/* ============================================================
   Personify Finance App — Ocean Trust Design System
   Indigo #0369A1 + Pink #06B6D4 + Peach #67E8F9
   Font: Instrument Serif (display) + Inter (body)
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Instrument+Serif:ital@0;1&display=swap');

:root{
  /* Ocean Trust palette — deep blue + teal + cyan */
  --indigo:#0369A1;      /* was indigo → deep blue (primary) */
  --indigo-d:#075985;    /* darker blue */
  --indigo-l:#38BDF8;    /* lighter sky blue */
  --pink:#06B6D4;        /* was pink → teal (secondary) */
  --pink-d:#0891B2;      /* darker teal */
  --peach:#67E8F9;       /* was peach → light cyan (accent) */
  --ink:#0C1E2E;         /* slightly bluer dark ink */
  --ink-soft:#1E3A5F;
  --muted:#64748B;
  --line:#E2E8F0;
  --line-2:#CBD5E1;
  --white:#FFFFFF;
  --off:#F0F9FF;         /* was off-white → sky-tinted background */
  --glass:rgba(255,255,255,.72);
  --glass-strong:rgba(255,255,255,.88);
  --green:#22C55E;
  --amber:#F59E0B;
  --shadow-sm:0 2px 8px rgba(3,105,161,.06);
  --shadow-md:0 10px 30px rgba(3,105,161,.08);
  --shadow-lg:0 25px 60px rgba(3,105,161,.12);
  --shadow-glow:0 20px 60px rgba(3,105,161,.15);
  --radius-sm:10px;
  --radius-md:20px;
  --radius-lg:28px;
  --radius-xl:36px;
  --grad:linear-gradient(135deg,var(--indigo) 0%,var(--pink) 100%);
  --grad-soft:linear-gradient(135deg,rgba(3,105,161,.1) 0%,rgba(6,182,212,.1) 100%);
}

*,*:before,*:after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;scroll-padding-top:20px}
#apply,.hero-form-wrap{scroll-margin-top:20px}
body{
  margin:0;
  font-family:'Inter','Helvetica Neue',Arial,sans-serif;
  background:var(--off);
  color:var(--ink);
  line-height:1.65;
  font-size:16px;
  -webkit-font-smoothing:antialiased;
  position:relative;
  overflow-x:hidden;
}
/* Aurora mesh background — richer + animated (Option A) */
body:before{
  content:"";position:fixed;inset:-20%;z-index:-2;
  background:
    radial-gradient(ellipse 60% 50% at 15% 15%,rgba(6,182,212,.5),transparent 55%),
    radial-gradient(ellipse 55% 45% at 85% 20%,rgba(3,105,161,.45),transparent 60%),
    radial-gradient(ellipse 50% 55% at 70% 75%,rgba(103,232,249,.4),transparent 55%),
    radial-gradient(ellipse 65% 45% at 10% 85%,rgba(3,105,161,.35),transparent 60%),
    var(--off);
  filter:blur(60px);
  animation:drift 20s ease-in-out infinite alternate;
}
@keyframes drift{to{transform:translate(-30px,20px) scale(1.1) rotate(2deg)}}

/* Subtle grid overlay — adds depth with radial fade */
body:after{
  content:"";position:fixed;inset:0;z-index:-1;pointer-events:none;
  background-image:
    linear-gradient(rgba(3,105,161,.025) 1px,transparent 1px),
    linear-gradient(90deg,rgba(3,105,161,.025) 1px,transparent 1px);
  background-size:50px 50px;
  -webkit-mask-image:radial-gradient(ellipse at center,black 20%,transparent 80%);
  mask-image:radial-gradient(ellipse at center,black 20%,transparent 80%);
}

h1,h2,h3,h4,h5{
  font-family:'Instrument Serif','Fraunces',Georgia,'Times New Roman',serif;
  font-weight:400;
  color:var(--ink);
  letter-spacing:-.015em;
  line-height:1.1;
  margin:0 0 .6em;
}
h1{font-size:clamp(2.3rem,5vw,3.6rem)}
h2{font-size:clamp(1.7rem,3.2vw,2.5rem)}
h3{font-size:clamp(1.3rem,2vw,1.6rem);font-weight:400}
h1 em,h2 em,h3 em{
  font-style:italic;
  background:var(--grad);
  -webkit-background-clip:text;
  background-clip:text;
  color:transparent;
}
p{margin:0 0 1em}
a{color:var(--indigo);text-decoration:none;transition:color .18s ease}
a:hover{color:var(--pink-d)}
img{max-width:100%;display:block}
ul,ol{padding-left:1.3em;margin:0 0 1em}
li{margin-bottom:.4em}

.container{max-width:1180px;margin:0 auto;padding:0 24px}
.container-narrow{max-width:860px;margin:0 auto;padding:0 24px}

/* -------- Glass card primitive -------- */
.glass{
  background:var(--glass);
  backdrop-filter:blur(30px) saturate(180%);
  -webkit-backdrop-filter:blur(30px) saturate(180%);
  border:1px solid rgba(255,255,255,.6);
  border-radius:var(--radius-lg);
  box-shadow:0 20px 60px rgba(3,105,161,.08),inset 0 1px 0 rgba(255,255,255,.9);
}

/* -------- Top Nav -------- */
.topbar{
  background:rgba(250,250,255,.7);
  backdrop-filter:blur(20px) saturate(180%);
  -webkit-backdrop-filter:blur(20px) saturate(180%);
  border-bottom:1px solid rgba(3,105,161,.08);
  position:relative;z-index:20;
}
.nav{display:flex;align-items:center;justify-content:space-between;padding:18px 0}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none}
.logo-mark{
  width:40px;height:40px;border-radius:12px;
  background:var(--grad);
  display:flex;align-items:center;justify-content:center;
  color:#fff;
  box-shadow:0 6px 20px rgba(3,105,161,.3);
  flex-shrink:0;
}
.logo-mark svg{width:24px;height:24px;display:block}
.logo-text{
  font-family:'Instrument Serif',serif;font-weight:400;font-size:1.3rem;
  color:var(--ink);line-height:1;
}
.logo-text small{
  display:block;font-size:.65rem;color:var(--muted);
  font-family:'Inter',sans-serif;font-weight:500;letter-spacing:.1em;
  text-transform:uppercase;margin-top:3px;
}
.nav-links{display:flex;gap:28px;align-items:center;list-style:none;margin:0;padding:0}
.nav-links a{
  color:var(--ink-soft);font-weight:500;font-size:.95rem;
}
.nav-links a:hover{color:var(--indigo)}
.nav-cta{
  background:var(--grad);color:#fff !important;
  padding:10px 22px;border-radius:999px;font-weight:600;
  box-shadow:0 6px 18px rgba(3,105,161,.3);
}
.nav-cta:hover{color:#fff !important;transform:translateY(-1px);box-shadow:0 10px 24px rgba(6,182,212,.4)}
.mobile-toggle{display:none;background:none;border:none;cursor:pointer;padding:6px;font-size:1.4rem;color:var(--indigo)}

@media (max-width:900px){
  .nav-links{
    display:none;position:absolute;top:72px;left:0;right:0;
    flex-direction:column;background:var(--glass-strong);
    backdrop-filter:blur(30px);
    padding:16px 24px;border-bottom:1px solid var(--line);
    z-index:50;gap:14px;
  }
  .nav-links.open{display:flex}
  .mobile-toggle{display:block}
}

/* -------- Hero -------- */
/* -------- Hero — clean Ocean Trust mesh (no photo) -------- */
.hero{padding:70px 0 60px;position:relative}
.hero-grid{
  display:grid;grid-template-columns:1.15fr 1fr;gap:60px;align-items:center;
}
.hero-eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  background:var(--glass);backdrop-filter:blur(20px);
  border:1px solid rgba(255,255,255,.6);
  padding:8px 16px;border-radius:999px;font-size:.78rem;
  font-weight:600;letter-spacing:.08em;text-transform:uppercase;
  color:var(--indigo-d);margin-bottom:24px;
}
.hero-eyebrow .dot{width:7px;height:7px;background:var(--green);border-radius:50%;box-shadow:0 0 8px var(--green)}
.hero h1{margin-bottom:22px;font-size:clamp(2.8rem,6vw,4.6rem);font-weight:400}
.hero-sub{font-size:1.15rem;color:var(--ink-soft);margin-bottom:30px;max-width:540px}
.hero-badges{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:14px}
.hero-badge{
  display:flex;align-items:center;gap:8px;font-size:.9rem;color:var(--ink-soft);
  background:var(--glass);backdrop-filter:blur(20px);
  padding:8px 14px;border-radius:999px;
  border:1px solid rgba(255,255,255,.6);
}
.hero-badge svg{color:var(--green);flex-shrink:0}

