/* ===== UA KREDIT — STYLES ===== */

/* ---------- Variables ---------- */
:root {
    --navy-900: #081F47;
    --navy-800: #0A2B63;
    --navy-700: #0A4595;
    --blue-600: #1057B8;
    --blue-500: #2570D4;
    --blue-100: #DCE8F9;
    --yellow: #FFD500;
    --yellow-dark: #F0C400;
    --green: #16A34A;
    --green-bg: #E9F9EF;
    --red: #E11D48;
    --bg: #F4F7FD;
    --white: #FFFFFF;
    --text: #12203A;
    --text-muted: #5C6C8A;
    --border: #E3EAF6;
    --radius: 18px;
    --radius-sm: 12px;
    --shadow: 0 6px 30px rgba(10, 43, 99, 0.08);
    --shadow-lg: 0 16px 50px rgba(10, 43, 99, 0.16);
    --font: 'Manrope', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}

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

html {
    scroll-behavior: smooth;
    -webkit-text-size-adjust: 100%;
}

body {
    font-family: var(--font);
    color: var(--text);
    background: var(--bg);
    line-height: 1.6;
    overflow-x: hidden;
}

img {
    max-width: 100%;
    display: block;
}

a {
    color: var(--blue-600);
    text-decoration: none;
}

button {
    font-family: inherit;
    cursor: pointer;
    border: none;
    background: none;
}

input {
    font-family: inherit;
}

.container {
    max-width: 1160px;
    margin: 0 auto;
    padding: 0 20px;
}

/* ---------- Icons ---------- */
.icon {
    width: 1em;
    height: 1em;
    display: inline-block;
    vertical-align: -0.14em;
    fill: none;
    stroke: currentColor;
    stroke-width: 2;
    stroke-linecap: round;
    stroke-linejoin: round;
    flex-shrink: 0;
}

.icon-green { color: var(--green); }
.icon-red { color: var(--red); }
.icon-gold { color: #D4A017; }
.icon-muted { color: var(--text-muted); }

.hero-feature-icon .icon {
    width: 19px;
    height: 19px;
    color: var(--yellow);
}

.stat-icon .icon,
.condition-icon .icon,
.step-icon .icon {
    width: 33px;
    height: 33px;
    color: var(--navy-700);
    stroke-width: 1.7;
}

.stat-icon,
.condition-icon,
.step-icon {
    line-height: 1;
}

.benefit-icon .icon {
    width: 22px;
    height: 22px;
    color: var(--navy-700);
}

.blog-card-icon .icon {
    width: 30px;
    height: 30px;
    color: var(--navy-700);
    stroke-width: 1.8;
}

.blog-card-icon {
    line-height: 1;
}

.offers-success-icon .icon {
    width: 46px;
    height: 46px;
    color: var(--green);
    stroke-width: 1.8;
}

.mfo-rank .icon {
    width: 22px;
    height: 22px;
    color: var(--navy-800);
}

.mfo-feature .icon {
    width: 12px;
    height: 12px;
    color: var(--green);
    stroke-width: 2.6;
}

.footer-badge .icon {
    color: var(--yellow);
    margin-right: 3px;
}

.prefix .icon {
    margin-right: 2px;
    vertical-align: -0.12em;
}

.callout .icon {
    width: 1.1em;
    height: 1.1em;
    vertical-align: -0.18em;
}

.offers-disclaimer .icon {
    vertical-align: -0.16em;
}

/* ---------- Buttons ---------- */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 14px 28px;
    border-radius: 999px;
    font-weight: 800;
    font-size: 16px;
    line-height: 1.2;
    transition: all 0.2s ease;
    white-space: nowrap;
}

.btn-cta {
    background: var(--yellow);
    color: var(--navy-900);
    box-shadow: 0 8px 24px rgba(255, 213, 0, 0.35);
}

.btn-cta:hover {
    background: var(--yellow-dark);
    transform: translateY(-2px);
    box-shadow: 0 12px 30px rgba(255, 213, 0, 0.45);
}

.btn-cta:active {
    transform: translateY(0);
}

.btn-primary {
    background: var(--navy-700);
    color: var(--white);
}

.btn-primary:hover {
    background: var(--blue-600);
    transform: translateY(-2px);
}

.btn-outline {
    background: transparent;
    color: var(--navy-700);
    border: 2px solid var(--navy-700);
}

.btn-outline:hover {
    background: var(--navy-700);
    color: var(--white);
}

/* ---------- Header ---------- */
.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 100;
    background: var(--navy-800);
    transition: box-shadow 0.25s ease, background 0.25s ease;
}

.header.scrolled {
    background: var(--navy-900);
    box-shadow: 0 4px 24px rgba(8, 31, 71, 0.35);
}

.header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 72px;
    gap: 24px;
}

.logo {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    flex-shrink: 0;
}

.logo-mark {
    border-radius: 10px;
}

.logo-text {
    font-size: 22px;
    font-weight: 800;
    letter-spacing: -0.5px;
}

.header .logo-ua, .mobile-nav .logo-ua {
    color: var(--yellow);
}

.header .logo-kredit {
    color: var(--white);
}

.nav {
    display: flex;
    gap: 26px;
}

.nav a {
    color: rgba(255, 255, 255, 0.82);
    font-weight: 600;
    font-size: 15px;
    transition: color 0.2s;
}

.nav a:hover, .nav a.active {
    color: var(--yellow);
}

.header-cta {
    padding: 11px 22px;
    font-size: 15px;
}

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

.hamburger span {
    width: 24px;
    height: 3px;
    background: var(--white);
    border-radius: 3px;
    transition: all 0.25s;
}

.hamburger.active span:nth-child(1) {
    transform: translateY(8px) rotate(45deg);
}

.hamburger.active span:nth-child(2) {
    opacity: 0;
}

.hamburger.active span:nth-child(3) {
    transform: translateY(-8px) rotate(-45deg);
}

.mobile-nav {
    position: fixed;
    top: 72px;
    left: 0;
    right: 0;
    bottom: 0;
    z-index: 99;
    background: var(--navy-900);
    display: flex;
    flex-direction: column;
    padding: 24px 20px;
    gap: 4px;
    transform: translateX(100%);
    transition: transform 0.3s ease;
    overflow-y: auto;
}

.mobile-nav.active {
    transform: translateX(0);
}

.mobile-nav a {
    color: var(--white);
    font-weight: 600;
    font-size: 17px;
    padding: 13px 10px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.mobile-cta {
    margin-top: 20px;
}

/* ---------- Hero ---------- */
.hero {
    background: linear-gradient(155deg, var(--navy-900) 0%, var(--navy-800) 45%, var(--navy-700) 100%);
    padding: 132px 0 70px;
    position: relative;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: -180px;
    right: -140px;
    width: 520px;
    height: 520px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(255, 213, 0, 0.14) 0%, transparent 65%);
    pointer-events: none;
}

.hero::after {
    content: '';
    position: absolute;
    bottom: -220px;
    left: -160px;
    width: 480px;
    height: 480px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(37, 112, 212, 0.25) 0%, transparent 65%);
    pointer-events: none;
}

