/* ============================================================
   PLAIN GREEN LOANS OFFER — Main Stylesheet
   Design: Forest Authority — Deep green trust palette
   Fonts: Inter (body) + Playfair Display (display)
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700&family=Playfair+Display:wght@700;800&display=swap');

/* ─── CSS Variables ─── */
:root {
  --primary:       #0D2B1A;
  --secondary:     #1A5C38;
  --accent:        #3DB87A;
  --accent-dark:   #2E9962;
  --accent-light:  #E8F7EF;
  --bg:            #F8FAF9;
  --white:         #FFFFFF;
  --text:          #1C2B22;
  --text-muted:    #4A6358;
  --border:        #D1E8DB;
  --warning:       #D97706;
  --warning-bg:    #FFFBEB;
  --danger:        #DC2626;
  --shadow-sm:     0 1px 3px rgba(13,43,26,.08);
  --shadow-md:     0 4px 16px rgba(13,43,26,.12);
  --shadow-lg:     0 12px 40px rgba(13,43,26,.16);
  --radius:        10px;
  --radius-lg:     18px;
  --transition:    0.22s ease;
  --max-w:         1140px;
}

/* ─── Reset ─── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Inter', system-ui, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--accent-dark); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--accent); }

/* ─── Typography ─── */
h1,h2,h3,h4,h5,h6 {
  font-family: 'Playfair Display', Georgia, serif;
  line-height: 1.2;
  color: var(--primary);
  font-weight: 700;
}
h1 { font-size: clamp(2rem, 5vw, 3.2rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); }
h4 { font-size: 1.15rem; font-family: 'Inter', sans-serif; font-weight: 700; }
p { margin-bottom: 1rem; color: var(--text-muted); }
p:last-child { margin-bottom: 0; }

/* ─── Layout Utilities ─── */
.container { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }
.section { padding: 72px 0; }
.section-sm { padding: 48px 0; }
.section-lg { padding: 100px 0; }
.text-center { text-align: center; }
.text-left   { text-align: left; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.flex { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.flex-between { display: flex; align-items: center; justify-content: space-between; }
.gap-16 { gap: 16px; }
.gap-24 { gap: 24px; }
.mt-8  { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-40 { margin-top: 40px; }
.mb-8  { margin-bottom: 8px; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-40 { margin-bottom: 40px; }

/* ─── Buttons ─── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: 50px;
  font-family: 'Inter', sans-serif;
  font-size: .95rem;
  font-weight: 600;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all var(--transition);
  text-align: center;
  white-space: nowrap;
}
.btn-primary {
  background: var(--accent);
  color: var(--white);
  box-shadow: 0 4px 14px rgba(61,184,122,.35);
}
.btn-primary:hover {
  background: var(--accent-dark);
  color: var(--white);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(61,184,122,.45);
}
.btn-outline {
  background: transparent;
  color: var(--accent);
  border-color: var(--accent);
}
.btn-outline:hover {
  background: var(--accent);
  color: var(--white);
}
.btn-white {
  background: var(--white);
  color: var(--primary);
}
.btn-white:hover {
  background: var(--accent-light);
  color: var(--secondary);
}
.btn-lg { padding: 18px 44px; font-size: 1.05rem; }
.btn-sm { padding: 10px 22px; font-size: .85rem; }

/* ─── Section Labels / Eyebrow ─── */
.eyebrow {
  display: inline-block;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 12px;
}
.section-title { margin-bottom: 16px; }
.section-subtitle { font-size: 1.1rem; color: var(--text-muted); max-width: 620px; margin: 0 auto 48px; }

/* ═══════════════════════════════════════════════════════════════
   FLOATING "APPLY NOW" BUTTON (Mobile & Tablet FAB)
   Fixed bottom-right, appears on scroll, mobile+tablet only
   ═══════════════════════════════════════════════════════════════ */
.fab-apply {
  position: fixed;
  bottom: 20px;
  right: 20px;
  z-index: 998;
  display: none; /* hidden by default; JS toggles .visible */
  align-items: center;
  gap: 8px;
  padding: 14px 22px;
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%);
  color: var(--white);
  font-family: 'Inter', sans-serif;
  font-size: .95rem;
  font-weight: 700;
  border-radius: 50px;
  text-decoration: none;
  box-shadow: 0 8px 32px rgba(61,184,122,.45), 0 2px 8px rgba(0,0,0,.15);
  transition: transform .25s ease, box-shadow .25s ease, opacity .3s ease;
  opacity: 0;
  transform: translateY(80px) scale(.9);
  pointer-events: none;
  border: 2px solid rgba(255,255,255,.15);
}
.fab-apply.visible {
  opacity: 1;
  transform: translateY(0) scale(1);
  pointer-events: auto;
  animation: fabPulse 3s ease-in-out infinite;
}
.fab-apply:hover {
  transform: translateY(-3px) scale(1.03);
  box-shadow: 0 12px 40px rgba(61,184,122,.55), 0 4px 12px rgba(0,0,0,.2);
  color: var(--white);
}
.fab-apply:active {
  transform: translateY(-1px) scale(1);
}
.fab-apply::before {
  content: '⚡';
  font-size: 1.15rem;
  animation: fabFlash 2s ease-in-out infinite;
}
@keyframes fabPulse {
  0%, 100% { box-shadow: 0 8px 32px rgba(61,184,122,.45), 0 2px 8px rgba(0,0,0,.15); }
  50%      { box-shadow: 0 8px 32px rgba(61,184,122,.75), 0 2px 8px rgba(0,0,0,.15), 0 0 0 6px rgba(61,184,122,.15); }
}
@keyframes fabFlash {
  0%, 100% { transform: rotate(0deg); opacity: 1; }
  50%      { transform: rotate(-12deg); opacity: .7; }
}

/* Show FAB only on mobile & tablet — hide on desktop */
@media (max-width: 1024px) {
  .fab-apply { display: inline-flex; }
}
/* Small mobile: slightly smaller FAB */
@media (max-width: 420px) {
  .fab-apply {
    bottom: 16px;
    right: 16px;
    padding: 12px 18px;
    font-size: .88rem;
  }
}

