/* ============================================
   fastfundslendings.com - Main Stylesheet
   Theme: White / #1f4e5d / #7ab0c2 / #f87a0a / Light Gray
   Layout: Single Column
   ============================================ */

:root {
  --c-white: #ffffff;
  --c-primary: #1f4e5d;
  --c-secondary: #7ab0c2;
  --c-accent: #f87a0a;
  --c-gray-light: #e8ecef;
  --c-gray-mid: #c4ccd1;
  --c-gray-text: #5a6770;
  --c-text: #1a2329;
  --c-bg-soft: #f7f9fa;
  --shadow-sm: 0 1px 3px rgba(31,78,93,0.08);
  --shadow-md: 0 4px 12px rgba(31,78,93,0.12);
  --shadow-lg: 0 10px 30px rgba(31,78,93,0.15);
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --font-body: 'Inter', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-heading: 'Inter', system-ui, sans-serif;
  --max-w: 1180px;
  --transition: 0.25s ease;
}

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

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

body {
  font-family: var(--font-body);
  color: var(--c-text);
  background: var(--c-white);
  line-height: 1.65;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}

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

a { color: var(--c-primary); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--c-accent); }

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  color: var(--c-primary);
  line-height: 1.25;
  font-weight: 700;
  margin-bottom: 0.6em;
}
h1 { font-size: clamp(2rem, 4vw, 2.75rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); }
h3 { font-size: clamp(1.2rem, 2.2vw, 1.5rem); }
h4 { font-size: 1.15rem; }

p { margin-bottom: 1em; color: var(--c-text); }

.container {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 20px;
}

/* ===========================
   HEADER & NAV
   =========================== */
.site-header {
  background: var(--c-white);
  border-bottom: 1px solid var(--c-gray-light);
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: var(--shadow-sm);
}

.nav-wrapper {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 0;
  gap: 20px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--c-primary);
}
.brand img { width: 36px; height: 36px; }
.brand span { font-weight: 800; letter-spacing: -0.5px; }
.brand span em { color: var(--c-accent); font-style: normal; }

.main-nav {
  display: flex;
  align-items: center;
  gap: 6px;
  flex: 1;
  justify-content: center;
}
.main-nav > li { position: relative; list-style: none; }
.main-nav > li > a {
  display: block;
  padding: 10px 14px;
  font-weight: 600;
  color: var(--c-primary);
  font-size: 0.95rem;
  border-radius: var(--radius-sm);
}
.main-nav > li > a:hover,
.main-nav > li > a.active {
  color: var(--c-accent);
  background: var(--c-bg-soft);
}

/* Dropdown */
.has-dropdown > a::after {
  content: "▾";
  margin-left: 5px;
  font-size: 0.7em;
  color: var(--c-gray-text);
}
.dropdown {
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 230px;
  background: var(--c-white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  padding: 8px;
  list-style: none;
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: all 0.2s ease;
  border: 1px solid var(--c-gray-light);
}
.has-dropdown:hover .dropdown,
.has-dropdown:focus-within .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.dropdown li { list-style: none; }
.dropdown a {
  display: block;
  padding: 10px 14px;
  font-size: 0.92rem;
  color: var(--c-text);
  border-radius: var(--radius-sm);
}
.dropdown a:hover {
  background: var(--c-bg-soft);
  color: var(--c-accent);
}

/* Large gap before apply button */
.nav-spacer { width: 80px; }

.btn-apply-nav {
  background: var(--c-accent);
  color: var(--c-white) !important;
  padding: 11px 22px !important;
  border-radius: var(--radius-sm);
  font-weight: 700 !important;
  box-shadow: 0 2px 6px rgba(248,122,10,0.3);
}
.btn-apply-nav:hover {
  background: #e06800;
  color: var(--c-white) !important;
  transform: translateY(-1px);
}

.menu-toggle {
  display: none;
  background: none;
  border: 0;
  font-size: 1.7rem;
  color: var(--c-primary);
  cursor: pointer;
  padding: 4px 10px;
}