.hero-inner {
    display: grid;
    grid-template-columns: 1.05fr 0.95fr;
    gap: 48px;
    align-items: center;
    position: relative;
    z-index: 1;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(255, 213, 0, 0.14);
    border: 1px solid rgba(255, 213, 0, 0.45);
    color: var(--yellow);
    padding: 8px 16px;
    border-radius: 999px;
    font-weight: 700;
    font-size: 14px;
    margin-bottom: 22px;
}

.hero h1 {
    color: var(--white);
    font-size: 46px;
    font-weight: 800;
    line-height: 1.15;
    letter-spacing: -1px;
    margin-bottom: 18px;
}

.hero h1 .highlight {
    color: var(--yellow);
}

.hero-subtitle {
    color: rgba(255, 255, 255, 0.78);
    font-size: 18px;
    margin-bottom: 30px;
    max-width: 480px;
}

.hero-features {
    display: flex;
    flex-direction: column;
    gap: 14px;
    margin-bottom: 34px;
}

.hero-feature {
    display: flex;
    align-items: center;
    gap: 12px;
    color: rgba(255, 255, 255, 0.92);
    font-weight: 600;
    font-size: 16px;
}

.hero-feature-icon {
    width: 40px;
    height: 40px;
    border-radius: 12px;
    background: rgba(255, 255, 255, 0.09);
    border: 1px solid rgba(255, 255, 255, 0.14);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 19px;
    flex-shrink: 0;
}

.hero-trust {
    display: flex;
    align-items: center;
    gap: 18px;
    flex-wrap: wrap;
}

.hero-trust-item {
    display: flex;
    flex-direction: column;
}

.hero-trust-value {
    color: var(--yellow);
    font-weight: 800;
    font-size: 20px;
}

.hero-trust-label {
    color: rgba(255, 255, 255, 0.6);
    font-size: 13px;
}

.hero-trust-divider {
    width: 1px;
    height: 34px;
    background: rgba(255, 255, 255, 0.16);
}

/* ---------- Calculator Card ---------- */
.calculator-card {
    background: var(--white);
    border-radius: 24px;
    box-shadow: var(--shadow-lg);
    overflow: hidden;
}

.calc-header {
    background: linear-gradient(120deg, var(--yellow) 0%, #FFE14D 100%);
    padding: 22px 28px 18px;
}

.calc-header h2 {
    font-size: 22px;
    font-weight: 800;
    color: var(--navy-900);
}

.calc-header p {
    color: rgba(8, 31, 71, 0.7);
    font-size: 14px;
    font-weight: 600;
}

.calc-body {
    padding: 26px 28px 28px;
}

.slider-group {
    margin-bottom: 24px;
}

.slider-label {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 12px;
    font-weight: 600;
    font-size: 15px;
    color: var(--text-muted);
}

.slider-value {
    background: var(--navy-800);
    color: var(--yellow);
    font-weight: 800;
    font-size: 17px;
    padding: 5px 16px;
    border-radius: 10px;
}

.slider {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 8px;
    border-radius: 999px;
    background: var(--border);
    outline: none;
}

.slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: var(--navy-800);
    border: 5px solid var(--yellow);
    cursor: grab;
    box-shadow: 0 3px 12px rgba(8, 31, 71, 0.35);
    transition: transform 0.15s;
}

.slider::-webkit-slider-thumb:hover {
    transform: scale(1.12);
}

.slider::-moz-range-thumb {
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: var(--navy-800);
    border: 5px solid var(--yellow);
    cursor: grab;
    box-shadow: 0 3px 12px rgba(8, 31, 71, 0.35);
}

.slider-range {
    display: flex;
    justify-content: space-between;
    margin-top: 8px;
    font-size: 13px;
    color: var(--text-muted);
    font-weight: 600;
}

.calc-summary {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 10px;
    background: var(--bg);
    border-radius: var(--radius-sm);
    padding: 16px;
    margin-bottom: 22px;
}

.summary-item {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: 2px;
}

.summary-label {
    font-size: 12.5px;
    color: var(--text-muted);
    font-weight: 600;
}

.summary-value {
    font-weight: 800;
    font-size: 16px;
    color: var(--navy-800);
}

.calc-cta {
    width: 100%;
    padding: 17px;
    font-size: 18px;
}

.calc-note {
    text-align: center;
    font-size: 12.5px;
    color: var(--text-muted);
    margin-top: 12px;
}

/* ---------- Sections ---------- */
.section {
    padding: 72px 0;
}

.section-title {
    font-size: 34px;
    font-weight: 800;
    letter-spacing: -0.8px;
    text-align: center;
    color: var(--navy-900);
    margin-bottom: 10px;
}

.section-subtitle {
    text-align: center;
    color: var(--text-muted);
    font-size: 17px;
    max-width: 620px;
    margin: 0 auto 44px;
}

/* ---------- Stats ---------- */
.stats {
    background: var(--white);
    padding: 46px 0;
    border-bottom: 1px solid var(--border);
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
}

.stat-card {
    text-align: center;
    padding: 10px;
}

.stat-icon {
    font-size: 30px;
    margin-bottom: 6px;
}

.stat-number {
    font-size: 34px;
    font-weight: 800;
    color: var(--navy-700);
    letter-spacing: -1px;
}

.stat-label {
    color: var(--text-muted);
    font-size: 14.5px;
    font-weight: 600;
}

/* ---------- MFO Ranking ---------- */
.mfo-section {
    background: var(--bg);
}

.mfo-grid {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.mfo-card {
    position: relative;
    display: grid;
    grid-template-columns: 48px minmax(0, 1fr) 188px;
    gap: 18px;
    align-items: center;
    background: var(--white);
    border: 1.5px solid var(--border);
    border-radius: 20px;
    box-shadow: 0 4px 18px rgba(10, 43, 99, 0.06);
    padding: 24px 24px;
    transition: transform 0.22s ease, box-shadow 0.22s ease, border-color 0.22s ease;
}

.mfo-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 18px 44px rgba(10, 43, 99, 0.15);
    border-color: #C9D6EC;
}

.mfo-card.top-pick {
    border-color: var(--yellow-dark);
    background: linear-gradient(180deg, #FFFDF3 0%, var(--white) 55%);
    box-shadow: 0 10px 34px rgba(255, 213, 0, 0.22);
}

.mfo-card.top-pick::before {
    content: 'ТОП ВИБІР';
    position: absolute;
    top: -11px;
    left: 26px;
    background: linear-gradient(90deg, #FFC800 0%, var(--yellow) 100%);
    color: var(--navy-900);
    font-size: 10.5px;
    font-weight: 800;
    letter-spacing: 0.6px;
    padding: 4px 12px;
    border-radius: 999px;
    box-shadow: 0 3px 10px rgba(255, 213, 0, 0.4);
}

.mfo-rank {
    width: 48px;
    height: 48px;
    border-radius: 15px;
    background: linear-gradient(160deg, #EEF3FC 0%, #E1EAF8 100%);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 17px;
    color: var(--navy-700);
}

.mfo-card.top-pick .mfo-rank {
    background: linear-gradient(160deg, #FFE14D 0%, var(--yellow) 100%);
    box-shadow: 0 4px 12px rgba(255, 213, 0, 0.45);
}

