/* ================================================
   NH CASH NOW — Global Styles
   Colors: #ffffff #11475a #499a9d #dfd5c5
   Layout: 1 Column + Sidebar
================================================ */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&family=Outfit:wght@400;500;600;700;800;900&display=swap');

:root {
  --white: #ffffff;
  --primary: #11475a;
  --secondary: #499a9d;
  --cream: #dfd5c5;
  --dark: #0a2f3d;
  --light-bg: #f8f7f4;
  --light-teal: #e8f4f5;
  --text: #2d3748;
  --text-light: #64748b;
  --border: #e2e8f0;
  --shadow-sm: 0 1px 3px rgba(17,71,90,0.08);
  --shadow-md: 0 4px 14px rgba(17,71,90,0.1);
  --shadow-lg: 0 10px 40px rgba(17,71,90,0.12);
  --shadow-xl: 0 20px 60px rgba(17,71,90,0.15);
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --radius-xl: 28px;
  --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --max-width: 1280px;
  --content-width: 860px;
  --sidebar-width: 340px;
}

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

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

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  color: var(--text);
  line-height: 1.7;
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

h1, h2, h3, h4, h5, h6 {
  font-family: 'Outfit', 'Inter', sans-serif;
  color: var(--primary);
  line-height: 1.3;
}

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

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

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

/* ============ ANIMATIONS ============ */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(30px); }
  to { opacity: 1; transform: translateY(0); }
}
@keyframes fadeInLeft {
  from { opacity: 0; transform: translateX(-30px); }
  to { opacity: 1; transform: translateX(0); }
}
@keyframes fadeInRight {
  from { opacity: 0; transform: translateX(30px); }
  to { opacity: 1; transform: translateX(0); }
}
@keyframes scaleIn {
  from { opacity: 0; transform: scale(0.9); }
  to { opacity: 1; transform: scale(1); }
}
@keyframes float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}
@keyframes shimmer {
  0% { background-position: -200% 0; }
  100% { background-position: 200% 0; }
}
@keyframes pulse {
  0%, 100% { transform: scale(1); }
  50% { transform: scale(1.05); }
}
@keyframes slideDown {
  from { opacity: 0; transform: translateY(-10px); }
  to { opacity: 1; transform: translateY(0); }
}
@keyframes countUp {
  from { opacity: 0; transform: translateY(10px); }
  to { opacity: 1; transform: translateY(0); }
}
@keyframes gradientShift {
  0% { background-position: 0% 50%; }
  50% { background-position: 100% 50%; }
  100% { background-position: 0% 50%; }
}

.animate-on-scroll {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.animate-on-scroll.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ============ NAVIGATION ============ */
.nav-wrapper {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.92);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(17,71,90,0.06);
  transition: var(--transition);
}
.nav-wrapper.scrolled {
  box-shadow: var(--shadow-md);
}

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

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  font-size: 1.35rem;
  color: var(--primary);
  text-decoration: none;
}
.nav-logo img {
  width: 36px;
  height: 36px;
  border-radius: 8px;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
  list-style: none;
}

.nav-links > li { position: relative; }

.nav-links a {
  display: flex;
  align-items: center;
  gap: 4px;
  padding: 8px 16px;
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--text);
  border-radius: var(--radius-sm);
  transition: var(--transition);
}
.nav-links a:hover,
.nav-links a.active {
  color: var(--secondary);
  background: var(--light-teal);
}

/* Dropdown */
.nav-dropdown {
  position: relative;
}
.nav-dropdown .dropdown-toggle::after {
  content: '';
  width: 0;
  height: 0;
  border-left: 4px solid transparent;
  border-right: 4px solid transparent;
  border-top: 5px solid currentColor;
  transition: var(--transition);
}
.nav-dropdown:hover .dropdown-toggle::after {
  transform: rotate(180deg);
}

.dropdown-menu {
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 240px;
  background: var(--white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--border);
  padding: 8px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: var(--transition);
  z-index: 100;
}
.nav-dropdown:hover .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.dropdown-menu a {
  display: block;
  padding: 10px 14px;
  border-radius: var(--radius-sm);
  font-size: 0.88rem;
  color: var(--text);
}
.dropdown-menu a:hover {
  background: var(--light-teal);
  color: var(--secondary);
}
.dropdown-menu a .dm-icon {
  display: inline-block;
  margin-right: 8px;
  font-size: 1.1rem;
  vertical-align: middle;
}

