/* Site styles v2.0 */

:root {
  /* Colors */
  --color-bg: #FFFFFF;
  --color-bg-tile: #F4F4F4;
  --color-bg-soft: #FAFAF8;
  --color-border-light: #EEEEEE;
  --color-border: #CCCCCC;
  --color-text: #232327;
  --color-text-dark: #1A1A1F;
  --color-text-muted: #888888;
  --color-accent-orange: #F78850;
  --color-accent-blue: #193A7D;
  --color-green: #1C8A4E;
  --color-footer: #232327;
  --color-nav: #555555;
  --color-text-on-dark: #FFFFFF;
  --color-text-muted-on-dark: #A9B8D8;
  --color-illus-on-dark: #BCD0F5;
  --color-dark-deep: #0E1A30;

  --gradient-dark: #193A7D;
  --glow-orange: none;

  /* Spacing scale (4px grid) */
  --space-1: 4px;
  --space-2: 8px;
  --space-3: 12px;
  --space-4: 16px;
  --space-5: 24px;
  --space-6: 32px;
  --space-7: 44px;
  --space-8: 56px;
  --space-9: 72px;
  --space-10: 96px;

  --font-family: 'Montserrat', system-ui, sans-serif;
  --radius-card: 14px;
  --radius-btn: 5px;
  --radius-pill: 999px;
  --prose-width: 38em;

  /* Layout — air */
  --section-y: 92px;
  --section-y-mobile: 60px;
  --section-x: 32px;
  --section-x-mobile: 20px;
  --container-max: 1160px;
  --header-height: 72px;
  --header-to-content: 52px;
  --grid-gap: 36px;
  --card-padding: 28px;
  --text-stack: 20px;
  --overlap: -68px;
  --trust-after-overlap: 48px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}

body {
  font-family: var(--font-family);
  font-size: 15px;
  font-weight: 400;
  line-height: 1.65;
  color: var(--color-text);
  background: var(--color-bg);
  -webkit-font-smoothing: antialiased;
}

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

/* Typography */

.kicker {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1.75px;
  text-transform: uppercase;
  margin-bottom: var(--space-4);
}

.kicker--light { color: var(--color-text-muted-on-dark); }
.kicker--orange { color: var(--color-accent-orange); }
.kicker--blue { color: var(--color-accent-blue); }

.h1 {
  font-size: clamp(36px, 6vw, 52px);
  font-weight: 900;
  letter-spacing: -2px;
  line-height: 0.96;
  margin-bottom: var(--space-4);
}

.h2 {
  font-size: clamp(28px, 4.5vw, 44px);
  font-weight: 900;
  letter-spacing: -1.5px;
  line-height: 1.05;
  margin-bottom: var(--space-4);
}

.h3 {
  font-size: 15px;
  font-weight: 800;
  line-height: 1.3;
}

.text-accent { color: var(--color-accent-orange); }
.text-green { color: var(--color-green); }

.section-sub {
  font-size: 15px;
  font-weight: 400;
  line-height: 1.65;
  max-width: var(--prose-width);
  margin-top: var(--space-4);
}

.section-sub--light { color: var(--color-text-muted-on-dark); }
.section-sub--dark { color: var(--color-text-muted); }

.section-header { text-align: center; margin-bottom: var(--header-to-content); }
.section-header .section-sub { margin-left: auto; margin-right: auto; }
.section-header .h2 { margin-bottom: 0; }
.section-header .kicker { margin-bottom: var(--space-4); }

.stat-number {
  font-size: clamp(30px, 5vw, 52px);
  font-weight: 900;
  letter-spacing: -2px;
  line-height: 1;
}

/* Layout */

.container {
  width: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding-left: var(--section-x);
  padding-right: var(--section-x);
}

.section { padding-top: var(--section-y); padding-bottom: var(--section-y); }

.section--dark {
  background: var(--gradient-dark);
  color: var(--color-text-on-dark);
  position: relative;
  overflow: hidden;
}

