/* ============================================================
   DrCash: Modern installment loans
   ============================================================ */

:root {
  --ink: #0b1f3a;
  --ink-soft: #43536b;
  --ink-faint: #6b7a92;
  --primary: #0e9f6e;
  --primary-dark: #0b7f58;
  --primary-deep: #085c40;
  --blue: #2f56d9;
  --blue-dark: #2444b3;
  --blue-deep: #1d3a9e;
  --blue-soft: #e9effc;
  --blue-mist: #f4f7fe;
  --mint: #e6f7f0;
  --mint-soft: #f3fbf7;
  --amber: #f5b841;
  --amber-soft: #fdf3dd;
  --white: #ffffff;
  --bg: #fbfcfd;
  --line: #e4e9f0;
  --shadow-sm: 0 1px 2px rgba(11, 31, 58, 0.06), 0 2px 8px rgba(11, 31, 58, 0.05);
  --shadow-md: 0 4px 12px rgba(11, 31, 58, 0.08), 0 12px 32px rgba(11, 31, 58, 0.08);
  --shadow-lg: 0 8px 24px rgba(11, 31, 58, 0.1), 0 24px 64px rgba(11, 31, 58, 0.12);
  --radius: 16px;
  --radius-lg: 24px;
  --font-head: "Plus Jakarta Sans", system-ui, -apple-system, sans-serif;
  --font-body: "Inter", system-ui, -apple-system, sans-serif;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}

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

a { color: inherit; text-decoration: none; }

.container {
  width: min(1160px, 100% - 48px);
  margin-inline: auto;
}

h1, h2, h3, h4 {
  font-family: var(--font-head);
  font-weight: 700;
  line-height: 1.15;
  letter-spacing: -0.02em;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 16px;
  padding: 14px 28px;
  border-radius: 999px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
  white-space: nowrap;
}

.btn-primary {
  background: var(--primary);
  color: var(--white);
  box-shadow: 0 4px 14px rgba(14, 159, 110, 0.35);
}
.btn-primary:hover {
  background: var(--primary-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(14, 159, 110, 0.4);
}

.btn-outline {
  background: transparent;
  color: var(--ink);
  border-color: var(--line);
}
.btn-outline:hover {
  border-color: var(--primary);
  color: var(--primary-dark);
  transform: translateY(-2px);
}

.btn-ghost {
  background: transparent;
  color: var(--ink);
  padding: 10px 18px;
  font-weight: 600;
}
.btn-ghost:hover { color: var(--primary-dark); }

.btn-lg { padding: 18px 40px; font-size: 18px; }
.btn-block { width: 100%; }

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.85);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
  gap: 24px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-head);
  font-weight: 800;
  font-size: 26px;
  letter-spacing: -0.03em;
}
.logo .logo-img {
  width: 44px;
  height: 44px;
  border-radius: 13px;
  box-shadow: 0 4px 10px rgba(47, 86, 217, 0.28);
}
.logo .dr { color: var(--blue); }
.logo .accent { color: var(--primary); }
.site-footer .logo .dr { color: #93aef5; }

.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
  list-style: none;
}
.nav-links a {
  padding: 10px 16px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 15px;
  color: var(--ink-soft);
  transition: color 0.15s, background 0.15s;
}
.nav-links a:hover { color: var(--primary-dark); background: var(--mint-soft); }
.nav-links a.active { color: var(--primary-dark); background: var(--mint); }

.nav-cta { display: flex; align-items: center; gap: 12px; }

.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  width: 44px;
  height: 44px;
  border-radius: 12px;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 5px;
}
.nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--ink);
  border-radius: 2px;
  transition: transform 0.2s, opacity 0.2s;
}
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  overflow: hidden;
  padding: 88px 0 104px;
  background:
    radial-gradient(680px 420px at 88% -10%, rgba(14, 159, 110, 0.12), transparent 65%),
    radial-gradient(520px 380px at 12% -14%, rgba(47, 86, 217, 0.1), transparent 62%),
    radial-gradient(560px 400px at -8% 105%, rgba(245, 184, 65, 0.12), transparent 60%),
    linear-gradient(180deg, #f6faf8 0%, var(--bg) 100%);
}

