/* ============================================
   CashTimeCenter.com - Master Stylesheet
   Theme: #ffffff #02059c #e8eff6 #e51436
   Layout: 1 Column
   ============================================ */

@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@300;400;500;600;700;800&family=Instrument+Serif:ital@0;1&display=swap');

:root {
  --white: #ffffff;
  --navy: #02059c;
  --light-blue: #e8eff6;
  --red: #e51436;
  --navy-dark: #01046e;
  --navy-light: #1a1daf;
  --gray-50: #f8fafc;
  --gray-100: #f1f5f9;
  --gray-200: #e2e8f0;
  --gray-300: #cbd5e1;
  --gray-400: #94a3b8;
  --gray-500: #64748b;
  --gray-600: #475569;
  --gray-700: #334155;
  --gray-800: #1e293b;
  --gray-900: #0f172a;
  --shadow-sm: 0 1px 2px rgba(2,5,156,0.05);
  --shadow-md: 0 4px 16px rgba(2,5,156,0.08);
  --shadow-lg: 0 8px 32px rgba(2,5,156,0.12);
  --shadow-xl: 0 16px 48px rgba(2,5,156,0.16);
  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --radius-xl: 28px;
  --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --max-width: 1200px;
  --font-body: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-display: 'Instrument Serif', Georgia, serif;
}

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

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--font-body);
  color: var(--gray-800);
  background: var(--white);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; transition: var(--transition); }
ul, ol { list-style: none; }

.container { max-width: var(--max-width); margin: 0 auto; padding: 0 24px; }
.container-narrow { max-width: 800px; margin: 0 auto; padding: 0 24px; }

/* ============ HEADER / NAVIGATION ============ */
.header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(2,5,156,0.06);
  transition: var(--transition);
}

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

.header-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  font-size: 1.35rem;
  color: var(--navy);
}

.logo img { width: 36px; height: 36px; border-radius: 8px; }
.logo span { color: var(--red); }

.nav { display: flex; align-items: center; gap: 4px; }

.nav a {
  padding: 8px 16px;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--gray-600);
  border-radius: var(--radius-sm);
  position: relative;
}

.nav a:hover, .nav a.active {
  color: var(--navy);
  background: var(--light-blue);
}

/* Dropdown */
.nav-dropdown { position: relative; }

.nav-dropdown > a::after {
  content: '';
  display: inline-block;
  width: 0; height: 0;
  border-left: 4px solid transparent;
  border-right: 4px solid transparent;
  border-top: 4px solid currentColor;
  margin-left: 6px;
  vertical-align: middle;
  transition: var(--transition);
}

.dropdown-menu {
  position: absolute;
  top: calc(100% + 8px);
  left: 50%;
  transform: translateX(-50%) translateY(8px);
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  min-width: 220px;
  padding: 8px;
  opacity: 0;
  visibility: hidden;
  transition: var(--transition);
  z-index: 100;
}

.nav-dropdown:hover .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}

.dropdown-menu a {
  display: block;
  padding: 10px 16px;
  font-size: 0.88rem;
  border-radius: var(--radius-sm);
  color: var(--gray-600);
}

.dropdown-menu a:hover {
  background: var(--light-blue);
  color: var(--navy);
}

/* Mobile Menu */
.menu-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 8px;
  background: none;
  border: none;
}

.menu-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: var(--transition);
}

.nav-cta {
  display: inline-flex;
  align-items: center;
  padding: 10px 24px;
  background: var(--red);
  color: var(--white) !important;
  font-weight: 600;
  font-size: 0.88rem;
  border-radius: 50px;
  margin-left: 8px;
  box-shadow: 0 4px 12px rgba(229,20,54,0.3);
  transition: var(--transition);
}

.nav-cta:hover {
  background: #c91130;
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(229,20,54,0.4);
}

