/* =============================================
   LOAN WORTH - Main Stylesheet
   Brand: Blue #1565C0 | Black #1a1a1a
   ============================================= */

/* ---------- CSS Variables ---------- */
:root {
  --blue:        #1565C0;
  --blue-light:  #1976D2;
  --blue-dark:   #0D47A1;
  --blue-bg:     #E3F0FF;
  --black:       #1a1a1a;
  --dark:        #2c2c2c;
  --grey:        #555555;
  --light-grey:  #f5f7fa;
  --border:      #e0e6ef;
  --white:       #ffffff;
  --shadow-sm:   0 2px 8px rgba(21,101,192,0.10);
  --shadow-md:   0 6px 24px rgba(21,101,192,0.14);
  --shadow-lg:   0 12px 40px rgba(21,101,192,0.18);
  --radius:      10px;
  --radius-lg:   18px;
  --transition:  0.25s ease;
}

/* ---------- Reset & Base ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

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

body {
  font-family: 'Inter', 'Segoe UI', Arial, sans-serif;
  color: var(--black);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a  { text-decoration: none; color: inherit; }
ul { list-style: none; }

h1, h2, h3, h4 {
  font-family: 'Playfair Display', Georgia, serif;
  line-height: 1.25;
  color: var(--black);
}

h1 { font-size: clamp(2rem, 5vw, 3.4rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.6rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.5rem); }
h4 { font-size: 1.1rem; }

p { color: var(--grey); margin-bottom: 0.75rem; }
p:last-child { margin-bottom: 0; }

/* ---------- Utility ---------- */
.container { max-width: 1180px; margin: 0 auto; padding: 0 24px; }
.section    { padding: 88px 0; }
.section-sm { padding: 56px 0; }
.text-center { text-align: center; }
.text-white  { color: var(--white) !important; }
.text-blue   { color: var(--blue) !important; }

.section-label {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--blue);
  background: var(--blue-bg);
  padding: 6px 14px;
  border-radius: 30px;
  margin-bottom: 14px;
}

.section-heading { margin-bottom: 16px; }
.section-sub    { font-size: 1.05rem; color: var(--grey); max-width: 600px; margin: 0 auto 48px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 30px;
  border-radius: var(--radius);
  font-size: 0.95rem;
  font-weight: 700;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all var(--transition);
  white-space: nowrap;
  font-family: 'Inter', 'Segoe UI', Arial, sans-serif;
}
.btn-primary {
  background: var(--blue);
  color: var(--white);
  border-color: var(--blue);
}
.btn-primary:hover { background: var(--blue-dark); border-color: var(--blue-dark); transform: translateY(-2px); box-shadow: var(--shadow-md); }

.btn-secondary {
  background: transparent;
  color: var(--white);
  border-color: var(--white);
}
.btn-secondary:hover { background: var(--white); color: var(--blue); transform: translateY(-2px); }

.btn-outline {
  background: transparent;
  color: var(--blue);
  border-color: var(--blue);
}
.btn-outline:hover { background: var(--blue); color: var(--white); transform: translateY(-2px); }

.btn-dark {
  background: var(--black);
  color: var(--white);
  border-color: var(--black);
}
.btn-dark:hover { background: var(--dark); transform: translateY(-2px); box-shadow: var(--shadow-md); }

.btn-lg { padding: 17px 38px; font-size: 1.05rem; }
.btn-sm { padding: 10px 22px; font-size: 0.88rem; }

/* ---------- Navigation ---------- */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border);
  transition: box-shadow var(--transition);
}
.navbar.scrolled { box-shadow: var(--shadow-sm); }

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--black);
  font-family: 'Playfair Display', Georgia, serif;
}
.nav-logo img { height: 48px; width: auto; }

.nav-links {
  display: flex;
  align-items: center;
  gap: 8px;
}
.nav-links a {
  padding: 8px 14px;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--dark);
  border-radius: 6px;
  transition: all var(--transition);
}
.nav-links a:hover { color: var(--blue); background: var(--blue-bg); }
.nav-links a.active { color: var(--blue); }