.nav-cta {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 10px 24px;
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  color: var(--white) !important;
  border-radius: 50px;
  font-weight: 600;
  font-size: 0.9rem;
  box-shadow: 0 4px 15px rgba(17,71,90,0.3);
  transition: var(--transition);
}
.nav-cta:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(17,71,90,0.4);
  color: var(--white) !important;
}

/* Hamburger */
.nav-hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 5px;
  background: none;
  border: none;
}
.nav-hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--primary);
  border-radius: 2px;
  transition: var(--transition);
}

/* ============ BREADCRUMB ============ */
.breadcrumb {
  padding: 12px 0;
  font-size: 0.85rem;
  color: var(--text-light);
}
.breadcrumb a { color: var(--secondary); }
.breadcrumb a:hover { text-decoration: underline; }
.breadcrumb span.sep { margin: 0 8px; opacity: 0.4; }

/* ============ HERO SECTIONS ============ */
.hero {
  position: relative;
  min-height: 600px;
  display: flex;
  align-items: center;
  overflow: hidden;
  margin-top: 72px;
}
.hero-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}
.hero-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 30%;
}
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(17,71,90,0.88) 0%, rgba(73,154,157,0.65) 100%);
  z-index: 1;
}
.hero-content {
  position: relative;
  z-index: 2;
  max-width: 680px;
  padding: 80px 0;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,0.15);
  backdrop-filter: blur(10px);
  padding: 6px 16px;
  border-radius: 50px;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--cream);
  margin-bottom: 20px;
  border: 1px solid rgba(255,255,255,0.2);
}
.hero h1 {
  font-size: 3.2rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 20px;
  line-height: 1.15;
}
.hero h1 .highlight {
  background: linear-gradient(135deg, var(--cream), #fff);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.hero p {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.88);
  margin-bottom: 32px;
  line-height: 1.8;
}
.hero-stats {
  display: flex;
  gap: 40px;
  margin-top: 40px;
}
.hero-stat {
  text-align: center;
}
.hero-stat .number {
  font-size: 2rem;
  font-weight: 800;
  color: var(--cream);
  display: block;
  font-family: 'Outfit', 'Inter', sans-serif;
}
.hero-stat .label {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.7);
  margin-top: 2px;
}

/* Page hero (smaller) */
.page-hero {
  min-height: 380px;
  padding: 60px 0;
}
.page-hero .hero-content {
  padding: 40px 0;
}
.page-hero h1 { font-size: 2.5rem; }

/* ============ BUTTONS ============ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: 50px;
  font-weight: 600;
  font-size: 0.95rem;
  cursor: pointer;
  border: none;
  transition: var(--transition);
  text-decoration: none;
}
.btn-primary {
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  color: var(--white);
  box-shadow: 0 4px 15px rgba(17,71,90,0.3);
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 25px rgba(17,71,90,0.4);
  color: var(--white);
}
.btn-secondary {
  background: var(--white);
  color: var(--primary);
  border: 2px solid var(--primary);
}
.btn-secondary:hover {
  background: var(--primary);
  color: var(--white);
}
.btn-cream {
  background: var(--cream);
  color: var(--primary);
}
.btn-cream:hover {
  background: var(--primary);
  color: var(--white);
}
.btn-ghost {
  background: rgba(255,255,255,0.15);
  color: var(--white);
  border: 1px solid rgba(255,255,255,0.3);
  backdrop-filter: blur(4px);
}
.btn-ghost:hover {
  background: var(--white);
  color: var(--primary);
}

/* ============ LAYOUT: 1 Col + Sidebar ============ */
.page-layout {
  display: grid;
  grid-template-columns: 1fr var(--sidebar-width);
  gap: 48px;
  padding: 60px 0;
}
.main-content { min-width: 0; }

/* ============ SIDEBAR ============ */
.sidebar { position: relative; }
.sidebar-sticky {
  position: sticky;
  top: 96px;
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.sidebar-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}
.sidebar-card:hover {
  box-shadow: var(--shadow-md);
}
.sidebar-card h3 {
  font-size: 1.1rem;
  margin-bottom: 16px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--light-teal);
}
.sidebar-card .quick-link {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 0;
  font-size: 0.9rem;
  color: var(--text);
  border-bottom: 1px solid var(--border);
  transition: var(--transition);
}
.sidebar-card .quick-link:last-child { border-bottom: none; }
.sidebar-card .quick-link:hover { color: var(--secondary); padding-left: 6px; }
.sidebar-card .quick-link .ql-icon {
  width: 32px;
  height: 32px;
  border-radius: 8px;
  background: var(--light-teal);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  flex-shrink: 0;
}

