/* ============================================================
   SECURITY LOANS APP — MAIN STYLESHEET
   Theme: Modern Geometric Editorial · Teal / Gold / Black / White
   ============================================================ */
@import url('https://fonts.googleapis.com/css2?family=DM+Serif+Display:ital@0;1&family=Outfit:wght@400;500;600;700;800;900&family=Plus+Jakarta+Sans:wght@300;400;500;600&display=swap');

:root {
  --teal:       #05989b;
  --teal-dark:  #046d6f;
  --teal-light: #e6f7f7;
  --gold:       #f6c607;
  --gold-dark:  #c9a200;
  --black:      #0d0d0d;
  --white:      #ffffff;
  --gray-50:    #f8f9fa;
  --gray-100:   #f1f3f4;
  --gray-200:   #e2e6ea;
  --gray-400:   #9aa5b4;
  --gray-600:   #4a5568;
  --gray-800:   #1a202c;
  --font-display:'DM Serif Display',Georgia,serif;
  --font-head:   'Outfit',sans-serif;
  --font-body:   'Plus Jakarta Sans',sans-serif;
  --radius-sm:6px;--radius-md:12px;--radius-lg:20px;--radius-xl:32px;
  --shadow-sm:0 1px 3px rgba(0,0,0,.08),0 1px 2px rgba(0,0,0,.06);
  --shadow-md:0 4px 16px rgba(0,0,0,.10),0 2px 4px rgba(0,0,0,.06);
  --shadow-lg:0 10px 40px rgba(0,0,0,.14),0 4px 12px rgba(0,0,0,.08);
  --shadow-teal:0 8px 32px rgba(5,152,155,.25);
  --shadow-gold:0 8px 32px rgba(246,198,7,.3);
  --nav-h:72px;--section-pad:96px;--container:1200px;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--font-body);color:var(--gray-800);background:var(--white);line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:inherit;text-decoration:none}
ul,ol{list-style:none}
button,input,select,textarea{font-family:inherit;font-size:inherit;border:none;outline:none;background:none}

/* TYPOGRAPHY */
h1,h2,h3,h4,h5{font-family:var(--font-head);line-height:1.18;font-weight:700;color:var(--black)}
.display{font-family:var(--font-display);font-weight:400}
.text-teal{color:var(--teal)}.text-gold{color:var(--gold-dark)}

/* LAYOUT */
.container{max-width:var(--container);margin:0 auto;padding:0 24px}
.section{padding:var(--section-pad) 0}
.section-sm{padding:56px 0}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}

/* NAV */
.nav{position:sticky;top:0;z-index:1000;background:rgba(255,255,255,.96);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border-bottom:1.5px solid var(--gray-200);height:var(--nav-h)}
.nav-inner{display:flex;align-items:center;height:100%;gap:0}
.nav-logo{display:flex;align-items:center;gap:10px;font-family:var(--font-head);font-weight:800;font-size:19px;color:var(--black);flex-shrink:0;text-decoration:none}
.nav-logo img{width:34px;height:34px;object-fit:contain}
.nav-logo span em{color:var(--teal);font-style:normal}
.nav-menu{display:flex;align-items:center;gap:2px;margin-left:28px;flex:1}
.nav-link{padding:8px 13px;font-family:var(--font-head);font-size:14px;font-weight:600;color:var(--gray-600);border-radius:var(--radius-sm);transition:color .2s,background .2s;white-space:nowrap}
.nav-link:hover,.nav-link.active{color:var(--teal);background:var(--teal-light)}
.nav-dropdown{position:relative}
.nav-dropdown>.nav-link::after{content:'▾';margin-left:4px;font-size:11px}
/* Bridge: invisible pad above menu closes gap so mouse doesn't lose hover */
.nav-dropdown-menu{position:absolute;top:100%;left:0;padding-top:4px;background:transparent;opacity:0;pointer-events:none;transform:translateY(-4px);transition:opacity .18s,transform .18s}
.nav-dropdown:hover .nav-dropdown-menu{opacity:1;pointer-events:auto;transform:translateY(0)}
/* Inner box */
.nav-dropdown-menu::before{content:'';position:absolute;inset:4px 0 0 0;background:var(--white);border:1.5px solid var(--gray-200);border-radius:var(--radius-md);box-shadow:var(--shadow-lg);z-index:-1}
.nav-dropdown-menu{min-width:200px;z-index:1001}
.nav-dropdown-menu a{display:block;padding:8px 14px;font-size:14px;font-weight:500;color:var(--gray-600);border-radius:var(--radius-sm);transition:all .18s;position:relative;z-index:1;margin:0 8px}
.nav-dropdown-menu a:first-child{margin-top:4px}
.nav-dropdown-menu a:last-child{margin-bottom:4px}
.nav-dropdown-menu a:hover{color:var(--teal);background:var(--teal-light)}
.nav-spacer{flex:1;height:2px;margin:0 18px;background:linear-gradient(90deg,transparent,var(--gold) 50%,transparent);border-radius:2px;opacity:.5}
.btn-nav-apply{display:inline-flex;align-items:center;gap:8px;padding:10px 22px;background:var(--teal);color:var(--white);font-family:var(--font-head);font-weight:700;font-size:14px;border-radius:var(--radius-md);transition:all .22s;white-space:nowrap;flex-shrink:0}
.btn-nav-apply:hover{background:var(--teal-dark);transform:translateY(-1px);box-shadow:var(--shadow-teal)}
.nav-mobile-toggle{display:none;align-items:center;justify-content:center;width:40px;height:40px;font-size:22px;cursor:pointer;color:var(--black)}

