/* ============================================
   PAYJOYFUND.COM — Electronic Modern
   Curved · Concave · Organic Flow · Green Palette
   Layout: 1 Column + Sidebar
   ============================================ */
@import url('https://fonts.googleapis.com/css2?family=Urbanist:wght@300;400;500;600;700;800&family=Fraunces:ital,opsz,wght@0,9..144,300;0,9..144,500;0,9..144,700;0,9..144,900;1,9..144,400&family=IBM+Plex+Mono:wght@400;500;600&display=swap');

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

:root{
  --white:#ffffff;
  --cream:#f8faf6;
  --mint:#eef6ee;
  --green-50:#dcf0dc;
  --green-100:#b8e0b8;
  --green-200:#7cc87c;
  --green-300:#4caf50;
  --green-400:#2e7d32;
  --green-500:#1b5e20;
  --green-600:#0d3b12;
  --green-700:#0a2e0e;
  --black:#0f1a10;

  --text-primary:#1a2e1a;
  --text-secondary:#4a6a4a;
  --text-muted:#7a9a7a;
  --border:#d4e8d4;
  --border-hover:#a0c8a0;

  --gradient-hero:linear-gradient(160deg,#1b5e20 0%,#2e7d32 40%,#4caf50 100%);
  --gradient-card:linear-gradient(145deg,rgba(255,255,255,.95),rgba(248,250,246,.9));
  --gradient-cta:linear-gradient(135deg,#1b5e20 0%,#2e7d32 50%,#388e3c 100%);
  --gradient-glow:radial-gradient(circle,rgba(76,175,80,.12) 0%,transparent 70%);

  --shadow-sm:0 2px 8px rgba(15,26,16,.06);
  --shadow-md:0 8px 24px rgba(15,26,16,.08);
  --shadow-lg:0 16px 48px rgba(15,26,16,.12);
  --shadow-card:0 4px 20px rgba(27,94,32,.06);
  --shadow-hover:0 12px 36px rgba(27,94,32,.12);

  --radius-sm:12px;
  --radius-md:20px;
  --radius-lg:32px;
  --radius-xl:48px;
  --radius-blob:40% 60% 55% 45% / 55% 40% 60% 45%;

  --font-body:'Urbanist',sans-serif;
  --font-heading:'Fraunces','Georgia',serif;
  --font-mono:'IBM Plex Mono',monospace;

  --max-w:1280px;
  --content-w:820px;
  --sidebar-w:340px;
  --nav-h:72px;
  --transition:.35s cubic-bezier(.4,0,.2,1);
  --spring:.5s cubic-bezier(.175,.885,.32,1.275);
}

html{scroll-behavior:smooth;scroll-padding-top:calc(var(--nav-h) + 20px)}
body{font-family:var(--font-body);color:var(--text-primary);background:var(--white);line-height:1.7;font-size:16px;overflow-x:hidden;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--green-400);text-decoration:none;transition:color var(--transition)}
a:hover{color:var(--green-500)}

h1,h2,h3{font-family:var(--font-heading);font-weight:700;line-height:1.15;color:var(--text-primary)}
h1{font-size:clamp(2.2rem,5vw,3.6rem);letter-spacing:-.02em}
h2{font-size:clamp(1.7rem,3.5vw,2.6rem);letter-spacing:-.015em;margin-top:1rem;margin-bottom:.75rem}
h3{font-size:clamp(1.15rem,2vw,1.5rem);margin-top:.75rem;margin-bottom:.6rem}
h4{font-size:1.05rem;font-family:var(--font-body);font-weight:700}
p{margin-bottom:1rem;color:var(--text-secondary)}
ul,ol{padding-left:1.5rem;margin-bottom:1rem}
li{margin-bottom:.4rem;color:var(--text-secondary)}

/* ===== UTILITY ===== */
.container{max-width:var(--max-w);margin:0 auto;padding:0 24px}
.section{padding:88px 0;position:relative}
.section-alt{background:var(--cream)}
.section-green{background:var(--gradient-cta);color:#fff}
.text-center{text-align:center}
.visually-hidden{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0);border:0}

/* Accent text */
.accent{color:var(--green-400)}
.accent-gradient{background:var(--gradient-hero);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}

/* Tags */
.tag{display:inline-flex;align-items:center;gap:6px;font-family:var(--font-mono);font-size:.72rem;font-weight:600;text-transform:uppercase;letter-spacing:.1em;padding:6px 16px;border-radius:var(--radius-xl);background:var(--green-50);color:var(--green-400);border:1px solid var(--green-100)}

/* ===== CURVED SHAPES ===== */
.curve-top{position:relative}
.curve-top::before{content:'';position:absolute;top:-1px;left:0;right:0;height:60px;background:var(--white);border-radius:0 0 50% 50%/0 0 100% 100%;z-index:2}
.curve-bottom::after{content:'';position:absolute;bottom:-1px;left:0;right:0;height:60px;background:var(--white);border-radius:50% 50% 0 0/100% 100% 0 0;z-index:2}
.curve-green-top::before{content:'';position:absolute;top:-1px;left:0;right:0;height:60px;background:var(--cream);border-radius:0 0 50% 50%/0 0 100% 100%;z-index:2}

