/* ============================================================
   Rise Credit — Main Stylesheet
   Theme: Trusted Banking (Navy #1E40AF + Sky Blue + White)
   Fonts: Plus Jakarta Sans (headings) + Inter (body)
   ============================================================ */


:root {
  --navy:        #1E40AF;
  --navy-light:  #2A52C9;
  --navy-deep:   #0F172A;
  --teal:        #0EA5E9;
  --teal-dark:   #0284C7;
  --teal-light:  #E0F2FE;
  --amber:       #FBBF24;
  --amber-light: #FEF3C7;
  --red:         #EF4444;
  --red-light:   #FEE2E2;
  --green:       #10B981;
  --green-light: #D1FAE5;
  --text:        #0F172A;
  --text-2:      #475569;
  --text-3:      #94A3B8;
  --bg:          #F8FAFC;
  --bg-blue:     #EFF6FF;
  --white:       #FFFFFF;
  --border:      #E2E8F0;
  --border-dark: #CBD5E1;
  --shadow-sm:   0 1px 3px rgba(15,23,42,.06);
  --shadow-md:   0 4px 20px rgba(30,64,175,.08);
  --shadow-lg:   0 16px 48px rgba(30,64,175,.14);
  --radius:      10px;
  --radius-lg:   16px;
  --radius-xl:   24px;
}

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

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: 'Inter', sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

h1,h2,h3,h4,h5,h6 {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 700;
  line-height: 1.25;
  color: var(--navy);
}

h1 { font-size: clamp(2rem, 5vw, 3rem); }
h2 { font-size: clamp(1.5rem, 3.5vw, 2.25rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.5rem); }
h4 { font-size: 1.125rem; }

p { margin-bottom: 1rem; color: var(--text-2); }
p:last-child { margin-bottom: 0; }

a { color: var(--teal); text-decoration: none; transition: color .2s; }
a:hover { color: var(--teal-dark); }

img { max-width: 100%; height: auto; display: block; }

ul, ol { padding-left: 1.5rem; }
li { margin-bottom: .4rem; color: var(--text-2); }

strong { color: var(--text); font-weight: 600; }

/* ── Layout ───────────────────────────────────────────── */
.container { max-width: 1160px; margin: 0 auto; padding: 0 24px; }
.container-sm { max-width: 820px; margin: 0 auto; padding: 0 24px; }

section { padding: 72px 0; }
section.bg-white { background: var(--white); }
section.bg-navy { background: var(--navy); }
section.bg-teal { background: var(--teal); }

/* ── Navigation ──────────────────────────────────────── */
.navbar {
  background: var(--white);
  position: relative;
  z-index: 100;
  border-bottom: 1px solid var(--border);
  box-shadow: 0 1px 8px rgba(15,23,42,.04);
}

.navbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
  gap: 24px;
}

.navbar-brand {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}

.brand-icon {
  width: 38px;
  height: 38px;
  background: var(--teal);
  border-radius: 9px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 800;
  font-size: 18px;
  color: white;
  flex-shrink: 0;
}

.brand-text {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 800;
  font-size: 1.15rem;
  color: var(--text);
  line-height: 1.1;
  letter-spacing: -.02em;
}
.brand-text .w1 { color: var(--navy); }
.brand-text .w2 { color: var(--teal); }
.brand-text .w3 { color: var(--text-3); font-size: .8em; font-weight: 500; }

.navbar-nav {
  display: flex;
  align-items: center;
  gap: 4px;
  list-style: none;
  padding: 0;
}

.navbar-nav a {
  color: var(--text-2);
  font-size: .9rem;
  font-weight: 500;
  padding: 6px 14px;
  border-radius: 6px;
  transition: all .2s;
  white-space: nowrap;
}

.navbar-nav a:hover,
.navbar-nav a.active {
  color: var(--navy);
  background: var(--bg-blue);
}

.nav-cta {
  background: var(--navy) !important;
  color: white !important;
  font-weight: 700 !important;
  border-radius: 8px !important;
}
.nav-cta:hover { background: var(--navy-light) !important; transform: translateY(-1px); color: white !important; }

/* Dropdown */
.nav-dropdown { position: relative; }
.nav-dropdown > a::after { content: ' ▾'; font-size: .7em; }
.dropdown-menu {
  display: none;
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  min-width: 200px;
  padding: 8px;
  z-index: 200;
}
.nav-dropdown:hover .dropdown-menu { display: block; }
.dropdown-menu a {
  display: block;
  color: var(--text) !important;
  padding: 8px 12px !important;
  border-radius: 6px !important;
  font-size: .875rem !important;
  background: transparent !important;
}
.dropdown-menu a:hover { background: var(--teal-light) !important; color: var(--teal-dark) !important; }

/* Mobile nav */
.hamburger { display: none; background: none; border: none; cursor: pointer; padding: 6px; }
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy);
  margin: 5px 0;
  transition: .3s;
  border-radius: 2px;
}

/* ── Breadcrumb ───────────────────────────────────────── */
.breadcrumb {
  background: white;
  border-bottom: 1px solid var(--border);
  padding: 10px 0;
  font-size: .825rem;
  color: var(--text-3);
}
.breadcrumb a { color: var(--teal); }
.breadcrumb span { margin: 0 6px; }

/* ── Buttons ─────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 28px;
  border-radius: 10px;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 700;
  font-size: .95rem;
  cursor: pointer;
  border: none;
  transition: all .2s;
  text-decoration: none;
  white-space: nowrap;
}

.btn-primary {
  background: var(--teal);
  color: white;
}
.btn-primary:hover { background: var(--teal-dark); transform: translateY(-2px); box-shadow: 0 6px 20px rgba(14,165,233,.35); color: white; }

.btn-amber {
  background: var(--navy);
  color: white;
}
.btn-amber:hover { background: var(--navy-light); transform: translateY(-2px); box-shadow: 0 6px 20px rgba(30,64,175,.35); color: white; }

.btn-outline {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--navy);
}
.btn-outline:hover { background: var(--navy); color: white; }

.form-card .btn-amber {
  background: #FBBF24;
  color: #0F172A;
}
.form-card .btn-amber:hover { background: #FCD34D; color: #0F172A; box-shadow: 0 6px 20px rgba(251,191,36,.4); }

.hero .btn-amber {
  background: #FBBF24;
  color: #0F172A;
  box-shadow: 0 4px 14px rgba(251,191,36,.35);
}
.hero .btn-amber:hover { background: #FCD34D; box-shadow: 0 8px 24px rgba(251,191,36,.5); color: #0F172A; transform: translateY(-2px); }

.cta-banner .btn-amber {
  background: #FBBF24;
  color: #0F172A;
  box-shadow: 0 4px 14px rgba(251,191,36,.4);
}
.cta-banner .btn-amber:hover { background: #FCD34D; box-shadow: 0 8px 24px rgba(251,191,36,.55); color: #0F172A; }

.cta-banner .btn-outline,
.page-header .btn-outline,
.hero .btn-outline,
.calc-header .btn-outline {
  color: white;
  border-color: rgba(255,255,255,.6);
}
.cta-banner .btn-outline:hover,
.page-header .btn-outline:hover,
.hero .btn-outline:hover,
.calc-header .btn-outline:hover { background: rgba(255,255,255,.15); border-color: white; color: white; }

.btn-outline-teal {
  background: transparent;
  color: var(--teal-dark);
  border: 2px solid var(--teal);
}
.btn-outline-teal:hover { background: var(--teal); color: white; }

.btn-lg { padding: 16px 36px; font-size: 1.05rem; }
.btn-sm { padding: 9px 18px; font-size: .85rem; }

.btn-block { width: 100%; justify-content: center; }

/* ── Cards ───────────────────────────────────────────── */
.card {
  background: white;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  overflow: hidden;
  transition: box-shadow .2s, transform .2s;
}
.card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.card-body { padding: 28px; }
.card-header { padding: 20px 28px; border-bottom: 1px solid var(--border); }

/* ── Hero ─────────────────────────────────────────────── */
.hero {
  /* JPG fallback for old browsers */
  background:
    linear-gradient(135deg, rgba(15,23,42,.82) 0%, rgba(30,64,175,.78) 60%, rgba(30,64,175,.85) 100%),
    url('../images/hero-bg.jpg') center/cover no-repeat;
  /* Modern browsers — AVIF first, WebP, then JPG */
  background:
    linear-gradient(135deg, rgba(15,23,42,.82) 0%, rgba(30,64,175,.78) 60%, rgba(30,64,175,.85) 100%),
    image-set(
      url('../images/hero-bg.avif') type('image/avif'),
      url('../images/hero-bg.webp') type('image/webp'),
      url('../images/hero-bg.jpg') type('image/jpeg')
    ) center/cover no-repeat;
  padding: 96px 0 84px;
  position: relative;
  overflow: hidden;
  border-bottom: 1px solid var(--navy);
}

.hero::before {
  content: '';
  position: absolute;
  right: -120px;
  top: -120px;
  width: 500px;
  height: 500px;
  background: var(--teal);
  opacity: .12;
  border-radius: 50%;
  z-index: 0;
}

.hero::after {
  content: '';
  position: absolute;
  left: -60px;
  bottom: -80px;
  width: 320px;
  height: 320px;
  background: #60A5FA;
  opacity: .08;
  border-radius: 50%;
  z-index: 0;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 400px;
  gap: 56px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(14,165,233,.22);
  color: #7DD3FC;
  font-size: .8rem;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  padding: 7px 16px;
  border-radius: 20px;
  margin-bottom: 20px;
  border: 1px solid rgba(125,211,252,.3);
  backdrop-filter: blur(8px);
}

.hero h1 { color: white; margin-bottom: 20px; }
.hero h1 span { color: #38BDF8; }

.hero-lead {
  color: rgba(255,255,255,.92);
  font-size: 1.1rem;
  margin-bottom: 32px;
  text-shadow: 0 1px 2px rgba(0,0,0,.2);
}

.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }

.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-top: 40px;
}

.hero-stat {
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.2);
  border-radius: var(--radius);
  padding: 18px 14px;
  text-align: center;
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
}
.hero-stat .num {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 800;
  font-size: 1.5rem;
  color: #7DD3FC;
}
.hero-stat .lbl { font-size: .8rem; color: rgba(255,255,255,.85); margin-top: 4px; font-weight: 500; }

/* ── Form Card (Loan Form) ────────────────────────────── */
.form-card {
  background: white;
  border-radius: var(--radius-xl);
  padding: 32px;
  box-shadow: 0 20px 60px rgba(0,0,0,.25), 0 4px 16px rgba(0,0,0,.15);
}
.form-card h3 { color: var(--navy); margin-bottom: 6px; font-size: 1.3rem; }
.form-card .sub { color: var(--text-3); font-size: .875rem; margin-bottom: 24px; }

.form-group { margin-bottom: 16px; }
.form-group label {
  display: block;
  font-size: .875rem;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 6px;
}
.form-group input,
.form-group select {
  width: 100%;
  padding: 11px 14px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  font-size: .925rem;
  color: var(--text);
  font-family: 'Inter', sans-serif;
  outline: none;
  transition: border-color .2s;
  background: white;
}
.form-group input:focus,
.form-group select:focus { border-color: var(--teal); box-shadow: 0 0 0 3px rgba(0,168,157,.12); }

