/* =========================================================================
   PrimeCompare — Prime Ink Design System
   One shared, cached stylesheet for the entire site. Replaces the ~330KB of
   duplicated inline <style> blocks that previously shipped on every page.
   ========================================================================= */

/* ---------- Design tokens ---------- */
:root{
  /* base ink */
  --bg:#070a13;
  --bg-deep:#04060d;
  --bg-glow:#1b2550;

  /* surfaces */
  --surface:#101a30;
  --surface-2:#0d1526;
  --surface-3:#16204a;
  --line:rgba(255,255,255,.09);
  --line-strong:rgba(255,255,255,.16);
  --border-hard:#212c52;
  --border-soft:#17203c;
  --input-border:#33459c;

  /* text */
  --text:#eef1fb;
  --text-dim:#c3cbea;
  --muted:#9aa6d4;
  --muted-2:#7883ad;

  /* brand accent — royal blue */
  --accent:#3e6bff;
  --accent-2:#6f92ff;
  --accent-deep:#2646d6;
  --accent-soft:rgba(62,107,255,.14);
  --accent-glow:rgba(62,107,255,.30);

  /* premium gold — "Prime" cues: ratings, featured, editor's pick */
  --gold:#e7c988;
  --gold-deep:#c99a3f;
  --gold-soft:rgba(231,201,136,.14);

  /* status */
  --green:#1fbf75;
  --green-soft:rgba(31,191,117,.14);
  --amber:#eea83c;
  --amber-soft:rgba(238,168,60,.12);
  --red:#f2606c;
  --red-soft:rgba(242,96,108,.12);

  /* geometry */
  --r-sm:10px; --r-md:14px; --r-lg:20px; --r-xl:26px; --r-pill:999px;

  /* elevation */
  --shadow-sm:0 10px 26px rgba(3,5,12,.38);
  --shadow-md:0 22px 56px rgba(3,5,12,.48);
  --shadow-lg:0 34px 90px rgba(3,5,12,.58);
  --shadow-accent:0 18px 46px rgba(62,107,255,.24);
  --shadow-gold:0 16px 40px rgba(201,154,63,.20);

  /* type */
  --font-display:'Sora',Inter,system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif;
  --font-body:'Inter',system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif;

  color-scheme:dark;
}

/* legacy variable aliases so any un-migrated inline var() references still resolve */
:root{
  --card:var(--surface);
  --accent2:var(--accent-2);
  --brand:var(--accent);
  --brand2:var(--accent-2);
  --panel:var(--surface);
  --ok:var(--green);
  --danger:var(--red);
}

/* ---------- Reset & base ---------- */
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
html,body{width:100%;max-width:100%;overflow-x:hidden}
body{
  margin:0;
  font-family:var(--font-body);
  background:
    radial-gradient(1100px 620px at 12% -12%, rgba(62,107,255,.16), transparent 55%),
    radial-gradient(900px 560px at 88% -8%, rgba(231,201,136,.08), transparent 50%),
    radial-gradient(1400px 700px at 50% -10%, var(--bg-glow) 0%, var(--bg) 62%);
  background-color:var(--bg);
  color:var(--text);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}
img,video,canvas,svg{max-width:100%;height:auto}
iframe{max-width:100%;width:100%;border:0}
a{text-decoration:none;color:var(--accent)}
a:hover{text-decoration:underline;text-decoration-color:rgba(111,146,255,.4)}
::selection{background:rgba(62,107,255,.35);color:#fff}
:focus-visible{outline:2px solid var(--accent-2);outline-offset:3px;border-radius:6px}

h1,h2,h3,h4{font-family:var(--font-display);color:var(--text);letter-spacing:-.01em;font-weight:700}
h1{font-size:clamp(30px,4.6vw,46px);line-height:1.08;margin:0 0 16px;font-weight:800}
h2{font-size:clamp(22px,3vw,30px);line-height:1.18;margin:44px 0 14px;font-weight:800}
h3{font-size:clamp(17px,2.2vw,19px);line-height:1.3;margin:22px 0 8px;color:var(--accent-2);font-weight:700}
h4{font-size:15px;margin:0 0 6px;font-weight:700}
p{color:var(--text-dim);line-height:1.75;margin:0 0 16px}
ul,ol{line-height:1.9;color:var(--text-dim);padding-left:20px;margin:0 0 16px}
li{margin:4px 0}
strong,b{color:var(--text);font-weight:700}
blockquote{margin:0;padding:14px 18px;border-left:4px solid var(--accent);background:var(--surface-2);color:var(--text-dim);border-radius:10px}
kbd{background:var(--surface-2);border:1px solid var(--border-hard);border-radius:6px;padding:1px 7px;font-size:.85em}
hr{border:0;border-top:1px solid var(--line);margin:32px 0}

.container{max-width:1140px;margin:0 auto;padding:0 20px}
.container.narrow{max-width:880px}
.section{margin:44px 0}

