/* ═══════════════════════════════════════
   CASH IN FLASH — MAIN STYLESHEET
   ═══════════════════════════════════════ */

/* ---------- SELF-HOSTED POPPINS ---------- */
/* latin subset (covers English + basic accents) */
@font-face { font-family: 'Poppins'; font-style: normal; font-weight: 400; font-display: swap; src: url('/fonts/poppins-400.woff2') format('woff2'); unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD; }
@font-face { font-family: 'Poppins'; font-style: normal; font-weight: 500; font-display: swap; src: url('/fonts/poppins-500.woff2') format('woff2'); unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD; }
@font-face { font-family: 'Poppins'; font-style: normal; font-weight: 600; font-display: swap; src: url('/fonts/poppins-600.woff2') format('woff2'); unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD; }
@font-face { font-family: 'Poppins'; font-style: normal; font-weight: 700; font-display: swap; src: url('/fonts/poppins-700.woff2') format('woff2'); unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD; }
@font-face { font-family: 'Poppins'; font-style: normal; font-weight: 800; font-display: swap; src: url('/fonts/poppins-800.woff2') format('woff2'); unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD; }
/* latin-ext (Spanish ñ/á/é/etc., other European accents) */
@font-face { font-family: 'Poppins'; font-style: normal; font-weight: 400; font-display: swap; src: url('/fonts/poppins-400-ext.woff2') format('woff2'); unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF; }
@font-face { font-family: 'Poppins'; font-style: normal; font-weight: 500; font-display: swap; src: url('/fonts/poppins-500-ext.woff2') format('woff2'); unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF; }
@font-face { font-family: 'Poppins'; font-style: normal; font-weight: 600; font-display: swap; src: url('/fonts/poppins-600-ext.woff2') format('woff2'); unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF; }
@font-face { font-family: 'Poppins'; font-style: normal; font-weight: 700; font-display: swap; src: url('/fonts/poppins-700-ext.woff2') format('woff2'); unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF; }
@font-face { font-family: 'Poppins'; font-style: normal; font-weight: 800; font-display: swap; src: url('/fonts/poppins-800-ext.woff2') format('woff2'); unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF; }

/* ---------- RESET & BASE ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; overflow-x: clip; }
body {
  font-family: 'Poppins', sans-serif;
  color: #00254E;
  background: #fff;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: clip;
  min-height: 100vh;
  min-height: 100dvh;
}
img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; -webkit-tap-highlight-color: transparent; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; -webkit-tap-highlight-color: transparent; }
input { font-family: inherit; font-size: 16px; /* prevents iOS zoom on focus */ }

/* ---------- UTILITIES ---------- */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }

.underline-accent {
  position: relative;
  display: inline-block;
  color: #FF7900;
}
.underline-accent::after {
  content: '';
  position: absolute;
  left: 0; bottom: -5px;
  width: 100%; height: 6px;
  background-color: currentColor;
  -webkit-mask: url("/images/Vector-2139.png") no-repeat center / 100% 100%;
          mask: url("/images/Vector-2139.png") no-repeat center / 100% 100%;
  z-index: -1;
}

.gradient-text {
  background: linear-gradient(135deg, #FF7900, #FF7900);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.section-heading {
  font-size: clamp(1.6rem, 4vw, 2.25rem);
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: 16px;
}
.section-sub {
  color: #555;
  max-width: 560px;
}

/* ---------- BUTTONS ---------- */
.btn-apply {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: #FF7900;
  color: #fff;
  font-weight: 600;
  padding: 12px 28px;
  border-radius: 50px;
  font-size: .95rem;
  transition: background .2s, transform .15s;
}
.btn-apply:hover { background: #D96900; transform: translateY(-1px); }
.btn-apply.btn-lg { padding: 16px 36px; font-size: 1.05rem; }
.btn-apply.btn-sm { padding: 8px 20px; font-size: .85rem; }
.btn-apply.btn-icon svg { transition: transform .2s; }
.btn-apply.btn-icon:hover svg { transform: translateX(3px); }

.btn-login {
  display: inline-flex;
  align-items: center;
  border: 2px solid #00254E;
  padding: 10px 24px;
  border-radius: 50px;
  font-weight: 600;
  font-size: .9rem;
  transition: background .2s, color .2s;
}
.btn-login:hover { background: #00254E; color: #fff; }
.btn-login.btn-sm { padding: 6px 16px; font-size: .8rem; }

.btn-store {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-weight: 500;
  font-size: .9rem;
  color: #00254E;
  transition: color .2s;
}
.btn-store:hover { color: #FF7900; }

/* ---------- 1. TOP BANNER ---------- */
.top-banner {
  background: #00254E;
  color: #fff;
  text-align: center;
  padding: 10px 24px;
  font-size: .82rem;
  font-weight: 400;
}
.banner-mobile { display: none; }

/* ---------- 2. HEADER ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: #fff;
  box-shadow: 0 1px 4px rgba(0,0,0,.06);
  transition: box-shadow .3s;
}
.site-header.scrolled { box-shadow: 0 2px 12px rgba(0,0,0,.1); }

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

.main-nav { display: flex; }
.nav-list { display: flex; gap: 32px; align-items: center; }
.nav-item > a {
  font-weight: 500;
  font-size: .95rem;
  display: flex;
  align-items: center;
  gap: 4px;
  padding: 8px 0;
  transition: color .2s;
}
.nav-item > a:hover { color: #FF7900; }
.nav-item > a svg { transition: transform .2s; }
.nav-item.has-dropdown:hover > a svg { transform: rotate(180deg); }

/* Dropdown menus */
.dropdown-menu {
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%) translateY(8px);
  background: #00254E;
  border-top: 3px solid #FF7900;
  border-radius: 0 0 12px 12px;
  box-shadow: 0 12px 40px rgba(0,0,0,.25);
  padding: 28px 32px;
  min-width: 200px;
  opacity: 0;
  visibility: hidden;
  transition: opacity .25s, transform .25s, visibility .25s;
  pointer-events: none;
}
.nav-item.has-dropdown { position: relative; }
.nav-item.has-dropdown:hover .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
  pointer-events: auto;
}
.dropdown-menu a {
  display: block;
  padding: 8px 12px;
  border-radius: 8px;
  font-size: .9rem;
  color: rgba(255,255,255,.85);
  transition: background .15s, color .15s;
}
.dropdown-menu a:hover { background: rgba(255,255,255,.08); color: #fff; }

/* Mega menu */
.mega-menu { min-width: 680px; left: -60px; transform: translateX(0) translateY(8px); }
.nav-item.has-dropdown:hover .mega-menu { transform: translateX(0) translateY(0); }
.mega-cols { display: flex; gap: 40px; }
.mega-col h4,
.mega-col .mega-col-label {
  font-size: .75rem;
  letter-spacing: .08em;
  color: #FF7900;
  margin-bottom: 12px;
  font-weight: 700;
  text-transform: uppercase;
}

/* Mega menu branding column */
.mega-col-brand {
  border-left: 1px solid rgba(255,255,255,.12);
  padding-left: 40px;
  max-width: 220px;
}
.mega-col-brand img:first-child { margin-bottom: 12px; }
.mega-col-brand p {
  font-size: .78rem;
  color: rgba(255,255,255,.6);
  line-height: 1.5;
  margin-bottom: 16px;
}
.mega-col-brand h4 {
  color: #FF7900;
  margin-bottom: 16px;
}
.mega-app-buttons { display: flex; gap: 8px; }
.mega-app-buttons a { padding: 0; background: none; }
.mega-app-buttons a:hover { background: none; opacity: .8; }
.mega-app-buttons img { border-radius: 6px; }

.header-actions {
  display: flex;
  align-items: center;
  gap: 16px;
}

/* Hamburger */
.menu-toggle { display: none; width: 28px; height: 20px; position: relative; }
.menu-toggle span {
  display: block;
  position: absolute;
  width: 100%;
  height: 2px;
  background: #00254E;
  border-radius: 2px;
  transition: .3s;
}
.menu-toggle span:nth-child(1) { top: 0; }
.menu-toggle span:nth-child(2) { top: 9px; }
.menu-toggle span:nth-child(3) { top: 18px; }
.menu-toggle.active span:nth-child(1) { top: 9px; transform: rotate(45deg); }
.menu-toggle.active span:nth-child(2) { opacity: 0; }
.menu-toggle.active span:nth-child(3) { top: 9px; transform: rotate(-45deg); }

/* Mobile Menu — Navy full-screen overlay */
.mobile-menu {
  position: fixed;
  top: 0; left: 0;
  width: 100%;
  height: 100vh;
  height: 100dvh;
  background: #1b3a2d;
  z-index: 2000;
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
  opacity: 0;
  visibility: hidden;
  transition: opacity .3s ease, visibility .3s ease;
}
.mobile-menu.open { opacity: 1; visibility: visible; }

.mobile-menu-inner {
  display: flex;
  flex-direction: column;
  min-height: 100%;
  padding-bottom: calc(40px + env(safe-area-inset-bottom, 0px));
}

.mobile-menu-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 24px;
  background: #fff;
  border-bottom: 1px solid #e5e5e5;
}
.mobile-menu-logo img {
  height: 24px;
  width: auto;
}
.mobile-menu-close {
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.mobile-menu-close svg { stroke: #333; }

.mobile-menu-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,.4);
  z-index: 1999;
  opacity: 0;
  visibility: hidden;
  transition: opacity .3s, visibility .3s;
}
.mobile-menu-overlay.open { opacity: 1; visibility: visible; }

/* Nav list */
.mobile-nav-list {
  padding: 0 24px;
  margin-bottom: auto;
}
.mobile-nav-item > a {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 0;
  font-size: 1.15rem;
  font-weight: 500;
  color: #fff;
  border-bottom: 1px solid rgba(255,255,255,.12);
  min-height: 56px;
}
.mobile-chevron {
  transition: transform .3s ease;
  opacity: .6;
  flex-shrink: 0;
  margin-left: 8px;
}
.mobile-nav-item.has-sub.open .mobile-chevron { transform: rotate(180deg); }

.mobile-sub { padding-left: 16px; display: none; }
.mobile-nav-item.has-sub.open .mobile-sub { display: block; }
.mobile-sub a { display: block; padding: 12px 0; font-size: .95rem; color: rgba(255,255,255,.65); }
.mobile-sub a:hover { color: #fff; }

/* Extra section: store link + buttons */
.mobile-menu-extra {
  display: flex;
  flex-direction: column;
  gap: 20px;
  padding: 32px 24px 0;
}
.mobile-store-link {
  display: flex;
  align-items: center;
  gap: 8px;
  font-weight: 500;
  color: #fff;
}
.mobile-store-link svg { stroke: #fff; }
.mobile-btn-row { display: flex; gap: 12px; }
.mobile-btn-row .btn-apply {
  flex: 1;
  text-align: center;
  justify-content: center;
  background: #FF7900;
  color: #fff;
  border-radius: 50px;
  padding: 14px 20px;
  font-weight: 600;
  font-size: .95rem;
}
.mobile-btn-row .btn-apply:hover { background: #D96900; }
.mobile-btn-row .btn-login {
  flex: 1;
  text-align: center;
  justify-content: center;
  background: transparent;
  color: #fff;
  border: 2px solid #fff;
  border-radius: 50px;
  padding: 14px 20px;
  font-weight: 600;
  font-size: .95rem;
}
.mobile-btn-row .btn-login:hover { background: rgba(255,255,255,.1); }

/* ---------- 3. HERO ---------- */
.hero {
  position: relative;
  background: linear-gradient(160deg, #F7F9FC 0%, #EAEEF4 40%, #fff 100%);
  padding: 80px 0 60px;
  overflow: hidden;
}

/* Floating decorative blobs */
.hero::before,
.hero::after {
  content: '';
  position: absolute;
  border-radius: 50%;
  background: rgba(0,61,165,.07);
  z-index: 0;
  animation: floatBlob 8s ease-in-out infinite;
}
.hero::before {
  width: 320px; height: 320px;
  top: -60px; right: -40px;
  border-radius: 50%;
  animation-delay: -2s;
}
.hero::after {
  width: 180px; height: 160px;
  bottom: -30px; right: 5%;
  border-radius: 30% 70% 70% 30% / 30% 30% 70% 70%;
  animation-delay: -5s;
}

.hero-blob-1,
.hero-blob-2 {
  position: absolute;
  background: rgba(0,61,165,.06);
  z-index: 0;
  pointer-events: none;
  animation: floatBlob 10s ease-in-out infinite;
}
.hero-blob-1 {
  width: 200px; height: 200px;
  top: 30%; left: 45%;
  border-radius: 60% 40% 30% 70% / 60% 30% 70% 40%;
  animation-delay: -3s;
}
.hero-blob-2 {
  width: 120px; height: 120px;
  bottom: 10%; left: 5%;
  border-radius: 30%;
  transform: rotate(15deg);
  animation-delay: -7s;
}

@keyframes floatBlob {
  0%, 100% { transform: translateY(0) rotate(0deg); }
  33% { transform: translateY(-15px) rotate(3deg); }
  66% { transform: translateY(8px) rotate(-2deg); }
}

.hero-grid,
.hero-content,
.hero-image { position: relative; z-index: 1; }
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}
.hero h1, .page-hero h1 { font-size: clamp(1.8rem, 5vw, 3rem); font-weight: 800; line-height: 1.15; margin-bottom: 16px; }
.hero-subtitle { font-size: 1.15rem; color: #555; margin-bottom: 24px; }
.hero-checks { margin-bottom: 32px; display: flex; flex-direction: column; gap: 10px; }
.hero-checks li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 500;
  font-size: .95rem;
}
.hero-cta { display: flex; align-items: center; gap: 20px; margin-bottom: 32px; flex-wrap: wrap; }
.hero-link { color: #555; font-size: .9rem; transition: color .2s; }
.hero-link:hover { color: #FF7900; }

.hero-badges { display: flex; align-items: center; gap: 20px; flex-wrap: wrap; }
.hero-badges img { width: auto; }
.hero-badges a img[alt="Google Reviews"] { height: 37px; }
.hero-badges a img[alt="Trustpilot"] { height: 28px; }

.hero-image { position: relative; display: flex; justify-content: center; align-items: center; }
.wu-brand-hero { display: flex; align-items: center; justify-content: center; }
.wu-brand-hero svg { filter: drop-shadow(0 8px 24px rgba(0,0,0,.12)); }

/* ---------- WESTERN UNION PAGE ---------- */

/* WU Services grid - 3 columns on desktop */
.wu-services-grid { grid-template-columns: repeat(3, 1fr); }
.wu-services-grid .use-case-card p {
  color: #555;
  font-size: .88rem;
  margin-top: 8px;
  line-height: 1.5;
}

/* WU Step numbers */
.wu-step-number {
  width: 72px;
  height: 72px;
  min-width: 72px;
  border-radius: 16px;
  background: linear-gradient(135deg, #FFDD00 0%, #FF7900 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.75rem;
  font-weight: 800;
  color: #000;
  flex-shrink: 0;
}

/* WU Hero */
.wu-hero {
  position: relative;
  min-height: 520px;
  display: flex;
  align-items: center;
  overflow: hidden;
}
.wu-hero-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}
.wu-hero-photo {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 30%;
}
.wu-hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to right, rgba(0,0,0,.1) 0%, rgba(0,0,0,.25) 50%, rgba(0,0,0,.05) 100%);
}
.wu-hero-inner {
  position: relative;
  z-index: 1;
  display: flex;
  justify-content: flex-end;
  padding-top: 60px;
  padding-bottom: 60px;
}
.wu-hero-card {
  background: #fff;
  border-radius: 20px;
  padding: 48px 44px;
  max-width: 420px;
  width: 100%;
  box-shadow: 0 12px 48px rgba(0,0,0,.15);
  text-align: center;
}
.wu-hero-card-logo {
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 28px;
}
.wu-hero-card-logo img {
  max-width: 240px;
  height: auto;
}
.wu-hero-card h1 {
  font-size: 1.75rem;
  font-weight: 700;
  color: #00254E;
  line-height: 1.25;
  margin-bottom: 16px;
}
.wu-hero-card p {
  color: #555;
  font-size: .95rem;
  line-height: 1.5;
  margin-bottom: 28px;
}
.wu-hero-btn {
  display: inline-block;
  padding: 14px 48px;
  border: 2px solid #00254E;
  border-radius: 50px;
  font-weight: 600;
  font-size: 1rem;
  color: #00254E;
  transition: background .2s, color .2s;
}
.wu-hero-btn:hover {
  background: #00254E;
  color: #fff;
}

/* ---------- WU PAGE BLOB OVERRIDES ---------- */

/* WU Hero blobs - large right, small left */
.wu-hero::before {
  content: '';
  position: absolute;
  width: 260px; height: 260px;
  top: -60px; right: -50px;
  background: rgba(255,221,0,.09);
  border-radius: 62% 38% 46% 54% / 52% 60% 40% 48%;
  z-index: 0;
  pointer-events: none;
  animation: floatBlob 11s ease-in-out infinite;
  animation-delay: -3s;
}
.wu-hero::after {
  content: '';
  position: absolute;
  width: 90px; height: 90px;
  bottom: 20%; left: 5%;
  background: rgba(245,166,35,.08);
  border-radius: 54% 46% 58% 42% / 48% 56% 44% 52%;
  z-index: 0;
  pointer-events: none;
  animation: floatBlob 8s ease-in-out infinite;
  animation-delay: -6s;
}

/* Override shared blob colors + reposition for even spread */

/* Use-cases: blob left (medium), ::before right-bottom (small) */
.wu-page .use-cases-blob {
  background: rgba(255,221,0,.1);
  width: 180px; height: 180px;
  top: 5%; left: -40px;
}
.wu-page .use-cases::before {
  background: rgba(245,166,35,.08);
  width: 110px; height: 110px;
  bottom: 10%; right: 3%;
}

/* Between use-cases and how-it-works: add blob via use-cases::after */
.wu-page .use-cases::after {
  content: '';
  position: absolute;
  width: 200px; height: 200px;
  bottom: -70px; left: 30%;
  background: rgba(255,221,0,.07);
  border-radius: 40% 60% 50% 50% / 55% 45% 55% 45%;
  z-index: 0;
  pointer-events: none;
  animation: floatBlob 12s ease-in-out infinite;
  animation-delay: -4s;
}

/* How-it-works: large bottom-right, small top-left */
.wu-page .how-it-works::before {
  background: rgba(255,221,0,.09);
  width: 280px; height: 280px;
  bottom: -70px; right: -60px;
}
.wu-page .how-it-works::after {
  background: rgba(245,166,35,.07);
  width: 100px; height: 100px;
  top: 10%; left: 5%;
}

/* Between how-it-works and faq: add a medium blob */
.wu-page .faq::after {
  background: rgba(245,166,35,.07);
  width: 160px; height: 160px;
  bottom: -40px; left: 15%;
}

/* Remove white backgrounds so blobs flow between sections */
.wu-page .how-it-works,
.wu-page .faq,
.wu-page .use-cases {
  background: transparent;
}

/* FAQ: medium center-right, medium bottom-left (via ::after above) */
.wu-page .faq::before {
  background: rgba(255,221,0,.07);
  width: 180px; height: 180px;
  top: 30%; right: -30px;
}

/* Between faq and pre-footer: small accent blob */
.wu-page 
.wu-page 

.hero-phone { position: relative; z-index: 2; }
.hero-float {
  position: absolute;
  z-index: 3;
  animation: float 4s ease-in-out infinite;
}
.float-1 { top: 10%; right: -5%; width: 120px; }
.float-2 { bottom: 15%; left: -5%; width: 140px; animation-delay: -1.5s; }
.float-3 { top: -8%; left: 10%; width: 180px; animation-delay: -3s; z-index: 1; }

@keyframes float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-12px); }
}

/* ---------- 4. SOCIAL PROOF ---------- */
.social-proof {
  position: relative;
  padding: 80px 0;
  text-align: center;
  color: #fff;
  background: linear-gradient(160deg, rgba(26,50,40,0.88), rgba(30,60,48,0.92)),
              url('/images/Group-1707490245-2.webp') center top/cover no-repeat;
  background-color: #00254E;
  overflow: hidden;
}
.social-proof .section-heading { margin-bottom: 48px; color: #fff; }
.social-proof .underline-accent { color: #FF7900; }
.proof-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.proof-card {
  padding: 40px 28px;
  border-radius: 16px;
  text-align: center;
}
.proof-card.glass {
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.15);
  -webkit-backdrop-filter: blur(16px);
  backdrop-filter: blur(16px);
  box-shadow: 0 4px 30px rgba(0,0,0,.15);
  transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease, background .3s ease;
}
.proof-card.glass:hover {
  transform: scale(1.04) translateY(-4px);
  background: rgba(255,255,255,.14);
  border-color: rgba(255,255,255,.3);
  box-shadow: 0 8px 40px rgba(0,61,165,.12), 0 4px 30px rgba(0,0,0,.2);
}
@media (hover: none) {
  .proof-card.glass:active {
    transform: scale(0.97);
    transition-duration: .1s;
  }
}
@supports not (backdrop-filter: blur(16px)) {
  .proof-card.glass { background: rgba(40,70,55,.75); }
}
.proof-icon { margin-bottom: 16px; color: #fff; }
.proof-icon svg { display: block; margin: 0 auto; }
.proof-icon img { margin: 0 auto; filter: brightness(0) invert(1); }
.proof-card h3 { font-size: 1.2rem; font-weight: 700; margin-bottom: 8px; color: #fff; }
.proof-card p { color: rgba(255,255,255,.75); font-size: .9rem; }
.proof-grid { position: relative; z-index: 1; }
.social-proof .section-heading { position: relative; z-index: 1; }

/* Social-proof blobs */
.social-proof::before,
.social-proof::after {
  content: '';
  position: absolute;
  background: rgba(0,61,165,.05);
  z-index: 0;
  pointer-events: none;
  animation: floatBlob 10s ease-in-out infinite;
}
.social-proof::before {
  width: 200px; height: 200px;
  top: -50px; right: -30px;
  border-radius: 50%;
  animation-delay: -2s;
}
.social-proof::after {
  width: 150px; height: 130px;
  bottom: -40px; left: -20px;
  border-radius: 40% 60% 50% 50% / 50% 40% 60% 50%;
  animation-delay: -6s;
}

