/* ==========================================================================
   Lenders Loans -- Production Design System
   Color palette derived from logo: Blue #275FAC, Green #7AB929
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800&family=Plus+Jakarta+Sans:wght@500;700;800&display=swap');

/* ── Design Tokens ─────────────────────────────────────── */
:root {
    /* Blue palette */
    --blue-900: #0D2E5C;
    --blue-800: #1B4A8A;
    --blue-700: #275FAC;
    --blue-600: #3B74C1;
    --blue-500: #5A8FD4;
    --blue-100: #D6E4F7;
    --blue-50:  #EBF2FC;

    /* Green palette */
    --green-800: #4A7A10;
    --green-700: #5E9A1A;
    --green-600: #7AB929;
    --green-500: #8FD43B;
    --green-100: #DFF0C5;
    --green-50:  #F0F9E4;

    /* Neutrals */
    --ink:      #1A1F2B;
    --ink-soft: #3D4556;
    --muted:    #6B7385;
    --border:   #E2E6EE;
    --bg:       #F7F8FB;
    --surface:  #FFFFFF;

    /* Semantic */
    --star:    #F59E0B;
    --success: #10B981;

    /* Gradients */
    --gradient-hero:  linear-gradient(160deg, var(--blue-900) 0%, var(--blue-800) 35%, var(--blue-700) 70%, var(--blue-600) 100%);
    --gradient-green: linear-gradient(150deg, var(--green-600), var(--green-500));
    --gradient-cta:   linear-gradient(160deg, var(--blue-800) 0%, var(--blue-700) 50%, var(--blue-600) 100%);

    /* Effects */
    --shadow-sm: 0 1px 3px rgba(0,0,0,0.06);
    --shadow:    0 4px 24px rgba(0,0,0,0.08);
    --shadow-lg: 0 12px 48px rgba(0,0,0,0.12);
    --shadow-glow: 0 4px 20px rgba(39,95,172,0.2);
    --shadow-green-glow: 0 4px 16px rgba(122,185,41,0.3);

    /* Layout */
    --radius:    14px;
    --radius-sm: 10px;
    --radius-lg: 20px;
    --radius-xl: 28px;

    /* Motion */
    --transition:      200ms ease;
    --transition-slow: 400ms ease;
}

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

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

body {
    margin: 0;
    padding: 0;
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    font-size: 16px;
    line-height: 1.6;
    color: var(--ink);
    background: var(--bg);
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

h1, h2, h3, h4 {
    font-family: 'Plus Jakarta Sans', 'Inter', sans-serif;
    line-height: 1.12;
    margin: 0;
    letter-spacing: -0.01em;
}

a { color: inherit; text-decoration: none; }
p { margin: 0; }
img { display: block; max-width: 100%; }
ul { margin: 0; padding: 0; list-style: none; }
button { cursor: pointer; font: inherit; }

/* Skip link */
.skip-link {
    position: absolute;
    top: -100%;
    left: 1rem;
    background: var(--blue-700);
    color: #fff;
    padding: 0.75rem 1.25rem;
    border-radius: var(--radius-sm);
    font-weight: 700;
    z-index: 200;
    transition: top 0.2s;
}
.skip-link:focus {
    top: 1rem;
}

/* Container */
.wrap {
    width: min(1120px, 100% - 2rem);
    margin: 0 auto;
}

/* ── Info Strip ────────────────────────────────────────── */
.info-strip {
    background: linear-gradient(90deg, var(--green-600), var(--green-500));
    color: #fff;
    font-size: 0.85rem;
    font-weight: 600;
}

.info-strip-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
    padding: 0.5rem 0;
}

.info-strip span,
.info-strip a {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    white-space: nowrap;
}

.info-strip a:hover { text-decoration: underline; }

.info-strip i { font-size: 0.8rem; }

/* ── Topbar ────────────────────────────────────────────── */
.topbar {
    position: sticky;
    top: 0;
    z-index: 100;
    background: rgba(255,255,255,0.95);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--border);
}

/* Gradient accent bar */
.topbar::after {
    content: '';
    position: absolute;
    bottom: -3px;
    left: 0;
    right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--blue-700), var(--green-600));
    opacity: 0.85;
}

.topbar.scrolled {
    box-shadow: 0 2px 16px rgba(0,0,0,0.08);
}

.topbar-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    min-height: 72px;
    gap: 1rem;
}

.logo { display: inline-flex; align-items: center; }
.logo img { height: 52px; width: auto; }

.nav-links {
    display: flex;
    align-items: center;
    gap: 1.75rem;
}

.nav-links a {
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--ink-soft);
    transition: color var(--transition);
    padding: 0.25rem 0;
}

