/* ========================================
   MONEYCAT MX - Main Stylesheet
   ======================================== */

/* --- Reset & Base --- */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

:root {
  --primary: #FF6B00;
  --primary-dark: #e55d00;
  --primary-light: #fff3e8;
  --secondary: #00B894;
  --secondary-dark: #009d7e;
  --secondary-light: #e6f9f4;
  --accent: #FF6B00;
  --accent-dark: #e55d00;
  --accent-light: #fff3e8;
  --teal: #00B894;
  --teal-dark: #009d7e;
  --dark: #1a1a2e;
  --text: #2d2d3a;
  --text-muted: #7a7a8e;
  --border: #e0e4ea;
  --bg: #f5f6f8;
  --bg-light: #f0f2f5;
  --white: #ffffff;
  --success: #00B894;
  --shadow-sm: 0 1px 3px rgba(0,0,0,.05);
  --shadow: 0 4px 20px rgba(0,0,0,.08);
  --shadow-lg: 0 16px 48px rgba(0,0,0,.10);
  --radius: 16px;
  --radius-sm: 10px;
  --radius-lg: 24px;
  --font: 'Nunito', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --transition: .25s ease;
}

html { scroll-behavior: smooth; }

body {
  font-family: var(--font);
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
  font-size: 16px;
}

a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }
ul { list-style: none; }

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
}

/* --- Buttons --- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 15px;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all var(--transition);
  text-align: center;
  justify-content: center;
}

.btn-primary {
  background: var(--teal);
  color: var(--white);
  border-radius: 100px;
}
.btn-primary:hover {
  background: var(--teal-dark);
  transform: translateY(-2px);
  box-shadow: 0 4px 16px rgba(0,184,148,.3);
}

.btn-orange {
  background: var(--primary);
  color: var(--white);
  border-radius: 100px;
}
.btn-orange:hover {
  background: var(--primary-dark);
  transform: translateY(-2px);
  box-shadow: 0 4px 16px rgba(255,107,0,.3);
}

.btn-green {
  background: var(--teal);
  color: var(--white);
  border-radius: 100px;
}
.btn-green:hover {
  background: var(--teal-dark);
  transform: translateY(-2px);
  box-shadow: 0 4px 16px rgba(0,184,148,.3);
}

.btn-outline {
  background: transparent;
  border-color: var(--primary);
  color: var(--primary);
  border-radius: 100px;
}
.btn-outline:hover {
  background: var(--primary);
  color: var(--white);
}

.btn-lg { padding: 18px 36px; font-size: 17px; }
.btn-block { width: 100%; }

/* ========================================
   NAVIGATION
   ======================================== */
.navbar {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 22px;
  font-weight: 800;
}

.nav-logo .logo-icon {
  width: 42px;
  height: 42px;
  object-fit: contain;
  flex-shrink: 0;
}

.nav-logo .logo-text { color: var(--dark); }
.nav-logo .logo-text span { color: var(--primary); }

.nav-links {
  display: flex;
  align-items: center;
  gap: 8px;
}

.nav-links a {
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  font-size: 14px;
  font-weight: 500;
  color: var(--text-muted);
  transition: all var(--transition);
}

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

.nav-cta {
  background: var(--teal);
  color: var(--white) !important;
  font-weight: 700 !important;
  padding: 10px 20px !important;
  border-radius: 100px !important;
}
.nav-cta:hover { background: var(--teal-dark) !important; }

.nav-cta-orange {
  background: var(--primary);
  color: var(--white) !important;
  font-weight: 700 !important;
  padding: 10px 20px !important;
  border-radius: 100px !important;
}
.nav-cta-orange:hover { background: var(--primary-dark) !important; }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  background: none;
  border: none;
  padding: 8px;
}

.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--text);
  border-radius: 2px;
  transition: all var(--transition);
}

.mobile-menu {
  display: none;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  padding: 16px 20px;
}

.mobile-menu.open { display: block; }

.mobile-menu a {
  display: block;
  padding: 12px 0;
  font-size: 15px;
  font-weight: 500;
  color: var(--text);
  border-bottom: 1px solid var(--border);
}

.mobile-menu .mobile-cta {
  display: block;
  margin-top: 16px;
  text-align: center;
  background: var(--primary);
  padding: 14px;
  border-radius: 100px;
  font-weight: 700;
  color: var(--white);
}

.mobile-menu .mobile-cta-teal {
  display: block;
  margin-top: 8px;
  text-align: center;
  background: var(--teal);
  padding: 14px;
  border-radius: 100px;
  font-weight: 700;
  color: var(--white);
}

/* ========================================
   HERO SECTION
   ======================================== */
.hero {
  background: var(--bg);
  padding: 60px 0 80px;
  position: relative;
  overflow: hidden;
}

.hero-inner {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--primary-light);
  border: 1px solid rgba(255,107,0,.2);
  border-radius: 100px;
  padding: 6px 16px;
  font-size: 13px;
  color: var(--primary);
  margin-bottom: 24px;
  font-weight: 600;
}

