/* ================================================
   LoanCheck — Premium Pop-Under Optimized Styles
   Dark gradient hero · Glassmorphism cards
   Wizard · Ticker · Trust bar · Lender cards
   ================================================ */

/* ---------- Google Font ---------- */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800;900&display=swap');

/* ---------- Design Tokens ---------- */
:root {
  --font: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  /* Core palette */
  --c-bg: #0d1117;
  --c-bg-2: #111827;
  --c-surface: #1a2233;
  --c-surface-2: #1e2a3d;
  --c-border: rgba(255, 255, 255, 0.08);
  --c-border-glow: rgba(20, 184, 166, 0.3);

  /* Brand */
  --c-primary: #14b8a6;
  --c-primary-h: #0d9488;
  --c-primary-d: #0f766e;
  --c-accent: #818cf8;
  --c-gold: #facc15;

  /* Text */
  --c-text: #f1f5f9;
  --c-text-2: #94a3b8;
  --c-text-3: #64748b;

  /* Gradients */
  --grad-hero: linear-gradient(135deg, #0a0f1e 0%, #0f1f35 50%, #0d2218 100%);
  --grad-primary: linear-gradient(135deg, #14b8a6 0%, #0ea5e9 100%);
  --grad-card: linear-gradient(145deg, rgba(255, 255, 255, 0.05) 0%, rgba(255, 255, 255, 0.02) 100%);

  /* Layout */
  --r: 14px;
  --r-sm: 8px;
  --r-lg: 20px;
  --r-xl: 28px;

  /* Shadows */
  --shadow-sm: 0 2px 8px rgba(0, 0, 0, .4);
  --shadow-md: 0 8px 32px rgba(0, 0, 0, .5);
  --shadow-glow: 0 0 24px rgba(20, 184, 166, .2);
  --shadow-focus: 0 0 0 3px rgba(20, 184, 166, .35);

  /* Transitions */
  --t: 0.22s ease;
  --t-slow: 0.4s ease;
}

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

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
  background: #060a10;
  /* dark surround on desktop */
}

body {
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.6;
  color: var(--c-text);
  background: var(--c-bg);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  min-height: 100vh;
  /* NOTE: No overflow-x:hidden here — it breaks position:sticky on header & ad bar */
  /* Mobile frame on desktop */
  max-width: 430px;
  margin: 0 auto;
  box-shadow: 0 0 80px rgba(0, 0, 0, .9), 0 0 0 1px rgba(255, 255, 255, 0.04);
}

img,
svg {
  display: block;
}

a {
  color: var(--c-primary);
  text-decoration: none;
}

a:hover {
  text-decoration: underline;
}

/* ---------- Wrap ---------- */
.wrap {
  width: 100%;
  max-width: 500px;
  margin: 0 auto;
  padding: 0 1rem;
}

/* ---------- Glass Card ---------- */
.glass-card {
  background: var(--grad-card);
  border: 1px solid var(--c-border);
  border-radius: var(--r-lg);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  box-shadow: var(--shadow-md);
  transition: box-shadow var(--t);
}

.glass-card:hover {
  box-shadow: var(--shadow-md), var(--shadow-glow);
}

/* ============================================================
   HEADER
   ============================================================ */
.site-header {
  background: rgba(13, 17, 23, 0.9);
  border-bottom: 1px solid var(--c-border);
  padding: 0.6rem 0;
  position: sticky;
  top: 0;
  z-index: 100;
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.logo {
  font-weight: 800;
  font-size: 1.2rem;
  color: var(--c-text);
  letter-spacing: -0.03em;
}

.logo span {
  color: var(--c-primary);
}

.header-trust {
  display: flex;
  align-items: center;
  gap: 0.35rem;
  font-size: 0.78rem;
  font-weight: 500;
  color: var(--c-text-2);
  white-space: nowrap;
}

