
  #expert-review [style*="repeat(5,1fr)"]>div:nth-child(4),
  #expert-review [style*="repeat(5,1fr)"]>div:nth-child(5){grid-column:auto}
  #expert-review [style*="padding:36px 40px"]{padding:24px 18px!important}
  #expert-review [style*="padding:36px 40px"] h3{font-size:1.05rem!important}

  /* Editorial process bar */
  #expert-review [style*="repeat(5,1fr)"] [style*="font-size:1.1rem"]{font-size:.95rem!important}
  #expert-review [style*="repeat(5,1fr)"] [style*="width:44px;height:44px"]{width:36px!important;height:36px!important;font-size:.95rem!important}

  /* Reviews/Trustpilot grids */
  #reviews .grid-2{grid-template-columns:1fr!important;gap:14px}
  #reviews [style*="padding:32px"]{padding:22px!important}

  /* Service section cards */
  #personal-loans [style*="grid-template-columns:1fr 1fr;gap:12px"],
  #installment-loans [style*="grid-template-columns:1fr 1fr;gap:12px"],
  #short-term-loans [style*="grid-template-columns:1fr 1fr;gap:12px"]{grid-template-columns:1fr 1fr!important}

  /* Touch targets — buttons */
  .btn{min-height:44px;padding:12px 24px}
  .btn-lg{min-height:52px;padding:15px 28px;font-size:1rem}
  .btn-sm{min-height:40px}
  .nav-cta{min-height:44px!important}

  /* CTA banner */
  .cta-banner{padding:40px 0!important}
  .cta-banner h2{font-size:1.5rem!important}

  /* Topbar — make smaller on mobile */
  .topbar{font-size:.75rem;padding:7px 0}

  /* Header tightening */
  .header-inner{height:60px}
  .logo-text{font-size:1.15rem}
  .logo-icon{width:34px;height:34px}
}

/* === MOBILE SMALL (≤480px) === */
@media(max-width:480px){
  .container{padding:0 14px}
  .section{padding:32px 0}

  /* Typography */
  h1{font-size:1.55rem!important}
  h2{font-size:1.3rem!important}
  h3{font-size:1.05rem!important}
  body{font-size:.95rem}

  /* Stats grid for hero */
  .stat-boxes{grid-template-columns:1fr 1fr;gap:8px}
  .hero-stats{gap:10px!important}
  .hero-stat-val{font-size:1.1rem!important}
  .hero-stat-lbl{font-size:.7rem!important}

  /* Trust bar */
  .trust-bar-inner{gap:10px}
  .trust-bar-inner>*{font-size:.75rem}

  /* Trust badges */
  .form-trust-badges{flex-direction:column;align-items:center;gap:8px}
  .form-trust-badge{font-size:.78rem}

  /* Eligibility — smaller cards */
  .elig-opt{padding:11px 9px!important}
  .elig-opt-label{font-size:.82rem!important}
  .elig-opt-hint{font-size:.7rem!important}
  .elig-opt-icon{font-size:1.2rem!important}

  /* Reviews shrink */
  #reviews .grid-2 [style*="padding:22px"]{padding:16px!important}

  /* Expert review trust signals — single col on smallest */
  #expert-review [style*="repeat(4,1fr)"]{grid-template-columns:1fr 1fr!important}
  #expert-review [style*="repeat(5,1fr)"]{grid-template-columns:1fr 1fr!important;gap:8px!important}
  #expert-review [style*="repeat(5,1fr)"]>div:nth-child(5){grid-column:1/-1}

  /* Service section padding */
  .service-card,.service-image{padding:14px!important}

  /* Footer logo smaller */
  .footer-brand .logo-text{font-size:.95rem!important}

  /* Smaller margins on widgets */
  .loan-form-section{padding:32px 0}

  /* Reduce shadow blur on small screens (perf) */
  .shadow,.shadow-md{box-shadow:0 2px 8px rgba(42,62,26,.06)!important}
}

/* === ACCESSIBILITY === */
@media(prefers-reduced-motion:reduce){
  *,*::before,*::after{transition:none!important;animation:none!important;scroll-behavior:auto!important}
}

/* === PRINT === */
@media print{
  .topbar,.site-header,.site-footer,.cta-banner,.loan-form-section,.hamburger,#apply,#eligibility,#how-it-works{display:none}
  .container{max-width:100%;padding:0}
  body{background:white;color:black;font-size:11pt}
  a{color:black;text-decoration:underline}
}