@media (max-width: 1024px) {
  .menu-toggle { display: flex; }
  .nav {
    position: fixed;
    top: 72px; left: 0; right: 0; bottom: 0;
    background: var(--white);
    flex-direction: column;
    padding: 24px;
    gap: 4px;
    transform: translateX(100%);
    transition: var(--transition);
    overflow-y: auto;
  }
  .nav.open { transform: translateX(0); }
  .nav a { width: 100%; padding: 14px 16px; font-size: 1rem; }
  .nav-cta { width: 100%; text-align: center; justify-content: center; margin: 12px 0 0; }
  .dropdown-menu {
    position: static;
    transform: none;
    box-shadow: none;
    border: none;
    opacity: 1;
    visibility: visible;
    padding: 0 0 0 16px;
    display: none;
    min-width: auto;
  }
  .nav-dropdown.open .dropdown-menu { display: block; }
}

/* ============ BREADCRUMB ============ */
.breadcrumb {
  padding: 16px 0;
  font-size: 0.82rem;
  color: var(--gray-400);
}

.breadcrumb a { color: var(--navy); }
.breadcrumb a:hover { text-decoration: underline; }
.breadcrumb .sep { margin: 0 8px; color: var(--gray-300); }

/* ============ HERO SECTION ============ */
.hero {
  padding: 120px 0 80px;
  background: linear-gradient(165deg, var(--white) 0%, var(--light-blue) 50%, var(--white) 100%);
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(2,5,156,0.04) 0%, transparent 70%);
  border-radius: 50%;
}

.hero-content {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.hero-text h1 {
  font-family: var(--font-display);
  font-size: 3.2rem;
  line-height: 1.15;
  color: var(--gray-900);
  margin-bottom: 20px;
}

.hero-text h1 em {
  color: var(--navy);
  font-style: italic;
}

.hero-text p {
  font-size: 1.12rem;
  color: var(--gray-500);
  margin-bottom: 32px;
  max-width: 500px;
}

.hero-img {
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-xl);
}

.hero-img img {
  width: 100%;
  transition: transform 0.6s ease;
}

.hero-badges {
  display: flex;
  gap: 24px;
  margin-top: 32px;
  flex-wrap: wrap;
}

.hero-badge {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.88rem;
  color: var(--gray-600);
}

.hero-badge svg {
  width: 20px;
  height: 20px;
  color: var(--navy);
  flex-shrink: 0;
}

/* Hero for inner pages */
.hero-inner {
  padding: 110px 0 50px;
  background: linear-gradient(165deg, var(--light-blue) 0%, var(--white) 100%);
  text-align: center;
}

.hero-inner h1 {
  font-family: var(--font-display);
  font-size: 2.8rem;
  color: var(--gray-900);
  margin-bottom: 16px;
}

.hero-inner h1 em { color: var(--navy); font-style: italic; }

.hero-inner p {
  font-size: 1.08rem;
  color: var(--gray-500);
  max-width: 640px;
  margin: 0 auto 24px;
}

.hero-inner-img {
  max-width: 700px;
  margin: 32px auto 0;
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}

@media (max-width: 768px) {
  .hero { padding: 100px 0 60px; }
  .hero-content { grid-template-columns: 1fr; gap: 40px; text-align: center; }
  .hero-text h1 { font-size: 2.2rem; }
  .hero-text p { margin: 0 auto 24px; }
  .hero-badges { justify-content: center; }
  .hero-img { order: -1; }
  .hero-inner h1 { font-size: 2rem; }
}

/* ============ BUTTONS ============ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  font-family: var(--font-body);
  font-size: 0.95rem;
  font-weight: 600;
  border-radius: 50px;
  border: none;
  cursor: pointer;
  transition: var(--transition);
  text-align: center;
}

.btn-primary {
  background: var(--navy);
  color: var(--white);
  box-shadow: 0 4px 12px rgba(2,5,156,0.25);
}

.btn-primary:hover {
  background: var(--navy-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(2,5,156,0.3);
}

.btn-red {
  background: var(--red);
  color: var(--white);
  box-shadow: 0 4px 12px rgba(229,20,54,0.25);
}