/* Hero portrait → glass stat stack */
.hero-portrait{
  position:relative;
  display:flex;flex-direction:column;gap:16px;
  max-width:420px;margin-left:auto;
}
.portrait-frame{
  background:var(--glass);backdrop-filter:blur(30px) saturate(180%);
  -webkit-backdrop-filter:blur(30px) saturate(180%);
  border:1px solid rgba(255,255,255,.6);
  border-radius:var(--radius-xl);
  padding:40px 30px;
  position:relative;overflow:hidden;
  box-shadow:var(--shadow-glow);
  text-align:center;
}
.portrait-frame:before{
  content:"";position:absolute;inset:0;z-index:0;
  background:
    radial-gradient(circle at 30% 20%,rgba(6,182,212,.15),transparent 55%),
    radial-gradient(circle at 70% 80%,rgba(3,105,161,.1),transparent 55%);
}
.portrait-art{
  position:relative;z-index:1;
  display:flex;align-items:center;justify-content:center;
  margin:0 auto 20px;width:180px;height:180px;
  background:var(--grad);border-radius:50%;
  box-shadow:0 20px 50px rgba(3,105,161,.25);
}
.portrait-art svg{width:70%;height:70%;color:#fff}
.portrait-stat{
  position:relative;z-index:1;
  padding:16px 22px;border-radius:16px;text-align:center;
  background:rgba(255,255,255,.6);
  border:1px solid rgba(255,255,255,.5);
}
.portrait-stat strong{display:block;font-family:'Instrument Serif',serif;color:var(--ink);
  font-size:1.7rem;line-height:1;margin-bottom:4px;
}
.portrait-stat span{font-size:.78rem;color:var(--muted);letter-spacing:.05em;text-transform:uppercase}
.portrait-tag{
  display:inline-block;position:relative;z-index:1;
  background:var(--grad);color:#fff;
  padding:8px 18px;border-radius:999px;font-size:.85rem;font-weight:600;
  box-shadow:0 6px 16px rgba(6,182,212,.3);margin-bottom:16px;
}

/* -------- Lead Form Card -------- */
.lead-form-section{padding:30px 0 70px}
.lead-card{
  max-width:900px;margin:0 auto;
  background:var(--glass-strong);backdrop-filter:blur(30px) saturate(180%);
  -webkit-backdrop-filter:blur(30px) saturate(180%);
  border:1px solid rgba(255,255,255,.6);
  border-radius:var(--radius-lg);
  padding:40px;box-shadow:var(--shadow-glow);
  position:relative;
}
.lead-card:before{
  content:"";position:absolute;top:-18px;left:40px;
  background:var(--grad);color:#fff;
  padding:8px 18px;border-radius:999px;font-size:.78rem;font-weight:600;letter-spacing:.05em;
  text-transform:uppercase;box-shadow:0 6px 16px rgba(6,182,212,.3);
}
.lead-card.intro:before{content:"✦ Check your rate — free"}
.lead-card h2{text-align:center;margin-bottom:8px;font-size:1.9rem}
.lead-card p.sub{text-align:center;color:var(--muted);margin-bottom:20px;font-size:.95rem}
.lead-trust{
  display:flex;justify-content:center;gap:24px;flex-wrap:wrap;
  margin-top:18px;padding-top:18px;border-top:1px dashed var(--line);
  font-size:.82rem;color:var(--muted);
}
.lead-trust span{display:flex;align-items:center;gap:6px}

/* -------- Buttons -------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:14px 28px;border-radius:999px;font-weight:600;font-size:1rem;
  text-decoration:none;cursor:pointer;border:none;
  transition:all .2s ease;line-height:1;font-family:'Inter',sans-serif;
}
.btn-primary{
  background:var(--grad);color:#fff;
  box-shadow:0 10px 30px rgba(3,105,161,.3);
}
.btn-primary:hover{color:#fff;transform:translateY(-2px);box-shadow:0 15px 40px rgba(6,182,212,.4)}
.btn-outline{
  background:var(--glass);backdrop-filter:blur(20px);
  color:var(--indigo-d);border:1.5px solid rgba(3,105,161,.3);
}
.btn-outline:hover{background:var(--indigo);color:#fff;border-color:var(--indigo)}
.btn-ghost{background:transparent;color:var(--indigo);padding:14px 10px}
.btn-ghost:hover{color:var(--pink-d)}
.btn-lg{padding:17px 34px;font-size:1.05rem}

.hero-ctas{display:flex;flex-wrap:wrap;gap:14px;margin-bottom:30px}

/* -------- Sections -------- */
section{padding:70px 0}
.section-head{text-align:center;max-width:720px;margin:0 auto 50px}
.section-eyebrow{
  display:inline-block;
  background:var(--grad-soft);color:var(--indigo-d);
  padding:6px 14px;border-radius:999px;
  font-size:.78rem;font-weight:700;letter-spacing:.1em;
  text-transform:uppercase;margin-bottom:14px;
}
.section-head p{color:var(--ink-soft);font-size:1.05rem}

/* -------- Services (zigzag) -------- */
.services{position:relative}
.service-row{
  display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:center;
  margin-bottom:70px;
}
.service-row:last-child{margin-bottom:0}
.service-row:nth-child(even) .service-visual{order:-1}
.service-visual{
  background:var(--glass);backdrop-filter:blur(30px);
  border:1px solid rgba(255,255,255,.6);
  border-radius:var(--radius-lg);padding:40px;
  aspect-ratio:4/3;display:flex;align-items:center;justify-content:center;
  position:relative;overflow:hidden;
  box-shadow:var(--shadow-md);
}
.service-visual:before{content:"";position:absolute;inset:0;z-index:1;pointer-events:none}
.service-visual.v1{
  background:url('service-1.jpg') center/cover no-repeat;
  color:var(--indigo-d);border-color:transparent;
}
.service-visual.v2{
  background:url('service-2.jpg') center/cover no-repeat;
  color:var(--indigo-d);border-color:transparent;
}
.service-visual.v3{
  background:url('service-3.jpg') center/cover no-repeat;
  color:var(--indigo-d);border-color:transparent;
}
/* Icon badge — stronger white glass so it stays visible on any photo */
.service-visual svg{
  width:70px;height:70px;opacity:1;position:absolute;z-index:2;
  bottom:24px;right:24px;
  background:rgba(255,255,255,.9);backdrop-filter:blur(14px) saturate(180%);
  border:1px solid rgba(255,255,255,.95);
  border-radius:50%;padding:16px;
  box-shadow:0 10px 30px rgba(0,0,0,.25);
  color:var(--indigo-d);
}
.service-text .service-tag{
  display:inline-block;background:var(--grad-soft);color:var(--indigo-d);
  padding:5px 14px;border-radius:999px;font-size:.75rem;font-weight:700;
  letter-spacing:.05em;text-transform:uppercase;margin-bottom:14px;
}
.service-text ul.service-pts{list-style:none;padding:0;margin:20px 0}
.service-text ul.service-pts li{
  padding-left:30px;position:relative;margin-bottom:12px;color:var(--ink-soft);
}
.service-text ul.service-pts li:before{
  content:"";position:absolute;left:0;top:7px;width:18px;height:18px;
  background:var(--grad);border-radius:50%;box-shadow:0 2px 6px rgba(3,105,161,.3);
}
.service-text ul.service-pts li:after{
  content:"✓";position:absolute;left:4px;top:3px;color:#fff;font-size:.75rem;font-weight:bold;
}

/* -------- Amount Ladder (dark gradient panel) -------- */
.amount-ladder{
  padding:80px 0;
  background:linear-gradient(135deg,var(--indigo) 0%,var(--pink) 100%);
  color:#fff;position:relative;overflow:hidden;
}
.amount-ladder:before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 20% 20%,rgba(255,255,255,.15),transparent 50%),radial-gradient(circle at 80% 80%,rgba(103,232,249,.2),transparent 55%)}
.amount-ladder>.container{position:relative;z-index:1}
.amount-ladder h2{color:#fff}
.amount-ladder h2 em{color:#BAE6FD;background:none;-webkit-text-fill-color:currentColor}
.amount-ladder .section-eyebrow{background:rgba(255,255,255,.15);color:#fff}
.ladder-grid{
  display:grid;grid-template-columns:repeat(5,1fr);gap:16px;margin-top:30px;
}
.ladder-tile{
  background:rgba(255,255,255,.12);backdrop-filter:blur(20px);
  border:1px solid rgba(255,255,255,.2);
  border-radius:var(--radius-md);
  padding:24px 16px;text-align:center;
  transition:all .2s ease;
}
.ladder-tile:hover{background:rgba(255,255,255,.22);border-color:rgba(255,255,255,.4);transform:translateY(-4px)}
.ladder-tile strong{
  display:block;font-family:'Instrument Serif',serif;font-size:1.8rem;
  color:#fff;margin-bottom:4px;
}
.ladder-tile span{font-size:.82rem;color:rgba(255,255,255,.8)}

