/* ============================================================
   VayMini.vn - Complete Stylesheet
   Design System: Nunito | #0D47A1 primary | #FF6F00 accent
   Last rewrite: 2026-06-03
   ============================================================ */

/* ==========================================================
   1. CUSTOM PROPERTIES
   ========================================================== */
:root {
    --primary: #0D47A1;
    --primary-dark: #0A3580;
    --primary-light: #E3F2FD;
    --accent: #FF6F00;
    --accent-dark: #E65100;
    --accent-light: #FFF3E0;
    --success: #2E7D32;
    --success-light: #E8F5E9;
    --warning: #F57F17;
    --warning-light: #FFF8E1;
    --danger: #C62828;
    --danger-light: #FFEBEE;
    --bg: #F5F7FA;
    --bg-dark: #0D1B2A;
    --bg-darker: #091525;
    --text: #1A2B3C;
    --text-light: #5A6B7C;
    --text-muted: #8A95A5;
    --white: #FFFFFF;
    --border: #E0E6ED;
    --shadow: 0 2px 12px rgba(0, 0, 0, 0.08);
    --shadow-lg: 0 8px 32px rgba(0, 0, 0, 0.12);
    --shadow-xl: 0 16px 48px rgba(0, 0, 0, 0.16);
    --radius: 16px;
    --radius-sm: 10px;
    --radius-xs: 6px;
    --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

/* ==========================================================
   2. RESET & BASE
   ========================================================== */
*,
*::before,
*::after {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    scroll-padding-top: 80px;
    -webkit-text-size-adjust: 100%;
}

body {
    font-family: 'Nunito', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    font-size: 16px;
    line-height: 1.6;
    color: var(--text);
    background: var(--white);
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    overflow-x: hidden;
}

img {
    max-width: 100%;
    height: auto;
    display: block;
}

a {
    text-decoration: none;
    color: inherit;
}

button {
    cursor: pointer;
    font-family: inherit;
    border: none;
    background: none;
}

input,
select,
textarea {
    font-family: inherit;
    font-size: inherit;
}

ul,
ol {
    list-style: none;
}

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

/* ==========================================================
   3. TYPOGRAPHY
   ========================================================== */
h1 {
    font-size: 2.6rem;
    font-weight: 900;
    line-height: 1.15;
}

h2 {
    font-size: 2rem;
    font-weight: 800;
    line-height: 1.2;
}

h3 {
    font-size: 1.2rem;
    font-weight: 700;
    line-height: 1.3;
}

h4 {
    font-size: 1.05rem;
    font-weight: 700;
    line-height: 1.35;
}

.text-gradient {
    background: linear-gradient(135deg, var(--accent), #FF8F00);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

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

/* ==========================================================
   4. UTILITY CLASSES
   ========================================================== */
.sr-only {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
}

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

.section {
    padding: 80px 0;
}

.section-lead {
    text-align: center;
    color: var(--text-light);
    max-width: 640px;
    margin: 0 auto 48px;
    font-size: 1.05rem;
}

.section-title,
.section__title {
    text-align: center;
    margin-bottom: 8px;
}

.section-subtitle,
.section__subtitle {
    text-align: center;
    color: var(--text-light);
    margin-bottom: 48px;
    font-size: 1.05rem;
}

.subtitle {
    color: var(--text-light);
    font-size: 1.05rem;
    margin-bottom: 16px;
}

.separator {
    width: 60px;
    height: 4px;
    background: linear-gradient(90deg, var(--primary), var(--accent));
    border-radius: 2px;
    margin: 16px auto 32px;
}

.last-updated {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 0.85rem;
    color: var(--text-muted);
}

.section--definition,
.section--steps,
.section--why,
.section--conditions {
    background: var(--white);
}

.section--partners,
.section--faq {
    background: var(--bg);
}

.section--testimonials {
    background: var(--white);
}

/* ==========================================================
   5. BUTTONS
   ========================================================== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 14px 28px;
    border: none;
    border-radius: var(--radius-sm);
    font-size: 1rem;
    font-weight: 700;
    transition: var(--transition);
    white-space: nowrap;
    cursor: pointer;
    text-decoration: none;
    line-height: 1.4;
}

.btn-primary,
.btn--primary {
    background: linear-gradient(135deg, var(--accent), var(--accent-dark));
    color: var(--white);
    box-shadow: 0 4px 16px rgba(255, 111, 0, 0.3);
}

.btn-primary:hover,
.btn--primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 24px rgba(255, 111, 0, 0.4);
}

.btn-outline,
.btn--outline {
    background: var(--white);
    color: var(--primary);
    border: 2px solid var(--primary);
}

.btn-outline:hover,
.btn--outline:hover {
    background: var(--primary);
    color: var(--white);
    transform: translateY(-2px);
}

.btn--phone {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 10px 18px;
    background: var(--primary-light);
    color: var(--primary);
    border-radius: var(--radius-sm);
    font-weight: 700;
    font-size: 0.9rem;
    transition: var(--transition);
}

.btn--phone:hover {
    background: var(--primary);
    color: var(--white);
}

.btn--white,
.btn-white {
    background: var(--white);
    color: var(--primary);
    font-weight: 700;
}

.btn--white:hover,
.btn-white:hover {
    background: rgba(255, 255, 255, 0.9);
    transform: translateY(-2px);
}

.btn-full,
.btn--block {
    width: 100%;
    display: flex;
}

.btn-lg,
.btn--lg {
    padding: 16px 32px;
    font-size: 1.1rem;
}

.btn-sm,
.btn--sm {
    padding: 10px 18px;
    font-size: 0.85rem;
}

/* ==========================================================
   6. HEADER (Sticky, Glass Effect)
   ========================================================== */
.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    border-bottom: 1px solid var(--border);
    transition: var(--transition);
}

body {
    padding-top: 72px;
}

.header__inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
    height: 72px;
}

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

.header__nav {
    display: flex;
    align-items: center;
}

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

.header__hamburger {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
    z-index: 1001;
}

.hamburger__line {
    display: block;
    width: 24px;
    height: 2.5px;
    background: var(--text);
    border-radius: 2px;
    transition: var(--transition);
}

.header__hamburger.active .hamburger__line:nth-child(1) {
    transform: rotate(45deg) translate(5px, 5px);
}

.header__hamburger.active .hamburger__line:nth-child(2) {
    opacity: 0;
}

.header__hamburger.active .hamburger__line:nth-child(3) {
    transform: rotate(-45deg) translate(5px, -5px);
}

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

.logo-text {
    font-size: 1.5rem;
    font-weight: 900;
    color: var(--primary);
    display: flex;
    align-items: center;
    gap: 0;
}

.logo-text::before {
    margin-right: 8px;
}

.logo-text::before {
    content: '';
    width: 24px;
    height: 24px;
    flex-shrink: 0;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230D47A1' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Crect x='2' y='6' width='20' height='14' rx='3'/%3E%3Cpath d='M2 10h20'/%3E%3Ccircle cx='18' cy='15' r='1.5' fill='%23FF6F00' stroke='%23FF6F00'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-size: contain;
}

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

.logo-icon {
    width: 36px;
    height: 36px;
    background: var(--primary);
    color: var(--white);
    border-radius: 8px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-weight: 900;
    font-size: 1.1rem;
}

/* Navigation */
.nav {
    display: flex;
    align-items: center;
}

.nav-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
}

.nav__list {
    display: flex;
    align-items: center;
    gap: 4px;
    list-style: none;
}

.nav__item {
    position: relative;
}

.nav__link {
    display: block;
    padding: 10px 16px;
    color: var(--text);
    font-weight: 600;
    font-size: 0.95rem;
    border-radius: var(--radius-xs);
    transition: var(--transition);
    text-decoration: none;
}

.nav__link:hover {
    color: var(--primary);
    background: var(--primary-light);
}

.nav__link--active {
    color: var(--primary);
    background: var(--primary-light);
}

/* ==========================================================
   7. BREADCRUMB
   ========================================================== */
.breadcrumb {
    padding: 16px 0;
    background: var(--bg);
    border-bottom: 1px solid var(--border);
}

/* Breadcrumb inside hero sections: transparent, inherits hero color */
.article-hero .breadcrumb,
.about-hero .breadcrumb,
.policy-hero .breadcrumb,
.blog-hero .breadcrumb,
.contact-hero .breadcrumb {
    background: transparent;
    border-bottom: none;
    padding: 0 0 12px;
    opacity: 0.75;
}

.article-hero .breadcrumb a,
.about-hero .breadcrumb a,
.policy-hero .breadcrumb a,
.blog-hero .breadcrumb a,
.contact-hero .breadcrumb a {
    color: inherit;
    opacity: 1;
}

.article-hero .breadcrumb a:hover,
.about-hero .breadcrumb a:hover,
.policy-hero .breadcrumb a:hover,
.blog-hero .breadcrumb a:hover,
.contact-hero .breadcrumb a:hover {
    text-decoration: underline;
}

.breadcrumb__list {
    display: flex;
    align-items: center;
    gap: 8px;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
    list-style: none;
    font-size: 0.85rem;
    color: var(--text-muted);
    flex-wrap: wrap;
}

.breadcrumb__item {
    display: flex;
    align-items: center;
    gap: 8px;
}

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

.breadcrumb__item a:hover {
    text-decoration: underline;
}

.breadcrumb__item--active {
    color: var(--text);
    font-weight: 600;
}

.sep {
    color: var(--text-muted);
    font-size: 0.75rem;
}

/* ==========================================================
   8. HERO (Homepage)
   ========================================================== */
.hero {
    background: linear-gradient(135deg, #0A3580 0%, #0D47A1 40%, #1565C0 100%);
    color: var(--white);
    padding: 60px 0;
    position: relative;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -20%;
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(255, 111, 0, 0.12) 0%, transparent 70%);
    border-radius: 50%;
    pointer-events: none;
}

.hero__inner {
    display: grid;
    grid-template-columns: 1fr 420px;
    gap: 48px;
    align-items: center;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

.hero__content {
    position: relative;
    z-index: 1;
}

.hero__meta {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 16px;
    flex-wrap: wrap;
}

.hero__badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 6px 14px;
    background: rgba(255, 111, 0, 0.2);
    color: var(--accent-light);
    border-radius: 50px;
    font-size: 0.8rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.hero__updated {
    font-size: 0.8rem;
    color: rgba(255, 255, 255, 0.7);
}

.hero__title {
    font-size: 2.6rem;
    font-weight: 900;
    line-height: 1.15;
    margin-bottom: 16px;
}