.form-note {
  font-size: .78rem;
  color: var(--text-3);
  text-align: center;
  margin-top: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 5px;
}
.form-note::before { content: '🔒'; font-size: .85em; }

/* ── Rating ───────────────────────────────────────────── */
.rating-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--amber-light);
  color: var(--amber);
  font-weight: 700;
  font-size: .95rem;
  padding: 6px 14px;
  border-radius: 20px;
}
.stars { color: var(--amber); letter-spacing: 2px; }

/* ── Score Box ───────────────────────────────────────── */
.score-box {
  background: var(--navy);
  color: white;
  border-radius: var(--radius-xl);
  padding: 32px;
  text-align: center;
}
.score-num {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 4rem;
  font-weight: 800;
  color: var(--teal);
  line-height: 1;
}
.score-label { color: rgba(255,255,255,.7); font-size: .9rem; margin-top: 8px; }
.score-bar {
  height: 8px;
  background: rgba(255,255,255,.15);
  border-radius: 4px;
  margin: 16px 0 10px;
  overflow: hidden;
}
.score-bar-fill { height: 100%; background: var(--teal); border-radius: 4px; }

/* ── Pros/Cons ───────────────────────────────────────── */
.pros-cons { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }

.pros, .cons {
  border-radius: var(--radius-lg);
  padding: 24px;
}
.pros { background: var(--green-light); border: 1px solid #A7F3D0; }
.cons { background: var(--red-light);   border: 1px solid #FECACA; }

.pros h4 { color: #065F46; margin-bottom: 14px; display: flex; align-items: center; gap: 8px; }
.cons h4 { color: #991B1B; margin-bottom: 14px; display: flex; align-items: center; gap: 8px; }

.pros li { color: #047857; }
.cons li { color: #B91C1C; }

/* ── Info Table ───────────────────────────────────────── */
.info-table { width: 100%; border-collapse: collapse; }
.info-table th,
.info-table td {
  padding: 14px 16px;
  border-bottom: 1px solid var(--border);
  font-size: .925rem;
  text-align: left;
}
.info-table th {
  background: var(--bg);
  font-weight: 600;
  color: var(--text);
  font-family: 'Plus Jakarta Sans', sans-serif;
  width: 40%;
}
.info-table td { color: var(--text-2); }
.info-table tr:last-child th,
.info-table tr:last-child td { border-bottom: none; }

/* ── Comparison Table ─────────────────────────────────── */
.comparison-table { width: 100%; border-collapse: collapse; border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-sm); }
.comparison-table th { background: var(--navy); color: white; padding: 16px 20px; text-align: center; font-family: 'Plus Jakarta Sans', sans-serif; font-size: .9rem; }
.comparison-table th:first-child { text-align: left; }
.comparison-table td { padding: 14px 20px; border-bottom: 1px solid var(--border); text-align: center; font-size: .9rem; color: var(--text-2); background: white; }
.comparison-table td:first-child { text-align: left; font-weight: 600; color: var(--text); }
.comparison-table tr:nth-child(even) td { background: var(--bg); }
.comparison-table .highlight-col { background: var(--teal-light) !important; color: var(--teal-dark) !important; font-weight: 600; }
.comparison-table .check { color: var(--green); font-size: 1.1rem; }
.comparison-table .cross { color: var(--red); font-size: 1.1rem; }

/* ── Feature Grid ─────────────────────────────────────── */
.feature-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }

.feature-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  transition: all .25s;
}
.feature-card:hover { border-color: var(--teal); box-shadow: var(--shadow-md); transform: translateY(-4px); }

.feature-icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: var(--teal-light);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 18px;
}

.feature-card h4 { margin-bottom: 8px; color: var(--navy); }
.feature-card p { font-size: .9rem; }

/* ── Steps ────────────────────────────────────────────── */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; position: relative; }
.steps::before {
  content: '';
  position: absolute;
  top: 32px;
  left: 15%;
  right: 15%;
  height: 2px;
  background: var(--teal-light);
  z-index: 0;
}
.step { text-align: center; position: relative; z-index: 1; }
.step-num {
  width: 64px;
  height: 64px;
  background: var(--teal);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1.4rem;
  font-weight: 800;
  margin: 0 auto 20px;
  box-shadow: 0 4px 14px rgba(0,168,157,.3);
}
.step h4 { margin-bottom: 8px; }
.step p { font-size: .9rem; }

/* ── FAQ ──────────────────────────────────────────────── */
.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  margin-bottom: 10px;
  overflow: hidden;
  background: white;
}
.faq-question {
  width: 100%;
  background: none;
  border: none;
  text-align: left;
  padding: 18px 20px;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 600;
  font-size: 1rem;
  color: var(--text);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  transition: background .2s;
}
.faq-question:hover { background: var(--bg); }
.faq-question.open { background: var(--teal-light); color: var(--teal-dark); }
.faq-chevron {
  font-size: 1.2rem;
  font-weight: 300;
  transition: transform .3s;
  flex-shrink: 0;
  color: var(--text-3);
}
.faq-question.open .faq-chevron { transform: rotate(45deg); color: var(--teal); }
.faq-answer {
  display: none;
  padding: 0 20px 20px;
  color: var(--text-2);
  font-size: .95rem;
  line-height: 1.7;
}
.faq-answer.open { display: block; }

/* ── Alert Box ────────────────────────────────────────── */
.alert {
  border-radius: var(--radius);
  padding: 16px 20px;
  margin-bottom: 20px;
  display: flex;
  gap: 12px;
  font-size: .9rem;
  align-items: flex-start;
}
.alert-icon { font-size: 1.1rem; flex-shrink: 0; margin-top: 1px; }
.alert-warning { background: var(--amber-light); border: 1px solid #FCD34D; color: #92400E; }
.alert-info    { background: var(--teal-light);  border: 1px solid #99F6E4; color: #0F766E; }
.alert-danger  { background: var(--red-light);   border: 1px solid #FCA5A5; color: #991B1B; }
.alert-success { background: var(--green-light); border: 1px solid #6EE7B7; color: #065F46; }

/* ── Badge ────────────────────────────────────────────── */
.badge {
  display: inline-block;
  padding: 4px 10px;
  border-radius: 20px;
  font-size: .775rem;
  font-weight: 600;
}
.badge-teal   { background: var(--teal-light); color: var(--teal-dark); }
.badge-amber  { background: var(--amber-light); color: #92400E; }
.badge-red    { background: var(--red-light); color: #991B1B; }
.badge-green  { background: var(--green-light); color: #065F46; }
.badge-navy   { background: var(--navy); color: white; }

/* ── Section Titles ───────────────────────────────────── */
.section-label {
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 10px;
  display: block;
}
.section-title { margin-bottom: 14px; }
.section-lead { color: var(--text-2); font-size: 1.1rem; max-width: 640px; }
.section-header { margin-bottom: 48px; }
.section-header.center { text-align: center; }
.section-header.center .section-lead { margin: 0 auto; }

/* ── Lender Card ──────────────────────────────────────── */
.lender-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  display: flex;
  gap: 20px;
  align-items: flex-start;
  margin-bottom: 20px;
  transition: box-shadow .2s;
}
.lender-card:hover { box-shadow: var(--shadow-md); }
.lender-logo {
  width: 70px;
  height: 50px;
  background: var(--bg);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 800;
  font-size: .85rem;
  color: var(--navy);
  flex-shrink: 0;
  text-align: center;
  padding: 6px;
}
.lender-info { flex: 1; }
.lender-name { font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 700; color: var(--navy); font-size: 1.1rem; margin-bottom: 4px; }
.lender-meta { display: flex; gap: 16px; flex-wrap: wrap; margin: 10px 0; }
.lender-stat .key { font-size: .78rem; color: var(--text-3); }
.lender-stat .val { font-size: .95rem; font-weight: 600; color: var(--text); }

/* ── State Grid ───────────────────────────────────────── */
.state-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 10px; }
.state-pill {
  background: white;
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 10px 8px;
  text-align: center;
  font-size: .85rem;
  font-weight: 600;
  color: var(--text);
  transition: all .2s;
}
.state-pill.available { border-color: var(--teal); background: var(--teal-light); color: var(--teal-dark); }
.state-pill.unavailable { background: var(--bg); color: var(--text-3); }

/* ── Calculator ───────────────────────────────────────── */
.calc-wrap {
  background: white;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}
.calc-header {
  background: var(--navy);
  padding: 28px 36px;
  color: white;
}
.calc-header h2 { color: white; font-size: 1.5rem; }
.calc-header p { color: rgba(255,255,255,.7); margin: 0; font-size: .9rem; }
.calc-body { padding: 36px; }
.calc-result {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 28px;
  color: white;
  margin-top: 24px;
}
.calc-result h3 { color: white; font-size: 1rem; margin-bottom: 20px; opacity: .8; }
.result-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.result-item .r-label { font-size: .8rem; color: rgba(255,255,255,.6); }
.result-item .r-value { font-family: 'Plus Jakarta Sans', sans-serif; font-size: 1.6rem; font-weight: 800; color: var(--teal); }
.result-item.warning .r-value { color: var(--amber); }

.range-wrap { display: flex; align-items: center; gap: 14px; }
.range-wrap input[type=range] {
  flex: 1;
  height: 6px;
  border-radius: 3px;
  -webkit-appearance: none;
  background: linear-gradient(to right, var(--teal) 0%, var(--border) 0%);
  outline: none;
  border: none;
  padding: 0;
}
.range-wrap input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--navy);
  border: 3px solid var(--teal);
  cursor: pointer;
}
.range-value {
  min-width: 80px;
  text-align: right;
  font-weight: 700;
  font-size: 1rem;
  color: var(--navy);
}

/* ── CTA Banner ───────────────────────────────────────── */
.cta-banner {
  /* JPG fallback for old browsers */
  background:
    linear-gradient(135deg, rgba(15,23,42,.84) 0%, rgba(30,64,175,.80) 50%, rgba(59,130,246,.78) 100%),
    url('../images/cta-bg.jpg') center/cover no-repeat;
  /* Modern browsers — AVIF preferred */
  background:
    linear-gradient(135deg, rgba(15,23,42,.84) 0%, rgba(30,64,175,.80) 50%, rgba(59,130,246,.78) 100%),
    image-set(
      url('../images/cta-bg.avif') type('image/avif'),
      url('../images/cta-bg.webp') type('image/webp'),
      url('../images/cta-bg.jpg') type('image/jpeg')
    ) center/cover no-repeat;
  border-radius: var(--radius-xl);
  padding: 72px 48px;
  text-align: center;
  color: white;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  right: -80px;
  top: -80px;
  width: 280px;
  height: 280px;
  background: #38BDF8;
  opacity: .15;
  border-radius: 50%;
  max-width: 50%;
  pointer-events: none;
}
.cta-banner h2 {
  color: white;
  margin-bottom: 14px;
  font-size: clamp(1.6rem,3vw,2.2rem);
  text-shadow: 0 2px 6px rgba(0,0,0,.3);
  position: relative;
  z-index: 1;
}
.cta-banner p {
  color: rgba(255,255,255,.95);
  margin-bottom: 28px;
  max-width: 540px;
  margin-left: auto;
  margin-right: auto;
  text-shadow: 0 1px 3px rgba(0,0,0,.25);
  position: relative;
  z-index: 1;
}
.cta-banner > div { position: relative; z-index: 1; }

