/* ========================================
   Prestamo247 MX - Styles
   ======================================== */

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

:root {
    --primary: #00875A;
    --primary-dark: #006B47;
    --primary-light: #E6F7F0;
    --secondary: #FFB800;
    --secondary-dark: #E5A600;
    --accent: #FF5722;
    --accent-light: #FFF3E0;
    --dark: #0D1B2A;
    --dark-700: #1B2838;
    --dark-500: #3A4F65;
    --gray-100: #F6F8FA;
    --gray-200: #E8ECF1;
    --gray-300: #D1D8E0;
    --gray-400: #A0AEC0;
    --gray-500: #718096;
    --white: #FFFFFF;
    --gradient-primary: linear-gradient(135deg, #00875A 0%, #00B377 100%);
    --gradient-hero: linear-gradient(135deg, #0D1B2A 0%, #1A3A2E 50%, #00875A 100%);
    --gradient-accent: linear-gradient(135deg, #FFB800 0%, #FFD54F 100%);
    --gradient-gold: linear-gradient(135deg, #FFB800 0%, #FFC107 50%, #FFD54F 100%);
    --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
    --shadow-md: 0 4px 16px rgba(0,0,0,0.1);
    --shadow-lg: 0 8px 32px rgba(0,0,0,0.12);
    --shadow-xl: 0 16px 48px rgba(0,0,0,0.16);
    --radius-sm: 8px;
    --radius-md: 12px;
    --radius-lg: 16px;
    --radius-xl: 24px;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: 'DM Sans', -apple-system, BlinkMacSystemFont, sans-serif;
    color: var(--dark);
    background: var(--white);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
    overflow-x: hidden;
    -webkit-text-size-adjust: 100%;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

a {
    text-decoration: none;
    color: var(--primary);
}

a.btn,
a.card-cta,
a.offer-cta,
a.lender-cta,
a.table-cta,
a.table-cta-btn {
    color: var(--white);
}

a.btn-gold {
    color: #1a1a1a;
}

.cta-section a.btn,
.cta-banner a.btn {
    color: var(--primary);
}

img {
    max-width: 100%;
}

/* --- Buttons --- */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 14px 28px;
    border-radius: var(--radius-sm);
    font-weight: 600;
    font-size: 16px;
    cursor: pointer;
    transition: all 0.3s ease;
    border: none;
    font-family: inherit;
    gap: 8px;
}

.btn-primary {
    background: var(--gradient-primary);
    color: var(--white);
    box-shadow: 0 4px 16px rgba(0, 135, 90, 0.3);
}

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 24px rgba(0, 135, 90, 0.4);
}

.btn-gold {
    background: var(--gradient-gold);
    color: #1a1a1a;
    box-shadow: 0 4px 16px rgba(255, 184, 0, 0.3);
    font-weight: 700;
    text-shadow: none;
}

.btn-gold:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 24px rgba(255, 184, 0, 0.4);
    color: #1a1a1a;
}

.btn-full {
    width: 100%;
}

.btn-large {
    padding: 18px 40px;
    font-size: 18px;
    border-radius: var(--radius-md);
}

.btn-header {
    padding: 10px 24px;
    font-size: 14px;
}

/* --- Header --- */
.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--gray-200);
    transition: all 0.3s ease;
}

.header.scrolled {
    box-shadow: var(--shadow-md);
}

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

.logo {
    display: flex;
    align-items: center;
    gap: 8px;
    text-decoration: none;
}

.logo-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 34px;
    height: 34px;
    flex-shrink: 0;
}

.logo-icon svg {
    width: 100%;
    height: 100%;
}

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

.logo-accent {
    color: var(--primary);
}

.logo-247 {
    color: var(--secondary);
    font-weight: 900;
}

/* Footer logo: lighter on dark background */
.footer .logo-text {
    color: var(--white);
}

.footer .logo-accent {
    color: var(--white);
}

.footer .logo-247 {
    color: var(--secondary);
}

.nav {
    display: flex;
    align-items: center;
    gap: 28px;
}

.nav > a,
.nav-link {
    color: var(--dark-500);
    font-weight: 500;
    font-size: 15px;
    transition: color 0.2s;
    text-decoration: none;
}

.nav > a:hover,
.nav-link:hover {
    color: var(--primary);
}

/* Nav Dropdown */
.nav-dropdown {
    position: relative;
}

.nav-link {
    display: flex;
    align-items: center;
    gap: 4px;
    cursor: pointer;
}

.nav-link svg {
    transition: transform 0.2s;
    pointer-events: none;
}

.nav-dropdown:hover .nav-link svg,
.nav-dropdown.open .nav-link svg {
    transform: rotate(180deg);
}

.nav-dropdown-menu {
    display: none;
    position: absolute;
    top: 100%;
    left: -12px;
    padding-top: 10px;
    z-index: 100;
}

.nav-dropdown:hover .nav-dropdown-menu {
    display: block;
}

.nav-dropdown-menu::before {
    content: '';
    position: absolute;
    top: 10px;
    left: 24px;
    width: 12px;
    height: 12px;
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-right: none;
    border-bottom: none;
    transform: rotate(45deg);
    z-index: 1;
}

.nav-dropdown-menu a {
    display: block;
    position: relative;
    background: var(--white);
    padding: 10px 20px;
    font-size: 14px;
    font-weight: 500;
    color: var(--dark-500);
    white-space: nowrap;
    border: 1px solid var(--gray-200);
    border-top: none;
    text-decoration: none;
    transition: all 0.15s;
    min-width: 220px;
}

.nav-dropdown-menu a:first-child {
    border-top: 1px solid var(--gray-200);
    border-radius: 8px 8px 0 0;
    padding-top: 12px;
}

.nav-dropdown-menu a:last-child {
    border-radius: 0 0 8px 8px;
    padding-bottom: 12px;
}

.nav-dropdown-menu a:hover {
    background: var(--primary-light);
    color: var(--primary);
}

/* Mega Menu */
.nav-mega-menu {
    display: none;
    position: absolute;
    top: 100%;
    left: -12px;
    padding-top: 10px;
    z-index: 100;
}

.nav-dropdown:hover .nav-mega-menu {
    display: block;
}

.nav-mega-menu::before {
    content: '';
    position: absolute;
    top: 10px;
    left: 24px;
    width: 12px;
    height: 12px;
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-right: none;
    border-bottom: none;
    transform: rotate(45deg);
    z-index: 1;
}

.nav-mega-inner {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: 10px;
    box-shadow: var(--shadow-lg);
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0;
    min-width: 540px;
    padding: 8px 0;
    position: relative;
}

.nav-mega-col {
    padding: 12px 20px;
}

.nav-mega-col:not(:last-child) {
    border-right: 1px solid var(--gray-100);
}

.nav-mega-col h5 {
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    color: var(--gray-400);
    margin-bottom: 8px;
    padding: 0 8px;
}