/* ---------- Nav ---------- */
nav,.nav{
  display:flex;align-items:center;justify-content:space-between;
  padding:18px 0;position:sticky;top:0;z-index:500;
  background:rgba(6,9,17,.86);
  backdrop-filter:blur(14px) saturate(140%);
  -webkit-backdrop-filter:blur(14px) saturate(140%);
}
.logo,.brand{font-family:var(--font-display);font-weight:800;font-size:19px;letter-spacing:.2px;display:flex;align-items:center;color:var(--text);gap:10px}
.logo svg,.brand svg{margin-right:0;flex:none}
.brand .dot{width:9px;height:9px;border-radius:999px;background:var(--accent)}
.links a,nav a,.nav ul a{margin-left:26px;color:var(--muted);font-size:14px;font-weight:600;transition:color .15s ease}
.links a:hover,nav a:hover,.nav ul a:hover{color:var(--text);text-decoration:none}
.nav ul{display:flex;gap:0;list-style:none;margin:0;padding:0}
.nav .cta a,nav .cta a{background:linear-gradient(135deg,var(--accent),var(--accent-2));padding:10px 16px;border-radius:var(--r-pill);color:#fff;font-weight:700;box-shadow:var(--shadow-accent);margin-left:14px}
.nav .cta a:hover,nav .cta a:hover{text-decoration:none;opacity:.92}

/* Primary nav rendered as <nav><ul><li><a>…</a></li></ul></nav> */
nav>ul{display:flex;align-items:center;gap:2px;list-style:none;margin:0;padding:0;flex-wrap:wrap}
nav>ul li{list-style:none;margin:0}
nav>ul li a{margin-left:14px;color:var(--muted);font-size:14px;font-weight:600;padding:6px 2px;transition:color .15s ease}
nav>ul li a:hover{color:var(--text);text-decoration:none}
nav>ul li:first-child a{margin-left:0}

/* A <nav> used purely for breadcrumbs must not inherit the sticky top bar treatment */
nav[aria-label="Breadcrumb"],nav.breadcrumb{
  position:static;top:auto;z-index:auto;display:block;padding:0;margin:0 0 18px;
  background:none;backdrop-filter:none;-webkit-backdrop-filter:none;
}

.menu-btn{display:none;align-items:center;justify-content:center;width:42px;height:42px;border-radius:12px;
  background:rgba(255,255,255,.06);border:1px solid var(--line-strong);color:rgba(255,255,255,.92);
  cursor:pointer;transition:transform .15s ease,background .15s ease}
.menu-btn:active{transform:scale(.96)}
.menu-icon{width:18px;height:12px;position:relative;display:block}
.menu-icon span{position:absolute;left:0;right:0;height:2px;border-radius:2px;background:#fff}
.menu-icon span:nth-child(1){top:0}
.menu-icon span:nth-child(2){top:5px;opacity:.85}
.menu-icon span:nth-child(3){top:10px}
.mobile-menu{position:fixed;inset:0;z-index:9999;display:none}
.mobile-menu.open{display:block}
.mobile-menu .backdrop{position:absolute;inset:0;background:rgba(2,4,9,.6);backdrop-filter:blur(6px)}
.mobile-menu .panel{position:absolute;right:16px;top:16px;width:min(320px,calc(100vw - 32px));
  background:rgba(10,14,26,.96);border:1px solid var(--line-strong);border-radius:var(--r-lg);
  box-shadow:var(--shadow-lg);padding:14px}
.mobile-menu .panel a{display:flex;align-items:center;justify-content:space-between;
  padding:12px 12px;border-radius:14px;color:rgba(255,255,255,.92);font-weight:600}
.mobile-menu .panel a:hover{background:rgba(255,255,255,.06);text-decoration:none}
.mobile-menu .panel .title{display:flex;align-items:center;justify-content:space-between;padding:6px 8px 10px;color:rgba(255,255,255,.85)}
.mobile-menu .close{width:38px;height:38px;border-radius:12px;border:1px solid var(--line-strong);
  background:rgba(255,255,255,.06);color:#fff;cursor:pointer}
@media (max-width:720px){nav .links{display:none !important}.menu-btn{display:flex}}
/* Templates without the JS hamburger fall back to a horizontally-scrollable
   nav strip on small screens rather than hiding navigation entirely. */
@media (max-width:680px){
  nav:not(:has(.menu-btn))>ul{flex-wrap:nowrap;overflow-x:auto;-webkit-overflow-scrolling:touch;padding-bottom:2px;-ms-overflow-style:none;scrollbar-width:none}
  nav:not(:has(.menu-btn))>ul::-webkit-scrollbar{display:none}
  nav:not(:has(.menu-btn))>ul li a{white-space:nowrap}
}

/* breadcrumb */
.breadcrumb{font-size:13px;color:var(--muted);margin-bottom:20px}
.breadcrumb a{color:var(--muted)}
.breadcrumb a:hover{color:var(--accent-2)}
.breadcrumb span{margin:0 6px;opacity:.5}

/* ---------- Hero variants ---------- */
.hero{padding:56px 0 34px}
.hero.centered{text-align:center;padding:74px 0 50px}
.hero h1{margin-bottom:16px}
.hero p{font-size:18px;line-height:1.65;color:var(--muted);max-width:720px}
.hero.centered p{margin:0 auto 30px}
.hero .lead{font-size:18px;line-height:1.65;color:var(--text-dim);max-width:740px}
.hero .cta-row{display:flex;flex-wrap:wrap;gap:14px;justify-content:center;margin-top:6px}
.hero.centered .cta-row{justify-content:center}
.hero .cta.alt{background:rgba(255,255,255,.06);border:1px solid var(--line-strong);box-shadow:none}
.hero .cta.alt:hover{background:rgba(111,146,255,.10);border-color:var(--accent-2)}
.hero .note{margin:16px 0 4px;font-size:13.5px;color:var(--muted);text-align:center}
.hero.centered .note{text-align:center}
.hero .cta,.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  background:linear-gradient(135deg,var(--accent),var(--accent-2));
  color:#fff;padding:15px 28px;border-radius:var(--r-pill);font-weight:700;font-size:14.5px;
  box-shadow:var(--shadow-accent);transition:transform .18s ease,box-shadow .18s ease,opacity .18s ease;
  border:1px solid rgba(255,255,255,.08);
}
.btn:hover,.hero .cta:hover{transform:translateY(-2px);box-shadow:0 24px 56px rgba(62,107,255,.32);text-decoration:none;opacity:1}
.btn:active{transform:translateY(0)}
.btn.primary{background:linear-gradient(135deg,var(--accent),var(--accent-2));color:#fff}
.btn.secondary,.btn-outline,.btn.outline{background:rgba(255,255,255,.05);border:1px solid var(--line-strong);color:var(--text);box-shadow:none}
.btn.secondary:hover,.btn-outline:hover{border-color:var(--accent-2);background:rgba(111,146,255,.10)}
.btn-outline{background:transparent}
a.btn{text-decoration:none}

