:root {
    --primary: #6907f1;
    --primary-dark: #4d05b0;
    --primary-soft: #f1e9ff;
    --secondary: #51f58d;
    --secondary-dark: #2dd16e;
    --white: #ffffff;
    --ink: #0f0a1f;
    --ink-soft: #5a5570;
    --line: #ece9f4;
    --bg-soft: #faf9ff;
  }

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

  html { scroll-behavior: smooth; scroll-padding-top: 80px; }

  body {
    font-family: 'Jokker', system-ui, sans-serif;
    background: var(--white);
    color: var(--ink);
    line-height: 1.55;
    -webkit-font-smoothing: antialiased;
    overflow-x: hidden;
  }

  .container {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 32px;
  }

  /* ─────────── HERO ─────────── */
  .hero {
    position: relative;
    padding: 100px 0 120px;
    background: var(--white);
    overflow: hidden;
  }

  .hero::before,
  .hero::after {
    content: "";
    position: absolute;
    border-radius: 50%;
    filter: blur(90px);
    z-index: 0;
    pointer-events: none;
  }

  .hero::before {
    width: 500px; height: 500px;
    background: var(--primary);
    opacity: 0.18;
    top: -150px; right: -100px;
    animation: blob 18s ease-in-out infinite;
  }

  .hero::after {
    width: 380px; height: 380px;
    background: var(--secondary);
    opacity: 0.22;
    bottom: -120px; left: -80px;
    animation: blob 22s ease-in-out infinite reverse;
  }

  @keyframes blob {
    0%, 100% { transform: translate(0,0) scale(1); }
    50%      { transform: translate(40px,-30px) scale(1.15); }
  }

  .hero-grid {
    position: relative;
    z-index: 2;
    display: grid;
    grid-template-columns: 1.05fr 1fr;
    gap: 60px;
    align-items: center;
  }

  .pill {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: var(--primary-soft);
    color: var(--primary);
    padding: 8px 16px;
    border-radius: 999px;
    font-size: 0.85rem;
    font-weight: 600;
    margin-bottom: 24px;
    animation: fadeUp 0.6s ease-out;
  }

  .pill .dot {
    width: 8px; height: 8px;
    background: var(--secondary-dark);
    border-radius: 50%;
    box-shadow: 0 0 0 4px rgba(81,245,141,0.25);
    animation: pulse 1.8s ease-in-out infinite;
  }

  @keyframes pulse {
    0%,100% { box-shadow: 0 0 0 4px rgba(81,245,141,0.25); }
    50%     { box-shadow: 0 0 0 8px rgba(81,245,141,0.08); }
  }

  h1.hero-title {
    font-size: clamp(2.4rem, 4vw, 3.2rem);
    font-weight: 800;
    line-height: 1.05;
    letter-spacing: -0.03em;
    margin-bottom: 22px;
  }

  h1.hero-title .word {
    display: inline-block;
    opacity: 0;
    transform: translateY(30px);
    animation: fadeUp 0.7s ease-out forwards;
  }

  h1.hero-title .word:nth-child(1) { animation-delay: 0.05s; }
  h1.hero-title .word:nth-child(2) { animation-delay: 0.15s; }
  h1.hero-title .word:nth-child(3) { animation-delay: 0.25s; }
  h1.hero-title .word:nth-child(4) { animation-delay: 0.35s; color: var(--primary); }
  h1.hero-title .word:nth-child(5) { animation-delay: 0.45s; color: var(--primary); }

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

  .hero-sub {
    font-size: 1rem;
    color: var(--ink-soft);
    max-width: 600px;
    margin-bottom: 36px;
    opacity: 0;
    animation: fadeUp 0.7s ease-out 0.55s forwards;
  }

  .cta-row {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
    opacity: 0;
    animation: fadeUp 0.7s ease-out 0.7s forwards;
  }

  .btn {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 17px 32px;
    border-radius: 999px;
    font-weight: 600;
    font-size: 1.02rem;
    text-decoration: none;
    border: none;
    cursor: pointer;
    transition: transform 0.25s ease, box-shadow 0.25s ease, background 0.25s ease;
    font-family: inherit;
  }

  .btn-primary {
    background: var(--primary);
    color: var(--white);
  }
  .btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 14px 32px rgba(105,7,241,0.35);
    background: var(--primary-dark);
  }

  .btn-ghost {
    background: var(--white);
    color: var(--ink);
    border: 1.5px solid var(--line);
  }
  .btn-ghost:hover {
    border-color: var(--ink);
    transform: translateY(-2px);
  }

  .trust-row {
    display: flex;
    align-items: center;
    gap: 24px;
    margin-top: 40px;
    opacity: 0;
    animation: fadeUp 0.7s ease-out 0.85s forwards;
  }

  .stars { color: #ffb800; font-size: 1.1rem; letter-spacing: 2px; }

  .trust-text {
    font-size: 0.92rem;
    color: var(--ink-soft);
  }
  .trust-text strong { color: var(--ink); }

  /* Hero illustration */
  .hero-visual {
    position: relative;
    height: 560px;
    display: flex;
    align-items: center;
    justify-content: center;
  }

  .phone {
    position: relative;
    width: 280px;
    height: 540px;
    z-index: 3;
    animation: phoneFloat 6s ease-in-out infinite;
    filter: drop-shadow(0 30px 60px rgba(105,7,241,0.25));
    will-change: transform;
  }
  @keyframes phoneFloat {
    0%,100% { transform: translateY(0) rotate(-2deg); }
    50%     { transform: translateY(-18px) rotate(-2deg); }
  }

  .deco {
    position: absolute;
    z-index: 4;
    will-change: transform;
  }

  .deco-coin {
    top: 40px; left: 10px;
    width: 90px; height: 90px;
    animation: spin 9s linear infinite, drift 7s ease-in-out infinite;
    filter: drop-shadow(0 12px 24px rgba(255,184,0,0.35));
  }
  @keyframes spin { to { transform: rotate(360deg); } }
  @keyframes drift {
    0%,100% { translate: 0 0; }
    50%     { translate: 0 -14px; }
  }

  .deco-coin-2 {
    bottom: 60px; right: 20px;
    width: 70px; height: 70px;
    animation: spin 12s linear infinite reverse, drift 8s ease-in-out infinite 1s;
    filter: drop-shadow(0 12px 24px rgba(255,184,0,0.35));
  }

  .deco-notif {
    top: 90px; right: 0;
    width: 230px;
    background: var(--white);
    border-radius: 16px;
    padding: 14px 16px;
    box-shadow: 0 18px 40px rgba(15,10,31,0.12);
    display: flex;
    align-items: center;
    gap: 12px;
    animation: cardFloat 5s ease-in-out infinite 0.5s;
    border: 1px solid var(--line);
  }
  .deco-notif .ico {
    width: 38px; height: 38px;
    border-radius: 10px;
    background: var(--secondary);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    color: var(--ink);
    font-weight: 800;
  }
  .deco-notif .t1 { font-size: 0.78rem; color: var(--ink-soft); }
  .deco-notif .t2 { font-size: 0.95rem; font-weight: 700; color: var(--ink); letter-spacing: -0.01em; }

  @keyframes cardFloat {
    0%,100% { transform: translateY(0); }
    50%     { transform: translateY(-12px); }
  }

  .deco-rating {
    bottom: 80px; left: 0;
    background: var(--white);
    border-radius: 14px;
    padding: 12px 16px;
    box-shadow: 0 18px 40px rgba(15,10,31,0.12);
    border: 1px solid var(--line);
    animation: cardFloat 5s ease-in-out infinite 1.5s;
  }
  .deco-rating .rstars { color: #ffb800; letter-spacing: 2px; font-size: 0.85rem; }
  .deco-rating .rtxt { font-size: 0.82rem; color: var(--ink-soft); margin-top: 2px; }
  .deco-rating .rtxt strong { color: var(--ink); }

  .deco-confetti {
    position: absolute;
    border-radius: 50%;
    z-index: 1;
  }
  .c1 { top: 30px; left: 50%; width: 12px; height: 12px; background: var(--secondary); animation: drift 4s ease-in-out infinite; }
  .c2 { top: 200px; left: 8%; width: 8px; height: 8px; background: var(--primary); animation: drift 5s ease-in-out infinite 1s; }
  .c3 { bottom: 30px; right: 35%; width: 10px; height: 10px; background: #ffb800; animation: drift 6s ease-in-out infinite 2s; }
  .c4 { top: 60%; right: 5%; width: 6px; height: 6px; background: var(--primary); animation: drift 4.5s ease-in-out infinite 0.5s; }

  /* Legacy float-card styles kept for safety */
  .float-card {
    position: absolute;
    background: var(--white);
    border-radius: 22px;
    padding: 22px;
    box-shadow: 0 25px 60px rgba(15,10,31,0.10);
    border: 1px solid var(--line);
    display: none;
  }

  .fc-1 {
    top: 20px; right: 30px;
    width: 290px;
    animation-delay: 0s;
  }

  .fc-2 {
    top: 220px; left: 0;
    width: 260px;
    animation-delay: 1.8s;
    background: var(--primary);
    color: var(--white);
    border: none;
    box-shadow: 0 25px 60px rgba(105,7,241,0.35);
  }

  .fc-3 {
    bottom: 20px; right: 50px;
    width: 300px;
    animation-delay: 3.4s;
    border: 2px solid var(--secondary);
  }

  @keyframes float {
    0%,100% { transform: translateY(0) rotate(0); }
    50%     { transform: translateY(-22px) rotate(-1deg); }
  }

  .fc-label { font-size: 0.78rem; color: var(--ink-soft); margin-bottom: 6px; text-transform: uppercase; letter-spacing: 1px; }
  .fc-2 .fc-label { color: rgba(255,255,255,0.7); }
  .fc-amount { font-size: 2rem; font-weight: 800; letter-spacing: -0.02em; }
  .fc-meta { display: flex; align-items: center; gap: 8px; margin-top: 12px; font-size: 0.88rem; color: var(--ink-soft); }
  .fc-2 .fc-meta { color: rgba(255,255,255,0.85); }
  .fc-check {
    width: 22px; height: 22px;
    border-radius: 50%;
    background: var(--secondary);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    color: var(--ink);
    font-weight: 800;
    font-size: 0.75rem;
  }

  .fc-bar {
    height: 6px;
    background: var(--line);
    border-radius: 999px;
    margin-top: 14px;
    overflow: hidden;
  }
  .fc-bar span {
    display: block;
    height: 100%;
    background: var(--secondary);
    width: 72%;
    border-radius: 999px;
    animation: barFill 2.5s ease-out;
  }
  @keyframes barFill { from { width: 0; } }

  /* ─────────── SECTION BASE ─────────── */
  section { padding: 100px 0; background: var(--white); }
  .section-head { text-align: center; max-width: 980px; margin: 0 auto 60px; }
  .eyebrow {
    display: inline-block;
    color: var(--primary);
    font-size: 0.85rem;
    font-weight: 700;
    letter-spacing: 2px;
    text-transform: uppercase;
    margin-bottom: 14px;
  }
  .why-honest h2 {
    font-size: clamp(2rem, 3.6vw, 3rem);
    font-weight: 800;
    letter-spacing: -0.02em;
    line-height: 1.1;
    margin-bottom: 16px;
  }
  .section-head p {
    color: var(--ink-soft);
    font-size: 1.1rem;
  }

  /* ─────────── CALCULATOR ─────────── */
  .calc-wrap {
    background: linear-gradient(135deg, var(--bg-soft) 0%, #f3ecff 100%);
    border-radius: 32px;
    padding: 60px 24px;
    position: relative;
    overflow: hidden;
  }
  .calc-wrap::before,
  .calc-wrap::after {
    content: "";
    position: absolute;
    border-radius: 50%;
    filter: blur(60px);
    pointer-events: none;
    z-index: 0;
  }
  .calc-wrap::before {
    width: 280px; height: 280px;
    background: var(--secondary); opacity: 0.15;
    top: -80px; left: -60px;
    animation: calcBlob 14s ease-in-out infinite;
  }
  .calc-wrap::after {
    width: 240px; height: 240px;
    background: var(--primary); opacity: 0.12;
    bottom: -80px; right: -40px;
    animation: calcBlob 16s ease-in-out infinite reverse;
  }
  @keyframes calcBlob {
    0%,100% { transform: translate(0,0) scale(1); }
    50%     { transform: translate(30px,-20px) scale(1.1); }
  }

  /* Floating coin decorations */
  .calc-deco {
    position: absolute;
    z-index: 1;
    pointer-events: none;
    filter: drop-shadow(0 8px 16px rgba(255,184,0,0.3));
  }
  .calc-deco.d1 { top: 8%; right: 4%; width: 56px; animation: coinSpin 9s linear infinite, coinDrift 6s ease-in-out infinite; }
  .calc-deco.d2 { bottom: 12%; left: 5%; width: 44px; animation: coinSpin 12s linear infinite reverse, coinDrift 7s ease-in-out infinite 1s; }
  .calc-deco.d3 { top: 45%; right: 50%; width: 22px; animation: sparkle 3s ease-in-out infinite; filter: none; }
  .calc-deco.d4 { top: 20%; left: 3%; width: 18px; animation: sparkle 4s ease-in-out infinite 1.5s; filter: none; }

  @keyframes coinSpin { to { transform: rotate(360deg); } }
  @keyframes coinDrift {
    0%,100% { translate: 0 0; }
    50%     { translate: 0 -16px; }
  }
  @keyframes sparkle {
    0%,100% { opacity: 0.3; transform: scale(0.8); }
    50%     { opacity: 1; transform: scale(1.2); }
  }

  .calc {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 48px;
    max-width: 1000px;
    margin: 0 auto;
    align-items: center;
    position: relative;
    z-index: 2;
  }
  .calc-inputs {
    background: var(--white);
    border-radius: 20px;
    padding: 32px;
    box-shadow: 0 4px 12px rgba(105,7,241,0.08);
  }
  .calc-field { margin-bottom: 28px; }
  .calc-field:last-child { margin-bottom: 0; }

  .calc-label {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 12px;
  }
  .calc-label span:first-child {
    font-weight: 600;
    color: var(--ink);
  }
  .calc-value {
    font-size: 22px;
    font-weight: 800;
    color: var(--primary);
    background: var(--primary-soft);
    padding: 4px 14px;
    border-radius: 999px;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    letter-spacing: -0.02em;
  }
  .calc-value::before {
    content: "";
    width: 6px; height: 6px;
    border-radius: 50%;
    background: var(--secondary-dark);
    box-shadow: 0 0 0 3px rgba(45,209,110,0.25);
    animation: pulse 1.6s ease-in-out infinite;
  }