.hero h1 {
  font-size: 48px;
  font-weight: 800;
  color: var(--dark);
  line-height: 1.15;
  margin-bottom: 20px;
  letter-spacing: -1px;
}

.hero h1 em {
  font-style: normal;
  color: var(--primary);
}

.hero p {
  font-size: 18px;
  color: var(--text-muted);
  margin-bottom: 36px;
  max-width: 480px;
}

.hero-features {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 36px;
}

.hero-feature {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--text);
  font-size: 14px;
  font-weight: 500;
}

.hero-feature .check {
  width: 20px;
  height: 20px;
  background: var(--teal);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 11px;
  color: var(--white);
  flex-shrink: 0;
}

/* Calculator Card */
.calc-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 36px 20px;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
}

.calc-card h3 {
  font-size: 20px;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 24px;
  text-align: center;
}

.calc-group {
  margin-bottom: 28px;
}

.calc-group label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 14px;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 12px;
}

.calc-group label .value {
  font-size: 18px;
  color: var(--primary);
  font-weight: 700;
}

input[type="range"] {
  -webkit-appearance: none;
  width: 100%;
  height: 4px;
  background: var(--border);
  border-radius: 2px;
  outline: none;
  cursor: pointer;
}

input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 24px;
  height: 24px;
  background: var(--primary);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(255,107,0,.35);
  transition: transform var(--transition);
  border: 3px solid var(--white);
}

input[type="range"]::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}

.calc-summary {
  background: var(--bg);
  border-radius: var(--radius-sm);
  padding: 16px;
  margin-bottom: 20px;
}

.calc-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 6px 0;
  font-size: 14px;
}

.calc-row:not(:last-child) {
  border-bottom: 1px solid var(--border);
}

.calc-row .label { color: var(--text-muted); }
.calc-row .amount { font-weight: 700; color: var(--text); }
.calc-row.total .label,
.calc-row.total .amount { color: var(--primary); font-size: 16px; }

.calc-disclaimer {
  font-size: 9px;
  color: var(--text-muted);
  text-align: center;
  margin-top: 10px;
  margin-bottom: -8px;
  line-height: 1.4;
}

/* ========================================
   STATS SECTION
   ======================================== */
.stats {
  padding: 0;
  margin-top: -1px;
}

.stats-inner {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  overflow: hidden;
}

.stat-item {
  padding: 28px 24px;
  text-align: center;
  border-right: 1px solid var(--border);
}

.stat-item:last-child { border-right: none; }

.stat-icon {
  font-size: 28px;
  margin-bottom: 8px;
}

.stat-number {
  font-size: 28px;
  font-weight: 800;
  color: var(--primary);
  line-height: 1;
  margin-bottom: 4px;
}

.stat-label {
  font-size: 13px;
  color: var(--text-muted);
  font-weight: 500;
}

/* ========================================
   SECTION COMMON
   ======================================== */
section { padding: 80px 0; }

.section-header {
  text-align: center;
  max-width: 600px;
  margin: 0 auto 56px;
}

.section-tag {
  display: inline-block;
  background: var(--primary-light);
  color: var(--primary);
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  padding: 6px 14px;
  border-radius: 100px;
  margin-bottom: 16px;
}

.section-header h2 {
  font-size: 38px;
  font-weight: 800;
  color: var(--dark);
  line-height: 1.2;
  letter-spacing: -0.5px;
  margin-bottom: 16px;
}

.section-header p {
  font-size: 17px;
  color: var(--text-muted);
  line-height: 1.7;
}

/* ========================================
   HOW IT WORKS
   ======================================== */
.how-it-works { background: var(--white); }

.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  position: relative;
}

.steps-grid::before {
  content: '';
  position: absolute;
  top: 44px;
  left: 15%;
  right: 15%;
  height: 2px;
  background: linear-gradient(to right, var(--primary), var(--primary-dark));
  z-index: 0;
}

.step-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 32px 24px;
  text-align: center;
  position: relative;
  z-index: 1;
  border: 1px solid var(--border);
  transition: transform var(--transition), box-shadow var(--transition);
}

.step-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow);
}

.step-number {
  width: 56px;
  height: 56px;
  background: var(--primary);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  font-weight: 800;
  color: white;
  margin: 0 auto 20px;
  box-shadow: 0 4px 16px rgba(0,22,76,.3);
}

.step-card h3 {
  font-size: 17px;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 10px;
}

.step-card p {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.6;
}

/* ========================================
   LENDERS / OFFERS
   ======================================== */
.filters {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 32px;
  align-items: center;
}

.filter-label {
  font-size: 14px;
  font-weight: 600;
  color: var(--text-muted);
  margin-right: 4px;
}

.filter-btn {
  padding: 8px 18px;
  border-radius: 100px;
  border: 2px solid var(--border);
  background: var(--white);
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  transition: all var(--transition);
  color: var(--text-muted);
}

.filter-btn.active, .filter-btn:hover {
  border-color: var(--primary);
  color: var(--primary);
  background: var(--primary-light);
}

.lenders-list {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.lender-card {
  background: var(--white);
  border: 2px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  display: grid;
  grid-template-columns: 160px 1fr auto;
  gap: 24px;
  align-items: center;
  transition: all var(--transition);
  cursor: pointer;
}

