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

:root {
    --primary: #1E40AF;
    --primary-dark: #1E3A8A;
    --primary-light: #3B82F6;
    --accent: #F59E0B;
    --accent-hover: #D97706;
    --success: #059669;
    --bg: #FFFFFF;
    --bg-light: #F8FAFC;
    --bg-dark: #0F172A;
    --text: #1E293B;
    --text-muted: #64748B;
    --text-light: #94A3B8;
    --border: #E2E8F0;
    --radius: 16px;
    --radius-sm: 8px;
    --radius-xs: 6px;
    --shadow: 0 1px 3px rgba(0,0,0,0.08), 0 4px 16px rgba(0,0,0,0.06);
    --shadow-lg: 0 4px 24px rgba(0,0,0,0.12);
    --shadow-xl: 0 8px 40px rgba(0,0,0,0.16);
    --transition: 0.3s ease;
}

html {
    scroll-behavior: smooth;
    overflow-x: hidden;
}

body {
    font-family: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, sans-serif;
    color: var(--text);
    background: var(--bg);
    line-height: 1.6;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
    -webkit-text-size-adjust: 100%;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
    overflow-wrap: break-word;
    word-wrap: break-word;
}

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

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

/* Prevent horizontal overflow */
article, .content-main, .legal-content, .page-hero-content, .faq-answer p, .cookie-content p, .footer-disclaimer p {
    overflow-wrap: break-word;
    word-break: break-word;
}

pre, code {
    overflow-x: auto;
    max-width: 100%;
}

/* ===== Cookie Banner ===== */
.cookie-banner {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 3000;
    background: var(--bg-dark);
    color: #CBD5E1;
    padding: 20px 24px;
    box-shadow: 0 -4px 24px rgba(0,0,0,0.2);
    display: none;
}

.cookie-banner.active {
    display: block;
}

.cookie-content {
    max-width: 1200px;
    margin: 0 auto;
    display: flex;
    align-items: center;
    gap: 24px;
    flex-wrap: wrap;
}

.cookie-content p {
    flex: 1;
    font-size: 0.85rem;
    line-height: 1.6;
    min-width: 200px;
}

.cookie-actions {
    display: flex;
    gap: 10px;
}

.cookie-btn {
    padding: 10px 20px;
    border-radius: var(--radius-sm);
    font-size: 0.85rem;
    font-weight: 600;
    cursor: pointer;
    border: none;
    font-family: inherit;
    transition: var(--transition);
}

.cookie-btn-accept {
    background: var(--accent);
    color: #fff;
}

.cookie-btn-reject {
    background: rgba(255,255,255,0.1);
    color: #fff;
}

.cookie-btn-outline {
    background: none;
    border: 1px solid rgba(255,255,255,0.3);
    color: #fff;
}

.cookie-link {
    color: var(--primary-light) !important;
    font-size: 0.8rem;
    text-decoration: underline !important;
    padding: 8px 0;
    display: inline-block;
}

/* ===== Navbar ===== */
.navbar {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: rgba(255,255,255,0.92);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    border-bottom: 1px solid var(--border);
    transition: var(--transition);
}

.navbar.scrolled {
    box-shadow: var(--shadow);
}

.nav-container {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 72px;
}

.logo {
    display: flex;
    align-items: center;
    font-weight: 800;
    font-size: 1.5rem;
    color: var(--text);
    letter-spacing: -0.03em;
}

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

/* Footer logo: "24" lighter since dark background */
.footer-brand .logo .logo-accent {
    color: var(--primary-light);
}

.nav-links {
    display: flex;
    list-style: none;
    gap: 28px;
    align-items: center;
}

.nav-links > li {
    position: relative;
}

.nav-links > li > a {
    color: var(--text-muted);
    font-weight: 500;
    font-size: 0.92rem;
    transition: var(--transition);
    padding: 8px 0;
    display: block;
}

.nav-links > li > a:hover {
    color: var(--primary);
}

/* Dropdown */
.has-dropdown > a::after {
    content: '';
    display: inline-block;
    width: 0;
    height: 0;
    border-left: 4px solid transparent;
    border-right: 4px solid transparent;
    border-top: 4px solid currentColor;
    margin-left: 6px;
    vertical-align: middle;
}

.dropdown-menu {
    position: absolute;
    top: 100%;
    left: -20px;
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    box-shadow: var(--shadow-xl);
    padding: 24px;
    opacity: 0;
    visibility: hidden;
    transform: translateY(8px);
    transition: all 0.25s ease;
    min-width: 500px;
    z-index: 100;
}

.has-dropdown:hover .dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.dropdown-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.dropdown-col h4 {
    font-size: 0.75rem;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--text-light);
    margin-bottom: 12px;
    font-weight: 600;
}

.dropdown-col a {
    display: block;
    color: var(--text);
    font-size: 0.88rem;
    padding: 6px 0;
    font-weight: 500;
    transition: var(--transition);
}

.dropdown-col a:hover {
    color: var(--primary);
    padding-left: 4px;
}

.nav-cta {
    background: var(--primary);
    color: #fff;
    border: none;
    padding: 10px 22px;
    border-radius: 10px;
    font-weight: 600;
    font-size: 0.88rem;
    cursor: pointer;
    transition: all 0.2s ease;
    font-family: inherit;
    box-shadow: 0 2px 8px rgba(30, 64, 175, 0.2);
}

.nav-cta:hover {
    background: var(--primary-dark);
    box-shadow: 0 4px 12px rgba(30, 64, 175, 0.3);
    transform: translateY(-1px);
}

.mobile-menu-btn {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 10px;
    min-width: 44px;
    min-height: 44px;
    align-items: center;
    justify-content: center;
}

.mobile-menu-btn span {
    width: 24px;
    height: 2px;
    background: var(--text);
    border-radius: 2px;
    transition: var(--transition);
}

/* Mobile Menu */
.mobile-menu {
    display: none;
    position: fixed;
    top: 64px;
    left: 0;
    right: 0;
    bottom: 0;
    background: #fff;
    z-index: 999;
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
}

.mobile-menu.active {
    display: block;
}

.mobile-menu-inner {
    padding: 24px;
    display: flex;
    flex-direction: column;
    gap: 4px;
}

.mobile-menu-inner a {
    display: block;
    padding: 14px 16px;
    color: var(--text);
    font-weight: 500;
    font-size: 1rem;
    border-radius: var(--radius-sm);
    transition: var(--transition);
}

.mobile-menu-inner a:hover {
    background: var(--bg-light);
    color: var(--primary);
}

.mobile-menu-inner .btn-primary {
    margin-top: 16px;
}

/* ===== Hero ===== */
.hero {
    padding: 130px 0 90px;
    background: linear-gradient(160deg, #EFF6FF 0%, #F8FAFC 40%, #FFFBEB 100%);
    position: relative;
    overflow: hidden;
}

.hero-bg-shapes .shape {
    position: absolute;
    border-radius: 50%;
    opacity: 0.05;
    filter: blur(40px);
}

.shape-1 {
    width: 600px;
    height: 600px;
    top: -200px;
    right: -200px;
    background: var(--primary);
    animation: float 12s ease-in-out infinite;
}