.nav-mega-col a {
    display: block;
    padding: 6px 8px;
    font-size: 14px;
    font-weight: 500;
    color: var(--dark-500);
    text-decoration: none;
    border-radius: 6px;
    transition: all 0.15s;
    white-space: nowrap;
}

.nav-mega-col a:hover {
    background: var(--primary-light);
    color: var(--primary);
}

.nav-mega-footer {
    grid-column: 1 / -1;
    border-top: 1px solid var(--gray-100);
    padding: 10px 20px 4px;
    text-align: center;
}

.nav-mega-footer a {
    display: inline-block;
    font-size: 13px;
    font-weight: 600;
    color: var(--primary);
    text-decoration: none;
    padding: 4px 8px;
    border-radius: 6px;
    transition: all 0.15s;
}

.nav-mega-footer a:hover {
    background: var(--primary-light);
}

.nav-mobile-cta { display: none; }

.mobile-menu-btn {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 4px;
}

.mobile-menu-btn span {
    width: 24px;
    height: 2px;
    background: var(--dark);
    border-radius: 2px;
    transition: all 0.3s ease;
}

.mobile-menu-btn.active span:nth-child(1) {
    transform: rotate(45deg) translate(5px, 5px);
}

.mobile-menu-btn.active span:nth-child(2) {
    opacity: 0;
}

.mobile-menu-btn.active span:nth-child(3) {
    transform: rotate(-45deg) translate(5px, -5px);
}

/* --- Hero --- */
.hero {
    padding: 120px 0 80px;
    background: var(--gradient-hero);
    position: relative;
    overflow: hidden;
}

.hero.hidden {
    display: none;
}

/* hero decorative circles removed */

.hero-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 1;
}

.hero-content {
    color: var(--white);
}

.hero-badge {
    display: inline-block;
    background: rgba(255, 184, 0, 0.15);
    backdrop-filter: blur(8px);
    border: 1px solid rgba(255, 184, 0, 0.3);
    padding: 8px 20px;
    border-radius: 50px;
    font-size: 14px;
    font-weight: 600;
    margin-bottom: 24px;
    color: var(--secondary);
}

.hero-content h1 {
    font-size: 48px;
    font-weight: 800;
    line-height: 1.15;
    margin-bottom: 20px;
}

.text-gradient {
    background: linear-gradient(135deg, #FFB800 0%, #FFD54F 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.hero-subtitle {
    font-size: 18px;
    line-height: 1.7;
    color: rgba(255, 255, 255, 0.8);
    margin-bottom: 36px;
}

.hero-stats {
    display: flex;
    gap: 40px;
}

.stat {
    display: flex;
    flex-direction: column;
}

.stat-number {
    font-size: 28px;
    font-weight: 800;
    color: var(--secondary);
}

.stat-label {
    font-size: 14px;
    color: rgba(255, 255, 255, 0.6);
    margin-top: 2px;
}

.hero-trust-icons {
    display: flex;
    gap: 12px;
    margin-top: 28px;
    flex-wrap: wrap;
}

.hero-trust-item {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 6px 14px;
    border-radius: 8px;
    font-size: 12px;
    font-weight: 600;
    color: rgba(255, 255, 255, 0.85);
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.12);
    letter-spacing: 0.3px;
}

/* --- Form Card --- */
.hero-form-wrapper {
    position: relative;
    z-index: 2;
}

.form-card {
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: 36px;
    box-shadow: var(--shadow-xl);
}

.form-header {
    text-align: center;
    margin-bottom: 28px;
}

.form-header h2 {
    font-size: 24px;
    font-weight: 700;
    color: var(--dark);
    margin-bottom: 4px;
}

.form-header p {
    color: var(--gray-500);
    font-size: 14px;
}

.form-group {
    margin-bottom: 20px;
}

.form-group label {
    display: block;
    font-weight: 600;
    font-size: 14px;
    color: var(--dark-700);
    margin-bottom: 8px;
}

.form-group input[type="text"],
.form-group input[type="email"],
.form-group input[type="tel"],
.form-group select {
    width: 100%;
    padding: 12px 16px;
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-sm);
    font-size: 16px;
    font-family: inherit;
    color: var(--dark);
    transition: border-color 0.2s, box-shadow 0.2s;
    background: var(--white);
}

.form-group input:focus,
.form-group select:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(0, 135, 90, 0.1);
}

.form-group input::placeholder {
    color: var(--gray-400);
}

/* Range Slider */
.amount-display,
.term-display {
    text-align: center;
    font-size: 28px;
    font-weight: 800;
    color: var(--primary);
    margin-bottom: 12px;
}

.range-slider {
    width: 100%;
    height: 8px;
    -webkit-appearance: none;
    appearance: none;
    background: var(--gray-200);
    border-radius: 4px;
    outline: none;
    cursor: pointer;
}

.range-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: var(--primary);
    cursor: pointer;
    box-shadow: 0 2px 8px rgba(0, 135, 90, 0.3);
    transition: transform 0.2s;
}

.range-slider::-webkit-slider-thumb:hover {
    transform: scale(1.15);
}

.range-slider::-moz-range-thumb {
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: var(--primary);
    cursor: pointer;
    border: none;
    box-shadow: 0 2px 8px rgba(0, 135, 90, 0.3);
}

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

/* Checkbox */
.checkbox-group {
    margin-bottom: 12px;
}

.checkbox-label {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    cursor: pointer;
    font-size: 13px;
    color: var(--gray-500);
    line-height: 1.5;
}

.checkbox-label input[type="checkbox"] {
    width: 18px;
    height: 18px;
    accent-color: var(--primary);
    margin-top: 2px;
    flex-shrink: 0;
}

.checkbox-label a {
    color: var(--primary);
    text-decoration: underline;
}

.hero-calc-summary {
    background: var(--gray-100);
    border-radius: 12px;
    padding: 16px;
    margin-top: 20px;
}

.hero-calc-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 6px 0;
    font-size: 14px;
    color: var(--gray-700);
}

.hero-calc-row + .hero-calc-row {
    border-top: 1px solid var(--gray-200);
}

.hero-calc-val {
    font-weight: 700;
    color: var(--gray-900);
}

.hero-calc-total {
    font-size: 18px;
    color: var(--primary);
}

.hero-calc-note {
    font-size: 11px;
    color: var(--gray-400);
    margin-top: 8px;
    text-align: center;
}

.form-security {
    text-align: center;
    font-size: 13px;
    color: var(--gray-500);
    margin-top: 16px;
}

/* --- Loading Screen --- */
.loading-screen {
    display: none;
    padding: 120px 0 80px;
    min-height: 100vh;
    background: var(--gray-100);
    align-items: center;
    justify-content: center;
}