@media (max-width:800px){.ladder-grid{grid-template-columns:repeat(2,1fr)}}

/* -------- How It Works -------- */
.steps-grid{
  display:grid;grid-template-columns:repeat(4,1fr);gap:24px;position:relative;
}
.step-card{
  background:var(--glass);backdrop-filter:blur(30px);
  border:1px solid rgba(255,255,255,.6);
  border-radius:var(--radius-md);
  padding:28px;position:relative;
  transition:all .25s ease;
}
.step-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-glow)}
.step-num{
  width:48px;height:48px;border-radius:14px;
  background:var(--grad);color:#fff;
  display:flex;align-items:center;justify-content:center;
  font-family:'Instrument Serif',serif;font-weight:400;font-size:1.4rem;
  margin-bottom:16px;
  box-shadow:0 8px 20px rgba(3,105,161,.3);
}
.step-card h3{font-size:1.2rem;margin-bottom:8px}
.step-card p{color:var(--muted);font-size:.92rem;margin:0}

@media (max-width:900px){.steps-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:500px){.steps-grid{grid-template-columns:1fr}}

/* -------- APR Spectrum -------- */
.spectrum{
  background:var(--glass);backdrop-filter:blur(30px);
  border:1px solid rgba(255,255,255,.6);
  border-radius:var(--radius-lg);
  padding:40px;margin-top:20px;
  box-shadow:var(--shadow-md);
}
.spectrum-bar{
  position:relative;height:14px;border-radius:999px;
  background:linear-gradient(90deg,var(--green) 0%,var(--amber) 40%,var(--pink) 70%,var(--pink-d) 100%);
  margin:28px 0 50px;
}
.spectrum-marker{
  position:absolute;top:-6px;width:26px;height:26px;border-radius:50%;
  background:#fff;border:3px solid var(--indigo);transform:translateX(-50%);
  box-shadow:0 4px 12px rgba(3,105,161,.3);
}
.spectrum-marker.lo{left:12%}
.spectrum-marker.hi{left:78%}
.spectrum-labels{
  position:absolute;left:0;right:0;top:22px;display:flex;justify-content:space-between;
  font-size:.78rem;color:var(--muted);
}
.spectrum-info{
  display:grid;grid-template-columns:repeat(3,1fr);gap:20px;
  padding-top:20px;border-top:1px solid var(--line);
}
.spectrum-info div{text-align:center}
.spectrum-info strong{
  display:block;font-family:'Instrument Serif',serif;color:var(--ink);
  font-size:1.6rem;margin-bottom:4px;
}
.spectrum-info span{font-size:.8rem;color:var(--muted);letter-spacing:.03em;text-transform:uppercase}
.spectrum-note{text-align:center;color:var(--muted);font-size:.88rem;margin-top:20px}

@media (max-width:700px){.spectrum-info{grid-template-columns:1fr;gap:12px}}

/* -------- Eligibility -------- */
.elig-wrap{
  display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:center;
}
.elig-circle{
  width:100%;max-width:420px;aspect-ratio:1;margin:0 auto;
  border-radius:50%;position:relative;
  background:var(--grad);
  box-shadow:var(--shadow-glow);
  display:flex;align-items:center;justify-content:center;
}
.elig-circle:before{
  content:"";position:absolute;inset:14px;border-radius:50%;
  border:2px dashed rgba(255,255,255,.4);
}
.elig-badge{
  background:var(--glass-strong);backdrop-filter:blur(30px);
  padding:24px 30px;border-radius:50%;
  text-align:center;width:60%;aspect-ratio:1;
  display:flex;flex-direction:column;align-items:center;justify-content:center;
  box-shadow:var(--shadow-md);
  border:1px solid rgba(255,255,255,.6);
}
.elig-badge strong{
  font-family:'Instrument Serif',serif;color:var(--ink);
  font-size:2.4rem;line-height:1;display:block;margin-bottom:4px;
}
.elig-badge span{color:var(--muted);font-size:.85rem;letter-spacing:.05em;text-transform:uppercase}
.elig-list{list-style:none;padding:0;margin:20px 0 0}
.elig-list li{
  display:flex;align-items:flex-start;gap:14px;
  padding:16px 0;border-bottom:1px solid var(--line);
}
.elig-list li:last-child{border:none}
.elig-list .ei-icon{
  width:36px;height:36px;border-radius:12px;background:var(--grad-soft);
  color:var(--indigo-d);flex-shrink:0;
  display:flex;align-items:center;justify-content:center;font-weight:bold;
}
.elig-list strong{display:block;color:var(--ink);font-family:'Instrument Serif',serif;font-size:1.15rem;margin-bottom:2px}
.elig-list p{margin:0;color:var(--muted);font-size:.9rem}

@media (max-width:850px){
  .elig-wrap{grid-template-columns:1fr}
  .hero-grid{grid-template-columns:1fr}
  .service-row{grid-template-columns:1fr;gap:30px}
  .service-row:nth-child(even) .service-visual{order:0}
  .hero-portrait{margin:0 auto}
}

/* -------- Reviews -------- */
.review-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.review-card{
  background:var(--glass);backdrop-filter:blur(30px);
  border:1px solid rgba(255,255,255,.6);
  border-radius:var(--radius-md);
  padding:30px;position:relative;
  transition:all .25s;
}
.review-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-glow)}
.review-card:before{
  content:"\201C";position:absolute;top:10px;right:20px;
  font-family:'Instrument Serif',serif;font-size:4.5rem;
  background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent;
  opacity:.5;line-height:1;
}
.review-stars{color:var(--amber);letter-spacing:2px;margin-bottom:10px;font-size:1rem}
.review-text{font-size:.95rem;color:var(--ink-soft);margin-bottom:18px;font-style:italic}
.review-author{display:flex;align-items:center;gap:12px}
.review-avatar{
  width:44px;height:44px;border-radius:50%;
  background:var(--grad);
  display:flex;align-items:center;justify-content:center;
  color:#fff;font-family:'Instrument Serif',serif;font-weight:400;font-size:1.1rem;
  box-shadow:0 4px 12px rgba(3,105,161,.25);
}
.review-author strong{display:block;color:var(--ink);font-size:.95rem}
.review-author span{color:var(--muted);font-size:.82rem}

@media (max-width:960px){.review-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:600px){.review-grid{grid-template-columns:1fr}}

/* -------- FAQ -------- */
.faq-list{max-width:820px;margin:0 auto}
.faq-item{
  background:var(--glass);backdrop-filter:blur(30px);
  border-radius:var(--radius-md);
  margin-bottom:14px;border:1px solid rgba(255,255,255,.6);overflow:hidden;
  transition:all .2s;
}
.faq-item:hover{box-shadow:var(--shadow-sm)}
.faq-item summary{
  padding:22px 26px;cursor:pointer;list-style:none;
  display:flex;justify-content:space-between;align-items:center;
  font-weight:400;color:var(--ink);font-family:'Instrument Serif',serif;font-size:1.2rem;
}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary:after{
  content:"+";font-size:1.8rem;color:var(--pink);font-weight:300;
  transition:transform .2s ease;line-height:1;
}
.faq-item[open] summary:after{transform:rotate(45deg)}
.faq-item .faq-body{padding:0 26px 22px;color:var(--ink-soft);font-family:'Inter',sans-serif;font-size:.98rem}
.faq-item .faq-body p:last-child{margin-bottom:0}