.nav-links a:hover { color: var(--blue-700); }

.nav-cta {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    background: var(--gradient-green);
    color: #fff;
    font-weight: 700;
    font-size: 0.88rem;
    padding: 0.6rem 1.15rem;
    border-radius: 999px;
    transition: transform var(--transition), box-shadow var(--transition);
    white-space: nowrap;
    box-shadow: var(--shadow-green-glow);
}

.nav-cta:hover {
    transform: translateY(-1px);
    box-shadow: 0 6px 20px rgba(122,185,41,0.4);
}

.hamburger {
    display: none;
    background: none;
    border: none;
    width: 40px;
    height: 40px;
    color: var(--blue-700);
    padding: 0;
}

.hamburger span {
    display: block;
    width: 22px;
    height: 2px;
    background: currentColor;
    margin: 5px auto;
    border-radius: 2px;
    transition: var(--transition);
}

.mobile-nav {
    display: none;
    padding: 0.75rem 0 1rem;
    border-top: 1px solid var(--border);
}

.mobile-nav.open { display: block; }

.mobile-nav a {
    display: block;
    padding: 0.65rem 0;
    font-weight: 600;
    color: var(--ink-soft);
    font-size: 0.95rem;
}

.mobile-nav a:hover { color: var(--blue-700); }

/* ── Buttons ───────────────────────────────────────────── */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    font-weight: 700;
    font-size: 0.95rem;
    padding: 0.85rem 1.5rem;
    border-radius: var(--radius-sm);
    border: none;
    cursor: pointer;
    transition: transform var(--transition), box-shadow var(--transition), background-color var(--transition);
    min-height: 48px;
    text-align: center;
    line-height: 1.2;
}

.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }

.btn:focus-visible {
    outline: none;
    box-shadow: 0 0 0 3px rgba(39,95,172,0.3);
}

.btn-green {
    background: var(--gradient-green);
    color: #fff;
    box-shadow: var(--shadow-green-glow);
}

.btn-green:hover {
    background: linear-gradient(150deg, var(--green-700), var(--green-600));
    box-shadow: 0 6px 20px rgba(122,185,41,0.4);
}

.btn-blue {
    background: var(--blue-700);
    color: #fff;
    box-shadow: var(--shadow-glow);
}

.btn-blue:hover { background: var(--blue-800); }

.btn-outline {
    background: transparent;
    color: #fff;
    border: 2px solid rgba(255,255,255,0.4);
}

.btn-outline:hover {
    background: rgba(255,255,255,0.12);
    border-color: rgba(255,255,255,0.7);
}

.btn-outline-blue {
    background: transparent;
    color: var(--blue-700);
    border: 2px solid var(--blue-700);
}

.btn-outline-blue:hover {
    background: var(--blue-50);
}

.btn-white {
    background: #fff;
    color: var(--blue-700);
}

.btn-white:hover { background: var(--blue-50); }

.btn-lg {
    font-size: 1.05rem;
    padding: 1rem 2rem;
}

.btn-full { width: 100%; }

/* ── Hero ──────────────────────────────────────────────── */
.hero {
    position: relative;
    overflow: hidden;
    background: var(--gradient-hero);
    color: #fff;
    padding: 3.5rem 0 4rem;
}

/* Dot grid pattern */
.hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image: radial-gradient(rgba(255,255,255,0.08) 1px, transparent 1px);
    background-size: 28px 28px;
    pointer-events: none;
}

/* Decorative gradient orbs */
.hero-orb-1,
.hero-orb-2 {
    position: absolute;
    border-radius: 50%;
    pointer-events: none;
    z-index: 0;
}

.hero-orb-1 {
    width: 500px;
    height: 500px;
    top: -180px;
    left: -120px;
    background: radial-gradient(circle, rgba(39,95,172,0.35), transparent 70%);
}

.hero-orb-2 {
    width: 450px;
    height: 450px;
    bottom: -200px;
    right: -100px;
    background: radial-gradient(circle, rgba(122,185,41,0.2), transparent 70%);
}

.hero-inner {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap: 2.5rem;
    align-items: center;
}

.hero-text { max-width: 560px; }

.kicker {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    background: rgba(122,185,41,0.2);
    border: 1.5px solid rgba(122,185,41,0.5);
    color: var(--green-500);
    font-weight: 800;
    font-size: 0.82rem;
    padding: 0.45rem 1rem;
    border-radius: 999px;
    text-transform: uppercase;
    letter-spacing: 0.04em;
    margin-bottom: 1.25rem;
}

.hero h1 {
    font-size: clamp(2rem, 4.5vw, 3.2rem);
    line-height: 1.08;
    margin-bottom: 1rem;
    color: #fff;
}