.section--dark::before {
  content: '';
  position: absolute;
  width: 60%;
  height: 80%;
  top: 10%;
  right: -10%;
  background: var(--glow-orange);
  pointer-events: none;
  filter: blur(40px);
}

.section--dark > .container { position: relative; z-index: 1; }

.section--dark .h2 { color: #fff; }

/* Buttons */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-family);
  font-size: 14px;
  font-weight: 700;
  border-radius: var(--radius-btn);
  padding: 14px 28px;
  border: none;
  cursor: pointer;
  transition: background 0.2s, box-shadow 0.2s, transform 0.15s;
  white-space: nowrap;
}

.btn:focus-visible {
  outline: 2px solid #fff;
  outline-offset: 3px;
}

.btn--primary {
  background: var(--color-accent-orange);
  color: #fff;
  box-shadow: none;
}

.btn--primary:hover {
  background: #e67a45;
  box-shadow: none;
  transform: translateY(-2px) scale(1.02);
}

.btn--primary:active {
  transform: translateY(0) scale(0.98);
  box-shadow: none;
}

.btn--ghost {
  background: transparent;
  color: #fff;
  border: 1px solid rgba(255, 255, 255, 0.3);
  box-shadow: none;
}

.btn--ghost:hover {
  background: rgba(255, 255, 255, 0.08);
  transform: translateY(-1px);
}

.btn--ghost:active { transform: translateY(0); }

.btn--large {
  font-size: 16px;
  font-weight: 800;
  padding: 18px 40px;
  border-radius: var(--radius-btn);
}

.btn--outline {
  background: transparent;
  color: var(--color-accent-blue);
  border: 1px solid var(--color-border);
  box-shadow: none;
}

.btn--outline:hover { border-color: var(--color-accent-blue); }

/* Scroll reveal */

.reveal {
  opacity: 0;
  transform: translateY(12px);
  transition: opacity 0.55s ease, transform 0.55s ease;
}

.reveal.is-visible {
  opacity: 1;
  transform: translateY(0);
}

/* Card hover-lift */
.card-lift {
  transition: transform 0.28s ease, box-shadow 0.28s ease;
}

.hero-card.card-lift:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 28px rgba(14, 26, 48, 0.12);
}

.step-card.card-lift:hover {
  transform: translateY(-3px);
}

.money-card.card-lift {
  border-radius: var(--radius-card);
}

.money-card.card-lift:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 32px rgba(25, 58, 125, 0.08);
}

.fact-item.card-lift {
  padding: var(--space-4);
  margin: calc(var(--space-2) * -1);
  border-radius: var(--radius-card);
}

.fact-item.card-lift:hover {
  background: var(--color-bg-soft);
  transform: translateY(-2px);
}

@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; }
  .card-lift:hover,
  .btn--primary:hover,
  .btn--ghost:hover { transform: none; }
  .hero-offers-fan__stack,
  .hero-offers-fan__glow { animation: none !important; }
}

/* Header */

.header {
  position: sticky;
  top: 0;
  z-index: 200;
  background: var(--color-bg);
  transition: box-shadow 0.2s;
}

.header--scrolled { box-shadow: 0 1px 0 var(--color-border-light); }

.header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--header-height);
  gap: 24px;
}

.logo {
  display: inline-flex;
  align-items: center;
  flex-shrink: 0;
  text-decoration: none;
}

.logo-img {
  height: 36px;
  width: auto;
  display: block;
}

.footer__logo {
  margin-bottom: 14px;
}

.footer__logo .logo-img {
  height: 32px;
  width: auto;
}

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

.nav__link {
  font-size: 12px;
  font-weight: 600;
  color: var(--color-nav);
  transition: color 0.2s;
}

.nav__link:hover { color: var(--color-accent-blue); }

.nav__link:focus-visible {
  outline: 2px solid var(--color-accent-blue);
  outline-offset: 4px;
  border-radius: 2px;
}

.header__actions { display: flex; align-items: center; gap: 16px; }

.burger {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 40px;
  height: 40px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}

.burger span {
  display: block;
  width: 100%;
  height: 2px;
  background: var(--color-accent-blue);
  border-radius: 2px;
  transition: transform 0.2s, opacity 0.2s;
}

