/* ============================================================
   NEXABANK LOAN CENTER – STYLESHEET
   ============================================================ */

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

:root {
  --primary:       #1a3c8f;
  --primary-dark:  #122a6b;
  --primary-light: #2563eb;
  --green:         #059669;
  --green-light:   #d1fae5;
  --teal:          #0891b2;
  --teal-light:    #cffafe;
  --red:           #dc2626;
  --red-light:     #fee2e2;
  --accent:        #f97316;
  --success:       #10b981;
  --warning:       #f59e0b;
  --text:          #1e293b;
  --text-muted:    #64748b;
  --text-light:    #94a3b8;
  --bg:            #f1f5f9;
  --surface:       #ffffff;
  --border:        #e2e8f0;
  --shadow-sm:     0 1px 3px rgba(0,0,0,0.08);
  --shadow:        0 4px 16px rgba(0,0,0,0.10);
  --shadow-lg:     0 8px 32px rgba(0,0,0,0.14);
  --radius:        12px;
  --nav-h:         68px;
  --font:          'Segoe UI', system-ui, -apple-system, sans-serif;
}

html { scroll-behavior: smooth; }
body { font-family: var(--font); color: var(--text); background: #fff; line-height: 1.65; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; padding: 0; margin: 0; }
input, select, button, textarea { font-family: inherit; }
h2 { font-size: 1.6rem; font-weight: 800; margin: 40px 0 14px; color: var(--text); }
h2:first-child { margin-top: 0; }
p { color: var(--text-muted); line-height: 1.75; margin-bottom: 16px; }
p:last-child { margin-bottom: 0; }

/* ─── SERVICES PAGE ADDITIONS ─────────────────────────────── */
.loans-section-header {
  display: flex; align-items: flex-start; justify-content: space-between;
  gap: 20px; flex-wrap: wrap; margin-bottom: 32px;
}
.loans-section-sub { color: var(--text-muted); font-size: 0.95rem; margin-top: 6px; }
.loans-portal-link { color: var(--primary-light); font-weight: 600; margin-left: 6px; }
.loans-portal-link:hover { text-decoration: underline; }
.loans-cta-btn { align-self: center; white-space: nowrap; }

.loan-card { position: relative; overflow: visible; }
.loan-card-badge {
  position: absolute; top: -12px; right: 20px;
  background: var(--accent); color: #fff;
  font-size: 0.72rem; font-weight: 700; padding: 4px 12px;
  border-radius: 20px; text-transform: uppercase; letter-spacing: 0.06em;
  box-shadow: 0 2px 8px rgba(249,115,22,0.35);
}
.teal-badge { background: #0891b2; box-shadow: 0 2px 8px rgba(8,145,178,0.35); }
.red-badge  { background: var(--red); box-shadow: 0 2px 8px rgba(220,38,38,0.35); }
.loan-card-actions { display: flex; gap: 10px; align-items: center; margin-top: auto; padding-top: 16px; }

.btn-ghost {
  display: inline-flex; align-items: center;
  background: transparent; color: var(--primary-light);
  border: none; font-size: 0.9rem; font-weight: 600;
  cursor: pointer; padding: 8px 4px; transition: color 0.2s;
}
.btn-ghost:hover { color: var(--primary-dark); text-decoration: underline; }

/* Loan Compare Strip */
.loan-compare-strip {
  display: flex; align-items: center; justify-content: space-around;
  background: var(--primary-dark); border-radius: var(--radius);
  padding: 28px 32px; margin-top: 36px; flex-wrap: wrap; gap: 20px;
}
.lcs-item { text-align: center; }
.lcs-icon { font-size: 1.8rem; display: block; margin-bottom: 6px; }
.lcs-label { color: rgba(255,255,255,0.85); font-size: 0.9rem; font-weight: 600; }
.lcs-rate  { color: #fbbf24; font-size: 1rem; font-weight: 800; margin: 4px 0; }
.lcs-link  { color: rgba(255,255,255,0.65); font-size: 0.82rem; transition: color 0.2s; }
.lcs-link:hover { color: #fff; }
.lcs-divider { width: 1px; height: 60px; background: rgba(255,255,255,0.15); }

