/* ============================================================
   CoreLend — Design System & Styles
   ============================================================ */

/* --- Tokens --- */
:root {
  --form-radius: 10px;
  --teal:        #0A8A8A;
  --teal-hover:  #087676;
  --teal-light:  #0FAAAA;
  --teal-50:     #E6F5F5;
  --teal-100:    #C2E8E8;
  --amber:       #F5A623;
  --amber-light: #FFB84D;
  --amber-50:    #FFF4E0;
  --white:       #FFFFFF;
  --gray-50:     #F8FAFB;
  --gray-100:    #F0F4F5;
  --gray-200:    #DDE6E8;
  --gray-300:    #BCCDD0;
  --gray-500:    #7A9099;
  --gray-600:    #556570;
  --gray-700:    #3A4D54;
  --gray-900:    #0D1A1E;
  --text:        #0D1A1E;
  --text-muted:  #556570;

  --font:        'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --radius-sm:   8px;
  --radius:      16px;
  --radius-lg:   24px;
  --radius-xl:   32px;
  --shadow-sm:   0 2px 12px rgba(10, 138, 138, 0.08);
  --shadow:      0 4px 24px rgba(0, 0, 0, 0.08);
  --shadow-lg:   0 12px 48px rgba(0, 0, 0, 0.12);
  --shadow-teal: 0 8px 32px rgba(10, 138, 138, 0.25);
  --transition:  0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --nav-h:       72px;
}

/* --- Reset --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; -webkit-font-smoothing: antialiased; -webkit-text-size-adjust: 100%; overflow-x: hidden; }
body { font-family: var(--font); color: var(--text); background: var(--white); overflow-x: hidden; max-width: 100%; }
img { display: block; max-width: 100%; }
a { text-decoration: none; color: inherit; -webkit-tap-highlight-color: transparent; }
button { cursor: pointer; font-family: var(--font); border: none; background: none; -webkit-tap-highlight-color: transparent; }
ul { list-style: none; }
input, select { font-family: var(--font); font-size: 1rem; }

/* --- Layout --- */
.container {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
}

/* --- Typography --- */
.section-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 16px;
}
.section-eyebrow::before {
  content: '';
  display: block;
  width: 20px;
  height: 2px;
  background: var(--teal);
  border-radius: 2px;
}
.section-title {
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 800;
  line-height: 1.12;
  letter-spacing: -0.03em;
  color: var(--text);
}
.section-sub {
  font-size: 1.125rem;
  color: var(--text-muted);
  line-height: 1.7;
  max-width: 560px;
}
.section-header {
  margin-bottom: 64px;
}
.section-header--center {
  text-align: center;
}
.section-header--center .section-eyebrow {
  justify-content: center;
}
.section-header--center .section-sub {
  margin: 16px auto 0;
}

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-size: 1rem;
  font-weight: 600;
  border-radius: var(--radius-sm);
  padding: 14px 28px;
  transition: var(--transition);
  white-space: nowrap;
  position: relative;
  overflow: hidden;
}
.btn::after {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(255,255,255,0);
  transition: background 0.2s;
}
.btn:hover::after { background: rgba(255,255,255,0.08); }
.btn:active { transform: scale(0.98); }

.btn--primary {
  background: var(--teal);
  color: var(--white);
  box-shadow: var(--shadow-teal);
}
.btn--primary:hover {
  background: var(--teal-hover);
  box-shadow: 0 12px 40px rgba(10,138,138,0.35);
  transform: translateY(-1px);
}

.btn--amber {
  background: var(--amber);
  color: var(--white);
  box-shadow: 0 8px 32px rgba(245,166,35,0.3);
}
.btn--amber:hover {
  background: #e09510;
  transform: translateY(-1px);
}

.btn--outline {
  background: transparent;
  color: var(--teal);
  border: 1.5px solid var(--teal);
}
.btn--outline:hover {
  background: var(--teal-50);
}

.btn--ghost {
  background: rgba(255,255,255,0.12);
  color: var(--white);
  border: 1.5px solid rgba(255,255,255,0.25);
  backdrop-filter: blur(8px);
}
.btn--ghost:hover {
  background: rgba(255,255,255,0.2);
}

.btn--ghost-dark {
  background: transparent;
  color: var(--text);
  border: 1.5px solid var(--gray-200);
}
.btn--ghost-dark:hover {
  background: var(--gray-50);
  border-color: var(--gray-300);
}

.btn--sm   { font-size: 0.875rem; padding: 10px 20px; }
.btn--lg   { font-size: 1.0625rem; padding: 17px 36px; border-radius: 12px; }
.btn--xl   { font-size: 1.125rem; padding: 20px 44px; border-radius: 14px; }
.btn--full { width: 100%; }

.btn__icon { width: 18px; height: 18px; flex-shrink: 0; transition: transform 0.2s; }
.btn:hover .btn__icon { transform: translateX(3px); }

/* ============================================================
   NAVIGATION
   ============================================================ */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  height: var(--nav-h);
  background: rgba(13, 26, 30, 0.94);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(255,255,255,0.08);
  transition: var(--transition);
}
.nav.scrolled {
  border-bottom-color: rgba(255,255,255,0.12);
  background: rgba(13, 26, 30, 0.99);
  box-shadow: 0 2px 24px rgba(0,0,0,0.3);
}
.nav__container {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
  height: 100%;
  display: flex;
  align-items: center;
  gap: 40px;
}
.nav__logo { display: flex; align-items: center; flex-shrink: 0; }
.nav__logo-img { height: 44px; width: auto; }
.nav__links {
  display: flex;
  align-items: center;
  gap: 4px;
  flex: 1;
}
.nav__link {
  font-size: 0.9375rem;
  font-weight: 500;
  color: rgba(255,255,255,0.82);
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  transition: var(--transition);
}
.nav__link:hover {
  color: var(--white);
  background: rgba(255,255,255,0.1);
}
.nav__actions {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}
.nav .btn--outline {
  border-color: rgba(255,255,255,0.35);
  color: rgba(255,255,255,0.9);
}
.nav .btn--outline:hover {
  background: rgba(255,255,255,0.1);
  border-color: rgba(255,255,255,0.7);
  color: var(--white);
}
.nav__hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 5px;
  padding: 8px;
  margin-left: auto;
  min-height: 44px;
  min-width: 44px;
}
.nav__hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: var(--transition);
}
.nav__hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav__hamburger.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.nav__hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.nav__mobile {
  position: absolute;
  top: var(--nav-h);
  left: 0;
  right: 0;
  background: var(--gray-900);
  border-bottom: 1px solid rgba(255,255,255,0.1);
  padding: 16px 24px 24px;
  display: none;
  flex-direction: column;
  gap: 4px;
  box-shadow: 0 8px 32px rgba(0,0,0,0.1);
}
.nav__mobile.open { display: flex; }
.nav__mobile-link {
  font-size: 1rem;
  font-weight: 500;
  color: rgba(255,255,255,0.8);
  padding: 12px 16px;
  border-radius: var(--radius-sm);
  transition: var(--transition);
}
.nav__mobile-link:hover { background: rgba(255,255,255,0.08); color: var(--white); }
.nav__mobile-cta { margin-top: 8px; }

/* ============================================================
   HERO
   ============================================================ */
.hero {
  min-height: 100vh;
  min-height: 100svh;
  padding: calc(var(--nav-h) + 80px) 0 80px;
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  background: var(--white);
}

.hero__bg {
  position: absolute;
  inset: 0;
  pointer-events: none;
  z-index: 0;
}
.hero__blob {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  opacity: 0.12;
}
.hero__blob--1 {
  width: 600px; height: 600px;
  background: var(--teal);
  top: -200px; right: -200px;
}
.hero__blob--2 {
  width: 400px; height: 400px;
  background: var(--amber);
  bottom: -100px; left: -100px;
  opacity: 0.08;
}
.hero__blob--3 {
  width: 300px; height: 300px;
  background: var(--teal-light);
  top: 50%; right: 20%;
  transform: translateY(-50%);
  opacity: 0.07;
}

.hero__container {
  position: relative;
  z-index: 1;
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.hero__content {}

.hero__badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--teal-50);
  color: var(--teal);
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  padding: 8px 16px;
  border-radius: 999px;
  margin-bottom: 28px;
  border: 1px solid var(--teal-100);
  animation: fadeInUp 0.6s ease both;
}
.hero__badge-dot {
  width: 7px; height: 7px;
  background: var(--teal);
  border-radius: 50%;
  animation: pulse 2s ease-in-out infinite;
}

.hero__headline {
  font-size: clamp(2.8rem, 5vw, 4.25rem);
  font-weight: 900;
  line-height: 1.05;
  letter-spacing: -0.04em;
  color: var(--text);
  margin-bottom: 24px;
  animation: fadeInUp 0.6s 0.1s ease both;
}
.hero__headline span {
  color: var(--teal);
  display: block;
}

.hero__sub {
  font-size: 1.1875rem;
  line-height: 1.65;
  color: var(--text-muted);
  margin-bottom: 40px;
  max-width: 480px;
  animation: fadeInUp 0.6s 0.2s ease both;
}

.hero__ctas {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 52px;
  animation: fadeInUp 0.6s 0.3s ease both;
}

