/* ============================================================
   BestPersonalLoansNearMe.com - Master Stylesheet v4.0 PREMIUM
   Same color palette — elevated design with micro-animations,
   glassmorphism, depth layers, and refined typography.
   ============================================================ */

/* ── Design Tokens (unchanged colors) ── */
:root {
    --primary:        #0c4ea3;
    --primary-dark:   #083a7a;
    --primary-light:  #1a68c9;
    --secondary:      #2db37e;
    --secondary-dark: #248f64;
    --accent:         #f59e0b;
    --dark:           #001f3f;
    --dark-2:         #0a2e52;
    --light:          #f4f7fb;
    --light-2:        #eaf0f9;
    --white:          #ffffff;
    --text-main:      #1e293b;
    --text-muted:     #64748b;
    --border:         #e2e8f0;

    --shadow-sm:  0 2px 8px rgba(0,0,0,0.06);
    --shadow:     0 8px 30px rgba(0,0,0,0.10);
    --shadow-lg:  0 20px 50px rgba(0,0,0,0.14);
    --shadow-xl:  0 32px 80px rgba(0,0,0,0.18);

    --radius:     10px;
    --radius-lg:  16px;
    --radius-xl:  24px;

    --transition: all 0.3s cubic-bezier(0.4,0,0.2,1);
    --transition-fast: all 0.18s ease;

    /* Gradient shortcuts */
    --grad-primary:   linear-gradient(135deg, var(--dark) 0%, var(--dark-2) 50%, var(--primary) 100%);
    --grad-secondary: linear-gradient(135deg, var(--secondary-dark), var(--secondary));
    --grad-glass:     rgba(255,255,255,0.08);
}

/* ── Reset & Base ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
    font-family: 'Poppins', sans-serif;
    color: var(--text-main);
    line-height: 1.65;
    background: var(--white);
    overflow-x: hidden;
}
h1, h2, h3, h4, h5 {
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    line-height: 1.2;
}
a { color: inherit; text-decoration: none; transition: var(--transition); }
ul { list-style: none; }
img { max-width: 100%; display: block; }
[v-cloak] { display: none; }

/* ── Utility ── */
.container         { max-width: 1200px; margin: 0 auto; padding: 0 28px; }
.container.narrow  { max-width: 820px; }
.text-center       { text-align: center; }
.bg-light          { background: var(--light); }
.section-padded    { padding: 100px 0; }
.mt-2 { margin-top: .5rem; }   .mt-3 { margin-top: 1rem; }
.mt-4 { margin-top: 1.5rem; }  .mt-5 { margin-top: 3rem; }
.mb-4 { margin-bottom: 1.5rem; }
.gap-xl { gap: 70px; }
.align-center { align-items: center; }
.accent { color: var(--secondary); }

/* ── Grid Helpers ── */
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 50px; }

/* ═══════════════════════════════════════════════════════════
   BUTTONS — elevated with shimmer + glow
   ═══════════════════════════════════════════════════════════ */
.btn-primary {
    display: inline-block;
    position: relative;
    overflow: hidden;
    background: var(--grad-secondary);
    color: var(--white);
    padding: 15px 34px;
    border: none;
    border-radius: 50px;
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: 0.95rem;
    letter-spacing: 0.03em;
    cursor: pointer;
    transition: var(--transition);
    text-align: center;
    box-shadow: 0 4px 16px rgba(45,179,126,0.28);
}
.btn-primary::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(120deg, transparent 30%, rgba(255,255,255,0.22) 50%, transparent 70%);
    transform: translateX(-100%);
    transition: transform 0.55s ease;
}
.btn-primary:hover::after { transform: translateX(100%); }
.btn-primary:hover {
    transform: translateY(-3px);
    box-shadow: 0 10px 30px rgba(45,179,126,0.42);
    color: var(--white);
}
.btn-primary:disabled { opacity: 0.7; cursor: not-allowed; transform: none; }
.btn-primary.full-width { width: 100%; display: block; }

.btn-secondary {
    display: inline-block;
    background: var(--primary);
    color: var(--white);
    padding: 10px 24px;
    border: none;
    border-radius: 50px;
    font-weight: 600;
    font-size: 0.88rem;
    cursor: pointer;
    transition: var(--transition);
    text-align: center;
    letter-spacing: 0.02em;
}
.btn-secondary:hover { background: var(--primary-dark); color: var(--white); transform: translateY(-2px); }

.btn-outline {
    display: inline-block;
    padding: 13px 30px;
    border: 2px solid var(--primary);
    color: var(--primary);
    border-radius: 50px;
    font-weight: 700;
    font-size: 0.92rem;
    transition: var(--transition);
    letter-spacing: 0.02em;
}
.btn-outline:hover { background: var(--primary); color: var(--white); box-shadow: 0 6px 20px rgba(12,78,163,0.25); }

.btn-cta {
    display: inline-block;
    background: var(--white);
    color: var(--primary);
    padding: 18px 44px;
    border-radius: 50px;
    font-family: 'Montserrat', sans-serif;
    font-weight: 800;
    font-size: 1.05rem;
    letter-spacing: 0.03em;
    transition: var(--transition);
    box-shadow: 0 6px 28px rgba(0,0,0,0.18);
}
.btn-cta:hover { transform: translateY(-4px); box-shadow: 0 14px 40px rgba(0,0,0,0.25); color: var(--primary); }

/* ── Section Header ── */
.section-header { margin-bottom: 56px; }
.section-header h2 {
    font-size: 2.4rem;
    margin-bottom: 14px;
    position: relative;
    display: inline-block;
}
.section-header h2::after {
    content: '';
    position: absolute;
    bottom: -8px;
    left: 50%;
    transform: translateX(-50%);
    width: 48px;
    height: 3px;
    background: var(--grad-secondary);
    border-radius: 2px;
}
.text-center .section-header h2::after { left: 50%; transform: translateX(-50%); }
.section-header p { font-size: 1.05rem; color: var(--text-muted); margin-top: 18px; }