/* ─── Navigation Dropdown ─── */
.nav-dropdown-wrap {
  position: relative;
}
.nav-dropdown-toggle {
  display: flex !important;
  align-items: center;
  gap: 5px;
  cursor: pointer;
}
.nav-arrow {
  font-size: .65rem;
  transition: transform var(--transition);
  display: inline-block;
  margin-top: 1px;
}
.nav-dropdown-wrap:hover .nav-arrow,
.nav-dropdown-wrap.open .nav-arrow {
  transform: rotate(180deg);
}
.nav-dropdown {
  position: absolute;
  top: calc(100% + 10px);
  left: 50%;
  transform: translateX(-50%) translateY(-6px);
  background: var(--primary);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: 12px;
  padding: 8px;
  min-width: 210px;
  list-style: none;
  opacity: 0;
  visibility: hidden;
  transition: opacity .18s ease, transform .18s ease, visibility .18s;
  box-shadow: 0 12px 36px rgba(0,0,0,.35);
  z-index: 1010;
  pointer-events: none;
}
/* Arrow tip */
.nav-dropdown::before {
  content: '';
  position: absolute;
  top: -6px;
  left: 50%;
  transform: translateX(-50%);
  width: 12px; height: 12px;
  background: var(--primary);
  border-left: 1px solid rgba(255,255,255,.1);
  border-top: 1px solid rgba(255,255,255,.1);
  rotate: 45deg;
}
.nav-dropdown-wrap:hover .nav-dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
  pointer-events: auto;
}
.nav-dropdown li a {
  display: flex !important;
  align-items: center;
  gap: 10px;
  padding: 9px 14px !important;
  border-radius: 8px !important;
  font-size: .85rem !important;
  color: rgba(255,255,255,.8) !important;
  background: transparent !important;
  transition: background var(--transition), color var(--transition) !important;
}
.nav-dropdown li a:hover {
  background: rgba(255,255,255,.1) !important;
  color: var(--white) !important;
}
.nav-dropdown li a .dd-icon {
  font-size: .9rem;
  width: 20px;
  text-align: center;
  flex-shrink: 0;
}
/* Divider inside dropdown */
.nav-dropdown .dd-divider {
  height: 1px;
  background: rgba(255,255,255,.08);
  margin: 6px 8px;
}

/* ─── Navigation ─── */
.navbar {
  background: var(--primary);
  position: relative;
  z-index: 100;
  box-shadow: 0 2px 12px rgba(0,0,0,.25);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--white);
  font-family: 'Playfair Display', serif;
  font-size: 1.25rem;
  font-weight: 700;
  text-decoration: none;
}
.nav-logo:hover { color: var(--accent); }
.logo-icon {
  width: 36px; height: 36px;
  background: var(--accent);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; color: white;
}
.nav-menu {
  display: flex;
  align-items: center;
  gap: 4px;
  list-style: none;
}
.nav-menu a {
  color: rgba(255,255,255,.8);
  font-size: .88rem;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: 6px;
  transition: all var(--transition);
}
.nav-menu a:hover { color: var(--white); background: rgba(255,255,255,.1); }
.nav-menu a.active { color: var(--accent); }
.nav-cta { margin-left: 12px; }
.nav-cta a {
  background: var(--accent);
  color: var(--white) !important;
  padding: 9px 20px;
  border-radius: 50px;
  font-weight: 600;
}
.nav-cta a:hover { background: var(--accent-dark) !important; }
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 4px;
}
.hamburger span {
  display: block; width: 24px; height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all var(--transition);
}

/* ─── Hero ─── */
.hero {
  position: relative;
  overflow: hidden;
  padding: 100px 0 80px;
  color: var(--white);
  /* Photo background — fallback color if image fails */
  background-color: #0A2415;
}
/* Photo layer */
.hero-photo-bg {
  position: absolute; inset: 0;
  background-image: url('../img/hero-bg.webp');
  background-size: cover;
  background-position: center 40%;
  background-repeat: no-repeat;
}
/* Dark gradient overlay — ensures text is always readable */
.hero-overlay {
  position: absolute; inset: 0;
  background:
    linear-gradient(
      105deg,
      rgba(7,24,14,.92)  0%,
      rgba(10,36,20,.82) 45%,
      rgba(6,22,12,.65)  100%
    );
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}
/* Brand name highlight in hero */
.hero-brand-highlight {
  color: var(--accent);
  display: inline-block;
  position: relative;
  /* Glowing underline effect */
  text-shadow:
    0 0 40px rgba(61,184,122,.55),
    0 0 80px rgba(61,184,122,.25);
  font-style: italic;
}
/* Animated accent underline */
.hero-brand-highlight::after {
  content: '';
  display: block;
  height: 4px;
  border-radius: 2px;
  background: linear-gradient(90deg, var(--accent), #52D99A, var(--accent));
  margin-top: 4px;
  animation: shimmer 2.8s ease-in-out infinite;
  background-size: 200% 100%;
}
@keyframes shimmer {
  0%   { background-position: -200% 0; opacity: .85; }
  50%  { background-position: 200%  0; opacity: 1; }
  100% { background-position: -200% 0; opacity: .85; }
}
/* Hero z-index fix for all children */
.hero-grid { position: relative; z-index: 1; }
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(61,184,122,.2);
  border: 1px solid rgba(61,184,122,.4);
  border-radius: 50px;
  padding: 6px 16px;
  font-size: .8rem;
  font-weight: 600;
  letter-spacing: .08em;
  color: var(--accent);
  margin-bottom: 20px;
}
.hero h1 { color: var(--white); margin-bottom: 20px; }
.hero h1 span { color: var(--accent); }
.hero-desc { font-size: 1.1rem; color: rgba(255,255,255,.75); margin-bottom: 32px; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }
.hero-stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-top: 40px;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,.1);
}
.hero-stat-num { font-size: 1.65rem; font-weight: 700; color: var(--accent); font-family: 'Inter', sans-serif; line-height: 1.15; white-space: nowrap; }
.hero-stat-label { font-size: .75rem; color: rgba(255,255,255,.55); margin-top: 4px; line-height: 1.3; }
/* Hero card (right side) */
.hero-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-lg);
}
.hero-card-title {
  font-family: 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 20px;
}
.loan-range-bar {
  background: var(--accent-light);
  border-radius: 50px;
  height: 8px;
  position: relative;
  margin: 12px 0 8px;
}
.loan-range-fill {
  background: linear-gradient(90deg, var(--accent), var(--secondary));
  height: 100%;
  border-radius: 50px;
  width: 75%;
}
.range-labels { display: flex; justify-content: space-between; font-size: .78rem; color: var(--text-muted); }
.loan-feature {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 0;
  border-bottom: 1px solid var(--border);
  font-size: .9rem;
  color: var(--text);
}
.loan-feature:last-of-type { border-bottom: none; }
.feat-icon { width: 28px; height: 28px; background: var(--accent-light); border-radius: 6px; display: flex; align-items: center; justify-content: center; font-size: .85rem; flex-shrink: 0; }