/* ====================================================
   v2: STICKY CTA BAR
   ==================================================== */
.sticky-cta{
  position:fixed;left:0;right:0;bottom:0;z-index:9998;
  background:rgba(42,62,26,.97);color:#FAFCF7;
  backdrop-filter:saturate(180%) blur(10px);
  -webkit-backdrop-filter:saturate(180%) blur(10px);
  padding:11px 16px;
  box-shadow:0 -4px 24px rgba(0,0,0,.18);
  transform:translateY(100%);
  transition:transform .35s cubic-bezier(.4,0,.2,1);
  border-top:1px solid rgba(160,220,116,.25)
}
.sticky-cta.visible{transform:translateY(0)}
.sticky-cta-inner{
  max-width:1100px;margin:0 auto;
  display:flex;align-items:center;justify-content:space-between;gap:12px
}
.sticky-cta-left{display:flex;align-items:center;gap:11px}
.sticky-cta-icon{
  width:36px;height:36px;border-radius:50%;
  background:#5A9A2E;display:flex;align-items:center;justify-content:center;
  flex-shrink:0;overflow:hidden;
  box-shadow:0 2px 8px rgba(0,0,0,.2)
}
.sticky-cta-icon img{
  width:24px;height:24px;border-radius:50%;display:block;
  background:#fff
}
.sticky-cta-title{font-size:.92rem;font-weight:700;line-height:1.2;color:#FAFCF7}
.sticky-cta-sub{font-size:.72rem;color:#A0DC74;opacity:.85;margin-top:2px}
.sticky-cta-btn{
  background:#5A9A2E;color:#fff;text-decoration:none;
  padding:11px 22px;border-radius:8px;font-weight:700;font-size:.9rem;
  display:inline-flex;align-items:center;gap:6px;
  transition:all .2s;white-space:nowrap;
  box-shadow:0 4px 14px rgba(160,220,116,.4)
}
.sticky-cta-btn:hover{background:#3B6D11;transform:translateY(-1px);box-shadow:0 6px 20px rgba(160,220,116,.55)}
.sticky-cta-btn span{transition:transform .2s}
.sticky-cta-btn:hover span{transform:translateX(3px)}
@media (max-width:480px){
  .sticky-cta{padding:9px 12px}
  .sticky-cta-icon{width:32px;height:32px}
  .sticky-cta-icon img{width:20px;height:20px}
  .sticky-cta-title{font-size:.84rem}
  .sticky-cta-sub{font-size:.68rem}
  .sticky-cta-btn{padding:9px 16px;font-size:.82rem}
}

/* Push footer above sticky CTA so it's not hidden */
body{padding-bottom:80px}
@media (max-width:480px){body{padding-bottom:74px}}

/* ====================================================
   v2: MINI CALCULATOR (homepage hero)
   ==================================================== */
.mini-calc-widget{
  background:#fff;border-radius:14px;padding:18px 16px;
  border:1px solid rgba(160,220,116,.5);
  box-shadow:0 8px 28px rgba(42,62,26,.1)
}
.mini-calc-title{font-size:.85rem;font-weight:700;color:#2A3E1A;margin-bottom:10px;display:flex;align-items:center;gap:6px}
.mini-calc-controls{display:flex;flex-direction:column;gap:11px;margin-bottom:14px}
.mini-calc-row{display:flex;align-items:center;justify-content:space-between;gap:10px;font-size:.82rem;color:#444}
.mini-calc-row label{font-weight:600}
.mini-calc-row input[type=range]{flex:1;accent-color:#5A9A2E;max-width:200px}
.mini-calc-row select{
  background:#F1F8EC;border:1px solid #C0DD97;border-radius:6px;
  padding:5px 10px;color:#3B6D11;font-weight:600;font-size:.82rem;cursor:pointer
}
.mini-calc-result{
  background:linear-gradient(135deg,#F1F8EC,#EAF3DE);
  border-radius:10px;padding:13px;
  display:grid;grid-template-columns:1fr 1fr;gap:8px;
  border:1px solid rgba(160,220,116,.4)
}
.mini-calc-cell{text-align:center}
.mini-calc-label{font-size:.66rem;color:#5F5E5A;font-weight:600;letter-spacing:.04em;text-transform:uppercase;margin-bottom:2px}
.mini-calc-value{font-size:1.05rem;font-weight:800;color:#2A3E1A}
.mini-calc-apr{font-size:.7rem;color:#A32D2D;margin-top:6px;text-align:center}

/* ====================================================
   v2: COMPARISON SLIDER WIDGET
   ==================================================== */
.comparison-widget{
  background:#fff;border-radius:14px;padding:24px;
  border:1px solid var(--gray-100);
  box-shadow:0 4px 16px rgba(42,62,26,.05)
}
.comp-header{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px;margin-bottom:18px}
.comp-amt-display{font-size:1.4rem;font-weight:800;color:#5A9A2E}
.comp-slider-wrap{margin-bottom:20px}
.comp-slider-wrap input[type=range]{width:100%;accent-color:#5A9A2E}
.comp-slider-labels{display:flex;justify-content:space-between;font-size:.7rem;color:#888;margin-top:4px}
.comp-table{width:100%;border-collapse:collapse;font-size:.85rem}
.comp-table th{
  background:#F1F8EC;color:#3B6D11;font-weight:700;
  padding:10px 12px;text-align:left;font-size:.72rem;
  letter-spacing:.04em;text-transform:uppercase
}
.comp-table td{padding:11px 12px;border-bottom:1px solid var(--gray-100)}
.comp-row.highlight td{background:#FFF8E6}
.comp-row td:first-child{font-weight:700;color:#2A3E1A}
.comp-total{font-weight:800;color:#A32D2D}
.comp-row.lowest .comp-total{color:#3B6D11}
.comp-apr{font-weight:700}
.comp-note{font-size:.72rem;color:#888;font-style:italic}