.hero__quick-answer {
    background: rgba(255, 255, 255, 0.1);
    backdrop-filter: blur(10px);
    border: 1px solid rgba(255, 255, 255, 0.15);
    border-radius: var(--radius);
    padding: 20px 24px;
    margin-bottom: 20px;
    font-size: 1.05rem;
    line-height: 1.6;
}

.hero__pills {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 20px;
}

.pill {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 8px 16px;
    background: rgba(255, 255, 255, 0.12);
    border: 1px solid rgba(255, 255, 255, 0.2);
    border-radius: 50px;
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--white);
}

.hero__trust {
    display: flex;
    align-items: center;
    gap: 16px;
    margin-bottom: 24px;
    font-size: 0.9rem;
    color: rgba(255, 255, 255, 0.8);
}

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

/* Hero Calculator (right column) */
.hero__calculator {
    position: relative;
    z-index: 1;
}

/* ==========================================================
   9. CALCULATOR CARD (Homepage inline)
   ========================================================== */
.calc__header {
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    color: var(--white);
    padding: 24px 28px;
    border-radius: var(--radius) var(--radius) 0 0;
    display: flex;
    align-items: center;
    gap: 12px;
}

.calc__header::before {
    content: '';
    width: 36px;
    height: 36px;
    background: rgba(255,255,255,0.15);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='18' height='18' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='2'%3E%3Crect x='2' y='3' width='20' height='14' rx='2'/%3E%3Cpath d='M2 10h20'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: center;
}

.calc__title {
    font-size: 1.15rem;
    font-weight: 800;
}

.calc__body {
    background: var(--white);
    padding: 28px;
    border-radius: 0 0 var(--radius) var(--radius);
    box-shadow: var(--shadow-xl);
}

.calc__group {
    margin-bottom: 24px;
}

.calc__label {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 12px;
    font-weight: 600;
    font-size: 0.9rem;
    color: var(--text);
}

.calc__output {
    font-weight: 900;
    color: var(--accent);
    font-size: 1.2rem;
}

.calc__slider {
    width: 100%;
    margin-bottom: 6px;
}

.calc__range {
    display: flex;
    justify-content: space-between;
    font-size: 0.75rem;
    color: var(--text-muted);
}

.calc__summary {
    background: linear-gradient(135deg, var(--primary-light), #EBF5FF);
    border-radius: var(--radius-sm);
    padding: 20px;
    margin-top: 20px;
    border: 1px solid rgba(13, 71, 161, 0.1);
}

.calc__summary-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 10px 0;
    font-size: 0.85rem;
    color: var(--text-light);
    gap: 12px;
}

.calc__summary-row:not(:last-child) {
    border-bottom: 1px solid rgba(13, 71, 161, 0.1);
}

.calc__summary-row strong {
    color: var(--primary);
    font-size: 0.85rem;
    white-space: nowrap;
}

.calc__btn {
    width: 100%;
    margin-top: 16px;
}

/* Slider base styling */
.slider,
input[type="range"] {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 6px;
    background: var(--border);
    border-radius: 3px;
    outline: none;
    transition: var(--transition);
}

.slider::-webkit-slider-thumb,
input[type="range"]::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--primary);
    cursor: pointer;
    border: 3px solid var(--white);
    box-shadow: 0 2px 8px rgba(13, 71, 161, 0.3);
}

.slider::-moz-range-thumb,
input[type="range"]::-moz-range-thumb {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--primary);
    cursor: pointer;
    border: 3px solid var(--white);
    box-shadow: 0 2px 8px rgba(13, 71, 161, 0.3);
}

/* ==========================================================
   10. STATS BAR
   ========================================================== */
.stats {
    background: var(--white);
    border-bottom: 1px solid var(--border);
    padding: 40px 0;
}

.stats__inner {
    display: flex;
    justify-content: center;
    gap: 0;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
    text-align: center;
}

.stat__item {
    flex: 1;
    padding: 16px 24px;
    position: relative;
}

.stat__item:not(:last-child)::after {
    content: '';
    position: absolute;
    right: 0;
    top: 20%;
    height: 60%;
    width: 1px;
    background: var(--border);
}

.stat__number,
.stat-number {
    display: block;
    font-size: 2rem;
    font-weight: 900;
    color: var(--primary);
    line-height: 1.2;
}

.stat__label,
.stat-label {
    display: block;
    font-size: 0.85rem;
    color: var(--text-light);
    margin-top: 4px;
}

.stat-card {
    background: var(--white);
    border-radius: var(--radius);
    padding: 24px;
    text-align: center;
    box-shadow: var(--shadow);
}

/* ==========================================================
   11. STEPS / HOW IT WORKS (Homepage)
   ========================================================== */
.steps__grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

.step__card {
    background: var(--white);
    border-radius: var(--radius);
    padding: 32px 24px;
    text-align: center;
    position: relative;
    box-shadow: var(--shadow);
    transition: var(--transition);
}

.step__card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}

.step__number {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 36px;
    height: 36px;
    background: var(--primary);
    color: var(--white);
    border-radius: 50%;
    font-weight: 800;
    font-size: 0.9rem;
    margin-bottom: 16px;
}

.step__icon {
    font-size: 2.5rem;
    margin-bottom: 16px;
    display: block;
}

.step__title {
    font-size: 1.05rem;
    font-weight: 700;
    margin-bottom: 8px;
    color: var(--text);
}

.step__desc {
    font-size: 0.9rem;
    color: var(--text-light);
    line-height: 1.6;
}

.step__arrow {
    display: none;
    position: absolute;
    right: -24px;
    top: 50%;
    transform: translateY(-50%);
    font-size: 1.5rem;
    color: var(--primary);
}

/* ==========================================================
   12. PARTNERS / OFFERS V2 (Homepage)
   ========================================================== */
.offers-v2-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

.offer-v2 {
    background: var(--white);
    border-radius: var(--radius);
    border: 1px solid var(--border);
    transition: var(--transition);
    position: relative;
    margin-bottom: 32px;
    box-shadow: 0 1px 4px rgba(0,0,0,0.04);
    display: flex;
    flex-direction: column;
}

.offer-v2:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}

.offer-v2--recommended {
    border: 2px solid var(--accent);
}

.offer-v2__badge {
    position: absolute;
    top: 0;
    right: 20px;
    background: var(--accent);
    color: var(--white);
    padding: 6px 14px;
    border-radius: 0 0 var(--radius-xs) var(--radius-xs);
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.offer-v2__top {
    padding: 24px 24px 16px;
    display: flex;
    align-items: center;
    gap: 16px;
}

.offer-v2__logo {
    width: 130px;
    height: 48px;
    border-radius: var(--radius-sm);
    padding: 0;
    border: 1px solid var(--border);
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--white);
    flex-shrink: 0;
    overflow: hidden;
}

.offer-v2__logo img {
    max-width: 100%;
    max-height: 100%;
    object-fit: contain;
    font-size: 0;
}

.offer-v2__name {
    font-size: 1.1rem;
    font-weight: 800;
    color: var(--text);
}

.offer-v2__usp {
    font-size: 0.85rem;
    color: var(--text-light);
    margin-top: 4px;
}

.offer-v2__body {
    padding: 0 24px;
    flex: 1;
}

.offer-v2__stats {
    display: grid;
    grid-template-columns: 1fr 1fr;
    margin: 0 24px;
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    overflow: hidden;
}

.offer-v2__stat {
    display: flex;
    flex-direction: column;
    gap: 4px;
    padding: 16px;
    background: var(--bg);
    border-bottom: 1px solid var(--border);
    border-right: 1px solid var(--border);
}

.offer-v2__stat:nth-child(2n) {
    border-right: none;
}

.offer-v2__stat:nth-last-child(-n+2) {
    border-bottom: none;
}

.offer-v2__stat-icon {
    font-size: 1rem;
    margin-bottom: 2px;
}

.offer-v2__stat-label {
    font-size: 0.75rem;
    color: var(--text-muted);
    text-transform: uppercase;
    letter-spacing: 0.3px;
}

.offer-v2__stat-value {
    font-size: 1rem;
    font-weight: 700;
    color: var(--text);
}

.offer-v2__stat-value--accent {
    color: var(--accent);
}

.offer-v2__stat-value--success {
    color: var(--success);
}

.offer-v2__features {
    padding: 0 24px 16px;
    display: flex;
    flex-wrap: wrap;
    gap: 6px;
}

.offer-v2__features span {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    font-size: 0.8rem;
    color: var(--success);
    background: var(--success-light);
    padding: 4px 10px;
    border-radius: 50px;
    font-weight: 600;
}

.offer-v2__example {
    padding: 12px 24px;
    background: var(--bg);
    font-size: 0.85rem;
    color: var(--text-light);
    border-top: 1px solid var(--border);
}

.offer-v2__cta {
    padding: 16px 24px 24px;
    margin-top: auto;
}

.offer-v2__cta .btn {
    width: 100%;
}

.partners__more {
    text-align: center;
    margin-top: 32px;
}

/* ==========================================================
   13. WHY CHOOSE US
   ========================================================== */
.why__grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

.why__card {
    background: var(--white);
    border-radius: var(--radius);
    padding: 32px 24px;
    text-align: center;
    box-shadow: var(--shadow);
    transition: var(--transition);
    border: 1px solid var(--border);
}

.why__card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}

.why__icon {
    font-size: 2.5rem;
    margin-bottom: 16px;
    display: block;
}

.why__title {
    font-size: 1.05rem;
    font-weight: 700;
    margin-bottom: 8px;
    color: var(--text);
}

.why__desc {
    font-size: 0.9rem;
    color: var(--text-light);
    line-height: 1.6;
}

.trust-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

.trust-card {
    background: var(--white);
    border-radius: var(--radius);
    padding: 32px 24px;
    text-align: center;
    box-shadow: var(--shadow);
    transition: var(--transition);
}

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

.trust-icon {
    width: 56px;
    height: 56px;
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 16px;
    font-size: 1.5rem;
    background: var(--primary-light);
    color: var(--primary);
}

.trust-icon--blue {
    background: var(--primary-light);
    color: var(--primary);
}

.trust-icon--green {
    background: var(--success-light);
    color: var(--success);
}

.trust-icon--orange {
    background: var(--accent-light);
    color: var(--accent);
}

.trust-card h3 {
    margin-bottom: 12px;
}

.trust-card p {
    font-size: 0.9rem;
    color: var(--text-light);
    line-height: 1.6;
}

/* ==========================================================
   14. CONDITIONS
   ========================================================== */
.conditions__grid,
.conditions-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