.hero__trust {
  display: flex;
  flex-wrap: wrap;
  gap: 20px 32px;
  animation: fadeInUp 0.6s 0.4s ease both;
}
.hero__trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--gray-700);
}
.hero__trust-icon {
  width: 18px; height: 18px;
  background: var(--teal-50);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.hero__trust-icon svg { width: 10px; height: 10px; color: var(--teal); }

/* Hero Visual Panel */
.hero__visual {
  position: relative;
  animation: fadeInRight 0.8s 0.2s ease both;
}

.hero__card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 36px;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--gray-100);
  position: relative;
  z-index: 2;
}
.hero__card-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 28px;
}
.hero__card-title {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--gray-600);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.hero__card-badge {
  background: var(--teal-50);
  color: var(--teal);
  font-size: 0.75rem;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: 999px;
}

.hero__rate-display {
  margin-bottom: 28px;
}
.hero__rate-number {
  font-size: 3.5rem;
  font-weight: 900;
  letter-spacing: -0.04em;
  color: var(--text);
  line-height: 1;
}
.hero__rate-label {
  font-size: 0.9375rem;
  color: var(--text-muted);
  margin-top: 6px;
}

.hero__rate-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 24px;
}
.hero__rate-item {
  background: var(--gray-50);
  border-radius: var(--radius);
  padding: 16px;
}
.hero__rate-item-label {
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--gray-500);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 6px;
}
.hero__rate-item-value {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--text);
  letter-spacing: -0.02em;
}
.hero__rate-item-value.green { color: #16a34a; }

.hero__lenders {
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.hero__lender-faces {
  display: flex;
}
.hero__lender-face {
  width: 36px; height: 36px;
  border-radius: 50%;
  border: 2px solid var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.6875rem;
  font-weight: 700;
  color: var(--white);
  margin-left: -10px;
  flex-shrink: 0;
}
.hero__lender-face:first-child { margin-left: 0; }
.hero__lender-text {
  font-size: 0.8125rem;
  color: var(--gray-600);
  font-weight: 500;
}
.hero__lender-text strong { color: var(--teal); }

/* Floating accent cards */
.hero__float-1 {
  position: absolute;
  top: -20px;
  left: -40px;
  background: var(--amber);
  color: var(--white);
  padding: 14px 20px;
  border-radius: var(--radius);
  box-shadow: 0 8px 32px rgba(245,166,35,0.4);
  z-index: 3;
  animation: float 4s ease-in-out infinite;
}
.hero__float-1-num { font-size: 1.5rem; font-weight: 900; letter-spacing: -0.03em; line-height: 1; }
.hero__float-1-label { font-size: 0.75rem; font-weight: 600; opacity: 0.85; margin-top: 2px; }

.hero__float-2 {
  position: absolute;
  bottom: -20px;
  right: -20px;
  background: var(--white);
  padding: 14px 20px;
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  z-index: 3;
  display: flex;
  align-items: center;
  gap: 12px;
  animation: float 4s 2s ease-in-out infinite;
  border: 1px solid var(--gray-100);
}
.hero__float-2-icon {
  width: 40px; height: 40px;
  background: var(--teal-50);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.hero__float-2-icon svg { width: 20px; height: 20px; color: var(--teal); }
.hero__float-2-text {}
.hero__float-2-label { font-size: 0.75rem; color: var(--gray-500); font-weight: 500; }
.hero__float-2-value { font-size: 1rem; font-weight: 700; color: var(--text); }

/* ============================================================
   STATS BAR
   ============================================================ */
.stats {
  background: var(--gray-900);
  padding: 56px 0;
}
.stats__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  divide-x: var(--gray-700);
}
.stats__item {
  text-align: center;
  padding: 0 24px;
  border-right: 1px solid rgba(255,255,255,0.1);
}
.stats__item:last-child { border-right: none; }
.stats__number-wrap {
  display: flex;
  align-items: baseline;
  justify-content: center;
  gap: 2px;
  margin-bottom: 8px;
}
.stats__number {
  font-size: 2.75rem;
  font-weight: 900;
  letter-spacing: -0.04em;
  color: var(--white);
  line-height: 1;
}
.stats__prefix,
.stats__suffix {
  font-size: 1.5rem;
  font-weight: 800;
  letter-spacing: -0.03em;
  color: var(--teal-light);
}
.stats__label {
  font-size: 0.9375rem;
  color: rgba(255,255,255,0.5);
  font-weight: 400;
}

/* ============================================================
   SERVICES
   ============================================================ */
.services {
  padding: 120px 0;
  background: var(--white);
}
.services__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.service-card {
  background: var(--white);
  border: 1.5px solid var(--gray-100);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
  cursor: default;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--teal), var(--teal-light));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.3s ease;
}
.service-card:hover {
  border-color: var(--teal-100);
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}
.service-card:hover::before { transform: scaleX(1); }

.service-card__icon {
  width: 56px; height: 56px;
  background: var(--teal-50);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
  transition: var(--transition);
}
.service-card__icon svg { width: 26px; height: 26px; color: var(--teal); }
.service-card:hover .service-card__icon { background: var(--teal); }
.service-card:hover .service-card__icon svg { color: var(--white); }

.service-card__tag {
  display: inline-block;
  font-size: 0.6875rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--amber);
  background: var(--amber-50);
  padding: 3px 10px;
  border-radius: 999px;
  margin-bottom: 12px;
}

.service-card__title {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 12px;
  letter-spacing: -0.02em;
}
.service-card__desc {
  font-size: 0.9375rem;
  line-height: 1.65;
  color: var(--text-muted);
  margin-bottom: 24px;
}
.service-card__link {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--teal);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: gap 0.2s;
}
.service-card__link:hover { gap: 10px; }
.service-card__link svg { width: 16px; height: 16px; }

/* Featured last card — spans full grid width */
.services__grid .service-card:last-child {
  grid-column: 1 / -1;
  display: grid;
  grid-template-columns: 64px 1fr;
  column-gap: 32px;
  align-items: start;
  background: linear-gradient(135deg, var(--teal-50) 0%, var(--white) 60%);
  border-color: var(--teal-100);
}
.services__grid .service-card:last-child .service-card__icon {
  grid-column: 1;
  grid-row: 1 / 5;
  margin-bottom: 0;
  align-self: start;
  margin-top: 4px;
  width: 64px;
  height: 64px;
}
.services__grid .service-card:last-child .service-card__tag { grid-column: 2; grid-row: 1; }
.services__grid .service-card:last-child .service-card__title { grid-column: 2; grid-row: 2; }
.services__grid .service-card:last-child .service-card__desc { grid-column: 2; grid-row: 3; }
.services__grid .service-card:last-child .service-card__link { grid-column: 2; grid-row: 4; }

/* ============================================================
   HOW IT WORKS
   ============================================================ */
.how {
  padding: 120px 0;
  background: var(--gray-50);
}
.how__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 48px;
  position: relative;
}
.how__grid::before {
  content: '';
  position: absolute;
  top: 48px;
  left: calc(16.666% + 24px);
  right: calc(16.666% + 24px);
  height: 1px;
  background: var(--teal-100);
  z-index: 0;
}

.how__step {
  text-align: center;
  position: relative;
  z-index: 1;
}
.how__step-num {
  width: 96px; height: 96px;
  background: var(--white);
  border: 2px solid var(--teal-100);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 28px;
  font-size: 2rem;
  font-weight: 900;
  color: var(--teal);
  position: relative;
  transition: var(--transition);
  box-shadow: var(--shadow-sm);
}
.how__step:hover .how__step-num {
  background: var(--teal);
  color: var(--white);
  border-color: var(--teal);
  transform: scale(1.08);
  box-shadow: var(--shadow-teal);
}
.how__step-icon {
  width: 48px; height: 48px;
  background: var(--teal-50);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
}
.how__step-icon svg { width: 24px; height: 24px; color: var(--teal); }

.how__step-num-text {
  position: absolute;
  top: -8px;
  right: -8px;
  width: 26px; height: 26px;
  background: var(--amber);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  font-weight: 800;
  color: var(--white);
}

.how__step-title {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 12px;
  letter-spacing: -0.02em;
}
.how__step-desc {
  font-size: 0.9375rem;
  line-height: 1.65;
  color: var(--text-muted);
}
.how__step-time {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--teal);
  margin-top: 16px;
  background: var(--teal-50);
  padding: 5px 12px;
  border-radius: 999px;
}

/* ============================================================
   CALCULATOR
   ============================================================ */
.calculator {
  padding: 120px 0;
  background: var(--white);
}

.calc__card {
  background: var(--white);
  border-radius: var(--radius-xl);
  border: 1.5px solid var(--gray-100);
  box-shadow: 0 24px 80px rgba(0,0,0,0.08);
  overflow: hidden;
  display: grid;
  grid-template-columns: 1fr 1fr;
}

.calc__inputs {
  padding: 48px;
  border-right: 1.5px solid var(--gray-100);
  display: flex;
  flex-direction: column;
  gap: 36px;
}
.calc__results {
  padding: 48px;
  background: var(--gray-50);
  display: flex;
  flex-direction: column;
  gap: 28px;
}

.calc__field-label {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 14px;
}
.calc__label {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--text);
}

