/* ========================================
   Prestamo247 MX - Subpage Styles
   Professional Redesign
   ======================================== */

/* --- Page Hero --- */
.page-hero {
    padding: 56px 0 48px;
    background: var(--gradient-hero);
    color: var(--white);
    margin-top: 72px;
    position: relative;
    overflow: hidden;
}

/* decorative circles removed */

.page-hero .container {
    position: relative;
    z-index: 1;
}

.page-hero h1 {
    font-size: 44px;
    font-weight: 800;
    line-height: 1.15;
    margin-bottom: 16px;
    max-width: 750px;
    letter-spacing: -0.5px;
}

.page-hero .hero-desc,
.page-hero .page-hero-description {
    font-size: 18px;
    line-height: 1.7;
    color: rgba(255, 255, 255, .85);
    max-width: 650px;
    margin-bottom: 0;
}

.page-hero .hero-badge,
.page-hero .page-hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background: rgba(255, 255, 255, .1);
    border: 1px solid rgba(255, 255, 255, .18);
    padding: 8px 20px;
    border-radius: 50px;
    font-size: 13px;
    font-weight: 600;
    margin-bottom: 20px;
    color: rgba(255, 255, 255, .95);
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
}

.page-hero.hero-center {
    text-align: center;
}

.page-hero.hero-center h1,
.page-hero.hero-center .hero-desc,
.page-hero.hero-center .page-hero-description {
    max-width: 750px;
    margin-left: auto;
    margin-right: auto;
}

/* --- Breadcrumb --- */
.breadcrumb {
    background: var(--white);
    border-bottom: 1px solid var(--gray-200);
    padding: 14px 0;
    margin-top: 72px;
}

.breadcrumb + .page-hero {
    margin-top: 0;
}

.page-hero + .breadcrumb {
    margin-top: 0;
}

.breadcrumb-list {
    display: flex;
    align-items: center;
    list-style: none;
    gap: 0;
    font-size: 13px;
    flex-wrap: wrap;
}

.breadcrumb-list li {
    display: flex;
    align-items: center;
}

.breadcrumb-list li::after {
    content: '\203A';
    margin: 0 10px;
    color: var(--gray-400);
    font-size: 14px;
}

.breadcrumb-list li:last-child::after {
    display: none;
}

.breadcrumb-list li .separator {
    color: var(--gray-400);
    font-size: 14px;
}

.breadcrumb-list li:has(.separator)::after {
    display: none;
}

.breadcrumb-list a {
    color: var(--gray-500);
    text-decoration: none;
    transition: color .2s;
}

.breadcrumb-list a:hover {
    color: var(--primary);
}

.breadcrumb-list li:last-child span,
.breadcrumb-list .current {
    color: var(--dark);
    font-weight: 600;
}

/* --- Article Meta Bar --- */
.article-meta-bar,
.article-meta {
    display: flex;
    align-items: center;
    gap: 20px;
    padding: 20px 0;
    margin-bottom: 36px;
    border-bottom: 2px solid var(--gray-100);
    flex-wrap: wrap;
}

.article-meta-item {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 13px;
    color: var(--gray-500);
}

.article-meta-item strong {
    color: var(--dark);
    font-weight: 700;
}

.article-meta-item .meta-icon {
    font-size: 14px;
}

.article-meta-bar .meta-author {
    display: flex;
    align-items: center;
    gap: 10px;
}

.meta-author-avatar {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: var(--gradient-primary);
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 13px;
    flex-shrink: 0;
}

.meta-author-name {
    font-weight: 700;
    font-size: 14px;
    color: var(--dark);
}

.meta-divider {
    width: 1px;
    height: 20px;
    background: var(--gray-300);
}

.meta-item {
    display: flex;
    align-items: center;
    gap: 5px;
    font-size: 13px;
    color: var(--gray-500);
}

.meta-item .meta-icon {
    font-size: 14px;
}

/* --- TL;DR Box --- */
.tldr-box {
    background: linear-gradient(135deg, #E6F7F0 0%, #F0FBF6 100%);
    border: 1px solid rgba(0, 135, 90, .15);
    border-left: 5px solid var(--primary);
    border-radius: var(--radius-md);
    padding: 28px 32px;
    margin-bottom: 40px;
    position: relative;
}

/* decorative circle removed */

.tldr-box .tldr-title,
.tldr-box h3 {
    font-size: 16px;
    font-weight: 800;
    color: var(--primary);
    text-transform: uppercase;
    letter-spacing: .5px;
    margin-bottom: 16px;
}

.tldr-box ul {
    list-style: none;
    padding: 0;
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.tldr-box li {
    font-size: 14px;
    line-height: 1.5;
    color: var(--dark-500);
    display: flex;
    align-items: flex-start;
    gap: 8px;
}

.tldr-box li .tldr-check {
    color: var(--secondary);
    font-weight: 700;
    flex-shrink: 0;
    margin-top: 1px;
}

.tldr-box p {
    font-size: 15px;
    line-height: 1.8;
    color: var(--dark-500);
    margin: 0;
}

/* --- Article Body --- */
.article-body {
    max-width: 820px;
    margin: 0 auto;
    padding: 0 0 60px;
}

.article-body h2 {
    font-size: 28px;
    font-weight: 800;
    color: var(--dark);
    margin: 52px 0 20px;
    padding-top: 32px;
    position: relative;
    letter-spacing: -0.3px;
}

.article-body h2::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 60px;
    height: 4px;
    background: var(--gradient-primary);
    border-radius: 2px;
}

.article-body h2:first-child {
    margin-top: 0;
    padding-top: 0;
}

.article-body h2:first-child::before {
    display: none;
}

.article-body h3 {
    font-size: 22px;
    font-weight: 700;
    color: var(--dark-700);
    margin: 36px 0 14px;
}

.article-body p {
    font-size: 16px;
    line-height: 1.85;
    color: var(--dark-500);
    margin-bottom: 18px;
}

.article-body ul,
.article-body ol {
    margin: 20px 0;
    padding-left: 0;
    list-style: none;
}

.article-body ul li,
.article-body ol li {
    font-size: 16px;
    line-height: 1.8;
    color: var(--dark-500);
    margin-bottom: 12px;
    padding-left: 30px;
    position: relative;
}

.article-body ul li::before {
    content: '';
    position: absolute;
    left: 0;
    top: 10px;
    width: 8px;
    height: 8px;
    background: var(--gradient-primary);
    border-radius: 50%;
    box-shadow: 0 0 0 3px rgba(0, 135, 90, .12);
}

.article-body ol {
    counter-reset: list-counter;
}

.article-body ol li {
    counter-increment: list-counter;
}

.article-body ol li::before {
    content: counter(list-counter);
    position: absolute;
    left: 0;
    top: 2px;
    width: 22px;
    height: 22px;
    background: var(--gradient-primary);
    color: var(--white);
    border-radius: 50%;
    font-size: 12px;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 2px 6px rgba(0, 135, 90, .2);
}

.article-body a {
    color: var(--primary);
    text-decoration: none;
    font-weight: 500;
    border-bottom: 1px solid rgba(0, 135, 90, .3);
    transition: all .2s;
}

.article-body a:hover {
    color: var(--primary-dark);
    border-bottom-color: var(--primary-dark);
}

.article-body strong {
    color: var(--dark);
    font-weight: 700;
}

/* --- Article Section Container --- */
.article-section,
.article-faq,
.related-content {
    padding: 48px 0;
}