.hero h1 .accent { color: var(--green-500); }

.hero-lead {
    font-size: clamp(1rem, 1.8vw, 1.18rem);
    color: rgba(255,255,255,0.9);
    margin-bottom: 1.5rem;
    max-width: 48ch;
    line-height: 1.65;
}

.hero-badges {
    display: flex;
    flex-wrap: wrap;
    gap: 0.5rem;
    margin-bottom: 1.75rem;
}

.hero-badge {
    background: rgba(255,255,255,0.1);
    border: 1px solid rgba(255,255,255,0.22);
    backdrop-filter: blur(6px);
    -webkit-backdrop-filter: blur(6px);
    border-radius: 999px;
    padding: 0.38rem 0.78rem;
    font-size: 0.82rem;
    font-weight: 700;
    color: #fff;
}

.hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 0.75rem;
}

.hero-note {
    margin-top: 1rem;
    font-size: 0.8rem;
    color: rgba(255,255,255,0.6);
}

/* ── Apply Card (Hero Right) ──────────────────────────── */
.apply-card {
    background: var(--surface);
    border-radius: var(--radius-lg);
    padding: 1.75rem;
    box-shadow: var(--shadow-lg);
    color: var(--ink);
}

.apply-card h2 {
    font-size: 1.5rem;
    color: var(--ink);
    margin-bottom: 0.3rem;
}

.apply-card .lead {
    color: var(--muted);
    font-size: 0.92rem;
    margin-bottom: 1.25rem;
}

.apply-checklist {
    background: var(--blue-50);
    border-radius: var(--radius);
    padding: 1rem 1.25rem;
    margin-bottom: 1.25rem;
}

.checklist-heading {
    font-size: 0.85rem;
    font-weight: 700;
    color: var(--ink-soft);
    margin-bottom: 0.5rem;
}

.apply-checklist ul {
    list-style: none;
    margin: 0;
    padding: 0;
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}

.apply-checklist li {
    font-size: 0.9rem;
    color: var(--ink);
    display: flex;
    align-items: center;
    gap: 0.6rem;
}

.apply-checklist li i {
    color: var(--green-600);
    font-size: 1rem;
    width: 1.2rem;
    text-align: center;
    flex-shrink: 0;
}

.trust-pills {
    display: flex;
    flex-wrap: wrap;
    gap: 0.4rem;
    margin-top: 0.75rem;
}

.trust-pill {
    background: var(--blue-50);
    color: var(--blue-700);
    font-size: 0.78rem;
    font-weight: 700;
    padding: 0.3rem 0.6rem;
    border-radius: 999px;
}

.form-help {
    text-align: center;
    margin-top: 0.75rem;
    font-size: 0.85rem;
    color: var(--muted);
}

.form-help a {
    color: var(--blue-700);
    font-weight: 600;
}

.form-help a:hover { text-decoration: underline; }

/* ── Stats Bar ─────────────────────────────────────────── */
.stats-bar {
    background: var(--surface);
    border-bottom: 1px solid var(--border);
    padding: 1.75rem 0;
}

.stats-inner {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1rem;
}

.stat { text-align: center; }

.stat-num {
    font-family: 'Plus Jakarta Sans', sans-serif;
    font-size: 1.75rem;
    font-weight: 800;
    color: var(--blue-700);
    line-height: 1.2;
}

.stat-label {
    font-size: 0.82rem;
    color: var(--muted);
    font-weight: 600;
    margin-top: 0.15rem;
}

/* ── Sections ──────────────────────────────────────────── */
.section { padding: 4.5rem 0; }

.section-header {
    margin-bottom: 2.25rem;
}

.section-header h2 {
    font-size: clamp(1.5rem, 3vw, 2.25rem);
    margin-bottom: 0.5rem;
}

.section-header p {
    color: var(--muted);
    max-width: 56ch;
    font-size: 1.05rem;
    line-height: 1.6;
}

.section-header-center {
    text-align: center;
}

.section-header-center p {
    margin: 0 auto;
}

.section-alt { background: var(--surface); }

/* ── Steps ─────────────────────────────────────────────── */
.steps-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1.5rem;
    position: relative;
}

.step-card {
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 1.5rem;
    position: relative;
    transition: box-shadow var(--transition), transform var(--transition);
}

.step-card:hover {
    box-shadow: var(--shadow);
    transform: translateY(-2px);
}

.step-num {
    width: 42px;
    height: 42px;
    border-radius: 50%;
    display: grid;
    place-items: center;
    font-size: 1rem;
    font-weight: 800;
    color: #fff;
    background: var(--gradient-green);
    margin-bottom: 0.85rem;
    box-shadow: var(--shadow-green-glow);
    transition: transform var(--transition);
}