.calc__value-box {
  display: flex;
  align-items: center;
  gap: 4px;
  background: var(--teal-50);
  border: 1.5px solid var(--teal-100);
  border-radius: var(--radius-sm);
  padding: 6px 12px;
  transition: var(--transition);
}
.calc__value-box:focus-within {
  border-color: var(--teal);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(10,138,138,0.12);
}
.calc__value-prefix,
.calc__value-suffix {
  font-size: 0.9375rem;
  font-weight: 700;
  color: var(--teal);
  flex-shrink: 0;
}
.calc__value-input {
  border: none;
  background: transparent;
  font-size: 1rem;
  font-weight: 700;
  color: var(--text);
  width: 90px;
  outline: none;
  text-align: right;
}
.calc__value-input[id="loanAmountInput"] { width: 110px; }

/* Slider */
.calc__slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 4px;
  background: var(--gray-200);
  border-radius: 999px;
  outline: none;
  cursor: pointer;
  position: relative;
}
.calc__slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--white);
  border: 2.5px solid var(--teal);
  cursor: pointer;
  box-shadow: 0 2px 12px rgba(10,138,138,0.3);
  transition: transform 0.15s, box-shadow 0.15s;
}
.calc__slider::-webkit-slider-thumb:hover,
.calc__slider:active::-webkit-slider-thumb {
  transform: scale(1.2);
  box-shadow: 0 4px 20px rgba(10,138,138,0.4);
}
.calc__slider::-moz-range-thumb {
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--white);
  border: 2.5px solid var(--teal);
  cursor: pointer;
  box-shadow: 0 2px 12px rgba(10,138,138,0.3);
  transition: transform 0.15s;
}
.calc__slider-labels {
  display: flex;
  justify-content: space-between;
  margin-top: 8px;
}
.calc__slider-label {
  font-size: 0.75rem;
  color: var(--gray-500);
  font-weight: 500;
}

/* Term Buttons */
.calc__term-btns {
  display: flex;
  gap: 8px;
}
.calc__term-btn {
  flex: 1;
  padding: 10px 4px;
  border-radius: var(--radius-sm);
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--gray-600);
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  transition: var(--transition);
}
.calc__term-btn:hover {
  border-color: var(--teal);
  color: var(--teal);
  background: var(--teal-50);
}
.calc__term-btn.active {
  background: var(--teal);
  color: var(--white);
  border-color: var(--teal);
  box-shadow: 0 4px 16px rgba(10,138,138,0.3);
}

/* Repayment Type Toggle */
.calc__type-toggle {
  display: flex;
  background: var(--gray-100);
  border-radius: var(--radius-sm);
  padding: 4px;
  gap: 4px;
}
.calc__type-btn {
  flex: 1;
  padding: 10px 16px;
  border-radius: 6px;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--gray-600);
  transition: var(--transition);
}
.calc__type-btn.active {
  background: var(--white);
  color: var(--teal);
  box-shadow: 0 2px 8px rgba(0,0,0,0.08);
}

/* Results */
.calc__result-main {
  text-align: center;
  padding: 32px;
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1.5px solid var(--gray-100);
  box-shadow: var(--shadow-sm);
}
.calc__result-label {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--gray-500);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 12px;
}
.calc__result-amount {
  font-size: 3rem;
  font-weight: 900;
  letter-spacing: -0.04em;
  color: var(--teal);
  line-height: 1;
  margin-bottom: 6px;
  transition: all 0.3s ease;
}
.calc__result-per {
  font-size: 0.9375rem;
  color: var(--gray-500);
  font-weight: 500;
}

.calc__breakdown {
  background: var(--white);
  border-radius: var(--radius);
  border: 1.5px solid var(--gray-100);
  overflow: hidden;
}
.calc__breakdown-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 20px;
}
.calc__breakdown-row + .calc__breakdown-row {
  border-top: 1px solid var(--gray-100);
}
.calc__breakdown-name {
  font-size: 0.9375rem;
  color: var(--gray-600);
  font-weight: 500;
  display: flex;
  align-items: center;
  gap: 8px;
}
.calc__breakdown-dot {
  width: 10px; height: 10px;
  border-radius: 50%;
  flex-shrink: 0;
}
.calc__breakdown-dot--principal { background: var(--teal); }
.calc__breakdown-dot--interest  { background: var(--amber); }
.calc__breakdown-val {
  font-size: 1rem;
  font-weight: 700;
  color: var(--text);
  letter-spacing: -0.02em;
  transition: all 0.3s ease;
}

/* Donut Chart */
.calc__donut-wrap {
  display: flex;
  align-items: center;
  gap: 24px;
}
.calc__donut {
  position: relative;
  width: 100px;
  height: 100px;
  flex-shrink: 0;
}
.calc__donut svg {
  width: 100%;
  height: 100%;
  transform: rotate(-90deg);
}
.calc__donut-bg {
  fill: none;
  stroke: var(--gray-100);
  stroke-width: 10;
}
.calc__donut-principal {
  fill: none;
  stroke: var(--teal);
  stroke-width: 10;
  stroke-linecap: round;
  transition: stroke-dasharray 0.5s ease;
}
.calc__donut-interest {
  fill: none;
  stroke: var(--amber);
  stroke-width: 10;
  stroke-linecap: round;
  transition: stroke-dasharray 0.5s ease, stroke-dashoffset 0.5s ease;
}
.calc__donut-center {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
}
.calc__donut-pct {
  font-size: 1.1875rem;
  font-weight: 800;
  color: var(--text);
  letter-spacing: -0.03em;
  line-height: 1;
}
.calc__donut-sub {
  font-size: 0.625rem;
  font-weight: 600;
  color: var(--gray-500);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.calc__legend {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.calc__legend-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--gray-600);
}
.calc__legend-dot {
  width: 10px; height: 10px;
  border-radius: 50%;
  flex-shrink: 0;
}
.calc__legend-dot--principal { background: var(--teal); }
.calc__legend-dot--interest  { background: var(--amber); }

.calc__disclaimer {
  font-size: 0.75rem;
  color: var(--gray-500);
  text-align: center;
  line-height: 1.5;
}
.calc__disclaimer a { color: var(--teal); font-weight: 500; }

/* ============================================================
   WHY CORELEND
   ============================================================ */
/* ============================================================
   JONATHAN PHOTO — WHY SECTION
   ============================================================ */
.why__layout {
  display: grid;
  grid-template-columns: 340px 1fr;
  gap: 72px;
  align-items: start;
  position: relative;
  z-index: 1;
}

.jonathan-photo-wrap {
  position: relative;
  border-radius: 20px;
  overflow: hidden;
  aspect-ratio: 3/4;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.1);
}

.jonathan-photo-placeholder {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 16px;
  background: linear-gradient(160deg, rgba(10,138,138,0.12) 0%, transparent 70%);
  color: rgba(255,255,255,0.25);
  text-align: center;
  padding: 32px;
}
.jonathan-photo-placeholder p {
  font-size: 0.8125rem;
  line-height: 1.6;
  margin: 0;
}
.jonathan-photo-placeholder code {
  font-size: 0.75rem;
  background: rgba(255,255,255,0.08);
  padding: 2px 6px;
  border-radius: 4px;
  font-family: monospace;
}

.jonathan-photo-img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: top center;
  display: block;
}

.jonathan-photo-caption {
  position: absolute;
  bottom: 0; left: 0; right: 0;
  padding: 56px 24px 24px;
  background: linear-gradient(transparent, rgba(0,0,0,0.8));
  display: flex;
  flex-direction: column;
  gap: 4px;
  z-index: 2;
}
.jonathan-photo-caption strong {
  color: var(--white);
  font-size: 1.0625rem;
  font-weight: 700;
  letter-spacing: -0.02em;
}
.jonathan-photo-caption span {
  color: rgba(255,255,255,0.55);
  font-size: 0.8125rem;
}

@media (max-width: 960px) {
  .why__layout {
    grid-template-columns: 1fr;
    gap: 48px;
  }
  .jonathan-photo-wrap {
    max-width: 260px;
    margin: 0 auto;
    aspect-ratio: 1/1;
    border-radius: 50%;
  }
  .jonathan-photo-caption { display: none; }
}

/* ============================================================
   HERO PERSONAL INTRO
   ============================================================ */
.hero__personal-intro {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 20px;
  animation: fadeInUp 0.5s ease both;
}
.hero__avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  overflow: hidden;
  border: 2px solid rgba(10,138,138,0.5);
  background: rgba(10,138,138,0.15);
  flex-shrink: 0;
  position: relative;
}
.hero__avatar img {
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: top;
  display: block;
}
.hero__avatar-fallback {
  display: none;
  position: absolute;
  inset: 0;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.4);
}
.hero__personal-text {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.hero__personal-name {
  font-size: 0.9rem;
  font-weight: 700;
  color: rgba(255,255,255,0.9);
  letter-spacing: -0.01em;
}
.hero__personal-role {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.45);
}

/* ============================================================
   CTA BROKER AVATAR
   ============================================================ */
.cta-section__broker {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 20px;
}
.cta-broker-avatar {
  width: 52px; height: 52px;
  border-radius: 50%;
  overflow: hidden;
  border: 2px solid var(--teal-100);
  background: var(--teal-50);
  flex-shrink: 0;
  position: relative;
}
.cta-broker-avatar img {
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: top;
  display: block;
}
.cta-broker-avatar__fallback {
  display: none;
  position: absolute;
  inset: 0;
  align-items: center;
  justify-content: center;
  color: var(--teal);
}