/* ── Footer ───────────────────────────────────────────── */
.footer {
  background: #1E293B;
  color: rgba(255,255,255,.85);
  padding: 60px 0 32px;
}
.footer-grid { display: grid; grid-template-columns: 1.8fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 40px; }
.footer-brand p { margin-top: 14px; font-size: .875rem; color: rgba(255,255,255,.75); line-height: 1.7; }
.footer h4 { color: white; font-size: 1rem; margin-bottom: 16px; font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 700; }
.footer ul { list-style: none; padding: 0; }
.footer ul li { margin-bottom: 10px; }
.footer ul li a { color: rgba(255,255,255,.85); font-size: .9rem; transition: color .2s; }
.footer ul li a:hover { color: #38BDF8; }
.footer .brand-text .w1 { color: #60A5FA; }
.footer .brand-text .w2 { color: #38BDF8; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.15);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 20px;
  font-size: .82rem;
  color: rgba(255,255,255,.7);
}
.footer-bottom strong { color: rgba(255,255,255,.95); }
.footer-disclaimer { max-width: 800px; line-height: 1.65; }

/* ── Service Section (with image) ─────────────────────── */
.service-section { padding: 80px 0; }
.service-section:nth-child(even) { background: var(--white); }
.service-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.service-grid.reverse .service-content { order: 2; }
.service-grid.reverse .service-image { order: 1; }
.service-image {
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  background: var(--bg);
  min-height: 360px;
  max-height: 460px;
  position: relative;
}
.service-image img { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform .4s ease; }
.service-image:hover img { transform: scale(1.03); }
.service-eyebrow {
  display: inline-block;
  background: var(--teal-light);
  color: var(--teal-dark);
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 20px;
  margin-bottom: 14px;
}
.service-section h2 { margin-bottom: 16px; }
.service-bullets { list-style: none; padding: 0; margin: 20px 0; }
.service-bullets li {
  position: relative;
  padding-left: 32px;
  margin-bottom: 12px;
  font-size: .95rem;
  color: var(--text-2);
}
.service-bullets li::before {
  content: '✓';
  position: absolute;
  left: 0;
  top: 0;
  width: 22px;
  height: 22px;
  background: var(--teal);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .75rem;
  font-weight: 800;
}
.service-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin: 24px 0;
  padding: 20px;
  background: var(--bg);
  border-radius: var(--radius-lg);
}
.service-stat { text-align: center; }
.service-stat .num {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 800;
  font-size: 1.4rem;
  color: var(--navy);
  line-height: 1;
}
.service-stat .lbl { font-size: .75rem; color: var(--text-3); margin-top: 4px; }

@media (max-width: 768px) {
  .service-section { padding: 56px 0; }
  .service-grid { grid-template-columns: 1fr; gap: 32px; }
  .service-grid.reverse .service-content { order: 1; }
  .service-grid.reverse .service-image { order: 0; }
  .service-stats { grid-template-columns: 1fr 1fr 1fr; gap: 8px; padding: 16px; }
  .service-stat .num { font-size: 1.15rem; }
}

/* ── Sticky Sidebar ───────────────────────────────────── */
.content-wrap { display: grid; grid-template-columns: 1fr 340px; gap: 40px; align-items: flex-start; }
.toc-sidebar { position: sticky; top: 88px; }
.toc-card { background: white; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 24px; }
.toc-card h4 { margin-bottom: 14px; font-size: .95rem; color: var(--navy); }
.toc-list { list-style: none; padding: 0; }
.toc-list li { margin-bottom: 4px; }
.toc-list a { font-size: .875rem; color: var(--text-2); padding: 5px 0; display: block; border-left: 2px solid transparent; padding-left: 10px; transition: all .2s; }
.toc-list a:hover { color: var(--teal); border-color: var(--teal); }

/* ── Page Header ──────────────────────────────────────── */
.page-header {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  padding: 56px 0 52px;
  color: white;
}
.page-header h1 { color: white; margin-bottom: 12px; }
.page-header p { color: rgba(255,255,255,.85); font-size: 1.05rem; max-width: 680px; }
.page-header .meta { display: flex; gap: 20px; flex-wrap: wrap; margin-top: 18px; font-size: .85rem; color: rgba(255,255,255,.7); }
.page-header .meta span { display: flex; align-items: center; gap: 6px; }

/* ── Table of Contents inline ─────────────────────────── */
.toc-inline {
  background: var(--teal-light);
  border: 1px solid #99F6E4;
  border-radius: var(--radius-lg);
  padding: 24px 28px;
  margin-bottom: 32px;
}
.toc-inline h4 { color: var(--teal-dark); margin-bottom: 12px; }
.toc-inline ol { color: var(--teal-dark); padding-left: 1.5rem; }
.toc-inline li { margin-bottom: 6px; }
.toc-inline a { color: var(--teal-dark); font-weight: 500; font-size: .9rem; }

/* ── About Team ───────────────────────────────────────── */
.team-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  text-align: center;
}
.team-avatar {
  width: 80px;
  height: 80px;
  background: var(--navy);
  border-radius: 50%;
  margin: 0 auto 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 800;
  font-size: 1.5rem;
  color: var(--teal);
}
.team-card h4 { color: var(--navy); margin-bottom: 4px; }
.team-card .role { color: var(--teal); font-size: .85rem; font-weight: 600; margin-bottom: 12px; }
.team-card p { font-size: .875rem; }

/* ── Utilities ────────────────────────────────────────── */
.text-center { text-align: center; }
.text-teal  { color: var(--teal); }
.text-amber { color: var(--amber); }
.text-navy  { color: var(--navy); }
.bg-teal-light { background: var(--teal-light); }
.mb-0  { margin-bottom: 0; }
.mb-1  { margin-bottom: 8px; }
.mb-2  { margin-bottom: 16px; }
.mb-3  { margin-bottom: 24px; }
.mb-4  { margin-bottom: 32px; }
.mb-6  { margin-bottom: 48px; }
.mt-1  { margin-top: 8px; }
.mt-3  { margin-top: 24px; }
.mt-4  { margin-top: 32px; }
.gap-2 { gap: 16px; }
.d-flex { display: flex; }
.align-center { align-items: center; }
.justify-between { justify-content: space-between; }
.flex-wrap { flex-wrap: wrap; }

hr { border: none; border-top: 1px solid var(--border); margin: 32px 0; }

/* ── Responsive ───────────────────────────────────────── */
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; }
  .form-card { max-width: 500px; }
  .feature-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .content-wrap { grid-template-columns: 1fr; }
  .toc-sidebar { position: static; }
}

@media (max-width: 768px) {
  section { padding: 52px 0; }
  .navbar-nav { display: none; flex-direction: column; position: absolute; top: 68px; left: 0; right: 0; background: var(--navy); padding: 16px; gap: 4px; border-top: 1px solid rgba(255,255,255,.1); }
  .navbar-nav.open { display: flex; }
  .hamburger { display: block; }
  .navbar-inner { position: relative; }
  .hero-stats { grid-template-columns: repeat(3, 1fr); gap: 10px; }
  .pros-cons { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; }
  .steps::before { display: none; }
  .feature-grid { grid-template-columns: 1fr; }
  .state-grid { grid-template-columns: repeat(3, 1fr); }
  .comparison-table { font-size: .8rem; }
  .comparison-table th, .comparison-table td { padding: 10px 12px; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .footer-bottom { flex-direction: column; }
  .cta-banner { padding: 36px 24px; }
  .result-grid { grid-template-columns: 1fr; }
  .lender-card { flex-direction: column; }
  .content-wrap { grid-template-columns: 1fr; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; justify-content: center; }
}

@media (max-width: 480px) {
  .state-grid { grid-template-columns: repeat(2, 1fr); }
  .hero-stats { grid-template-columns: 1fr 1fr; }
  .hero-stats .hero-stat:last-child { grid-column: span 2; }
}

/* ── Print / Accessibility ────────────────────────────── */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition: none !important; animation: none !important; }
}

:focus-visible {
  outline: 3px solid var(--teal);
  outline-offset: 3px;
  border-radius: 4px;
}

/* ──────────────────────────────────────────────────────
   E-E-A-T Section: Expert Reviews + FAQ
   ────────────────────────────────────────────────────── */

/* Expert cards grid */
.expert-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-bottom: 40px;
}

.expert-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  box-shadow: 0 4px 16px rgba(15,23,42,.05);
  transition: transform .25s, box-shadow .25s;
  position: relative;
}

.expert-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 32px rgba(30,64,175,.12);
  border-color: var(--teal);
}

.expert-photo {
  width: 88px;
  height: 88px;
  border-radius: 50%;
  overflow: hidden;
  margin: 0 auto 16px;
  border: 3px solid var(--bg-blue);
  box-shadow: 0 4px 12px rgba(15,23,42,.1);
}

.expert-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.expert-rating {
  text-align: center;
  margin-bottom: 12px;
}

.expert-rating .stars {
  color: #F59E0B;
  font-size: 1.15rem;
  letter-spacing: 2px;
  display: inline-block;
}
.expert-rating .stars .dim { color: #E2E8F0; }
.expert-rating .stars .half {
  background: linear-gradient(90deg, #F59E0B 50%, #E2E8F0 50%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}

.expert-rating .score {
  display: block;
  font-size: .78rem;
  font-weight: 700;
  color: var(--text-2);
  margin-top: 3px;
  letter-spacing: .03em;
}

.expert-name {
  text-align: center;
  font-size: 1.2rem;
  color: var(--navy);
  margin: 0 0 4px;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 800;
}

.expert-title {
  text-align: center;
  font-size: .85rem;
  color: var(--teal-dark);
  font-weight: 700;
  margin-bottom: 10px;
  text-transform: uppercase;
  letter-spacing: .04em;
}

.expert-creds {
  text-align: center;
  font-size: .78rem;
  color: var(--text-3);
  line-height: 1.55;
  padding: 10px 0;
  margin-bottom: 14px;
  border-top: 1px dashed var(--border);
  border-bottom: 1px dashed var(--border);
}

.expert-quote {
  font-size: .9rem;
  line-height: 1.7;
  color: var(--text);
  font-style: italic;
  margin: 0 0 14px;
  padding: 0;
  border: none;
  position: relative;
}
.expert-quote::before {
  content: '"';
  font-family: Georgia, serif;
  font-size: 3rem;
  color: var(--teal);
  position: absolute;
  left: -14px;
  top: -18px;
  line-height: 1;
  opacity: .35;
}