/* ===========================
   HERO
   =========================== */
.hero {
  position: relative;
  background: linear-gradient(135deg, #1f4e5d 0%, #2a6577 100%);
  color: var(--c-white);
  padding: 70px 0 60px;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: 0; left: 0;
  width: 50%;
  height: 100%;
  background-image: var(--hero-bg);
  background-size: cover;
  background-position: center;
  opacity: 0.55;
  z-index: 0;
}
.hero::after {
  content: '';
  position: absolute;
  top: 0; left: 0;
  width: 50%;
  height: 100%;
  background: linear-gradient(90deg, rgba(31,78,93,0.55) 0%, rgba(31,78,93,0.92) 100%);
  z-index: 1;
}
.hero-inner {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1.05fr 1fr;
  gap: 50px;
  align-items: center;
}
.hero h1 {
  color: var(--c-white);
  margin-bottom: 18px;
  letter-spacing: -0.5px;
}
.hero h1 em {
  color: var(--c-accent);
  font-style: normal;
}
.hero-lead {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.92);
  margin-bottom: 26px;
  line-height: 1.6;
}
.hero-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 28px;
}
.hero-badges span {
  background: rgba(255,255,255,0.13);
  border: 1px solid rgba(255,255,255,0.25);
  padding: 7px 14px;
  border-radius: 30px;
  font-size: 0.86rem;
  font-weight: 500;
}
.hero-cta {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--c-accent);
  color: var(--c-white);
  padding: 14px 30px;
  border-radius: var(--radius-sm);
  font-weight: 700;
  font-size: 1.05rem;
  box-shadow: 0 4px 16px rgba(248,122,10,0.4);
  transition: all var(--transition);
}
.hero-cta:hover {
  background: #e06800;
  transform: translateY(-2px);
  color: var(--c-white);
}

.hero-form-card {
  background: var(--c-white);
  color: var(--c-text);
  padding: 30px 26px;
  border-radius: var(--radius-lg);
  box-shadow: 0 12px 40px rgba(0,0,0,0.18);
  position: relative;
}
.hero-form-card h3 {
  font-size: 1.25rem;
  margin-bottom: 6px;
}
.hero-form-card .form-note {
  color: var(--c-gray-text);
  font-size: 0.88rem;
  margin-bottom: 18px;
}
.hero-form-card #_lg_form_ {
  min-height: 280px;
}

/* ===========================
   BREADCRUMB
   =========================== */
.breadcrumb {
  background: var(--c-bg-soft);
  padding: 12px 0;
  border-bottom: 1px solid var(--c-gray-light);
  font-size: 0.88rem;
}
.breadcrumb ol {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  align-items: center;
}
.breadcrumb li { display: flex; align-items: center; }
.breadcrumb li + li::before {
  content: '/';
  margin: 0 8px;
  color: var(--c-gray-mid);
}
.breadcrumb a { color: var(--c-gray-text); }
.breadcrumb a:hover { color: var(--c-accent); }
.breadcrumb [aria-current="page"] { color: var(--c-primary); font-weight: 600; }

/* ===========================
   SECTIONS
   =========================== */
section { padding: 60px 0; }
section.narrow { padding: 45px 0; }

.section-head {
  text-align: center;
  max-width: 760px;
  margin: 0 auto 40px;
}
.section-head .eyebrow {
  display: inline-block;
  background: var(--c-bg-soft);
  color: var(--c-accent);
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 20px;
  margin-bottom: 14px;
}
.section-head p {
  color: var(--c-gray-text);
  font-size: 1.05rem;
}

/* Article content (single column) */
.article-body {
  max-width: 860px;
  margin: 0 auto;
}
.article-body h2 { margin-top: 1.8em; }
.article-body h3 { margin-top: 1.4em; color: var(--c-primary); }
.article-body p { margin-bottom: 1.1em; }
.article-body ul, .article-body ol { margin: 0 0 1.2em 1.4em; }
.article-body ul li, .article-body ol li { margin-bottom: 0.4em; }
.article-body blockquote {
  border-left: 4px solid var(--c-accent);
  background: var(--c-bg-soft);
  padding: 16px 20px;
  margin: 1.4em 0;
  font-style: italic;
  color: var(--c-gray-text);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
}
.article-body img.vertical-inline {
  float: right;
  width: 280px;
  height: auto;
  aspect-ratio: 2 / 3;
  object-fit: cover;
  margin: 6px 0 18px 24px;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-md);
}
.article-body img.vertical-inline.left {
  float: left;
  margin: 6px 24px 18px 0;
}

/* Clear float for major block sections */
.calculator-tool,
.amount-cards,
.loan-cards,
.blog-grid,
.compare-list,
.review-list,
.review-summary,
.related-posts,
.cta-band,
.stats-band,
.faq-list {
  clear: both;
}