  .range {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 8px;
    background: var(--line);
    border-radius: 999px;
    outline: none;
  }
  .range::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 28px; height: 28px;
    border-radius: 50%;
    background: var(--primary);
    cursor: grab;
    border: 4px solid var(--white);
    box-shadow: 0 0 0 6px rgba(105,7,241,0.15), 0 8px 20px rgba(105,7,241,0.4);
    transition: transform 0.2s ease, box-shadow 0.2s ease;
  }
  .range::-webkit-slider-thumb:hover {
    transform: scale(1.15);
    box-shadow: 0 0 0 10px rgba(105,7,241,0.2), 0 12px 28px rgba(105,7,241,0.5);
  }
  .range::-webkit-slider-thumb:active { cursor: grabbing; }
  .range::-moz-range-thumb {
    width: 28px; height: 28px;
    border-radius: 50%;
    background: var(--primary);
    cursor: grab;
    border: 4px solid var(--white);
    box-shadow: 0 0 0 6px rgba(105,7,241,0.15), 0 8px 20px rgba(105,7,241,0.4);
  }
  .range-bounds {
    display: flex;
    justify-content: space-between;
    font-size: 13px;
    color: var(--ink-soft);
    margin-top: 8px;
  }

  .calc-result {
    background: linear-gradient(135deg, var(--primary) 0%, #8a3df5 50%, var(--primary-dark) 100%);
    background-size: 200% 200%;
    animation: gradientShift 8s ease infinite;
    color: var(--white);
    border-radius: 20px;
    padding: 36px 32px;
    position: relative;
    overflow: hidden;
    box-shadow: 0 24px 60px rgba(105,7,241,0.25);
  }
  @keyframes gradientShift {
    0%,100% { background-position: 0% 50%; }
    50%     { background-position: 100% 50%; }
  }
  .calc-result::before {
    content: "";
    position: absolute;
    top: -40px; right: -40px;
    width: 180px; height: 180px;
    border-radius: 50%;
    background: rgba(81,245,141,0.22);
    animation: orbFloat 6s ease-in-out infinite;
  }
  .calc-result::after {
    content: "";
    position: absolute;
    bottom: -60px; left: -30px;
    width: 140px; height: 140px;
    border-radius: 50%;
    background: rgba(255,255,255,0.12);
    animation: orbFloat 8s ease-in-out infinite reverse;
  }
  @keyframes orbFloat {
    0%,100% { transform: translate(0,0) scale(1); }
    50%     { transform: translate(20px,-15px) scale(1.15); }
  }

  /* APR compliance badge */
  .apr-badge {
    position: absolute;
    top: 20px; right: 20px;
    background: rgba(81,245,141,0.95);
    color: var(--ink);
    padding: 6px 12px;
    border-radius: 999px;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.3px;
    z-index: 2;
    display: flex;
    align-items: center;
    gap: 6px;
    box-shadow: 0 4px 12px rgba(81,245,141,0.3);
  }
  .apr-badge::before {
    content: "";
    width: 6px; height: 6px;
    border-radius: 50%;
    background: var(--ink);
    animation: pulse 1.6s ease-in-out infinite;
  }

  .result-label {
    font-size: 14px;
    opacity: 0.85;
    margin-bottom: 8px;
    position: relative;
    z-index: 1;
  }
  .result-amount {
    font-size: 48px;
    font-weight: 800;
    letter-spacing: -1.5px;
    margin-bottom: 20px;
    position: relative;
    z-index: 1;
    text-shadow: 0 4px 20px rgba(255,255,255,0.2);
    transition: transform 0.3s ease;
  }
  .result-amount.bumped { animation: amountBump 0.4s ease; }
  @keyframes amountBump {
    0%   { transform: scale(1); }
    50%  { transform: scale(1.08); }
    100% { transform: scale(1); }
  }

  /* Term progress bar visualization */
  .breakdown {
    margin-bottom: 18px;
    position: relative;
    z-index: 1;
  }
  .breakdown-label {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 12px;
    opacity: 0.9;
    margin-bottom: 8px;
    letter-spacing: 0.3px;
  }
  .breakdown-label span:last-child {
    font-weight: 700;
    background: rgba(255,255,255,0.18);
    padding: 2px 10px;
    border-radius: 999px;
  }
  .breakdown-bar {
    display: flex;
    height: 10px;
    border-radius: 999px;
    overflow: hidden;
    background: rgba(255,255,255,0.18);
    position: relative;
  }
  .bar-fill {
    height: 100%;
    transition: width 0.5s cubic-bezier(.5,0,.2,1);
  }
  .bar-fill.term-progress {
    background: linear-gradient(90deg, var(--secondary) 0%, #2dd16e 100%);
    box-shadow: 0 0 12px rgba(81,245,141,0.6);
    position: relative;
    overflow: hidden;
  }
  .bar-fill.term-progress::after {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(90deg, transparent 0%, rgba(255,255,255,0.4) 50%, transparent 100%);
    animation: shimmer 2.4s linear infinite;
  }
  @keyframes shimmer {
    0%   { transform: translateX(-100%); }
    100% { transform: translateX(100%); }
  }

  .result-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 14px 0;
    border-top: 1px solid rgba(255,255,255,0.18);
    font-size: 15px;
    position: relative;
    z-index: 1;
  }
  .result-row strong {
    font-weight: 700;
    transition: color 0.3s ease;
  }
  .result-cta {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    background: var(--secondary);
    color: var(--ink);
    padding: 16px;
    border-radius: 999px;
    font-weight: 700;
    margin-top: 20px;
    position: relative;
    z-index: 1;
    transition: transform 0.2s ease, box-shadow 0.2s ease;
    text-decoration: none;
    box-shadow: 0 8px 20px rgba(81,245,141,0.4);
  }
  .result-cta:hover {
    transform: translateY(-2px);
    box-shadow: 0 12px 28px rgba(81,245,141,0.5);
  }
  .result-cta::after {
    content: "→";
    transition: transform 0.2s ease;
  }
  .result-cta:hover::after { transform: translateX(4px); }

  .calc-note {
    text-align: center;
    color: var(--ink-soft);
    font-size: 0.85rem;
    margin-top: 24px;
    max-width: 1200px;
    margin-left: auto;
    margin-right: auto;
  }

  /* ─────────── HOW IT WORKS ─────────── */
  .steps {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
    counter-reset: step;
  }
  .step-card {
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: 24px;
    padding: 36px 30px;
    position: relative;
    transition: all 0.3s ease;
  }
  .step-card:hover {
    transform: translateY(-6px);
    border-color: var(--primary);
    box-shadow: 0 20px 50px rgba(105,7,241,0.10);
  }
  .step-num {
    counter-increment: step;
    width: 52px; height: 52px;
    border-radius: 16px;
    background: var(--primary-soft);
    color: var(--primary);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 1.3rem;
    margin-bottom: 24px;
  }
  .step-num::before { content: "0" counter(step); }
  .step-card h3 {
    font-size: 1.35rem;
    font-weight: 700;
    margin-bottom: 12px;
    letter-spacing: -0.01em;
  }
  .step-card p { color: var(--ink-soft); font-size: 0.98rem; }

  /* ─────────── FEATURES ─────────── */
  .features-bg { background: #ffffff; }

  .feature-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
  }
  .feature {
    background: var(--white);
    border-radius: 20px;
    padding: 32px 26px;
    border: 1px solid var(--line);
    transition: all 0.3s ease;
  }
  .feature:hover {
    border-color: var(--primary);
    transform: translateY(-4px);
  }
  .feature-icon {
    width: 48px; height: 48px;
    border-radius: 14px;
    background: var(--primary);
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 18px;
    font-size: 1.4rem;
  }
  .feature:nth-child(2) .feature-icon { background: var(--secondary); color: var(--ink); }
  .feature:nth-child(3) .feature-icon { background: var(--ink); }
  .feature h4 { font-size: 1.1rem; font-weight: 700; margin-bottom: 8px; }
  .feature p { color: var(--ink-soft); font-size: 0.92rem; line-height: 1.55; }

  /* ─────────── REVIEWS SLIDER ─────────── */
  .reviews-bg { background: var(--white); position: relative; overflow: hidden; }

  .slider {
    overflow: hidden;
    position: relative;
    padding: 20px 0 10px;
    -webkit-mask-image: linear-gradient(to right, transparent, #000 8%, #000 92%, transparent);
            mask-image: linear-gradient(to right, transparent, #000 8%, #000 92%, transparent);
  }
  .slide-track {
    display: flex;
    gap: 24px;
    width: max-content;
    animation: scroll 50s linear infinite;
  }
  .slider:hover .slide-track { animation-play-state: paused; }

  @keyframes scroll {
    0%   { transform: translateX(0); }
    100% { transform: translateX(-50%); }
  }

  .review-card {
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: 22px;
    padding: 30px;
    width: 380px;
    flex-shrink: 0;
    box-shadow: 0 6px 20px rgba(15,10,31,0.04);
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    min-height: 240px;
  }
  .review-stars { color: #ffb800; font-size: 1.05rem; letter-spacing: 3px; margin-bottom: 14px; }
  .review-text {
    color: var(--ink);
    font-size: 1rem;
    line-height: 1.6;
    margin-bottom: 22px;
  }
  .review-author {
    display: flex;
    align-items: center;
    gap: 12px;
  }
  .avatar {
    width: 48px; height: 48px;
    border-radius: 50%;
    background: var(--primary-soft);
    object-fit: cover;
    flex-shrink: 0;
    border: 2px solid var(--white);
    box-shadow: 0 4px 12px rgba(15,10,31,0.08);
  }

  .author-name { font-weight: 700; font-size: 0.95rem; }
  .author-loc  { font-size: 0.82rem; color: var(--ink-soft); }

  /* ─────────── CTA STRIP ─────────── */
  .cta-strip {
    background: var(--primary);
    border-radius: 28px;
    padding: 60px 48px;
    color: var(--white);
    text-align: center;
    position: relative;
    overflow: hidden;
  }
  .cta-strip::before,
  .cta-strip::after {
    content: "";
    position: absolute;
    border-radius: 50%;
    filter: blur(60px);
  }
  .cta-strip::before { width: 280px; height: 280px; background: var(--secondary); opacity: 0.35; top: -100px; left: -80px; }
  .cta-strip::after  { width: 300px; height: 300px; background: #b388ff;       opacity: 0.45; bottom: -120px; right: -100px; }

  .cta-strip h2 {
    font-size: clamp(1.8rem, 3.2vw, 2.6rem);
    font-weight: 800;
    margin-bottom: 14px;
    letter-spacing: -0.02em;
    position: relative; z-index: 1;
  }
  .cta-strip p {
    opacity: 0.9;
    font-size: 1.1rem;
    margin-bottom: 28px;
    position: relative; z-index: 1;
  }
  .cta-strip .btn-primary {
    background: var(--secondary);
    color: var(--ink);
    position: relative; z-index: 1;
  }
  .cta-strip .btn-primary:hover { background: var(--secondary-dark); }

  /* ─────────── FAQ ─────────── */
  .faq-wrap {
    max-width: 820px;
    margin: 0 auto;
  }
  .faq-item {
    border: 1px solid var(--line);
    border-radius: 18px;
    margin-bottom: 14px;
    background: var(--white);
    overflow: hidden;
    transition: border-color 0.25s ease, box-shadow 0.25s ease;
  }
  .faq-item.open {
    border-color: var(--primary);
    box-shadow: 0 14px 40px rgba(105,7,241,0.08);
  }
  .faq-q {
    width: 100%;
    background: none;
    border: none;
    text-align: left;
    padding: 22px 26px;
    font-family: inherit;
    font-size: 1.05rem;
    font-weight: 600;
    color: var(--ink);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 20px;
    letter-spacing: -0.005em;
  }
  .faq-icon {
    flex-shrink: 0;
    width: 32px; height: 32px;
    border-radius: 50%;
    background: var(--primary-soft);
    color: var(--primary);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.3rem;
    font-weight: 700;
    transition: transform 0.3s ease, background 0.3s ease, color 0.3s ease;
    line-height: 1;
  }
  .faq-item.open .faq-icon {
    background: var(--primary);
    color: var(--white);
    transform: rotate(45deg);
  }
  .faq-a {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s ease;
  }
  .faq-a-inner {
    padding: 0 26px 24px;
    color: var(--ink-soft);
    font-size: 1rem;
    line-height: 1.65;
  }
  .faq-item.open .faq-a { max-height: 400px; }

  /* ─────────── RESPONSIVE ─────────── */
  @media (max-width: 960px) {
    .hero { padding: 50px 0 70px; }
    .hero-grid { grid-template-columns: 1fr; gap: 50px; }
    .calc { grid-template-columns: 1fr; gap: 32px; }
    .hero-content { text-align: center; }
    .hero-content .pill { margin-left: auto; margin-right: auto; }
    .hero-sub { margin-left: auto; margin-right: auto; }
    .cta-row { justify-content: center; }
    .trust-row { justify-content: center; }
    .hero-visual { height: 480px; max-width: 420px; margin: 0 auto; }
    .phone { width: 230px; height: 440px; }
    .deco-notif { width: 200px; top: 50px; right: -10px; }
    .deco-rating { bottom: 60px; left: -10px; }
    .deco-coin { width: 70px; height: 70px; }
    .deco-coin-2 { width: 56px; height: 56px; }
    .steps, .feature-grid { grid-template-columns: 1fr 1fr; }
    section { padding: 70px 0; }
    .calc-wrap { padding: 40px 20px; }
    .review-card { width: 300px; }
  }
  @media (max-width: 560px) {
    .container { padding: 0 18px; }
    .hero { padding: 36px 0 50px; }
    .hero-grid { gap: 36px; }
    h1.hero-title { font-size: 2.2rem; }
    .hero-sub { font-size: 1.02rem; }
    .btn { padding: 15px 26px; font-size: 0.98rem; width: 100%; justify-content: center; }
    .cta-row { flex-direction: column; gap: 12px; }
    .trust-row { flex-direction: column; gap: 8px; }
    .hero-visual { height: 420px; max-width: 340px; }
    .phone { width: 190px; height: 360px; }
    .deco-notif { width: 170px; padding: 10px 12px; top: 30px; right: -10px; }
    .deco-notif .ico { width: 32px; height: 32px; }
    .deco-notif .t2 { font-size: 0.85rem; }
    .deco-notif .t1 { font-size: 0.7rem; }
    .deco-rating { padding: 10px 12px; bottom: 40px; left: -10px; }
    .deco-rating .rstars { font-size: 0.75rem; }
    .deco-rating .rtxt { font-size: 0.72rem; }
    .deco-coin { width: 56px; height: 56px; top: 10px; left: -5px; }
    .deco-coin-2 { width: 44px; height: 44px; bottom: 30px; right: 0; }
    .steps, .feature-grid { grid-template-columns: 1fr; }
    .calc-wrap { padding: 32px 20px; }
    .calc-inputs, .calc-result { padding: 24px; }
    .result-amount { font-size: 2.2rem; }
    .cta-strip { padding: 40px 22px; }
    .review-card { width: 270px; padding: 22px; }
    .section-head h2 { font-size: 1.75rem; }
    .section-head p { font-size: 1rem; }
    .faq-q { padding: 16px 18px; font-size: 0.95rem; }
    .faq-a-inner { padding: 0 18px 18px; font-size: 0.92rem; }
    .faq-icon { width: 28px; height: 28px; font-size: 1.15rem; }
  }
  @media (prefers-reduced-motion: reduce) {
    *, *::before, *::after {
      animation-duration: 0.01ms !important;
      animation-iteration-count: 1 !important;
      transition-duration: 0.01ms !important;
    }
  }