.shape-2 {
    width: 400px;
    height: 400px;
    bottom: -120px;
    left: -120px;
    background: var(--accent);
    animation: float 9s ease-in-out infinite reverse;
}

.shape-3 {
    width: 250px;
    height: 250px;
    top: 35%;
    left: 20%;
    background: var(--primary-light);
    animation: float 14s ease-in-out infinite;
}

@keyframes float {
    0%, 100% { transform: translateY(0) scale(1); }
    50% { transform: translateY(-25px) scale(1.03); }
}

.hero-container {
    display: grid;
    grid-template-columns: 1.1fr 1fr;
    gap: 64px;
    align-items: center;
    position: relative;
    z-index: 1;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background: rgba(30, 64, 175, 0.08);
    color: var(--primary);
    padding: 8px 18px;
    border-radius: 100px;
    font-size: 0.82rem;
    font-weight: 600;
    margin-bottom: 24px;
    border: 1px solid rgba(30, 64, 175, 0.12);
}

.hero h1 {
    font-size: 2.9rem;
    line-height: 1.12;
    font-weight: 800;
    margin-bottom: 20px;
    letter-spacing: -0.025em;
    color: var(--bg-dark);
}

.text-gradient {
    background: linear-gradient(90deg, var(--primary), var(--primary-light), #60A5FA, var(--primary), var(--primary-light));
    background-size: 200% 100%;
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    animation: shimmer 3s ease-in-out infinite;
}

@keyframes shimmer {
    0% { background-position: 100% 0; }
    50% { background-position: 0% 0; }
    100% { background-position: 100% 0; }
}

.hero-subtitle {
    font-size: 1.08rem;
    color: var(--text-muted);
    margin-bottom: 28px;
    line-height: 1.75;
    max-width: 520px;
}

.hero-pills {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 36px;
}

.pill {
    background: #fff;
    border: 1px solid var(--border);
    padding: 8px 16px;
    border-radius: 100px;
    font-size: 0.82rem;
    font-weight: 600;
    color: var(--text);
    box-shadow: 0 1px 3px rgba(0,0,0,0.04);
    transition: all 0.2s ease;
}

.pill:hover {
    border-color: var(--primary-light);
    box-shadow: 0 2px 8px rgba(30, 64, 175, 0.1);
}

.hero-trust-row {
    display: flex;
    flex-wrap: wrap;
    gap: 24px;
}

.trust-item {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 0.82rem;
    color: var(--text-muted);
    font-weight: 500;
}

.trust-icon { font-size: 1rem; }

/* ===== Calculator Card ===== */
.calculator-card {
    background: #fff;
    border-radius: 20px;
    box-shadow: 0 25px 60px rgba(15, 23, 42, 0.12), 0 0 0 1px rgba(0,0,0,0.04);
    overflow: hidden;
    transition: box-shadow 0.4s ease;
}

.calculator-card:hover {
    box-shadow: 0 30px 70px rgba(15, 23, 42, 0.15), 0 0 0 1px rgba(0,0,0,0.04);
}

.calculator-header {
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    color: #fff;
    padding: 28px 32px;
}

.calculator-header h2 {
    font-size: 1.25rem;
    font-weight: 700;
    margin-bottom: 4px;
}

.calculator-header p {
    opacity: 0.75;
    font-size: 0.88rem;
}

.calculator-body { padding: 32px; }

.slider-group { margin-bottom: 28px; }

.slider-label {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 14px;
    font-size: 0.88rem;
    font-weight: 600;
    color: var(--text-muted);
}

.slider-value {
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--primary);
    letter-spacing: -0.02em;
}

.slider {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 6px;
    border-radius: 3px;
    background: var(--border);
    outline: none;
    cursor: pointer;
    transition: background 0.1s;
}

.slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 26px;
    height: 26px;
    border-radius: 50%;
    background: #fff;
    border: 3px solid var(--primary);
    box-shadow: 0 2px 6px rgba(30, 64, 175, 0.25), 0 0 0 0 rgba(30, 64, 175, 0);
    cursor: pointer;
    transition: all 0.2s ease;
}

.slider::-webkit-slider-thumb:hover {
    transform: scale(1.15);
    box-shadow: 0 2px 8px rgba(30, 64, 175, 0.3), 0 0 0 6px rgba(30, 64, 175, 0.08);
}

.slider::-webkit-slider-thumb:active {
    transform: scale(1.1);
    box-shadow: 0 2px 8px rgba(30, 64, 175, 0.3), 0 0 0 10px rgba(30, 64, 175, 0.06);
}

.slider::-moz-range-thumb {
    width: 26px;
    height: 26px;
    border-radius: 50%;
    background: #fff;
    border: 3px solid var(--primary);
    box-shadow: 0 2px 6px rgba(30, 64, 175, 0.25);
    cursor: pointer;
}

.slider-range {
    display: flex;
    justify-content: space-between;
    margin-top: 8px;
    font-size: 0.78rem;
    color: var(--text-light);
}

.calculator-summary {
    background: var(--bg-light);
    border-radius: 12px;
    padding: 18px;
    margin-bottom: 24px;
    border: 1px solid var(--border);
}

.summary-row {
    display: flex;
    justify-content: space-between;
    padding: 9px 0;
    font-size: 0.88rem;
}

.summary-row:not(:last-child) {
    border-bottom: 1px solid var(--border);
}

.summary-row span:last-child { font-weight: 700; }

.free-badge {
    color: var(--success) !important;
    font-weight: 700 !important;
}

.summary-row-total {
    background: rgba(30, 64, 175, 0.04);
    margin: 4px -18px;
    padding: 10px 18px !important;
    border-radius: 8px;
    font-size: 1rem !important;
}

.summary-row-total span:last-child {
    font-size: 1.1rem;
    color: var(--primary);
    font-weight: 800 !important;
}

.calculator-first-loan {
    text-align: center;
    font-size: 0.78rem;
    color: var(--success);
    font-weight: 500;
    margin-top: 8px;
    margin-bottom: -4px;
}

/* ===== Buttons ===== */
.btn-primary {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    background: linear-gradient(135deg, #F59E0B 0%, #E88E00 100%);
    color: #fff;
    border: none;
    padding: 16px 32px;
    border-radius: 12px;
    font-size: 1rem;
    font-weight: 700;
    cursor: pointer;
    transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
    box-shadow: 0 4px 14px rgba(245, 158, 11, 0.35), inset 0 1px 0 rgba(255,255,255,0.15);
    font-family: inherit;
    letter-spacing: -0.01em;
}

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(245, 158, 11, 0.4), inset 0 1px 0 rgba(255,255,255,0.15);
}

.btn-primary:active {
    transform: translateY(0);
    box-shadow: 0 2px 8px rgba(245, 158, 11, 0.3);
}

.btn-full { width: 100%; }

.btn-white {
    background: #fff;
    color: var(--primary);
    box-shadow: 0 4px 16px rgba(0,0,0,0.12);
}

.btn-white:hover {
    box-shadow: 0 8px 28px rgba(0,0,0,0.16);
}

.btn-lg {
    padding: 18px 40px;
    font-size: 1.05rem;
    border-radius: 14px;
}