/* ---------- 5. FEATURES ---------- */
.features {
  position: relative;
  padding: 80px 0;
  background: #fff;
}
.features::before { display: none; }
.features::after {
  content: '';
  position: absolute;
  width: 300px; height: 300px;
  bottom: -100px; left: -60px;
  background: rgba(0,61,165,.05);
  border-radius: 40% 60% 50% 50% / 60% 40% 50% 50%;
  z-index: 0;
  pointer-events: none;
  animation: floatBlob 12s ease-in-out infinite;
  animation-delay: -6s;
}
.features-blob {
  position: absolute;
  width: 90px; height: 90px;
  top: 15%; right: 8%;
  background: rgba(0,61,165,.06);
  border-radius: 50% 40% 60% 30% / 40% 50% 30% 60%;
  z-index: 0;
  pointer-events: none;
  animation: floatBlob 9s ease-in-out infinite;
  animation-delay: -3s;
}
.features-grid { position: relative; z-index: 1; }
.features-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.features-image { display: flex; justify-content: center; }
.features-image > img { width: 100%; height: 500px; object-fit: cover; }
.features-phone { max-width: 420px; }
.features-content p { color: #555; margin-bottom: 28px; }
.feature-cards { display: flex; flex-direction: column; gap: 16px; margin-bottom: 28px; }
.feature-card {
  padding: 20px 24px;
  border-radius: 12px;
  border: 1px solid #e5e5e5;
  background: #fff;
  transition: box-shadow .2s, border-color .2s;
}
.feature-card:hover {
  border-color: #FF7900;
  box-shadow: 0 4px 16px rgba(0,61,165,.10);
}
.feature-card h3, .feature-card h4 { font-size: 1rem; font-weight: 600; margin-bottom: 4px; }
.feature-card p { color: #555; font-size: .88rem; margin-bottom: 0; }
.features-cta { display: flex; align-items: center; gap: 20px; }
.features-link {
  font-weight: 500;
  color: #00254E;
  border-bottom: 2px solid #00254E;
  transition: color .2s, border-color .2s;
}
.features-link:hover { color: #FF7900; border-color: #FF7900; }

/* ---------- 6. APP PROMO ---------- */
.app-promo {
  position: relative;
  background: linear-gradient(160deg, #1a3a2e 0%, #122e22 40%, #0a1f16 100%);
  color: #fff;
  padding: 100px 0;
  text-align: center;
  overflow: hidden;
}
/* Radial center glow */
.app-promo::before {
  content: '';
  position: absolute;
  top: 0; left: 50%;
  transform: translateX(-50%);
  width: 80%; height: 60%;
  background: radial-gradient(ellipse at center, rgba(255,197,43,.14) 0%, transparent 70%);
  pointer-events: none;
  z-index: 0;
}
/* Floating accent blob */
.app-promo::after {
  content: '';
  position: absolute;
  bottom: -60px; right: 5%;
  width: 200px; height: 200px;
  background: rgba(0,61,165,.06);
  border-radius: 40% 60% 50% 50% / 50% 40% 60% 50%;
  animation: floatBlob 10s ease-in-out infinite;
  animation-delay: -3s;
  pointer-events: none;
  z-index: 0;
}
.app-promo-inner { max-width: 900px; margin: 0 auto; position: relative; z-index: 1; }
.app-screenshot {
  position: relative;
  margin: 0 auto 48px;
  max-width: 650px;
}
.app-screenshot img {
  position: relative;
  z-index: 2;
}
/* White lozenge shape behind the image */
.app-screenshot::before {
  content: '';
  position: absolute;
  left: 5%; right: 5%;
  top: 30%;
  bottom: -5%;
  background: rgba(255,255,255,.9);
  border-radius: 200px;
  z-index: 1;
  box-shadow: 0 10px 40px rgba(0,0,0,.15);
}
.app-promo h2 {
  font-size: clamp(2rem, 5vw, 2.75rem);
  font-weight: 800;
  margin-bottom: 16px;
  line-height: 1.2;
}
.app-promo .underline-accent { color: #fff; }
.app-promo p { color: rgba(255,255,255,.75); margin-bottom: 28px; font-size: 1.05rem; }
.app-cta { margin-bottom: 32px; }
.app-promo .app-note { font-size: .7rem; color: rgba(255,255,255,.65); margin-top: 8px; margin-bottom: 0; font-style: italic; }
.app-mobile-img { display: none; }

/* ---------- 7. HOW IT WORKS ---------- */
.how-it-works {
  position: relative;
  padding: 80px 0;
  background: #fff;
}
.how-it-works::before {
  content: '';
  position: absolute;
  width: 320px; height: 320px;
  bottom: -80px; right: -80px;
  background: rgba(0,61,165,.05);
  border-radius: 50% 40% 60% 30% / 40% 50% 30% 60%;
  z-index: 0;
  animation: floatBlob 10s ease-in-out infinite;
  animation-delay: -2s;
}
.how-it-works::after {
  content: '';
  position: absolute;
  width: 80px; height: 80px;
  top: 15%; left: 8%;
  background: rgba(0,61,165,.05);
  border-radius: 60% 40% 30% 70% / 50% 60% 50% 40%;
  z-index: 0;
  pointer-events: none;
  animation: floatBlob 8s ease-in-out infinite;
  animation-delay: -6s;
}
.how-grid { position: relative; z-index: 1; }
.how-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
}
.how-left p { color: #555; margin-bottom: 32px; }

.testimonial-card {
  background: #f8f8f8;
  border-radius: 16px;
  padding: 28px;
}
.testimonial-header {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 16px;
}
.testimonial-avatar { border-radius: 50%; width: 55px; height: 55px; }
.testimonial-name { display: block; font-weight: 600; margin-bottom: 4px; }
.testimonial-quote {
  font-style: italic;
  color: #444;
  line-height: 1.6;
}

.how-right { display: flex; flex-direction: column; gap: 20px; }
.step-card {
  display: flex;
  align-items: center;
  gap: 20px;
  padding: 24px;
  border-radius: 16px;
  border: 1px solid #e5e5e5;
  background: #fff;
  transition: box-shadow .2s, border-color .2s;
}
.step-card:hover {
  border-color: #FF7900;
  box-shadow: 0 4px 20px rgba(0,61,165,.08);
}
.step-card > img { flex-shrink: 0; width: 64px; height: 64px; }
.step-label {
  display: flex;
  align-items: center;
  gap: 8px;
  font-weight: 600;
  font-size: 1.05rem;
  margin-bottom: 6px;
}
.step-label img { width: 24px; height: 24px; }
.step-card p { color: #555; font-size: .9rem; }

/* ---------- 8. EDUCATION CAROUSEL ---------- */
.education {
  position: relative;
  padding: 80px 0;
  background: #F7F9FC;
  overflow: hidden;
}
.education::before {
  content: '';
  position: absolute;
  width: 240px; height: 240px;
  top: -80px; left: -50px;
  background: rgba(0,61,165,.06);
  border-radius: 50%;
  z-index: 0;
  animation: floatBlob 11s ease-in-out infinite;
  animation-delay: -4s;
}
.education .section-heading { text-align: center; }
.education .section-sub { text-align: center; margin: 0 auto 40px; }

.carousel { position: relative; overflow: hidden; }
.carousel-track {
  display: flex;
  transition: transform .4s ease;
  gap: 24px;
}
.carousel-slide { flex: 0 0 calc(33.333% - 16px); min-width: 0; }

.article-card {
  display: block;
  background: #fff;
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 2px 12px rgba(0,0,0,.06);
  transition: transform .2s, box-shadow .2s;
  color: inherit;
  text-decoration: none;
}
.article-card:hover { transform: translateY(-4px); box-shadow: 0 8px 24px rgba(0,0,0,.1); }
.article-card:hover p { color: #FF7900; }
.article-card img { width: 100%; aspect-ratio: 361/176; object-fit: cover; display: block; }
.article-card p { padding: 20px; font-weight: 500; font-size: .95rem; transition: color .2s; }

.carousel-dots {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-top: 32px;
  min-height: 10px;
}
.carousel-dots .dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: #ccc;
  cursor: pointer;
  transition: background .2s;
}
.carousel-dots .dot.active { background: #FF7900; }

.education-cta { text-align: center; margin-top: 40px; }

/* ---------- 9. FAQ ---------- */
.faq { padding: 80px 0; position: relative; background: #fff; }
.faq-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
}
.faq-left .section-heading { font-size: clamp(1.8rem, 5vw, 2.5rem); }
.faq-left > p { color: #555; margin-bottom: 32px; }

.faq-contact-card {
  background: linear-gradient(135deg, #F7F9FC, #EAEEF4);
  border-radius: 20px;
  padding: 32px;
  text-align: center;
}
.faq-contact-card img { margin: 0 auto 16px; width: 120px; height: 120px; }
.faq-contact-card h3 { font-size: 1.2rem; font-weight: 700; margin-bottom: 4px; }
.faq-contact-card p { color: #555; margin-bottom: 16px; }

.faq-item {
  border-bottom: 1px solid #e5e5e5;
}
.faq-item summary {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 0;
  font-weight: 600;
  font-size: 1rem;
  cursor: pointer;
  list-style: none;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-arrow {
  transition: transform .3s;
  font-size: 1.2rem;
  color: #666;
}
.faq-item[open] .faq-arrow { transform: rotate(180deg); }
.faq-answer {
  padding: 0 0 20px;
  color: #555;
  line-height: 1.7;
}
.faq::after {
  content: '';
  position: absolute;
  width: 180px; height: 180px;
  bottom: -50px; left: -30px;
  background: rgba(0,61,165,.04);
  border-radius: 50% 40% 60% 30% / 40% 60% 30% 50%;
  z-index: 0;
  pointer-events: none;
  animation: floatBlob 10s ease-in-out infinite;
  animation-delay: -7s;
}
.faq-grid { position: relative; z-index: 1; }

/* FAQ blob */
.faq::before {
  content: '';
  position: absolute;
  width: 280px; height: 280px;
  top: -60px; right: -70px;
  background: rgba(0,61,165,.04);
  border-radius: 30% 70% 60% 40% / 50% 40% 60% 50%;
  z-index: 0;
  pointer-events: none;
  animation: floatBlob 11s ease-in-out infinite;
  animation-delay: -3s;
}

/* ---------- 10. TRUST MARQUEE ---------- */
.marquee {
  padding: 48px 0;
  overflow: hidden;
  background: #fafafa;
  max-width: 100vw;
}
.marquee-track {
  display: flex;
  align-items: center;
  gap: 72px;
  padding-right: 72px;            /* trailing gap → makes the -25% loop land exactly on a copy */
  animation: scroll-marquee 28s linear infinite;
  width: max-content;
}
.marquee-track a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 150px;               /* uniform cells → steady visual rhythm */
  flex-shrink: 0;
}
.marquee-track img {
  width: auto;
  flex-shrink: 0;
  opacity: 1;
  transition: transform 0.2s ease;
}
/* Square badges need more height than wordmarks to feel the same weight */
.marquee-track .mq-badge { height: 60px; }
.marquee-track .mq-wordmark { height: 36px; }

.marquee-track a:hover img,
.marquee-track a:focus-visible img {
  transform: scale(1.08);
}

/* Pause animation on hover/focus so logos are actually clickable */
.marquee:hover .marquee-track,
.marquee:focus-within .marquee-track {
  animation-play-state: paused;
}

/* Respect reduced motion preference */
@media (prefers-reduced-motion: reduce) {
  .marquee-track {
    animation: none;
    justify-content: center;
    flex-wrap: wrap;
    gap: 32px;
    width: auto;
  }
}

@keyframes scroll-marquee {
  0% { transform: translateX(0); }
  100% { transform: translateX(-25%); }   /* shift by one copy of 4 → seamless (4 copies in DOM) */
}

/* ---------- 11. PRE-FOOTER CTA ---------- */
.pre-footer {
  padding: 100px 0;
  background: linear-gradient(to right, #FF7900 0%, #FF7900 50%, #FFD54F 100%);
  color: #00254E;
  text-align: center;
  position: relative;
}
/* Pre-footer blob */

.pre-footer-inner { position: relative; z-index: 1; }
.pre-footer-inner img { margin: 0 auto 24px; }
.pre-footer h2 { font-size: 2.25rem; font-weight: 700; margin-bottom: 32px; }

/* ---------- 12. FOOTER ---------- */
.site-footer {
  background: #00254E;
  color: rgba(255,255,255,.7);
  padding: 60px 0 32px;
}
.footer-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 40px;
  margin-bottom: 48px;
}
.footer-col h3 {
  color: #fff;
  font-size: .85rem;
  font-weight: 600;
  letter-spacing: .04em;
  margin-bottom: 16px;
}
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col a { font-size: .9rem; transition: color .2s; }
.footer-col a:hover { color: #FF7900; }
.footer-col p { font-size: .9rem; margin-bottom: 6px; }

.footer-signup { display: flex; gap: 8px; margin-bottom: 8px; }
.footer-signup input {
  flex: 1;
  padding: 10px 14px;
  border-radius: 50px;
  border: 1px solid rgba(255,255,255,.2);
  background: rgba(255,255,255,.05);
  color: #fff;
  font-size: .88rem;
}
.footer-signup input::placeholder { color: rgba(255,255,255,.4); }
.footer-app-text { font-size: .85rem; margin-bottom: 12px; }
.app-buttons { display: flex; gap: 8px; }
.app-buttons img { width: 120px; height: auto; }

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 24px 0;
  border-top: 1px solid rgba(255,255,255,.1);
  border-bottom: 1px solid rgba(255,255,255,.1);
  margin-bottom: 24px;
}
.footer-bottom-left { display: flex; align-items: center; gap: 16px; }
.footer-bottom-left > a:first-child img { width: 160px; height: auto; }
.footer-badge img { height: 65px; width: auto; }
.footer-bottom-links { display: flex; gap: 24px; font-size: .85rem; }
.footer-bottom-links a:hover { color: #fff; }

.footer-legal { text-align: center; font-size: .8rem; margin-bottom: 24px; }
.footer-legal a { text-decoration: underline; text-underline-offset: 2px; }
.footer-legal p { margin-bottom: 4px; }

.footer-social {
  display: flex;
  justify-content: center;
  gap: 16px;
}
.footer-social a { transition: opacity .2s; }
.footer-social a:hover { opacity: .7; }
.footer-social img { width: 36px; height: 36px; }

/* ---------- SCROLL ANIMATIONS ---------- */
.animate-on-scroll {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity .6s ease, transform .6s ease;
}
.animate-on-scroll.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ---------- ACCESSIBILITY ---------- */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
  html { scroll-behavior: auto; }
  .animate-on-scroll { opacity: 1; transform: none; }
}

/* ---------- INNER PAGES ---------- */

/* Loan Calculator */
.loan-calc {
  background: #fff;
  border-radius: 20px;
  padding: 24px 28px;
  box-shadow: 0 8px 40px rgba(0,0,0,.1);
  max-width: 400px;
  width: 100%;
}
.loan-calc h2, .loan-calc h3 {
  font-size: 1.15rem;
  font-weight: 700;
  color: #00254E;
  margin-bottom: 16px;
  text-align: center;
}
.calc-field { margin-bottom: 16px; }
.calc-field label {
  display: block;
  font-size: .85rem;
  color: #555;
  margin-bottom: 8px;
  text-align: center;
}
.calc-amount {
  font-size: 2rem;
  font-weight: 800;
  color: #FF7900;
  text-align: center;
  margin-bottom: 8px;
  line-height: 1;
}
/* Range slider styling */
.calc-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 8px;
  border-radius: 4px;
  background: linear-gradient(to right, #FF7900 var(--fill, 100%), #e5e5e5 var(--fill, 100%));
  outline: none;
  cursor: pointer;
}
.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: #FF7900;
  border: 4px solid #fff;
  box-shadow: 0 2px 8px rgba(0,0,0,.15);
  cursor: pointer;
  transition: transform .15s;
}
.calc-slider::-webkit-slider-thumb:hover { transform: scale(1.15); }
.calc-slider::-moz-range-thumb {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: #FF7900;
  border: 4px solid #fff;
  box-shadow: 0 2px 8px rgba(0,0,0,.15);
  cursor: pointer;
}
.calc-range-labels {
  display: flex;
  justify-content: space-between;
  font-size: .78rem;
  color: #666;
  margin-top: 6px;
}
/* Summary section */
.calc-summary {
  background: #f8f9fa;
  border-radius: 12px;
  padding: 12px 16px;
  margin-bottom: 16px;
}
.calc-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 6px 0;
  font-size: .85rem;
  color: #555;
}
.calc-row span:last-child { font-weight: 600; color: #00254E; }
.calc-total { font-size: 1.05rem; }
.calc-total span:last-child { color: #FF7900; font-weight: 700; }
.calc-due span:last-child { font-size: .85rem; font-weight: 500; line-height: 1.3; text-align: center; }
.calc-due small { font-size: .75rem; color: #666; font-weight: 400; }
.calc-divider {
  height: 1px;
  background: #e5e5e5;
  margin: 4px 0;
}
.calc-cta {
  display: block;
  width: 100%;
  text-align: center;
  font-size: .95rem;
  padding: 12px 20px;
}
.calc-disclaimer {
  text-align: center;
  font-size: .72rem;
  color: #666;
  margin-top: 8px;
}

/* Page hero — shorter variant for inner pages */
.page-hero {
  padding: 60px 0 80px;
  background: linear-gradient(180deg, #F7F9FC 0%, #EAEEF4 40%, #F7F9FC 100%);
  position: relative;
}
.page-hero-blob-1,
.page-hero-blob-2,
.page-hero-blob-3 {
  position: absolute;
  background: rgba(0,61,165,.06);
  z-index: 0;
  pointer-events: none;
  animation: floatBlob 10s ease-in-out infinite;
}
.page-hero-blob-1 {
  width: 320px; height: 320px;
  bottom: -80px; left: -80px;
  border-radius: 60% 40% 50% 50% / 50% 60% 40% 50%;
  animation-delay: -2s;
}
.page-hero-blob-2 {
  width: 100px; height: 100px;
  top: 20%; right: 5%;
  border-radius: 40% 60% 30% 70% / 60% 40% 60% 40%;
  animation-delay: -5s;
}
.page-hero-blob-3 {
  width: 180px; height: 180px;
  top: 50%; left: 15%;
  border-radius: 50% 30% 60% 40% / 40% 60% 30% 50%;
  animation-delay: -7s;
}
.page-hero .hero-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}

/* Features composite (photo + phone mockup) */
.features-composite {
  position: relative;
  width: 100%;
}
.composite-photo {
  width: 62%;
  min-height: 420px;
  object-fit: cover;
  object-position: center 25%;
  border-radius: 20px;
  display: block;
  box-shadow: 0 4px 24px rgba(0,0,0,.08);
}
.composite-phone {
  position: absolute;
  right: -6%;
  top: 50%;
  transform: translateY(-50%);
  width: 52%;
  background: #00254E;
  border-radius: 36px;
  padding: 6px 6px 8px;
  box-shadow: 0 20px 60px rgba(0,0,0,.25), 0 4px 16px rgba(0,0,0,.1);
}
.composite-phone-island {
  width: 36%;
  height: 22px;
  background: #000;
  border-radius: 20px;
  margin: 6px auto 6px;
}
.composite-phone-screen {
  background: #fff;
  border-radius: 30px;
  padding: 24px 18px;
  text-align: center;
}
.composite-logo {
  height: 22px;
  width: auto;
  display: block;
  margin: 0 auto 14px;
}
.composite-heading {
  font-size: 1.3rem;
  font-weight: 800;
  color: #00254E;
  margin-bottom: 16px;
  line-height: 1.2;
}
.composite-illustration {
  background: #ede7f6;
  border-radius: 16px;
  padding: 24px;
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.composite-illustration svg { width: 100%; height: auto; max-width: 160px; }
.composite-subtext {
  font-size: .8rem;
  color: #666;
  margin-bottom: 4px;
}
.composite-amount {
  font-size: 1.5rem;
  font-weight: 800;
  color: #00254E;
  margin-bottom: 14px;
}
.composite-btn {
  display: block;
  background: #00254E;
  color: #fff;
  font-weight: 700;
  font-size: .85rem;
  padding: 12px 20px;
  border-radius: 50px;
  text-decoration: none;
  border: none;
  transition: background .2s;
}
.composite-btn:hover { background: #333; }

/* Use Cases grid */
.use-cases {
  padding: 80px 0;
  background: linear-gradient(180deg, #F7F9FC 0%, #f7fdf9 50%, #F7F9FC 100%);
  position: relative;
}
.use-cases-blob {
  position: absolute;
  width: 200px; height: 200px;
  top: 10%; left: -50px;
  background: rgba(0,61,165,.06);
  border-radius: 60% 40% 50% 50% / 50% 60% 40% 50%;
  z-index: 0;
  pointer-events: none;
  animation: floatBlob 10s ease-in-out infinite;
  animation-delay: -4s;
}
.use-cases::before {
  content: '';
  position: absolute;
  width: 100px; height: 100px;
  bottom: 20%; right: 5%;
  background: rgba(0,61,165,.05);
  border-radius: 50% 30% 60% 40% / 40% 50% 40% 60%;
  z-index: 0;
  pointer-events: none;
  animation: floatBlob 9s ease-in-out infinite;
  animation-delay: -2s;
}
.use-cases-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.use-case-card {
  background: #fff;
  border: 1px solid #eee;
  border-radius: 16px;
  padding: 32px 20px;
  text-align: center;
  transition: box-shadow .2s, transform .2s;
}
.use-case-card:hover {
  box-shadow: 0 8px 24px rgba(0,0,0,.08);
  transform: translateY(-2px);
}
.use-case-icon {
  width: 100px;
  height: 100px;
  background: #f5f5f5;
  border-radius: 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}
.use-case-card h3, .use-case-card h4 {
  font-size: 1rem;
  font-weight: 700;
  color: #00254E;
  margin: 0;
}

/* Requirements section */
.requirements::before {
  content: '';
  position: absolute;
  width: 100px; height: 100px;
  top: 10%; right: 10%;
  background: rgba(0,61,165,.05);
  border-radius: 30% 60% 50% 40% / 50% 30% 60% 50%;
  z-index: 0;
  pointer-events: none;
  animation: floatBlob 9s ease-in-out infinite;
  animation-delay: -3s;
}
.requirements {
  padding: 80px 0;
  background: linear-gradient(180deg, #F7F9FC 0%, #EAEEF4 50%, #F7F9FC 100%);
  position: relative;
}
.requirements-blob {
  position: absolute;
  width: 180px; height: 180px;
  top: 40%; left: -50px;
  background: rgba(0,61,165,.06);
  border-radius: 40% 60% 30% 70% / 60% 40% 60% 40%;
  z-index: 0;
  pointer-events: none;
  animation: floatBlob 11s ease-in-out infinite;
  animation-delay: -5s;
}
.requirements-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.requirement-card {
  background: #fff;
  border: 1px solid #e5e5e5;
  border-radius: 16px;
  padding: 28px 20px;
  text-align: center;
  transition: border-color .3s, box-shadow .3s;
}
.requirement-card:hover {
  border-color: #FF7900;
  box-shadow: 0 4px 20px rgba(0,61,165,.10);
}
.requirement-card h3, .requirement-card h4 { font-size: 1rem; font-weight: 700; margin-bottom: 8px; color: #00254E; }
.requirement-card p { color: #555; font-size: .88rem; }

