/* PaySalaryLoan design system v2
   Brand colours sampled from the logo: navy wordmark, electric blue "Salary", speed-line green. */
:root {
  --navy-900: #071a45;
  --navy-800: #0b2768;
  --navy-700: #12358a;
  --blue-600: #0f62fe;
  --blue-500: #2a7bff;
  --blue-200: #c9dbff;
  --blue-100: #e6efff;
  --blue-50:  #f3f7ff;
  --green-600: #13945f;
  --green-500: #1fb67c;
  --green-100: #dff6eb;
  --amber-600: #b45309;
  --amber-100: #fdecc8;
  --amber-50: #fff8eb;
  --red-600: #c62828;
  --red-50: #fff1f1;

  --ink: #0d1b3a;
  --ink-2: #44506b;
  --ink-3: #6b7690;
  --line: #e3e8f2;
  --bg: #ffffff;
  --bg-soft: #f5f8fd;

  --radius-sm: 10px;
  --radius: 16px;
  --radius-lg: 24px;
  --shadow-sm: 0 1px 2px rgba(7,26,69,.06), 0 1px 3px rgba(7,26,69,.05);
  --shadow: 0 12px 32px -14px rgba(7,26,69,.20), 0 2px 6px rgba(7,26,69,.05);
  --shadow-lg: 0 30px 60px -22px rgba(7,26,69,.32);

  --font: "Plus Jakarta Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --container: 1200px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; scroll-padding-top: 110px; }
body { margin: 0; font-family: var(--font); font-size: 16px; line-height: 1.6; color: var(--ink); background: var(--bg); -webkit-font-smoothing: antialiased; overflow-x: hidden; }
img { max-width: 100%; display: block; }
a { color: var(--blue-600); text-decoration: none; }
a:hover { text-decoration: underline; }
h1, h2, h3, h4 { line-height: 1.15; margin: 0 0 .5em; letter-spacing: -0.02em; color: var(--navy-900); }
h1 { font-size: clamp(2.1rem, 4.6vw, 3.4rem); font-weight: 800; }
h2 { font-size: clamp(1.65rem, 3.2vw, 2.4rem); font-weight: 800; }
h3 { font-size: 1.15rem; font-weight: 700; }
p { margin: 0 0 1em; }
:focus-visible { outline: 3px solid var(--blue-500); outline-offset: 2px; border-radius: 6px; }
.ic { flex: none; }
[hidden] { display: none !important; }

.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 20px; }
.container--narrow { max-width: 820px; }
.section { padding: 88px 0; }
.section--soft { background: var(--bg-soft); }
.section--tight { padding: 56px 0; }
.section--first { padding-top: 56px; }
.center { text-align: center; }
.center .lead { margin-left: auto; margin-right: auto; }
.lead { font-size: 1.1rem; color: var(--ink-2); max-width: 640px; }
.small-note { font-size: .82rem; color: var(--ink-3); }
.eyebrow { display: inline-flex; align-items: center; gap: 8px; font-size: .76rem; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; color: var(--blue-600); margin-bottom: 12px; }
.eyebrow::before, .center .eyebrow::after { content: ""; width: 22px; height: 2px; border-radius: 2px; background: var(--green-500); }
.eyebrow--light { color: #9cc0ff; }
.section-head { margin-bottom: 44px; }
.section-head--row { display: flex; justify-content: space-between; align-items: flex-end; gap: 20px; flex-wrap: wrap; }
.section-head--row h2 { margin: 0; }
.skip-link { position: absolute; left: -999px; top: 8px; background: var(--navy-900); color: #fff; padding: 8px 14px; border-radius: 8px; z-index: 100; }
.skip-link:focus { left: 8px; }
.link-arrow { display: inline-flex; align-items: center; gap: 6px; font-weight: 700; }
.ph { background: rgba(255,207,102,.16); color: #ffcf66; padding: 0 4px; border-radius: 4px; }
.ph-light { background: #fff3d6; color: #8a5a00; padding: 0 4px; border-radius: 4px; }
.placeholder-note { font-size: .78rem; color: var(--amber-600); text-align: center; margin-top: 18px; }

/* ---------- Buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; font: inherit; font-weight: 700; font-size: .98rem; padding: 13px 22px; border-radius: 999px; border: 2px solid transparent; cursor: pointer; transition: transform .15s, box-shadow .15s, background .15s, border-color .15s; text-decoration: none !important; white-space: nowrap; min-height: 48px; }
.btn:active { transform: translateY(1px); }
.btn--lg { padding: 15px 28px; min-height: 54px; font-size: 1.02rem; }
.btn--sm { padding: 9px 18px; min-height: 40px; font-size: .9rem; }
.btn--block { width: 100%; }
.btn--primary { background: var(--blue-600); color: #fff; box-shadow: 0 10px 22px -10px rgba(15,98,254,.7); }
.btn--primary:hover { background: #0a55e0; box-shadow: 0 14px 26px -10px rgba(15,98,254,.8); }
.btn--green { background: var(--green-500); color: #fff; box-shadow: 0 10px 22px -10px rgba(31,182,124,.7); }
.btn--green:hover { background: var(--green-600); }
.btn--ghost { background: #fff; color: var(--navy-800); border-color: var(--line); }
.btn--ghost:hover { border-color: var(--navy-800); }
.btn--white { background: #fff; color: var(--navy-900); }
.btn[disabled] { opacity: .5; cursor: not-allowed; box-shadow: none; }
.link-btn { background: none; border: 0; color: var(--blue-600); font: inherit; font-weight: 700; cursor: pointer; padding: 0; }
.link-btn[disabled] { color: var(--ink-3); cursor: default; }

/* ---------- Pills, chips ---------- */
.pill { display: inline-flex; align-items: center; gap: 8px; background: var(--blue-50); border-left: 3px solid var(--green-500); color: var(--navy-800); font-size: .8rem; font-weight: 700; padding: 6px 12px; border-radius: 0 6px 6px 0; margin-bottom: 18px; }
.pill .ic { color: var(--blue-600); }
.chips { display: flex; flex-wrap: wrap; gap: 10px; }
.chip { display: inline-flex; align-items: center; gap: 6px; padding: 9px 16px; border-radius: 999px; border: 1px solid var(--line); background: #fff; font-weight: 600; font-size: .9rem; color: var(--navy-800); }
a.chip:hover { border-color: var(--blue-600); color: var(--blue-600); text-decoration: none; }
.chip--static .ic { color: var(--green-500); }
.tick { width: 22px; height: 22px; border-radius: 50%; background: var(--green-100); color: var(--green-600); display: inline-grid; place-items: center; flex: none; }

/* ---------- Top bar + floating header ---------- */
.topbar { background: var(--navy-900); color: #c9d5f2; font-size: .8rem; }
.topbar .container { display: flex; justify-content: space-between; gap: 16px; padding-top: 7px; padding-bottom: 7px; }
.topbar p { margin: 0; display: flex; align-items: center; gap: 8px; }
.topbar a { color: #fff; font-weight: 600; }
.topbar__warn .ic { color: #ffcf66; }