/* ═══════════════════════════════════════════════
   HEADER
═══════════════════════════════════════════════ */
.site-header {
  position: sticky;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  background: rgba(255,255,255,0.85);
  backdrop-filter: saturate(1.5) blur(14px);
  -webkit-backdrop-filter: saturate(1.5) blur(14px);
  border-bottom: 1px solid transparent;
  transition: border-color 0.3s ease, box-shadow 0.3s ease, background 0.3s ease;
}
.site-header.scrolled {
  background: rgba(255,255,255,0.95);
  border-bottom-color: var(--line);
  box-shadow: 0 4px 24px rgba(15,10,31,0.06);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  padding: 16px 32px;
  max-width: 1280px;
  margin: 0 auto;
}

/* Brand / logo lockup */
.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  flex-shrink: 0;
  transition: transform 0.2s ease;
}
.brand:hover { transform: translateY(-1px); }
.brand-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  overflow: hidden;
  display: block;
}
.brand-text {
  font-size: 1.4rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  color: var(--ink);
  line-height: 1;
}
.brand-text span { color: var(--primary); }

/* Desktop nav */
.nav-primary {
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav-link {
  position: relative;
  color: var(--ink);
  background: transparent;
  border: none;
  font-family: inherit;
  cursor: pointer;
  text-decoration: none;
  font-weight: 600;
  font-size: 0.95rem;
  padding: 10px 16px;
  border-radius: 999px;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: color 0.2s ease, background 0.2s ease;
}
.nav-link:hover {
  color: var(--primary);
  background: var(--primary-soft);
}
.nav-link .chevron {
  width: 12px;
  height: 12px;
  transition: transform 0.25s ease;
}

/* Dropdown menu */
.has-dropdown {
  position: relative;
}
.dropdown {
  position: absolute;
  top: calc(100% + 12px);
  left: 50%;
  transform: translateX(-50%) translateY(-8px);
  min-width: 320px;
  background: #ffffff;
  border-radius: 18px;
  border: 1px solid var(--line);
  box-shadow: 0 20px 50px rgba(15,10,31,0.12), 0 4px 12px rgba(15,10,31,0.04);
  padding: 12px;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.2s ease, transform 0.2s ease;
  z-index: 10;
}
.dropdown::before {
  content: "";
  position: absolute;
  top: -8px;
  left: 50%;
  transform: translateX(-50%) rotate(45deg);
  width: 14px;
  height: 14px;
  background: #ffffff;
  border-left: 1px solid var(--line);
  border-top: 1px solid var(--line);
  border-radius: 3px 0 0 0;
}
.has-dropdown.open .dropdown,
.has-dropdown:hover .dropdown {
  opacity: 1;
  pointer-events: auto;
  transform: translateX(-50%) translateY(0);
}
.has-dropdown.open .nav-link .chevron,
.has-dropdown:hover .nav-link .chevron {
  transform: rotate(180deg);
}
.dropdown-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 12px 14px;
  border-radius: 12px;
  text-decoration: none;
  color: var(--ink);
  transition: background 0.15s ease, transform 0.15s ease;
}
.dropdown-item:hover {
  background: var(--primary-soft);
}
.dd-icon {
  flex-shrink: 0;
  width: 38px;
  height: 38px;
  border-radius: 10px;
  background: var(--primary-soft);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
}
.dropdown-item:nth-child(even) .dd-icon {
  background: rgba(81,245,141,0.18);
  color: #1a9a4a;
}
.dd-icon svg { width: 18px; height: 18px; }
.dd-text { display: flex; flex-direction: column; gap: 2px; }
.dd-title { font-weight: 600; font-size: 0.95rem; color: var(--ink); }
.dd-desc { font-size: 0.8rem; color: var(--ink-soft); line-height: 1.4; }

/* Header actions */
.nav-actions {
  display: flex;
  align-items: center;
  gap: 12px;
}
.btn-text {
  color: var(--ink);
  text-decoration: none;
  font-weight: 600;
  font-size: 0.95rem;
  padding: 10px 16px;
  border-radius: 999px;
  transition: color 0.2s ease, background 0.2s ease;
}
.btn-text:hover {
  color: var(--primary);
  background: var(--primary-soft);
}
.btn-cta {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--primary);
  color: var(--white);
  text-decoration: none;
  font-weight: 700;
  font-size: 0.95rem;
  padding: 12px 22px;
  border-radius: 999px;
  box-shadow: 0 6px 16px rgba(105,7,241,0.28);
  transition: transform 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
}
.btn-cta:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 24px rgba(105,7,241,0.4);
  background: var(--primary-dark);
}
.btn-cta::after { content: "→"; transition: transform 0.2s ease; }
.btn-cta:hover::after { transform: translateX(3px); }

/* Hamburger */
.menu-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border: none;
  background: var(--primary-soft);
  border-radius: 12px;
  cursor: pointer;
  padding: 0;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 5px;
}
.menu-toggle span {
  display: block;
  width: 20px;
  height: 2.5px;
  background: var(--primary);
  border-radius: 2px;
  transition: transform 0.3s ease, opacity 0.2s ease;
}
.menu-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
.menu-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.menu-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }

/* Mobile slide-down menu */
.nav-mobile {
  display: none;
  flex-direction: column;
  padding: 8px 24px 24px;
  gap: 4px;
  background: rgba(255,255,255,0.98);
  backdrop-filter: blur(14px);
  border-top: 1px solid var(--line);
  max-height: calc(100vh - 76px);
  overflow-y: auto;
}
.nav-mobile.open { display: flex; }
.nav-mobile > a,
.nav-mobile > .mobile-section > .mobile-section-toggle {
  color: var(--ink);
  text-decoration: none;
  font-weight: 600;
  font-size: 1rem;
  padding: 14px 18px;
  border-radius: 12px;
  transition: background 0.2s ease, color 0.2s ease;
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  background: transparent;
  border: none;
  font-family: inherit;
  cursor: pointer;
  text-align: left;
}
.nav-mobile > a:hover,
.nav-mobile > .mobile-section > .mobile-section-toggle:hover {
  background: var(--primary-soft);
  color: var(--primary);
}
.mobile-section-toggle .chevron {
  width: 14px; height: 14px;
  transition: transform 0.25s ease;
}
.mobile-section.open .mobile-section-toggle .chevron {
  transform: rotate(180deg);
}
.mobile-sublinks {
  display: none;
  flex-direction: column;
  padding: 4px 8px 8px 22px;
  gap: 2px;
}
.mobile-section.open .mobile-sublinks { display: flex; }
.mobile-sublinks a {
  color: var(--ink-soft);
  text-decoration: none;
  font-size: 0.9rem;
  padding: 10px 14px;
  border-radius: 8px;
  font-weight: 500;
  transition: background 0.2s ease, color 0.2s ease;
}
.mobile-sublinks a:hover {
  background: var(--primary-soft);
  color: var(--primary);
}
.nav-mobile .mobile-signin {
  border-top: 1px solid var(--line);
  margin-top: 8px;
  padding-top: 18px;
  border-radius: 0;
}
.nav-mobile .mobile-cta {
  margin-top: 8px;
  justify-content: center;
  text-align: center;
}

/* Header mobile breakpoint */
@media (max-width: 900px) {
  .nav-primary { display: none; }
  .nav-actions .btn-text { display: none; }
  .nav-actions .btn-cta { display: none; }
  .menu-toggle { display: flex; }
  .header-inner { gap: 12px; padding: 12px 20px; }
  .brand-text { font-size: 1.2rem; }
  .brand-icon { width: 40px; height: 40px; }
}

/* ═══════════════════════════════════════════════
   FOOTER
═══════════════════════════════════════════════ */
.site-footer {
  background: #0f0a1f;
  color: rgba(255,255,255,0.75);
  padding: 80px 0 0;
  margin-top: 80px;
  position: relative;
  overflow: hidden;
}
.site-footer::before {
  content: "";
  position: absolute;
  top: -120px; right: -100px;
  width: 380px; height: 380px;
  border-radius: 50%;
  background: var(--primary);
  opacity: 0.15;
  filter: blur(80px);
  pointer-events: none;
}
.site-footer::after {
  content: "";
  position: absolute;
  bottom: 80px; left: -120px;
  width: 320px; height: 320px;
  border-radius: 50%;
  background: var(--secondary);
  opacity: 0.08;
  filter: blur(80px);
  pointer-events: none;
}
.footer-main {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 60px;
  padding-bottom: 60px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  position: relative;
  z-index: 1;
}
.footer-brand .footer-logo {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  margin-bottom: 20px;
}
.footer-logo .brand-icon { width: 44px; height: 44px; }
.footer-logo-text {
  font-size: 1.4rem;
  font-weight: 800;
  color: #ffffff;
  letter-spacing: -0.02em;
  line-height: 1;
}
.footer-logo-text span { color: var(--secondary); }
.footer-tagline {
  font-size: 0.95rem;
  color: rgba(255,255,255,0.6);
  margin-bottom: 24px;
  max-width: 320px;
  line-height: 1.6;
}
.footer-social { display: flex; gap: 10px; }
.footer-social a {
  width: 38px; height: 38px;
  border-radius: 10px;
  background: rgba(255,255,255,0.06);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.7);
  transition: all 0.2s ease;
}
.footer-social a:hover {
  background: var(--primary);
  color: #ffffff;
  transform: translateY(-2px);
}
.footer-social svg { width: 18px; height: 18px; }
.footer-col h4 {
  color: #ffffff;
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 20px;
}
.footer-col ul {
  list-style: none;
  padding: 0; margin: 0;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.footer-col a {
  color: rgba(255,255,255,0.65);
  text-decoration: none;
  font-size: 0.95rem;
  transition: color 0.2s ease, padding-left 0.2s ease;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.footer-col a:hover {
  color: var(--secondary);
  padding-left: 4px;
}
.footer-disclosure {
  padding: 36px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  position: relative;
  z-index: 1;
}
.disclosure-title {
  color: #ffffff;
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 12px;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}
.disclosure-title::before {
  content: "";
  width: 16px; height: 16px;
  background: var(--secondary);
  border-radius: 4px;
  flex-shrink: 0;
}
.footer-disclosure p {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.55);
  line-height: 1.7;
  margin-bottom: 8px;
}
.footer-disclosure p:last-child { margin-bottom: 0; }
.footer-disclosure strong { color: rgba(255,255,255,0.85); font-weight: 600; }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
  padding: 28px 0;
  position: relative;
  z-index: 1;
}
.footer-bottom p {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.5);
  margin: 0;
}
.footer-bottom-links {
  display: flex;
  gap: 4px;
  align-items: center;
  flex-wrap: wrap;
}
.footer-bottom-links a {
  color: rgba(255,255,255,0.6);
  text-decoration: none;
  font-size: 0.85rem;
  padding: 4px 10px;
  border-radius: 6px;
  transition: color 0.2s ease, background 0.2s ease;
}
.footer-bottom-links a:hover {
  color: var(--secondary);
  background: rgba(255,255,255,0.05);
}
.footer-bottom-links span {
  color: rgba(255,255,255,0.3);
  font-size: 0.85rem;
}
.footer-payments {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.55);
  background: rgba(255,255,255,0.05);
  padding: 8px 14px;
  border-radius: 999px;
}
.footer-payments svg { flex-shrink: 0; }

@media (max-width: 900px) {
  .site-footer { padding-top: 60px; }
  .footer-main {
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    padding-bottom: 40px;
  }
  .footer-brand { grid-column: 1 / -1; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
}
@media (max-width: 560px) {
  .footer-main { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom-links { font-size: 0.8rem; }
}

/* ═══════════════════════════════════════════════
   ABOUT PAGE
═══════════════════════════════════════════════ */

/* About hero — smaller / centered */
.about-hero {
  position: relative;
  padding: 80px 0 60px;
  background: var(--white);
  overflow: hidden;
  text-align: center;
}
.about-hero::before {
  content: "";
  position: absolute;
  top: -100px; left: 50%;
  transform: translateX(-50%);
  width: 600px; height: 400px;
  background: var(--primary);
  opacity: 0.08;
  border-radius: 50%;
  filter: blur(80px);
  pointer-events: none;
  z-index: 0;
}
.about-hero::after {
  content: "";
  position: absolute;
  bottom: -100px; right: 10%;
  width: 300px; height: 300px;
  background: var(--secondary);
  opacity: 0.12;
  border-radius: 50%;
  filter: blur(70px);
  pointer-events: none;
  z-index: 0;
}
.about-hero .container { position: relative; z-index: 1; max-width: 820px; }
.about-hero .eyebrow {
  color: var(--primary);
  font-weight: 700;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 2px;
  display: inline-block;
  background: var(--primary-soft);
  padding: 6px 14px;
  border-radius: 999px;
  margin-bottom: 20px;
}
.about-hero h1 {
  font-size: clamp(2.4rem, 5.5vw, 4.2rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1.05;
  margin-bottom: 24px;
  color: var(--ink);
}
.about-hero h1 .accent {
  position: relative;
  display: inline-block;
  color: var(--primary);
}
.about-hero h1 .accent::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: 4px;
  height: 12px;
  background: var(--secondary);
  opacity: 0.55;
  border-radius: 4px;
  transform: skewX(-8deg);
  z-index: -1;
}
.about-hero p {
  font-size: 1.15rem;
  color: var(--ink-soft);
  max-width: 640px;
  margin: 0 auto;
  line-height: 1.55;
}