.hero-wrap{position:relative;overflow:hidden;border-radius:var(--r-xl);border:1px solid var(--line);padding:38px;
  background:
    radial-gradient(900px 420px at 85% 0%, rgba(62,107,255,.28), transparent 58%),
    radial-gradient(500px 260px at 5% 100%, rgba(231,201,136,.10), transparent 60%),
    linear-gradient(180deg, rgba(22,32,74,.92), rgba(11,15,26,.96));
  box-shadow:var(--shadow-lg)}
.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:26px;align-items:center}
.kicker{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:16px}
.pill{display:inline-flex;align-items:center;gap:8px;padding:9px 14px;border-radius:var(--r-pill);
  background:rgba(255,255,255,.06);border:1px solid var(--line-strong);font-size:12px;font-weight:700;
  color:rgba(255,255,255,.92);margin:0 6px 8px 0}
.pill.gold{background:var(--gold-soft);border-color:rgba(231,201,136,.35);color:var(--gold)}
.actions{display:flex;flex-wrap:wrap;gap:12px}
.micro{margin-top:12px;font-size:12px;color:var(--muted-2)}

/* trust chips row */
.chips{display:flex;gap:10px;flex-wrap:wrap;margin-top:14px}
.chip,.trustpill{display:inline-flex;gap:8px;align-items:center;font-size:.85rem;font-weight:700;color:var(--text);
  background:rgba(255,255,255,.05);border:1px solid var(--line-strong);border-radius:var(--r-pill);padding:8px 14px}
.chip .dot{width:6px;height:6px;border-radius:999px;background:var(--green);box-shadow:0 0 0 3px rgba(31,191,117,.22)}
.trustpill span{color:var(--muted)}
.trustbar,.trust-bar{margin:26px auto 0;max-width:900px;display:flex;flex-wrap:wrap;gap:10px;justify-content:center}

/* ---------- Cards ---------- */
.card,.panel,.lender-card,.link-card,.snap-card,.faq-item,.choice-card,.tip-card,.bureau-card,
.journey-step,.info-box,.safety .box,.faq .wrap,.step,.pcq-card,.pc-trust .card,.calc-wrap,
.compare-box .opt,.pros-cons div,.score-meter{
  background:var(--surface);
  border:1px solid var(--line);
  border-radius:var(--r-lg);
}
.card,.link-card,.snap-card,.choice-card,.tip-card,.bureau-card,.journey-step,.info-box,.pcq-card,.compare-box .opt{
  padding:24px;
}
.card{box-shadow:var(--shadow-sm);transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease}
.cards,.grid,.grid-3,.link-grid,.lender-grid,.lenders,.choice-grid,.tip-grid,.bureau-grid{
  display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px;margin:22px 0 8px;
}
.cards{margin:40px 0 60px}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md);border-color:var(--line-strong)}
.card.featured,.pcq-card.top,.lender-card.featured{
  border-color:rgba(231,201,136,.5);
  box-shadow:0 0 0 1px rgba(231,201,136,.22),var(--shadow-gold);
  background:linear-gradient(180deg, rgba(231,201,136,.06), var(--surface) 40%);
}
.card h2,.card h3{margin-top:0}
.card ul{padding-left:18px;color:var(--muted)}
.card .btn{margin-top:20px}
.card .subpoints{margin-top:14px;color:var(--muted);font-size:13px;line-height:1.5}
.card .subpoints .k{color:var(--text);font-weight:700}
.card .disclosure{margin-top:12px;font-size:12px;color:var(--muted-2)}

.lender-card{padding:26px;background:linear-gradient(180deg,var(--surface-3),var(--surface-2))}
.lender-card h3{margin:0 0 10px;font-size:20px;color:var(--text)}
.lender-card ul{padding-left:18px;color:var(--muted);line-height:1.7}
.lender-card .stat{display:flex;justify-content:space-between;padding:10px 0;border-bottom:1px solid var(--border-soft);font-size:14px}
.lender-card .stat:last-of-type{border-bottom:none}
.lender-card .stat-label{color:var(--muted)}
.lender-card .stat-value{font-weight:700;color:var(--text)}
.lender-card .btn{margin-top:16px}
.stars{color:var(--gold);font-size:15px;margin:6px 0}

.link-card{transition:.2s ease}
.link-card:hover{border-color:var(--accent);transform:translateY(-3px);box-shadow:var(--shadow-sm)}
.link-card h3{margin:0 0 6px;font-size:15px;color:var(--text)}
.link-card p{margin:0;font-size:13px;color:var(--muted)}
.link-card .arrow{color:var(--accent-2);font-size:13px;margin-top:8px;display:block;font-weight:700}