/* ═══════════════════════════════════════════════════════════
   COMPONENT: main-header — glass morphism nav
   ═══════════════════════════════════════════════════════════ */
header {
    background: rgba(255,255,255,0.95);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border-bottom: 1px solid rgba(226,232,240,0.7);
    position: sticky;
    top: 0;
    z-index: 1000;
    transition: box-shadow 0.3s, background 0.3s;
}
header.sticky {
    background: rgba(255,255,255,0.98);
    box-shadow: 0 4px 24px rgba(12,78,163,0.10);
}

nav {
    display: flex;
    justify-content: space-between;
    align-items: center;
    height: 80px;
}

.logo {
    display: flex;
    align-items: center;
    font-family: 'Montserrat', sans-serif;
    font-weight: 800;
    font-size: 1.05rem;
    color: var(--primary);
    gap: 10px;
    letter-spacing: -0.01em;
}
.logo-img { height: 46px; }
.logo-img-small { height: 30px; }

.nav-links { display: flex; align-items: center; gap: 4px; }
.nav-links > li > a {
    padding: 8px 15px;
    border-radius: 8px;
    font-size: 0.875rem;
    font-weight: 500;
    color: var(--text-main);
    transition: var(--transition-fast);
}
.nav-links > li > a:hover,
.nav-links > li > a.nav-active {
    color: var(--primary);
    background: var(--light);
}

.dropdown { position: relative; }
.dropdown-menu {
    position: absolute;
    top: calc(100% + 10px);
    left: 0;
    background: var(--white);
    min-width: 220px;
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    opacity: 0;
    visibility: hidden;
    transform: translateY(10px) scale(0.97);
    transform-origin: top left;
    transition: var(--transition);
    padding: 10px 0;
    z-index: 100;
}
.dropdown:hover .dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0) scale(1);
}
.dropdown-menu li a {
    display: block;
    padding: 11px 20px;
    font-size: 0.875rem;
    color: var(--text-main);
    transition: var(--transition-fast);
}
.dropdown-menu li a:hover { background: var(--light); color: var(--primary); padding-left: 26px; }

.nav-actions { display: flex; align-items: center; gap: 8px; }
.search-btn, .menu-toggle {
    background: none;
    border: none;
    font-size: 1.1rem;
    cursor: pointer;
    color: var(--text-main);
    padding: 8px;
    border-radius: 8px;
    transition: var(--transition-fast);
}
.search-btn:hover, .menu-toggle:hover { background: var(--light); color: var(--primary); }
.menu-toggle { display: none; }

/* ═══════════════════════════════════════════════════════════
   COMPONENT: page-hero (subpage banner) — layered depth
   ═══════════════════════════════════════════════════════════ */
.subpage-hero {
    background: var(--grad-primary);
    color: var(--white);
    padding: 80px 0 100px;
    position: relative;
    overflow: hidden;
}
/* Decorative orbs */
.subpage-hero::before,
.subpage-hero::after {
    content: '';
    position: absolute;
    border-radius: 50%;
    opacity: 0.08;
    background: var(--secondary);
}
.subpage-hero::before { width: 600px; height: 600px; top: -200px; right: -100px; }
.subpage-hero::after  { width: 400px; height: 400px; bottom: -150px; left: -80px; background: var(--primary-light); opacity: 0.12; }

.subpage-hero .container { position: relative; z-index: 1; }
.subpage-hero h1 {
    font-size: 3rem;
    margin-bottom: 16px;
    letter-spacing: -0.02em;
}
.subpage-hero p  { font-size: 1.15rem; opacity: 0.82; margin-bottom: 28px; max-width: 600px; margin-left: auto; margin-right: auto; }
.subpage-hero .btn-primary { margin-top: 8px; }

/* ═══════════════════════════════════════════════════════════
   HERO SECTION (homepage) — cinematic depth
   ═══════════════════════════════════════════════════════════ */
.hero {
    min-height: 680px;
    display: flex;
    align-items: center;
    position: relative;
    background: var(--grad-primary);
    overflow: hidden;
}
/* Waveform bottom */
.hero::after {
    content: '';
    position: absolute;
    bottom: -2px;
    left: 0;
    width: 100%;
    height: 80px;
    background: var(--white);
    clip-path: ellipse(60% 100% at 50% 100%);
}
.hero-overlay {
    position: absolute;
    inset: 0;
    background: url('hero-bg.jpg') center/cover no-repeat;
    opacity: 0.12;
    mix-blend-mode: luminosity;
}
/* Decorative orbs */
.hero-orb-1, .hero-orb-2 {
    position: absolute;
    border-radius: 50%;
    pointer-events: none;
}
.hero-orb-1 {
    width: 700px; height: 700px;
    top: -200px; right: -100px;
    background: radial-gradient(circle, rgba(45,179,126,0.18) 0%, transparent 70%);
    animation: floatOrb 8s ease-in-out infinite;
}
.hero-orb-2 {
    width: 400px; height: 400px;
    bottom: 20px; left: -80px;
    background: radial-gradient(circle, rgba(26,104,201,0.18) 0%, transparent 70%);
    animation: floatOrb 10s ease-in-out infinite reverse;
}
@keyframes floatOrb {
    0%, 100% { transform: translateY(0) scale(1); }
    50%       { transform: translateY(-30px) scale(1.04); }
}

.hero-grid {
    display: grid;
    grid-template-columns: 1fr 460px;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 1;
    padding: 100px 28px 160px;
}
.hero-content { color: var(--white); }
.hero-label {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(255,255,255,0.1);
    border: 1px solid rgba(255,255,255,0.2);
    backdrop-filter: blur(8px);
    padding: 8px 18px;
    border-radius: 50px;
    font-size: 0.82rem;
    font-weight: 600;
    margin-bottom: 24px;
    color: #a8efcf;
    letter-spacing: 0.04em;
    text-transform: uppercase;
}
.hero-content h1 {
    font-size: 4rem;
    margin-bottom: 18px;
    line-height: 1.05;
    letter-spacing: -0.03em;
}
.hero-content h1 span.accent { color: var(--secondary); }
.hero-sub { font-size: 1.15rem; opacity: 0.85; margin-bottom: 34px; max-width: 480px; line-height: 1.7; }
.hero-bullets { display: flex; flex-direction: column; gap: 12px; }
.bullet {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 0.95rem;
    opacity: 0.88;
    font-weight: 500;
}
.bullet i { color: var(--secondary); font-size: 1rem; flex-shrink: 0; }