/* Mission section: 2-col */
.mission-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 80px;
  align-items: center;
}
.mission-grid .eyebrow {
  color: var(--primary);
  font-weight: 700;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 2px;
  margin-bottom: 14px;
  display: inline-block;
}
.mission-grid h2 {
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  font-weight: 800;
  letter-spacing: -0.02em;
  line-height: 1.15;
  margin-bottom: 20px;
  color: var(--ink);
}
.mission-grid p {
  font-size: 1.05rem;
  color: var(--ink-soft);
  line-height: 1.65;
  margin-bottom: 16px;
}
.mission-visual {
  background: linear-gradient(135deg, var(--primary) 0%, #8a3df5 100%);
  border-radius: 32px;
  padding: 48px 40px;
  color: var(--white);
  position: relative;
  overflow: hidden;
  box-shadow: 0 30px 60px rgba(105,7,241,0.25);
}
.mission-visual::before {
  content: "";
  position: absolute;
  top: -80px; right: -80px;
  width: 240px; height: 240px;
  background: var(--secondary);
  opacity: 0.25;
  border-radius: 50%;
  filter: blur(40px);
}
.mission-stat-block {
  position: relative;
  z-index: 1;
  margin-bottom: 28px;
  padding-bottom: 28px;
  border-bottom: 1px solid rgba(255,255,255,0.18);
}
.mission-stat-block:last-child {
  margin-bottom: 0;
  padding-bottom: 0;
  border-bottom: none;
}
.mission-stat-num {
  font-size: 3rem;
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1;
  margin-bottom: 6px;
}
.mission-stat-label {
  font-size: 0.95rem;
  opacity: 0.85;
}

/* Values grid (4 cards) */
.values-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.value-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 24px;
  padding: 32px 28px;
  transition: all 0.3s ease;
  position: relative;
}
.value-card:hover {
  transform: translateY(-6px);
  border-color: var(--primary);
  box-shadow: 0 20px 50px rgba(105,7,241,0.1);
}
.value-icon {
  width: 56px;
  height: 56px;
  border-radius: 16px;
  background: var(--primary-soft);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}
.value-card:nth-child(even) .value-icon {
  background: rgba(81,245,141,0.2);
  color: #1a9a4a;
}
.value-icon svg { width: 28px; height: 28px; }
.value-card h3 {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--ink);
  margin-bottom: 10px;
}
.value-card p {
  font-size: 0.95rem;
  color: var(--ink-soft);
  line-height: 1.6;
}

/* Team grid */
.team-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.team-card {
  background: var(--bg-soft);
  border-radius: 24px;
  padding: 32px 24px;
  text-align: center;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.team-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 20px 40px rgba(15,10,31,0.08);
}
.team-avatar {
  width: 96px;
  height: 96px;
  border-radius: 50%;
  margin: 0 auto 16px;
  background: var(--white);
  border: 3px solid var(--white);
  box-shadow: 0 8px 20px rgba(105,7,241,0.15);
  display: block;
  object-fit: cover;
}
.team-name {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--ink);
  margin-bottom: 4px;
}
.team-role {
  font-size: 0.9rem;
  color: var(--primary);
  font-weight: 600;
  margin-bottom: 12px;
}
.team-bio {
  font-size: 0.88rem;
  color: var(--ink-soft);
  line-height: 1.55;
}

/* Compliance / trust strip */
.compliance {
  background: var(--bg-soft);
  border-radius: 32px;
  padding: 60px 40px;
  text-align: center;
}
.compliance-badges {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 16px;
  margin: 32px 0;
}
.compliance-badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--white);
  border: 1px solid var(--line);
  padding: 14px 22px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--ink);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.compliance-badge:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(105,7,241,0.1);
}
.compliance-badge svg {
  flex-shrink: 0;
  color: var(--primary);
}
.compliance-note {
  font-size: 0.9rem;
  color: var(--ink-soft);
  max-width: 1000px;
  margin: 0 auto;
  line-height: 1.6;
}

/* Responsive */
@media (max-width: 900px) {
  .about-hero { padding: 60px 0 40px; }
  .mission-grid { grid-template-columns: 1fr; gap: 40px; }
  .mission-visual { padding: 32px 28px; }
  .values-grid { grid-template-columns: repeat(2, 1fr); }
  .team-grid { grid-template-columns: repeat(2, 1fr); }
  .compliance { padding: 40px 24px; }
}
@media (max-width: 560px) {
  .values-grid, .team-grid { grid-template-columns: 1fr; }
}

/* ═══════════════════════════════════════════════
   FAQS PAGE
═══════════════════════════════════════════════ */
.faq-hero {
  padding: 80px 0 40px;
  text-align: center;
  background: var(--white);
  position: relative;
  overflow: hidden;
}
.faq-hero::before {
  content: "";
  position: absolute;
  top: -80px; left: 50%;
  transform: translateX(-50%);
  width: 500px; height: 300px;
  background: var(--primary);
  opacity: 0.07;
  border-radius: 50%;
  filter: blur(70px);
  pointer-events: none;
}
.faq-hero .container { position: relative; z-index: 1; max-width: 760px; }
.faq-hero .eyebrow {
  color: var(--primary);
  font-weight: 700;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 2px;
  background: var(--primary-soft);
  padding: 6px 14px;
  border-radius: 999px;
  display: inline-block;
  margin-bottom: 20px;
}
.faq-hero h1 {
  font-size: clamp(2rem, 4.5vw, 3.6rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1.1;
  margin-bottom: 18px;
  color: var(--ink);
}
.faq-hero p {
  font-size: 1.1rem;
  color: var(--ink-soft);
  line-height: 1.6;
  max-width: 620px;
  margin: 0 auto;
}

/* Sticky category jump nav */
.faq-nav-wrap {
  position: sticky;
  top: 72px;
  z-index: 20;
  background: rgba(255,255,255,0.92);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
  padding: 14px 0;
  margin-bottom: 40px;
}
.faq-nav {
  display: flex;
  gap: 8px;
  justify-content: center;
  flex-wrap: wrap;
}
.faq-nav a {
  padding: 8px 14px;
  border-radius: 999px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--ink);
  text-decoration: none;
  background: var(--bg-soft);
  border: 1px solid transparent;
  transition: all 0.15s ease;
  white-space: nowrap;
}
.faq-nav a:hover {
  color: var(--primary);
  background: var(--primary-soft);
}

/* FAQ category section */
.faq-category {
  padding: 30px 0 60px;
  scroll-margin-top: 160px;
}
.faq-cat-head {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 28px;
  padding-bottom: 20px;
  border-bottom: 2px solid var(--line);
}
.faq-cat-icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: var(--primary-soft);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.faq-cat-icon svg { width: 26px; height: 26px; }
.faq-cat-title {
  font-size: 1.6rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  color: var(--ink);
  margin: 0;
}
.faq-cat-sub {
  display: block;
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--ink-soft);
  margin-top: 4px;
}

/* Container narrower for readability */
.faqs-page .container { max-width: 1280px; }

/* Help / still-have-questions CTA */
.faq-help {
  background: linear-gradient(135deg, var(--primary) 0%, #8a3df5 100%);
  border-radius: 32px;
  padding: 60px 40px;
  text-align: center;
  color: var(--white);
  position: relative;
  overflow: hidden;
  margin-top: 40px;
}
.faq-help::before {
  content: "";
  position: absolute;
  top: -100px; right: -100px;
  width: 280px; height: 280px;
  background: var(--secondary);
  opacity: 0.22;
  border-radius: 50%;
  filter: blur(50px);
  pointer-events: none;
}
.faq-help h2 {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 800;
  margin-bottom: 14px;
  position: relative;
  z-index: 1;
}
.faq-help p {
  font-size: 1.05rem;
  opacity: 0.95;
  margin-bottom: 28px;
  max-width: 540px;
  margin-left: auto;
  margin-right: auto;
  position: relative;
  z-index: 1;
}
.faq-help-actions {
  display: flex;
  justify-content: center;
  gap: 12px;
  flex-wrap: wrap;
  position: relative;
  z-index: 1;
}
.faq-help-actions a {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 24px;
  border-radius: 999px;
  font-weight: 700;
  text-decoration: none;
  transition: transform 0.2s ease;
}
.faq-help-actions a:hover { transform: translateY(-2px); }
.faq-help-primary { background: var(--secondary); color: var(--ink); }
.faq-help-secondary { background: rgba(255,255,255,0.15); color: var(--white); border: 1px solid rgba(255,255,255,0.3); }

@media (max-width: 700px) {
  .faq-hero { padding: 60px 0 30px; }
  .faq-nav-wrap { top: 64px; padding: 10px 0; }
  .faq-nav { gap: 6px; }
  .faq-nav a { padding: 6px 12px; font-size: 0.82rem; }
  .faq-cat-icon { width: 44px; height: 44px; }
  .faq-cat-title { font-size: 1.3rem; }
  .faq-help { padding: 40px 24px; }
}

/* ═══════════════════════════════════════════════
   HOW IT WORKS PAGE
═══════════════════════════════════════════════ */
.hiw-hero {
  padding: 80px 0 40px;
  text-align: center;
  background: var(--white);
  position: relative;
  overflow: hidden;
}
.hiw-hero::before {
  content: "";
  position: absolute;
  top: -100px; left: 50%;
  transform: translateX(-50%);
  width: 600px; height: 300px;
  background: var(--primary);
  opacity: 0.08;
  border-radius: 50%;
  filter: blur(80px);
  pointer-events: none;
}
.hiw-hero::after {
  content: "";
  position: absolute;
  bottom: -100px; right: 5%;
  width: 280px; height: 280px;
  background: var(--secondary);
  opacity: 0.15;
  border-radius: 50%;
  filter: blur(70px);
  pointer-events: none;
}
.hiw-hero .container { position: relative; z-index: 1; max-width: 780px; }
.hiw-hero .eyebrow {
  color: var(--primary);
  font-weight: 700;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 2px;
  background: var(--primary-soft);
  padding: 6px 14px;
  border-radius: 999px;
  display: inline-block;
  margin-bottom: 20px;
}
.hiw-hero h1 {
  font-size: clamp(2.2rem, 5vw, 3.8rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1.08;
  margin-bottom: 20px;
}
.hiw-hero h1 .accent {
  position: relative;
  display: inline-block;
  color: var(--primary);
}
.hiw-hero h1 .accent::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: 4px;
  height: 12px;
  background: var(--secondary);
  opacity: 0.55;
  border-radius: 4px;
  transform: skewX(-8deg);
  z-index: -1;
}
.hiw-hero p {
  font-size: 1.1rem;
  color: var(--ink-soft);
  line-height: 1.6;
  max-width: 600px;
  margin: 0 auto;
}

/* Big timeline of steps */
.hiw-timeline {
  position: relative;
  padding: 60px 0;
  max-width: 880px;
  margin: 0 auto;
}
.hiw-step {
  display: grid;
  grid-template-columns: 80px 1fr;
  gap: 32px;
  padding: 28px 0;
  position: relative;
}
.hiw-step:not(:last-child)::before {
  content: "";
  position: absolute;
  left: 39px;
  top: 100px;
  bottom: -28px;
  width: 2px;
  background: linear-gradient(to bottom, var(--primary) 0%, var(--primary-soft) 100%);
  z-index: 0;
}
.hiw-step-num {
  position: relative;
  z-index: 1;
  width: 80px; height: 80px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary) 0%, #8a3df5 100%);
  color: var(--white);
  font-size: 2rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 12px 28px rgba(105,7,241,0.25);
  flex-shrink: 0;
}
.hiw-step:nth-child(even) .hiw-step-num {
  background: linear-gradient(135deg, var(--secondary) 0%, #2dd16e 100%);
  color: var(--ink);
  box-shadow: 0 12px 28px rgba(81,245,141,0.3);
}
.hiw-step-content {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 20px;
  padding: 28px 30px;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}
.hiw-step:hover .hiw-step-content {
  transform: translateY(-3px);
  border-color: var(--primary);
  box-shadow: 0 20px 50px rgba(105,7,241,0.1);
}
.hiw-step-time {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--primary-soft);
  color: var(--primary);
  font-size: 0.78rem;
  font-weight: 700;
  padding: 4px 10px;
  border-radius: 999px;
  margin-bottom: 14px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.hiw-step:nth-child(even) .hiw-step-time {
  background: rgba(81,245,141,0.18);
  color: #1a9a4a;
}
.hiw-step-time svg { width: 12px; height: 12px; }
.hiw-step h3 {
  font-size: 1.4rem;
  font-weight: 800;
  margin-bottom: 10px;
  letter-spacing: -0.01em;
  color: var(--ink);
}
.hiw-step p {
  color: var(--ink-soft);
  line-height: 1.65;
  margin-bottom: 12px;
}
.hiw-step p:last-child { margin-bottom: 0; }
.hiw-step-list {
  list-style: none;
  padding: 0;
  margin: 14px 0 0;
}
.hiw-step-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 6px 0;
  font-size: 0.95rem;
  color: var(--ink-soft);
}
.hiw-step-list li::before {
  content: "✓";
  flex-shrink: 0;
  width: 22px; height: 22px;
  background: rgba(81,245,141,0.18);
  color: #1a9a4a;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  font-weight: 700;
  margin-top: 2px;
}

/* What you need / checklist */
.hiw-checklist {
  background: var(--bg-soft);
  border-radius: 28px;
  padding: 48px 40px;
  margin: 40px auto;
  max-width: 880px;
}
.hiw-checklist-head {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 24px;
}
.hiw-checklist-icon {
  width: 52px; height: 52px;
  border-radius: 14px;
  background: var(--primary);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
}
.hiw-checklist h2 {
  font-size: 1.6rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  margin: 0;
}
.hiw-checklist-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
}
.hiw-check {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  background: var(--white);
  padding: 16px 18px;
  border-radius: 14px;
  border: 1px solid var(--line);
}
.hiw-check-mark {
  flex-shrink: 0;
  width: 24px; height: 24px;
  border-radius: 50%;
  background: var(--secondary);
  color: var(--ink);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 0.75rem;
}
.hiw-check-text strong {
  display: block;
  font-weight: 700;
  color: var(--ink);
  font-size: 0.98rem;
  margin-bottom: 2px;
}
.hiw-check-text span {
  font-size: 0.85rem;
  color: var(--ink-soft);
  line-height: 1.5;
}