.loading-screen.active {
    display: flex;
}

.loading-card {
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: 60px 48px;
    max-width: 520px;
    margin: 0 auto;
    text-align: center;
    box-shadow: var(--shadow-lg);
}

.loading-icon {
    margin-bottom: 32px;
}

.spinner {
    width: 64px;
    height: 64px;
    border: 4px solid var(--gray-200);
    border-top-color: var(--primary);
    border-radius: 50%;
    animation: spin 1s linear infinite;
    margin: 0 auto;
}

@keyframes spin {
    to { transform: rotate(360deg); }
}

.loading-card h2 {
    font-size: 24px;
    font-weight: 700;
    color: var(--dark);
    margin-bottom: 8px;
}

.loading-card p {
    color: var(--gray-500);
    margin-bottom: 32px;
}

.progress-bar-container {
    width: 100%;
    height: 8px;
    background: var(--gray-200);
    border-radius: 4px;
    overflow: hidden;
    margin-bottom: 12px;
}

.progress-bar {
    height: 100%;
    background: var(--gradient-primary);
    border-radius: 4px;
    width: 0%;
    transition: width 0.5s ease;
}

.progress-percent {
    font-size: 14px;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 32px;
}

.loading-steps {
    display: flex;
    flex-direction: column;
    gap: 16px;
    text-align: left;
}

.loading-step {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 12px 16px;
    border-radius: var(--radius-sm);
    background: var(--gray-100);
    font-size: 15px;
    color: var(--gray-400);
    transition: all 0.4s ease;
}

.loading-step.active {
    background: var(--primary-light);
    color: var(--primary);
    font-weight: 600;
}

.loading-step.completed {
    background: #E8F5E9;
    color: var(--primary-dark);
    font-weight: 500;
}

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

/* --- Offers Section --- */
.offers-section {
    display: none;
    padding: 120px 0 80px;
    background: var(--gray-100);
}

.offers-section.active {
    display: block;
}

.offers-header {
    text-align: center;
    margin-bottom: 48px;
}

.offers-badge {
    display: inline-block;
    background: #E8F5E9;
    color: var(--primary-dark);
    padding: 8px 24px;
    border-radius: 50px;
    font-size: 16px;
    font-weight: 600;
    margin-bottom: 16px;
}

.offers-header h2 {
    font-size: 36px;
    font-weight: 800;
    color: var(--dark);
    margin-bottom: 8px;
}

.offers-header p {
    color: var(--gray-500);
    font-size: 16px;
}

.offers-grid {
    display: flex;
    flex-direction: column;
    gap: 20px;
    max-width: 800px;
    margin: 0 auto;
}

.offer-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 0;
    overflow: hidden;
    border: 2px solid var(--gray-200);
    transition: all 0.3s ease;
    animation: fadeInUp 0.5s ease forwards;
    opacity: 0;
    position: relative;
}

.offer-card:hover {
    border-color: var(--primary);
    box-shadow: var(--shadow-lg);
    transform: translateY(-2px);
}

.offer-card.featured {
    border-color: var(--secondary);
    box-shadow: 0 4px 20px rgba(255, 184, 0, 0.15);
}

.offer-card-ribbon {
    position: absolute;
    top: 0;
    right: 20px;
    background: var(--gradient-gold);
    color: var(--dark);
    padding: 5px 14px 7px;
    font-size: 11px;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.4px;
    border-radius: 0 0 8px 8px;
    z-index: 2;
}

@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(20px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.offer-header-row {
    display: flex;
    align-items: center;
    gap: 16px;
    padding: 24px 28px 0;
}

.offer-logo {
    max-width: 100%;
    max-height: 100%;
    width: auto;
    height: auto;
    object-fit: contain;
}

.offer-name-group {
    flex: 1;
}

.offer-name {
    font-size: 20px;
    font-weight: 800;
    color: var(--dark);
    line-height: 1.2;
}

.offer-rating {
    font-size: 14px;
    font-weight: 700;
    color: var(--secondary-dark);
    flex-shrink: 0;
}

.offer-usp {
    font-size: 13px;
    font-weight: 600;
    color: var(--primary);
    margin: 0;
    display: block;
}

.offer-stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0;
    padding: 20px 28px;
}

.offer-stat {
    display: flex;
    flex-direction: column;
    gap: 3px;
    padding: 0 16px;
    border-right: 1px solid var(--gray-200);
}

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

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

.offer-stat-label {
    font-size: 11px;
    font-weight: 600;
    color: var(--gray-500);
    text-transform: uppercase;
    letter-spacing: 0.4px;
}

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

.offer-card-bottom {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 16px 28px;
    background: var(--gray-100);
    border-top: 1px solid var(--gray-200);
    gap: 16px;
}

.offer-card.featured .offer-card-bottom {
    background: #FFFDE7;
}

.offer-badges {
    display: flex;
    align-items: center;
    gap: 14px;
    font-size: 12px;
    color: var(--gray-500);
    flex-wrap: wrap;
}

.offer-badge-item {
    display: flex;
    align-items: center;
    gap: 4px;
    font-weight: 500;
}

a.offer-cta,
a.offer-cta:link,
a.offer-cta:visited,
.offer-cta {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 12px 28px;
    background: var(--gradient-primary);
    color: #fff;
    border-radius: var(--radius-sm);
    font-weight: 700;
    font-size: 15px;
    text-decoration: none;
    transition: all 0.3s;
    white-space: nowrap;
    box-shadow: 0 4px 12px rgba(0, 135, 90, 0.25);
}

a.offer-cta:hover,
.offer-cta:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(0, 135, 90, 0.4);
    color: #fff;
}

/* --- Section Styles --- */
.section-header {
    text-align: center;
    margin-bottom: 56px;
}

.section-header h2 {
    font-size: 36px;
    font-weight: 800;
    color: var(--dark);
    margin-bottom: 12px;
}

.section-header p {
    font-size: 18px;
    color: var(--gray-500);
    max-width: 600px;
    margin: 0 auto;
}

/* --- How It Works --- */
.how-it-works {
    padding: 100px 0;
    background: var(--white);
}

.steps-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 40px;
}

.step-card {
    text-align: center;
    padding: 40px 28px;
    border-radius: var(--radius-lg);
    background: var(--gray-100);
    position: relative;
    transition: transform 0.3s ease;
}

.step-card:hover {
    transform: translateY(-4px);
}

.step-number {
    position: absolute;
    top: -16px;
    left: 50%;
    transform: translateX(-50%);
    width: 36px;
    height: 36px;
    background: var(--gradient-primary);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 16px;
}

.step-icon-large {
    font-size: 48px;
    margin-bottom: 20px;
    margin-top: 8px;
}