/* Blob decorators */
.blob-deco{position:absolute;border-radius:var(--radius-blob);filter:blur(80px);opacity:.25;pointer-events:none;z-index:0}
.blob-1{width:400px;height:400px;background:var(--green-200);top:-100px;right:-100px}
.blob-2{width:350px;height:350px;background:var(--green-100);bottom:-80px;left:-80px}

/* ===== BUTTONS ===== */
.btn{display:inline-flex;align-items:center;gap:10px;padding:14px 32px;border-radius:var(--radius-xl);font-family:var(--font-body);font-size:.92rem;font-weight:700;border:none;cursor:pointer;transition:all var(--transition);text-decoration:none;line-height:1.4;position:relative;overflow:hidden}
.btn svg{width:18px;height:18px}
.btn-primary{background:var(--gradient-cta);color:#fff;box-shadow:0 4px 16px rgba(27,94,32,.25)}
.btn-primary:hover{transform:translateY(-3px);box-shadow:0 8px 32px rgba(27,94,32,.35);color:#fff}
.btn-outline{background:transparent;color:var(--green-500);border:2px solid var(--green-400)}
.btn-outline:hover{background:var(--green-500);color:#fff;transform:translateY(-2px)}
.btn-white{background:#fff;color:var(--green-500)}
.btn-white:hover{background:var(--cream);transform:translateY(-2px);color:var(--green-500)}
.btn-lg{padding:18px 40px;font-size:1rem;border-radius:var(--radius-xl)}

/* ===== NAVIGATION ===== */
.nav{position:fixed;top:0;left:0;right:0;height:var(--nav-h);background:rgba(255,255,255,.88);backdrop-filter:blur(24px);-webkit-backdrop-filter:blur(24px);z-index:1000;border-bottom:1px solid var(--border);transition:all var(--transition)}
.nav.scrolled{box-shadow:var(--shadow-sm)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:100%;max-width:var(--max-w);margin:0 auto;padding:0 24px}
.nav-logo{display:flex;align-items:center;gap:10px;font-family:var(--font-heading);font-weight:700;font-size:1.25rem;color:var(--green-500);text-decoration:none}
.nav-logo img{width:32px;height:32px}
.nav-logo:hover{color:var(--green-500)}
.nav-links{display:flex;align-items:center;gap:2px;list-style:none;padding:0;margin:0}
.nav-links>li{position:relative}
.nav-links>li>a{display:flex;align-items:center;gap:4px;padding:8px 16px;font-size:.88rem;font-weight:600;color:var(--text-secondary);text-decoration:none;border-radius:var(--radius-sm);transition:all var(--transition)}
.nav-links>li>a:hover{color:var(--green-500);background:var(--mint)}
.nav-links>li>a.active{color:var(--green-500)}
.dropdown-trigger{cursor:pointer}
.dropdown-trigger svg{width:14px;height:14px;transition:transform var(--transition);opacity:.5}
.dropdown{position:absolute;top:calc(100% + 8px);left:50%;transform:translateX(-50%) translateY(6px);background:#fff;border:1px solid var(--border);border-radius:var(--radius-md);box-shadow:var(--shadow-lg);min-width:240px;opacity:0;visibility:hidden;transition:all .25s ease;z-index:100;padding:8px}
.nav-links>li:hover .dropdown{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
.nav-links>li:hover .dropdown-trigger svg{transform:rotate(180deg);opacity:1}
.dropdown a{display:block;padding:10px 16px;font-size:.86rem;color:var(--text-secondary);border-radius:var(--radius-sm);transition:all var(--transition)}
.dropdown a:hover{background:var(--mint);color:var(--green-500)}
.nav-spacer{width:64px}
.nav-apply{margin-left:auto}
.nav-apply .btn{padding:10px 24px;font-size:.85rem;color:#fff}
.nav-toggle{display:none;background:none;border:none;cursor:pointer;padding:8px}
.nav-toggle span{display:block;width:22px;height:2px;background:var(--text-primary);margin:5px 0;transition:all var(--transition);border-radius:2px}

/* ===== BREADCRUMB ===== */
.breadcrumb{padding:14px 0;font-size:.82rem;margin-top:var(--nav-h)}
.breadcrumb-inner{display:flex;align-items:center;flex-wrap:wrap;gap:6px;max-width:var(--max-w);margin:0 auto;padding:0 24px}
.breadcrumb a{color:var(--text-muted)}
.breadcrumb a:hover{color:var(--green-400)}
.breadcrumb .sep{color:var(--border)}
.breadcrumb .current{color:var(--text-primary);font-weight:600}

/* ===== HERO ===== */
.hero{position:relative;min-height:580px;display:flex;align-items:center;overflow:hidden;margin-top:var(--nav-h);background:var(--gradient-hero)}
.hero::after{content:'';position:absolute;bottom:-1px;left:0;right:0;height:80px;background:var(--white);border-radius:50% 50% 0 0/100% 100% 0 0;z-index:2;pointer-events:none}
.hero-bg{position:absolute;inset:0;z-index:0}
.hero-bg img{width:100%;height:100%;object-fit:cover;opacity:.18;mix-blend-mode:luminosity}
/* Concave cutout decoration */
.hero-deco{position:absolute;right:-60px;top:50%;transform:translateY(-50%);width:320px;height:320px;border-radius:50%;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);z-index:1}
.hero-deco2{position:absolute;right:80px;bottom:-40px;width:200px;height:200px;border-radius:50%;background:rgba(255,255,255,.04);z-index:1}
.hero-content{position:relative;z-index:3;max-width:var(--max-w);margin:0 auto;padding:80px 24px 120px;width:100%}
.hero-content h1{color:#fff;margin-bottom:18px;max-width:640px}
.hero-content p.hero-desc{font-size:1.1rem;max-width:540px;margin-bottom:28px;color:rgba(255,255,255,.85);line-height:1.8}
.hero-btns{display:flex;gap:14px;flex-wrap:wrap;position:relative;z-index:3}
.hero-badges{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px;position:relative;z-index:3}
.hero-badge{display:flex;align-items:center;gap:8px;background:rgba(255,255,255,.12);backdrop-filter:blur(8px);padding:10px 18px;border-radius:var(--radius-xl);font-family:var(--font-mono);font-size:.78rem;font-weight:500;border:1px solid rgba(255,255,255,.15);color:rgba(255,255,255,.9)}
.hero-badge svg{width:16px;height:16px;color:#86efac}