.header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.96); backdrop-filter: saturate(180%) blur(14px); border-bottom: 1px solid var(--line); transition: box-shadow .2s; }
.header__inner { display: flex; align-items: center; justify-content: space-between; gap: 20px; height: 72px; }
.header.is-scrolled { box-shadow: 0 6px 20px -12px rgba(7,26,69,.25); }
.brand img { height: 32px; width: auto; }
.nav { display: flex; align-items: center; gap: 2px; }
.nav__link { display: inline-flex; align-items: center; gap: 4px; color: var(--ink-2); font: inherit; font-weight: 600; font-size: .94rem; padding: 9px 13px; border-radius: 10px; background: none; border: 0; cursor: pointer; }
.nav__link:hover, .nav__item--drop.is-open > .nav__link { color: var(--navy-900); background: var(--bg-soft); text-decoration: none; }
.nav__link .ic { transition: transform .2s; }
.nav__item--drop.is-open > .nav__link .ic { transform: rotate(180deg); }
.nav__link--mobile { display: none; }
.nav__item--drop { position: relative; }
.mega { position: absolute; top: calc(100% + 16px); left: -40px; width: 640px; display: grid; grid-template-columns: 1.5fr 1fr; background: #fff; border: 1px solid var(--line); border-radius: 18px; box-shadow: var(--shadow-lg); overflow: hidden; opacity: 0; visibility: hidden; transform: translateY(6px); transition: opacity .18s, transform .18s, visibility .18s; }
.nav__item--drop.is-open .mega { opacity: 1; visibility: visible; transform: none; }
.mega__col { padding: 18px; display: flex; flex-direction: column; gap: 2px; }
.mega__col--soft { background: var(--bg-soft); }
.mega__col--soft a { color: var(--ink-2); font-weight: 600; font-size: .88rem; padding: 5px 8px; border-radius: 8px; }
.mega__col--soft a:hover { color: var(--blue-600); background: #fff; text-decoration: none; }
.mega__label { font-size: .7rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; color: var(--ink-3); padding: 6px 8px; }
.mega__col--soft .mega__label:not(:first-child) { margin-top: 10px; }
.mega__link { display: flex; gap: 12px; align-items: flex-start; padding: 10px; border-radius: 12px; color: var(--ink); }
.mega__link:hover { background: var(--blue-50); text-decoration: none; }
.mega__link b { display: block; font-size: .93rem; color: var(--navy-900); }
.mega__link small { color: var(--ink-3); font-size: .8rem; line-height: 1.4; display: block; }
.mega__icon { width: 36px; height: 36px; border-radius: 10px; background: var(--blue-100); color: var(--blue-600); display: grid; place-items: center; flex: none; }
.header__cta { display: flex; gap: 8px; align-items: center; }
.menu-toggle { display: none; width: 44px; height: 44px; border: 0; background: var(--bg-soft); border-radius: 12px; cursor: pointer; flex-direction: column; justify-content: center; align-items: center; gap: 5px; }
.menu-toggle span { width: 20px; height: 2px; background: var(--navy-900); border-radius: 2px; transition: transform .2s, opacity .2s; }
.menu-toggle[aria-expanded=true] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.menu-toggle[aria-expanded=true] span:nth-child(2) { opacity: 0; }
.menu-toggle[aria-expanded=true] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- Hero (home) ---------- */
.hero { position: relative; padding: 64px 0 72px; background:
  radial-gradient(800px 480px at 88% 8%, rgba(42,123,255,.16), transparent 60%),
  radial-gradient(700px 420px at 0% 100%, rgba(31,182,124,.13), transparent 60%),
  linear-gradient(180deg, #f8fbff, #eef4ff); overflow: hidden; }
.hero::before { content: ""; position: absolute; inset: 0; background-image: radial-gradient(rgba(15,98,254,.10) 1px, transparent 1px); background-size: 22px 22px; mask-image: linear-gradient(180deg, transparent, #000 30%, #000 70%, transparent); pointer-events: none; }
.hero__grid { position: relative; display: grid; grid-template-columns: 1.08fr .92fr; gap: 56px; align-items: center; }
.hero h1 { margin-bottom: 18px; }
.accent { color: var(--blue-600); }
.hero__sub, .page-hero__lead { font-size: 1.1rem; color: var(--ink-2); max-width: 560px; margin-bottom: 26px; }
.hero__ctas { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 28px; }
.hero__points { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px 24px; max-width: 520px; }
.hero__points li { display: flex; gap: 10px; align-items: center; font-weight: 600; color: var(--navy-800); font-size: .95rem; }

/* ---------- Calculator ---------- */
.calc { background: #fff; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); border: 1px solid var(--line); padding: 30px 28px 24px; position: relative; }
.calc::before { content: ""; position: absolute; inset: 0 0 auto; height: 5px; border-radius: var(--radius-lg) var(--radius-lg) 0 0; background: linear-gradient(90deg, var(--blue-600), var(--green-500)); }
.calc__badge { position: absolute; top: -15px; left: 24px; display: inline-flex; align-items: center; gap: 6px; background: var(--green-500); color: #fff; font-size: .74rem; font-weight: 700; padding: 6px 12px; border-radius: 999px; }
.calc__title { font-size: 1.35rem; margin: 6px 0 2px; }
.calc__sub { color: var(--ink-3); font-size: .88rem; margin-bottom: 20px; }
.field-range { margin-bottom: 20px; }
.field-range__top { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 10px; }
.field-range label { font-weight: 600; color: var(--ink-2); font-size: .9rem; }
.field-range output { font-weight: 800; font-size: 1.35rem; color: var(--navy-900); }
.field-range__limits { display: flex; justify-content: space-between; font-size: .74rem; color: var(--ink-3); margin-top: 6px; }
input[type=range] { -webkit-appearance: none; appearance: none; width: 100%; height: 8px; border-radius: 99px; background: linear-gradient(to right, var(--blue-600) var(--fill, 50%), var(--blue-100) var(--fill, 50%)); outline: none; margin: 8px 0; }
input[type=range]::-webkit-slider-thumb { -webkit-appearance: none; width: 26px; height: 26px; border-radius: 50%; background: #fff; border: 6px solid var(--blue-600); box-shadow: 0 2px 8px rgba(15,98,254,.4); cursor: grab; }
input[type=range]::-moz-range-thumb { width: 16px; height: 16px; border-radius: 50%; background: #fff; border: 6px solid var(--blue-600); cursor: grab; }
.calc__result { background: var(--blue-50); border-radius: var(--radius); padding: 18px; margin-bottom: 16px; }
.calc__rows { display: grid; grid-template-columns: 1fr auto; gap: 9px 16px; font-size: .88rem; color: var(--ink-2); margin: 0; }
.calc__rows dt { margin: 0; }
.calc__rows dd { margin: 0; text-align: right; font-weight: 700; color: var(--navy-900); }
.calc__total { display: flex; justify-content: space-between; align-items: center; border-top: 1px dashed #c5d4f5; margin-top: 14px; padding-top: 14px; }
.calc__total span { font-weight: 600; color: var(--ink-2); }
.calc__total strong { font-size: 1.5rem; color: var(--blue-600); font-weight: 800; }
.calc__apr { font-size: .76rem; color: var(--ink-3); margin-top: 8px; }
.calc__form { display: flex; gap: 10px; }
.calc__form .btn { border-radius: 14px; }
.calc__consent { font-size: .74rem; color: var(--ink-3); margin: 10px 0 0; line-height: 1.5; }
.phone-input { flex: 1; display: flex; align-items: center; border: 2px solid var(--line); border-radius: 14px; background: #fff; transition: border-color .15s; min-width: 0; }
.phone-input:focus-within { border-color: var(--blue-600); }
.phone-input.is-invalid { border-color: var(--red-600); }
.phone-input > span { padding: 0 4px 0 14px; font-weight: 700; color: var(--ink-2); }
.phone-input input { border: 0 !important; outline: 0; font: inherit; font-weight: 600; padding: 12px 12px 12px 4px; width: 100%; min-width: 0; background: transparent; color: var(--ink); min-height: 0 !important; }
.phone-input .counter { font-style: normal; font-size: .76rem; color: var(--ink-3); padding-right: 14px; font-weight: 600; }