.step-card h3 {
    font-size: 20px;
    font-weight: 700;
    color: var(--dark);
    margin-bottom: 12px;
}

.step-card p {
    color: var(--gray-500);
    font-size: 15px;
    line-height: 1.6;
}

/* --- Benefits --- */
.benefits {
    padding: 100px 0;
    background: var(--gray-100);
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
}

.benefit-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 32px 28px;
    box-shadow: var(--shadow-sm);
    transition: all 0.3s ease;
}

.benefit-card:hover {
    box-shadow: var(--shadow-md);
    transform: translateY(-4px);
}

.benefit-icon {
    font-size: 40px;
    margin-bottom: 16px;
}

.benefit-card h3 {
    font-size: 18px;
    font-weight: 700;
    color: var(--dark);
    margin-bottom: 8px;
}

.benefit-card p {
    color: var(--gray-500);
    font-size: 14px;
    line-height: 1.6;
}

/* --- Lenders Section --- */
.lenders {
    padding: 100px 0;
    background: var(--white);
}

.lenders-grid,
.lender-offer-cards {
    display: flex;
    flex-direction: column;
    gap: 24px;
    max-width: 900px;
    margin: 0 auto;
}

.lender-offer-cards {
    max-width: none;
}

.lender-card {
    background: var(--white);
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-lg);
    overflow: hidden;
    transition: all 0.3s ease;
    position: relative;
}

.lender-card:hover {
    border-color: var(--primary);
    box-shadow: var(--shadow-lg);
    transform: translateY(-2px);
}

.lender-card.lender-featured {
    border-color: var(--secondary);
    box-shadow: 0 4px 20px rgba(255, 184, 0, 0.15);
}

.lender-card-ribbon {
    position: absolute;
    top: 0;
    right: 20px;
    background: var(--gradient-gold);
    color: var(--dark);
    padding: 5px 14px 7px;
    font-size: 11px;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.4px;
    border-radius: 0 0 8px 8px;
    z-index: 2;
}

.lender-card-top {
    display: flex;
    align-items: center;
    gap: 16px;
    padding: 24px 28px 0;
}

.lender-logo-wrap {
    flex-shrink: 0;
    width: 140px;
    height: 72px;
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 10px 14px;
    box-shadow: 0 1px 4px rgba(0,0,0,.04);
}

.lender-logo {
    max-width: 100%;
    max-height: 100%;
    width: auto;
    height: auto;
    object-fit: contain;
}

.lender-logo-wrap .table-lender-avatar {
    width: 100%;
    height: 100%;
    border-radius: 10px;
    font-size: 28px;
}

.lender-info {
    flex: 1;
}

.lender-name {
    font-size: 20px;
    font-weight: 800;
    color: var(--dark);
    line-height: 1.2;
}

.lender-usp {
    font-size: 13px;
    font-weight: 600;
    color: var(--primary);
}

.lender-rating {
    font-size: 14px;
    font-weight: 700;
    color: var(--secondary-dark);
    flex-shrink: 0;
}

.lender-stats {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0;
    padding: 20px 28px;
}

.lender-stat {
    display: flex;
    flex-direction: column;
    gap: 3px;
    padding: 0 16px;
    border-right: 1px solid var(--gray-200);
}

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

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

.lender-stat-label {
    font-size: 11px;
    font-weight: 600;
    color: var(--gray-500);
    text-transform: uppercase;
    letter-spacing: 0.4px;
}

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

.lender-card-bottom {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 16px 28px;
    background: var(--gray-100);
    border-top: 1px solid var(--gray-200);
    gap: 16px;
}

.lender-card.lender-featured .lender-card-bottom {
    background: #FFFDE7;
}

.lender-badges {
    display: flex;
    align-items: center;
    gap: 14px;
    font-size: 12px;
    color: var(--gray-500);
    flex-wrap: wrap;
}

.lender-badge-item {
    display: flex;
    align-items: center;
    gap: 4px;
    font-weight: 500;
}

a.lender-cta,
a.lender-cta:link,
a.lender-cta:visited,
.lender-cta {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 12px 28px;
    background: var(--gradient-primary);
    color: #fff;
    border-radius: var(--radius-sm);
    font-weight: 700;
    font-size: 15px;
    text-decoration: none;
    transition: all 0.3s;
    white-space: nowrap;
    box-shadow: 0 4px 12px rgba(0, 135, 90, 0.25);
}

a.lender-cta:hover,
.lender-cta:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(0, 135, 90, 0.4);
    color: #fff;
}

/* --- Testimonials --- */
.testimonials {
    padding: 100px 0;
    background: var(--white);
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
}

.testimonial-card {
    background: var(--gray-100);
    border-radius: var(--radius-lg);
    padding: 32px;
    transition: all 0.3s ease;
}

.testimonial-card:hover {
    box-shadow: var(--shadow-md);
    transform: translateY(-4px);
}

.testimonial-stars {
    font-size: 18px;
    margin-bottom: 16px;
}

.testimonial-card p {
    font-size: 15px;
    color: var(--dark-500);
    line-height: 1.7;
    margin-bottom: 20px;
    font-style: italic;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 12px;
}

.author-avatar {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: var(--gradient-primary);
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 14px;
}

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

.author-location {
    font-size: 13px;
    color: var(--gray-500);
}

/* --- FAQ --- */
.faq {
    padding: 100px 0;
    background: var(--gray-100);
}

.faq-list {
    max-width: 800px;
    margin: 0 auto;
}

.faq-item {
    background: var(--white);
    border-radius: var(--radius-md);
    margin-bottom: 12px;
    overflow: hidden;
    box-shadow: var(--shadow-sm);
}

.faq-question {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 20px 24px;
    background: none;
    border: none;
    font-family: inherit;
    font-size: 16px;
    font-weight: 600;
    color: var(--dark);
    cursor: pointer;
    text-align: left;
    transition: color 0.2s;
}

.faq-question:hover {
    color: var(--primary);
}

.faq-toggle {
    font-size: 24px;
    color: var(--primary);
    font-weight: 300;
    transition: transform 0.3s ease;
    flex-shrink: 0;
}

.faq-item.active .faq-toggle {
    transform: rotate(45deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease, padding 0.3s ease;
}

.faq-item.active .faq-answer {
    max-height: 600px;
    padding: 0 24px 20px;
}

.faq-answer p {
    font-size: 15px;
    color: var(--gray-500);
    line-height: 1.7;
}

/* --- CTA Section --- */
.cta-section {
    padding: 80px 0;
    background: var(--gradient-hero);
}

.cta-content {
    text-align: center;
    color: var(--white);
}

.cta-content h2 {
    font-size: 36px;
    font-weight: 800;
    margin-bottom: 16px;
}

.cta-content p {
    font-size: 18px;
    color: rgba(255, 255, 255, 0.8);
    margin-bottom: 32px;
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}