/* Hero form card — glassmorphism */
.hero-form-outer {
    background: rgba(255,255,255,0.96);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    border-radius: var(--radius-xl);
    box-shadow: 0 30px 80px rgba(0,31,63,0.35), 0 0 0 1px rgba(255,255,255,0.15);
}

/* ═══════════════════════════════════════════════════════════
   COMPONENT: lead-form (exact replica, premium styling)
   ═══════════════════════════════════════════════════════════ */
.lead-form-wrapper {
    padding: 38px;
    border-radius: var(--radius-xl);
}
.lead-form-wrapper.compact { padding: 28px; }

.form-title {
    font-size: 1.15rem;
    color: var(--dark);
    margin-bottom: 22px;
    line-height: 1.4;
    font-weight: 700;
    padding-bottom: 16px;
    border-bottom: 2px solid var(--light);
}

/* lf-row / lf-group */
.lf-row      { margin-bottom: 13px; }
.lf-2col     { display: grid; grid-template-columns: 1fr 1fr; gap: 13px; }
.lf-group    { display: flex; flex-direction: column; gap: 5px; }
.lf-full     { width: 100%; }

.lf-group label {
    font-size: 0.75rem;
    font-weight: 700;
    color: var(--text-muted);
    text-transform: uppercase;
    letter-spacing: 0.06em;
}
.req { color: #e11d48; }

.lf-group input,
.lf-group select {
    padding: 12px 14px;
    border: 1.5px solid var(--border);
    border-radius: 9px;
    font-family: 'Poppins', sans-serif;
    font-size: 0.9rem;
    color: var(--text-main);
    background: var(--white);
    transition: var(--transition);
    width: 100%;
    appearance: auto;
}
.lf-group input:focus,
.lf-group select:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 4px rgba(12,78,163,0.10);
    background: #fafcff;
}
.lf-group input::placeholder { color: #b0bec5; }

/* Optional toggle */
.lf-optional-toggle {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    background: var(--light);
    border: 1.5px dashed var(--border);
    border-radius: 10px;
    padding: 12px 16px;
    margin: 10px 0 14px;
    cursor: pointer;
    font-size: 0.77rem;
    color: var(--text-muted);
    line-height: 1.55;
    transition: var(--transition);
    user-select: none;
}
.lf-optional-toggle:hover { background: var(--light-2); border-color: var(--primary-light); color: var(--primary); }
.lf-optional-toggle i  { color: var(--primary); margin-top: 2px; flex-shrink: 0; font-size: 0.72rem; transition: transform 0.2s; }
.lf-optional-toggle em { font-style: italic; opacity: 0.8; }
.lf-optional-fields { padding-top: 4px; }

/* Green Get Started button */
.lf-submit-btn {
    display: block;
    width: 100%;
    background: linear-gradient(135deg, #219150, #27ae60, #2ecc71);
    background-size: 200% 100%;
    background-position: 0% 0%;
    color: var(--white);
    padding: 17px;
    border: none;
    border-radius: 50px;
    font-family: 'Montserrat', sans-serif;
    font-weight: 800;
    font-size: 1rem;
    letter-spacing: 0.05em;
    cursor: pointer;
    transition: var(--transition);
    margin-top: 12px;
    box-shadow: 0 6px 20px rgba(39,174,96,0.35);
    text-transform: uppercase;
}
.lf-submit-btn:hover {
    background-position: 100% 0%;
    transform: translateY(-3px);
    box-shadow: 0 12px 32px rgba(39,174,96,0.45);
}
.lf-submit-btn:disabled { opacity: 0.7; cursor: not-allowed; transform: none; }

/* Legal disclaimer */
.lf-disclaimer {
    font-size: 0.68rem;
    color: var(--text-muted);
    text-align: center;
    margin-top: 14px;
    line-height: 1.65;
}
.lf-disclaimer a { color: var(--primary); text-decoration: underline; }

/* Success state */
.form-success { text-align: center; padding: 50px 20px; }
.form-success i  { font-size: 4.5rem; color: var(--secondary); margin-bottom: 18px; display: block; animation: popIn 0.5s cubic-bezier(0.34,1.56,0.64,1); }
.form-success h3 { font-size: 1.6rem; color: var(--dark); margin-bottom: 10px; }
.form-success p  { color: var(--text-muted); font-size: 0.95rem; }
@keyframes popIn {
    0%   { transform: scale(0); opacity: 0; }
    100% { transform: scale(1); opacity: 1; }
}

/* Legacy helpers (contact page form) */
.f-group { display: flex; flex-direction: column; gap: 5px; }
.f-group label { font-size: 0.75rem; font-weight: 700; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.06em; }
.f-group input, .f-group select, .f-group textarea {
    padding: 12px 14px; border: 1.5px solid var(--border);
    border-radius: 9px; font-family: 'Poppins', sans-serif;
    font-size: 0.9rem; background: var(--white); transition: var(--transition); width: 100%;
}
.f-group input:focus, .f-group select:focus { outline: none; border-color: var(--primary); box-shadow: 0 0 0 4px rgba(12,78,163,0.10); }
.form-grid   { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 18px; }
.form-grid-1 { grid-template-columns: 1fr; }
.span-2      { grid-column: span 2; }
.submit-btn  { font-size: 1rem; padding: 15px; margin-top: 4px; }
.form-disclaimer { font-size: 0.72rem; color: var(--text-muted); text-align: center; margin-top: 12px; line-height: 1.5; }
.form-disclaimer a { color: var(--primary); text-decoration: underline; }
.form-subtitle { font-size: 0.82rem; color: var(--text-muted); margin-bottom: 22px; }