.lender-card:hover {
  border-color: var(--primary);
  box-shadow: var(--shadow);
  transform: translateY(-2px);
}

.lender-card.recommended {
  border-color: var(--accent);
  position: relative;
}

.recommend-badge {
  position: absolute;
  top: -12px;
  left: 24px;
  background: var(--accent);
  color: #fff;
  font-size: 12px;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: 100px;
}

.lender-logo {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
}

.lender-logo-box {
  width: 100px;
  height: 60px;
  background: var(--bg);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  font-weight: 800;
  color: var(--primary);
  border: 1px solid var(--border);
  overflow: hidden;
}

.lender-logo-box img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  padding: 8px;
}

.stars {
  display: flex;
  gap: 2px;
  color: var(--accent);
  font-size: 13px;
}

.stars span {
  font-size: 12px;
  color: var(--text-muted);
  margin-left: 4px;
}

.lender-details {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}

.detail-item .detail-label {
  font-size: 12px;
  color: var(--text-muted);
  font-weight: 500;
  margin-bottom: 4px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.detail-item .detail-value {
  font-size: 17px;
  font-weight: 700;
  color: var(--dark);
}

.detail-item .detail-sub {
  font-size: 12px;
  color: var(--text-muted);
}

.detail-item.highlight .detail-value {
  color: var(--success);
}

.lender-actions {
  display: flex;
  flex-direction: column;
  gap: 10px;
  min-width: 140px;
}

.tag-list {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  margin-top: 12px;
  grid-column: 1 / -1;
}

.tag {
  font-size: 12px;
  padding: 3px 10px;
  border-radius: 100px;
  font-weight: 600;
}

.tag-green { background: #e6f7ed; color: var(--success); }
.tag-blue { background: var(--primary-light); color: var(--primary); }
.tag-orange { background: var(--accent-light); color: var(--accent-dark); }

/* ========================================
   BENEFITS
   ======================================== */
.benefits-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}

.benefits-list {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.benefit-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.benefit-icon {
  width: 48px;
  height: 48px;
  background: var(--primary-light);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  flex-shrink: 0;
}

.benefit-item h4 {
  font-size: 16px;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 4px;
}

.benefit-item p {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.6;
}

.benefits-visual {
  background: linear-gradient(135deg, #1a1a2e, #2d2d50);
  border-radius: var(--radius-lg);
  padding: 48px 40px;
  color: white;
  text-align: center;
}

.benefits-visual .big-number {
  font-size: 80px;
  font-weight: 900;
  line-height: 1;
  margin-bottom: 8px;
}

.benefits-visual .big-label {
  font-size: 18px;
  opacity: 0.9;
  margin-bottom: 32px;
}

.visual-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.visual-stat {
  background: rgba(255,255,255,.15);
  border-radius: var(--radius-sm);
  padding: 16px;
  backdrop-filter: blur(8px);
}

.visual-stat .num {
  font-size: 24px;
  font-weight: 800;
  margin-bottom: 4px;
}

.visual-stat .lbl {
  font-size: 13px;
  opacity: 0.8;
}

/* ========================================
   ELIGIBILITY
   ======================================== */
.eligibility { background: var(--white); }

.eligibility-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.eligibility-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 28px;
  border: 1px solid var(--border);
  text-align: center;
  transition: transform var(--transition);
}

.eligibility-card:hover { transform: translateY(-4px); }

.eligibility-card .icon {
  font-size: 40px;
  margin-bottom: 16px;
}

.eligibility-card h3 {
  font-size: 17px;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 8px;
}

.eligibility-card p {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.6;
}

/* ========================================
   REVIEWS / TESTIMONIALS
   ======================================== */
.reviews-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.review-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  transition: box-shadow var(--transition);
}

.review-card:hover { box-shadow: var(--shadow); }

.review-stars {
  color: var(--accent);
  font-size: 15px;
  margin-bottom: 12px;
}

.review-text {
  font-size: 15px;
  color: var(--text);
  line-height: 1.7;
  margin-bottom: 20px;
  font-style: italic;
}

.review-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.review-avatar {
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, #1a1a2e, #2d2d50);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-weight: 700;
  font-size: 16px;
  flex-shrink: 0;
}

.review-name {
  font-weight: 700;
  font-size: 15px;
  color: var(--dark);
}

.review-meta {
  font-size: 13px;
  color: var(--text-muted);
}

/* ========================================
   FAQ
   ======================================== */
.faq { background: var(--white); }

.faq-list {
  max-width: 800px;
  margin: 0 auto;
}

.faq-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  margin-bottom: 12px;
  overflow: hidden;
}

.faq-question {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 24px;
  text-align: left;
  background: none;
  border: none;
  cursor: pointer;
  font-size: 16px;
  font-weight: 600;
  color: var(--dark);
  transition: background var(--transition);
  gap: 16px;
}

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

.faq-icon {
  width: 28px;
  height: 28px;
  background: var(--primary-light);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary);
  font-size: 18px;
  flex-shrink: 0;
  transition: transform var(--transition);
  font-weight: 700;
}