.btn-sidebar {
    margin-top: 20px;
}

.calculator-disclaimer {
    text-align: center;
    font-size: 0.78rem;
    color: var(--text-light);
    margin-top: 14px;
}

/* ===== Stats Section ===== */
.stats-section {
    padding: 0;
    margin-top: -36px;
    position: relative;
    z-index: 2;
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    background: #fff;
    border-radius: 16px;
    box-shadow: 0 8px 32px rgba(15, 23, 42, 0.08), 0 0 0 1px rgba(0,0,0,0.04);
    overflow: hidden;
}

.stat-item {
    padding: 28px 20px;
    text-align: center;
    display: flex;
    flex-direction: column;
    gap: 2px;
}

.stat-item:not(:last-child) {
    border-right: 1px solid var(--border);
}

.stat-number {
    font-size: 1.8rem;
    font-weight: 800;
    color: var(--primary);
    letter-spacing: -0.03em;
}

.stat-label {
    font-size: 0.82rem;
    color: var(--text-muted);
    font-weight: 500;
}

/* ===== Partners ===== */
.partners-section {
    padding: 48px 0;
    background: var(--bg);
}

.partners-label {
    text-align: center;
    font-size: 0.85rem;
    color: var(--text-light);
    font-weight: 500;
    margin-bottom: 24px;
}

.partners-grid {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 40px;
    flex-wrap: wrap;
}

/* ===== Content Section (SEO Article) ===== */
.content-section {
    padding: 80px 0;
    background: var(--bg-light);
}

.content-grid {
    display: grid;
    grid-template-columns: 1fr 360px;
    gap: 48px;
    align-items: start;
    min-width: 0;
}

.content-main {
    min-width: 0;
    overflow-wrap: break-word;
    word-break: break-word;
}

.content-main h2 {
    font-size: 1.8rem;
    font-weight: 800;
    margin-bottom: 16px;
    letter-spacing: -0.01em;
}

.content-main h3 {
    font-size: 1.2rem;
    font-weight: 700;
    margin-top: 28px;
    margin-bottom: 12px;
}

.content-main p {
    color: var(--text-muted);
    margin-bottom: 16px;
    line-height: 1.8;
    font-size: 0.95rem;
}

.content-main ul {
    margin: 16px 0;
    padding-left: 20px;
}

.content-main li {
    color: var(--text-muted);
    margin-bottom: 10px;
    line-height: 1.6;
    font-size: 0.95rem;
}

.content-main strong {
    color: var(--text);
}

/* Sidebar */
.sidebar-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 16px;
    padding: 28px;
    position: sticky;
    top: 96px;
    box-shadow: 0 2px 12px rgba(15, 23, 42, 0.04);
}

.sidebar-card h3 {
    font-size: 1.05rem;
    font-weight: 700;
    margin-bottom: 16px;
}

.check-list {
    list-style: none;
}

.check-list li {
    padding: 8px 0;
    padding-left: 28px;
    position: relative;
    font-size: 0.9rem;
    color: var(--text-muted);
    border-bottom: 1px solid var(--border);
}

.check-list li:last-child {
    border-bottom: none;
}

.check-list li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--success);
    font-weight: 700;
}

/* ===== Section Header ===== */
.section-header {
    text-align: center;
    max-width: 620px;
    margin: 0 auto 60px;
}

.section-badge {
    display: inline-block;
    background: rgba(30, 64, 175, 0.06);
    color: var(--primary);
    padding: 7px 18px;
    border-radius: 100px;
    font-size: 0.8rem;
    font-weight: 600;
    margin-bottom: 16px;
    border: 1px solid rgba(30, 64, 175, 0.1);
    letter-spacing: 0.01em;
}

.section-header h2 {
    font-size: 2.1rem;
    font-weight: 800;
    margin-bottom: 14px;
    letter-spacing: -0.025em;
    color: var(--bg-dark);
}

.section-header p {
    color: var(--text-muted);
    font-size: 1rem;
    line-height: 1.65;
}

/* ===== How It Works ===== */
.how-it-works {
    padding: 100px 0;
    background: var(--bg);
}

.steps-grid {
    display: flex;
    align-items: flex-start;
    justify-content: center;
    gap: 12px;
}

.step-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 16px;
    padding: 36px 24px 28px;
    text-align: center;
    flex: 1;
    max-width: 250px;
    position: relative;
    transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

.step-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 12px 32px rgba(15, 23, 42, 0.1);
    border-color: var(--primary-light);
}

.step-number {
    position: absolute;
    top: -14px;
    left: 50%;
    transform: translateX(-50%);
    background: var(--primary);
    color: #fff;
    width: 28px;
    height: 28px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.8rem;
    font-weight: 700;
}

.step-icon {
    font-size: 2.5rem;
    margin-bottom: 16px;
    margin-top: 8px;
}

.step-card h3 {
    font-size: 1rem;
    font-weight: 700;
    margin-bottom: 8px;
}

.step-card p {
    font-size: 0.88rem;
    color: var(--text-muted);
    line-height: 1.5;
}

.step-arrow {
    margin-top: 60px;
    color: var(--text-light);
    flex-shrink: 0;
}

/* ===== Benefits ===== */
.benefits-section {
    padding: 100px 0;
    background: var(--bg-light);
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.benefit-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 16px;
    padding: 32px;
    transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

.benefit-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 12px 32px rgba(15, 23, 42, 0.1);
    border-color: var(--primary-light);
}

.benefit-icon {
    font-size: 2rem;
    margin-bottom: 16px;
    display: block;
}

.benefit-card h3 {
    font-size: 1.05rem;
    font-weight: 700;
    margin-bottom: 8px;
}

.benefit-card p {
    font-size: 0.9rem;
    color: var(--text-muted);
    line-height: 1.6;
}

/* ===== Comparison Table ===== */
.comparison-section {
    padding: 100px 0;
    background: var(--bg);
}

.table-wrapper {
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    border-radius: 14px;
    border: 1px solid var(--border);
    box-shadow: 0 2px 12px rgba(15, 23, 42, 0.06);
}

.comparison-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.9rem;
    min-width: 700px;
}

.comparison-table thead {
    background: var(--bg-light);
}

.comparison-table th {
    padding: 16px 20px;
    text-align: left;
    font-weight: 600;
    font-size: 0.8rem;
    text-transform: uppercase;
    letter-spacing: 0.03em;
    color: var(--text-muted);
    border-bottom: 2px solid var(--border);
    white-space: nowrap;
}

.comparison-table td {
    padding: 16px 20px;
    border-bottom: 1px solid var(--border);
    vertical-align: middle;
}

.comparison-table tbody tr:hover {
    background: rgba(30, 64, 175, 0.02);
}

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

.tag-green {
    background: rgba(5, 150, 105, 0.1);
    color: var(--success);
    padding: 3px 10px;
    border-radius: 100px;
    font-weight: 600;
    font-size: 0.85rem;
}

/* Table lender cell with logo */
.td-lender {
    display: flex;
    align-items: center;
    gap: 10px;
}