.hero .blob {
  position: absolute;
  border-radius: 50%;
  filter: blur(60px);
  opacity: 0.5;
  pointer-events: none;
}
.blob-1 { width: 380px; height: 380px; background: var(--mint); top: -120px; right: -80px; }
.blob-2 { width: 300px; height: 300px; background: var(--amber-soft); bottom: -140px; left: -100px; }

.hero-grid {
  position: relative;
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 64px;
  align-items: center;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--blue-soft);
  color: var(--blue-deep);
  font-weight: 700;
  font-size: 13px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 8px 16px;
  border-radius: 999px;
  margin-bottom: 24px;
}

.hero h1 {
  font-size: clamp(38px, 4.6vw, 58px);
  margin-bottom: 20px;
}
.hero h1 .accent { color: var(--primary); }

.hero-sub {
  font-size: 19px;
  color: var(--ink-soft);
  max-width: 520px;
  margin-bottom: 32px;
}

.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 36px; }

.hero-points { display: flex; gap: 28px; flex-wrap: wrap; }
.hero-point { display: flex; align-items: center; gap: 10px; font-weight: 600; font-size: 15px; color: var(--ink-soft); }
.hero-point .dot {
  width: 26px; height: 26px; border-radius: 50%;
  background: var(--mint); color: var(--primary-deep);
  display: grid; place-items: center; font-size: 13px; font-weight: 800;
}

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

.calc-card h3 {
  font-size: 22px;
  margin-bottom: 6px;
}
.calc-card .calc-note { color: var(--ink-faint); font-size: 14px; margin-bottom: 28px; }

.calc-row { margin-bottom: 26px; }
.calc-labels {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 10px;
}
.calc-labels label { font-weight: 600; font-size: 15px; color: var(--ink-soft); }
.calc-value {
  font-family: var(--font-head);
  font-weight: 800;
  font-size: 22px;
  color: var(--ink);
}

input[type="range"] {
  width: 100%;
  height: 8px;
  appearance: none;
  -webkit-appearance: none;
  background: linear-gradient(to right, var(--primary) 0%, var(--primary) var(--fill, 50%), #e4ece8 var(--fill, 50%), #e4ece8 100%);
  border-radius: 999px;
  outline: none;
  cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  appearance: none;
  -webkit-appearance: none;
  width: 26px; height: 26px;
  border-radius: 50%;
  background: var(--white);
  border: 3px solid var(--primary);
  box-shadow: var(--shadow-sm);
  cursor: grab;
}
input[type="range"]::-moz-range-thumb {
  width: 20px; height: 20px;
  border-radius: 50%;
  background: var(--white);
  border: 3px solid var(--primary);
  box-shadow: var(--shadow-sm);
  cursor: grab;
}

.calc-result {
  background: var(--mint-soft);
  border: 1px solid #d6efe4;
  border-radius: var(--radius);
  padding: 22px 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  margin-bottom: 22px;
}
.calc-result .label { font-size: 14px; color: var(--ink-soft); font-weight: 600; }
.calc-result .amount {
  font-family: var(--font-head);
  font-weight: 800;
  font-size: 34px;
  color: var(--primary-deep);
  line-height: 1;
}
.calc-result .amount small { font-size: 15px; font-weight: 600; color: var(--ink-faint); }
.calc-result .total { text-align: right; font-size: 13px; color: var(--ink-faint); }
.calc-result .total strong { display: block; color: var(--ink-soft); font-size: 15px; }

.calc-disclaimer { font-size: 12px; color: var(--ink-faint); margin-top: 14px; line-height: 1.5; }

/* ---------- Trust strip ---------- */
.trust-strip {
  padding: 28px 0;
  border-block: 1px solid var(--line);
  background: var(--white);
}
.trust-items {
  display: flex;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 12px;
  font-weight: 700;
  font-family: var(--font-head);
  font-size: 15px;
  color: var(--ink-soft);
}
.trust-item .ico {
  width: 40px; height: 40px;
  border-radius: 12px;
  background: var(--mint);
  display: grid;
  place-items: center;
  font-size: 18px;
}
.trust-item:nth-child(even) .ico { background: var(--blue-soft); }