.mfo-head {
    display: flex;
    align-items: center;
    gap: 15px;
    margin-bottom: 14px;
}

.mfo-logo {
    width: 100px;
    height: 54px;
    border-radius: 13px;
    border: 1px solid var(--border);
    background: linear-gradient(180deg, #FFFFFF 0%, #F7FAFF 100%);
    display: flex;
    align-items: center;
    justify-content: center;
    overflow: hidden;
    flex-shrink: 0;
    font-weight: 800;
    font-size: 22px;
    color: var(--navy-700);
}

.mfo-logo img {
    max-width: 88px;
    max-height: 42px;
    object-fit: contain;
}

.mfo-name-row {
    display: flex;
    align-items: center;
    gap: 10px;
    flex-wrap: wrap;
}

.mfo-name {
    font-size: 20px;
    font-weight: 800;
    color: var(--navy-900);
    letter-spacing: -0.3px;
}

.mfo-badge {
    font-size: 12px;
    font-weight: 700;
    padding: 4px 11px;
    border-radius: 999px;
    white-space: nowrap;
}

.mfo-badge.green, .offer-badge.green {
    background: var(--green-bg);
    color: var(--green);
}

.mfo-badge.blue, .offer-badge.blue {
    background: var(--blue-100);
    color: var(--navy-700);
}

.mfo-badge.gold, .offer-badge.gold {
    background: #FFF6D6;
    color: #A16207;
}

.mfo-badge.purple, .offer-badge.purple {
    background: #F1E8FF;
    color: #7C3AED;
}

.mfo-badge.cyan, .offer-badge.cyan {
    background: #DDF6FA;
    color: #0E7490;
}

.mfo-rating {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 13.5px;
    color: var(--text-muted);
    font-weight: 600;
}

.stars {
    color: #F59E0B;
    letter-spacing: 1px;
}

.rating-num {
    font-weight: 800;
    color: var(--text);
}

.mfo-params {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 1px;
    background: var(--border);
    border: 1px solid var(--border);
    border-radius: 13px;
    overflow: hidden;
    margin-bottom: 13px;
}

.mfo-param {
    display: flex;
    flex-direction: column;
    gap: 3px;
    background: #FAFCFF;
    padding: 11px 12px;
    min-width: 0;
}

.mfo-card.top-pick .mfo-param {
    background: #FFFEF8;
}

.mfo-param-label {
    font-size: 11.5px;
    color: var(--text-muted);
    font-weight: 600;
    white-space: nowrap;
}

.mfo-param-value {
    font-weight: 800;
    font-size: 15px;
    color: var(--navy-900);
    letter-spacing: -0.3px;
    white-space: nowrap;
}

.accent-green {
    color: var(--green) !important;
}

.mfo-features {
    display: flex;
    flex-wrap: wrap;
    gap: 7px;
    margin-bottom: 11px;
}

.mfo-feature {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    font-size: 12.5px;
    color: var(--navy-800);
    font-weight: 600;
    background: var(--green-bg);
    padding: 4px 10px 4px 8px;
    border-radius: 999px;
}

.mfo-feature .icon {
    color: var(--green);
}

.mfo-rrps {
    font-size: 11.5px;
    color: #93A1BC;
    font-weight: 600;
}

.mfo-action {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 9px;
    padding-left: 6px;
    border-left: 1.5px dashed var(--border);
}

.mfo-cta {
    width: 100%;
    padding: 15px 10px;
    font-size: 16px;
    border-radius: 13px;
}

.mfo-cta-sub {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    font-size: 12.5px;
    color: var(--text-muted);
    font-weight: 600;
}

.mfo-review-link {
    font-size: 13px;
    font-weight: 700;
    color: var(--blue-600);
    text-align: center;
}

.mfo-review-link:hover {
    text-decoration: underline;
}

/* ---------- How It Works ---------- */
.how-it-works {
    background: var(--white);
}

.steps-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 22px;
}

.step-card {
    position: relative;
    background: var(--bg);
    border-radius: var(--radius);
    padding: 34px 24px 26px;
    text-align: center;
    transition: transform 0.2s;
}

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

.step-number {
    position: absolute;
    top: -16px;
    left: 50%;
    transform: translateX(-50%);
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: var(--yellow);
    color: var(--navy-900);
    font-weight: 800;
    font-size: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 4px 12px rgba(255, 213, 0, 0.5);
}

.step-icon {
    font-size: 38px;
    margin-bottom: 12px;
}

.step-card h3 {
    font-size: 18px;
    font-weight: 800;
    color: var(--navy-900);
    margin-bottom: 8px;
}

.step-card p {
    font-size: 14.5px;
    color: var(--text-muted);
}

/* ---------- Benefits ---------- */
.benefits {
    background: var(--bg);
}

.benefits-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr;
    gap: 36px;
    align-items: start;
}

.benefits-list {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 18px;
}

.benefit-item {
    display: flex;
    gap: 14px;
    background: var(--white);
    border-radius: var(--radius);
    padding: 20px;
    box-shadow: var(--shadow);
}

.benefit-icon {
    width: 46px;
    height: 46px;
    border-radius: 13px;
    background: var(--blue-100);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 22px;
    flex-shrink: 0;
}

.benefit-item h3 {
    font-size: 16px;
    font-weight: 800;
    color: var(--navy-900);
    margin-bottom: 4px;
}

.benefit-item p {
    font-size: 13.5px;
    color: var(--text-muted);
}

.highlight-card {
    background: linear-gradient(160deg, var(--navy-800) 0%, var(--navy-700) 100%);
    border-radius: 22px;
    padding: 38px 30px;
    text-align: center;
    color: var(--white);
    position: sticky;
    top: 96px;
}

.highlight-number {
    font-size: 58px;
    font-weight: 800;
    color: var(--yellow);
    letter-spacing: -2px;
    line-height: 1.1;
}

.highlight-text {
    font-size: 19px;
    font-weight: 700;
    margin-bottom: 12px;
}

.highlight-stars {
    color: var(--yellow);
    font-size: 21px;
    letter-spacing: 3px;
    margin-bottom: 12px;
}

.highlight-card p {
    color: rgba(255, 255, 255, 0.75);
    font-size: 14.5px;
}

/* ---------- Conditions ---------- */
.conditions {
    background: var(--white);
}

.conditions-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 22px;
}

.condition-card {
    background: var(--bg);
    border-radius: var(--radius);
    border-top: 4px solid var(--yellow);
    padding: 28px 24px;
    text-align: center;
    transition: transform 0.2s;
}

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

.condition-icon {
    font-size: 38px;
    margin-bottom: 12px;
}

.condition-card h3 {
    font-size: 18px;
    font-weight: 800;
    color: var(--navy-900);
    margin-bottom: 8px;
}

.condition-card p {
    font-size: 14.5px;
    color: var(--text-muted);
}

/* ---------- Reviews ---------- */
.reviews {
    background: var(--bg);
}

.reviews-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 22px;
}

.review-card {
    background: var(--white);
    border-radius: var(--radius);
    padding: 26px;
    box-shadow: var(--shadow);
    display: flex;
    flex-direction: column;
}

.review-stars {
    color: #F59E0B;
    font-size: 17px;
    letter-spacing: 2px;
    margin-bottom: 12px;
}