.burger[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.burger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.burger[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Hero (dark + overlap) */

.hero {
  padding-top: 64px;
  padding-bottom: 128px;
  background: var(--gradient-dark);
  color: #fff;
  position: relative;
  overflow: visible;
}

.hero::before {
  content: '';
  position: absolute;
  width: 50%;
  height: 70%;
  top: 20%;
  right: 5%;
  background: var(--glow-orange);
  filter: blur(60px);
  pointer-events: none;
}

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

.hero__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-9);
  align-items: center;
}

.hero__content { max-width: var(--prose-width); }

.hero .kicker { color: var(--color-text-muted-on-dark); }

.hero .h1 { color: #fff; }

.hero__sub {
  font-size: 15px;
  color: var(--color-text-muted-on-dark);
  margin: var(--space-5) 0 var(--space-6);
  line-height: 1.65;
  max-width: var(--prose-width);
}

.hero__actions { display: flex; flex-wrap: wrap; gap: var(--space-4); }

.hero__visual {
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  min-height: 440px;
  z-index: 2;
}

.hero__visual .hero-offers-fan {
  margin-top: 40px;
}

/* Hero offer cards stack */

.hero-offers-fan {
  position: relative;
  width: min(340px, 94vw);
  margin: 0 auto;
}

.hero-offers-fan__glow {
  position: absolute;
  inset: -8% -12%;
  background: var(--glow-orange);
  filter: blur(56px);
  pointer-events: none;
  z-index: 0;
  animation: glow-drift 8s ease-in-out infinite;
}

.hero-offers-fan__stack {
  position: relative;
  z-index: 2;
  width: 100%;
  height: 400px;
  animation: hero-offers-stack-float 5.5s ease-in-out infinite;
}

.hero-offer-card {
  position: absolute;
  left: 50%;
  width: 280px;
  max-width: 92%;
  padding: 18px 20px;
  background: #fff;
  border-radius: 16px;
  color: var(--color-text-dark);
  box-shadow: 0 24px 56px rgba(14, 26, 48, 0.38);
  transition: box-shadow 0.35s ease;
}

.hero-offer-card--back {
  top: 0;
  z-index: 1;
  transform: translateX(calc(-50% - 32px)) rotate(-10deg);
  box-shadow: 0 14px 36px rgba(14, 26, 48, 0.24);
}

.hero-offer-card--mid {
  top: 86px;
  z-index: 2;
  transform: translateX(calc(-50% + 26px)) rotate(8deg);
}

.hero-offer-card--front {
  top: 168px;
  z-index: 3;
  border-top: 4px solid var(--color-accent-orange);
  transform: translateX(calc(-50% - 10px)) rotate(-4deg);
  box-shadow: 0 28px 68px rgba(14, 26, 48, 0.44);
}

.hero-offer-card__lender {
  font-size: 12px;
  font-weight: 800;
  color: var(--color-accent-blue);
  margin-bottom: 6px;
}

.hero-offer-card__apr {
  font-size: 26px;
  font-weight: 900;
  letter-spacing: -0.6px;
  line-height: 1.1;
  margin-bottom: 10px;
}

.hero-offer-card__row {
  display: flex;
  justify-content: space-between;
  font-size: 13px;
  font-weight: 600;
  color: var(--color-text-muted);
}

.hero-offer-card__total {
  font-size: 11px;
  font-weight: 600;
  color: var(--color-text-muted);
  margin-top: 10px;
}

@keyframes hero-offers-stack-float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}

/* Illustration asset slots (PNG + CSS glow/float/parallax) */

.illo-wrap {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
}

.illo-wrap--hero { width: 280px; height: 260px; }
.illo-wrap--why { width: 240px; height: 240px; margin: 0 auto; }

.illo-glow {
  position: absolute;
  inset: 10%;
  background: var(--glow-orange);
  border-radius: 50%;
  filter: blur(36px);
  pointer-events: none;
  z-index: 0;
  animation: glow-drift 8s ease-in-out infinite;
}