/* ============================================================
   STICKY AD BAR
   ============================================================ */
.sticky-ad-bar {
  background: rgba(13, 17, 23, 0.85);
  border-bottom: 1px solid var(--c-border);
  padding: 0.2rem 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 0.15rem;
  position: sticky;
  top: 49px;
  z-index: 90;
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  overflow: hidden;
}

/* ============================================================
   HERO
   ============================================================ */
.hero {
  position: relative;
  background: var(--grad-hero);
  padding: 1rem 0 1.25rem;
  text-align: center;
  overflow: hidden;
}

/* Subtle dot-grid overlay */
.hero-bg-grid {
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(255, 255, 255, 0.04) 1px, transparent 1px);
  background-size: 22px 22px;
  pointer-events: none;
}

.hero-bg-glow {
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 80% 60% at 50% 0%, rgba(20, 184, 166, 0.18) 0%, transparent 70%);
  pointer-events: none;
}

/* ---- Urgency banner ---- */
.hero-urgency {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: linear-gradient(90deg, rgba(250, 204, 21, 0.12), rgba(250, 204, 21, 0.06));
  border: 1px solid rgba(250, 204, 21, 0.3);
  border-radius: 99px;
  padding: 0.3rem 0.9rem;
  font-size: 0.78rem;
  font-weight: 600;
  color: #fde68a;
  margin-bottom: 0.6rem;
}

.hero-urgency strong {
  color: #facc15;
}

.hero-urgency-dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: #facc15;
  animation: pulse 1.5s ease-in-out infinite;
  flex-shrink: 0;
}

/* ---- Headline ---- */
.hero-h1 {
  font-size: clamp(1.35rem, 5vw, 1.75rem);
  font-weight: 900;
  line-height: 1.15;
  letter-spacing: -0.04em;
  color: var(--c-text);
  margin-bottom: 0.4rem;
}

.gradient-text {
  background: var(--grad-primary);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-sub {
  font-size: 0.82rem;
  color: var(--c-text-2);
  margin: 0 auto 0.8rem;
  max-width: 320px;
  line-height: 1.45;
}

/* ---- Floating rate card ---- */
.hero-rate-card {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(20, 184, 166, 0.3);
  border-radius: var(--r-lg);
  padding: 0.65rem 1rem 0.5rem;
  margin: 0 auto 0.7rem;
  max-width: 300px;
  box-shadow: 0 8px 32px rgba(0, 0, 0, 0.35), 0 0 0 1px rgba(20, 184, 166, 0.1) inset;
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  animation: floatCard 4s ease-in-out infinite;
}

@keyframes floatCard {

  0%,
  100% {
    transform: translateY(0);
  }

  50% {
    transform: translateY(-4px);
  }
}

.hero-rate-card-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  margin-bottom: 0.55rem;
}

.rate-card-left,
.rate-card-right {
  display: flex;
  flex-direction: column;
  align-items: center;
  flex: 1;
}

.rate-card-label,
.rate-card-apr-label {
  font-size: 0.65rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--c-text-3);
  font-weight: 600;
  margin-bottom: 0.2rem;
}

.rate-card-amount {
  font-size: 1.35rem;
  font-weight: 900;
  color: var(--c-text);
  letter-spacing: -0.03em;
  line-height: 1;
}

.rate-card-term {
  font-size: 0.72rem;
  color: var(--c-text-3);
  margin-top: 0.15rem;
}

.rate-card-divider {
  width: 1px;
  height: 42px;
  background: rgba(255, 255, 255, 0.1);
  margin: 0 1rem;
  flex-shrink: 0;
}

.rate-card-apr {
  font-size: 1.6rem;
  font-weight: 900;
  color: var(--c-primary);
  letter-spacing: -0.04em;
  line-height: 1;
}

.rate-card-monthly {
  font-size: 0.78rem;
  color: var(--c-text-2);
  font-weight: 600;
  margin-top: 0.15rem;
}

/* Animated scanning bar */
.rate-card-bar-wrap {
  height: 4px;
  background: rgba(255, 255, 255, 0.06);
  border-radius: 99px;
  overflow: hidden;
  margin-bottom: 0.3rem;
}