.nav-cta { margin-left: 8px; }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 6px;
  border: none;
  background: none;
}
.hamburger span { display: block; width: 24px; height: 2px; background: var(--black); border-radius: 2px; transition: all 0.3s; }
.hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* ---------- Mobile Nav ---------- */
.mobile-nav {
  display: none;
  flex-direction: column;
  background: var(--white);
  border-top: 1px solid var(--border);
  padding: 16px 24px 24px;
  gap: 4px;
}
.mobile-nav.open { display: flex; }
.mobile-nav a { padding: 12px 0; font-size: 1rem; font-weight: 500; border-bottom: 1px solid var(--border); color: var(--dark); }
.mobile-nav a:last-child { border-bottom: none; }
.mobile-nav .btn { margin-top: 12px; text-align: center; justify-content: center; }

/* ---------- Hero ---------- */
.hero {
  padding-top: 144px;
  padding-bottom: 100px;
  background: linear-gradient(135deg, #0D47A1 0%, #1565C0 50%, #1976D2 100%);
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -100px; right: -200px;
  width: 600px; height: 600px;
  background: rgba(255,255,255,0.05);
  border-radius: 50%;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -150px; left: -100px;
  width: 500px; height: 500px;
  background: rgba(255,255,255,0.04);
  border-radius: 50%;
}

.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  gap: 60px;
  position: relative;
  z-index: 1;
}
.hero-content h1 { color: var(--white); margin-bottom: 20px; }
.hero-content p  { color: rgba(255,255,255,0.85); font-size: 1.1rem; margin-bottom: 36px; }
.hero-btns { display: flex; gap: 14px; flex-wrap: wrap; }

.hero-card {
  background: rgba(255,255,255,0.12);
  backdrop-filter: blur(16px);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  color: white;
}
.hero-card h3 { color: white; margin-bottom: 20px; font-size: 1.2rem; }
.hero-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.stat-item { text-align: center; }
.stat-number { font-size: 2.2rem; font-weight: 800; color: white; font-family: 'Playfair Display', serif; line-height: 1; }
.stat-label  { font-size: 0.8rem; color: rgba(255,255,255,0.75); margin-top: 4px; }
.hero-mini-cta {
  margin-top: 24px;
  background: var(--white);
  color: var(--blue);
  border: none;
  width: 100%;
  text-align: center;
  justify-content: center;
  padding: 14px;
  border-radius: var(--radius);
  font-weight: 700;
  cursor: pointer;
  transition: all var(--transition);
  font-size: 0.95rem;
  display: flex;
  align-items: center;
  gap: 8px;
}
.hero-mini-cta:hover { background: #f0f0f0; transform: translateY(-2px); }

/* ---------- Trust Bar ---------- */
.trust-bar {
  background: var(--black);
  padding: 20px 0;
}
.trust-inner {
  display: flex;
  align-items: center;
  justify-content: space-around;
  flex-wrap: wrap;
  gap: 20px;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  color: rgba(255,255,255,0.9);
  font-size: 0.9rem;
  font-weight: 500;
}
.trust-icon { font-size: 1.4rem; }

/* ---------- Services ---------- */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.service-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  transition: all var(--transition);
  cursor: pointer;
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: var(--blue);
  transform: scaleX(0);
  transition: transform var(--transition);
  transform-origin: left;
}
.service-card:hover { border-color: var(--blue); box-shadow: var(--shadow-md); transform: translateY(-4px); }
.service-card:hover::before { transform: scaleX(1); }
.service-icon {
  width: 56px; height: 56px;
  background: var(--blue-bg);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.8rem;
  margin-bottom: 20px;
}
.service-card h3 { margin-bottom: 10px; }
.service-card p  { font-size: 0.92rem; }
.service-link { display: inline-flex; align-items: center; gap: 6px; color: var(--blue); font-weight: 600; font-size: 0.9rem; margin-top: 16px; transition: gap var(--transition); }
.service-link:hover { gap: 10px; }

/* ---------- Why Choose Us ---------- */
.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}
.why-content { }
.why-list { display: flex; flex-direction: column; gap: 20px; margin-top: 32px; }
.why-item { display: flex; align-items: flex-start; gap: 16px; }
.why-icon {
  width: 44px; height: 44px;
  background: var(--blue);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-size: 1.2rem;
  flex-shrink: 0;
}
.why-text h4 { margin-bottom: 4px; }
.why-text p  { font-size: 0.9rem; margin: 0; }