.btn-red:hover {
  background: #c91130;
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(229,20,54,0.35);
}

.btn-outline {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--navy);
}

.btn-outline:hover {
  background: var(--navy);
  color: var(--white);
}

/* ============ SECTION PATTERNS ============ */
.section { padding: 80px 0; }
.section-alt { background: var(--gray-50); }
.section-blue { background: var(--light-blue); }

.section-heading {
  text-align: center;
  margin-bottom: 48px;
}

.section-heading .eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--navy);
  background: var(--light-blue);
  padding: 6px 16px;
  border-radius: 50px;
  margin-bottom: 16px;
}

.section-heading h2 {
  font-family: var(--font-display);
  font-size: 2.4rem;
  color: var(--gray-900);
  margin-bottom: 12px;
}

.section-heading h2 em { color: var(--navy); font-style: italic; }

.section-heading p {
  font-size: 1.05rem;
  color: var(--gray-500);
  max-width: 600px;
  margin: 0 auto;
}

@media (max-width: 768px) {
  .section { padding: 56px 0; }
  .section-heading h2 { font-size: 1.8rem; }
}

/* ============ CARDS ============ */
.card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: var(--transition);
}

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

.card-img {
  aspect-ratio: 16/10;
  overflow: hidden;
}

.card-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.5s ease;
}

.card:hover .card-img img {
  transform: scale(1.05);
}

.card-body { padding: 24px; }
.card-body h3 {
  font-size: 1.12rem;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 8px;
}

.card-body p {
  font-size: 0.9rem;
  color: var(--gray-500);
  line-height: 1.6;
}

/* ============ GRID LAYOUTS ============ */
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }

@media (max-width: 1024px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
}

/* ============ HOW IT WORKS ============ */
.steps-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
  counter-reset: step;
}

.step {
  text-align: center;
  position: relative;
}

.step::before {
  counter-increment: step;
  content: counter(step);
  display: flex;
  align-items: center;
  justify-content: center;
  width: 56px;
  height: 56px;
  background: var(--light-blue);
  color: var(--navy);
  font-weight: 800;
  font-size: 1.3rem;
  border-radius: 50%;
  margin: 0 auto 20px;
  border: 3px solid var(--navy);
}

.step-img {
  width: 100%;
  max-width: 280px;
  margin: 0 auto 20px;
  border-radius: var(--radius-md);
  overflow: hidden;
}

.step h3 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 8px;
}

.step p {
  font-size: 0.9rem;
  color: var(--gray-500);
}

@media (max-width: 768px) {
  .steps-row { grid-template-columns: 1fr; gap: 32px; }
}

/* ============ FORM SECTION ============ */
.form-section {
  padding: 60px 0;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  position: relative;
  overflow: hidden;
}

.form-section::before {
  content: '';
  position: absolute;
  top: -100px;
  right: -100px;
  width: 400px;
  height: 400px;
  background: rgba(255,255,255,0.03);
  border-radius: 50%;
}

.form-section .container { position: relative; z-index: 1; }

.form-section h2 {
  font-family: var(--font-display);
  font-size: 2.2rem;
  color: var(--white);
  text-align: center;
  margin-bottom: 8px;
}

.form-section > .container > p {
  color: rgba(255,255,255,0.7);
  text-align: center;
  margin-bottom: 32px;
}

.form-wrap {
  max-width: 700px;
  margin: 0 auto;
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 32px;
  box-shadow: var(--shadow-xl);
}

/* ============ REVIEW STARS ============ */
.stars {
  display: inline-flex;
  gap: 2px;
  color: #f59e0b;
}

.star-filled { fill: #f59e0b; }
.star-half { fill: url(#half-star-grad); }
.star-empty { fill: #e2e8f0; }

.rating-summary {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}

.rating-big {
  font-size: 3.5rem;
  font-weight: 800;
  color: var(--navy);
  line-height: 1;
}