/* ─── Quick Answer Box (Featured Snippet target) ─── */
.quick-answer {
  background: linear-gradient(135deg, var(--white) 0%, var(--accent-light) 100%);
  border-left: 5px solid var(--accent);
  border-radius: var(--radius-lg);
  padding: 32px 40px;
  box-shadow: var(--shadow-md);
  position: relative;
  max-width: 900px;
  margin: 0 auto;
}
.quick-answer-label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--primary);
  color: var(--accent);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 50px;
  margin-bottom: 16px;
}
.quick-answer h2 {
  font-family: 'Inter', sans-serif;
  font-size: 1.35rem;
  color: var(--primary);
  margin-bottom: 12px;
  font-weight: 700;
}
.quick-answer-body {
  font-size: 1.02rem;
  line-height: 1.75;
  color: var(--text);
  margin-bottom: 20px;
}
.quick-answer-body strong { color: var(--primary); }
.quick-answer-facts {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  padding-top: 20px;
  border-top: 1px solid var(--border);
}
.qa-fact { text-align: center; }
.qa-fact-val {
  font-family: 'Inter', sans-serif;
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--secondary);
}
.qa-fact-label {
  font-size: .72rem;
  color: var(--text-muted);
  margin-top: 2px;
}

/* ─── Table of Contents (Sitelinks target) ─── */
.toc-box {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 32px;
  box-shadow: var(--shadow-sm);
  max-width: 900px;
  margin: 0 auto;
}
.toc-box-label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--accent);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  margin-bottom: 8px;
}
.toc-box-title {
  font-family: 'Inter', sans-serif;
  font-size: 1.05rem;
  color: var(--primary);
  font-weight: 700;
  margin-bottom: 20px;
}
.toc-jump-links {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
  gap: 8px;
  list-style: none;
  padding: 0;
}
.toc-jump-links a {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 12px 14px;
  border-radius: 8px;
  font-size: .88rem;
  color: var(--text);
  background: var(--bg);
  border: 1px solid var(--border);
  text-decoration: none;
  font-weight: 500;
  transition: all var(--transition);
}
.toc-jump-links a:hover {
  background: var(--accent-light);
  border-color: var(--accent);
  color: var(--secondary);
  transform: translateX(3px);
}
.toc-jump-links .toc-num {
  font-family: 'Inter', sans-serif;
  font-size: .72rem;
  font-weight: 700;
  color: var(--accent);
  background: var(--white);
  border: 1px solid var(--border);
  width: 26px; height: 26px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}

/* ─── Related Articles ─── */
.related-articles {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.related-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
}
.related-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
  border-color: var(--accent);
}
.related-thumb {
  height: 160px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 3rem;
  color: var(--white);
}
.related-body { padding: 22px; flex: 1; display: flex; flex-direction: column; }
.related-meta {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: .74rem;
  color: var(--text-muted);
  margin-bottom: 10px;
}
.related-tag {
  background: var(--accent-light);
  color: var(--secondary);
  padding: 3px 10px;
  border-radius: 50px;
  font-size: .7rem;
  font-weight: 700;
}
.related-title {
  font-family: 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 8px;
  line-height: 1.4;
}
.related-title a { color: inherit; text-decoration: none; }
.related-title a:hover { color: var(--accent-dark); }
.related-desc {
  font-size: .85rem;
  color: var(--text-muted);
  line-height: 1.6;
  flex: 1;
  margin-bottom: 14px;
}
.related-read {
  font-size: .82rem;
  font-weight: 600;
  color: var(--accent-dark);
}

/* Responsive */
@media (max-width: 768px) {
  .quick-answer { padding: 24px 22px; }
  .quick-answer-facts { grid-template-columns: 1fr 1fr; }
  .toc-jump-links { grid-template-columns: 1fr; }
  .related-articles { grid-template-columns: 1fr; }
}

/* ─── Trust Bar ─── */
.trust-bar {
  background: var(--white);
  padding: 20px 0;
  border-bottom: 1px solid var(--border);
}
.trust-items {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 40px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: .82rem;
  font-weight: 600;
  color: var(--text-muted);
}
.trust-dot { width: 8px; height: 8px; background: var(--accent); border-radius: 50%; }

/* ─── Cards ─── */
.card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  transition: box-shadow var(--transition), transform var(--transition);
}
.card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.card-icon {
  width: 52px; height: 52px;
  background: var(--accent-light);
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
  margin-bottom: 18px;
}
.card h3 { margin-bottom: 8px; font-family: 'Inter', sans-serif; font-weight: 700; font-size: 1.05rem; }