@keyframes glow-drift {
  0%, 100% { transform: translate(0, 0) scale(1); opacity: 0.9; }
  50% { transform: translate(10px, -14px) scale(1.06); opacity: 1; }
}

.illo-wrap--float .illo-img {
  animation: illo-float 5.5s ease-in-out infinite;
}

.illo-wrap--float-subtle .illo-img {
  animation: illo-float 6.5s ease-in-out infinite;
}

@keyframes illo-float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}

.illo-img {
  position: relative;
  z-index: 1;
  width: 100%;
  height: auto;
  object-fit: contain;
}

.illo-img--step { width: 136px; height: 136px; }
.illo-img--range { width: 320px; height: auto; max-width: 100%; }

.illo-wrap--tile {
  background: transparent;
  border-radius: 0;
  padding: 0;
  min-height: 0;
}

.appstore-badge {
  display: block;
  height: 44px;
  width: auto;
}

.appstore-badge--footer { height: 40px; margin-top: 20px; }

/* Phosphor icon boxes — 24px icon in 48px tile, radius 14px */

.icon-box {
  flex-shrink: 0;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  border-radius: var(--radius-card);
  background: var(--color-accent-blue);
  color: #fff;
}

.icon-box i {
  font-size: 24px;
  line-height: 1;
}

.icon-box--sm {
  width: 40px;
  height: 40px;
  border-radius: 12px;
}

.icon-box--sm i { font-size: 20px; }

.money-card .icon-box {
  margin: 0 auto var(--space-5);
}

/* Overlap step cards (NerdWallet) */

.hero-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-4);
  margin-top: var(--space-7);
  margin-bottom: var(--overlap);
  position: relative;
  z-index: 1;
}

.hero-card {
  background: rgba(255, 255, 255, 0.9);
  border-radius: 12px;
  padding: var(--space-4) var(--space-5);
  box-shadow: 0 6px 20px rgba(14, 26, 48, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.55);
  overflow: hidden;
  backdrop-filter: blur(6px);
}

.hero-card--accent { border-top: 3px solid var(--color-accent-orange); }

.hero-card__num {
  font-size: 11px;
  font-weight: 800;
  color: var(--color-accent-orange);
  margin-bottom: var(--space-2);
}

.hero-card__title {
  font-size: 13px;
  font-weight: 800;
  color: var(--color-text-dark);
  margin-bottom: var(--space-1);
}

.hero-card__desc {
  font-size: 12px;
  color: var(--color-text-muted);
  line-height: 1.5;
}

/* Trust bar */

.trust-bar {
  background: var(--color-bg);
  border-bottom: 1px solid var(--color-border-light);
  padding: calc(var(--trust-after-overlap) - var(--overlap)) 0 var(--trust-after-overlap);
  position: relative;
  z-index: 5;
}

.trust-bar__list {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: var(--space-5) var(--space-7);
}

.trust-bar__item {
  display: flex;
  align-items: center;
  gap: var(--space-4);
  font-size: 13px;
  font-weight: 600;
  color: var(--color-text-muted);
  line-height: 1.5;
}

/* Steps */

.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--grid-gap);
}

.step-card { text-align: center; }

.step-card__illus { margin-bottom: var(--space-5); }

.step-card__number {
  font-size: 26px;
  font-weight: 900;
  color: var(--color-accent-orange);
  letter-spacing: -1px;
  margin-bottom: var(--space-3);
}

.step-card__title { margin-bottom: var(--space-3); color: var(--color-text-dark); }

.step-card__desc { font-size: 14px; color: var(--color-text-muted); line-height: 1.65; }

/* Why section */

.why-section__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-9);
  align-items: center;
}

.why-section__stats {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-6) var(--space-7);
  margin: var(--space-6) 0 var(--space-5);
}

.why-stat__label {
  font-size: 12px;
  font-weight: 600;
  color: var(--color-text-muted-on-dark);
  margin-top: 6px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.why-section__visual {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 400px;
}