/* BUTTONS */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 28px;font-family:var(--font-head);font-weight:700;font-size:15px;border-radius:var(--radius-md);transition:all .22s;cursor:pointer;text-decoration:none;border:none}
.btn-primary{background:var(--teal);color:var(--white)}
.btn-primary:hover{background:var(--teal-dark);transform:translateY(-2px);box-shadow:var(--shadow-teal)}
.btn-gold{background:var(--gold);color:var(--black)}
.btn-gold:hover{background:var(--gold-dark);transform:translateY(-2px);box-shadow:var(--shadow-gold)}
.btn-outline{background:transparent;color:var(--teal);border:2px solid var(--teal)}
.btn-outline:hover{background:var(--teal);color:var(--white)}
.btn-dark{background:var(--black);color:var(--white)}
.btn-dark:hover{background:#222;transform:translateY(-2px)}
.btn-lg{padding:18px 40px;font-size:17px;border-radius:var(--radius-lg)}
.btn-sm{padding:10px 20px;font-size:13px}

/* BADGES */
.badge{display:inline-flex;align-items:center;gap:6px;padding:5px 14px;border-radius:50px;font-size:12px;font-weight:700;font-family:var(--font-head);letter-spacing:.04em;text-transform:uppercase}
.badge-teal{background:var(--teal-light);color:var(--teal)}
.badge-gold{background:#fff8d6;color:#8a6e00}
.badge-dark{background:var(--black);color:var(--white)}

/* SECTION HEADERS */
.section-header{text-align:center;max-width:720px;margin:0 auto 56px}
.section-label{font-family:var(--font-head);font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--teal);margin-bottom:12px}
.section-title{font-size:clamp(28px,4vw,44px);margin-bottom:16px}
.section-sub{font-size:17px;color:var(--gray-600);line-height:1.7}

/* HERO */
.hero{position:relative;overflow:hidden;background:linear-gradient(140deg,#f0fdfd 0%,#e6f7f7 45%,#fffbea 100%);min-height:88vh;display:flex;align-items:center}
.hero::before{content:'';position:absolute;inset:0;background-image:radial-gradient(circle at 20% 50%,rgba(5,152,155,.07) 0%,transparent 60%),radial-gradient(circle at 80% 20%,rgba(246,198,7,.08) 0%,transparent 50%)}
.hero-inner{position:relative;z-index:1;display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center;padding:80px 0}
.hero-badge{margin-bottom:20px}
.hero-title{font-size:clamp(36px,5.5vw,66px);line-height:1.08;margin-bottom:24px}
.hero-title .accent{color:var(--teal)}
.hero-title .gold-line{color:var(--gold-dark);font-family:var(--font-display);font-style:italic}
.hero-desc{font-size:18px;color:var(--gray-600);line-height:1.75;margin-bottom:36px;max-width:480px}
.hero-actions{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:40px}
.hero-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border:1.5px solid var(--gray-200);border-radius:var(--radius-lg);background:var(--white);overflow:hidden;box-shadow:var(--shadow-sm);margin-top:8px}
.hero-stats>div{padding:20px 24px;border-right:1.5px solid var(--gray-200);text-align:center}
.hero-stats>div:last-child{border-right:none}
.hero-stats>div:last-child{border-right:none}
.hero-stat-num{font-family:var(--font-head);font-size:22px;font-weight:800;color:var(--black)}
.hero-stat-num span{color:var(--teal)}
.hero-stat-label{font-size:12px;color:var(--gray-400);font-weight:500}
.hero-img-wrap{position:relative}
.hero-img-wrap img{border-radius:var(--radius-xl);box-shadow:var(--shadow-lg);width:100%;aspect-ratio:4/3;object-fit:cover}
.hero-img-badge{position:absolute;bottom:24px;left:-24px;background:var(--white);border-radius:var(--radius-md);padding:14px 18px;box-shadow:var(--shadow-md);display:flex;align-items:center;gap:12px}
.hero-img-badge .icon{width:40px;height:40px;background:var(--teal-light);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:18px}
.hero-img-badge .lbl{font-family:var(--font-head);font-size:13px;font-weight:700;color:var(--black)}
.hero-img-badge .sub{font-size:11px;color:var(--gray-400)}