/* ===== FORM AREA ===== */
.form-area{background:var(--cream);padding:56px 0;border-bottom:1px solid var(--border);position:relative;z-index:3;border-radius:0 0 var(--radius-xl) var(--radius-xl)}
.form-area .container{max-width:720px}
.form-area h2{text-align:center;margin-bottom:10px}
.form-area .subtitle{text-align:center;color:var(--text-muted);margin-bottom:32px}

/* ===== LAYOUT: Content + Sidebar ===== */
.page-layout{display:grid;grid-template-columns:1fr var(--sidebar-w);gap:48px;max-width:var(--max-w);margin:0 auto;padding:0 24px;overflow:visible}
.page-main{min-width:0}
.page-sidebar{position:sticky;top:calc(var(--nav-h) + 24px);align-self:start}
.sidebar-box{background:var(--cream);border:1px solid var(--border);border-radius:var(--radius-lg);padding:28px;margin-bottom:24px}
.sidebar-box h4{margin-bottom:14px;font-size:.95rem}
.sidebar-box ul{list-style:none;padding:0}
.sidebar-box li{margin-bottom:8px}
.sidebar-box a{font-size:.88rem;color:var(--text-secondary);display:flex;align-items:center;gap:8px}
.sidebar-box a:hover{color:var(--green-400)}
.sidebar-box a svg{width:14px;height:14px;opacity:.5}
.sidebar-cta{background:var(--gradient-cta);border:none;color:#fff;text-align:center}
.sidebar-cta h4{color:#fff}
.sidebar-cta p{color:rgba(255,255,255,.8);font-size:.88rem}
.sidebar-cta .btn{margin-top:16px}

/* ===== STATS BAR ===== */
.stats-bar{background:var(--white);padding:32px 0;border-bottom:1px solid var(--border);position:relative;z-index:3}
.stats-bar-inner{display:flex;justify-content:center;gap:64px;flex-wrap:wrap}
.stat-item{text-align:center}
.stat-value{font-family:var(--font-heading);font-size:2.6rem;font-weight:900;display:block;color:var(--green-500)}
.stat-label{font-family:var(--font-mono);font-size:.75rem;color:var(--text-muted);margin-top:4px;text-transform:uppercase;letter-spacing:.1em}

/* ===== CARDS ===== */
.card-grid{display:grid;gap:24px}
.card-grid-2{grid-template-columns:repeat(2,1fr)}
.card-grid-3{grid-template-columns:repeat(3,1fr)}
.card{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);overflow:hidden;transition:all var(--transition)}
.card:hover{box-shadow:var(--shadow-hover);transform:translateY(-6px);border-color:var(--border-hover)}
.card-img{aspect-ratio:3/4;overflow:hidden;position:relative;border-radius:var(--radius-lg) var(--radius-lg) 0 0}
.card-img img{width:100%;height:100%;object-fit:cover;transition:transform .5s ease}
.card:hover .card-img img{transform:scale(1.06)}
.card-body{padding:22px}
.card-body h3{font-size:1.1rem;margin-bottom:8px}
.card-body h3 a{color:var(--text-primary)}
.card-body h3 a:hover{color:var(--green-400)}
.card-body p{font-size:.9rem;line-height:1.6}
.card-meta{display:flex;align-items:center;gap:10px;font-size:.78rem;color:var(--text-muted);margin-bottom:10px;font-family:var(--font-mono)}
.card-tag{font-family:var(--font-mono);font-size:.68rem;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:var(--green-400);background:var(--green-50);padding:3px 10px;border-radius:var(--radius-xl);display:inline-block;margin-bottom:10px}
.read-more{font-family:var(--font-mono);font-weight:600;font-size:.82rem;display:inline-flex;align-items:center;gap:8px;color:var(--green-400);margin-top:auto}
.read-more svg{width:16px;height:16px;transition:transform var(--transition)}
.card:hover .read-more svg{transform:translateX(5px)}

/* ===== FEATURE BOXES (curved) ===== */
.feature-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.feature-box{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:36px;transition:all var(--transition);position:relative;overflow:hidden}
.feature-box::after{content:'';position:absolute;top:0;left:0;right:0;height:4px;background:var(--gradient-cta);border-radius:var(--radius-lg) var(--radius-lg) 0 0;transform:scaleX(0);transition:transform .4s ease}
.feature-box:hover{border-color:var(--green-200);box-shadow:var(--shadow-hover)}
.feature-box:hover::after{transform:scaleX(1)}
.feature-icon{width:56px;height:56px;background:var(--green-50);border-radius:var(--radius-md);display:flex;align-items:center;justify-content:center;margin-bottom:20px;border:1px solid var(--green-100)}
.feature-icon svg{width:26px;height:26px;color:var(--green-400)}
.feature-box h3{font-size:1.05rem;font-family:var(--font-body);font-weight:700;margin-bottom:10px}
.feature-box p{font-size:.9rem;color:var(--text-secondary);margin:0;line-height:1.7}