.snap-card{padding:18px}
.snap-card .t{font-weight:800;margin-bottom:4px;color:var(--text)}
.snap-card .d{color:var(--muted);font-size:13px;line-height:1.5}
.snap{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}

.panel{padding:26px}
.panel h3{margin:0 0 10px;font-size:21px}
.panel p,.panel li{color:var(--muted);line-height:1.7}
.panel ul{margin:0;padding-left:18px}

.badge{display:inline-block;background:var(--accent-soft);color:var(--accent-2);padding:6px 13px;
  border-radius:var(--r-pill);font-size:12px;font-weight:800;margin-bottom:14px;letter-spacing:.02em}
.badge.gold{background:var(--gold-soft);color:var(--gold)}
.bestfor,.best-for{display:inline-flex;align-items:center;gap:8px;margin:10px 0 6px;padding:7px 12px;
  border-radius:var(--r-pill);background:rgba(255,255,255,.06);border:1px solid var(--line-strong);
  font-size:12px;font-weight:700;color:var(--text)}
.best-for{background:var(--green-soft);color:var(--green);border:none}
.tag-fast{background:var(--accent-soft);color:var(--accent-2)}
.tag-large{background:var(--amber-soft);color:var(--amber)}

.small{font-size:12px;color:var(--muted);line-height:1.55;margin-top:12px}
.mini-link{color:var(--text);text-decoration:underline;text-decoration-color:rgba(255,255,255,.25)}
.date-line{font-size:13px;color:var(--muted-2);margin:-4px 0 20px}
.date-line a{color:var(--muted-2)}

/* ---------- Buttons already defined above; extra states ---------- */
.pc-secondary-cta{
  display:inline-flex;align-items:center;gap:.45rem;padding:.65rem 1rem;
  border:1px solid var(--line-strong);border-radius:999px;color:#fff !important;
  text-decoration:none;font-weight:700;line-height:1;white-space:nowrap;margin-top:14px;
  transition:transform .15s ease,background-color .15s ease,border-color .15s ease;
}
.pc-secondary-cta:hover{background-color:rgba(255,255,255,.12);border-color:var(--accent-2);transform:translateY(-1px);text-decoration:none}
.pc-secondary-cta:focus{outline:2px solid #fff;outline-offset:2px}

/* ---------- Section headers ---------- */
.section-head{grid-column:1/-1;margin-bottom:20px}
.section-head h2{margin:0 0 8px}
.section-head p{margin:0;color:var(--muted);max-width:860px;line-height:1.7}

/* ---------- Tables ---------- */
.tbl,.compare-table,.ctable,.score-table{width:100%;border-collapse:separate;border-spacing:0;margin:22px 0 36px;font-size:14px;
  border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;background:rgba(255,255,255,.02)}
.tbl th,.compare-table th,.ctable th,.score-table th{
  background:rgba(62,107,255,.13);color:var(--accent-2);padding:14px 16px;text-align:left;
  font-weight:800;font-size:12px;text-transform:uppercase;letter-spacing:.04em;border-bottom:2px solid var(--border-hard)}
.tbl td,.compare-table td,.ctable td,.score-table td{padding:14px 16px;border-bottom:1px solid var(--border-soft);vertical-align:top;color:var(--muted)}
.tbl tr:last-child td,.compare-table tr:last-child td,.ctable tr:last-child td,.score-table tr:last-child td{border-bottom:0}
.tbl tr:hover td,.compare-table tr:hover td,.ctable tr:hover td,.score-table tr:hover td{background:rgba(111,146,255,.05)}
.compare-table td:first-child,.lender-name{font-weight:800;color:var(--text)}
.lender-sub{font-size:12px;color:var(--muted-2);margin-top:3px}
.table-responsive{width:100%;overflow-x:auto;-webkit-overflow-scrolling:touch}
.table-responsive table{min-width:640px}

/* ---------- FAQ ---------- */
.faq{display:grid;gap:14px;margin:16px 0}
.faq-item{padding:20px}
.faq-item h3{margin:0 0 8px;font-size:17px;color:var(--text)}
.faq-item p{margin:0;color:var(--muted);line-height:1.65}
.faq .wrap{padding:26px;box-shadow:var(--shadow-sm)}
.faq h2{margin:0 0 10px}
.faq .sub{margin:0 0 16px;color:var(--muted);max-width:820px}
.faq .faq-item{background:none;border:0;border-top:1px solid var(--line);border-radius:0;padding:0}
.faq .faq-item:first-of-type{border-top:0}
.faq-q{width:100%;text-align:left;display:flex;align-items:center;justify-content:space-between;gap:14px;
  background:transparent;border:0;color:var(--text);padding:16px 6px;cursor:pointer;font-weight:700;font-size:15px}
.faq-q .chev{width:28px;height:28px;border-radius:10px;display:flex;align-items:center;justify-content:center;
  border:1px solid var(--line-strong);background:rgba(255,255,255,.05);flex:none;transition:transform .2s ease}
.faq-a{max-height:0;overflow:hidden;transition:max-height .25s ease}
.faq-a .inner{padding:0 6px 16px;color:var(--muted);line-height:1.65}
.faq-a b{color:var(--text)}
.faq details{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-md);padding:16px;margin:10px 0}
.faq summary{font-weight:700;cursor:pointer;font-size:15px;list-style:none;color:var(--text)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::before{content:"+  ";color:var(--accent-2)}
.faq details[open] summary::before{content:"–  ";color:var(--accent-2)}
.faq p{margin:12px 0 0;font-size:14px;color:var(--muted)}