.hero-offers-fan__stack--alt {
  animation-delay: 0.8s;
}

.hero-offers-fan__stack--alt .hero-offer-card--back {
  transform: translateX(calc(-50% - 24px)) rotate(-8deg);
}

.hero-offers-fan__stack--alt .hero-offer-card--mid {
  transform: translateX(calc(-50% + 18px)) rotate(6deg);
}

.hero-offers-fan__stack--alt .hero-offer-card--front {
  transform: translateX(calc(-50% - 14px)) rotate(5deg);
}

/* No fine print — orange stripe (Wise) */

.section--orange {
  background: var(--color-accent-orange);
  color: #fff;
  padding: var(--section-y) 0;
}

.section--orange .h2 { color: #fff; }

.section--orange .section-sub { color: rgba(255, 255, 255, 0.9); }

.compare-table {
  width: 100%;
  max-width: 640px;
  margin: 36px auto 0;
  border-collapse: separate;
  border-spacing: 0;
  background: rgba(255, 255, 255, 0.12);
  border-radius: var(--radius-card);
  overflow: hidden;
}

.compare-table th,
.compare-table td {
  padding: 16px 20px;
  font-size: 14px;
  text-align: center;
  border-bottom: 1px solid rgba(255, 255, 255, 0.15);
}

.compare-table th {
  font-weight: 800;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  background: rgba(0, 0, 0, 0.1);
}

.compare-table td:first-child {
  text-align: left;
  font-weight: 600;
}

.compare-table tr:last-child td,
.compare-table tr:last-child th { border-bottom: none; }

.compare-table .check { color: #fff; font-weight: 800; font-size: 18px; }
.compare-table .cross { color: rgba(255, 255, 255, 0.45); font-size: 18px; }

.compare-disclaimer {
  text-align: center;
  font-size: 11px;
  color: rgba(255, 255, 255, 0.75);
  margin-top: 20px;
  max-width: 480px;
  margin-left: auto;
  margin-right: auto;
}

/* How we make money (light) */

.money-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--grid-gap);
}

.money-card {
  background: var(--color-bg-soft);
  border: 1px solid var(--color-border-light);
  border-radius: var(--radius-card);
  padding: var(--card-padding) var(--space-5);
  text-align: center;
}

.money-section__link a {
  font-size: 14px;
  font-weight: 600;
}

.money-card__who {
  font-size: 13px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--color-accent-blue);
  margin-bottom: 12px;
}

.money-card__desc {
  font-size: 15px;
  line-height: 1.65;
  color: var(--color-text);
}

.loan-range__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-9);
  align-items: center;
}

.loan-range__chips {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-3);
  margin-top: var(--space-5);
}

.chip {
  font-size: 13px;
  font-weight: 600;
  color: var(--color-accent-blue);
  background: var(--color-bg-tile);
  border: 1px solid var(--color-border-light);
  border-radius: var(--radius-pill);
  padding: 8px 18px;
}

.loan-range__panel {
  background: transparent;
  border-radius: 12px;
  padding: var(--space-8);
  display: flex;
  align-items: center;
  justify-content: center;
}

.app-section__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-9);
  align-items: center;
}

.app-badge-link {
  display: inline-block;
  margin-top: var(--space-6);
  transition: transform 0.25s ease, opacity 0.25s ease;
}

.app-badge-link:hover { transform: translateY(-2px); opacity: 0.92; }

.app-badge-link:focus-visible {
  outline: 2px solid #fff;
  outline-offset: 4px;
  border-radius: 4px;
}

.visually-hidden {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.app-carousel {
  position: relative;
  width: 248px;
  margin: 0 auto;
}

.app-carousel__glow {
  position: absolute;
  inset: 10% -42%;
  background: radial-gradient(circle, rgba(247, 136, 80, 0.36), transparent 66%);
  filter: blur(28px);
  pointer-events: none;
  z-index: 0;
}

.app-carousel__frame {
  position: relative;
  z-index: 1;
  background: var(--color-dark-deep);
  border-radius: 36px;
  padding: 10px;
  box-shadow: 0 22px 56px rgba(0, 0, 0, 0.38);
}

