/* =========================================================
   MyFinanceCare – site styles (navy + gold)
   ========================================================= */
:root {
    --navy-950: #081629;
    --navy-900: #0B1E3A;
    --navy-800: #132C52;
    --navy-700: #1D3C69;
    --gold: #D4A63A;
    --gold-deep: #A97F1C;
    --gold-soft: #F6ECD2;
    --paper: #F3F5F8;
    --white: #FFFFFF;
    --ink: #142036;
    --body: #39465B;
    --muted: #64728A;
    --line: #DCE2EA;
    --ok: #17704A;
    --err: #B3261E;

    --serif: "Newsreader", Georgia, "Times New Roman", serif;
    --sans: "Figtree", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;

    --wrap: 1180px;
    --gut: 20px;
    --r-sm: 8px;
    --r: 12px;
    --r-lg: 18px;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 84px; }
body {
    margin: 0;
    font-family: var(--sans);
    font-size: 17px;
    line-height: 1.6;
    color: var(--body);
    background: var(--white);
    -webkit-font-smoothing: antialiased;
}
img, svg { display: block; max-width: 100%; }
a { color: var(--navy-700); text-underline-offset: 3px; }
a:hover { color: var(--gold-deep); }
h1, h2, h3 { color: var(--ink); margin: 0 0 .5em; line-height: 1.2; }
h1, h2 { font-family: var(--serif); font-weight: 600; letter-spacing: -.01em; }
h1 { font-size: clamp(2rem, 4.4vw, 3.25rem); line-height: 1.1; }
h2 { font-size: clamp(1.6rem, 2.8vw, 2.25rem); }
h3 { font-size: 1.08rem; font-weight: 700; }
p { margin: 0 0 1em; }
ul, ol { margin: 0; padding: 0; }
button, input, select, textarea { font: inherit; color: inherit; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; border-radius: 4px; }
.ic { flex: none; }
[hidden] { display: none !important; }

.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 var(--gut); }
.wrap-narrow { max-width: 780px; }
.skip { position: absolute; left: -999px; top: 8px; background: var(--gold); color: var(--navy-950); padding: 8px 14px; border-radius: var(--r-sm); z-index: 100; }
.skip:focus { left: 8px; }

/* ---------- Buttons ---------- */
.btn {
    display: inline-flex; align-items: center; justify-content: center; gap: 8px;
    min-height: 48px; padding: 12px 22px;
    border-radius: 10px; border: 1.5px solid transparent;
    font-weight: 700; font-size: 1rem; line-height: 1.2; text-decoration: none;
    cursor: pointer; white-space: nowrap; transition: background-color .15s, color .15s, border-color .15s;
}
.btn-sm { min-height: 40px; padding: 8px 16px; font-size: .94rem; }
.btn-block { width: 100%; }
.btn-gold { background: var(--gold); color: var(--navy-950); }
.btn-gold:hover { background: #E2B547; color: var(--navy-950); }
.btn-navy { background: var(--navy-900); color: var(--white); }
.btn-navy:hover { background: var(--navy-700); color: var(--white); }
.btn-ghost { border-color: rgba(246, 236, 210, .45); color: var(--gold-soft); background: transparent; }
.btn-ghost:hover { border-color: var(--gold); color: var(--white); }
.btn-line { border-color: var(--line); color: var(--ink); background: var(--white); }
.btn-line:hover { border-color: var(--navy-700); color: var(--navy-900); }
.link { background: none; border: 0; padding: 4px 0; color: var(--navy-700); font-weight: 600; text-decoration: underline; text-underline-offset: 3px; cursor: pointer; }
.link:hover { color: var(--gold-deep); }