/* ═══════════════════════════════════════════════════════════
   COMPONENT: stats-bar — gradient glass
   ═══════════════════════════════════════════════════════════ */
.stats-bar {
    background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 100%);
    color: var(--white);
    padding: 32px 0;
    position: relative;
}
.stats-bar::before {
    content: '';
    position: absolute;
    inset: 0;
    background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
    text-align: center;
    position: relative;
    z-index: 1;
}
.stat-item {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 16px;
    padding: 16px;
    border-radius: var(--radius);
    background: rgba(255,255,255,0.07);
    backdrop-filter: blur(4px);
    transition: var(--transition);
}
.stat-item:hover { background: rgba(255,255,255,0.13); transform: translateY(-2px); }
.stat-item i { font-size: 2rem; color: var(--secondary); flex-shrink: 0; }
.stat-item strong { display: block; font-size: 1.7rem; font-weight: 800; line-height: 1; letter-spacing: -0.02em; }
.stat-item span { font-size: 0.78rem; opacity: 0.75; margin-top: 2px; }

/* ═══════════════════════════════════════════════════════════
   COMPONENT: lender-table — elevated card
   ═══════════════════════════════════════════════════════════ */
.lender-section > h2 { font-size: 2.2rem; margin-bottom: 14px; }
.lender-table-container {
    border-radius: var(--radius-xl);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    border: 1px solid var(--border);
    overflow-x: auto;
}
.lender-table { width: 100%; border-collapse: collapse; min-width: 740px; }
.lender-table th {
    background: var(--grad-primary);
    color: var(--white);
    padding: 18px 20px;
    text-align: left;
    font-family: 'Montserrat', sans-serif;
    font-size: 0.8rem;
    font-weight: 700;
    letter-spacing: 0.06em;
    text-transform: uppercase;
}
.lender-table tbody tr {
    transition: var(--transition-fast);
    border-bottom: 1px solid var(--border);
}
.lender-table tbody tr:last-child { border-bottom: none; }
.lender-table tbody tr:hover { background: var(--light); }
.lender-table td { padding: 20px; vertical-align: middle; font-size: 0.9rem; }

.lender-name-cell strong { display: block; font-size: 1rem; font-weight: 700; color: var(--dark); }
.badge {
    display: inline-block;
    margin-top: 5px;
    background: linear-gradient(135deg, #eff6ff, #dbeafe);
    color: var(--primary);
    font-size: 0.7rem;
    font-weight: 700;
    padding: 3px 12px;
    border-radius: 20px;
    border: 1px solid #bfdbfe;
    letter-spacing: 0.03em;
}
.stars { display: flex; gap: 2px; }
.stars .fa-star { font-size: 0.82rem; color: #e2e8f0; }
.stars .fa-star.active { color: #f59e0b; }
.interest-col { color: #e11d48; font-weight: 700; }

/* ═══════════════════════════════════════════════════════════
   COMPONENT: loan-calculator — premium card
   ═══════════════════════════════════════════════════════════ */
.calc-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius-xl);
    padding: 38px;
    box-shadow: var(--shadow-lg);
    position: relative;
    overflow: hidden;
}
.calc-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 4px;
    background: var(--grad-secondary);
}
.calc-title { font-size: 1.4rem; margin-bottom: 24px; color: var(--dark); }

.preset-buttons { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 28px; }
.preset-btn {
    padding: 7px 16px;
    border: 1.5px solid var(--border);
    border-radius: 50px;
    background: var(--white);
    font-family: 'Poppins', sans-serif;
    font-size: 0.8rem;
    font-weight: 600;
    cursor: pointer;
    transition: var(--transition);
    color: var(--text-main);
}
.preset-btn:hover { border-color: var(--primary); color: var(--primary); }
.preset-btn.active {
    background: var(--primary);
    border-color: var(--primary);
    color: var(--white);
    box-shadow: 0 4px 12px rgba(12,78,163,0.28);
}

.calc-input-group { margin-bottom: 24px; }
.calc-input-group label {
    display: flex; justify-content: space-between; align-items: center;
    font-size: 0.82rem; font-weight: 700; margin-bottom: 10px;
    color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.05em;
}
.calc-input-group label span { color: var(--primary); font-size: 1.05rem; letter-spacing: 0; text-transform: none; font-weight: 700; }

input[type="range"] {
    width: 100%; height: 6px;
    accent-color: var(--primary); cursor: pointer; border-radius: 3px;
}

.calc-results {
    background: linear-gradient(135deg, var(--light) 0%, var(--light-2) 100%);
    border-radius: var(--radius-lg);
    padding: 24px;
    display: flex;
    flex-direction: column;
    gap: 14px;
    margin-top: 28px;
    border: 1px solid var(--border);
}
.result-item { display: flex; justify-content: space-between; align-items: center; }
.result-item .label { font-size: 0.82rem; font-weight: 700; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.05em; }
.result-item .value { font-size: 1.7rem; font-weight: 800; color: var(--secondary); letter-spacing: -0.02em; }
.result-item.primary .value { font-size: 2.2rem; }
.result-item .value.muted { font-size: 1.1rem; color: var(--text-main); font-weight: 700; }
.calc-results hr { border: none; border-top: 1px solid var(--border); }

.calc-disclaimer { font-size: 0.73rem; color: var(--text-muted); margin-top: 16px; line-height: 1.55; }