/* AMOUNT CARDS */
.amount-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:40px 0}
.amount-card{background:var(--white);border:2px solid var(--gray-200);border-radius:var(--radius-lg);padding:28px 20px;text-align:center;cursor:pointer;transition:all .25s;position:relative;overflow:hidden}
.amount-card::before{content:'';position:absolute;inset:0;background:linear-gradient(135deg,var(--teal),var(--teal-dark));opacity:0;transition:opacity .25s}
.amount-card:hover,.amount-card.sel{border-color:var(--teal);transform:translateY(-4px);box-shadow:var(--shadow-teal)}
.amount-card:hover::before,.amount-card.sel::before{opacity:1}
.amount-card .inner{position:relative;z-index:1}
.amount-card:hover .amt,.amount-card.sel .amt,
.amount-card:hover .amt-lbl,.amount-card.sel .amt-lbl{color:var(--white)}
.amt{font-family:var(--font-head);font-size:28px;font-weight:800;color:var(--black);transition:color .25s}
.amt-lbl{font-size:13px;color:var(--gray-400);margin-top:4px;transition:color .25s;font-weight:500}

/* LOAN CATEGORY CARDS */
.loan-cat-card{background:var(--white);border:1.5px solid var(--gray-200);border-radius:var(--radius-lg);overflow:hidden;transition:all .25s;cursor:pointer;display:block}
.loan-cat-card:hover{border-color:var(--teal);box-shadow:var(--shadow-teal);transform:translateY(-4px)}
.loan-cat-card .img-wrap{overflow:hidden}
.loan-cat-card img{width:100%;aspect-ratio:3/2;object-fit:cover;transition:transform .4s}
.loan-cat-card:hover img{transform:scale(1.05)}
.loan-cat-card-body{padding:20px}
.loan-cat-card-title{font-family:var(--font-head);font-size:17px;font-weight:700;margin-bottom:6px;color:var(--black)}
.loan-cat-card-desc{font-size:13px;color:var(--gray-600);line-height:1.55}
.loan-cat-card-meta{display:flex;gap:12px;margin-top:12px;font-size:12px;font-weight:600;font-family:var(--font-head)}
.loan-cat-card-meta .range{color:var(--teal)}.loan-cat-card-meta .rate{color:var(--gray-400)}

/* CONTENT BLOCK */
.content-block{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center;margin-bottom:80px}
.content-block.reverse{direction:rtl}.content-block.reverse>*{direction:ltr}
.content-block-img{border-radius:var(--radius-xl);overflow:hidden;box-shadow:var(--shadow-md)}
.content-block-img img{width:100%;aspect-ratio:2/3;object-fit:cover}
.content-block-text h2{font-size:clamp(24px,3vw,36px);margin-bottom:16px}
.content-block-text p{color:var(--gray-600);line-height:1.78;margin-bottom:16px;font-size:16px}

/* BLOG CARDS */
.blog-card{background:var(--white);border-radius:var(--radius-lg);overflow:hidden;border:1.5px solid var(--gray-200);transition:all .25s}
.blog-card:hover{border-color:var(--teal);box-shadow:var(--shadow-md);transform:translateY(-3px)}
.blog-card .img-link{display:block;overflow:hidden}
.blog-card-img{width:100%;aspect-ratio:3/2;object-fit:cover;transition:transform .4s}
.blog-card:hover .blog-card-img{transform:scale(1.05)}
.blog-card-body{padding:22px}
.blog-card-cat{font-size:11px;font-weight:700;font-family:var(--font-head);color:var(--teal);text-transform:uppercase;letter-spacing:.08em;margin-bottom:8px}
.blog-card-title{font-size:16px;font-weight:700;font-family:var(--font-head);color:var(--black);line-height:1.35;margin-bottom:10px}
.blog-card-title a:hover{color:var(--teal)}
.blog-card-excerpt{font-size:13px;color:var(--gray-600);line-height:1.6;margin-bottom:12px}
.blog-card-meta{font-size:12px;color:var(--gray-400);display:flex;align-items:center;gap:10px}
.blog-social{display:flex;gap:10px;margin-top:16px}
.blog-social a{width:32px;height:32px;border-radius:50%;background:var(--gray-100);display:flex;align-items:center;justify-content:center;font-size:14px;transition:all .2s;color:var(--gray-600)}
.blog-social a:hover{background:var(--teal);color:var(--white)}