.rate-card-bar-fill {
  height: 100%;
  width: 0%;
  border-radius: 99px;
  background: var(--grad-primary);
  animation: scanBar 2.8s ease-in-out infinite;
}

@keyframes scanBar {
  0% {
    width: 0%;
    opacity: 1;
  }

  70% {
    width: 100%;
    opacity: 1;
  }

  85% {
    width: 100%;
    opacity: 0;
  }

  100% {
    width: 0%;
    opacity: 0;
  }
}

.rate-card-note {
  font-size: 0.7rem;
  color: var(--c-text-3);
  display: block;
  text-align: center;
}

/* ---- Star rating ---- */
.hero-stars {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.07);
  border-radius: 99px;
  padding: 0.3rem 0.85rem;
  margin-bottom: 0.75rem;
}

.stars-icons {
  color: #facc15;
  font-size: 0.85rem;
  letter-spacing: 1px;
}

.stars-text {
  font-size: 0.78rem;
  color: var(--c-text-2);
  font-weight: 500;
}

.stars-text strong {
  color: var(--c-text);
}

/* ---- Hero CTA ---- */
.btn-hero {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: var(--grad-primary);
  color: #fff;
  font-weight: 700;
  font-size: 1.05rem;
  padding: 0.9rem 2rem;
  border-radius: 99px;
  border: none;
  cursor: pointer;
  font-family: inherit;
  text-decoration: none;
  box-shadow: 0 0 32px rgba(20, 184, 166, 0.4);
  transition: transform var(--t), box-shadow var(--t);
  animation: heroGlow 3s ease-in-out infinite;
}

.btn-hero:hover {
  transform: translateY(-2px);
  box-shadow: 0 0 48px rgba(20, 184, 166, 0.6);
  text-decoration: none;
}

@keyframes heroGlow {

  0%,
  100% {
    box-shadow: 0 0 28px rgba(20, 184, 166, .4);
  }

  50% {
    box-shadow: 0 0 52px rgba(20, 184, 166, .7);
  }
}

/* ---- Fine print row ---- */
.hero-fine-row {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.85rem;
  margin-top: 0.85rem;
  margin-bottom: 1rem;
}

.hero-fine-row span {
  font-size: 0.75rem;
  color: var(--c-text-3);
  font-weight: 500;
}

/* ---- Live badge ---- */
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(20, 184, 166, 0.1);
  border: 1px solid rgba(20, 184, 166, 0.25);
  border-radius: 99px;
  padding: 0.28rem 0.8rem;
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--c-primary);
  margin-top: 0.25rem;
}

.pulse-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--c-primary);
  animation: pulse 1.8s ease-in-out infinite;
  flex-shrink: 0;
}

@keyframes pulse {

  0%,
  100% {
    transform: scale(1);
    opacity: 1;
  }

  50% {
    transform: scale(1.4);
    opacity: 0.6;
  }
}


/* ============================================================
   TICKER
   ============================================================ */
.ticker-wrap {
  background: rgba(20, 184, 166, 0.06);
  border-top: 1px solid var(--c-border-glow);
  border-bottom: 1px solid var(--c-border-glow);
  overflow: hidden;
  padding: 0.55rem 0;
}

.ticker-track {
  display: flex;
  gap: 2.5rem;
  animation: ticker 28s linear infinite;
  width: max-content;
}

.tick {
  font-size: 0.8rem;
  color: var(--c-text-2);
  white-space: nowrap;
  padding-right: 1rem;
}

.tick strong {
  color: var(--c-text);
}

@keyframes ticker {
  from {
    transform: translateX(0);
  }

  to {
    transform: translateX(-50%);
  }
}

/* ============================================================
   AD SLOTS
   ============================================================ */
.ad-label {
  font-size: 0.62rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--c-text-3);
  font-weight: 500;
}

.ad-wrap {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.35rem;
  text-align: center;
  margin: 1rem 0;
  padding: 0.75rem;
  background: rgba(255, 255, 255, 0.02);
  border: 1px dashed rgba(255, 255, 255, 0.06);
  border-radius: var(--r);
  min-height: 290px;
  justify-content: center;
}