/* ─── NAV ───────────────────────────────────────────────────── */
.loans-nav {
  position: sticky; top: 0; z-index: 1000;
  background: var(--primary-dark);
  box-shadow: 0 2px 12px rgba(0,0,0,0.2);
  height: var(--nav-h);
}
.loans-nav-inner {
  max-width: 1280px; margin: 0 auto;
  display: flex; align-items: center; justify-content: space-between;
  padding: 0 32px; height: 100%;
}
.loans-logo { display: flex; align-items: center; gap: 0; }
.loans-logo a { display: flex; align-items: center; gap: 8px; color: #fff; font-size: 1.3rem; white-space: nowrap; }
.loans-logo a span { font-size: 1.4rem; }
.loans-logo a strong { color: #fbbf24; }
.loans-nav-divider { color: rgba(255,255,255,0.3); margin: 0 14px; font-size: 1.1rem; }
.loans-nav-label {
  color: rgba(255,255,255,0.65); font-size: 0.8rem; font-weight: 600;
  text-transform: uppercase; letter-spacing: 0.08em;
}
.loans-nav-links { display: flex; align-items: center; gap: 4px; }
.loans-nav-links a {
  color: rgba(255,255,255,0.8); padding: 7px 14px;
  border-radius: 6px; font-size: 0.88rem; transition: all 0.2s;
}
.loans-nav-links a:hover, .loans-nav-links a.active { color: #fff; background: rgba(255,255,255,0.1); }
.btn-nav-loan {
  background: var(--accent) !important; color: #fff !important;
  padding: 9px 18px !important; border-radius: 7px !important; font-weight: 700 !important;
  font-size: 0.88rem !important;
}
.btn-nav-loan:hover { background: #ea6c00 !important; }
.hamburger { display: none; background: none; border: none; color: #fff; font-size: 1.4rem; cursor: pointer; }
.loans-mobile-menu { display: none; flex-direction: column; background: var(--primary); }
.loans-mobile-menu a { color: rgba(255,255,255,0.9); padding: 12px 24px; font-size: 0.95rem; border-bottom: 1px solid rgba(255,255,255,0.08); }
.loans-mobile-menu.open { display: flex; }

/* ─── BUTTONS ────────────────────────────────────────────────── */
.btn-loan-primary {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--accent); color: #fff;
  padding: 13px 28px; border-radius: 8px; font-size: 0.95rem; font-weight: 700;
  border: none; cursor: pointer; transition: all 0.2s;
  box-shadow: 0 4px 14px rgba(249,115,22,0.32);
}
.btn-loan-primary:hover { background: #ea6c00; transform: translateY(-1px); }
.btn-loan-outline {
  display: inline-flex; align-items: center;
  background: transparent; color: rgba(255,255,255,0.9);
  border: 2px solid rgba(255,255,255,0.55); padding: 11px 24px;
  border-radius: 8px; font-size: 0.95rem; font-weight: 600;
  cursor: pointer; transition: all 0.2s;
}
.btn-loan-outline:hover { background: rgba(255,255,255,0.12); border-color: #fff; color: #fff; }
.btn-loan-outline-light {
  display: inline-flex; align-items: center;
  background: transparent; color: rgba(255,255,255,0.85);
  border: 2px solid rgba(255,255,255,0.4); padding: 11px 24px;
  border-radius: 8px; font-size: 0.95rem; font-weight: 600;
  cursor: pointer; transition: all 0.2s;
}
.btn-loan-outline-light:hover { background: rgba(255,255,255,0.12); }
.btn-loan-ghost {
  background: transparent; color: var(--primary-light);
  border: 1.5px solid var(--primary-light); padding: 9px 18px;
  border-radius: 7px; font-size: 0.88rem; font-weight: 600;
  cursor: pointer; transition: all 0.2s;
}
.btn-loan-ghost:hover { background: var(--primary-light); color: #fff; }
.btn-lg { padding: 15px 36px !important; font-size: 1.05rem !important; }
.btn-block-loan { width: 100%; justify-content: center; padding: 13px; }