/* ---------- Trust strip, stats ---------- */
.strip { background: var(--navy-900); color: #d6e0f7; }
.strip .container { padding-top: 16px; padding-bottom: 16px; }
.strip__items { display: flex; flex-wrap: wrap; gap: 10px 32px; align-items: center; justify-content: center; }
.strip__item { display: flex; align-items: center; gap: 8px; font-weight: 600; font-size: .88rem; }
.strip__item .ic { color: #4fe0a6; }

/* ---------- About split ---------- */
.about-split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }

/* ---------- Steps ---------- */
.steps { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; position: relative; }
.steps::before { content: none; }
.step { position: relative; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px 22px; transition: transform .2s, box-shadow .2s; }
.step:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.step__label { display: block; font-size: .72rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; color: var(--green-600); margin-bottom: 4px; }
.step__icon { width: 46px; height: 46px; border-radius: 50%; background: var(--blue-50); color: var(--blue-600); border: 2px solid var(--blue-200); display: grid; place-items: center; margin-bottom: 16px; }
.step:last-child .step__icon { background: var(--green-100); color: var(--green-600); border-color: #a9e6c9; }
.step p { color: var(--ink-2); font-size: .93rem; margin: 0; }
.step__time { display: inline-block; margin-top: 14px; font-size: .76rem; font-weight: 700; color: var(--blue-600); background: var(--blue-100); padding: 4px 10px; border-radius: 999px; }
.step__time--green { color: var(--green-600); background: var(--green-100); }

/* ---------- Products ---------- */
.products { display: grid; grid-template-columns: repeat(6, 1fr); gap: 20px; }
.product { grid-column: span 2; display: flex; flex-direction: column; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; color: var(--ink); position: relative; overflow: hidden; transition: transform .2s, box-shadow .2s, border-color .2s; }
.product:nth-child(4), .product:nth-child(5) { grid-column: span 3; }
.products:has(> :nth-child(4):last-child) .product { grid-column: span 3; }
.product::after { content: ""; position: absolute; left: 0; right: 0; top: 0; height: 4px; background: linear-gradient(90deg, var(--blue-600), var(--green-500)); transform: scaleX(0); transform-origin: left; transition: transform .3s; }
.product:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: var(--blue-200); text-decoration: none; }
.product:hover::after { transform: scaleX(1); }
.product__icon { width: 50px; height: 50px; border-radius: 14px; background: var(--blue-100); color: var(--blue-600); display: grid; place-items: center; margin-bottom: 18px; }
.product:nth-child(even) .product__icon { background: var(--green-100); color: var(--green-600); }
.product p { color: var(--ink-2); font-size: .94rem; flex: 1; }
.product__more { display: inline-flex; align-items: center; gap: 6px; font-weight: 700; color: var(--blue-600); font-size: .92rem; }

/* ---------- Features ---------- */
.features { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.feature { padding: 26px; border-radius: var(--radius); background: #fff; border: 1px solid var(--line); }
.feature__icon { width: 48px; height: 48px; border-radius: 14px; display: grid; place-items: center; background: var(--blue-100); color: var(--blue-600); margin-bottom: 16px; }
.feature:nth-child(even) .feature__icon { background: var(--green-100); color: var(--green-600); }
.feature p { color: var(--ink-2); margin: 0; font-size: .94rem; }
.features--compact .feature { padding: 22px; }

/* ---------- Needs ---------- */
.needs { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.need { display: flex; align-items: center; gap: 16px; padding: 20px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); color: var(--ink); transition: border-color .2s, box-shadow .2s; }
.need:hover { border-color: var(--blue-200); box-shadow: var(--shadow); text-decoration: none; }
.need > span:nth-child(2) { flex: 1; }
.need b { display: block; color: var(--navy-900); }
.need small { color: var(--ink-3); font-size: .84rem; line-height: 1.4; display: block; }
.need > .ic { color: var(--blue-600); transition: transform .2s; }
.need:hover > .ic { transform: translateX(4px); }
.need__icon { width: 48px; height: 48px; border-radius: 14px; background: linear-gradient(140deg, var(--blue-100), var(--green-100)); color: var(--navy-800); display: grid; place-items: center; flex: none; }

/* ---------- Eligibility / panels ---------- */
.elig { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.panel { background: #fff; border-radius: var(--radius-lg); padding: 34px; border: 1px solid var(--line); }
.panel--navy { background: linear-gradient(160deg, var(--navy-800), var(--navy-900)); color: #d6e0f7; border: 0; }
.panel--navy h3 { color: #fff; }
.checklist { list-style: none; padding: 0; margin: 18px 0 0; display: grid; gap: 14px; }
.checklist li { display: flex; gap: 12px; align-items: flex-start; color: var(--ink-2); }
.checklist strong { display: block; color: var(--navy-900); }
.panel--navy .checklist strong { color: #fff; }
.checklist small { color: var(--ink-3); font-size: .86rem; }
.panel--navy .checklist small { color: #a9b8de; }
.panel--navy .tick { background: rgba(31,182,124,.18); color: #4fe0a6; }

/* ---------- Key facts / know ---------- */
.know { display: grid; grid-template-columns: .9fr 1.1fr; gap: 56px; align-items: center; }
.facts { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
.fact { background: var(--bg-soft); border: 1px solid var(--line); border-radius: 14px; padding: 16px 18px; }
.fact span { display: block; font-size: .78rem; color: var(--ink-3); font-weight: 600; margin-bottom: 4px; }
.fact strong { color: var(--navy-900); font-size: 1.02rem; }

/* ---------- Testimonials ---------- */
.reviews { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.review { margin: 0; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; display: flex; flex-direction: column; }
.stars { color: #d7dce6; letter-spacing: 2px; margin-bottom: 12px; font-size: 1.05rem; }
.stars .on { color: #f5a524; }
.review blockquote { margin: 0 0 20px; color: var(--ink-2); flex: 1; }
.review__who { display: flex; align-items: center; gap: 12px; }
.avatar { width: 42px; height: 42px; border-radius: 50%; display: grid; place-items: center; font-weight: 800; color: #fff; background: var(--blue-600); }
.review:nth-child(2) .avatar { background: var(--green-500); }
.review:nth-child(3) .avatar { background: var(--navy-700); }
.review__who strong { display: block; color: var(--navy-900); font-size: .95rem; }
.review__who small { color: var(--ink-3); }