.why-visual {
  background: linear-gradient(135deg, var(--blue) 0%, var(--blue-dark) 100%);
  border-radius: var(--radius-lg);
  padding: 40px;
  color: white;
  text-align: center;
}
.why-visual h3 { color: white; margin-bottom: 8px; font-size: 1.8rem; }
.why-visual p { color: rgba(255,255,255,0.8); margin-bottom: 28px; }
.lender-logos { display: flex; flex-wrap: wrap; gap: 8px; justify-content: center; margin-bottom: 28px; }
.lender-chip {
  background: rgba(255,255,255,0.15);
  border: 1px solid rgba(255,255,255,0.25);
  border-radius: 20px;
  padding: 6px 14px;
  font-size: 0.82rem;
  color: white;
}

/* ---------- How It Works ---------- */
.steps-bg { background: var(--light-grey); }
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  position: relative;
}
.steps-grid::before {
  content: '';
  position: absolute;
  top: 36px; left: 16.6%; right: 16.6%;
  height: 2px;
  background: var(--border);
  z-index: 0;
}
.step-card { text-align: center; position: relative; z-index: 1; }
.step-number {
  width: 72px; height: 72px;
  background: var(--blue);
  color: white;
  font-size: 1.5rem;
  font-weight: 800;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  box-shadow: 0 4px 16px rgba(21,101,192,0.3);
  font-family: 'Playfair Display', serif;
}
.step-card h3 { margin-bottom: 10px; }
.step-card p  { font-size: 0.92rem; }

/* ---------- Testimonials ---------- */
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.testimonial-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
}
.stars { color: #F5A623; font-size: 1.1rem; margin-bottom: 14px; }
.testimonial-card p { font-style: italic; font-size: 0.93rem; margin-bottom: 20px; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.author-avatar {
  width: 44px; height: 44px;
  background: var(--blue-bg);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
}
.author-name { font-weight: 700; font-size: 0.92rem; color: var(--black); }
.author-loc  { font-size: 0.8rem; color: var(--grey); }

/* ---------- CTA Banner ---------- */
.cta-banner {
  background: linear-gradient(135deg, #0D47A1 0%, #1565C0 100%);
  padding: 80px 0;
}
.cta-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
  flex-wrap: wrap;
}
.cta-text h2 { color: white; margin-bottom: 10px; }
.cta-text p  { color: rgba(255,255,255,0.8); margin: 0; font-size: 1.05rem; }
.cta-btns { display: flex; gap: 14px; flex-wrap: wrap; }

/* ---------- Footer ---------- */
.footer {
  background: var(--black);
  color: rgba(255,255,255,0.75);
  padding: 60px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-brand p { font-size: 0.9rem; margin: 16px 0 20px; max-width: 280px; }
.footer-logo { height: 52px; width: auto; background: white; border-radius: 8px; padding: 5px 10px; display: block; }
.social-links { display: flex; gap: 10px; }
.social-link {
  width: 36px; height: 36px;
  background: rgba(255,255,255,0.1);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  transition: background var(--transition);
}
.social-link:hover { background: var(--blue); }

.footer-col h4 { color: white; font-size: 0.95rem; font-family: 'Inter', sans-serif; margin-bottom: 16px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; }
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col ul li a { font-size: 0.9rem; transition: color var(--transition); }
.footer-col ul li a:hover { color: var(--white); }
.footer-contact li { display: flex; align-items: flex-start; gap: 8px; font-size: 0.9rem; margin-bottom: 10px; }
.footer-contact li span { font-size: 1rem; flex-shrink: 0; }

.footer-bottom {
  padding: 20px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 0.82rem;
}
.footer-bottom a { transition: color var(--transition); }
.footer-bottom a:hover { color: white; }
.disclaimer { font-size: 0.78rem; color: rgba(255,255,255,0.45); padding-bottom: 20px; border-top: 1px solid rgba(255,255,255,0.05); padding-top: 16px; margin-top: 8px; }