.condition__card,
.condition-item {
    background: var(--white);
    border-radius: var(--radius);
    padding: 28px 24px;
    text-align: center;
    box-shadow: var(--shadow);
    transition: var(--transition);
    border: 1px solid var(--border);
}

.condition__card:hover,
.condition-item:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}

.condition__icon,
.condition-icon {
    font-size: 2.2rem;
    margin-bottom: 16px;
    display: block;
}

.condition__title {
    font-size: 1.05rem;
    font-weight: 700;
    margin-bottom: 8px;
    color: var(--text);
}

.condition__desc {
    font-size: 0.9rem;
    color: var(--text-light);
    line-height: 1.6;
}

/* ==========================================================
   15. TESTIMONIALS
   ========================================================== */
.testimonials__grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

.testimonial__card {
    background: var(--white);
    border-radius: var(--radius);
    padding: 32px 28px;
    box-shadow: var(--shadow);
    position: relative;
    transition: var(--transition);
    border: 1px solid var(--border);
}

.testimonial__card::before {
    content: '\201C';
    position: absolute;
    top: 16px;
    left: 24px;
    font-size: 4rem;
    font-family: Georgia, serif;
    color: var(--primary-light);
    line-height: 1;
    pointer-events: none;
}

.testimonial__card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}

.testimonial__stars {
    display: flex;
    gap: 2px;
    margin-bottom: 16px;
    color: var(--accent);
    font-size: 1rem;
}

.testimonial__quote {
    font-size: 0.95rem;
    color: var(--text);
    line-height: 1.7;
    margin-bottom: 20px;
    position: relative;
    z-index: 1;
    font-style: italic;
}

.testimonial__author {
    display: flex;
    align-items: center;
    gap: 12px;
    border-top: 1px solid var(--border);
    padding-top: 16px;
}

.testimonial__avatar {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: var(--primary-light);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    color: var(--primary);
    font-size: 1rem;
    flex-shrink: 0;
}

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

.testimonial__name {
    font-weight: 700;
    font-size: 0.9rem;
    color: var(--text);
}

.testimonial__location {
    font-size: 0.8rem;
    color: var(--text-muted);
}

/* ==========================================================
   16. FAQ
   ========================================================== */
.faq-list,
.faq__list {
    max-width: 800px;
    margin: 0 auto;
    padding: 0 20px;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

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

.faq-item.active,
.faq__item.active {
    box-shadow: var(--shadow);
    border-color: var(--primary-light);
}

.faq-question,
.faq__question {
    display: flex;
    align-items: center;
    justify-content: space-between;
    width: 100%;
    padding: 18px 24px;
    background: none;
    border: none;
    cursor: pointer;
    font-size: 1rem;
    font-weight: 700;
    color: var(--text);
    text-align: left;
    font-family: inherit;
    gap: 16px;
    transition: var(--transition);
}

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

.faq-toggle,
.faq__icon {
    flex-shrink: 0;
    width: 24px;
    height: 24px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.2rem;
    transition: var(--transition);
    color: var(--text-muted);
}

.faq-item.active .faq-toggle,
.faq__item.active .faq__icon {
    transform: rotate(180deg);
    color: var(--primary);
}

.faq-answer,
.faq__answer {
    display: none;
    padding: 0 24px 20px;
    font-size: 0.95rem;
    color: var(--text-light);
    line-height: 1.7;
}

.faq-item.active .faq-answer,
.faq__item.active .faq__answer {
    display: block;
}

.article-faq {
    margin: 32px 0;
}

.article-faq .faq-list,
.article-faq .faq__list {
    padding: 0;
}

/* ==========================================================
   17. CTA SECTION
   ========================================================== */
.cta-section,
.section--cta {
    background: linear-gradient(135deg, #0A3580, #0D47A1 50%, #1565C0);
    color: var(--white);
    padding: 80px 0;
    text-align: center;
    margin-bottom: 4px;
}

.cta-section p,
.section--cta p {
    margin-bottom: 32px;
}

.cta__inner {
    max-width: 700px;
    margin: 0 auto;
    padding: 0 20px;
}

.cta__title {
    font-size: 2rem;
    font-weight: 800;
    margin-bottom: 16px;
}

.cta__desc {
    font-size: 1.05rem;
    color: rgba(255, 255, 255, 0.85);
    margin-bottom: 32px;
    line-height: 1.6;
}

.cta__btn {
    display: inline-flex;
}

/* ==========================================================
   18. FOOTER (5-column grid)
   ========================================================== */
.footer {
    background: var(--bg-dark);
    color: rgba(255, 255, 255, 0.8);
}

.footer__top {
    display: grid;
    grid-template-columns: 1.6fr 1fr 1fr 1fr;
    gap: 32px;
    max-width: 1200px;
    margin: 0 auto;
    padding: 60px 20px 40px;
}

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

.footer__col--brand {
    padding-right: 24px;
}

.footer__logo {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 16px;
    text-decoration: none;
}

.footer__logo .logo-text,
.footer .logo-text {
    color: var(--white);
}

.footer .logo-text::before {
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Crect x='2' y='6' width='20' height='14' rx='3'/%3E%3Cpath d='M2 10h20'/%3E%3Ccircle cx='18' cy='15' r='1.5' fill='%23FF6F00' stroke='%23FF6F00'/%3E%3C/svg%3E");
}

.footer__desc {
    font-size: 0.9rem;
    color: rgba(255, 255, 255, 0.6);
    line-height: 1.7;
    margin-bottom: 20px;
}

.footer__social {
    display: flex;
    gap: 10px;
}

.social__link {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 38px;
    height: 38px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.1);
    color: rgba(255, 255, 255, 0.7);
    transition: var(--transition);
    text-decoration: none;
    font-size: 1rem;
}

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

.footer__heading {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--white);
    margin-bottom: 20px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.footer__links {
    display: flex;
    flex-direction: column;
    gap: 10px;
    list-style: none;
}

.footer__links a {
    color: rgba(255, 255, 255, 0.6);
    font-size: 0.9rem;
    transition: var(--transition);
    text-decoration: none;
}

.footer__links a:hover {
    color: var(--white);
    padding-left: 4px;
}

.footer__bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    max-width: 1200px;
    margin: 0 auto;
    padding: 24px 20px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 16px;
}

.footer__copyright {
    font-size: 0.85rem;
    color: rgba(255, 255, 255, 0.5);
}

.footer__disclaimer {
    font-size: 0.8rem;
    color: rgba(255, 255, 255, 0.4);
    line-height: 1.6;
    max-width: 600px;
}

/* ==========================================================
   19. STICKY BAR
   ========================================================== */
.sticky-bar {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    background: var(--white);
    border-top: 1px solid var(--border);
    box-shadow: 0 -4px 20px rgba(0, 0, 0, 0.1);
    z-index: 999;
    padding: 12px 0;
    transform: translateY(100%);
    transition: var(--transition);
}

.sticky-bar.active {
    transform: translateY(0);
}

.sticky-bar__inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
    gap: 16px;
}

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

.sticky-bar__amount {
    font-weight: 800;
    font-size: 1.1rem;
    color: var(--primary);
}

.sticky-bar__term {
    font-size: 0.9rem;
    color: var(--text-light);
}

.sticky-bar__separator {
    width: 1px;
    height: 24px;
    background: var(--border);
}

.sticky-bar__btn {
    flex-shrink: 0;
}

/* ==========================================================
   20. MODALS
   ========================================================== */
.modal__overlay {
    position: fixed;
    inset: 0;
    background: rgba(0, 0, 0, 0.6);
    backdrop-filter: blur(4px);
    z-index: 2000;
    display: none;
    align-items: center;
    justify-content: center;
    padding: 20px;
    opacity: 0;
    transition: opacity 0.3s ease;
}

.modal__overlay.active {
    display: flex;
    opacity: 1;
}

.modal {
    position: fixed;
    inset: 0;
    background: rgba(0, 0, 0, 0.6);
    backdrop-filter: blur(4px);
    z-index: 2000;
    display: none;
    align-items: center;
    justify-content: center;
    padding: 20px;
}

.modal.active {
    display: flex;
}

.modal__content {
    background: var(--white);
    border-radius: var(--radius);
    width: 100%;
    max-width: 520px;
    max-height: 90vh;
    overflow-y: auto;
    scrollbar-width: none;
    position: relative;
    box-shadow: var(--shadow-xl);
    animation: fadeInUp 0.3s ease;
}

.modal__content::-webkit-scrollbar {
    display: none;
}

.modal__content--loading {
    max-width: 400px;
    text-align: center;
    padding: 48px 32px;
    overflow: hidden;
}

.modal__content--offers {
    max-width: 720px;
}

.modal__content--offers .offers__list {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
}

@media (max-width: 640px) {
    .modal__content--offers .offers__list {
        grid-template-columns: 1fr;
    }
}

.modal__close {
    position: absolute;
    top: 16px;
    right: 16px;
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: var(--bg);
    border: none;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.2rem;
    color: var(--text-muted);
    transition: var(--transition);
    z-index: 1;
}

.modal__close:hover {
    background: var(--danger-light);
    color: var(--danger);
}

.modal__header {
    padding: 24px 24px 0;
}

.modal__title {
    font-size: 1.3rem;
    font-weight: 800;
    color: var(--text);
    padding-right: 40px;
}

.modal__body {
    padding: 24px;
}

/* Modal Form */
.form {
    display: flex;
    flex-direction: column;
    gap: 4px;
}

.form__group,
.form-group {
    display: flex;
    flex-direction: column;
    gap: 6px;
    margin-bottom: 16px;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
}

.form-subtitle {
    font-size: 1rem;
    font-weight: 700;
    color: var(--text);
    margin: 8px 0;
    padding-bottom: 8px;
    border-bottom: 1px solid var(--border);
}

.form__label {
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--text);
}

.form__input,
.form__select {
    padding: 12px 16px;
    border: 1px solid var(--border);
    border-radius: var(--radius-xs);
    font-size: 1rem;
    color: var(--text);
    background: var(--white);
    transition: var(--transition);
    width: 100%;
}

.form__input:focus,
.form__select:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(13, 71, 161, 0.1);
}

.form__select {
    cursor: pointer;
    -webkit-appearance: none;
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%235A6B7C' d='M6 8L1 3h10z'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 14px center;
    padding-right: 36px;
}

.form__submit {
    width: 100%;
    margin-top: 8px;
}

.form__loan-summary {
    background: var(--bg);
    border-radius: var(--radius-sm);
    padding: 16px;
    margin-bottom: 16px;
}

.form__summary-item {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 6px 0;
    font-size: 0.9rem;
}