/* ─── LOANS HERO ─────────────────────────────────────────────── */
.loans-hero {
  background: linear-gradient(135deg, #0f172a 0%, #1e3a8a 55%, #1d4ed8 100%);
  padding: 72px 60px 60px; display: flex; flex-wrap: wrap;
  align-items: center; justify-content: space-between; gap: 40px;
}
.loans-hero-content { max-width: 640px; }
.loans-hero-badge {
  display: inline-block; background: rgba(255,255,255,0.1);
  color: #93c5fd; border: 1px solid rgba(255,255,255,0.2);
  padding: 6px 14px; border-radius: 20px;
  font-size: 0.82rem; font-weight: 600; margin-bottom: 20px;
}
.loans-hero h1 { color: #fff; font-size: clamp(2rem, 4.5vw, 3rem); font-weight: 900; line-height: 1.15; margin-bottom: 18px; }
.loans-hero > .loans-hero-content > p { color: rgba(255,255,255,0.75); font-size: 1.05rem; margin-bottom: 32px; max-width: 560px; }
.loans-hero-actions { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 28px; }
.loans-hero-trust { display: flex; gap: 20px; flex-wrap: wrap; }
.loans-hero-trust span { color: rgba(255,255,255,0.6); font-size: 0.83rem; background: rgba(255,255,255,0.06); padding: 5px 12px; border-radius: 20px; }
.loans-hero-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.hero-stat-card {
  background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.12);
  border-radius: 14px; padding: 20px 24px; text-align: center;
}
.hero-stat-card h3 { color: #fbbf24; font-size: 1.8rem; font-weight: 900; }
.hero-stat-card p  { color: rgba(255,255,255,0.65); font-size: 0.85rem; margin: 0; }

/* ─── SECTION TITLES ─────────────────────────────────────────── */
.loans-section-title { font-size: clamp(1.6rem, 3vw, 2.2rem); font-weight: 900; color: var(--text); text-align: center; margin-bottom: 12px; }
.loans-section-sub   { text-align: center; color: var(--text-muted); max-width: 620px; margin: 0 auto 48px; font-size: 1rem; }

/* ─── HUB CARDS ──────────────────────────────────────────────── */
.loans-cards-section { padding: 72px 60px; max-width: 1300px; margin: 0 auto; }
.loans-hub-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); gap: 28px; }
.hub-card { border: 1px solid var(--border); border-radius: 16px; overflow: hidden; box-shadow: var(--shadow); transition: transform 0.3s, box-shadow 0.3s; }
.hub-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); }
.hub-card-top { padding: 32px 28px; display: flex; align-items: center; justify-content: space-between; }
.green-grad { background: linear-gradient(135deg, #064e3b, #059669); }
.teal-grad  { background: linear-gradient(135deg, #164e63, #0891b2); }
.red-grad   { background: linear-gradient(135deg, #7f1d1d, #dc2626); }
.hub-icon { font-size: 2.8rem; }
.hub-badge { background: rgba(255,255,255,0.18); color: #fff; font-size: 0.75rem; font-weight: 700; padding: 5px 12px; border-radius: 20px; text-transform: uppercase; letter-spacing: 0.06em; }
.hub-card-body { padding: 28px; background: var(--surface); }
.hub-card-body h3 { font-size: 1.3rem; font-weight: 800; margin-bottom: 4px; color: var(--text); }
.hub-tagline { color: var(--text-muted); font-size: 0.82rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 12px !important; }
.hub-card-body > p { font-size: 0.92rem; margin-bottom: 20px; }
.hub-rate-row { display: flex; gap: 0; border: 1px solid var(--border); border-radius: 10px; overflow: hidden; margin-bottom: 20px; }
.hub-rate { flex: 1; text-align: center; padding: 12px 8px; border-right: 1px solid var(--border); }
.hub-rate:last-child { border-right: none; }
.rate-num { display: block; font-size: 1.15rem; font-weight: 800; color: var(--primary); }
.rate-label { display: block; font-size: 0.72rem; color: var(--text-muted); margin-top: 2px; }
.hub-features { margin-bottom: 24px; }
.hub-features li { font-size: 0.88rem; color: var(--text-muted); padding: 3px 0; }
.hub-card-actions { display: flex; gap: 10px; }

/* ─── COMPARE TABLE ──────────────────────────────────────────── */
.compare-section { padding: 72px 60px; background: var(--bg); }
.compare-table-wrap { overflow-x: auto; max-width: 1100px; margin: 0 auto; }
.compare-table { width: 100%; border-collapse: collapse; background: var(--surface); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); }
.compare-table th { background: var(--primary-dark); color: #fff; padding: 16px 20px; text-align: left; font-size: 0.9rem; }
.compare-table th:first-child { background: #0f172a; }
.compare-table td { padding: 14px 20px; border-bottom: 1px solid var(--border); font-size: 0.9rem; color: var(--text-muted); vertical-align: middle; }
.compare-table td:first-child { font-weight: 600; color: var(--text); background: #f8fafc; }
.compare-table tr:last-child td { border-bottom: none; }
.compare-table tr:hover td { background: #eff6ff; }
.table-link { color: var(--primary-light); font-weight: 600; font-size: 0.88rem; }
.table-link:hover { text-decoration: underline; }