/* Floated images should not exceed article-body height */
.article-body {
  overflow: visible;
}
.article-body::after {
  content: '';
  display: block;
  clear: both;
}

/* ===========================
   AMOUNT CARDS (3 per row)
   =========================== */
.amount-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin: 30px 0;
}
.amount-card {
  background: var(--c-white);
  border: 2px solid var(--c-gray-light);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
}
.amount-card:hover {
  border-color: var(--c-secondary);
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.amount-card a.card-img,
.amount-card a.card-title-link {
  text-decoration: none;
  color: inherit;
  display: block;
}
.amount-card .card-img { aspect-ratio: 3/2; overflow: hidden; }
.amount-card .card-img img {
  width: 100%; height: 100%; object-fit: cover;
  transition: transform 0.5s ease;
}
.amount-card:hover .card-img img { transform: scale(1.05); }
.amount-card .card-body { padding: 22px; flex: 1; display: flex; flex-direction: column; }
.amount-card .amount-range {
  font-size: 1.8rem; font-weight: 800; color: var(--c-primary);
  margin-bottom: 8px; letter-spacing: -0.5px;
}
.amount-card .amount-range em { color: var(--c-accent); font-style: normal; }
.amount-card h3 { font-size: 1.1rem; margin-bottom: 8px; }
.amount-card .card-body p { font-size: 0.92rem; color: var(--c-gray-text); flex: 1; }
.amount-card .card-cta {
  display: inline-block; margin-top: 14px;
  background: var(--c-primary); color: var(--c-white);
  padding: 9px 18px; border-radius: var(--radius-sm);
  font-size: 0.9rem; font-weight: 600; align-self: flex-start;
}
.amount-card .card-cta:hover { background: var(--c-accent); color: var(--c-white); }

/* ===========================
   LOAN CATEGORY CARDS
   =========================== */
.loan-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin: 20px 0;
}
.loan-card {
  background: var(--c-white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
}
.loan-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.loan-card a.card-img,
.loan-card a.card-title-link {
  display: block; color: inherit; text-decoration: none;
}
.loan-card .card-img { aspect-ratio: 3/2; overflow: hidden; }
.loan-card .card-img img {
  width: 100%; height: 100%; object-fit: cover;
  transition: transform 0.5s ease;
}
.loan-card:hover .card-img img { transform: scale(1.05); }
.loan-card .card-body { padding: 22px; flex: 1; display: flex; flex-direction: column; }
.loan-card h3 { font-size: 1.2rem; margin-bottom: 10px; }
.loan-card p { font-size: 0.93rem; color: var(--c-gray-text); flex: 1; margin-bottom: 14px; }
.loan-card .card-link {
  color: var(--c-accent); font-weight: 700; font-size: 0.92rem;
  align-self: flex-start;
}
.loan-card .card-link::after { content: ' →'; transition: margin-left 0.2s; }
.loan-card:hover .card-link::after { margin-left: 4px; }

/* ===========================
   BLOG CARDS (3 per row)
   =========================== */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 26px;
}
.blog-card {
  background: var(--c-white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
}
.blog-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.blog-card a.card-img,
.blog-card a.card-title-link {
  display: block; color: inherit; text-decoration: none;
}
.blog-card .card-img { aspect-ratio: 16/9; overflow: hidden; }
.blog-card .card-img img {
  width: 100%; height: 100%; object-fit: cover;
  transition: transform 0.5s ease;
}
.blog-card:hover .card-img img { transform: scale(1.05); }
.blog-card .card-body { padding: 22px; display: flex; flex-direction: column; flex: 1; }
.blog-card .meta {
  font-size: 0.78rem;
  color: var(--c-gray-text);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 8px;
}
.blog-card h3 { font-size: 1.12rem; margin-bottom: 10px; line-height: 1.35; }
.blog-card .excerpt { font-size: 0.92rem; color: var(--c-gray-text); flex: 1; }
.blog-card .read-more {
  margin-top: 12px;
  color: var(--c-accent);
  font-weight: 700;
  font-size: 0.88rem;
}