/* ============================================================
   WHY SECTION
   ============================================================ */
.why {
  padding: 120px 0;
  background: var(--gray-900);
  position: relative;
  overflow: hidden;
}
.why::before {
  content: '';
  position: absolute;
  top: -200px; right: -200px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(10,138,138,0.15) 0%, transparent 70%);
  pointer-events: none;
}
.why::after {
  content: '';
  position: absolute;
  bottom: -100px; left: -100px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(245,166,35,0.08) 0%, transparent 70%);
  pointer-events: none;
}

.why .section-eyebrow { color: var(--teal-light); }
.why .section-eyebrow::before { background: var(--teal-light); }
.why .section-title { color: var(--white); }
.why .section-sub { color: rgba(255,255,255,0.55); }

.why__grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  position: relative;
  z-index: 1;
}
.why__item {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius-lg);
  padding: 36px;
  transition: var(--transition);
}
.why__item:hover {
  background: rgba(255,255,255,0.08);
  border-color: rgba(10,138,138,0.4);
  transform: translateY(-2px);
}
.why__item-icon {
  width: 52px; height: 52px;
  background: rgba(10,138,138,0.2);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  transition: var(--transition);
}
.why__item:hover .why__item-icon { background: var(--teal); }
.why__item-icon svg { width: 24px; height: 24px; color: var(--teal-light); }
.why__item:hover .why__item-icon svg { color: var(--white); }
.why__item-title {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 10px;
  letter-spacing: -0.02em;
}
.why__item-desc {
  font-size: 0.9375rem;
  line-height: 1.65;
  color: rgba(255,255,255,0.55);
}

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonials {
  padding: 120px 0;
  background: var(--white);
}
.testimonials__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.testimonial-card {
  background: var(--white);
  border: 1.5px solid var(--gray-100);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  transition: var(--transition);
  position: relative;
}
.testimonial-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
  border-color: var(--teal-100);
}
.testimonial-card__quote {
  color: var(--teal);
  font-size: 3rem;
  font-weight: 900;
  line-height: 0.6;
  margin-bottom: 16px;
  opacity: 0.3;
}
.testimonial-card__stars {
  display: flex;
  gap: 3px;
  margin-bottom: 16px;
}
.testimonial-card__star {
  width: 16px; height: 16px;
  color: var(--amber);
}
.testimonial-card__text {
  font-size: 1rem;
  line-height: 1.7;
  color: var(--gray-700);
  margin-bottom: 24px;
  font-style: italic;
}
.testimonial-card__author {
  display: flex;
  align-items: center;
  gap: 12px;
}
.testimonial-card__avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  font-weight: 700;
  color: var(--white);
  flex-shrink: 0;
}
.testimonial-card__name {
  font-weight: 700;
  font-size: 0.9375rem;
  color: var(--text);
}
.testimonial-card__meta {
  font-size: 0.8125rem;
  color: var(--gray-500);
}

/* ============================================================
   FAQ
   ============================================================ */
.faq {
  padding: 120px 0;
  background: var(--gray-50);
}
.faq__grid {
  max-width: 760px;
  margin: 0 auto;
}
.faq__item {
  background: var(--white);
  border-radius: var(--radius);
  border: 1.5px solid var(--gray-100);
  margin-bottom: 12px;
  overflow: hidden;
  transition: var(--transition);
}
.faq__item.open {
  border-color: var(--teal-100);
  box-shadow: var(--shadow-sm);
}
.faq__question {
  width: 100%;
  text-align: left;
  padding: 22px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  font-size: 1rem;
  font-weight: 600;
  color: var(--text);
  cursor: pointer;
  transition: color 0.2s;
}
.faq__question:hover { color: var(--teal); }
.faq__item.open .faq__question { color: var(--teal); }
.faq__chevron {
  width: 24px; height: 24px;
  color: var(--gray-400);
  flex-shrink: 0;
  transition: transform 0.3s ease;
}
.faq__item.open .faq__chevron {
  transform: rotate(180deg);
  color: var(--teal);
}
.faq__answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}
.faq__answer-inner {
  padding: 0 24px 22px;
  font-size: 0.9375rem;
  line-height: 1.7;
  color: var(--text-muted);
}

/* ============================================================
   CTA SECTION
   ============================================================ */
.cta-section {
  padding: 120px 0;
  background: linear-gradient(135deg, var(--teal) 0%, #06666a 100%);
  position: relative;
  overflow: hidden;
}
.cta-section::before {
  content: '';
  position: absolute;
  top: -100px; right: -100px;
  width: 500px; height: 500px;
  background: rgba(255,255,255,0.05);
  border-radius: 50%;
}
.cta-section::after {
  content: '';
  position: absolute;
  bottom: -150px; left: -50px;
  width: 400px; height: 400px;
  background: rgba(0,0,0,0.08);
  border-radius: 50%;
}
.cta-section__inner {
  position: relative;
  z-index: 1;
  text-align: center;
}
.cta-section__eyebrow {
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.65);
  margin-bottom: 20px;
}
.cta-section__title {
  font-size: clamp(2rem, 4vw, 3.25rem);
  font-weight: 900;
  letter-spacing: -0.04em;
  color: var(--white);
  margin-bottom: 20px;
  line-height: 1.1;
}
.cta-section__sub {
  font-size: 1.125rem;
  color: rgba(255,255,255,0.7);
  margin-bottom: 48px;
  max-width: 540px;
  margin-left: auto;
  margin-right: auto;
  line-height: 1.65;
}
.cta-section__btns {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 48px;
}
.cta-section__trust {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 32px;
  flex-wrap: wrap;
}
.cta-section__trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.875rem;
  color: rgba(255,255,255,0.65);
  font-weight: 500;
}
.cta-section__trust-item svg { width: 16px; height: 16px; color: rgba(255,255,255,0.5); }

/* ============================================================
   FOOTER
   ============================================================ */
.footer {
  background: var(--gray-900);
  padding: 80px 0 40px;
  color: rgba(255,255,255,0.5);
}
.footer__top {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 64px;
}
.footer__brand {}
.footer__logo {
  height: 44px;
  width: auto;
  margin-bottom: 20px;
  filter: brightness(0) invert(1);
  opacity: 0.9;
}
.footer__desc {
  font-size: 0.9375rem;
  line-height: 1.65;
  color: rgba(255,255,255,0.45);
  max-width: 280px;
  margin-bottom: 24px;
}
.footer__social {
  display: flex;
  gap: 12px;
}
.footer__social-link {
  width: 36px; height: 36px;
  background: rgba(255,255,255,0.07);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.4);
  transition: var(--transition);
}
.footer__social-link:hover {
  background: var(--teal);
  color: var(--white);
}
.footer__social-link svg { width: 16px; height: 16px; }
.footer__col-title {
  font-size: 0.8125rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--white);
  margin-bottom: 20px;
}
.footer__links {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.footer__link {
  font-size: 0.9375rem;
  color: rgba(255,255,255,0.45);
  transition: color 0.2s;
}
.footer__link:hover { color: var(--teal-light); }

.footer__bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 40px;
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}
.footer__legal {
  font-size: 0.8125rem;
  line-height: 1.6;
  color: rgba(255,255,255,0.3);
  max-width: 680px;
}
.footer__copy {
  font-size: 0.8125rem;
  color: rgba(255,255,255,0.35);
  white-space: nowrap;
}

/* ============================================================
   ANIMATIONS
   ============================================================ */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(24px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes fadeInRight {
  from { opacity: 0; transform: translateX(32px); }
  to   { opacity: 1; transform: translateX(0); }
}
@keyframes float {
  0%, 100% { transform: translateY(0); }
  50%       { transform: translateY(-10px); }
}
@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50%       { opacity: 0.6; transform: scale(0.85); }
}
@keyframes countUp {
  from { opacity: 0; transform: translateY(10px); }
  to   { opacity: 1; transform: translateY(0); }
}

.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}
.reveal-delay-1 { transition-delay: 0.1s; }
.reveal-delay-2 { transition-delay: 0.2s; }
.reveal-delay-3 { transition-delay: 0.3s; }
.reveal-delay-4 { transition-delay: 0.4s; }

/* ============================================================
   NAV DROPDOWNS
   ============================================================ */
.nav__dropdown-wrap { position: relative; }
.nav__link--drop {
  display: flex; align-items: center; gap: 4px;
}
.nav__drop-chevron {
  width: 14px; height: 14px;
  transition: transform 0.2s;
  flex-shrink: 0;
  color: rgba(255,255,255,0.5);
}
.nav__dropdown-wrap:hover .nav__drop-chevron { transform: rotate(180deg); }

.nav__dropdown {
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%) translateY(4px);
  min-width: 230px;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: 0 8px 40px rgba(0,0,0,0.18);
  border: 1px solid var(--gray-100);
  padding: 8px 6px 6px;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.2s ease, transform 0.2s ease;
  z-index: 200;
}
.nav__dropdown::before {
  content: '';
  position: absolute;
  top: -10px;
  left: 0;
  right: 0;
  height: 10px;
}
.nav__dropdown-wrap:hover .nav__dropdown {
  opacity: 1;
  pointer-events: auto;
  transform: translateX(-50%) translateY(0);
}
.nav__dropdown-link {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 14px;
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--gray-700);
  border-radius: var(--radius-sm);
  transition: var(--transition);
  white-space: nowrap;
}
.nav__dropdown-link:hover {
  background: var(--teal-50);
  color: var(--teal);
}
.nav__dropdown-link svg { width: 16px; height: 16px; color: var(--teal); flex-shrink: 0; }
.nav__dropdown-divider {
  height: 1px;
  background: var(--gray-100);
  margin: 4px 8px;
}