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

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height .3s ease, padding .3s ease;
}

.faq-item.open .faq-answer { max-height: 400px; }

.faq-answer-inner {
  padding: 0 24px 20px;
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.7;
  border-top: 1px solid var(--border);
  padding-top: 16px;
}

/* ========================================
   CTA BANNER
   ======================================== */
.cta-banner {
  background: linear-gradient(135deg, var(--dark) 0%, #2d2d50 100%);
  padding: 80px 0;
}

.cta-inner {
  text-align: center;
  max-width: 600px;
  margin: 0 auto;
}

.cta-inner h2 {
  font-size: 40px;
  font-weight: 800;
  color: white;
  margin-bottom: 16px;
  line-height: 1.2;
}

.cta-inner p {
  font-size: 18px;
  color: rgba(255,255,255,.7);
  margin-bottom: 36px;
}

.cta-buttons {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

/* ========================================
   TRUST BAR (removed from layout)
   ======================================== */
.trust-bar {
  display: none;
}

.trust-bar-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 32px;
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  color: var(--text-muted);
  font-weight: 500;
}

.trust-item .icon { font-size: 18px; }
.trust-item strong { color: var(--text); }

/* ========================================
   CONDUSEF DISCLAIMER
   ======================================== */
.condusef-bar {
  background: #eff6ff;
  border: 1px solid #bfdbfe;
  border-radius: var(--radius-sm);
  padding: 16px 20px;
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin: 32px 0;
}

.condusef-bar .icon {
  font-size: 24px;
  flex-shrink: 0;
  margin-top: 2px;
}

.condusef-bar p {
  font-size: 13px;
  color: var(--secondary);
  line-height: 1.6;
}

.condusef-bar a {
  color: var(--secondary);
  text-decoration: underline;
  font-weight: 600;
}

/* ========================================
   FOOTER
   ======================================== */
.footer {
  background: var(--dark);
  color: rgba(255,255,255,.7);
  padding: 60px 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}

.footer-brand .nav-logo {
  margin-bottom: 16px;
  color: white;
}

.footer-brand p {
  font-size: 14px;
  line-height: 1.7;
  margin-bottom: 20px;
}

.footer-social {
  display: flex;
  gap: 12px;
}

.social-btn {
  width: 36px;
  height: 36px;
  background: rgba(255,255,255,.1);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  transition: background var(--transition);
  cursor: pointer;
}

.social-btn:hover { background: var(--primary); }

.footer-col h4 {
  font-size: 15px;
  font-weight: 700;
  color: white;
  margin-bottom: 16px;
}

.footer-col ul li {
  margin-bottom: 10px;
}

.footer-col ul li a {
  font-size: 14px;
  color: rgba(255,255,255,.6);
  transition: color var(--transition);
}

.footer-col ul li a:hover { color: var(--accent); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1);
  padding: 24px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
}

.footer-bottom p { font-size: 13px; }

.footer-links {
  display: flex;
  gap: 20px;
}

.footer-links a {
  font-size: 13px;
  color: rgba(255,255,255,.5);
  transition: color var(--transition);
}

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

.footer-legal {
  padding: 24px 0;
  border-top: 1px solid rgba(255,255,255,.06);
}

.footer-legal p {
  font-size: 12px;
  color: rgba(255,255,255,.35);
  line-height: 1.7;
  text-align: center;
}

/* ========================================
   STICKY BOTTOM BAR
   ======================================== */
.sticky-bar {
  position: fixed;
  bottom: -100px;
  left: 0;
  right: 0;
  z-index: 999;
  background: var(--dark);
  border-top: 1px solid rgba(255,255,255,.1);
  padding: 12px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  transition: bottom .4s ease;
  backdrop-filter: blur(8px);
}

.sticky-bar.visible { bottom: 0; }

.sticky-info {
  display: flex;
  align-items: center;
  gap: 20px;
}

.sticky-info span {
  font-size: 14px;
  color: rgba(255,255,255,.7);
}

.sticky-info strong { color: white; font-size: 16px; }

/* ========================================
   MODAL
   ======================================== */
.modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,.6);
  z-index: 2000;
  align-items: center;
  justify-content: center;
  padding: 20px;
  backdrop-filter: blur(4px);
}

.modal-overlay.open { display: flex; }

.modal {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px;
  max-width: 540px;
  width: 100%;
  max-height: 90vh;
  overflow-y: auto;
  position: relative;
  animation: modalIn .3s ease;
  transition: max-width .3s ease;
}

.modal.modal-wide {
  max-width: 680px;
}

@keyframes modalIn {
  from { opacity: 0; transform: translateY(20px) scale(.96); }
  to { opacity: 1; transform: translateY(0) scale(1); }
}

.modal-close {
  position: absolute;
  top: 16px;
  right: 16px;
  width: 32px;
  height: 32px;
  background: var(--bg);
  border: none;
  border-radius: 50%;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  color: var(--text-muted);
  transition: all var(--transition);
}

.modal-close:hover {
  background: var(--border);
  color: var(--dark);
}

.modal h3 {
  font-size: 24px;
  font-weight: 800;
  color: var(--dark);
  margin-bottom: 8px;
}