.app-carousel__notch {
  position: absolute;
  top: 12px;
  left: 50%;
  transform: translateX(-50%);
  width: 96px;
  height: 12px;
  border-radius: 999px;
  background: #0b1221;
  z-index: 3;
}

.app-carousel__screen {
  background: #fff;
  border-radius: 28px;
  overflow: hidden;
  height: 500px;
  position: relative;
  touch-action: pan-y;
}

.app-carousel__slide {
  position: absolute;
  inset: 0;
  opacity: 0;
  transition: opacity 0.45s ease;
  pointer-events: none;
}

.app-carousel__slide.is-active {
  opacity: 1;
  z-index: 1;
  pointer-events: auto;
}

.app-carousel__slide img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: top;
  display: block;
}

.app-screen {
  height: 100%;
  display: flex;
  flex-direction: column;
  background: #fff;
  color: var(--color-text-dark);
}

.app-screen__topbar {
  font-size: 15px;
  font-weight: 800;
  padding: 14px 16px;
  border-bottom: 1px solid var(--color-border-light);
}

.app-screen--offers,
.app-screen--detail,
.app-screen--status {
  padding: 0 12px 14px;
}

.app-offer-card {
  position: relative;
  margin-top: 12px;
  background: #fff;
  border: 1px solid #EEE;
  border-radius: 12px;
  padding: 12px;
  box-shadow: 0 10px 22px rgba(14, 26, 48, 0.08);
}

.app-offer-card--featured {
  border-top: 3px solid var(--color-accent-orange);
}

.app-offer-card__head {
  display: flex;
  justify-content: space-between;
  gap: 8px;
  font-size: 11px;
}

.app-offer-card__head strong {
  font-size: 13px;
}

.app-offer-card__head span {
  color: var(--color-text-muted);
  font-weight: 600;
}

.app-offer-card__meta {
  margin-top: 5px;
  font-size: 12px;
  color: #555;
  font-weight: 600;
}

.app-offer-card__apply {
  margin-top: 10px;
  border: none;
  border-radius: 8px;
  background: var(--color-accent-orange);
  color: #fff;
  font-size: 12px;
  font-weight: 700;
  padding: 8px 14px;
}

.app-detail-list {
  margin-top: 14px;
  display: grid;
  gap: 10px;
}

.app-detail-list div {
  display: flex;
  justify-content: space-between;
  padding: 11px 12px;
  border: 1px solid #EEE;
  border-radius: 10px;
  background: #fff;
}

.app-detail-list dt {
  color: var(--color-text-muted);
  font-size: 12px;
  font-weight: 600;
}

.app-detail-list dd {
  margin: 0;
  font-size: 15px;
  font-weight: 800;
}

.app-detail-cta {
  margin-top: auto;
  margin-bottom: 4px;
  border: none;
  border-radius: 10px;
  background: var(--color-accent-orange);
  color: #fff;
  font-size: 14px;
  font-weight: 800;
  padding: 12px;
}

.app-status-list {
  list-style: none;
  margin-top: 16px;
  display: grid;
  gap: 14px;
  padding-left: 6px;
}

.app-status-list li {
  position: relative;
  padding-left: 28px;
  font-size: 13px;
  font-weight: 700;
  color: var(--color-text-muted);
}

.app-status-list li small {
  display: block;
  font-size: 11px;
  margin-top: 3px;
}

.app-status-list .is-done,
.app-status-list .is-active {
  color: var(--color-text-dark);
}

.app-status-dot {
  position: absolute;
  left: 0;
  top: 1px;
  width: 16px;
  height: 16px;
  border-radius: 50%;
  border: 2px solid #D3D7DF;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 10px;
  font-weight: 800;
}

.app-status-list .is-done .app-status-dot {
  border-color: var(--color-green);
  background: rgba(28, 138, 78, 0.14);
  color: var(--color-green);
}

.app-status-list .is-active .app-status-dot {
  border-color: var(--color-accent-orange);
  background: rgba(247, 136, 80, 0.15);
}