/* ---------- LOAN PRODUCTS (Landing Page) ---------- */
.loan-products { padding: 80px 0; }
.loan-products .section-heading { text-align: center; }
.loan-products .section-subtitle { text-align: center; color: #555; max-width: 600px; margin: 0 auto 48px; }
.loan-products-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 32px;
}
.loan-product-card {
  background: #fff;
  border-radius: 16px;
  padding: 40px;
  box-shadow: 0 2px 16px rgba(0,0,0,.06);
  border: 1px solid #e5e5e5;
  transition: transform .2s, box-shadow .2s, border-color .3s;
}
.loan-product-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 32px rgba(0,0,0,.1);
  border-color: #FF7900;
}
.loan-product-icon {
  width: 64px;
  height: 64px;
  border-radius: 16px;
  background: linear-gradient(135deg, #EAEEF4 0%, #EFF3FC 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}
.loan-product-card h3 { font-size: 1.5rem; font-weight: 700; margin-bottom: 12px; color: #00254E; }
.loan-product-card > p { color: #555; margin-bottom: 20px; line-height: 1.7; }
.loan-product-card ul { list-style: none; padding: 0; margin: 0 0 24px; }
.loan-product-card ul li {
  padding: 6px 0;
  color: #555;
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: .95rem;
}
.loan-product-card ul li svg { flex-shrink: 0; }
.loan-product-card .btn-learn-more {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: #FF7900;
  font-weight: 600;
  font-size: .95rem;
  transition: gap .2s;
}
.loan-product-card .btn-learn-more:hover { gap: 10px; }

/* ---------- ABOUT PAGE ---------- */
.about-stats { padding: 80px 0; background: linear-gradient(180deg, #F7F9FC 0%, #fff 100%); }
.about-stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  margin-top: 48px;
}
.about-stat-card { text-align: center; padding: 32px 20px; }
.about-stat-icon {
  width: 64px;
  height: 64px;
  border-radius: 16px;
  background: linear-gradient(135deg, #EAEEF4 0%, #EFF3FC 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}
.about-stat-card h3 { font-size: 1.5rem; font-weight: 800; color: #FF7900; margin-bottom: 8px; }
.about-stat-card p { color: #555; font-size: .9rem; }

.about-testimonials { padding: 80px 0; }
.about-testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}
.about-testimonial-card {
  background: #fff;
  border: 1px solid #e5e5e5;
  border-radius: 16px;
  padding: 32px;
  transition: border-color .3s, box-shadow .3s;
}
.about-testimonial-card:hover {
  border-color: #FF7900;
  box-shadow: 0 4px 20px rgba(0,61,165,.10);
}
.about-testimonial-card .testimonial-stars { margin-bottom: 12px; }
.about-testimonial-card blockquote {
  color: #555;
  font-size: .95rem;
  line-height: 1.7;
  margin-bottom: 16px;
  font-style: italic;
}
.about-testimonial-card .testimonial-author { font-weight: 600; color: #00254E; font-size: .9rem; }

.about-community { padding: 80px 0; text-align: center; }
.about-community p { color: #555; max-width: 700px; margin: 0 auto 32px; line-height: 1.7; }
.about-community .hero-badges { justify-content: center; }

/* ---------- LOCATIONS PAGE ---------- */
.locations-map { padding: 0 0 60px; }
.locations-map iframe { width: 100%; height: 450px; border: 0; border-radius: 16px; box-shadow: 0 2px 16px rgba(0,0,0,.08); }

.locations-stores { padding: 0 0 80px; }
.locations-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 32px;
}
.location-card {
  background: #fff;
  border: 1px solid #e5e5e5;
  border-radius: 16px;
  padding: 32px;
  transition: border-color .3s, box-shadow .3s;
}
.location-card:hover { border-color: #FF7900; box-shadow: 0 4px 20px rgba(0,61,165,.10); }
.location-badge {
  display: inline-block;
  padding: 4px 12px;
  border-radius: 20px;
  font-size: .8rem;
  font-weight: 600;
  margin-bottom: 12px;
}
.location-badge.open { background: #EAEEF4; color: #FF7900; }
.location-badge.coming-soon { background: #fff3cd; color: #856404; }
.location-card h3 { font-size: 1.25rem; font-weight: 700; margin-bottom: 12px; color: #00254E; }
.location-card p { color: #555; margin-bottom: 8px; font-size: .95rem; }
.location-card .location-actions { display: flex; gap: 12px; margin-top: 20px; flex-wrap: wrap; }

.locations-cities { padding: 80px 0; background: linear-gradient(180deg, #F7F9FC 0%, #fff 100%); }
.locations-cities-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
  margin-top: 32px;
}
.locations-cities-grid a {
  display: block;
  padding: 12px 16px;
  background: #fff;
  border: 1px solid #e5e5e5;
  border-radius: 8px;
  color: #00254E;
  font-size: .9rem;
  font-weight: 500;
  transition: background .2s, color .2s, border-color .2s;
}
.locations-cities-grid a:hover { background: #FF7900; color: #fff; border-color: #FF7900; }

/* City SEO Pages */
.city-services { padding: 80px 0; }
.city-services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}
.city-nearest { padding: 60px 0; background: #f8f9fa; }
.city-nearest .location-card { max-width: 500px; margin: 24px auto 0; }
.city-other-cities { padding: 60px 0; }

/* ---------- CONTACT US ---------- */
.contact-hero-layout {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: 48px;
  align-items: center;
  padding: 80px 0 60px;
}
.contact-hero-content h1 { font-size: clamp(2rem, 5vw, 3rem); margin-bottom: 24px; }
.contact-hero-image {
  position: relative;
  overflow: visible;
}
.contact-image-blob {
  position: absolute;
  width: 500px; height: 500px;
  top: -50px; right: -70px;
  background: rgba(0,61,165,.08);
  border-radius: 50%;
  z-index: 0;
  pointer-events: none;
  animation: floatBlob 10s ease-in-out infinite;
  animation-delay: -3s;
}
.contact-hero-image img {
  position: relative;
  z-index: 1;
  width: 100%;
  height: 580px;
  object-fit: cover;
  display: block;
  border-radius: 20px;
}

/* Contact Form */
.contact-form { display: flex; flex-direction: column; gap: 16px; }
.contact-form .form-group { display: flex; flex-direction: column; gap: 4px; }
.contact-form label { font-size: .8rem; color: #666; font-weight: 500; }
.contact-form input,
.contact-form select,
.contact-form textarea {
  width: 100%; padding: 12px 16px;
  border: 1px solid #ddd; border-radius: 8px;
  font-family: inherit; font-size: .95rem;
  transition: border-color .2s;
  background: #fff;
}
.contact-form input:focus,
.contact-form select:focus,
.contact-form textarea:focus { outline: none; border-color: #FF7900; }
.contact-form textarea { resize: vertical; min-height: 120px; }
.contact-form .form-row-3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 12px; }
.btn-submit {
  background: #FF7900; color: #fff; font-weight: 600;
  padding: 14px 40px; border-radius: 50px; border: none;
  font-family: inherit; font-size: .95rem; cursor: pointer;
  transition: background .2s, transform .15s;
}
.btn-submit:hover { background: #12a84f; transform: translateY(-1px); }

/* Contact Info Bar */
.contact-info-bar { padding: 60px 0; border-top: 1px solid #eee; border-bottom: 1px solid #eee; }
.contact-info-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; }
.contact-info-item { display: flex; gap: 16px; }
.contact-info-icon { flex-shrink: 0; width: 40px; height: 40px; background: #EAEEF4; border-radius: 50%; display: flex; align-items: center; justify-content: center; }
.contact-info-item h2, .contact-info-item h3 { font-size: 1.1rem; margin-bottom: 8px; font-weight: 700; }
.contact-info-item p { font-size: .9rem; color: #555; line-height: 1.7; margin-bottom: 2px; }
.contact-info-item a { color: #FF7900; font-weight: 500; }

/* Visit Us */
.contact-visit { padding: 80px 0; background: linear-gradient(180deg, #F7F9FC 0%, #EAEEF4 50%, #F7F9FC 100%); }
.contact-visit-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.contact-visit-map { border-radius: 16px; overflow: hidden; min-height: 350px; }
.contact-visit-content h2 { font-size: clamp(1.8rem, 4vw, 2.5rem); margin-bottom: 16px; }
.contact-visit-content p { color: #555; font-size: 1.05rem; line-height: 1.6; }


/* ---------- ARTICLE FEATURED IMAGE ---------- */
.article-featured-image {
  max-width: 800px;
  margin: -40px auto 0;
  padding: 0 16px;
  position: relative;
  z-index: 1;
}
.article-featured-image img {
  width: 100%;
  aspect-ratio: 2/1;
  object-fit: cover;
  border-radius: 16px;
  box-shadow: 0 8px 32px rgba(0,0,0,.12);
}

/* ---------- MONEY TIPS ---------- */
.tips-category { padding: 80px 0; }
.tips-category:nth-child(odd) { background: #F7F9FC; }
.tips-category .section-heading { text-align: center; }
.tips-category > .container > p { text-align: center; color: #555; max-width: 600px; margin: 0 auto 48px; }
.tips-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.tip-card {
  background: #fff;
  border-radius: 16px;
  overflow: hidden;
  border: 1px solid #e5e5e5;
  box-shadow: 0 2px 12px rgba(0,0,0,.06);
  transition: transform .2s, box-shadow .2s, border-color .3s;
  display: flex;
  flex-direction: column;
  text-decoration: none;
  color: inherit;
}
.tip-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 24px rgba(0,0,0,.1);
  border-color: #FF7900;
}
.tip-card-icon {
  height: 180px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 3.5rem;
}
.tip-card-img {
  aspect-ratio: 5/3;
  overflow: hidden;
}
.tip-card-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform .3s;
}
.tip-card:hover .tip-card-img img { transform: scale(1.05); }
.tip-card-icon.bg-green { background: linear-gradient(135deg, #EAEEF4 0%, #EFF3FC 100%); }
.tip-card-icon.bg-blue { background: linear-gradient(135deg, #e8f0fa 0%, #d4e5f5 100%); }
.tip-card-icon.bg-orange { background: linear-gradient(135deg, #fef3e2 0%, #fde5c0 100%); }
.tip-card-content {
  padding: 24px;
  flex: 1;
  display: flex;
  flex-direction: column;
}
.tip-card-content h3 {
  font-size: 1.05rem;
  font-weight: 600;
  color: #00254E;
  margin-bottom: 8px;
  line-height: 1.4;
}
.tip-card-content p {
  font-size: .9rem;
  color: #555;
  line-height: 1.6;
  margin-bottom: 16px;
  flex: 1;
}
.tip-card-content .read-more {
  font-size: .9rem;
  font-weight: 600;
  color: #FF7900;
  text-decoration: none;
  transition: color .2s;
}
.tip-card-content .read-more:hover { color: #FF7900; }

/* Article pages */
.article-meta {
  display: flex;
  gap: 12px;
  margin-bottom: 24px;
}
.article-meta span {
  display: inline-block;
  padding: 4px 14px;
  border-radius: 20px;
  font-size: .82rem;
  font-weight: 500;
}
.article-meta .meta-category {
  background: #EAEEF4;
  color: #D96900;
}
.article-meta .meta-date {
  background: #f3f4f6;
  color: #555;
}
.related-articles { padding: 60px 0; background: #F7F9FC; }
.related-articles .section-heading { text-align: center; }
.related-articles .tips-grid { margin-top: 32px; }

/* ---------- LEGAL / COMPLIANCE PAGES ---------- */
.legal-content {
  max-width: 820px;
  margin: 0 auto;
  padding: 60px 0 80px;
}
.legal-content .effective-date {
  display: inline-block;
  background: #f0fdf4;
  border: 1px solid #bbf7d0;
  color: #D96900;
  padding: 8px 18px;
  border-radius: 8px;
  font-size: .9rem;
  font-weight: 500;
  margin-bottom: 32px;
}
.legal-content h2 {
  font-size: 1.35rem;
  font-weight: 700;
  color: #00254E;
  margin: 40px 0 16px;
  padding-top: 16px;
  border-top: 1px solid #e5e7eb;
}
.legal-content h2:first-of-type {
  border-top: none;
  margin-top: 0;
  padding-top: 0;
}
.legal-content h3 {
  font-size: 1.1rem;
  font-weight: 600;
  color: #00254E;
  margin: 24px 0 12px;
}
.legal-content p,
.legal-content li {
  font-size: .95rem;
  line-height: 1.75;
  color: #444;
  margin-bottom: 12px;
}
.legal-content ul,
.legal-content ol {
  padding-left: 24px;
  margin-bottom: 16px;
}
.legal-content li { margin-bottom: 6px; }
.legal-content a { color: #FF7900; text-decoration: underline; text-underline-offset: 2px; }
.legal-content a:hover { color: #FF7900; }
.legal-content strong { color: #00254E; }

/* Fee schedule table */
.legal-content table {
  width: 100%;
  border-collapse: collapse;
  margin: 20px 0 28px;
  font-size: .9rem;
}
.legal-content table th,
.legal-content table td {
  padding: 12px 16px;
  text-align: left;
  border: 1px solid #e5e7eb;
}
.legal-content table th {
  background: #00254E;
  color: #fff;
  font-weight: 600;
  font-size: .85rem;
  letter-spacing: .02em;
}
.legal-content table tr:nth-child(even) { background: #f8f9fa; }
.legal-content table td { color: #333; }
.legal-content .table-wrapper {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  margin: 20px 0 28px;
}
.legal-content .table-note {
  font-size: .85rem;
  color: #666;
  font-style: italic;
  margin-top: -16px;
  margin-bottom: 24px;
}

/* Highlight boxes for important notices */
.legal-content .highlight-box {
  background: #f0fdf4;
  border-left: 4px solid #FF7900;
  border-radius: 0 8px 8px 0;
  padding: 20px 24px;
  margin: 24px 0;
}
.legal-content .highlight-box p:last-child { margin-bottom: 0; }
.legal-content .highlight-box h3 {
  color: #D96900;
  margin-top: 0;
}
.legal-content .warning-box {
  background: #fffbeb;
  border-left: 4px solid #003C71;
  border-radius: 0 8px 8px 0;
  padding: 20px 24px;
  margin: 24px 0;
}
.legal-content .warning-box p:last-child { margin-bottom: 0; }
.legal-content .contact-box {
  background: #f8f9fa;
  border: 1px solid #e5e7eb;
  border-radius: 12px;
  padding: 24px;
  margin: 24px 0;
}
.legal-content .contact-box h3 { margin-top: 0; }
.legal-content .contact-box p:last-child { margin-bottom: 0; }

/* ---------- RESPONSIVE ---------- */

/* Tablet landscape */
@media (max-width: 1024px) {
  .proof-grid { grid-template-columns: repeat(3, 1fr); gap: 16px; }
  .proof-card { padding: 28px 20px; }
  .features-grid,
  .how-grid,
  .faq-grid { grid-template-columns: 1fr; }
  .features-image { order: -1; }
  .features-image > img { height: 400px; }
  .carousel-slide { flex: 0 0 calc(50% - 12px); }
  .mega-menu { min-width: 560px; }
  .mega-col-brand { max-width: 180px; padding-left: 24px; }
  .mega-col-brand p { font-size: .72rem; }
}

/* Tablet portrait / large phones */
@media (max-width: 768px) {
  .banner-desktop { display: none; }
  .banner-mobile { display: block; }

  .main-nav,
  .header-actions { display: none; }
  .menu-toggle { display: block; }

  .hero { padding: 48px 0 40px; }
  .page-hero { padding: 48px 0 40px; }
  .page-hero .hero-grid { grid-template-columns: 1fr; text-align: center; gap: 32px; }
  .loan-calc { max-width: 400px; margin: 0 auto; }
  .features-composite { position: relative; width: 100%; margin: 0 auto; padding-bottom: 20px; }
  .composite-photo { width: 62%; height: auto; min-height: 280px; border-radius: 16px; }
  .composite-phone { position: absolute; right: -2%; top: 5%; transform: none; width: 50%; border-radius: 28px; padding: 5px 5px 7px; box-shadow: 0 12px 36px rgba(0,0,0,.18); }
  .composite-phone-screen { border-radius: 22px; padding: 18px 14px; }
  .composite-phone-island { height: 18px; }
  .composite-logo { height: 18px; margin-bottom: 10px; }
  .use-cases-grid { grid-template-columns: repeat(2, 1fr); }
  .loan-products-grid { grid-template-columns: 1fr; }
  .loan-product-card { padding: 28px; }
  .about-stats-grid { grid-template-columns: repeat(2, 1fr); }
  .about-testimonials-grid { grid-template-columns: 1fr; max-width: 500px; margin-top: 48px; margin-left: auto; margin-right: auto; }
  .locations-grid { grid-template-columns: 1fr; }
  .locations-map iframe { height: 300px; border-radius: 12px; }
  .locations-cities-grid { grid-template-columns: repeat(2, 1fr); }
  .city-services-grid { grid-template-columns: 1fr; }
  .tips-grid { grid-template-columns: repeat(2, 1fr); }
  .tips-category { padding: 60px 0; }
  .related-articles .tips-grid { grid-template-columns: repeat(2, 1fr); }
  .legal-content { padding: 40px 0 60px; }
  .legal-content h2 { font-size: 1.2rem; }
  .legal-content table th,
  .legal-content table td { padding: 10px 12px; font-size: .85rem; }
  .requirements-grid { grid-template-columns: 1fr 1fr; }
  .hero-grid { grid-template-columns: 1fr; text-align: center; gap: 32px; }
  .hero-checks { align-items: flex-start; width: fit-content; margin-left: auto; margin-right: auto; }
  .hero-cta { justify-content: center; }
  .hero-badges { justify-content: center; }
  .hero-image { max-width: 340px; margin: 0 auto; }
  .hero-float { display: none; }
  .hero-blob-1, .hero-blob-2 { display: none; }
  .page-hero-blob-2 { width: 70px; height: 70px; }
  .page-hero-blob-3 { width: 120px; height: 120px; }
  .page-hero-blob-1 { width: 200px; height: 200px; bottom: -50px; left: -50px; }
  .hero::before, .hero::after { width: 150px; height: 150px; }
  .features-blob { width: 70px; height: 70px; opacity: 0.7; }
  .use-cases-blob { width: 140px; height: 140px; }
  .requirements-blob { width: 120px; height: 120px; }

  .social-proof { padding: 60px 0; }
  .proof-grid { grid-template-columns: 1fr; max-width: 420px; margin: 0 auto; }

  .features { padding: 60px 0; }
  .features-grid { gap: 32px; }
  .features-phone { max-width: 300px; }

  .app-promo { padding: 60px 0; }
  .app-screenshot { display: none; }
  .app-mobile-img { display: block; margin: 0 auto; }

  .how-it-works { padding: 60px 0; }
  .how-grid { gap: 40px; }

  .education { padding: 60px 0; }
  .carousel-slide { flex: 0 0 calc(100% - 16px); }

  .faq { padding: 60px 0; }
  .faq-left .section-heading { font-size: clamp(1.8rem, 5vw, 2.5rem); }

  .pre-footer { padding: 60px 0; }
  .pre-footer h2 { font-size: clamp(1.5rem, 4vw, 2.25rem); }

  .contact-hero-layout { grid-template-columns: 1fr; }
  .contact-hero-image { position: static; }
  .contact-hero-image img { height: 350px; }
  .contact-form .form-row-3 { grid-template-columns: 1fr; }
  .contact-info-grid { grid-template-columns: 1fr; }
  .contact-visit-layout { grid-template-columns: 1fr; }
  .article-featured-image img { aspect-ratio: 2/1; }

  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; gap: 16px; text-align: center; }
  .footer-bottom-left { justify-content: center; gap: 12px; }
  .footer-bottom-left > a:first-child img { width: 130px; }
  .footer-badge img { height: 50px; }
  .footer-bottom-links { flex-wrap: wrap; justify-content: center; gap: 16px; }

  .btn-apply { min-height: 48px; }
  .btn-login { min-height: 48px; }
  .btn-store { min-height: 48px; }

  /* Underline: slightly smaller on tablet */
  .underline-accent::after { bottom: -4px; height: 5px; }

  /* Carousel dots: larger for touch */
  .carousel-dots .dot { width: 14px; height: 14px; }
  .carousel-dots { gap: 10px; }

  /* Footer links: touch-friendly */
  .footer-col a { min-height: 44px; display: inline-flex; align-items: center; }

  /* Resize blobs for tablet */
  .social-proof::before { width: 140px; height: 140px; }
  .social-proof::after { width: 110px; height: 100px; }
  .features::after { width: 200px; height: 200px; bottom: -60px; left: -40px; opacity: 0.7; }
  .use-cases::before { width: 70px; height: 70px; opacity: 0.6; }
  .how-it-works::before { width: 200px; height: 200px; bottom: -50px; right: -50px; }
  .how-it-works::after { width: 60px; height: 60px; opacity: 0.6; }
  .requirements::before { width: 70px; height: 70px; opacity: 0.6; }
  .faq::before { width: 180px; height: 180px; top: -40px; right: -40px; }
  .faq::after { width: 120px; height: 120px; bottom: -30px; left: -20px; }
  

  /* WU responsive - tablet */
  .wu-hero { min-height: auto; }
  .wu-hero-inner { justify-content: center; padding-top: 48px; padding-bottom: 48px; }
  .wu-hero-card { max-width: 380px; padding: 36px 28px; }
  .wu-hero-card h1 { font-size: 1.4rem; }
  .wu-services-grid { grid-template-columns: 1fr; max-width: 500px; margin: 0 auto; }
  .wu-services-grid .use-case-card { text-align: left; display: flex; flex-direction: row; align-items: flex-start; gap: 20px; padding: 24px; }
  .wu-services-grid .use-case-card .use-case-icon { flex-shrink: 0; }
  .wu-services-grid .use-case-card h4 { margin-bottom: 4px; }
  .wu-step-number { width: 56px; height: 56px; min-width: 56px; font-size: 1.4rem; border-radius: 12px; }
}

/* Mobile */
@media (max-width: 480px) {
  .tips-grid { grid-template-columns: 1fr; }
  .related-articles .tips-grid { grid-template-columns: 1fr; }
  .tip-card-icon { height: 140px; font-size: 2.5rem; }
  .tip-card-img { aspect-ratio: 5/3; }
  .container { padding: 0 16px; }
  .top-banner { padding: 8px 16px; font-size: .78rem; }