.article-faq {
    background: var(--gray-100);
}

.related-content {
    padding: 60px 0;
}

.article-container {
    max-width: 820px;
    margin: 0 auto;
}

/* --- Article Steps (Vertical Timeline) --- */
.article-steps {
    margin: 36px 0;
    position: relative;
}

.article-steps::before {
    content: '';
    position: absolute;
    left: 23px;
    top: 0;
    bottom: 0;
    width: 3px;
    background: linear-gradient(180deg, var(--primary) 0%, rgba(0, 135, 90, .15) 100%);
    border-radius: 2px;
}

.article-step {
    display: flex;
    gap: 24px;
    padding: 24px 0;
    position: relative;
}

.article-step:first-child {
    padding-top: 0;
}

.article-step:last-child {
    padding-bottom: 0;
}

.step-num,
.article-step .step-num {
    width: 48px;
    height: 48px;
    background: var(--gradient-primary);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    font-weight: 800;
    flex-shrink: 0;
    z-index: 1;
    box-shadow: 0 4px 12px rgba(0, 135, 90, .25);
    transition: transform .3s, box-shadow .3s;
}

.article-step:hover .step-num {
    transform: scale(1.08);
    box-shadow: 0 6px 16px rgba(0, 135, 90, .35);
}

.step-content,
.article-step .step-content {
    flex: 1;
    padding-top: 2px;
}

.step-content h3,
.article-step .step-content h3 {
    font-size: 18px;
    font-weight: 700;
    color: var(--dark);
    margin: 8px 0 10px;
    line-height: 1.4;
}

.step-content p,
.article-step .step-content p {
    font-size: 15px;
    color: var(--dark-500);
    line-height: 1.75;
    margin: 0;
}

/* --- Comparison Table Section --- */
.table-section {
    padding: 56px 0;
    background: var(--gray-100);
}

.comparison-table-wrapper,
.comparison-wrapper,
.table-responsive {
    overflow-x: auto;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    -webkit-overflow-scrolling: touch;
    touch-action: pan-x pan-y;
    margin: 32px 0;
    position: relative;
}

.comparison-table {
    width: 100%;
    border-collapse: separate;
    border-spacing: 0;
    background: var(--white);
    min-width: 700px;
    font-size: 14px;
}

.table-lender-avatar {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: var(--gradient-primary);
    color: var(--white);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 14px;
    flex-shrink: 0;
}

.card-top-left .table-lender-avatar {
    width: 140px;
    height: 72px;
    font-size: 30px;
    border-radius: 12px;
}

.key-facts-header .table-lender-avatar {
    width: 44px;
    height: 44px;
    font-size: 18px;
    border-radius: var(--radius-sm);
}

.related-lender-item .table-lender-avatar {
    width: 36px;
    height: 36px;
    font-size: 14px;
}

/* Lender cell in comparison/listing tables */
.lender-cell {
    display: flex;
    align-items: center;
    gap: 10px;
}

.lender-cell img {
    width: 36px;
    height: 36px;
    object-fit: contain;
    border-radius: 8px;
    flex-shrink: 0;
}

.lender-cell .table-lender-avatar {
    width: 36px;
    height: 36px;
    border-radius: 8px;
    font-size: 15px;
}

.lender-cell a {
    font-weight: 600;
    color: var(--dark);
    text-decoration: none;
}

.lender-cell a:hover {
    color: var(--primary);
}

.comparison-table thead th {
    background: linear-gradient(135deg, #0D1B2A 0%, #1A3A2E 100%);
    color: var(--white);
    padding: 18px 20px;
    font-weight: 700;
    font-size: 12px;
    text-transform: uppercase;
    letter-spacing: .8px;
    white-space: nowrap;
    text-align: left;
    position: sticky;
    top: 0;
    z-index: 10;
}

.comparison-table thead th:first-child {
    border-radius: var(--radius-lg) 0 0 0;
}

.comparison-table thead th:last-child {
    border-radius: 0 var(--radius-lg) 0 0;
}

.comparison-table tbody td {
    padding: 18px 20px;
    border-bottom: 1px solid var(--gray-100);
    vertical-align: middle;
    color: var(--dark-500);
    transition: background .2s;
}

.comparison-table tbody tr {
    transition: all .2s;
}

.comparison-table tbody tr:hover {
    background: #F0FBF6;
}

.comparison-table tbody tr:hover td {
    color: var(--dark);
}

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

.comparison-table tbody tr:last-child td:first-child {
    border-radius: 0 0 0 var(--radius-lg);
}

.comparison-table tbody tr:last-child td:last-child {
    border-radius: 0 0 var(--radius-lg) 0;
}

.table-lender {
    display: flex;
    align-items: center;
    gap: 12px;
}

.table-lender img {
    width: 100px;
    height: 32px;
    object-fit: contain;
    flex-shrink: 0;
}

.table-lender-info {
    display: flex;
    flex-direction: column;
}

.table-lender-name {
    font-weight: 700;
    color: var(--dark);
    font-size: 15px;
}

.table-lender-usp {
    font-size: 11px;
    color: var(--secondary-dark);
    font-weight: 600;
}

.table-value {
    font-weight: 600;
    color: var(--dark-700);
}

.table-rating {
    font-weight: 700;
    color: var(--dark);
}

a.table-cta,
a.table-cta:link,
a.table-cta:visited,
a.table-cta-btn,
a.table-cta-btn:link,
a.table-cta-btn:visited,
.table-cta,
.table-cta-btn {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    padding: 10px 20px;
    background: var(--gradient-primary);
    color: #fff;
    border-radius: var(--radius-sm);
    font-weight: 700;
    font-size: 13px;
    transition: all .3s;
    text-decoration: none;
    border: none;
    white-space: nowrap;
    box-shadow: 0 2px 8px rgba(0, 135, 90, .25);
}

a.table-cta:hover,
a.table-cta-btn:hover,
.table-cta:hover,
.table-cta-btn:hover {
    transform: translateY(-1px);
    box-shadow: 0 4px 12px rgba(0, 135, 90, .35);
    color: #fff;
}

/* --- Lender Offer Cards --- */
.offer-cards-grid {
    display: flex;
    flex-direction: column;
    gap: 28px;
    margin: 36px 0;
}

.lender-offer-card {
    background: var(--white);
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-lg);
    padding: 0;
    overflow: hidden;
    transition: all .3s ease;
    position: relative;
    margin-bottom: 24px;
}

.lender-offer-card:last-child {
    margin-bottom: 0;
}

.lender-offer-card:hover {
    border-color: var(--primary);
    box-shadow: 0 8px 32px rgba(0, 135, 90, .12);
    transform: translateY(-3px);
}

.lender-offer-card.card-featured {
    border-color: var(--secondary);
    box-shadow: 0 4px 24px rgba(255, 184, 0, .15);
    background: linear-gradient(180deg, #FFFEF5 0%, var(--white) 40%);
}

.lender-offer-card.card-featured:hover {
    box-shadow: 0 8px 36px rgba(255, 184, 0, .25);
}

.card-ribbon {
    position: absolute;
    top: 0;
    right: 24px;
    background: var(--gradient-accent);
    color: var(--white);
    padding: 8px 16px 10px;
    font-size: 11px;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: .5px;
    border-radius: 0 0 10px 10px;
    z-index: 2;
    box-shadow: 0 4px 12px rgba(255, 87, 34, .3);
}