/* ---------- App band ---------- */
.app-band { display: grid; grid-template-columns: 1.2fr .8fr; gap: 32px; align-items: center; background: linear-gradient(120deg, var(--navy-900), var(--navy-700) 60%, var(--blue-600)); border-radius: var(--radius-lg); padding: 48px 56px 0; overflow: hidden; color: #c9d5f2; }
.app-band h2 { color: #fff; }
.app-band__copy { padding-bottom: 48px; }
.store-btns { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 20px; }
.store-btn { display: inline-flex; align-items: center; gap: 10px; background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.25); color: #fff; border-radius: 12px; padding: 9px 16px; }
.store-btn span { display: flex; flex-direction: column; font-weight: 700; line-height: 1.2; }
.store-btn small { font-weight: 500; font-size: .7rem; color: #b6c5ea; }
.app-band__phone { align-self: end; display: flex; justify-content: center; }
.phone { width: 230px; height: 330px; background: #0b1530; border-radius: 34px 34px 0 0; padding: 12px 12px 0; position: relative; box-shadow: 0 -10px 40px rgba(0,0,0,.3); }
.phone__notch { position: absolute; top: 12px; left: 50%; transform: translateX(-50%); width: 80px; height: 18px; background: #0b1530; border-radius: 0 0 12px 12px; z-index: 2; }
.phone__screen { background: var(--bg-soft); height: 100%; border-radius: 24px 24px 0 0; padding: 30px 14px 0; display: flex; flex-direction: column; gap: 10px; font-size: .78rem; color: var(--ink-2); }
.ps-head { display: flex; align-items: center; gap: 8px; font-weight: 800; color: var(--navy-900); }
.ps-head img { background: #fff; border-radius: 8px; padding: 2px; }
.ps-card { background: linear-gradient(140deg, var(--blue-600), var(--navy-800)); color: #cfe0ff; border-radius: 14px; padding: 14px; display: flex; flex-direction: column; gap: 2px; }
.ps-card strong { color: #fff; font-size: 1.4rem; }
.ps-bar { height: 5px; background: rgba(255,255,255,.2); border-radius: 9px; margin-top: 8px; }
.ps-bar i { display: block; height: 100%; background: #4fe0a6; border-radius: 9px; }
.ps-btn { background: var(--green-500); color: #fff; text-align: center; padding: 9px; border-radius: 10px; font-weight: 700; }
.ps-row { display: flex; justify-content: space-between; background: #fff; padding: 9px 10px; border-radius: 10px; }
.ps-row b { color: var(--navy-900); }
.ps-row b.up { color: var(--green-600); }

/* ---------- Safety ---------- */
.safety { display: grid; grid-template-columns: 1fr 1.1fr; gap: 48px; align-items: center; }
.safety__card { background: var(--red-50); border: 1px solid #f6caca; border-radius: var(--radius-lg); padding: 32px; }
.safety__card h3 { color: var(--red-600); display: flex; gap: 10px; align-items: center; }
.safety__card ul { margin: 0; padding-left: 20px; color: #5a2323; }
.safety__card li { margin-bottom: 10px; }

/* ---------- Blog cards ---------- */
.posts { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.post-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; color: var(--ink); display: flex; flex-direction: column; transition: transform .2s, box-shadow .2s; }
.post-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); text-decoration: none; }
.post-card__thumb { aspect-ratio: 16/8; background: linear-gradient(135deg, var(--blue-600), var(--navy-800)); position: relative; }
.post-card__thumb--2 { background: linear-gradient(135deg, var(--green-500), var(--blue-600)); }
.post-card__thumb--3 { background: linear-gradient(135deg, var(--navy-800), #c62828); }
.post-card__thumb::after { content: ""; position: absolute; inset: 0; background-image: radial-gradient(rgba(255,255,255,.18) 1px, transparent 1px); background-size: 16px 16px; }
.post-card__thumb span { position: absolute; left: 16px; bottom: 14px; background: #fff; color: var(--navy-900); font-size: .74rem; font-weight: 700; padding: 4px 10px; border-radius: 999px; z-index: 1; }
.post-card__body { padding: 20px 22px 24px; }
.post-card small { color: var(--ink-3); font-size: .8rem; }
.post-card h3 { margin: 6px 0 8px; font-size: 1.08rem; }
.post-card p { color: var(--ink-2); font-size: .92rem; margin: 0; }

/* ---------- FAQ ---------- */
.faq { max-width: 860px; margin: 0 auto; display: grid; gap: 12px; }
.faq details { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); transition: box-shadow .2s, border-color .2s; }
.faq details[open] { border-color: var(--blue-200); box-shadow: var(--shadow-sm); }
.faq summary { cursor: pointer; list-style: none; padding: 19px 22px; font-weight: 700; color: var(--navy-900); display: flex; justify-content: space-between; gap: 16px; align-items: center; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; width: 28px; height: 28px; border-radius: 50%; background: var(--blue-50); display: grid; place-items: center; font-size: 1.3rem; font-weight: 500; color: var(--blue-600); transition: transform .2s; flex: none; line-height: 1; }
.faq details[open] summary::after { transform: rotate(45deg); background: var(--blue-600); color: #fff; }
.faq .answer { padding: 0 22px 20px; color: var(--ink-2); }
.faq .answer p:last-child { margin: 0; }
.faq-layout { display: grid; grid-template-columns: 240px 1fr; gap: 40px; align-items: start; }
.faq-layout .faq { margin: 0; max-width: none; }
.faq-nav { position: sticky; top: 110px; display: grid; gap: 4px; }
.faq-nav a { display: flex; justify-content: space-between; padding: 10px 14px; border-radius: 10px; color: var(--ink-2); font-weight: 600; font-size: .92rem; }
.faq-nav a:hover { background: var(--bg-soft); color: var(--navy-900); text-decoration: none; }
.faq-nav small { color: var(--ink-3); }
.faq-group { margin-bottom: 40px; }
.faq-group h2 { font-size: 1.35rem; }
.faq-search { max-width: 520px; margin-top: 8px; }
.faq-search input { width: 100%; font: inherit; padding: 14px 18px; border: 2px solid var(--line); border-radius: 14px; outline: none; background: #fff; }
.faq-search input:focus { border-color: var(--blue-600); }

/* ---------- CTA band ---------- */
.cta-band { background: linear-gradient(120deg, var(--navy-800), var(--blue-600)); color: #fff; border-radius: var(--radius-lg); padding: 52px 56px; display: grid; grid-template-columns: 1.4fr 1fr; gap: 32px; align-items: center; position: relative; overflow: hidden; }
.cta-band::after { content: ""; position: absolute; right: -80px; bottom: -140px; width: 380px; height: 380px; border-radius: 50%; background: rgba(31,182,124,.28); filter: blur(10px); }
.cta-band h2 { color: #fff; margin-bottom: 8px; }
.cta-band p { color: #d4e1ff; margin: 0; font-size: 1.04rem; }
.cta-band__actions { display: flex; gap: 12px; flex-wrap: wrap; justify-content: flex-end; position: relative; z-index: 1; }

/* ---------- SEO links ---------- */
.seo-links { padding: 64px 0; }
.seo-links__title { font-size: 1.3rem; margin-bottom: 24px; }
.seo-links__grid { display: grid; grid-template-columns: 1fr 1fr 1.4fr; gap: 32px; }
.seo-links h3 { font-size: .8rem; text-transform: uppercase; letter-spacing: .1em; color: var(--ink-3); margin-bottom: 12px; }
.seo-links ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.seo-links ul.cols-2 { grid-template-columns: 1fr 1fr; }
.seo-links a { color: var(--ink-2); font-weight: 500; font-size: .93rem; }
.seo-links a:hover { color: var(--blue-600); }