.review-text {
    font-size: 14.5px;
    color: var(--text);
    flex: 1;
    margin-bottom: 18px;
}

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

.review-avatar {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: var(--navy-700);
    color: var(--yellow);
    font-weight: 800;
    font-size: 18px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.review-author strong {
    display: block;
    font-size: 15px;
    color: var(--navy-900);
}

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

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

.faq-list {
    max-width: 780px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.faq-item {
    background: var(--bg);
    border-radius: var(--radius-sm);
    overflow: hidden;
    border: 1px solid transparent;
    transition: border-color 0.2s;
}

.faq-item.active {
    border-color: var(--yellow);
    background: #FFFDF2;
}

.faq-question {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 16px;
    text-align: left;
    padding: 18px 22px;
    font-size: 16.5px;
    font-weight: 700;
    color: var(--navy-900);
}

.faq-toggle {
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: var(--white);
    color: var(--navy-700);
    font-size: 19px;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    transition: transform 0.25s, background 0.25s;
    box-shadow: 0 2px 8px rgba(10, 43, 99, 0.1);
}

.faq-item.active .faq-toggle {
    transform: rotate(45deg);
    background: var(--yellow);
    color: var(--navy-900);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease;
}

.faq-answer p {
    padding: 0 22px 20px;
    font-size: 15px;
    color: var(--text-muted);
}

/* ---------- CTA Section ---------- */
.cta-section {
    background: linear-gradient(140deg, var(--navy-900) 0%, var(--navy-700) 100%);
    padding: 76px 0;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.cta-section::before {
    content: '';
    position: absolute;
    top: -140px;
    left: 50%;
    transform: translateX(-50%);
    width: 640px;
    height: 640px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(255, 213, 0, 0.12) 0%, transparent 60%);
    pointer-events: none;
}

.cta-section h2 {
    color: var(--white);
    font-size: 32px;
    font-weight: 800;
    letter-spacing: -0.8px;
    margin-bottom: 12px;
    position: relative;
}

.cta-section p {
    color: rgba(255, 255, 255, 0.75);
    font-size: 17px;
    margin-bottom: 30px;
    position: relative;
}

.cta-section .btn {
    padding: 17px 44px;
    font-size: 18px;
    position: relative;
}

/* ---------- Footer ---------- */
.footer {
    background: var(--navy-900);
    color: rgba(255, 255, 255, 0.75);
    padding-top: 56px;
}

.footer .logo-kredit {
    color: var(--white);
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.6fr 1fr 1fr 1fr;
    gap: 36px;
    padding-bottom: 42px;
}

.footer-brand p {
    font-size: 14px;
    margin: 16px 0;
    max-width: 320px;
}

.footer-badges {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
}

.footer-badge {
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.12);
    padding: 5px 12px;
    border-radius: 999px;
    font-size: 12.5px;
    font-weight: 600;
}

.footer-links {
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.footer-links h4 {
    color: var(--white);
    font-size: 15px;
    font-weight: 800;
    margin-bottom: 6px;
}

.footer-links a {
    color: rgba(255, 255, 255, 0.65);
    font-size: 14px;
    transition: color 0.2s;
}

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

.footer-note {
    font-size: 13.5px;
    color: rgba(255, 255, 255, 0.55);
}

.footer-legal {
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    padding: 26px 0 30px;
}

.footer-disclaimer {
    font-size: 12px;
    color: rgba(255, 255, 255, 0.45);
    line-height: 1.65;
    margin-bottom: 14px;
}

.footer-copyright {
    font-size: 13px;
    color: rgba(255, 255, 255, 0.55);
}

/* ---------- Modals ---------- */
.modal-overlay {
    position: fixed;
    inset: 0;
    z-index: 200;
    background: rgba(8, 31, 71, 0.72);
    backdrop-filter: blur(4px);
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 20px;
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.25s ease, visibility 0.25s;
}

.modal-overlay.active {
    opacity: 1;
    visibility: visible;
}

.modal {
    position: relative;
    background: var(--white);
    border-radius: 22px;
    max-width: 470px;
    width: 100%;
    max-height: calc(100vh - 40px);
    overflow-y: auto;
    padding: 30px 28px 24px;
    transform: translateY(24px) scale(0.97);
    transition: transform 0.28s ease;
    /* Hide scrollbar, keep scrolling */
    scrollbar-width: none;
    -ms-overflow-style: none;
}

.modal::-webkit-scrollbar {
    display: none;
}

.modal-overlay.active .modal {
    transform: translateY(0) scale(1);
}

.modal-close {
    position: absolute;
    top: 14px;
    right: 14px;
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: var(--bg);
    color: var(--text-muted);
    font-size: 22px;
    line-height: 1;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: background 0.2s, color 0.2s;
    z-index: 2;
}

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

.modal-header {
    text-align: center;
    margin-bottom: 20px;
}

.modal-header h2 {
    font-size: 23px;
    font-weight: 800;
    color: var(--navy-900);
    letter-spacing: -0.5px;
    margin-bottom: 6px;
}

.modal-header p {
    font-size: 14.5px;
    color: var(--text-muted);
}

.modal-calc-summary {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 22px;
    background: var(--navy-800);
    border-radius: var(--radius-sm);
    padding: 14px 18px;
    margin-bottom: 22px;
}

.modal-summary-item {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 1px;
}

.modal-summary-item span {
    font-size: 12.5px;
    color: rgba(255, 255, 255, 0.65);
    font-weight: 600;
}

.modal-summary-item strong {
    font-size: 19px;
    font-weight: 800;
    color: var(--yellow);
}

.modal-summary-divider {
    width: 1px;
    height: 36px;
    background: rgba(255, 255, 255, 0.18);
}

/* ---------- Form ---------- */
.form-group {
    margin-bottom: 16px;
}

.form-group label {
    display: block;
    font-size: 14px;
    font-weight: 700;
    color: var(--navy-900);
    margin-bottom: 6px;
}

.required {
    color: var(--red);
}

.form-group input[type="text"],
.form-group input[type="tel"],
.form-group input[type="email"] {
    width: 100%;
    padding: 13px 16px;
    border: 2px solid var(--border);
    border-radius: var(--radius-sm);
    font-size: 16px;
    font-weight: 600;
    color: var(--text);
    outline: none;
    transition: border-color 0.2s;
    background: var(--white);
}

.form-group input:focus {
    border-color: var(--navy-700);
}

.form-group input.error {
    border-color: var(--red);
}

.input-prefix {
    display: flex;
    align-items: stretch;
    border: 2px solid var(--border);
    border-radius: var(--radius-sm);
    overflow: hidden;
    transition: border-color 0.2s;
    background: var(--white);
}

.input-prefix:focus-within {
    border-color: var(--navy-700);
}

.input-prefix.has-error {
    border-color: var(--red);
}

.input-prefix .prefix {
    display: flex;
    align-items: center;
    padding: 0 12px 0 14px;
    background: var(--bg);
    font-weight: 700;
    font-size: 15px;
    color: var(--navy-900);
    border-right: 1px solid var(--border);
    white-space: nowrap;
}