.app-carousel__dots {
  display: flex;
  justify-content: center;
  gap: 10px;
  margin-top: 16px;
}

.app-carousel__dot {
  width: 9px;
  height: 9px;
  border-radius: 50%;
  background: #8D9AB8;
  border: none;
  cursor: pointer;
  padding: 0;
}

.app-carousel__dot.is-active { background: var(--color-accent-orange); }

.app-carousel__dot:focus-visible {
  outline: 2px solid #fff;
  outline-offset: 2px;
}

/* Facts */

.facts-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--grid-gap) var(--space-6);
}

.fact-item {
  display: flex;
  gap: var(--space-4);
  align-items: flex-start;
}

.fact-item__title {
  font-size: 14px;
  font-weight: 800;
  margin-bottom: var(--space-2);
  color: var(--color-text-dark);
}

.fact-item__desc {
  font-size: 13px;
  color: var(--color-text-muted);
  line-height: 1.65;
  max-width: 28em;
}

.final-cta {
  text-align: center;
  padding: var(--space-10) var(--section-x);
}

.final-cta .section-sub { margin: 0 auto var(--space-6); }

/* FAQ (homepage) */

.faq-section__inner {
  max-width: 780px;
  margin: 0 auto;
}

.faq-accordion {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.faq-item {
  border: 1px solid var(--color-border-light);
  border-radius: var(--radius-card);
  background: #fff;
  overflow: hidden;
}

.faq-item[open] {
  border-color: rgba(247, 136, 80, 0.35);
  box-shadow: 0 8px 24px rgba(25, 58, 125, 0.06);
}

.faq-item__question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  padding: var(--space-4) var(--space-5);
  font-size: 15px;
  font-weight: 800;
  color: var(--color-text-dark);
  cursor: pointer;
  list-style: none;
}

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

.faq-item__question::marker { content: ''; }

.faq-item__icon {
  flex-shrink: 0;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: rgba(247, 136, 80, 0.12);
  position: relative;
}

.faq-item__icon::before,
.faq-item__icon::after {
  content: '';
  position: absolute;
  top: 50%;
  left: 50%;
  width: 10px;
  height: 2px;
  background: var(--color-accent-orange);
  border-radius: 2px;
  transform: translate(-50%, -50%);
  transition: transform 0.2s ease;
}

.faq-item__icon::after {
  transform: translate(-50%, -50%) rotate(90deg);
}

.faq-item[open] .faq-item__icon::after {
  transform: translate(-50%, -50%) rotate(0deg);
  opacity: 0;
}

.faq-item__answer {
  padding: 0 var(--space-5) var(--space-5);
  max-width: 620px;
}

.faq-item__answer p {
  font-size: 14px;
  line-height: 1.65;
  color: var(--color-text-muted);
}

.faq-section__support {
  text-align: center;
  margin-top: var(--space-6);
  font-size: 14px;
  font-weight: 600;
  color: var(--color-text-muted);
}

.faq-section__support a {
  color: var(--color-accent-blue);
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.faq-section__support a:hover {
  color: var(--color-accent-orange);
}

.footer {
  background: var(--color-footer);
  color: #fff;
  padding: var(--space-9) 0 0;
}

.footer__grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: var(--space-6);
  padding-bottom: var(--space-8);
}

.footer__logo { margin-bottom: 14px; }

.footer__logo .logo-img { height: 32px; width: auto; }

.footer__brand .app-badge-link { display: none; }

.footer__desc {
  font-size: 13px;
  color: var(--color-text-muted);
  line-height: 1.6;
  max-width: 280px;
}

.footer__heading {
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 16px;
  color: #fff;
}

.footer__links { display: flex; flex-direction: column; gap: 10px; }

.footer__link {
  font-size: 13px;
  color: var(--color-text-muted);
  transition: color 0.2s;
}

.footer__link:hover { color: #fff; }

.footer__link:focus-visible {
  outline: 2px solid var(--color-accent-orange);
  outline-offset: 2px;
}

.footer__disclaimer {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  background: transparent;
  padding: 28px var(--section-x) 24px;
}