/* ---------- Sections ---------- */
.section { padding: 96px 0; }
.section.alt { background: var(--white); border-block: 1px solid var(--line); }

.section-head {
  max-width: 640px;
  margin: 0 auto 64px;
  text-align: center;
}
.section-head .eyebrow {
  color: var(--blue);
  font-weight: 700;
  font-size: 13px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  display: block;
  margin-bottom: 12px;
}
.section-head h2 { font-size: clamp(28px, 3.4vw, 40px); margin-bottom: 16px; }
.section-head p { color: var(--ink-soft); font-size: 17px; }

.section-head.left { text-align: left; margin-inline: 0; }

/* ---------- Steps ---------- */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.step-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 36px 30px;
  position: relative;
  box-shadow: var(--shadow-sm);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.step-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.step-num {
  width: 48px; height: 48px;
  border-radius: 14px;
  background: linear-gradient(135deg, var(--primary), var(--primary-deep));
  color: var(--white);
  font-family: var(--font-head);
  font-weight: 800;
  font-size: 20px;
  display: grid;
  place-items: center;
  margin-bottom: 22px;
  box-shadow: 0 4px 12px rgba(14, 159, 110, 0.3);
}
.step-card:nth-child(2) .step-num {
  background: linear-gradient(135deg, var(--blue), var(--blue-deep));
  box-shadow: 0 4px 12px rgba(47, 86, 217, 0.3);
}
.step-card h3 { font-size: 20px; margin-bottom: 10px; }
.step-card p { color: var(--ink-soft); font-size: 15px; }

/* ---------- Use cases ---------- */
.uses-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.use-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px 22px;
  text-align: center;
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}
.use-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: #c9e9db;
}
.use-card .emoji {
  width: 56px; height: 56px;
  margin: 0 auto 16px;
  border-radius: 16px;
  background: var(--mint-soft);
  display: grid;
  place-items: center;
  font-size: 26px;
}
.use-card:nth-child(even) .emoji { background: var(--blue-mist); }
.use-card:nth-child(even):hover { border-color: #c7d5f6; }
.use-card h3 { font-size: 16px; margin-bottom: 6px; }
.use-card p { font-size: 13.5px; color: var(--ink-faint); }

/* ---------- Split / features ---------- */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
}

.feature-list { list-style: none; display: grid; gap: 22px; }
.feature-item { display: flex; gap: 18px; }
.feature-item .ico {
  flex: none;
  width: 48px; height: 48px;
  border-radius: 14px;
  background: var(--mint);
  display: grid;
  place-items: center;
  font-size: 22px;
}
.feature-item:nth-child(even) .ico { background: var(--blue-soft); }
.feature-item h3 { font-size: 17px; margin-bottom: 4px; }
.feature-item p { color: var(--ink-soft); font-size: 15px; }

/* ---------- Rate panel ---------- */
.rate-panel {
  background: linear-gradient(135deg, var(--ink) 0%, var(--blue-deep) 100%);
  border-radius: var(--radius-lg);
  padding: 44px;
  color: var(--white);
  box-shadow: var(--shadow-lg);
}
.rate-panel h3 { font-size: 24px; margin-bottom: 24px; }
.rate-rows { display: grid; gap: 0; }
.rate-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 16px;
  padding: 14px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
  font-size: 15px;
}
.rate-row:last-child { border-bottom: none; }
.rate-row .k { color: rgba(255, 255, 255, 0.65); }
.rate-row .v { font-family: var(--font-head); font-weight: 700; font-size: 17px; }
.rate-row .v.accent { color: #4ade9c; }
.rate-example {
  margin-top: 22px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--radius);
  padding: 18px 20px;
  font-size: 13.5px;
  color: rgba(255, 255, 255, 0.75);
  line-height: 1.6;
}
.rate-example strong { color: var(--white); }

/* ---------- Stats ---------- */
.stats-band {
  background: linear-gradient(120deg, var(--blue-deep) 0%, var(--primary-deep) 100%);
  color: var(--white);
  padding: 64px 0;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  text-align: center;
}
.stat .num {
  font-family: var(--font-head);
  font-weight: 800;
  font-size: clamp(32px, 4vw, 46px);
  line-height: 1.1;
  margin-bottom: 6px;
}
.stat .lbl { color: rgba(255, 255, 255, 0.75); font-size: 15px; font-weight: 500; }