.ad-slot {
  margin: 0 auto;
}

.ad-wrap-inline {
  margin-top: 1.25rem;
  width: 100%;
}

/* ============================================================
   TRUST BAR
   ============================================================ */
.trust-bar {
  background: rgba(20, 184, 166, 0.04);
  border-bottom: 1px solid var(--c-border);
  padding: 0.75rem 0;
}

.trust-bar-inner {
  display: flex;
  align-items: center;
  justify-content: space-around;
  gap: 0.5rem;
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--c-text-2);
  white-space: nowrap;
}

/* ============================================================
   WIZARD
   ============================================================ */
.wizard-card {
  margin: 1.5rem 0;
  padding: 1.5rem;
}

/* Progress bar */
.progress-wrap {
  margin-bottom: 1.75rem;
}

.progress-bar-track {
  height: 5px;
  background: rgba(255, 255, 255, 0.08);
  border-radius: 99px;
  overflow: hidden;
  margin-bottom: 0.75rem;
}

.progress-bar-fill {
  height: 100%;
  width: 25%;
  background: var(--grad-primary);
  border-radius: 99px;
  transition: width 0.5s cubic-bezier(.4, 0, .2, 1);
}

.progress-steps {
  display: flex;
  justify-content: space-between;
}

.progress-step {
  font-size: 0.7rem;
  font-weight: 600;
  color: var(--c-text-3);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  transition: color var(--t);
}

.progress-step.active {
  color: var(--c-primary);
}

.progress-step.done {
  color: var(--c-text-2);
}

/* Step transitions */
.step {
  animation: stepIn 0.35s ease both;
}

.step.hidden {
  display: none;
}

@keyframes stepIn {
  from {
    opacity: 0;
    transform: translateY(12px);
  }

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

/* Step headings */
.step-title {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--c-text);
  letter-spacing: -0.025em;
  margin-bottom: 0.35rem;
}

.step-sub {
  font-size: 0.875rem;
  color: var(--c-text-2);
  margin-bottom: 1.25rem;
}

.step-reassure {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.78rem;
  color: var(--c-text-3);
  margin-top: 1rem;
}

/* ---- Pill buttons (Step 1) ---- */
.pill-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.6rem;
}

.pill-btn {
  position: relative;
  background: rgba(255, 255, 255, 0.04);
  border: 1.5px solid var(--c-border);
  border-radius: var(--r);
  color: var(--c-text);
  font-family: inherit;
  font-size: 0.9rem;
  font-weight: 600;
  padding: 0.85rem 0.75rem;
  cursor: pointer;
  transition: all var(--t);
  text-align: center;
}

.pill-btn:hover,
.pill-btn.selected {
  border-color: var(--c-primary);
  background: rgba(20, 184, 166, 0.12);
  color: var(--c-primary);
  box-shadow: 0 0 16px rgba(20, 184, 166, 0.2);
}

.pill-btn.popular {
  border-color: rgba(20, 184, 166, 0.4);
}

.pill-tag {
  display: block;
  font-size: 0.65rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--c-primary);
  margin-top: 0.2rem;
}

/* ---- Icon grid (Step 2) ---- */
.icon-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.6rem;
}

.icon-btn {
  background: rgba(255, 255, 255, 0.04);
  border: 1.5px solid var(--c-border);
  border-radius: var(--r);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.4rem;
  padding: 1rem 0.5rem;
  cursor: pointer;
  transition: all var(--t);
  font-family: inherit;
  color: var(--c-text);
}

.icon-btn:hover,
.icon-btn.selected {
  border-color: var(--c-primary);
  background: rgba(20, 184, 166, 0.12);
  box-shadow: 0 0 16px rgba(20, 184, 166, 0.2);
}

.icon-btn-icon {
  font-size: 1.75rem;
  line-height: 1;
}

.icon-btn-label {
  font-size: 0.8rem;
  font-weight: 600;
  text-align: center;
}