/* ============================================================
   PAGE HERO (inner pages)
   ============================================================ */
.page-hero {
  padding: calc(var(--nav-h) + 80px) 0 80px;
  background: linear-gradient(160deg, var(--teal-50) 0%, var(--white) 55%);
  position: relative;
  overflow: hidden;
  text-align: center;
}
.page-hero::after {
  content: '';
  position: absolute;
  top: -150px; right: -150px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(10,138,138,0.07) 0%, transparent 70%);
  pointer-events: none;
}
.page-hero__container {
  position: relative; z-index: 1;
  max-width: 800px;
  margin: 0 auto;
  padding: 0 24px;
}
.page-hero__breadcrumb {
  display: flex; align-items: center; justify-content: center;
  gap: 6px;
  font-size: 0.8125rem;
  color: var(--gray-500);
  margin-bottom: 20px;
}
.page-hero__breadcrumb a { color: var(--teal); font-weight: 500; }
.page-hero__breadcrumb a:hover { text-decoration: underline; }
.page-hero__breadcrumb-sep { color: var(--gray-300); }
.page-hero__title {
  font-size: clamp(2.25rem, 5vw, 3.5rem);
  font-weight: 900;
  letter-spacing: -0.04em;
  line-height: 1.1;
  color: var(--text);
  margin-bottom: 20px;
}
.page-hero__title span { color: var(--teal); }
.page-hero__sub {
  font-size: 1.125rem;
  line-height: 1.7;
  color: var(--text-muted);
  margin-bottom: 36px;
  max-width: 640px;
  margin-left: auto;
  margin-right: auto;
}
.page-hero__ctas {
  display: flex; align-items: center; justify-content: center;
  gap: 12px; flex-wrap: wrap;
}

/* ============================================================
   INNER PAGE CONTENT
   ============================================================ */
.content-section { padding: 80px 0; }
.content-section--alt { background: var(--gray-50); }
.content-section--dark { background: var(--gray-900); }

.content-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
}
.content-block h2 {
  font-size: clamp(1.75rem, 3.5vw, 2.5rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  color: var(--text);
  line-height: 1.2;
  margin-bottom: 16px;
}
.content-block h3 {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 10px;
  margin-top: 36px;
  letter-spacing: -0.02em;
}
.content-block h3:first-child { margin-top: 0; }
.content-block p {
  font-size: 1.0625rem;
  line-height: 1.75;
  color: var(--text-muted);
  margin-bottom: 16px;
}
.content-block p:last-child { margin-bottom: 0; }

.checklist { list-style: none; display: flex; flex-direction: column; gap: 12px; }
.checklist li {
  display: flex; align-items: flex-start; gap: 12px;
  font-size: 1.0625rem;
  color: var(--text-muted);
  line-height: 1.6;
}
.check-icon {
  width: 22px; height: 22px;
  background: var(--teal-50);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; margin-top: 1px;
}
.check-icon svg { width: 11px; height: 11px; color: var(--teal); }

.info-box {
  background: var(--teal-50);
  border: 1.5px solid var(--teal-100);
  border-radius: var(--radius-lg);
  padding: 24px 28px;
  margin: 28px 0;
}
.info-box--amber {
  background: var(--amber-50);
  border-color: rgba(245,166,35,0.25);
}
.info-box__label {
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: var(--teal);
  margin-bottom: 8px;
  display: flex; align-items: center; gap: 6px;
}
.info-box--amber .info-box__label { color: var(--amber); }
.info-box__label svg { width: 14px; height: 14px; }
.info-box__text {
  font-size: 0.9375rem;
  line-height: 1.7;
  color: var(--gray-700);
}

.stat-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin: 36px 0;
}
.stat-box {
  background: var(--white);
  border: 1.5px solid var(--gray-100);
  border-radius: var(--radius);
  padding: 24px;
  text-align: center;
  box-shadow: var(--shadow-sm);
}
.stat-box__num {
  font-size: 2.25rem;
  font-weight: 900;
  letter-spacing: -0.04em;
  color: var(--teal);
  line-height: 1;
  margin-bottom: 6px;
}
.stat-box__label {
  font-size: 0.875rem;
  color: var(--gray-500);
  font-weight: 500;
}

.step-list { display: flex; flex-direction: column; gap: 0; }
.step-item {
  display: flex; gap: 20px;
  padding-bottom: 32px;
  position: relative;
}
.step-item:last-child { padding-bottom: 0; }
.step-item::before {
  content: ''; position: absolute;
  left: 19px; top: 44px; bottom: 0;
  width: 2px;
  background: var(--teal-100);
}
.step-item:last-child::before { display: none; }
.step-num {
  width: 40px; height: 40px;
  background: var(--teal);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.9375rem; font-weight: 800; color: var(--white);
  flex-shrink: 0; position: relative; z-index: 1;
}
.step-content { padding-top: 8px; }
.step-title { font-size: 1.0625rem; font-weight: 700; color: var(--text); margin-bottom: 6px; }
.step-desc { font-size: 0.9375rem; line-height: 1.65; color: var(--text-muted); }

.sidebar-layout {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 60px;
  align-items: start;
}
.sidebar-card {
  position: sticky;
  top: calc(var(--nav-h) + 24px);
  background: var(--white);
  border: 1.5px solid var(--gray-100);
  border-radius: var(--radius-xl);
  padding: 32px;
  box-shadow: var(--shadow);
}
.sidebar-card__title {
  font-size: 1.25rem; font-weight: 700; color: var(--text);
  margin-bottom: 20px; letter-spacing: -0.02em;
}
.sidebar-card__sub { font-size: 0.9375rem; color: var(--text-muted); margin-bottom: 20px; line-height: 1.6; }

.mini-faq { display: flex; flex-direction: column; gap: 0; }
.mini-faq .faq__item { margin-bottom: 8px; }

.guides-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.guide-card {
  background: var(--white);
  border: 1.5px solid var(--gray-100);
  border-radius: var(--radius-lg);
  padding: 28px;
  transition: var(--transition);
  display: flex; flex-direction: column;
  text-decoration: none;
}
.guide-card:hover {
  border-color: var(--teal-100);
  box-shadow: var(--shadow);
  transform: translateY(-3px);
}
.guide-card__tag {
  font-size: 0.75rem; font-weight: 700;
  letter-spacing: 0.06em; text-transform: uppercase;
  color: var(--teal); margin-bottom: 12px;
}
.guide-card__title {
  font-size: 1.125rem; font-weight: 700; color: var(--text);
  line-height: 1.3; margin-bottom: 10px; letter-spacing: -0.02em;
}
.guide-card__desc {
  font-size: 0.9375rem; color: var(--text-muted); line-height: 1.6;
  flex: 1; margin-bottom: 20px;
}
.guide-card__link {
  font-size: 0.9375rem; font-weight: 600; color: var(--teal);
  display: inline-flex; align-items: center; gap: 6px;
}
.guide-card__link svg { width: 15px; height: 15px; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .hero__container { grid-template-columns: 1fr; gap: 60px; }
  .hero__visual { max-width: 500px; }
  .stats__grid { grid-template-columns: repeat(2, 1fr); gap: 32px; }
  .stats__item { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.1); padding-bottom: 24px; }
  .stats__item:nth-child(even) { }
  .services__grid { grid-template-columns: repeat(2, 1fr); }
  .footer__top { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 1024px) {
  .why > .container > div { grid-template-columns: 1fr !important; gap: 48px; }
  .sidebar-layout { grid-template-columns: 1fr; }
  .sidebar-card { position: static; }
  .content-grid { grid-template-columns: 1fr; gap: 48px; }
  .hero__container { gap: 48px; }
  .cta-section__inner--split { gap: 48px; }
  .reviews__grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  :root { --nav-h: 64px; }
  .nav__links,
  .nav__actions .btn--outline { display: none; }
  .content-section { padding: 60px 0; }
  .guides-grid { grid-template-columns: 1fr; }
  .stat-row { grid-template-columns: repeat(2, 1fr); }
  .nav__hamburger { display: flex; }
  .hero__container { grid-template-columns: 1fr; gap: 40px; }
  .hero__lead-card { padding: 28px 20px; }
  .cta-section__inner--split { grid-template-columns: 1fr; gap: 40px; }
  .reviews__grid { grid-template-columns: 1fr; }
  .trust-bar__grid { flex-wrap: wrap; gap: 12px 24px; justify-content: center; }
  .trust-bar__sep { display: none; }
  .page-hero__ctas { flex-direction: column; align-items: center; }
  .page-hero__ctas .btn { width: 100%; max-width: 340px; justify-content: center; }
  .positioning__inner { padding: 32px 20px; }
  .calc-preview__card { grid-template-columns: 1fr; }
  .process-steps { gap: 24px; }

  .hero { padding: calc(var(--nav-h) + 48px) 0 64px; }
  .hero__headline { font-size: clamp(2.2rem, 8vw, 3.2rem); }
  .hero__float-1, .hero__float-2 { display: none; }

  .section-title { font-size: clamp(1.75rem, 6vw, 2.5rem); }

  .services__grid { grid-template-columns: 1fr; }
  .how__grid { grid-template-columns: 1fr; gap: 32px; }
  .how__grid::before { display: none; }
  .why__grid { grid-template-columns: 1fr; }
  .testimonials__grid { grid-template-columns: 1fr; }