.cta-section .btn,
.cta-content .btn {
    background: var(--white);
    color: var(--primary);
    font-weight: 700;
    box-shadow: 0 4px 20px rgba(0, 0, 0, .2);
}

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

/* --- Footer --- */
.footer {
    background: var(--dark);
    color: rgba(255, 255, 255, 0.7);
    padding: 60px 0 0;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.4fr 1fr 1fr 1fr 1fr;
    gap: 32px;
    padding-bottom: 40px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-brand p {
    margin-top: 16px;
    font-size: 14px;
    line-height: 1.7;
}

.footer-security {
    display: flex;
    gap: 16px;
    margin-top: 16px;
    font-size: 13px;
}

.footer-links h4 {
    color: var(--white);
    font-size: 15px;
    font-weight: 700;
    margin-bottom: 20px;
}

.footer-links a {
    display: block;
    color: rgba(255, 255, 255, 0.6);
    font-size: 14px;
    margin-bottom: 12px;
    transition: color 0.2s;
}

.footer-links a:hover {
    color: var(--secondary);
}

.footer-disclaimer {
    padding: 24px 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-disclaimer p {
    font-size: 12px;
    line-height: 1.7;
    color: rgba(255, 255, 255, 0.4);
}

.footer-cities {
    padding: 20px 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-cities h4 {
    color: var(--white);
    font-size: 14px;
    font-weight: 700;
    margin-bottom: 12px;
}

.footer-cities-list {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
}

.footer-cities-list a {
    display: inline-block;
    color: rgba(255, 255, 255, 0.6);
    font-size: 13px;
    padding: 4px 12px;
    border: 1px solid rgba(255, 255, 255, 0.15);
    border-radius: 20px;
    text-decoration: none;
    transition: all 0.2s;
}

.footer-cities-list a:hover {
    color: var(--secondary);
    border-color: var(--secondary);
}

.footer-amounts {
    padding: 20px 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-amounts h4 {
    color: var(--white);
    font-size: 14px;
    font-weight: 700;
    margin-bottom: 12px;
}

.footer-amounts-list {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
}

.footer-amounts-list a {
    display: inline-block;
    color: rgba(255, 255, 255, 0.6);
    font-size: 13px;
    padding: 4px 12px;
    border: 1px solid rgba(255, 255, 255, 0.15);
    border-radius: 20px;
    text-decoration: none;
    transition: all 0.2s;
}

.footer-amounts-list a:hover {
    color: var(--secondary);
    border-color: var(--secondary);
}

.footer-bottom {
    padding: 20px 0;
    text-align: center;
}

.footer-bottom p {
    font-size: 13px;
    color: rgba(255, 255, 255, 0.4);
}

/* --- Modal Overlay --- */
.modal-overlay {
    display: none;
    position: fixed;
    top: 0; left: 0; right: 0; bottom: 0;
    background: rgba(13, 27, 42, 0.6);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    z-index: 2000;
    align-items: center;
    justify-content: center;
    padding: 16px;
}
.modal-overlay.active {
    display: flex;
    animation: mOverIn .2s ease;
}
@keyframes mOverIn { from{opacity:0} to{opacity:1} }
@keyframes mCardIn { from{opacity:0;transform:translateY(20px) scale(.97)} to{opacity:1;transform:none} }

/* --- Modal Card --- */
.modal-card {
    background: var(--white);
    border-radius: 20px;
    padding: 32px 28px 28px;
    width: 100%;
    max-width: 420px;
    max-height: 92vh;
    overflow-y: auto;
    scrollbar-width: none;
    -ms-overflow-style: none;
    position: relative;
    box-shadow: 0 24px 80px rgba(0,0,0,.25), 0 0 0 1px rgba(0,0,0,.04);
    animation: mCardIn .3s ease;
}
.modal-card::-webkit-scrollbar {
    display: none;
}
.modal-close {
    position: absolute;
    top: 12px; right: 12px;
    background: var(--gray-100);
    border: none;
    width: 38px; height: 38px;
    border-radius: 50%;
    color: var(--gray-500);
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all .2s;
    z-index: 5;
}
.modal-close:hover { background: var(--gray-200); color: var(--dark); }

/* =========================
   FORM STATE
   ========================= */
.modal-form.hidden { display: none; }

.modal-head {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-bottom: 20px;
}
.modal-head-icon {
    width: 44px; height: 44px;
    background: var(--primary-light);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}
.modal-title {
    font-size: 20px;
    font-weight: 800;
    color: var(--dark);
    line-height: 1.2;
    margin: 0;
}
.modal-subtitle {
    font-size: 13px;
    color: var(--gray-500);
    margin: 2px 0 0;
}

/* Summary pills */
.modal-summary {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
    margin-bottom: 22px;
}
.modal-summary-item {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 12px 14px;
    background: var(--gray-100);
    border-radius: 10px;
    border: 1px solid var(--gray-200);
}
.modal-summary-icon {
    font-size: 20px;
    flex-shrink: 0;
}
.modal-summary-label {
    display: block;
    font-size: 10px;
    font-weight: 600;
    color: var(--gray-500);
    text-transform: uppercase;
    letter-spacing: .6px;
    line-height: 1;
}
.modal-summary-value {
    display: block;
    font-size: 17px;
    font-weight: 800;
    color: var(--dark);
    line-height: 1.3;
}

/* Form fields */
.mf-fields {
    display: flex;
    flex-direction: column;
    gap: 14px;
    margin-bottom: 16px;
}
.mf-group label {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 13px;
    font-weight: 600;
    color: var(--dark-700);
    margin-bottom: 6px;
}
.mf-group label svg {
    color: var(--gray-400);
    flex-shrink: 0;
}
.mf-group input,
.mf-group select {
    width: 100%;
    padding: 11px 14px;
    border: 1.5px solid var(--gray-200);
    border-radius: 10px;
    font-size: 15px;
    font-family: inherit;
    color: var(--dark);
    background: var(--white);
    transition: border-color .2s, box-shadow .2s;
    -webkit-appearance: none;
    appearance: none;
}
.mf-group input:focus,
.mf-group select:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(0,135,90,.08);
}
.mf-group input::placeholder { color: var(--gray-400); }
.mf-group select {
    background-image: url("data:image/svg+xml,%3Csvg width='12' height='8' viewBox='0 0 12 8' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M1 1.5l5 5 5-5' stroke='%23A0AEC0' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 14px center;
    padding-right: 36px;
}