  .header-inner { height: 60px; }
  .logo img { height: 20px; }
  .mobile-menu-logo img { height: 20px; }

  .social-proof { padding: 48px 0; }
  .social-proof .section-heading { margin-bottom: 32px; }

  .page-hero { padding: 40px 0 48px; }
  .loan-calc { padding: 24px; }
  .calc-amount { font-size: 2rem; }
  .features-image > img { height: 320px; }
  .features-composite { position: relative; width: 100%; padding-bottom: 0; }
  .composite-photo { width: 55%; min-height: auto; height: 300px; border-radius: 12px; }
  .composite-phone { position: absolute; right: -2%; top: 10%; transform: none; width: 50%; max-width: none; border-radius: 20px; padding: 3px 3px 5px; }
  .composite-phone-screen { padding: 10px 8px; border-radius: 16px; }
  .composite-phone-island { height: 10px; }
  .composite-logo { height: 12px; margin-bottom: 6px; }
  .composite-heading { font-size: .75rem; margin-bottom: 6px; }
  .composite-illustration { padding: 8px; border-radius: 8px; margin-bottom: 6px; }
  .composite-illustration svg { max-width: 80px; }
  .composite-subtext { font-size: .6rem; }
  .composite-amount { font-size: .95rem; margin-bottom: 8px; }
  .composite-btn { font-size: .65rem; padding: 6px 10px; }
  .features-blob { width: 50px; height: 50px; opacity: 0.5; }
  .page-hero-blob-1 { width: 150px; height: 150px; }
  .page-hero-blob-2 { display: none; }
  .page-hero-blob-3 { width: 80px; height: 80px; }
  .loan-calc h2, .loan-calc h3 { font-size: 1.1rem; }
  .requirements { padding: 48px 0; }
  .requirements-grid { grid-template-columns: 1fr; }

  .app-promo h2 { font-size: clamp(1.5rem, 5vw, 2rem); }

  /* Underline: tighter on small screens */
  .underline-accent::after { bottom: -3px; height: 4px; }

  /* Resize decorative blobs on small screens */
  .how-it-works::before { width: 150px; height: 150px; bottom: -40px; right: -40px; }
  .how-it-works::after { width: 50px; height: 50px; }
  .education::before { width: 100px; height: 100px; top: -40px; left: -25px; }
  .app-promo::after { width: 90px; height: 90px; bottom: -30px; right: 0; }

  /* Resize blobs for mobile */
  .social-proof::before { width: 90px; height: 90px; top: -25px; right: -15px; }
  .social-proof::after { width: 70px; height: 60px; bottom: -20px; left: -10px; }
  .features::after { width: 140px; height: 140px; bottom: -40px; left: -30px; opacity: 0.5; }
  .use-cases::before { width: 50px; height: 50px; opacity: 0.4; }
  .use-cases-blob { width: 100px; height: 100px; }
  .requirements-blob { width: 90px; height: 90px; }
  .requirements::before { width: 50px; height: 50px; opacity: 0.4; }
  .faq::before { width: 130px; height: 130px; top: -30px; right: -30px; }
  .faq::after { width: 80px; height: 80px; bottom: -20px; left: -15px; }
  

  /* FAQ: ensure touch targets */
  .faq-item summary { min-height: 48px; }

  .step-card { flex-direction: column; text-align: center; gap: 12px; padding: 20px; }
  .step-card > img { width: 56px; height: 56px; }

  .testimonial-card { padding: 20px; }
  .testimonial-avatar { width: 45px; height: 45px; }

  .faq-item summary { padding: 16px 0; font-size: .92rem; }

  .footer-grid { grid-template-columns: 1fr; }
  .footer-signup { flex-direction: column; }
  .app-buttons { flex-wrap: wrap; }

  .marquee-track { gap: 40px; padding-right: 40px; }
  .marquee-track a { min-width: 110px; }
  .marquee-track .mq-badge { height: 46px; }
  .marquee-track .mq-wordmark { height: 28px; }

  /* WU Hero mobile */
  .wu-hero { min-height: auto; }
  .wu-hero-bg { position: absolute; inset: 0; }
  .wu-hero-photo { object-position: 30% center; }
  .wu-hero-overlay { background: linear-gradient(to bottom, rgba(255,255,255,.85) 0%, rgba(255,255,255,.7) 100%); }
  .wu-hero-inner { padding-top: 32px; padding-bottom: 32px; }
  .wu-hero-card { max-width: 100%; padding: 28px 20px; border-radius: 16px; box-shadow: 0 4px 24px rgba(0,0,0,.1); }
  .wu-hero-card h1 { font-size: 1.3rem; margin-bottom: 12px; }
  .wu-hero-card p { font-size: .88rem; margin-bottom: 20px; }
  .wu-hero-btn { padding: 12px 36px; font-size: .9rem; width: 100%; text-align: center; }
  .wu-hero-card-logo { margin-bottom: 20px; }
  .wu-hero-card-logo img { max-width: 180px; }

  /* WU Services mobile - vertical card layout */
  .wu-services-grid { grid-template-columns: 1fr; max-width: 100%; }
  .wu-services-grid .use-case-card {
    text-align: center;
    display: flex;
    flex-direction: column;
    align-items: center;
    padding: 28px 20px;
  }
  .wu-services-grid .use-case-card h4 { margin-bottom: 8px; font-size: 1.1rem; }
  .wu-services-grid .use-case-card p { font-size: .9rem; }

  /* WU Steps mobile - keep horizontal layout */
  .step-card:has(.wu-step-number) {
    flex-direction: row;
    text-align: left;
    align-items: flex-start;
    gap: 16px;
  }
  .wu-step-number { width: 48px; height: 48px; min-width: 48px; font-size: 1.2rem; border-radius: 12px; }
}

/* Very small screens */
@media (max-width: 360px) {
  .container { padding: 0 12px; }
  .hero-cta { flex-direction: column; align-items: center; gap: 12px; }
  .hero-cta .btn-apply { width: 100%; justify-content: center; }
  .features-cta { flex-direction: column; gap: 12px; }
  .mobile-btn-row { flex-direction: column; }
  .composite-photo { height: 260px; width: 56%; }
  .composite-phone { width: 50%; right: -3%; }
}


/* ═════════════════════════════════════════════════════════════════════
   Cash Rocket Anaheim v2 — design overhaul
   · Palette: red/navy/white (Advance America lean)
   · Shape language: rounded pill buttons, bigger hero, soft shadows
     (Oportun-style clean presentation)
   ═════════════════════════════════════════════════════════════════════ */
:root {
  --cer-red:         #FF7900;
  --cer-red-dark:    #D96900;
  --cer-red-soft:    #EFF3FC;
  --cer-navy:        #003C71;
  --cer-navy-dark:   #00254E;
  --cer-bg:          #F7F9FC;
  --cer-surface:     #FFFFFF;
  --cer-ink:         #0F172A;
  --cer-muted:       #4B5563;
  --cer-border:      #E6EAF0;
  --cer-shadow-sm:   0 1px 2px rgba(0,61,165,.05);
  --cer-shadow-md:   0 6px 20px rgba(0,61,165,.08);
  --cer-shadow-lg:   0 18px 48px rgba(0,61,165,.12);
  --navy: var(--cer-red);        /* re-map old tokens so any stray ref still uses new palette */
  --navy-dark: var(--cer-red-dark);
  --gold: var(--cer-navy);
  --gold-light: #C9D6EC;
  --text: var(--cer-ink);
  --hero-grad-a: #FFFFFF;
  --hero-grad-b: #F7F9FC;
  --hero-grad-c: #EFF3FC;
}

/* Top banner — deep burgundy band with yellow accent stripe */
.top-banner {
  background: var(--cer-navy) !important;
  color: #FFFFFF !important;
  padding: 10px 0;
  font-weight: 600;
  letter-spacing: .01em;
  border-bottom: 3px solid var(--cer-red);
}
.top-banner p { color: #FFFFFF !important; }

/* Header: whiter, bigger padding, sharper shadow on scroll */
.site-header {
  background: #FFFFFF !important;
  box-shadow: var(--cer-shadow-sm);
  border-bottom: 1px solid var(--cer-border);
}
.site-header .header-inner { padding: 14px 0; }
.site-header .logo img { height: 52px; width: auto; }

/* Nav links — dark ink, yellow underline accent on hover */
.nav-item > a {
  color: var(--cer-ink) !important;
  font-weight: 600;
  font-size: 15px;
  padding: 10px 14px;
  border-radius: 8px;
  transition: background-color .15s ease, color .15s ease;
}
.nav-item > a:hover { background: var(--cer-red-soft); color: var(--cer-navy) !important; }

/* Apply button — pill shape, sunglow yellow, burgundy text (AA signature) */
.btn-apply,
.btn-apply.btn-lg,
.btn-apply.btn-sm,
.composite-btn {
  background: var(--cer-red) !important;         /* #FF7900 sunglow */
  color: var(--cer-navy) !important;             /* #003C71 burgundy text */
  border: 2px solid var(--cer-red) !important;
  border-radius: 999px !important;
  font-weight: 800 !important;
  letter-spacing: .01em;
  padding: 12px 26px !important;
  box-shadow: 0 6px 14px rgba(255,197,43,.35);
  transition: transform .12s ease, box-shadow .15s ease, background-color .15s ease;
}
.btn-apply.btn-lg { padding: 16px 34px !important; font-size: 17px !important; }
.btn-apply:hover,
.btn-apply.btn-lg:hover,
.composite-btn:hover {
  background: var(--cer-red-dark) !important;    /* #D96900 darker yellow */
  border-color: var(--cer-red-dark) !important;
  color: var(--cer-navy) !important;
  transform: translateY(-1px);
  box-shadow: 0 10px 22px rgba(224,168,0,.45);
}
.btn-login {
  border: 2px solid var(--cer-navy) !important;
  color: var(--cer-navy) !important;
  border-radius: 999px !important;
  padding: 10px 20px !important;
  font-weight: 700 !important;
  background: transparent !important;
}
.btn-login:hover { background: var(--cer-navy) !important; color: #FFFFFF !important; }

/* Hero — redesigned: airier, bigger type, softer gradient */
.page-hero {
  background: linear-gradient(135deg, #FFFFFF 0%, #F7F9FC 55%, #EFF3FC 100%) !important;
  padding: 80px 0 100px !important;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: "";
  position: absolute;
  top: -120px; right: -120px;
  width: 460px; height: 460px;
  background: radial-gradient(closest-side, rgba(255,197,43,.12), transparent 70%);
  pointer-events: none;
}
.page-hero::after {
  content: "";
  position: absolute;
  bottom: -80px; left: -80px;
  width: 280px; height: 280px;
  background: radial-gradient(closest-side, rgba(0,61,165,.10), transparent 70%);
  pointer-events: none;
}
.page-hero .hero-content h1 {
  font-size: clamp(2.2rem, 4.6vw, 3.8rem) !important;
  line-height: 1.05 !important;
  color: var(--cer-ink) !important;
  margin: 0 0 18px !important;
  font-weight: 800 !important;
  letter-spacing: -.02em;
}
.page-hero .hero-subtitle {
  font-size: clamp(1.05rem, 1.4vw, 1.25rem) !important;
  color: var(--cer-muted) !important;
  max-width: 540px;
  line-height: 1.55 !important;
  margin-bottom: 28px !important;
}
.hero-checks li {
  color: var(--cer-ink) !important;
  font-weight: 600;
  font-size: 15px;
  gap: 10px;
}
.hero-checks svg { color: var(--cer-red) !important; }

/* Underline accent on headings → red */
.underline-accent {
  background-image: linear-gradient(transparent 60%, rgba(255,197,43,.25) 60%) !important;
  padding: 0 4px;
}

/* Loan calculator widget — card treatment */
.loan-calc {
  background: var(--cer-surface) !important;
  border: 1px solid var(--cer-border) !important;
  border-radius: 20px !important;
  padding: 28px !important;
  box-shadow: var(--cer-shadow-lg);
}
.loan-calc h2 { font-size: 1.1rem !important; color: var(--cer-navy) !important; margin-bottom: 1rem !important; font-weight: 700; letter-spacing: .02em; text-transform: uppercase; }
.calc-amount { color: var(--cer-red) !important; font-weight: 800 !important; font-size: 2.5rem !important; }
.calc-slider { accent-color: var(--cer-red); }
.calc-row.calc-total { color: var(--cer-navy) !important; font-weight: 800; }

/* Features section — cleaner cards */
.feature-card {
  background: var(--cer-surface) !important;
  border: 1px solid var(--cer-border) !important;
  border-radius: 16px !important;
  padding: 24px !important;
  box-shadow: var(--cer-shadow-sm);
  transition: transform .15s ease, box-shadow .15s ease;
}
.feature-card:hover { transform: translateY(-2px); box-shadow: var(--cer-shadow-md); }
.feature-card h3 { color: var(--cer-navy) !important; font-size: 1.1rem; margin-bottom: 8px; }

/* Use-case grid — fresh icon tint + hover */
.use-case-card {
  background: var(--cer-surface) !important;
  border: 1px solid var(--cer-border) !important;
  border-radius: 16px !important;
  padding: 24px 18px !important;
  box-shadow: var(--cer-shadow-sm);
  transition: transform .15s ease, box-shadow .15s ease, border-color .15s ease;
}
.use-case-card:hover {
  transform: translateY(-2px);
  border-color: var(--cer-red);
  box-shadow: 0 12px 28px rgba(255,197,43,.12);
}
.use-case-card h3 { color: var(--cer-navy) !important; font-size: .98rem !important; font-weight: 700; }
.use-case-icon { margin-bottom: 12px; }

/* Section headings */
.section-heading {
  color: var(--cer-ink) !important;
  font-size: clamp(1.75rem, 3vw, 2.5rem) !important;
  font-weight: 800 !important;
  letter-spacing: -.015em;
  line-height: 1.15 !important;
}

/* How it works — numbered steps: red numerals */
.hiw-number, .step-number, .numbered-step .num {
  background: var(--cer-red) !important;
  color: #FFFFFF !important;
  font-weight: 800;
}

/* Service area section (new) */
.service-area {
  padding: 64px 0;
  background: var(--cer-bg);
  border-top: 1px solid var(--cer-border);
  border-bottom: 1px solid var(--cer-border);
}
.service-area-list li {
  display: inline-flex;
  align-items: center;
  padding: 8px 16px;
  background: #FFFFFF;
  border: 1px solid var(--cer-border);
  border-radius: 999px;
  box-shadow: var(--cer-shadow-sm);
  transition: border-color .15s ease, color .15s ease;
}
.service-area-list li:hover { border-color: var(--cer-red); color: var(--cer-red); }

/* FAQ — accordion in cards */
.faq-item {
  background: var(--cer-surface);
  border: 1px solid var(--cer-border) !important;
  border-radius: 12px !important;
  margin-bottom: 10px !important;
  padding: 0 !important;
  box-shadow: var(--cer-shadow-sm);
}
.faq-item summary {
  padding: 18px 22px !important;
  font-size: 1rem !important;
  font-weight: 600 !important;
  color: var(--cer-ink) !important;
}
.faq-item summary:hover { color: var(--cer-red) !important; }
.faq-item[open] summary { color: var(--cer-red) !important; border-bottom: 1px solid var(--cer-border); }
.faq-answer { padding: 16px 22px 22px !important; color: var(--cer-muted) !important; line-height: 1.6; }
.faq-arrow { color: var(--cer-red); }

/* FAQ contact card */
.faq-contact-card {
  background: linear-gradient(135deg, var(--cer-navy), var(--cer-navy-dark));
  color: #FFFFFF !important;
  border-radius: 20px !important;
  padding: 28px !important;
}
.faq-contact-card h3, .faq-contact-card p { color: #FFFFFF !important; }
.faq-contact-card .btn-apply { background: #FFFFFF !important; color: var(--cer-navy) !important; border-color: #FFFFFF !important; }
.faq-contact-card .btn-apply:hover { background: var(--cer-red) !important; color: var(--cer-navy) !important; border-color: var(--cer-red) !important; }

/* Pre-footer CTA section */
.pre-footer {
  background: linear-gradient(135deg, var(--cer-navy) 0%, var(--cer-navy-dark) 100%) !important;
  color: #FFFFFF !important;
  padding: 70px 0 !important;
}
.pre-footer h2, .pre-footer p { color: #FFFFFF !important; }
.pre-footer .btn-apply { background: var(--cer-red) !important; border-color: var(--cer-red) !important; color: var(--cer-navy) !important; }
.pre-footer .btn-apply:hover { background: #FFFFFF !important; color: var(--cer-navy) !important; border-color: #FFFFFF !important; }

/* Footer */
.site-footer {
  background: var(--cer-navy-dark) !important;
  color: #C9D6EC !important;
  padding-top: 60px !important;
}
.footer-col h3 { color: #FFFFFF !important; font-size: .85rem !important; text-transform: uppercase; letter-spacing: .1em; margin-bottom: 16px; }
.footer-col a { color: #C9D6EC !important; font-size: 14px !important; }
.footer-col a:hover { color: #FFFFFF !important; }
.footer-badge-text { color: #003C71 !important; }
.footer-legal { color: #9BAFD1 !important; font-size: 12px !important; line-height: 1.55 !important; border-top: 1px solid rgba(255,255,255,.08); padding-top: 20px; }
.footer-legal a { color: #C9D6EC !important; text-decoration: underline; }
.footer-bottom-links a { color: #C9D6EC !important; }
.footer-bottom-links a:hover { color: #FFFFFF !important; }
.footer-signup input {
  background: rgba(255,255,255,.05) !important;
  border: 1px solid rgba(255,255,255,.15) !important;
  color: #FFFFFF !important;
  border-radius: 999px !important;
  padding: 10px 16px !important;
}
.footer-signup input::placeholder { color: #9BAFD1 !important; }

/* Hide the white footer-disclosure box (replaced with inline paragraph) */
.ce-disclosure { display: none !important; }

/* Hide the composite hero image placeholder block — the broken /images/girl-phone.jpeg
   reference. We'll use an SVG illustration in-page instead. */
.features-image .features-composite { display: none !important; }
.features-image { display: none !important; }
.features-grid { grid-template-columns: 1fr !important; }
.features-content { max-width: 920px; margin: 0 auto; text-align: center; }
.features-cta { justify-content: center; }

/* Hide the broken pre-footer brand image */
.pre-footer img { display: none !important; }

/* Hide the top-banner decoration blobs that used gold */
.page-hero-blob-1, .page-hero-blob-2, .page-hero-blob-3,
.features-blob, .use-cases-blob { display: none !important; }

/* Rates-and-fees page — bump styling */
.page-hero h1 + .hero-subtitle { max-width: 640px; }
table th { background: var(--cer-navy) !important; color: #FFFFFF !important; border-color: var(--cer-navy) !important; }
table td { background: #FFFFFF !important; }
table tr:nth-child(even) td { background: var(--cer-bg) !important; }


/* ═════════════════════════════════════════════════════════════════════
   POLISH v3 — distinctive identity + better layout
   · AA palette: royal blue #003C71, navy #00254E, sunglow #FF7900
   · Distinct background decoration (angled ribbon + navy arc)
   · Fixes "What Are Payday Loans" 2-col layout
   · Fixes "Proudly Serving the Orange County" with CA-map illustration
   ═════════════════════════════════════════════════════════════════════ */
:root {
  --cer-blue:        #003C71;
  --cer-blue-dark:   #00254E;
  --cer-blue-deep:   #001A3D;
  --cer-blue-soft:   #EFF3FC;
  --cer-blue-faint:  #F5F8FF;
  --cer-yellow:      #FF7900;
  --cer-yellow-dark: #D96900;
  /* remap the older tokens so v2 rules still resolve to the new palette */
  --cer-red:         var(--cer-yellow);
  --cer-red-dark:    var(--cer-yellow-dark);
  --cer-red-soft:    #FFF6D7;
  --cer-navy:        var(--cer-blue);
  --cer-navy-dark:   var(--cer-blue-dark);
}

/* ── HERO: distinctive identity (angled yellow ribbon + navy arc) ── */
.page-hero {
  background: linear-gradient(180deg, #FFFFFF 0%, #F5F8FF 80%, #FFFFFF 100%) !important;
  padding: 72px 0 96px !important;
  position: relative;
  overflow: hidden;
  isolation: isolate;
}
/* Kill the old radial glows (they read as Cash-in-Flash-style) */
.page-hero::before, .page-hero::after {
  content: none !important;
  display: none !important;
}

.page-hero .hero-content h1 span.underline-accent {
  background-image: linear-gradient(transparent 62%, rgba(255,197,43,.65) 62%) !important;
  padding: 0 6px;
}

/* ── TOP BANNER: navy blue ── */
.top-banner {
  background: var(--cer-blue) !important;
  border-bottom: 3px solid var(--cer-yellow) !important;
}

/* ── NAV: keep white bg, blue underline on active ── */
.nav-item > a:hover { background: var(--cer-blue-soft) !important; color: var(--cer-blue) !important; }

/* ── BUTTONS: yellow pill, navy text (AA signature treatment) ── */
.btn-apply,
.btn-apply.btn-lg,
.btn-apply.btn-sm,
.composite-btn {
  background: var(--cer-yellow) !important;
  color: var(--cer-blue-dark) !important;
  border: 2px solid var(--cer-yellow) !important;
  border-radius: 999px !important;
  font-weight: 800 !important;
  letter-spacing: .02em;
  padding: 13px 30px !important;
  box-shadow: 0 8px 20px rgba(255,197,43,.35);
  text-transform: none;
}
.btn-apply:hover,
.btn-apply.btn-lg:hover,
.composite-btn:hover {
  background: var(--cer-yellow-dark) !important;
  border-color: var(--cer-yellow-dark) !important;
  color: var(--cer-blue-dark) !important;
  transform: translateY(-2px);
  box-shadow: 0 14px 28px rgba(224,168,0,.45);
}
.btn-login {
  border: 2px solid var(--cer-blue) !important;
  color: var(--cer-blue) !important;
}
.btn-login:hover { background: var(--cer-blue) !important; color: #FFFFFF !important; }

/* ── HERO CHECKS: yellow check, navy text ── */
.hero-checks svg { color: var(--cer-yellow) !important; fill: var(--cer-yellow) !important; }
.hero-checks svg circle, .hero-checks svg path { stroke: var(--cer-yellow) !important; }