/* ─── Info Table ─── */
.info-table {
  width: 100%;
  border-collapse: collapse;
  font-size: .92rem;
}
.info-table th {
  background: var(--primary);
  color: var(--white);
  padding: 14px 18px;
  text-align: left;
  font-weight: 600;
  font-family: 'Inter', sans-serif;
  font-size: .85rem;
}
.info-table th:first-child { border-radius: 8px 0 0 0; }
.info-table th:last-child  { border-radius: 0 8px 0 0; }
.info-table td {
  padding: 13px 18px;
  border-bottom: 1px solid var(--border);
  color: var(--text);
}
.info-table tr:last-child td { border-bottom: none; }
.info-table tr:nth-child(even) td { background: var(--accent-light); }
.info-table tr:hover td { background: #f0f9f4; }
.table-wrap { border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-sm); border: 1px solid var(--border); }
.badge-green { background: #DCFCE7; color: #15803D; padding: 3px 10px; border-radius: 50px; font-size: .78rem; font-weight: 600; }
.badge-red   { background: #FEE2E2; color: #DC2626; padding: 3px 10px; border-radius: 50px; font-size: .78rem; font-weight: 600; }
.badge-amber { background: #FEF3C7; color: #D97706; padding: 3px 10px; border-radius: 50px; font-size: .78rem; font-weight: 600; }

/* ─── Pros / Cons ─── */
.pros-cons-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.pros-box, .cons-box {
  padding: 24px;
  border-radius: var(--radius);
  border: 1px solid;
}
.pros-box { background: #F0FDF4; border-color: #86EFAC; }
.cons-box { background: #FFF7F7; border-color: #FCA5A5; }
.pros-box h4 { color: #15803D; margin-bottom: 14px; }
.cons-box h4 { color: #DC2626; margin-bottom: 14px; }
.check-list { list-style: none; }
.check-list li {
  display: flex; align-items: flex-start; gap: 8px;
  padding: 5px 0; font-size: .9rem; color: var(--text);
}
.check-list li::before { content: '✓'; font-weight: 700; color: #16A34A; flex-shrink: 0; margin-top: 2px; }
.cross-list li::before { content: '✗'; color: #DC2626; }

/* ─── Steps ─── */
.steps { counter-reset: step; }
.step-item {
  display: grid;
  grid-template-columns: 52px 1fr;
  gap: 20px;
  padding: 24px 0;
  border-bottom: 1px solid var(--border);
}
.step-item:last-child { border-bottom: none; }
.step-num {
  counter-increment: step;
  width: 52px; height: 52px;
  background: var(--primary);
  color: var(--white);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif;
  font-size: 1.3rem;
  font-weight: 700;
  flex-shrink: 0;
}
.step-num::before { content: counter(step); }
.step-content h4 { margin-bottom: 6px; font-family: 'Inter', sans-serif; font-size: 1rem; }

/* ─── FAQ ─── */
.faq-list { max-width: 820px; margin: 0 auto; }
.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  margin-bottom: 12px;
  overflow: hidden;
}
.faq-q {
  display: flex; align-items: center; justify-content: space-between;
  padding: 18px 22px;
  cursor: pointer;
  background: var(--white);
  font-weight: 600;
  color: var(--primary);
  font-size: .95rem;
  transition: background var(--transition);
  gap: 12px;
}
.faq-q:hover { background: var(--accent-light); }
.faq-q.open { background: var(--accent-light); }
.faq-icon { font-size: 1.1rem; color: var(--accent); flex-shrink: 0; transition: transform var(--transition); }
.faq-q.open .faq-icon { transform: rotate(45deg); }
.faq-a {
  display: none;
  padding: 0 22px 18px;
  background: var(--white);
  color: var(--text-muted);
  font-size: .92rem;
  line-height: 1.7;
}
.faq-a.open { display: block; }

/* ─── CTA Section ─── */
.cta-section {
  position: relative;
  overflow: hidden;
  color: var(--white);
  text-align: center;
  background-color: #061410;
}
.cta-photo-bg {
  position: absolute; inset: 0;
  background-image: url('../img/cta-bg.webp');
  background-size: cover;
  background-position: center 35%;
  background-repeat: no-repeat;
  background-attachment: fixed;
}
.cta-overlay {
  position: absolute; inset: 0;
  background:
    linear-gradient(
      135deg,
      rgba(6,22,12,.93)  0%,
      rgba(10,40,22,.88) 50%,
      rgba(8,30,16,.93)  100%
    );
}
.cta-content {
  position: relative;
  z-index: 1;
}
.cta-section h2 { color: var(--white); margin-bottom: 16px; }
.cta-section p  { color: rgba(255,255,255,.78); max-width: 560px; margin: 0 auto 32px; }

/* ─── Warning / Disclaimer Box ─── */
.disclaimer-box {
  background: var(--warning-bg);
  border: 1px solid #FCD34D;
  border-left: 4px solid var(--warning);
  border-radius: var(--radius);
  padding: 18px 22px;
  font-size: .85rem;
  color: #78350F;
  margin-top: 32px;
  line-height: 1.6;
}
.disclaimer-box strong { display: block; margin-bottom: 4px; }
.info-box {
  background: var(--accent-light);
  border: 1px solid #A7F3D0;
  border-left: 4px solid var(--accent);
  border-radius: var(--radius);
  padding: 18px 22px;
  font-size: .9rem;
  color: var(--secondary);
}

/* ─── Rating Stars ─── */
.stars { color: #F59E0B; letter-spacing: 2px; font-size: 1rem; }
.rating-num { font-size: 2.5rem; font-weight: 700; color: var(--primary); line-height: 1; }
.rating-out { font-size: .85rem; color: var(--text-muted); }

/* ─── Breadcrumb ─── */
.breadcrumb {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  padding: 12px 0;
  font-size: .82rem;
}
.breadcrumb-list { display: flex; align-items: center; gap: 8px; list-style: none; color: var(--text-muted); }
.breadcrumb-list li:not(:last-child)::after { content: '›'; margin-left: 8px; }
.breadcrumb-list a { color: var(--accent-dark); }
.breadcrumb-list li:last-child { color: var(--text); font-weight: 500; }