/* ---- Credit grid (Step 3) ---- */
.credit-grid {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.credit-btn {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  background: rgba(255, 255, 255, 0.04);
  border: 1.5px solid var(--c-border);
  border-radius: var(--r-sm);
  padding: 0.85rem 1rem;
  cursor: pointer;
  font-family: inherit;
  color: var(--c-text);
  text-align: left;
  transition: all var(--t);
}

.credit-btn:hover,
.credit-btn.selected {
  border-color: var(--c-primary);
  background: rgba(20, 184, 166, 0.1);
}

.credit-indicator {
  width: 14px;
  height: 14px;
  border-radius: 50%;
  flex-shrink: 0;
}

.credit-btn strong {
  display: block;
  font-size: 0.9rem;
  font-weight: 700;
}

.credit-btn small {
  font-size: 0.78rem;
  color: var(--c-text-2);
}

/* ---- Details form (Step 4) ---- */
.details-form {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.field-group {
  display: flex;
  flex-direction: column;
  gap: 0.3rem;
}

.field-label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--c-text);
}

.field-input {
  width: 100%;
  padding: 0.7rem 0.9rem;
  font-size: 0.95rem;
  font-family: inherit;
  color: var(--c-text);
  background: rgba(255, 255, 255, 0.05);
  border: 1.5px solid var(--c-border);
  border-radius: var(--r-sm);
  transition: border-color var(--t), box-shadow var(--t);
  -webkit-appearance: none;
  appearance: none;
}

.field-input::placeholder {
  color: var(--c-text-3);
}

.field-input:hover {
  border-color: rgba(255, 255, 255, 0.15);
}

.field-input:focus {
  outline: none;
  border-color: var(--c-primary);
  box-shadow: var(--shadow-focus);
}

.field-input.error {
  border-color: #f87171;
}

.field-error {
  font-size: 0.78rem;
  color: #f87171;
  min-height: 1rem;
}

.consent-row {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
}

.consent-row input[type="checkbox"] {
  width: 16px;
  height: 16px;
  margin-top: 2px;
  flex-shrink: 0;
  accent-color: var(--c-primary);
  cursor: pointer;
}

.consent-label {
  font-size: 0.78rem;
  color: var(--c-text-2);
  line-height: 1.4;
}

.consent-label a {
  color: var(--c-primary);
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.75rem 1.5rem;
  background: var(--grad-primary);
  color: #fff;
  font-weight: 700;
  font-size: 0.95rem;
  border-radius: 99px;
  border: none;
  cursor: pointer;
  font-family: inherit;
  text-decoration: none;
  transition: transform var(--t), box-shadow var(--t), opacity var(--t);
}

.btn:hover {
  transform: translateY(-1px);
  box-shadow: 0 8px 24px rgba(20, 184, 166, 0.35);
  text-decoration: none;
}

.btn:active {
  transform: translateY(0);
}

.btn:focus-visible {
  outline: none;
  box-shadow: var(--shadow-focus);
}

.btn-full {
  width: 100%;
}

.btn-submit {
  margin-top: 0.25rem;
  font-size: 1rem;
  padding: 0.9rem;
}

.btn-lender {
  margin-top: 1rem;
  border-radius: var(--r);
  font-size: 0.9rem;
}

/* ---- Ad transition step ---- */
.ad-transition-wrap {
  text-align: center;
}

.ad-transition-text {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--c-primary);
  margin-bottom: 0.5rem;
}

/* ============================================================
   MATCHING ANIMATION
   ============================================================ */
.matching-wrap {
  text-align: center;
  padding: 2rem 0 1.5rem;
}

.matching-spinner {
  display: flex;
  justify-content: center;
  margin-bottom: 1.25rem;
}

.spinner-arc {
  animation: arcSpin 1.5s ease-in-out infinite;
  transform-origin: center;
}

@keyframes arcSpin {
  0% {
    stroke-dashoffset: 150;
    transform: rotate(0deg);
  }