.expert-meta {
  text-align: center;
  font-size: .72rem;
  color: var(--text-3);
  letter-spacing: .03em;
  padding-top: 12px;
  border-top: 1px solid var(--border);
}

/* Editorial Trust Panel */
.editorial-panel {
  background: var(--bg-blue);
  border: 1px solid #BAE6FD;
  border-radius: var(--radius-lg);
  padding: 28px 32px;
  margin: 0 auto 48px;
  max-width: 1000px;
}

.trust-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-bottom: 18px;
}

.trust-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
}

.trust-icon {
  font-size: 1.6rem;
  flex-shrink: 0;
  width: 38px;
  height: 38px;
  background: white;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 2px 6px rgba(15,23,42,.06);
}

.trust-label {
  font-size: .72rem;
  color: var(--text-3);
  text-transform: uppercase;
  letter-spacing: .05em;
  font-weight: 600;
  margin-bottom: 1px;
}

.trust-value {
  font-size: .9rem;
  color: var(--navy);
  font-weight: 700;
  line-height: 1.3;
}

.editorial-note {
  font-size: .85rem;
  color: var(--text-2);
  line-height: 1.65;
  margin: 0;
  padding-top: 18px;
  border-top: 1px solid #BAE6FD;
}

/* FAQ Section */
.faq-wrapper {
  max-width: 820px;
  margin: 0 auto 40px;
}

.faq-heading {
  text-align: center;
  font-size: 1.5rem;
  color: var(--text);
  margin-bottom: 28px;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 800;
}

.faq-item {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  margin-bottom: 12px;
  overflow: hidden;
  transition: border-color .2s, box-shadow .2s;
}

.faq-item[open] {
  border-color: var(--teal);
  box-shadow: 0 4px 14px rgba(14,165,233,.1);
}

.faq-item summary {
  list-style: none;
  cursor: pointer;
  padding: 18px 22px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  font-weight: 700;
  font-size: 1rem;
  color: var(--text);
  font-family: 'Plus Jakarta Sans', sans-serif;
  user-select: none;
}

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

.faq-item summary:hover { background: var(--bg-blue); }

.faq-icon {
  width: 28px;
  height: 28px;
  background: var(--teal-light);
  color: var(--teal-dark);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1.2rem;
  flex-shrink: 0;
  transition: transform .25s;
}

.faq-item[open] .faq-icon {
  background: var(--navy);
  color: white;
  transform: rotate(45deg);
}

.faq-body {
  padding: 0 22px 20px;
  border-top: 1px solid var(--border);
}

.faq-body p {
  font-size: .92rem;
  line-height: 1.75;
  color: var(--text-2);
  margin: 14px 0 0;
}

/* Sources Box */
.sources-box {
  background: #FAFCFE;
  border: 1px solid var(--border);
  border-left: 4px solid var(--teal);
  border-radius: var(--radius);
  padding: 22px 28px;
  max-width: 820px;
  margin: 0 auto;
}

.sources-header {
  font-weight: 800;
  font-size: 1rem;
  color: var(--navy);
  margin-bottom: 14px;
  font-family: 'Plus Jakarta Sans', sans-serif;
}

.sources-list {
  margin: 0;
  padding-left: 22px;
}

.sources-list li {
  font-size: .85rem;
  color: var(--text-2);
  line-height: 1.65;
  margin-bottom: 8px;
}

.sources-list li a {
  color: var(--teal-dark);
  font-weight: 600;
}

/* Mobile responsive */
@media (max-width: 900px) {
  .expert-grid { grid-template-columns: 1fr; }
  .trust-row { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 600px) {
  .trust-row { grid-template-columns: 1fr; }
  .editorial-panel { padding: 22px; }
  .sources-box { padding: 20px; }
  .faq-item summary { padding: 16px 18px; font-size: .95rem; }
}

/* ──────────────────────────────────────────────────────
   Customer Reviews Section (Trustpilot-style)
   ────────────────────────────────────────────────────── */

.reviews-section {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  margin: 48px auto;
  max-width: 1100px;
  box-shadow: 0 4px 20px rgba(15,23,42,.04);
}

.reviews-header {
  text-align: center;
  border-bottom: 1px solid var(--border);
  padding-bottom: 24px;
  margin-bottom: 28px;
}

.reviews-heading {
  font-size: 1.55rem;
  color: var(--text);
  margin-bottom: 18px;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 800;
}

.reviews-aggregate {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  margin-bottom: 14px;
}

.trustpilot-mark {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: #00B67A;
  color: white;
  padding: 6px 14px;
  border-radius: 6px;
  font-weight: 700;
  font-size: .9rem;
}
.trustpilot-mark .tp-star {
  font-size: 1.1rem;
  line-height: 1;
}
.trustpilot-mark .tp-label {
  letter-spacing: -.01em;
}

.agg-score-row {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
  justify-content: center;
}

.agg-stars {
  display: inline-flex;
  gap: 2px;
  font-size: 1.5rem;
  color: #00B67A;
  letter-spacing: 1px;
  line-height: 1;
}
.agg-stars .half-tp {
  background: linear-gradient(90deg, #00B67A 50%, #E2E8F0 50%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}

.agg-text {
  font-size: 1rem;
  color: var(--text-2);
}
.agg-text strong { color: var(--navy); }

.reviews-intro {
  font-size: .9rem;
  color: var(--text-2);
  margin: 0;
  max-width: 680px;
  margin-left: auto;
  margin-right: auto;
  line-height: 1.6;
}

/* Review cards grid */
.reviews-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-bottom: 32px;
}

.review-card {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 22px;
  display: flex;
  flex-direction: column;
  transition: transform .2s, box-shadow .2s, border-color .2s;
}

.review-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 8px 24px rgba(0,182,122,.12);
  border-color: #00B67A;
}

.review-stars {
  display: inline-flex;
  gap: 2px;
  font-size: 1.15rem;
  color: #00B67A;
  letter-spacing: 1px;
  margin-bottom: 12px;
  line-height: 1;
}
.review-stars .dim-tp { color: #E2E8F0; }

.review-title {
  font-size: 1rem;
  color: var(--navy);
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 800;
  margin-bottom: 12px;
  line-height: 1.3;
}

.review-body {
  font-size: .87rem;
  line-height: 1.65;
  color: var(--text-2);
  margin-bottom: 16px;
  flex-grow: 1;
}

.reviewer-meta {
  margin-bottom: 10px;
  padding-top: 12px;
  border-top: 1px solid var(--border);
}

.reviewer-name {
  font-size: .9rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 2px;
}

.reviewer-info {
  font-size: .75rem;
  color: var(--text-3);
}

.verified-badge {
  display: inline-flex;
  align-items: center;
  font-size: .72rem;
  color: #00B67A;
  font-weight: 700;
  background: rgba(0,182,122,.1);
  padding: 3px 10px;
  border-radius: 12px;
  align-self: flex-start;
}

/* Reviews footer */
.reviews-footer {
  text-align: center;
  padding-top: 8px;
}

.reviews-disclaimer {
  font-size: .78rem;
  color: var(--text-3);
  line-height: 1.6;
  max-width: 720px;
  margin: 16px auto 0;
  padding: 14px 18px;
  background: var(--bg);
  border-radius: var(--radius);
  border-left: 3px solid var(--teal);
}
.reviews-disclaimer strong { color: var(--text-2); }

/* Mobile responsive */
@media (max-width: 900px) {
  .reviews-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 600px) {
  .reviews-grid { grid-template-columns: 1fr; }
  .reviews-section { padding: 24px 20px; }
  .agg-score-row { flex-direction: column; gap: 6px; }
}

/* ──────────────────────────────────────────────────────
   APIdiamond Form Container & Smooth Scroll
   ────────────────────────────────────────────────────── */

html { scroll-behavior: smooth; }

/* No sticky navbar, so minimal scroll margin */
#apply-form {
  scroll-margin-top: 20px;
}

.apidiamond-form-container {
  min-height: 480px;
  width: 100%;
  position: relative;
}

/* Loading state while form is initializing */
.apidiamond-form-container:empty::before {
  content: 'Loading secure application form…';
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  color: var(--text-3);
  font-size: .9rem;
  font-style: italic;
}

/* Style the embedded form to fit our design */
#_lg_form_ select,
#_lg_form_ input[type="text"],
#_lg_form_ input[type="email"],
#_lg_form_ input[type="tel"],
#_lg_form_ input[type="number"] {
  border: 1.5px solid var(--border) !important;
  border-radius: 8px !important;
  padding: 11px 14px !important;
  font-size: .925rem !important;
  font-family: 'Inter', -apple-system, sans-serif !important;
  width: 100% !important;
  color: var(--text) !important;
  transition: border-color .2s !important;
}

#_lg_form_ select:focus,
#_lg_form_ input:focus {
  border-color: var(--navy) !important;
  outline: none !important;
  box-shadow: 0 0 0 3px rgba(30,64,175,.12) !important;
}

#_lg_form_ label {
  font-size: .875rem !important;
  font-weight: 600 !important;
  color: var(--text) !important;
  margin-bottom: 6px !important;
  display: block !important;
}

/* Submit button — match brand */
#_lg_form_ button[type="submit"],
#_lg_form_ input[type="submit"],
#_lg_form_ .submit-btn {
  background: #FBBF24 !important;
  color: #0F172A !important;
  border: none !important;
  border-radius: 10px !important;
  padding: 15px 28px !important;
  font-family: 'Plus Jakarta Sans', sans-serif !important;
  font-weight: 700 !important;
  font-size: 1rem !important;
  cursor: pointer !important;
  width: 100% !important;
  transition: all .2s !important;
  box-shadow: 0 4px 14px rgba(251,191,36,.35) !important;
}

#_lg_form_ button[type="submit"]:hover,
#_lg_form_ input[type="submit"]:hover,
#_lg_form_ .submit-btn:hover {
  background: #FCD34D !important;
  transform: translateY(-2px) !important;
  box-shadow: 0 8px 24px rgba(251,191,36,.5) !important;
}

/* Mobile responsive — form moves below hero text on small screens */
@media (max-width: 900px) {
  .apidiamond-form-container { min-height: 420px; }
  #apply-form { scroll-margin-top: 20px; }
}

/* ──────────────────────────────────────────────────────
   Comparison Table — Rise vs Competitors
   ────────────────────────────────────────────────────── */

.compare-table-wrap {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: 0 4px 20px rgba(15,23,42,.04);
  overflow-x: auto;
  margin-bottom: 24px;
  -webkit-overflow-scrolling: touch;
}

.compare-table {
  width: 100%;
  min-width: 980px;
  border-collapse: collapse;
  font-size: .92rem;
}

.compare-table thead {
  background: linear-gradient(180deg, var(--navy) 0%, var(--navy-light) 100%);
}

.compare-table thead th {
  color: white;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 700;
  font-size: .82rem;
  text-transform: uppercase;
  letter-spacing: .05em;
  padding: 16px 14px;
  text-align: left;
  white-space: nowrap;
}