.modal .subtitle {
  font-size: 15px;
  color: var(--text-muted);
  margin-bottom: 28px;
}

.form-group {
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  font-size: 14px;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 8px;
}

.form-group input, .form-group select {
  width: 100%;
  padding: 12px 16px;
  border: 2px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 15px;
  color: var(--text);
  transition: border-color var(--transition);
  outline: none;
  background: var(--white);
}

.form-group input:focus, .form-group select:focus {
  border-color: var(--secondary);
}

.form-checkbox {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 20px;
}

.form-checkbox input[type="checkbox"] {
  width: 18px;
  height: 18px;
  margin-top: 2px;
  cursor: pointer;
  accent-color: var(--accent);
}

.form-checkbox label {
  font-size: 13px;
  color: var(--text-muted);
  line-height: 1.5;
  cursor: pointer;
}

/* ========================================
   MODAL OFFERS (Results Step)
   ======================================== */
.modal-offers {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.modal-offer-card {
  display: block;
  border: 2px solid var(--border);
  border-radius: var(--radius);
  padding: 20px;
  transition: all .2s ease;
  position: relative;
  text-decoration: none;
  color: inherit;
  background: var(--white);
}

.modal-offer-card:hover {
  border-color: var(--primary);
  box-shadow: 0 4px 20px rgba(255,107,0,.1);
  transform: translateY(-2px);
}

.modal-offer-card.recommended {
  border-color: var(--primary);
  background: #fffaf5;
}

.mo-badge {
  position: absolute;
  top: -10px;
  left: 20px;
  background: var(--primary);
  color: #fff;
  font-size: 11px;
  font-weight: 800;
  padding: 3px 14px;
  border-radius: 100px;
}

.mo-top {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 14px;
}

.mo-logo {
  width: 100px;
  height: 56px;
  border-radius: 10px;
  background: var(--white);
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  overflow: hidden;
  padding: 6px;
}

.modal-offer-card.recommended .mo-logo {
  border-color: var(--primary);
}

.mo-logo img {
  max-width: 100%;
  max-height: 100%;
  object-fit: contain;
}

.mo-title {
  flex: 1;
  min-width: 0;
}

.mo-name {
  font-size: 17px;
  font-weight: 800;
  color: var(--dark);
  margin-bottom: 2px;
}

.mo-usp {
  display: inline-block;
  font-size: 12px;
  color: var(--teal);
  font-weight: 700;
  background: #e6f9f4;
  padding: 3px 10px;
  border-radius: 100px;
  margin-top: 4px;
}

.mo-btn-arrow {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--teal);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  font-weight: 700;
  flex-shrink: 0;
  transition: all .2s;
}

.modal-offer-card:hover .mo-btn-arrow {
  background: var(--teal-dark);
  transform: scale(1.1);
}

.mo-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 8px;
}

.mo-cell {
  background: var(--bg);
  border-radius: 8px;
  padding: 8px 10px;
  text-align: center;
}

.modal-offer-card.recommended .mo-cell {
  background: rgba(255,107,0,.06);
}

.mo-label {
  display: block;
  font-size: 10px;
  text-transform: uppercase;
  letter-spacing: .3px;
  color: var(--text-muted);
  font-weight: 700;
  margin-bottom: 3px;
}

.mo-val {
  display: block;
  font-size: 13px;
  font-weight: 800;
  color: var(--dark);
}

.mo-btn-primary {
  display: block;
  background: var(--primary);
  color: #fff;
  text-align: center;
  padding: 14px;
  border-radius: 100px;
  font-size: 15px;
  font-weight: 700;
  margin-top: 14px;
  transition: background .2s;
}

.modal-offer-card.recommended:hover .mo-btn-primary {
  background: var(--primary-dark);
}

.mo-btn-teal {
  display: block;
  background: var(--teal);
  color: #fff;
  text-align: center;
  padding: 14px;
  border-radius: 100px;
  font-size: 15px;
  font-weight: 700;
  margin-top: 14px;
  transition: background .2s;
}

.modal-offer-card:hover .mo-btn-teal {
  background: var(--teal-dark);
}

/* Modal loading center */
#modalLoadingStep {
  text-align: center;
  padding: 48px 0;
}
#modalLoadingStep .loading-spinner {
  margin: 0 auto;
}
#modalLoadingStep img {
  display: block;
  margin: 0 auto;
}

@media (max-width: 640px) {
  .modal { padding: 24px 16px; }
  .mo-grid { grid-template-columns: 1fr 1fr; }
  .mo-top { flex-wrap: wrap; }
  .mo-logo { width: 80px; height: 48px; }
  .mo-name { font-size: 15px; }
  .mo-usp { font-size: 12px; }
  .mo-btn-arrow { width: 36px; height: 36px; font-size: 16px; }
  .mo-val { font-size: 12px; }
  .mo-btn-primary { font-size: 14px; padding: 12px; }
}

/* ========================================
   LOADING OVERLAY
   ======================================== */
.loading-overlay {
  display: none;
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: rgba(255,255,255,.97);
  z-index: 3000;
  backdrop-filter: blur(8px);
}