.card-ribbon.ribbon-green {
    background: linear-gradient(135deg, #00875A, #00B377);
    box-shadow: 0 4px 12px rgba(0, 135, 90, .3);
}

.card-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 28px 32px 0;
    gap: 16px;
}

.card-top-left {
    display: flex;
    align-items: center;
    gap: 16px;
}

.card-rank {
    width: 44px;
    height: 44px;
    background: var(--gradient-primary);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    font-weight: 800;
    flex-shrink: 0;
    box-shadow: 0 4px 12px rgba(0, 135, 90, .25);
}

.card-logo {
    width: 140px;
    height: 72px;
    object-fit: contain;
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: 12px;
    padding: 10px 14px;
    box-shadow: 0 1px 4px rgba(0,0,0,.04);
    flex-shrink: 0;
}

.card-name-group {
    display: flex;
    flex-direction: column;
}

.card-name {
    font-size: 21px;
    font-weight: 800;
    color: var(--dark);
    letter-spacing: -0.3px;
}

.card-usp {
    font-size: 13px;
    font-weight: 600;
    color: var(--secondary-dark);
}

.card-rating {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 15px;
    color: var(--accent);
    font-weight: 700;
    background: var(--accent-light);
    padding: 6px 14px;
    border-radius: 50px;
}

.card-stats {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0;
    padding: 24px 32px;
}

.card-stat {
    display: flex;
    flex-direction: column;
    gap: 6px;
    padding: 0 16px;
    border-right: 1px solid var(--gray-200);
}

.card-stat:first-child {
    padding-left: 0;
}

.card-stat:last-child {
    border-right: none;
}

.card-stat-label {
    font-size: 11px;
    font-weight: 600;
    color: var(--gray-500);
    text-transform: uppercase;
    letter-spacing: .5px;
}

.card-stat-value {
    font-size: 15px;
    font-weight: 800;
    color: var(--dark);
}

.card-bottom {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 18px 32px;
    background: var(--gray-100);
    border-top: 1px solid var(--gray-200);
    gap: 16px;
}

.lender-offer-card.card-featured .card-bottom {
    background: linear-gradient(135deg, #FFFDE7 0%, #FFF8E1 100%);
    border-top-color: rgba(255, 184, 0, .2);
}

.card-badge-row {
    display: flex;
    align-items: center;
    gap: 14px;
    font-size: 13px;
    color: var(--gray-500);
    flex-wrap: wrap;
}

.card-badge-item {
    display: flex;
    align-items: center;
    gap: 4px;
}

a.card-cta,
a.card-cta:link,
a.card-cta:visited,
.card-cta {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 13px 30px;
    background: var(--gradient-primary);
    color: #fff;
    border-radius: var(--radius-sm);
    font-weight: 700;
    font-size: 15px;
    text-decoration: none;
    border: none;
    transition: all .3s;
    white-space: nowrap;
    box-shadow: 0 4px 16px rgba(0, 135, 90, .3);
}

a.card-cta:hover,
.card-cta:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 24px rgba(0, 135, 90, .4);
    color: #fff;
}

/* --- Pros/Cons Grid --- */
.pros-cons-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
    margin: 36px 0;
}

.pros-card,
.cons-card {
    border-radius: var(--radius-lg);
    padding: 32px;
    position: relative;
    overflow: hidden;
}

.pros-card {
    background: linear-gradient(135deg, #E8F5E9 0%, #F1F8E9 100%);
    border: 1px solid #C8E6C9;
}

.cons-card {
    background: linear-gradient(135deg, #FFEBEE 0%, #FFF3E0 100%);
    border: 1px solid #FFCDD2;
}

.pros-card h4,
.cons-card h4 {
    font-size: 16px;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: .5px;
    margin-bottom: 18px;
    display: flex;
    align-items: center;
    gap: 8px;
}

.pros-card h4 {
    color: #2E7D32;
}

.cons-card h4 {
    color: #C62828;
}

.pros-card ul,
.cons-card ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.pros-card li,
.cons-card li {
    font-size: 14px;
    line-height: 1.6;
    margin-bottom: 12px;
    padding-left: 28px;
    position: relative;
}

.pros-card li:last-child,
.cons-card li:last-child {
    margin-bottom: 0;
}

.pros-card li::before {
    content: '\2713';
    position: absolute;
    left: 0;
    top: 0;
    color: #2E7D32;
    font-weight: 700;
    width: 20px;
    height: 20px;
    background: rgba(46, 125, 50, .1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 11px;
}

.cons-card li::before {
    content: '\2715';
    position: absolute;
    left: 0;
    top: 0;
    color: #C62828;
    font-weight: 700;
    width: 20px;
    height: 20px;
    background: rgba(198, 40, 40, .1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 11px;
}

/* --- Callout Boxes --- */
.callout-box,
.callout {
    border-radius: var(--radius-md);
    padding: 24px 28px;
    margin: 32px 0;
    display: block;
    position: relative;
    overflow: hidden;
}

/* decorative circles removed */

.callout-box .callout-icon {
    font-size: 24px;
    flex-shrink: 0;
    margin-bottom: 8px;
}

.callout-box .callout-content h4,
.callout .callout-title {
    font-size: 15px;
    font-weight: 700;
    margin-bottom: 8px;
    display: block;
}

.callout-box .callout-content p,
.callout p {
    font-size: 14px;
    line-height: 1.75;
    margin: 0;
    color: var(--dark-500);
}

.callout ul {
    list-style: none;
    padding: 0;
    margin: 8px 0 0;
}

.callout ul li {
    font-size: 14px;
    line-height: 1.6;
    margin-bottom: 8px;
    padding-left: 20px;
    position: relative;
}

.callout ul li::before {
    content: '\2022';
    position: absolute;
    left: 0;
    font-weight: 700;
}

.callout-info {
    background: linear-gradient(135deg, #E6F7F0, #F0FBF6);
    border: 1px solid #B2DFDB;
    border-left: 4px solid var(--primary);
}

/* callout-info circle removed */

.callout-info h4,
.callout-info .callout-title {
    color: #00875A;
}

.callout-warning {
    background: linear-gradient(135deg, #FFF3E0, #FFF8E1);
    border: 1px solid #FFE0B2;
    border-left: 4px solid #E65100;
}

/* callout-warning circle removed */

.callout-warning h4,
.callout-warning .callout-title {
    color: #E65100;
}

.callout-warning ul li::before {
    color: #E65100;
}

.callout-danger {
    background: linear-gradient(135deg, #FFEBEE, #FCE4EC);
    border: 1px solid #FFCDD2;
    border-left: 4px solid #C62828;
}

/* callout-danger circle removed */

.callout-danger h4,
.callout-danger .callout-title {
    color: #C62828;
}

.callout-success {
    background: linear-gradient(135deg, #E8F5E9, #F1F8E9);
    border: 1px solid #C8E6C9;
    border-left: 4px solid #2E7D32;
}

/* callout-success circle removed */

.callout-success h4,
.callout-success .callout-title {
    color: #2E7D32;
}

.callout-success {
    background: linear-gradient(135deg, #E8F5E9, #F1F8E9);
    border: 1px solid #C8E6C9;
    border-left: 4px solid #2E7D32;
}

/* callout-success circle removed */

.callout-success h4,
.callout-success .callout-title {
    color: #2E7D32;
}

/* --- Category Grid --- */
.category-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
    gap: 24px;
    margin: 32px 0;
}