/* ---------- Testimonials ---------- */
.quotes-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.quote-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.quote-card .stars { color: var(--amber); font-size: 17px; letter-spacing: 2px; }
.quote-card p { color: var(--ink-soft); font-size: 15px; flex: 1; }
.quote-who { display: flex; align-items: center; gap: 14px; }
.quote-who .avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--mint), #cdeee0);
  color: var(--primary-deep);
  font-family: var(--font-head);
  font-weight: 800;
  display: grid;
  place-items: center;
}
.quote-who .name { font-weight: 700; font-size: 15px; font-family: var(--font-head); }
.quote-who .meta { font-size: 13px; color: var(--ink-faint); }

/* ---------- FAQ ---------- */
.faq-list { max-width: 760px; margin: 0 auto; display: grid; gap: 14px; }
.faq-item {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  transition: box-shadow 0.2s;
}
.faq-item[open] { box-shadow: var(--shadow-sm); border-color: #c9e9db; }
.faq-item summary {
  list-style: none;
  cursor: pointer;
  padding: 22px 26px;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 16.5px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary .chev {
  flex: none;
  width: 30px; height: 30px;
  border-radius: 50%;
  background: var(--mint-soft);
  display: grid;
  place-items: center;
  color: var(--primary-dark);
  transition: transform 0.25s ease;
  font-size: 14px;
}
.faq-item[open] summary .chev { transform: rotate(45deg); background: var(--mint); }
.faq-item .faq-body {
  padding: 0 26px 24px;
  color: var(--ink-soft);
  font-size: 15px;
  line-height: 1.7;
}

/* ---------- CTA band ---------- */
.cta-band {
  position: relative;
  overflow: hidden;
  background: linear-gradient(120deg, var(--blue-deep) 0%, var(--blue) 45%, var(--primary) 100%);
  border-radius: var(--radius-lg);
  padding: 72px 48px;
  text-align: center;
  color: var(--white);
}
.cta-band h2 { font-size: clamp(28px, 3.6vw, 42px); margin-bottom: 16px; }
.cta-band p { font-size: 18px; color: rgba(255, 255, 255, 0.85); max-width: 560px; margin: 0 auto 32px; }
.cta-band .btn-primary {
  background: var(--white);
  color: var(--primary-deep);
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.18);
}
.cta-band .btn-primary:hover { background: var(--mint-soft); }
.cta-band .ring {
  position: absolute;
  border: 2px solid rgba(255, 255, 255, 0.12);
  border-radius: 50%;
  pointer-events: none;
}
.ring-1 { width: 320px; height: 320px; top: -140px; right: -80px; }
.ring-2 { width: 220px; height: 220px; bottom: -100px; left: -60px; }

/* ---------- Page hero (inner pages) ---------- */
.page-hero {
  padding: 72px 0 64px;
  background:
    radial-gradient(560px 320px at 90% -20%, rgba(14, 159, 110, 0.1), transparent 65%),
    linear-gradient(180deg, #f6faf8 0%, var(--bg) 100%);
  text-align: center;
}
.page-hero h1 { font-size: clamp(32px, 4vw, 48px); margin-bottom: 16px; }
.page-hero p { color: var(--ink-soft); font-size: 18px; max-width: 640px; margin: 0 auto; }

/* ---------- Prose ---------- */
.prose { max-width: 760px; margin: 0 auto; }
.prose h2 { font-size: 26px; margin: 40px 0 16px; }
.prose p { color: var(--ink-soft); margin-bottom: 18px; font-size: 16.5px; }
.prose ul { margin: 0 0 18px 22px; color: var(--ink-soft); }
.prose li { margin-bottom: 8px; }