.compare-table thead th:first-child {
  border-top-left-radius: var(--radius-lg);
}
.compare-table thead th:last-child {
  border-top-right-radius: var(--radius-lg);
}

.compare-table tbody tr {
  border-bottom: 1px solid var(--border);
  transition: background .15s;
}

.compare-table tbody tr:hover {
  background: var(--bg-blue);
}

.compare-table tbody tr:last-child {
  border-bottom: none;
}

.compare-table tbody th,
.compare-table tbody td {
  padding: 18px 14px;
  vertical-align: middle;
  color: var(--text);
}

.compare-table tbody th {
  font-weight: 600;
  text-align: left;
}

/* Featured row (Rise Credit) */
.compare-featured {
  background: linear-gradient(90deg, rgba(14,165,233,.08) 0%, rgba(30,64,175,.06) 100%);
  border-left: 4px solid var(--teal);
}

.compare-featured:hover {
  background: linear-gradient(90deg, rgba(14,165,233,.14) 0%, rgba(30,64,175,.10) 100%) !important;
}

.compare-featured th,
.compare-featured td {
  font-weight: 600;
}

/* Lender cell (first column) */
.lender-cell {
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.lender-name {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1rem;
  font-weight: 800;
  color: var(--navy);
  line-height: 1.2;
}

.lender-type {
  font-size: .7rem;
  color: var(--text-3);
  text-transform: uppercase;
  letter-spacing: .05em;
  font-weight: 600;
}

.featured-badge {
  display: inline-block;
  background: var(--teal);
  color: white;
  font-size: .65rem;
  font-weight: 800;
  padding: 2px 8px;
  border-radius: 10px;
  text-transform: uppercase;
  letter-spacing: .05em;
  align-self: flex-start;
  margin-top: 2px;
}

/* Speed tags */
.speed-tag {
  display: inline-block;
  padding: 3px 10px;
  border-radius: 12px;
  font-size: .75rem;
  font-weight: 700;
  white-space: nowrap;
}

.speed-tag.instant {
  background: #DCFCE7;
  color: #166534;
}

.speed-tag.fast {
  background: #DBEAFE;
  color: #1E40AF;
}

.speed-tag.slow {
  background: #FEF3C7;
  color: #92400E;
}

/* Footnote markers */
.footnote {
  font-size: .75rem;
  color: var(--text-3);
  font-weight: 400;
}

/* Star ratings */
.compare-stars {
  color: #F59E0B;
  font-size: 1rem;
  letter-spacing: 1px;
  line-height: 1;
  margin-bottom: 3px;
}

.compare-stars .half-star {
  background: linear-gradient(90deg, #F59E0B 50%, #E2E8F0 50%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}

.compare-stars .empty-star {
  color: #E2E8F0;
}

.rating-num {
  font-size: .78rem;
  color: var(--text-2);
  font-weight: 600;
}

/* Action buttons */
.btn-compare {
  display: inline-block;
  padding: 8px 16px;
  border-radius: 8px;
  font-size: .82rem;
  font-weight: 700;
  text-decoration: none;
  font-family: 'Plus Jakarta Sans', sans-serif;
  transition: all .2s;
  white-space: nowrap;
}

.btn-compare-primary {
  background: #FBBF24;
  color: #0F172A;
  box-shadow: 0 2px 8px rgba(251,191,36,.3);
}

.btn-compare-primary:hover {
  background: #FCD34D;
  transform: translateY(-1px);
  box-shadow: 0 4px 14px rgba(251,191,36,.45);
  color: #0F172A;
}

.btn-compare-outline {
  background: transparent;
  color: var(--navy);
  border: 1.5px solid var(--navy);
}

.btn-compare-outline:hover {
  background: var(--navy);
  color: white;
}

/* Footnote disclaimer */
.compare-footnote {
  font-size: .82rem;
  color: var(--text-2);
  line-height: 1.65;
  background: var(--bg);
  border-radius: var(--radius);
  padding: 16px 22px;
  border-left: 3px solid var(--teal);
  max-width: 1000px;
  margin: 0 auto;
}

.compare-footnote strong {
  color: var(--navy);
  font-weight: 700;
}

/* Mobile scroll hint */
@media (max-width: 1024px) {
  .compare-table-wrap {
    position: relative;
  }
  .compare-table-wrap::after {
    content: '← swipe to see more →';
    display: block;
    text-align: center;
    font-size: .75rem;
    color: var(--text-3);
    padding: 8px;
    background: var(--bg);
    font-style: italic;
  }
}

@media (max-width: 640px) {
  .compare-footnote {
    font-size: .78rem;
    padding: 14px 18px;
  }
  .compare-table thead th {
    font-size: .72rem;
    padding: 12px 10px;
  }
  .compare-table tbody th,
  .compare-table tbody td {
    padding: 14px 10px;
  }
}

/* ====================================================================
   RESPONSIVE OVERHAUL — Comprehensive PC / Tablet / Mobile Fixes
   Placed at END of stylesheet to override earlier rules where needed
   Breakpoint strategy:
     - Desktop:        ≥1025px (default rules above)
     - Tablet:         641-1024px
     - Mobile:         ≤640px
     - Small mobile:   ≤480px
   ==================================================================== */

/* ─── Global safeguards (all viewports) ─── */
*, *::before, *::after { box-sizing: border-box; }
html, body { overflow-x: hidden; }
img, video, iframe { max-width: 100%; height: auto; }

/* Prevent grid/flex items from overflowing their containers */
.feature-grid > *,
.expert-grid > *,
.reviews-grid > *,
.footer-grid > * { min-width: 0; }

/* Touch target minimum (WCAG AA) */
.btn, .navbar-nav a, .nav-cta, .faq-item summary,
.btn-compare, button { min-height: 44px; }

/* Prevent iOS zoom on input focus — must be ≥16px */
input, select, textarea { font-size: 16px; }

/* ====================================================================
   TABLET BREAKPOINT — ≤1024px
   Keep most multi-column layouts but optimize for narrow desktop/tablet
   ==================================================================== */
@media (max-width: 1024px) {
  .container { padding: 0 24px; }

  /* Feature snapshot grid: 3 → 2 cols (still readable) */
  .feature-grid { grid-template-columns: 1fr 1fr; gap: 18px; }

  /* Expert team: 3 → 2 cols, 3rd card centered */
  .expert-grid { grid-template-columns: 1fr 1fr; gap: 20px; }

  /* Trustpilot reviews: 3 → 2 cols */
  .reviews-grid { grid-template-columns: 1fr 1fr; gap: 18px; }

  /* Hero grid: form moves below on narrower tablet */
  .hero-grid { grid-template-columns: 1fr; gap: 36px; }
  .hero { padding: 64px 0 56px; }

  /* Pros/Cons stay 2-col here (was incorrectly collapsing at 768) */
  .pros-cons { grid-template-columns: 1fr 1fr; gap: 22px; }

  /* Editorial panel trust row */
  .trust-row { grid-template-columns: 1fr 1fr; }
}

/* ====================================================================
   MOBILE BREAKPOINT — ≤640px
   Single column, compact spacing, large touch targets
   ==================================================================== */
@media (max-width: 640px) {
  .container { padding: 0 18px; }

  /* Tighter section padding (was 80px on some sections) */
  section { padding: 48px 0 !important; }
  .hero { padding: 56px 0 48px !important; }

  /* Smaller, tighter hero */
  .hero h1 { margin-bottom: 14px; }
  .hero-lead { font-size: 1rem; margin-bottom: 22px; }
  .hero-eyebrow { font-size: .7rem; padding: 5px 12px; margin-bottom: 16px; }

  /* Hero stats: 3 → 2 col, last spans full */
  .hero-stats { grid-template-columns: 1fr 1fr; gap: 10px; }
  .hero-stats .hero-stat:last-child { grid-column: 1 / -1; }
  .hero-stat .num { font-size: 1.35rem; }
  .hero-stat .lbl { font-size: .75rem; }

  /* Hero CTAs stack and full-width */
  .hero-actions { flex-direction: column; gap: 10px; }
  .hero-actions .btn { width: 100%; justify-content: center; }

  /* Single-column grids */
  .pros-cons { grid-template-columns: 1fr; gap: 16px; }
  .feature-grid { grid-template-columns: 1fr; gap: 14px; }
  .expert-grid { grid-template-columns: 1fr; gap: 16px; }
  .reviews-grid { grid-template-columns: 1fr; gap: 14px; }
  .steps { grid-template-columns: 1fr; gap: 18px; }
  .steps::before { display: none; }
  .result-grid { grid-template-columns: 1fr; }
  .lender-card { flex-direction: column; }
  .content-wrap { grid-template-columns: 1fr; }
  .state-grid { grid-template-columns: repeat(2, 1fr); }

  /* Section headers — tighter */
  .section-header { margin-bottom: 32px; }
  .section-title { font-size: 1.6rem; line-height: 1.2; }
  .section-lead { font-size: .95rem; }

  /* Service section: image always shows BELOW text on mobile (override .reverse) */
  .service-grid { grid-template-columns: 1fr; gap: 20px; }
  .service-grid.reverse > div:first-child { order: 2; }
  .service-image { min-height: 220px; max-height: 280px; }
  .service-stats { grid-template-columns: repeat(3, 1fr); gap: 8px; }
  .service-stat .num { font-size: 1rem; }
  .service-stat .lbl { font-size: .68rem; }

  /* Footer: 2 cols on tablet → 1 col on mobile */
  .footer { padding: 44px 0 24px; }
  .footer-grid { grid-template-columns: 1fr; gap: 26px; margin-bottom: 28px; }
  .footer-brand p { font-size: .85rem; }
  .footer h4 { font-size: .95rem; margin-bottom: 12px; }
  .footer ul li { margin-bottom: 8px; }
  .footer-bottom { flex-direction: column; gap: 14px; padding-top: 20px; }
  .footer-disclaimer { font-size: .78rem; }

  /* Comparison table — hint stays, scroll works */
  .compare-table { min-width: 720px; }
  .compare-table thead th { font-size: .72rem; padding: 12px 8px; }
  .compare-table tbody th, .compare-table tbody td { padding: 14px 8px; font-size: .85rem; }
  .compare-footnote { font-size: .78rem; padding: 14px 16px; }

  /* CTA banner — tighter */
  .cta-banner { padding: 40px 24px !important; }
  .cta-banner h2 { font-size: 1.5rem; }
  .cta-banner p { font-size: .9rem; }
  .cta-banner > div { flex-direction: column !important; }
  .cta-banner .btn { width: 100%; }

  /* Trust strip — 2 cols on mobile */
  section[style*="#1E293B"] > .container > div {
    grid-template-columns: 1fr 1fr !important;
    gap: 14px !important;
  }

  /* Expert cards inline tweaks */
  .expert-card { padding: 22px 18px; }
  .expert-photo { width: 72px; height: 72px; }
  .expert-name { font-size: 1.1rem; }
  .expert-quote { font-size: .87rem; }

  /* FAQ items more compact */
  .faq-item summary { padding: 14px 16px; font-size: .92rem; }
  .faq-body { padding: 0 16px 16px; }
  .faq-body p { font-size: .87rem; }