/* Phone field */
.mf-phone {
    display: flex;
    border: 1.5px solid var(--gray-200);
    border-radius: 10px;
    overflow: hidden;
    transition: border-color .2s, box-shadow .2s;
}
.mf-phone:focus-within {
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(0,135,90,.08);
}
.mf-phone-prefix {
    display: flex;
    align-items: center;
    gap: 4px;
    padding: 0 12px;
    background: var(--gray-100);
    font-size: 13px;
    font-weight: 600;
    color: var(--dark-500);
    border-right: 1px solid var(--gray-200);
    white-space: nowrap;
}
.mf-phone input {
    flex: 1;
    border: none !important;
    border-radius: 0 !important;
    padding: 11px 14px !important;
    box-shadow: none !important;
}
.mf-phone input:focus { box-shadow: none !important; }

/* Legal checkboxes */
.mf-legal {
    display: flex;
    flex-direction: column;
    gap: 8px;
    margin-bottom: 18px;
}
.mf-check {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    cursor: pointer;
    font-size: 12px;
    color: var(--gray-500);
    line-height: 1.5;
}
.mf-check input[type="checkbox"] {
    width: 16px; height: 16px;
    accent-color: var(--primary);
    margin-top: 1px;
    flex-shrink: 0;
}
.mf-check a { color: var(--primary); text-decoration: underline; }

/* Submit button */
.mf-submit {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 14px 24px;
    background: var(--gradient-gold);
    color: var(--dark);
    border: none;
    border-radius: 12px;
    font-size: 16px;
    font-weight: 700;
    font-family: inherit;
    cursor: pointer;
    transition: all .25s;
    box-shadow: 0 4px 16px rgba(255,184,0,.3);
}
.mf-submit:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 24px rgba(255,184,0,.4);
}
.mf-submit:active { transform: translateY(0); }

.mf-security {
    text-align: center;
    font-size: 11px;
    color: var(--gray-400);
    margin-top: 12px;
}

/* =========================
   LOADING STATE
   ========================= */
.modal-loading { display: none; }
.modal-loading.active { display: block; }

.ml-inner {
    text-align: center;
    padding: 12px 0 4px;
}

/* Animated rings */
.ml-anim {
    position: relative;
    width: 110px; height: 110px;
    margin: 0 auto 28px;
}
.ml-ring {
    position: absolute;
    inset: 0;
    border: 3px solid var(--gray-200);
    border-top-color: var(--primary);
    border-radius: 50%;
    animation: mlSpin 1s linear infinite;
}
.ml-ring-2 {
    inset: 10px;
    border-width: 3px;
    border-color: rgba(0,135,90,.1);
    border-top-color: var(--secondary);
    animation-duration: 1.5s;
    animation-direction: reverse;
}
@keyframes mlSpin { to { transform: rotate(360deg); } }

.ml-percent {
    position: absolute;
    top: 50%; left: 50%;
    transform: translate(-50%,-50%);
    font-size: 24px;
    font-weight: 800;
    color: var(--primary);
    line-height: 1;
}

.ml-title {
    font-size: 18px;
    font-weight: 800;
    color: var(--dark);
    margin: 0 0 4px;
}
.ml-subtitle {
    font-size: 13px;
    color: var(--gray-500);
    margin: 0 0 24px;
}

/* Progress bar */
.ml-bar-track {
    height: 4px;
    background: var(--gray-200);
    border-radius: 2px;
    margin-bottom: 20px;
    overflow: hidden;
}
.ml-bar-fill {
    height: 100%;
    width: 0%;
    background: var(--gradient-primary);
    border-radius: 2px;
    transition: width .5s ease;
}

/* Steps */
.ml-steps {
    display: flex;
    flex-direction: column;
    gap: 10px;
    max-width: 240px;
    margin: 0 auto;
}
.ml-step {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 8px 12px;
    border-radius: 8px;
    font-size: 13px;
    font-weight: 500;
    color: var(--gray-400);
    background: var(--gray-100);
    transition: all .3s;
}
.ml-step-icon {
    width: 28px; height: 28px;
    border-radius: 50%;
    background: var(--gray-200);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    transition: all .3s;
    color: var(--gray-400);
}
.ml-step.active {
    color: var(--primary);
    font-weight: 600;
    background: var(--primary-light);
}
.ml-step.active .ml-step-icon {
    background: var(--primary);
    color: var(--white);
    box-shadow: 0 2px 8px rgba(0,135,90,.3);
}
.ml-step.completed {
    color: var(--primary-dark);
    background: #E8F5E9;
}
.ml-step.completed .ml-step-icon {
    background: var(--primary);
    color: var(--white);
}

/* --- Scroll Animations --- */
.animate-on-scroll {
    opacity: 0;
    transform: translateY(24px);
    transition: opacity 0.6s ease, transform 0.6s ease;
}

.animate-on-scroll.visible {
    opacity: 1;
    transform: translateY(0);
}

/* --- Responsive --- */

/* Tablet */
@media (max-width: 1024px) {
    .hero-grid {
        grid-template-columns: 1fr;
        gap: 36px;
    }
    .hero-content h1 { font-size: 38px; }
    .steps-grid { grid-template-columns: repeat(2, 1fr); }
    .benefits-grid { grid-template-columns: repeat(2, 1fr); }
    .testimonials-grid { grid-template-columns: repeat(2, 1fr); }
    .footer-grid { grid-template-columns: 1fr 1fr 1fr; gap: 28px; }

    .offer-stats-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 12px;
    }
    .offer-stat { border-right: none; padding: 0; }

    .lender-stats {
        grid-template-columns: repeat(2, 1fr);
        gap: 12px;
    }
    .lender-stat { border-right: none; padding: 0; }
}

/* Mobile */
@media (max-width: 768px) {
    /* Container */
    .container { padding: 0 16px; }

    /* Header & Nav */
    .header-inner { height: 60px; }
    .header { background: var(--white); backdrop-filter: none; }
    .nav {
        display: none;
        position: fixed;
        top: 60px; left: 0; right: 0; bottom: 0;
        background: var(--white);
        flex-direction: column;
        padding: 12px 24px 24px;
        gap: 0;
        z-index: 1001;
        overflow-y: auto;
        -webkit-overflow-scrolling: touch;
        border-top: 1px solid var(--gray-200);
    }
    .nav.active { display: flex; }
    .mobile-menu-btn { display: flex; z-index: 1002; }
    .btn-header { display: none; }

    .nav > a,
    .nav-link {
        font-size: 16px;
        font-weight: 600;
        padding: 14px 0;
        border-bottom: 1px solid var(--gray-100);
        display: flex;
        align-items: center;
        width: 100%;
        color: var(--dark);
    }
    .nav > a:last-of-type { border-bottom: none; }

    .nav-mobile-cta {
        display: block;
        margin-top: auto;
        padding-top: 20px;
    }
    .nav-mobile-cta .btn {
        width: 100%;
        text-align: center;
        padding: 14px;
        font-size: 15px;
        font-weight: 700;
        border-radius: var(--radius-md);
    }