/* ---------- Page Hero (inner pages) ---------- */
.page-hero {
  padding: 140px 0 70px;
  background: linear-gradient(135deg, #0D47A1 0%, #1565C0 100%);
  text-align: center;
  color: white;
}
.page-hero h1 { color: white; margin-bottom: 16px; }
.page-hero p  { color: rgba(255,255,255,0.8); font-size: 1.1rem; max-width: 560px; margin: 0 auto; }
.breadcrumb {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.65);
  margin-bottom: 16px;
}
.breadcrumb a { color: rgba(255,255,255,0.65); }
.breadcrumb a:hover { color: white; }

/* ---------- Team Page ---------- */
.team-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.team-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all var(--transition);
  text-align: center;
}
.team-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.team-photo {
  height: 180px;
  background: linear-gradient(135deg, var(--blue-bg), var(--border));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 4rem;
  position: relative;
}
.team-photo img { width: auto; height: 100%; object-fit: contain; display: block; margin: 0 auto; }
.team-info { padding: 24px 20px 28px; }
.team-info h3 { margin-bottom: 4px; }
.team-role { color: var(--blue); font-weight: 600; font-size: 0.88rem; margin-bottom: 12px; }
.team-info p  { font-size: 0.88rem; margin-bottom: 16px; }
.team-quals { display: flex; flex-wrap: wrap; gap: 6px; justify-content: center; }
.qual-chip {
  background: var(--blue-bg);
  color: var(--blue);
  font-size: 0.75rem;
  padding: 4px 10px;
  border-radius: 20px;
  font-weight: 600;
}

/* ---------- FAQ / Blog ---------- */
.faq-layout {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 48px;
  align-items: start;
}
.faq-article { margin-bottom: 48px; border-bottom: 1px solid var(--border); padding-bottom: 48px; }
.faq-article:last-child { border-bottom: none; margin-bottom: 0; }
.article-meta { display: flex; align-items: center; gap: 12px; margin-bottom: 14px; }
.article-cat { background: var(--blue-bg); color: var(--blue); font-size: 0.78rem; font-weight: 700; padding: 4px 10px; border-radius: 20px; }
.article-date { font-size: 0.82rem; color: var(--grey); }
.faq-article h2 { font-size: 1.5rem; margin-bottom: 14px; }
.faq-article p  { font-size: 0.95rem; }

.accordion-item { border: 1px solid var(--border); border-radius: var(--radius); margin-bottom: 12px; overflow: hidden; }
.accordion-btn {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 22px;
  background: var(--white);
  border: none;
  cursor: pointer;
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--black);
  text-align: left;
  transition: background var(--transition);
  font-family: 'Inter', 'Segoe UI', Arial, sans-serif;
}
.accordion-btn:hover { background: var(--light-grey); }
.accordion-btn.active { background: var(--blue-bg); color: var(--blue); }
.accordion-icon { font-size: 1.2rem; transition: transform var(--transition); flex-shrink: 0; }
.accordion-btn.active .accordion-icon { transform: rotate(45deg); }
.accordion-body { display: none; padding: 0 22px 18px; font-size: 0.92rem; color: var(--grey); line-height: 1.7; }
.accordion-body.open { display: block; }

.sidebar-widget {
  background: var(--light-grey);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  margin-bottom: 24px;
}
.sidebar-widget h4 { margin-bottom: 16px; font-family: 'Inter', sans-serif; font-size: 1rem; }
.sidebar-widget ul { display: flex; flex-direction: column; gap: 10px; }
.sidebar-widget ul li a { font-size: 0.9rem; color: var(--grey); display: flex; align-items: center; gap: 8px; transition: color var(--transition); }
.sidebar-widget ul li a:hover { color: var(--blue); }

/* ---------- Contact Page ---------- */
.contact-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: start;
}
.contact-info-cards { display: flex; flex-direction: column; gap: 18px; margin-top: 32px; }
.contact-card {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  background: var(--light-grey);
  border-radius: var(--radius);
  padding: 20px;
}
.contact-card-icon { font-size: 1.6rem; flex-shrink: 0; }
.contact-card h4 { margin-bottom: 4px; font-family: 'Inter', sans-serif; }
.contact-card p  { font-size: 0.9rem; margin: 0; }