/* -------- Experts band -------- */
.experts{
  background:linear-gradient(135deg,var(--indigo-d) 0%,var(--indigo) 60%,var(--pink) 120%);
  color:#fff;position:relative;overflow:hidden;
}
.experts:before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 15% 15%,rgba(6,182,212,.3),transparent 50%),radial-gradient(circle at 85% 85%,rgba(103,232,249,.2),transparent 55%)}
.experts>.container{position:relative;z-index:1}
.experts h2{color:#fff}
.experts h2 em{background:none;-webkit-text-fill-color:#BAE6FD;color:#BAE6FD}
.experts .section-eyebrow{background:rgba(255,255,255,.15);color:#fff}
.experts p{color:rgba(255,255,255,.85)}
.expert-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:30px}
.expert-card{
  background:rgba(255,255,255,.1);backdrop-filter:blur(20px);
  border:1px solid rgba(255,255,255,.2);
  border-radius:var(--radius-md);padding:30px;text-align:center;
  transition:all .25s;
}
.expert-card:hover{background:rgba(255,255,255,.18);transform:translateY(-4px)}
.expert-ring{
  width:110px;height:110px;border-radius:50%;margin:0 auto 16px;
  background:linear-gradient(145deg,var(--peach),#fff);
  padding:4px;position:relative;
}
.expert-ring .expert-initials{
  width:100%;height:100%;border-radius:50%;background:var(--indigo-d);
  display:flex;align-items:center;justify-content:center;
  color:#fff;font-family:'Instrument Serif',serif;font-size:2rem;font-weight:400;
}
.expert-card h3{color:#fff;font-size:1.2rem;margin-bottom:4px}
.expert-card .role{color:var(--peach);font-size:.85rem;margin-bottom:12px;display:block}
.expert-card p{color:rgba(255,255,255,.8);font-size:.9rem;margin:0}

@media (max-width:850px){.expert-grid{grid-template-columns:1fr}}

/* -------- Final CTA -------- */
.final-cta{
  padding:70px 0;text-align:center;position:relative;
}
.final-cta>.container-narrow{
  background:var(--grad);
  padding:60px 40px;border-radius:var(--radius-xl);
  box-shadow:0 30px 80px rgba(3,105,161,.25);
  color:#fff;position:relative;overflow:hidden;
}
.final-cta>.container-narrow:before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 20% 20%,rgba(255,255,255,.15),transparent 50%)}
.final-cta h2{color:#fff;position:relative;font-size:2.3rem}
.final-cta h2 em{color:#BAE6FD;background:none;-webkit-text-fill-color:currentColor}
.final-cta p{color:rgba(255,255,255,.9);max-width:600px;margin:0 auto 24px;font-size:1.1rem;position:relative}
.final-cta .btn-primary{background:#fff;color:var(--indigo-d);box-shadow:0 15px 40px rgba(0,0,0,.15);position:relative}
.final-cta .btn-primary:hover{background:#fff;color:var(--indigo-d);transform:translateY(-2px);box-shadow:0 20px 50px rgba(0,0,0,.2)}

/* -------- Footer: Enhanced Dark Modern -------- */
footer{
  background:
    radial-gradient(ellipse 70% 50% at 20% 20%,rgba(6,182,212,.12),transparent 55%),
    radial-gradient(ellipse 60% 50% at 85% 80%,rgba(3,105,161,.15),transparent 60%),
    linear-gradient(180deg,#0C1E2E 0%,#060E17 100%);
  padding:70px 0 30px;color:#fff;position:relative;overflow:hidden;
}
footer:before{
  content:"";position:absolute;top:0;left:0;right:0;height:1px;
  background:linear-gradient(90deg,transparent 10%,rgba(103,232,249,.4) 50%,transparent 90%);
}
footer .container{position:relative;z-index:1}

.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr 1fr;gap:36px;margin-bottom:50px}

/* Brand column */
.foot-brand-row{display:flex;align-items:center;gap:12px;margin-bottom:14px}
.foot-mark{width:36px;height:36px;flex-shrink:0;display:flex;align-items:center;justify-content:center}
.foot-mark svg{width:36px;height:36px;display:block}
.foot-brand h3{
  font-family:'Instrument Serif',serif;font-weight:400;font-size:1.9rem;
  background:linear-gradient(135deg,#fff,#67E8F9);-webkit-background-clip:text;background-clip:text;color:transparent;
  letter-spacing:-.02em;line-height:1;margin:0;
}
.foot-brand p{color:rgba(255,255,255,.65);font-size:.88rem;line-height:1.65;margin-bottom:20px}
.foot-trust{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:18px}
.trust-chip{
  background:rgba(255,255,255,.08);border:1px solid rgba(103,232,249,.2);color:#67E8F9;
  padding:4px 10px;border-radius:6px;font-size:.68rem;font-weight:700;letter-spacing:.05em;
  display:inline-flex;align-items:center;gap:4px;
}
.trust-chip:before{content:"✓";font-weight:800}
.foot-social{display:flex;gap:10px}
.foot-social a{
  width:36px;height:36px;border-radius:50%;background:rgba(255,255,255,.08);
  display:flex;align-items:center;justify-content:center;transition:all .2s;
  border:1px solid rgba(255,255,255,.1);color:rgba(255,255,255,.7);text-decoration:none;
}
.foot-social a:hover{background:var(--grad);border-color:transparent;color:#fff;transform:translateY(-2px)}
.foot-social svg{width:16px;height:16px}

/* Link columns */
.foot-col h4{
  color:#fff;font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;font-weight:700;
  margin-bottom:16px;padding-bottom:10px;position:relative;display:inline-flex;align-items:center;gap:8px;
}
.foot-col h4:before{
  content:"";width:3px;height:14px;background:var(--grad);border-radius:999px;
}
.foot-col h4:after{
  content:"";position:absolute;bottom:0;left:0;width:30px;height:1px;
  background:linear-gradient(90deg,rgba(103,232,249,.5),transparent);
}
.foot-col ul{list-style:none;padding:0;margin:0}
.foot-col li{margin-bottom:9px}
.foot-col a{
  color:rgba(255,255,255,.65);text-decoration:none;font-size:.86rem;
  transition:all .2s;display:inline-flex;align-items:center;gap:6px;
}
.foot-col a:before{
  content:"→";color:#67E8F9;opacity:0;transform:translateX(-6px);transition:all .2s;font-size:.75rem;
}
.foot-col a:hover{color:#67E8F9;transform:translateX(4px)}
.foot-col a:hover:before{opacity:1;transform:translateX(0)}

/* Bottom bar */
.foot-bottom{
  padding-top:24px;border-top:1px solid rgba(255,255,255,.08);
  display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;
}
.foot-copy{color:rgba(255,255,255,.5);font-size:.78rem}
.foot-badges{display:flex;gap:14px;align-items:center}
.foot-badges span{color:rgba(255,255,255,.4);font-size:.72rem;font-weight:600;letter-spacing:.05em;text-transform:uppercase}

@media (max-width:900px){.foot-grid{grid-template-columns:1fr 1fr;gap:30px}}
@media (max-width:500px){.foot-grid{grid-template-columns:1fr}}

/* -------- Article / Content pages -------- */
.page-header{
  padding:80px 0 70px;position:relative;overflow:hidden;text-align:center;color:#fff;
  background:
    radial-gradient(ellipse 70% 50% at 20% 20%,rgba(6,182,212,.18),transparent 55%),
    radial-gradient(ellipse 60% 50% at 85% 80%,rgba(103,232,249,.12),transparent 60%),
    linear-gradient(135deg,#060E17 0%,#0C1E2E 40%,#0C4A6E 100%);
}
/* Darkening overlay for text readability */
.page-header:after{
  content:"";position:absolute;inset:0;z-index:0;
  background:radial-gradient(ellipse 60% 70% at 50% 50%,rgba(0,0,0,.25),transparent 70%);
  pointer-events:none;
}
.page-header .container{position:relative;z-index:1;max-width:860px}

/* Hero visual - white badge with dark icon */
.page-hero-visual{
  width:84px;height:84px;margin:0 auto 24px;
  background:#fff;border-radius:24px;
  display:flex;align-items:center;justify-content:center;color:var(--indigo-d);
  box-shadow:0 20px 50px rgba(0,0,0,.4),0 0 0 8px rgba(255,255,255,.1);
  position:relative;
}
.page-hero-visual svg{width:40px;height:40px}