  50% {
    stroke-dashoffset: 40;
  }

  100% {
    stroke-dashoffset: 150;
    transform: rotate(360deg);
  }
}

.matching-label {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--c-text-2);
  margin-bottom: 1rem;
}

.matching-bar-track {
  height: 6px;
  background: rgba(255, 255, 255, 0.08);
  border-radius: 99px;
  overflow: hidden;
  max-width: 260px;
  margin: 0 auto;
}

.matching-bar-fill {
  height: 100%;
  width: 0%;
  background: var(--grad-primary);
  border-radius: 99px;
  transition: width 0.3s ease;
}

/* ============================================================
   RESULTS
   ============================================================ */
.results-wrap.hidden {
  display: none;
}

.results-header {
  text-align: center;
  margin-bottom: 1.5rem;
}

.results-icon {
  font-size: 2.5rem;
  margin-bottom: 0.5rem;
}

.results-title {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--c-text);
  letter-spacing: -0.025em;
  margin-bottom: 0.5rem;
}

.results-sub {
  font-size: 0.875rem;
  color: var(--c-text-2);
}

/* Lender cards */
.lender-card {
  padding: 1.25rem;
  margin-bottom: 1rem;
  animation: stepIn 0.5s ease var(--delay, 0s) both;
}

.lender-header {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin-bottom: 1rem;
}

.lender-logo {
  font-size: 1.75rem;
  flex-shrink: 0;
}

.lender-info {
  flex: 1;
}

.lender-name {
  display: block;
  font-size: 1rem;
  font-weight: 700;
  color: var(--c-text);
}

.lender-badge {
  display: inline-block;
  padding: 0.15rem 0.6rem;
  border-radius: 99px;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  background: rgba(148, 163, 184, 0.15);
  color: var(--c-text-2);
  margin-top: 0.2rem;
}

.lender-badge.best {
  background: rgba(20, 184, 166, 0.2);
  color: var(--c-primary);
}

.lender-apr {
  text-align: right;
  flex-shrink: 0;
}

.apr-label {
  font-size: 0.68rem;
  color: var(--c-text-3);
  display: block;
  text-align: right;
}

.apr-val {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--c-primary);
}

.lender-details {
  display: flex;
  gap: 0;
  border-top: 1px solid var(--c-border);
  padding-top: 0.9rem;
  justify-content: space-around;
}

.lender-detail {
  text-align: center;
}

.lender-detail span {
  font-size: 0.7rem;
  color: var(--c-text-3);
  display: block;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.lender-detail strong {
  font-size: 0.9rem;
  color: var(--c-text);
  display: block;
  margin-top: 0.15rem;
}

.result-legal {
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid var(--c-border);
  border-radius: var(--r-sm);
  padding: 1rem;
  margin-top: 1rem;
  font-size: 0.72rem;
  color: var(--c-text-3);
  line-height: 1.6;
}

.result-legal p+p {
  margin-top: 0.5rem;
}

/* ============================================================
   INFO SECTION
   ============================================================ */
.info-section {
  margin: 2rem 0;
}

.info-title {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--c-text);
  letter-spacing: -0.02em;
  margin-bottom: 1rem;
}

.info-body {
  font-size: 0.9rem;
  color: var(--c-text-2);
  line-height: 1.7;
}

.info-grid {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.info-card {
  padding: 1.25rem;
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
}

.info-icon {
  font-size: 1.5rem;
}

.info-card h3 {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--c-text);
}

.info-card p {
  font-size: 0.85rem;
  color: var(--c-text-2);
}

/* ============================================================
   HIGH-CPC CONTENT COMPONENTS
   ============================================================ */

/* Bullet checklist */
.content-bullets {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  margin-top: 1rem;
}

.content-bullet {
  font-size: 0.875rem;
  color: var(--c-text-2);
  padding: 0.5rem 0.75rem;
  background: rgba(20, 184, 166, 0.06);
  border-left: 3px solid var(--c-primary);
  border-radius: 0 var(--r-sm) var(--r-sm) 0;
}