/* ─── Page Hero (Inner Pages) ─── */
.page-hero {
  background: linear-gradient(135deg, var(--primary) 0%, #1A4A28 100%);
  color: var(--white);
  padding: 60px 0 50px;
}
.page-hero h1 { color: var(--white); margin-bottom: 12px; }
.page-hero p  { color: rgba(255,255,255,.7); font-size: 1.05rem; max-width: 620px; }
.page-hero .eyebrow { color: var(--accent); }

/* ─── Calculator ─── */
.calc-wrap {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}
.calc-header {
  background: var(--primary);
  color: var(--white);
  padding: 28px 32px;
}
.calc-header h3 { color: var(--white); font-family: 'Inter', sans-serif; margin-bottom: 4px; }
.calc-body { padding: 32px; }
.calc-field { margin-bottom: 24px; }
.calc-field label { display: block; font-weight: 600; font-size: .88rem; color: var(--primary); margin-bottom: 8px; }
.calc-field input[type="range"] {
  width: 100%; height: 6px; cursor: pointer;
  -webkit-appearance: none;
  background: var(--border);
  border-radius: 50px;
  outline: none;
}
.calc-field input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px; height: 22px;
  background: var(--accent);
  border-radius: 50%;
  box-shadow: 0 2px 8px rgba(61,184,122,.4);
  cursor: pointer;
}
.calc-field select, .calc-field input[type="number"] {
  width: 100%; padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-size: .95rem; color: var(--text);
  background: var(--white);
  font-family: 'Inter', sans-serif;
  transition: border-color var(--transition);
}
.calc-field select:focus, .calc-field input[type="number"]:focus {
  outline: none; border-color: var(--accent);
}
.range-val { text-align: right; font-size: .85rem; color: var(--text-muted); margin-top: 4px; }
.range-val strong { color: var(--primary); font-size: 1.1rem; }
.calc-result {
  background: var(--accent-light);
  border: 1px solid #A7F3D0;
  border-radius: var(--radius);
  padding: 24px;
  margin-top: 8px;
}
.result-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.result-item label { font-size: .78rem; font-weight: 600; text-transform: uppercase; letter-spacing: .08em; color: var(--text-muted); display: block; margin-bottom: 4px; }
.result-item .val { font-size: 1.6rem; font-weight: 700; color: var(--primary); font-family: 'Inter', sans-serif; }

/* ─── Comparison Table ─── */
.compare-table { width: 100%; border-collapse: collapse; }
.compare-table th {
  background: var(--primary);
  color: white;
  padding: 16px 20px;
  font-size: .85rem;
  font-weight: 600;
  text-align: center;
}
.compare-table th:first-child { text-align: left; border-radius: 8px 0 0 0; }
.compare-table th:last-child  { border-radius: 0 8px 0 0; }
.compare-table td {
  padding: 13px 20px;
  border-bottom: 1px solid var(--border);
  font-size: .9rem;
  text-align: center;
  color: var(--text);
}
.compare-table td:first-child { text-align: left; font-weight: 600; color: var(--primary); }
.compare-table tr:nth-child(even) td { background: var(--accent-light); }
.compare-table .highlight-col { background: rgba(61,184,122,.08); }
.col-us { background: rgba(61,184,122,.12) !important; }
.col-us-h { background: var(--accent) !important; }
.tick   { color: #16A34A; font-size: 1.1rem; }
.cross  { color: #DC2626; font-size: 1.1rem; }
.partial { color: #D97706; font-size: 1.1rem; }

/* ─── State Cards ─── */
.state-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(160px, 1fr)); gap: 16px; }
.state-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 16px;
  text-align: center;
  font-size: .88rem;
  font-weight: 600;
  color: var(--primary);
  transition: all var(--transition);
}
.state-card:hover { background: var(--accent-light); border-color: var(--accent); }
.state-flag { font-size: 1.6rem; margin-bottom: 6px; }

/* ─── Blog Cards ─── */
.blog-card {
  background: var(--white);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  transition: box-shadow var(--transition), transform var(--transition);
}
.blog-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.blog-thumb { height: 180px; background: var(--primary); display: flex; align-items: center; justify-content: center; font-size: 3rem; }
.blog-content { padding: 22px; }
.blog-meta { font-size: .78rem; color: var(--text-muted); margin-bottom: 8px; }
.blog-tag { background: var(--accent-light); color: var(--secondary); padding: 2px 10px; border-radius: 50px; font-size: .75rem; font-weight: 600; }
.blog-content h3 { font-size: 1rem; margin-bottom: 8px; font-family: 'Inter', sans-serif; }
.read-more { font-size: .85rem; font-weight: 600; color: var(--accent-dark); }

/* ─── VIP Tiers ─── */
.vip-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(200px, 1fr)); gap: 20px; }
.vip-card {
  border-radius: var(--radius);
  padding: 24px 20px;
  text-align: center;
  border: 2px solid;
  transition: transform var(--transition);
}
.vip-card:hover { transform: translateY(-3px); }
.vip-bronze  { background: #FEF3C7; border-color: #D97706; }
.vip-silver  { background: #F3F4F6; border-color: #6B7280; }
.vip-gold    { background: #FEFCE8; border-color: #EAB308; }
.vip-platinum { background: #EFF6FF; border-color: #3B82F6; }
.vip-titanium { background: #1A1A2E; border-color: #6366F1; }
.vip-tier-name { font-size: 1rem; font-weight: 700; font-family: 'Inter', sans-serif; }
.vip-bronze .vip-tier-name   { color: #92400E; }
.vip-silver .vip-tier-name   { color: #374151; }
.vip-gold .vip-tier-name     { color: #713F12; }
.vip-platinum .vip-tier-name { color: #1E40AF; }
.vip-titanium .vip-tier-name { color: #A5B4FC; }
.vip-titanium .vip-desc      { color: rgba(255,255,255,.65); }
.vip-apr { font-size: 1.8rem; font-weight: 700; font-family: 'Inter', sans-serif; color: var(--primary); margin: 8px 0; }
.vip-titanium .vip-apr { color: white; }
.vip-desc { font-size: .82rem; color: var(--text-muted); }
.vip-badge { font-size: 2rem; margin-bottom: 10px; }