.form__summary-item:not(:last-child) {
    border-bottom: 1px solid var(--border);
}

.form__privacy {
    font-size: 0.8rem;
    color: var(--text-muted);
    text-align: center;
    margin-top: 12px;
}

.form__error {
    font-size: 0.8rem;
    color: var(--danger);
    margin-top: 4px;
}

/* Loading State */
.modal__content--loading {
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    color: var(--white);
    padding: 48px 40px;
    text-align: center;
}

.modal__content--loading .modal__title {
    color: var(--white);
    font-size: 1.3rem;
    margin-bottom: 24px;
    padding-right: 0;
}

.loading__spinner-wrap {
    position: relative;
    width: 80px;
    height: 80px;
    margin: 0 auto 24px;
}

.loading__spinner {
    position: absolute;
    inset: 0;
}

.spinner {
    width: 80px;
    height: 80px;
    border: 4px solid rgba(255,255,255,0.2);
    border-top-color: var(--white);
    border-radius: 50%;
    animation: spin 0.8s linear infinite;
}

.loading__countdown {
    position: absolute;
    inset: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2rem;
    font-weight: 900;
    color: var(--white);
}

.loading__steps {
    display: flex;
    flex-direction: column;
    gap: 14px;
    text-align: left;
    margin-top: 28px;
    background: rgba(255,255,255,0.08);
    border-radius: var(--radius-sm);
    padding: 20px 24px;
}

.loading__step {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 0.9rem;
    color: rgba(255,255,255,0.5);
    transition: var(--transition);
}

.loading__step.active {
    color: var(--white);
    font-weight: 600;
}

.loading__step.done {
    color: rgba(255,255,255,0.7);
}

.loading__check {
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: rgba(255,255,255,0.15);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.7rem;
    flex-shrink: 0;
}

.loading__step.active .loading__check {
    background: var(--accent);
    color: var(--white);
}

.loading__step.done .loading__check {
    background: var(--success);
    color: var(--white);
}

/* Offers List (in modal) */
.offers__list {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.offers__subtitle {
    font-size: 0.9rem;
    color: var(--text-light);
    margin-bottom: 8px;
}

.offer__card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 0;
    display: flex;
    flex-direction: column;
    transition: var(--transition);
    overflow: hidden;
    position: relative;
}

.offer__card:hover {
    border-color: var(--primary-light);
    box-shadow: var(--shadow-lg);
}

.offer__card--featured {
    border: 2px solid var(--accent);
}

.offer__badge {
    position: absolute;
    top: 0;
    right: 16px;
    background: var(--accent);
    color: var(--white);
    padding: 4px 12px;
    border-radius: 0 0 var(--radius-xs) var(--radius-xs);
    font-size: 0.75rem;
    font-weight: 700;
}

.offer__top {
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 20px 20px 12px;
}

.offer__top img {
    width: 110px;
    height: 40px;
    border-radius: var(--radius-sm);
    border: 1px solid var(--border);
    object-fit: contain;
    flex-shrink: 0;
    overflow: hidden;
    font-size: 0;
    background: var(--white);
    padding: 0;
}

.offer__usp {
    font-size: 0.82rem;
    color: var(--text-light);
    margin-top: 2px;
}

.offer__stats {
    display: grid;
    grid-template-columns: 1fr 1fr;
    border-top: 1px solid var(--border);
    margin: 0;
}

.offer__stats > div {
    padding: 10px 16px;
    border-bottom: 1px solid var(--border);
    border-right: 1px solid var(--border);
    display: flex;
    flex-direction: column;
    gap: 2px;
}

.offer__stats > div:nth-child(2n) {
    border-right: none;
}

.offer__stats > div:nth-last-child(-n+2) {
    border-bottom: none;
}

.offer__stat-label {
    font-size: 0.7rem;
    color: var(--text-muted);
    text-transform: uppercase;
    letter-spacing: 0.3px;
}

.offer__stats strong {
    font-size: 0.9rem;
    color: var(--text);
}

.offer__card .btn {
    margin: 16px 20px 20px;
    display: flex;
    width: calc(100% - 40px);
}

.offer__name {
    font-weight: 800;
    font-size: 1rem;
    color: var(--text);
}

.offer__rate {
    font-size: 0.85rem;
    color: var(--success);
    font-weight: 600;
}

.offer__badge {
    display: inline-flex;
    padding: 3px 8px;
    background: var(--accent-light);
    color: var(--accent);
    border-radius: 50px;
    font-size: 0.7rem;
    font-weight: 700;
    margin-left: 8px;
}

.offer__details {
    font-size: 0.8rem;
    color: var(--text-light);
    margin-top: 4px;
}

.offer__cta {
    flex-shrink: 0;
}

/* ==========================================================
   21. ARTICLE HERO
   ========================================================== */
.article-hero {
    background: linear-gradient(135deg, #0A3580 0%, #0D47A1 40%, #1565C0 100%);
    color: var(--white);
    padding: 48px 0;
}

.article-hero .container {
    max-width: 900px;
}

.article-hero h1 {
    font-size: 2.2rem;
    font-weight: 900;
    line-height: 1.2;
    margin-bottom: 16px;
}

.article-meta {
    display: flex;
    align-items: center;
    gap: 12px;
    flex-wrap: wrap;
    font-size: 0.85rem;
    color: rgba(255, 255, 255, 0.7);
    margin-bottom: 20px;
}

.meta-sep {
    color: rgba(255, 255, 255, 0.3);
}

.updated-badge {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    padding: 4px 12px;
    background: rgba(255, 255, 255, 0.15);
    border-radius: 50px;
    font-size: 0.8rem;
    color: rgba(255, 255, 255, 0.9);
}

/* Quick Answer - glass when inside hero */
.article-hero .quick-answer {
    background: rgba(255, 255, 255, 0.1);
    backdrop-filter: blur(10px);
    border: 1px solid rgba(255, 255, 255, 0.15);
    border-radius: var(--radius);
    padding: 20px 24px;
    font-size: 1rem;
    line-height: 1.7;
    color: rgba(255, 255, 255, 0.95);
}

.article-hero .quick-answer-label,
.article-hero .quick-answer strong:first-child {
    color: #FFD54F;
}

/* Quick Answer - standalone (in article body) */
.quick-answer {
    background: var(--white);
    border-left: 4px solid var(--primary);
    border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
    padding: 20px 24px;
    margin: 24px 0;
    font-size: 0.95rem;
    line-height: 1.7;
    color: var(--text);
    box-shadow: var(--shadow);
}

.quick-answer-label {
    display: block;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 8px;
    font-size: 0.85rem;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

/* ==========================================================
   22. ARTICLE BODY
   ========================================================== */
.article-body {
    padding: 48px 0 80px;
}

/* Article body container: narrower than global container for readability */
.article-body > .container {
    max-width: 820px;
}

.article-content {
    max-width: 820px;
    margin: 0 auto;
    padding: 0 20px;
}

.article-content p {
    font-size: 1rem;
    line-height: 1.85;
    margin-bottom: 20px;
    color: var(--text);
}

.article-content a:not(.btn) {
    color: var(--primary);
    text-decoration: underline;
    text-decoration-color: rgba(13, 71, 161, 0.3);
    text-underline-offset: 3px;
    transition: var(--transition);
}

.article-content a:not(.btn):hover {
    text-decoration-color: var(--primary);
}

.article-content ul,
.article-content ol {
    margin: 16px 0 24px 24px;
}

.article-content ul {
    list-style: disc;
}

.article-content ol {
    list-style: decimal;
}

.article-content li {
    margin-bottom: 8px;
    line-height: 1.7;
    font-size: 1rem;
}

.article-content img {
    border-radius: var(--radius-sm);
    margin: 24px 0;
}

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

.article-body h2,
.article-content h2,
.article-section h2 {
    font-size: 1.5rem;
    font-weight: 800;
    margin: 48px 0 20px;
    padding-bottom: 14px;
    position: relative;
    border-bottom: 2px solid var(--border);
    color: var(--text);
    color: var(--text);
}

.article-body h2::after,
.article-content h2::after,
.article-section h2::after {
    content: '';
    position: absolute;
    bottom: -2px;
    left: 0;
    width: 48px;
    height: 3px;
    background: linear-gradient(90deg, var(--primary), var(--accent));
    border-radius: 2px;
}

.article-body h2:first-of-type {
    margin-top: 0;
}

.article-body h3,
.article-content h3,
.article-section h3 {
    font-size: 1.15rem;
    font-weight: 700;
    margin: 28px 0 12px;
    color: var(--text);
}

.article-body p,
.article-body > .container > p {
    font-size: 1rem;
    line-height: 1.85;
    margin-bottom: 20px;
    color: var(--text-light);
}

.article-body p strong {
    color: var(--text);
}

.article-body a:not(.btn) {
    color: var(--primary);
    text-decoration: underline;
    text-decoration-color: rgba(13,71,161,0.3);
    text-underline-offset: 3px;
}

.article-body a:not(.btn):hover {
    text-decoration-color: var(--primary);
}

.article-body ul,
.article-body ol {
    margin: 12px 0 24px 24px;
    font-size: 1rem;
    line-height: 1.8;
    color: var(--text-light);
}

.article-body ul { list-style: disc; }
.article-body ol { list-style: decimal; }
.article-body li { margin-bottom: 8px; }

/* ==========================================================
   23. TABLE OF CONTENTS
   ========================================================== */
.toc {
    background: var(--bg);
    border-left: 4px solid var(--primary);
    border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
    padding: 24px 28px;
    margin: 24px 0 32px;
}

.toc-title,
.toc h2,
.toc h3 {
    font-size: 1.05rem;
    font-weight: 800;
    color: var(--text);
    margin: 0 0 16px;
    padding: 0;
    border: none;
}

.toc ol {
    list-style: none;
    counter-reset: toc-counter;
    columns: 2;
    column-gap: 32px;
}

.toc li {
    counter-increment: toc-counter;
    margin-bottom: 10px;
    break-inside: avoid;
}

.toc li::before {
    content: counter(toc-counter) ". ";
    font-weight: 700;
    color: var(--primary);
}

.toc a {
    color: var(--text-light);
    text-decoration: none;
    font-size: 0.9rem;
    transition: var(--transition);
}

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

/* ==========================================================
   24. OFFER TABLE V2 (Article pages)
   ========================================================== */
.offer-table-wrapper {
    overflow-x: auto;
    margin: 24px 0;
    border-radius: var(--radius-sm);
    box-shadow: var(--shadow);
    -webkit-overflow-scrolling: touch;
}