.input-prefix input {
    flex: 1;
    border: none !important;
    border-radius: 0 !important;
    padding: 13px 14px;
    font-size: 16px;
    font-weight: 600;
    outline: none;
    min-width: 0;
}

.form-required-note {
    font-size: 12.5px;
    color: var(--text-muted);
    margin-bottom: 14px;
    text-align: center;
}

.form-hint {
    display: block;
    font-size: 12px;
    color: var(--text-muted);
    margin-top: 5px;
}

.form-error {
    display: none;
    font-size: 12.5px;
    color: var(--red);
    margin-top: 5px;
    font-weight: 600;
}

/* Hide the neutral hint when the field shows an error */
.form-group .input-prefix.has-error ~ .form-hint {
    display: none;
}

.form-group input.error ~ .form-error,
.form-group .input-prefix.has-error ~ .form-error {
    display: block;
}

.form-checkbox {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    margin-bottom: 12px;
    padding: 2px;
    border-radius: 8px;
    transition: background 0.2s;
}

.form-checkbox.checkbox-error {
    background: #FEE9EE;
    outline: 2px solid var(--red);
}

.form-checkbox input {
    margin-top: 3px;
    width: 17px;
    height: 17px;
    accent-color: var(--navy-700);
    flex-shrink: 0;
    cursor: pointer;
}

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

.form-checkbox label a {
    color: var(--blue-600);
    text-decoration: underline;
}

.form-submit {
    width: 100%;
    padding: 16px;
    font-size: 17px;
    margin-top: 6px;
}

.form-badge {
    text-align: center;
    font-size: 12.5px;
    color: var(--text-muted);
    font-weight: 600;
    margin-top: 14px;
}

/* ---------- Loading Modal ---------- */
.loading-modal {
    max-width: 430px;
    text-align: center;
    padding: 40px 32px;
}

.loading-content h2 {
    font-size: 21px;
    font-weight: 800;
    color: var(--navy-900);
    margin-bottom: 6px;
}

.loading-content > p, .loading-content p {
    font-size: 14.5px;
    color: var(--text-muted);
}

.loading-spinner {
    position: relative;
    width: 86px;
    height: 86px;
    margin: 0 auto 22px;
    border-radius: 50%;
    border: 5px solid var(--border);
    border-top-color: var(--yellow);
    border-right-color: var(--yellow);
    animation: spin 1s linear infinite;
    display: flex;
    align-items: center;
    justify-content: center;
}

.loading-countdown {
    font-size: 28px;
    font-weight: 800;
    color: var(--navy-800);
    animation: spin-reverse 1s linear infinite;
}

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

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

.loading-progress {
    height: 8px;
    background: var(--border);
    border-radius: 999px;
    overflow: hidden;
    margin: 22px 0;
}

.loading-bar {
    height: 100%;
    width: 0%;
    background: linear-gradient(90deg, var(--yellow) 0%, #FFE14D 100%);
    border-radius: 999px;
    transition: width 0.8s ease;
}

.loading-steps {
    display: flex;
    flex-direction: column;
    gap: 10px;
    text-align: left;
}

.loading-step {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 14.5px;
    font-weight: 600;
    color: #A5B1C9;
    transition: color 0.3s;
}

.loading-step .loading-check {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--border);
    color: transparent;
    font-size: 13px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    transition: all 0.3s;
}

.loading-step.active {
    color: var(--navy-800);
}

.loading-step.active .loading-check {
    background: var(--yellow);
    color: var(--navy-900);
}

.loading-step.done {
    color: var(--green);
}

.loading-step.done .loading-check {
    background: var(--green);
    color: var(--white);
}

/* ---------- Offers Modal ---------- */
.offers-modal {
    max-width: 560px;
}

.offers-header {
    margin-bottom: 18px;
}

.offers-success-icon {
    font-size: 42px;
    margin-bottom: 6px;
    animation: pop 0.5s ease;
}

@keyframes pop {
    0% { transform: scale(0.3); opacity: 0; }
    70% { transform: scale(1.15); }
    100% { transform: scale(1); opacity: 1; }
}

.offers-list {
    display: flex;
    flex-direction: column;
    gap: 18px;
    margin-bottom: 18px;
}

.offer-card {
    position: relative;
    background: var(--white);
    border: 1.5px solid var(--border);
    border-radius: 20px;
    box-shadow: 0 4px 16px rgba(10, 43, 99, 0.06);
    overflow: hidden;
    transition: transform 0.22s ease, border-color 0.22s ease, box-shadow 0.22s ease;
}

.offer-card:hover {
    transform: translateY(-3px);
    border-color: var(--blue-500);
    box-shadow: 0 14px 34px rgba(10, 43, 99, 0.14);
}

.offer-card.recommended {
    border-color: var(--yellow-dark);
    box-shadow: 0 12px 34px rgba(255, 213, 0, 0.28);
}

.offer-rec-label {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
    background: linear-gradient(90deg, #FFC800 0%, var(--yellow) 45%, #FFE455 100%);
    color: var(--navy-900);
    font-size: 12.5px;
    font-weight: 800;
    letter-spacing: 0.2px;
    text-transform: uppercase;
    text-align: center;
    padding: 8px;
}

.offer-rec-label .icon {
    color: #C2410C;
}

.offer-card-inner {
    padding: 18px;
}

.offer-top {
    display: flex;
    align-items: center;
    gap: 13px;
    margin-bottom: 15px;
}

.offer-logo {
    width: 88px;
    height: 50px;
    border-radius: 12px;
    border: 1px solid var(--border);
    display: flex;
    align-items: center;
    justify-content: center;
    overflow: hidden;
    flex-shrink: 0;
    font-weight: 800;
    font-size: 20px;
    color: var(--navy-700);
    background: linear-gradient(180deg, #FFFFFF 0%, #F7FAFF 100%);
}

.offer-logo img {
    max-width: 78px;
    max-height: 38px;
    object-fit: contain;
}

.offer-info {
    flex: 1;
    min-width: 0;
}

.offer-name {
    font-size: 18px;
    font-weight: 800;
    color: var(--navy-900);
    letter-spacing: -0.2px;
}

.offer-rating {
    display: flex;
    align-items: center;
    gap: 5px;
    font-size: 13px;
    font-weight: 700;
    color: var(--text-muted);
    margin-top: 2px;
}

.offer-rating .stars {
    font-size: 13px;
}

.offer-badge {
    font-size: 11.5px;
    font-weight: 700;
    padding: 5px 11px;
    border-radius: 999px;
    white-space: nowrap;
    align-self: flex-start;
}

.offer-stats {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1px;
    background: var(--border);
    border: 1px solid var(--border);
    border-radius: 14px;
    overflow: hidden;
    margin-bottom: 15px;
}

.offer-stat {
    display: flex;
    flex-direction: column;
    gap: 3px;
    background: #FAFCFF;
    padding: 12px 14px;
}

.offer-stat-label {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 11.5px;
    color: var(--text-muted);
    font-weight: 600;
}

.offer-stat-label .icon {
    color: var(--navy-700);
    width: 14px;
    height: 14px;
}

.offer-stat-value {
    font-size: 16px;
    font-weight: 800;
    color: var(--navy-900);
    letter-spacing: -0.2px;
}