/* ---------- Header ---------- */
.hdr { position: sticky; top: 0; z-index: 50; background: var(--white); border-bottom: 1px solid var(--line); }
.hdr-in { display: flex; align-items: center; gap: 24px; min-height: 72px; }
.logo { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; color: var(--navy-900); }
.logo-mark { width: 38px; height: 38px; flex: none; }
.logo-word { font-family: var(--serif); font-size: 1.45rem; font-weight: 600; letter-spacing: -.01em; }
.logo-word b { font-weight: 600; color: var(--gold-deep); }
.nav { margin-left: auto; }
.nav ul { list-style: none; display: flex; gap: 2px; }
.nav ul a { display: block; padding: 8px 9px; border-radius: var(--r-sm); text-decoration: none; color: var(--body); font-weight: 600; font-size: .95rem; white-space: nowrap; }
.nav ul a:hover { color: var(--navy-900); background: var(--paper); }
.nav ul a[aria-current="page"] { color: var(--navy-900); box-shadow: inset 0 -2px 0 var(--gold); border-radius: 0; }
.nav-mobile-cta { display: none; }
.hdr-actions { display: flex; align-items: center; gap: 12px; }
.hdr-phone { display: inline-flex; align-items: center; gap: 6px; color: var(--navy-900); font-weight: 700; text-decoration: none; white-space: nowrap; }
.nav-toggle { display: none; width: 44px; height: 44px; border: 1px solid var(--line); border-radius: 10px; background: var(--white); align-items: center; justify-content: center; cursor: pointer; color: var(--navy-900); }
.nav-toggle .i-close { display: none; }
.nav-open .nav-toggle .i-open { display: none; }
.nav-open .nav-toggle .i-close { display: block; }

@media (max-width: 1440px) { .hdr-phone span { display: none; } }
@media (max-width: 1200px) {
    .nav { position: fixed; inset: 72px 0 0 0; background: var(--white); padding: 12px var(--gut) 24px; overflow-y: auto; display: none; }
    .nav-open .nav { display: block; }
    .nav ul { flex-direction: column; gap: 0; }
    .nav ul a { padding: 14px 4px; font-size: 1.08rem; border-bottom: 1px solid var(--line); border-radius: 0; }
    .nav ul a[aria-current="page"] { box-shadow: inset 3px 0 0 var(--gold); padding-left: 14px; }
    .nav-mobile-cta { display: grid; gap: 10px; margin-top: 20px; }
    .nav-toggle { display: inline-flex; }
    .hdr-actions { margin-left: auto; }
    .nav-open { overflow: hidden; }
}
@media (max-width: 520px) {
    .hdr-cta { display: none; }
    .logo-word { font-size: 1.25rem; }
    .logo-mark { width: 34px; height: 34px; }
}

/* ---------- Hero ---------- */
.hero { background: var(--navy-900); color: #C9D3E3; position: relative; overflow: hidden; }
.hero::before {
    /* faint ledger lines – a nod to bank rate boards */
    content: ""; position: absolute; inset: 0; pointer-events: none;
    background-image: repeating-linear-gradient(0deg, rgba(212, 166, 58, .06) 0 1px, transparent 1px 44px);
    mask-image: linear-gradient(90deg, transparent 0%, #000 60%);
}
.hero h1, .hero h2 { color: var(--white); }
.hero .lead { font-size: 1.15rem; color: #C9D3E3; max-width: 60ch; }
.hero-in { position: relative; display: grid; grid-template-columns: 1.1fr .9fr; gap: 56px; align-items: center; padding: 72px var(--gut) 80px; }
.hero-copy h1 { max-width: 21ch; font-size: clamp(2rem, 3.8vw, 3rem); }
.hero-btns { display: flex; flex-wrap: wrap; gap: 12px; margin: 28px 0 24px; }
.hero-points { list-style: none; display: flex; flex-wrap: wrap; gap: 8px 22px; font-weight: 600; color: var(--gold-soft); font-size: .97rem; }
.hero-points li { display: inline-flex; align-items: center; gap: 6px; }
.hero-points .ic { color: var(--gold); }