/* ===== STEPS ===== */
.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:40px;position:relative}
.steps-grid::before{content:'';position:absolute;top:44px;left:16%;right:16%;height:2px;background:var(--green-100)}
.step-item{text-align:center;position:relative;z-index:1}
.step-num{width:88px;height:88px;border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 24px;font-family:var(--font-heading);font-size:2rem;font-weight:900;background:var(--gradient-cta);color:#fff;box-shadow:0 8px 24px rgba(27,94,32,.2)}
.step-item h3{font-size:1.05rem;font-family:var(--font-body);font-weight:700;margin-bottom:8px}
.step-item p{font-size:.88rem;color:var(--text-secondary);max-width:280px;margin:0 auto}

/* ===== TESTIMONIALS ===== */
.testimonial-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:24px}
.testimonial{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:32px;position:relative;transition:all var(--transition)}
.testimonial:hover{box-shadow:var(--shadow-hover);border-color:var(--green-200)}
.testimonial::before{content:'\201C';position:absolute;top:20px;right:24px;font-family:var(--font-heading);font-size:4rem;color:var(--green-100);line-height:1}
.testimonial .stars{color:#f59e0b;font-size:1rem;margin-bottom:14px}
.testimonial p{font-size:.92rem;font-style:italic;color:var(--text-secondary);margin-bottom:18px;line-height:1.7}
.testimonial-author{display:flex;align-items:center;gap:12px}
.testimonial-avatar{width:48px;height:48px;border-radius:50%;object-fit:cover;object-position:top;border:2px solid var(--green-100)}
.testimonial-info .name{font-weight:700;font-size:.88rem;color:var(--text-primary)}
.testimonial-info .role{font-size:.78rem;color:var(--text-muted);font-family:var(--font-mono)}

/* ===== LENDER CARDS ===== */
.lender-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:32px;margin-bottom:20px;transition:all var(--transition)}
.lender-card:hover{box-shadow:var(--shadow-md);border-color:var(--green-200)}
.lender-header{display:flex;justify-content:space-between;align-items:flex-start;margin-bottom:18px;flex-wrap:wrap;gap:12px}
.lender-name{font-family:var(--font-heading);font-size:1.2rem;font-weight:700}
.lender-rating{display:flex;align-items:center;gap:6px}
.lender-stars{color:#f59e0b}
.lender-score{font-family:var(--font-mono);font-weight:700;font-size:.9rem}
.lender-details{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:16px;margin-bottom:18px}
.lender-detail-label{font-family:var(--font-mono);font-size:.7rem;text-transform:uppercase;letter-spacing:.1em;color:var(--text-muted);font-weight:600;margin-bottom:4px}
.lender-detail-value{font-size:.95rem;font-weight:700;color:var(--text-primary)}
.lender-desc{font-size:.9rem;color:var(--text-secondary);line-height:1.7}
.lender-pros-cons{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:18px}
.lender-pros h4,.lender-cons h4{font-size:.8rem;margin-bottom:8px;text-transform:uppercase;letter-spacing:.06em}
.lender-pros h4{color:var(--green-400)}
.lender-cons h4{color:#ef4444}
.lender-pros li,.lender-cons li{font-size:.84rem;margin-bottom:4px}

/* ===== BLOG POST ===== */
.post-header{padding:48px 0 28px}
.post-header h1{font-size:clamp(1.7rem,3.5vw,2.4rem);max-width:720px;margin-bottom:16px}
.post-meta{display:flex;align-items:center;gap:16px;flex-wrap:wrap;font-size:.84rem;color:var(--text-muted);font-family:var(--font-mono)}
.post-meta .author{font-weight:600;color:var(--text-primary)}
.post-content{max-width:720px;padding-bottom:48px}
.post-content h2{margin:40px 0 16px}
.post-content h3{margin:32px 0 12px}
.post-content p{font-size:1rem;line-height:1.85}
.post-content img{border-radius:var(--radius-md);margin:32px 0}
.post-content .inline-img{float:right;margin:0 0 24px 32px;max-width:260px;border-radius:var(--radius-md)}
.social-share{display:flex;align-items:center;gap:12px;padding:20px 0;border-top:1px solid var(--border);border-bottom:1px solid var(--border);margin:32px 0}
.social-share span{font-weight:600;font-size:.88rem;font-family:var(--font-mono)}
.social-btn{width:42px;height:42px;border-radius:50%;border:1px solid var(--border);display:flex;align-items:center;justify-content:center;transition:all var(--transition);cursor:pointer;background:none;color:var(--text-muted)}
.social-btn:hover{background:var(--green-500);color:#fff;border-color:var(--green-500)}
.social-btn svg{width:18px;height:18px}
.related-posts{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:48px}
.related-posts h3{grid-column:1/-1;margin-bottom:0}