    /* Mobile dropdown */
    .nav-dropdown { width: 100%; border-bottom: 1px solid var(--gray-100); }
    .nav-link { display: flex; justify-content: space-between; align-items: center; }
    .nav-dropdown:hover .nav-dropdown-menu,
    .nav-dropdown:hover .nav-mega-menu { display: none; }
    .nav-dropdown-menu {
        display: none;
        position: static;
        padding: 0 0 8px 0;
    }
    .nav-dropdown.open .nav-dropdown-menu { display: block; }
    .nav-dropdown-menu::before { display: none; }
    .nav-dropdown-menu a {
        border: none;
        padding: 13px 16px;
        font-size: 15px;
        font-weight: 500;
        border-radius: 8px;
        min-width: auto;
        color: var(--dark-500);
        margin: 1px 0;
    }
    .nav-dropdown-menu a:hover,
    .nav-dropdown-menu a:active { background: var(--primary-light); color: var(--primary); }

    /* Mobile mega menu */
    .nav-mega-menu {
        display: none;
        position: static;
        padding: 0;
    }
    .nav-dropdown.open .nav-mega-menu { display: block; }
    .nav-mega-menu::before { display: none; }
    .nav-mega-inner {
        display: flex;
        flex-wrap: wrap;
        min-width: auto;
        border: none;
        border-radius: 0;
        box-shadow: none;
        padding: 6px 0 10px;
        gap: 0;
    }
    .nav-mega-col {
        width: 50%;
        padding: 4px 0 8px 0;
        border-right: none !important;
    }
    .nav-mega-col:nth-child(3) {
        display: none;
    }
    .nav-mega-col h5 {
        font-size: 10px;
        font-weight: 800;
        text-transform: uppercase;
        margin-bottom: 4px;
        padding: 0 12px;
        color: var(--primary);
        letter-spacing: 1px;
    }
    .nav-mega-col a {
        padding: 11px 12px;
        font-size: 15px;
        font-weight: 500;
        border-radius: 6px;
        color: var(--dark-500);
        display: block;
        margin: 1px 4px;
    }
    .nav-mega-col a:hover,
    .nav-mega-col a:active { background: var(--primary-light); color: var(--primary); }
    .nav-mega-footer {
        width: 100%;
        padding: 8px 12px 0;
        text-align: left;
        border-top: 1px solid var(--gray-100);
        margin-top: 4px;
    }
    .nav-mega-footer a { font-size: 13px; font-weight: 700; color: var(--primary); }

    /* Footer */
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 24px; }
    .footer-cities-list, .footer-amounts-list { gap: 6px; }
    .footer-cities-list a, .footer-amounts-list a { font-size: 12px; padding: 3px 10px; }

    /* Hero */
    .hero { padding: 84px 0 48px; }
    .hero-content h1 { font-size: 28px; margin-bottom: 14px; }
    .hero-badge { font-size: 12px; padding: 6px 14px; margin-bottom: 16px; }
    .hero-subtitle { font-size: 15px; margin-bottom: 24px; }
    .hero-stats { gap: 20px; }
    .stat-number { font-size: 20px; }
    .stat-label { font-size: 12px; }
    .hero-trust-icons { margin-top: 22px; gap: 10px; }
    .hero-trust-item { font-size: 11px; padding: 5px 12px; }

    /* Form card in hero */
    .form-card { padding: 24px 18px; border-radius: 16px; }
    .form-header h2 { font-size: 20px; }
    .form-header p { font-size: 13px; }
    .amount-display, .term-display { font-size: 24px; }

    /* Sections */
    .how-it-works, .benefits, .lenders, .testimonials, .faq { padding: 60px 0; }
    .section-header { margin-bottom: 36px; }
    .section-header h2 { font-size: 26px; }
    .section-header p { font-size: 15px; }

    .steps-grid { grid-template-columns: 1fr; gap: 28px; }
    .step-card { padding: 32px 22px; }

    .benefits-grid { grid-template-columns: 1fr; gap: 16px; }
    .benefit-card { padding: 24px 20px; }

    .testimonials-grid { grid-template-columns: 1fr; gap: 16px; }
    .testimonial-card { padding: 24px; }
    .testimonial-card p { font-size: 14px; }

    /* Lender cards */
    .lender-card-top {
        flex-direction: column;
        align-items: flex-start;
        padding: 18px 18px 0;
        gap: 10px;
    }
    .lender-name { font-size: 18px; }
    .lender-logo-wrap { width: 120px; height: 60px; padding: 8px 12px; }
    .lender-logo { width: auto; height: auto; max-width: 100%; max-height: 100%; }
    .offer-logo { width: auto; height: auto; max-width: 100%; max-height: 100%; }
    .lender-logo-wrap .table-lender-avatar { font-size: 24px; }
    .lender-stats {
        padding: 14px 18px;
        grid-template-columns: 1fr 1fr;
        gap: 12px;
    }
    .lender-stat { border-right: none; padding: 0; }
    .lender-stat-value { font-size: 14px; }
    .lender-card-bottom {
        flex-direction: column;
        padding: 14px 18px;
        align-items: stretch;
        gap: 10px;
    }
    .lender-badges { justify-content: center; }
    .lender-cta {
        text-align: center;
        justify-content: center;
        padding: 12px 20px;
        font-size: 14px;
    }

    /* Offer cards */
    .offers-section { padding: 84px 0 60px; }
    .offers-header { margin-bottom: 32px; }
    .offers-header h2 { font-size: 26px; }
    .offer-header-row {
        flex-direction: column;
        align-items: flex-start;
        padding: 18px 18px 0;
        gap: 8px;
    }
    .offer-name { font-size: 18px; }
    .offer-stats-grid {
        padding: 14px 18px;
        grid-template-columns: 1fr 1fr;
        gap: 10px;
    }
    .offer-stat { border-right: none; padding: 0; }
    .offer-stat-value { font-size: 14px; }
    .offer-card-bottom {
        flex-direction: column;
        padding: 14px 18px;
        align-items: stretch;
        gap: 10px;
    }
    .offer-badges { justify-content: center; font-size: 11px; }
    .offer-cta {
        text-align: center;
        justify-content: center;
        padding: 12px 20px;
        font-size: 14px;
    }
    .offer-card-ribbon { right: 14px; font-size: 10px; padding: 4px 10px 6px; }

    /* FAQ */
    .faq-question { padding: 16px 18px; font-size: 15px; }
    .faq-item.active .faq-answer { padding: 0 18px 16px; }
    .faq-answer p { font-size: 14px; }

    /* CTA */
    .cta-section { padding: 60px 0; }
    .cta-content h2 { font-size: 26px; }
    .cta-content p { font-size: 15px; }