/* ---------- Notices ---------- */
.info-box{padding:18px 18px 16px}
.info-box strong{display:block;margin-bottom:6px;color:var(--text)}
.info-box ul{margin:10px 0 0;padding-left:18px;color:var(--muted)}
.nca,.nca-notice,.ncr-box,.ncr-note{background:var(--amber-soft);border:1px solid rgba(238,168,60,.28);
  border-radius:var(--r-md);padding:16px 20px;font-size:13px;color:#f0dca6;margin:24px 0}
.nca strong,.ncr-box strong{color:var(--gold)}
.warn{background:var(--red-soft);border:1px solid rgba(242,96,108,.28);border-radius:var(--r-md);padding:16px 20px;font-size:13px;color:#f5c3c8;margin:24px 0}
.safety{margin:0 0 26px}
.safety .box{padding:24px;box-shadow:var(--shadow-sm)}
.safety h3{margin:0 0 8px;font-size:18px}
.safety p{margin:0 0 12px;color:var(--muted);line-height:1.55}
.safety ul{margin:0;padding-left:18px;color:var(--muted)}
.win{color:var(--green);font-weight:700}
.mid{color:var(--amber);font-weight:700}
.dim{color:var(--red);font-weight:700}

/* reviewed / E-E-A-T stamp */
.reviewed-stamp{display:inline-flex;flex-wrap:wrap;gap:6px;align-items:center;margin:10px 0 0;padding:8px 14px;
  font-size:13px;font-weight:700;color:#12331f;background:#d9f2e2;border:1px solid #a9dbbc;border-radius:var(--r-pill)}
.reviewed-stamp a{color:#0f7a4d;text-decoration:underline}

/* ---------- Steps / timeline ---------- */
.step{display:flex;gap:16px;margin-bottom:20px;align-items:flex-start}
.step-num{background:linear-gradient(135deg,var(--accent),var(--accent-2));color:#fff;width:32px;height:32px;
  border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:14px;flex-shrink:0;margin-top:2px}
.step-body h4{margin:0 0 4px;font-size:15px;color:var(--text)}
.step-body p{margin:0;font-size:14px;color:var(--muted)}
.timeline{margin:20px 0 32px}
.tl-item{display:flex;gap:16px;margin-bottom:16px}
.tl-dot{width:14px;height:14px;border-radius:50%;background:var(--accent);margin-top:5px;flex-shrink:0;box-shadow:0 0 0 4px var(--accent-soft)}
.tl-content h4{margin:0 0 4px;font-size:15px;color:var(--text)}
.tl-content p{margin:0;font-size:13px;color:var(--muted)}

/* ---------- Journey / choice grid ---------- */
.journey{margin:0 0 26px;padding:24px;box-shadow:var(--shadow-sm)}
.journey-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:14px;margin-top:16px}
.journey-step{padding:20px}
.journey-step .num{display:inline-flex;align-items:center;justify-content:center;width:30px;height:30px;
  border-radius:999px;background:var(--accent-soft);color:var(--accent-2);font-weight:800;margin-bottom:10px}
.journey-step h3{margin:0 0 6px;font-size:17px}
.journey-step p{margin:0;color:var(--muted);font-size:14px;line-height:1.5}
.choice-card{padding:24px;box-shadow:var(--shadow-sm)}
.choice-card .eyebrow{display:inline-block;font-size:11px;letter-spacing:.5px;text-transform:uppercase;color:var(--accent-2);
  background:var(--accent-soft);border:1px solid rgba(111,146,255,.22);padding:6px 11px;border-radius:999px;margin-bottom:12px}
.choice-card h3{margin:0 0 8px;font-size:20px}
.choice-card p{margin:0 0 14px;color:var(--muted);line-height:1.55;font-size:14px}
.choice-card .mini{display:inline-flex;align-items:center;justify-content:center;margin-top:16px;padding:11px 15px;
  border-radius:14px;background:rgba(255,255,255,.06);border:1px solid var(--line-strong);font-weight:700;color:var(--text)}
.compare-note{grid-column:1/-1;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px;margin-bottom:6px}
.compare-note .item{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-md);padding:16px}
.compare-note .item strong{display:block;margin-bottom:6px;color:var(--text)}
.compare-note .item span{color:var(--muted);font-size:14px;line-height:1.5}

/* ---------- CTA blocks ---------- */
.cta-box{background:linear-gradient(135deg,var(--surface-3),var(--surface-2));border:1px solid var(--border-hard);
  border-radius:var(--r-xl);padding:34px;margin:44px 0;text-align:center}
.cta-box h3{margin:0 0 10px;font-size:22px}
.cta-box p{color:var(--muted);margin:0 0 20px;font-size:15px}
.cta-band{padding:28px;border-radius:var(--r-xl);border:1px solid var(--line);background:
  radial-gradient(900px 420px at 85% 0%, rgba(62,107,255,.22), transparent 58%),
  linear-gradient(180deg, rgba(22,32,74,.92), rgba(11,15,26,.94));box-shadow:var(--shadow-lg)}