/* ---------- Inner page hero ---------- */
.page-hero { padding: 48px 0 64px; background: radial-gradient(700px 400px at 90% 0%, rgba(42,123,255,.14), transparent 60%), radial-gradient(600px 360px at 0% 100%, rgba(31,182,124,.10), transparent 60%), linear-gradient(180deg, #f8fbff, #eef4ff); }
.page-hero--simple { padding-bottom: 48px; }
.page-hero__grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: center; }
.page-hero h1 { font-size: clamp(2rem, 4vw, 3rem); }
.crumbs ol { list-style: none; padding: 0; margin: 0 0 18px; display: flex; flex-wrap: wrap; gap: 6px; font-size: .84rem; color: var(--ink-3); }
.crumbs li + li::before { content: "/"; margin-right: 6px; color: #b7c0d3; }
.crumbs a { color: var(--ink-2); font-weight: 600; }
.crumbs [aria-current] { color: var(--ink-3); }
.hero-facts { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; max-width: 560px; }
.hero-facts div { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 14px; }
.hero-facts span { display: block; font-size: .76rem; color: var(--ink-3); font-weight: 600; }
.hero-facts strong { font-size: 1.15rem; color: var(--navy-900); }
.post-meta { color: var(--ink-3); font-size: .9rem; margin: 0; }

/* ---------- Prose + side card ---------- */
.prose-split { display: grid; grid-template-columns: 1fr 340px; gap: 48px; align-items: start; }
.prose { color: var(--ink-2); font-size: 1.02rem; }
.prose h2 { font-size: 1.55rem; margin-top: 1.4em; }
.prose h2:first-child { margin-top: 0; }
.prose ul, .prose ol { padding-left: 22px; }
.prose li { margin-bottom: 8px; }
.side-card { position: sticky; top: 110px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 26px; box-shadow: var(--shadow); }
.side-card .checklist { margin-bottom: 22px; }
.side-card .btn { margin-top: 6px; }
.side-facts { display: grid; grid-template-columns: 1fr auto; gap: 10px; margin: 16px 0 22px; font-size: .92rem; }
.side-facts dt { color: var(--ink-3); }
.side-facts dd { margin: 0; font-weight: 700; color: var(--navy-900); text-align: right; }
.contact-list { list-style: none; padding: 0; margin: 0 0 20px; display: grid; gap: 10px; }
.contact-list li { display: flex; gap: 10px; align-items: center; color: var(--ink-2); }
.contact-list .ic { color: var(--blue-600); }
.scenario { display: flex; gap: 14px; background: var(--blue-50); border-left: 4px solid var(--blue-600); border-radius: 0 var(--radius) var(--radius) 0; padding: 18px 20px; }
.scenario .ic { color: var(--blue-600); margin-top: 3px; }
.scenario p { margin: 0; color: var(--navy-800); }

/* ---------- Tables ---------- */
.table-wrap { overflow-x: auto; border-radius: var(--radius); border: 1px solid var(--line); background: #fff; }
.pricing { width: 100%; border-collapse: collapse; font-size: .94rem; min-width: 560px; }
.pricing th, .pricing td { padding: 14px 18px; text-align: left; border-bottom: 1px solid var(--line); vertical-align: top; }
.pricing th { background: var(--bg-soft); color: var(--ink-2); font-weight: 700; font-size: .78rem; text-transform: uppercase; letter-spacing: .06em; }
.pricing tr:last-child td { border-bottom: 0; }
.pricing td:first-child { font-weight: 700; color: var(--navy-900); }
.example { margin-top: 20px; background: var(--amber-50); border: 1px solid #f5dcae; border-radius: var(--radius); padding: 18px 22px; font-size: .92rem; color: #5b4313; }

/* ---------- KFS ---------- */
.kfs { max-width: 820px; margin: 0 auto; background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow); }
.kfs__head { display: flex; justify-content: space-between; gap: 12px; flex-wrap: wrap; align-items: center; background: var(--navy-900); color: #c9d5f2; padding: 18px 24px; font-size: .88rem; }
.kfs__head b { color: #fff; font-size: 1.05rem; display: block; }
.kfs__grid { display: grid; grid-template-columns: 1fr 1fr; margin: 0; }
.kfs__grid dt, .kfs__grid dd { padding: 13px 24px; border-bottom: 1px solid var(--line); margin: 0; }
.kfs__grid dt { color: var(--ink-3); font-size: .9rem; }
.kfs__grid dd { color: var(--navy-900); font-weight: 600; }