/* ═══════════════════════════════════════════════════════════
   COMPONENT: faq-accordion — smooth, refined
   ═══════════════════════════════════════════════════════════ */
.accordion { display: flex; flex-direction: column; gap: 10px; }
.accordion-item {
    border: 1.5px solid var(--border);
    border-radius: var(--radius-lg);
    overflow: hidden;
    transition: border-color 0.2s, box-shadow 0.2s;
}
.accordion-item:hover { border-color: rgba(12,78,163,0.3); box-shadow: var(--shadow-sm); }
.accordion-header {
    padding: 20px 24px;
    background: var(--white);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 16px;
    transition: var(--transition);
    user-select: none;
}
.accordion-header:hover, .accordion-header.open { background: var(--light); }
.accordion-header h3 { font-size: 0.95rem; font-weight: 600; color: var(--dark); line-height: 1.4; }
.accordion-header i {
    width: 28px; height: 28px;
    background: var(--light-2);
    color: var(--primary);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0;
    font-size: 0.75rem;
    transition: var(--transition);
}
.accordion-header.open i { background: var(--primary); color: var(--white); }
.accordion-body { padding: 0 24px 20px; font-size: 0.9rem; color: var(--text-muted); line-height: 1.75; }
.accordion-enter-active, .accordion-leave-active { transition: all 0.25s ease; overflow: hidden; }
.accordion-enter, .accordion-leave-to { opacity: 0; max-height: 0; }
.accordion-enter-to, .accordion-leave { opacity: 1; max-height: 600px; }

/* ═══════════════════════════════════════════════════════════
   COMPONENT: process-step — floating cards
   ═══════════════════════════════════════════════════════════ */
.step-card-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 50px 28px; }
.step-card {
    background: var(--white);
    padding: 38px 28px 30px;
    border-radius: var(--radius-xl);
    border: 1.5px solid var(--border);
    position: relative;
    margin-top: 22px;
    transition: var(--transition);
    cursor: default;
}
.step-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
    border-color: rgba(12,78,163,0.2);
}
.step-number {
    position: absolute;
    top: -22px; left: 28px;
    width: 44px; height: 44px;
    background: var(--grad-secondary);
    color: var(--white);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-weight: 800;
    font-size: 0.82rem;
    box-shadow: 0 6px 16px rgba(45,179,126,0.40);
    letter-spacing: 0.02em;
}
.step-card i {
    font-size: 2.2rem;
    background: var(--grad-secondary);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    margin-bottom: 18px;
    display: block;
}
.step-card h3 { font-size: 1.05rem; margin-bottom: 10px; }
.step-card p  { font-size: 0.875rem; color: var(--text-muted); line-height: 1.7; }

/* ═══════════════════════════════════════════════════════════
   COMPONENT: loan-type-card — hover lift + icon glow
   ═══════════════════════════════════════════════════════════ */
.types-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 24px; }
.type-card {
    background: var(--white);
    padding: 38px 28px;
    border-radius: var(--radius-xl);
    border: 1.5px solid var(--border);
    text-align: center;
    transition: var(--transition);
    cursor: pointer;
    position: relative;
    overflow: hidden;
}
.type-card::after {
    content: '';
    position: absolute;
    inset: 0;
    background: var(--grad-primary);
    opacity: 0;
    transition: opacity 0.3s;
    border-radius: inherit;
}
.type-card:hover::after  { opacity: 0.03; }
.type-card:hover {
    transform: translateY(-10px);
    box-shadow: var(--shadow-lg);
    border-color: rgba(12,78,163,0.2);
}
.type-card i {
    font-size: 2.6rem;
    background: linear-gradient(135deg, var(--primary), var(--secondary));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    display: block;
    margin-bottom: 20px;
    transition: var(--transition);
}
.type-card:hover i { transform: scale(1.1); }
.type-card h3 { font-size: 1.05rem; margin-bottom: 10px; }
.type-card p  { font-size: 0.86rem; color: var(--text-muted); margin-bottom: 22px; line-height: 1.65; }
.learn-more {
    color: var(--primary);
    font-weight: 700;
    font-size: 0.88rem;
    display: inline-flex;
    align-items: center;
    gap: 6px;
    transition: var(--transition);
    position: relative;
    z-index: 1;
}
.learn-more::after {
    content: '';
    position: absolute;
    bottom: -2px;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--secondary);
    transition: width 0.25s ease;
}
.learn-more:hover::after { width: 100%; }
.learn-more:hover { color: var(--primary-dark); gap: 10px; }

/* Mini types */
.types-grid.mini { grid-template-columns: repeat(auto-fill, minmax(135px, 1fr)); gap: 14px; }
.mini-type {
    background: var(--light);
    border: 1.5px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 22px 12px;
    text-align: center;
    transition: var(--transition);
    cursor: pointer;
}
.mini-type:hover { border-color: var(--primary); background: var(--light-2); transform: translateY(-4px); box-shadow: var(--shadow-sm); }
.mini-type i { font-size: 1.75rem; color: var(--primary); display: block; margin-bottom: 10px; }
.mini-type span { font-size: 0.8rem; font-weight: 600; }

/* ═══════════════════════════════════════════════════════════
   LOAN TYPE ARTICLE LAYOUT
   ═══════════════════════════════════════════════════════════ */
.loan-type-layout { display: grid; grid-template-columns: 1fr 360px; gap: 52px; align-items: start; }
.article-body h2 { font-size: 2rem; margin-bottom: 20px; letter-spacing: -0.02em; }
.article-body h3 { font-size: 1.2rem; margin: 34px 0 12px; color: var(--dark); position: relative; padding-left: 16px; }
.article-body h3::before { content: ''; position: absolute; left: 0; top: 0; bottom: 0; width: 4px; background: var(--grad-secondary); border-radius: 2px; }
.article-body p  { font-size: 0.93rem; color: var(--text-muted); margin-bottom: 18px; line-height: 1.75; }
.article-sidebar { position: sticky; top: 100px; display: flex; flex-direction: column; gap: 20px; }

/* ═══════════════════════════════════════════════════════════
   SHARED CONTENT COMPONENTS
   ═══════════════════════════════════════════════════════════ */
.check-list { display: flex; flex-direction: column; gap: 11px; }
.check-list li { display: flex; align-items: flex-start; gap: 12px; font-size: 0.92rem; font-weight: 500; }
.check-list li i { color: var(--secondary); margin-top: 2px; flex-shrink: 0; font-size: 1rem; }
.check-list li .fas.fa-exclamation-circle { color: #e11d48; }