.table-logo {
    height: 30px;
    width: auto;
    max-width: 120px;
    object-fit: contain;
}

/* Partner images */
.partner-img {
    height: 40px;
    width: auto;
    max-width: 140px;
    object-fit: contain;
    opacity: 0.6;
    transition: var(--transition);
}

.partner-img:hover,
.partners-grid a:hover .partner-img {
    opacity: 1;
}

.table-cta {
    display: inline-block;
    background: var(--primary);
    color: #fff;
    border: none;
    padding: 8px 20px;
    border-radius: var(--radius-xs);
    font-weight: 600;
    font-size: 0.85rem;
    cursor: pointer;
    transition: var(--transition);
    font-family: inherit;
    white-space: nowrap;
    text-decoration: none;
    text-align: center;
}

.table-cta:hover {
    background: var(--primary-dark);
}

.table-disclaimer {
    margin-top: 16px;
    font-size: 0.8rem;
    color: var(--text-light);
    line-height: 1.6;
}

/* ===== Requirements ===== */
.requirements-section {
    padding: 80px 0;
    background: var(--bg-light);
}

.requirements-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
}

.req-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 14px;
    padding: 28px;
    text-align: center;
    transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

.req-card:hover {
    box-shadow: 0 8px 24px rgba(15, 23, 42, 0.08);
    border-color: var(--primary-light);
    transform: translateY(-3px);
}

.req-icon {
    font-size: 2rem;
    margin-bottom: 12px;
}

.req-card h3 {
    font-size: 0.95rem;
    font-weight: 700;
    margin-bottom: 6px;
}

.req-card p {
    font-size: 0.85rem;
    color: var(--text-muted);
}

/* ===== CTA Strip ===== */
.cta-strip {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
    padding: 64px 0;
    position: relative;
    overflow: hidden;
}

.cta-strip::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -10%;
    width: 400px;
    height: 400px;
    border-radius: 50%;
    background: rgba(255,255,255,0.04);
}

.cta-strip::after {
    content: '';
    position: absolute;
    bottom: -40%;
    left: -5%;
    width: 300px;
    height: 300px;
    border-radius: 50%;
    background: rgba(255,255,255,0.03);
}

.cta-strip-content {
    text-align: center;
    color: #fff;
}

.cta-strip h2 {
    font-size: 2rem;
    font-weight: 800;
    margin-bottom: 8px;
}

.cta-strip p {
    opacity: 0.85;
    margin-bottom: 24px;
    font-size: 1.05rem;
}

/* ===== Reviews ===== */
.reviews-section {
    padding: 100px 0;
    background: var(--bg);
}

.reviews-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.review-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 16px;
    padding: 28px;
    transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

.review-card:hover {
    box-shadow: 0 12px 32px rgba(15, 23, 42, 0.1);
    transform: translateY(-3px);
}

.review-stars {
    color: var(--accent);
    font-size: 1.2rem;
    margin-bottom: 12px;
    letter-spacing: 2px;
}

.review-text {
    font-size: 0.93rem;
    color: var(--text);
    margin-bottom: 20px;
    line-height: 1.65;
    font-style: italic;
}

.review-author {
    display: flex;
    align-items: center;
    gap: 12px;
}

.review-avatar {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 0.85rem;
    flex-shrink: 0;
}

.review-author strong {
    display: block;
    font-size: 0.9rem;
}

.review-author span {
    font-size: 0.8rem;
    color: var(--text-light);
}

/* ===== FAQ ===== */
.faq-section {
    padding: 100px 0;
    background: var(--bg-light);
}

.faq-list {
    max-width: 760px;
    margin: 0 auto;
}

.faq-item {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 12px;
    margin-bottom: 10px;
    overflow: hidden;
    transition: all 0.25s ease;
}

.faq-item.active {
    border-color: var(--primary-light);
    box-shadow: 0 4px 16px rgba(30, 64, 175, 0.08);
}

.faq-question {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 20px 24px;
    background: none;
    border: none;
    font-size: 0.98rem;
    font-weight: 600;
    color: var(--text);
    cursor: pointer;
    text-align: left;
    font-family: inherit;
    transition: var(--transition);
    gap: 16px;
}

.faq-question:hover { color: var(--primary); }

.faq-icon {
    font-size: 1.4rem;
    font-weight: 300;
    color: var(--primary);
    transition: transform 0.3s ease;
    flex-shrink: 0;
}

.faq-item.active .faq-icon { transform: rotate(45deg); }

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s ease;
}

.faq-answer p {
    padding: 0 24px 20px;
    color: var(--text-muted);
    font-size: 0.93rem;
    line-height: 1.7;
}

/* ===== Bottom CTA ===== */
.bottom-cta {
    background: linear-gradient(160deg, var(--bg-dark) 0%, #1a2744 50%, var(--primary-dark) 100%);
    padding: 88px 0;
    text-align: center;
    color: #fff;
    position: relative;
    overflow: hidden;
}

.bottom-cta::before {
    content: '';
    position: absolute;
    top: -30%;
    left: 50%;
    transform: translateX(-50%);
    width: 600px;
    height: 600px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(59, 130, 246, 0.12) 0%, transparent 70%);
}

.bottom-cta h2 {
    font-size: 2.2rem;
    font-weight: 800;
    margin-bottom: 12px;
}

.bottom-cta p {
    opacity: 0.85;
    margin-bottom: 32px;
    font-size: 1.08rem;
}

/* ===== Footer ===== */
.footer {
    background: var(--bg-dark);
    color: #CBD5E1;
    padding: 64px 0 32px;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.8fr 1fr 1fr 1fr 1fr;
    gap: 36px;
    margin-bottom: 40px;
}

.footer-brand p {
    margin-top: 16px;
    font-size: 0.88rem;
    line-height: 1.7;
    color: #94A3B8;
}

.footer-brand .logo { color: #fff; }

.footer-badges {
    display: flex;
    gap: 10px;
    margin-top: 20px;
    flex-wrap: wrap;
}

.footer-badge {
    background: rgba(255,255,255,0.06);
    padding: 6px 12px;
    border-radius: var(--radius-xs);
    font-size: 0.78rem;
    font-weight: 500;
}

.footer-links h4 {
    color: #fff;
    font-size: 0.88rem;
    font-weight: 700;
    margin-bottom: 14px;
}

.footer-links h4:not(:first-child) {
    margin-top: 24px;
}

.footer-links ul { list-style: none; }

.footer-links li { margin-bottom: 8px; }

.footer-links a {
    color: #94A3B8;
    font-size: 0.85rem;
    transition: var(--transition);
}

.footer-links a:hover { color: #fff; }

/* TAE Example */
.footer-tae {
    background: rgba(255,255,255,0.04);
    border: 1px solid rgba(255,255,255,0.06);
    border-radius: var(--radius-sm);
    padding: 20px 24px;
    margin-bottom: 24px;
}

.footer-tae h4 {
    color: #CBD5E1;
    font-size: 0.82rem;
    font-weight: 600;
    margin-bottom: 8px;
    text-transform: uppercase;
    letter-spacing: 0.03em;
}

.footer-tae p {
    font-size: 0.8rem;
    color: #64748B;
    line-height: 1.7;
}