.contact-form { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 36px; }
.form-group { margin-bottom: 20px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
label { display: block; font-size: 0.88rem; font-weight: 600; color: var(--black); margin-bottom: 8px; }
input, select, textarea {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-size: 0.93rem;
  color: var(--black);
  background: var(--white);
  font-family: 'Inter', 'Segoe UI', Arial, sans-serif;
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
}
input:focus, select:focus, textarea:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(21,101,192,0.1);
}
textarea { resize: vertical; min-height: 120px; }
.form-error { font-size: 0.8rem; color: #d32f2f; margin-top: 5px; display: none; }
.form-success {
  background: #E8F5E9;
  color: #2E7D32;
  border: 1px solid #A5D6A7;
  border-radius: var(--radius);
  padding: 14px 18px;
  font-size: 0.93rem;
  display: none;
  margin-top: 16px;
}

/* ---------- Apply / Funnel ---------- */
.funnel-wrapper {
  min-height: calc(100vh - 72px);
  padding-top: 72px;
  background: linear-gradient(160deg, #E3F0FF 0%, var(--white) 60%);
  display: flex;
  align-items: flex-start;
  justify-content: center;
  padding-bottom: 60px;
}
.funnel-container {
  max-width: 680px;
  width: 100%;
  padding: 48px 24px 24px;
}

.funnel-header { text-align: center; margin-bottom: 40px; }
.funnel-header .section-label { margin-bottom: 10px; }
.funnel-header h1 { font-size: clamp(1.6rem, 3vw, 2.4rem); margin-bottom: 10px; }
.funnel-header p  { font-size: 1rem; }

.progress-bar-wrap { margin-bottom: 32px; }
.progress-labels { display: flex; justify-content: space-between; margin-bottom: 8px; }
.progress-label { font-size: 0.78rem; font-weight: 600; color: var(--grey); }
.progress-label.active { color: var(--blue); }
.progress-track { height: 6px; background: var(--border); border-radius: 3px; }
.progress-fill { height: 100%; background: var(--blue); border-radius: 3px; transition: width 0.4s ease; }

.funnel-step {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-sm);
  display: none;
}
.funnel-step.active { display: block; }
.funnel-step h2 { font-size: 1.4rem; margin-bottom: 6px; }
.funnel-step .step-sub { margin-bottom: 28px; font-size: 0.92rem; }

.funnel-nav { display: flex; justify-content: space-between; align-items: center; margin-top: 28px; }
.funnel-nav .btn-back {
  background: none;
  border: 1.5px solid var(--border);
  color: var(--grey);
  padding: 12px 22px;
  border-radius: var(--radius);
  cursor: pointer;
  font-size: 0.9rem;
  font-weight: 600;
  transition: all var(--transition);
  font-family: 'Inter', sans-serif;
}
.funnel-nav .btn-back:hover { border-color: var(--grey); color: var(--black); }

/* Liabilities cards */
.liability-cards { display: flex; flex-direction: column; gap: 14px; margin-bottom: 14px; }
.liability-card {
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 18px;
  position: relative;
}
.liability-card-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 14px;
}
.liability-card-header h4 { font-size: 0.92rem; color: var(--blue); font-family: 'Inter', sans-serif; }
.remove-btn {
  background: #FFEBEE;
  border: none;
  color: #C62828;
  border-radius: 6px;
  padding: 4px 10px;
  font-size: 0.8rem;
  cursor: pointer;
  font-weight: 600;
  font-family: 'Inter', sans-serif;
}
.add-btn {
  width: 100%;
  padding: 12px;
  border: 2px dashed var(--border);
  background: var(--light-grey);
  border-radius: var(--radius);
  color: var(--blue);
  font-weight: 600;
  cursor: pointer;
  font-size: 0.9rem;
  transition: all var(--transition);
  font-family: 'Inter', sans-serif;
}
.add-btn:hover { border-color: var(--blue); background: var(--blue-bg); }

/* Employment radio cards */
.employment-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin-bottom: 20px; }
.emp-option { display: none; }
.emp-label {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  padding: 14px 10px;
  border: 2px solid var(--border);
  border-radius: var(--radius);
  cursor: pointer;
  text-align: center;
  transition: all var(--transition);
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--grey);
}
.emp-label span { font-size: 1.6rem; }
.emp-option:checked + .emp-label {
  border-color: var(--blue);
  background: var(--blue-bg);
  color: var(--blue);
}