/* Tip / Warning callout box */
.content-tip-box {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  background: rgba(250, 204, 21, 0.07);
  border: 1px solid rgba(250, 204, 21, 0.2);
  border-radius: var(--r-sm);
  padding: 0.85rem 1rem;
  margin-top: 1rem;
  font-size: 0.85rem;
  color: var(--c-text-2);
  line-height: 1.55;
}

.content-tip-box strong {
  color: var(--c-text);
}

.tip-icon {
  font-size: 1.1rem;
  flex-shrink: 0;
  margin-top: 0.1rem;
}

/* Loan calc example card */
.calc-example-card {
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid var(--c-border);
  border-radius: var(--r);
  padding: 1rem;
  margin-top: 1rem;
}

.calc-title {
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--c-text-3);
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-bottom: 0.75rem;
}

.calc-rows {
  display: flex;
  flex-direction: column;
  gap: 0;
}

.calc-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.45rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.04);
  font-size: 0.875rem;
}

.calc-row span {
  color: var(--c-text-2);
}

.calc-row strong {
  color: var(--c-text);
  font-weight: 600;
}

.calc-row.total {
  border-top: 1px solid rgba(20, 184, 166, 0.3);
  border-bottom: none;
  margin-top: 0.25rem;
  padding-top: 0.6rem;
}

.calc-row.total span {
  color: var(--c-text);
  font-weight: 600;
}

.calc-row.total strong {
  color: var(--c-primary);
  font-size: 1rem;
  font-weight: 800;
}

.calc-note {
  font-size: 0.75rem;
  color: var(--c-text-3);
  margin-top: 0.75rem;
  line-height: 1.5;
}

/* Numbered steps list */
.steps-list {
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
  margin-top: 1rem;
}

.step-item {
  display: flex;
  align-items: flex-start;
  gap: 0.85rem;
  font-size: 0.875rem;
  color: var(--c-text-2);
  line-height: 1.55;
}

.step-item strong {
  color: var(--c-text);
}

.step-num {
  min-width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--grad-primary);
  color: #fff;
  font-size: 0.75rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 0.1rem;
}

/* FAQ accordion */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  margin-top: 0.75rem;
}

.faq-item {
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid var(--c-border);
  border-radius: var(--r-sm);
  overflow: hidden;
  transition: border-color var(--t);
}

.faq-item[open] {
  border-color: rgba(20, 184, 166, 0.3);
}

.faq-q {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--c-text);
  padding: 0.85rem 1rem;
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 0.5rem;
}

.faq-q::-webkit-details-marker {
  display: none;
}

.faq-q::after {
  content: '+';
  font-size: 1.2rem;
  color: var(--c-primary);
  font-weight: 400;
  flex-shrink: 0;
  transition: transform var(--t);
}

.faq-item[open] .faq-q::after {
  content: '−';
}

.faq-a {
  font-size: 0.85rem;
  color: var(--c-text-2);
  line-height: 1.65;
  padding: 0 1rem 0.9rem;
}

.faq-a strong {
  color: var(--c-text);
}

/* ============================================================
   FOOTER
   ============================================================ */

.site-footer {
  background: var(--c-bg-2);
  border-top: 1px solid var(--c-border);
  padding: 2rem 0 1.5rem;
  margin-top: 2rem;
}

.footer-inner {
  text-align: center;
}

.footer-logo {
  margin-bottom: 1rem;
  justify-content: center;
}

.footer-disclaimer {
  font-size: 0.75rem;
  color: var(--c-text-3);
  line-height: 1.6;
  margin-bottom: 1rem;
  max-width: 440px;
  margin-left: auto;
  margin-right: auto;
}

.footer-links {
  font-size: 0.8rem;
  color: var(--c-text-3);
}

.footer-links a {
  color: var(--c-text-2);
}

.footer-links a:hover {
  color: var(--c-primary);
  text-decoration: none;
}

/* ============================================================
   UTILITIES / SCROLLBAR
   ============================================================ */
.hidden {
  display: none !important;
}