/* REVIEW */
.stars{display:flex;gap:3px;color:var(--gold)}
.review-summary{display:flex;align-items:center;gap:24px;background:linear-gradient(135deg,var(--teal-light),#fffbea);border-radius:var(--radius-lg);padding:28px 32px;margin-bottom:40px;border:1.5px solid var(--gray-200)}
.review-summary .big-num{font-family:var(--font-head);font-size:56px;font-weight:800;color:var(--teal);line-height:1}
.review-cards-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.review-card{background:var(--white);border:1.5px solid var(--gray-200);border-radius:var(--radius-lg);padding:24px;transition:box-shadow .2s}
.review-card:hover{box-shadow:var(--shadow-md)}
.review-card-header{display:flex;align-items:center;gap:12px;margin-bottom:12px}
.reviewer-avatar{width:40px;height:40px;border-radius:50%;background:linear-gradient(135deg,var(--teal),var(--teal-dark));display:flex;align-items:center;justify-content:center;font-family:var(--font-head);font-weight:700;font-size:15px;color:var(--white);flex-shrink:0}
.reviewer-name{font-weight:600;font-size:14px;font-family:var(--font-head)}
.reviewer-date{font-size:11px;color:var(--gray-400)}
.review-text{font-size:13px;color:var(--gray-600);line-height:1.6}

/* FAQ */
.faq-item{border-bottom:1.5px solid var(--gray-200)}
.faq-item:first-child{border-top:1.5px solid var(--gray-200)}
.faq-q{display:flex;justify-content:space-between;align-items:center;padding:20px 0;cursor:pointer;font-family:var(--font-head);font-weight:600;font-size:16px;color:var(--black);transition:color .2s;gap:16px;user-select:none}
.faq-q:hover{color:var(--teal)}
.faq-icon{flex-shrink:0;width:28px;height:28px;border-radius:50%;background:var(--gray-100);display:flex;align-items:center;justify-content:center;font-size:18px;transition:all .3s;color:var(--teal);font-weight:700;line-height:1}
.faq-item.open .faq-icon{background:var(--teal);color:var(--white);transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease,padding .25s}
.faq-item.open .faq-a{max-height:400px;padding-bottom:20px}
.faq-a p{font-size:15px;color:var(--gray-600);line-height:1.75}

/* CALCULATOR */
.calc-wrap{background:linear-gradient(135deg,var(--black) 0%,#0f2424 100%);border-radius:var(--radius-xl);padding:48px;color:var(--white)}
.calc-wrap h2{color:var(--white);margin-bottom:8px}
.calc-row{display:grid;grid-template-columns:1fr 1fr 1fr;gap:24px;margin:32px 0}
.calc-field label{display:block;font-size:12px;font-weight:700;font-family:var(--font-head);text-transform:uppercase;letter-spacing:.06em;color:rgba(255,255,255,.55);margin-bottom:8px}
.calc-field input,.calc-field select{width:100%;background:rgba(255,255,255,.08);border:1.5px solid rgba(255,255,255,.15);border-radius:var(--radius-md);padding:14px 16px;color:var(--white);font-size:15px;transition:border-color .2s}
.calc-field input::placeholder{color:rgba(255,255,255,.35)}
.calc-field input:focus,.calc-field select:focus{border-color:var(--teal)}
.calc-field select option{background:var(--black);color:var(--white)}
.calc-result{background:rgba(5,152,155,.15);border:2px solid var(--teal);border-radius:var(--radius-lg);padding:28px;text-align:center;margin-top:0}
.calc-result-label{font-size:12px;color:rgba(255,255,255,.55);font-family:var(--font-head);text-transform:uppercase;letter-spacing:.08em;margin-bottom:8px}
.calc-result-amount{font-family:var(--font-head);font-size:48px;font-weight:800;color:var(--gold)}
.calc-note{font-size:12px;color:rgba(255,255,255,.4);margin-top:12px;line-height:1.5}