.rating-bar {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 0.88rem;
  color: var(--gray-500);
  margin-bottom: 6px;
}

.rating-bar span:first-child {
  width: 28px;
  text-align: right;
  flex-shrink: 0;
}

.rating-bar span:last-child {
  width: 36px;
  text-align: right;
  flex-shrink: 0;
  font-weight: 600;
  color: var(--gray-700);
}

.rating-bar-track {
  flex: 1;
  height: 10px;
  background: var(--gray-200);
  border-radius: 5px;
  overflow: hidden;
}

.rating-bar-fill {
  height: 100%;
  background: #f59e0b;
  border-radius: 4px;
  transition: width 1s ease;
}

/* ============ REVIEW COMMENTS ============ */
.review-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 28px;
  transition: var(--transition);
}

.review-card:hover {
  border-color: var(--navy);
  box-shadow: var(--shadow-md);
}

.review-card .reviewer {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 12px;
}

.reviewer-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--light-blue);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  color: var(--navy);
  font-size: 1rem;
  flex-shrink: 0;
}

.reviewer-name { font-weight: 600; font-size: 0.95rem; color: var(--gray-900); }
.reviewer-date { font-size: 0.8rem; color: var(--gray-400); }

.review-card blockquote {
  font-size: 0.92rem;
  color: var(--gray-600);
  line-height: 1.7;
  font-style: italic;
}

/* ============ ALTERNATIVE TABLE ============ */
.alt-table {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  overflow: hidden;
  font-size: 0.9rem;
}

.alt-table thead {
  background: var(--navy);
  color: var(--white);
}

.alt-table th {
  padding: 14px 16px;
  text-align: left;
  font-weight: 600;
  font-size: 0.82rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.alt-table td {
  padding: 14px 16px;
  border-bottom: 1px solid var(--gray-100);
  color: var(--gray-700);
}

.alt-table tr:last-child td { border-bottom: none; }
.alt-table tr:hover td { background: var(--light-blue); }

/* ============ CALCULATOR ============ */
.calc-container {
  background: var(--white);
  border: 2px solid var(--gray-200);
  border-radius: var(--radius-xl);
  padding: 40px;
  box-shadow: var(--shadow-lg);
}

.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: start;
}

.calc-input-group { margin-bottom: 24px; }

.calc-input-group label {
  display: block;
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--gray-700);
  margin-bottom: 8px;
}

.calc-input-group input[type="range"] {
  width: 100%;
  accent-color: var(--navy);
}

.calc-input-group .range-labels {
  display: flex;
  justify-content: space-between;
  font-size: 0.78rem;
  color: var(--gray-400);
  margin-top: 4px;
}

.calc-result-card {
  background: var(--light-blue);
  border-radius: var(--radius-lg);
  padding: 32px;
  text-align: center;
}

.calc-result-big {
  font-size: 2.8rem;
  font-weight: 800;
  color: var(--navy);
  line-height: 1;
  margin-bottom: 8px;
}

.calc-result-label {
  font-size: 0.85rem;
  color: var(--gray-500);
  margin-bottom: 16px;
}

@media (max-width: 768px) {
  .calc-grid { grid-template-columns: 1fr; }
  .calc-container { padding: 24px; }
}

/* ============ FAQ ACCORDION ============ */
.faq-item {
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  margin-bottom: 12px;
  overflow: hidden;
  transition: var(--transition);
}

.faq-item.open { border-color: var(--navy); }

.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 24px;
  cursor: pointer;
  font-weight: 600;
  font-size: 0.98rem;
  color: var(--gray-800);
  background: var(--white);
  border: none;
  width: 100%;
  text-align: left;
  font-family: var(--font-body);
  transition: var(--transition);
}

.faq-question:hover { background: var(--gray-50); }

.faq-question .icon {
  width: 24px;
  height: 24px;
  flex-shrink: 0;
  transition: transform 0.3s;
}