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.06);
    padding-top: 24px;
}

.footer-disclaimer p {
    font-size: 0.78rem;
    color: #475569;
    line-height: 1.7;
    margin-bottom: 16px;
}

.footer-bottom-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 16px;
}

.footer-copyright {
    font-size: 0.82rem;
    color: #475569;
}

.footer-social {
    display: flex;
    gap: 12px;
}

.social-link {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: rgba(255,255,255,0.06);
    color: #94A3B8;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.75rem;
    font-weight: 700;
    transition: var(--transition);
}

.social-link:hover {
    background: var(--primary);
    color: #fff;
}

/* ===== Modals ===== */
.modal-overlay {
    position: fixed;
    inset: 0;
    background: rgba(15, 23, 42, 0.55);
    backdrop-filter: blur(6px);
    -webkit-backdrop-filter: blur(6px);
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 2000;
    padding: 24px;
    overflow-y: auto;
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.3s ease, visibility 0.3s ease;
}

.modal-overlay.active {
    opacity: 1;
    visibility: visible;
}

.modal-close {
    position: absolute;
    top: 14px;
    right: 16px;
    background: rgba(255,255,255,0.1);
    border: none;
    width: 44px;
    height: 44px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.4rem;
    cursor: pointer;
    color: #fff;
    opacity: 0.8;
    transition: all 0.2s ease;
    line-height: 1;
    z-index: 10;
}

.modal-close:hover {
    opacity: 1;
    background: rgba(255,255,255,0.2);
    transform: scale(1.05);
}

.modal-card {
    background: #fff;
    border-radius: 20px;
    max-width: 480px;
    width: 100%;
    overflow: hidden;
    position: relative;
    animation: slideUp 0.4s cubic-bezier(0.16, 1, 0.3, 1);
    box-shadow: 0 24px 64px rgba(0,0,0,0.15);
}

@keyframes slideUp {
    from { opacity: 0; transform: translateY(24px) scale(0.98); }
    to { opacity: 1; transform: translateY(0) scale(1); }
}

.modal-header {
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    color: #fff;
    padding: 24px 28px 18px;
    text-align: center;
}

.modal-header h2 {
    font-size: 1.3rem;
    font-weight: 800;
    margin-bottom: 6px;
    letter-spacing: -0.01em;
}

.modal-header p {
    opacity: 0.75;
    font-size: 0.88rem;
}

.modal-summary {
    margin-top: 12px;
    display: inline-flex;
    align-items: center;
    gap: 10px;
    font-size: 0.95rem;
    font-weight: 600;
    background: rgba(255,255,255,0.12);
    padding: 8px 20px;
    border-radius: 100px;
}

.modal-sep { opacity: 0.4; }

.modal-form { padding: 22px 28px; }

.form-group { margin-bottom: 14px; }

.form-group label {
    display: block;
    font-size: 0.84rem;
    font-weight: 600;
    margin-bottom: 7px;
    color: var(--text);
}

.required {
    color: #EF4444;
    font-weight: 700;
}

/* Input with icon */
.input-icon {
    position: relative;
}

.input-svg {
    position: absolute;
    left: 14px;
    top: 50%;
    transform: translateY(-50%);
    pointer-events: none;
    z-index: 1;
}

.input-icon input {
    padding-left: 42px !important;
}

.form-group input {
    width: 100%;
    padding: 12px 16px;
    border: 1.5px solid var(--border);
    border-radius: 10px;
    font-size: 1rem;
    font-family: inherit;
    transition: all 0.2s ease;
    background: #fff;
}

.form-group input::placeholder {
    color: var(--text-light);
}

.form-group input:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 4px rgba(30, 64, 175, 0.08);
}

.form-group input.error {
    border-color: #EF4444;
    box-shadow: 0 0 0 4px rgba(239, 68, 68, 0.06);
}

.form-divider {
    height: 1px;
    background: var(--border);
    margin: 14px 0 12px;
}

.form-checkbox {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    margin-bottom: 10px;
}

.form-checkbox input[type="checkbox"] {
    width: 22px;
    height: 22px;
    margin-top: 2px;
    accent-color: var(--primary);
    flex-shrink: 0;
    cursor: pointer;
    min-width: 22px;
    min-height: 22px;
}

.form-checkbox label {
    font-size: 0.8rem;
    color: var(--text-muted);
    line-height: 1.5;
    cursor: pointer;
}

.form-checkbox a {
    color: var(--primary);
    text-decoration: underline;
    text-underline-offset: 2px;
}

.btn-form-submit {
    margin-top: 12px;
    padding: 14px;
    font-size: 0.95rem;
    border-radius: 12px;
}

.form-skip {
    display: block;
    width: 100%;
    background: none;
    border: none;
    color: var(--text-muted);
    font-size: 0.85rem;
    font-weight: 500;
    cursor: pointer;
    padding: 12px;
    margin-top: 4px;
    font-family: inherit;
    transition: var(--transition);
}

.form-skip:hover {
    color: var(--primary);
}

/* Loading Modal */
.loading-card {
    background: #fff;
    border-radius: 20px;
    max-width: 400px;
    width: 100%;
    padding: 48px 36px 36px;
    text-align: center;
    animation: fadeScaleIn 0.35s cubic-bezier(0.16, 1, 0.3, 1);
    box-shadow: 0 24px 64px rgba(0,0,0,0.15);
}

@keyframes fadeScaleIn {
    from { opacity: 0; transform: scale(0.92); }
    to { opacity: 1; transform: scale(1); }
}

/* Circular percentage ring */
.loading-ring {
    position: relative;
    width: 110px;
    height: 110px;
    margin: 0 auto 24px;
}

.loading-ring svg {
    width: 100%;
    height: 100%;
    transform: rotate(-90deg);
}

.ring-bg {
    fill: none;
    stroke: #EEF2FF;
    stroke-width: 8;
}

.ring-fill {
    fill: none;
    stroke: url(#ringGradient);
    stroke-width: 8;
    stroke-linecap: round;
    stroke-dasharray: 326.73;
    stroke-dashoffset: 326.73;
    transition: stroke-dashoffset 0.15s ease;
}

.ring-pct {
    position: absolute;
    inset: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--primary);
    letter-spacing: -0.02em;
}

.loading-card h3 {
    font-size: 1rem;
    font-weight: 600;
    margin-bottom: 24px;
    color: var(--text);
    min-height: 1.4em;
}

.loading-steps {
    text-align: left;
    display: flex;
    flex-direction: column;
    gap: 12px;
    margin-bottom: 20px;
}

.loading-step {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 0.88rem;
    color: var(--text-light);
    transition: all 0.35s ease;
}

.loading-step.active {
    color: var(--primary);
    font-weight: 600;
}

.loading-step.done {
    color: var(--success);
}

.ls-dot {
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: var(--border);
    flex-shrink: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all 0.35s ease;
    font-size: 0.65rem;
    color: transparent;
}

.ls-dot::after { content: '✓'; }

.loading-step.active .ls-dot {
    background: var(--primary);
    color: #fff;
    box-shadow: 0 0 0 4px rgba(30, 64, 175, 0.15);
}