/* ---------- Forms ---------- */
.form-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 44px;
  box-shadow: var(--shadow-md);
  max-width: 720px;
  margin: 0 auto;
}
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.form-field { display: flex; flex-direction: column; gap: 8px; }
.form-field.full { grid-column: 1 / -1; }
.form-field label { font-weight: 600; font-size: 14px; color: var(--ink-soft); }
.form-field input,
.form-field select {
  font-family: var(--font-body);
  font-size: 16px;
  padding: 14px 16px;
  border: 1.5px solid var(--line);
  border-radius: 12px;
  background: var(--bg);
  color: var(--ink);
  transition: border-color 0.15s, box-shadow 0.15s;
  width: 100%;
}
.form-field input:focus,
.form-field select:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 4px rgba(14, 159, 110, 0.12);
  background: var(--white);
}
.form-consent {
  grid-column: 1 / -1;
  display: flex;
  gap: 12px;
  align-items: flex-start;
  font-size: 13.5px;
  color: var(--ink-faint);
  line-height: 1.55;
}
.form-consent input { margin-top: 3px; width: 17px; height: 17px; accent-color: var(--primary); }
.form-success {
  display: none;
  background: var(--mint);
  border: 1px solid #bfe8d6;
  color: var(--primary-deep);
  border-radius: var(--radius);
  padding: 20px 24px;
  font-weight: 600;
  margin-top: 24px;
}
.form-success.show { display: block; }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--ink);
  color: rgba(255, 255, 255, 0.7);
  padding: 72px 0 40px;
  margin-top: 96px;
  font-size: 14.5px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}
.footer-brand .logo { color: var(--white); margin-bottom: 16px; }
.footer-brand p { max-width: 300px; line-height: 1.65; }
.footer-col h4 {
  color: var(--white);
  font-size: 14px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 18px;
}
.footer-col ul { list-style: none; display: grid; gap: 12px; }
.footer-col a:hover { color: var(--white); }
.footer-legal {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  padding-top: 32px;
  font-size: 12.5px;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.45);
}
.footer-legal p { margin-bottom: 12px; }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
  margin-top: 24px;
  font-size: 13px;
}

/* ---------- Illustrated split sections ---------- */
.illus-wrap {
  display: grid;
  place-items: center;
}
.illus-wrap img {
  width: min(480px, 100%);
  filter: drop-shadow(0 12px 32px rgba(11, 31, 58, 0.08));
}

/* ---------- Comparison table ---------- */
.compare-wrap { overflow-x: auto; }
.compare-table {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  min-width: 640px;
}
.compare-table th,
.compare-table td {
  padding: 18px 22px;
  text-align: left;
  font-size: 15px;
  border-bottom: 1px solid var(--line);
}
.compare-table thead th {
  font-family: var(--font-head);
  font-size: 15px;
  background: var(--blue-mist);
  color: var(--ink);
}
.compare-table thead th.highlight {
  background: var(--blue);
  color: var(--white);
}
.compare-table tbody tr:last-child td { border-bottom: none; }
.compare-table td.highlight {
  background: var(--blue-mist);
  font-weight: 600;
  color: var(--blue-deep);
}
.compare-table td:first-child { font-weight: 600; color: var(--ink-soft); }
.compare-table .yes { color: var(--primary-dark); font-weight: 700; }
.compare-table .no { color: #c0392b; font-weight: 700; }

/* ---------- Info / tip cards ---------- */
.tips-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.tip-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-left: 4px solid var(--blue);
  border-radius: var(--radius);
  padding: 26px 24px;
  box-shadow: var(--shadow-sm);
}
.tip-card:nth-child(3n+2) { border-left-color: var(--primary); }
.tip-card:nth-child(3n) { border-left-color: var(--amber); }
.tip-card h3 { font-size: 17px; margin-bottom: 8px; }
.tip-card p { color: var(--ink-soft); font-size: 14.5px; }

/* ---------- Application form sections ---------- */
.apply-layout {
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 40px;
  align-items: start;
}
.apply-aside { position: sticky; top: 100px; display: grid; gap: 20px; }
.aside-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 24px;
  box-shadow: var(--shadow-sm);
  font-size: 14px;
  color: var(--ink-soft);
}
.aside-card h3 {
  font-size: 15px;
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.aside-card ul { list-style: none; display: grid; gap: 10px; }
.aside-card li { display: flex; gap: 8px; align-items: flex-start; }
.aside-card li::before { content: "✓"; color: var(--primary); font-weight: 800; }
.aside-card.blue { background: var(--blue-mist); border-color: #d3dff8; }