  /* Editorial trust panel */
  .editorial-panel { padding: 20px 18px; }
  .trust-row { grid-template-columns: 1fr; gap: 16px; }
  .trust-icon { width: 34px; height: 34px; font-size: 1.4rem; }

  /* Services nav strip — tighter */
  section[style*="--white"] > .container > div[style*="flex"] {
    gap: 6px !important;
  }
}

/* ====================================================================
   NAVBAR MOBILE DROPDOWN FIX
   Old nav was dark — current is WHITE so dropdown needs matching styles
   ==================================================================== */
@media (max-width: 768px) {
  .navbar-nav {
    display: none !important;
    flex-direction: column !important;
    position: absolute !important;
    top: 100% !important;
    left: 0 !important;
    right: 0 !important;
    background: var(--white) !important;
    padding: 12px 16px !important;
    gap: 2px !important;
    border-top: 1px solid var(--border) !important;
    border-bottom: 1px solid var(--border) !important;
    box-shadow: 0 8px 20px rgba(15,23,42,.08) !important;
    z-index: 99;
  }
  .navbar-nav.open { display: flex !important; }
  .navbar-nav li { width: 100%; }
  .navbar-nav a {
    color: var(--text) !important;
    background: transparent !important;
    padding: 12px 16px !important;
    width: 100%;
    border-radius: 6px;
    font-size: .95rem;
  }
  .navbar-nav a:hover { background: var(--bg-blue) !important; color: var(--navy) !important; }
  .navbar-nav a.nav-cta {
    background: var(--navy) !important;
    color: white !important;
    margin-top: 6px;
    text-align: center;
    justify-content: center;
    padding: 14px 16px !important;
    font-weight: 700 !important;
  }
  .navbar-nav a.nav-cta:hover { background: var(--navy-light) !important; color: white !important; }
  .hamburger { display: block; padding: 8px; }
  .navbar-inner { position: relative; }
  /* Hide dropdown menu in mobile nav */
  .nav-dropdown .dropdown-menu { position: static; box-shadow: none; padding: 0 0 0 16px; opacity: 1; visibility: visible; transform: none; display: none; }
  .nav-dropdown:hover .dropdown-menu { display: block; }
  .nav-dropdown .dropdown-menu a { padding: 8px 16px !important; font-size: .88rem; }
}

/* ====================================================================
   SMALL MOBILE — ≤480px
   ==================================================================== */
@media (max-width: 480px) {
  .hero h1 { font-size: clamp(1.9rem, 8vw, 2.6rem) !important; }
  .section-title { font-size: 1.35rem !important; }
  .state-grid { grid-template-columns: 1fr 1fr; }
  .compare-table { min-width: 640px; }
  .compare-table thead th { font-size: .68rem; }
}

/* ====================================================================
   LANDSCAPE MOBILE — ≤900px (devices held sideways)
   ==================================================================== */
@media (max-width: 900px) and (orientation: landscape) {
  .hero { padding: 36px 0 32px; }
  section { padding: 40px 0; }
}

/* ──────────────────────────────────────────────────────
   Trustpilot Aggregate Themes Grid (replaces fake reviews)
   ────────────────────────────────────────────────────── */
.themes-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 22px;
  margin: 32px 0 28px;
}

.themes-grid .theme-block:nth-child(3) {
  grid-column: 1 / -1;
}

.theme-block {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 26px 28px;
  border: 1px solid var(--border);
  box-shadow: 0 2px 12px rgba(15,23,42,.04);
  transition: transform .2s;
}

.theme-block:hover { transform: translateY(-2px); }

.theme-positive {
  border-left: 4px solid #22C55E;
  background: linear-gradient(180deg, #F0FDF4 0%, #FFFFFF 100%);
}
.theme-negative {
  border-left: 4px solid #F59E0B;
  background: linear-gradient(180deg, #FFFBEB 0%, #FFFFFF 100%);
}
.theme-neutral {
  border-left: 4px solid var(--text-3);
  background: linear-gradient(180deg, #F8FAFC 0%, #FFFFFF 100%);
}

.theme-header {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 16px;
  padding-bottom: 14px;
  border-bottom: 1px solid var(--border);
  flex-wrap: wrap;
}

.theme-icon {
  font-size: 1.5rem;
  line-height: 1;
}

.theme-title {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--navy);
  margin: 0;
  flex: 1;
}

.theme-share {
  font-size: .75rem;
  font-weight: 700;
  color: var(--text-3);
  background: var(--bg);
  padding: 4px 10px;
  border-radius: 12px;
  white-space: nowrap;
}

.theme-list {
  margin: 0;
  padding-left: 22px;
}

.theme-list li {
  font-size: .92rem;
  line-height: 1.65;
  color: var(--text);
  margin-bottom: 10px;
}

.theme-list li:last-child { margin-bottom: 0; }

.theme-list li strong {
  color: var(--navy);
  font-weight: 700;
}

@media (max-width: 1024px) {
  .themes-grid { grid-template-columns: 1fr; }
  .themes-grid .theme-block:nth-child(3) { grid-column: auto; }
}

@media (max-width: 640px) {
  .theme-block { padding: 20px 18px; }
  .theme-title { font-size: 1rem; }
  .theme-list li { font-size: .87rem; }
}

/* ─────────────────────────────────────────────────────
   INTERACTIVE US STATE MAP (Tile Cartogram)
   ───────────────────────────────────────────────────── */
.state-map-section {
  background: linear-gradient(180deg, #F8FAFC 0%, #FFFFFF 100%);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  margin: 32px 0 40px;
}

.state-map-header { margin-bottom: 20px; }

.state-map-legend {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
  align-items: center;
  font-size: .9rem;
  color: var(--text-2);
}
.legend-item { display: flex; align-items: center; gap: 8px; }
.legend-swatch {
  width: 18px; height: 18px;
  border-radius: 4px;
  display: inline-block;
}
.swatch-available { background: #22C55E; border: 1px solid #16A34A; }
.swatch-unavailable { background: #FECACA; border: 1px solid #EF4444; }
.legend-hint {
  margin-left: auto;
  font-size: .8rem;
  color: var(--text-3);
  font-style: italic;
}

/* Tile cartogram — US-shaped grid of state tiles */
.us-tile-map {
  display: grid;
  grid-template-columns: repeat(12, 1fr);
  grid-template-rows: repeat(8, 1fr);
  gap: 6px;
  max-width: 720px;
  margin: 0 auto 28px;
  aspect-ratio: 12 / 8;
  grid-template-areas:
    ".  .  .  .  .  .  .  .  .  .  .  me"
    ".  .  .  .  .  .  .  .  .  .  vt nh"
    "ak .  wa mt nd mn il wi mi .  ny ma"
    ".  .  or id nv wy sd ia in oh pa nj"
    "hi .  ca ut co ne mo ky wv va md ct"
    ".  .  .  az nm ks ar tn nc sc de ri"
    ".  .  .  .  .  ok la ms al ga .  ."
    ".  .  .  .  .  tx .  .  .  fl .  .";
}

.state-tile {
  border: 1.5px solid;
  border-radius: 6px;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: .82rem;
  font-weight: 700;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 0;
  transition: transform .15s, box-shadow .15s, filter .15s;
  letter-spacing: .03em;
  min-height: 44px;
}
.state-tile:hover {
  transform: translateY(-2px) scale(1.05);
  box-shadow: 0 4px 12px rgba(15,23,42,.15);
  z-index: 5;
  position: relative;
}
.state-tile:focus-visible {
  outline: 3px solid var(--teal);
  outline-offset: 2px;
}

/* Available states — green */
.state-tile[data-avail="true"] {
  background: #22C55E;
  border-color: #16A34A;
  color: white;
}
.state-tile[data-avail="true"]:hover { background: #16A34A; }

/* Not available — light red */
.state-tile[data-avail="false"] {
  background: #FECACA;
  border-color: #EF4444;
  color: #991B1B;
}
.state-tile[data-avail="false"]:hover { background: #FCA5A5; }

/* Active selection state */
.state-tile.active {
  transform: scale(1.1);
  box-shadow: 0 0 0 3px var(--navy), 0 6px 18px rgba(15,23,42,.2);
  z-index: 10;
  position: relative;
}

/* Grid area assignments — each state code maps to its position */
.state-tile[data-state="ME"] { grid-area: me; }
.state-tile[data-state="VT"] { grid-area: vt; }
.state-tile[data-state="NH"] { grid-area: nh; }
.state-tile[data-state="AK"] { grid-area: ak; }
.state-tile[data-state="WA"] { grid-area: wa; }
.state-tile[data-state="MT"] { grid-area: mt; }
.state-tile[data-state="ND"] { grid-area: nd; }
.state-tile[data-state="MN"] { grid-area: mn; }
.state-tile[data-state="IL"] { grid-area: il; }
.state-tile[data-state="WI"] { grid-area: wi; }
.state-tile[data-state="MI"] { grid-area: mi; }
.state-tile[data-state="NY"] { grid-area: ny; }
.state-tile[data-state="MA"] { grid-area: ma; }
.state-tile[data-state="OR"] { grid-area: or; }
.state-tile[data-state="ID"] { grid-area: id; }
.state-tile[data-state="NV"] { grid-area: nv; }
.state-tile[data-state="WY"] { grid-area: wy; }
.state-tile[data-state="SD"] { grid-area: sd; }
.state-tile[data-state="IA"] { grid-area: ia; }
.state-tile[data-state="IN"] { grid-area: in; }
.state-tile[data-state="OH"] { grid-area: oh; }
.state-tile[data-state="PA"] { grid-area: pa; }
.state-tile[data-state="NJ"] { grid-area: nj; }
.state-tile[data-state="HI"] { grid-area: hi; }
.state-tile[data-state="CA"] { grid-area: ca; }
.state-tile[data-state="UT"] { grid-area: ut; }
.state-tile[data-state="CO"] { grid-area: co; }
.state-tile[data-state="NE"] { grid-area: ne; }
.state-tile[data-state="MO"] { grid-area: mo; }
.state-tile[data-state="KY"] { grid-area: ky; }
.state-tile[data-state="WV"] { grid-area: wv; }
.state-tile[data-state="VA"] { grid-area: va; }
.state-tile[data-state="MD"] { grid-area: md; }
.state-tile[data-state="CT"] { grid-area: ct; }
.state-tile[data-state="AZ"] { grid-area: az; }
.state-tile[data-state="NM"] { grid-area: nm; }
.state-tile[data-state="KS"] { grid-area: ks; }
.state-tile[data-state="AR"] { grid-area: ar; }
.state-tile[data-state="TN"] { grid-area: tn; }
.state-tile[data-state="NC"] { grid-area: nc; }
.state-tile[data-state="SC"] { grid-area: sc; }
.state-tile[data-state="DE"] { grid-area: de; }
.state-tile[data-state="RI"] { grid-area: ri; }
.state-tile[data-state="OK"] { grid-area: ok; }
.state-tile[data-state="LA"] { grid-area: la; }
.state-tile[data-state="MS"] { grid-area: ms; }
.state-tile[data-state="AL"] { grid-area: al; }
.state-tile[data-state="GA"] { grid-area: ga; }
.state-tile[data-state="TX"] { grid-area: tx; }
.state-tile[data-state="FL"] { grid-area: fl; }