.category-card {
    background: var(--white);
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-lg);
    padding: 36px 32px;
    transition: all .3s ease;
    display: flex;
    flex-direction: column;
    position: relative;
    overflow: hidden;
    text-decoration: none;
}

.category-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: var(--gradient-primary);
    opacity: 0;
    transition: opacity .3s;
}

.category-card:hover {
    border-color: var(--primary);
    box-shadow: 0 8px 32px rgba(0, 135, 90, .1);
    transform: translateY(-4px);
}

.category-card:hover::before {
    opacity: 1;
}

.category-icon {
    width: 56px;
    height: 56px;
    background: var(--primary-light);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 28px;
    margin-bottom: 20px;
    transition: transform .3s;
}

.category-card:hover .category-icon {
    transform: scale(1.05);
}

.category-card h3 {
    font-size: 20px;
    font-weight: 800;
    color: var(--dark);
    margin-bottom: 10px;
}

.category-card p {
    font-size: 14px;
    color: var(--gray-500);
    line-height: 1.7;
    flex: 1;
    margin-bottom: 20px;
}

.category-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    color: var(--primary);
    font-weight: 700;
    font-size: 14px;
    text-decoration: none;
    transition: gap .2s;
}

.category-card:hover .category-link {
    gap: 10px;
}

/* --- CTA Banner --- */
.cta-banner {
    background: var(--gradient-hero);
    border-radius: var(--radius-xl);
    padding: 52px 44px;
    text-align: center;
    margin: 52px 0;
    position: relative;
    overflow: hidden;
}

/* cta-banner circles removed */

.cta-banner h3 {
    font-size: 30px;
    font-weight: 800;
    color: var(--white);
    margin-bottom: 12px;
    position: relative;
    z-index: 1;
    letter-spacing: -0.3px;
}

.cta-banner p {
    font-size: 16px;
    color: rgba(255, 255, 255, .85);
    margin-bottom: 28px;
    position: relative;
    z-index: 1;
    max-width: 500px;
    margin-left: auto;
    margin-right: auto;
}

.cta-banner .btn {
    position: relative;
    z-index: 1;
    font-weight: 700;
    background: var(--white);
    color: var(--primary);
    box-shadow: 0 4px 20px rgba(0, 0, 0, .2);
    text-decoration: none;
}

.cta-banner .btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 28px rgba(0, 0, 0, .3);
    color: var(--primary-dark);
}

/* --- Steps Vertical --- */
.steps-vertical {
    margin: 32px 0;
    position: relative;
}

.steps-vertical::before {
    content: '';
    position: absolute;
    left: 23px;
    top: 0;
    bottom: 0;
    width: 3px;
    background: linear-gradient(180deg, var(--primary) 0%, rgba(0, 135, 90, .15) 100%);
    border-radius: 2px;
}

.step-v-item {
    display: flex;
    gap: 20px;
    padding: 20px 0;
    position: relative;
}

.step-v-number {
    width: 48px;
    height: 48px;
    background: var(--gradient-primary);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    font-weight: 800;
    flex-shrink: 0;
    z-index: 1;
    box-shadow: 0 4px 12px rgba(0, 135, 90, .25);
}

.step-v-content h4 {
    font-size: 18px;
    font-weight: 700;
    color: var(--dark);
    margin-bottom: 8px;
    margin-top: 10px;
}

.step-v-content p {
    font-size: 15px;
    color: var(--dark-500);
    line-height: 1.7;
    margin: 0;
}

/* --- Related Section --- */
.related-section {
    margin-top: 48px;
    padding: 36px;
    background: var(--gray-100);
    border-radius: var(--radius-lg);
}

.related-section h3 {
    font-size: 20px;
    font-weight: 800;
    color: var(--dark);
    margin-bottom: 6px;
}

.related-section > .container > p {
    font-size: 15px;
    color: var(--dark-500);
    margin-bottom: 24px;
}

.related-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 20px;
}

.related-link {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    gap: 8px;
    padding: 24px;
    background: var(--white);
    border-radius: var(--radius-md);
    border: 1px solid var(--gray-200);
    text-decoration: none;
    transition: all .3s;
}

.related-link:hover {
    border-color: var(--primary);
    box-shadow: 0 4px 16px rgba(0, 135, 90, .1);
    transform: translateY(-2px);
}

.related-link .related-icon {
    font-size: 28px;
    flex-shrink: 0;
    line-height: 1;
    margin-bottom: 4px;
}

.related-link h4 {
    font-size: 16px;
    font-weight: 700;
    color: var(--primary);
    line-height: 1.35;
    margin: 0;
}

.related-link p {
    font-size: 14px;
    color: var(--dark-500);
    line-height: 1.6;
    margin: 0;
    flex-grow: 1;
}

.related-link span {
    font-size: 14px;
    font-weight: 700;
    color: var(--dark);
    line-height: 1.4;
    margin-top: 4px;
}

.related-link:hover span {
    color: var(--primary);
}

/* --- Related Cards (Article Page Style) --- */
.related-card {
    background: var(--white);
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-lg);
    padding: 28px;
    transition: all .3s;
    display: flex;
    flex-direction: column;
    text-decoration: none;
}

.related-card:hover {
    border-color: var(--primary);
    box-shadow: 0 8px 24px rgba(0, 135, 90, .1);
    transform: translateY(-3px);
}

.related-card .related-icon {
    font-size: 32px;
    margin-bottom: 16px;
}

.related-card h4 {
    font-size: 17px;
    font-weight: 700;
    color: var(--dark);
    margin-bottom: 8px;
    line-height: 1.4;
}

.related-card p {
    font-size: 14px;
    color: var(--gray-500);
    line-height: 1.6;
    flex: 1;
    margin-bottom: 16px;
}

.related-card .related-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    color: var(--primary);
    font-weight: 700;
    font-size: 14px;
    padding: 0;
    border: none;
    background: none;
    box-shadow: none;
    transition: gap .2s;
}

.related-card:hover .related-link {
    gap: 10px;
    transform: none;
    box-shadow: none;
}

/* --- Disclosure Box --- */
.disclosure-box {
    background: var(--gray-100);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-md);
    padding: 24px 28px;
    margin: 40px 0;
    position: relative;
}

.disclosure-box::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    bottom: 0;
    width: 3px;
    background: var(--gray-300);
    border-radius: 2px 0 0 2px;
}

.disclosure-box h4 {
    font-size: 14px;
    font-weight: 700;
    color: var(--dark-500);
    margin-bottom: 8px;
}

.disclosure-box p {
    font-size: 13px;
    line-height: 1.7;
    color: var(--gray-500);
    margin: 0;
}

.disclosure-box strong {
    color: var(--dark-500);
}

/* ========================================
   Blog Section - Blog Index Page
   ======================================== */
.blog-section {
    padding: 64px 0 80px;
}

.blog-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(350px, 1fr));
    gap: 28px;
}

.blog-article-card {
    background: var(--white);
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-lg);
    overflow: hidden;
    transition: all .3s ease;
    display: flex;
    flex-direction: column;
    position: relative;
}

.blog-article-card:hover {
    border-color: var(--primary);
    box-shadow: 0 12px 40px rgba(0, 135, 90, .12);
    transform: translateY(-4px);
}