/* ===== CALCULATOR ===== */
.calc-wrap{background:#fff;border:1px solid var(--border);border-radius:var(--radius-xl);padding:44px;box-shadow:var(--shadow-md)}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:44px}
.calc-input-group{margin-bottom:26px}
.calc-input-group label{display:block;font-family:var(--font-mono);font-weight:600;font-size:.84rem;margin-bottom:10px;text-transform:uppercase;letter-spacing:.06em}
.calc-input-group input[type="range"]{width:100%;height:6px;-webkit-appearance:none;background:var(--green-100);border-radius:var(--radius-xl);outline:none}
.calc-input-group input[type="range"]::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;background:var(--green-400);border-radius:50%;cursor:pointer;box-shadow:0 2px 8px rgba(27,94,32,.3)}
.calc-value{display:flex;justify-content:space-between;font-family:var(--font-mono);font-size:.8rem;color:var(--text-muted);margin-top:8px}
.calc-result{background:var(--cream);border:1px solid var(--border);border-radius:var(--radius-lg);padding:36px;text-align:center}
.calc-result .amount{font-family:var(--font-heading);font-size:3rem;font-weight:900;display:block;margin-bottom:6px;color:var(--green-500)}
.calc-result .label{font-family:var(--font-mono);font-size:.82rem;color:var(--text-muted);text-transform:uppercase;letter-spacing:.08em}
.calc-breakdown{margin-top:24px}
.calc-breakdown-item{display:flex;justify-content:space-between;padding:12px 0;border-bottom:1px solid var(--border);font-size:.9rem;color:var(--text-secondary)}
.calc-breakdown-item:last-child{border-bottom:none;font-weight:700;color:var(--text-primary)}

/* ===== FAQ ===== */
.faq-list{max-width:760px}
.faq-item{border-bottom:1px solid var(--border)}
.faq-question{display:flex;align-items:center;justify-content:space-between;width:100%;padding:22px 0;background:none;border:none;cursor:pointer;font-family:var(--font-body);font-size:1.02rem;font-weight:600;color:var(--text-primary);text-align:left;transition:color var(--transition)}
.faq-question:hover{color:var(--green-400)}
.faq-question svg{width:20px;height:20px;transition:transform var(--transition);flex-shrink:0;margin-left:16px;color:var(--green-400)}
.faq-item.open .faq-question svg{transform:rotate(45deg)}
.faq-answer{max-height:0;overflow:hidden;transition:max-height .4s ease}
.faq-answer-inner{padding:20px 0 22px}
.faq-answer-inner p{font-size:.94rem;color:var(--text-secondary);line-height:1.8}

/* ===== CTA ===== */
.cta-section{background:var(--gradient-cta);padding:72px 0;text-align:center;position:relative;overflow:hidden}
.cta-section::before{content:'';position:absolute;top:-50%;right:-20%;width:500px;height:500px;border-radius:50%;background:rgba(255,255,255,.05)}
.cta-section::after{content:'';position:absolute;bottom:-30%;left:-10%;width:400px;height:400px;border-radius:50%;background:rgba(255,255,255,.04)}
.cta-section h2{color:#fff;position:relative;z-index:1;margin-bottom:12px}
.cta-section p{color:rgba(255,255,255,.8);max-width:560px;margin:0 auto 28px;position:relative;z-index:1}
.cta-section .btn{position:relative;z-index:1}

/* ===== RATING ===== */
.rating-summary{display:flex;align-items:center;gap:24px;justify-content:center;flex-wrap:wrap}
.rating-big{font-family:var(--font-heading);font-size:4.5rem;font-weight:900;color:var(--green-500)}
.rating-bars{flex:1;max-width:320px}
.rating-bar-row{display:flex;align-items:center;gap:10px;margin-bottom:8px;font-family:var(--font-mono);font-size:.78rem;color:var(--text-muted)}
.rating-bar{flex:1;height:8px;background:var(--green-50);border-radius:var(--radius-xl);overflow:hidden}
.rating-bar-fill{height:100%;background:var(--gradient-cta);border-radius:var(--radius-xl);transition:width 1.2s ease}

/* ===== CONTENT WITH IMAGE ===== */
.content-with-image{display:flex;gap:36px;align-items:flex-start;margin:36px 0}
.content-with-image .content-text{flex:1}
.content-with-image .content-img{width:260px;flex-shrink:0;border-radius:var(--radius-lg);overflow:hidden;border:1px solid var(--border)}
.content-with-image .content-img img{width:100%;height:auto;object-fit:cover}

/* ===== LOAN CATEGORY CARDS ===== */
.loan-cat-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:18px}
.loan-cat-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:28px;text-align:center;transition:all var(--transition);text-decoration:none;display:block;position:relative;overflow:hidden}
.loan-cat-card:hover{border-color:var(--green-300);box-shadow:var(--shadow-hover);transform:translateY(-5px)}
.loan-cat-card svg{width:40px;height:40px;margin:0 auto 14px;color:var(--green-400)}
.loan-cat-card h3{font-size:.92rem;font-family:var(--font-body);font-weight:700;color:var(--text-primary);margin-bottom:6px}
.loan-cat-card p{font-size:.8rem;color:var(--text-secondary);margin:0}