.offer-table-v2 {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.9rem;
    min-width: 700px;
}

.offer-table-v2 thead {
    background: var(--primary);
    color: var(--white);
}

.offer-table-v2 th {
    padding: 14px 16px;
    font-weight: 700;
    text-align: left;
    font-size: 0.85rem;
    white-space: nowrap;
}

.offer-table-v2 td {
    padding: 14px 16px;
    border-bottom: 1px solid var(--border);
    vertical-align: middle;
}

.offer-table-v2 tbody tr {
    background: var(--white);
    transition: var(--transition);
}

.offer-table-v2 tbody tr:hover {
    background: var(--bg);
}

.tr-recommended {
    background: var(--warning-light) !important;
}

.td-app {
    display: flex;
    align-items: center;
    gap: 12px;
    min-width: 180px;
}

.td-app img,
.td-app .offer-v2__logo {
    width: 120px;
    height: 48px;
    object-fit: contain;
    border-radius: var(--radius-sm);
    flex-shrink: 0;
    overflow: hidden;
    font-size: 0;
    border: 1px solid var(--border);
    padding: 0;
    background: var(--white);
}

/* Hide offer name text visually but keep for SEO */
.td-app a:not(.btn) {
    position: absolute;
    width: 1px;
    height: 1px;
    overflow: hidden;
    clip: rect(0,0,0,0);
    white-space: nowrap;
}

.td-app {
    position: relative;
}

.td-highlight {
    color: var(--success);
    font-weight: 700;
}

.td-cta .btn {
    padding: 8px 16px;
    font-size: 0.8rem;
}

.badge-rec {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    padding: 3px 10px;
    background: var(--accent);
    color: var(--white);
    border-radius: 50px;
    font-size: 0.7rem;
    font-weight: 700;
    text-transform: uppercase;
}

/* ==========================================================
   25. APP REVIEW
   ========================================================== */
.app-review-desc {
    font-size: 0.95rem;
    line-height: 1.7;
    color: var(--text-light);
    margin-bottom: 24px;
}

.offer-v2 > .app-description,
.offer-v2 > .app-review-desc {
    padding: 0 24px;
}

.app-pros-cons,
.pros-cons {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
    margin: 24px 0;
}

.offer-v2 > .app-pros-cons,
.offer-v2 > .pros-cons {
    margin: 16px 24px 24px;
}

.offer-v2 > .best-for {
    margin-left: 24px;
    margin-right: 24px;
}

.offer-v2 > .offer-v2__example {
    margin-left: 24px;
    margin-right: 24px;
}

.pros,
.cons {
    padding: 20px;
    border-radius: var(--radius-sm);
}

.pros {
    background: var(--success-light);
    border: 1px solid rgba(46, 125, 50, 0.2);
}

.cons {
    background: var(--danger-light);
    border: 1px solid rgba(198, 40, 40, 0.2);
}

.pros-title {
    font-weight: 700;
    color: var(--success);
    margin-bottom: 12px;
    font-size: 0.95rem;
}

.cons-title {
    font-weight: 700;
    color: var(--danger);
    margin-bottom: 12px;
    font-size: 0.95rem;
}

.pros ul,
.cons ul {
    list-style: none;
}

.pros li,
.cons li {
    padding: 6px 0;
    font-size: 0.9rem;
    line-height: 1.6;
}

.pros li::before {
    content: '\2713 ';
    color: var(--success);
    font-weight: 700;
    margin-right: 6px;
}

.cons li::before {
    content: '\2717 ';
    color: var(--danger);
    font-weight: 700;
    margin-right: 6px;
}

.best-for {
    background: var(--primary-light);
    border-radius: var(--radius-sm);
    padding: 16px 20px;
    margin: 16px 0;
    font-size: 0.9rem;
    line-height: 1.6;
}

.best-for strong {
    color: var(--primary);
}

.app-description {
    margin-bottom: 24px;
    line-height: 1.7;
}

.app-mention {
    background: var(--bg);
    border-radius: var(--radius-sm);
    padding: 20px;
    margin: 16px 0;
    border-left: 4px solid var(--primary);
}

.app-name {
    font-weight: 800;
    color: var(--primary);
}

/* ==========================================================
   26. COMPARISON TABLE
   ========================================================== */
.comparison-table-wrap {
    overflow-x: auto;
    margin: 24px 0;
    border-radius: var(--radius-sm);
    box-shadow: var(--shadow);
}

.comparison-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.9rem;
    min-width: 600px;
}

.comparison-table thead {
    background: var(--primary);
    color: var(--white);
}

.comparison-table th {
    padding: 14px 16px;
    font-weight: 700;
    text-align: left;
    font-size: 0.85rem;
}

.comparison-table td {
    padding: 12px 16px;
    border-bottom: 1px solid var(--border);
}

.comparison-table tbody tr:nth-child(even) {
    background: var(--bg);
}

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

/* ==========================================================
   27. PROCESS STEPS (Article)
   ========================================================== */
.process-steps {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
    margin: 32px 0;
}

.process-step {
    background: var(--white);
    border-radius: var(--radius-sm);
    padding: 24px 20px;
    text-align: center;
    border: 1px solid var(--border);
    transition: var(--transition);
}

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

.process-step-num {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 32px;
    height: 32px;
    background: var(--primary);
    color: var(--white);
    border-radius: 50%;
    font-weight: 800;
    font-size: 0.85rem;
    margin-bottom: 12px;
}

.process-step-content {
    font-size: 0.9rem;
    line-height: 1.6;
    color: var(--text-light);
}

.process-step-content strong {
    color: var(--text);
}

/* ==========================================================
   28. HOWTO GRID (Calculator page) - VERTICAL cards
   ========================================================== */
.howto-grid,
.howto-steps {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
    margin: 32px 0;
}

.howto-step {
    background: var(--white);
    border-radius: var(--radius);
    padding: 32px 24px;
    text-align: center;
    border: 1px solid var(--border);
    transition: var(--transition);
    display: flex;
    flex-direction: column;
    align-items: center;
}

.howto-step:hover {
    box-shadow: var(--shadow-lg);
    transform: translateY(-4px);
}

.howto-icon {
    display: block;
    font-size: 2.5rem;
    margin-bottom: 16px;
    text-align: center;
}

.howto-number {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 32px;
    height: 32px;
    background: var(--primary);
    color: var(--white);
    border-radius: 50%;
    font-weight: 800;
    font-size: 0.85rem;
    margin-bottom: 12px;
}

.howto-content {
    text-align: center;
}

.howto-content h4,
.howto-content strong {
    display: block;
    font-weight: 700;
    margin-bottom: 8px;
    color: var(--text);
}

.howto-content p {
    font-size: 0.9rem;
    color: var(--text-light);
    line-height: 1.6;
}

/* ==========================================================
   29. CALCULATOR TOOL PAGE
   ========================================================== */
.calc-section {
    padding: 48px 0 80px;
}

.calc-wrapper {
    max-width: 800px;
    margin: 0 auto;
    padding: 0 20px;
}

.calc-tabs {
    display: flex;
    gap: 4px;
    background: var(--bg);
    border-radius: 50px;
    padding: 4px;
    margin-bottom: 32px;
}

.calc-tab {
    flex: 1;
    padding: 12px 20px;
    border: none;
    background: none;
    border-radius: 50px;
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--text-light);
    cursor: pointer;
    transition: var(--transition);
    text-align: center;
    font-family: inherit;
}

.calc-tab:hover {
    color: var(--text);
}

.calc-tab.active {
    background: var(--primary);
    color: var(--white);
    box-shadow: var(--shadow);
}

.calc-panel {
    display: none;
}

.calc-panel.active {
    display: block;
}

.calc-body {
    background: var(--white);
    border-radius: var(--radius);
    padding: 32px;
    box-shadow: var(--shadow);
    border: 1px solid var(--border);
}

.calc-inputs {
    display: flex;
    flex-direction: column;
    gap: 24px;
    margin-bottom: 24px;
}

.input-group {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.input-group label {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-weight: 600;
    font-size: 0.9rem;
    color: var(--text);
}

.input-group .range-labels,
.slider-range {
    display: flex;
    justify-content: space-between;
    font-size: 0.75rem;
    color: var(--text-muted);
    margin-top: 4px;
}

.highlight-rate {
    font-weight: 800;
    color: var(--accent);
    font-size: 1.1rem;
}

.loan-type {
    display: flex;
    gap: 8px;
    flex-wrap: wrap;
}

.radio-group {
    display: flex;
    gap: 8px;
    flex-wrap: wrap;
}

.radio-option {
    display: flex;
    align-items: center;
    gap: 6px;
    padding: 8px 16px;
    border: 1px solid var(--border);
    border-radius: 50px;
    font-size: 0.85rem;
    cursor: pointer;
    transition: var(--transition);
}

.radio-option:has(input:checked),
.radio-option.active {
    border-color: var(--primary);
    background: var(--primary-light);
    color: var(--primary);
    font-weight: 600;
}

.radio-option input[type="radio"] {
    display: none;
}

.calc-results {
    background: var(--bg);
    border-radius: var(--radius-sm);
    padding: 24px;
    margin-top: 24px;
}

.result-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 10px 0;
}

.result-row:not(:last-child) {
    border-bottom: 1px solid var(--border);
}

.result {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 10px 0;
}

.result:not(:last-child) {
    border-bottom: 1px solid var(--border);
}

.result-label {
    font-size: 0.9rem;
    color: var(--text-light);
}

.result-value {
    font-weight: 700;
    color: var(--text);
    font-size: 1rem;
}

.result-total {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 14px 0 0;
    margin-top: 8px;
    border-top: 2px solid var(--primary);
    font-size: 1.1rem;
    font-weight: 800;
    color: var(--primary);
}

.calc-cta {
    text-align: center;
    margin-top: 24px;
}

/* ==========================================================
   30. AMORTIZATION TABLE
   ========================================================== */
.amort-section {
    margin-top: 40px;
}

.amort-toggle {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 12px 24px;
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    font-weight: 600;
    font-size: 0.9rem;
    color: var(--text);
    cursor: pointer;
    transition: var(--transition);
    font-family: inherit;
    margin-bottom: 16px;
}

.amort-toggle:hover {
    border-color: var(--primary);
    color: var(--primary);
}

.amort-table-wrap {
    overflow-x: auto;
    border-radius: var(--radius-sm);
    box-shadow: var(--shadow);
    margin-top: 16px;
}

.amort-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.85rem;
    min-width: 500px;
}