.footer__notice {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0;
  border: none;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.08em;
  line-height: 1.5;
  text-align: center;
  text-transform: uppercase;
  color: #eef2fa;
}

.footer__notice + .footer__notice {
  margin-top: 8px;
  margin-bottom: 20px;
  padding-bottom: 20px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.06em;
  color: var(--color-text-muted-on-dark);
}

.footer__disclaimer p {
  font-size: 10px;
  color: var(--color-text-muted);
  line-height: 1.7;
  max-width: var(--container-max);
  margin: 0 auto;
}

.footer__disclaimer p + p {
  margin-top: 10px;
}

.footer__company {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding: 16px var(--section-x) 0;
  text-align: center;
  font-size: 12px;
  line-height: 1.7;
  color: var(--color-text-muted);
}

.footer__company a {
  color: #d7def0;
  font-weight: 600;
}

.footer__company a:hover {
  color: #fff;
  text-decoration: underline;
}

.footer__copy {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding: 16px var(--section-x);
  text-align: center;
  font-size: 12px;
  color: var(--color-text-muted);
}

/* Mobile nav */

.mobile-nav {
  display: none;
  position: fixed;
  inset: 0;
  top: var(--header-height);
  background: var(--color-bg);
  z-index: 199;
  padding: 24px var(--section-x);
  flex-direction: column;
  gap: 8px;
}

.mobile-nav.is-open { display: flex; }

.mobile-nav__link {
  font-size: 16px;
  font-weight: 600;
  padding: 14px 0;
  border-bottom: 1px solid var(--color-border-light);
}

.mobile-nav .btn { margin-top: 16px; width: 100%; }

/* Responsive */

@media (max-width: 1024px) {
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .money-grid { grid-template-columns: 1fr; max-width: 400px; margin: 0 auto; }
  .facts-grid { grid-template-columns: repeat(2, 1fr); }
  .hero-cards { grid-template-columns: 1fr; max-width: 400px; margin-left: auto; margin-right: auto; }
}

@media (max-width: 768px) {
  :root {
    --section-y: var(--section-y-mobile);
    --section-x: var(--section-x-mobile);
    --header-to-content: 32px;
    --grid-gap: 24px;
    --card-padding: 20px;
    --overlap: -48px;
    --trust-after-overlap: 40px;
  }

  body { line-height: 1.6; }

  .nav, .header__actions .btn { display: none; }
  .burger { display: flex; }

  .hero__grid,
  .why-section__grid,
  .loan-range__grid,
  .app-section__grid { grid-template-columns: 1fr; }

  .hero { padding-top: var(--space-8); padding-bottom: 96px; }
  .hero__visual { order: -1; min-height: 340px; }
  .hero-offers-fan { width: min(300px, 92vw); }
  .hero-offers-fan__stack { height: 340px; }
  .hero-offer-card { width: 240px; padding: 16px 18px; }
  .hero-offer-card--back { transform: translateX(calc(-50% - 22px)) rotate(-9deg); }
  .hero-offer-card--mid { top: 72px; transform: translateX(calc(-50% + 18px)) rotate(7deg); }
  .hero-offer-card--front { top: 140px; transform: translateX(calc(-50% - 8px)) rotate(-3deg); }
  .hero-offer-card__apr { font-size: 22px; }

  .steps-grid { grid-template-columns: 1fr; max-width: 360px; margin: 0 auto; }
  .facts-grid { grid-template-columns: 1fr; }

  .footer__grid { grid-template-columns: 1fr 1fr; gap: var(--space-6); }
  .footer__brand { grid-column: 1 / -1; }

  .compare-table th, .compare-table td { padding: 12px 10px; font-size: 12px; }

  .trust-bar__item { flex-direction: column; text-align: center; gap: var(--space-3); }
}

@media (max-width: 480px) {
  .footer__grid { grid-template-columns: 1fr; }
  .trust-bar__list { flex-direction: column; align-items: center; }
  .why-section__stats { flex-direction: column; gap: 20px; }
}