/* ===== TICKER ===== */
.ticker{overflow:hidden;background:var(--cream);padding:12px 0;border-bottom:1px solid var(--border);position:relative;z-index:3}
.ticker-inner{display:flex;gap:48px;animation:ticker 35s linear infinite;white-space:nowrap}
@keyframes ticker{from{transform:translateX(0)}to{transform:translateX(-50%)}}
.ticker-item{display:flex;align-items:center;gap:8px;font-family:var(--font-mono);font-size:.78rem;font-weight:500;color:var(--text-muted)}
.ticker-item svg{width:14px;height:14px;color:var(--green-300)}

/* ===== FOOTER ===== */
.footer{background:var(--green-700);color:rgba(255,255,255,.8);padding:64px 0 0}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px;margin-bottom:48px}
.footer-brand p{font-size:.88rem;line-height:1.65;color:rgba(255,255,255,.5);margin-top:12px;max-width:300px}
.footer h4{font-family:var(--font-mono);font-weight:700;font-size:.78rem;text-transform:uppercase;letter-spacing:.12em;margin-bottom:16px;color:rgba(255,255,255,.7)}
.footer ul{list-style:none;padding:0}
.footer li{margin-bottom:10px}
.footer a{color:rgba(255,255,255,.5);font-size:.88rem}
.footer a:hover{color:#86efac}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding:24px 0}
.footer-bottom-inner{display:flex;justify-content:space-between;align-items:flex-start;gap:24px;flex-wrap:wrap}
.footer-bottom p{font-size:.8rem;color:rgba(255,255,255,.35);margin:0}
.disclosure{background:var(--green-600);padding:24px 0;border-top:1px solid rgba(255,255,255,.06)}
.disclosure p{font-size:.74rem;color:rgba(255,255,255,.3);line-height:1.8;max-width:var(--max-w);margin:0 auto;padding:0 24px}

/* ===== SCROLL TO TOP ===== */
.scroll-top{position:fixed;bottom:28px;right:28px;width:50px;height:50px;background:var(--green-500);color:#fff;border:none;border-radius:50%;cursor:pointer;display:flex;align-items:center;justify-content:center;opacity:0;visibility:hidden;transition:all var(--transition);z-index:999;box-shadow:0 4px 16px rgba(27,94,32,.3)}
.scroll-top.visible{opacity:1;visibility:visible}
.scroll-top:hover{transform:translateY(-4px);background:var(--green-400);box-shadow:0 8px 24px rgba(27,94,32,.4)}
.scroll-top svg{width:20px;height:20px}

/* ===== ANIMATIONS ===== */
@keyframes fadeInUp{from{opacity:0;transform:translateY(28px)}to{opacity:1;transform:translateY(0)}}
@keyframes fadeIn{from{opacity:0}to{opacity:1}}
.animate{opacity:0}
.animate.in-view{animation:fadeInUp .65s ease forwards}
.animate-delay-1{animation-delay:.1s}
.animate-delay-2{animation-delay:.2s}
.animate-delay-3{animation-delay:.3s}
.animate-delay-4{animation-delay:.4s}

/* ===== RESPONSIVE ===== */
@media(max-width:860px){
  .page-layout{grid-template-columns:1fr !important;gap:32px}
  .page-sidebar{position:static;max-width:100%}
  .card-grid-3{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
  .calc-grid{grid-template-columns:1fr}
  .lender-pros-cons{grid-template-columns:1fr}
  .feature-grid{grid-template-columns:1fr}
}
@media(max-width:768px){
  .nav-links{display:none;position:fixed;top:var(--nav-h);left:0;right:0;bottom:0;background:#fff;flex-direction:column;padding:24px;gap:0;overflow-y:auto}
  .nav-links.open{display:flex}
  .nav-toggle{display:block}
  .nav-links>li>a{padding:14px 0;font-size:1rem}
  .dropdown{position:static;transform:none;box-shadow:none;border:none;background:var(--mint);border-radius:var(--radius-sm);margin:4px 0 8px;opacity:1;visibility:visible}
  .nav-apply{display:none}
  .hero{min-height:460px}
  .section{padding:56px 0}
  .card-grid-2,.card-grid-3{grid-template-columns:1fr}
  .steps-grid{grid-template-columns:1fr;gap:24px}
  .steps-grid::before{display:none}
  .stats-bar-inner{gap:32px}
  .testimonial-grid{grid-template-columns:1fr}
  .related-posts{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .content-with-image{flex-direction:column}
  .content-with-image .content-img{width:100%;max-width:300px}
  .loan-cat-grid{grid-template-columns:1fr 1fr}
  .post-content .inline-img{float:none;margin:24px 0;max-width:100%}
  .hero-deco,.hero-deco2{display:none}
}


/* ===== VISUAL EFFECTS — Electronic Modern ===== */

/* Animated gradient border for feature boxes on hover */
.feature-box::before {
  content: '';
  position: absolute;
  inset: -2px;
  border-radius: calc(var(--radius-lg) + 2px);
  background: linear-gradient(135deg, var(--green-300), var(--green-100), var(--green-400));
  z-index: -1;
  opacity: 0;
  transition: opacity .4s ease;
}
.feature-box:hover::before { opacity: 1; }
.feature-box { position: relative; z-index: 0; background: var(--white); }

/* Glowing pulse dot for stats */
.stat-pulse {
  display: inline-block;
  width: 10px; height: 10px;
  background: var(--green-300);
  border-radius: 50%;
  margin-right: 8px;
  animation: pulse-glow 2s ease-in-out infinite;
  vertical-align: middle;
}
@keyframes pulse-glow {
  0%, 100% { box-shadow: 0 0 4px var(--green-300); opacity: 1; }
  50% { box-shadow: 0 0 16px var(--green-200); opacity: .6; }
}