/* ---------- Spotlight ---------- */
.spotlight{margin:32px 0 8px}
.spotlight .wrap{position:relative;overflow:hidden;border-radius:var(--r-xl);border:1px solid var(--line-strong);
  background:radial-gradient(1000px 420px at 20% 10%, rgba(62,107,255,.36), transparent 60%),
             linear-gradient(180deg, rgba(22,32,74,.94), rgba(9,12,22,.95));
  box-shadow:var(--shadow-lg);padding:30px}
.spotlight .grid{display:grid;grid-template-columns:1.2fr .8fr;gap:20px;align-items:center;position:relative}
.spotlight .partner-logo{display:flex;align-items:center;gap:12px;margin-bottom:12px}
.spotlight .partner-logo img{height:34px;width:auto;margin-bottom:14px;opacity:.95;filter:brightness(1.05)}

/* ---------- Lender / partner logo tiles ----------
   Every partner logo (whatever its native background) sits in a uniform
   white rounded tile so brand marks stay legible and consistently sized
   wherever they appear — lender cards, review pages, comparison tables. */
.logo-tile{
  display:inline-flex;align-items:center;justify-content:center;
  background:#fff;border-radius:var(--r-md);border:1px solid rgba(255,255,255,.14);
  box-shadow:0 10px 26px rgba(3,5,12,.30);padding:10px 14px;height:56px;
  margin-bottom:14px;overflow:hidden;
}
.logo-tile img{height:100%;width:auto;max-width:100%;object-fit:contain;display:block}
.logo-tile.lg{height:76px;padding:14px 18px;border-radius:var(--r-lg)}
.logo-tile.sm{height:36px;padding:6px 9px;border-radius:var(--r-sm);margin-bottom:0}
.card-top .logo-tile,.lender-card .logo-tile{margin-bottom:12px}
.lender-logo{display:inline-flex}
.lender-logo .logo-tile{margin-bottom:0}
.tbl .logo-tile,.compare-table .logo-tile{height:30px;padding:4px 7px;margin-bottom:0;vertical-align:middle}
.lender-name-row{display:flex;align-items:center;gap:10px}
.spotlight .kicker{display:inline-flex;align-items:center;gap:10px;font-size:12px;letter-spacing:.5px;text-transform:uppercase;color:rgba(255,255,255,.85)}
.spotlight .pill{display:inline-flex;align-items:center;gap:8px;padding:7px 12px;border-radius:999px;background:rgba(255,255,255,.06);border:1px solid var(--line-strong)}
.spotlight h2{margin:14px 0 10px;font-size:28px;line-height:1.15}
.spotlight p{margin:0 0 16px;color:var(--muted);line-height:1.55;max-width:640px}
.spotlight .stats{display:flex;flex-wrap:wrap;gap:10px;margin-top:12px}
.spotlight .stat{display:flex;align-items:center;gap:10px;padding:10px 12px;border-radius:16px;background:rgba(255,255,255,.05);border:1px solid var(--line-strong);font-size:13px;color:var(--text)}
.spotlight .stat span{color:var(--muted)}
.spotlight .actions{display:flex;flex-direction:column;gap:10px;justify-content:center}
.spotlight .primary{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:15px 18px;border-radius:16px;
  background:linear-gradient(135deg,var(--accent),var(--accent-2));color:#fff;font-weight:800;box-shadow:var(--shadow-accent)}
.spotlight .secondary{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:15px 18px;border-radius:16px;
  background:rgba(255,255,255,.06);border:1px solid var(--line-strong);color:var(--text);font-weight:700}
.spotlight .note{margin-top:10px;font-size:12px;color:var(--muted);line-height:1.45}
.spotlight .orb{position:absolute;right:-120px;top:-140px;width:340px;height:340px;border-radius:50%;
  background:radial-gradient(circle at 30% 30%, rgba(111,146,255,.55), rgba(62,107,255,.12) 55%, transparent 70%);opacity:.9}

/* ---------- Trust stat strip ---------- */
.trust{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:20px;margin-bottom:60px}
.trust div{background:rgba(255,255,255,.04);border:1px solid var(--line);border-radius:var(--r-md);padding:22px;text-align:center;color:var(--muted)}
.stat{font-family:var(--font-display)}
.stat-row{display:flex;flex-wrap:wrap;gap:18px;margin:26px 0}
.stat-tile{flex:1 1 160px;background:var(--surface);border:1px solid var(--line);border-radius:var(--r-md);padding:18px;text-align:left}
.stat-tile .num{font-family:var(--font-display);font-weight:800;font-size:28px;color:var(--text);display:block}
.stat-tile .lbl{font-size:12.5px;color:var(--muted);margin-top:4px;display:block}

/* ---------- Related links / footer nav ---------- */
.related-links{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:26px;margin:44px 0}
.related-links h3{margin:0 0 14px;color:var(--text)}
.related-links ul{margin:0;padding-left:18px;line-height:2.1;font-size:14px}
.related-links a{color:var(--accent-2)}
.link-grid{margin:20px 0 32px}
.tools-bar{background:var(--surface-2);border:1px solid var(--border-soft);border-radius:var(--r-md);padding:14px 18px;margin:16px 0;font-size:14px}
.tools-bar a{color:var(--accent-2);margin-left:8px}
.back{display:inline-block;margin-bottom:24px;border:1px solid var(--line-strong);padding:10px 16px;border-radius:var(--r-pill);background:rgba(255,255,255,.04);font-size:14px;color:var(--text)}
.back:hover{border-color:var(--accent-2);text-decoration:none}