/* Side-by-side: we do / lender does */
.hiw-roles {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  max-width: 880px;
  margin: 40px auto;
}
.hiw-role {
  border-radius: 24px;
  padding: 32px 28px;
  position: relative;
  overflow: hidden;
}
.hiw-role-us {
  background: linear-gradient(135deg, var(--primary) 0%, #8a3df5 100%);
  color: var(--white);
}
.hiw-role-them {
  background: var(--white);
  border: 2px solid var(--line);
}
.hiw-role-label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  padding: 5px 12px;
  border-radius: 999px;
  margin-bottom: 16px;
}
.hiw-role-us .hiw-role-label {
  background: rgba(255,255,255,0.18);
  color: var(--white);
}
.hiw-role-them .hiw-role-label {
  background: var(--primary-soft);
  color: var(--primary);
}
.hiw-role h3 {
  font-size: 1.3rem;
  font-weight: 800;
  letter-spacing: -0.01em;
  margin-bottom: 16px;
}
.hiw-role ul {
  list-style: none;
  padding: 0;
  margin: 0;
}
.hiw-role ul li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 8px 0;
  font-size: 0.95rem;
  line-height: 1.55;
}
.hiw-role-us ul li { color: rgba(255,255,255,0.95); }
.hiw-role-them ul li { color: var(--ink); }
.hiw-role ul li::before {
  content: "→";
  flex-shrink: 0;
  font-weight: 800;
  margin-top: 1px;
}
.hiw-role-us ul li::before { color: var(--secondary); }
.hiw-role-them ul li::before { color: var(--primary); }

@media (max-width: 720px) {
  .hiw-hero { padding: 60px 0 30px; }
  .hiw-step { grid-template-columns: 60px 1fr; gap: 16px; }
  .hiw-step:not(:last-child)::before { left: 29px; }
  .hiw-step-num { width: 60px; height: 60px; font-size: 1.5rem; }
  .hiw-step-content { padding: 22px 20px; }
  .hiw-step h3 { font-size: 1.2rem; }
  .hiw-checklist { padding: 32px 24px; }
  .hiw-checklist-grid { grid-template-columns: 1fr; }
  .hiw-roles { grid-template-columns: 1fr; }
  .hiw-role { padding: 24px 22px; }
}

/* ═══════════════════════════════════════════════
   CONTACT PAGE
═══════════════════════════════════════════════ */
.contact-hero {
  padding: 80px 0 40px;
  text-align: center;
  background: var(--white);
  position: relative;
  overflow: hidden;
}
.contact-hero::before {
  content: "";
  position: absolute;
  top: -100px; left: 50%;
  transform: translateX(-50%);
  width: 560px; height: 300px;
  background: var(--primary);
  opacity: 0.08;
  border-radius: 50%;
  filter: blur(80px);
  pointer-events: none;
}
.contact-hero .container { position: relative; z-index: 1; max-width: 720px; }
.contact-hero .eyebrow {
  color: var(--primary);
  font-weight: 700;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 2px;
  background: var(--primary-soft);
  padding: 6px 14px;
  border-radius: 999px;
  display: inline-block;
  margin-bottom: 20px;
}
.contact-hero h1 {
  font-size: clamp(2.2rem, 5vw, 3.6rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1.1;
  margin-bottom: 18px;
}
.contact-hero p {
  font-size: 1.1rem;
  color: var(--ink-soft);
  line-height: 1.6;
  max-width: 560px;
  margin: 0 auto;
}

/* Contact method cards */
.contact-methods {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  max-width: 980px;
  margin: 0 auto 56px;
}
.contact-method {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 20px;
  padding: 32px 26px;
  text-align: center;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}
.contact-method:hover {
  transform: translateY(-4px);
  border-color: var(--primary);
  box-shadow: 0 20px 50px rgba(105,7,241,0.1);
}
.contact-method-icon {
  width: 56px; height: 56px;
  border-radius: 16px;
  background: var(--primary-soft);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 18px;
}
.contact-method:nth-child(2) .contact-method-icon {
  background: rgba(81,245,141,0.2);
  color: #1a9a4a;
}
.contact-method-icon svg { width: 28px; height: 28px; }
.contact-method h3 {
  font-size: 1.1rem;
  font-weight: 700;
  margin-bottom: 8px;
  color: var(--ink);
}
.contact-method p {
  font-size: 0.92rem;
  color: var(--ink-soft);
  line-height: 1.5;
  margin-bottom: 12px;
}
.contact-method a {
  font-weight: 700;
  color: var(--primary);
  text-decoration: none;
  font-size: 1rem;
}
.contact-method a:hover { text-decoration: underline; }

/* Form + side panel layout */
.contact-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: 48px;
  max-width: 1040px;
  margin: 0 auto;
  align-items: start;
}
.contact-form-wrap {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 28px;
  padding: 40px;
}
.contact-form-wrap h2 {
  font-size: 1.6rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  margin-bottom: 6px;
}
.contact-form-wrap > p {
  color: var(--ink-soft);
  margin-bottom: 28px;
  font-size: 0.95rem;
}
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.form-field { margin-bottom: 18px; }
.form-field label {
  display: block;
  font-weight: 600;
  font-size: 0.9rem;
  margin-bottom: 7px;
  color: var(--ink);
}
.form-field input,
.form-field select,
.form-field textarea {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--line);
  border-radius: 12px;
  font-family: inherit;
  font-size: 0.95rem;
  color: var(--ink);
  background: var(--bg-soft);
  transition: border-color 0.2s ease, background 0.2s ease, box-shadow 0.2s ease;
}
.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus {
  outline: none;
  border-color: var(--primary);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(105,7,241,0.1);
}
.form-field textarea { resize: vertical; min-height: 130px; }
.form-note {
  font-size: 0.82rem;
  color: var(--ink-soft);
  background: var(--primary-soft);
  border-radius: 10px;
  padding: 12px 14px;
  margin-bottom: 20px;
  display: flex;
  gap: 10px;
  align-items: flex-start;
  line-height: 1.5;
}
.form-note svg { flex-shrink: 0; color: var(--primary); margin-top: 1px; }
.contact-submit {
  width: 100%;
  background: var(--primary);
  color: var(--white);
  border: none;
  font-family: inherit;
  font-weight: 700;
  font-size: 1rem;
  padding: 16px;
  border-radius: 999px;
  cursor: pointer;
  box-shadow: 0 8px 20px rgba(105,7,241,0.28);
  transition: transform 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
}
.contact-submit:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 28px rgba(105,7,241,0.4);
  background: var(--primary-dark);
}
.form-success {
  display: none;
  background: rgba(81,245,141,0.15);
  border: 1.5px solid var(--secondary);
  border-radius: 14px;
  padding: 20px;
  text-align: center;
  color: var(--ink);
  font-weight: 600;
}
.form-success.show { display: block; }

/* Side info panel */
.contact-side {
  background: linear-gradient(135deg, var(--primary) 0%, #8a3df5 100%);
  border-radius: 28px;
  padding: 36px 32px;
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.contact-side::before {
  content: "";
  position: absolute;
  top: -80px; right: -80px;
  width: 220px; height: 220px;
  background: var(--secondary);
  opacity: 0.22;
  border-radius: 50%;
  filter: blur(50px);
  pointer-events: none;
}
.contact-side h3 {
  font-size: 1.3rem;
  font-weight: 800;
  margin-bottom: 20px;
  position: relative;
  z-index: 1;
}
.contact-side-item {
  display: flex;
  gap: 14px;
  padding: 16px 0;
  border-top: 1px solid rgba(255,255,255,0.18);
  position: relative;
  z-index: 1;
}
.contact-side-item:first-of-type { border-top: none; }
.contact-side-item svg { flex-shrink: 0; width: 22px; height: 22px; margin-top: 2px; color: var(--secondary); }
.contact-side-item strong {
  display: block;
  font-weight: 700;
  font-size: 0.95rem;
  margin-bottom: 2px;
}
.contact-side-item span {
  font-size: 0.88rem;
  opacity: 0.9;
  line-height: 1.5;
}
.contact-side-item a { color: var(--white); text-decoration: underline; }

@media (max-width: 820px) {
  .contact-methods { grid-template-columns: 1fr; max-width: 460px; }
  .contact-grid { grid-template-columns: 1fr; gap: 28px; }
  .contact-form-wrap { padding: 28px 24px; }
}
@media (max-width: 540px) {
  .contact-hero { padding: 60px 0 30px; }
  .form-row { grid-template-columns: 1fr; gap: 0; }
}

/* ═══════════════════════════════════════════════
   LEGAL / POLICY PAGES (privacy, terms, cookies)
═══════════════════════════════════════════════ */
.legal-hero {
  padding: 56px 0 0;
  background: var(--white);
}
.legal-hero .container { max-width: 1280px; }
.legal-hero-panel {
  position: relative;
  overflow: hidden;
  background: linear-gradient(135deg, #0f0a1f 0%, #2a1750 55%, #4d10b8 100%);
  border-radius: 32px;
  padding: 56px;
  color: var(--white);
  display: flex;
  align-items: center;
  gap: 36px;
}
.legal-hero-panel::before {
  content: "";
  position: absolute;
  top: -120px; right: -80px;
  width: 360px; height: 360px;
  background: var(--primary);
  opacity: 0.5;
  border-radius: 50%;
  filter: blur(90px);
  pointer-events: none;
}
.legal-hero-panel::after {
  content: "";
  position: absolute;
  bottom: -140px; left: 30%;
  width: 320px; height: 320px;
  background: var(--secondary);
  opacity: 0.18;
  border-radius: 50%;
  filter: blur(90px);
  pointer-events: none;
}
.legal-hero-badge {
  position: relative;
  z-index: 1;
  flex-shrink: 0;
  width: 96px; height: 96px;
  border-radius: 26px;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.2);
  display: flex;
  align-items: center;
  justify-content: center;
  backdrop-filter: blur(8px);
}
.legal-hero-badge svg { width: 48px; height: 48px; color: var(--secondary); }
.legal-hero-text { position: relative; z-index: 1; }
.legal-hero .eyebrow {
  color: var(--white);
  font-weight: 700;
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 2px;
  background: rgba(255,255,255,0.14);
  padding: 6px 14px;
  border-radius: 999px;
  display: inline-block;
  margin-bottom: 16px;
}
.legal-hero h1 {
  font-size: clamp(2.2rem, 4.5vw, 3.4rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1.05;
  margin-bottom: 18px;
  color: var(--white);
}
.legal-hero-sub {
  font-size: 1.02rem;
  color: rgba(255,255,255,0.8);
  line-height: 1.6;
  max-width: 980px;
  margin-bottom: 20px;
}
.legal-updated {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--white);
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.18);
  padding: 8px 16px;
  border-radius: 999px;
}
.legal-updated svg { width: 15px; height: 15px; color: var(--secondary); }

/* Layout: TOC + content */
.legal-layout {
  display: grid;
  grid-template-columns: 260px 1fr;
  gap: 56px;
  max-width: 1100px;
  margin: 0 auto;
  padding: 50px 0 80px;
  align-items: start;
}
.legal-toc {
  position: sticky;
  top: 96px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 20px;
  padding: 24px 22px;
  box-shadow: 0 10px 30px rgba(15,10,31,0.05);
}
.legal-toc h4 {
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--ink-soft);
  margin-bottom: 14px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--line);
}
.legal-toc ol {
  list-style: none;
  counter-reset: toc;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.legal-toc li { counter-increment: toc; }
.legal-toc a {
  display: flex;
  gap: 12px;
  align-items: center;
  padding: 9px 10px;
  border-radius: 10px;
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--ink-soft);
  text-decoration: none;
  line-height: 1.35;
  transition: background 0.15s ease, color 0.15s ease;
}
.legal-toc a::before {
  content: counter(toc, decimal-leading-zero);
  font-weight: 700;
  font-size: 0.72rem;
  color: var(--primary);
  background: var(--primary-soft);
  width: 26px; height: 26px;
  border-radius: 8px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: background 0.15s ease, color 0.15s ease;
}
.legal-toc a:hover { background: var(--primary-soft); color: var(--primary); }
.legal-toc a:hover::before { background: var(--primary); color: var(--white); }

.legal-content { max-width: 720px; }
.legal-intro {
  font-size: 1.08rem;
  color: var(--ink);
  line-height: 1.7;
  padding: 26px 28px;
  background: linear-gradient(135deg, var(--primary-soft) 0%, #eafff1 100%);
  border-radius: 18px;
  margin-bottom: 44px;
  border: 1px solid var(--line);
}
.legal-section {
  padding: 32px 0;
  border-top: 1px solid var(--line);
  scroll-margin-top: 96px;
}
.legal-section:first-of-type { border-top: none; padding-top: 0; }
.legal-section h2 {
  font-size: 1.5rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  margin-bottom: 18px;
  display: flex;
  align-items: center;
  gap: 14px;
  color: var(--ink);
}
.legal-section h2 .num {
  font-size: 0.95rem;
  color: var(--primary);
  font-weight: 800;
  flex-shrink: 0;
  width: 42px; height: 42px;
  border-radius: 12px;
  background: var(--primary-soft);
  display: inline-flex;
  align-items: center;
  justify-content: center;
}
.legal-section h3 {
  font-size: 1.1rem;
  font-weight: 700;
  margin: 22px 0 10px;
  color: var(--ink);
}
.legal-section p {
  color: var(--ink-soft);
  line-height: 1.75;
  margin-bottom: 14px;
}
.legal-section ul {
  margin: 0 0 16px;
  padding-left: 4px;
  list-style: none;
}
.legal-section ul li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 5px 0;
  color: var(--ink-soft);
  line-height: 1.6;
}
.legal-section ul li::before {
  content: "";
  flex-shrink: 0;
  width: 7px; height: 7px;
  border-radius: 50%;
  background: var(--primary);
  margin-top: 9px;
}
.legal-section a { color: var(--primary); font-weight: 600; text-decoration: none; }
.legal-section a:hover { text-decoration: underline; }
.legal-section strong { color: var(--ink); font-weight: 700; }

.legal-callout {
  background: var(--bg-soft);
  border-left: 4px solid var(--primary);
  border-radius: 0 14px 14px 0;
  padding: 18px 22px;
  margin: 18px 0;
}
.legal-callout p { margin: 0; font-size: 0.95rem; }

.legal-disclaimer {
  margin-top: 40px;
  padding: 20px 24px;
  background: #fff8ec;
  border: 1px solid #f5dca0;
  border-radius: 14px;
  font-size: 0.88rem;
  color: #7a5a12;
  line-height: 1.6;
}