/* COMPARE */
.compare-table{width:100%;border-collapse:collapse;border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-sm)}
.compare-table th{background:var(--black);color:var(--white);font-family:var(--font-head);font-size:13px;font-weight:700;padding:14px 16px;text-align:left;white-space:nowrap}
.compare-table td{padding:13px 16px;font-size:14px;border-bottom:1px solid var(--gray-200);vertical-align:top;color:var(--gray-600);line-height:1.5}
.compare-table tr:hover td{background:var(--gray-50)}
.compare-table tr:last-child td{border-bottom:none}
.compare-table .lender-name{font-weight:600;color:var(--black);font-family:var(--font-head);font-size:15px}
.compare-table .rate{color:var(--teal);font-weight:700}

/* BREADCRUMB */
.breadcrumb{padding:14px 0;font-size:13px;color:var(--gray-400);display:flex;align-items:center;gap:6px;flex-wrap:wrap}
.breadcrumb a{color:var(--teal);transition:color .2s}.breadcrumb a:hover{color:var(--teal-dark)}
.breadcrumb-sep{color:var(--gray-200)}

/* CTA ZONE */
.cta-zone{background:linear-gradient(135deg,var(--teal) 0%,var(--teal-dark) 100%);padding:80px 0;position:relative;overflow:hidden}
.cta-zone::before{content:'';position:absolute;right:-80px;top:-80px;width:400px;height:400px;border-radius:50%;background:rgba(255,255,255,.06)}
.cta-zone::after{content:'';position:absolute;left:-40px;bottom:-60px;width:280px;height:280px;border-radius:50%;background:rgba(246,198,7,.1)}
.cta-inner{position:relative;z-index:1;text-align:center;max-width:640px;margin:0 auto}
.cta-inner h2{color:var(--white);font-size:clamp(28px,4vw,46px);margin-bottom:16px}
.cta-inner p{color:rgba(255,255,255,.85);font-size:18px;margin-bottom:36px}

/* FOOTER */
.footer{background:var(--black);color:rgba(255,255,255,.65);padding:64px 0 32px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:48px;margin-bottom:48px}
.footer-brand{display:flex;align-items:center;gap:8px;font-family:var(--font-head);font-size:19px;font-weight:800;color:var(--white);margin-bottom:16px}
.footer-brand img{width:30px;height:30px;object-fit:contain}
.footer-desc{font-size:14px;line-height:1.75;margin-bottom:20px}
.footer-contact{font-size:13px;line-height:2.2}
.footer-contact a{color:var(--teal)}.footer-contact a:hover{color:var(--gold)}
.footer-col-title{font-family:var(--font-head);font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--white);margin-bottom:16px}
.footer-links{display:flex;flex-direction:column;gap:10px}
.footer-links a{font-size:13px;color:rgba(255,255,255,.55);transition:color .2s}
.footer-links a:hover{color:var(--teal)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:24px}
.footer-copy{font-size:12px;margin-bottom:12px}
.footer-disclosure{font-size:11px;color:rgba(255,255,255,.35);line-height:1.7;max-width:900px}

/* SCROLL TOP */
.scroll-top{position:fixed;bottom:28px;right:28px;z-index:999;width:44px;height:44px;border-radius:50%;background:var(--teal);color:var(--white);display:flex;align-items:center;justify-content:center;font-size:20px;cursor:pointer;box-shadow:var(--shadow-teal);opacity:0;transform:translateY(8px);transition:all .3s;border:none}
.scroll-top.show{opacity:1;transform:translateY(0)}
.scroll-top:hover{background:var(--teal-dark);transform:translateY(-2px)}

/* FORM */
.form-section{background:var(--gray-50);border-radius:var(--radius-xl);padding:48px;border:1.5px solid var(--gray-200)}

/* UTILS */
.text-center{text-align:center}
.mt-8{margin-top:8px}.mt-16{margin-top:16px}.mt-24{margin-top:24px}.mt-32{margin-top:32px}.mt-48{margin-top:48px}
.mb-8{margin-bottom:8px}.mb-16{margin-bottom:16px}.mb-24{margin-bottom:24px}.mb-32{margin-bottom:32px}
.flex{display:flex}.flex-center{display:flex;align-items:center;justify-content:center}.gap-12{gap:12px}.gap-16{gap:16px}
.teal-divider{height:3px;background:linear-gradient(90deg,var(--teal),var(--gold));border-radius:2px;margin:32px 0}
.highlight-box{background:var(--teal-light);border-left:4px solid var(--teal);border-radius:0 var(--radius-md) var(--radius-md) 0;padding:18px 20px;margin:24px 0}
.highlight-box p{font-size:15px;color:var(--gray-600);line-height:1.7;margin:0}
.info-box{background:#fff8d6;border-left:4px solid var(--gold);border-radius:0 var(--radius-md) var(--radius-md) 0;padding:18px 20px;margin:24px 0}
.info-box p{font-size:15px;color:var(--gray-800);line-height:1.7;margin:0}
.sidebar-layout{display:grid;grid-template-columns:1fr 320px;gap:48px;align-items:start}
.sidebar{background:var(--gray-50);border-radius:var(--radius-lg);padding:28px;border:1.5px solid var(--gray-200)}
.sidebar-widget{margin-bottom:28px}.sidebar-widget:last-child{margin-bottom:0}
.sidebar-widget-title{font-family:var(--font-head);font-size:15px;font-weight:700;color:var(--black);margin-bottom:14px;padding-bottom:10px;border-bottom:2px solid var(--teal)}