/* ── FEATURES / "What Are Payday Loans" — proper 2-col layout ── */
.features {
  padding: 90px 0 !important;
  background: var(--cer-blue-faint);
  position: relative;
}
.features-grid {
  display: grid !important;
  grid-template-columns: 1fr 1fr !important;
  gap: 72px !important;
  align-items: center !important;
  max-width: 1180px;
  margin: 0 auto;
}
.features-image,           /* in case either class is still around */
.features-image-v2 {
  display: block !important;
  max-width: 100% !important;
  margin: 0 !important;
}
.features-image-v2 svg { max-width: 100% !important; }
.features-content {
  max-width: none !important;
  margin: 0 !important;
  text-align: left !important;
}
.features-content .section-heading {
  margin-bottom: 16px !important;
}
.features-content > p {
  font-size: 1.05rem;
  color: var(--cer-muted);
  line-height: 1.65;
  margin-bottom: 28px;
}
.feature-cards {
  display: grid !important;
  grid-template-columns: 1fr !important;
  gap: 14px !important;
  margin-bottom: 28px !important;
}
.feature-card {
  padding: 20px 22px !important;
  background: #FFFFFF !important;
  border: 1px solid var(--cer-border) !important;
  border-left: 4px solid var(--cer-yellow) !important;
  border-radius: 12px !important;
  box-shadow: 0 1px 2px rgba(0,0,0,.03) !important;
  transition: transform .12s ease, box-shadow .15s ease, border-left-color .15s ease;
}
.feature-card:hover {
  border-left-color: var(--cer-blue) !important;
  transform: translateX(2px);
  box-shadow: 0 8px 24px rgba(0,61,165,.10) !important;
}
.feature-card h3 { color: var(--cer-blue-dark) !important; font-size: 1.02rem !important; margin: 0 0 6px !important; }
.feature-card p { margin: 0 !important; font-size: .95rem; color: var(--cer-muted); line-height: 1.5; }
.features-cta { justify-content: flex-start !important; }
.features-link { color: var(--cer-blue) !important; font-weight: 600; margin-left: 14px; }
@media (max-width: 900px) {
  .features-grid { grid-template-columns: 1fr !important; gap: 40px !important; }
  .features-content { text-align: center !important; }
  .features-cta { justify-content: center !important; }
  .feature-card { text-align: left; }
}

/* ── USE CASES: polish ── */
.use-cases { padding: 80px 0 !important; background: #FFFFFF; }
.use-cases-grid { gap: 18px !important; }
.use-case-card { padding: 28px 22px !important; text-align: center; }
.use-case-card .use-case-icon svg { max-width: 56px; height: 56px; }
.use-case-card h3 { color: var(--cer-blue-dark) !important; font-size: 1rem !important; font-weight: 700; }

/* ── HOW IT WORKS: styled numbered steps (if present) ── */
.how-it-works { padding: 80px 0 !important; background: var(--cer-blue-faint); }
.hiw-number, .step-number, .numbered-step .num {
  background: var(--cer-blue) !important;
  color: #FFFFFF !important;
}

/* ── REQUIREMENTS SECTION ── */
.requirements { padding: 80px 0 !important; background: #FFFFFF; }

/* ── SERVICE AREA — major rebuild ── */
.service-area {
  padding: 90px 0 !important;
  background: linear-gradient(180deg, #FFFFFF 0%, var(--cer-blue-faint) 100%) !important;
  border: none !important;
  position: relative;
  overflow: hidden;
}

.service-area .container { position: relative; z-index: 1; }
/* Wrap the content in a responsive grid via ::marker-like hack. The HTML
   already has h2 + p + ul, so we grid-style via :nth-child selectors. */
.service-area h2 + p { max-width: 620px; margin: 0 auto 40px !important; font-size: 1.1rem; }
.service-area-list {
  display: flex !important;
  flex-wrap: wrap !important;
  justify-content: center !important;
  gap: 12px !important;
  max-width: 780px !important;
  margin: 0 auto 32px !important;
  padding: 0 !important;
}
.service-area-list li {
  background: #FFFFFF !important;
  border: 2px solid var(--cer-blue) !important;
  color: var(--cer-blue-dark) !important;
  padding: 10px 20px !important;
  border-radius: 999px !important;
  font-weight: 700 !important;
  font-size: 15px;
  box-shadow: 0 2px 4px rgba(0,61,165,.08);
  transition: background-color .15s ease, color .15s ease, transform .12s ease;
  cursor: default;
}
.service-area-list li:hover {
  background: var(--cer-blue) !important;
  color: #FFFFFF !important;
  transform: translateY(-2px);
}
/* trailing attribution line */
.service-area > .container > p:last-of-type {
  font-size: 13px;
  color: var(--cer-muted);
  text-align: center;
  margin-top: 24px !important;
  padding: 14px 20px;
  background: rgba(0,61,165,.04);
  border: 1px dashed rgba(0,61,165,.20);
  border-radius: 12px;
  max-width: 780px;
  margin-left: auto;
  margin-right: auto;
}
/* California-map illustration slot (injected via HTML) */
.service-area-map {
  display: flex;
  justify-content: center;
  margin-bottom: 24px;
}
.service-area-map svg { max-width: 360px; width: 100%; height: auto; }

/* ── FAQ section ── */
.faq { padding: 90px 0 !important; background: #FFFFFF; }
.faq-left .section-heading { color: var(--cer-blue-dark) !important; }
.faq-item[open] summary { color: var(--cer-blue) !important; }
.faq-item summary:hover { color: var(--cer-blue) !important; }
.faq-arrow { color: var(--cer-yellow) !important; }
.faq-contact-card {
  background: linear-gradient(135deg, var(--cer-blue), var(--cer-blue-dark)) !important;
}
.faq-contact-card .btn-apply { background: var(--cer-yellow) !important; color: var(--cer-blue-dark) !important; border-color: var(--cer-yellow) !important; }
.faq-contact-card .btn-apply:hover { background: #FFFFFF !important; color: var(--cer-blue-dark) !important; border-color: #FFFFFF !important; }

/* ── PRE-FOOTER CTA ── */
.pre-footer {
  background: linear-gradient(135deg, var(--cer-blue) 0%, var(--cer-blue-deep) 100%) !important;
  position: relative;
  overflow: hidden;
}


.pre-footer .container { position: relative; z-index: 1; }
.pre-footer h2 { font-size: clamp(2rem, 3.5vw, 2.8rem) !important; }
.pre-footer .btn-apply { background: var(--cer-yellow) !important; color: var(--cer-blue-dark) !important; border-color: var(--cer-yellow) !important; }
.pre-footer .btn-apply:hover { background: #FFFFFF !important; color: var(--cer-blue-dark) !important; border-color: #FFFFFF !important; }

/* ── FOOTER: navy ── */
.site-footer {
  background: var(--cer-blue-deep) !important;
  color: #C9D6EC !important;
}
.footer-col a { color: #C9D6EC !important; }
.footer-col a:hover { color: var(--cer-yellow) !important; }
.footer-bottom-links a:hover { color: var(--cer-yellow) !important; }
.footer-badge-text { color: var(--cer-yellow) !important; }

/* ── Section-heading underline accent (yellow swoosh) ── */
.underline-accent {
  background-image: linear-gradient(transparent 62%, rgba(255,197,43,.55) 62%) !important;
  padding: 0 6px;
}
.section-heading { color: var(--cer-blue-deep) !important; }


/* ═════════════════════════════════════════════════════════════════════
   POLISH v4 — distinctive organic blobs flowing through each section
   · Replaces the CiF-ish radial glows + yellow ribbon.
   · Asymmetric border-radius gives each blob a unique, organic silhouette.
   · Navy + yellow at varied opacity; each section has its own arrangement.
   ═════════════════════════════════════════════════════════════════════ */

/* Base container styling so blobs can position without overflowing the page */
.page-hero, .features, .use-cases, .service-area, .faq, .pre-footer {
  position: relative;
  overflow: hidden;
  isolation: isolate;
}
.page-hero > *, .features > *, .use-cases > *, .service-area > *, .faq > *, .pre-footer > * {
  position: relative;
  z-index: 1;
}

/* ── HERO — massive yellow amoeba upper right + navy wedge lower left ── */
.page-hero::before {
  content: "";
  position: absolute;
  z-index: 0;
  top: -180px; right: -200px;
  width: 760px; height: 660px;
  background: var(--cer-yellow);
  border-radius: 62% 38% 47% 53% / 55% 48% 52% 45%;
  opacity: .18;
  transform: rotate(-14deg);
  pointer-events: none;
}
.page-hero::after {
  content: "";
  position: absolute;
  z-index: 0;
  bottom: -220px; left: -160px;
  width: 520px; height: 460px;
  background: var(--cer-blue);
  border-radius: 58% 42% 35% 65% / 48% 56% 44% 52%;
  opacity: .08;
  transform: rotate(18deg);
  pointer-events: none;
}
/* A smaller yellow "drop" accent floating mid-hero */
.page-hero .hero-grid::before {
  content: "";
  position: absolute;
  z-index: 0;
  top: 40%; left: -4%;
  width: 160px; height: 160px;
  background: var(--cer-yellow);
  border-radius: 64% 36% 50% 50% / 40% 60% 40% 60%;
  opacity: .22;
  transform: rotate(-8deg);
  pointer-events: none;
}

/* ── FEATURES — large navy blob lower-right + small yellow accent top ── */
.features::before {
  content: "";
  position: absolute;
  z-index: 0;
  bottom: -260px; right: -180px;
  width: 680px; height: 580px;
  background: var(--cer-blue);
  border-radius: 45% 55% 58% 42% / 52% 48% 52% 48%;
  opacity: .07;
  transform: rotate(-22deg);
  pointer-events: none;
}
.features::after {
  content: "";
  position: absolute;
  z-index: 0;
  top: -80px; left: 20%;
  width: 220px; height: 220px;
  background: var(--cer-yellow);
  border-radius: 55% 45% 60% 40% / 50% 50% 45% 55%;
  opacity: .16;
  transform: rotate(12deg);
  pointer-events: none;
}

/* ── USE CASES — two complementary blobs, diagonal composition ── */
.use-cases::before {
  content: "";
  position: absolute;
  z-index: 0;
  top: -140px; right: -180px;
  width: 520px; height: 440px;
  background: var(--cer-yellow);
  border-radius: 40% 60% 55% 45% / 50% 50% 50% 50%;
  opacity: .12;
  transform: rotate(24deg);
  pointer-events: none;
}
.use-cases::after {
  content: "";
  position: absolute;
  z-index: 0;
  bottom: -160px; left: -180px;
  width: 440px; height: 400px;
  background: var(--cer-blue);
  border-radius: 62% 38% 40% 60% / 48% 52% 48% 52%;
  opacity: .05;
  transform: rotate(-16deg);
  pointer-events: none;
}

/* ── SERVICE AREA — flowing wave-like navy band along the top ── */
.service-area {
  background: #FFFFFF !important;
}
.service-area::before {
  content: "";
  position: absolute;
  z-index: 0;
  top: -260px; left: -100px;
  right: -100px;
  height: 500px;
  background: var(--cer-blue);
  border-radius: 50% 50% 60% 40% / 100% 100% 0 0;
  opacity: .04;
  pointer-events: none;
}
.service-area::after {
  content: "";
  position: absolute;
  z-index: 0;
  bottom: -140px; right: 12%;
  width: 280px; height: 260px;
  background: var(--cer-yellow);
  border-radius: 52% 48% 40% 60% / 48% 52% 48% 52%;
  opacity: .20;
  transform: rotate(-10deg);
  pointer-events: none;
}

/* ── FAQ — large yellow organic form right side + small navy speck left ── */
.faq::before {
  content: "";
  position: absolute;
  z-index: 0;
  top: 10%; right: -220px;
  width: 520px; height: 500px;
  background: var(--cer-yellow);
  border-radius: 56% 44% 60% 40% / 48% 52% 48% 52%;
  opacity: .14;
  transform: rotate(-8deg);
  pointer-events: none;
}
.faq::after {
  content: "";
  position: absolute;
  z-index: 0;
  bottom: -80px; left: -120px;
  width: 240px; height: 240px;
  background: var(--cer-blue);
  border-radius: 45% 55% 58% 42% / 52% 48% 52% 48%;
  opacity: .06;
  transform: rotate(14deg);
  pointer-events: none;
}

/* ── PRE-FOOTER — dramatic layered yellow blobs on navy ── */
.pre-footer::before {
  content: "";
  position: absolute;
  z-index: 0;
  top: -200px; right: -160px;
  width: 580px; height: 520px;
  background: var(--cer-yellow);
  border-radius: 58% 42% 45% 55% / 50% 50% 50% 50%;
  opacity: .15;
  transform: rotate(-12deg);
  pointer-events: none;
}
.pre-footer::after {
  content: "";
  position: absolute;
  z-index: 0;
  bottom: -260px; left: -140px;
  width: 460px; height: 440px;
  background: var(--cer-yellow);
  border-radius: 48% 52% 60% 40% / 52% 48% 52% 48%;
  opacity: .08;
  transform: rotate(22deg);
  pointer-events: none;
}

/* Media-query tune-down: shrink blobs on small screens so they don't
   dominate and keep copy readable. */
@media (max-width: 800px) {
  .page-hero::before { width: 420px; height: 380px; top: -120px; right: -160px; }
  .page-hero::after { width: 300px; height: 260px; bottom: -160px; left: -120px; }
  .page-hero .hero-grid::before { display: none; }
  .features::before, .features::after { opacity: .08; }
  .use-cases::before, .use-cases::after { width: 280px; height: 260px; }
  .faq::before, .faq::after { width: 300px; height: 280px; }
  .service-area::before { height: 340px; }
  .pre-footer::before, .pre-footer::after { width: 320px; height: 300px; }
}


/* ═════════════════════════════════════════════════════════════════════
   POLISH v5 — modern, friendly, card-based landing design
   Clean typographic hierarchy, bigger border-radius everywhere, softer
   shadows, alternating whitespace between sections, refined trust strip,
   new contact-page styles.
   ═════════════════════════════════════════════════════════════════════ */

/* Global typographic + spacing rhythm */
body {
  font-feature-settings: "ss01", "cv11";
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

/* Section padding uplift for breathing room */
.page-hero { padding: 90px 0 110px !important; }
.features, .use-cases, .requirements, .how-it-works, .service-area, .faq {
  padding: 100px 0 !important;
}

/* Alternating section surface: odd sections white, even sections soft-blue */
.page-hero { background: linear-gradient(180deg, #FFFFFF 0%, #F5F8FF 100%) !important; }
.features   { background: #FFFFFF !important; }
.use-cases  { background: var(--cer-blue-faint) !important; }
.service-area { background: #FFFFFF !important; }
.faq        { background: var(--cer-blue-faint) !important; }

/* ── Hero refinements ── */
.page-hero .hero-grid { gap: 64px !important; }
.page-hero .hero-content h1 {
  font-size: clamp(2.6rem, 5.4vw, 4.4rem) !important;
  line-height: 1.02 !important;
  font-weight: 800 !important;
  letter-spacing: -.028em !important;
  margin-bottom: 22px !important;
}
.page-hero .hero-subtitle {
  font-size: 1.15rem !important;
  line-height: 1.55 !important;
  color: #475569 !important;
  max-width: 540px;
}
.hero-checks { display: flex !important; flex-wrap: wrap !important; gap: 14px 22px !important; margin: 20px 0 28px !important; padding: 0 !important; list-style: none !important; }
.hero-checks li { display: inline-flex; align-items: center; gap: 8px; font-size: 15px; font-weight: 600; color: #0F172A; }
.hero-link { color: var(--cer-blue) !important; font-weight: 600; margin-left: 14px; }

/* Rounded, softer calculator card */
.loan-calc {
  border-radius: 28px !important;
  padding: 36px !important;
  box-shadow: 0 22px 60px rgba(0,61,165,.10), 0 2px 6px rgba(0,0,0,.04) !important;
  border: 1px solid var(--cer-border) !important;
  background: #FFFFFF !important;
}
.loan-calc h2 { font-size: .95rem !important; }
.calc-amount { font-size: 3rem !important; font-weight: 800 !important; color: var(--cer-blue) !important; }

/* ── Trust strip (NEW) — 4-up icon cards below the hero ── */
.trust-strip {
  padding: 28px 0 !important;
  background: #FFFFFF !important;
  border-top: 1px solid var(--cer-border);
  border-bottom: 1px solid var(--cer-border);
  position: relative;
  z-index: 2;
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  align-items: center;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 6px 0;
}
.trust-item svg { flex: 0 0 auto; }
.trust-item strong {
  display: block;
  font-size: 13px;
  font-weight: 700;
  color: var(--cer-blue-deep);
  letter-spacing: .01em;
}
.trust-item span {
  display: block;
  font-size: 12px;
  color: #64748b;
  line-height: 1.35;
}
@media (max-width: 900px) {
  .trust-grid { grid-template-columns: repeat(2, 1fr); gap: 16px 24px; }
}
@media (max-width: 520px) {
  .trust-grid { grid-template-columns: 1fr; }
}

/* ── Features section: cleaner 2-col, bigger rounded cards ── */
.features-grid { gap: 48px !important; }
.features-content .section-heading {
  font-size: clamp(2rem, 3.6vw, 2.8rem) !important;
  letter-spacing: -.02em !important;
}
.feature-card {
  border-radius: 20px !important;
  padding: 26px 28px !important;
  border-left: 4px solid var(--cer-yellow) !important;
  box-shadow: 0 1px 3px rgba(15,23,42,.04) !important;
}
.feature-card:hover { box-shadow: 0 16px 40px rgba(0,61,165,.10) !important; }

/* ── Use cases: softer + roomier cards ── */
.use-cases-grid {
  grid-template-columns: repeat(3, 1fr) !important;
  gap: 22px !important;
  max-width: 980px;
  margin: 0 auto;
}
.use-case-card {
  border-radius: 22px !important;
  padding: 32px 22px !important;
  background: #FFFFFF !important;
  border: 1px solid var(--cer-border) !important;
  box-shadow: 0 1px 3px rgba(15,23,42,.04) !important;
  transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease !important;
}
.use-case-card:hover {
  transform: translateY(-3px);
  border-color: var(--cer-yellow);
  box-shadow: 0 18px 40px rgba(0,61,165,.10) !important;
}
.use-case-card h3 { font-size: 1rem !important; color: var(--cer-blue-deep) !important; }
@media (max-width: 700px) {
  .use-cases-grid { grid-template-columns: 1fr 1fr !important; }
}
@media (max-width: 460px) {
  .use-cases-grid { grid-template-columns: 1fr !important; }
}

/* ── Buttons: tiny shape adjustments for modern-app feel ── */
.btn-apply, .btn-apply.btn-lg, .btn-apply.btn-sm, .composite-btn {
  padding: 14px 32px !important;
  font-size: 16px !important;
  box-shadow: 0 6px 16px rgba(255,197,43,.40) !important;
}
.btn-apply.btn-lg {
  padding: 18px 40px !important;
  font-size: 18px !important;
  box-shadow: 0 12px 28px rgba(255,197,43,.45) !important;
}

/* ── FAQ cards: bigger radius, more airy ── */
.faq-item {
  border-radius: 18px !important;
  margin-bottom: 14px !important;
}
.faq-item summary { padding: 22px 26px !important; font-size: 1.02rem !important; }
.faq-answer { padding: 18px 26px 26px !important; }

/* ── FAQ contact card: more approachable ── */
.faq-contact-card {
  border-radius: 24px !important;
  padding: 32px !important;
}

/* ── Pre-footer CTA: bigger, rounder, bolder ── */
.pre-footer { padding: 90px 0 !important; }
.pre-footer .container.pre-footer-inner {
  max-width: 820px;
  text-align: center;
  margin: 0 auto;
}
.pre-footer h2 {
  font-size: clamp(2.2rem, 4vw, 3rem) !important;
  margin-bottom: 28px !important;
  letter-spacing: -.02em !important;
}

/* ── Footer ── */
.site-footer { padding-top: 72px !important; }

/* ═══════════════ CONTACT PAGE STYLES ═══════════════ */
.contact-hero {
  padding: 80px 0 60px !important;
  background: linear-gradient(180deg, #FFFFFF 0%, var(--cer-blue-faint) 100%) !important;
}
.contact-hero h1 {
  font-size: clamp(2.4rem, 4.8vw, 3.8rem) !important;
  line-height: 1.05 !important;
  font-weight: 800 !important;
  color: var(--cer-blue-deep);
  margin-bottom: 18px !important;
  letter-spacing: -.02em;
}
.contact-details {
  padding: 40px 0 80px !important;
  background: var(--cer-blue-faint);
  position: relative;
}
.contact-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  max-width: 1080px;
  margin: 0 auto;
}
.contact-card {
  background: #FFFFFF;
  border: 1px solid var(--cer-border);
  border-radius: 24px;
  padding: 32px 28px;
  text-align: left;
  box-shadow: 0 1px 3px rgba(15,23,42,.04);
  transition: transform .2s ease, box-shadow .2s ease;
}
.contact-card:hover { transform: translateY(-3px); box-shadow: 0 18px 40px rgba(0,61,165,.10); }
.contact-icon {
  width: 56px; height: 56px;
  display: inline-flex;
  align-items: center; justify-content: center;
  background: var(--cer-blue-faint);
  border-radius: 16px;
  margin-bottom: 18px;
}
.contact-card h3 {
  font-size: 1.05rem;
  color: var(--cer-blue-deep);
  margin-bottom: 8px;
}
.contact-card p {
  font-size: 15px;
  color: #0F172A;
  margin: 4px 0;
}
.contact-card p a { color: var(--cer-blue); font-weight: 700; text-decoration: none; }
.contact-card p a:hover { text-decoration: underline; }
.contact-card .contact-sub {
  color: #64748b;
  font-size: 13px;
  margin-top: 10px;
  line-height: 1.45;
}
@media (max-width: 820px) {
  .contact-grid { grid-template-columns: 1fr; }
}

.contact-map-section {
  padding: 90px 0 !important;
  background: #FFFFFF;
}
.contact-map-section .section-heading {
  font-size: clamp(1.9rem, 3.4vw, 2.6rem) !important;
  margin-bottom: 14px !important;
}
.map-wrapper {
  max-width: 1080px;
  margin: 0 auto;
  border-radius: 24px;
  overflow: hidden;
  box-shadow: 0 18px 48px rgba(0,61,165,.14), 0 2px 6px rgba(0,0,0,.04);
}

/* Disable the hero angled blob on contact page (too busy with the map) */
.contact-hero::before, .contact-hero::after { display: none !important; }
.contact-hero .hero-grid::before { display: none !important; }


/* ═════════════════════════════════════════════════════════════════════
   POLISH v7 — friendly-fintech landing aesthetic
   Larger display type, softer alternating surfaces (white / pale blue /
   pale cream), rounder cards with softer shadows, testimonials row with
   star rating + avatar, restored step-number circles in how-it-works.
   ═════════════════════════════════════════════════════════════════════ */