.sidebar-cta-card {
  background: linear-gradient(135deg, var(--primary), var(--dark));
  color: var(--white);
  border: none;
}
.sidebar-cta-card h3 {
  color: var(--cream);
  border-bottom-color: rgba(255,255,255,0.15);
}
.sidebar-cta-card p {
  color: rgba(255,255,255,0.8);
  font-size: 0.9rem;
  margin-bottom: 16px;
}
.sidebar-cta-card .btn {
  width: 100%;
  background: var(--cream);
  color: var(--primary);
}
.sidebar-cta-card .btn:hover {
  background: var(--white);
}

/* ============ SECTIONS ============ */
.section { padding: 80px 0; }
.section-alt { background: var(--light-bg); }
.section-teal { background: var(--light-teal); }
.section-dark {
  background: linear-gradient(135deg, var(--primary) 0%, var(--dark) 100%);
  color: var(--white);
}
.section-dark h2, .section-dark h3 { color: var(--white); }
.section-dark p { color: rgba(255,255,255,0.85); }

.section-header {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 48px;
}
.section-label {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 2px;
  color: var(--secondary);
  margin-bottom: 12px;
  padding: 4px 12px;
  background: var(--light-teal);
  border-radius: 4px;
}
.section-header h2 {
  font-size: 2.4rem;
  margin-bottom: 16px;
}
.section-header p {
  font-size: 1.05rem;
  color: var(--text-light);
}

/* ============ CARDS ============ */
.card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  transition: var(--transition);
}
.card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}
.card-img {
  position: relative;
  overflow: hidden;
  aspect-ratio: 16/9;
}
.card-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.5s ease;
}
.card:hover .card-img img {
  transform: scale(1.05);
}
.card-body { padding: 24px; }
.card-body h3 {
  font-size: 1.15rem;
  margin-bottom: 10px;
}
.card-body p {
  font-size: 0.9rem;
  color: var(--text-light);
  line-height: 1.6;
}

/* ============ BLOG CARDS ============ */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.blog-card .card-meta {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 0.82rem;
  color: var(--text-light);
  margin-bottom: 10px;
}
.blog-card .card-meta .author {
  font-weight: 600;
  color: var(--primary);
}
.blog-card .card-tag {
  display: inline-block;
  padding: 3px 10px;
  background: var(--light-teal);
  color: var(--secondary);
  border-radius: 4px;
  font-size: 0.75rem;
  font-weight: 600;
  margin-bottom: 8px;
}
.blog-card .read-more {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--secondary);
  margin-top: 12px;
}
.blog-card .read-more:hover { gap: 8px; }

/* ============ REVIEW STARS ============ */
.stars { color: #f59e0b; letter-spacing: 2px; }
.stars-lg { font-size: 1.5rem; }

/* ============ FORM ZONE ============ */
.form-zone {
  background: var(--light-bg);
  border-radius: var(--radius-xl);
  padding: 48px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-md);
}
.form-zone h2 { margin-bottom: 8px; text-align: center; }
.form-zone .form-subtitle {
  text-align: center;
  color: var(--text-light);
  margin-bottom: 24px;
}

/* ============ CTA BANNER ============ */
.cta-banner {
  background: linear-gradient(135deg, var(--primary) 0%, var(--secondary) 100%);
  border-radius: var(--radius-xl);
  padding: 60px 48px;
  display: flex;
  align-items: center;
  gap: 48px;
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 400px;
  height: 400px;
  background: rgba(255,255,255,0.05);
  border-radius: 50%;
}
.cta-banner::after {
  content: '';
  position: absolute;
  bottom: -30%;
  left: -10%;
  width: 300px;
  height: 300px;
  background: rgba(255,255,255,0.03);
  border-radius: 50%;
}
.cta-banner-content { flex: 1; position: relative; z-index: 1; }
.cta-banner h2 { color: var(--white); font-size: 2rem; margin-bottom: 12px; }
.cta-banner p { color: rgba(255,255,255,0.85); font-size: 1.05rem; margin-bottom: 24px; }
.cta-banner-img {
  width: 280px;
  flex-shrink: 0;
  position: relative;
  z-index: 1;
}
.cta-banner-img img {
  border-radius: var(--radius-lg);
  box-shadow: 0 10px 40px rgba(0,0,0,0.3);
}