.breadcrumb{
  display:inline-flex;align-items:center;gap:8px;
  font-size:.8rem;color:#fff;margin-bottom:18px;
  background:rgba(0,0,0,.3);backdrop-filter:blur(14px);
  padding:7px 16px;border-radius:999px;border:1px solid rgba(103,232,249,.3);
  letter-spacing:.03em;font-weight:500;
}
.breadcrumb a{color:#67E8F9;text-decoration:none;font-weight:600}
.breadcrumb a:hover{color:#fff;text-decoration:underline}
.breadcrumb span{color:rgba(255,255,255,.4)}
.page-header h1{
  font-family:'Instrument Serif',serif;font-weight:400;font-size:clamp(2rem,4vw,2.8rem);
  line-height:1.15;letter-spacing:-.02em;color:#fff;margin-bottom:16px;
  text-shadow:0 2px 24px rgba(0,0,0,.5),0 1px 4px rgba(0,0,0,.3);
}
.page-header h1 em{
  font-style:italic;color:#67E8F9;background:none;-webkit-text-fill-color:currentColor;
  text-shadow:0 2px 24px rgba(0,0,0,.6),0 0 20px rgba(103,232,249,.4);
}
.page-header .lead{
  color:#fff;font-size:1.1rem;line-height:1.65;max-width:680px;margin:0 auto;
  text-shadow:0 1px 10px rgba(0,0,0,.4);font-weight:400;
}

/* -------- Pre-footer CTA (shared across content pages) -------- */
.pre-footer-cta{
  background:var(--grad);color:#fff;padding:60px 0;position:relative;overflow:hidden;
}
.pre-footer-cta:before,.pre-footer-cta:after{content:"";position:absolute;border-radius:50%;filter:blur(80px);pointer-events:none}
.pre-footer-cta:before{top:-80px;left:-80px;width:280px;height:280px;background:rgba(103,232,249,.4)}
.pre-footer-cta:after{bottom:-80px;right:-80px;width:280px;height:280px;background:rgba(3,105,161,.5)}
.pfc-wrap{max-width:900px;margin:0 auto;position:relative;z-index:1;display:grid;grid-template-columns:1fr auto;gap:30px;align-items:center;padding:0 24px}
.pfc-wrap h2{font-family:'Instrument Serif',serif;font-weight:400;font-size:clamp(1.6rem,3vw,2.2rem);line-height:1.15;letter-spacing:-.02em;margin-bottom:8px}
.pfc-wrap h2 em{font-style:italic;color:#67E8F9}
.pfc-wrap p{color:rgba(255,255,255,.9);font-size:.95rem;margin:0}
.pfc-btn{
  display:inline-flex;align-items:center;gap:8px;background:#fff;color:var(--indigo-d);
  padding:15px 30px;border-radius:999px;text-decoration:none;font-weight:700;font-size:.98rem;
  box-shadow:0 15px 40px rgba(0,0,0,.2);transition:all .2s;white-space:nowrap;
}
.pfc-btn:hover{transform:translateY(-3px);box-shadow:0 20px 50px rgba(0,0,0,.3)}
@media (max-width:700px){.pfc-wrap{grid-template-columns:1fr;text-align:center}}
/* Legacy page-header overrides removed — defined in main .page-header block above */

.article-content{padding:60px 0;background:rgba(255,255,255,.5);backdrop-filter:blur(10px)}
.article-body{max-width:780px;margin:0 auto}
.article-body h2{margin-top:40px;padding-top:20px;border-top:1px solid var(--line)}
.article-body h2:first-child{border:none;padding:0;margin-top:0}
.article-body h3{margin-top:30px}
.article-body ul,.article-body ol{margin-bottom:20px}
.article-body table{
  width:100%;border-collapse:collapse;margin:24px 0;
  background:var(--glass);backdrop-filter:blur(20px);
  border:1px solid rgba(255,255,255,.6);border-radius:var(--radius-sm);overflow:hidden;
}
.article-body th,.article-body td{
  padding:14px 16px;text-align:left;border-bottom:1px solid var(--line);
}
.article-body th{background:var(--grad-soft);font-weight:600;color:var(--indigo-d);font-family:'Instrument Serif',serif;font-size:1.05rem}
.article-body tr:last-child td{border:none}
.article-body blockquote{
  margin:24px 0;padding:22px 26px;background:var(--grad-soft);
  border-left:4px solid var(--pink);border-radius:0 var(--radius-sm) var(--radius-sm) 0;
  color:var(--ink-soft);font-style:italic;
}
.article-body blockquote p:last-child{margin:0}

.author-box{
  background:var(--glass);backdrop-filter:blur(20px);
  border:1px solid rgba(255,255,255,.6);
  border-radius:var(--radius-md);
  padding:26px;margin:40px 0;display:flex;gap:20px;align-items:center;
}
.author-avatar{
  width:76px;height:76px;border-radius:50%;flex-shrink:0;
  background:var(--grad);
  display:flex;align-items:center;justify-content:center;
  color:#fff;font-family:'Instrument Serif',serif;font-weight:400;font-size:1.7rem;
  box-shadow:0 8px 20px rgba(3,105,161,.3);
}
.author-info strong{display:block;color:var(--ink);font-family:'Instrument Serif',serif;font-size:1.2rem}
.author-info .credentials{color:var(--pink-d);font-size:.85rem;margin:2px 0 6px}
.author-info p{margin:0;font-size:.9rem;color:var(--muted)}

.callout{
  background:var(--grad-soft);
  border-left:4px solid var(--indigo);
  padding:24px 28px;border-radius:0 var(--radius-md) var(--radius-md) 0;
  margin:28px 0;
}
.callout h3{margin:0 0 8px;color:var(--indigo-d);font-size:1.2rem}
.callout p:last-child{margin:0}

/* -------- Blog index -------- */
.blog-grid{
  display:grid;grid-template-columns:repeat(2,1fr);gap:28px;
}
.blog-card{
  background:var(--glass);backdrop-filter:blur(30px);
  border-radius:var(--radius-md);
  overflow:hidden;border:1px solid rgba(255,255,255,.6);
  transition:all .25s;display:flex;flex-direction:column;
}
.blog-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-glow)}
.blog-card-img{
  aspect-ratio:16/9;background:var(--grad);
  display:flex;align-items:center;justify-content:center;color:#fff;
  font-family:'Instrument Serif',serif;font-size:1.5rem;padding:30px;text-align:center;
  position:relative;overflow:hidden;
}
.blog-card-img:before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 30% 30%,rgba(255,255,255,.2),transparent 60%)}
.blog-card-img>*{position:relative;z-index:1}
.blog-card-img.alt1{background:linear-gradient(135deg,var(--pink),var(--peach))}
.blog-card-img.alt2{background:linear-gradient(135deg,var(--indigo-d),var(--indigo))}
.blog-card-img.alt3{background:linear-gradient(135deg,var(--peach),#A5F3FC);color:var(--ink)}
.blog-card-body{padding:26px;flex:1;display:flex;flex-direction:column}
.blog-card-tag{
  color:var(--pink-d);font-size:.75rem;font-weight:700;letter-spacing:.1em;
  text-transform:uppercase;margin-bottom:10px;
}
.blog-card h3{font-size:1.3rem;margin-bottom:8px}
.blog-card h3 a{color:var(--ink)}
.blog-card h3 a:hover{color:var(--pink-d)}
.blog-card p{color:var(--muted);font-size:.92rem;flex:1}
.blog-card-meta{
  padding-top:14px;border-top:1px solid var(--line);
  font-size:.82rem;color:var(--muted);
}

@media (max-width:800px){.blog-grid{grid-template-columns:1fr}}

/* -------- Utilities -------- */
.text-center{text-align:center}
.mt-0{margin-top:0}
.mb-0{margin-bottom:0}
.mb-sm{margin-bottom:12px}
.hidden{display:none}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0}

/* print */
@media print{.topbar,footer,.lead-card,.btn{display:none}}

/* -------- Hero Form Card (Aurora Mesh) -------- */
.hero-form-wrap{
  position:relative;
  max-width:460px;margin-left:auto;width:100%;
  scroll-margin-top:24px;
}
.hero-form-card{
  background:var(--glass-strong);
  backdrop-filter:blur(30px) saturate(180%);
  -webkit-backdrop-filter:blur(30px) saturate(180%);
  border:1px solid rgba(255,255,255,.6);
  border-radius:var(--radius-lg);
  padding:30px 28px;
  box-shadow:var(--shadow-glow);
  position:relative;
}
.hero-form-tag{
  display:inline-block;
  background:var(--grad);color:#fff;
  padding:7px 16px;border-radius:999px;
  font-size:.75rem;font-weight:600;
  letter-spacing:.05em;margin-bottom:14px;
  box-shadow:0 6px 16px rgba(6,182,212,.3);
}
.hero-form-title{
  font-family:'Instrument Serif',serif;
  font-size:1.75rem;font-weight:400;
  color:var(--ink);line-height:1.15;
  margin:0 0 6px;letter-spacing:-.01em;
}
.hero-form-sub{
  color:var(--muted);font-size:.92rem;
  margin:0 0 18px;line-height:1.5;
}
#_lg_form_{
  min-height:420px;
  position:relative;
}
#_lg_form_ iframe,#_lg_form_ form{
  width:100% !important;max-width:100% !important;
  border:0 !important;background:transparent !important;
}
.hero-form-trust{
  display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;
  margin-top:16px;padding-top:14px;
  border-top:1px dashed var(--line);
  font-size:.75rem;color:var(--muted);
}
.hero-form-trust span{display:inline-flex;align-items:center;gap:4px}