/* ── Expanded type scale for a more display-y hero ── */
.page-hero .hero-content h1 {
  font-size: clamp(2.8rem, 6.2vw, 5rem) !important;
  line-height: .98 !important;
  letter-spacing: -.035em !important;
  font-weight: 800 !important;
}
.page-hero .hero-subtitle {
  font-size: 1.2rem !important;
  line-height: 1.5 !important;
  color: #475569 !important;
}

/* ── Softer section alternation: white -> pale blue -> pale cream -> repeat ── */
.features      { background: #FFFFFF !important; }
.use-cases     { background: #F5F8FF !important; }   /* pale blue */
.testimonials  {
  background: #FFF1E0 !important;                    /* warm cream so the row pops */
  padding: 100px 0 !important;
  position: relative;
  overflow: hidden;
}
.testimonials::before {
  content: "";
  position: absolute;
  top: -120px; right: -120px;
  width: 320px; height: 320px;
  background: #FF7900;
  opacity: .18;
  border-radius: 62% 38% 47% 53% / 55% 48% 52% 45%;
  transform: rotate(-14deg);
  pointer-events: none;
}
.how-it-works  { background: #FFFFFF !important; }
.requirements  { background: #F5F8FF !important; }
.service-area  { background: #FFFFFF !important; }
.faq           { background: #FFF1E0 !important; }

/* ── Bigger, rounder cards across the board ── */
.feature-card, .use-case-card, .faq-item {
  border-radius: 22px !important;
}

/* ── Testimonial cards ── */
.testimonials .section-heading { color: #001F3F !important; }
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  max-width: 1100px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}
.tm-card {
  background: #FFFFFF;
  border: 1px solid #E6EAF0;
  border-radius: 24px;
  padding: 28px 24px;
  box-shadow: 0 1px 3px rgba(15,23,42,.04);
  display: flex;
  flex-direction: column;
  gap: 14px;
  transition: transform .18s ease, box-shadow .18s ease;
}
.tm-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 18px 40px rgba(0,61,165,.10);
}
.tm-stars {
  display: flex;
  gap: 2px;
}
.tm-card blockquote {
  margin: 0;
  font-size: 1.02rem;
  line-height: 1.55;
  color: #0F172A;
  font-weight: 500;
  flex: 1;
}
.tm-card figcaption {
  display: flex;
  align-items: center;
  gap: 12px;
  padding-top: 12px;
  border-top: 1px solid #E6EAF0;
}
.tm-avatar {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: linear-gradient(135deg, #003C71, #00254E);
  color: #FF7900;
  font-weight: 800;
  font-size: 14px;
  letter-spacing: .02em;
  display: flex;
  align-items: center;
  justify-content: center;
  flex: 0 0 auto;
}
.tm-card figcaption strong {
  display: block;
  color: #001F3F;
  font-size: .95rem;
  letter-spacing: -.01em;
}
.tm-card figcaption span {
  display: block;
  color: #64748b;
  font-size: 12.5px;
  font-weight: 500;
}
@media (max-width: 900px) {
  .testimonials-grid { grid-template-columns: 1fr; gap: 16px; max-width: 520px; }
  .testimonials      { padding: 72px 0 !important; }
}

/* ── How-it-works: restored step numbers + softer cards ── */
.how-grid {
  display: grid !important;
  grid-template-columns: 1fr 1.2fr !important;
  gap: 72px !important;
  align-items: start;
}
.how-left .section-heading { text-align: left !important; }
.how-right {
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.step-card {
  background: #FFFFFF !important;
  border: 1px solid #E6EAF0 !important;
  border-radius: 20px !important;
  padding: 22px 24px !important;
  display: grid !important;
  grid-template-columns: 56px 1fr !important;
  align-items: center;
  gap: 18px !important;
  box-shadow: 0 1px 3px rgba(15,23,42,.04);
  transition: transform .15s ease, box-shadow .15s ease;
}
.step-card:hover {
  transform: translateX(3px);
  box-shadow: 0 12px 32px rgba(0,61,165,.10);
}
.step-num {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: linear-gradient(135deg, #003C71, #00254E);
  color: #FF7900;
  font-weight: 800;
  font-size: 1.4rem;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 6px 16px rgba(0,61,165,.25);
  flex: 0 0 auto;
}
.step-label {
  font-size: 1.08rem;
  font-weight: 800;
  color: #001F3F;
  margin-bottom: 4px;
  letter-spacing: -.01em;
}
.step-card p {
  color: #4B5563;
  font-size: .95rem;
  line-height: 1.5;
  margin: 0;
}
.testimonial-card {
  background: linear-gradient(135deg, #003C71, #00254E);
  color: #FFFFFF;
  padding: 24px 26px;
  border-radius: 20px;
  margin-top: 24px;
}
.testimonial-card .testimonial-name {
  color: #FF7900 !important;
  font-weight: 700;
  font-size: .9rem;
  letter-spacing: .02em;
}
.testimonial-card .testimonial-quote {
  color: #FFFFFF !important;
  font-size: 1rem;
  line-height: 1.55;
  margin-top: 10px;
  font-style: italic;
}
@media (max-width: 900px) {
  .how-grid { grid-template-columns: 1fr !important; gap: 40px !important; }
  .how-left .section-heading { text-align: left !important; }
}

/* ── Sweet softer shadows everywhere ── */
.feature-card, .use-case-card, .tm-card, .step-card, .contact-card {
  box-shadow: 0 1px 2px rgba(15,23,42,.04), 0 2px 8px rgba(15,23,42,.03) !important;
}

/* ── Bigger Apply button lift on hover ── */
.btn-apply:hover, .btn-apply.btn-lg:hover {
  transform: translateY(-3px) !important;
}

/* ── Refine FAQ contrast against warm section background ── */
.faq { padding: 100px 0 !important; }
.faq-item { background: #FFFFFF !important; }
.faq-item summary { color: #001F3F !important; }

/* ── Pre-footer headline sized for impact ── */
.pre-footer h2 {
  font-size: clamp(2.2rem, 4.5vw, 3.4rem) !important;
  letter-spacing: -.025em !important;
}


/* ═════════════════════════════════════════════════════════════════════
   POLISH v8 — real fintech punch
   Bigger display type, high-contrast navy block, wavy dividers, massive
   stat callouts, louder buttons, proper breathing room between sections.
   ═════════════════════════════════════════════════════════════════════ */

/* ── 1. TYPOGRAPHY — push display type further ── */
.page-hero .hero-content h1 {
  font-size: clamp(3rem, 7vw, 5.8rem) !important;
  line-height: .95 !important;
  letter-spacing: -.04em !important;
  font-weight: 900 !important;  /* crank the weight */
}
.section-heading {
  font-size: clamp(2rem, 4vw, 3.2rem) !important;
  line-height: 1.05 !important;
  letter-spacing: -.025em !important;
  font-weight: 900 !important;
}

/* ── 2. SPACING — fix the "touching section above" bug ── */
.trust-strip {
  margin-top: 0 !important;
  padding: 36px 0 !important;
  border-top: none !important;
  border-bottom: none !important;
  background: #FFFFFF !important;
  position: relative;
  z-index: 3;
}
.trust-strip + section,
.trust-strip ~ section { margin-top: 0 !important; }

/* Give EVERY major section generous top breathing room */
.features, .use-cases, .testimonials, .how-it-works,
.requirements, .service-area, .faq {
  padding-top: 110px !important;
  padding-bottom: 110px !important;
}
/* Explicit space above the testimonial section heading */
.testimonials .section-heading { margin-top: 0 !important; padding-top: 0 !important; }
.testimonials .container { padding-top: 8px; }

/* ── 3. BIG STATS STRIP — chunky display numbers under the hero ── */
.big-stats {
  background: #FFFFFF;
  padding: 50px 0 70px !important;
  position: relative;
  z-index: 2;
}
.stats-grid {
  display: grid;
  grid-template-columns: 1fr 1px 1fr 1px 1fr;
  gap: 24px;
  align-items: center;
  max-width: 1100px;
  margin: 0 auto;
  padding: 36px 40px;
  background: linear-gradient(135deg, #FFF1E0 0%, #FFFFFF 50%, #F5F8FF 100%);
  border-radius: 28px;
  box-shadow: 0 24px 60px rgba(0,61,165,.12), 0 2px 8px rgba(0,0,0,.04);
  border: 1px solid rgba(255,197,43,.35);
}
.stat-block { text-align: center; }
.stat-num {
  font-size: clamp(2rem, 4.5vw, 3.4rem);
  font-weight: 900;
  color: #003C71;
  letter-spacing: -.03em;
  line-height: 1;
  margin-bottom: 8px;
  background: linear-gradient(135deg, #003C71 0%, #00254E 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.stat-lbl {
  font-size: 13px;
  font-weight: 700;
  color: #64748b;
  text-transform: uppercase;
  letter-spacing: .12em;
}
.stat-divider {
  width: 1px;
  height: 54px;
  background: linear-gradient(180deg, transparent, #E6EAF0, transparent);
  justify-self: center;
}
@media (max-width: 720px) {
  .stats-grid {
    grid-template-columns: 1fr;
    gap: 22px;
    padding: 28px 24px;
  }
  .stat-divider {
    width: 60%;
    height: 1px;
    background: linear-gradient(90deg, transparent, #E6EAF0, transparent);
  }
}

/* ── 4. FEATURES AS A NAVY HERO BLOCK — high-contrast punch ── */
.features.features-navy {
  background: linear-gradient(135deg, #001A3D 0%, #00254E 100%) !important;
  color: #FFFFFF;
  padding: 120px 0 !important;
  position: relative;
  overflow: hidden;
}
.features.features-navy::before, .features.features-navy::after {
  /* Override earlier blob rules so navy section gets its own decoration */
  width: 0 !important; height: 0 !important; opacity: 0 !important;
}
/* Yellow glow accent inside the navy block */
.features.features-navy .features-content::before {
  content: "";
  position: absolute;
  top: -100px; right: -80px;
  width: 340px; height: 340px;
  background: radial-gradient(closest-side, rgba(255,197,43,.30), transparent 70%);
  pointer-events: none;
  z-index: 0;
}
.features.features-navy .section-heading { color: #FFFFFF !important; }
.features.features-navy .section-heading .underline-accent {
  background-image: linear-gradient(transparent 62%, rgba(255,197,43,.60) 62%) !important;
  color: #FF7900;
}
.features.features-navy > .container > .features-grid > .features-content > p {
  color: #C9D6EC !important;
  font-size: 1.12rem !important;
}
.features.features-navy .feature-card {
  background: rgba(255,255,255,.05) !important;
  border: 1px solid rgba(255,255,255,.12) !important;
  backdrop-filter: blur(4px);
  border-left-color: #FF7900 !important;
}
.features.features-navy .feature-card h3 { color: #FFFFFF !important; }
.features.features-navy .feature-card p { color: #C9D6EC !important; }
.features.features-navy .feature-card:hover {
  background: rgba(255,255,255,.08) !important;
  border-color: rgba(255,255,255,.20) !important;
  box-shadow: 0 18px 40px rgba(0,0,0,.30) !important;
}
.features.features-navy .btn-apply {
  box-shadow: 0 14px 34px rgba(255,197,43,.55) !important;
}
.features.features-navy .features-link {
  color: #FF7900 !important;
}
/* Make the phone illustration pop more against navy */
.features.features-navy .features-image-v2 svg circle[fill="#FFF8E1"] { fill: rgba(255,197,43,.10) !important; }
.features.features-navy .features-image-v2 svg circle[fill="#F5E1AC"] { fill: rgba(255,197,43,.18) !important; }

/* ── 5. WAVE DIVIDERS — transition into/out of the navy block ── */
.wave-divider {
  display: block;
  width: 100%;
  line-height: 0;
  overflow: hidden;
  margin: 0;
  background: #FFFFFF;
}
.wave-divider svg {
  display: block;
  width: 100%;
  height: 90px;
}
.wave-divider.wave-down { background: #FFFFFF; }
.wave-divider.wave-down svg path { fill: #001A3D; }
.wave-divider.wave-up { background: #FFFFFF; }
.wave-divider.wave-up svg path { fill: #001A3D; }
@media (max-width: 600px) {
  .wave-divider svg { height: 60px; }
}

/* ── 6. BUTTONS — louder glow, deeper lift ── */
.btn-apply, .btn-apply.btn-lg {
  box-shadow: 0 10px 28px rgba(255,197,43,.50) !important;
  padding: 15px 36px !important;
  font-size: 16px !important;
}
.btn-apply.btn-lg {
  padding: 19px 44px !important;
  font-size: 19px !important;
  box-shadow: 0 18px 44px rgba(255,197,43,.55) !important;
}
.btn-apply:hover, .btn-apply.btn-lg:hover {
  box-shadow: 0 20px 48px rgba(224,168,0,.65) !important;
  transform: translateY(-3px);
}
/* subtle shimmer on hero CTA */
.hero-cta .btn-apply {
  position: relative;
  overflow: hidden;
}

/* ── 7. HERO polish: bigger, more generous ── */
.page-hero {
  padding: 100px 0 100px !important;
}
.page-hero .hero-subtitle {
  font-size: 1.22rem !important;
  line-height: 1.5 !important;
}
.page-hero .hero-grid { gap: 72px !important; }
.loan-calc {
  border-radius: 32px !important;
  padding: 40px !important;
  box-shadow: 0 28px 72px rgba(0,61,165,.14), 0 2px 8px rgba(0,0,0,.04) !important;
}
.calc-amount {
  font-size: 3.6rem !important;
  font-weight: 900 !important;
  letter-spacing: -.04em;
  background: linear-gradient(135deg, #003C71, #00254E);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* ── 8. USE CASES — chunkier cards ── */
.use-cases { padding: 110px 0 !important; }
.use-case-card {
  padding: 36px 24px !important;
  border-radius: 24px !important;
}
.use-case-card .use-case-icon svg {
  max-width: 64px !important;
  height: 64px !important;
}
.use-case-card h3 {
  font-size: 1.08rem !important;
  font-weight: 800 !important;
  margin-top: 4px !important;
}

/* ── 9. TESTIMONIALS — softer, warmer ── */
.testimonials { padding: 110px 0 !important; }
.testimonials .section-heading { margin-bottom: 14px !important; }
.testimonials > .container > p { margin-bottom: 56px !important; }
.tm-card {
  padding: 32px 28px !important;
  border-radius: 28px !important;
}

/* ── 10. PRE-FOOTER — bigger dramatic CTA ── */
.pre-footer { padding: 110px 0 !important; }
.pre-footer h2 {
  font-size: clamp(2.4rem, 5vw, 3.8rem) !important;
  font-weight: 900 !important;
  letter-spacing: -.03em !important;
}

/* ── 11. FAQ — tighter border radius consistency ── */
.faq-item { border-radius: 20px !important; }

/* ── 12. Mobile spacing tighter but still breathing ── */
@media (max-width: 700px) {
  .features, .use-cases, .testimonials, .how-it-works,
  .requirements, .service-area, .faq,
  .pre-footer { padding-top: 72px !important; padding-bottom: 72px !important; }
  .big-stats { padding: 36px 16px 48px !important; }
  .stats-grid { padding: 24px 20px; border-radius: 22px; }
  .page-hero { padding: 72px 0 80px !important; }
  .features.features-navy { padding: 84px 0 !important; }
}


/* ═════════════════════════════════════════════════════════════════════
   POLISH v9 — clean alternating sections + free-flowing global blobs
   Wave dividers removed. Page-level blobs span section boundaries.
   Rhythm: section 1 white, section 2 warm-cream, repeating.
   ═════════════════════════════════════════════════════════════════════ */

/* Allow body-level blobs to overflow without clipping across sections.
   Use `clip` (not `hidden`) because iOS Safari can get stuck blocking
   vertical scroll when the body is `overflow-x: hidden` and something
   pokes outside the viewport. `clip` trims the paint without creating
   a scroll container, so touch-scroll stays smooth on iPhone. */
html, body { overflow-x: clip; }
body { position: relative; }
main { position: relative; z-index: 0; }

/* ── Kill every prior section-scoped blob decoration so v9 blobs are the
     sole decorative layer ── */
.page-hero::before, .page-hero::after,
.page-hero .hero-grid::before, .page-hero .hero-grid::after,
.features::before, .features::after,
.use-cases::before, .use-cases::after,
.service-area::before, .service-area::after,
.faq::before, .faq::after,
.pre-footer::before, .pre-footer::after,
.testimonials::before {
  display: none !important;
  content: none !important;
}
/* Undo overflow:hidden on sections so nothing clips the global blobs */
.page-hero, .features, .use-cases, .testimonials, .how-it-works,
.requirements, .service-area, .faq {
  overflow: visible !important;
}
/* Pre-footer stays clipped — it has its own contained glow/curve */
.pre-footer { overflow: hidden !important; }

/* Ensure content sits above the blobs */
.page-hero > *, .features > *, .use-cases > *, .testimonials > *,
.how-it-works > *, .requirements > *, .service-area > *, .faq > *,
.pre-footer > *, .big-stats > *, .trust-strip > * {
  position: relative;
  z-index: 1;
}

/* Undo navy features block; back to clean surface with no override tint */
.features.features-navy { background: none !important; color: inherit !important; padding: 0 !important; }
.features.features-navy .section-heading { color: #001F3F !important; }
.features.features-navy .features-content p { color: #4B5563 !important; font-size: 1rem !important; }
.features.features-navy .feature-card {
  background: #FFFFFF !important;
  border: 1px solid #E6EAF0 !important;
  backdrop-filter: none;
  border-left: 4px solid #FF7900 !important;
}
.features.features-navy .feature-card h3 { color: #001F3F !important; }
.features.features-navy .feature-card p  { color: #4B5563 !important; }
.features.features-navy .features-image-v2 svg circle[fill="rgba(255,197,43,.10)"] { fill: #FFF8E1 !important; }
.features.features-navy .features-image-v2 svg circle[fill="rgba(255,197,43,.18)"] { fill: #F5E1AC !important; }

/* ══════════════ CLEAN ALTERNATING SECTION SURFACES ══════════════
   Rhythm (top → bottom):
     hero            white
     trust-strip     white
     big-stats       white
     features        cream       ← 1
     use-cases       white
     testimonials    cream       ← 2
     how-it-works    white
     requirements    cream       ← 3
     service-area    white
     faq             cream       ← 4
     pre-footer      navy (its own brand CTA block)
*/
:root { --cer-cream: #FFF1E0; }

.page-hero, .trust-strip, .big-stats,
.use-cases, .how-it-works, .service-area {
  background: #FFFFFF !important;
}
.features, .testimonials, .requirements, .faq {
  background: var(--cer-cream) !important;
}

/* Keep the pre-footer navy gradient — it's the closing CTA block */
.pre-footer {
  background: linear-gradient(135deg, #003C71 0%, #001A3D 100%) !important;
}

/* ══════════════ FLOWING GLOBAL BLOBS ══════════════
   Large organic shapes positioned absolutely on <main>, so they cross
   section boundaries and create a continuous visual layer behind content.
   Each blob uses asymmetric border-radius for a unique silhouette.
*/
.global-blobs {
  position: absolute;
  inset: 0;
  pointer-events: none;
  z-index: 0;
  overflow: hidden;   /* clip to main — prevents horizontal scroll bar */
}
.gb {
  position: absolute;
  pointer-events: none;
  filter: blur(0.3px);   /* softens the edge ever so slightly */
  will-change: transform;
}

/* Top-right yellow, behind hero + trust + stats (spans ~3 sections) */
.gb-1 {
  top: -120px; right: -260px;
  width: 760px; height: 700px;
  background: #FF7900;
  opacity: .20;
  border-radius: 62% 38% 47% 53% / 55% 48% 52% 45%;
  transform: rotate(-12deg);
}

/* Mid-left navy, behind features + use-cases transition */
.gb-2 {
  top: 720px; left: -320px;
  width: 700px; height: 680px;
  background: #003C71;
  opacity: .07;
  border-radius: 58% 42% 55% 45% / 48% 56% 44% 52%;
  transform: rotate(16deg);
}

/* Mid-right yellow, behind testimonials */
.gb-3 {
  top: 1720px; right: -300px;
  width: 720px; height: 660px;
  background: #FF7900;
  opacity: .16;
  border-radius: 48% 52% 60% 40% / 52% 48% 52% 48%;
  transform: rotate(-18deg);
}

/* Mid-left yellow accent between how-it-works and requirements */
.gb-4 {
  top: 2700px; left: -280px;
  width: 640px; height: 620px;
  background: #FF7900;
  opacity: .14;
  border-radius: 55% 45% 50% 50% / 50% 50% 50% 50%;
  transform: rotate(22deg);
}

/* Right-side navy, behind service-area */
.gb-5 {
  top: 3650px; right: -280px;
  width: 680px; height: 640px;
  background: #003C71;
  opacity: .06;
  border-radius: 45% 55% 60% 40% / 55% 45% 55% 45%;
  transform: rotate(-10deg);
}

/* Left-side yellow, behind FAQ */
.gb-6 {
  top: 4600px; left: -300px;
  width: 720px; height: 700px;
  background: #FF7900;
  opacity: .18;
  border-radius: 52% 48% 40% 60% / 48% 52% 48% 52%;
  transform: rotate(14deg);
}

/* Small navy tuck above pre-footer */
.gb-7 {
  top: 5400px; right: -240px;
  width: 520px; height: 500px;
  background: #003C71;
  opacity: .08;
  border-radius: 58% 42% 52% 48% / 50% 50% 50% 50%;
  transform: rotate(-24deg);
}

/* Mobile: scale blobs way down so they don't dominate and still flow */
@media (max-width: 800px) {
  .gb-1 { width: 460px; height: 420px; right: -200px; top: -100px; opacity: .22; }
  .gb-2 { width: 420px; height: 400px; left: -220px; top: 620px; }
  .gb-3 { width: 440px; height: 400px; right: -200px; top: 1500px; }
  .gb-4 { width: 360px; height: 360px; left: -180px; top: 2400px; }
  .gb-5 { width: 400px; height: 380px; right: -180px; top: 3200px; }
  .gb-6 { width: 440px; height: 420px; left: -200px; top: 4000px; }
  .gb-7 { width: 320px; height: 300px; right: -160px; top: 4800px; }
}
@media (max-width: 500px) {
  .gb-1 { width: 340px; height: 320px; right: -140px; opacity: .25; }
  .gb-2 { width: 300px; height: 300px; left: -140px; top: 560px; }
  .gb-3 { width: 320px; height: 300px; right: -140px; top: 1320px; }
  .gb-4 { width: 280px; height: 280px; left: -120px; top: 2080px; }
  .gb-5 { width: 300px; height: 280px; right: -120px; top: 2800px; }
  .gb-6 { width: 320px; height: 320px; left: -140px; top: 3520px; }
  .gb-7 { width: 240px; height: 220px; right: -100px; top: 4200px; }
}