/* ====================================================
   v2: APR VISUALIZER (Bar chart)
   ==================================================== */
.apr-viz-widget{
  background:#fff;border-radius:14px;padding:24px;
  border:1px solid var(--gray-100);
  box-shadow:0 4px 16px rgba(42,62,26,.05)
}
.viz-header{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px;margin-bottom:8px}
.viz-amt-display{font-size:1.2rem;font-weight:800;color:#5A9A2E}
.viz-slider-wrap{margin-bottom:20px}
.viz-slider-wrap input[type=range]{width:100%;accent-color:#5A9A2E}
.viz-chart{
  display:grid;grid-template-columns:repeat(5,1fr);gap:10px;
  height:200px;align-items:end;
  padding:0 8px;border-bottom:2px solid var(--gray-200);margin-bottom:12px
}
.viz-col{display:flex;flex-direction:column;align-items:center;height:100%;justify-content:flex-end}
.viz-bar{
  width:100%;max-width:60px;background:linear-gradient(180deg,#A0DC74,#5A9A2E);
  border-radius:6px 6px 0 0;min-height:8px;
  transition:height .4s cubic-bezier(.4,0,.2,1);
  position:relative
}
.viz-bar:last-of-type{background:linear-gradient(180deg,#F5A623,#D85A30)}
.viz-bar:nth-of-type(4){background:linear-gradient(180deg,#F5A623,#993C1D)}
.viz-total{font-size:.72rem;font-weight:700;color:#2A3E1A;margin-bottom:4px}
.viz-x-axis{display:grid;grid-template-columns:repeat(5,1fr);gap:10px;font-size:.72rem;color:#5F5E5A;text-align:center;font-weight:600;padding:0 8px}
.viz-insight{
  background:#FFF8E6;border-left:3px solid #F5A623;
  padding:11px 14px;border-radius:0 6px 6px 0;
  font-size:.82rem;color:#5A4500;margin-top:14px;line-height:1.5
}

/* ====================================================
   v2: HERO TRUST BADGES (Enhanced)
   ==================================================== */
.trust-badges-row{
  display:flex;flex-wrap:wrap;gap:8px;margin-top:14px;align-items:center
}
.trust-badge{
  background:#fff;border:1px solid var(--gray-100);
  border-radius:8px;padding:6px 11px;
  display:inline-flex;align-items:center;gap:6px;
  font-size:.72rem;color:#5F5E5A;font-weight:600;
  transition:all .2s
}
.trust-badge:hover{border-color:#5A9A2E;color:#3B6D11;transform:translateY(-1px)}
.trust-badge-icon{color:#5A9A2E;font-size:.95rem}

/* ====================================================
   v2: MICRO ANIMATIONS
   ==================================================== */
@keyframes fadeUp{from{opacity:0;transform:translateY(12px)}to{opacity:1;transform:translateY(0)}}
@keyframes pulse-soft{0%,100%{transform:scale(1)}50%{transform:scale(1.04)}}

.hero-stat-val{display:inline-block}
.btn-primary:not(.no-pulse){animation:pulse-soft 2.4s ease-in-out infinite}

/* Section entrance animation (only when prefers-reduced-motion is not set) */
@media (prefers-reduced-motion:no-preference){
  .section{animation:fadeUp .5s ease-out}
}



/* ====================================================
   Skip-to-content link (a11y)
   ==================================================== */
.skip-link{
  position:absolute;left:-9999px;top:0;
  background:#2A3E1A;color:#fff;
  padding:11px 18px;border-radius:0 0 6px 0;
  font-weight:700;text-decoration:none;
  z-index:10000;
}
.skip-link:focus{left:0;outline:3px solid #5A9A2E}

.related-card{cursor:pointer}
.related-card:hover{border-color:#5A9A2E !important;transform:translateY(-2px);box-shadow:0 6px 18px rgba(42,62,26,.08)}

/* H3 used for card titles — visual matches former H4 sizing */
.card h3, .stat-box h3, .related-card h3, .feature-card h3, .step-content h3,
[class*="card"] h3{font-size:1rem;font-weight:700;margin:0 0 6px;line-height:1.3}

/* v2.1: Sticky CTA — handle longer title text */
.sticky-cta-title{
  white-space:normal;line-height:1.2;
  display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;
  overflow:hidden;max-width:100%
}
@media (max-width:480px){
  .sticky-cta-title{font-size:.78rem}
  .sticky-cta-btn{padding:8px 12px;font-size:.78rem}
  .sticky-cta-sub{font-size:.66rem}
}
@media (max-width:360px){
  .sticky-cta-sub{display:none}
}