/* Content section dividers — curved wave */
.wave-divider {
  width: 100%;
  height: 40px;
  position: relative;
  overflow: hidden;
  margin: 32px 0;
}
.wave-divider::before {
  content: '';
  position: absolute;
  width: 200%;
  height: 100%;
  background: repeating-linear-gradient(
    90deg,
    transparent,
    transparent 25%,
    var(--green-50) 25%,
    var(--green-50) 50%
  );
  border-radius: 50% 50% 0 0 / 100% 100% 0 0;
  animation: wave-shift 8s linear infinite;
}
@keyframes wave-shift { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* Highlighted stat cards */
.stat-card {
  background: linear-gradient(135deg, var(--green-50) 0%, var(--white) 100%);
  border: 1px solid var(--green-100);
  border-radius: var(--radius-lg);
  padding: 24px 28px;
  text-align: center;
  transition: all var(--transition);
}
.stat-card:hover {
  border-color: var(--green-300);
  box-shadow: 0 8px 32px rgba(46,125,50,.1);
  transform: translateY(-4px);
}
.stat-card .stat-number {
  font-family: var(--font-heading);
  font-size: 2rem;
  font-weight: 900;
  color: var(--green-500);
  display: block;
}
.stat-card .stat-text {
  font-family: var(--font-mono);
  font-size: .75rem;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: .08em;
  margin-top: 4px;
}

/* Accent line for headings */
.accent-line {
  display: block;
  width: 60px;
  height: 4px;
  background: var(--gradient-cta);
  border-radius: 99px;
  margin: 12px 0 20px;
}
.accent-line-center {
  margin-left: auto;
  margin-right: auto;
}

/* Icon badges row */
.icon-badges {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin: 24px 0;
}
.icon-badge {
  display: flex;
  align-items: center;
  gap: 10px;
  background: var(--green-50);
  border: 1px solid var(--green-100);
  border-radius: var(--radius-xl);
  padding: 10px 20px;
  font-size: .85rem;
  font-weight: 600;
  color: var(--green-500);
  transition: all var(--transition);
}
.icon-badge:hover {
  background: var(--green-100);
  transform: translateY(-2px);
  box-shadow: 0 4px 12px rgba(46,125,50,.1);
}
.icon-badge svg { width: 18px; height: 18px; color: var(--green-400); }

/* Pull quote for blog posts */
.pull-quote {
  border-left: 4px solid var(--green-400);
  padding: 20px 24px;
  margin: 32px 0;
  background: var(--green-50);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  font-family: var(--font-heading);
  font-size: 1.15rem;
  font-weight: 500;
  color: var(--green-500);
  font-style: italic;
  line-height: 1.6;
}

/* Numbered highlight list */
.highlight-list {
  counter-reset: hl;
  list-style: none;
  padding: 0;
  margin: 24px 0;
}
.highlight-list li {
  counter-increment: hl;
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 16px 0;
  border-bottom: 1px solid var(--border);
  color: var(--text-secondary);
}
.highlight-list li::before {
  content: counter(hl);
  flex-shrink: 0;
  width: 36px;
  height: 36px;
  background: var(--gradient-cta);
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-weight: 900;
  font-size: .9rem;
}

/* Progress indicator */
.progress-bar-visual {
  height: 8px;
  background: var(--green-50);
  border-radius: var(--radius-xl);
  overflow: hidden;
  margin: 8px 0 16px;
}
.progress-fill {
  height: 100%;
  background: var(--gradient-cta);
  border-radius: var(--radius-xl);
  transition: width 1.5s ease;
}

/* Info callout box */
.callout-box {
  display: flex;
  gap: 16px;
  background: linear-gradient(135deg, var(--green-50), var(--mint));
  border: 1px solid var(--green-100);
  border-radius: var(--radius-lg);
  padding: 24px;
  margin: 28px 0;
}
.callout-box svg {
  width: 32px;
  height: 32px;
  color: var(--green-400);
  flex-shrink: 0;
  margin-top: 2px;
}
.callout-box .callout-content { flex: 1; }
.callout-box .callout-content p { margin: 0; font-size: .92rem; }
.callout-box .callout-title {
  font-weight: 700;
  color: var(--green-500);
  margin-bottom: 6px;
  font-size: .95rem;
}

/* Animated counter cards in a row */
.counter-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin: 28px 0;
}

/* Step indicator dots */
.step-dots {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin: 20px 0;
}
.step-dot {
  width: 12px; height: 12px;
  border-radius: 50%;
  background: var(--green-100);
  transition: all .3s ease;
}
.step-dot.active {
  background: var(--green-400);
  box-shadow: 0 0 8px rgba(76,175,80,.4);
  width: 32px;
  border-radius: var(--radius-xl);
}

/* Sidebar image hover zoom */
.sidebar-box img {
  transition: transform .5s ease;
}
.sidebar-box:hover img {
  transform: scale(1.04);
}


/* ===== FORM GLOBAL ROUNDING — Electronic Modern ===== */
/* External form embed */
#_lg_form_ {
  border-radius: var(--radius-lg);
  overflow: hidden;
}
#_lg_form_ iframe,
#_lg_form_ > div {
  border-radius: var(--radius-lg) !important;
  overflow: hidden;
}