.loading-overlay.open {
  display: flex;
  align-items: center;
  justify-content: center;
}

.loading-content {
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.loading-spinner {
  width: 64px;
  height: 64px;
  border: 4px solid var(--border);
  border-top-color: var(--primary);
  border-radius: 50%;
  animation: spin .8s linear infinite;
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
}

.loading-countdown {
  position: absolute;
  font-size: 18px;
  font-weight: 800;
  color: var(--primary);
}

@keyframes spin {
  to { transform: rotate(360deg); }
}

@keyframes pulse {
  0%, 100% { transform: scale(1); opacity: 1; }
  50% { transform: scale(1.08); opacity: .85; }
}

.form-group input.error,
.form-group select.error {
  border-color: #e53e3e;
  background: #fff5f5;
}

/* ========================================
   PAGE HEADER
   ======================================== */
.page-header {
  background: var(--white);
  padding: 48px 0;
  text-align: center;
  color: var(--dark);
  border-bottom: 1px solid var(--border);
}

.page-header h1 {
  font-size: 42px;
  font-weight: 800;
  margin-bottom: 12px;
}

.page-header p {
  font-size: 18px;
  color: var(--text-muted);
  max-width: 560px;
  margin: 0 auto;
}

/* ========================================
   COMPARISON TABLE (comparar.html)
   ======================================== */
.compare-controls {
  background: var(--bg);
  border-radius: var(--radius);
  padding: 24px;
  margin-bottom: 32px;
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  align-items: center;
}

.compare-controls .input-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.compare-controls label {
  font-size: 13px;
  font-weight: 600;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.compare-controls input[type="number"],
.compare-controls select {
  padding: 10px 14px;
  border: 2px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 15px;
  color: var(--text);
  background: var(--white);
  outline: none;
  min-width: 140px;
  transition: border-color var(--transition);
}

.compare-controls input:focus,
.compare-controls select:focus {
  border-color: var(--secondary);
}

.compare-controls .separator {
  flex: 1;
}

/* ========================================
   CALCULATOR PAGE
   ======================================== */
.calc-page {
  padding: 80px 0;
}

.calc-page-grid {
  display: grid;
  grid-template-columns: 1fr 360px;
  gap: 48px;
  align-items: start;
}

.calc-main-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 40px;
}

.calc-main-card h2 {
  font-size: 28px;
  font-weight: 800;
  color: var(--dark);
  margin-bottom: 8px;
}

.calc-main-card > p {
  color: var(--text-muted);
  margin-bottom: 36px;
}

.calc-tabs {
  display: flex;
  background: var(--bg);
  border-radius: var(--radius-sm);
  padding: 4px;
  margin-bottom: 32px;
}

.calc-tab {
  flex: 1;
  padding: 10px;
  border: none;
  background: none;
  border-radius: 6px;
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  color: var(--text-muted);
  transition: all var(--transition);
}

.calc-tab.active {
  background: var(--white);
  color: var(--primary);
  box-shadow: var(--shadow-sm);
}

.amortization-table {
  width: 100%;
  border-collapse: collapse;
  margin-top: 24px;
}

.amortization-table th {
  background: var(--bg);
  padding: 10px 16px;
  font-size: 13px;
  font-weight: 700;
  color: var(--text-muted);
  text-align: left;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.amortization-table td {
  padding: 12px 16px;
  font-size: 14px;
  color: var(--text);
  border-bottom: 1px solid var(--border);
}

.amortization-table tr:last-child td { border-bottom: none; }
.amortization-table tr:hover td { background: var(--bg); }

.sidebar-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  margin-bottom: 20px;
}

.sidebar-card h3 {
  font-size: 17px;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 16px;
}

.info-list li {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 0;
  font-size: 14px;
  color: var(--text);
  border-bottom: 1px solid var(--border);
}

.info-list li:last-child { border-bottom: none; }
.info-list li .bullet { color: var(--primary); font-size: 18px; line-height: 1; }

/* ========================================
   RESPONSIVE
   ======================================== */
@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; }
  .calc-card { max-width: 500px; margin: 0 auto; }

  .lender-card { grid-template-columns: 1fr; }
  .lender-details { grid-template-columns: repeat(2, 1fr); }

  .footer-grid { grid-template-columns: 1fr 1fr; }
  .calc-page-grid { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  .container { padding: 0 16px; }

  /* NAV */
  .nav-links { display: none; }
  .hamburger { display: flex; }
  .nav-inner { height: 56px; }
  .nav-logo { font-size: 18px; gap: 8px; }
  .nav-logo .logo-icon { width: 34px; height: 34px; }

  /* HERO */
  .hero { padding: 32px 0 40px; }
  .hero h1 { font-size: 28px; letter-spacing: -0.5px; }
  .hero p { font-size: 14px; margin-bottom: 24px; }
  .hero-badge { font-size: 11px; padding: 5px 12px; }
  .hero-features { gap: 6px; }
  .hero-feature { font-size: 13px; }
  .hero-feature .check { width: 18px; height: 18px; font-size: 10px; }
  .hero-inner { gap: 24px; }