/* Rate board */
.board { position: relative; background: var(--navy-950); border: 1px solid rgba(212, 166, 58, .35); border-radius: var(--r-lg); padding: 8px 0 0; box-shadow: 0 30px 60px -30px rgba(0, 0, 0, .6); }
.board-head { display: flex; justify-content: space-between; gap: 12px; padding: 14px 24px 14px; color: var(--gold); font-weight: 600; font-size: .92rem; border-bottom: 2px solid var(--gold); margin: 0 0 4px; }
.board-head span:last-child { color: #8E9CB4; font-weight: 500; }
.board-rows { list-style: none; }
.board-rows li + li { border-top: 1px dashed rgba(212, 166, 58, .22); }
.board-rows a { display: grid; grid-template-columns: 1fr auto; grid-template-areas: "loan rate" "meta rate"; gap: 0 16px; padding: 16px 24px; text-decoration: none; color: inherit; transition: background-color .15s; }
.board-rows a:hover { background: rgba(212, 166, 58, .07); }
.board-loan { grid-area: loan; display: inline-flex; align-items: center; gap: 10px; color: var(--white); font-weight: 700; font-size: 1.05rem; }
.board-loan .ic { color: var(--gold); }
.board-meta { grid-area: meta; color: #8E9CB4; font-size: .88rem; padding-left: 30px; }
.board-rate { grid-area: rate; align-self: center; font-family: var(--serif); font-size: 2.3rem; line-height: 1; color: var(--gold); font-variant-numeric: lining-nums tabular-nums; white-space: nowrap; }
.board-rate small { font-family: var(--sans); font-size: .8rem; color: #8E9CB4; font-weight: 500; margin-right: 2px; }
.board-rate i { font-style: normal; font-size: 1.3rem; margin-left: 1px; }
.board-foot { margin: 0; padding: 12px 24px 16px; font-size: .82rem; color: #7F8DA6; border-top: 1px solid rgba(255, 255, 255, .06); }

/* Sub-page hero */
.hero-sub { padding: 0; }
.hero-sub > .wrap { position: relative; padding-top: 28px; padding-bottom: 56px; }
.hero-slim > .wrap { padding-bottom: 44px; }
.hero-slim h1 { margin-top: 18px; }
.crumbs { display: flex; flex-wrap: wrap; gap: 8px; font-size: .9rem; color: #8E9CB4; }
.crumbs a { color: var(--gold-soft); text-decoration: none; }
.crumbs a:hover { color: var(--gold); text-decoration: underline; }
.sub-in { display: grid; grid-template-columns: 1.3fr .7fr; gap: 48px; align-items: end; margin-top: 22px; }
.sub-in h1 { max-width: 20ch; }
.facts { margin: 0; background: var(--navy-950); border: 1px solid rgba(212, 166, 58, .35); border-radius: var(--r-lg); overflow: hidden; }
.facts > div { display: flex; justify-content: space-between; align-items: baseline; gap: 16px; padding: 13px 20px; border-top: 1px dashed rgba(212, 166, 58, .22); }
.facts > div:first-child { border-top: 0; }
.facts dt { color: #8E9CB4; font-size: .9rem; }
.facts dd { margin: 0; color: var(--white); font-weight: 700; text-align: right; }
.facts .fact-main { display: block; padding: 18px 20px 16px; border-bottom: 2px solid var(--gold); }
.facts .fact-main dt { color: var(--gold); font-weight: 600; }
.facts .fact-main dd { text-align: left; font-family: var(--serif); font-weight: 500; font-size: 3rem; line-height: 1.05; color: var(--gold); font-variant-numeric: lining-nums; }
.facts .fact-main dd i { font-style: normal; font-family: var(--sans); font-size: 1rem; color: #C9D3E3; margin-left: 6px; }
.notice { background: rgba(212, 166, 58, .14); color: var(--gold-soft); padding: 10px 14px; border-radius: var(--r-sm); display: inline-block; }

/* ---------- Sections ---------- */
.sec { padding: 80px 0; }
.sec-paper { background: var(--paper); }
.sec-head { max-width: 720px; margin-bottom: 36px; }
.sec-head p { color: var(--muted); font-size: 1.05rem; }
.sec-head-row { max-width: none; display: flex; justify-content: space-between; align-items: baseline; gap: 16px; }
.link-more { display: inline-flex; align-items: center; gap: 6px; font-weight: 700; text-decoration: none; white-space: nowrap; }
.fine { font-size: .88rem; color: var(--muted); margin-top: 14px; }

/* Panels + forms */
.panel { background: var(--white); border: 1px solid var(--line); border-radius: var(--r-lg); padding: 28px; }
.form-panel { box-shadow: 0 24px 48px -32px rgba(11, 30, 58, .35); border-top: 4px solid var(--gold); }
.panel-title { font-size: 1.6rem; margin-bottom: 4px; }
.panel-sub { color: var(--muted); margin-bottom: 20px; }