@media (max-width:850px){
  .hero-form-wrap{margin:30px auto 0;max-width:100%}
}

/* -------- Ticker / Marquee (Ocean Trust) -------- */
.ticker{
  background:linear-gradient(135deg,var(--indigo-d) 0%,var(--indigo) 50%,var(--pink) 100%);
  color:#fff;
  padding:18px 0;
  overflow:hidden;
  position:relative;
  border-top:1px solid rgba(255,255,255,.08);
  border-bottom:1px solid rgba(255,255,255,.08);
  -webkit-mask-image:linear-gradient(90deg,transparent 0,black 80px,black calc(100% - 80px),transparent 100%);
  mask-image:linear-gradient(90deg,transparent 0,black 80px,black calc(100% - 80px),transparent 100%);
  box-shadow:0 10px 30px rgba(3,105,161,.15),inset 0 1px 0 rgba(255,255,255,.1);
}
.ticker:before{
  content:"";position:absolute;inset:0;pointer-events:none;
  background:radial-gradient(ellipse 50% 100% at 50% 50%,rgba(255,255,255,.08),transparent 60%);
}
.ticker-track{
  display:flex;
  align-items:center;
  gap:42px;
  width:max-content;
  animation:ticker-scroll 45s linear infinite;
  will-change:transform;
}
.ticker:hover .ticker-track{
  animation-play-state:paused;
}
.ticker-item{
  display:inline-flex;
  align-items:center;
  gap:10px;
  font-size:.95rem;
  font-weight:500;
  color:#fff;
  white-space:nowrap;
  letter-spacing:.01em;
  font-family:'Inter',sans-serif;
}
.ticker-item svg{
  width:18px;
  height:18px;
  color:var(--peach);
  flex-shrink:0;
  filter:drop-shadow(0 0 8px rgba(103,232,249,.4));
}
.ticker-dot{
  color:rgba(255,255,255,.3);
  font-size:.5rem;
  user-select:none;
}
@keyframes ticker-scroll{
  from{transform:translateX(0)}
  to{transform:translateX(-50%)}
}
/* Respect reduced-motion accessibility preference */
@media (prefers-reduced-motion:reduce){
  .ticker-track{animation:none;justify-content:center;flex-wrap:wrap;max-width:100%}
  .ticker{mask-image:none;-webkit-mask-image:none}
}
/* Slower on mobile for readability */
@media (max-width:700px){
  .ticker-track{animation-duration:60s;gap:28px}
  .ticker-item{font-size:.85rem}
  .ticker-item svg{width:15px;height:15px}
  .ticker{padding:14px 0}
}

/* -------- Phone Mockup Walkthrough (How It Works) -------- */
.mock-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;max-width:1120px;margin:0 auto}
.mock-step{text-align:center}
.mock-phone{
  width:180px;height:360px;margin:0 auto 24px;
  background:#1a1a1a;border-radius:32px;padding:10px;
  box-shadow:0 25px 60px rgba(3,105,161,.2),0 0 0 2px rgba(255,255,255,.5);
  position:relative;transition:all .3s;
}
.mock-step:hover .mock-phone{transform:translateY(-8px) rotate(-2deg)}
.mock-step:nth-child(even):hover .mock-phone{transform:translateY(-8px) rotate(2deg)}
.mock-phone:before{
  content:"";position:absolute;top:14px;left:50%;transform:translateX(-50%);
  width:50px;height:14px;background:#1a1a1a;border-radius:0 0 10px 10px;z-index:2;
}
.mock-screen{
  background:#fff;border-radius:24px;height:100%;overflow:hidden;
  display:flex;flex-direction:column;padding:30px 14px 14px;
  position:relative;
}
.mock-step-badge{
  position:absolute;top:-10px;left:50%;transform:translateX(-50%);
  width:36px;height:36px;border-radius:50%;
  background:var(--grad);color:#fff;
  display:flex;align-items:center;justify-content:center;
  font-family:'Instrument Serif',serif;font-weight:400;font-size:1.1rem;
  box-shadow:0 6px 16px rgba(3,105,161,.4);z-index:3;border:3px solid var(--off);
}

/* Screen 1: Rate check form */
.scr1-head{font-size:.68rem;color:var(--muted);font-weight:600;margin-bottom:6px;text-align:left;letter-spacing:.05em}
.scr1-title{font-family:'Instrument Serif',serif;font-size:.9rem;color:var(--ink);margin-bottom:12px;line-height:1.2;text-align:left;font-weight:400}
.scr1-field{height:28px;background:#F1F5F9;border-radius:6px;margin-bottom:8px;padding:0 8px;display:flex;align-items:center;font-size:.65rem;color:var(--muted)}
.scr1-field.filled{background:rgba(103,232,249,.2);color:var(--indigo-d);font-weight:600}
.scr1-btn{margin-top:auto;background:var(--grad);color:#fff;padding:8px;border-radius:6px;font-size:.72rem;font-weight:600;text-align:center}

/* Screen 2: Loan picker */
.scr2-title{font-family:'Instrument Serif',serif;font-size:.78rem;color:var(--muted);margin-bottom:4px;text-align:center;font-weight:400}
.scr2-amt{font-family:'Instrument Serif',serif;font-size:1.8rem;background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent;text-align:center;line-height:1;margin-bottom:14px;font-weight:400}
.scr2-slider{height:4px;background:#E2E8F0;border-radius:999px;position:relative;margin:16px 4px 20px}
.scr2-slider:before{content:"";position:absolute;left:0;top:0;height:100%;width:50%;background:var(--grad);border-radius:999px}
.scr2-slider:after{content:"";position:absolute;left:50%;top:50%;transform:translate(-50%,-50%);width:14px;height:14px;background:#fff;border:3px solid var(--indigo);border-radius:50%;box-shadow:0 2px 6px rgba(3,105,161,.3)}
.scr2-range{display:flex;justify-content:space-between;font-size:.55rem;color:var(--muted);margin-bottom:14px}
.scr2-terms{display:grid;grid-template-columns:repeat(4,1fr);gap:3px;margin-bottom:10px}
.scr2-term{background:#F1F5F9;padding:5px 0;text-align:center;font-size:.55rem;font-weight:600;color:var(--muted);border-radius:4px}
.scr2-term.active{background:var(--grad);color:#fff}
.scr2-pay{text-align:center;font-size:.65rem;color:var(--muted);margin-bottom:4px}
.scr2-pay strong{color:var(--ink);font-size:.9rem;display:block;font-family:'Instrument Serif',serif;font-weight:400}

/* Screen 3: Verify */
.scr3-title{font-family:'Instrument Serif',serif;font-size:.85rem;color:var(--ink);margin-bottom:10px;text-align:center;line-height:1.2;font-weight:400}
.scr3-item{display:flex;align-items:center;gap:7px;padding:7px 8px;background:#F8FAFC;border-radius:6px;margin-bottom:6px;font-size:.65rem;color:var(--ink)}
.scr3-check{width:14px;height:14px;background:#22C55E;border-radius:50%;color:#fff;display:flex;align-items:center;justify-content:center;font-size:.55rem;font-weight:bold;flex-shrink:0}
.scr3-pending{background:#E2E8F0 !important;color:var(--muted)}
.scr3-signbox{margin-top:auto;background:rgba(3,105,161,.08);border:1px dashed var(--indigo);border-radius:6px;padding:14px 8px;text-align:center;font-size:.6rem;color:var(--indigo);font-weight:600}