.offer-cta {
    width: 100%;
    padding: 15px;
    font-size: 16px;
    border-radius: 14px;
}

.offers-more {
    text-align: center;
    margin-bottom: 16px;
}

.offers-more-btn {
    padding: 12px 26px;
    font-size: 14.5px;
}

.offers-disclaimer p {
    font-size: 11.5px;
    color: #93A1BC;
    text-align: center;
    line-height: 1.55;
}

/* ---------- Sticky Bar ---------- */
.sticky-bar {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 90;
    background: var(--navy-900);
    box-shadow: 0 -6px 24px rgba(8, 31, 71, 0.3);
    padding: 12px 0;
    transform: translateY(110%);
    transition: transform 0.3s ease;
}

.sticky-bar.visible {
    transform: translateY(0);
}

.sticky-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
}

.sticky-info {
    display: flex;
    align-items: baseline;
    gap: 10px;
}

.sticky-amount {
    color: var(--yellow);
    font-size: 21px;
    font-weight: 800;
}

.sticky-term {
    color: rgba(255, 255, 255, 0.7);
    font-size: 14px;
    font-weight: 600;
}

.sticky-cta {
    padding: 12px 26px;
    font-size: 15px;
}

/* ---------- Breadcrumbs ---------- */
.breadcrumbs {
    background: var(--bg);
    border-bottom: 1px solid var(--border);
    padding: 12px 0;
}

.breadcrumb-list {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 8px;
    list-style: none;
    font-size: 13.5px;
}

.breadcrumb-item a {
    color: var(--blue-600);
    font-weight: 600;
}

.breadcrumb-item a:hover {
    text-decoration: underline;
}

.breadcrumb-item.active {
    color: var(--text-muted);
    font-weight: 600;
}

.breadcrumb-sep {
    color: #B4C0D6;
    list-style: none;
}

/* ---------- SEO content pages ---------- */
.seo-hero {
    background: linear-gradient(155deg, var(--navy-900) 0%, var(--navy-700) 100%);
    padding: 104px 0 44px;
}

.breadcrumbs + main .seo-hero,
#breadcrumbs + main .seo-hero {
    padding-top: 44px;
}

.seo-hero h1 {
    color: var(--white);
    font-size: 36px;
    font-weight: 800;
    letter-spacing: -0.8px;
    max-width: 820px;
    margin-bottom: 12px;
}

.seo-hero-subtitle {
    color: rgba(255, 255, 255, 0.75);
    font-size: 17px;
    max-width: 720px;
}

.seo-hero .btn {
    margin-top: 22px;
}

.content-block {
    max-width: 860px;
    margin: 0 auto 44px;
}

.content-block h2 {
    font-size: 26px;
    font-weight: 800;
    color: var(--navy-900);
    letter-spacing: -0.5px;
    margin-bottom: 14px;
}

.content-block h3 {
    font-size: 19px;
    font-weight: 800;
    color: var(--navy-900);
    margin: 20px 0 8px;
}

.content-block p {
    font-size: 15.5px;
    color: var(--text);
    margin-bottom: 12px;
    line-height: 1.7;
}

.content-list {
    padding-left: 22px;
    margin-bottom: 14px;
}

.content-list li {
    font-size: 15.5px;
    color: var(--text);
    margin-bottom: 9px;
    line-height: 1.65;
}

.content-block .mfo-grid {
    margin-top: 8px;
}

/* Comparison table */
.content-table-wrap {
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    margin: 8px 0 14px;
    border-radius: var(--radius-sm);
    border: 1px solid var(--border);
    /* Subtle right-edge fade hints there is more to scroll on wide tables.
       background-attachment:local pins the fade to content, so it disappears
       once scrolled to the end. */
    background:
        linear-gradient(to right, var(--white) 30%, rgba(255,255,255,0)) left center,
        linear-gradient(to left, var(--white) 30%, rgba(255,255,255,0)) right center,
        radial-gradient(farthest-side at 0 50%, rgba(10,43,99,0.12), rgba(0,0,0,0)) left center,
        radial-gradient(farthest-side at 100% 50%, rgba(10,43,99,0.12), rgba(0,0,0,0)) right center;
    background-repeat: no-repeat;
    background-size: 34px 100%, 34px 100%, 16px 100%, 16px 100%;
    background-attachment: local, local, scroll, scroll;
}

.content-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 14.5px;
    background: var(--white);
}

.content-table th {
    background: var(--navy-800);
    color: var(--white);
    font-weight: 700;
    text-align: left;
    padding: 12px 14px;
}

.content-table td {
    padding: 11px 14px;
    border-top: 1px solid var(--border);
    color: var(--text);
    vertical-align: top;
}

.content-table tr:nth-child(even) td {
    background: var(--bg);
}

/* Info/warning callouts */
.callout {
    border-radius: var(--radius-sm);
    padding: 16px 18px;
    margin: 14px 0;
    font-size: 14.5px;
    line-height: 1.65;
}

.callout strong {
    display: block;
    margin-bottom: 4px;
}

.callout-info {
    background: var(--blue-100);
    border-left: 4px solid var(--navy-700);
    color: var(--navy-900);
}

.callout-warning {
    background: #FFF6D6;
    border-left: 4px solid var(--yellow-dark);
    color: #713F12;
}

/* Content CTA */
.content-cta {
    max-width: 860px;
    margin: 0 auto;
    background: linear-gradient(140deg, var(--navy-900) 0%, var(--navy-700) 100%);
    border-radius: 22px;
    padding: 44px 32px;
    text-align: center;
}

.content-cta h2 {
    color: var(--white);
    font-size: 26px;
    font-weight: 800;
    letter-spacing: -0.5px;
    margin-bottom: 10px;
}

.content-cta p {
    color: rgba(255, 255, 255, 0.75);
    font-size: 15.5px;
    margin-bottom: 24px;
}

/* ---------- Blog ---------- */
.blog-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 22px;
}

.blog-card {
    background: var(--white);
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    padding: 26px 24px;
    display: flex;
    flex-direction: column;
    transition: transform 0.2s, box-shadow 0.2s;
}

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

.blog-card-icon {
    font-size: 34px;
    margin-bottom: 12px;
}

.blog-card h3 {
    font-size: 18px;
    font-weight: 800;
    color: var(--navy-900);
    letter-spacing: -0.3px;
    margin-bottom: 8px;
}

.blog-card h3 a {
    color: inherit;
}

.blog-card h3 a:hover {
    color: var(--blue-600);
}

.blog-card p {
    font-size: 14px;
    color: var(--text-muted);
    flex: 1;
    margin-bottom: 14px;
}

.blog-card-meta {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 12.5px;
    color: #93A1BC;
    font-weight: 600;
}

.blog-read-link {
    font-weight: 800;
    font-size: 14px;
    color: var(--blue-600);
    margin-top: 10px;
}

/* Article */
.article-meta {
    display: flex;
    align-items: center;
    gap: 14px;
    font-size: 13.5px;
    color: rgba(255, 255, 255, 0.65);
    margin-top: 14px;
    flex-wrap: wrap;
}

.article-body {
    max-width: 780px;
    margin: 0 auto;
}

.article-body h2 {
    font-size: 24px;
    font-weight: 800;
    color: var(--navy-900);
    letter-spacing: -0.5px;
    margin: 32px 0 12px;
}