.enq { display: grid; gap: 14px; position: relative; }
.fld { display: grid; gap: 6px; min-width: 0; }
.fld-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.fld label { font-weight: 600; color: var(--ink); font-size: .94rem; }
.opt { font-weight: 400; color: var(--muted); }
.fld input, .fld select, .fld textarea {
    width: 100%; min-height: 48px; padding: 11px 14px;
    background: var(--white); border: 1.5px solid var(--line); border-radius: 10px;
    font-size: 1rem; color: var(--ink);
}
.fld textarea { resize: vertical; }
.fld select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%2364728A' stroke-width='2.5'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 40px; }
.fld input:focus, .fld select:focus, .fld textarea:focus { border-color: var(--navy-700); outline: 3px solid rgba(212, 166, 58, .45); outline-offset: 0; }
.fld input[aria-invalid="true"] { border-color: var(--err); }
.consent { display: flex; gap: 10px; font-size: .88rem; color: var(--muted); align-items: flex-start; cursor: pointer; }
.consent input { width: 18px; height: 18px; margin-top: 2px; accent-color: var(--navy-900); flex: none; }
.enq-error { margin: 0; padding: 10px 14px; border-radius: 10px; background: #FCEDEC; color: var(--err); font-weight: 600; font-size: .94rem; }
.enq-note { display: flex; align-items: center; gap: 6px; margin: 0; font-size: .84rem; color: var(--muted); }
.enq-note .ic { color: var(--ok); }
.enq-lender { display: flex; justify-content: space-between; align-items: center; gap: 10px; padding: 10px 14px; border-radius: 10px; background: var(--gold-soft); color: var(--ink); font-size: .94rem; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.enq.is-sending button[type="submit"] { opacity: .7; pointer-events: none; }
.enq.is-done > :not(.enq-done) { display: none !important; }
.enq-done { text-align: center; padding: 12px 0; }
.enq-done h3 { font-family: var(--serif); font-size: 1.5rem; font-weight: 600; margin: 12px 0 6px; }
.enq-done-mark { width: 56px; height: 56px; margin: 0 auto; border-radius: 50%; background: #E3F2EA; color: var(--ok); display: grid; place-items: center; }

/* Callback + steps (home) */
.callback-grid, .apply-grid { display: grid; grid-template-columns: 1fr 460px; gap: 64px; align-items: start; }
.steps { list-style: none; counter-reset: s; margin-top: 28px; }
.steps li { counter-increment: s; position: relative; padding: 0 0 28px 64px; }
.steps li::before {
    content: counter(s); position: absolute; left: 0; top: -4px; width: 42px; height: 42px; border-radius: 50%;
    display: grid; place-items: center; font-family: var(--serif); font-size: 1.3rem; font-weight: 600;
    color: var(--navy-900); background: var(--gold-soft); border: 1.5px solid var(--gold);
}
.steps li::after { content: ""; position: absolute; left: 20px; top: 44px; bottom: 4px; width: 2px; background: var(--line); }
.steps li:last-child { padding-bottom: 0; }
.steps li:last-child::after { display: none; }
.steps h3 { font-size: 1.15rem; margin-bottom: 4px; }
.steps p { margin: 0; color: var(--muted); }

/* Loan links (home) */
.loan-links { display: grid; border-top: 1px solid var(--line); }
.loan-link { display: grid; grid-template-columns: 56px 1fr auto 32px; gap: 20px; align-items: center; padding: 22px 8px; border-bottom: 1px solid var(--line); text-decoration: none; color: inherit; transition: background-color .15s; }
.loan-link:hover { background: var(--white); color: inherit; }
.loan-link-ic { width: 52px; height: 52px; border-radius: 14px; display: grid; place-items: center; background: var(--navy-900); color: var(--gold); }
.loan-link-body strong { display: block; font-family: var(--serif); font-size: 1.45rem; font-weight: 600; color: var(--ink); line-height: 1.25; }
.loan-link-body span { color: var(--muted); }
.loan-link-rate { color: var(--muted); white-space: nowrap; }
.loan-link-rate b { font-family: var(--serif); font-size: 1.7rem; font-weight: 600; color: var(--navy-900); margin-left: 4px; font-variant-numeric: lining-nums; }
.loan-link-go { color: var(--gold-deep); }
.loan-link:hover .loan-link-go { transform: translateX(3px); transition: transform .15s; }