/* ---------- Apply / repay ---------- */
.apply-hero { padding: 40px 0 72px; background: radial-gradient(700px 420px at 85% 10%, rgba(42,123,255,.16), transparent 60%), radial-gradient(700px 420px at 0% 100%, rgba(31,182,124,.12), transparent 60%), linear-gradient(180deg, #f8fbff, #eef4ff); }
.apply-hero__grid { display: grid; grid-template-columns: 1fr 480px; gap: 56px; align-items: start; }
.apply-hero__copy { padding-top: 20px; }
.chips--hero { margin-top: 4px; }
.apply-quote { margin-top: 24px; display: inline-flex; gap: 6px; align-items: baseline; flex-wrap: wrap; background: #fff; border: 1px solid var(--line); padding: 12px 16px; border-radius: 14px; color: var(--ink-2); }
.apply-quote small { width: 100%; color: var(--ink-3); font-size: .76rem; }
.apply-quote strong { color: var(--navy-900); }
.warn-box { display: flex; gap: 12px; background: var(--amber-50); border: 1px solid #f5dcae; border-radius: var(--radius); padding: 16px 18px; color: #5b4313; max-width: 540px; }
.warn-box .ic { color: var(--amber-600); margin-top: 2px; }
.warn-box p { margin: 0; font-size: .92rem; }
.wizard { background: #fff; border-radius: var(--radius-lg); border: 1px solid var(--line); box-shadow: var(--shadow-lg); padding: 28px; position: relative; }
.wizard::before { content: ""; position: absolute; inset: 0 0 auto; height: 5px; border-radius: var(--radius-lg) var(--radius-lg) 0 0; background: linear-gradient(90deg, var(--blue-600), var(--green-500)); }
.wizard h2 { font-size: 1.5rem; margin-bottom: 4px; }
.wizard__kicker { display: inline-flex; align-items: center; gap: 6px; font-size: .72rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; color: var(--green-600); margin-bottom: 8px; }
.wizard__sub { color: var(--ink-2); margin-bottom: 20px; }
.wizard__resend { font-size: .86rem; color: var(--ink-3); margin: 8px 0 18px; }
.wizard__trust { display: flex; justify-content: center; flex-wrap: wrap; gap: 8px 18px; font-size: .76rem; color: var(--ink-3); margin-top: 16px; }
.wizard__trust span { display: inline-flex; gap: 5px; align-items: center; }
.wizard__trust .ic { color: var(--green-600); }
.progress { margin-bottom: 20px; }
.progress__meta { display: flex; justify-content: space-between; font-size: .78rem; color: var(--ink-3); font-weight: 600; margin-bottom: 8px; }
.progress__bar { height: 6px; background: var(--blue-100); border-radius: 99px; overflow: hidden; }
.progress__bar span { display: block; height: 100%; background: linear-gradient(90deg, var(--blue-600), var(--green-500)); border-radius: 99px; transition: width .35s ease; }
.step-pane { display: none; animation: fadeUp .3s ease; }
.step-pane.is-active { display: block; }
@keyframes fadeUp { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }
.field { margin: 0 0 16px; border: 0; padding: 0; min-width: 0; }
.field label, .field legend { display: block; font-weight: 600; font-size: .88rem; color: var(--ink-2); margin-bottom: 6px; padding: 0; }
.field input, .field select, .field textarea { width: 100%; font: inherit; font-weight: 600; color: var(--ink); padding: 12px 14px; border: 2px solid var(--line); border-radius: 14px; background: #fff; outline: none; transition: border-color .15s; min-height: 50px; }
.field textarea { resize: vertical; font-weight: 500; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--blue-600); }
.field input[aria-invalid=true], .field textarea[aria-invalid=true] { border-color: var(--red-600); }
.input-upper { text-transform: uppercase; letter-spacing: .08em; }
.hint { font-size: .78rem; color: var(--ink-3); margin-top: 6px; }
.error { font-size: .8rem; color: var(--red-600); margin-top: 6px; display: none; font-weight: 600; }
.error.show { display: block; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.otp { display: flex; gap: 8px; justify-content: space-between; margin-bottom: 8px; }
.otp input { width: 100%; max-width: 58px; height: 60px; text-align: center; font-size: 1.4rem; font-weight: 800; border: 2px solid var(--line); border-radius: 14px; font-family: inherit; outline: none; }
.otp input:focus { border-color: var(--blue-600); }
.choice-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.choice-grid--3 { grid-template-columns: repeat(3, 1fr); }
.choice { position: relative; }
.choice input { position: absolute; opacity: 0; }
.choice span { display: flex; align-items: center; justify-content: center; gap: 6px; padding: 13px 10px; border: 2px solid var(--line); border-radius: 14px; font-weight: 600; text-align: center; cursor: pointer; transition: all .15s; color: var(--ink-2); font-size: .92rem; }
.choice input:checked + span { border-color: var(--blue-600); background: var(--blue-50); color: var(--blue-600); }
.choice input:focus-visible + span { outline: 3px solid var(--blue-500); outline-offset: 2px; }
.checkbox { display: flex; gap: 10px; align-items: flex-start; font-size: .84rem; color: var(--ink-2); margin: 12px 0; cursor: pointer; }
.checkbox input { width: 18px; height: 18px; margin-top: 2px; accent-color: var(--blue-600); flex: none; }
.actions { display: flex; gap: 10px; margin-top: 8px; }
.actions .btn--primary { flex: 1; }
.info { display: flex; gap: 10px; background: var(--blue-50); border-radius: 12px; padding: 13px 14px; font-size: .84rem; color: var(--ink-2); margin: 0 0 18px; text-align: left; }
.info .ic { color: var(--blue-600); margin-top: 2px; }
.offer { text-align: center; }
.offer__icon { width: 70px; height: 70px; border-radius: 50%; background: var(--green-100); color: var(--green-600); display: grid; place-items: center; margin: 4px auto 14px; }
.offer__icon--warn { background: var(--amber-50); color: var(--amber-600); }
.offer__amount { font-size: 2.6rem; font-weight: 800; color: var(--navy-900); letter-spacing: -.03em; margin: 0 0 18px; }
.offer .calc__result, .offer .field-range { text-align: left; }
.loan-sum { background: var(--bg-soft); border-radius: var(--radius); padding: 6px 18px; margin: 14px 0 10px; }
.loan-sum div { display: flex; justify-content: space-between; padding: 11px 0; border-bottom: 1px solid var(--line); color: var(--ink-2); font-size: .92rem; }
.loan-sum b { color: var(--navy-900); }
.loan-sum__total { border-bottom: 0 !important; }
.loan-sum__total b { color: var(--blue-600); font-size: 1.3rem; }

/* ---------- Tabs ---------- */
.tabs { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 24px; box-shadow: var(--shadow-sm); }
.tabs__list { display: flex; gap: 24px; border-bottom: 2px solid var(--line); margin: 0 0 24px; overflow-x: auto; }
.tabs__list button { font: inherit; font-weight: 700; font-size: .95rem; border: 0; background: none; color: var(--ink-3); padding: 10px 2px; margin-bottom: -2px; border-bottom: 3px solid transparent; cursor: pointer; white-space: nowrap; }
.tabs__list button[aria-selected=true] { color: var(--blue-600); border-bottom-color: var(--blue-600); }
.tabs__panel .elig .panel { padding: 24px; }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1.1fr; gap: 32px; align-items: start; }
.contact-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.contact-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; display: flex; flex-direction: column; gap: 4px; }
.contact-card h3 { margin: 8px 0 2px; font-size: 1.02rem; }
.contact-card p { color: var(--ink-3); font-size: .88rem; margin: 0 0 6px; }
.contact-card a { font-weight: 700; font-size: .92rem; word-break: break-word; }
.contact-card small { color: var(--ink-3); }
.contact-card__icon { width: 44px; height: 44px; border-radius: 12px; display: grid; place-items: center; background: var(--blue-100); color: var(--blue-600); }
.contact-card__icon--green { background: var(--green-100); color: var(--green-600); }
.contact-card__icon--amber { background: var(--amber-100); color: var(--amber-600); }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 30px; box-shadow: var(--shadow); }
.contact-form h2 { font-size: 1.5rem; margin-bottom: 4px; }
.form-success { display: flex; gap: 10px; align-items: center; margin-top: 16px; background: var(--green-100); color: var(--green-600); padding: 14px 16px; border-radius: 12px; font-weight: 600; }

/* ---------- About ---------- */
.values { display: grid; gap: 14px; }
.value { display: flex; gap: 16px; align-items: flex-start; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 18px 20px; }
.value > span { width: 46px; height: 46px; border-radius: 12px; background: var(--blue-100); color: var(--blue-600); display: grid; place-items: center; flex: none; }
.value:nth-child(even) > span { background: var(--green-100); color: var(--green-600); }
.value b { color: var(--navy-900); }
.value p { margin: 2px 0 0; color: var(--ink-2); font-size: .92rem; }
.mv { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.mv__card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 34px; }
.mv__card p { color: var(--ink-2); margin: 0; }
.model { display: flex; align-items: stretch; justify-content: center; gap: 14px; flex-wrap: wrap; margin-bottom: 18px; }
.model__box { flex: 1 1 220px; max-width: 300px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; text-align: center; }
.model__box b { display: block; color: var(--navy-900); font-size: 1.05rem; margin-bottom: 4px; }
.model__box small { color: var(--ink-3); }
.model__box--accent { border-color: var(--blue-200); background: var(--blue-50); }
.model__arrow { display: grid; place-items: center; color: var(--blue-600); }

/* ---------- Hubs ---------- */
.hub-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.hub-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; color: var(--ink); display: flex; flex-direction: column; gap: 2px; transition: border-color .2s, box-shadow .2s; }
.hub-card:hover { border-color: var(--blue-200); box-shadow: var(--shadow); text-decoration: none; }
.hub-card strong { font-size: 1.3rem; color: var(--navy-900); }
.hub-card span { color: var(--ink-2); font-weight: 600; font-size: .9rem; }
.hub-card small { color: var(--ink-3); }