.blog-card-gradient {
    height: 6px;
    background: var(--gradient-primary);
    transition: height .3s;
}

.blog-article-card:hover .blog-card-gradient {
    height: 8px;
}

.blog-card-content {
    padding: 28px 28px 24px;
    display: flex;
    flex-direction: column;
    flex: 1;
}

.blog-card-tags {
    display: flex;
    gap: 8px;
    margin-bottom: 16px;
    flex-wrap: wrap;
}

.blog-tag {
    display: inline-flex;
    align-items: center;
    padding: 4px 12px;
    border-radius: 50px;
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .5px;
}

.tag-compare {
    background: #E3F2FD;
    color: #1565C0;
}

.tag-review {
    background: #FFF3E0;
    color: #E65100;
}

.tag-safety {
    background: #E8F5E9;
    color: #2E7D32;
}

.tag-guide {
    background: #F3E5F5;
    color: #7B1FA2;
}

.tag-tips {
    background: #E0F7FA;
    color: #00838F;
}

.tag-urgent {
    background: #FCE4EC;
    color: #C62828;
}

.blog-article-card h3 {
    font-size: 20px;
    font-weight: 800;
    color: var(--dark);
    margin-bottom: 12px;
    line-height: 1.35;
    letter-spacing: -0.2px;
}

.blog-article-card h3 a {
    color: inherit;
    text-decoration: none;
    transition: color .2s;
}

.blog-article-card h3 a:hover {
    color: var(--primary);
}

.blog-excerpt {
    font-size: 14px;
    color: var(--gray-500);
    line-height: 1.7;
    margin-bottom: 20px;
    flex: 1;
}

.blog-card-footer {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding-top: 16px;
    border-top: 1px solid var(--gray-100);
    font-size: 13px;
    color: var(--gray-400);
}

.read-more-link {
    color: var(--primary);
    font-weight: 700;
    text-decoration: none;
    font-size: 14px;
    transition: gap .2s, color .2s;
    display: inline-flex;
    align-items: center;
    gap: 4px;
}

.read-more-link:hover {
    color: var(--primary-dark);
    gap: 8px;
}

/* --- Blog Featured Card --- */
.blog-featured-card {
    background: var(--white);
    border: 2px solid var(--primary);
    border-radius: var(--radius-xl);
    overflow: hidden;
    position: relative;
    padding: 0;
    box-shadow: 0 8px 40px rgba(0, 135, 90, .1);
    transition: all .3s;
}

.blog-featured-card:hover {
    box-shadow: 0 12px 48px rgba(0, 135, 90, .15);
    transform: translateY(-3px);
}

.blog-featured-badge {
    position: absolute;
    top: 0;
    left: 32px;
    background: var(--gradient-accent);
    color: var(--white);
    padding: 8px 18px 10px;
    font-size: 12px;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: .5px;
    border-radius: 0 0 10px 10px;
    z-index: 2;
    box-shadow: 0 4px 12px rgba(255, 87, 34, .3);
}

.blog-featured-content {
    padding: 40px 36px 32px;
}

.blog-featured-card h2 {
    font-size: 28px;
    font-weight: 800;
    color: var(--dark);
    margin-bottom: 14px;
    line-height: 1.3;
    letter-spacing: -0.3px;
}

.blog-featured-card h2 a {
    color: inherit;
    text-decoration: none;
    transition: color .2s;
}

.blog-featured-card h2 a:hover {
    color: var(--primary);
}

.blog-featured-card .blog-excerpt {
    font-size: 15px;
    color: var(--gray-500);
    line-height: 1.75;
    margin-bottom: 20px;
    max-width: 700px;
}

.blog-featured-card .blog-card-footer {
    padding-top: 18px;
    border-top: 2px solid var(--gray-100);
}

.blog-featured-card .blog-card-tags {
    margin-bottom: 18px;
}

/* ========================================
   Guides Section - Guides Index Page
   ======================================== */
.guides-section {
    padding: 64px 0 80px;
}

.guides-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
    gap: 24px;
}

.guide-card {
    background: var(--white);
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-lg);
    padding: 36px 32px;
    transition: all .3s ease;
    display: flex;
    flex-direction: column;
    position: relative;
    overflow: hidden;
    text-decoration: none;
    color: inherit;
}

.guide-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: var(--gradient-primary);
    opacity: 0;
    transition: opacity .3s;
}

/* guide-card circle removed */

.guide-card:hover {
    border-color: var(--primary);
    box-shadow: 0 12px 40px rgba(0, 135, 90, .1);
    transform: translateY(-4px);
}

.guide-card:hover::before {
    opacity: 1;
}

/* guide-card circle hover removed */

.guide-card-icon {
    font-size: 36px;
    margin-bottom: 20px;
    width: 64px;
    height: 64px;
    background: var(--primary-light);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: transform .3s;
}

.guide-card:hover .guide-card-icon {
    transform: scale(1.05);
}

.guide-card h3 {
    font-size: 20px;
    font-weight: 800;
    color: var(--dark);
    margin-bottom: 12px;
    line-height: 1.35;
}

.guide-card p {
    font-size: 14px;
    color: var(--gray-500);
    line-height: 1.7;
    flex: 1;
    margin-bottom: 20px;
}

.guide-card-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    color: var(--primary);
    font-weight: 700;
    font-size: 14px;
    transition: gap .2s;
}

.guide-card:hover .guide-card-link {
    gap: 10px;
}

/* ========================================
   Calculator / Tool Pages
   ======================================== */
.calc-section {
    padding: 48px 0 64px;
    background: var(--white);
}

.calc-container {
    max-width: 680px;
    margin: 0 auto;
    background: var(--white);
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-xl);
    padding: 40px 40px 36px;
    box-shadow: var(--shadow-lg);
}

.calc-container h2 {
    font-size: 26px;
    font-weight: 800;
    color: var(--dark);
    margin-bottom: 32px;
    letter-spacing: -0.3px;
}

.calc-slider-group {
    margin-bottom: 28px;
}

.calc-slider-group label {
    display: block;
    font-size: 14px;
    font-weight: 700;
    color: var(--dark-500);
    margin-bottom: 6px;
}

.calc-display {
    font-size: 28px;
    font-weight: 800;
    color: var(--primary);
    margin-bottom: 12px;
    letter-spacing: -0.5px;
}

.range-labels {
    display: flex;
    justify-content: space-between;
    font-size: 12px;
    color: var(--gray-500);
    font-weight: 600;
    margin-top: 6px;
}

.calc-results {
    margin-top: 36px;
    padding-top: 32px;
    border-top: 2px solid var(--gray-100);
}

.calc-results h3 {
    font-size: 20px;
    font-weight: 800;
    color: var(--dark);
    margin-bottom: 20px;
}

.calc-results-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
}

.calc-result-item {
    background: var(--gray-100);
    border-radius: var(--radius-md);
    padding: 18px 20px;
}

.result-label {
    font-size: 12px;
    font-weight: 700;
    color: var(--gray-500);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    margin-bottom: 6px;
}

.result-value {
    font-size: 22px;
    font-weight: 800;
    color: var(--dark);
}

.result-value.highlight {
    color: var(--primary);
}

.amortization-wrapper {
    margin-top: 28px;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
}

.amortization-toggle {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 12px 24px;
    background: var(--white);
    color: var(--primary);
    border: 2px solid var(--primary);
    border-radius: var(--radius-sm);
    font-size: 14px;
    font-weight: 700;
    cursor: pointer;
    transition: all 0.2s;
}