.form-section { margin-bottom: 8px; }
.form-section-title {
  display: flex;
  align-items: center;
  gap: 12px;
  margin: 36px 0 20px;
  padding-top: 28px;
  border-top: 1px solid var(--line);
}
.form-section:first-of-type .form-section-title { margin-top: 0; padding-top: 0; border-top: none; }
.form-section-title .num {
  flex: none;
  width: 34px; height: 34px;
  border-radius: 10px;
  background: var(--blue-soft);
  color: var(--blue-deep);
  font-family: var(--font-head);
  font-weight: 800;
  font-size: 15px;
  display: grid;
  place-items: center;
}
.form-section-title h2 { font-size: 20px; }
.form-hint { font-size: 13px; color: var(--ink-faint); margin: -12px 0 18px 46px; }

.progress-steps {
  display: flex;
  gap: 8px;
  margin-bottom: 32px;
}
.progress-steps span {
  flex: 1;
  height: 6px;
  border-radius: 999px;
  background: var(--line);
}
.progress-steps span.done { background: linear-gradient(90deg, var(--blue), var(--primary)); }

/* ---------- Inverite bank verification ---------- */
.ibv-intro {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  background: var(--blue-mist);
  border: 1px solid #d3dff8;
  border-radius: var(--radius);
  padding: 18px 20px;
  font-size: 14px;
  color: var(--ink-soft);
  margin-bottom: 20px;
  line-height: 1.6;
}
.ibv-intro .ico { font-size: 22px; }
.ibv-frame-wrap {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  background: var(--white);
  box-shadow: var(--shadow-sm);
}
.ibv-frame-wrap iframe {
  display: block;
  width: 100%;
  height: 620px;
  border: 0;
}
.ibv-status {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  color: var(--ink-soft);
  margin-top: 14px;
}
.ibv-status .pulse {
  width: 10px; height: 10px;
  border-radius: 50%;
  background: var(--blue);
  animation: ibvPulse 1.4s ease infinite;
}
@keyframes ibvPulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.35; transform: scale(0.8); }
}
.ibv-verified {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--mint);
  color: var(--primary-deep);
  font-weight: 700;
  font-size: 14px;
  padding: 10px 18px;
  border-radius: 999px;
}
.ibv-skip {
  margin-top: 16px;
  font-size: 13px;
  color: var(--ink-faint);
}
.ibv-skip a { color: var(--blue); font-weight: 600; text-decoration: underline; }

/* ---------- Reveal animation ---------- */
.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.reveal.in { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
}

/* ---------- Responsive ---------- */
@media (max-width: 980px) {
  .hero-grid { grid-template-columns: 1fr; gap: 48px; }
  .steps-grid, .quotes-grid, .tips-grid { grid-template-columns: 1fr; }
  .uses-grid { grid-template-columns: repeat(2, 1fr); }
  .split { grid-template-columns: 1fr; gap: 48px; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .apply-layout { grid-template-columns: 1fr; }
  .apply-aside { position: static; order: -1; }

  .nav-toggle { display: flex; }
  .nav-links {
    position: absolute;
    top: 76px;
    left: 0;
    right: 0;
    flex-direction: column;
    align-items: stretch;
    background: var(--white);
    border-bottom: 1px solid var(--line);
    padding: 16px 24px 24px;
    gap: 6px;
    display: none;
    box-shadow: var(--shadow-md);
  }
  .nav-links.open { display: flex; }
  .nav-links a { display: block; padding: 14px 16px; border-radius: 12px; }
  .nav-cta .btn-ghost { display: none; }
}

@media (max-width: 560px) {
  .section { padding: 64px 0; }
  .hero { padding: 56px 0 72px; }
  .uses-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 36px; }
  .calc-card { padding: 26px 22px; }
  .form-card { padding: 28px 22px; }
  .form-grid { grid-template-columns: 1fr; }
  .cta-band { padding: 56px 24px; }
  .calc-result { flex-direction: column; align-items: flex-start; }
  .calc-result .total { text-align: left; }
}