/* ---------- Calculator page ---------- */
.formula { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px 24px; max-width: 560px; }
.formula h2 { font-size: 1.1rem; }
.formula ul { margin: 0; padding-left: 18px; color: var(--ink-2); font-size: .93rem; }
.formula li { margin-bottom: 6px; }

/* ---------- Blog post ---------- */
.post-cta { display: flex; justify-content: space-between; align-items: center; gap: 20px; flex-wrap: wrap; background: var(--blue-50); border: 1px solid var(--blue-200); border-radius: var(--radius); padding: 22px 24px; margin-top: 36px; }
.post-cta b { color: var(--navy-900); }
.post-cta p { margin: 2px 0 0; font-size: .92rem; }

/* ---------- Legal ---------- */
.legal-layout { display: grid; grid-template-columns: 240px 1fr; gap: 48px; align-items: start; }
.legal-nav { position: sticky; top: 110px; display: grid; gap: 4px; }
.legal-nav a { padding: 9px 14px; border-radius: 10px; color: var(--ink-2); font-weight: 600; font-size: .9rem; }
.legal-nav a:hover { background: var(--bg-soft); text-decoration: none; }
.doc { max-width: 760px; }
.kv { width: 100%; border-collapse: collapse; margin: 16px 0 24px; font-size: .94rem; }
.kv th, .kv td { border: 1px solid var(--line); padding: 12px 14px; text-align: left; vertical-align: top; }
.kv th { background: var(--bg-soft); color: var(--ink-2); width: 38%; }
.escalation { list-style: none; padding: 0; counter-reset: lvl; display: grid; gap: 14px; }
.escalation li { counter-increment: lvl; position: relative; padding: 18px 20px 18px 66px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); }
.escalation li::before { content: counter(lvl); position: absolute; left: 18px; top: 18px; width: 32px; height: 32px; border-radius: 50%; background: var(--blue-600); color: #fff; font-weight: 800; display: grid; place-items: center; }
.escalation li:last-child::before { background: var(--green-500); }
.escalation b { display: block; color: var(--navy-900); }

/* ---------- 404 ---------- */
.notfound { padding: 60px 0 20px; }
.notfound__code { display: block; font-size: 7rem; font-weight: 800; line-height: 1; background: linear-gradient(90deg, var(--blue-600), var(--green-500)); -webkit-background-clip: text; background-clip: text; color: transparent; }

/* ---------- Footer ---------- */
.footer { background: var(--navy-900); color: #a9b8de; padding: 72px 0 28px; font-size: .9rem; }
.footer a { color: #d6e0f7; }
.footer__top { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 40px; border-bottom: 1px solid rgba(255,255,255,.1); }
.footer__brand { display: inline-flex; align-items: center; gap: 10px; margin-bottom: 16px; text-decoration: none !important; }
.footer__brand img { width: 40px; height: 40px; background: #fff; border-radius: 10px; padding: 4px; }
.footer__brand span { font-weight: 800; font-size: 1.25rem; color: #fff; letter-spacing: -.02em; }
.footer__brand b { color: #6aa4ff; }
.footer h4 { color: #fff; font-size: .78rem; text-transform: uppercase; letter-spacing: .12em; margin-bottom: 16px; }
.footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.footer__contact li { display: flex; gap: 10px; align-items: flex-start; }
.footer__contact .ic { color: #4fe0a6; margin-top: 3px; }
.socials { display: flex; gap: 8px; margin-top: 18px; }
.socials a { width: 36px; height: 36px; border-radius: 10px; background: rgba(255,255,255,.08); display: grid; place-items: center; font-weight: 700; font-size: .78rem; }
.socials a:hover { background: var(--blue-600); text-decoration: none; }
.footer__seo { display: grid; grid-template-columns: 1fr 1fr 1.4fr; gap: 32px; padding: 32px 0; border-bottom: 1px solid rgba(255,255,255,.1); }
.footer__seo p { margin: 0; display: flex; flex-wrap: wrap; gap: 6px 14px; font-size: .84rem; }
.footer__seo a { color: #a9b8de; }
.footer__seo a:hover { color: #fff; }
.footer__legal { padding-top: 24px; display: grid; gap: 12px; font-size: .79rem; line-height: 1.7; }
.footer__legal p { margin: 0; }
.footer__legal strong { color: #fff; }
.footer__bottom { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; padding-top: 22px; margin-top: 22px; border-top: 1px solid rgba(255,255,255,.1); font-size: .8rem; }

/* ---------- Mobile sticky CTA ---------- */
.mobile-cta { display: none; }

/* ---------- Reveal ---------- */
.reveal { opacity: 0; transform: translateY(16px); transition: opacity .6s ease, transform .6s ease; }
.reveal.is-visible { opacity: 1; transform: none; }
.no-js .reveal { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
  .reveal { opacity: 1; transform: none; }
}


/* ---------- Payday bridge (hero) ---------- */
.bridge { display: flex; align-items: flex-start; gap: 12px; max-width: 520px; margin: 0 0 24px; padding: 16px 18px; background: #fff; border: 1px solid var(--line); border-radius: 14px; }
.bridge__pt { display: grid; gap: 1px; min-width: 120px; }
.bridge__pt--end { text-align: right; justify-items: end; }
.bridge__pt b { color: var(--navy-900); font-size: .95rem; }
.bridge__pt small { color: var(--ink-3); font-size: .78rem; }
.bridge__dot { width: 12px; height: 12px; border-radius: 50%; background: var(--blue-600); box-shadow: 0 0 0 4px var(--blue-100); margin-bottom: 6px; }
.bridge__pt--end .bridge__dot { background: var(--green-500); box-shadow: 0 0 0 4px var(--green-100); }
.bridge__line { flex: 1; position: relative; height: 12px; margin-top: 0; }
.bridge__line::before { content: ""; position: absolute; left: 0; right: 0; top: 5px; height: 2px; background: linear-gradient(90deg, var(--blue-600), var(--green-500)); }
.bridge__line span { position: absolute; left: 50%; top: 14px; transform: translateX(-50%); font-size: .74rem; font-weight: 700; color: var(--ink-2); white-space: nowrap; }

/* ---------- Promise row ---------- */
.promises { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.promise { display: flex; gap: 14px; align-items: flex-start; padding: 6px 0; }
.promise > span { width: 44px; height: 44px; border-radius: 50%; background: var(--navy-900); color: #8ff0c4; display: grid; place-items: center; flex: none; }
.promise strong { display: block; color: var(--navy-900); font-size: 1.15rem; line-height: 1.2; }
.promise small { color: var(--ink-3); font-size: .84rem; }

/* ---------- Gap comparison card ---------- */
.gap-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 28px; box-shadow: var(--shadow); }
.gap-card h3 { font-size: 1.2rem; margin-bottom: 18px; }
.gap-card__cols { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.gap-card__col { border-radius: 14px; padding: 18px; font-size: .9rem; }
.gap-card__col b { display: block; margin-bottom: 8px; }
.gap-card__col ul { margin: 0; padding-left: 18px; display: grid; gap: 6px; }
.gap-card__col--bad { background: var(--red-50); color: #6b2a2a; }
.gap-card__col--bad b { color: var(--red-600); }
.gap-card__col--good { background: var(--green-100); color: #0f5137; }
.gap-card__col--good b { color: var(--green-600); }
.wizard__note { display: flex; gap: 8px; align-items: center; justify-content: center; font-size: .8rem; color: var(--ink-3); margin: 14px 0 0; }
@media (max-width: 1024px) { .promises { grid-template-columns: 1fr 1fr; gap: 20px; } }
@media (max-width: 640px) {
  .bridge__pt { min-width: 0; }
  .bridge { order: 1; margin-top: 4px; }
  .gap-card__cols { grid-template-columns: 1fr; }
  .gap-card { padding: 22px 18px; }
  .promises { gap: 18px 12px; }
  .promise { flex-direction: column; gap: 8px; }
}