/* Results Page */
.results-wrapper {
  min-height: calc(100vh - 72px);
  padding-top: 72px;
  background: var(--light-grey);
  display: flex;
  align-items: flex-start;
  justify-content: center;
  padding-bottom: 60px;
}
.results-container {
  max-width: 720px;
  width: 100%;
  padding: 48px 24px 24px;
}
.results-hero-card {
  background: linear-gradient(135deg, var(--blue-dark), var(--blue));
  border-radius: var(--radius-lg);
  padding: 40px;
  text-align: center;
  color: white;
  margin-bottom: 24px;
}
.results-hero-card h2 { color: white; font-size: 1.3rem; margin-bottom: 8px; }
.borrow-amount {
  font-size: clamp(2.4rem, 6vw, 4rem);
  font-weight: 900;
  color: white;
  line-height: 1.1;
  margin: 16px 0;
  font-family: 'Playfair Display', serif;
}
.results-hero-card p { color: rgba(255,255,255,0.8); font-size: 0.9rem; margin-bottom: 24px; }
.results-detail-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  margin-bottom: 18px;
}
.results-detail-card h3 { font-size: 1.1rem; margin-bottom: 16px; }
.detail-row { display: flex; justify-content: space-between; align-items: center; padding: 12px 0; border-bottom: 1px solid var(--border); font-size: 0.92rem; }
.detail-row:last-child { border-bottom: none; }
.detail-label { color: var(--grey); }
.detail-value { font-weight: 700; color: var(--black); }
.detail-value.positive { color: #2E7D32; }
.detail-value.negative { color: #C62828; }

.disclaimer-box {
  background: #FFF8E1;
  border: 1px solid #FFE082;
  border-radius: var(--radius);
  padding: 14px 18px;
  font-size: 0.82rem;
  color: #5D4037;
  margin-bottom: 18px;
}
.next-steps-card {
  background: var(--blue-bg);
  border: 1px solid rgba(21,101,192,0.15);
  border-radius: var(--radius-lg);
  padding: 28px;
  text-align: center;
}
.next-steps-card h3 { margin-bottom: 8px; color: var(--blue); }
.next-steps-card p  { font-size: 0.92rem; margin-bottom: 20px; }
.next-steps-btns { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }

/* Loading spinner */
.spinner-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(255,255,255,0.8);
  z-index: 9999;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 16px;
}
.spinner-overlay.active { display: flex; }
.spinner {
  width: 48px; height: 48px;
  border: 4px solid var(--border);
  border-top-color: var(--blue);
  border-radius: 50%;
  animation: spin 0.8s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* ---------- Sticky CTA strip ---------- */
.sticky-cta {
  position: fixed;
  bottom: 0; left: 0; right: 0;
  background: var(--black);
  display: none;
  align-items: center;
  justify-content: space-between;
  padding: 12px 24px;
  z-index: 900;
  gap: 12px;
}
.sticky-cta.visible { display: flex; }
.sticky-cta p { color: white; font-size: 0.9rem; margin: 0; }
.sticky-cta .btn-sm { flex-shrink: 0; }

/* ---------- Google Fonts Import ---------- */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800&family=Playfair+Display:wght@700;800&display=swap');

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid   { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 900px) {
  .hero-inner   { grid-template-columns: 1fr; }
  .hero-card    { max-width: 480px; }
  .why-grid     { grid-template-columns: 1fr; }
  .steps-grid::before { display: none; }
  .team-grid    { grid-template-columns: repeat(2, 1fr); }
  .faq-layout   { grid-template-columns: 1fr; }
  .contact-layout { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  .section { padding: 64px 0; }
  .nav-links, .nav-cta { display: none; }
  .hamburger { display: flex; }
  .hero { padding-top: 120px; padding-bottom: 64px; }
  .services-grid { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr; gap: 24px; }
  .team-grid  { grid-template-columns: 1fr; }
  .employment-grid { grid-template-columns: repeat(2, 1fr); }
  .form-row   { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .cta-inner  { flex-direction: column; text-align: center; }
  .trust-inner { flex-direction: column; gap: 14px; }
  .hero-btns  { flex-direction: column; }
  .funnel-step { padding: 24px 20px; }
  .results-hero-card { padding: 28px 20px; }
  .sticky-cta p { display: none; }
}