::-webkit-scrollbar {
  width: 6px;
}

::-webkit-scrollbar-track {
  background: var(--c-bg);
}

::-webkit-scrollbar-thumb {
  background: var(--c-surface);
  border-radius: 99px;
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (min-width: 520px) {
  .wrap {
    max-width: 520px;
    padding: 0 1.25rem;
  }

  .hero {
    padding: 3rem 0 2.5rem;
  }

  .wizard-card {
    padding: 2rem;
  }

  .hero-h1 {
    font-size: 2.3rem;
  }
}

@media (max-width: 380px) {

  .pill-grid,
  .icon-grid {
    grid-template-columns: 1fr;
  }

  .hero-stats {
    gap: 0;
  }

  .stat {
    padding: 0 0.6rem;
  }

  .header-trust {
    display: none;
  }
}

/* ============================================================
   MODALS
   ============================================================ */
.modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 500;
  background: rgba(0, 0, 0, 0.75);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  align-items: flex-end;
  justify-content: center;
}

.modal-overlay.is-open {
  display: flex;
  animation: overlayIn 0.25s ease both;
}

@keyframes overlayIn {
  from {
    opacity: 0;
  }

  to {
    opacity: 1;
  }
}

.modal-box {
  background: #111827;
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-bottom: none;
  border-radius: 20px 20px 0 0;
  width: 100%;
  max-width: 430px;
  max-height: 82vh;
  display: flex;
  flex-direction: column;
  position: relative;
  animation: modalUp 0.32s cubic-bezier(.32, 0, .15, 1) both;
  box-shadow: 0 -16px 60px rgba(0, 0, 0, .6);
}

@keyframes modalUp {
  from {
    transform: translateY(100%);
  }

  to {
    transform: translateY(0);
  }
}

/* Drag handle pill */
.modal-box::before {
  content: '';
  display: block;
  width: 40px;
  height: 4px;
  background: rgba(255, 255, 255, 0.15);
  border-radius: 99px;
  margin: 10px auto 0;
  flex-shrink: 0;
}

.modal-close {
  position: absolute;
  top: 0.85rem;
  right: 1rem;
  background: rgba(255, 255, 255, 0.08);
  border: none;
  color: var(--c-text-2);
  font-size: 1.3rem;
  line-height: 1;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background var(--t), color var(--t);
  font-family: inherit;
}

.modal-close:hover {
  background: rgba(255, 255, 255, 0.16);
  color: var(--c-text);
}

.modal-title {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--c-text);
  letter-spacing: -0.02em;
  padding: 0.75rem 1.25rem 0.75rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.07);
  flex-shrink: 0;
}

.modal-body {
  padding: 1rem 1.25rem 2.5rem;
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
  flex: 1;
  scrollbar-width: thin;
  scrollbar-color: var(--c-surface) transparent;
}

.modal-body h3 {
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--c-primary);
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin: 1.25rem 0 0.4rem;
}

.modal-body h3:first-child {
  margin-top: 0.5rem;
}

.modal-body p {
  font-size: 0.875rem;
  color: var(--c-text-2);
  line-height: 1.65;
}

.modal-body strong {
  color: var(--c-text);
}

.modal-body a {
  color: var(--c-primary);
}

.modal-updated {
  font-size: 0.75rem;
  color: var(--c-text-3);
  margin-bottom: 0.75rem;
  font-style: italic;
}

/* Cookie table */
.modal-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.78rem;
  margin: 0.75rem 0 1rem;
  border-radius: var(--r-sm);
  overflow: hidden;
}

.modal-table th {
  text-align: left;
  padding: 0.5rem 0.6rem;
  background: rgba(255, 255, 255, 0.06);
  color: var(--c-text);
  font-weight: 700;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.modal-table td {
  padding: 0.5rem 0.6rem;
  color: var(--c-text-2);
  border-bottom: 1px solid rgba(255, 255, 255, 0.04);
  vertical-align: top;
}

.modal-table tr:last-child td {
  border-bottom: none;
}