/* All inputs, selects, textareas in the site */
input, select, textarea {
  border-radius: var(--radius-sm) !important;
}
input[type="submit"], input[type="button"], button[type="submit"] {
  border-radius: var(--radius-xl) !important;
}

/* Form wrapper on pages */
.form-area .container {
  max-width: 720px;
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 40px 36px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--border);
}

/* Ensure no sharp corners anywhere */
.section-alt {
  border-radius: 0;
}
.section-alt > .container > div[style*="border-radius"] {
  overflow: hidden;
}

/* Calculator wrap already rounded but ensure */
.calc-wrap {
  border-radius: var(--radius-xl) !important;
  overflow: hidden;
}
.calc-result {
  border-radius: var(--radius-lg) !important;
}

/* Lender cards */
.lender-card {
  border-radius: var(--radius-lg) !important;
}

/* FAQ items */
.faq-list {
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--border);
}
.faq-item:first-child .faq-question {
  border-radius: var(--radius-lg) var(--radius-lg) 0 0;
}
.faq-item:last-child {
  border-bottom: none;
}

/* Callout boxes ensure rounded */
.callout-box {
  border-radius: var(--radius-lg) !important;
}

/* Stat cards */
.stat-card {
  border-radius: var(--radius-lg) !important;
}

/* Sidebar boxes */
.sidebar-box {
  border-radius: var(--radius-lg) !important;
  overflow: hidden;
}

/* Rating bars container */
.rating-bar {
  border-radius: var(--radius-xl) !important;
}

/* Social buttons */
.social-btn {
  border-radius: 50% !important;
}

/* Steps numbers */
.step-num {
  border-radius: 50% !important;
}

/* Tags */
.tag, .card-tag {
  border-radius: var(--radius-xl) !important;
}

/* Footer disclosure rounded top */
.disclosure {
  border-radius: var(--radius-xl) var(--radius-xl) 0 0;
}

/* ===== SPACING FIXES — heading/content breathing room ===== */
h2 + h3 { margin-top: 1rem; }
h2 + p { margin-top: .75rem; }
h3 + p { margin-top: .5rem; }
.page-main h2 { margin-top: 2.5rem; }
.page-main h2:first-child { margin-top: 0; }
.page-main > div > h2 { margin-top: 2.5rem; }
.post-content h2 { margin-top: 2.5rem; margin-bottom: 1rem; }
.post-content h3 { margin-top: 2rem; margin-bottom: .75rem; }
.post-content p { margin-bottom: 1.2rem; }
.page-main > div + div { margin-top: 2rem; }
.pull-quote { margin: 2rem 0; }
.callout-box { margin: 2rem 0; }
.highlight-list { margin: 1.5rem 0; }
.icon-badges { margin: 1.5rem 0; }
.counter-row { margin: 2rem 0; }

/* ===== LENDER CARD TIGHTENING ===== */
.lender-card { overflow: hidden; }
.lender-desc { margin-bottom: 0; }
.lender-pros-cons { margin-top: 16px; margin-bottom: 0; padding-bottom: 0; }
.lender-pros ul, .lender-cons ul { margin-bottom: 0; padding-bottom: 0; }
.lender-pros li:last-child, .lender-cons li:last-child { margin-bottom: 0; }

@media(max-width:768px){
  .counter-row { grid-template-columns: repeat(2, 1fr); }
}
@media(max-width:480px){
  .counter-row { grid-template-columns: 1fr; }
}

/* ===== COMPARE PAGE LENDER FIX ===== */
.lender-card {
  height: auto !important;
  min-height: 0 !important;
  overflow: visible;
}
.lender-card .lender-pros-cons {
  margin-bottom: 0;
  padding-bottom: 0;
}
.lender-card .lender-desc {
  margin-bottom: 12px;
}
.lender-card .lender-pros ul,
.lender-card .lender-cons ul {
  margin: 0;
  padding-left: 1.2rem;
}

/* ===== FAQ LEFT PADDING FIX ===== */
.faq-list {
  padding-left: 0;
}
.faq-item {
  padding-left: 24px;
  padding-right: 24px;
}
.faq-question {
  padding-left: 0;
}
.faq-answer-inner {
  padding-left: 0;
  padding-right: 40px;
}

/* ===== SIDEBAR IMAGE & OVERFLOW FIX ===== */
.page-sidebar {
  max-width: var(--sidebar-w);
  overflow: hidden;
}
.page-sidebar .sidebar-box img {
  max-height: 400px;
  width: 100%;
  object-fit: cover;
  object-position: top center;
}
.page-sidebar .sidebar-box {
  max-width: 100%;
  overflow: hidden;
}
.page-main {
  min-width: 0;
  overflow-wrap: break-word;
}
/* Ensure grid doesn't break on content overflow */
.page-layout {
  overflow: hidden;
}
@media(min-width:861px){
  .page-layout {
    grid-template-columns: 1fr var(--sidebar-w) !important;
  }
  .page-sidebar {
    width: var(--sidebar-w);
    max-width: var(--sidebar-w);
  }
}

/* ===== RELATED POSTS SPACING FIX ===== */
.related-posts {
  margin-top: 3rem;
  margin-bottom: 2.5rem;
  padding-bottom: 2rem;
  border-bottom: 1px solid var(--border);
}
.related-posts h3 {
  margin-bottom: 1.2rem;
}
.related-posts .card {
  margin-bottom: 0;
}