.step-card:hover .step-num { transform: scale(1.08); }

/* Connecting line between steps (desktop) */
.step-card:not(:last-child)::after {
    content: '';
    position: absolute;
    top: 1.5rem;
    right: -1.5rem;
    width: 1.5rem;
    height: 0;
    border-top: 2px dashed var(--border);
    margin-top: 20px;
}

.step-card h3 {
    font-size: 1.08rem;
    margin-bottom: 0.4rem;
}

.step-card p {
    color: var(--muted);
    font-size: 0.92rem;
    line-height: 1.55;
}

/* ── Comparison Table ──────────────────────────────────── */
.compare-wrapper {
    max-width: 740px;
    margin: 0 auto 2.5rem;
    border-radius: var(--radius);
    overflow: hidden;
    border: 1px solid var(--border);
    box-shadow: var(--shadow-sm);
}

.comparison-table {
    width: 100%;
    border-collapse: collapse;
}

.comparison-table th,
.comparison-table td {
    padding: 0.85rem 1.15rem;
    text-align: left;
    font-size: 0.93rem;
    border-bottom: 1px solid var(--border);
}

.comparison-table thead th {
    font-weight: 700;
    background: var(--blue-50);
    color: var(--ink);
}

.comparison-table thead th:nth-child(2) {
    color: var(--blue-700);
}

.comparison-table td:first-child {
    font-weight: 600;
    color: var(--ink-soft);
}

.comparison-table .us {
    color: var(--green-700);
    font-weight: 700;
}

.comparison-table .us::before {
    content: '\f00c';
    font-family: 'Font Awesome 6 Free';
    font-weight: 900;
    margin-right: 0.5rem;
    font-size: 0.78rem;
}

.comparison-table .them {
    color: var(--muted);
}

.comparison-table .them::before {
    content: '\f00d';
    font-family: 'Font Awesome 6 Free';
    font-weight: 900;
    margin-right: 0.5rem;
    font-size: 0.78rem;
    color: #d1d5db;
}

.comparison-table tr:last-child td { border-bottom: none; }

.comparison-table .us-cell-bg { background: rgba(240,249,228,0.5); }

/* Benefits grid */
.benefits-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.25rem;
}

.benefit-card {
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 1.5rem;
    transition: box-shadow var(--transition), transform var(--transition);
    position: relative;
    overflow: hidden;
}

.benefit-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 3px;
    height: 0;
    background: var(--gradient-green);
    transition: height 0.4s ease;
}

.benefit-card:hover::before { height: 100%; }

.benefit-card:hover {
    box-shadow: var(--shadow);
    transform: translateY(-2px);
}

.benefit-icon {
    width: 48px;
    height: 48px;
    border-radius: 12px;
    display: grid;
    place-items: center;
    margin-bottom: 1rem;
    font-size: 1.2rem;
}

.benefit-icon-blue { background: var(--blue-50); color: var(--blue-700); }
.benefit-icon-green { background: var(--green-50); color: var(--green-700); }

.benefit-card h3 {
    font-size: 1.1rem;
    margin-bottom: 0.4rem;
}

.benefit-card p {
    color: var(--muted);
    font-size: 0.93rem;
    line-height: 1.55;
}

/* ── Location Finder ───────────────────────────────────── */
.location-controls {
    margin-bottom: 1.75rem;
}

.location-search-row {
    display: flex;
    gap: 0.75rem;
    margin-bottom: 1rem;
}

.search-input-wrap {
    flex: 1;
    position: relative;
}

.search-input-wrap i {
    position: absolute;
    left: 0.85rem;
    top: 50%;
    transform: translateY(-50%);
    color: var(--muted);
    font-size: 0.9rem;
}

.search-input-wrap input {
    width: 100%;
    min-height: 46px;
    border: 1.5px solid var(--border);
    border-radius: var(--radius-sm);
    padding: 0.6rem 0.75rem 0.6rem 2.5rem;
    font: inherit;
    font-size: 0.95rem;
    color: var(--ink);
    background: var(--surface);
    transition: border-color var(--transition), box-shadow var(--transition);
}

.search-input-wrap input:focus {
    outline: none;
    border-color: var(--blue-700);
    box-shadow: 0 0 0 3px rgba(39,95,172,0.15);
}

.filter-row {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 0.5rem;
}

.filter-btn {
    background: var(--blue-50);
    color: var(--blue-700);
    border: none;
    padding: 0.5rem 1rem;
    border-radius: 999px;
    font-size: 0.85rem;
    font-weight: 600;
    cursor: pointer;
    transition: all var(--transition);
    white-space: nowrap;
}

.filter-btn:hover {
    background: var(--blue-100);
}

.filter-btn.active {
    background: var(--blue-700);
    color: #fff;
    box-shadow: var(--shadow-glow);
}