/* Why */
.why { display: grid; grid-template-columns: repeat(4, 1fr); gap: 36px; }
.why .ic { color: var(--gold-deep); margin-bottom: 14px; }
.why h3 { font-size: 1.12rem; }
.why p { color: var(--muted); margin: 0; }

/* Lenders */
.lender-list { list-style: none; columns: 4 220px; column-gap: 32px; }
.lender-list li { break-inside: avoid; padding: 10px 0; border-bottom: 1px solid var(--line); font-weight: 600; color: var(--ink); }

/* Guides */
.guides { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.guides-all { grid-template-columns: repeat(2, 1fr); }
.guide { display: flex; flex-direction: column; gap: 8px; padding: 26px; border: 1px solid var(--line); border-radius: var(--r-lg); background: var(--white); text-decoration: none; color: inherit; transition: border-color .15s; }
.guide:hover { border-color: var(--gold); color: inherit; }
.guide h3 { font-family: var(--serif); font-size: 1.35rem; font-weight: 600; margin: 0; }
.guide p { margin: 0; color: var(--muted); flex: 1; }
.guide-tag { align-self: flex-start; font-size: .82rem; font-weight: 700; color: var(--gold-deep); }
.guide-meta { font-size: .86rem; color: var(--muted); }

/* CTA band */
.cta { background: var(--navy-950); color: #C9D3E3; padding: 56px 0; border-top: 3px solid var(--gold); }
.cta-in { display: flex; justify-content: space-between; align-items: center; gap: 32px; flex-wrap: wrap; }
.cta h2 { color: var(--white); margin-bottom: 6px; }
.cta p { margin: 0; }
.cta-btns { display: flex; gap: 12px; flex-wrap: wrap; }

/* ---------- Loan page: offers ---------- */
.offer-tools { display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap; margin-bottom: 18px; }
.chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chip { display: inline-flex; align-items: center; gap: 6px; min-height: 40px; padding: 8px 16px; border-radius: 999px; border: 1.5px solid var(--line); background: var(--white); font-weight: 600; font-size: .92rem; color: var(--body); cursor: pointer; }
.chip span { color: var(--muted); font-weight: 500; }
.chip:hover { border-color: var(--navy-700); }
.chip[aria-pressed="true"] { background: var(--navy-900); border-color: var(--navy-900); color: var(--white); }
.chip[aria-pressed="true"] span { color: var(--gold); }
.sort { display: inline-flex; align-items: center; gap: 10px; font-weight: 600; color: var(--muted); }
.sort select { min-height: 40px; border: 1.5px solid var(--line); border-radius: 10px; padding: 6px 12px; background: var(--white); color: var(--ink); font-weight: 600; }

.offers { list-style: none; border: 1px solid var(--line); border-radius: var(--r-lg); overflow: hidden; background: var(--white); }
.offer + .offer { border-top: 1px solid var(--line); }
.offer-main { display: grid; grid-template-columns: minmax(180px, 1.2fr) 170px minmax(0, 2fr) 150px; gap: 24px; align-items: center; padding: 20px 24px; }
.offer-who h3 { font-size: 1.1rem; margin: 0 0 2px; }
.offer-type { font-size: .86rem; color: var(--muted); }
.offer-rate span { display: block; font-size: .8rem; color: var(--muted); }
.offer-rate strong { font-family: var(--serif); font-size: 1.4rem; font-weight: 600; color: var(--navy-900); line-height: 1.2; font-variant-numeric: lining-nums; white-space: nowrap; }
.offer-terms { margin: 0; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; }
.offer-terms dt { font-size: .8rem; color: var(--muted); }
.offer-terms dd { margin: 0; font-weight: 600; color: var(--ink); font-size: .93rem; line-height: 1.35; }
.offer-act { display: grid; gap: 6px; justify-items: center; }
.offer-act .btn { width: 100%; }
.offer-extra { padding: 0 24px 22px; display: grid; grid-template-columns: 1fr 1.4fr; gap: 24px; }
.offer-extra p { margin: 0; color: var(--muted); }
.offer-extra ul { list-style: none; display: grid; grid-template-columns: 1fr 1fr; gap: 6px 18px; }
.offer-extra li { display: flex; gap: 8px; align-items: flex-start; font-size: .94rem; }
.offer-extra .ic { color: var(--ok); margin-top: 4px; }
.offer.is-open { background: #FBFCFE; }
.offer.is-picked { box-shadow: inset 4px 0 0 var(--gold); }