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

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease;
}

.faq-answer-inner {
  padding: 20px 24px;
  font-size: 0.92rem;
  color: var(--gray-600);
  line-height: 1.8;
}

/* ============ BLOG CARDS ============ */
.blog-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: var(--transition);
}

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

.blog-card-img {
  aspect-ratio: 16/10;
  overflow: hidden;
}

.blog-card-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.5s ease;
}

.blog-card:hover .blog-card-img img { transform: scale(1.05); }

.blog-card-body { padding: 20px; }

.blog-card-meta {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 0.78rem;
  color: var(--gray-400);
  margin-bottom: 10px;
}

.blog-card-body h3 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 8px;
  line-height: 1.4;
}

.blog-card-body h3 a:hover { color: var(--navy); }

.blog-card-body p {
  font-size: 0.85rem;
  color: var(--gray-500);
  line-height: 1.6;
  display: -webkit-box;
  -webkit-line-clamp: 3;
  -webkit-box-orient: vertical;
  overflow: hidden;
}

/* ============ BLOG POST SINGLE ============ */
.blog-post-content {
  max-width: 780px;
  margin: 0 auto;
}

.blog-post-content h2 {
  font-family: var(--font-display);
  font-size: 1.8rem;
  color: var(--gray-900);
  margin: 40px 0 16px;
}

.blog-post-content h3 {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--gray-800);
  margin: 32px 0 12px;
}

.blog-post-content p {
  font-size: 1.02rem;
  line-height: 1.85;
  color: var(--gray-600);
  margin-bottom: 20px;
}

.blog-post-content img {
  border-radius: var(--radius-md);
  margin: 32px 0;
}

.blog-post-content ul, .blog-post-content ol {
  margin: 16px 0 20px 24px;
  list-style: disc;
}

.blog-post-content li {
  font-size: 1rem;
  color: var(--gray-600);
  line-height: 1.8;
  margin-bottom: 8px;
}

.blog-author-box {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 24px;
  background: var(--light-blue);
  border-radius: var(--radius-lg);
  margin: 32px 0;
}

.blog-author-avatar {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1.2rem;
  flex-shrink: 0;
}

.blog-author-name { font-weight: 700; color: var(--gray-900); }
.blog-author-title { font-size: 0.82rem; color: var(--gray-500); }

.social-share {
  display: flex;
  gap: 8px;
  margin: 24px 0;
}

.social-share a {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--light-blue);
  color: var(--navy);
  transition: var(--transition);
}

.social-share a:hover {
  background: var(--navy);
  color: var(--white);
}

.related-posts {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-top: 40px;
}

@media (max-width: 768px) {
  .related-posts { grid-template-columns: 1fr; }
}

/* ============ CTA SECTION ============ */
.cta-section {
  padding: 80px 0;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-section::before {
  content: '';
  position: absolute;
  bottom: -150px;
  left: -150px;
  width: 400px;
  height: 400px;
  background: rgba(229,20,54,0.1);
  border-radius: 50%;
}

.cta-section h2 {
  font-family: var(--font-display);
  font-size: 2.4rem;
  color: var(--white);
  margin-bottom: 16px;
}

.cta-section p {
  color: rgba(255,255,255,0.7);
  font-size: 1.05rem;
  max-width: 500px;
  margin: 0 auto 32px;
}

/* ============ FOOTER ============ */
.footer {
  background: var(--gray-900);
  color: var(--gray-400);
  padding: 64px 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 48px;
  border-bottom: 1px solid var(--gray-800);
}

.footer-about .logo {
  color: var(--white);
  margin-bottom: 16px;
}

.footer-about p {
  font-size: 0.88rem;
  line-height: 1.7;
  margin-bottom: 16px;
}

.footer-contact-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.85rem;
  margin-bottom: 8px;
}

.footer h4 {
  color: var(--white);
  font-size: 0.9rem;
  font-weight: 700;
  margin-bottom: 20px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.footer-links a {
  display: block;
  padding: 5px 0;
  font-size: 0.88rem;
  color: var(--gray-400);
}