.article-body h3 {
    font-size: 18.5px;
    font-weight: 800;
    color: var(--navy-900);
    margin: 22px 0 8px;
}

.article-body p {
    font-size: 15.5px;
    color: var(--text);
    line-height: 1.75;
    margin-bottom: 14px;
}

.article-body ul, .article-body ol {
    padding-left: 22px;
    margin-bottom: 16px;
}

.article-body li {
    font-size: 15.5px;
    line-height: 1.7;
    margin-bottom: 8px;
}

/* ---------- Glossary (slovnyk) ---------- */
.glossary-list {
    max-width: 820px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 14px;
}

.glossary-item {
    background: var(--white);
    border-radius: var(--radius-sm);
    box-shadow: var(--shadow);
    padding: 20px 24px;
    border-left: 4px solid var(--yellow);
}

.glossary-item h3 {
    font-size: 17.5px;
    font-weight: 800;
    color: var(--navy-900);
    margin-bottom: 6px;
}

.glossary-item p {
    font-size: 14.5px;
    color: var(--text-muted);
    line-height: 1.65;
}

/* ---------- Footer legal links ---------- */
.footer-legal-links {
    display: flex;
    flex-wrap: wrap;
    gap: 10px 24px;
    margin-bottom: 16px;
}

.footer-legal-links a {
    color: rgba(255, 255, 255, 0.65);
    font-size: 13.5px;
    font-weight: 600;
}

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

.footer-contact {
    display: flex;
    flex-direction: column;
    gap: 4px;
    margin-top: 14px;
}

.footer-contact a {
    color: var(--yellow);
    font-size: 14px;
    font-weight: 700;
}

/* ---------- Lender Review pages ---------- */
.review-hero {
    background: linear-gradient(155deg, var(--navy-900) 0%, var(--navy-700) 100%);
    padding: 100px 0 34px;
}

.review-hero-inner {
    display: flex;
    align-items: center;
    gap: 20px;
    margin-bottom: 22px;
}

.review-hero-logo {
    width: 96px;
    height: 64px;
    border-radius: 14px;
    background: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    overflow: hidden;
    font-weight: 800;
    font-size: 28px;
    color: var(--navy-700);
}

.review-hero-logo img {
    max-width: 82px;
    max-height: 48px;
    object-fit: contain;
}

.review-hero-main h1 {
    color: var(--white);
    font-size: 29px;
    font-weight: 800;
    letter-spacing: -0.6px;
    line-height: 1.2;
    margin-bottom: 8px;
}

.review-hero-tagline {
    color: rgba(255, 255, 255, 0.78);
    font-size: 16px;
    margin-bottom: 12px;
}

.review-hero-meta {
    display: flex;
    flex-wrap: wrap;
    gap: 10px 18px;
    align-items: center;
}

.review-rating-badge {
    color: var(--white);
    font-size: 15px;
    font-weight: 600;
}

.review-rating-badge .stars {
    color: var(--yellow);
    font-size: 16px;
}

.review-rating-badge strong {
    color: var(--yellow);
    font-size: 17px;
}

.review-updated {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    color: rgba(255, 255, 255, 0.6);
    font-size: 13.5px;
    font-weight: 600;
}

.review-updated .icon {
    color: var(--green);
}

.review-hero-chips {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 1px;
    background: rgba(255, 255, 255, 0.14);
    border: 1px solid rgba(255, 255, 255, 0.14);
    border-radius: 14px;
    overflow: hidden;
    margin-bottom: 20px;
}

.review-chip {
    display: flex;
    flex-direction: column;
    gap: 3px;
    background: rgba(10, 43, 99, 0.55);
    padding: 12px 14px;
}

.review-chip-label {
    display: flex;
    align-items: center;
    gap: 5px;
    font-size: 11.5px;
    color: rgba(255, 255, 255, 0.65);
    font-weight: 600;
}

.review-chip-label .icon {
    color: var(--yellow);
    width: 13px;
    height: 13px;
}

.review-chip-val {
    font-size: 15px;
    font-weight: 800;
    color: var(--white);
}

.review-hero-cta {
    padding: 15px 34px;
    font-size: 17px;
}

.review-disclosure {
    display: flex;
    align-items: flex-start;
    gap: 7px;
    margin-top: 16px;
    color: rgba(255, 255, 255, 0.55);
    font-size: 12.5px;
    line-height: 1.5;
    max-width: 720px;
}

.review-disclosure .icon {
    flex-shrink: 0;
    margin-top: 2px;
}

.review-body {
    max-width: 860px;
    margin: 44px auto 0;
}

/* pros / cons */
.review-proscons,
.review-fit {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
}

.review-pros, .review-cons, .review-fit-yes, .review-fit-no {
    border-radius: var(--radius);
    padding: 20px 22px;
}

.review-pros, .review-fit-yes {
    background: var(--green-bg);
    border: 1px solid #C7EBD3;
}

.review-cons, .review-fit-no {
    background: #FFF4F4;
    border: 1px solid #FADADA;
}

.review-proscons h3, .review-fit h3 {
    display: flex;
    align-items: center;
    gap: 7px;
    font-size: 16px;
    font-weight: 800;
    margin-bottom: 12px;
}

.review-pros h3, .review-fit-yes h3 { color: var(--green); }
.review-cons h3, .review-fit-no h3 { color: var(--red); }

.review-proscons ul, .review-fit ul {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.review-proscons li, .review-fit li {
    font-size: 14.5px;
    color: var(--text);
    line-height: 1.5;
    padding-left: 20px;
    position: relative;
}

.review-pros li::before, .review-fit-yes li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--green);
    font-weight: 800;
}

.review-cons li::before, .review-fit-no li::before {
    content: '✕';
    position: absolute;
    left: 0;
    color: var(--red);
    font-weight: 800;
}

/* reviews list */
.review-list {
    display: flex;
    flex-direction: column;
    gap: 14px;
}

.review-item {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 18px 20px;
    box-shadow: 0 2px 10px rgba(10, 43, 99, 0.05);
}

.review-item-head {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 8px;
    flex-wrap: wrap;
}

.review-item-author {
    font-weight: 800;
    font-size: 15px;
    color: var(--navy-900);
}

.review-item-head .stars {
    color: #F59E0B;
    font-size: 14px;
}

.review-item-date {
    font-size: 12.5px;
    color: var(--text-muted);
    margin-left: auto;
}

.review-item-text {
    font-size: 14.5px;
    color: var(--text);
    line-height: 1.6;
}

.review-item-reply {
    margin-top: 10px;
    padding: 11px 14px;
    background: var(--bg);
    border-radius: var(--radius-sm);
    border-left: 3px solid var(--navy-700);
    font-size: 13.5px;
    color: var(--text-muted);
    line-height: 1.55;
}

.review-item-reply strong {
    color: var(--navy-800);
    display: inline-flex;
    align-items: center;
    gap: 5px;
}

/* review hub /mfo/ */
.review-hub-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
    gap: 18px;
}