  .calc__card { grid-template-columns: 1fr; }
  .calc__inputs { border-right: none; border-bottom: 1.5px solid var(--gray-100); padding: 32px 24px; }
  .calc__results { padding: 32px 24px; }

  .footer__top { grid-template-columns: 1fr 1fr; }
  .footer__brand { grid-column: 1 / -1; }
  .footer__bottom { flex-direction: column; }

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

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

  .cta-section__trust { gap: 16px; }
}

@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .stats__grid { grid-template-columns: 1fr 1fr; }
  .footer__top { grid-template-columns: 1fr; }
  .hero__ctas { flex-direction: column; align-items: flex-start; }
  .hero__ctas .btn { width: 100%; justify-content: center; }
  .calc__term-btns { flex-wrap: wrap; }
  .calc__term-btn { min-width: calc(33.333% - 6px); }
  .cta-section__btns { flex-direction: column; align-items: center; }
  .cta-section__btns .btn { width: 100%; max-width: 320px; }
  .hero__container { gap: 32px; }
  .hero__lead-card { padding: 24px 16px; }
  .stat-row { grid-template-columns: 1fr; }
  .asset-calc__card,
  .extra-calc__card,
  .borrow-calc__card { grid-template-columns: 1fr; }
  .page-hero { padding: calc(var(--nav-h) + 40px) 0 48px; }
  .page-hero__title { font-size: clamp(1.875rem, 8vw, 2.5rem); }
}

/* ============================================================
   HERO SUPPORT LINE
   ============================================================ */
.hero__support {
  font-size: 1rem;
  font-weight: 600;
  color: var(--teal);
  margin-bottom: 36px;
  margin-top: -16px;
  animation: fadeInUp 0.6s 0.25s ease both;
}

/* ============================================================
   HERO LEAD FORM CARD
   ============================================================ */
.hero__lead-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 36px;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--gray-100);
  position: relative;
  z-index: 2;
}
.hero__lead-header {
  margin-bottom: 28px;
  padding-bottom: 20px;
  border-bottom: 1px solid var(--gray-100);
}
.hero__lead-title {
  font-size: 1.375rem;
  font-weight: 800;
  color: var(--text);
  letter-spacing: -0.03em;
  margin-bottom: 6px;
}
.hero__lead-sub {
  font-size: 0.9375rem;
  color: var(--text-muted);
}
.hero__lead-form {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.hero__lead-btn {
  margin-top: 6px;
  font-size: 1rem;
  padding: 16px 24px;
}
.hero__lead-trust {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  font-size: 0.8125rem;
  color: var(--gray-500);
  text-align: center;
  margin-top: 4px;
}
.hero__lead-trust svg { color: var(--teal); flex-shrink: 0; }

.hero__lead-success {
  text-align: center;
  padding: 24px 0;
}
.hero__lead-success-icon {
  width: 56px; height: 56px;
  background: var(--teal);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px;
}
.hero__lead-success-icon svg { width: 24px; height: 24px; color: var(--white); }
.hero__lead-success h4 { font-size: 1.25rem; font-weight: 700; color: var(--text); margin-bottom: 10px; }
.hero__lead-success p { font-size: 0.9375rem; color: var(--text-muted); line-height: 1.6; }

/* ============================================================
   FORM COMPONENTS
   ============================================================ */
.form-field {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.form-label {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--gray-700);
}
.form-input {
  width: 100%;
  padding: 12px 16px;
  font-size: 1rem;
  font-family: var(--font);
  color: var(--text);
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--form-radius);
  outline: none;
  transition: border-color 0.2s, box-shadow 0.2s;
  -webkit-appearance: none;
}
.form-input:focus {
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(10,138,138,0.12);
}
.form-input::placeholder { color: var(--gray-300); }
.form-select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='none' stroke='%237A9099' stroke-width='2' viewBox='0 0 24 24'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  background-size: 16px;
  padding-right: 40px;
  cursor: pointer;
}
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
@media (max-width: 480px) {
  .form-row { grid-template-columns: 1fr; }
}

/* ============================================================
   TRUST BAR
   ============================================================ */
.trust-bar {
  background: var(--gray-50);
  border-top: 1px solid var(--gray-100);
  border-bottom: 1px solid var(--gray-100);
  padding: 20px 0;
}
.trust-bar__grid {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  flex-wrap: wrap;
}
.trust-bar__item {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 10px 20px;
  font-size: 0.875rem;
  color: var(--gray-700);
  white-space: nowrap;
}
.trust-bar__item svg { color: var(--teal); flex-shrink: 0; }
.trust-bar__item strong { color: var(--text); }
.trust-bar__stars {
  color: var(--amber);
  font-size: 1rem;
  letter-spacing: 1px;
}
.trust-bar__sep {
  width: 1px;
  height: 32px;
  background: var(--gray-200);
  flex-shrink: 0;
}
@media (max-width: 768px) {
  .trust-bar__grid { gap: 0; }
  .trust-bar__item { padding: 8px 16px; font-size: 0.875rem; }
  .trust-bar__sep { display: none; }
}

/* ============================================================
   POSITIONING CALLOUT
   ============================================================ */
.positioning {
  background: var(--gray-900);
  padding: 100px 0;
  position: relative;
  overflow: hidden;
  text-align: center;
}
.positioning::before {
  content: '';
  position: absolute;
  top: -150px; left: 50%;
  transform: translateX(-50%);
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(10,138,138,0.12) 0%, transparent 70%);
  pointer-events: none;
}
.positioning__inner {
  position: relative;
  z-index: 1;
  max-width: 820px;
  margin: 0 auto;
  padding: 0 24px;
}
.positioning__quote {
  font-size: clamp(1.5rem, 3vw, 2.25rem);
  font-weight: 800;
  line-height: 1.3;
  letter-spacing: -0.03em;
  color: var(--white);
  margin-bottom: 28px;
}
.positioning__mark {
  color: var(--teal-light);
  font-size: 3rem;
  line-height: 0.8;
  vertical-align: -0.2em;
  font-style: italic;
  margin: 0 4px;
}
.positioning__sub {
  font-size: 1.125rem;
  line-height: 1.7;
  color: rgba(255,255,255,0.55);
  margin-bottom: 40px;
  max-width: 600px;
  margin-left: auto;
  margin-right: auto;
}

/* ============================================================
   CALCULATOR PREVIEW SECTION
   ============================================================ */
.calc-preview {
  padding: 120px 0;
  background: var(--gray-50);
}
.calc-preview__card {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  background: var(--white);
  border-radius: var(--radius-xl);
  border: 1.5px solid var(--gray-100);
  box-shadow: 0 24px 80px rgba(0,0,0,0.08);
  overflow: hidden;
  max-width: 900px;
  margin: 0 auto;
}
.calc-preview__inputs {
  padding: 48px;
  display: flex;
  flex-direction: column;
  gap: 36px;
  border-right: 1.5px solid var(--gray-100);
}
.calc-preview__field {
  display: flex;
  flex-direction: column;
  gap: 0;
}
.calc-preview__result {
  padding: 48px;
  background: var(--gray-50);
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.calc-preview__monthly-label {
  font-size: 0.8125rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: var(--gray-500);
  margin-bottom: 12px;
}
.calc-preview__monthly {
  font-size: 3.5rem;
  font-weight: 900;
  letter-spacing: -0.04em;
  color: var(--teal);
  line-height: 1;
  margin-bottom: 8px;
  transition: all 0.3s ease;
}
.calc-preview__meta {
  font-size: 0.9375rem;
  color: var(--gray-500);
  margin-bottom: 28px;
}
.calc-preview__breakdown {
  background: var(--white);
  border: 1.5px solid var(--gray-100);
  border-radius: var(--radius);
  overflow: hidden;
}
.calc-preview__breakdown-item {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 20px;
  border-bottom: 1px solid var(--gray-100);
}
.calc-preview__breakdown-item:last-child { border-bottom: none; }
.calc-preview__breakdown-label {
  font-size: 0.9375rem;
  color: var(--gray-600);
}
.calc-preview__breakdown-val {
  font-size: 1rem;
  font-weight: 700;
  color: var(--text);
  letter-spacing: -0.02em;
  transition: all 0.3s ease;
}
@media (max-width: 768px) {
  .calc-preview__card { grid-template-columns: 1fr; }
  .calc-preview__inputs { border-right: none; border-bottom: 1.5px solid var(--gray-100); padding: 32px 24px; }
  .calc-preview__result { padding: 32px 24px; }
}

/* ============================================================
   REVIEWS SECTION
   ============================================================ */
.reviews {
  padding: 120px 0;
  background: var(--white);
}
.reviews__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.review-card {
  background: var(--white);
  border: 1.5px solid var(--gray-100);
  border-radius: var(--radius-lg);
  padding: 24px;
  transition: var(--transition);
}
.review-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-3px);
  border-color: var(--teal-100);
}
.review-card__header {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 12px;
}
.review-card__avatar {
  width: 40px; height: 40px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.875rem; font-weight: 700; color: var(--white);
  flex-shrink: 0;
}
.review-card__meta { flex: 1; }
.review-card__name {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--text);
  line-height: 1.2;
}
.review-card__time {
  font-size: 0.8125rem;
  color: var(--gray-500);
  margin-top: 2px;
}
.review-card__google { flex-shrink: 0; }
.review-card__stars {
  color: var(--amber);
  font-size: 0.875rem;
  letter-spacing: 1px;
  margin-bottom: 12px;
}
.review-card__text {
  font-size: 0.9375rem;
  line-height: 1.65;
  color: var(--gray-700);
  font-style: italic;
}
@media (max-width: 900px) {
  .reviews__grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 560px) {
  .reviews__grid { grid-template-columns: 1fr; }
}