/* ─── Form (Contact) ─── */
.form-group { margin-bottom: 20px; }
.form-group label { display: block; font-weight: 600; font-size: .88rem; color: var(--primary); margin-bottom: 8px; }
.form-group input, .form-group textarea, .form-group select {
  width: 100%; padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-family: 'Inter', sans-serif;
  font-size: .95rem; color: var(--text);
  background: var(--white);
  transition: border-color var(--transition);
}
.form-group input:focus, .form-group textarea:focus {
  outline: none; border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(61,184,122,.15);
}
.form-group textarea { min-height: 140px; resize: vertical; }

/* ─── Footer ─── */
.footer {
  background: var(--primary);
  color: rgba(255,255,255,.7);
  padding: 64px 0 0;
}
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; padding-bottom: 48px; }
.footer-brand p { font-size: .88rem; line-height: 1.7; color: rgba(255,255,255,.55); margin-top: 12px; }
.footer-logo { color: var(--white); font-family: 'Playfair Display', serif; font-size: 1.2rem; font-weight: 700; display: flex; align-items: center; gap: 8px; }
.footer-logo .logo-icon { width: 30px; height: 30px; font-size: .9rem; }
.footer-col h5 { color: var(--white); font-family: 'Inter', sans-serif; font-size: .85rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; margin-bottom: 16px; }
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 10px; }
.footer-col ul a { font-size: .88rem; color: rgba(255,255,255,.55); transition: color var(--transition); }
.footer-col ul a:hover { color: var(--accent); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1);
  padding: 20px 0;
  display: flex; align-items: flex-start; gap: 16px;
  flex-direction: column;
}
.footer-disclaimer { font-size: .75rem; line-height: 1.6; color: rgba(255,255,255,.35); }
.footer-copy { font-size: .78rem; color: rgba(255,255,255,.35); }
.footer-links { display: flex; gap: 20px; }
.footer-links a { font-size: .78rem; color: rgba(255,255,255,.35); }
.footer-links a:hover { color: var(--accent); }

/* ─── Hero Form Card (replaces hero-card) ─── */
.hero-form-card {
  background: var(--white);
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 24px 64px rgba(0,0,0,.32);
  position: relative;
}
.hero-form-header {
  background: var(--primary);
  border-bottom: 3px solid var(--accent);
  padding: 18px 24px;
  display: flex;
  align-items: center;
  gap: 12px;
}
.hero-form-header-icon {
  width: 38px; height: 38px;
  background: var(--accent);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}
.hero-form-header-text h3 {
  color: var(--white);
  font-family: 'Inter', sans-serif;
  font-size: .95rem;
  font-weight: 700;
  margin: 0;
}
.hero-form-header-text p {
  color: rgba(255,255,255,.6);
  font-size: .75rem;
  margin: 2px 0 0;
}
.hero-form-body {
  padding: 20px 24px 24px;
}
.hero-form-trust {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  padding: 12px 24px;
  background: var(--accent-light);
  border-top: 1px solid var(--border);
}
.hero-form-trust-item {
  display: flex;
  align-items: center;
  gap: 5px;
  font-size: .72rem;
  font-weight: 600;
  color: var(--secondary);
}
.hero-form-trust-item::before {
  content: '✓';
  color: var(--accent);
  font-weight: 700;
}
/* APIdiamond form container inside hero */
.hero-form-body #_lg_form_ {
  background: transparent;
  box-shadow: none;
  padding: 0;
  margin: 0;
}

/* ─── Loan Snapshot Strip (replaces hero-card location) ─── */
.loan-snapshot-strip {
  background: var(--primary);
  padding: 28px 0;
}
.loan-snapshot-inner {
  display: flex;
  align-items: center;
  gap: 0;
  flex-wrap: wrap;
}
.snapshot-item {
  flex: 1;
  min-width: 140px;
  padding: 0 24px;
  border-right: 1px solid rgba(255,255,255,.1);
  text-align: center;
}
.snapshot-item:last-child { border-right: none; }
.snapshot-val {
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--accent);
  font-family: 'Inter', sans-serif;
  line-height: 1.1;
}
.snapshot-label {
  font-size: .72rem;
  color: rgba(255,255,255,.55);
  margin-top: 4px;
}
.snapshot-badge {
  display: inline-block;
  background: rgba(61,184,122,.2);
  border: 1px solid rgba(61,184,122,.35);
  border-radius: 50px;
  padding: 3px 10px;
  font-size: .68rem;
  font-weight: 600;
  color: var(--accent);
  margin-top: 4px;
}



/* ═══════════════════════════════════════════════════════════════
   RESPONSIVE BREAKPOINTS
   Desktop 1280+, Laptop 1024, Tablet 768, Mobile L 480, Mobile S 360
   ═══════════════════════════════════════════════════════════════ */

/* ─── Laptop (≤1024px) ─── */
@media (max-width: 1024px) {
  .container { padding: 0 20px; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .hero h1 { font-size: 2.4rem; }
  .hero-desc { font-size: 1rem; }
  .hero-grid { grid-template-columns: 1fr; }
  .hero-form-card { max-width: 560px; margin: 32px auto 0; }
  .related-articles { grid-template-columns: repeat(2, 1fr); }
  .snapshot-item { min-width: 130px; padding: 0 18px; }
}

/* ─── Tablet (≤768px) ─── */
@media (max-width: 768px) {
  /* Hamburger + Mobile menu */
  .hamburger { display: flex; }
  .nav-menu {
    display: none;
    position: fixed; top: 68px; left: 0; right: 0; bottom: 0;
    background: var(--primary);
    flex-direction: column;
    align-items: flex-start;
    padding: 24px;
    gap: 4px;
    overflow-y: auto;
    z-index: 999;
  }
  .nav-menu.open { display: flex; }
  .nav-menu a { font-size: 1rem; padding: 12px 16px; width: 100%; }
  .nav-cta { margin-left: 0; }
  .nav-cta a {
    display: block;
    text-align: center;
    background: var(--accent);
    color: var(--primary) !important;
    font-weight: 700 !important;
    margin-top: 8px;
    border-radius: 8px;
  }