.amortization-toggle:hover {
    background: var(--primary);
    color: var(--white);
}

.amortization-table {
    width: 100%;
    border-collapse: separate;
    border-spacing: 0;
    border-radius: var(--radius-md);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
    font-size: 13px;
}

.amortization-table thead th {
    background: linear-gradient(135deg, #0D1B2A 0%, #1A3A2E 100%);
    color: var(--white);
    padding: 12px 16px;
    font-weight: 700;
    font-size: 11px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    text-align: right;
}

.amortization-table thead th:first-child {
    text-align: center;
}

.amortization-table tbody td {
    padding: 10px 16px;
    border-bottom: 1px solid var(--gray-100);
    text-align: right;
    color: var(--dark-500);
    font-variant-numeric: tabular-nums;
}

.amortization-table tbody td:first-child {
    text-align: center;
    font-weight: 700;
    color: var(--dark);
}

.amortization-table tbody tr:hover {
    background: var(--primary-light);
}

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

/* --- Section Header (reusable) --- */
.section-header {
    text-align: center;
    margin-bottom: 36px;
}

.section-header h2 {
    font-size: 30px;
    font-weight: 800;
    color: var(--dark);
    margin-bottom: 12px;
    letter-spacing: -0.3px;
}

.section-header p {
    font-size: 16px;
    color: var(--gray-500);
    line-height: 1.7;
    max-width: 600px;
    margin: 0 auto;
}

/* --- Offers Recommended Section --- */
.offers-recommended {
    max-width: 800px;
    margin: 48px auto 0;
}

/* ========================================
   Lender Review Page Layout
   ======================================== */
.page-content {
    padding: 48px 0 64px;
}

.page-grid {
    display: grid;
    grid-template-columns: 1fr 340px;
    gap: 40px;
    align-items: start;
}

.page-main {
    min-width: 0;
}

.page-sidebar {
    position: sticky;
    top: 88px;
    display: flex;
    flex-direction: column;
    gap: 24px;
}

.content-section {
    margin-bottom: 40px;
}

.content-section h2 {
    font-size: 26px;
    font-weight: 800;
    color: var(--dark);
    margin-bottom: 16px;
    letter-spacing: -0.3px;
}

.content-section p {
    font-size: 15px;
    line-height: 1.8;
    color: var(--dark-500);
    margin-bottom: 14px;
}

.content-section ul,
.content-section ol {
    margin: 16px 0;
    padding: 0;
    list-style: none;
}

.content-section ul li,
.content-section ol li {
    font-size: 15px;
    line-height: 1.7;
    color: var(--dark-500);
    margin-bottom: 10px;
    padding: 12px 16px 12px 44px;
    position: relative;
    background: var(--gray-100);
    border-radius: var(--radius-sm);
    transition: background 0.2s;
}

.content-section ul li:hover {
    background: var(--primary-light);
}

.content-section ul li::before {
    content: '';
    position: absolute;
    left: 16px;
    top: 18px;
    width: 8px;
    height: 8px;
    background: var(--gradient-primary);
    border-radius: 50%;
}

.content-section a {
    color: var(--primary);
    text-decoration: none;
    font-weight: 700;
}

.content-section a:hover {
    color: var(--primary-dark);
}

.section-title {
    font-size: 28px;
    font-weight: 800;
    color: var(--dark);
    text-align: center;
    margin-bottom: 28px;
    letter-spacing: -0.3px;
}

/* --- Key Facts Card --- */
.key-facts-card {
    background: var(--white);
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-xl);
    overflow: hidden;
    margin-bottom: 40px;
    box-shadow: var(--shadow-md);
}

.key-facts-header {
    display: flex;
    align-items: center;
    gap: 16px;
    padding: 28px 32px;
    border-bottom: 1px solid var(--gray-100);
}

.key-facts-logo {
    height: 40px;
    width: auto;
    max-width: 120px;
    object-fit: contain;
    flex-shrink: 0;
}

.key-facts-title {
    flex: 1;
}

.key-facts-title h2 {
    font-size: 22px;
    font-weight: 800;
    color: var(--dark);
    margin: 0 0 4px;
}

.usp-badge {
    display: inline-block;
    font-size: 12px;
    font-weight: 700;
    color: var(--secondary-dark);
}

.key-facts-rating-badge {
    background: var(--accent-light);
    color: var(--accent);
    font-size: 20px;
    font-weight: 800;
    padding: 10px 18px;
    border-radius: var(--radius-md);
    text-align: center;
    flex-shrink: 0;
    line-height: 1.2;
}

.key-facts-rating-badge small {
    display: block;
    font-size: 10px;
    font-weight: 600;
    color: var(--gray-500);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    margin-top: 2px;
}

.key-facts-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0;
    padding: 0;
}

.key-fact-item {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 16px 24px;
    border-bottom: 1px solid var(--gray-100);
    border-right: 1px solid var(--gray-100);
}

.key-fact-item:nth-child(3n) {
    border-right: none;
}

.key-fact-item:nth-last-child(-n+3) {
    border-bottom: none;
}

.key-fact-icon {
    font-size: 20px;
    flex-shrink: 0;
}

.key-fact-content {
    display: flex;
    flex-direction: column;
    gap: 2px;
}

.key-fact-label {
    font-size: 11px;
    font-weight: 600;
    color: var(--gray-500);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.key-fact-value {
    font-size: 14px;
    font-weight: 700;
    color: var(--dark);
}

.key-facts-cta {
    padding: 20px 32px;
    background: var(--gray-100);
}

.key-facts-cta .btn {
    width: 100%;
    text-align: center;
    padding: 14px;
    font-size: 15px;
}

/* --- Pros/Cons Columns (lender review variant) --- */
.pros-column,
.cons-column {
    border-radius: var(--radius-lg);
    padding: 28px;
    position: relative;
}

.pros-column {
    background: linear-gradient(135deg, #E8F5E9 0%, #F1F8E9 100%);
    border: 1px solid #C8E6C9;
}

.cons-column {
    background: linear-gradient(135deg, #FFEBEE 0%, #FFF3E0 100%);
    border: 1px solid #FFCDD2;
}

.pros-column h3,
.cons-column h3 {
    font-size: 16px;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    margin-bottom: 16px;
    display: flex;
    align-items: center;
    gap: 8px;
}

.pros-column h3 { color: #2E7D32; }
.cons-column h3 { color: #C62828; }

.pro-icon,
.con-icon {
    width: 24px;
    height: 24px;
    border-radius: 50%;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 14px;
    font-weight: 800;
}

.pro-icon {
    background: rgba(46, 125, 50, 0.15);
    color: #2E7D32;
}

.con-icon {
    background: rgba(198, 40, 40, 0.15);
    color: #C62828;
}

.pros-list,
.cons-list {
    list-style: none;
    padding: 0;
    margin: 0;
}

.pros-list li,
.cons-list li {
    font-size: 14px;
    line-height: 1.6;
    margin-bottom: 10px;
    padding-left: 26px;
    position: relative;
    color: var(--dark-500);
}

.pros-list li:last-child,
.cons-list li:last-child {
    margin-bottom: 0;
}

.pros-list li::before {
    content: '\2713';
    position: absolute;
    left: 0;
    top: 0;
    color: #2E7D32;
    font-weight: 700;
    width: 18px;
    height: 18px;
    background: rgba(46, 125, 50, 0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 10px;
}