.review-hub-card {
    display: flex;
    align-items: center;
    gap: 14px;
    background: var(--white);
    border: 1.5px solid var(--border);
    border-radius: var(--radius);
    padding: 18px 20px;
    box-shadow: 0 3px 12px rgba(10, 43, 99, 0.05);
    transition: transform 0.2s, box-shadow 0.2s, border-color 0.2s;
}

.review-hub-card:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-lg);
    border-color: #C9D6EC;
}

.review-hub-logo {
    width: 72px;
    height: 44px;
    border-radius: 10px;
    border: 1px solid var(--border);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    overflow: hidden;
    font-weight: 800;
    color: var(--navy-700);
    background: var(--white);
}

.review-hub-logo img { max-width: 62px; max-height: 34px; object-fit: contain; }

.review-hub-info { flex: 1; min-width: 0; }
.review-hub-name { font-size: 16px; font-weight: 800; color: var(--navy-900); }
.review-hub-rating { font-size: 13px; color: var(--text-muted); font-weight: 600; }
.review-hub-rating .stars { color: #F59E0B; }
.review-hub-arrow { color: var(--navy-700); }

@media (max-width: 640px) {
    .review-hero-chips { grid-template-columns: repeat(2, 1fr); }
    .review-hero-inner { flex-direction: column; align-items: flex-start; gap: 14px; }
    .review-hero-main h1 { font-size: 23px; }
    .review-proscons, .review-fit { grid-template-columns: 1fr; }
    .review-hero-cta { width: 100%; }
}

/* ---------- Legal pages ---------- */
.page-hero {
    background: linear-gradient(155deg, var(--navy-900) 0%, var(--navy-700) 100%);
    padding: 120px 0 48px;
    text-align: center;
}

.page-hero h1 {
    color: var(--white);
    font-size: 34px;
    font-weight: 800;
    letter-spacing: -0.8px;
}

.page-hero p {
    color: rgba(255, 255, 255, 0.7);
    margin-top: 8px;
}

.page-content {
    background: var(--white);
    padding: 56px 0 72px;
}

.legal-text {
    max-width: 800px;
    margin: 0 auto;
}

.legal-text h2 {
    font-size: 22px;
    font-weight: 800;
    color: var(--navy-900);
    margin: 32px 0 12px;
}

.legal-text p, .legal-text li {
    font-size: 15.5px;
    color: var(--text);
    margin-bottom: 10px;
}

.legal-text ul {
    padding-left: 22px;
    margin-bottom: 14px;
}

.legal-updated {
    font-size: 13.5px;
    color: var(--text-muted);
    margin-bottom: 24px;
}

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
    .hero-inner {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .hero h1 {
        font-size: 38px;
    }

    .calculator-card {
        max-width: 560px;
        margin: 0 auto;
        width: 100%;
    }

    .steps-grid {
        grid-template-columns: repeat(2, 1fr);
        row-gap: 34px;
    }

    .benefits-grid {
        grid-template-columns: 1fr;
    }

    .highlight-card {
        position: static;
    }

    .mfo-card {
        grid-template-columns: 44px 1fr;
    }

    .mfo-rank {
        width: 38px;
        height: 38px;
        font-size: 15px;
    }

    .mfo-action {
        grid-column: 1 / -1;
        flex-direction: row;
        justify-content: space-between;
        align-items: center;
        padding-left: 0;
        padding-top: 14px;
        border-left: none;
        border-top: 1.5px dashed var(--border);
    }

    .mfo-cta {
        width: auto;
        padding: 13px 34px;
    }

    .mfo-params {
        grid-template-columns: repeat(2, 1fr);
    }

    /* 5 params in 2 cols: last one spans the full width so no empty cell */
    .mfo-param:last-child {
        grid-column: 1 / -1;
    }
}

@media (max-width: 768px) {
    .nav, .header-cta {
        display: none;
    }

    .hamburger {
        display: flex;
    }

    .hero {
        padding: 104px 0 52px;
    }

    .hero h1 {
        font-size: 31px;
    }

    .hero-subtitle {
        font-size: 16px;
    }

    .section {
        padding: 52px 0;
    }

    .section-title {
        font-size: 27px;
    }

    .section-subtitle {
        font-size: 15.5px;
        margin-bottom: 32px;
    }

    .stats-grid {
        grid-template-columns: repeat(2, 1fr);
        row-gap: 26px;
    }

    .stat-number {
        font-size: 28px;
    }

    .conditions-grid, .reviews-grid {
        grid-template-columns: 1fr;
    }

    .benefits-list {
        grid-template-columns: 1fr;
    }

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

    .cta-section h2 {
        font-size: 25px;
    }

    .seo-hero h1 {
        font-size: 27px;
    }

    .content-block h2 {
        font-size: 22px;
    }

    .blog-grid {
        grid-template-columns: 1fr;
    }

    .article-body h2 {
        font-size: 21px;
    }

}

@media (max-width: 560px) {
    .steps-grid {
        grid-template-columns: 1fr;
    }

    /* Compact tables on mobile: smaller font + tighter padding + allow wrapping
       so 2-column key/value tables fit the viewport without horizontal scroll. */
    .content-table {
        font-size: 13px;
    }

    .content-table th,
    .content-table td {
        padding: 9px 9px;
    }

    /* 3+ column comparison tables need even tighter cells + wrapping to fit
       narrow phones; scroll-fade hint still covers any residual overflow. */
    .content-table th:nth-child(3),
    .content-table td:nth-child(3),
    .content-table th:nth-child(4),
    .content-table td:nth-child(4) {
        font-size: 12px;
    }

    .content-table td, .content-table th {
        word-break: break-word;
    }

    .calc-body {
        padding: 22px 18px 24px;
    }

    .calc-header {
        padding: 18px 18px 15px;
    }

    .calc-summary {
        padding: 12px 8px;
    }

    .summary-value {
        font-size: 14px;
    }

    .modal {
        padding: 26px 18px 20px;
        border-radius: 18px;
    }

    .modal-overlay {
        padding: 12px;
        align-items: flex-end;
    }

    /* Loading & offers modals stay centered on mobile (they're compact) —
       only the long form modal slides up as a bottom-sheet. */
    #loadingModal,
    #offersModal {
        align-items: center;
    }

    .modal-header h2 {
        font-size: 20px;
    }

    .offer-stats {
        grid-template-columns: 1fr 1fr;
        gap: 8px 10px;
    }

    .mfo-card {
        grid-template-columns: 1fr;
        padding: 18px;
    }

    .mfo-rank {
        display: none;
    }

    .mfo-params {
        grid-template-columns: repeat(2, 1fr);
        gap: 1px;
    }

    .mfo-head {
        flex-wrap: wrap;
    }

    .mfo-action {
        flex-direction: column;
        gap: 10px;
        padding-top: 16px;
    }

    .mfo-cta {
        width: 100%;
    }

    .footer-grid {
        grid-template-columns: 1fr;
        gap: 28px;
    }

    .sticky-info {
        flex-direction: column;
        gap: 0;
        line-height: 1.3;
    }

    .sticky-amount {
        font-size: 18px;
    }

    .sticky-term {
        font-size: 12.5px;
    }

    .hero-trust {
        gap: 14px;
    }

    .hero-trust-value {
        font-size: 17px;
    }
}