.loading-step.done .ls-dot {
    background: var(--success);
    color: #fff;
}

.loading-secure {
    font-size: 0.8rem;
    color: var(--text-light);
}

/* Form trust row */
.form-trust {
    display: flex;
    justify-content: center;
    gap: 16px;
    margin-top: 12px;
    font-size: 0.78rem;
    color: var(--text-light);
    flex-wrap: wrap;
}

/* Phone input with prefix */
.input-phone {
    display: flex;
    align-items: center;
    border: 1.5px solid var(--border);
    border-radius: 10px;
    background: #fff;
    transition: all 0.2s ease;
    overflow: hidden;
}

.input-phone:focus-within {
    border-color: var(--primary);
    box-shadow: 0 0 0 4px rgba(30, 64, 175, 0.08);
}

.phone-prefix {
    padding: 12px 0 12px 14px;
    font-size: 0.95rem;
    color: var(--text-muted);
    font-weight: 600;
    user-select: none;
    flex-shrink: 0;
    border-right: 1px solid var(--border);
    padding-right: 12px;
    margin-right: 2px;
}

.input-phone input {
    border: none !important;
    background: transparent !important;
    box-shadow: none !important;
    padding-left: 12px !important;
}

/* Offers Modal */
.offers-card {
    background: #fff;
    border-radius: 20px;
    max-width: 600px;
    width: 100%;
    overflow: hidden;
    position: relative;
    animation: slideUp 0.4s cubic-bezier(0.16, 1, 0.3, 1);
    max-height: 92vh;
    overflow-y: auto;
    scrollbar-width: none;
    box-shadow: 0 24px 64px rgba(0,0,0,0.15);
}

.offers-card::-webkit-scrollbar {
    display: none;
}

.offers-header {
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    color: #fff;
    padding: 28px 28px 20px;
    text-align: center;
}

.offers-header h2 {
    font-size: 1.4rem;
    font-weight: 800;
    margin-bottom: 4px;
}

.offers-header-sub {
    font-size: 0.88rem;
    opacity: 0.8;
    margin-bottom: 14px;
}

.offers-summary {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    font-size: 0.95rem;
    font-weight: 600;
    background: rgba(255,255,255,0.15);
    padding: 8px 20px;
    border-radius: 100px;
}

.offers-list {
    padding: 20px;
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.offer-card {
    border: 1.5px solid var(--border);
    border-radius: 14px;
    padding: 24px;
    transition: all 0.25s ease;
    position: relative;
    background: #fff;
}

.offer-card:hover {
    border-color: var(--primary-light);
    box-shadow: 0 8px 28px rgba(30, 64, 175, 0.1);
    transform: translateY(-2px);
}

.offer-card.recommended {
    border-color: var(--accent);
    border-width: 2px;
    box-shadow: 0 4px 24px rgba(245, 158, 11, 0.15);
}

.offer-rec-badge {
    position: absolute;
    top: -11px;
    left: 20px;
    background: linear-gradient(135deg, var(--accent), var(--accent-hover));
    color: #fff;
    font-size: 0.75rem;
    font-weight: 700;
    padding: 4px 14px;
    border-radius: 100px;
    letter-spacing: 0.02em;
    text-transform: uppercase;
}

.offer-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 12px;
}

.offer-logo {
    height: 34px;
    width: auto;
    max-width: 130px;
    object-fit: contain;
}

.offer-promo {
    background: rgba(5, 150, 105, 0.1);
    color: var(--success);
    padding: 5px 12px;
    border-radius: 100px;
    font-size: 0.75rem;
    font-weight: 600;
    white-space: nowrap;
}

.offer-usp {
    font-size: 0.88rem;
    color: var(--text-muted);
    line-height: 1.55;
    margin-bottom: 16px;
}

.offer-details {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 8px;
    margin-bottom: 18px;
}

.offer-detail {
    text-align: center;
    padding: 10px 6px;
    background: var(--bg-light);
    border-radius: var(--radius-xs);
    border: 1px solid var(--border);
}

.offer-detail-label {
    display: block;
    font-size: 0.75rem;
    color: var(--text-light);
    text-transform: uppercase;
    letter-spacing: 0.03em;
    font-weight: 500;
    margin-bottom: 4px;
}

.offer-detail-value {
    display: block;
    font-size: 0.88rem;
    font-weight: 700;
    color: var(--text);
}

.offer-detail-highlight {
    color: var(--success) !important;
}

.offer-cta {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    width: 100%;
    padding: 14px;
    background: linear-gradient(135deg, #F59E0B 0%, #E88E00 100%);
    color: #fff;
    border: none;
    border-radius: 10px;
    font-size: 0.95rem;
    font-weight: 700;
    cursor: pointer;
    transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
    box-shadow: 0 3px 12px rgba(245, 158, 11, 0.3), inset 0 1px 0 rgba(255,255,255,0.15);
    text-decoration: none;
    font-family: inherit;
}

.offer-cta:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(245, 158, 11, 0.4), inset 0 1px 0 rgba(255,255,255,0.15);
    color: #fff;
}

.offer-cta:active {
    transform: translateY(0);
}

.offer-legal {
    font-size: 0.75rem;
    color: var(--text-light);
    line-height: 1.5;
    margin-top: 12px;
}

.offers-disclaimer {
    padding: 4px 20px 20px;
    font-size: 0.75rem;
    color: var(--text-light);
    text-align: center;
    line-height: 1.5;
}

/* ===== Responsive ===== */

/* --- Tablet --- */
@media (max-width: 1024px) {
    .container { padding: 0 20px; }

    .hero-container {
        grid-template-columns: 1fr;
        gap: 36px;
    }
    .hero h1 { font-size: 2.2rem; }
    .hero-content { text-align: center; }
    .hero-subtitle { margin: 0 auto 24px; }
    .hero-pills { justify-content: center; }
    .hero-trust-row { justify-content: center; }
    .calculator-card { max-width: 520px; margin: 0 auto; }

    .steps-grid { flex-wrap: wrap; gap: 20px; }
    .step-arrow { display: none; }
    .step-card { flex: 0 0 calc(50% - 10px); max-width: none; }

    .benefits-grid { grid-template-columns: repeat(2, 1fr); }

    .footer-grid { grid-template-columns: 1fr 1fr 1fr; }
    .footer-brand { grid-column: 1 / -1; }

    .content-grid { grid-template-columns: 1fr; }
    .sidebar-card { position: static; }

    .dropdown-menu { min-width: 360px; max-width: calc(100vw - 48px); }

    .page-hero h1 { font-size: 2rem; }
}

/* --- Mobile --- */
@media (max-width: 768px) {
    .container { padding: 0 16px; }

    /* Global overflow prevention */
    .content-grid { grid-template-columns: 1fr; gap: 32px; }
    .content-main, .content-sidebar { min-width: 0; max-width: 100%; }
    .sidebar-card { position: static; }
    nav.toc { padding: 16px 18px; }
    nav.toc li { font-size: 0.82rem; }
    .hero-bg-shapes { display: none; }
    .cta-strip::before, .cta-strip::after, .bottom-cta::before { display: none; }