.cons-list li::before {
    content: '\2715';
    position: absolute;
    left: 0;
    top: 0;
    color: #C62828;
    font-weight: 700;
    width: 18px;
    height: 18px;
    background: rgba(198, 40, 40, 0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 10px;
}

/* --- Steps Vertical (lender variant) --- */
.step-vertical-item {
    display: flex;
    flex-wrap: wrap;
    gap: 16px;
    padding: 20px 0;
    position: relative;
    padding-left: 64px;
}

.step-vertical-number {
    position: absolute;
    left: 0;
    width: 44px;
    height: 44px;
    background: var(--gradient-primary);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    font-weight: 800;
    box-shadow: 0 4px 12px rgba(0, 135, 90, 0.25);
}

.step-vertical-item h4 {
    font-size: 17px;
    font-weight: 700;
    color: var(--dark);
    margin: 8px 0 6px;
    width: 100%;
}

.step-vertical-item p {
    font-size: 14px;
    color: var(--dark-500);
    line-height: 1.7;
    margin: 0;
    width: 100%;
}

/* --- Lender Disclosure --- */
.lender-disclosure {
    background: var(--gray-100);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-md);
    padding: 20px 24px;
    margin-top: 32px;
}

.lender-disclosure p {
    font-size: 12px;
    line-height: 1.7;
    color: var(--gray-500);
    margin: 0;
}

.lender-disclosure strong {
    color: var(--dark-500);
}

/* --- Sidebar: Rating Card --- */
.rating-card {
    background: var(--white);
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-lg);
    padding: 28px;
    box-shadow: var(--shadow-sm);
}

.rating-card h3 {
    font-size: 16px;
    font-weight: 800;
    color: var(--dark);
    margin-bottom: 20px;
}

.rating-overall {
    text-align: center;
    margin-bottom: 24px;
    padding-bottom: 20px;
    border-bottom: 1px solid var(--gray-100);
}

.rating-number {
    font-size: 48px;
    font-weight: 800;
    color: var(--primary);
    line-height: 1;
}

.rating-stars {
    font-size: 18px;
    margin: 6px 0 4px;
}

.rating-label {
    font-size: 13px;
    color: var(--gray-500);
    font-weight: 500;
}

.rating-bar-list {
    display: flex;
    flex-direction: column;
    gap: 14px;
}

.rating-bar-item {
    display: grid;
    grid-template-columns: 80px 1fr 32px;
    align-items: center;
    gap: 10px;
}

.rating-bar-label {
    font-size: 13px;
    font-weight: 600;
    color: var(--dark-500);
}

.rating-bar-track {
    height: 8px;
    background: var(--gray-100);
    border-radius: 4px;
    overflow: hidden;
}

.rating-bar-fill {
    height: 100%;
    background: var(--gradient-primary);
    border-radius: 4px;
    transition: width 0.6s ease;
}

.rating-bar-value {
    font-size: 13px;
    font-weight: 800;
    color: var(--dark);
    text-align: right;
}

/* --- Sidebar: CTA Widget --- */
.sidebar-cta {
    background: linear-gradient(135deg, #0D1B2A 0%, #1A3A2E 100%);
    border-radius: var(--radius-lg);
    padding: 28px;
    text-align: center;
}

.sidebar-cta h3 {
    font-size: 18px;
    font-weight: 800;
    color: var(--white);
    margin-bottom: 8px;
}

.sidebar-cta p {
    font-size: 13px;
    color: rgba(255, 255, 255, 0.8);
    line-height: 1.6;
    margin-bottom: 18px;
}

.sidebar-cta .btn {
    width: 100%;
    text-align: center;
}

/* --- Sidebar: Widget --- */
.sidebar-widget {
    background: var(--white);
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-lg);
    padding: 24px;
}

.sidebar-widget h3 {
    font-size: 16px;
    font-weight: 800;
    color: var(--dark);
    margin-bottom: 16px;
}

.related-lender-item {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 12px 0;
    border-bottom: 1px solid var(--gray-100);
}

.related-lender-item:last-child {
    border-bottom: none;
    padding-bottom: 0;
}

.related-lender-item:first-child {
    padding-top: 0;
}

.related-lender-item img {
    width: 36px;
    height: 36px;
    object-fit: contain;
    flex-shrink: 0;
}

.related-lender-info {
    flex: 1;
    min-width: 0;
}

.related-lender-name {
    font-size: 14px;
    font-weight: 700;
    color: var(--dark);
}

.related-lender-rating {
    font-size: 12px;
    color: var(--gray-500);
}

.related-lender-link {
    font-size: 12px;
    font-weight: 700;
    color: var(--primary);
    text-decoration: none;
    white-space: nowrap;
}

.related-lender-link:hover {
    color: var(--primary-dark);
}

/* --- Table helper classes --- */
.text-success { color: #00875A; }
.text-success-bold { color: #00875A; font-weight: 600; }

/* ========================================
   Blog Featured Card - Responsive
   ======================================== */
@media (max-width: 768px) {
    .blog-featured-content {
        padding: 32px 24px 24px;
    }

    .blog-featured-card h2 {
        font-size: 22px;
    }
}

/* ========================================
   Responsive - Tablet
   ======================================== */
@media (max-width: 768px) {
    .page-hero {
        padding: 36px 0 28px;
        margin-top: 64px;
    }

    .breadcrumb {
        margin-top: 64px;
    }

    .breadcrumb + .page-hero {
        margin-top: 0;
    }

    .page-hero h1 {
        font-size: 26px;
    }

    .page-hero .hero-desc,
    .page-hero .page-hero-description {
        font-size: 15px;
    }

    .page-hero .hero-badge,
    .page-hero .page-hero-badge {
        font-size: 12px;
        padding: 6px 14px;
    }

    .article-section,
    .article-faq,
    .related-content {
        padding: 36px 0;
    }

    .blog-section,
    .guides-section {
        padding: 40px 0 60px;
    }

    .tldr-box {
        padding: 22px 24px;
    }

    .tldr-box ul {
        grid-template-columns: 1fr;
    }

    .article-body h2 {
        font-size: 24px;
        margin: 40px 0 16px;
    }

    .article-body h3 {
        font-size: 19px;
    }

    .pros-cons-grid {
        grid-template-columns: 1fr;
    }

    .lender-offer-card {
        margin-bottom: 16px;
    }

    .lender-offer-card:hover {
        transform: none;
    }

    .card-ribbon {
        right: 16px;
        padding: 6px 12px 8px;
        font-size: 10px;
    }

    .card-top {
        padding: 20px 20px 0;
        gap: 12px;
    }

    .card-top-left {
        gap: 12px;
    }

    .card-logo {
        width: 110px;
        height: 56px;
        max-width: none;
        padding: 8px 10px;
    }
    .card-top-left .table-lender-avatar {
        width: 110px;
        height: 56px;
        font-size: 24px;
    }

    .card-rank {
        width: 36px;
        height: 36px;
        font-size: 15px;
    }

    .card-name {
        font-size: 17px;
    }

    .card-usp {
        font-size: 12px;
    }

    .card-rating {
        font-size: 13px;
        padding: 4px 10px;
    }

    .card-stats {
        grid-template-columns: repeat(2, 1fr);
        gap: 0;
        padding: 16px 20px;
    }