.highlight-box {
    background: linear-gradient(135deg, #eff6ff, #dbeafe);
    border-left: 4px solid var(--primary);
    padding: 22px 26px;
    border-radius: 0 var(--radius-lg) var(--radius-lg) 0;
    display: flex;
    gap: 18px;
    align-items: flex-start;
    margin: 26px 0;
    box-shadow: var(--shadow-sm);
}
.highlight-box i { color: var(--primary); font-size: 1.5rem; margin-top: 2px; flex-shrink: 0; }
.highlight-box p { font-size: 0.9rem; color: var(--primary-dark); margin: 0; line-height: 1.7; }

.alert-box {
    background: linear-gradient(135deg, #fffbeb, #fef3c7);
    border-left: 4px solid var(--accent);
    padding: 20px 26px;
    border-radius: 0 var(--radius-lg) var(--radius-lg) 0;
    margin: 26px 0;
}
.alert-box h4 { color: #92400e; margin-bottom: 8px; font-size: 0.95rem; display: flex; align-items: center; gap: 8px; }
.alert-box p  { font-size: 0.86rem; color: #78350f; margin: 0; }

.info-card {
    background: var(--white);
    padding: 38px;
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow);
    border: 1px solid var(--border);
}
.info-card.highlight { border-left: 5px solid var(--secondary); }
.info-card h2 { margin-bottom: 18px; font-size: 1.7rem; }
.info-card p  { font-size: 0.91rem; color: var(--text-muted); margin-bottom: 14px; }

.comparison-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.compare-item { padding: 24px; border-radius: var(--radius-lg); }
.compare-item.good    { background: linear-gradient(135deg, #f0fdf4, #dcfce7); border: 1.5px solid #86efac; }
.compare-item.caution { background: linear-gradient(135deg, #fff7ed, #ffedd5); border: 1.5px solid #fdba74; }
.compare-item h4 { font-size: 0.92rem; margin-bottom: 14px; display: flex; align-items: center; gap: 8px; }
.compare-item.good h4    { color: #15803d; }
.compare-item.caution h4 { color: #c2410c; }

.pro-tip {
    background: linear-gradient(135deg, #f0fdf4, #dcfce7);
    border: 1.5px solid #86efac;
    padding: 22px;
    border-radius: var(--radius-lg);
    display: flex; gap: 16px; align-items: flex-start;
}
.pro-tip i { color: var(--secondary); font-size: 1.5rem; flex-shrink: 0; }
.pro-tip p { font-size: 0.88rem; color: #166534; margin: 0; line-height: 1.7; }

/* ═══════════════════════════════════════════════════════════
   CALC INFO + SIDEBAR
   ═══════════════════════════════════════════════════════════ */
.calc-info h2 { font-size: 2.1rem; margin-bottom: 16px; letter-spacing: -0.02em; }
.calc-info p  { color: var(--text-muted); font-size: 0.93rem; line-height: 1.75; }

.explainer-card {
    background: var(--light);
    border-radius: var(--radius-lg);
    padding: 20px 24px;
    margin-bottom: 14px;
    border: 1px solid var(--border);
    transition: var(--transition);
}
.explainer-card:hover { border-color: rgba(12,78,163,0.2); box-shadow: var(--shadow-sm); }
.explainer-card h4 { font-size: 0.93rem; margin-bottom: 6px; display: flex; align-items: center; gap: 10px; color: var(--dark); }
.explainer-card h4 i { color: var(--primary); width: 28px; height: 28px; background: var(--light-2); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 0.75rem; flex-shrink: 0; }
.explainer-card p { font-size: 0.84rem; color: var(--text-muted); margin: 0; }

.sidebar-cta {
    background: linear-gradient(135deg, var(--light-2), var(--light));
    border: 1.5px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 24px;
}
.sidebar-cta h4 { margin-bottom: 8px; font-size: 1rem; }
.sidebar-cta p  { font-size: 0.83rem; color: var(--text-muted); }

.state-facts-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.stat-fact {
    background: var(--light);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 14px 18px;
    display: flex; align-items: center; gap: 12px;
    font-size: 0.84rem;
    transition: var(--transition);
}
.stat-fact:hover { border-color: rgba(12,78,163,0.25); background: var(--light-2); }
.stat-fact i { color: var(--primary); font-size: 1rem; }

.nearby-states h4 { margin-bottom: 12px; }
.state-link-list { display: flex; flex-direction: column; gap: 6px; }
.state-link-list a {
    display: flex; align-items: center; gap: 10px;
    padding: 10px 16px;
    background: var(--light);
    border-radius: 8px;
    font-size: 0.87rem; font-weight: 500;
    color: var(--text-main);
    transition: var(--transition);
    border: 1px solid transparent;
}
.state-link-list a:hover { background: var(--primary); color: var(--white); border-color: var(--primary); transform: translateX(4px); }
.state-link-list a i { font-size: 0.68rem; }

/* ═══════════════════════════════════════════════════════════
   FAQ PAGE LAYOUT
   ═══════════════════════════════════════════════════════════ */
.faq-layout { display: grid; grid-template-columns: 240px 1fr; gap: 52px; align-items: start; }
.faq-sidebar { position: sticky; top: 100px; }
.faq-sidebar h3 { margin-bottom: 14px; font-size: 0.95rem; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.06em; }
.faq-nav { display: flex; flex-direction: column; gap: 4px; }
.faq-nav a {
    display: flex; align-items: center; gap: 10px;
    padding: 11px 14px;
    border-radius: 9px;
    font-size: 0.875rem; font-weight: 500;
    color: var(--text-main);
    transition: var(--transition);
    border: 1px solid transparent;
}
.faq-nav a:hover { background: var(--light); color: var(--primary); border-color: var(--border); }
.faq-nav a.active { background: var(--primary); color: var(--white); box-shadow: 0 4px 14px rgba(12,78,163,0.28); }
.faq-nav a i { width: 18px; text-align: center; font-size: 0.82rem; }
.faq-group { margin-bottom: 52px; }
.faq-group h2 { font-size: 1.6rem; margin-bottom: 26px; padding-bottom: 14px; border-bottom: 2px solid var(--light); }