/* ===========================
   COMPARE TABLE
   =========================== */
.compare-list {
  display: flex;
  flex-direction: column;
  gap: 18px;
  margin: 30px 0;
}
.compare-item {
  background: var(--c-white);
  border: 1px solid var(--c-gray-light);
  border-radius: var(--radius-md);
  padding: 22px 24px;
  display: grid;
  grid-template-columns: 200px 1fr;
  gap: 26px;
  transition: all var(--transition);
}
.compare-item:hover { box-shadow: var(--shadow-md); border-color: var(--c-secondary); }
.compare-brand {
  border-right: 1px solid var(--c-gray-light);
  padding-right: 24px;
}
.compare-brand .brand-mark {
  width: 56px; height: 56px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--c-primary), var(--c-secondary));
  color: var(--c-white);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem; font-weight: 800;
  margin-bottom: 10px;
}
.compare-brand h3 { font-size: 1.05rem; margin-bottom: 4px; }
.compare-brand .brand-loc {
  font-size: 0.8rem; color: var(--c-gray-text);
}
.compare-brand .stars { color: var(--c-accent); font-size: 0.95rem; margin-top: 6px; }
.compare-body p { font-size: 0.92rem; margin-bottom: 10px; color: var(--c-text); }
.compare-specs {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
  margin-top: 12px;
  padding-top: 12px;
  border-top: 1px dashed var(--c-gray-light);
}
.compare-specs div {
  font-size: 0.83rem;
}
.compare-specs strong { display: block; color: var(--c-primary); font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 2px; }

/* ===========================
   REVIEW
   =========================== */
.review-summary {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: 40px;
  background: var(--c-bg-soft);
  border-radius: var(--radius-lg);
  padding: 36px;
  margin: 20px 0 40px;
  align-items: center;
}
.review-summary .rating-big {
  text-align: center;
  border-right: 1px solid var(--c-gray-light);
  padding-right: 24px;
}
.review-summary .rating-big .num {
  font-size: 4rem; font-weight: 800; color: var(--c-primary); line-height: 1;
}
.review-summary .rating-big .stars {
  color: var(--c-accent);
  font-size: 1.5rem;
  margin: 8px 0;
}
.review-summary .rating-big .total {
  font-size: 0.92rem; color: var(--c-gray-text);
}
.rating-bars { display: flex; flex-direction: column; gap: 8px; }
.rating-bar {
  display: grid;
  grid-template-columns: 50px 1fr 60px;
  gap: 12px;
  align-items: center;
  font-size: 0.88rem;
}
.bar-track {
  height: 8px;
  background: var(--c-gray-light);
  border-radius: 4px;
  overflow: hidden;
}
.bar-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--c-secondary), var(--c-accent));
  border-radius: 4px;
}

.review-list {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 22px;
  margin: 30px 0;
}
.review-card {
  background: var(--c-white);
  border: 1px solid var(--c-gray-light);
  border-radius: var(--radius-md);
  padding: 22px;
  transition: all var(--transition);
}
.review-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}
.review-card .review-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 10px;
}
.review-card .author-name { font-weight: 700; color: var(--c-primary); }
.review-card .stars { color: var(--c-accent); }
.review-card .review-date { font-size: 0.82rem; color: var(--c-gray-text); margin-bottom: 12px; }
.review-card p { font-size: 0.94rem; color: var(--c-text); margin-bottom: 0; }

/* ===========================
   CALCULATOR
   =========================== */
.calculator-tool {
  background: var(--c-white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  padding: 30px;
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 30px;
  margin: 20px 0 40px;
}
.calc-inputs label {
  display: block;
  font-weight: 600;
  color: var(--c-primary);
  margin: 16px 0 8px;
  font-size: 0.95rem;
}
.calc-inputs label:first-child { margin-top: 0; }
.calc-inputs input[type=range] {
  width: 100%;
  accent-color: var(--c-accent);
}
.calc-inputs .calc-value {
  display: inline-block;
  background: var(--c-bg-soft);
  color: var(--c-primary);
  font-weight: 700;
  padding: 4px 12px;
  border-radius: 20px;
  margin-left: 8px;
  font-size: 0.92rem;
}
.calc-result {
  background: linear-gradient(135deg, var(--c-primary), #2a6577);
  color: var(--c-white);
  border-radius: var(--radius-md);
  padding: 26px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.calc-result h4 { color: var(--c-white); font-size: 0.9rem; text-transform: uppercase; letter-spacing: 1px; opacity: 0.85; }
.calc-result .res-monthly {
  font-size: 2.6rem; font-weight: 800; color: var(--c-accent);
  margin: 10px 0;
  letter-spacing: -1px;
}
.calc-result .res-breakdown {
  border-top: 1px solid rgba(255,255,255,0.2);
  padding-top: 14px;
  font-size: 0.92rem;
  display: grid;
  gap: 6px;
}
.calc-result .res-breakdown div {
  display: flex; justify-content: space-between;
}
.calc-result .res-breakdown strong { color: var(--c-accent); }