.amort-table thead {
    background: var(--primary);
    color: var(--white);
}

.amort-table th {
    padding: 12px 14px;
    font-weight: 700;
    text-align: left;
    font-size: 0.8rem;
}

.amort-table td {
    padding: 10px 14px;
    border-bottom: 1px solid var(--border);
}

.amort-table tbody tr:nth-child(even) {
    background: var(--bg);
}

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

/* ==========================================================
   31. FORMULA BOX
   ========================================================== */
.formula-box {
    background: var(--bg-dark);
    color: var(--white);
    border-radius: var(--radius-sm);
    padding: 24px;
    margin: 24px 0;
    font-family: 'Courier New', Courier, monospace;
    overflow-x: auto;
}

.formula-label {
    font-size: 0.8rem;
    color: rgba(255, 255, 255, 0.6);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    margin-bottom: 12px;
    font-family: 'Nunito', sans-serif;
    font-weight: 700;
}

.formula-text {
    font-size: 1.1rem;
    line-height: 1.8;
    color: rgba(255, 255, 255, 0.95);
}

/* ==========================================================
   32. TIP / WARNING / INTERNAL LINK BOXES
   ========================================================== */
.tip-box,
.tips-box {
    background: var(--primary-light);
    border-left: 4px solid var(--primary);
    border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
    padding: 20px 24px;
    margin: 24px 0;
    font-size: 0.95rem;
    line-height: 1.7;
}

.tips-box-title {
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 8px;
    display: block;
}

.warning-box {
    background: var(--warning-light);
    border-left: 4px solid var(--warning);
    border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
    padding: 20px 24px;
    margin: 24px 0;
    font-size: 0.95rem;
    line-height: 1.7;
}

.warning-box-title {
    font-weight: 700;
    color: var(--warning);
    margin-bottom: 8px;
    display: block;
}

.danger {
    color: var(--danger);
    font-weight: 700;
}

.internal-link-box {
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    padding: 20px 24px;
    margin: 24px 0;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    flex-wrap: wrap;
}

.internal-link-box p {
    margin: 0;
    flex: 1;
}

.internal-link-box a:not(.btn) {
    color: var(--primary);
    font-weight: 700;
    text-decoration: underline;
}

.internal-link-box a:not(.btn):hover {
    color: var(--accent);
}

.internal-link-box .btn {
    flex-shrink: 0;
    white-space: nowrap;
}

.tip-card {
    background: var(--white);
    border-radius: var(--radius-sm);
    padding: 24px;
    box-shadow: var(--shadow);
    border: 1px solid var(--border);
    margin: 16px 0;
}

.tip-number {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 28px;
    height: 28px;
    background: var(--primary);
    color: var(--white);
    border-radius: 50%;
    font-weight: 800;
    font-size: 0.8rem;
    margin-right: 8px;
}

/* ==========================================================
   33. REFERENCE / PAYMENT TABLES
   ========================================================== */
.ref-table-wrap,
.payment-table-wrap {
    overflow-x: auto;
    margin: 24px 0;
    border-radius: var(--radius-sm);
    box-shadow: var(--shadow);
}

.ref-table,
.payment-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.9rem;
    min-width: 500px;
}

.ref-table thead,
.payment-table thead {
    background: var(--primary);
    color: var(--white);
}

.ref-table th,
.payment-table th {
    padding: 12px 16px;
    font-weight: 700;
    text-align: left;
    font-size: 0.85rem;
}

.ref-table td,
.payment-table td {
    padding: 10px 16px;
    border-bottom: 1px solid var(--border);
}

.ref-table tbody tr:nth-child(even),
.payment-table tbody tr:nth-child(even) {
    background: var(--bg);
}

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

/* ==========================================================
   34. ABOUT PAGE
   ========================================================== */
.about-hero {
    background: linear-gradient(135deg, #0A3580 0%, #0D47A1 40%, #1565C0 100%);
    color: var(--white);
    text-align: center;
    padding: 48px 0;
}

.about-hero h1 {
    font-size: 2.4rem;
    font-weight: 900;
    margin-bottom: 16px;
}

.about-hero p {
    font-size: 1.1rem;
    color: rgba(255, 255, 255, 0.8);
    max-width: 600px;
    margin: 0 auto;
}

.about-section {
    padding: 60px 0;
}

.about-section h2 {
    text-align: center;
    margin-bottom: 8px;
}

.about-section .about-stats,
.about-section .trust-grid,
.about-section .partners-grid,
.about-section .mv-grid,
.about-section .values-grid,
.about-section .commit-grid,
.about-section .contact-grid,
.about-section .faq-list {
    padding-left: 0;
    padding-right: 0;
    max-width: none;
}

.about-intro {
    text-align: left;
    max-width: 800px;
    margin: 0 auto 48px;
    padding: 0 20px;
    font-size: 1.05rem;
    line-height: 1.8;
    color: var(--text-light);
}

.about-stats {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
    max-width: 1200px;
    margin: 0 auto 48px;
    padding: 0 20px;
}

.about-stats .stat-card {
    padding: 32px 24px;
}

.about-stats .stat-number {
    font-size: 2.4rem;
}

/* Mission / Vision */
.mv-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 32px;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

.mv-card {
    background: var(--white);
    border-radius: var(--radius);
    padding: 36px 32px;
    box-shadow: var(--shadow);
    border-top: 4px solid transparent;
}

.mv-card--mission {
    border-top-color: var(--primary);
}

.mv-card--vision {
    border-top-color: var(--accent);
}

.mv-icon {
    width: 48px;
    height: 48px;
    border-radius: var(--radius-sm);
    background: var(--primary-light);
    color: var(--primary);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 16px;
}

.mv-card h3 {
    margin-bottom: 12px;
    color: var(--text);
}

.mv-card p {
    color: var(--text-light);
    line-height: 1.7;
}

/* Values */
.values-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

.values-heading {
    text-align: center;
    margin-bottom: 32px;
    font-size: 2rem;
    font-weight: 800;
    color: var(--text);
    margin-top: 48px;
}

.value-item {
    background: var(--white);
    border-radius: var(--radius);
    padding: 28px 24px;
    box-shadow: var(--shadow);
    text-align: center;
    transition: var(--transition);
}

.value-item:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}

.value-icon {
    width: 48px;
    height: 48px;
    border-radius: var(--radius-sm);
    background: var(--primary-light);
    color: var(--primary);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 16px;
}

.value-item h4 {
    margin-bottom: 8px;
    color: var(--text);
}

.value-item p {
    font-size: 0.9rem;
    color: var(--text-light);
    line-height: 1.6;
}

/* Commitments */
.commit-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

.commit-card {
    background: var(--white);
    border-radius: var(--radius);
    padding: 28px 24px;
    box-shadow: var(--shadow);
    display: flex;
    gap: 16px;
    align-items: flex-start;
    transition: var(--transition);
}

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

.commit-icon {
    font-size: 1.5rem;
    flex-shrink: 0;
}

.commit-card h3 {
    margin-bottom: 8px;
}

.commit-card p {
    font-size: 0.9rem;
    color: var(--text-light);
    line-height: 1.6;
}

/* Partners */
.partners-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

.partner-card {
    background: var(--white);
    border-radius: var(--radius-sm);
    padding: 24px 20px;
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    border: 1px solid var(--border);
    transition: var(--transition);
}

.partner-card:hover {
    box-shadow: var(--shadow);
    border-color: var(--primary-light);
}

.partner-logo {
    width: 130px;
    height: 48px;
    border-radius: var(--radius-sm);
    border: 1px solid var(--border);
    background: var(--white);
    object-fit: contain;
    margin-bottom: 12px;
    flex-shrink: 0;
    overflow: hidden;
    font-size: 0;
    padding: 0;
}

.partner-card h4 {
    margin-bottom: 6px;
    font-size: 1rem;
    color: var(--text);
}

.partner-card p {
    font-size: 0.85rem;
    color: var(--text-light);
    line-height: 1.5;
}

/* ==========================================================
   35. CONTACT PAGE
   ========================================================== */
.contact-hero {
    background: linear-gradient(135deg, #0A3580 0%, #0D47A1 40%, #1565C0 100%);
    color: var(--white);
    text-align: center;
    padding: 48px 0 36px;
}

.contact-hero h1 {
    font-size: 2.2rem;
    font-weight: 900;
    margin-bottom: 12px;
}

.contact-hero p {
    font-size: 1.05rem;
    color: rgba(255, 255, 255, 0.8);
}

.contact-section {
    padding: 80px 0;
}

.contact-cards {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    max-width: 1200px;
    margin: 0 auto 48px;
    padding: 0 20px;
}

.contact-card {
    background: var(--white);
    border-radius: var(--radius);
    padding: 32px 24px;
    text-align: center;
    box-shadow: var(--shadow);
    border: 1px solid var(--border);
    transition: var(--transition);
}

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

.contact-card-icon {
    width: 56px;
    height: 56px;
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 16px;
    font-size: 1.5rem;
}

.contact-card-icon--blue {
    background: var(--primary-light);
    color: var(--primary);
}

.contact-card-icon--green {
    background: var(--success-light);
    color: var(--success);
}

.contact-card-icon--orange {
    background: var(--accent-light);
    color: var(--accent);
}

.contact-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

.about-section .contact-grid {
    grid-template-columns: 1fr;
    max-width: 640px;
    margin: 0 auto;
}

.contact-item {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    padding: 20px;
    background: var(--white);
    border-radius: var(--radius-sm);
    box-shadow: var(--shadow);
}

.contact-icon {
    flex-shrink: 0;
    width: 44px;
    height: 44px;
    border-radius: var(--radius-xs);
    background: var(--primary-light);
    color: var(--primary);
    display: flex;
    align-items: center;
    justify-content: center;
}

.contact-info {
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.contact-info h4 {
    font-size: 0.95rem;
    margin-bottom: 4px;
}

.contact-info a {
    font-size: 0.9rem;
    color: var(--primary);
    line-height: 1.5;
    transition: var(--transition);
}

.contact-info a:hover {
    color: var(--accent);
}

.contact-info p {
    font-size: 0.9rem;
    color: var(--text-light);
    line-height: 1.5;
}

.contact-form-section {
    padding: 48px 0 80px;
}

.contact-form-box {
    max-width: 640px;
    margin: 0 auto;
    padding: 0 20px;
}

.contact-form {
    background: var(--white);
    border-radius: var(--radius);
    padding: 40px 36px;
    box-shadow: var(--shadow-lg);
    border: 1px solid var(--border);
    max-width: 640px;
    margin: 0 auto;
}