    .card-stat {
        border-right: none;
        padding: 10px 0;
        border-bottom: 1px solid var(--gray-100);
    }

    .card-stat:nth-last-child(-n+2) {
        border-bottom: none;
    }

    .card-stat-label {
        font-size: 10px;
    }

    .card-stat-value {
        font-size: 14px;
    }

    .card-bottom {
        flex-direction: column;
        align-items: stretch;
        padding: 14px 20px;
        gap: 12px;
    }

    .card-badge-row {
        justify-content: center;
        font-size: 11px;
    }

    .card-cta {
        justify-content: center;
        padding: 12px 24px;
        font-size: 14px;
        border-radius: var(--radius-md);
    }

    .blog-grid {
        grid-template-columns: 1fr;
    }

    .guides-grid {
        grid-template-columns: 1fr;
    }

    .category-grid {
        grid-template-columns: 1fr;
    }

    .related-grid {
        grid-template-columns: 1fr;
    }

    .cta-banner {
        padding: 28px 20px;
        border-radius: var(--radius-lg);
        margin: 32px 0;
    }

    .cta-banner h3 {
        font-size: 22px;
    }

    .comparison-table {
        font-size: 13px;
    }

    .table-lender img {
        width: 70px;
    }

    .article-step {
        gap: 16px;
    }

    .step-num,
    .article-step .step-num {
        width: 40px;
        height: 40px;
        font-size: 16px;
    }

    .article-steps::before {
        left: 19px;
    }

    .step-v-item {
        gap: 14px;
    }

    .step-v-number {
        width: 40px;
        height: 40px;
        font-size: 16px;
    }

    .steps-vertical::before {
        left: 19px;
    }

    .article-meta-bar,
    .article-meta {
        flex-direction: column;
        gap: 12px;
        align-items: flex-start;
    }

    .meta-divider {
        display: none;
    }

    .blog-card-content {
        padding: 22px 22px 20px;
    }

    /* Overflow fix for page content */
    .page-main {
        overflow-x: hidden;
    }

    .content-section {
        overflow-x: auto;
    }

    /* Comparison table mobile */
    .comparison-table-wrapper,
    .comparison-wrapper,
    .table-responsive {
        margin: 24px 0;
        border-radius: var(--radius-md);
        box-shadow: var(--shadow-sm);
    }

    .comparison-table {
        min-width: 600px;
        font-size: 13px;
    }

    .comparison-table thead th {
        padding: 12px 14px;
        font-size: 10px;
    }

    .comparison-table tbody td {
        padding: 14px;
    }

    .table-lender img {
        width: 60px;
        height: 24px;
    }

    /* Lender review mobile */
    .page-grid {
        grid-template-columns: 1fr;
        gap: 32px;
    }

    .page-sidebar {
        position: static;
    }

    .key-facts-header {
        flex-wrap: wrap;
        padding: 20px 20px;
        gap: 12px;
    }

    .key-facts-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .key-fact-item {
        padding: 12px 16px;
    }

    .key-facts-cta {
        padding: 16px 20px;
    }

    .content-section h2 {
        font-size: 22px;
    }

    .step-vertical-item {
        padding-left: 56px;
    }

    .step-vertical-number {
        width: 38px;
        height: 38px;
        font-size: 16px;
    }

    .rating-bar-item {
        grid-template-columns: 70px 1fr 28px;
        gap: 8px;
    }

    /* Calculator mobile */
    .calc-container {
        padding: 28px 20px 24px;
        border-radius: var(--radius-lg);
    }

    .calc-container h2 {
        font-size: 22px;
        margin-bottom: 24px;
    }

    .calc-display {
        font-size: 24px;
    }

    .calc-results-grid {
        grid-template-columns: 1fr 1fr;
        gap: 12px;
    }

    .result-value {
        font-size: 18px;
    }

    .amortization-table {
        font-size: 12px;
    }

    .amortization-table thead th,
    .amortization-table tbody td {
        padding: 8px 10px;
    }
}

/* ========================================
   Responsive - Mobile
   ======================================== */
@media (max-width: 480px) {
    .page-hero h1 {
        font-size: 22px;
    }

    .page-hero .hero-desc,
    .page-hero .page-hero-description {
        font-size: 14px;
    }

    .article-body h2 {
        font-size: 20px;
        margin: 32px 0 14px;
    }

    .article-body h3 {
        font-size: 17px;
    }

    .article-body p,
    .article-body ul li,
    .article-body ol li {
        font-size: 14px;
    }

    .tldr-box {
        padding: 18px 16px;
    }

    .tldr-box h3 {
        font-size: 14px;
    }

    .card-top {
        flex-direction: column;
        align-items: flex-start;
        padding: 18px 16px 0;
    }

    .card-stats {
        padding: 14px 16px;
    }

    .card-bottom {
        padding: 12px 16px;
    }

    .card-cta {
        padding: 13px 20px;
        font-size: 15px;
    }

    .blog-article-card h3 {
        font-size: 17px;
    }

    .blog-excerpt {
        font-size: 13px;
    }

    .blog-card-content {
        padding: 18px 16px 16px;
    }

    .guide-card {
        padding: 24px 20px;
    }

    .guide-card h3 {
        font-size: 17px;
    }

    .guide-card-icon {
        width: 48px;
        height: 48px;
        font-size: 24px;
    }

    .callout-box,
    .callout {
        padding: 16px 14px;
    }

    .cta-banner {
        padding: 28px 18px;
        border-radius: 14px;
    }

    .cta-banner h3 {
        font-size: 20px;
    }

    .cta-banner p {
        font-size: 14px;
    }

    .pros-card,
    .cons-card {
        padding: 22px 18px;
    }

    .disclosure-box {
        padding: 18px 16px;
        font-size: 12px;
    }

    .related-link {
        padding: 12px 14px;
    }

    .related-card {
        padding: 20px 18px;
    }

    .section-header h2 {
        font-size: 22px;
    }

    .section-header p {
        font-size: 14px;
    }

    .blog-featured-content {
        padding: 28px 18px 22px;
    }

    .blog-featured-card h2 {
        font-size: 19px;
    }

    /* Lender review small mobile */
    .key-facts-grid {
        grid-template-columns: 1fr;
    }

    .key-fact-item {
        border-right: none;
    }

    .key-facts-header {
        padding: 16px;
    }

    .key-facts-title h2 {
        font-size: 18px;
    }

    .key-facts-rating-badge {
        font-size: 18px;
        padding: 8px 14px;
    }

    .content-section h2 {
        font-size: 20px;
    }

    .pros-column,
    .cons-column {
        padding: 20px 16px;
    }

    .rating-card,
    .sidebar-widget {
        padding: 20px;
    }

    .sidebar-cta {
        padding: 24px 20px;
    }

    /* Calculator small mobile */
    .calc-section {
        padding: 32px 0 48px;
    }

    .calc-container {
        padding: 24px 16px 20px;
    }

    .calc-container h2 {
        font-size: 20px;
        margin-bottom: 20px;
    }

    .calc-display {
        font-size: 22px;
    }

    .calc-slider-group {
        margin-bottom: 22px;
    }

    .calc-results-grid {
        grid-template-columns: 1fr 1fr;
        gap: 10px;
    }

    .calc-result-item {
        padding: 14px 16px;
    }

    .result-value {
        font-size: 20px;
    }

    .amortization-toggle {
        width: 100%;
        justify-content: center;
        padding: 14px;
    }
}