.sort-select {
    margin-left: auto;
    min-height: 38px;
    border: 1.5px solid var(--border);
    border-radius: var(--radius-sm);
    padding: 0.4rem 0.75rem;
    font: inherit;
    font-size: 0.85rem;
    color: var(--ink-soft);
    background: var(--surface);
    cursor: pointer;
}

.sort-select:focus {
    outline: none;
    border-color: var(--blue-700);
}

/* Nearest banner */
.nearest-banner {
    background: linear-gradient(135deg, var(--blue-50), var(--green-50));
    border: 1.5px solid var(--blue-100);
    border-radius: var(--radius);
    padding: 1.25rem;
    margin-bottom: 1.5rem;
    display: flex;
    align-items: center;
    gap: 1rem;
    overflow: hidden;
    max-height: 0;
    opacity: 0;
    transition: max-height 0.5s ease, opacity 0.4s ease, padding 0.5s ease, margin 0.5s ease;
    padding: 0 1.25rem;
    margin-bottom: 0;
}

.nearest-banner.visible {
    max-height: 120px;
    opacity: 1;
    padding: 1.25rem;
    margin-bottom: 1.5rem;
}

.nearest-banner i {
    font-size: 1.5rem;
    color: var(--blue-700);
}

.nearest-banner strong { color: var(--ink); }
.nearest-banner span { color: var(--muted); font-size: 0.9rem; }

/* Office cards */
.offices-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1rem;
}

.office-card {
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 1.35rem;
    transition: box-shadow var(--transition), transform var(--transition);
}

.office-card:hover {
    box-shadow: var(--shadow);
    transform: translateY(-2px);
}

.office-card.nearest-highlight {
    border-color: var(--blue-500);
    box-shadow: 0 0 0 3px rgba(39,95,172,0.15), var(--shadow);
    animation: pulseRing 2s ease-in-out 2;
}

@keyframes pulseRing {
    0%, 100% { box-shadow: 0 0 0 3px rgba(39,95,172,0.15), var(--shadow); }
    50% { box-shadow: 0 0 0 6px rgba(39,95,172,0.1), var(--shadow); }
}

.office-card h3 {
    font-size: 1.08rem;
    margin-bottom: 0.3rem;
}

.office-card .distance-badge {
    display: inline-block;
    background: var(--blue-50);
    color: var(--blue-700);
    font-size: 0.78rem;
    font-weight: 700;
    padding: 0.2rem 0.55rem;
    border-radius: 999px;
    margin-bottom: 0.5rem;
}

.office-meta {
    color: var(--muted);
    font-size: 0.88rem;
    margin-bottom: 0.75rem;
    line-height: 1.55;
}

.office-meta .meta-row {
    display: flex;
    align-items: flex-start;
    gap: 0.5rem;
    margin-bottom: 0.35rem;
}

.office-meta i {
    color: var(--blue-600);
    font-size: 0.82rem;
    margin-top: 0.2rem;
    width: 16px;
    text-align: center;
    flex-shrink: 0;
}

.office-actions {
    display: flex;
    gap: 0.5rem;
    margin-top: 0.75rem;
}

.office-btn {
    flex: 1;
    text-align: center;
    padding: 0.6rem 0.5rem;
    border-radius: var(--radius-sm);
    font-size: 0.82rem;
    font-weight: 700;
    transition: all var(--transition);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.35rem;
    min-height: 40px;
}

.office-btn-call {
    background: var(--blue-700);
    color: #fff;
}

.office-btn-call:hover { background: var(--blue-800); }

.office-btn-dir {
    background: var(--blue-50);
    color: var(--blue-700);
}

.office-btn-dir:hover { background: var(--blue-100); }

/* No results */
.no-results {
    text-align: center;
    padding: 3rem 1rem;
    color: var(--muted);
}

.no-results i { font-size: 2rem; margin-bottom: 0.75rem; display: block; }

/* Skeleton loading */
.skeleton-card {
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 1.35rem;
}

.skeleton-line {
    height: 14px;
    border-radius: 4px;
    margin-bottom: 0.75rem;
    background: linear-gradient(90deg, #f0f0f0 25%, #e0e0e0 50%, #f0f0f0 75%);
    background-size: 200% 100%;
    animation: shimmer 1.5s infinite;
}

.skeleton-line:nth-child(1) { width: 60%; height: 18px; }
.skeleton-line:nth-child(2) { width: 80%; }
.skeleton-line:nth-child(3) { width: 45%; }

@keyframes shimmer {
    0% { background-position: 200% 0; }
    100% { background-position: -200% 0; }
}

/* ── Testimonials ──────────────────────────────────────── */
.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.25rem;
}