/* ============ FOOTER ============ */
.footer {
  background: var(--dark);
  color: rgba(255,255,255,0.7);
  padding: 60px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr repeat(3, 1fr);
  gap: 48px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-brand .nav-logo { color: var(--white); margin-bottom: 16px; }
.footer-brand p { font-size: 0.9rem; line-height: 1.7; margin-bottom: 16px; }
.footer-brand .footer-contact {
  font-size: 0.85rem;
  line-height: 1.8;
}
.footer h4 {
  color: var(--cream);
  font-family: 'Inter', sans-serif;
  font-size: 0.85rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  margin-bottom: 20px;
}
.footer-links {
  list-style: none;
}
.footer-links li { margin-bottom: 10px; }
.footer-links a {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.6);
  transition: var(--transition);
}
.footer-links a:hover { color: var(--cream); padding-left: 4px; }

.footer-bottom {
  padding: 24px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.82rem;
}

.footer-disclosure {
  padding: 30px 0;
  border-top: 1px solid rgba(255,255,255,0.08);
  font-size: 0.78rem;
  line-height: 1.8;
  color: rgba(255,255,255,0.45);
}
.footer-disclosure h5 {
  color: rgba(255,255,255,0.55);
  font-family: 'Inter', sans-serif;
  font-size: 0.78rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 8px;
}

/* ============ SCROLL TO TOP ============ */
.scroll-top {
  position: fixed;
  bottom: 30px;
  right: 30px;
  width: 48px;
  height: 48px;
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  color: var(--white);
  border: none;
  border-radius: 50%;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  box-shadow: var(--shadow-lg);
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: var(--transition);
  z-index: 999;
}
.scroll-top.visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.scroll-top:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-xl);
}

/* ============ STEP CARDS ============ */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  position: relative;
}
.steps-grid::before {
  content: '';
  position: absolute;
  top: 80px;
  left: 15%;
  right: 15%;
  height: 2px;
  background: linear-gradient(90deg, var(--secondary), var(--cream));
  z-index: 0;
}
.step-card {
  text-align: center;
  position: relative;
  z-index: 1;
}
.step-number {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  font-weight: 800;
  margin: 0 auto 20px;
  box-shadow: 0 4px 15px rgba(17,71,90,0.3);
}
.step-card img {
  width: 100%;
  border-radius: var(--radius-md);
  margin-bottom: 20px;
  box-shadow: var(--shadow-md);
}
.step-card h3 { font-size: 1.1rem; margin-bottom: 8px; }
.step-card p { font-size: 0.9rem; color: var(--text-light); }

/* ============ FEATURE/BENEFIT CARDS ============ */
.features-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
}
.feature-card {
  display: flex;
  gap: 20px;
  padding: 28px;
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  transition: var(--transition);
}
.feature-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--secondary);
}
.feature-icon {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-md);
  background: var(--light-teal);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  flex-shrink: 0;
}
.feature-card h3 { font-size: 1.05rem; margin-bottom: 6px; }
.feature-card p { font-size: 0.88rem; color: var(--text-light); }

/* ============ COUNTER / STATS ============ */
.stats-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
}
.stat-item {
  text-align: center;
  padding: 32px 20px;
  background: rgba(255,255,255,0.08);
  border-radius: var(--radius-lg);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,0.1);
}
.stat-item .stat-number {
  font-size: 2.5rem;
  font-weight: 800;
  font-family: 'Outfit', 'Inter', sans-serif;
  color: var(--cream);
  display: block;
}
.stat-item .stat-label {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.7);
  margin-top: 4px;
}

/* ============ TABLES ============ */
.data-table {
  width: 100%;
  border-collapse: collapse;
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.data-table thead th {
  background: var(--primary);
  color: var(--white);
  padding: 14px 18px;
  text-align: left;
  font-family: 'Inter', sans-serif;
  font-size: 0.85rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.data-table tbody td {
  padding: 14px 18px;
  font-size: 0.9rem;
  border-bottom: 1px solid var(--border);
}
.data-table tbody tr:hover {
  background: var(--light-teal);
}
.data-table tbody tr:last-child td { border-bottom: none; }