/* ═════════════════════════════════════════════════════════════════════
   LOGO SIZING v10 — raster PNG now replacing the SVG wordmark.
   Constrain height with auto width so aspect ratio stays natural no
   matter what dimensions the uploaded PNG has.
   ═════════════════════════════════════════════════════════════════════ */
.site-header .logo img {
  height: 48px !important;
  width: auto !important;
  max-width: 240px;
  object-fit: contain;
  display: block;
}
.mobile-menu-logo img {
  height: 40px !important;
  width: auto !important;
  max-width: 200px;
  object-fit: contain;
}
.footer-bottom-left img,
.pre-footer img {
  height: 48px !important;
  width: auto !important;
  max-width: 260px;
  object-fit: contain;
}
@media (max-width: 600px) {
  .site-header .logo img { height: 40px !important; max-width: 200px; }
  .mobile-menu-logo img  { height: 36px !important; }
  .footer-bottom-left img, .pre-footer img { height: 42px !important; }
}


/* ═════════════════════════════════════════════════════════════════════
   POLISH v10 — bulk fix pass
   · Bigger logo (64px header, 56px mobile menu, 60px footer)
   · Breathing room above testimonials section
   · Pre-footer Apply button visibility fix (no more green flash)
   · More flowing blobs, fixed-position for always-visible color wash
   · Service-area Google Maps iframe styled
   · Navy background wash as continuous sheet across scroll (apply-page style)
   ═════════════════════════════════════════════════════════════════════ */

/* ── Logo sizes bumped — the PNG was reading as too small previously ── */
.site-header .logo img {
  height: 64px !important;
  width: auto !important;
  max-width: 320px !important;
  object-fit: contain;
}
.mobile-menu-logo img,
.mobile-menu-header img {
  height: 56px !important;
  width: auto !important;
  max-width: 280px !important;
}
.footer-bottom-left img {
  height: 60px !important;
  width: auto !important;
  max-width: 300px !important;
}
.pre-footer img {
  height: 56px !important;
  width: auto !important;
  max-width: 280px !important;
}
.features-image-v2 .composite-logo,
.composite-logo {
  height: 40px !important;
  width: auto !important;
}

/* Mobile tweaks — still prominent but compact */
@media (max-width: 600px) {
  .site-header .logo img { height: 54px !important; max-width: 240px !important; }
  .mobile-menu-logo img, .mobile-menu-header img { height: 48px !important; }
  .footer-bottom-left img { height: 52px !important; }
  .pre-footer img { height: 48px !important; }
}
@media (max-width: 400px) {
  .site-header .logo img { height: 48px !important; max-width: 200px !important; }
}
/* Header row grows a bit to fit the bigger logo */
.site-header .header-inner { padding: 18px 0 !important; }

/* ── Breathing room above 'What Anaheim borrowers are saying' ── */
.testimonials {
  margin-top: 40px;
  padding-top: 120px !important;
  padding-bottom: 120px !important;
}
.testimonials .section-heading { margin-top: 12px !important; }

/* ── Service-area Google Maps iframe styling ── */
.service-area-map {
  max-width: 920px;
  margin: 0 auto 32px !important;
  border-radius: 24px;
  overflow: hidden;
  box-shadow: 0 18px 48px rgba(0,61,165,.14), 0 2px 6px rgba(0,0,0,.04);
}
.service-area-map iframe {
  display: block;
  width: 100%;
  height: 380px;
  border: 0;
}
@media (max-width: 600px) {
  .service-area-map iframe { height: 300px; }
}

/* ── PRE-FOOTER Apply button — strong contrast against navy background ── */
.pre-footer .btn-apply,
.pre-footer .btn-apply.btn-lg {
  background: #FF7900 !important;
  color: #00254E !important;
  border: 2px solid #FF7900 !important;
  box-shadow: 0 16px 40px rgba(255,197,43,.55), 0 0 0 6px rgba(255,255,255,.08) !important;
  font-weight: 800 !important;
}
.pre-footer .btn-apply:hover,
.pre-footer .btn-apply.btn-lg:hover {
  background: #FFFFFF !important;
  color: #003C71 !important;
  border-color: #FFFFFF !important;
  box-shadow: 0 20px 48px rgba(255,255,255,.35) !important;
  transform: translateY(-3px);
}

/* Just in case: global Apply button hover must never be green.
   Any leftover rule that turned buttons green gets slapped here. */
.btn-apply:hover,
.btn-apply.btn-lg:hover,
.mobile-btn-row .btn-apply:hover,
.composite-btn:hover {
  background: #D96900 !important;
  color: #00254E !important;
  border-color: #D96900 !important;
}

/* ── MORE BLOBS, SPREAD EVENLY (apply-page-style large organic shapes) ── */
/* Keep the 7 absolute-positioned .gb-N we already had, and add 5 more
   fixed-position blobs (like the apply page's body::before/after) so the
   color wash stays visible as you scroll. */

.global-blobs-fixed {
  position: fixed;
  inset: 0;
  pointer-events: none;
  z-index: -1;   /* behind everything — only color, not content */
  overflow: hidden;
}
.gbf {
  position: absolute;
  pointer-events: none;
}
/* Yellow viewport-fixed top-right wash */
.gbf-1 {
  top: -120px; right: -120px;
  width: 480px; height: 440px;
  background: #FF7900;
  opacity: .14;
  border-radius: 62% 38% 47% 53% / 55% 48% 52% 45%;
  transform: rotate(-14deg);
}
/* Navy viewport-fixed bottom-left wash */
.gbf-2 {
  bottom: -140px; left: -140px;
  width: 420px; height: 400px;
  background: #003C71;
  opacity: .06;
  border-radius: 58% 42% 35% 65% / 48% 56% 44% 52%;
  transform: rotate(18deg);
}

/* Extra absolute in-scroll blobs for an even spread */
.gb-8, .gb-9, .gb-10, .gb-11, .gb-12 {
  position: absolute;
  pointer-events: none;
}
.gb-8 {
  top: 500px; right: 40%;
  width: 260px; height: 240px;
  background: #FF7900;
  opacity: .12;
  border-radius: 50% 50% 60% 40% / 50% 50% 45% 55%;
  transform: rotate(-6deg);
}
.gb-9 {
  top: 1400px; left: 45%;
  width: 240px; height: 230px;
  background: #003C71;
  opacity: .05;
  border-radius: 55% 45% 50% 50% / 48% 52% 48% 52%;
  transform: rotate(12deg);
}
.gb-10 {
  top: 2250px; right: 30%;
  width: 280px; height: 250px;
  background: #FF7900;
  opacity: .10;
  border-radius: 48% 52% 60% 40% / 52% 48% 52% 48%;
  transform: rotate(-16deg);
}
.gb-11 {
  top: 3200px; left: 25%;
  width: 260px; height: 240px;
  background: #FF7900;
  opacity: .11;
  border-radius: 52% 48% 40% 60% / 48% 52% 48% 52%;
  transform: rotate(8deg);
}
.gb-12 {
  top: 4400px; right: 35%;
  width: 240px; height: 220px;
  background: #003C71;
  opacity: .05;
  border-radius: 45% 55% 58% 42% / 52% 48% 52% 48%;
  transform: rotate(-10deg);
}
@media (max-width: 800px) {
  .gb-8, .gb-9, .gb-10, .gb-11, .gb-12 { display: none; }  /* mobile gets fixed blobs only */
  .gbf-1 { width: 320px; height: 300px; opacity: .18; }
  .gbf-2 { width: 280px; height: 260px; }
}

/* ── Ensure page-level blob wrappers are visible behind content ── */
.global-blobs { z-index: 0; }

/* ── Overall section padding — slightly taller so the whole page breathes ── */
.features, .use-cases, .how-it-works, .requirements,
.service-area, .faq { padding: 120px 0 !important; }
@media (max-width: 700px) {
  .features, .use-cases, .testimonials, .how-it-works, .requirements,
  .service-area, .faq { padding: 80px 0 !important; }
  .testimonials { margin-top: 24px; padding-top: 88px !important; }
}


/* ═════════════════════════════════════════════════════════════════════
   POLISH v11 — bulletproof trust strip + visibility fixes
   Replaces the previous .trust-grid / .trust-item rules with a clean
   card-based grid that can't collapse badly at any width.
   Also reinforces the pre-footer button styles against cascade overrides.
   ═════════════════════════════════════════════════════════════════════ */

/* ── NEW TRUST STRIP (v2 markup) ── */
.trust-strip-v2 {
  background: #FFFFFF !important;
  padding: 44px 0 !important;
  margin: 0 !important;
  border: none !important;
  position: relative;
  z-index: 3;
}
.trust-strip-v2 .container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px;
}
.ts-grid {
  list-style: none !important;
  margin: 0 !important;
  padding: 0 !important;
  display: grid !important;
  grid-template-columns: repeat(4, 1fr) !important;
  gap: 16px !important;
}
.ts-item {
  display: flex !important;
  flex-direction: column !important;
  align-items: center !important;
  text-align: center !important;
  gap: 8px !important;
  padding: 20px 16px !important;
  background: #FFFFFF;
  border: 1px solid #E6EAF0;
  border-radius: 16px;
  box-shadow: 0 1px 2px rgba(15,23,42,.04);
  transition: transform .15s ease, box-shadow .15s ease, border-color .15s ease;
}
.ts-item:hover {
  transform: translateY(-2px);
  border-color: #FF7900;
  box-shadow: 0 10px 24px rgba(0,61,165,.08);
}
.ts-icon {
  width: 48px;
  height: 48px;
  display: flex !important;
  align-items: center;
  justify-content: center;
  background: #FFF1E0;
  border-radius: 12px;
  flex-shrink: 0;
}
.ts-icon svg {
  display: block;
  width: 26px;
  height: 26px;
}
.ts-title {
  display: block !important;
  font-weight: 800 !important;
  font-size: 14px !important;
  color: #00254E !important;
  letter-spacing: .01em;
  line-height: 1.2;
}
.ts-sub {
  display: block !important;
  font-weight: 500 !important;
  font-size: 12px !important;
  color: #64748b !important;
  line-height: 1.35;
  letter-spacing: 0;
}

/* Mobile — 2 cols, then 1 col at very narrow */
@media (max-width: 900px) {
  .ts-grid { grid-template-columns: repeat(2, 1fr) !important; }
  .trust-strip-v2 { padding: 36px 0 !important; }
}
@media (max-width: 420px) {
  .ts-grid { grid-template-columns: 1fr !important; }
  .ts-item { flex-direction: row !important; text-align: left !important; gap: 14px !important; padding: 16px !important; }
  .ts-icon { width: 44px; height: 44px; }
}

/* Dead old trust-strip v1 styling — zero it out so nothing leaks */
.trust-strip:not(.trust-strip-v2) { display: none !important; }
.trust-grid, .trust-item { display: none !important; }

/* ── Reinforce testimonials breathing room ── */
.testimonials {
  margin-top: 60px !important;
  padding-top: 140px !important;
  padding-bottom: 140px !important;
}
@media (max-width: 700px) {
  .testimonials { margin-top: 40px !important; padding-top: 96px !important; padding-bottom: 96px !important; }
}

/* ── Pre-footer Apply button: last-word styling (wins any cascade) ── */
.pre-footer a.btn-apply,
.pre-footer a.btn-apply.btn-lg {
  background-color: #FF7900 !important;
  background-image: none !important;
  color: #00254E !important;
  border: 2px solid #FF7900 !important;
  box-shadow: 0 0 0 5px rgba(255,255,255,.15), 0 14px 36px rgba(255,197,43,.55) !important;
  transition: background-color .15s ease, color .15s ease, box-shadow .15s ease, transform .12s ease !important;
}
.pre-footer a.btn-apply:hover,
.pre-footer a.btn-apply.btn-lg:hover {
  background-color: #FFFFFF !important;
  color: #003C71 !important;
  border-color: #FFFFFF !important;
  box-shadow: 0 0 0 5px rgba(255,255,255,.28), 0 18px 44px rgba(255,255,255,.18) !important;
  transform: translateY(-3px);
}
/* Nuke any stray green anywhere (cascade safeguard) */
a.btn-apply:hover, a.btn-apply:focus, a.btn-apply:active,
button.btn-apply:hover, button.btn-apply:focus {
  background-color: #D96900 !important;
}
.pre-footer a.btn-apply:hover { background-color: #FFFFFF !important; }

/* ── Logo another small bump on the very narrow end so it's never hidden ── */
@media (max-width: 500px) {
  .site-header .logo img { height: 52px !important; max-width: 220px !important; }
}


/* ═════════════════════════════════════════════════════════════════════
   POLISH v12 — fix logo sizing cascade (max-width was fighting height)
   ═════════════════════════════════════════════════════════════════════ */
.site-header .logo img {
  height: 72px !important;
  width: auto !important;
  max-width: none !important;
  max-height: 72px !important;
  min-height: 48px !important;
  object-fit: contain;
  display: block;
}
.mobile-menu-logo img,
.mobile-menu-header img {
  height: 56px !important;
  width: auto !important;
  max-width: none !important;
  max-height: 56px !important;
  object-fit: contain;
}
.footer-bottom-left img {
  height: 64px !important;
  width: auto !important;
  max-width: none !important;
  max-height: 64px !important;
  object-fit: contain;
}
.pre-footer img {
  height: 64px !important;
  width: auto !important;
  max-width: none !important;
  max-height: 64px !important;
  object-fit: contain;
}
.site-header .header-inner { min-height: 88px; }

/* Mobile — shrink proportionally, but still readable */
@media (max-width: 700px) {
  .site-header .logo img { height: 56px !important; max-height: 56px !important; }
  .site-header .header-inner { min-height: 72px; }
}
@media (max-width: 480px) {
  .site-header .logo img { height: 48px !important; max-height: 48px !important; }
  .mobile-menu-logo img { height: 44px !important; max-height: 44px !important; }
  .footer-bottom-left img, .pre-footer img { height: 52px !important; max-height: 52px !important; }
}


/* ═════════════════════════════════════════════════════════════════════
   POLISH v13 — unified blob field, spacing audit, alternating rhythm,
   logo size unification at 80px
   ═════════════════════════════════════════════════════════════════════ */

/* ── Blob field (shared between marketing + apply) ── */
.ce-blob-field {
  position: fixed;
  inset: 0;
  pointer-events: none;
  z-index: -1;
  overflow: hidden;
}
.ce-blob {
  position: absolute;
  pointer-events: none;
  filter: blur(0.3px);
}
.b-yellow { background: #FF7900; }
.b-navy   { background: #003C71; }

/* Sizes */
.b-large  { width: 480px; height: 440px; border-radius: 62% 38% 47% 53% / 55% 48% 52% 45%; }
.b-mid    { width: 280px; height: 260px; border-radius: 55% 45% 60% 40% / 50% 50% 50% 50%; }
.b-small  { width: 160px; height: 150px; border-radius: 58% 42% 52% 48% / 50% 50% 50% 50%; }

/* Opacity scheme: yellow a bit louder, navy subtle */
.b-yellow.b-large { opacity: .16; }
.b-navy.b-large   { opacity: .07; }
.b-yellow.b-mid   { opacity: .14; }
.b-navy.b-mid     { opacity: .06; }
.b-yellow.b-small { opacity: .20; }
.b-navy.b-small   { opacity: .08; }

/* Distinct positions per blob so they scatter evenly */
.b-1  { top: -140px;  right: -160px;  transform: rotate(-12deg); }     /* large yellow — TR */
.b-2  { bottom: -160px; left: -180px; transform: rotate(18deg); }      /* large navy — BL */
.b-3  { top: 45%; right: -180px;       transform: rotate(-22deg); }    /* large yellow — mid-right */
.b-4  { top: 18%; left: -120px;        transform: rotate(14deg); }     /* mid navy — upper-left */
.b-5  { top: 62%; left: -100px;        transform: rotate(-8deg); }     /* mid yellow — lower-left */
.b-6  { top: 8%;  right: 30%;          transform: rotate(12deg); }     /* mid navy — top-center-right */
.b-7  { bottom: 10%; right: 28%;       transform: rotate(-16deg); }    /* mid yellow — bottom-center */
.b-8  { top: 30%; left: 35%;           transform: rotate(8deg); }      /* small yellow accent */
.b-9  { top: 72%; right: 18%;          transform: rotate(-14deg); }    /* small navy accent */
.b-10 { top: 6%;  left: 48%;           transform: rotate(22deg); }     /* small navy accent — top */

/* Mobile: shrink + drop the smallest three */
@media (max-width: 800px) {
  .b-large  { width: 360px; height: 320px; }
  .b-mid    { width: 220px; height: 200px; }
  .b-small  { display: none; }
  .b-6, .b-7 { opacity: .10; }
}
@media (max-width: 500px) {
  .b-large  { width: 280px; height: 260px; }
  .b-mid    { width: 180px; height: 160px; }
  .b-4, .b-6, .b-7 { display: none; }
}

/* ── Unified section padding + alternating surface rhythm ── */
.page-hero     { padding: 120px 0 110px !important; margin: 0 !important; }
.trust-strip,
.trust-strip-v2 { padding: 56px 0 !important; margin: 0 !important; background: #FFFFFF !important; }
.big-stats     { padding: 72px 0 !important;  margin: 0 !important; background: #FFF1E0 !important; }
.features      { padding: 140px 0 !important; margin: 0 !important; background: #FFFFFF !important; }
.use-cases     { padding: 140px 0 !important; margin: 0 !important; background: #FFF1E0 !important; }
.testimonials  { padding: 140px 0 !important; margin: 0 !important; background: #FFFFFF !important; }
.how-it-works  { padding: 140px 0 !important; margin: 0 !important; background: #FFF1E0 !important; }
.requirements  { padding: 140px 0 !important; margin: 0 !important; background: #FFFFFF !important; }
.service-area  { padding: 140px 0 !important; margin: 0 !important; background: #FFF1E0 !important; }
.faq           { padding: 140px 0 !important; margin: 0 !important; background: #FFFFFF !important; }
.pre-footer    { padding: 130px 0 !important; margin: 0 !important; }

/* Mobile: tighter spacing so the page isn't endless */
@media (max-width: 700px) {
  .page-hero { padding: 80px 0 !important; }
  .trust-strip, .trust-strip-v2 { padding: 36px 0 !important; }
  .big-stats { padding: 48px 0 !important; }
  .features, .use-cases, .testimonials, .how-it-works,
  .requirements, .service-area, .faq { padding: 92px 0 !important; }
  .pre-footer { padding: 88px 0 !important; }
}

/* ── Logo unification at 80px ── */
.site-header .logo img,
.cer-header .cer-logo img {
  height: 80px !important;
  width: auto !important;
  max-width: none !important;
  max-height: 80px !important;
  object-fit: contain;
  display: block;
}
.site-header .header-inner,
.cer-header .cer-header-inner { min-height: 96px; }
.mobile-menu-logo img,
.mobile-menu-header img {
  height: 60px !important;
  width: auto !important;
  max-width: none !important;
  max-height: 60px !important;
  object-fit: contain;
}
.footer-bottom-left img {
  height: 68px !important;
  width: auto !important;
  max-width: none !important;
  max-height: 68px !important;
  object-fit: contain;
}
.pre-footer img {
  height: 68px !important;
  width: auto !important;
  max-width: none !important;
  max-height: 68px !important;
  object-fit: contain;
}

@media (max-width: 700px) {
  .site-header .logo img,
  .cer-header .cer-logo img { height: 60px !important; max-height: 60px !important; }
  .site-header .header-inner,
  .cer-header .cer-header-inner { min-height: 80px; }
}
@media (max-width: 480px) {
  .site-header .logo img,
  .cer-header .cer-logo img { height: 52px !important; max-height: 52px !important; }
  .mobile-menu-logo img, .mobile-menu-header img { height: 48px !important; max-height: 48px !important; }
  .footer-bottom-left img, .pre-footer img { height: 56px !important; max-height: 56px !important; }
}

/* Extra breathing room above testimonials title (user-requested) */
.testimonials { padding-top: 180px !important; margin-top: 40px !important; }
@media (max-width: 700px) {
  .testimonials { padding-top: 120px !important; margin-top: 20px !important; }
}

/* ═════════════════════════════════════════════════════════════════════
   POLISH v15 — fix the pre-footer button-blends-into-background bug
   ═════════════════════════════════════════════════════════════════════ */
/* Kill the two huge yellow blob pseudo-elements that were making the
   pre-footer look yellow-washed (which in turn made the yellow button
   visually dissolve into the section). */
.pre-footer::before, .pre-footer::after {
  display: none !important;
  content: none !important;
  background: transparent !important;
}

/* Lock the pre-footer to a solid, unambiguous navy gradient */
section.pre-footer {
  background: linear-gradient(135deg, #003C71 0%, #001A3D 100%) !important;
  color: #FFFFFF !important;
  overflow: hidden !important;
  position: relative;
  padding: 110px 0 !important;
}
section.pre-footer h2 { color: #FFFFFF !important; }

/* Apply button: yellow fill, navy text, WHITE RING for unmistakable edge */
section.pre-footer a.btn-apply,
section.pre-footer a.btn-apply.btn-lg {
  background: #FF7900 !important;
  background-image: none !important;
  color: #00254E !important;
  border: 3px solid #FFFFFF !important;
  box-shadow:
    0 0 0 4px rgba(255,197,43,.35),
    0 18px 44px rgba(0,0,0,.30) !important;
  padding: 18px 44px !important;
  font-size: 18px !important;
  font-weight: 800 !important;
  letter-spacing: .01em;
  border-radius: 999px !important;
}
section.pre-footer a.btn-apply:hover,
section.pre-footer a.btn-apply.btn-lg:hover {
  background: #FFFFFF !important;
  color: #003C71 !important;
  border-color: #FFFFFF !important;
  box-shadow:
    0 0 0 4px rgba(255,255,255,.35),
    0 22px 52px rgba(0,0,0,.35) !important;
  transform: translateY(-3px);
}

/* ═════════════════════════════════════════════════════════════════════
   POLISH v16 — match apply-page blob visibility across marketing
   · Remove per-section solid backgrounds (they were blocking the blobs)
   · Body stays white. Blobs show through every section consistently.
   · Readability preserved via card-on-white treatment inside each section.
   · Pre-footer keeps its navy gradient (it's the brand CTA contrast block).
   ═════════════════════════════════════════════════════════════════════ */

/* Global body stays white so fixed blobs render against a clean sheet */
body { background: #FFFFFF !important; }

/* Make every section transparent so the blob field is visible site-wide */
.page-hero,
.trust-strip, .trust-strip-v2,
.big-stats,
.features,
.use-cases,
.testimonials,
.how-it-works,
.requirements,
.service-area,
.faq {
  background: transparent !important;
}