.testimonial {
    background: linear-gradient(180deg, #ffffff, #f8fbff);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 1.5rem;
    transition: box-shadow var(--transition), transform var(--transition);
}

.testimonial:hover {
    box-shadow: var(--shadow);
    transform: translateY(-3px);
}

.testimonial .stars {
    color: var(--star);
    font-size: 0.85rem;
    margin-bottom: 0.6rem;
    letter-spacing: 0.08em;
}

.testimonial p {
    color: var(--ink-soft);
    font-size: 0.93rem;
    margin-bottom: 0.75rem;
    font-style: italic;
    line-height: 1.6;
}

.testimonial cite {
    font-style: normal;
    font-weight: 700;
    font-size: 0.82rem;
    color: var(--muted);
}

/* ── FAQ ───────────────────────────────────────────────── */
.faq-list {
    display: grid;
    gap: 0.6rem;
    max-width: 740px;
    margin: 0 auto;
}

.faq-item {
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    overflow: hidden;
}

.faq-item summary {
    padding: 1rem 1.25rem;
    font-weight: 700;
    color: var(--ink);
    cursor: pointer;
    list-style: none;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
    transition: color var(--transition);
}

.faq-item summary:hover { color: var(--blue-700); }

.faq-item summary::-webkit-details-marker { display: none; }

.faq-item summary::after {
    content: '+';
    font-size: 1.35rem;
    font-weight: 400;
    color: var(--blue-700);
    transition: transform var(--transition);
    flex-shrink: 0;
}

.faq-item[open] summary::after {
    transform: rotate(45deg);
}

.faq-item summary:focus-visible {
    outline: none;
    box-shadow: inset 0 0 0 2px rgba(39,95,172,0.3);
}

.faq-answer {
    overflow: hidden;
    max-height: 0;
    transition: max-height 0.35s ease;
}

.faq-answer-inner {
    padding: 0 1.25rem 1.15rem;
    color: var(--muted);
    font-size: 0.93rem;
    line-height: 1.65;
}

/* ── CTA Banner ────────────────────────────────────────── */
.cta-banner {
    background: var(--gradient-cta);
    background-size: 200% 200%;
    border-radius: var(--radius-xl);
    padding: clamp(2rem, 4vw, 3.5rem);
    text-align: center;
    color: #fff;
}

.cta-banner h2 {
    font-size: clamp(1.5rem, 3vw, 2.5rem);
    margin-bottom: 0.75rem;
}

.cta-banner p {
    color: rgba(255,255,255,0.9);
    margin-bottom: 1.5rem;
    max-width: 52ch;
    margin-left: auto;
    margin-right: auto;
    font-size: 1.05rem;
    line-height: 1.6;
}

.cta-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 0.75rem;
    justify-content: center;
}

.cta-notice {
    margin-top: 1rem;
    font-size: 0.78rem;
    color: rgba(255,255,255,0.55);
}

/* ── Footer ────────────────────────────────────────────── */
footer {
    background: var(--blue-800);
    color: rgba(255,255,255,0.85);
    padding: 2.5rem 0;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.3fr 1fr 1fr;
    gap: 2rem;
}

.footer-logo { height: 44px; width: auto; margin-bottom: 1rem; filter: brightness(1.1); }

footer h3 {
    color: #fff;
    font-size: 1rem;
    margin-bottom: 0.65rem;
}

footer p,
footer a {
    font-size: 0.88rem;
    color: rgba(255,255,255,0.75);
    line-height: 1.65;
}

footer a:hover { color: #fff; }

.footer-links {
    display: grid;
    gap: 0.4rem;
}

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.1);
    margin-top: 2rem;
    padding-top: 1.25rem;
    text-align: center;
}

.footer-bottom p {
    font-size: 0.82rem;
    color: rgba(255,255,255,0.5);
}

.footer-bottom .compliance {
    margin-top: 0.5rem;
    font-size: 0.75rem;
    max-width: 72ch;
    margin-left: auto;
    margin-right: auto;
}

/* ── Mobile Sticky Bar ─────────────────────────────────── */
.mobile-bar {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 90;
    display: none;
    gap: 0.5rem;
    padding: 0.6rem 0.75rem;
    padding-bottom: max(0.6rem, env(safe-area-inset-bottom));
    background: rgba(27,74,138,0.97);
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
    border-top: 1px solid rgba(255,255,255,0.1);
}

.mobile-bar a {
    flex: 1;
    text-align: center;
    padding: 0.75rem;
    border-radius: var(--radius-sm);
    font-weight: 800;
    font-size: 0.9rem;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.4rem;
    min-height: 48px;
}

.mobile-bar .mb-apply {
    background: var(--gradient-green);
    color: #fff;
}

.mobile-bar .mb-call {
    background: rgba(255,255,255,0.1);
    border: 1px solid rgba(255,255,255,0.25);
    color: #fff;
}