  /* CALC CARD (hero) */
  .calc-card { padding: 20px; }
  .calc-card h3 { font-size: 16px; }
  .calc-group label { font-size: 13px; }
  .calc-group label .value { font-size: 16px; }

  /* STATS */
  .stats-inner { grid-template-columns: repeat(2, 1fr); gap: 0; }
  .stat-item { padding: 14px 10px; }
  .stat-item:nth-child(2) { border-right: none; }
  .stat-number { font-size: 20px; }
  .stat-label { font-size: 11px; }

  /* SECTIONS */
  .section { padding: 40px 0; }
  .section-header h2 { font-size: 22px; }
  .section-header p { font-size: 13px; }

  /* STEPS */
  .steps-grid { grid-template-columns: 1fr 1fr; gap: 12px; }
  .steps-grid::before { display: none; }
  .step-card { padding: 16px; }
  .step-card h3 { font-size: 15px; }
  .step-card p { font-size: 13px; }
  .step-number { width: 40px; height: 40px; font-size: 16px; }

  /* BENEFITS */
  .benefits-grid { grid-template-columns: 1fr; gap: 24px; }
  .benefit-item { gap: 12px; }
  .benefit-item h4 { font-size: 15px; }
  .benefit-item p { font-size: 13px; }
  .benefits-visual { padding: 28px 20px; }
  .benefits-visual .big-number { font-size: 48px; }
  .visual-stats { grid-template-columns: 1fr 1fr; gap: 12px; }

  /* ELIGIBILITY */
  .eligibility-grid { grid-template-columns: 1fr 1fr; gap: 12px; }
  .eligibility-card { padding: 16px; }
  .eligibility-card h3 { font-size: 14px; }
  .eligibility-card p { font-size: 12px; }
  .eligibility-card .icon { font-size: 24px; }

  /* LENDER CARDS - stack vertically on mobile */
  .lender-card {
    grid-template-columns: 1fr !important;
    padding: 16px;
    gap: 14px;
    text-align: center;
  }
  .lender-logo {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 6px;
  }
  .lender-logo img { max-height: 44px; }
  .lender-details {
    display: grid !important;
    grid-template-columns: 1fr 1fr !important;
    gap: 8px !important;
    width: 100%;
  }
  .detail-item {
    background: var(--bg);
    border-radius: 8px;
    padding: 8px 6px;
    text-align: center;
  }
  .detail-label { font-size: 10px; margin-bottom: 2px; }
  .detail-value { font-size: 15px; }
  .detail-sub { font-size: 9px; }
  .tag-list { justify-content: center; }
  .tag { font-size: 11px; padding: 3px 8px; }
  .lender-actions { width: 100%; }
  .lender-actions .btn { width: 100%; padding: 12px; font-size: 14px; }
  .recommend-badge { font-size: 10px; padding: 3px 10px; left: 50%; transform: translateX(-50%); }

  /* FILTERS */
  .filters { gap: 6px; overflow-x: auto; flex-wrap: nowrap; padding-bottom: 8px; }
  .filter-btn { padding: 8px 12px; font-size: 12px; white-space: nowrap; flex-shrink: 0; }

  /* REVIEWS */
  .reviews-grid { grid-template-columns: 1fr; }
  .review-card { padding: 16px; }
  .review-text { font-size: 14px; }

  /* FAQ */
  .faq-question { padding: 14px; font-size: 14px; }
  .faq-answer { padding: 0 14px 14px; font-size: 13px; }

  /* CTA */
  .cta-banner { padding: 40px 0; }
  .cta-inner h2 { font-size: 22px; }
  .cta-inner p { font-size: 14px; }
  .cta-buttons { flex-direction: column; gap: 10px; }
  .cta-buttons .btn { width: 100%; }

  /* FOOTER */
  .footer { padding: 40px 0 0; }
  .footer-grid { grid-template-columns: 1fr; gap: 20px; }
  .footer-brand p { font-size: 13px; }
  .footer-col h4 { font-size: 14px; margin-bottom: 10px; }
  .footer-col ul li { margin-bottom: 6px; }
  .footer-col ul li a { font-size: 13px; }
  .footer-bottom { flex-direction: column; text-align: center; gap: 10px; padding: 16px 0; }
  .footer-bottom p { font-size: 12px; }
  .footer-links { flex-wrap: wrap; justify-content: center; gap: 12px; }
  .footer-links a { font-size: 12px; }
  .footer-legal p { font-size: 11px; }

  /* STICKY BAR */
  .sticky-bar { padding: 8px 12px; }
  .sticky-info { display: none; }

  /* BUTTONS */
  .btn { padding: 12px 20px; font-size: 14px; }
  .btn-lg { padding: 13px 24px; font-size: 14px; }

  /* PAGE HEADER */
  .page-header { padding: 24px 0; }
  .page-header h1 { font-size: 24px; }
  .page-header p { font-size: 13px; }