/* Benefits / purposes */
.benefits { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; border-top: 1px solid var(--line); }
.benefit { padding: 26px 28px 26px 0; border-bottom: 1px solid var(--line); }
.benefit h3 { font-family: var(--serif); font-size: 1.3rem; font-weight: 600; margin-bottom: 6px; }
.benefit p { margin: 0; color: var(--muted); }
.purposes { display: flex; flex-wrap: wrap; align-items: center; gap: 10px 14px; margin-top: 32px; }
.purposes > span { font-weight: 700; color: var(--ink); }
.purposes ul { list-style: none; display: flex; flex-wrap: wrap; gap: 8px; }
.purposes li { padding: 6px 14px; border-radius: 999px; background: var(--white); border: 1px solid var(--line); font-size: .92rem; }

/* Two columns: eligibility + documents */
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; }
.checklist h2 { font-size: 1.8rem; }
.checklist ul { list-style: none; display: grid; gap: 4px; }
.checklist li { display: flex; gap: 12px; padding: 12px 0; border-bottom: 1px solid var(--line); }
.checklist .ic { color: var(--gold-deep); margin-top: 3px; }

/* FAQ */
.faq h2 { margin-bottom: 16px; }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { list-style: none; display: flex; justify-content: space-between; gap: 16px; align-items: center; padding: 18px 0; cursor: pointer; font-weight: 700; color: var(--ink); font-size: 1.04rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary .ic { color: var(--gold-deep); transition: transform .2s; }
.faq details[open] summary .ic { transform: rotate(45deg); }
.faq details p { margin: 0 0 18px; color: var(--body); max-width: 65ch; }

/* ---------- EMI calculator ---------- */
.emi { display: grid; grid-template-columns: 1.2fr .8fr; gap: 32px; align-items: start; }
.emi-presets { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 26px; }
.rng + .rng { margin-top: 28px; }
.rng-top { display: flex; justify-content: space-between; align-items: center; gap: 12px; margin-bottom: 10px; }
.rng-top label { font-weight: 700; color: var(--ink); }
.rng-val { display: inline-flex; align-items: center; gap: 6px; font-weight: 700; color: var(--navy-900); background: var(--paper); border: 1.5px solid var(--line); border-radius: 10px; padding: 4px 12px; }
.rng-val input { width: 9ch; border: 0; background: transparent; font-weight: 700; color: var(--navy-900); text-align: right; padding: 4px 0; }
.rng-val input:focus { outline: none; }
.rng-val:focus-within { border-color: var(--navy-700); }
.rng input[type="range"] { width: 100%; accent-color: var(--gold-deep); height: 28px; }
.rng-ends { display: flex; justify-content: space-between; font-size: .82rem; color: var(--muted); }
.emi-result { background: var(--navy-900); color: #C9D3E3; border-radius: var(--r-lg); padding: 28px; position: sticky; top: 96px; }
.emi-big { border-bottom: 2px solid var(--gold); padding-bottom: 18px; margin-bottom: 18px; }
.emi-big span { color: var(--gold); font-weight: 600; }
.emi-big strong { display: block; font-family: var(--serif); font-weight: 500; font-size: clamp(2.4rem, 5vw, 3.2rem); color: var(--white); line-height: 1.1; font-variant-numeric: lining-nums tabular-nums; }
.emi-bar { display: flex; height: 10px; border-radius: 99px; background: #8E9CB4; overflow: hidden; margin-bottom: 16px; }
.emi-bar span { background: var(--gold); width: 50%; transition: width .3s; }
.emi-split dl { margin: 0 0 22px; }
.emi-split dl > div { display: flex; justify-content: space-between; gap: 12px; padding: 8px 0; }
.emi-split dt { display: inline-flex; align-items: center; gap: 8px; }
.emi-split dd { margin: 0; color: var(--white); font-weight: 700; font-variant-numeric: tabular-nums; }
.emi-total { border-top: 1px dashed rgba(212, 166, 58, .35); margin-top: 6px; padding-top: 12px !important; }
.dot { width: 10px; height: 10px; border-radius: 50%; display: inline-block; }
.dot-p { background: var(--gold); }
.dot-i { background: #8E9CB4; }
.emi-result .fine { color: #8E9CB4; }
.schedule { margin-top: 56px; }
.table-scroll { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--r-lg); }
.sched { width: 100%; border-collapse: collapse; font-variant-numeric: tabular-nums; min-width: 560px; }
.sched th, .sched td { padding: 12px 18px; text-align: right; border-bottom: 1px solid var(--line); white-space: nowrap; }
.sched th:first-child, .sched td:first-child { text-align: left; }
.sched thead th { background: var(--paper); color: var(--muted); font-size: .88rem; font-weight: 600; }
.sched tr.yr { cursor: pointer; }
.sched tr.yr:hover td { background: #FBFCFE; }
.sched tr.yr td:first-child { font-weight: 700; color: var(--navy-900); }
.sched tr.yr td:first-child::before { content: "+"; display: inline-block; width: 1.2em; color: var(--gold-deep); }
.sched tr.yr.open td:first-child::before { content: "–"; }
.sched tr.mo td { font-size: .9rem; color: var(--muted); background: #FBFCFE; }
.sched tr.mo td:first-child { padding-left: 40px; }