    /* Hero mobile fixes */
    .hero-stats { justify-content: center; }

    /* Disable hover effects on touch */
    .lender-card:hover,
    .offer-card:hover,
    .benefit-card:hover,
    .testimonial-card:hover { transform: none; }

    /* Footer */
    .footer { padding: 40px 0 0; }
    .footer-grid {
        grid-template-columns: 1fr;
        gap: 28px;
        padding-bottom: 28px;
    }
    .footer-brand p { font-size: 13px; }
    .footer-links h4 { margin-bottom: 12px; font-size: 14px; }
    .footer-links a { font-size: 13px; margin-bottom: 8px; }
    .footer-cities { padding: 16px 0; }
    .footer-cities h4 { font-size: 13px; margin-bottom: 10px; }
    .footer-cities-list { gap: 6px; }
    .footer-cities-list a { font-size: 11px; padding: 3px 8px; }
    .footer-amounts { padding: 16px 0; }
    .footer-amounts h4 { font-size: 13px; margin-bottom: 10px; }
    .footer-amounts-list { gap: 6px; }
    .footer-amounts-list a { font-size: 11px; padding: 3px 8px; }
    .footer-disclaimer p { font-size: 11px; }
    .footer-bottom p { font-size: 12px; }

    /* Modal */
    .modal-overlay { padding: 12px; }
    .modal-card {
        padding: 24px 20px 22px;
        max-height: 95vh;
        border-radius: 16px;
    }
    .modal-head { gap: 10px; margin-bottom: 16px; }
    .modal-head-icon { width: 38px; height: 38px; border-radius: 10px; }
    .modal-head-icon svg { width: 22px; height: 22px; }
    .modal-title { font-size: 18px; }
    .modal-subtitle { font-size: 12px; }
    .modal-summary { gap: 8px; margin-bottom: 18px; }
    .modal-summary-item { padding: 10px 12px; }
    .modal-summary-value { font-size: 15px; }
    .mf-fields { gap: 12px; margin-bottom: 14px; }
    .mf-group input, .mf-group select { padding: 10px 12px; font-size: 16px; }
    .mf-phone input { padding: 10px 12px !important; font-size: 16px !important; }
    .mf-submit { padding: 13px; font-size: 15px; border-radius: 10px; }
    .ml-anim { width: 90px; height: 90px; margin-bottom: 22px; }
    .ml-percent { font-size: 20px; }
    .ml-title { font-size: 16px; }
}

/* Small phones */
@media (max-width: 480px) {
    .hero { padding: 78px 0 40px; }
    .hero-content h1 { font-size: 24px; line-height: 1.2; }
    .hero-badge { font-size: 11px; padding: 5px 12px; }
    .hero-subtitle { font-size: 14px; line-height: 1.6; }
    .hero-stats { flex-direction: row; gap: 16px; justify-content: center; flex-wrap: wrap; }
    .stat { align-items: center; text-align: center; }
    .stat-number { font-size: 18px; }
    .stat-label { font-size: 11px; }
    .hero-trust-icons { justify-content: center; gap: 8px; margin-top: 20px; }
    .hero-trust-item { font-size: 11px; padding: 5px 10px; }

    .amount-display, .term-display { font-size: 22px; }
    .form-card { padding: 20px 16px; }
    .form-header h2 { font-size: 18px; }
    .form-header p { font-size: 12px; }
    .range-labels { font-size: 12px; }
    .btn-gold.btn-full { font-size: 15px; padding: 13px; }
    .form-security { font-size: 11px; }

    .section-header h2 { font-size: 22px; }
    .section-header p { font-size: 14px; }

    /* Benefits */
    .benefit-card { padding: 20px 16px; }
    .benefit-icon { font-size: 28px; }
    .benefit-card h3 { font-size: 16px; }
    .benefit-card p { font-size: 13px; }

    /* Lender cards */
    .lender-card-top { padding: 16px 14px 0; gap: 8px; }
    .lender-logo-wrap { width: 110px; height: 56px; padding: 8px 10px; }
    .lender-logo { width: auto; height: auto; max-width: 100%; max-height: 100%; }
    .lender-name { font-size: 16px; }
    .lender-usp { font-size: 12px; }
    .lender-rating { font-size: 13px; }
    .lender-stats { padding: 12px 14px; grid-template-columns: 1fr 1fr; gap: 8px; }
    .lender-stat-label { font-size: 11px; }
    .lender-stat-value { font-size: 13px; }
    .lender-card-bottom { padding: 12px 14px; gap: 8px; }
    .lender-badges { gap: 4px; }
    .lender-badge-item { font-size: 10px; padding: 3px 6px; }
    .lender-cta { padding: 14px 16px; font-size: 14px; min-height: 46px; }

    /* Offer cards */
    .offer-header-row { padding: 16px 14px 0; }
    .offer-name { font-size: 16px; }
    .offer-logo { width: auto; height: auto; max-width: 100%; max-height: 100%; }
    .offer-stats-grid { grid-template-columns: 1fr 1fr; padding: 12px 14px; gap: 8px; }
    .offer-stat-label { font-size: 11px; }
    .offer-stat-value { font-size: 13px; }
    .offer-card-bottom { padding: 12px 14px; }
    .offer-cta { padding: 14px 16px; font-size: 14px; min-height: 46px; }

    /* Testimonials */
    .testimonial-card { padding: 20px 16px; }
    .testimonial-stars { font-size: 15px; margin-bottom: 10px; }
    .testimonial-card p { font-size: 13px; margin-bottom: 14px; }
    .author-avatar { width: 36px; height: 36px; font-size: 12px; }
    .author-name { font-size: 13px; }
    .author-location { font-size: 11px; }

    /* FAQ */
    .faq-question { padding: 14px 16px; font-size: 14px; gap: 10px; }
    .faq-item.active .faq-answer { padding: 0 16px 14px; }
    .faq-answer p { font-size: 13px; }

    /* CTA */
    .cta-content h2 { font-size: 22px; line-height: 1.3; }
    .cta-content p { font-size: 14px; }
    .cta-section .btn { font-size: 14px; padding: 13px 24px; }

    /* Footer */
    .footer-security { flex-direction: column; gap: 6px; }
    .footer-cities-list a, .footer-amounts-list a { font-size: 11px; padding: 2px 7px; }

    /* Modal on small phones */
    .modal-card { padding: 20px 16px 18px; }
    .modal-summary { grid-template-columns: 1fr; }
    .mf-group label { font-size: 12px; }
    .mf-group input, .mf-group select { padding: 9px 10px; font-size: 16px; border-radius: 8px; }
    .mf-phone input { padding: 9px 10px !important; font-size: 16px !important; }
    .mf-phone-prefix { padding: 0 8px; font-size: 12px; }
    .mf-check { font-size: 11px; }
    .mf-submit { padding: 12px; font-size: 14px; }
    .mf-security { font-size: 10px; }
}