/* ===========================
   FAQ ACCORDION
   =========================== */
.faq-list {
  max-width: 860px;
  margin: 0 auto;
}
.faq-item {
  background: var(--c-white);
  border: 1px solid var(--c-gray-light);
  border-radius: var(--radius-md);
  margin-bottom: 12px;
  overflow: hidden;
  transition: all var(--transition);
}
.faq-item summary {
  padding: 18px 22px;
  font-weight: 600;
  color: var(--c-primary);
  cursor: pointer;
  list-style: none;
  position: relative;
  padding-right: 50px;
  font-size: 1rem;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+';
  position: absolute;
  right: 22px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 1.5rem;
  color: var(--c-accent);
  font-weight: 400;
  transition: transform 0.3s;
}
.faq-item[open] summary::after { content: '−'; }
.faq-item[open] { box-shadow: var(--shadow-sm); }
.faq-item .faq-answer {
  padding: 0 22px 20px;
  color: var(--c-text);
  font-size: 0.96rem;
  line-height: 1.7;
}

/* ===========================
   CTA SECTION
   =========================== */
.cta-band {
  background: linear-gradient(135deg, var(--c-primary), #2a6577);
  color: var(--c-white);
  padding: 60px 0;
  text-align: center;
}
.cta-band h2 {
  color: var(--c-white);
  font-size: clamp(1.6rem, 3.5vw, 2.3rem);
  margin-bottom: 12px;
}
.cta-band p {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.92);
  margin-bottom: 24px;
  max-width: 640px;
  margin-left: auto;
  margin-right: auto;
}
.cta-band .hero-cta { display: inline-flex; }

/* ===========================
   FOOTER
   =========================== */
.site-footer {
  background: #14323d;
  color: rgba(255,255,255,0.78);
  padding: 50px 0 0;
  font-size: 0.92rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 36px;
  padding-bottom: 40px;
}
.footer-grid h4 {
  color: var(--c-white);
  font-size: 1rem;
  margin-bottom: 14px;
  text-transform: uppercase;
  letter-spacing: 0.8px;
}
.footer-grid ul { list-style: none; }
.footer-grid ul li { margin-bottom: 8px; }
.footer-grid a { color: rgba(255,255,255,0.78); }
.footer-grid a:hover { color: var(--c-accent); }
.footer-brand img { width: 40px; margin-bottom: 12px; }
.footer-brand p { color: rgba(255,255,255,0.7); font-size: 0.9rem; margin-bottom: 10px; }
.footer-contact { font-size: 0.88rem; line-height: 1.7; }
.footer-contact strong { color: var(--c-white); display: block; margin-top: 6px; }

.footer-disclosure {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 24px 0;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.55);
  line-height: 1.65;
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 18px 0;
  text-align: center;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.55);
}

/* ===========================
   SCROLL TO TOP
   =========================== */
.scroll-top {
  position: fixed;
  right: 24px;
  bottom: 24px;
  width: 46px;
  height: 46px;
  background: var(--c-accent);
  color: var(--c-white);
  border: none;
  border-radius: 50%;
  font-size: 1.3rem;
  cursor: pointer;
  box-shadow: var(--shadow-md);
  opacity: 0;
  transform: translateY(20px);
  pointer-events: none;
  transition: all 0.3s;
  z-index: 999;
}
.scroll-top.visible {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}
.scroll-top:hover { background: #e06800; }

/* ===========================
   STATS / TRUST
   =========================== */
.stats-band {
  background: var(--c-bg-soft);
  padding: 40px 0;
  text-align: center;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 30px;
}
.stat-item .num {
  font-size: 2.4rem; font-weight: 800; color: var(--c-accent); display: block;
  letter-spacing: -1px;
}
.stat-item .label {
  font-size: 0.92rem;
  color: var(--c-gray-text);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  font-weight: 600;
}