/* Remove the section-level decorative overlays that were tinting the
   pale-cream wash (redundant now that blobs carry the color) */
.features::before, .features::after,
.use-cases::before, .use-cases::after,
.testimonials::before, .testimonials::after,
.service-area::before, .service-area::after,
.faq::before, .faq::after {
  display: none !important;
  content: none !important;
}

/* Push content above the blob field */
.page-hero, .trust-strip-v2, .big-stats, .features, .use-cases,
.testimonials, .how-it-works, .requirements, .service-area, .faq,
.pre-footer { position: relative; z-index: 1; }

/* Cards get a solid white surface with soft shadow for readability
   against the now-blob-visible background */
.feature-card, .use-case-card, .tm-card, .step-card, .faq-item,
.contact-card {
  background: #FFFFFF !important;
  box-shadow: 0 2px 6px rgba(15,23,42,.04), 0 12px 32px rgba(0,61,165,.06) !important;
}

/* Hero calculator card — crisper now that it sits on a blob-visible surface */
.loan-calc {
  background: #FFFFFF !important;
  box-shadow: 0 28px 72px rgba(0,61,165,.16), 0 2px 8px rgba(0,0,0,.04) !important;
}

/* FAQ contact card keeps its navy gradient (contrast element) */
.faq-contact-card {
  background: linear-gradient(135deg, #003C71, #00254E) !important;
}

/* Thin divider between sections (subtle breathing line) instead of
   color-change rhythm — keeps the page from feeling like one giant scroll */
.features + section,
.use-cases + section,
.testimonials + section,
.how-it-works + section,
.requirements + section,
.service-area + section,
.faq + section { border-top: 1px solid rgba(15,23,42,.04); }

/* Testimonials + FAQ spacing kept generous */
.testimonials { padding-top: 160px !important; }
.faq { padding-top: 140px !important; }

/* Make sure blobs are visible, not hidden by any stale z-index */
.ce-blob-field { z-index: -1 !important; }

/* ═════════════════════════════════════════════════════════════════════
   POLISH v17 — marketing header Apply Now matches apply-page cer-cta exactly
   ═════════════════════════════════════════════════════════════════════ */
.site-header .header-actions .btn-apply {
  background: #FF7900 !important;
  color: #00254E !important;
  border: 2px solid #FF7900 !important;
  font-weight: 800 !important;
  padding: 12px 26px !important;
  border-radius: 999px !important;
  text-decoration: none !important;
  font-size: 15px !important;
  box-shadow: 0 6px 16px rgba(255,197,43,.40) !important;
  transition: background-color .15s ease, transform .12s ease, box-shadow .15s ease !important;
  white-space: nowrap !important;
  letter-spacing: .01em !important;
}
.site-header .header-actions .btn-apply:hover {
  background: #D96900 !important;
  color: #00254E !important;
  border-color: #D96900 !important;
  transform: translateY(-1px) !important;
  box-shadow: 0 10px 24px rgba(224,168,0,.45) !important;
}
@media (max-width: 860px) {
  .site-header .header-actions .btn-apply { padding: 10px 18px !important; font-size: 14px !important; }
}

/* ═════════════════════════════════════════════════════════════════════
   POLISH v18 — mobile menu drawer: swap stray green (#1b3a2d) for navy
   · Drawer body uses the brand navy gradient (same family as the
     pre-footer and site-footer), header strip stays white so the logo
     reads cleanly.
   · Apply Now hover inside the drawer lands on yellow-dark — never green.
   ═════════════════════════════════════════════════════════════════════ */
.mobile-menu {
  background: linear-gradient(180deg, #003C71 0%, #001A3D 100%) !important;
}
.mobile-nav-item > a {
  color: #FFFFFF !important;
  border-bottom: 1px solid rgba(255,255,255,.14) !important;
}
.mobile-nav-item > a:hover,
.mobile-nav-item > a[aria-current="page"] { color: #FF7900 !important; }
.mobile-btn-row .btn-apply:hover {
  background: #D96900 !important;
  color: #00254E !important;
  border-color: #D96900 !important;
}

/* ═════════════════════════════════════════════════════════════════════
   POLISH v19 — switch primary font to Inter (Brigit-style),
   bump mobile logo, breathing room for the hamburger.
   Fonts load via Google Fonts (<link> added in each HTML head).
   ═════════════════════════════════════════════════════════════════════ */
html, body,
.site-header, .cer-header,
.btn-apply, .cer-cta,
input, button, select, textarea {
  font-family:
    'Inter',
    'Poppins',
    -apple-system, BlinkMacSystemFont,
    'Segoe UI', Helvetica, Arial, sans-serif,
    'Apple Color Emoji', 'Segoe UI Emoji' !important;
  font-feature-settings: 'cv11','ss01','ss03';
  letter-spacing: -0.01em;
}
h1, h2, h3, h4, h5, h6 {
  font-family:
    'Inter',
    'Poppins',
    -apple-system, BlinkMacSystemFont,
    'Segoe UI', Helvetica, Arial, sans-serif !important;
  letter-spacing: -0.02em;
}

/* Mobile: larger brand mark + real touch-safe gap on the hamburger */
@media (max-width: 700px) {
  .site-header .logo img,
  .cer-header .cer-logo img {
    height: 68px !important;
    max-height: 68px !important;
  }
}
@media (max-width: 500px) {
  .site-header .logo img,
  .cer-header .cer-logo img {
    height: 64px !important;
    max-height: 64px !important;
  }
}

/* Hamburger: give it a 44x44 tap target and push it off the right edge */
@media (max-width: 768px) {
  .menu-toggle {
    width: 44px !important;
    height: 44px !important;
    padding: 12px 8px !important;
    margin-right: -4px; /* align the visible bars, not the tap box, to the edge */
    box-sizing: border-box !important;
  }
  .menu-toggle span {
    width: 24px !important;
    height: 2.5px !important;
    left: 50% !important;
    transform: translateX(-50%);
    background: #00254E !important;
  }
  .menu-toggle span:nth-child(1) { top: 14px !important; }
  .menu-toggle span:nth-child(2) { top: 21px !important; }
  .menu-toggle span:nth-child(3) { top: 28px !important; }
  .menu-toggle.active span:nth-child(1) { top: 21px !important; transform: translateX(-50%) rotate(45deg); }
  .menu-toggle.active span:nth-child(3) { top: 21px !important; transform: translateX(-50%) rotate(-45deg); }

  /* Widen the container a hair on phones so the hamburger has breathing
     room but text still fills the line. */
  .site-header > .header-inner.container { padding-left: 20px !important; padding-right: 20px !important; }
}
@media (max-width: 480px) {
  .site-header > .header-inner.container { padding-left: 16px !important; padding-right: 16px !important; }
}

/* ═════════════════════════════════════════════════════════════════════
   POLISH v19b — tighter section rhythm + blobs scroll with the page
   · Section padding was 140px top+bottom (280px gutter between adjacent
     sections). Reduce to a 72/80 pattern so the page reads as one
     continuous flow instead of big air pockets. Also kill the extra
     180px testimonials top-pad that stacked on top of the 140px.
   · Blob field becomes position:absolute (was fixed), so blobs scroll
     with the content the way they do on cashinflash.com instead of
     hovering against the viewport.
   ═════════════════════════════════════════════════════════════════════ */
.page-hero      { padding: 72px 0 64px !important; }
.trust-strip,
.trust-strip-v2 { padding: 40px 0 !important; }
.big-stats      { padding: 56px 0 !important; }
.features,
.use-cases,
.testimonials,
.how-it-works,
.requirements,
.service-area,
.faq            { padding: 80px 0 !important; }
.pre-footer     { padding: 88px 0 !important; }

/* Cancel the stacked testimonials top-pad override. */
.testimonials   { padding-top: 80px !important; margin-top: 0 !important; }

@media (max-width: 700px) {
  .page-hero    { padding: 56px 0 48px !important; }
  .trust-strip,
  .trust-strip-v2 { padding: 28px 0 !important; }
  .big-stats    { padding: 40px 0 !important; }
  .features,
  .use-cases,
  .testimonials,
  .how-it-works,
  .requirements,
  .service-area,
  .faq          { padding: 56px 0 !important; }
  .pre-footer   { padding: 64px 0 !important; }
  .testimonials { padding-top: 56px !important; margin-top: 0 !important; }
}

/* Scroll-with-page blob field (like cashinflash.com), instead of
   viewport-pinned. Body is already position:relative earlier in the
   file, so absolute + inset:0 + height:100% spans the full document. */
.ce-blob-field {
  position: absolute !important;
  inset: 0 !important;
  height: 100% !important;
  overflow: hidden !important;
  pointer-events: none !important;
  z-index: -1 !important;
}
.ce-blob { position: absolute !important; }

/* Kill the leftover .global-blobs-fixed / .gbf rules — those elements
   are gone from the HTML now, but the CSS used position:fixed too. */
.global-blobs-fixed, .gbf { display: none !important; }

/* Center the 3 hero check-rows horizontally (icon + text together). */
.hero-checks {
  display: flex !important;
  flex-direction: column !important;
  align-items: center !important;
  justify-content: center !important;
  gap: 10px !important;
  padding: 0 !important;
  list-style: none !important;
  margin-left: auto !important;
  margin-right: auto !important;
  width: auto !important;
}
.hero-checks li {
  display: inline-flex !important;
  align-items: center !important;
  justify-content: center !important;
  gap: 10px !important;
  text-align: left;
}

/* ═════════════════════════════════════════════════════════════════════
   POLISH v20 — simplify the mobile header: logo + Apply Now only.
   No hamburger, no slide-in drawer. Nav links still exist on desktop
   (≥769px) as before; they just disappear on phones in favor of the
   yellow Apply Now pill.
   ═════════════════════════════════════════════════════════════════════ */
@media (max-width: 768px) {
  /* Hide the hamburger + the drawer + its overlay entirely. */
  .menu-toggle,
  .mobile-menu,
  .mobile-menu-overlay { display: none !important; }

  /* Bring the Apply Now button back into the header on phones.
     (Polish v5 hid .header-actions at ≤768px so the hamburger could
     stand in for it — now we want the button directly.) */
  .site-header .header-actions {
    display: flex !important;
    align-items: center;
    gap: 12px;
  }

  /* Make the mobile Apply button compact but legible — stays as a
     pill, never wraps, stays inside the container padding. */
  .site-header .header-actions .btn-apply {
    padding: 10px 18px !important;
    font-size: 14px !important;
    white-space: nowrap !important;
    min-height: 40px;
  }
}

/* Phone-small breakpoint: shrink the CTA a touch more so the logo +
   button always fit on one row without pushing the logo in. */
@media (max-width: 420px) {
  .site-header .header-actions .btn-apply {
    padding: 9px 14px !important;
    font-size: 13px !important;
  }
  .site-header .logo img,
  .cer-header .cer-logo img {
    height: 56px !important;
    max-height: 56px !important;
  }
}

/* ═════════════════════════════════════════════════════════════════════
   POLISH v21 — larger mobile brand mark (logo only; CTA untouched).
   Uses max-width: calc(100vw - Xpx) as a safety so the logo can grow
   as tall as there is room, but never crashes into the Apply Now pill.
   ═════════════════════════════════════════════════════════════════════ */
@media (max-width: 768px) {
  .site-header .logo img,
  .cer-header .cer-logo img {
    height: 92px !important;
    max-height: 92px !important;
    width: auto !important;
    max-width: calc(100vw - 180px) !important;
    object-fit: contain !important;
  }
  .site-header .header-inner { min-height: 104px !important; }
}
@media (max-width: 500px) {
  .site-header .logo img,
  .cer-header .cer-logo img {
    height: 84px !important;
    max-height: 84px !important;
    max-width: calc(100vw - 150px) !important;
  }
  .site-header .header-inner { min-height: 96px !important; }
}
@media (max-width: 420px) {
  .site-header .logo img,
  .cer-header .cer-logo img {
    height: 76px !important;
    max-height: 76px !important;
    max-width: calc(100vw - 135px) !important;
  }
  .site-header .header-inner { min-height: 88px !important; }
}

/* ═════════════════════════════════════════════════════════════════════
   POLISH v22 — no underline swoosh, no highlight bar, but keep the
   accent word itself in brand yellow so key phrases pop against the
   navy heading text (e.g. "Payday Loans in <Anaheim, CA>").
   ═════════════════════════════════════════════════════════════════════ */
.underline-accent,
.page-hero .hero-content h1 span.underline-accent,
.features.features-navy .section-heading .underline-accent {
  background: none !important;
  background-image: none !important;
  color: #FF7900 !important;
  padding: 0 !important;
}
.underline-accent::after,
.underline-accent::before {
  content: none !important;
  display: none !important;
  background: none !important;
  -webkit-mask: none !important;
          mask: none !important;
}

/* ═════════════════════════════════════════════════════════════════════
   POLISH v23 — center the hero CTA and stack the "Questions? Get in
   touch." link beneath the Apply Now pill.
   ═════════════════════════════════════════════════════════════════════ */
.hero-cta {
  display: flex !important;
  flex-direction: column !important;
  align-items: center !important;
  justify-content: center !important;
  gap: 16px !important;
  margin-left: auto !important;
  margin-right: auto !important;
  width: fit-content;
}
.hero-cta .btn-apply,
.hero-cta .btn-apply.btn-lg {
  align-self: center !important;
}
.hero-cta .hero-link {
  margin-left: 0 !important;
  margin-right: 0 !important;
  text-align: center !important;
  align-self: center !important;
}

/* ═════════════════════════════════════════════════════════════════════
   POLISH v24 — spacing audit: tighter, even rhythm between every
   section. Previous v19b was still too airy — v24 brings it down
   another step so content flows without big gaps between blocks.

   Desktop: each content section = 56px top + 56px bottom (112px
            between any two sections).
   Mobile : each content section = 40px top + 40px bottom (80px gap).

   Also: hero-grid gap trimmed, section-heading bottom margin checked,
   calculator no longer leaves excess air above the next section.
   ═════════════════════════════════════════════════════════════════════ */
.page-hero      { padding: 56px 0 40px !important; }
.trust-strip,
.trust-strip-v2 { padding: 32px 0 !important; }
.big-stats      { padding: 44px 0 !important; }
.features,
.use-cases,
.testimonials,
.how-it-works,
.requirements,
.service-area,
.faq            { padding: 56px 0 !important; }
.pre-footer     { padding: 72px 0 !important; }
.testimonials   { padding-top: 56px !important; margin-top: 0 !important; }

/* Hero-grid: less air between the copy column and the calculator */
.page-hero .hero-grid { gap: 40px !important; }

/* Trim any leftover oversized bottom margins that compound section gaps */
.hero-cta      { margin-bottom: 8px !important; }
.hero-checks   { margin: 16px auto 22px !important; }
.loan-calc     { margin-bottom: 0 !important; }
.section-heading { margin-bottom: 20px !important; }
.features-cta, .use-cases-cta, .education-cta { margin-top: 28px !important; }

@media (max-width: 700px) {
  .page-hero    { padding: 40px 0 28px !important; }
  .trust-strip,
  .trust-strip-v2 { padding: 22px 0 !important; }
  .big-stats    { padding: 30px 0 !important; }
  .features,
  .use-cases,
  .testimonials,
  .how-it-works,
  .requirements,
  .service-area,
  .faq          { padding: 40px 0 !important; }
  .pre-footer   { padding: 52px 0 !important; }
  .testimonials { padding-top: 40px !important; margin-top: 0 !important; }
  .page-hero .hero-grid { gap: 28px !important; }
  .section-heading { margin-bottom: 16px !important; }
}

/* ═════════════════════════════════════════════════════════════════════
   POLISH v25 — kill the big visual gap under the calculator on mobile.
   Root cause: .features-grid gap:88px (overrode every mobile rule),
   plus the decorative 344-px-tall phone SVG inside .features-image-v2
   stacked above the heading. Both amount to ~400px of empty-feeling
   space on a phone.
   · .features-grid gap globally dropped 88 → 48 desktop.
   · On ≤700px the phone illustration and similar decorative SVGs
     are hidden (aria-hidden="true" already, so no content loss).
   · Mobile grid gaps tightened everywhere.
   ═════════════════════════════════════════════════════════════════════ */
@media (max-width: 700px) {
  /* Hide purely decorative phone / screenshot illustrations — they
     were eating ~300px on mobile each and added nothing the heading
     and copy don't already convey. */
  .features-image,
  .features-image-v2,
  .features-image-wrap,
  .features-composite { display: none !important; }

  /* Tighten mobile grid gaps so stacked sections sit closer */
  .features-grid,
  .hero-grid,
  .how-it-works-grid,
  .faq-grid,
  .use-cases-grid,
  .contact-grid { gap: 24px !important; }

  /* Any lingering space under the hero content before the next
     section (belt-and-braces) */
  .page-hero { padding-bottom: 16px !important; }
  .features  { padding-top: 24px !important; }
}

/* ═════════════════════════════════════════════════════════════════════
   POLISH v26 — center the numbered legal disclosures at the very
   bottom of the footer (†, 1., 2., 3., the credit-decision note,
   and the copyright line).
   ═════════════════════════════════════════════════════════════════════ */
.site-footer .footer-legal,
.site-footer .footer-legal p {
  text-align: center !important;
}
.site-footer .footer-legal {
  max-width: 900px;
  margin-left: auto !important;
  margin-right: auto !important;
}

/* ═════════════════════════════════════════════════════════════════════
   POLISH v27 — fix the "How To Get a Payday Loan" step cards on
   mobile. The desktop grid (56px circle | copy) was being forced on
   phones too (display:grid !important overrode the mobile
   flex-direction:column rule), so the numbered circle sat in its
   own narrow column while the centered title + paragraph floated
   beside it — looked broken in the screenshot.

   On ≤700px: stack number circle on top, then centered title, then
   centered paragraph. Clean vertical rhythm, no orphan circle.
   ═════════════════════════════════════════════════════════════════════ */
@media (max-width: 700px) {
  .step-card {
    display: flex !important;
    flex-direction: column !important;
    align-items: center !important;
    justify-content: center !important;
    text-align: center !important;
    gap: 14px !important;
    padding: 24px 20px !important;
    grid-template-columns: none !important;
  }
  .step-card > .step-num {
    margin: 0 auto !important;
  }
  .step-card > div:not(.step-num) {
    text-align: center !important;
    width: 100%;
  }
  .step-card .step-label {
    text-align: center !important;
    justify-content: center !important;
    width: 100%;
  }
  .step-card p {
    text-align: center !important;
    margin: 0 !important;
  }
}

/* ═════════════════════════════════════════════════════════════════════
   POLISH v28 — un-bleed mobile-centric rules on desktop.
   Earlier .hero-checks centering + polish v23 .hero-cta centering
   were applied WITHOUT a @media guard, so they made the hero on
   desktop look like a mobile layout (narrow centered CTA column,
   centered check rows). Restore the original left-aligned row
   layout for ≥769px — mobile keeps the stacked + centered look.
   ═════════════════════════════════════════════════════════════════════ */
@media (min-width: 769px) {
  /* Hero check rows: column list but items left-aligned, not centered */
  .hero-checks {
    align-items: flex-start !important;
    justify-content: flex-start !important;
    margin-left: 0 !important;
    margin-right: 0 !important;
    width: auto !important;
  }
  .hero-checks li {
    justify-content: flex-start !important;
    text-align: left !important;
  }

  /* Hero CTA: back to a horizontal row — Apply Now + "Questions?" link
     side by side, left-aligned inside the hero-content column. */
  .hero-cta {
    flex-direction: row !important;
    align-items: center !important;
    justify-content: flex-start !important;
    gap: 20px !important;
    margin-left: 0 !important;
    margin-right: 0 !important;
    width: auto !important;
  }
  .hero-cta .btn-apply,
  .hero-cta .btn-apply.btn-lg { align-self: auto !important; }
  .hero-cta .hero-link {
    text-align: left !important;
    align-self: center !important;
  }

  /* Hero content column should read left-aligned on desktop, not
     center-aligned (mobile-only text-align:center is set earlier at
     max-width:768 so this is belt-and-braces). */
  .page-hero .hero-content,
  .page-hero .hero-content h1,
  .page-hero .hero-content .hero-subtitle {
    text-align: left !important;
  }
  .page-hero .hero-content .hero-subtitle {
    margin-left: 0 !important;
    margin-right: 0 !important;
  }

  /* Section rhythm on desktop was 56/56 (polish v24) — a touch tight
     for the wide viewport. Bump to 80/80 so sections breathe without
     reopening the old 140-px gaps. Mobile (≤700) stays at 40/40. */
  .page-hero      { padding: 72px 0 48px !important; }
  .features,
  .use-cases,
  .testimonials,
  .how-it-works,
  .requirements,
  .service-area,
  .faq            { padding: 80px 0 !important; }
  .pre-footer     { padding: 96px 0 !important; }
  .testimonials   { padding-top: 80px !important; }
}


/* ═════════════════════════════════════════════════════════════════════
   LOGO SIZING v15 — match CER's rendered pixel width
   Cash Rocket logo is 4:1; CER is 3.56:1. At the same CSS height the
   CRA logo renders ~12% wider. Heights reduced by 3.56/4.00 = 0.89 so
   the logo takes up the same horizontal space as CER's live logo.
   ═════════════════════════════════════════════════════════════════════ */
.site-header .logo img {
  height: 64px !important;
  max-height: 64px !important;
  min-height: 40px !important;
}
.mobile-menu-logo img,
.mobile-menu-header img {
  height: 48px !important;
  max-height: 48px !important;
}
.footer-bottom-left img,
.pre-footer img {
  height: 56px !important;
  max-height: 56px !important;
}

@media (max-width: 768px) {
  .site-header .logo img,
  .cer-header .cer-logo img {
    height: 80px !important;
    max-height: 80px !important;
  }
}
@media (max-width: 500px) {
  .site-header .logo img,
  .cer-header .cer-logo img {
    height: 72px !important;
    max-height: 72px !important;
  }
}
@media (max-width: 480px) {
  .mobile-menu-logo img { height: 40px !important; max-height: 40px !important; }
  .footer-bottom-left img, .pre-footer img { height: 46px !important; max-height: 46px !important; }
}
@media (max-width: 420px) {
  .site-header .logo img,
  .cer-header .cer-logo img {
    height: 64px !important;
    max-height: 64px !important;
  }
}


/* ═════════════════════════════════════════════════════════════════════
   FOOTER LOGO — white tint for contrast against dark footer background.
   Cash Rocket Anaheim logo uses navy text which clashed; filter inverts
   everything that is dark to white. Leaves the orange accent alone.
   ═════════════════════════════════════════════════════════════════════ */
.footer-bottom-left img,
.site-footer .footer-bottom-left img {
  filter: brightness(0) invert(1) !important;
}