/* STEPS */
.steps{display:flex;gap:0;flex-wrap:wrap;margin:40px 0}
.step{flex:1;min-width:200px;text-align:center;padding:28px 20px;position:relative}
.step::after{content:'→';position:absolute;right:-12px;top:50%;transform:translateY(-50%);font-size:20px;color:var(--teal);font-weight:700}
.step:last-child::after{display:none}
.step-num{width:52px;height:52px;border-radius:50%;background:var(--teal);color:var(--white);font-family:var(--font-head);font-size:20px;font-weight:800;display:flex;align-items:center;justify-content:center;margin:0 auto 16px}
.step-title{font-family:var(--font-head);font-weight:700;font-size:15px;margin-bottom:8px}
.step-desc{font-size:13px;color:var(--gray-600);line-height:1.55}

/* AUTHOR */
.author-box{display:flex;align-items:center;gap:16px;padding:20px;background:var(--gray-50);border-radius:var(--radius-md);border:1.5px solid var(--gray-200);margin:32px 0}
.author-avatar{width:56px;height:56px;border-radius:50%;background:linear-gradient(135deg,var(--teal),var(--teal-dark));display:flex;align-items:center;justify-content:center;font-family:var(--font-head);font-weight:800;font-size:22px;color:var(--white);flex-shrink:0}
.author-name{font-family:var(--font-head);font-weight:700;font-size:16px;color:var(--black)}
.author-role{font-size:13px;color:var(--gray-400)}

/* RELATED POSTS */
.related-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:32px}

/* ANIMATIONS */
@keyframes fadeInUp{from{opacity:0;transform:translateY(24px)}to{opacity:1;transform:translateY(0)}}
@keyframes fadeIn{from{opacity:0}to{opacity:1}}
.anim-fade-up{animation:fadeInUp .6s ease both}
.anim-fade{animation:fadeIn .6s ease both}
.delay-1{animation-delay:.1s}.delay-2{animation-delay:.2s}.delay-3{animation-delay:.3s}.delay-4{animation-delay:.4s}.delay-5{animation-delay:.5s}

/* MOBILE */
@media(max-width:1024px){
  :root{--section-pad:72px}
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr;gap:32px}
  .sidebar-layout{grid-template-columns:1fr}
}
@media(max-width:768px){
  :root{--section-pad:56px;--nav-h:64px}
  .nav-menu{display:none}
  .nav-mobile-toggle{display:flex}
  .btn-nav-apply{padding:8px 14px;font-size:13px}
  .hero-inner{grid-template-columns:1fr;gap:40px;padding:56px 0}
  .hero-img-wrap{order:-1}
  .hero-img-wrap img{aspect-ratio:16/9}
  .hero-img-badge{left:12px;bottom:12px}
  .grid-2,.grid-3,.content-block,.review-cards-grid,.related-grid{grid-template-columns:1fr}
  .content-block.reverse{direction:ltr}
  .calc-row{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .hero-stats{gap:0}
  .steps{flex-direction:column}.step::after{content:'↓';right:auto;bottom:-16px;top:auto;left:50%;transform:translateX(-50%)}
}
@media(max-width:480px){
  .amount-cards{grid-template-columns:1fr;gap:12px}
  .hero-actions{flex-direction:column}
  .nav-spacer{display:none}
  .calc-wrap{padding:28px 20px}
  .form-section{padding:28px 20px}
}

/* ═══ SYMMETRY & TYPOGRAPHIC POLISH ════════════════════════════════ */

/* Prevent lone words on last line (widow/orphan control) */
.hero-title, .section-title, h1, h2, h3 {
  text-wrap: balance;
  word-break: break-word;
}
p, .loan-cat-card-desc, .blog-card-excerpt, .review-text, .step-desc {
  text-wrap: pretty;
}