.footer-links a:hover { color: var(--white); }

.footer-disclosure {
  padding: 32px 0;
  border-top: 1px solid var(--gray-800);
  font-size: 0.78rem;
  line-height: 1.8;
  color: var(--gray-500);
}

.footer-bottom {
  padding: 20px 0;
  border-top: 1px solid var(--gray-800);
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.82rem;
  flex-wrap: wrap;
  gap: 12px;
}

.footer-bottom-links { display: flex; gap: 20px; }
.footer-bottom-links a { color: var(--gray-400); }
.footer-bottom-links a:hover { color: var(--white); }

@media (max-width: 768px) {
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; text-align: center; }
}

/* ============ SCROLL TO TOP ============ */
.scroll-top {
  position: fixed;
  bottom: 32px;
  right: 32px;
  width: 48px;
  height: 48px;
  background: var(--navy);
  color: var(--white);
  border: none;
  border-radius: 50%;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  visibility: hidden;
  transform: translateY(16px);
  transition: var(--transition);
  box-shadow: var(--shadow-lg);
  z-index: 999;
}

.scroll-top.visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.scroll-top:hover {
  background: var(--red);
  transform: translateY(-2px);
}

/* ============ ANIMATIONS ============ */
.fade-in {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}

.stagger-1 { transition-delay: 0.1s; }
.stagger-2 { transition-delay: 0.2s; }
.stagger-3 { transition-delay: 0.3s; }
.stagger-4 { transition-delay: 0.4s; }

/* ============ FEATURE BOXES ============ */
.feature-box {
  padding: 32px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  text-align: center;
  transition: var(--transition);
}

.feature-box:hover {
  border-color: var(--navy);
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}

.feature-icon {
  width: 64px;
  height: 64px;
  background: var(--light-blue);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
  color: var(--navy);
}

.feature-box h3 {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 8px;
}

.feature-box p {
  font-size: 0.88rem;
  color: var(--gray-500);
}

/* ============ STAT COUNTER ============ */
.stats-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  text-align: center;
}

.stat-item .stat-number {
  font-size: 2.8rem;
  font-weight: 800;
  color: var(--navy);
  line-height: 1;
  margin-bottom: 4px;
}

.stat-item .stat-label {
  font-size: 0.85rem;
  color: var(--gray-500);
}

@media (max-width: 768px) {
  .stats-row { grid-template-columns: repeat(2, 1fr); gap: 20px; }
  .stat-item .stat-number { font-size: 2rem; }
}

/* ============ MISC ============ */
.divider { height: 1px; background: var(--gray-200); margin: 48px 0; }

.tag {
  display: inline-block;
  padding: 4px 12px;
  background: var(--light-blue);
  color: var(--navy);
  font-size: 0.75rem;
  font-weight: 600;
  border-radius: 50px;
}

.text-navy { color: var(--navy); }
.text-red { color: var(--red); }
.bg-light { background: var(--light-blue); }

/* Content area prose */
.prose p { margin-bottom: 18px; line-height: 1.85; }
.prose h2 { font-family: var(--font-display); font-size: 1.8rem; margin: 40px 0 16px; color: var(--gray-900); }
.prose h3 { font-size: 1.25rem; font-weight: 700; margin: 32px 0 12px; color: var(--gray-800); }
.prose img { border-radius: var(--radius-md); margin: 28px 0; }
.prose ul, .prose ol { margin: 16px 0 20px 24px; list-style: disc; }
.prose li { margin-bottom: 8px; line-height: 1.8; color: var(--gray-600); }

/* Loan category specific */
.loan-feature-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

@media (max-width: 768px) {
  .loan-feature-grid { grid-template-columns: 1fr; }
}

/* Hidden form number */
.form-wrap iframe,
.form-wrap form { max-width: 100%; }
#_lg_form_ { position: relative; }

/* Print */
@media print {
  .header, .footer, .scroll-top, .cta-section { display: none; }
}