.sidebar-cta { text-align: center; }

/* ═══════════════════════════════════════════════════════════
   STATES DIRECTORY
   ═══════════════════════════════════════════════════════════ */
.states-directory { padding: 80px 0; }
.states-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(200px, 1fr)); gap: 16px; }
.state-card {
    background: var(--white);
    border: 1.5px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 24px 22px 20px;
    text-align: center;
    transition: var(--transition);
    cursor: pointer;
    position: relative;
    outline: none;
}
.state-card:hover,
.state-card:focus {
    transform: translateY(-6px);
    box-shadow: var(--shadow);
    border-color: rgba(12,78,163,0.32);
    background: linear-gradient(135deg, #fafcff, #eff6ff);
}

/* two-letter abbreviation circle */
.state-abbr-badge {
    width: 52px; height: 52px;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    color: var(--white);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-family: 'Montserrat', sans-serif;
    font-weight: 800;
    font-size: 1rem;
    margin: 0 auto 14px;
    box-shadow: 0 4px 14px rgba(12,78,163,0.28);
    transition: var(--transition);
}
.state-card:hover .state-abbr-badge { transform: scale(1.1); box-shadow: 0 6px 20px rgba(12,78,163,0.40); }

.state-card h3 { color: var(--dark); margin-bottom: 6px; font-size: 0.97rem; }
.state-card p  { font-size: 0.78rem; color: var(--text-muted); margin-bottom: 12px; line-height: 1.5; }
.state-card-btn {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    color: var(--primary);
    font-weight: 700;
    font-size: 0.82rem;
    transition: var(--transition);
}
.state-card:hover .state-card-btn { gap: 10px; color: var(--secondary); }

/* Vue modal transition */
.fade-enter-active { animation: overlayIn 0.22s ease; }
.fade-leave-active { animation: overlayIn 0.18s ease reverse; }



/* Search bar */
.state-search-bar {
    display: flex; align-items: center; gap: 12px;
    background: var(--white);
    border: 1.5px solid var(--border);
    border-radius: 50px;
    padding: 13px 22px;
    margin-bottom: 40px;
    box-shadow: var(--shadow-sm);
    max-width: 420px;
    transition: var(--transition);
}
.state-search-bar:focus-within { border-color: var(--primary); box-shadow: 0 0 0 4px rgba(12,78,163,0.10); }
.state-search-bar i { color: var(--text-muted); }
.state-search-bar input { border: none; outline: none; font-family: 'Poppins', sans-serif; font-size: 0.93rem; width: 100%; color: var(--text-main); }

/* Mini lender cards */
.mini-lender-card {
    display: flex; justify-content: space-between; align-items: center;
    padding: 12px 16px; background: var(--light);
    border-radius: 8px; margin-bottom: 8px;
    font-size: 0.88rem; border: 1px solid var(--border);
    transition: var(--transition);
}
.mini-lender-card:hover { border-color: rgba(12,78,163,0.25); background: var(--light-2); }
.mini-lender-card span { font-weight: 700; }
.mini-lender-card .fa-star { color: #f59e0b; font-size: 0.72rem; }

/* ═══════════════════════════════════════════════════════════
   CONTACT PAGE
   ═══════════════════════════════════════════════════════════ */
.contact-methods { margin-top: 30px; }
.method-item { display: flex; gap: 18px; align-items: flex-start; margin-bottom: 26px; }
.method-item i {
    font-size: 1.1rem; color: var(--primary);
    background: linear-gradient(135deg, var(--light-2), var(--light));
    width: 52px; height: 52px;
    display: flex; align-items: center; justify-content: center;
    border-radius: 12px; flex-shrink: 0;
    border: 1px solid var(--border);
}
.method-item h4 { margin-bottom: 4px; font-size: 0.95rem; }
.method-item p  { font-size: 0.86rem; color: var(--text-muted); margin: 0; }

.contact-form-card {
    background: var(--white);
    border: 1.5px solid var(--border);
    border-radius: var(--radius-xl);
    padding: 38px;
    box-shadow: var(--shadow);
    position: relative;
    overflow: hidden;
}
.contact-form-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 4px;
    background: var(--grad-secondary);
}
.form-group { margin-bottom: 18px; }
.form-group label { display: block; margin-bottom: 6px; font-size: 0.75rem; font-weight: 700; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.06em; }
.form-group input, .form-group select, .form-group textarea {
    width: 100%; padding: 12px 14px;
    border: 1.5px solid var(--border); border-radius: 9px;
    font-family: 'Poppins', sans-serif; font-size: 0.9rem;
    transition: var(--transition);
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
    outline: none; border-color: var(--primary);
    box-shadow: 0 0 0 4px rgba(12,78,163,0.10);
}
.important-note {
    font-size: 0.83rem; color: var(--text-muted);
    background: linear-gradient(135deg, #fffbeb, #fef3c7);
    border-radius: var(--radius); padding: 16px 18px;
    border: 1px solid #fde68a; line-height: 1.65;
}

/* ═══════════════════════════════════════════════════════════
   LEGAL PAGES
   ═══════════════════════════════════════════════════════════ */
.legal-page { padding: 70px 0; }
.legal-page h1 { font-size: 2.4rem; margin-bottom: 8px; letter-spacing: -0.02em; }
.last-updated { font-size: 0.84rem; color: var(--text-muted); margin-bottom: 42px; font-style: italic; }
.legal-content h3 { font-size: 1.1rem; margin: 32px 0 12px; color: var(--dark); padding-left: 14px; border-left: 3px solid var(--secondary); }
.legal-content p  { font-size: 0.91rem; color: var(--text-muted); margin-bottom: 14px; line-height: 1.75; }

/* ═══════════════════════════════════════════════════════════
   CTA STRIP — premium gradient
   ═══════════════════════════════════════════════════════════ */
.cta-strip {
    background: var(--grad-primary);
    color: var(--white);
    padding: 90px 0;
    position: relative;
    overflow: hidden;
}
.cta-strip::before {
    content: '';
    position: absolute;
    top: -100px; right: -100px;
    width: 500px; height: 500px;
    background: radial-gradient(circle, rgba(45,179,126,0.2) 0%, transparent 70%);
    border-radius: 50%;
}
.cta-strip h2 { font-size: 2.6rem; margin-bottom: 16px; letter-spacing: -0.03em; position: relative; }
.cta-strip p  { font-size: 1.05rem; opacity: 0.78; margin-bottom: 36px; position: relative; }