@media (max-width: 900px) {
  .legal-layout { grid-template-columns: 1fr; gap: 28px; padding: 36px 0 60px; }
  .legal-toc { position: static; }
  .legal-toc ol { display: grid; grid-template-columns: 1fr 1fr; gap: 2px; }
  .legal-hero-panel { flex-direction: column; align-items: flex-start; padding: 40px 32px; gap: 24px; }
}
@media (max-width: 540px) {
  .legal-hero { padding: 32px 0 0; }
  .legal-hero-panel { padding: 32px 24px; border-radius: 24px; }
  .legal-hero-badge { width: 72px; height: 72px; border-radius: 20px; }
  .legal-hero-badge svg { width: 36px; height: 36px; }
  .legal-toc ol { grid-template-columns: 1fr; }
  .legal-section h2 { font-size: 1.25rem; }
}

/* ═══════════════════════════════════════════════
   COOKIE TYPE CARDS (cookie policy page)
═══════════════════════════════════════════════ */
.cookie-cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin: 22px 0;
}
.cookie-card {
  position: relative;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 24px 22px;
  overflow: hidden;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}
.cookie-card::before {
  content: "";
  position: absolute;
  top: 0; left: 0;
  width: 4px; height: 100%;
  background: var(--primary);
}
.cookie-card.is-essential::before { background: var(--secondary-dark); }
.cookie-card:hover {
  transform: translateY(-4px);
  border-color: var(--primary);
  box-shadow: 0 18px 40px rgba(105,7,241,0.1);
}
.cookie-card.is-essential:hover { border-color: var(--secondary-dark); box-shadow: 0 18px 40px rgba(81,245,141,0.18); }
.cookie-card-top {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 14px;
}
.cookie-card-icon {
  width: 44px; height: 44px;
  border-radius: 12px;
  background: var(--primary-soft);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.cookie-card.is-essential .cookie-card-icon {
  background: rgba(81,245,141,0.2);
  color: #1a9a4a;
}
.cookie-card-icon svg { width: 22px; height: 22px; }
.cookie-card h3 {
  font-size: 1.08rem;
  font-weight: 700;
  color: var(--ink);
  margin: 0;
  flex: 1;
}
.cookie-card p {
  font-size: 0.92rem;
  color: var(--ink-soft);
  line-height: 1.6;
  margin: 0 0 16px;
}
.cookie-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.74rem;
  font-weight: 700;
  padding: 5px 12px;
  border-radius: 999px;
  white-space: nowrap;
  text-transform: uppercase;
  letter-spacing: 0.4px;
}
.cookie-pill svg { width: 12px; height: 12px; }
.cookie-pill.essential { background: rgba(81,245,141,0.18); color: #1a9a4a; }
.cookie-pill.optional { background: var(--primary-soft); color: var(--primary); }
@media (max-width: 600px) {
  .cookie-cards { grid-template-columns: 1fr; }
}

/* ═══════════════════════════════════════════════
   START APPLICATION (apply wizard)
═══════════════════════════════════════════════ */
.apply-hero {
  padding: 64px 0 24px;
  text-align: center;
  background: var(--white);
  position: relative;
  overflow: hidden;
}
.apply-hero::before {
  content: "";
  position: absolute;
  top: -90px; left: 50%;
  transform: translateX(-50%);
  width: 520px; height: 280px;
  background: var(--primary);
  opacity: 0.08;
  border-radius: 50%;
  filter: blur(70px);
  pointer-events: none;
}
.apply-hero .container { position: relative; z-index: 1; max-width: 640px; }
.apply-hero .eyebrow {
  color: var(--primary);
  font-weight: 700;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 2px;
  background: var(--primary-soft);
  padding: 6px 14px;
  border-radius: 999px;
  display: inline-block;
  margin-bottom: 18px;
}
.apply-hero h1 {
  font-size: clamp(2rem, 4.5vw, 3.2rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1.1;
  margin-bottom: 14px;
}
.apply-hero p { font-size: 1.05rem; color: var(--ink-soft); line-height: 1.6; }

.apply-wrap {
  max-width: 680px;
  margin: 0 auto;
  padding: 0 0 80px;
}
.apply-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 28px;
  padding: 40px;
  box-shadow: 0 20px 50px rgba(15,10,31,0.06);
}

/* Progress bar */
.apply-progress {
  display: flex;
  align-items: center;
  margin-bottom: 36px;
}
.apply-progress-step {
  display: flex;
  align-items: center;
  flex: 1;
}
.apply-progress-step:last-child { flex: 0; }
.aps-dot {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: var(--bg-soft);
  border: 2px solid var(--line);
  color: var(--ink-soft);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.9rem;
  flex-shrink: 0;
  transition: all 0.3s ease;
}
.aps-line {
  flex: 1;
  height: 2px;
  background: var(--line);
  margin: 0 8px;
  transition: background 0.3s ease;
}
.apply-progress-step.done .aps-dot,
.apply-progress-step.active .aps-dot {
  background: var(--primary);
  border-color: var(--primary);
  color: var(--white);
}
.apply-progress-step.done .aps-line { background: var(--primary); }
.apply-progress-step.done .aps-dot::after {
  content: "✓";
}
.apply-progress-step.done .aps-dot .aps-n { display: none; }

/* Steps */
.apply-step { display: none; }
.apply-step.active { display: block; animation: apFade 0.35s ease; }
@keyframes apFade { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: translateY(0); } }
.apply-step-label {
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--primary);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 6px;
}
.apply-step h2 {
  font-size: 1.5rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  margin-bottom: 24px;
}

/* Selectable option cards */
.apply-options { display: grid; gap: 12px; margin-bottom: 8px; }
.apply-options.cols-2 { grid-template-columns: 1fr 1fr; }
.apply-option {
  position: relative;
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px 18px;
  border: 1.5px solid var(--line);
  border-radius: 14px;
  background: var(--bg-soft);
  cursor: pointer;
  transition: all 0.18s ease;
  font-weight: 600;
  color: var(--ink);
}
.apply-option:hover { border-color: var(--primary); background: var(--white); }
.apply-option input { position: absolute; opacity: 0; pointer-events: none; }
.apply-option .ao-check {
  width: 22px; height: 22px;
  border-radius: 50%;
  border: 2px solid var(--line);
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.18s ease;
}
.apply-option input:checked ~ .ao-check {
  border-color: var(--primary);
  background: var(--primary);
}
.apply-option input:checked ~ .ao-check::after {
  content: "✓"; color: #fff; font-size: 0.7rem; font-weight: 800;
}
.apply-option:has(input:checked) {
  border-color: var(--primary);
  background: var(--primary-soft);
}

/* Amount display */
.apply-amount-display {
  text-align: center;
  margin-bottom: 8px;
}
.apply-amount-display .aad-num {
  font-size: 3rem;
  font-weight: 800;
  color: var(--primary);
  letter-spacing: -0.03em;
  line-height: 1;
}
.apply-amount-display .aad-label { font-size: 0.9rem; color: var(--ink-soft); margin-top: 4px; }
.apply-range {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 8px;
  border-radius: 999px;
  background: var(--line);
  outline: none;
  margin: 18px 0 6px;
}
.apply-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 26px; height: 26px;
  border-radius: 50%;
  background: var(--primary);
  cursor: pointer;
  border: 4px solid #fff;
  box-shadow: 0 4px 12px rgba(105,7,241,0.4);
}
.apply-range::-moz-range-thumb {
  width: 26px; height: 26px;
  border-radius: 50%;
  background: var(--primary);
  cursor: pointer;
  border: 4px solid #fff;
  box-shadow: 0 4px 12px rgba(105,7,241,0.4);
}
.apply-range-minmax {
  display: flex;
  justify-content: space-between;
  font-size: 0.8rem;
  color: var(--ink-soft);
  font-weight: 600;
}

/* Form fields inside wizard */
.apply-field { margin-bottom: 18px; }
.apply-field label {
  display: block;
  font-weight: 600;
  font-size: 0.9rem;
  margin-bottom: 7px;
  color: var(--ink);
}
.apply-field input,
.apply-field select {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--line);
  border-radius: 12px;
  font-family: inherit;
  font-size: 0.95rem;
  color: var(--ink);
  background: var(--bg-soft);
  transition: all 0.2s ease;
}
.apply-field input:focus,
.apply-field select:focus {
  outline: none;
  border-color: var(--primary);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(105,7,241,0.1);
}
.apply-consent {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 0.85rem;
  color: var(--ink-soft);
  line-height: 1.5;
  margin: 8px 0 4px;
  cursor: pointer;
}
.apply-consent input { margin-top: 3px; flex-shrink: 0; width: 16px; height: 16px; accent-color: var(--primary); }
.apply-consent a { color: var(--primary); font-weight: 600; }

.apply-note {
  font-size: 0.82rem;
  color: var(--ink-soft);
  background: var(--primary-soft);
  border-radius: 10px;
  padding: 12px 14px;
  margin: 18px 0 0;
  display: flex;
  gap: 10px;
  align-items: flex-start;
  line-height: 1.5;
}
.apply-note svg { flex-shrink: 0; color: var(--primary); margin-top: 1px; }

/* Nav buttons */
.apply-nav {
  display: flex;
  gap: 12px;
  margin-top: 28px;
}
.apply-btn {
  flex: 1;
  padding: 15px;
  border-radius: 999px;
  font-family: inherit;
  font-weight: 700;
  font-size: 1rem;
  cursor: pointer;
  border: none;
  transition: transform 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
}
.apply-btn-next {
  background: var(--primary);
  color: #fff;
  box-shadow: 0 8px 20px rgba(105,7,241,0.28);
}
.apply-btn-next:hover { transform: translateY(-2px); box-shadow: 0 12px 28px rgba(105,7,241,0.4); background: var(--primary-dark); }
.apply-btn-back {
  flex: 0 0 auto;
  padding: 15px 28px;
  background: var(--bg-soft);
  color: var(--ink);
  border: 1.5px solid var(--line);
}
.apply-btn-back:hover { background: var(--white); border-color: var(--primary); color: var(--primary); }

/* Success / matching screen */
.apply-success { display: none; text-align: center; padding: 20px 0; }
.apply-success.show { display: block; animation: apFade 0.4s ease; }
.apply-success-icon {
  width: 88px; height: 88px;
  border-radius: 50%;
  background: rgba(81,245,141,0.18);
  color: #1a9a4a;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
}
.apply-success-icon svg { width: 44px; height: 44px; }
.apply-success h2 { font-size: 1.8rem; font-weight: 800; letter-spacing: -0.02em; margin-bottom: 12px; }
.apply-success p { color: var(--ink-soft); line-height: 1.6; max-width: 440px; margin: 0 auto 28px; }

/* Trust row under card */
.apply-trust {
  display: flex;
  justify-content: center;
  gap: 24px;
  flex-wrap: wrap;
  margin-top: 24px;
}
.apply-trust span {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: 0.82rem;
  color: var(--ink-soft);
  font-weight: 600;
}
.apply-trust svg { width: 15px; height: 15px; color: #1a9a4a; }

@media (max-width: 600px) {
  .apply-card { padding: 28px 22px; }
  .apply-options.cols-2 { grid-template-columns: 1fr; }
  .apply-amount-display .aad-num { font-size: 2.4rem; }
}

/* ═══════════════════════════════════════════════
   CALCULATOR PAGE extras
═══════════════════════════════════════════════ */
.calcpage-hero {
  padding: 64px 0 8px;
  text-align: center;
  background: var(--white);
  position: relative;
  overflow: hidden;
}
.calcpage-hero::before {
  content: "";
  position: absolute;
  top: -90px; left: 50%;
  transform: translateX(-50%);
  width: 540px; height: 280px;
  background: var(--primary);
  opacity: 0.08;
  border-radius: 50%;
  filter: blur(70px);
  pointer-events: none;
}
.calcpage-hero .container { position: relative; z-index: 1; max-width: 680px; }
.calcpage-hero .eyebrow {
  color: var(--primary);
  font-weight: 700;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 2px;
  background: var(--primary-soft);
  padding: 6px 14px;
  border-radius: 999px;
  display: inline-block;
  margin-bottom: 18px;
}
.calcpage-hero h1 {
  font-size: clamp(2rem, 4.5vw, 3.4rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1.1;
  margin-bottom: 14px;
}
.calcpage-hero p { font-size: 1.05rem; color: var(--ink-soft); line-height: 1.6; }

/* Cost explainer */
.cost-explain {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  max-width: 980px;
  margin: 0 auto;
}
.cost-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 26px 22px;
  text-align: center;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.cost-card:hover { transform: translateY(-4px); box-shadow: 0 18px 40px rgba(105,7,241,0.08); }
.cost-card-icon {
  width: 50px; height: 50px;
  border-radius: 14px;
  background: var(--primary-soft);
  color: var(--primary);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 14px;
}
.cost-card:nth-child(2) .cost-card-icon { background: rgba(81,245,141,0.2); color: #1a9a4a; }
.cost-card-icon svg { width: 24px; height: 24px; }
.cost-card h3 { font-size: 1.05rem; font-weight: 700; margin-bottom: 8px; }
.cost-card p { font-size: 0.9rem; color: var(--ink-soft); line-height: 1.55; }

/* Example scenarios */
.scenarios {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  max-width: 980px;
  margin: 0 auto;
}
.scenario {
  background: var(--bg-soft);
  border-radius: 18px;
  padding: 28px 24px;
  border: 1px solid var(--line);
}
.scenario-amt { font-size: 2rem; font-weight: 800; color: var(--primary); letter-spacing: -0.02em; }
.scenario-term { font-size: 0.85rem; color: var(--ink-soft); margin-bottom: 16px; }
.scenario-row {
  display: flex; justify-content: space-between;
  padding: 8px 0;
  font-size: 0.92rem;
  color: var(--ink-soft);
  border-top: 1px solid var(--line);
}
.scenario-row strong { color: var(--ink); }
.scenario-row.total { border-top: 2px solid var(--primary); margin-top: 4px; padding-top: 12px; }
.scenario-row.total strong { color: var(--primary); font-size: 1.05rem; }

@media (max-width: 820px) {
  .cost-explain { grid-template-columns: 1fr; max-width: 460px; }
  .scenarios { grid-template-columns: 1fr; max-width: 460px; }
}