  /* Mobile dropdown */
  .nav-dropdown-wrap { width: 100%; }
  .nav-dropdown-toggle { justify-content: space-between; }
  .nav-dropdown {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none !important;
    box-shadow: none;
    border: none;
    border-radius: 0;
    background: rgba(255,255,255,.05);
    padding: 4px 0 4px 16px;
    margin-top: 4px;
    display: none;
    pointer-events: auto;
    min-width: unset;
  }
  .nav-dropdown::before { display: none; }
  .nav-dropdown-wrap.open .nav-dropdown { display: block; }
  .nav-dropdown li a {
    padding: 9px 12px !important;
    font-size: .9rem !important;
  }

  /* Hero */
  .hero { padding: 56px 0 40px; }
  .hero h1 { font-size: 2rem; line-height: 1.15; }
  .hero-desc { font-size: 1rem; margin-bottom: 24px; }
  .hero-eyebrow {
    font-size: .72rem;
    padding: 6px 14px;
    line-height: 1.3;
  }
  .hero-form-card { display: block; max-width: 100%; margin: 24px 0 0; }
  .hero-form-card #_lg_form_ { max-width: 100%; overflow: hidden; }

  /* Hero stats grid — 2x2 on tablet */
  .hero-stats {
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
    margin-top: 32px;
    padding-top: 24px;
  }
  .hero-stat-num { font-size: 1.4rem; }

  /* Snapshot strip: 3 cols */
  .loan-snapshot-strip { padding: 20px 0; }
  .loan-snapshot-inner {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
  }
  .snapshot-item {
    min-width: 0;
    padding: 8px 4px;
    border-right: none;
    border-bottom: 1px solid rgba(255,255,255,.08);
  }
  .snapshot-val { font-size: 1.1rem; }
  .snapshot-label { font-size: .68rem; }
  .snapshot-badge { display: none; }

  /* General grids */
  .grid-2, .grid-3 { grid-template-columns: 1fr; }
  .pros-cons-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .result-grid { grid-template-columns: 1fr; }
  .related-articles { grid-template-columns: 1fr; }
  .compare-table { font-size: .8rem; }
  .compare-table td, .compare-table th { padding: 10px 12px; }

  /* Section spacing */
  .section { padding: 48px 0; }
  .section-title { font-size: 1.65rem; }

  /* VIP grid */
  .vip-grid { grid-template-columns: 1fr 1fr; }

  /* Quick Answer + TOC */
  .quick-answer { padding: 24px 22px; }
  .quick-answer h2 { font-size: 1.15rem; }
  .quick-answer-body { font-size: .95rem; }
  .quick-answer-facts { grid-template-columns: repeat(2, 1fr); gap: 12px; }
  .toc-jump-links { grid-template-columns: 1fr; }
}

/* ─── Mobile L (≤480px) ─── */
@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .hero h1 { font-size: 1.75rem; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; text-align: center; justify-content: center; }
  .footer-grid { grid-template-columns: 1fr; gap: 24px; }
  .vip-grid { grid-template-columns: 1fr; }
  .state-grid { grid-template-columns: repeat(2, 1fr); }

  /* Snapshot: 2 cols on small mobile */
  .loan-snapshot-inner { grid-template-columns: repeat(2, 1fr); }

  /* Quick Answer facts: 2x2 */
  .quick-answer-facts { grid-template-columns: 1fr 1fr; }

  /* Section titles */
  .section-title { font-size: 1.4rem; }
  .section-subtitle { font-size: .95rem; }

  /* Reduce hero padding */
  .hero { padding: 40px 0 32px; }
}

/* ─── Mobile S (≤360px) ─── */
@media (max-width: 360px) {
  .hero h1 { font-size: 1.5rem; }
  .section-title { font-size: 1.25rem; }
  .btn { padding: 12px 20px; font-size: .88rem; }
}

/* ═══════════════════════════════════════════════════════════════
   COOKIE CONSENT BANNER
   ═══════════════════════════════════════════════════════════════ */
.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: var(--primary);
  color: var(--white);
  padding: 20px 24px;
  z-index: 9999;
  box-shadow: 0 -8px 32px rgba(0,0,0,.25);
  transform: translateY(100%);
  transition: transform .4s cubic-bezier(.16,1,.3,1);
  border-top: 3px solid var(--accent);
}
.cookie-banner.visible { transform: translateY(0); }
.cookie-banner-inner {
  max-width: 1400px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}
.cookie-icon {
  width: 48px; height: 48px;
  background: var(--accent-light);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem;
  flex-shrink: 0;
}
.cookie-text { flex: 1; min-width: 280px; }
.cookie-text h4 {
  font-family: 'Inter', sans-serif;
  font-size: 1rem;
  color: var(--white);
  margin-bottom: 4px;
  font-weight: 700;
}
.cookie-text p {
  font-size: .85rem;
  color: rgba(255,255,255,.75);
  line-height: 1.5;
  margin: 0;
}
.cookie-text a { color: var(--accent); text-decoration: underline; font-weight: 600; }
.cookie-actions { display: flex; gap: 10px; flex-wrap: wrap; align-items: center; }
.cookie-btn {
  padding: 10px 18px;
  border-radius: 8px;
  font-family: 'Inter', sans-serif;
  font-size: .85rem;
  font-weight: 700;
  cursor: pointer;
  border: none;
  transition: all var(--transition);
  white-space: nowrap;
}
.cookie-btn-accept { background: var(--accent); color: var(--primary); }
.cookie-btn-accept:hover { background: #4dd18a; transform: translateY(-1px); }
.cookie-btn-reject {
  background: transparent;
  color: var(--white);
  border: 1.5px solid rgba(255,255,255,.3);
}
.cookie-btn-reject:hover { background: rgba(255,255,255,.08); border-color: rgba(255,255,255,.5); }
.cookie-btn-settings {
  background: transparent;
  color: rgba(255,255,255,.7);
  font-size: .82rem;
  text-decoration: underline;
  padding: 10px 12px;
}
.cookie-btn-settings:hover { color: var(--white); }