/* ============================================================
   CTA SECTION — TWO-COLUMN LAYOUT
   ============================================================ */
.cta-section {
  padding: 120px 0;
  background: linear-gradient(135deg, var(--gray-900) 0%, #081214 100%);
  position: relative;
  overflow: hidden;
}
.cta-section::before {
  content: '';
  position: absolute;
  top: -100px; left: -100px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(10,138,138,0.15) 0%, transparent 70%);
  pointer-events: none;
}
.cta-section::after {
  content: '';
  position: absolute;
  bottom: -150px; right: -50px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(245,166,35,0.06) 0%, transparent 70%);
  pointer-events: none;
}
.cta-section__inner {
  position: relative;
  z-index: 1;
  text-align: center;
}
.cta-section__inner--split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
  text-align: left;
}
.cta-section__left {}
.cta-section__eyebrow {
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--teal-light);
  margin-bottom: 20px;
  display: block;
}
.cta-section__title {
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 900;
  letter-spacing: -0.04em;
  color: var(--white);
  margin-bottom: 20px;
  line-height: 1.1;
}
.cta-section__sub {
  font-size: 1.125rem;
  color: rgba(255,255,255,0.6);
  margin-bottom: 36px;
  line-height: 1.65;
}
.cta-section__trust-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 40px;
}
.cta-section__trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.9375rem;
  color: rgba(255,255,255,0.7);
  font-weight: 500;
}
.cta-section__trust-item svg { width: 16px; height: 16px; color: var(--teal-light); flex-shrink: 0; }
.cta-section__contact {
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.cta-contact-item {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 14px 18px;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius);
  color: var(--white);
  text-decoration: none;
  transition: var(--transition);
}
.cta-contact-item:hover {
  background: rgba(255,255,255,0.1);
  border-color: rgba(10,138,138,0.4);
}
.cta-contact-item__icon {
  width: 40px; height: 40px;
  background: rgba(10,138,138,0.2);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.cta-contact-item__icon svg { width: 18px; height: 18px; color: var(--teal-light); }
.cta-contact-item__label {
  font-size: 0.8125rem;
  color: rgba(255,255,255,0.5);
  font-weight: 500;
}
.cta-contact-item__value {
  font-size: 1rem;
  font-weight: 700;
  color: var(--white);
}

.cta-section__form-wrap {}
.cta-form-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 40px;
  box-shadow: 0 32px 80px rgba(0,0,0,0.3);
}
.cta-form-card__title {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--text);
  letter-spacing: -0.03em;
  margin-bottom: 8px;
}
.cta-form-card__sub {
  font-size: 0.9375rem;
  color: var(--text-muted);
  margin-bottom: 28px;
  line-height: 1.6;
}
.cta-form {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.cta-form__trust {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  font-size: 0.8125rem;
  color: var(--gray-500);
  text-align: center;
  margin-top: 4px;
}
.cta-form__trust svg { color: var(--teal); flex-shrink: 0; }
.cta-form-success {
  text-align: center;
  padding: 40px 24px;
}
.cta-form-success__icon {
  width: 64px; height: 64px;
  background: var(--teal);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 24px;
}
.cta-form-success__icon svg { width: 28px; height: 28px; color: var(--white); }
.cta-form-success h4 { font-size: 1.5rem; font-weight: 800; color: var(--text); margin-bottom: 12px; }
.cta-form-success p { font-size: 1rem; color: var(--text-muted); line-height: 1.65; }

@media (max-width: 1024px) {
  .cta-section__inner { grid-template-columns: 1fr; gap: 48px; }
}

/* ============================================================
   BORROWING TABLE (used on how-much-can-i-borrow page)
   ============================================================ */
.borrow-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9375rem;
  border-radius: var(--radius);
  overflow: hidden;
  border: 1.5px solid var(--gray-100);
}
.borrow-table th {
  background: var(--teal);
  color: var(--white);
  padding: 14px 20px;
  text-align: left;
  font-weight: 600;
  font-size: 0.875rem;
  letter-spacing: 0.02em;
}
.borrow-table td {
  padding: 14px 20px;
  border-bottom: 1px solid var(--gray-100);
  color: var(--gray-700);
}
.borrow-table tr:last-child td { border-bottom: none; }
.borrow-table tr:nth-child(even) td { background: var(--gray-50); }
.borrow-table td strong { color: var(--text); }

/* ============================================================
   ABOUT PAGE STYLES
   ============================================================ */
.about-hero {
  padding: calc(var(--nav-h) + 80px) 0 80px;
  background: linear-gradient(160deg, var(--gray-900) 0%, #0a1a1e 100%);
  position: relative;
  overflow: hidden;
}
.about-hero::before {
  content: '';
  position: absolute;
  top: -100px; right: -100px;
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(10,138,138,0.15) 0%, transparent 70%);
  pointer-events: none;
}
.about-hero__container {
  position: relative; z-index: 1;
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 80px;
  align-items: center;
}
.about-hero__eyebrow {
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--teal-light);
  margin-bottom: 20px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.about-hero__eyebrow::before {
  content: '';
  display: block;
  width: 20px; height: 2px;
  background: var(--teal-light);
  border-radius: 2px;
}
.about-hero__title {
  font-size: clamp(2.5rem, 5vw, 3.75rem);
  font-weight: 900;
  letter-spacing: -0.04em;
  line-height: 1.05;
  color: var(--white);
  margin-bottom: 24px;
}
.about-hero__title span { color: var(--teal-light); }
.about-hero__sub {
  font-size: 1.125rem;
  line-height: 1.7;
  color: rgba(255,255,255,0.6);
  margin-bottom: 36px;
}
.about-photo-card {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-xl);
  padding: 0 0 28px;
  text-align: center;
  overflow: hidden;
}
.about-photo-img {
  width: 100%;
  aspect-ratio: 3/4;
  object-fit: cover;
  object-position: top center;
  border-radius: var(--radius-lg);
  margin-bottom: 20px;
  display: block;
}
.about-photo-name {
  font-size: 1.375rem; font-weight: 800; color: var(--white);
  letter-spacing: -0.03em; margin-bottom: 6px; padding: 0 24px;
}
.about-photo-role {
  font-size: 0.9375rem; color: var(--teal-light); font-weight: 500;
  margin-bottom: 20px; padding: 0 24px;
}
.about-photo-creds {
  display: flex; flex-direction: column; gap: 8px; padding: 0 24px;
}
.about-cred {
  display: flex; align-items: center; gap: 8px;
  font-size: 0.875rem; color: rgba(255,255,255,0.6); text-align: left;
}
.about-cred svg { width: 14px; height: 14px; color: var(--teal-light); flex-shrink: 0; }
@media (max-width: 1024px) {
  .about-hero__container { grid-template-columns: 1fr; }
  .about-photo-card { max-width: 380px; }
}

/* ============================================================
   ASSET FINANCE CALCULATOR
   ============================================================ */
.asset-calc__card {
  background: var(--white);
  border-radius: var(--radius-xl);
  border: 1.5px solid var(--gray-100);
  box-shadow: 0 24px 80px rgba(0,0,0,0.08);
  overflow: hidden;
  display: grid;
  grid-template-columns: 1fr 1fr;
}
.asset-calc__inputs {
  padding: 48px;
  border-right: 1.5px solid var(--gray-100);
  display: flex;
  flex-direction: column;
  gap: 28px;
}
.asset-calc__results {
  padding: 48px;
  background: var(--gray-50);
  display: flex;
  flex-direction: column;
  gap: 24px;
}
@media (max-width: 768px) {
  .asset-calc__card { grid-template-columns: 1fr; }
  .asset-calc__inputs { border-right: none; border-bottom: 1.5px solid var(--gray-100); padding: 32px 24px; }
  .asset-calc__results { padding: 32px 24px; }
}

/* ============================================================
   EXTRA REPAYMENTS CALCULATOR
   ============================================================ */
.extra-calc__card {
  background: var(--white);
  border-radius: var(--radius-xl);
  border: 1.5px solid var(--gray-100);
  box-shadow: 0 24px 80px rgba(0,0,0,0.08);
  overflow: hidden;
  display: grid;
  grid-template-columns: 1fr 1fr;
}
.extra-calc__inputs {
  padding: 48px;
  border-right: 1.5px solid var(--gray-100);
  display: flex;
  flex-direction: column;
  gap: 28px;
}
.extra-calc__results {
  padding: 48px;
  background: var(--gray-900);
  display: flex;
  flex-direction: column;
  gap: 24px;
  justify-content: center;
}
.extra-calc__stat {
  text-align: center;
  padding: 28px;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius-lg);
}
.extra-calc__stat-value {
  font-size: 2.5rem;
  font-weight: 900;
  letter-spacing: -0.04em;
  color: var(--teal-light);
  line-height: 1;
  margin-bottom: 8px;
  transition: all 0.4s ease;
}
.extra-calc__stat-label {
  font-size: 0.9375rem;
  color: rgba(255,255,255,0.55);
  font-weight: 500;
}
@media (max-width: 768px) {
  .extra-calc__card { grid-template-columns: 1fr; }
  .extra-calc__inputs { border-right: none; border-bottom: 1.5px solid var(--gray-100); padding: 32px 24px; }
  .extra-calc__results { padding: 32px 24px; }
}