/* ============ CALCULATOR ============ */
.calc-container {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 40px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-md);
}
.calc-row {
  margin-bottom: 28px;
}
.calc-label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 10px;
  font-weight: 500;
  font-size: 0.92rem;
}
.calc-value {
  font-weight: 700;
  color: var(--primary);
  font-size: 1rem;
}
input[type="range"] {
  -webkit-appearance: none;
  width: 100%;
  height: 8px;
  border-radius: 4px;
  background: linear-gradient(to right, var(--secondary) 0%, var(--cream) 100%);
  outline: none;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--primary);
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(17,71,90,0.3);
}
.calc-result {
  background: linear-gradient(135deg, var(--primary), var(--dark));
  color: var(--white);
  padding: 32px;
  border-radius: var(--radius-lg);
  text-align: center;
  margin-top: 24px;
}
.calc-result .result-amount {
  font-size: 3rem;
  font-weight: 800;
  font-family: 'Outfit', 'Inter', sans-serif;
  color: var(--cream);
}
.calc-result .result-label {
  font-size: 0.88rem;
  opacity: 0.8;
}

/* ============ REVIEWS ============ */
.review-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 28px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}
.review-card:hover { box-shadow: var(--shadow-md); }
.review-card .review-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 16px;
}
.review-card .reviewer-name {
  font-weight: 700;
  color: var(--primary);
  font-size: 1rem;
}
.review-card .review-date {
  font-size: 0.8rem;
  color: var(--text-light);
}
.review-card .review-text {
  font-size: 0.92rem;
  color: var(--text);
  line-height: 1.7;
  font-style: italic;
}
.review-card .verified {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 0.78rem;
  color: #22c55e;
  font-weight: 600;
  margin-top: 12px;
}

/* ============ ALTERNATIVE TABLE ============ */
.alt-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  padding: 24px;
  margin-bottom: 16px;
  display: grid;
  grid-template-columns: 180px 1fr auto;
  gap: 24px;
  align-items: center;
  transition: var(--transition);
}
.alt-card:hover { box-shadow: var(--shadow-md); }
.alt-card .alt-name {
  font-weight: 700;
  color: var(--primary);
  font-size: 1.05rem;
}
.alt-card .alt-details {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  font-size: 0.88rem;
}
.alt-card .alt-detail-label {
  font-size: 0.75rem;
  color: var(--text-light);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.alt-card .alt-detail-value {
  font-weight: 600;
  color: var(--primary);
}

/* ============ BLOG POST SINGLE ============ */
.article-content {
  font-size: 1.05rem;
  line-height: 1.9;
}
.article-content h2 {
  font-size: 1.8rem;
  margin: 40px 0 16px;
}
.article-content h3 {
  font-size: 1.4rem;
  margin: 32px 0 12px;
}
.article-content p {
  margin-bottom: 20px;
}
.article-content img {
  border-radius: var(--radius-md);
  margin: 32px 0;
  box-shadow: var(--shadow-md);
}
.article-content blockquote {
  border-left: 4px solid var(--secondary);
  padding: 20px 24px;
  margin: 28px 0;
  background: var(--light-teal);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  font-style: italic;
  color: var(--primary);
}
.article-content ul, .article-content ol {
  padding-left: 24px;
  margin-bottom: 20px;
}
.article-content li { margin-bottom: 8px; }

.article-author {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 24px;
  background: var(--light-bg);
  border-radius: var(--radius-lg);
  margin: 40px 0;
}
.author-avatar {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-weight: 700;
  font-size: 1.2rem;
  flex-shrink: 0;
}
.author-info .author-name {
  font-weight: 700;
  color: var(--primary);
}
.author-info .author-role {
  font-size: 0.85rem;
  color: var(--text-light);
}

.social-share {
  display: flex;
  gap: 10px;
  margin: 24px 0;
}
.social-btn {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  border: 1px solid var(--border);
  color: var(--text-light);
  transition: var(--transition);
  cursor: pointer;
  background: none;
}
.social-btn:hover {
  background: var(--primary);
  color: var(--white);
  border-color: var(--primary);
}

.related-posts {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  margin-top: 24px;
}