/* ---------- pcq (loan quiz) ---------- */
.pcq{--pcq-accent:var(--accent);--pcq-ink:var(--text);--pcq-mut:var(--muted);--pcq-card:var(--surface-2);
  --pcq-line:var(--line-strong);--pcq-ok:var(--green);--pcq-warn:var(--amber);--pcq-stop:var(--red);
  background:linear-gradient(180deg,var(--surface-3),var(--surface-2));border:1px solid var(--pcq-line);
  border-radius:var(--r-lg);padding:24px 22px;margin:28px 0;color:var(--pcq-ink);font-family:inherit;box-shadow:var(--shadow-sm)}
.pcq h2#pcq-h{margin:0 0 6px;font-size:22px;line-height:1.2;color:var(--pcq-ink)}
.pcq .pcq-lede{margin:0 0 16px;color:var(--pcq-mut);font-size:14.5px;line-height:1.55;max-width:64ch}
.pcq-steps{display:flex;gap:6px;margin:0 0 16px}
.pcq-pip{height:3px;flex:1;border-radius:3px;background:var(--pcq-line);transition:background .25s}
.pcq-pip.on{background:var(--pcq-accent)}
.pcq-q{margin:0 0 10px;font-size:15.5px;font-weight:700}
.pcq-opts{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:10px;margin:0 0 6px;padding:0;list-style:none}
.pcq-opt{display:block;width:100%;text-align:left;cursor:pointer;background:var(--pcq-card);border:1px solid var(--pcq-line);
  border-radius:11px;padding:14px;color:var(--pcq-ink);font:inherit;font-size:14.5px;line-height:1.35;
  transition:border-color .18s,background .18s,transform .12s}
.pcq-opt:hover,.pcq-opt:focus-visible{border-color:var(--pcq-accent);background:var(--surface-3);outline:none;transform:translateY(-1px)}
.pcq-opt small{display:block;margin-top:4px;color:var(--pcq-mut);font-size:12.5px;line-height:1.4}
.pcq-back{margin-top:12px;background:none;border:0;color:var(--pcq-mut);font:inherit;font-size:13px;cursor:pointer;padding:4px 0;text-decoration:underline}
.pcq-back:hover{color:var(--pcq-ink)}
.pcq-res-h{margin:0 0 4px;font-size:17px;font-weight:800}
.pcq-res-sub{margin:0 0 14px;color:var(--pcq-mut);font-size:13.5px;line-height:1.5}
.pcq-card{padding:16px;margin:0 0 12px}
.pcq-card.top{border-color:rgba(231,201,136,.55);box-shadow:0 0 0 1px rgba(231,201,136,.2)}
.pcq-name{display:flex;align-items:center;gap:9px;flex-wrap:wrap;margin:0 0 6px;font-size:16px;font-weight:800}
.pcq-tag{font-size:11px;font-weight:800;letter-spacing:.4px;text-transform:uppercase;padding:3px 9px;border-radius:999px;
  background:var(--accent-soft);color:var(--accent-2);border:1px solid rgba(111,146,255,.35)}
.pcq-why{margin:0 0 11px;color:var(--pcq-mut);font-size:13.5px;line-height:1.55}
.pcq-why b{color:var(--pcq-ink);font-weight:700}
.pcq-go{display:inline-block;background:linear-gradient(135deg,var(--pcq-accent),var(--accent-2));color:#04121f;
  font-weight:800;font-size:14.5px;padding:12px 22px;border-radius:9px;text-decoration:none}
.pcq-go:hover{text-decoration:none;filter:brightness(1.08)}
.pcq-note{display:flex;gap:9px;align-items:flex-start;border-radius:11px;padding:14px;margin:0 0 12px;font-size:13.5px;line-height:1.55}
.pcq-note.warn{background:var(--amber-soft);border:1px solid rgba(238,168,60,.32);color:#f0dca6}
.pcq-note.stop{background:var(--red-soft);border:1px solid rgba(242,96,108,.32);color:#f5c3c8}
.pcq-note b{color:#fff}
.pcq-alt{margin:12px 0 0;padding:0;list-style:none;font-size:13.5px;line-height:1.7}
.pcq-alt li:before{content:"\203A";color:var(--pcq-accent);font-weight:800;margin-right:8px}
.pcq-alt a{color:var(--accent-2);font-weight:600}
.pcq-foot{margin:14px 0 0;padding-top:12px;border-top:1px solid var(--pcq-line);color:var(--pcq-mut);font-size:12.5px;line-height:1.6}

/* ---------- pc-legit (legit check) ---------- */
.pc-legit{--pcl-accent:var(--accent);--pcl-ink:var(--text);--pcl-body:var(--text-dim);--pcl-muted:var(--muted);
  --pcl-line:var(--border-hard);max-width:1100px;margin:26px auto;padding:22px 22px 20px;
  background:linear-gradient(180deg,var(--surface-3),var(--surface-2));border:1px solid var(--pcl-line);
  border-left:3px solid var(--pcl-accent);border-radius:var(--r-md);color:var(--pcl-ink);box-shadow:var(--shadow-sm)}
.pc-legit *{box-sizing:border-box}
.pc-legit h2#pc-legit-h{margin:0 0 4px;font-size:19px;line-height:1.3;font-weight:800;color:var(--pcl-ink);letter-spacing:-.01em}
.pc-legit .pcl-lede{margin:0 0 14px;font-size:14px;line-height:1.6;color:var(--pcl-muted)}
.pc-legit ul.pcl-list{list-style:none;margin:0 0 16px;padding:0;display:grid;gap:9px}
.pc-legit ul.pcl-list li{position:relative;padding-left:24px;font-size:14px;line-height:1.5;color:var(--pcl-body)}
.pc-legit ul.pcl-list li::before{content:"";position:absolute;left:2px;top:.42em;width:10px;height:5px;
  border-left:2px solid var(--pcl-accent);border-bottom:2px solid var(--pcl-accent);transform:rotate(-45deg)}
.pc-legit ul.pcl-list li b{font-weight:700;color:var(--pcl-ink)}
.pc-legit .pcl-actions{display:flex;flex-wrap:wrap;gap:8px;padding-top:14px;border-top:1px solid var(--pcl-line)}
.pc-legit .pcl-actions a{display:inline-block;padding:10px 15px;background:var(--accent-soft);border:1px solid var(--pcl-accent);
  border-radius:8px;font-size:13px;font-weight:700;color:var(--accent-2);text-decoration:none;line-height:1.35}
.pc-legit .pcl-actions a:hover{background:var(--pcl-accent);color:#fff}
.pc-legit .pcl-more{margin:12px 0 0;font-size:13px;line-height:1.55;color:var(--pcl-muted)}
.pc-legit .pcl-more a{font-weight:700}