  /* MODAL */
  .modal { padding: 24px 16px; max-width: 100%; margin: 8px; border-radius: 16px; }
  .modal h3 { font-size: 20px; }
  .modal .subtitle { font-size: 13px; margin-bottom: 20px; }
  .modal-close { top: 12px; right: 12px; width: 28px; height: 28px; font-size: 16px; }
  .modal.modal-wide { max-width: 100%; }

  /* MODAL OFFERS */
  .mo-top { gap: 10px; }
  .mo-logo { width: 80px; height: 48px; padding: 4px; }
  .mo-name { font-size: 15px; }
  .mo-usp { font-size: 11px; padding: 2px 8px; }
  .mo-grid { grid-template-columns: 1fr 1fr; gap: 6px; }
  .mo-cell { padding: 6px 8px; }
  .mo-label { font-size: 9px; }
  .mo-val { font-size: 12px; }
  .mo-btn-primary { font-size: 14px; padding: 12px; margin-top: 10px; }
  .mo-btn-arrow { width: 34px; height: 34px; font-size: 15px; }
  .mo-badge { font-size: 10px; padding: 2px 10px; top: -8px; left: 12px; }
  .modal-offer-card { padding: 14px; }
  .modal-offer-card.recommended { padding: 16px; }

  /* CONDUSEF BAR */
  .condusef-bar { flex-direction: column; padding: 12px; }
  .condusef-bar p { font-size: 12px; }

  /* COMPARE CONTROLS */
  .compare-controls { flex-direction: column; padding: 16px; }
  .compare-controls input[type="number"],
  .compare-controls select { min-width: 100%; }

  /* CALC PAGE */
  .calc-main-card { padding: 20px; }
  .calc-main-card h2 { font-size: 22px; }
  .calc-tabs { flex-direction: column; }

  /* AMORTIZATION TABLE */
  .amortization-table th { padding: 8px 10px; font-size: 11px; }
  .amortization-table td { padding: 8px 10px; font-size: 12px; }
}

@media (max-width: 480px) {
  .hero { padding: 24px 0 32px; }
  .hero h1 { font-size: 24px; }
  .hero p { font-size: 13px; }

  .steps-grid { grid-template-columns: 1fr; }
  .eligibility-grid { grid-template-columns: 1fr; }

  .lender-details { grid-template-columns: 1fr 1fr; }
  .detail-item { padding: 8px 6px; }
  .detail-value { font-size: 15px; }

  .section-header h2 { font-size: 20px; }
  .cta-inner h2 { font-size: 20px; }
  .page-header h1 { font-size: 22px; }

  .stats-inner { grid-template-columns: 1fr 1fr; }
  .stat-number { font-size: 18px; }
  .stat-icon { font-size: 18px; }

  .calc-card { padding: 16px; }
  .calc-summary { padding: 12px; }
  .calc-row { font-size: 13px; }

  .mo-grid { grid-template-columns: 1fr 1fr; }
  .modal-offer-card { padding: 12px; }
  .mo-logo { width: 64px; height: 40px; }
  .mo-name { font-size: 14px; }

  .review-author { flex-direction: column; align-items: flex-start; }

  .benefit-icon { width: 40px; height: 40px; }
  .visual-stats .num { font-size: 20px; }
}

/* ========================================
   GLOBAL MOBILE FIX - lfc cards (SEO pages)
   ======================================== */
@media (max-width: 768px) {
  .lender-filter-card { padding: 14px; }
  .lender-filter-card .lfc-header { grid-template-columns: 1fr; gap: 12px; }
  .lender-filter-card .lfc-header > div:last-child { min-width: 100%; }
  .lender-filter-card .lfc-header .btn { width: 100%; }
  .lender-filter-card .lfc-stats { grid-template-columns: 1fr 1fr; gap: 6px; }
  .lender-filter-card .lfc-stat .val { font-size: 14px; }
  .lender-filter-card .lfc-stat .lbl { font-size: 11px; }
  .lender-filter-card .lfc-logo-box { width: 100px; height: 56px; }
  .lender-filter-card .lfc-logo-box img { max-height: 40px; }
  .lender-filter-card .lfc-name { font-size: 16px; }
  .lender-filter-card .lfc-desc { font-size: 12px; }
  .lender-filter-card .lfc-footer { flex-direction: column; gap: 8px; }
  .lender-filter-card .lfc-actions { width: 100%; }
  .lender-filter-card .lfc-actions .btn { width: 100%; }

  /* SEO content sections */
  .seo-content-inner { padding: 0 4px; }
  .seo-content h2 { font-size: 22px; }
  .seo-content h3 { font-size: 17px; }
  .seo-content p { font-size: 14px; }
  .seo-content ul li { font-size: 13px; }

  /* Breadcrumb */
  .breadcrumb { font-size: 12px; }

  /* Sort bar in filter pages */
  .sort-bar { flex-direction: column; align-items: flex-start; gap: 6px; }
  .sort-btn { font-size: 12px; }

  /* Article layouts */
  .article-layout { grid-template-columns: 1fr !important; }
  .sticky-sidebar { position: static; }

  /* Info grids */
  .info-grid { grid-template-columns: 1fr !important; }

  /* Specs table */
  .specs-table td { padding: 8px 10px; font-size: 13px; }
}