.about-section .contact-form {
    max-width: none;
}

.contact-form h3 {
    margin-bottom: 24px;
    font-size: 1.2rem;
}

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

.contact-form label {
    display: block;
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--text);
    margin-bottom: 6px;
}

.contact-form input[type="text"],
.contact-form input[type="email"] {
    padding: 12px 16px;
    border: 1px solid var(--border);
    border-radius: var(--radius-xs);
    font-size: 1rem;
    color: var(--text);
    background: var(--white);
    transition: var(--transition);
    width: 100%;
}

.contact-form input[type="text"]:focus,
.contact-form input[type="email"]:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(13, 71, 161, 0.1);
}

.contact-form textarea {
    min-height: 120px;
    resize: vertical;
    padding: 12px 16px;
    border: 1px solid var(--border);
    border-radius: var(--radius-xs);
    font-size: 1rem;
    width: 100%;
    transition: var(--transition);
}

.contact-form textarea:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(13, 71, 161, 0.1);
}

.required {
    color: var(--danger);
    margin-left: 2px;
}

/* ==========================================================
   36. BLOG HUB
   ========================================================== */
.blog-hero {
    background: linear-gradient(135deg, #0A3580 0%, #0D47A1 40%, #1565C0 100%);
    color: var(--white);
    text-align: center;
    padding: 40px 0 32px;
}

.blog-hero h1 {
    font-size: 2.2rem;
    font-weight: 900;
    margin-bottom: 12px;
}

.blog-hero p {
    font-size: 1.05rem;
    color: rgba(255, 255, 255, 0.8);
}

.blog-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

.blog-card {
    background: var(--white);
    border-radius: var(--radius);
    overflow: hidden;
    box-shadow: var(--shadow);
    border: 1px solid var(--border);
    transition: var(--transition);
    display: flex;
    flex-direction: column;
}

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

.blog-card .card-header,
.blog-card > a > div:first-child {
    background: linear-gradient(135deg, var(--primary), #1565C0);
    padding: 32px 24px;
    color: var(--white);
    min-height: 120px;
    display: flex;
    align-items: flex-end;
}

.blog-card .card-body {
    padding: 20px 24px 24px;
    flex: 1;
    display: flex;
    flex-direction: column;
}

.blog-card h3 {
    font-size: 1.05rem;
    font-weight: 700;
    color: var(--text);
    margin-bottom: 8px;
    line-height: 1.4;
}

.card-desc {
    font-size: 0.9rem;
    color: var(--text-light);
    line-height: 1.6;
    margin-bottom: 16px;
    flex: 1;
}

.card-detail {
    font-size: 0.85rem;
    color: var(--text-muted);
    line-height: 1.5;
    margin-bottom: 12px;
}

.card-meta {
    display: flex;
    align-items: center;
    justify-content: space-between;
    font-size: 0.8rem;
    color: var(--text-muted);
    padding-top: 12px;
    border-top: 1px solid var(--border);
    margin-top: auto;
}

.read-more {
    color: var(--primary);
    font-weight: 700;
    font-size: 0.85rem;
    display: inline-flex;
    align-items: center;
    gap: 4px;
    transition: var(--transition);
}

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

/* ==========================================================
   37. POLICY PAGES
   ========================================================== */
.policy-hero {
    background: linear-gradient(135deg, #0A3580 0%, #0D47A1 40%, #1565C0 100%);
    color: var(--white);
    text-align: center;
    padding: 40px 0 32px;
}

.policy-hero h1 {
    font-size: 2rem;
    font-weight: 900;
    margin-bottom: 8px;
}

.policy-content {
    max-width: 800px;
    margin: 0 auto;
    padding: 48px 20px 80px;
}

.policy-article {
    font-size: 0.95rem;
    line-height: 1.8;
    color: var(--text);
}

.policy-article h2 {
    font-size: 1.4rem;
    font-weight: 800;
    margin: 32px 0 12px;
    color: var(--text);
}

.policy-article h3 {
    font-size: 1.15rem;
    font-weight: 700;
    margin: 24px 0 8px;
}

.policy-article p {
    margin-bottom: 16px;
}

.policy-article ul,
.policy-article ol {
    margin: 12px 0 20px 24px;
}

.policy-article ul {
    list-style: disc;
}

.policy-article ol {
    list-style: decimal;
}

.policy-article li {
    margin-bottom: 6px;
    line-height: 1.7;
}

.policy-article a {
    color: var(--primary);
    text-decoration: underline;
}

/* ==========================================================
   38. 404 PAGE
   ========================================================== */
.error-section {
    min-height: 70vh;
    display: flex;
    align-items: center;
    justify-content: center;
    text-align: center;
    padding: 80px 20px;
}

.error-code {
    font-size: 8rem;
    font-weight: 900;
    line-height: 1;
    background: linear-gradient(135deg, var(--primary), var(--accent));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    margin-bottom: 16px;
}

.error-content h2 {
    font-size: 1.8rem;
    margin-bottom: 12px;
}

.error-desc {
    font-size: 1.05rem;
    color: var(--text-light);
    margin-bottom: 32px;
    max-width: 500px;
    margin-left: auto;
    margin-right: auto;
    line-height: 1.6;
}

.error-links {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 12px;
    margin-bottom: 32px;
}

.error-links a {
    color: var(--primary);
    font-weight: 600;
    text-decoration: underline;
    transition: var(--transition);
}

.error-links a:hover {
    color: var(--accent);
}

.error-cta {
    display: inline-flex;
}

/* ==========================================================
   39. INFO HELPERS
   ========================================================== */
.info-value {
    font-weight: 700;
    color: var(--primary);
}

.highlight-cell {
    background: var(--warning-light);
    font-weight: 700;
}

.example {
    background: var(--bg);
    border-radius: var(--radius-sm);
    padding: 20px 24px;
    margin: 16px 0;
    font-size: 0.95rem;
    line-height: 1.7;
    border-left: 4px solid var(--accent);
}

/* ==========================================================
   40. ANIMATIONS
   ========================================================== */
@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(20px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes spin {
    from {
        transform: rotate(0deg);
    }
    to {
        transform: rotate(360deg);
    }
}

.animate-in {
    opacity: 1 !important;
    transform: translateY(0) !important;
}

/* ==========================================================
   MISSING CLASSES FIX
   ========================================================== */

/* Definition section (homepage) */
.definition__content {
    max-width: 800px;
    margin: 0 auto 32px;
}

.definition__text {
    font-size: 1rem;
    line-height: 1.85;
    color: var(--text-light);
    margin-bottom: 20px;
}

.definition__text strong {
    color: var(--text);
}

.definition__table-wrapper {
    overflow-x: auto;
    border-radius: var(--radius-sm);
    border: 1px solid var(--border);
    box-shadow: var(--shadow);
    margin: 24px auto;
    max-width: 800px;
}

.definition__table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.92rem;
}

.definition__table thead {
    background: var(--primary);
    color: var(--white);
}

.definition__table th {
    padding: 14px 20px;
    font-weight: 700;
    text-align: left;
}

.definition__table td {
    padding: 12px 20px;
    border-bottom: 1px solid var(--border);
    color: var(--text);
}

.definition__table tbody tr:nth-child(even) {
    background: var(--bg);
}

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

.definition__table td:first-child {
    font-weight: 600;
    color: var(--text);
    white-space: nowrap;
}

.definition__table td:nth-child(2) {
    font-weight: 700;
    color: var(--primary);
}

/* Step number badge (pill) */
.step-num {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 6px 16px;
    background: var(--primary);
    color: var(--white);
    border-radius: 50px;
    font-weight: 800;
    font-size: 0.8rem;
    margin-bottom: 12px;
    white-space: nowrap;
}

/* Formula standalone */
.formula {
    background: var(--bg-dark);
    color: #B0BEC5;
    border-radius: var(--radius-sm);
    padding: 20px 24px;
    margin: 20px 0;
    font-family: 'SF Mono', 'Fira Code', monospace;
    font-size: 0.88rem;
    line-height: 1.8;
    overflow-x: auto;
}

.formula strong {
    color: #FFB74D;
}

/* Legacy footer flat classes (fallback) */
.footer-grid {
    display: grid;
    grid-template-columns: 1.8fr 1fr 1fr 1fr;
    gap: 32px;
    padding: 60px 0 40px;
}

.footer-col {
    display: flex;
    flex-direction: column;
}

.footer-col p {
    font-size: 0.9rem;
    color: rgba(255, 255, 255, 0.6);
    line-height: 1.7;
    margin-top: 12px;
}

.footer-col h4 {
    color: var(--white);
    font-size: 0.95rem;
    font-weight: 700;
    margin-bottom: 16px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.footer-col a {
    display: block;
    font-size: 0.88rem;
    color: rgba(255, 255, 255, 0.6);
    padding: 5px 0;
    transition: var(--transition);
}

.footer-col a:hover {
    color: var(--white);
    padding-left: 4px;
}

.footer-logo {
    margin-bottom: 8px;
}

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.1);
    padding: 24px 0;
    text-align: center;
    font-size: 0.82rem;
    color: rgba(255, 255, 255, 0.5);
}

.footer-disclaimer {
    color: rgba(255, 255, 255, 0.4);
    font-size: 0.78rem;
    max-width: 700px;
    margin: 8px auto 0;
    line-height: 1.6;
    line-height: 1.7;
}

/* ==========================================================
   41. RESPONSIVE - TABLET (max-width: 1024px)
   ========================================================== */
@media (max-width: 1024px) {
    /* Hero single column */
    .hero__inner {
        grid-template-columns: 1fr;
        gap: 32px;
    }

    .hero__calculator {
        max-width: 480px;
    }

    /* Grids to 2 columns */
    .trust-grid {
        grid-template-columns: repeat(2, 1fr);
    }

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

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

    .about-stats {
        grid-template-columns: repeat(3, 1fr);
    }

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

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

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

    /* Footer to 3 columns */
    .footer__top {
        grid-template-columns: 1fr 1fr 1fr;
        gap: 24px;
    }

    .footer__col--brand {
        grid-column: 1 / -1;
        padding-right: 0;
    }

    .footer-grid {
        grid-template-columns: 1fr 1fr;
        gap: 24px;
    }

    /* Stats */

    /* Typography */
    h1 {
        font-size: 2.2rem;
    }

    h2 {
        font-size: 1.7rem;
    }

    .hero__title {
        font-size: 2.2rem;
    }

    /* Sections */
    .section {
        padding: 60px 0;
    }
}

/* ==========================================================
   42. RESPONSIVE - MOBILE (max-width: 768px)
   ========================================================== */
@media (max-width: 768px) {
    /* Mobile navigation */
    .header__hamburger,
    .nav-toggle {
        display: flex;
    }