/* Screen 4: Funded */
.scr4-wrap{display:flex;flex-direction:column;align-items:center;justify-content:center;height:100%;text-align:center}
.scr4-circle{width:60px;height:60px;border-radius:50%;background:#DCFCE7;color:#15803D;display:flex;align-items:center;justify-content:center;font-size:1.6rem;margin-bottom:10px;position:relative}
.scr4-circle:before{content:"";position:absolute;inset:-6px;border:2px solid #22C55E;border-radius:50%;opacity:.3}
.scr4-title{font-family:'Instrument Serif',serif;font-size:.85rem;color:var(--ink);line-height:1.2;margin-bottom:5px;font-weight:400}
.scr4-amt{font-family:'Instrument Serif',serif;font-size:1.6rem;color:var(--ink);line-height:1;margin:8px 0;font-weight:400;background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.scr4-info{font-size:.6rem;color:var(--muted);margin-top:4px}
.scr4-tag{display:inline-block;background:#DCFCE7;color:#15803D;padding:3px 8px;border-radius:999px;font-size:.55rem;font-weight:700;letter-spacing:.03em;margin-top:8px}

/* Info caption under each phone */
.mock-info h3{font-family:'Instrument Serif',serif;font-weight:400;font-size:1.15rem;color:var(--ink);margin-bottom:6px}
.mock-info p{color:var(--muted);font-size:.85rem;line-height:1.5;margin:0}
.mock-time{display:inline-block;background:rgba(103,232,249,.25);color:var(--indigo-d);padding:4px 10px;border-radius:999px;font-size:.68rem;font-weight:700;margin-bottom:10px;letter-spacing:.03em}

@media (max-width:900px){.mock-grid{grid-template-columns:repeat(2,1fr);gap:40px 24px}}
@media (max-width:500px){.mock-grid{grid-template-columns:1fr;gap:40px}}

/* -------- Rates: Dual Column (Pay / Don't Pay) -------- */
.dual-wrap{display:grid;grid-template-columns:1fr 1fr;gap:24px;max-width:980px;margin:0 auto}
.dual-col{
  background:#fff;border-radius:24px;padding:36px 32px;
  border:1px solid var(--line);box-shadow:0 15px 40px rgba(3,105,161,.08);
  position:relative;overflow:hidden;
}
.dual-col.pay{border-top:4px solid var(--indigo)}
.dual-col.free{border-top:4px solid #059669}
.dual-col:before{content:"";position:absolute;top:-50px;right:-50px;width:150px;height:150px;border-radius:50%;filter:blur(60px);opacity:.25;pointer-events:none}
.dual-col.pay:before{background:var(--indigo)}
.dual-col.free:before{background:#059669}

.col-head{display:flex;align-items:center;gap:14px;margin-bottom:24px;padding-bottom:18px;border-bottom:1px dashed var(--line);position:relative;z-index:1}
.col-icon{
  width:48px;height:48px;border-radius:14px;
  display:flex;align-items:center;justify-content:center;
  color:#fff;flex-shrink:0;
}
.dual-col.pay .col-icon{background:var(--grad)}
.dual-col.free .col-icon{background:linear-gradient(135deg,#10B981,#059669)}
.col-icon svg{width:24px;height:24px}
.col-title{font-family:'Instrument Serif',serif;font-weight:400;font-size:1.4rem;color:var(--ink);line-height:1.1}
.col-sub{font-size:.78rem;color:var(--muted);letter-spacing:.05em;text-transform:uppercase;font-weight:600;margin-top:3px}

.row-list{list-style:none;padding:0;margin:0;position:relative;z-index:1}
.row-item{display:flex;justify-content:space-between;align-items:flex-start;gap:14px;padding:14px 0;border-bottom:1px solid rgba(226,232,240,.6)}
.row-item:last-child{border:none;padding-bottom:0}
.row-item:first-child{padding-top:0}
.row-label strong{display:block;color:var(--ink);font-size:.95rem;font-weight:600;margin-bottom:2px}
.row-label span{color:var(--muted);font-size:.8rem;line-height:1.4}
.row-value{
  font-family:'Instrument Serif',serif;font-size:1.3rem;line-height:1;
  color:var(--indigo);font-weight:400;white-space:nowrap;letter-spacing:-.02em;
}
.dual-col.free .row-value{color:#059669;font-size:1rem;font-weight:600;font-family:'Inter',sans-serif;display:inline-flex;align-items:center;gap:4px}
.dual-col.free .row-value:before{content:"✕";font-size:1.1rem}

.dual-foot{text-align:center;margin:36px auto 0;color:var(--muted);font-size:.88rem;max-width:720px}
.dual-foot a{color:var(--indigo);font-weight:600}

@media (max-width:800px){.dual-wrap{grid-template-columns:1fr}}

/* -------- Condensed Guide: visual elements -------- */

/* Feature icon tiles (6 cards grid) */
.feat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:18px 0}
.feat-tile{background:#F8FAFC;border:1px solid var(--line);border-radius:12px;padding:14px;display:flex;gap:10px;align-items:flex-start}
.feat-ic{width:30px;height:30px;border-radius:8px;background:var(--grad);color:#fff;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.feat-ic svg{width:14px;height:14px}
.feat-body strong{display:block;color:var(--ink);font-size:.88rem;line-height:1.2;margin-bottom:3px}
.feat-body span{color:var(--muted);font-size:.78rem;line-height:1.4}
@media (max-width:700px){.feat-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:450px){.feat-grid{grid-template-columns:1fr}}

/* Chip tags for loan uses */
.chip-row{display:flex;flex-wrap:wrap;gap:8px;margin:16px 0 10px}
.chip{background:#F0F9FF;color:var(--indigo-d);padding:7px 14px;border-radius:999px;font-size:.82rem;font-weight:600;border:1px solid rgba(3,105,161,.15);text-decoration:none;transition:all .2s}
a.chip:hover{background:var(--indigo);color:#fff;border-color:transparent}

/* Dual column pros/cons */
.pc-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:18px 0}
.pc-col{background:#F8FAFC;border-radius:12px;padding:18px 20px;border-top:3px solid}
.pc-col.yes{border-color:#059669}
.pc-col.no{border-color:#DC2626}
.pc-head{font-weight:700;font-size:.84rem;letter-spacing:.05em;text-transform:uppercase;margin-bottom:10px}
.pc-col.yes .pc-head{color:#059669}
.pc-col.no .pc-head{color:#DC2626}
.pc-col ul{list-style:none;padding:0;margin:0}
.pc-col li{padding:5px 0 5px 20px;font-size:.88rem;color:#334155;position:relative;line-height:1.5}
.pc-col.yes li:before{content:"✓";position:absolute;left:0;color:#059669;font-weight:800}
.pc-col.no li:before{content:"✕";position:absolute;left:0;color:#DC2626;font-weight:800}
@media (max-width:650px){.pc-grid{grid-template-columns:1fr}}

/* Example callout box */
.ex-callout{background:linear-gradient(135deg,rgba(3,105,161,.04),rgba(6,182,212,.04));border-left:4px solid var(--indigo);border-radius:12px;padding:20px 24px;margin:18px 0;font-size:.94rem;color:#334155;line-height:1.65}
.ex-callout strong{color:var(--ink)}

/* Big stat callout (FICO) */
.big-stat{display:flex;align-items:center;gap:20px;background:linear-gradient(135deg,rgba(3,105,161,.06),rgba(6,182,212,.06));border-radius:16px;padding:22px 26px;margin:18px 0}
.big-stat-num{font-family:'Instrument Serif',serif;font-size:2.6rem;line-height:1;background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent;font-weight:400;letter-spacing:-.03em;flex-shrink:0}
.big-stat-body{font-size:.92rem;color:#334155;line-height:1.5}
.big-stat-body strong{color:var(--ink);display:block;font-size:1rem;margin-bottom:3px}
@media (max-width:600px){.big-stat{flex-direction:column;text-align:center;gap:10px}}

/* Trust compliance badges */
.badge-row{display:flex;flex-wrap:wrap;gap:8px;margin:12px 0}
.t-badge{background:#F0FDF4;color:#059669;padding:5px 11px;border-radius:6px;font-size:.72rem;font-weight:700;letter-spacing:.03em;border:1px solid rgba(5,150,105,.2);display:inline-flex;align-items:center;gap:4px}
.t-badge:before{content:"✓";font-weight:800}

/* Numbered step chips (3-col grid) */
.step-row{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:16px 0 14px}
.step-item{background:#F8FAFC;border:1px solid var(--line);border-radius:10px;padding:12px 14px;display:flex;gap:10px;align-items:flex-start}
.step-dot{width:24px;height:24px;border-radius:50%;background:var(--grad);color:#fff;display:flex;align-items:center;justify-content:center;font-size:.78rem;font-weight:700;flex-shrink:0;font-family:'Instrument Serif',serif}
.step-item span{color:#334155;font-size:.84rem;line-height:1.4}
@media (max-width:700px){.step-row{grid-template-columns:1fr}}