/* ============ LOAN CATEGORY CARDS ============ */
.loan-cat-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.loan-cat-card {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  min-height: 240px;
  display: flex;
  align-items: flex-end;
}
.loan-cat-card img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.5s ease;
}
.loan-cat-card:hover img { transform: scale(1.08); }
.loan-cat-card .cat-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(10,47,61,0.9) 0%, transparent 60%);
}
.loan-cat-card .cat-content {
  position: relative;
  z-index: 1;
  padding: 24px;
  color: var(--white);
  width: 100%;
}
.loan-cat-card h3 { color: var(--white); font-size: 1.15rem; margin-bottom: 4px; }
.loan-cat-card p { font-size: 0.85rem; color: rgba(255,255,255,0.75); }

/* ============ RESPONSIVE ============ */
@media (max-width: 1024px) {
  .page-layout { grid-template-columns: 1fr; }
  .sidebar { display: none; }
  .nav-links { display: none; }
  .nav-hamburger { display: flex; }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-row { grid-template-columns: repeat(2, 1fr); }
  .cta-banner { flex-direction: column; text-align: center; }
  .cta-banner-img { width: 200px; }
}

@media (max-width: 768px) {
  :root { --max-width: 100%; }
  .hero h1 { font-size: 2.2rem; }
  .page-hero h1 { font-size: 1.8rem; }
  .section-header h2 { font-size: 1.8rem; }
  .blog-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr; }
  .steps-grid::before { display: none; }
  .features-grid { grid-template-columns: 1fr; }
  .hero-stats { flex-direction: column; gap: 16px; }
  .alt-card { grid-template-columns: 1fr; }
  .alt-card .alt-details { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr; }
  .form-zone { padding: 24px; }
  .loan-cat-grid { grid-template-columns: 1fr; }
  .related-posts { grid-template-columns: 1fr; }
  .cta-banner { padding: 32px 24px; }
}

/* ============ MOBILE NAV ============ */
.mobile-nav {
  position: fixed;
  top: 72px;
  left: 0;
  right: 0;
  bottom: 0;
  background: var(--white);
  z-index: 999;
  padding: 24px;
  overflow-y: auto;
  transform: translateX(100%);
  transition: var(--transition);
}
.mobile-nav.open { transform: translateX(0); }
.mobile-nav a {
  display: block;
  padding: 14px 0;
  font-size: 1.05rem;
  font-weight: 500;
  color: var(--text);
  border-bottom: 1px solid var(--border);
}
.mobile-nav a:hover { color: var(--secondary); }
.mobile-nav .mobile-dropdown-items {
  padding-left: 16px;
  display: none;
}
.mobile-nav .mobile-dropdown-items.open { display: block; }
.mobile-nav .mobile-dropdown-items a {
  font-size: 0.92rem;
  padding: 10px 0;
}

/* ============ PROGRESS BAR ============ */
.reading-progress {
  position: fixed;
  top: 72px;
  left: 0;
  width: 0%;
  height: 3px;
  background: linear-gradient(90deg, var(--primary), var(--secondary));
  z-index: 1001;
  transition: width 0.1s linear;
}

/* ============ TIPBOX / INFO ============ */
.tip-box {
  display: flex;
  gap: 16px;
  padding: 20px;
  border-radius: var(--radius-md);
  margin: 24px 0;
}
.tip-box.tip-info { background: var(--light-teal); border-left: 4px solid var(--secondary); }
.tip-box.tip-warning { background: #fef3cd; border-left: 4px solid #f59e0b; }
.tip-box.tip-success { background: #d1fae5; border-left: 4px solid #22c55e; }
.tip-box .tip-icon { font-size: 1.3rem; flex-shrink: 0; }
.tip-box p { font-size: 0.9rem; line-height: 1.6; }

/* ============ HIDDEN FORM ============ */
.form-embed { overflow: hidden; }

/* ============ FAQ ACCORDION ============ */
.faq-item .faq-answer {
  max-height: 0 !important;
  overflow: hidden !important;
  opacity: 0;
  padding-top: 0 !important;
  padding-bottom: 0 !important;
  transition: max-height 0.4s cubic-bezier(0.4,0,0.2,1), opacity 0.3s ease, padding 0.4s ease;
}
.faq-item.open .faq-answer {
  max-height: 600px !important;
  opacity: 1;
  padding-bottom: 20px !important;
}
.faq-item .faq-question span:last-child {
  transition: transform 0.3s ease;
  display: inline-block;
}
.faq-item.open .faq-question span:last-child {
  transform: rotate(45deg);
}
.faq-item {
  transition: box-shadow 0.3s ease;
}
.faq-item.open {
  box-shadow: 0 4px 20px rgba(0,0,0,0.08);
}