/* ═══════════════════════════════════════════════
   CALCULATOR PAGE — accurate calc + rules
═══════════════════════════════════════════════ */
.cc-card {
  max-width: 920px;
  margin: 0 auto;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 28px;
  padding: 8px;
  box-shadow: 0 24px 60px rgba(15,10,31,0.08);
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
  overflow: hidden;
}
.cc-inputs { padding: 36px 34px; }
.cc-field { margin-bottom: 30px; }
.cc-field:last-child { margin-bottom: 0; }
.cc-label {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 14px;
}
.cc-label span:first-child { font-weight: 600; color: var(--ink); }
.cc-val { font-size: 1.5rem; font-weight: 800; color: var(--primary); letter-spacing: -0.02em; }
.cc-range {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 8px;
  border-radius: 999px;
  background: var(--line);
  outline: none;
}
.cc-range::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 26px; height: 26px; border-radius: 50%;
  background: var(--primary); cursor: pointer;
  border: 4px solid #fff; box-shadow: 0 4px 12px rgba(105,7,241,0.4);
}
.cc-range::-moz-range-thumb {
  width: 26px; height: 26px; border-radius: 50%;
  background: var(--primary); cursor: pointer;
  border: 4px solid #fff; box-shadow: 0 4px 12px rgba(105,7,241,0.4);
}
.cc-bounds { display: flex; justify-content: space-between; font-size: 0.8rem; color: var(--ink-soft); font-weight: 600; margin-top: 8px; }

.cc-result {
  background: linear-gradient(150deg, #1a0f3d 0%, #3d12a8 60%, #6907f1 100%);
  border-radius: 22px;
  padding: 34px 32px;
  color: #fff;
  position: relative;
  overflow: hidden;
}
.cc-result::before {
  content: ""; position: absolute; top: -60px; right: -60px;
  width: 200px; height: 200px; border-radius: 50%;
  background: var(--secondary); opacity: 0.22; filter: blur(50px); pointer-events: none;
}
.cc-cap-badge {
  display: inline-flex; align-items: center; gap: 6px;
  background: rgba(255,255,255,0.15); border: 1px solid rgba(255,255,255,0.2);
  font-size: 0.74rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.5px;
  padding: 5px 12px; border-radius: 999px; margin-bottom: 18px;
  position: relative; z-index: 1;
}
.cc-cap-badge svg { width: 13px; height: 13px; color: var(--secondary); }
.cc-total-label { font-size: 0.85rem; opacity: 0.8; position: relative; z-index: 1; }
.cc-total { font-size: 3rem; font-weight: 800; letter-spacing: -0.03em; line-height: 1; margin: 4px 0 22px; position: relative; z-index: 1; }
.cc-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 11px 0; border-top: 1px solid rgba(255,255,255,0.14);
  font-size: 0.92rem; position: relative; z-index: 1;
}
.cc-row span { opacity: 0.85; }
.cc-row strong { font-weight: 700; }
.cc-row.apr strong { color: var(--secondary); }
.cc-cta {
  display: block; text-align: center; margin-top: 20px;
  background: var(--secondary); color: var(--ink);
  font-weight: 700; padding: 14px; border-radius: 999px;
  text-decoration: none; position: relative; z-index: 1;
  transition: transform 0.2s ease;
}
.cc-cta:hover { transform: translateY(-2px); }

.cc-maxnote {
  max-width: 920px; margin: 14px auto 0;
  font-size: 0.85rem; color: var(--ink-soft); line-height: 1.6;
  text-align: center;
}

/* Rules fact grid */
.rules-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
  max-width: 980px;
  margin: 0 auto;
}
.rule-item {
  display: flex; gap: 14px; align-items: flex-start;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 22px 20px;
}
.rule-ico {
  flex-shrink: 0; width: 42px; height: 42px; border-radius: 11px;
  background: var(--primary-soft); color: var(--primary);
  display: flex; align-items: center; justify-content: center;
}
.rule-ico svg { width: 21px; height: 21px; }
.rule-item:nth-child(even) .rule-ico { background: rgba(81,245,141,0.2); color: #1a9a4a; }
.rule-item h3 { font-size: 1rem; font-weight: 700; margin-bottom: 5px; color: var(--ink); }
.rule-item p { font-size: 0.9rem; color: var(--ink-soft); line-height: 1.55; }

.warn-box {
  max-width: 980px; margin: 28px auto 0;
  background: #fff8ec; border: 1px solid #f5dca0; border-radius: 16px;
  padding: 22px 24px; display: flex; gap: 14px; align-items: flex-start;
}
.warn-box svg { flex-shrink: 0; color: #c8901a; width: 24px; height: 24px; margin-top: 2px; }
.warn-box p { font-size: 0.9rem; color: #7a5a12; line-height: 1.6; margin: 0; }
.warn-box strong { color: #5e4410; }
.warn-box a { color: #8a5a00; font-weight: 700; }

@media (max-width: 760px) {
  .cc-card { grid-template-columns: 1fr; }
  .cc-total { font-size: 2.5rem; }
  .rules-grid { grid-template-columns: 1fr; max-width: 480px; }
}

/* ═══════════════════════════════════════════════
   WHY CHOOSE US PAGE
═══════════════════════════════════════════════ */
.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
  max-width: 1040px;
  margin: 0 auto;
}
.why-feature {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 22px;
  padding: 30px 26px;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}
.why-feature:hover {
  transform: translateY(-5px);
  border-color: var(--primary);
  box-shadow: 0 22px 50px rgba(105,7,241,0.1);
}
.why-ico {
  width: 54px; height: 54px;
  border-radius: 15px;
  background: var(--primary-soft);
  color: var(--primary);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
}
.why-feature:nth-child(3n+2) .why-ico { background: rgba(81,245,141,0.2); color: #1a9a4a; }
.why-ico svg { width: 27px; height: 27px; }
.why-feature h3 { font-size: 1.12rem; font-weight: 700; margin-bottom: 9px; color: var(--ink); letter-spacing: -0.01em; }
.why-feature p { font-size: 0.94rem; color: var(--ink-soft); line-height: 1.6; }

/* Honest highlight band */
.why-honest {
  max-width: 1180px;
  margin: 40px auto 0;
  background: linear-gradient(135deg, #0f0a1f 0%, #2a1750 60%, #4d10b8 100%);
  border-radius: 28px;
  padding: 48px 44px;
  color: #fff;
  position: relative;
  overflow: hidden;
  display: flex;
  gap: 28px;
  align-items: center;
}
.why-honest::before {
  content: ""; position: absolute; top: -90px; right: -60px;
  width: 280px; height: 280px; border-radius: 50%;
  background: var(--secondary); opacity: 0.18; filter: blur(70px); pointer-events: none;
}
.why-honest-ico {
  flex-shrink: 0; width: 112px; height: 112px; border-radius: 22px;
  background: rgba(255,255,255,0.12); border: 1px solid rgba(255,255,255,0.2);
  display: flex; align-items: center; justify-content: center;
  position: relative; z-index: 1;
}
.why-honest-ico svg { width: 42px; height: 42px; color: var(--secondary); }
.why-honest-text { position: relative; z-index: 1; }
.why-honest h2 { font-size: clamp(1.5rem, 3vw, 2rem); font-weight: 800; letter-spacing: -0.02em; margin-bottom: 12px; }
.why-honest p { font-size: 0.9rem; line-height: 1.65; color: rgba(255,255,255,0.85); margin: 0; }
.why-honest a { color: var(--secondary); font-weight: 700; }

@media (max-width: 860px) {
  .why-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 600px) {
  .why-grid { grid-template-columns: 1fr; }
  .why-honest { flex-direction: column; text-align: center; padding: 36px 26px; }
}

/* ═══════════════════════════════════════════════
   DYNAMIC HERO (WordPress shortcode [cashpicks_hero])
═══════════════════════════════════════════════ */
.cp-hero {
  position: relative;
  overflow: hidden;
  background: var(--white);
  padding: 84px 24px;
  text-align: center;
}
.cp-hero::before {
  content: "";
  position: absolute;
  top: -120px; left: 50%;
  transform: translateX(-50%);
  width: 620px; height: 360px;
  background: var(--primary);
  opacity: 0.09;
  border-radius: 50%;
  filter: blur(80px);
  pointer-events: none;
}
.cp-hero::after {
  content: "";
  position: absolute;
  bottom: -120px; right: 6%;
  width: 320px; height: 320px;
  background: var(--secondary);
  opacity: 0.16;
  border-radius: 50%;
  filter: blur(70px);
  pointer-events: none;
}
.cp-hero-inner { position: relative; z-index: 1; max-width: 760px; margin: 0 auto; }
.cp-hero-eyebrow {
  display: inline-block;
  color: var(--primary);
  font-weight: 700;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 2px;
  background: var(--primary-soft);
  padding: 7px 16px;
  border-radius: 999px;
  margin-bottom: 22px;
}
.cp-hero h1 {
  font-size: clamp(2.2rem, 5.2vw, 4rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1.06;
  color: var(--ink);
  margin: 0 0 20px;
}
.cp-hero h1 .hl {
  position: relative;
  display: inline-block;
  color: var(--primary);
}
.cp-hero h1 .hl::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: 4px;
  height: 13px;
  background: var(--secondary);
  opacity: 0.55;
  border-radius: 4px;
  transform: skewX(-8deg);
  z-index: -1;
}
.cp-hero p {
  font-size: 1.15rem;
  color: var(--ink-soft);
  line-height: 1.6;
  max-width: 620px;
  margin: 0 auto 32px;
}
.cp-hero-actions {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 30px;
}
.cp-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--primary);
  color: #fff;
  font-weight: 700;
  font-size: 1rem;
  padding: 15px 30px;
  border-radius: 999px;
  text-decoration: none;
  box-shadow: 0 8px 22px rgba(105,7,241,0.3);
  transition: transform 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
}
.cp-btn:hover { transform: translateY(-2px); box-shadow: 0 12px 30px rgba(105,7,241,0.42); background: var(--primary-dark); }
.cp-btn-ghost {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--bg-soft);
  color: var(--ink);
  border: 1.5px solid var(--line);
  font-weight: 700;
  font-size: 1rem;
  padding: 15px 28px;
  border-radius: 999px;
  text-decoration: none;
  transition: all 0.2s ease;
}
.cp-btn-ghost:hover { border-color: var(--primary); color: var(--primary); background: var(--white); }
.cp-hero-trust {
  display: flex;
  justify-content: center;
  gap: 22px;
  flex-wrap: wrap;
}
.cp-hero-trust span {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: 0.85rem;
  color: var(--ink-soft);
  font-weight: 600;
}
.cp-hero-trust svg { width: 15px; height: 15px; color: #1a9a4a; }
@media (max-width: 600px) { .cp-hero { padding: 60px 20px; } .cp-hero p { font-size: 1.05rem; } }

/* ═══════════════════════════════════════════════
   LATEST BLOG SECTION (WordPress REST API) — image-card / fan style
═══════════════════════════════════════════════ */
.blog-section { padding: 80px 0; overflow: hidden; }
.blog-section .section-head h2 .hl { position: relative; color: var(--primary); display: inline-block; }
.blog-section .section-head h2 .hl::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: 3px; height: 11px;
  background: var(--secondary); opacity: 0.5; border-radius: 4px; transform: skewX(-8deg); z-index: -1;
}
.blog-grid {
  display: flex;
  justify-content: center;
  align-items: flex-end;
  gap: 26px;
  margin-top: 54px;
  flex-wrap: wrap;
}
.blog-card {
  position: relative;
  width: 300px;
  max-width: 100%;
  aspect-ratio: 3 / 4;
  border-radius: 28px;
  overflow: hidden;
  text-decoration: none;
  background: linear-gradient(150deg, var(--primary) 0%, #4d05b0 100%);
  background-size: cover;
  background-position: center;
  box-shadow: 0 20px 44px rgba(15,10,31,0.18);
  transition: transform 0.35s cubic-bezier(.2,.7,.3,1), box-shadow 0.35s ease;
}
/* gentle fan / arch */
.blog-card:nth-child(1) { transform: rotate(-4deg) translateY(16px); }
.blog-card:nth-child(2) { transform: translateY(-6px) scale(1.03); z-index: 2; }
.blog-card:nth-child(3) { transform: rotate(4deg) translateY(16px); }
.blog-card:hover {
  transform: translateY(-8px) rotate(0deg) scale(1.04);
  z-index: 3;
  box-shadow: 0 30px 64px rgba(105,7,241,0.32);
}
.blog-card::after {
  content: "";
  position: absolute; inset: 0;
  background: linear-gradient(to top, rgba(15,10,31,0.9) 0%, rgba(15,10,31,0.45) 38%, rgba(15,10,31,0) 68%);
}
.blog-overlay { position: absolute; left: 0; right: 0; bottom: 0; padding: 24px 22px; z-index: 1; }
.blog-meta {
  display: inline-block;
  color: var(--ink);
  background: var(--secondary);
  font-weight: 700; font-size: 0.72rem;
  text-transform: uppercase; letter-spacing: 0.5px;
  padding: 4px 10px; border-radius: 999px;
  margin-bottom: 12px;
}
.blog-card h3 {
  color: #fff;
  font-size: 1.14rem; font-weight: 700; line-height: 1.32;
  letter-spacing: -0.01em; margin-bottom: 12px;
}
.blog-readmore {
  color: #fff; font-weight: 700; font-size: 0.86rem;
  display: inline-flex; align-items: center; gap: 6px; opacity: 0.92;
  transition: gap 0.2s ease;
}
.blog-card:hover .blog-readmore { gap: 11px; }
.blog-loading, .blog-error { width: 100%; text-align: center; color: var(--ink-soft); padding: 30px 0; font-size: 0.95rem; }
.blog-cta-row { text-align: center; margin-top: 52px; }
@media (max-width: 860px) {
  .blog-grid { gap: 18px; }
  .blog-card { width: 44%; }
  .blog-card:nth-child(1), .blog-card:nth-child(2), .blog-card:nth-child(3) { transform: none; }
  .blog-card:hover { transform: translateY(-6px) scale(1.02); }
}
@media (max-width: 600px) {
  .blog-card { width: 100%; max-width: 340px; }
}

/* ═══════════════════════════════════════════════
   BLOG ARCHIVE PAGE (Blogsy archive.php) — magazine + animations
═══════════════════════════════════════════════ */
/* scroll-reveal */
.cp-reveal { opacity: 0; transform: translateY(28px); transition: opacity 0.7s ease, transform 0.7s cubic-bezier(.2,.7,.3,1); }
.cp-reveal.in { opacity: 1; transform: none; }

.cp-archive-hero {
  position: relative; overflow: hidden;
  text-align: center;
  padding: 84px 24px 56px;
  background: radial-gradient(circle at 50% -10%, var(--primary-soft) 0%, var(--white) 60%);
}
.cp-archive-hero .cp-eyebrow {
  display: inline-block; color: var(--primary); font-weight: 700;
  font-size: 0.82rem; text-transform: uppercase; letter-spacing: 2px;
  background: var(--white); border: 1px solid var(--line);
  padding: 7px 16px; border-radius: 999px; margin-bottom: 20px;
}
.cp-archive-hero h1 { font-size: clamp(2.1rem, 4.6vw, 3.4rem); font-weight: 800; letter-spacing: -0.03em; line-height: 1.08; margin: 0 0 16px; color: var(--ink); }
.cp-archive-hero h1 .hl { position: relative; color: var(--primary); display: inline-block; }
.cp-archive-hero h1 .hl::after { content: ""; position: absolute; left: 0; right: 0; bottom: 4px; height: 12px; background: var(--secondary); opacity: 0.5; border-radius: 4px; transform: skewX(-8deg); z-index: -1; }
.cp-archive-hero p { font-size: 1.1rem; color: var(--ink-soft); max-width: 600px; margin: 0 auto; line-height: 1.6; }