/* -------- Compact Learn Section (Topics covered) -------- */
.learn-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;max-width:1000px;margin:0 auto}
.learn-item{
  background:#fff;border:1px solid var(--line);border-radius:14px;
  padding:18px 20px;text-decoration:none;color:inherit;
  display:flex;gap:14px;align-items:flex-start;
  transition:all .25s;position:relative;overflow:hidden;
}
.learn-item:hover{transform:translateY(-3px);border-color:var(--pink);box-shadow:0 12px 25px rgba(3,105,161,.1)}
.learn-item:before{content:"";position:absolute;top:0;left:0;bottom:0;width:3px;background:var(--grad);transform:scaleY(0);transform-origin:top;transition:transform .25s}
.learn-item:hover:before{transform:scaleY(1)}

.learn-ic{
  width:38px;height:38px;border-radius:10px;flex-shrink:0;
  background:linear-gradient(135deg,rgba(3,105,161,.08),rgba(6,182,212,.08));
  color:var(--indigo);
  display:flex;align-items:center;justify-content:center;
}
.learn-ic svg{width:18px;height:18px}

.learn-body{flex:1;min-width:0}
.learn-tag{font-size:.64rem;color:var(--muted);letter-spacing:.08em;text-transform:uppercase;font-weight:700;margin-bottom:4px}
.learn-item h3{
  font-family:'Instrument Serif',serif;font-weight:400;font-size:1rem;
  color:var(--ink);line-height:1.25;margin:0;
}
.learn-time{font-size:.72rem;color:var(--muted);margin-top:6px;display:flex;align-items:center;gap:4px}
.learn-time:before{content:"⏱";font-size:.78rem}

.learn-foot{
  max-width:1000px;margin:30px auto 0;
  display:flex;justify-content:space-between;align-items:center;gap:20px;
  padding:20px 24px;background:#fff;border-radius:14px;border:1px solid var(--line);
}
.learn-authority{font-size:.86rem;color:var(--muted);display:flex;align-items:center;gap:10px}
.learn-authority:before{
  content:"✓";display:inline-flex;align-items:center;justify-content:center;
  width:28px;height:28px;border-radius:50%;
  background:#F0FDF4;color:#059669;font-weight:800;flex-shrink:0;
}
.learn-authority strong{color:var(--ink)}
.learn-cta{
  display:inline-flex;align-items:center;gap:6px;
  background:var(--grad);color:#fff;padding:10px 20px;
  border-radius:999px;text-decoration:none;font-weight:600;font-size:.88rem;
  box-shadow:0 6px 16px rgba(3,105,161,.3);transition:all .2s;white-space:nowrap;flex-shrink:0;
}
.learn-cta:hover{transform:translateY(-2px);box-shadow:0 10px 22px rgba(3,105,161,.4)}

@media (max-width:800px){.learn-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:500px){
  .learn-grid{grid-template-columns:1fr}
  .learn-foot{flex-direction:column;text-align:center}
  .learn-authority{text-align:left}
}

/* -------- Interactive Loan Calculator -------- */
.calc-sec{padding:80px 0;background:var(--off);position:relative;overflow:hidden}
.calc-sec:before{content:"";position:absolute;top:-100px;right:-100px;width:400px;height:400px;border-radius:50%;background:var(--grad);filter:blur(100px);opacity:.08;pointer-events:none}

.calc-wrap{
  display:grid;grid-template-columns:1fr 1fr;gap:24px;
  max-width:960px;margin:0 auto;position:relative;z-index:1;
}

/* INPUTS SIDE */
.calc-inputs{
  background:#fff;border-radius:24px;padding:32px 30px;
  border:1px solid var(--line);box-shadow:0 15px 40px rgba(3,105,161,.08);
  display:flex;flex-direction:column;gap:24px;
}
.calc-field-head{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:10px}
.calc-field-head label{font-size:.8rem;color:var(--muted);letter-spacing:.05em;text-transform:uppercase;font-weight:700}
.calc-value{font-family:'Instrument Serif',serif;font-size:1.5rem;line-height:1;color:var(--indigo);font-weight:400;letter-spacing:-.02em}

/* Slider */
.calc-slider{
  -webkit-appearance:none;appearance:none;
  width:100%;height:6px;border-radius:999px;
  background:linear-gradient(90deg,var(--indigo) 0%,var(--pink) 50%,var(--line) 50%);
  outline:none;cursor:pointer;
}
.calc-slider::-webkit-slider-thumb{
  -webkit-appearance:none;appearance:none;
  width:22px;height:22px;border-radius:50%;
  background:#fff;border:3px solid var(--indigo);
  box-shadow:0 4px 12px rgba(3,105,161,.3);cursor:pointer;transition:transform .15s;
}
.calc-slider::-webkit-slider-thumb:hover{transform:scale(1.15)}
.calc-slider::-moz-range-thumb{
  width:22px;height:22px;border-radius:50%;
  background:#fff;border:3px solid var(--indigo);
  box-shadow:0 4px 12px rgba(3,105,161,.3);cursor:pointer;
}
.calc-range{display:flex;justify-content:space-between;font-size:.72rem;color:var(--muted);margin-top:6px;font-weight:600;letter-spacing:.03em}

/* Term tabs */
.calc-terms{display:grid;grid-template-columns:repeat(4,1fr);gap:6px;margin-top:4px}
.calc-term{
  padding:12px 8px;background:#F1F5F9;border:none;border-radius:10px;
  font-family:'Inter',sans-serif;font-size:.85rem;font-weight:600;color:var(--muted);
  cursor:pointer;transition:all .2s;
}
.calc-term:hover{background:#E2E8F0}
.calc-term.active{background:var(--grad);color:#fff;box-shadow:0 6px 14px rgba(3,105,161,.3)}

/* OUTPUT SIDE */
.calc-output{
  background:var(--grad);color:#fff;border-radius:24px;padding:32px 30px;
  box-shadow:0 25px 60px rgba(3,105,161,.25);
  display:flex;flex-direction:column;gap:20px;position:relative;overflow:hidden;
}
.calc-output:before{content:"";position:absolute;top:-80px;right:-80px;width:200px;height:200px;border-radius:50%;background:rgba(103,232,249,.3);filter:blur(60px);pointer-events:none}
.calc-out-main{text-align:center;position:relative;z-index:1}
.calc-out-label{font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;font-weight:700;opacity:.85;margin-bottom:8px}
.calc-out-amt{font-family:'Instrument Serif',serif;font-size:3.5rem;line-height:1;font-weight:400;letter-spacing:-.03em;margin-bottom:6px}
.calc-out-sub{font-size:.82rem;opacity:.85}

/* Breakdown bar */
.calc-bar-wrap{position:relative;z-index:1}
.calc-bar{height:10px;background:rgba(255,255,255,.15);border-radius:999px;overflow:hidden;display:flex}
.calc-bar-principal{background:#fff;transition:width .3s}
.calc-bar-interest{background:#67E8F9;transition:width .3s}
.calc-bar-legend{display:flex;justify-content:space-between;font-size:.78rem;margin-top:10px;opacity:.95}
.calc-bar-legend .dot{display:inline-block;width:10px;height:10px;border-radius:50%;margin-right:5px;vertical-align:middle}
.calc-bar-legend .dot.principal{background:#fff}
.calc-bar-legend .dot.interest{background:#67E8F9}
.calc-bar-legend strong{font-family:'Instrument Serif',serif;font-weight:400;margin-left:4px}

/* Rows */
.calc-out-row{display:flex;flex-direction:column;gap:8px;padding-top:16px;border-top:1px dashed rgba(255,255,255,.25);position:relative;z-index:1}
.calc-out-row>div{display:flex;justify-content:space-between;font-size:.88rem}
.calc-out-row span{opacity:.85}
.calc-out-row strong{font-family:'Instrument Serif',serif;font-weight:400;font-size:1rem}

.calc-cta{
  display:block;text-align:center;background:#fff;color:var(--indigo-d);
  padding:14px 24px;border-radius:999px;text-decoration:none;font-weight:700;font-size:.95rem;
  margin-top:8px;transition:all .2s;position:relative;z-index:1;
}
.calc-cta:hover{transform:translateY(-2px);box-shadow:0 10px 24px rgba(0,0,0,.15)}

.calc-disclaimer{text-align:center;margin:24px auto 0;max-width:720px;font-size:.82rem;color:var(--muted)}
.calc-disclaimer a{color:var(--indigo);font-weight:600}

@media (max-width:800px){
  .calc-wrap{grid-template-columns:1fr}
  .calc-out-amt{font-size:3rem}
}