/* ===========================
   AUTHOR BOX
   =========================== */
.author-box {
  display: flex;
  align-items: center;
  gap: 18px;
  background: var(--c-bg-soft);
  border-left: 4px solid var(--c-accent);
  padding: 18px 22px;
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  margin: 30px 0;
}
.author-box .author-icon {
  width: 56px; height: 56px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--c-primary), var(--c-secondary));
  color: var(--c-white);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem; font-weight: 800;
  flex-shrink: 0;
}
.author-box .author-info strong { display: block; color: var(--c-primary); font-size: 1rem; }
.author-box .author-info span { font-size: 0.85rem; color: var(--c-gray-text); }

.social-share {
  display: flex; gap: 10px;
  margin: 24px 0;
}
.social-share a {
  width: 40px; height: 40px;
  background: var(--c-bg-soft);
  color: var(--c-primary);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  transition: all var(--transition);
  font-weight: 700;
  font-size: 0.95rem;
}
.social-share a:hover { background: var(--c-accent); color: var(--c-white); transform: translateY(-2px); }

.related-posts {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
  margin: 30px 0;
}

/* ===========================
   RESPONSIVE
   =========================== */
@media (max-width: 900px) {
  .menu-toggle { display: block; }
  .main-nav {
    position: absolute;
    top: 100%; left: 0; right: 0;
    flex-direction: column;
    background: var(--c-white);
    box-shadow: var(--shadow-md);
    padding: 12px;
    gap: 4px;
    display: none;
    border-top: 1px solid var(--c-gray-light);
    align-items: stretch;
  }
  .main-nav.open { display: flex; }
  .main-nav > li { width: 100%; }
  .main-nav > li > a { padding: 12px 16px; }
  .dropdown {
    position: static;
    box-shadow: none;
    opacity: 1;
    visibility: visible;
    transform: none;
    padding: 4px 0 4px 16px;
    border: none;
    background: var(--c-bg-soft);
    border-radius: var(--radius-sm);
    margin-top: 4px;
    display: none;
  }
  .has-dropdown.mobile-open .dropdown { display: block; }
  .nav-spacer { display: none; }
  .btn-apply-nav { margin-top: 8px; text-align: center; }

  .hero { padding: 40px 0 50px; }
  .hero-inner { grid-template-columns: 1fr; gap: 30px; }
  .hero::before { width: 100%; opacity: 0.22; }
  .hero::after { width: 100%; background: linear-gradient(180deg, rgba(31,78,93,0.65) 0%, rgba(31,78,93,0.92) 100%); }

  .amount-cards, .loan-cards, .blog-grid { grid-template-columns: 1fr; }
  .compare-item { grid-template-columns: 1fr; gap: 16px; }
  .compare-brand { border-right: none; border-bottom: 1px solid var(--c-gray-light); padding: 0 0 16px; }
  .compare-specs { grid-template-columns: repeat(2, 1fr); }
  .review-summary { grid-template-columns: 1fr; gap: 20px; }
  .review-summary .rating-big { border-right: none; border-bottom: 1px solid var(--c-gray-light); padding: 0 0 18px; }
  .review-list { grid-template-columns: 1fr; }
  .calculator-tool { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 22px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 28px; }
  .article-body img.vertical-inline,
  .article-body img.vertical-inline.left {
    float: none;
    width: 100%;
    max-width: 360px;
    margin: 18px auto;
    display: block;
  }
  .related-posts { grid-template-columns: 1fr; }
}

@media (max-width: 540px) {
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero-form-card { padding: 22px 18px; }
  section { padding: 45px 0; }
}

/* === Skip to content link (accessibility) === */
.skip-to-content {
  position: absolute;
  top: -40px;
  left: 0;
  background: var(--c-primary);
  color: #fff;
  padding: 10px 16px;
  z-index: 9999;
  font-weight: 700;
  text-decoration: none;
  transition: top 0.2s ease;
  border-radius: 0 0 6px 0;
}
.skip-to-content:focus {
  top: 0;
}

/* === Sitemap list styling === */
.sitemap-list {
  list-style: none;
  padding: 0;
  margin: 14px 0 28px;
}
.sitemap-list li {
  padding: 8px 0;
  border-bottom: 1px solid var(--c-gray-light);
}
.sitemap-list li:last-child {
  border-bottom: none;
}
.sitemap-list a {
  color: var(--c-primary);
  text-decoration: none;
  font-weight: 600;
}
.sitemap-list a:hover {
  color: var(--c-accent);
  text-decoration: underline;
}

/* Smaller hero variant */
.hero-small {
  min-height: 280px;
}
.hero-inner-narrow {
  grid-template-columns: 1fr !important;
  max-width: 800px;
}