/* Prose (blog, about, legal) */
.prose { max-width: 70ch; }
.prose h2 { font-size: 1.7rem; margin-top: 1.4em; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin-top: 1.4em; }
.prose ul, .prose ol { padding-left: 1.3em; margin: 0 0 1em; }
.prose li { margin-bottom: .4em; }
.post-body { font-family: var(--serif); font-size: 1.18rem; line-height: 1.7; color: #2B374B; }
.post-body h2 { font-family: var(--serif); }
.post-meta { color: #8E9CB4; margin: 0; }
.post-next { margin-top: 40px; padding: 24px; border-radius: var(--r-lg); background: var(--paper); border-left: 4px solid var(--gold); font-family: var(--sans); font-size: 1rem; }
.post-next p { font-weight: 700; color: var(--ink); }

/* Contact + about */
.contact-list { display: grid; gap: 0; border-top: 1px solid var(--line); }
.contact-item { display: flex; gap: 18px; align-items: center; padding: 22px 4px; border-bottom: 1px solid var(--line); text-decoration: none; color: var(--body); }
.contact-item .ic { color: var(--gold-deep); }
.contact-item strong { display: block; font-family: var(--serif); font-weight: 600; font-size: 1.3rem; color: var(--ink); }
a.contact-item:hover strong { color: var(--navy-700); }
.about-loans { list-style: none; display: grid; }
.about-loans a { display: flex; gap: 14px; padding: 16px 0; border-bottom: 1px solid var(--line); text-decoration: none; color: var(--muted); }
.about-loans .ic { color: var(--gold-deep); margin-top: 3px; }
.about-loans strong { display: block; color: var(--ink); }

/* ---------- Footer ---------- */
.ftr { background: var(--navy-950); color: #9AA8BF; padding: 64px 0 28px; font-size: .95rem; }
.ftr a { color: #C9D3E3; text-decoration: none; }
.ftr a:hover { color: var(--gold); }
.ftr-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.2fr; gap: 40px; }
.logo-light { color: var(--white); margin-bottom: 14px; }
.logo-light .logo-word b { color: var(--gold); }
.ftr-h { font-family: var(--sans); font-size: 1rem; font-weight: 700; color: var(--white); margin-bottom: 14px; }
.ftr ul { list-style: none; display: grid; gap: 10px; }
.ftr-contact a, .ftr-contact span { display: inline-flex; gap: 10px; align-items: center; }
.ftr-contact .ic { color: var(--gold); }
.ftr-legal { margin-top: 48px; padding-top: 24px; border-top: 1px solid rgba(255, 255, 255, .08); font-size: .84rem; color: #7F8DA6; }
.ftr-legal p { max-width: 110ch; }