/* ═══════════════════════════════════════════════════════════
   COMPONENT: main-footer — rich dark
   ═══════════════════════════════════════════════════════════ */
footer {
    background: var(--dark);
    color: var(--white);
    padding: 80px 0 30px;
    position: relative;
}
footer::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 3px;
    background: var(--grad-secondary);
}
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 50px; margin-bottom: 60px; }
.footer-col .logo { font-size: 1rem; }
.footer-col.about p { font-size: 0.84rem; opacity: 0.60; margin: 18px 0; line-height: 1.7; }
.footer-col h4 {
    font-size: 0.8rem; margin-bottom: 20px;
    text-transform: uppercase; letter-spacing: 0.1em;
    position: relative; padding-bottom: 10px;
    opacity: 0.6;
}
.footer-col h4::after {
    content: ''; position: absolute;
    bottom: 0; left: 0;
    width: 24px; height: 2px;
    background: var(--grad-secondary);
    border-radius: 1px;
}
.footer-col ul { display: flex; flex-direction: column; gap: 9px; }
.footer-col ul a { font-size: 0.86rem; opacity: 0.58; transition: var(--transition); }
.footer-col ul a:hover { opacity: 1; color: var(--secondary); padding-left: 6px; }

.social-links { display: flex; gap: 10px; }
.social-links a {
    width: 40px; height: 40px;
    background: rgba(255,255,255,0.07);
    border: 1px solid rgba(255,255,255,0.1);
    border-radius: 10px;
    display: flex; align-items: center; justify-content: center;
    font-size: 0.88rem;
    transition: var(--transition);
}
.social-links a:hover { background: var(--secondary); border-color: var(--secondary); transform: translateY(-3px); }

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.06);
    padding-top: 30px;
}
.footer-bottom p { font-size: 0.8rem; opacity: 0.5; margin-bottom: 8px; }
.disclaimer {
    font-size: 0.75rem; opacity: 0.42;
    max-width: 900px; margin: 0 auto;
    line-height: 1.65;
}

/* ═══════════════════════════════════════════════════════════
   ABOUT & MISSION
   ═══════════════════════════════════════════════════════════ */
.mission-section { padding: 100px 0; }
.mission-text h2 { font-size: 2.1rem; margin-bottom: 20px; letter-spacing: -0.02em; }
.mission-text p  { color: var(--text-muted); font-size: 0.94rem; margin-bottom: 16px; line-height: 1.75; }
.values-section  { padding: 100px 0; }

/* ═══════════════════════════════════════════════════════════
   ENTER ANIMATIONS
   ═══════════════════════════════════════════════════════════ */
@keyframes fadeUp {
    from { opacity: 0; transform: translateY(24px); }
    to   { opacity: 1; transform: translateY(0); }
}
.type-card, .step-card, .state-card, .accordion-item {
    animation: fadeUp 0.5s ease both;
}
.type-card:nth-child(2) { animation-delay: 0.06s; }
.type-card:nth-child(3) { animation-delay: 0.12s; }
.type-card:nth-child(4) { animation-delay: 0.18s; }
.type-card:nth-child(5) { animation-delay: 0.24s; }
.type-card:nth-child(6) { animation-delay: 0.30s; }

/* ═══════════════════════════════════════════════════════════
   RESPONSIVE BREAKPOINTS
   ═══════════════════════════════════════════════════════════ */
@media (max-width: 1100px) {
    .hero-grid { grid-template-columns: 1fr; text-align: center; padding: 70px 28px 160px; }
    .hero-grid .hero-form-outer { max-width: 540px; margin: 0 auto; }
    .hero-bullets { align-items: center; }
    .hero-sub { margin: 0 auto 30px; }
    .loan-type-layout { grid-template-columns: 1fr; }
    .article-sidebar { position: static; }
}

@media (max-width: 900px) {
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px 30px; }
    .stats-grid { grid-template-columns: 1fr 1fr; gap: 16px; }
    .faq-layout { grid-template-columns: 1fr; }
    .faq-sidebar { position: static; display: none; }
    .comparison-grid { grid-template-columns: 1fr; }
    .state-facts-grid { grid-template-columns: 1fr; }
    .grid-2 { grid-template-columns: 1fr; gap: 40px; }
}

@media (max-width: 768px) {
    .section-padded { padding: 70px 0; }
    .section-header h2 { font-size: 1.9rem; }
    .menu-toggle { display: block; }
    .nav-links {
        position: fixed;
        top: 80px; left: -100%;
        width: 100%; height: calc(100vh - 80px);
        background: var(--white);
        flex-direction: column;
        align-items: flex-start;
        padding: 28px 20px;
        gap: 2px;
        transition: left 0.3s ease;
        overflow-y: auto;
        z-index: 999;
        box-shadow: var(--shadow-xl);
    }
    .nav-links.active { left: 0; }
    .nav-links > li { width: 100%; }
    .nav-links > li > a { padding: 13px 16px; display: block; border-radius: var(--radius); }
    .dropdown-menu { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: none; background: var(--light); border-radius: var(--radius); padding-left: 16px; margin-top: 4px; }
    .hero-content h1 { font-size: 2.6rem !important; }
    .lf-2col { grid-template-columns: 1fr; }
    .form-grid { grid-template-columns: 1fr; }
    .span-2 { grid-column: span 1; }
    .logo span { display: none; }
    .footer-grid { grid-template-columns: 1fr; }
    .subpage-hero h1 { font-size: 2.2rem; }
}

@media (max-width: 480px) {
    .stats-grid { grid-template-columns: 1fr 1fr; }
    .step-card-grid { grid-template-columns: 1fr; }
    .hero-content h1 { font-size: 2.1rem !important; }
    .cta-strip h2 { font-size: 1.9rem; }
}