/* ── Scroll Reveal Animations ──────────────────────────── */
@media (prefers-reduced-motion: no-preference) {
    .reveal {
        opacity: 0;
        transform: translateY(20px);
        transition: opacity 0.6s ease, transform 0.6s ease;
    }

    .reveal.revealed {
        opacity: 1;
        transform: translateY(0);
    }

    .reveal-stagger:nth-child(1) { transition-delay: 0s; }
    .reveal-stagger:nth-child(2) { transition-delay: 0.1s; }
    .reveal-stagger:nth-child(3) { transition-delay: 0.12s; }
    .reveal-stagger:nth-child(4) { transition-delay: 0.18s; }
    .reveal-stagger:nth-child(5) { transition-delay: 0.22s; }
    .reveal-stagger:nth-child(6) { transition-delay: 0.26s; }

    /* Comparison table rows */
    .comparison-table tbody tr {
        opacity: 0;
        transform: translateX(-10px);
        transition: opacity 0.4s ease, transform 0.4s ease;
    }

    .compare-wrapper.revealed .comparison-table tbody tr {
        opacity: 1;
        transform: translateX(0);
    }

    .compare-wrapper.revealed .comparison-table tbody tr:nth-child(1) { transition-delay: 0s; }
    .compare-wrapper.revealed .comparison-table tbody tr:nth-child(2) { transition-delay: 0.08s; }
    .compare-wrapper.revealed .comparison-table tbody tr:nth-child(3) { transition-delay: 0.16s; }
    .compare-wrapper.revealed .comparison-table tbody tr:nth-child(4) { transition-delay: 0.24s; }
    .compare-wrapper.revealed .comparison-table tbody tr:nth-child(5) { transition-delay: 0.32s; }

    /* CTA banner gradient animation */
    .cta-banner {
        animation: gradientShift 8s ease infinite;
    }

    @keyframes gradientShift {
        0%, 100% { background-position: 0% 50%; }
        50% { background-position: 100% 50%; }
    }

    /* Location card fade in */
    .office-card {
        animation: fadeUp 0.5s ease forwards;
        opacity: 0;
    }

    @keyframes fadeUp {
        from { opacity: 0; transform: translateY(16px); }
        to { opacity: 1; transform: translateY(0); }
    }
}

/* For users who prefer reduced motion */
@media (prefers-reduced-motion: reduce) {
    .reveal { opacity: 1; transform: none; }
    .comparison-table tbody tr { opacity: 1; transform: none; }
    .cta-banner { animation: none; }
    .office-card { opacity: 1; animation: none; }
}

/* ── Apply Page ────────────────────────────────────────── */
.apply-page-section {
    padding-top: 2rem;
}

.apply-page-header {
    text-align: center;
    margin-bottom: 2rem;
}

.back-link {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    color: var(--blue-700);
    font-weight: 600;
    font-size: 0.9rem;
    margin-bottom: 1rem;
    transition: color var(--transition);
}

.back-link:hover { color: var(--blue-800); }

.apply-page-header h1 {
    font-size: 2rem;
    color: var(--ink);
    margin-bottom: 0.5rem;
}

.apply-page-header p {
    color: var(--muted);
    font-size: 1rem;
    max-width: 600px;
    margin: 0 auto;
    line-height: 1.6;
}

.apply-page-grid {
    display: grid;
    grid-template-columns: 1fr 360px;
    gap: 2rem;
    align-items: start;
}

.apply-form-card {
    background: var(--surface);
    border-radius: var(--radius-lg);
    padding: 2rem;
    box-shadow: var(--shadow-lg);
    min-height: 400px;
}

.form-loading {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 1rem;
    padding: 4rem 1rem;
    color: var(--blue-700);
}

.form-loading p {
    color: var(--muted);
    font-size: 0.9rem;
}

.form-disclaimer {
    text-align: center;
    font-size: 0.82rem;
    color: var(--muted);
    margin-top: 1rem;
    line-height: 1.5;
}

/* Style TeamDesk embed to match our design */
#loanapplication input[type="text"],
#loanapplication input[type="email"],
#loanapplication input[type="tel"],
#loanapplication input[type="number"],
#loanapplication select,
#loanapplication textarea {
    width: 100%;
    min-height: 46px;
    border: 1.5px solid var(--border) !important;
    border-radius: var(--radius-sm);
    padding: 0.6rem 0.75rem;
    font-family: 'Inter', sans-serif;
    font-size: 0.95rem;
    color: var(--ink);
    background: #fff !important;
    transition: border-color var(--transition), box-shadow var(--transition);
    box-shadow: none !important;
}