/* State Detail Panel — below the map */
.state-detail-panel {
  background: white;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  padding: 28px 32px;
  min-height: 160px;
  transition: all .25s;
}

.detail-empty {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  min-height: 100px;
  color: var(--text-3);
  text-align: center;
}
.detail-empty-icon { font-size: 2rem; margin-bottom: 8px; }
.detail-empty p { margin: 0; font-size: .95rem; }

/* Filled detail panel */
.detail-content {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 24px;
  align-items: start;
}
.detail-badge {
  width: 76px; height: 76px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1.75rem;
  font-weight: 800;
  letter-spacing: .03em;
}
.detail-badge.available { background: #DCFCE7; color: #15803D; border: 2px solid #22C55E; }
.detail-badge.unavailable { background: #FEE2E2; color: #991B1B; border: 2px solid #EF4444; }

.detail-body { flex: 1; }
.detail-state-name {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--navy);
  margin: 0 0 6px;
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
}
.detail-status-pill {
  font-size: .75rem;
  padding: 4px 12px;
  border-radius: 16px;
  font-weight: 700;
  letter-spacing: .03em;
  text-transform: uppercase;
}
.detail-status-pill.available { background: #DCFCE7; color: #15803D; }
.detail-status-pill.unavailable { background: #FEE2E2; color: #991B1B; }

.detail-meta-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: 16px;
  margin-top: 18px;
}
.detail-meta {
  background: var(--bg);
  padding: 14px 16px;
  border-radius: 8px;
  border-left: 3px solid var(--teal);
}
.detail-meta-label {
  font-size: .7rem;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--text-3);
  font-weight: 700;
  margin-bottom: 4px;
}
.detail-meta-value {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--navy);
}

.detail-reason {
  margin-top: 14px;
  padding: 14px 16px;
  background: #FEF2F2;
  border-left: 3px solid #EF4444;
  border-radius: 6px;
  font-size: .92rem;
  color: #7F1D1D;
  line-height: 1.5;
}

.detail-cta {
  margin-top: 20px;
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

/* Mobile responsive */
@media (max-width: 768px) {
  .state-map-section { padding: 20px 14px; }
  .us-tile-map { gap: 4px; }
  .state-tile { font-size: .65rem; min-height: 36px; border-width: 1px; }
  .state-map-legend { gap: 14px; font-size: .8rem; }
  .legend-hint { display: none; }
  .detail-content { grid-template-columns: 1fr; gap: 16px; }
  .detail-badge { width: 64px; height: 64px; font-size: 1.4rem; }
  .state-detail-panel { padding: 20px 18px; }
}

@media (max-width: 480px) {
  .state-tile { font-size: .55rem; min-height: 30px; }
  .us-tile-map { gap: 3px; }
}

/* ─────────────────────────────────────────────────────
   PEOPLE ALSO ASK (PAA) Blocks — Bing SERP-style Q&A
   ───────────────────────────────────────────────────── */
.paa-section {
  margin: 48px 0;
  padding: 32px 28px;
  background: linear-gradient(180deg, #F0F9FF 0%, #FFFFFF 100%);
  border-radius: var(--radius-lg);
  border: 1px solid #BAE6FD;
}

.paa-header {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 22px;
  flex-wrap: wrap;
}
.paa-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px; height: 36px;
  background: var(--navy);
  color: white;
  border-radius: 8px;
  font-size: 1rem;
  font-weight: 800;
  flex-shrink: 0;
}
.paa-title {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--navy);
  margin: 0;
}
.paa-subtitle {
  font-size: .9rem;
  color: var(--text-2);
  margin: 4px 0 0;
  width: 100%;
}

.paa-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.paa-item {
  background: white;
  border: 1px solid #E0F2FE;
  border-radius: 10px;
  overflow: hidden;
  transition: border-color .2s, box-shadow .2s;
}
.paa-item:hover {
  border-color: #7DD3FC;
  box-shadow: 0 4px 14px rgba(2,132,199,.08);
}

.paa-question {
  width: 100%;
  border: 0;
  background: transparent;
  text-align: left;
  padding: 18px 22px;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1.02rem;
  font-weight: 700;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  transition: background .15s;
}
.paa-question:hover { background: #F0F9FF; }

.paa-chevron {
  width: 26px; height: 26px;
  border-radius: 50%;
  background: #E0F2FE;
  color: var(--navy);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  font-weight: 800;
  flex-shrink: 0;
  transition: transform .25s, background .15s;
}
.paa-item.open .paa-chevron {
  transform: rotate(45deg);
  background: var(--navy);
  color: white;
}

.paa-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height .35s ease;
  background: #F8FAFC;
}
.paa-item.open .paa-answer {
  max-height: 1000px;
}
.paa-answer-inner {
  padding: 0 22px 22px;
  font-size: .95rem;
  line-height: 1.7;
  color: var(--text);
}
.paa-answer-inner p { margin: 14px 0 0; }
.paa-answer-inner p:first-child { margin-top: 14px; }
.paa-answer-inner a {
  color: var(--teal-dark);
  font-weight: 700;
}

@media (max-width: 640px) {
  .paa-section { padding: 22px 16px; }
  .paa-title { font-size: 1.15rem; }
  .paa-question { padding: 14px 16px; font-size: .92rem; }
  .paa-answer-inner { padding: 0 16px 18px; font-size: .87rem; }
}

/* ─────────────────────────────────────────────────────
   CALCULATOR PAGE — Mobile Overflow Fixes
   ───────────────────────────────────────────────────── */
.calc-main-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: 40px;
  align-items: flex-start;
}

/* All direct children must be able to shrink below intrinsic content width */
.calc-main-grid > * { min-width: 0; }

/* Range inputs must not push parent wider */
.calc-main-grid input[type="range"] { max-width: 100%; min-width: 0; }
.calc-main-grid .range-wrap { min-width: 0; }
.calc-main-grid .range-wrap input[type="range"] { flex: 1 1 0; min-width: 0; }

/* Generic horizontal scroll wrapper for wide tables */
.table-scroll-wrap {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  margin: 0 -8px;
  padding: 0 8px;
  border-radius: 8px;
}

.table-scroll-wrap::-webkit-scrollbar { height: 6px; }
.table-scroll-wrap::-webkit-scrollbar-track { background: #F1F5F9; border-radius: 3px; }
.table-scroll-wrap::-webkit-scrollbar-thumb { background: #94A3B8; border-radius: 3px; }

/* Breakdown table inside scroll wrap should not shrink */
.breakdown-table { min-width: 500px; }

/* Tablet: stack the calc grid earlier so form has breathing room */
@media (max-width: 1024px) {
  .calc-main-grid {
    grid-template-columns: minmax(0, 1fr);
    gap: 28px;
  }
}

/* Mobile: ensure single column + tight padding */
@media (max-width: 640px) {
  .calc-main-grid { gap: 22px; }
  .calc-wrap, .calc-result { width: 100%; max-width: 100%; min-width: 0; }
  .calc-body { padding: 22px 18px; }
  .calc-result { padding: 22px 18px; }
  .calc-result h3 { font-size: .95rem; margin-bottom: 16px; }
  
  /* Result grid: 2x2 on small mobile (was already 1-col, but 2x2 reads better) */
  .result-grid { grid-template-columns: 1fr 1fr; gap: 14px; }
  .result-item .r-value { font-size: 1.25rem; }
  .result-item .r-label { font-size: .72rem; }
  
  /* APR selector buttons in 2x2 grid on mobile */
  .apr-selector { grid-template-columns: 1fr 1fr; gap: 8px; }
  .apr-btn { font-size: .9rem; padding: 10px 6px; }
  .apr-btn span { font-size: .65rem !important; }
  
  /* Money-saving tips card */
  .tip-card { padding: 18px 16px; }
  .tip-card ul { padding-left: 20px; }
  .tip-card li { font-size: .87rem; line-height: 1.55; margin-bottom: 8px; }

  /* Section margins tighter */
  section { padding: 40px 0 !important; }
  
  /* Comparison table on calc page */
  .comparison-table { min-width: 520px; font-size: .82rem; }
  .comparison-table th, .comparison-table td { padding: 10px 8px; }
  
  /* Page header — calculator's hero */
  .page-header { padding: 50px 0 36px !important; }
  .page-header h1 { font-size: 1.75rem; line-height: 1.15; }
  .page-header p { font-size: .95rem; }
}

/* Extra small mobile — result grid back to 1-col */
@media (max-width: 380px) {
  .result-grid { grid-template-columns: 1fr; }
}

/* ════════════════════════════════════════════════════════
   TIER 1 + TIER 2 SEO FEATURES (10 components)
   ════════════════════════════════════════════════════════ */

/* ─── 1. Reading Progress Bar (top of page) ─── */
.reading-progress {
  position: fixed;
  top: 0;
  left: 0;
  height: 3px;
  width: 0%;
  background: linear-gradient(90deg, var(--teal) 0%, var(--navy) 100%);
  z-index: 1000;
  transition: width .15s ease-out;
  pointer-events: none;
}

/* ─── 2. Meta Bar (Breadcrumbs + Last Updated) ─── */
.meta-bar {
  background: linear-gradient(180deg, #F8FAFC 0%, #F1F5F9 100%);
  border-bottom: 1px solid var(--border);
  padding: 12px 0;
}
.meta-bar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}

/* Breadcrumbs */
.breadcrumbs {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: .82rem;
  color: var(--text-2);
  flex-wrap: wrap;
}
.breadcrumbs a {
  color: var(--teal-dark);
  font-weight: 600;
  text-decoration: none;
  transition: color .15s;
}
.breadcrumbs a:hover { color: var(--navy); text-decoration: underline; }
.breadcrumbs .crumb-sep {
  color: var(--text-3);
  font-size: .9rem;
  opacity: .6;
}
.breadcrumbs .crumb-current {
  color: var(--text);
  font-weight: 600;
}

/* Last Updated badges */
.freshness-badges {
  display: flex;
  gap: 10px;
  align-items: center;
  flex-wrap: wrap;
}
.freshness-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 4px 12px;
  border-radius: 14px;
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .02em;
}
.freshness-badge.fb-updated {
  background: #DCFCE7;
  color: #15803D;
  border: 1px solid #86EFAC;
}
.freshness-badge.fb-checked {
  background: #DBEAFE;
  color: #1E40AF;
  border: 1px solid #93C5FD;
}
.freshness-badge.fb-time {
  background: #FEF3C7;
  color: #92400E;
  border: 1px solid #FCD34D;
}

@media (max-width: 640px) {
  .meta-bar .container { flex-direction: column; align-items: flex-start; gap: 10px; }
  .freshness-badge { font-size: .68rem; padding: 3px 9px; }
  .breadcrumbs { font-size: .75rem; }
}