/* Cookie preferences modal */
.cookie-modal {
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,.6);
  z-index: 10000;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 20px;
  backdrop-filter: blur(4px);
}
.cookie-modal.visible { display: flex; }
.cookie-modal-panel {
  background: var(--white);
  border-radius: 16px;
  max-width: 600px;
  width: 100%;
  max-height: 90vh;
  overflow-y: auto;
  padding: 32px;
  box-shadow: 0 24px 64px rgba(0,0,0,.3);
}
.cookie-modal h3 { font-family: 'Inter', sans-serif; color: var(--primary); margin-bottom: 8px; font-size: 1.25rem; }
.cookie-modal-desc { color: var(--text-muted); font-size: .88rem; margin-bottom: 20px; line-height: 1.6; }
.cookie-category {
  padding: 16px;
  border: 1px solid var(--border);
  border-radius: 10px;
  margin-bottom: 12px;
}
.cookie-category-head { display: flex; justify-content: space-between; align-items: center; margin-bottom: 8px; }
.cookie-category-name { font-family: 'Inter', sans-serif; font-weight: 700; color: var(--primary); font-size: .95rem; }
.cookie-category-desc { font-size: .82rem; color: var(--text-muted); line-height: 1.5; margin: 0; }
.cookie-toggle {
  position: relative;
  width: 44px; height: 24px;
  background: var(--border);
  border-radius: 12px;
  cursor: pointer;
  transition: background .2s;
  border: none;
}
.cookie-toggle::after {
  content: '';
  position: absolute;
  top: 3px; left: 3px;
  width: 18px; height: 18px;
  background: var(--white);
  border-radius: 50%;
  transition: transform .2s;
}
.cookie-toggle.active { background: var(--accent); }
.cookie-toggle.active::after { transform: translateX(20px); }
.cookie-toggle.disabled { background: var(--accent-light); cursor: not-allowed; }
.cookie-toggle.disabled::after { transform: translateX(20px); background: var(--accent); }
.cookie-modal-actions { display: flex; gap: 10px; justify-content: flex-end; margin-top: 24px; flex-wrap: wrap; }

/* ═══════════════════════════════════════════════════════════════
   SCROLL PROGRESS BAR
   ═══════════════════════════════════════════════════════════════ */
.scroll-progress {
  position: fixed;
  top: 0; left: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--accent) 0%, #4dd18a 100%);
  z-index: 1001;
  width: 0%;
  transition: width .1s ease-out;
  box-shadow: 0 0 8px rgba(61,184,122,.6);
}

/* ═══════════════════════════════════════════════════════════════
   STICKY TABLE OF CONTENTS (horizontal bar)
   ═══════════════════════════════════════════════════════════════ */
.sticky-toc {
  position: fixed;
  top: -80px;
  left: 0; right: 0;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  padding: 12px 0;
  z-index: 100;
  transition: top .3s cubic-bezier(.16,1,.3,1);
  box-shadow: 0 4px 12px rgba(0,0,0,.06);
}
.sticky-toc.visible { top: 3px; }
.sticky-toc-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  gap: 12px;
  overflow-x: auto;
  scrollbar-width: none;
}
.sticky-toc-inner::-webkit-scrollbar { display: none; }
.sticky-toc-label {
  font-family: 'Inter', sans-serif;
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .1em;
  color: var(--text-muted);
  text-transform: uppercase;
  flex-shrink: 0;
  padding-right: 12px;
  border-right: 1px solid var(--border);
}
.sticky-toc-links {
  display: flex;
  gap: 4px;
  list-style: none;
  flex-shrink: 0;
  padding: 0;
  margin: 0;
}
.sticky-toc-links a {
  padding: 6px 12px;
  border-radius: 6px;
  font-size: .82rem;
  color: var(--text);
  text-decoration: none;
  white-space: nowrap;
  transition: all .15s;
  font-weight: 500;
}
.sticky-toc-links a:hover { background: var(--accent-light); color: var(--secondary); }
.sticky-toc-links a.active { background: var(--primary); color: var(--white); }

@media (max-width: 768px) {
  .sticky-toc { padding: 8px 0; }
  .sticky-toc-label { font-size: .65rem; padding-right: 8px; }
  .sticky-toc-links a { padding: 5px 10px; font-size: .78rem; }
}

/* ═══════════════════════════════════════════════════════════════
   ANIMATED STAT COUNTERS
   ═══════════════════════════════════════════════════════════════ */
.stat-counter { display: inline-block; }
.stat-counter[data-counter]:not(.counted) { opacity: .5; }
.stat-counter.counted { opacity: 1; transition: opacity .3s ease; }

/* ═══════════════════════════════════════════════════════════════
   TRUST BADGES (Footer)
   ═══════════════════════════════════════════════════════════════ */
.trust-badges {
  padding: 32px 0 24px;
  border-top: 1px solid rgba(255,255,255,.08);
  margin-top: 32px;
  margin-bottom: 24px;
}
.trust-badges-title {
  text-align: center;
  font-family: 'Inter', sans-serif;
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .15em;
  color: rgba(255,255,255,.45);
  text-transform: uppercase;
  margin-bottom: 20px;
}
.trust-badges-grid {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 32px;
  flex-wrap: wrap;
}
.trust-badge {
  display: flex;
  align-items: center;
  gap: 10px;
  color: rgba(255,255,255,.7);
  font-family: 'Inter', sans-serif;
  font-size: .82rem;
  font-weight: 600;
  transition: color var(--transition);
  text-decoration: none;
}
.trust-badge:hover { color: var(--accent); }
.trust-badge-icon {
  width: 32px; height: 32px;
  background: rgba(61,184,122,.12);
  border: 1px solid rgba(61,184,122,.25);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem;
  flex-shrink: 0;
}
@media (max-width: 640px) {
  .trust-badges-grid { gap: 16px 24px; }
  .trust-badge { font-size: .75rem; }
}