#loanapplication .errormsg,
#loanapplication .fieldError {
    color: #c0392b;
    font-size: 0.8rem;
    margin-top: 0.2rem;
}

#loanapplication .fieldError input,
#loanapplication .fieldError select,
#loanapplication .fieldError textarea {
    border-color: #c0392b !important;
}

#loanapplication input:focus,
#loanapplication select:focus,
#loanapplication textarea:focus {
    outline: none;
    border-color: var(--blue-700);
    box-shadow: 0 0 0 3px rgba(39,95,172,0.15);
}

#loanapplication label {
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--ink-soft);
    display: block;
    margin-bottom: 0.3rem;
}

#loanapplication table {
    width: 100%;
    border-collapse: collapse;
}

#loanapplication td {
    padding: 0.5rem 0.25rem;
    vertical-align: top;
}

#loanapplication input[type="submit"],
#loanapplication button[type="submit"] {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    background: var(--green-600);
    color: #fff;
    border: none;
    border-radius: var(--radius-sm);
    padding: 0.85rem 2rem;
    font-family: 'Plus Jakarta Sans', sans-serif;
    font-weight: 700;
    font-size: 1rem;
    cursor: pointer;
    transition: background var(--transition), transform var(--transition);
    margin-top: 0.5rem;
}

#loanapplication input[type="submit"]:hover,
#loanapplication button[type="submit"]:hover {
    background: var(--green-700);
    transform: translateY(-1px);
}

/* Sidebar */
.apply-sidebar {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.apply-sidebar-card {
    background: var(--surface);
    border-radius: var(--radius);
    padding: 1.25rem;
    box-shadow: var(--shadow);
}

.apply-sidebar-card h3 {
    font-size: 1rem;
    color: var(--ink);
    margin-bottom: 0.75rem;
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.apply-sidebar-card h3 i {
    color: var(--blue-700);
}

.sidebar-checklist {
    list-style: none;
    padding: 0;
    margin: 0;
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}

.sidebar-checklist li {
    display: flex;
    align-items: center;
    gap: 0.6rem;
    font-size: 0.9rem;
    color: var(--ink);
}

.sidebar-checklist li i {
    color: var(--green-600);
    font-size: 0.85rem;
    flex-shrink: 0;
}

.sidebar-steps {
    padding-left: 1.25rem;
    margin: 0;
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}

.sidebar-steps li {
    font-size: 0.9rem;
    color: var(--ink);
    padding-left: 0.25rem;
}

.sidebar-steps li::marker {
    color: var(--blue-700);
    font-weight: 700;
}

.sidebar-trust {
    text-align: center;
}

.apply-sidebar-card p {
    font-size: 0.9rem;
    color: var(--muted);
    margin-bottom: 0.75rem;
    line-height: 1.5;
}

/* ── Responsive: Tablet ────────────────────────────────── */
@media (max-width: 960px) {
    .nav-links, .nav-cta { display: none; }
    .hamburger { display: block; }

    .hero-inner { grid-template-columns: 1fr; }

    .steps-grid { grid-template-columns: repeat(2, 1fr); }
    .step-card:not(:last-child)::after { display: none; }

    .benefits-grid,
    .offices-grid,
    .testimonials-grid,
    .footer-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .stats-inner { grid-template-columns: repeat(2, 1fr); gap: 1.25rem; }

    .apply-page-grid { grid-template-columns: 1fr; }
    .apply-sidebar { order: -1; }
}

/* ── Responsive: Mobile ────────────────────────────────── */
@media (max-width: 640px) {
    .wrap { width: calc(100% - 1.25rem); }

    .info-strip-inner {
        justify-content: center;
        flex-wrap: wrap;
        gap: 0.5rem;
        font-size: 0.78rem;
    }

    .info-strip .desktop-only { display: none; }

    .logo img { height: 44px; }

    .hero { padding: 2.5rem 0 3rem; }

    .apply-checklist { padding: 0.85rem 1rem; }

    .steps-grid,
    .benefits-grid,
    .offices-grid,
    .testimonials-grid,
    .footer-grid,
    .stats-inner {
        grid-template-columns: 1fr;
    }

    .hero-actions {
        flex-direction: column;
    }

    .hero-actions .btn { width: 100%; }

    .location-search-row {
        flex-direction: column;
    }

    .filter-row {
        overflow-x: auto;
        flex-wrap: nowrap;
        -webkit-overflow-scrolling: touch;
        padding-bottom: 0.25rem;
    }

    .mobile-bar { display: flex; }

    footer { padding-bottom: 5rem; }

    .comparison-table th,
    .comparison-table td {
        padding: 0.65rem 0.6rem;
        font-size: 0.82rem;
    }

    .cta-actions { flex-direction: column; }
    .cta-actions .btn { width: 100%; }
}