/* ---------- Responsive ---------- */
@media (max-width: 1100px) {
  .nav__link { padding: 9px 9px; font-size: .9rem; }
  .header__repay { display: none; }
  .hub-grid { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 1024px) {
  .hero__grid, .page-hero__grid, .apply-hero__grid { grid-template-columns: 1fr; gap: 40px; }
  .apply-hero__grid { max-width: 620px; margin: 0 auto; }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .steps::before { display: none; }
  .features, .needs, .posts { grid-template-columns: repeat(2, 1fr); }
  .products { grid-template-columns: repeat(2, 1fr); }
  .product, .product:nth-child(4), .product:nth-child(5), .products:has(> :nth-child(4):last-child) .product { grid-column: span 1; }
  .product:nth-child(5):last-child { grid-column: span 2; }
  .footer__top { grid-template-columns: 1fr 1fr 1fr; }
  .footer__about { grid-column: 1 / -1; }
  .safety, .about-split, .know, .prose-split, .contact-grid { grid-template-columns: 1fr; }
  .side-card { position: static; }
  .seo-links__grid, .footer__seo { grid-template-columns: 1fr 1fr; }
  .seo-links__grid > :last-child, .footer__seo > :last-child { grid-column: 1 / -1; }
}
@media (max-width: 900px) {
  html { scroll-padding-top: 90px; }
  .menu-toggle { display: inline-flex; }
  .nav { display: none; position: absolute; top: 100%; left: 0; right: 0; border-radius: 0 0 18px 18px; flex-direction: column; align-items: stretch; background: #fff; border: 1px solid var(--line); border-radius: 18px; box-shadow: var(--shadow-lg); padding: 10px; max-height: calc(100vh - 120px); overflow-y: auto; }
  .nav.is-open { display: flex; }
  .nav__link { padding: 13px 14px; font-size: 1rem; justify-content: space-between; width: 100%; }
  .nav__link--mobile { display: flex; }
  .mega { position: static; width: auto; grid-template-columns: 1fr; box-shadow: none; border: 0; border-radius: 12px; display: none; opacity: 1; visibility: visible; transform: none; }
  .nav__item--drop.is-open .mega { display: grid; }
  .mega__col { padding: 6px; }
  .mega__col--soft { display: none; }
  .elig, .reviews, .mv { grid-template-columns: 1fr; }
  .cta-band { grid-template-columns: 1fr; padding: 40px 28px; }
  .cta-band__actions { justify-content: flex-start; }
  .app-band { grid-template-columns: 1fr; padding: 40px 28px 0; }
  .app-band__copy { padding-bottom: 0; }
  .topbar .topbar__extra { display: none; }
  .faq-layout, .legal-layout { grid-template-columns: 1fr; }
  .faq-nav, .legal-nav { position: static; display: flex; flex-wrap: wrap; gap: 6px; }
  .faq-nav a, .legal-nav a { border: 1px solid var(--line); border-radius: 999px; padding: 7px 14px; }
  .faq-nav small { margin-left: 6px; }
  .facts { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 640px) {
  .section { padding: 64px 0; }
  .container { padding: 0 16px; }
  .header__inner { height: 62px; }
  .brand img { height: 24px; }
  .header__cta .btn--primary { padding: 8px 14px; min-height: 38px; font-size: .86rem; }
  .menu-toggle { width: 40px; height: 40px; }
  .hero { padding: 28px 0 48px; }
  .page-hero, .apply-hero { padding: 28px 0 44px; }
  .hero__grid { display: flex; flex-direction: column; gap: 0; }
  .hero__copy { display: contents; }
  .hero__copy > * { order: 0; }
  .hero__sub { font-size: 1rem; margin-bottom: 20px; }
  .hero__ctas { display: none; }
  .calc { order: 1; margin: 14px 0 28px; padding: 26px 18px 20px; }
  .hero__points { order: 2; grid-template-columns: 1fr 1fr; gap: 10px; font-size: .88rem; }
  .hero__points li { font-size: .86rem; }
  .calc__form { flex-direction: column; }
  .steps, .features, .needs, .posts, .products { grid-template-columns: 1fr; }
  .product:nth-child(5):last-child { grid-column: span 1; }
  .panel { padding: 24px 20px; }
  .hero-facts { grid-template-columns: 1fr 1fr 1fr; gap: 8px; }
  .hero-facts div { padding: 10px; }
  .hero-facts strong { font-size: .98rem; }
  .facts { grid-template-columns: 1fr 1fr; }
  .contact-cards { grid-template-columns: 1fr; }
  .hub-grid { grid-template-columns: 1fr 1fr; }
  .seo-links__grid, .footer__seo { grid-template-columns: 1fr; }
  .footer__top { grid-template-columns: 1fr 1fr; }
  .footer { padding-bottom: 100px; }
  .kfs__grid { grid-template-columns: 1fr; }
  .kfs__grid dt { border-bottom: 0; padding-bottom: 0; }
  .wizard, .card { padding: 22px 16px; }
  .field-row { grid-template-columns: 1fr; }
  .otp { gap: 6px; }
  .choice-grid--3 { grid-template-columns: 1fr; }
  .tabs { padding: 16px 12px; }
  .tabs__list button { padding: 9px 14px; font-size: .84rem; }
  /* Apply/repay on phones: form first, persuasion after */
  .apply-hero__grid { display: flex; flex-direction: column; gap: 0; }
  .apply-hero__copy { display: contents; }
  .apply-hero h1 { font-size: 1.9rem; }
  .apply-hero .page-hero__lead { display: none; }
  .apply-quote { order: 1; margin: 0 0 14px; }
  .wizard { order: 2; }
  .chips--hero, .warn-box { order: 3; margin-top: 18px; }
  .chips--hero { flex-wrap: nowrap; overflow-x: auto; padding-bottom: 4px; scrollbar-width: none; }
  .chips--hero .chip { flex: none; font-size: .82rem; padding: 7px 12px; }
  .page-apply .header__cta .btn--primary { display: none; }
  .mobile-cta { display: flex; position: fixed; left: 0; right: 0; bottom: 0; z-index: 60; padding: 10px 16px calc(10px + env(safe-area-inset-bottom)); background: rgba(255,255,255,.97); backdrop-filter: blur(10px); border-top: 1px solid var(--line); box-shadow: 0 -8px 24px -12px rgba(7,26,69,.2); gap: 10px; align-items: center; transform: translateY(110%); transition: transform .25s ease; }
  .mobile-cta.is-visible { transform: none; }
  .mobile-cta div { flex: 1; font-size: .78rem; color: var(--ink-3); line-height: 1.3; }
  .mobile-cta div strong { display: block; color: var(--navy-900); font-size: .95rem; }
}