    .header__actions .btn--sm {
        display: none;
    }

    .header__nav,
    .nav {
        position: fixed;
        top: 0;
        right: -100%;
        width: 280px;
        height: 100vh;
        background: var(--white);
        box-shadow: var(--shadow-xl);
        padding: 80px 24px 32px;
        transition: var(--transition);
        z-index: 1000;
        flex-direction: column;
        overflow-y: auto;
    }

    .header__nav.active,
    .nav.active {
        right: 0;
    }

    .nav__list {
        flex-direction: column;
        gap: 0;
        width: 100%;
    }

    .nav__link {
        padding: 14px 16px;
        font-size: 1rem;
        border-bottom: 1px solid var(--border);
        border-radius: 0;
    }

    .header__actions {
        gap: 8px;
    }

    /* Typography */
    h1 {
        font-size: 1.8rem;
    }

    h2 {
        font-size: 1.5rem;
    }

    .hero__title {
        font-size: 1.8rem;
    }

    /* Sections */
    .section {
        padding: 60px 0;
    }

    /* Grids to 1 column */
    .steps__grid,
    .why__grid,
    .trust-grid,
    .conditions__grid,
    .conditions-grid,
    .testimonials__grid,
    .process-steps,
    .howto-grid,
    .howto-steps,
    .values-grid,
    .commit-grid,
    .blog-grid,
    .contact-cards,
    .contact-grid,
    .mv-grid,
    .partners-grid {
        grid-template-columns: 1fr;
    }

    .offers-v2-grid {
        grid-template-columns: 1fr;
    }

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



    /* Stats */
    .stats__inner {
        flex-wrap: wrap;
    }

    .stat__item {
        flex: 0 0 50%;
    }

    .stat__item:not(:last-child)::after {
        display: none;
    }

    .stat__number,
    .stat-number {
        font-size: 1.6rem;
    }

    /* Footer */
    .footer__top {
        grid-template-columns: 1fr 1fr;
        gap: 24px;
    }

    .footer__col--brand {
        grid-column: 1 / -1;
    }

    .footer__bottom {
        flex-direction: column;
        text-align: center;
    }

    /* Hero */
    .hero {
        padding: 36px 0 28px;
        text-align: center;
    }

    .hero__inner {
        gap: 24px;
    }

    .hero__content {
        display: flex;
        flex-direction: column;
        align-items: center;
    }

    .hero__meta {
        justify-content: center;
    }

    .hero__quick-answer {
        font-size: 0.9rem;
        padding: 16px 18px;
        text-align: left;
    }

    .hero__pills {
        gap: 6px;
        justify-content: center;
        flex-wrap: wrap;
    }

    .pill {
        font-size: 0.78rem;
        padding: 6px 10px;
    }

    .hero__cta,
    .btn.hero__cta,
    .hero__content .btn--lg {
        width: 100%;
        justify-content: center;
    }

    .hero__trust {
        font-size: 0.85rem;
        justify-content: center;
    }

    /* Calculator mobile */
    .hero__calculator {
        max-width: 100%;
    }

    .calc__body {
        padding: 20px 16px;
    }

    .calc__output {
        font-size: 1rem;
    }

    .calc__summary {
        padding: 14px;
    }

    /* Pros/Cons */
    .app-pros-cons,
    .pros-cons {
        grid-template-columns: 1fr;
    }

    /* Calculator */
    .calc-body {
        padding: 24px 20px;
    }

    .calc-tabs {
        flex-direction: column;
        border-radius: var(--radius-sm);
    }

    .calc-tab {
        border-radius: var(--radius-xs);
    }

    /* Form row */
    .form-row {
        grid-template-columns: 1fr;
    }

    /* TOC */
    .toc ol {
        columns: 1;
    }

    /* Sticky bar */
    .sticky-bar__inner {
        flex-direction: column;
        gap: 12px;
    }

    .sticky-bar__info {
        width: 100%;
        justify-content: center;
    }

    .sticky-bar__btn {
        width: 100%;
    }

    .sticky-bar__btn .btn {
        width: 100%;
    }

    /* Article hero */
    .article-hero {
        padding: 36px 0 28px;
    }

    .article-hero h1 {
        font-size: 1.6rem;
    }

    /* Offer cards mobile */
    .offer-v2__top {
        padding: 16px 16px 12px;
        flex-direction: column;
        align-items: flex-start;
        gap: 8px;
    }

    .offer-v2__stats {
        margin: 0 16px;
    }

    .offer-v2__stat {
        padding: 10px 12px;
    }

    .offer-v2__cta {
        padding: 12px 16px 16px;
    }

    .offer-v2 > .app-description,
    .offer-v2 > .app-review-desc {
        padding: 0 16px;
    }

    .offer-v2 > .app-pros-cons,
    .offer-v2 > .pros-cons {
        margin: 12px 16px 16px;
    }

    .offer-v2 > .best-for,
    .offer-v2 > .offer-v2__example {
        margin-left: 16px;
        margin-right: 16px;
    }

    /* Offer table scroll */
    .offer-table-wrapper {
        margin: 16px -16px;
        border-radius: 0;
    }

    /* Modal mobile */
    .modal {
        padding: 12px;
    }

    .modal__content {
        max-height: 95vh;
        border-radius: var(--radius-sm);
    }

    .modal__content--loading {
        padding: 36px 24px;
    }

    .modal__content--offers {
        max-width: 100%;
    }

    .modal__body {
        padding: 16px;
    }

    .offer__top {
        padding: 16px 16px 10px;
    }

    .offer__top img {
        width: 100px;
        height: 36px;
    }

    .offer__stats > div {
        padding: 8px 12px;
    }

    .offer__card .btn {
        margin: 12px 16px 16px;
        font-size: 0.85rem;
    }

    /* CTA section */
    .cta-section,
    .section--cta {
        padding: 48px 0;
    }

    .cta__title {
        font-size: 1.6rem;
    }

    .cta-section h2 {
        font-size: 1.5rem;
    }

    .cta-section p {
        font-size: 0.9rem;
    }

    /* Error page */
    .error-code {
        font-size: 5rem;
    }

    /* About hero */
    .about-hero {
        padding: 48px 0 36px;
    }

    .about-hero h1 {
        font-size: 1.8rem;
    }

    /* Blog hero */
    .blog-hero h1 {
        font-size: 1.8rem;
    }
}

/* ==========================================================
   43. RESPONSIVE - SMALL MOBILE (max-width: 480px)
   ========================================================== */
@media (max-width: 480px) {
    .container {
        padding: 0 16px;
    }

    h1 {
        font-size: 1.5rem;
    }

    h2 {
        font-size: 1.3rem;
    }

    .hero__title {
        font-size: 1.5rem;
    }

    .section {
        padding: 48px 0;
    }

    .section-lead {
        font-size: 0.95rem;
    }

    /* Buttons */
    .btn {
        padding: 12px 24px;
        font-size: 0.9rem;
    }

    .btn-lg,
    .btn--lg {
        padding: 14px 28px;
        font-size: 1rem;
    }

    /* Stats single column */
    .about-stats {
        grid-template-columns: 1fr 1fr;
        gap: 12px;
    }

    .stat__number,
    .stat-number {
        font-size: 1.4rem;
    }

    /* Cards tighter */
    .step__card,
    .why__card,
    .condition__card,
    .condition-item,
    .testimonial__card,
    .howto-step,
    .process-step {
        padding: 24px 20px;
    }

    /* Footer */
    .footer__top {
        grid-template-columns: 1fr;
        gap: 28px;
    }

    .footer-grid {
        grid-template-columns: 1fr;
        gap: 24px;
    }

    /* Calculator page */
    .calc-body {
        padding: 20px 16px;
    }

    .calc-results {
        padding: 16px;
    }

    /* FAQ */
    .faq-question,
    .faq__question {
        padding: 14px 18px;
        font-size: 0.9rem;
    }

    .faq-answer,
    .faq__answer {
        padding: 0 18px 16px;
        font-size: 0.9rem;
    }

    /* Modal */
    .modal__content {
        border-radius: var(--radius-sm);
    }

    .modal__body {
        padding: 20px;
    }

    /* Error page */
    .error-code {
        font-size: 4rem;
    }

    .error-content h2 {
        font-size: 1.3rem;
    }

    /* Pill */
    .pill {
        padding: 6px 12px;
        font-size: 0.8rem;
    }

    /* Hero badge */
    .hero__badge {
        font-size: 0.7rem;
        padding: 5px 10px;
    }

    /* Article */
    .article-hero h1 {
        font-size: 1.4rem;
    }

    .article-content p {
        font-size: 0.95rem;
    }

    /* Offer table */
    .offer-table-v2 th,
    .offer-table-v2 td {
        padding: 10px 12px;
        font-size: 0.8rem;
    }

    /* About hero */
    .about-hero {
        padding: 32px 0 24px;
    }

    .about-hero h1 {
        font-size: 1.5rem;
    }

    /* Contact form */
    .contact-form {
        padding: 24px 16px;
    }

    /* Logo smaller */
    .logo-text {
        font-size: 1.3rem;
    }

    .logo-text::before {
        width: 20px;
        height: 20px;
        margin-right: 6px;
    }

    /* Table font size */
    .offer-table-v2 th,
    .offer-table-v2 td {
        padding: 8px 10px;
        font-size: 0.75rem;
    }

    .td-app {
        min-width: 120px;
    }

    .td-app img {
        width: 100px;
        height: 40px;
    }

    /* Offer v2 cards */
    .offer-v2__name {
        font-size: 1rem;
    }

    .offer-v2__logo {
        width: 120px;
        height: 44px;
        padding: 6px 8px;
    }

    /* Stats */
    .stat__item {
        padding: 12px 8px;
    }

    /* Values heading */
    .values-heading {
        font-size: 1.5rem;
    }

    /* Modal */
    .modal__content--offers .offers__list {
        grid-template-columns: 1fr;
    }
}

/* ==========================================================
   44. PRINT STYLES
   ========================================================== */
@media print {
    .header,
    .footer,
    .sticky-bar,
    .cta-section,
    .section--cta,
    .hero__calculator,
    .modal,
    .modal__overlay {
        display: none !important;
    }

    body {
        font-size: 12pt;
        color: #000;
        background: #fff;
    }

    .container {
        max-width: 100%;
    }

    .article-content a {
        text-decoration: underline;
        color: #000;
    }

    .article-content a::after {
        content: " (" attr(href) ")";
        font-size: 0.8em;
        color: #666;
    }
}