.cp-archive { padding: 44px 0 90px; }

/* filter pills */
.cp-arch-filters { display: flex; flex-wrap: wrap; gap: 10px; justify-content: center; margin-bottom: 40px; }
.cp-pill {
  font-size: 0.9rem; font-weight: 600; color: var(--ink-soft);
  background: var(--bg-soft); border: 1px solid var(--line);
  padding: 9px 18px; border-radius: 999px; text-decoration: none;
  transition: all 0.2s ease;
}
.cp-pill:hover { border-color: var(--primary); color: var(--primary); }
.cp-pill.is-active { background: var(--primary); border-color: var(--primary); color: #fff; }

/* card grid */
.cp-arch-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.cp-arch-card {
  position: relative; aspect-ratio: 4 / 5; border-radius: 24px; overflow: hidden;
  text-decoration: none; background: linear-gradient(150deg, var(--primary) 0%, #4d05b0 100%);
  background-size: cover; background-position: center;
  box-shadow: 0 16px 36px rgba(15,10,31,0.14);
  transition: transform 0.35s cubic-bezier(.2,.7,.3,1), box-shadow 0.35s ease;
}
.cp-arch-card::after { content: ""; position: absolute; inset: 0; background: linear-gradient(to top, rgba(15,10,31,0.92) 0%, rgba(15,10,31,0.4) 42%, rgba(15,10,31,0) 70%); }
.cp-arch-card:hover { transform: translateY(-7px) scale(1.02); box-shadow: 0 30px 60px rgba(105,7,241,0.3); }
.cp-arch-card--featured { grid-column: 1 / -1; aspect-ratio: 21 / 9; }
.cp-arch-card--featured h3 { font-size: clamp(1.7rem, 3.4vw, 2.6rem); max-width: 62%; }
.cp-arch-overlay { position: absolute; left: 0; right: 0; bottom: 0; padding: 28px 26px; z-index: 1; }
.cp-arch-cat {
  display: inline-block; color: var(--ink); background: var(--secondary);
  font-weight: 700; font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.5px;
  padding: 5px 13px; border-radius: 999px; margin-bottom: 14px;
}
.cp-arch-card h3 { color: #fff; font-size: 1.45rem; font-weight: 700; line-height: 1.32; letter-spacing: -0.01em; margin: 0 0 12px; }
.cp-arch-meta { color: rgba(255,255,255,0.82); font-size: 0.95rem; font-weight: 500; margin-bottom: 14px; }
.cp-arch-read { color: #fff; font-weight: 700; font-size: 1rem; display: inline-flex; align-items: center; gap: 6px; opacity: 0.95; transition: gap 0.2s ease; }
.cp-arch-card:hover .cp-arch-read { gap: 11px; }
/* stagger */
.cp-arch-grid .cp-arch-card:nth-child(2) { transition-delay: 0.05s; }
.cp-arch-grid .cp-arch-card:nth-child(3) { transition-delay: 0.10s; }
.cp-arch-grid .cp-arch-card:nth-child(4) { transition-delay: 0.15s; }
.cp-arch-grid .cp-arch-card:nth-child(5) { transition-delay: 0.20s; }
.cp-arch-grid .cp-arch-card:nth-child(6) { transition-delay: 0.25s; }

.cp-arch-empty { text-align: center; color: var(--ink-soft); padding: 50px 0; }

/* pagination */
.cp-pagination { margin-top: 48px; }
.cp-pagination .nav-links { display: flex; gap: 8px; justify-content: center; flex-wrap: wrap; }
.cp-pagination .page-numbers {
  min-width: 42px; height: 42px; display: inline-flex; align-items: center; justify-content: center;
  padding: 0 14px; border-radius: 12px; border: 1px solid var(--line);
  color: var(--ink); text-decoration: none; font-weight: 600; background: var(--white);
  transition: all 0.2s ease;
}
.cp-pagination .page-numbers:hover { border-color: var(--primary); color: var(--primary); }
.cp-pagination .page-numbers.current { background: var(--primary); border-color: var(--primary); color: #fff; }

/* newsletter band */
.cp-news { padding: 0 24px 80px; }
.cp-news-inner {
  position: relative; overflow: hidden;
  max-width: 900px; margin: 0 auto;
  background: linear-gradient(135deg, #1a0f3d 0%, #3d12a8 55%, #6907f1 100%);
  border-radius: 30px; padding: 54px 44px; text-align: center; color: #fff;
}
.cp-news-inner::before { content: ""; position: absolute; top: -80px; right: -40px; width: 260px; height: 260px; border-radius: 50%; background: var(--secondary); opacity: 0.2; filter: blur(60px); }
.cp-news-inner h2 { color: #fff; font-size: clamp(1.7rem, 3.2vw, 2.4rem); font-weight: 800; letter-spacing: -0.02em; margin-bottom: 12px; position: relative; z-index: 1; }
.cp-news-inner p { color: rgba(255,255,255,0.85); max-width: 480px; margin: 0 auto 26px; line-height: 1.6; position: relative; z-index: 1; }
.cp-news-form { display: flex; gap: 10px; max-width: 460px; margin: 0 auto 14px; position: relative; z-index: 1; }
.cp-news-form input {
  flex: 1; padding: 14px 18px; border-radius: 999px; border: none;
  font-family: inherit; font-size: 0.95rem; color: var(--ink); background: #fff;
}
.cp-news-form input:focus { outline: 3px solid rgba(81,245,141,0.5); }
.cp-news .cp-btn { background: var(--secondary); color: var(--ink); box-shadow: none; }
.cp-news .cp-btn:hover { background: var(--secondary-dark); transform: translateY(-2px); }
.cp-news-note { font-size: 0.8rem; color: rgba(255,255,255,0.7); position: relative; z-index: 1; }

@media (max-width: 860px) {
  .cp-arch-grid { grid-template-columns: 1fr 1fr; }
  .cp-arch-card--featured { aspect-ratio: 16 / 10; }
  .cp-arch-card--featured h3 { max-width: 100%; }
}
@media (max-width: 600px) {
  .cp-arch-grid { grid-template-columns: 1fr; }
  .cp-arch-card, .cp-arch-card--featured { aspect-ratio: 4 / 3; }
  .cp-news-form { flex-direction: column; }
  .cp-news-form .cp-btn { width: 100%; }
}

/* ═══════════════════════════════════════════════
   HOMEPAGE CONTENT — lender table, guides, explained
═══════════════════════════════════════════════ */
.lender-table-wrap { max-width: 1040px; margin: 44px auto 0; overflow-x: auto; border-radius: 20px; border: 1px solid var(--line); box-shadow: 0 14px 36px rgba(15,10,31,0.05); }
.lender-table { width: 100%; border-collapse: collapse; background: var(--white); min-width: 720px; }
.lender-table thead th {
  background: var(--ink); color: #fff; text-align: left;
  font-size: 0.78rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.6px;
  padding: 16px 18px;
}
.lender-table tbody td { padding: 18px; border-top: 1px solid var(--line); font-size: 0.94rem; color: var(--ink-soft); vertical-align: middle; }
.lender-table tbody tr:hover { background: var(--bg-soft); }
.lender-table .lender-name { font-weight: 700; color: var(--ink); }
.lender-view { display: inline-block; background: var(--primary-soft); color: var(--primary); font-weight: 700; font-size: 0.85rem; padding: 8px 16px; border-radius: 999px; text-decoration: none; white-space: nowrap; transition: all 0.2s ease; }
.lender-view:hover { background: var(--primary); color: #fff; }
.table-note { max-width: 1040px; margin: 14px auto 0; font-size: 0.84rem; color: var(--ink-soft); text-align: center; line-height: 1.55; }

.explained-text { max-width: 960px; margin: 0 auto 14px; color: var(--ink-soft); font-size: 1.02rem; line-height: 1.7; }
.explained-text strong { color: var(--ink); }

.guides-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; max-width: 1040px; margin: 44px auto 0; }
.guide-card { display: flex; flex-direction: column; background: var(--white); border: 1px solid var(--line); border-radius: 18px; padding: 26px 24px; text-decoration: none; transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease; }
.guide-card:hover { transform: translateY(-5px); border-color: var(--primary); box-shadow: 0 20px 44px rgba(105,7,241,0.1); }
.guide-card h3 { font-size: 1.08rem; font-weight: 700; color: var(--ink); line-height: 1.32; margin-bottom: 10px; letter-spacing: -0.01em; }
.guide-card p { font-size: 0.92rem; color: var(--ink-soft); line-height: 1.55; flex: 1; margin-bottom: 16px; }
.guide-card .guide-link { font-size: 0.9rem; font-weight: 700; color: var(--primary); display: inline-flex; align-items: center; gap: 6px; transition: gap 0.2s ease; }
.guide-card:hover .guide-link { gap: 10px; }

@media (max-width: 860px) { .guides-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 600px) { .guides-grid { grid-template-columns: 1fr; } }


/* ═══════════════════════════════════════════════
   LENDER COMPARISON TABLE (custom, branded)
═══════════════════════════════════════════════ */
.cmp-wrap {
  max-width: 1000px; margin: 44px auto 0;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 24px;
  overflow: hidden;
  box-shadow: 0 24px 60px rgba(15,10,31,0.1);
}
.cmp-head-row {
  display: grid; grid-template-columns: 2fr 1.3fr 1.4fr auto; gap: 16px;
  padding: 16px 28px; background: var(--ink); color: rgba(255,255,255,0.7);
  font-size: 0.74rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.6px;
  align-items: center;
}
.cmp-row {
  display: grid; grid-template-columns: 2fr 1.3fr 1.4fr auto; gap: 16px;
  padding: 20px 28px; align-items: center; border-bottom: 1px solid var(--line);
  transition: background 0.2s ease;
}
.cmp-row:last-child { border-bottom: none; }
.cmp-row:hover { background: var(--bg-soft); }
.cmp-brand { display: flex; align-items: center; gap: 14px; }
.cmp-logo {
  width: 144px; height: 54px; border-radius: 12px; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  overflow: hidden; padding: 9px 12px;
}
.cmp-logo img { max-width: 100%; max-height: 100%; object-fit: contain; display: block; }
.cmp-logo.is-light { background: #fff; border: 1px solid var(--line); }
.cmp-logo.is-dark { background: #000; }
.cmp-name { font-weight: 700; color: var(--ink); font-size: 1rem; line-height: 1.2; display: block; }
.cmp-sub { display: block; font-weight: 500; font-size: 0.8rem; color: var(--ink-soft); margin-top: 3px; }
.cmp-k { display: none; }
.cmp-v { font-weight: 700; color: var(--ink); font-size: 0.98rem; }
.cmp-v.apr { color: #1a9a4a; }
.cmp-apply {
  background: var(--primary); color: #fff; font-weight: 700; font-size: 0.9rem;
  padding: 11px 24px; border-radius: 999px; text-decoration: none; white-space: nowrap;
  box-shadow: 0 6px 16px rgba(105,7,241,0.28); transition: transform 0.2s ease, background 0.2s ease, box-shadow 0.2s ease;
}
.cmp-apply:hover { background: var(--primary-dark); transform: translateY(-2px); box-shadow: 0 10px 24px rgba(105,7,241,0.4); }
.cmp-disclaimer { max-width: 1000px; margin: 16px auto 0; font-size: 0.8rem; color: var(--ink-soft); text-align: center; line-height: 1.6; }

@media (max-width: 720px) {
  .cmp-head-row { display: none; }
  .cmp-row { grid-template-columns: 1fr; gap: 12px; padding: 22px; }
  .cmp-cell { display: flex; justify-content: space-between; align-items: center; }
  .cmp-k { display: inline; font-size: 0.78rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.5px; color: var(--ink-soft); }
  .cmp-apply { display: block; text-align: center; margin-top: 4px; }
}

/* ═══════════════════════════════════════════════
   PAYDAY RULES BY PROVINCE
═══════════════════════════════════════════════ */
.prov-grid {
  display: grid; grid-template-columns: repeat(auto-fill, minmax(232px, 1fr));
  gap: 16px; max-width: 1040px; margin: 44px auto 0;
}
.prov-card {
  background: var(--white); border: 1px solid var(--line); border-radius: 18px;
  padding: 22px 20px; transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}
.prov-card:hover { transform: translateY(-4px); border-color: var(--primary); box-shadow: 0 18px 40px rgba(105,7,241,0.09); }
.prov-card h3 { font-size: 1.05rem; font-weight: 700; color: var(--ink); margin-bottom: 12px; letter-spacing: -0.01em; }
.prov-cost {
  display: inline-block; font-weight: 800; font-size: 0.92rem;
  background: rgba(81,245,141,0.18); color: #1a9a4a;
  padding: 5px 12px; border-radius: 999px; margin-bottom: 12px;
}
.prov-card.muted .prov-cost { background: var(--line); color: var(--ink-soft); }
.prov-max { font-size: 0.85rem; color: var(--ink-soft); margin-bottom: 10px; }
.prov-max strong { color: var(--ink); }
.prov-note { font-size: 0.88rem; color: var(--ink-soft); line-height: 1.5; }
.prov-disclaimer { max-width: 1040px; margin: 18px auto 0; font-size: 0.8rem; color: var(--ink-soft); text-align: center; line-height: 1.6; }

/* experience / E-E-A-T bar */
.exp-bar { max-width: 1200px; margin: 0 auto; display: flex; gap: 16px; align-items: center; background: var(--bg-soft); border: 1px solid var(--line); border-radius: 16px; padding: 18px 22px; margin-top: 70px; }
.exp-ico { width: 46px; height: 46px; border-radius: 50%; background: var(--primary-soft); color: var(--primary); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.exp-ico svg { width: 23px; height: 23px; }
.exp-bar p { margin: 0; font-size: 0.9rem; color: var(--ink-soft); line-height: 1.6; }
.exp-bar strong { color: var(--ink); font-weight: 700; }
@media (max-width: 600px) { .exp-bar { flex-direction: column; text-align: center; padding: 20px; } }