    /* Navbar */
    .nav-links, .nav-cta { display: none; }
    .dropdown-menu { display: none; }
    .mobile-menu-btn { display: flex; }
    .nav-container { height: 64px; }
    .logo { font-size: 1.3rem; }

    /* Hero */
    .hero { padding: 88px 0 48px; }
    .hero h1 { font-size: 1.85rem; line-height: 1.18; }
    .hero-subtitle { font-size: 0.98rem; }
    .hero-badge { font-size: 0.78rem; padding: 6px 14px; }
    .hero-pills { gap: 6px; }
    .pill { font-size: 0.76rem; padding: 6px 12px; }
    .hero-trust-row {
        flex-direction: column;
        align-items: center;
        gap: 8px;
    }

    /* Calculator */
    .calculator-header { padding: 20px 24px; }
    .calculator-header h2 { font-size: 1.1rem; }
    .calculator-body { padding: 24px; }
    .slider-value { font-size: 1.3rem; }
    .slider-label { font-size: 0.85rem; }

    /* Stats */
    .stats-section { margin-top: -28px; }
    .stats-grid { grid-template-columns: repeat(2, 1fr); }
    .stat-item { padding: 20px 16px; }
    .stat-number { font-size: 1.5rem; }
    .stat-label { font-size: 0.8rem; }
    .stat-item:nth-child(2) { border-right: none; }
    .stat-item:nth-child(1),
    .stat-item:nth-child(2) { border-bottom: 1px solid var(--border); }

    /* Partners */
    .partners-section { padding: 32px 0; }
    .partners-grid { gap: 16px; }
    .partner-img { height: 28px; }

    /* Sections */
    .how-it-works, .benefits-section, .reviews-section, .faq-section { padding: 64px 0; }
    .section-header { margin-bottom: 40px; }
    .section-header h2 { font-size: 1.6rem; }
    .section-header p { font-size: 0.92rem; }
    .section-badge { font-size: 0.75rem; padding: 5px 14px; }

    /* Steps */
    .step-card { flex: 0 0 100%; padding: 28px 20px 24px; }
    .step-icon { font-size: 2rem; }

    /* Benefits */
    .benefits-grid { grid-template-columns: 1fr; gap: 12px; }
    .benefit-card { padding: 24px; }

    /* Table */
    .comparison-section { padding: 64px 0; }
    .table-wrapper { border-radius: 10px; margin: 0 -4px; }
    .comparison-table { font-size: 0.78rem; min-width: 480px; }
    .comparison-table th, .comparison-table td { padding: 10px 10px; }
    .table-logo { height: 20px; }
    .table-cta { padding: 10px 16px; font-size: 0.78rem; min-height: 44px; display: inline-flex; align-items: center; justify-content: center; }
    .td-lender { gap: 6px; }

    /* Requirements */
    .requirements-section { padding: 64px 0; }
    .requirements-grid { grid-template-columns: repeat(2, 1fr); gap: 12px; }
    .req-card { padding: 20px; }
    .req-icon { font-size: 1.6rem; }
    .req-card h3 { font-size: 0.88rem; }
    .req-card p { font-size: 0.8rem; }

    /* CTA */
    .cta-strip { padding: 48px 0; }
    .cta-strip h2 { font-size: 1.5rem; }
    .cta-strip p { font-size: 0.92rem; }
    .bottom-cta { padding: 60px 0; }
    .bottom-cta h2 { font-size: 1.5rem; }
    .bottom-cta p { font-size: 0.95rem; }

    /* Reviews */
    .reviews-grid { grid-template-columns: 1fr; gap: 12px; }
    .review-card { padding: 22px; }

    /* FAQ */
    .faq-question { padding: 16px 20px; font-size: 0.92rem; min-height: 44px; }
    .faq-answer p { padding: 0 20px 16px; font-size: 0.88rem; }

    /* Footer */
    .footer { padding: 48px 0 24px; }
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 24px; }
    .footer-brand { grid-column: 1 / -1; }
    .footer-brand p { font-size: 0.84rem; }
    .footer-links h4 { font-size: 0.82rem; margin-bottom: 10px; }
    .footer-links li { margin-bottom: 4px; }
    .footer-links a { font-size: 0.82rem; display: block; padding: 6px 0; min-height: 36px; }
    .footer-tae { padding: 16px 18px; }
    .footer-tae p { font-size: 0.75rem; }

    /* Form */
    .modal-form { padding: 22px; }
    .modal-header { padding: 28px 22px 20px; }
    .modal-header h2 { font-size: 1.15rem; }
    .modal-summary { font-size: 0.88rem; padding: 6px 16px; }
    .form-group { margin-bottom: 14px; }
    .form-group label { font-size: 0.88rem; }
    .form-group input { font-size: 1rem; }
    .form-trust { gap: 10px; }

    /* Offers modal */
    .offer-details { grid-template-columns: repeat(2, 1fr); }
    .offers-header { padding: 24px 20px 16px; }
    .offers-header h2 { font-size: 1.2rem; }
    .offers-list { padding: 16px; gap: 14px; }
    .offer-card { padding: 20px; }
    .offer-logo { height: 28px; }
    .offer-usp { font-size: 0.82rem; }
    .offer-detail { padding: 8px 4px; }
    .offer-detail-label { font-size: 0.75rem; }
    .offer-detail-value { font-size: 0.8rem; }
    .offer-cta { padding: 12px; font-size: 0.9rem; min-height: 44px; }
    .offer-legal { font-size: 0.75rem; }

    /* Loading */
    .loading-card { padding: 36px 28px 28px; }
    .loading-ring { width: 90px; height: 90px; }
    .ring-pct { font-size: 1.2rem; }
    .loading-card h3 { font-size: 0.92rem; }
    .loading-step { font-size: 0.82rem; }

    /* Content pages */
    .page-hero { padding: 28px 0 36px; }
    .page-hero h1 { font-size: 1.5rem; line-height: 1.25; }
    .page-hero-sub { font-size: 0.9rem; }
    .page-hero-content { max-width: 100%; }
    .breadcrumbs { padding-top: 68px; }
    .breadcrumbs .container { padding-top: 12px; padding-bottom: 12px; font-size: 0.78rem; }
    .content-section { padding: 40px 0; }
    .content-main h2 { font-size: 1.3rem; }
    .content-main h3 { font-size: 1.02rem; }
    .content-main p, .content-main li { font-size: 0.9rem; }
    .legal-content { max-width: 100%; }
    .legal-content h2 { font-size: 1.2rem; }
    .legal-content p, .legal-content li { font-size: 0.88rem; }

    /* Cookie */
    .cookie-content { flex-direction: column; gap: 16px; }
    .cookie-content p { font-size: 0.8rem; min-width: auto; }
    .cookie-actions { width: 100%; }
    .cookie-btn { flex: 1; padding: 12px 14px; font-size: 0.82rem; min-height: 44px; }
}

/* --- Small mobile --- */
@media (max-width: 400px) {
    .hero h1 { font-size: 1.55rem; }
    .hero-subtitle { font-size: 0.9rem; }
    .hero-pills { gap: 5px; }
    .pill { font-size: 0.75rem; padding: 5px 10px; }