/* ─── 3. Glossary Tooltips ─── */
.glossary {
  position: relative;
  border-bottom: 1.5px dotted var(--teal);
  cursor: help;
  font-weight: 700;
  color: var(--navy);
}
.glossary::after {
  content: attr(data-def);
  display: none;
  position: absolute;
  bottom: calc(100% + 8px);
  left: 50%;
  transform: translateX(-50%);
  background: var(--navy-deep);
  color: white;
  padding: 10px 14px;
  border-radius: 8px;
  font-size: .82rem;
  font-weight: 500;
  line-height: 1.5;
  width: 240px;
  max-width: 80vw;
  text-align: left;
  z-index: 100;
  box-shadow: 0 8px 24px rgba(15,23,42,.18);
  pointer-events: none;
  border-bottom: 0;
  white-space: normal;
}
.glossary::before {
  content: '';
  display: none;
  position: absolute;
  bottom: calc(100% + 1px);
  left: 50%;
  transform: translateX(-50%);
  border: 7px solid transparent;
  border-top-color: var(--navy-deep);
  z-index: 100;
  pointer-events: none;
}
.glossary:hover::after,
.glossary:hover::before,
.glossary:focus::after,
.glossary:focus::before {
  display: block;
}

@media (max-width: 640px) {
  .glossary::after { width: min(240px, 70vw); font-size: .78rem; padding: 8px 12px; }
}

/* ─── 4. Sticky Table of Contents ─── */
.sticky-toc {
  position: fixed;
  right: 20px;
  top: 50%;
  transform: translateY(-50%);
  background: white;
  border: 1px solid var(--border);
  border-radius: 12px;
  box-shadow: 0 8px 24px rgba(15,23,42,.10);
  padding: 16px 18px;
  width: 240px;
  max-height: 70vh;
  overflow-y: auto;
  z-index: 50;
  opacity: 0;
  transform: translateY(-50%) translateX(20px);
  pointer-events: none;
  transition: opacity .3s, transform .3s;
}
.sticky-toc.visible {
  opacity: 1;
  transform: translateY(-50%) translateX(0);
  pointer-events: auto;
}
.sticky-toc-header {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: .82rem;
  font-weight: 800;
  letter-spacing: .04em;
  color: var(--navy);
  text-transform: uppercase;
  margin-bottom: 12px;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.sticky-toc-close {
  background: 0;
  border: 0;
  color: var(--text-3);
  cursor: pointer;
  font-size: 1rem;
  padding: 2px 6px;
  display: none;
}
.sticky-toc-list {
  list-style: none;
  margin: 0;
  padding: 0;
}
.sticky-toc-list li { margin: 0; }
.sticky-toc-list a {
  display: block;
  padding: 7px 10px;
  font-size: .85rem;
  color: var(--text-2);
  text-decoration: none;
  border-radius: 6px;
  border-left: 2px solid transparent;
  line-height: 1.4;
  transition: all .15s;
}
.sticky-toc-list a:hover {
  background: var(--bg);
  color: var(--navy);
}
.sticky-toc-list a.active {
  background: var(--teal-light);
  color: var(--navy);
  border-left-color: var(--teal);
  font-weight: 600;
}

/* Mobile TOC: collapsible FAB */
.toc-fab {
  position: fixed;
  bottom: 90px;
  right: 16px;
  width: 48px;
  height: 48px;
  background: var(--navy);
  color: white;
  border-radius: 50%;
  border: 0;
  cursor: pointer;
  display: none;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 16px rgba(15,23,42,.2);
  z-index: 50;
  font-size: 1.2rem;
}

@media (max-width: 1100px) {
  .sticky-toc {
    position: fixed;
    bottom: 16px;
    right: 16px;
    top: auto;
    left: 16px;
    transform: translateY(20px);
    width: auto;
    max-height: 60vh;
    border-radius: 16px;
  }
  .sticky-toc.visible { transform: translateY(0); }
  .sticky-toc-close { display: inline-block; }
  .toc-fab { display: flex; }
  .sticky-toc:not(.visible) ~ .toc-fab { display: flex; }
  .sticky-toc.visible ~ .toc-fab { display: none; }
}

/* ─── 5. Sticky "Check Rate" CTA FAB ─── */
.cta-fab {
  position: fixed;
  bottom: 24px;
  right: 24px;
  background: linear-gradient(135deg, #FBBF24 0%, #F59E0B 100%);
  color: var(--navy-deep);
  padding: 14px 22px;
  border-radius: 28px;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 800;
  font-size: .95rem;
  text-decoration: none;
  box-shadow: 0 6px 20px rgba(245,158,11,.35), 0 2px 6px rgba(15,23,42,.15);
  z-index: 60;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  opacity: 0;
  transform: translateY(80px);
  transition: opacity .3s, transform .3s, box-shadow .15s;
  pointer-events: none;
}
.cta-fab.visible {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}
.cta-fab:hover {
  box-shadow: 0 8px 28px rgba(245,158,11,.5), 0 4px 12px rgba(15,23,42,.2);
}
.cta-fab .cta-fab-icon {
  display: inline-block;
  font-size: 1.1rem;
}
@media (max-width: 640px) {
  .cta-fab { padding: 12px 18px; font-size: .85rem; bottom: 16px; right: 16px; }
}

/* ─── 6. "Was This Helpful?" Widget ─── */
.helpful-widget {
  background: linear-gradient(135deg, #F0F9FF 0%, #DBEAFE 100%);
  border: 1px solid #93C5FD;
  border-radius: var(--radius-lg);
  padding: 28px 32px;
  margin: 48px 0;
  text-align: center;
}
.helpful-widget h3 {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--navy);
  margin: 0 0 16px;
}
.helpful-buttons {
  display: flex;
  gap: 14px;
  justify-content: center;
  margin-bottom: 16px;
}
.helpful-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 24px;
  background: white;
  border: 2px solid var(--border);
  border-radius: 24px;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: .92rem;
  font-weight: 700;
  color: var(--text);
  cursor: pointer;
  transition: all .2s;
}
.helpful-btn:hover { transform: translateY(-2px); }
.helpful-btn.yes:hover { border-color: #22C55E; color: #15803D; background: #F0FDF4; }
.helpful-btn.no:hover { border-color: #F59E0B; color: #92400E; background: #FFFBEB; }
.helpful-btn.selected.yes { border-color: #22C55E; color: #15803D; background: #DCFCE7; }
.helpful-btn.selected.no { border-color: #F59E0B; color: #92400E; background: #FEF3C7; }
.helpful-btn-icon { font-size: 1.1rem; }
.helpful-thanks {
  display: none;
  font-size: .92rem;
  color: var(--text-2);
  margin-top: 8px;
}
.helpful-widget.answered .helpful-thanks { display: block; }
.helpful-context {
  font-size: .85rem;
  color: var(--text-2);
  margin: 4px 0 0;
}

@media (max-width: 640px) {
  .helpful-widget { padding: 22px 18px; }
  .helpful-buttons { flex-direction: column; align-items: stretch; gap: 10px; }
  .helpful-btn { width: 100%; justify-content: center; }
}

/* ─── 7. Related Articles Inline Cards ─── */
.related-inline {
  margin: 40px 0;
  padding: 22px 24px;
  background: linear-gradient(180deg, #FEF9C3 0%, #FEF3C7 100%);
  border-left: 4px solid #F59E0B;
  border-radius: 8px;
}
.related-inline-label {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: .75rem;
  font-weight: 800;
  letter-spacing: .08em;
  color: #92400E;
  text-transform: uppercase;
  margin-bottom: 10px;
}
.related-inline h4 {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--navy);
  margin: 0 0 12px;
}
.related-inline-links {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}
.related-inline-links a {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 10px 14px;
  background: white;
  border-radius: 6px;
  color: var(--navy);
  text-decoration: none;
  font-size: .9rem;
  font-weight: 600;
  transition: all .2s;
  border: 1px solid rgba(245,158,11,.2);
}
.related-inline-links a:hover {
  border-color: #F59E0B;
  transform: translateY(-1px);
  box-shadow: 0 2px 8px rgba(245,158,11,.2);
}
.related-inline-links a::before {
  content: '→';
  color: #F59E0B;
  font-weight: 800;
}

@media (max-width: 640px) {
  .related-inline-links { grid-template-columns: 1fr; }
  .related-inline { padding: 18px 16px; }
}

/* ─── 8. Outbound Authority Citation Styling ─── */
a[rel*="external"] {
  position: relative;
}
a[rel*="external"]::after {
  content: '↗';
  font-size: .8em;
  margin-left: 2px;
  opacity: .6;
  vertical-align: 1px;
  display: inline-block;
}

/* ─── 9. Editorial Team Page ─── */
.team-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 24px;
  margin: 32px 0;
}
.team-member-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 26px;
  text-align: center;
  transition: transform .2s, box-shadow .2s;
}
.team-member-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 8px 24px rgba(15,23,42,.08);
}
.team-avatar-large {
  width: 84px;
  height: 84px;
  border-radius: 50%;
  margin: 0 auto 16px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--teal) 100%);
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1.5rem;
  font-weight: 800;
}
.team-member-card h3 {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--navy);
  margin: 0 0 4px;
}
.team-role {
  font-size: .8rem;
  font-weight: 700;
  color: var(--teal-dark);
  text-transform: uppercase;
  letter-spacing: .05em;
  margin-bottom: 14px;
}
.team-bio {
  font-size: .9rem;
  line-height: 1.6;
  color: var(--text-2);
  margin: 0 0 16px;
}
.team-social {
  display: flex;
  gap: 10px;
  justify-content: center;
}
.team-social a {
  width: 32px;
  height: 32px;
  border-radius: 8px;
  background: var(--bg);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--text-2);
  font-size: .85rem;
  transition: all .15s;
}
.team-social a:hover { background: var(--navy); color: white; }

.methodology-card {
  background: white;
  border-left: 4px solid var(--navy);
  border-radius: 8px;
  padding: 22px 26px;
  margin: 20px 0;
  box-shadow: 0 2px 8px rgba(15,23,42,.04);
}
.methodology-card h4 {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1.05rem;
  margin: 0 0 8px;
  color: var(--navy);
}
.methodology-card p { margin: 0; font-size: .92rem; line-height: 1.65; color: var(--text); }

/* ─── Global text-wrap safety (prevents long words/URLs from causing overflow) ─── */
p, li, td, th, h1, h2, h3, h4, h5,
.team-card, .team-card *, .team-member-card *,
.feature-card, .feature-card *,
.related-inline-links a,
.glossary,
.paa-answer-inner, .paa-answer-inner *,
.detail-meta-value {
  overflow-wrap: anywhere;
  word-wrap: break-word;
}

/* Make sure all containers can shrink children */
.container, .container-sm, .container > *, .container-sm > * {
  min-width: 0;
}

/* Specific fix: team-card grid children should not push parents */
.team-grid { min-width: 0; }
.team-grid > * { min-width: 0; max-width: 100%; }
.feature-grid { min-width: 0; }
.feature-grid > * { min-width: 0; max-width: 100%; }