.wa-float { position: fixed; right: 18px; bottom: 18px; z-index: 40; width: 56px; height: 56px; border-radius: 50%; display: grid; place-items: center; background: #1FA855; color: var(--white); box-shadow: 0 10px 24px -8px rgba(0, 0, 0, .45); }
.wa-float:hover { color: var(--white); background: #178F47; }

/* ---------- Responsive ---------- */
@media (max-width: 1060px) {
    .offer-main { grid-template-columns: 1fr auto; grid-template-areas: "who rate" "terms terms" "act act"; gap: 14px 16px; }
    .offer-who { grid-area: who; }
    .offer-rate { grid-area: rate; text-align: right; }
    .offer-terms { grid-area: terms; }
    .offer-act { grid-area: act; grid-template-columns: 1fr auto; justify-items: stretch; align-items: center; gap: 16px; }
    .why { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 960px) {
    .hero-in, .sub-in, .callback-grid, .apply-grid, .emi, .two-col { grid-template-columns: 1fr; }
    .hero-in { padding-top: 48px; padding-bottom: 56px; gap: 40px; }
    .sub-in { gap: 28px; }
    .callback-grid, .apply-grid { gap: 40px; }
    .emi-result { position: static; }
    .guides { grid-template-columns: 1fr 1fr; }
    .benefits { grid-template-columns: 1fr 1fr; }
    .ftr-grid { grid-template-columns: 1fr 1fr; }
    .ftr-brand { grid-column: 1 / -1; }
}
@media (max-width: 640px) {
    :root { --gut: 16px; }
    body { font-size: 16px; }
    .sec { padding: 56px 0; }
    .hero .lead { font-size: 1.05rem; }
    .hero-btns .btn { flex: 1 1 100%; }
    .board-rows a { padding: 14px 18px; }
    .board-head, .board-foot { padding-left: 18px; padding-right: 18px; }
    .board-rate { font-size: 1.9rem; }
    .board-meta { padding-left: 30px; }
    .fld-row { grid-template-columns: 1fr; }
    .panel { padding: 22px 18px; }
    .loan-link { grid-template-columns: 44px 1fr 24px; gap: 14px; padding: 18px 4px; }
    .loan-link-ic { width: 44px; height: 44px; border-radius: 12px; }
    .loan-link-rate { grid-column: 2; grid-row: 2; }
    .loan-link-go { grid-column: 3; grid-row: 1 / span 2; }
    .loan-link-body strong { font-size: 1.25rem; }
    .why, .guides, .guides-all, .benefits { grid-template-columns: 1fr; }
    .benefit { padding-right: 0; }
    .offer-main { padding: 18px 16px; }
    .offer-terms { grid-template-columns: 1fr 1fr; }
    .offer-terms > div:last-child { grid-column: 1 / -1; }
    .offer-extra { grid-template-columns: 1fr; padding: 0 16px 18px; }
    .offer-extra ul { grid-template-columns: 1fr; }
    .offer-tools { align-items: stretch; }
    .chips { flex-wrap: nowrap; overflow-x: auto; padding-bottom: 4px; margin: 0 calc(var(--gut) * -1); padding-left: var(--gut); padding-right: var(--gut); scrollbar-width: none; }
    .chip { white-space: nowrap; }
    .sort { justify-content: space-between; }
    .facts .fact-main dd { font-size: 2.5rem; }
    .cta-btns .btn { flex: 1 1 100%; }
    .ftr-grid { grid-template-columns: 1fr; }
    .steps li { padding-left: 56px; }
    .post-body { font-size: 1.08rem; }
    .sched th, .sched td { padding: 10px 12px; }
    .wa-float { width: 52px; height: 52px; right: 14px; bottom: 14px; }
}
@media (prefers-reduced-motion: reduce) {
    html { scroll-behavior: auto; }
    *, *::before, *::after { transition: none !important; animation: none !important; }
}