/* ============================================================
   BORROWING CAPACITY CALCULATOR
   ============================================================ */
.borrow-calc__card {
  background: var(--white);
  border-radius: var(--radius-xl);
  border: 1.5px solid var(--gray-100);
  box-shadow: 0 24px 80px rgba(0,0,0,0.08);
  overflow: hidden;
  display: grid;
  grid-template-columns: 1fr 1fr;
}
.borrow-calc__inputs {
  padding: 48px;
  border-right: 1.5px solid var(--gray-100);
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.borrow-calc__results {
  padding: 48px;
  background: linear-gradient(160deg, var(--teal) 0%, #076565 100%);
  display: flex;
  flex-direction: column;
  gap: 24px;
  justify-content: center;
}
.borrow-calc__result-main {
  text-align: center;
}
.borrow-calc__result-label {
  font-size: 0.875rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: rgba(255,255,255,0.65);
  margin-bottom: 12px;
}
.borrow-calc__result-range {
  font-size: 2.5rem;
  font-weight: 900;
  color: var(--white);
  letter-spacing: -0.04em;
  line-height: 1;
  margin-bottom: 8px;
  transition: all 0.4s ease;
}
.borrow-calc__result-sub {
  font-size: 0.9375rem;
  color: rgba(255,255,255,0.6);
}
.borrow-calc__disclaimer {
  background: rgba(0,0,0,0.2);
  border-radius: var(--radius);
  padding: 16px 20px;
  font-size: 0.8125rem;
  color: rgba(255,255,255,0.55);
  line-height: 1.6;
}
@media (max-width: 768px) {
  .borrow-calc__card { grid-template-columns: 1fr; }
  .borrow-calc__inputs { border-right: none; border-bottom: 1.5px solid var(--gray-100); padding: 32px 24px; }
  .borrow-calc__results { padding: 32px 24px; }
}

@media (max-width: 768px) {
  .car-finance-grid { grid-template-columns: 1fr !important; gap: 40px !important; }
}

/* ============================================================
   CALCULATORS HUB PAGE
   ============================================================ */
.calc-hub-nav {
  background: var(--white);
  border-bottom: 1px solid var(--gray-100);
  padding: 0;
  position: sticky;
  top: var(--nav-h);
  z-index: 100;
}
.calc-hub-nav__inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  gap: 0;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none;
}
.calc-hub-nav__inner::-webkit-scrollbar { display: none; }
.calc-hub-nav__link {
  padding: 18px 24px;
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--gray-600);
  border-bottom: 2px solid transparent;
  transition: color 0.2s, border-color 0.2s;
  white-space: nowrap;
}
.calc-hub-nav__link:hover,
.calc-hub-nav__link.active {
  color: var(--teal);
  border-bottom-color: var(--teal);
}

/* ============================================================
   CONSTRUCTION / SMSF / COMMERCIAL PAGE STYLES
   ============================================================ */
.process-steps {
  display: flex;
  flex-direction: column;
  gap: 0;
}
.process-step {
  display: grid;
  grid-template-columns: 56px 1fr;
  gap: 24px;
  padding-bottom: 36px;
  position: relative;
}
.process-step:last-child { padding-bottom: 0; }
.process-step::before {
  content: '';
  position: absolute;
  left: 27px; top: 56px; bottom: 0;
  width: 2px;
  background: var(--teal-100);
}
.process-step:last-child::before { display: none; }
.process-step__num {
  width: 56px; height: 56px;
  background: var(--teal);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.125rem; font-weight: 900; color: var(--white);
  flex-shrink: 0; position: relative; z-index: 1;
}
.process-step__content {}
.process-step__title {
  font-size: 1.125rem; font-weight: 700; color: var(--text);
  margin-bottom: 8px; padding-top: 14px; letter-spacing: -0.02em;
}
.process-step__desc {
  font-size: 0.9375rem; line-height: 1.65; color: var(--text-muted);
}

/* ============================================================
   MOBILE & TABLET POLISH
   ============================================================ */

/* Scrollable table on small screens */
@media (max-width: 768px) {
  .borrow-table {
    display: block;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    max-width: 100%;
  }
}

/* ============================================================
   TABLET SECTION PADDING — 769px–1024px
   Bring sections down from 120px to 72px on tablets
   ============================================================ */
@media (max-width: 1024px) and (min-width: 769px) {
  .services,
  .how,
  .calculator,
  .why,
  .testimonials,
  .faq,
  .calc-preview,
  .reviews,
  .cta-section,
  .positioning { padding: 72px 0; }

  .content-section { padding: 64px 0; }

  /* Hero: remove full-height lock on tablet — content sets the height */
  .hero { min-height: auto; }
  .hero { padding: calc(var(--nav-h) + 56px) 0 64px; }

  /* Page hero: tighter on tablet */
  .page-hero { padding: calc(var(--nav-h) + 40px) 0 52px; }
  .about-hero { padding: calc(var(--nav-h) + 40px) 0 52px; }
}

/* ============================================================
   MOBILE SECTION PADDING — ≤768px
   Max 52px for sections, hero unlocked from 100svh
   ============================================================ */
@media (max-width: 768px) {
  /* Hero: remove viewport-height lock + tighten padding on mobile */
  .hero { min-height: auto; padding: calc(var(--nav-h) + 28px) 0 44px; }

  .services,
  .how,
  .calculator,
  .why,
  .testimonials,
  .faq,
  .calc-preview,
  .reviews,
  .cta-section { padding: 52px 0; }

  .positioning { padding: 48px 0; }

  .content-section { padding: 52px 0; }

  .cta-form-card { padding: 28px 24px; }

  /* How-it-works steps */
  .how__step { padding: 24px 20px; }

  /* About and page heroes */
  .about-hero { padding: calc(var(--nav-h) + 32px) 0 44px; }
  .page-hero { padding: calc(var(--nav-h) + 32px) 0 44px; }

  /* Tighten section-header gap so content starts sooner */
  .section-header { margin-bottom: 40px; }
  .section-sub { font-size: 1rem; }

  /* Positioning quote — reduce oversized text on mobile */
  .positioning__quote { font-size: 1.25rem; line-height: 1.4; }
  .positioning__mark { font-size: 1.75rem; }
  .positioning__sub { font-size: 0.9375rem; margin-bottom: 28px; }
}

/* ============================================================
   SMALL MOBILE — ≤480px
   Max 44px for sections
   ============================================================ */
@media (max-width: 480px) {
  .services,
  .how,
  .calculator,
  .why,
  .testimonials,
  .faq,
  .calc-preview,
  .reviews,
  .cta-section { padding: 44px 0; }

  .positioning { padding: 40px 0; }

  .content-section { padding: 44px 0; }

  .cta-form-card { padding: 24px 16px; }

  /* Hero and page heroes even tighter on small phones */
  .hero { padding: calc(var(--nav-h) + 16px) 0 36px; }
  .page-hero { padding: calc(var(--nav-h) + 20px) 0 36px; }
  .about-hero { padding: calc(var(--nav-h) + 20px) 0 36px; }

  /* Tighten section headers further */
  .section-header { margin-bottom: 32px; }

  /* Positioning quote — even tighter on small phones */
  .positioning__quote { font-size: 1.125rem; }
  .positioning__mark { font-size: 1.5rem; }

  /* Mobile nav: ensure menu links are tall enough to tap easily */
  .nav__mobile-link { padding: 14px 16px; min-height: 44px; display: flex; align-items: center; }

  /* Hero lead card inner form fields get full width on smallest screens */
  .hero__lead-card .form-row { grid-template-columns: 1fr; }

  /* Last service card: stack icon above text on very small screens */
  .services__grid .service-card:last-child {
    grid-template-columns: 1fr;
  }
  .services__grid .service-card:last-child .service-card__icon {
    grid-row: 1;
    margin-bottom: 16px;
  }
  .services__grid .service-card:last-child .service-card__tag { grid-row: 2; }
  .services__grid .service-card:last-child .service-card__title { grid-row: 3; }
  .services__grid .service-card:last-child .service-card__desc { grid-row: 4; }
  .services__grid .service-card:last-child .service-card__link { grid-row: 5; }
}

/* iPad-specific: how-it-works 3-col is tight at 768–1024px, switch to 1-col earlier */
@media (max-width: 900px) and (min-width: 769px) {
  .how__grid { grid-template-columns: 1fr; gap: 32px; }
  .how__grid::before { display: none; }
}

/* Prevent overflow from fixed-size elements at very narrow widths */
@media (max-width: 360px) {
  .hero__headline { font-size: 2rem; }
  .section-title { font-size: 1.625rem; }
  .container { padding: 0 14px; }
}

/* 3-card routing grid — override last-child full-width span */
.services__grid--routing { grid-template-columns: repeat(3, 1fr); }
.services__grid--routing .service-card:last-child {
  grid-column: auto;
  display: flex;
  flex-direction: column;
  background: var(--white);
  border-color: var(--gray-100);
  text-align: left;
}
.services__grid--routing .service-card:last-child .service-card__title,
.services__grid--routing .service-card:last-child .service-card__desc { text-align: left; }
@media (max-width: 768px) {
  .services__grid--routing { grid-template-columns: 1fr; }
  .services__grid--routing .service-card:last-child { grid-column: auto; }
}