    .stats-grid { grid-template-columns: 1fr 1fr; }
    .stat-item { padding: 16px 12px; }
    .stat-number { font-size: 1.3rem; }
    .stat-label { font-size: 0.75rem; }

    .section-header h2 { font-size: 1.4rem; }

    .footer-grid { grid-template-columns: 1fr; gap: 20px; }
    .footer-badges { gap: 6px; }
    .footer-badge { font-size: 0.75rem; padding: 4px 10px; }

    .requirements-grid { grid-template-columns: 1fr; }

    .modal-card, .loading-card, .offers-card {
        margin: 8px;
        border-radius: 16px;
    }
    .modal-close { top: 8px; right: 8px; width: 44px; height: 44px; font-size: 1.3rem; }

    .calculator-body { padding: 20px; }
    .calculator-header { padding: 18px 20px; }
    .slider-value { font-size: 1.2rem; }

    .btn-primary { padding: 14px 24px; font-size: 0.92rem; }
    .btn-lg { padding: 16px 28px; font-size: 1rem; }

    .cta-strip h2, .bottom-cta h2 { font-size: 1.3rem; }
    .cta-strip p, .bottom-cta p { font-size: 0.88rem; }

    .page-hero h1 { font-size: 1.4rem; }
    .page-hero-sub { font-size: 0.88rem; }

    .offer-details { grid-template-columns: repeat(2, 1fr); gap: 6px; }
    .offer-card { padding: 16px; }
    .offer-rec-badge { font-size: 0.75rem; padding: 3px 10px; top: -9px; left: 14px; }
}

/* ===== Breadcrumbs ===== */
.breadcrumbs {
    padding: 88px 0 0;
    background: var(--bg-light);
}

.breadcrumbs .container {
    padding-top: 16px;
    padding-bottom: 16px;
    font-size: 0.82rem;
    color: var(--text-light);
    display: flex;
    align-items: center;
    gap: 8px;
    flex-wrap: wrap;
    overflow-wrap: break-word;
    word-break: break-word;
}

.breadcrumbs a {
    color: var(--text-muted);
    transition: var(--transition);
}

.breadcrumbs a:hover {
    color: var(--primary);
}

/* ===== Page Hero (Landing Pages) ===== */
.page-hero {
    background: linear-gradient(135deg, #EFF6FF 0%, #F8FAFC 100%);
    padding: 40px 0 48px;
    border-bottom: 1px solid var(--border);
}

.page-hero-content {
    max-width: 780px;
}

.page-hero h1 {
    font-size: 2.4rem;
    font-weight: 800;
    margin-bottom: 16px;
    letter-spacing: -0.02em;
    line-height: 1.2;
}

.page-hero-sub {
    font-size: 1.08rem;
    color: var(--text-muted);
    line-height: 1.7;
    margin-bottom: 16px;
}

.page-hero-meta {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 0.82rem;
    color: var(--text-light);
    flex-wrap: wrap;
}

/* ===== Table of Contents (nav.toc from generated pages) ===== */
nav.toc {
    background: var(--bg-light);
    border: 1px solid var(--border);
    border-radius: 12px;
    padding: 20px 24px;
    margin-bottom: 28px;
    overflow: hidden;
}

nav.toc strong {
    display: block;
    font-size: 0.9rem;
    margin-bottom: 10px;
}

nav.toc ul {
    margin: 0;
    padding-left: 18px;
}

nav.toc li {
    margin-bottom: 5px;
    font-size: 0.88rem;
    line-height: 1.5;
}

nav.toc a {
    color: var(--primary);
    font-weight: 500;
    overflow-wrap: break-word;
    word-break: break-word;
}

nav.toc a:hover {
    text-decoration: underline;
}

/* ===== Table of Contents (toc-box) ===== */
.toc-box {
    background: var(--bg-light);
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    padding: 24px;
    margin-bottom: 32px;
}

.toc-box h3 {
    font-size: 0.95rem;
    font-weight: 700;
    margin-bottom: 12px;
}

.toc-box ol {
    padding-left: 20px;
    margin: 0;
}

.toc-box li {
    margin-bottom: 6px;
    font-size: 0.9rem;
}

.toc-box a {
    color: var(--primary);
    font-weight: 500;
    transition: var(--transition);
}

.toc-box a:hover {
    text-decoration: underline;
}

/* ===== Related Links (Sidebar) ===== */
.related-links {
    list-style: none;
}

.related-links li {
    border-bottom: 1px solid var(--border);
}

.related-links li:last-child {
    border-bottom: none;
}

.related-links a {
    display: block;
    padding: 12px 0;
    color: var(--text-muted);
    font-size: 0.88rem;
    font-weight: 500;
    transition: var(--transition);
    min-height: 44px;
    display: flex;
    align-items: center;
}

.related-links a:hover {
    color: var(--primary);
    padding-left: 4px;
}

/* ===== Landing page content adjustments ===== */
.content-main ol {
    margin: 16px 0;
    padding-left: 20px;
}

.content-main ol li {
    color: var(--text-muted);
    margin-bottom: 10px;
    line-height: 1.6;
    font-size: 0.95rem;
}

.content-main ol li strong {
    color: var(--text);
}

/* ===== Legal Content Pages ===== */
.legal-content {
    max-width: 780px;
}

.legal-content h2 {
    font-size: 1.4rem;
    font-weight: 700;
    margin-top: 36px;
    margin-bottom: 12px;
    letter-spacing: -0.01em;
}

.legal-content h3 {
    font-size: 1.1rem;
    font-weight: 600;
    margin-top: 24px;
    margin-bottom: 10px;
}

.legal-content p {
    color: var(--text-muted);
    margin-bottom: 14px;
    line-height: 1.8;
    font-size: 0.93rem;
}

.legal-content ul, .legal-content ol {
    margin: 12px 0 16px;
    padding-left: 20px;
}

.legal-content li {
    color: var(--text-muted);
    margin-bottom: 8px;
    line-height: 1.6;
    font-size: 0.93rem;
}

.legal-content strong {
    color: var(--text);
}

.legal-content a {
    color: var(--primary);
    text-decoration: underline;
}

.legal-content table {
    font-size: 0.88rem;
    width: 100%;
    display: block;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
}

/* ===== Blog Grid ===== */
.blog-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
}

.blog-card {
    display: block;
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 28px;
    transition: var(--transition);
    color: var(--text);
}

.blog-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
    border-color: var(--primary-light);
}

.blog-card h2 {
    font-size: 1.1rem;
    font-weight: 700;
    margin-bottom: 10px;
    line-height: 1.4;
}

.blog-card p {
    font-size: 0.9rem;
    color: var(--text-muted);
    line-height: 1.6;
    margin-bottom: 12px;
}

.blog-meta {
    font-size: 0.8rem;
    color: var(--text-light);
    font-weight: 500;
}

/* Single column content */
.content-grid.single-col {
    grid-template-columns: 1fr;
}

@media (max-width: 768px) {
    .blog-grid { grid-template-columns: 1fr; }
    .toc { font-size: 0.85rem; }
    .toc ul { padding-left: 16px; }
}