/* Loan cat 7-card grid: center the 7th card in col 2 */
.grid-3 > .loan-cat-card[style*="grid-column:2"] {
  grid-column: 2;
  justify-self: center;
  width: 100%;
}

/* Blog cards equal height */
.grid-3 .blog-card {
  display: flex;
  flex-direction: column;
}
.grid-3 .blog-card .blog-card-body {
  flex: 1;
  display: flex;
  flex-direction: column;
}
.grid-3 .blog-card .blog-card-meta {
  margin-top: auto;
  padding-top: 12px;
}

/* Review cards equal height */
.review-cards-grid .review-card {
  display: flex;
  flex-direction: column;
}
.review-cards-grid .review-card .review-text {
  flex: 1;
}

/* Loan cat cards equal height */
.grid-3 .loan-cat-card {
  display: flex;
  flex-direction: column;
}
.grid-3 .loan-cat-card .loan-cat-card-body {
  flex: 1;
  display: flex;
  flex-direction: column;
}
.grid-3 .loan-cat-card .loan-cat-card-meta {
  margin-top: auto;
  padding-top: 10px;
}

/* Amount cards equal width without overflow */
.amount-cards {
  gap: 16px;
}
.amount-card {
  min-width: 0;
}

/* Nav dropdown: prevent text wrapping */
.nav-dropdown-menu a {
  white-space: nowrap;
}

/* Hero stats: prevent awkward line breaks */
.hero-stats > div {
  min-width: 80px;
}

/* Button text: no orphan */
.btn {
  white-space: nowrap;
}
.btn-lg {
  white-space: nowrap;
}

/* Sidebar widget links: consistent spacing */
.sidebar .footer-links {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.sidebar .footer-links a {
  font-size: 13px;
  color: var(--gray-600);
  padding: 4px 0;
  border-bottom: 1px solid var(--gray-100);
  transition: color .2s, padding-left .2s;
}
.sidebar .footer-links a:hover {
  color: var(--teal);
  padding-left: 4px;
}

/* Steps symmetry: equal height */
.steps .step {
  display: flex;
  flex-direction: column;
  align-items: center;
}
.steps .step-desc {
  text-align: center;
  flex: 1;
}

/* Trust bar numbers: uniform width */
.section[style*="background:var(--black)"] .grid-4 > div {
  min-width: 0;
  padding: 16px 8px;
}

/* Footer links: consistent vertical rhythm */
.footer-links {
  gap: 12px;
}

/* Related grid: equal height cards */
.related-grid .blog-card {
  display: flex;
  flex-direction: column;
}
.related-grid .blog-card .blog-card-body {
  flex: 1;
}

/* ═══ ADVANCED SEO POLISH ═══════════════════════════════════════════ */
/* Improve readability/CLS: reserve space for lazy images */
.loan-cat-card .img-wrap,
.blog-card .img-link {
  overflow: hidden;
  display: block;
}
.loan-cat-card img,
.blog-card-img {
  display: block;
  width: 100%;
}

/* Anchor underline on hover for accessibility */
.blog-card-title a:hover,
.footer-links a:hover {
  text-decoration: underline;
  text-decoration-color: currentColor;
  text-underline-offset: 3px;
}

/* Focus styles for accessibility (Core Web Vitals) */
a:focus-visible,
button:focus-visible,
[role="button"]:focus-visible {
  outline: 3px solid var(--teal);
  outline-offset: 2px;
  border-radius: 4px;
}

/* Smooth images load */
img {
  transition: opacity .3s;
}
img[loading="lazy"] {
  opacity: 0;
}
img[loading="lazy"].loaded,
img:not([loading="lazy"]) {
  opacity: 1;
}

@media (max-width: 768px) {
  /* Mobile: center 7th card */
  .grid-3 > .loan-cat-card[style*="grid-column:2"] {
    grid-column: 1;
  }
  /* Mobile: amount cards single col */
  .amount-cards {
    grid-template-columns: 1fr;
  }
  /* Mobile: steps arrow fix */
  .steps {
    gap: 32px;
  }
}

/* ── DISCLOSURE UPGRADE ──────────────────────────────────── */
.footer-disclosure{font-size:11px;color:rgba(255,255,255,.38);line-height:1.75;max-width:100%}
.footer-disclosure p{margin-bottom:10px;line-height:1.75}
.footer-disclosure p:last-child{margin-bottom:0}
.footer-disclosure strong{color:rgba(255,255,255,.6)}