/* ---------- Calculator ---------- */
.calc-wrap{padding:34px;margin:26px 0;box-shadow:var(--shadow-sm)}
.calc-row{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-bottom:16px}
.calc-label{font-size:13px;color:var(--muted);margin-bottom:6px;font-weight:700}
.calc-input{width:100%;background:var(--bg);border:1px solid var(--input-border);border-radius:10px;padding:13px 16px;
  color:var(--text);font-size:16px;outline:none;transition:border-color .15s ease}
.calc-input:focus{border-color:var(--accent-2);box-shadow:0 0 0 3px var(--accent-soft)}
.calc-result{background:var(--bg);border:1px solid var(--border-hard);border-radius:var(--r-md);padding:22px;margin-top:20px}
.calc-result-row{display:flex;justify-content:space-between;padding:10px 0;border-bottom:1px solid var(--border-soft);font-size:14px}
.calc-result-row:last-child{border-bottom:none;font-weight:800;font-size:16px}
.calc-result-label{color:var(--muted)}
.calc-result-value{color:var(--text)}
.calc-result-value.highlight{color:var(--accent-2);font-size:18px}
input[type=range]{width:100%;-webkit-appearance:none;height:6px;border-radius:3px;
  background:linear-gradient(90deg,var(--accent) var(--val,50%),var(--border-hard) var(--val,50%));outline:none}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:20px;height:20px;border-radius:50%;
  background:var(--accent);cursor:pointer;box-shadow:0 0 0 4px var(--accent-soft)}

/* ---------- Score / meter ---------- */
.score-meter{padding:30px;margin:24px 0 32px;text-align:center;box-shadow:var(--shadow-sm)}
.meter-bar{height:20px;border-radius:10px;background:linear-gradient(90deg,var(--red) 0%,#f2924e 20%,var(--amber) 40%,#a3e635 65%,var(--green) 85%,#4ade80 100%);position:relative;margin:20px 0 8px}
.meter-labels{display:flex;justify-content:space-between;font-size:12px;color:var(--muted)}
.score-bar{height:10px;border-radius:6px;display:inline-block;margin-right:10px;vertical-align:middle}

/* ---------- Pros/cons, compare-box ---------- */
.pros-cons{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:16px 0 24px}
.pros-cons div{padding:20px}
.pros-cons h4{margin:0 0 10px;font-size:14px;font-weight:700}
.pros-cons ul{margin:0;padding-left:18px;font-size:14px;color:var(--muted);line-height:1.8}
.pro-head{color:var(--green)}
.con-head{color:var(--red)}
.compare-box{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:20px 0}
.compare-box .opt{padding:22px}
.compare-box .opt.recommended{border-color:var(--accent)}
.compare-box h4{margin:0 0 12px;font-size:15px}

/* ---------- Footer ---------- */
footer{background:var(--bg-deep);padding:50px 0 40px;font-size:13px;color:var(--muted);margin-top:60px;border-top:1px solid var(--line)}
footer a{margin-right:16px;color:var(--muted);text-decoration:underline;text-decoration-color:rgba(255,255,255,.2)}
footer a:hover{color:var(--text)}
.smalllinks a{margin-right:14px;color:var(--muted)}
footer p{color:var(--muted-2)}

/* ---------- Utility ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.row{display:flex;flex-wrap:wrap;gap:16px}
.text-center{text-align:center}
.mt-0{margin-top:0}
.tip-number{display:inline-block;background:linear-gradient(135deg,var(--accent),var(--accent-2));color:#fff;
  width:28px;height:28px;border-radius:50%;text-align:center;line-height:28px;font-weight:700;font-size:13px;margin-bottom:10px}

/* ---------- Responsive ---------- */
@media (max-width:960px){
  .hero-grid,.split,.grid-2,.calc-row,.compare-box,.pros-cons{grid-template-columns:1fr}
  .spotlight .grid{grid-template-columns:1fr}
}
@media (max-width:720px){
  .hero-wrap{padding:26px}
  h1{font-size:30px}
  .snap{grid-template-columns:1fr}
}
@media (max-width:680px){
  .tbl,.compare-table,.ctable,.score-table{font-size:12px}
  .tbl th,.tbl td,.compare-table th,.compare-table td{padding:10px 12px}
}
@media (max-width:520px){
  .hero h1{font-size:28px}
}
@media (prefers-reduced-motion:reduce){
  *{transition:none !important;animation:none !important}
}