/* ── HERO STATS: mobile stays 3-col but smaller ──────────── */
@media(max-width:480px){
  .hero-stats{grid-template-columns:repeat(3,1fr)}
  .hero-stats>div{padding:14px 10px}
  .hero-stat-num{font-size:15px}
  .hero-stat-label{font-size:10px}
}
@media(max-width:768px){
  .hero-stats{grid-template-columns:repeat(3,1fr)}
  .hero-stats>div{padding:16px 12px}
  .hero-stat-num{font-size:17px}
}

/* ── SIDEBAR WIDGET: browse links hover ─────────────────── */
.sidebar-widget a[onmouseover]:hover{
  border-color:var(--teal) !important;
  color:var(--teal) !important;
  background:var(--teal-light);
}

/* ── ELITE SEO UTILITY CLASSES ──────────────────────────────────────── */
/* Replace inline styles for better Core Web Vitals & maintainability */

/* Trust bar */
.trust-bar{background:var(--black);padding:var(--section-pad) 0}
.trust-bar .grid-4>div{color:white;text-align:center;padding:16px 8px;min-width:0}
.trust-num{font-family:var(--font-head);font-size:44px;font-weight:800;line-height:1}
.trust-num-teal{color:var(--teal)}
.trust-num-gold{color:var(--gold)}
.trust-lbl{font-size:14px;color:rgba(255,255,255,.6);margin-top:6px}

/* Internal link hub */
.link-hub{background:var(--gray-100);padding:40px 0}
.link-hub .section-label{text-align:center;margin-bottom:20px}
.link-hub-row{display:flex;flex-wrap:wrap;gap:10px;justify-content:center}

/* Blog hero stat strip */
.blog-meta-strip{display:flex;align-items:center;gap:12px;flex-wrap:wrap;margin-bottom:16px}
.blog-date-meta{font-size:13px;color:var(--gray-400)}

/* Full-width hero image */
.hero-img-fullwidth{border-radius:var(--radius-xl);overflow:hidden;box-shadow:var(--shadow-lg);max-height:480px}
.hero-img-fullwidth img{width:100%;height:480px;object-fit:cover}

/* Sidebar rate table */
.rate-row{display:flex;justify-content:space-between;align-items:center;padding:10px 14px;border-radius:var(--radius-md)}
.rate-row-teal{background:var(--teal-light)}
.rate-row-gray{background:var(--gray-100)}
.rate-val{font-family:var(--font-head);font-weight:800;font-size:14px}
.rate-val-teal{color:var(--teal)}
.rate-val-dark{color:var(--gray-800)}
.rate-note{font-size:11px;color:var(--gray-400);line-height:1.5;margin-top:2px}

/* Sidebar loan type links */
.loan-type-link{display:flex;align-items:center;gap:10px;padding:9px 12px;border-radius:var(--radius-md);border:1.5px solid var(--gray-200);font-size:13px;color:var(--gray-700);font-weight:500;transition:all .2s;text-decoration:none}
.loan-type-link:hover{border-color:var(--teal);color:var(--teal);background:var(--teal-light)}

/* Security promise card */
.promise-card{background:linear-gradient(135deg,var(--black) 0%,#0f2424 100%);border-radius:var(--radius-md);padding:22px}
.promise-title{font-family:var(--font-head);font-weight:800;color:var(--white);font-size:15px;margin-bottom:14px}
.promise-item{display:flex;align-items:flex-start;gap:10px;margin-bottom:10px}
.promise-item:last-of-type{margin-bottom:0}
.promise-check{color:var(--teal);font-size:14px;margin-top:1px;flex-shrink:0}
.promise-star{color:var(--gold);font-size:14px;margin-top:1px;flex-shrink:0}
.promise-text{font-size:13px;color:rgba(255,255,255,.8);line-height:1.5}

/* Footer disclosure paragraphs */
.footer-disclosure p+p{margin-top:10px}

/* Inline step arrows on desktop */
@media(min-width:769px){
  .steps{display:flex;align-items:stretch}
  .step{flex:1}
}

/* Remove any remaining text-decoration on card links */
.loan-cat-card,.blog-card,.review-card{text-decoration:none}

/* Print styles for SEO */
@media print{
  .nav,.scroll-top,.btn-nav-apply,.cta-zone{display:none}
  body{color:#000;background:#fff}
  a[href]:after{content:" (" attr(href) ")";font-size:10px}
}

/* ── PREVENT EMPTY GRID COLUMNS ─────────────────────────────── */
/* content-block ที่ไม่มี img col ให้เป็น single-column */
.content-block:not(:has(.content-block-img)){
  display:block;
}
.content-block:not(:has(.content-block-img)) .content-block-text{
  max-width:720px;
  margin:0 auto;
}