/* ─── WHY SECTION ────────────────────────────────────────────── */
.why-section { padding: 72px 60px; max-width: 1200px; margin: 0 auto; }
.why-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 24px; }
.why-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow-sm); transition: all 0.3s; }
.why-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.why-icon { font-size: 2rem; margin-bottom: 14px; }
.why-card h3 { font-size: 1.05rem; font-weight: 700; margin-bottom: 10px; color: var(--text); }
.why-card p  { font-size: 0.92rem; color: var(--text-muted); margin: 0; }

/* ─── CTA BANNER ─────────────────────────────────────────────── */
.loans-cta-banner { background: linear-gradient(135deg, #f97316, #ea580c); padding: 72px 60px; text-align: center; }
.loans-cta-content h2 { color: #fff; font-size: clamp(1.8rem, 3.5vw, 2.6rem); font-weight: 900; margin-bottom: 12px; }
.loans-cta-content > p { color: rgba(255,255,255,0.85); font-size: 1.1rem; margin-bottom: 32px; }
.loans-cta-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* ─── DETAIL PAGE HERO ───────────────────────────────────────── */
.detail-hero { padding: 64px 60px; }
.green-hero { background: linear-gradient(135deg, #064e3b, #065f46, #059669); }
.teal-hero  { background: linear-gradient(135deg, #0c4a6e, #075985, #0891b2); }
.red-hero   { background: linear-gradient(135deg, #450a0a, #7f1d1d, #b91c1c); }
.detail-breadcrumb { color: rgba(255,255,255,0.6); font-size: 0.82rem; margin-bottom: 16px; }
.detail-breadcrumb a { color: rgba(255,255,255,0.6); transition: color 0.2s; }
.detail-breadcrumb a:hover { color: #fff; }
.detail-hero h1 { color: #fff; font-size: clamp(2rem, 4vw, 2.8rem); font-weight: 900; margin-bottom: 14px; }
.detail-hero-sub { color: rgba(255,255,255,0.8); font-size: 1.05rem; max-width: 700px; margin-bottom: 32px; }
.detail-hero-rates { display: flex; gap: 0; background: rgba(255,255,255,0.1); border-radius: 12px; overflow: hidden; width: fit-content; margin-bottom: 28px; }
.dhr-item { padding: 16px 28px; border-right: 1px solid rgba(255,255,255,0.15); }
.dhr-item:last-child { border-right: none; }
.dhr-rate  { display: block; font-size: 1.6rem; font-weight: 900; color: #fff; }
.dhr-label { display: block; font-size: 0.78rem; color: rgba(255,255,255,0.65); margin-top: 3px; }
.detail-hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* ─── DETAIL CONTENT ─────────────────────────────────────────── */
.detail-section { padding: 56px 0; background: var(--bg); }
.detail-container { max-width: 1200px; margin: 0 auto; padding: 0 32px; }
.detail-two-col { display: grid; grid-template-columns: 1fr 340px; gap: 32px; align-items: start; }
.detail-main { background: var(--surface); border-radius: var(--radius); padding: 40px; box-shadow: var(--shadow-sm); }
.detail-main h2 { font-size: 1.35rem; font-weight: 800; margin: 36px 0 14px; padding-top: 36px; border-top: 1px solid var(--border); }
.detail-main h2:first-of-type { margin-top: 0; padding-top: 0; border-top: none; }

/* Loan Type Cards */
.loan-type-card { background: var(--bg); border: 1px solid var(--border); border-radius: 10px; padding: 22px 24px; margin-bottom: 16px; }
.loan-type-card h3 { font-size: 1.05rem; font-weight: 700; margin-bottom: 10px; color: var(--text); }
.loan-type-card p  { font-size: 0.92rem; margin-bottom: 14px; }
.loan-type-specs { display: flex; flex-wrap: wrap; gap: 10px; }
.loan-type-specs span { background: var(--surface); border: 1px solid var(--border); padding: 5px 12px; border-radius: 6px; font-size: 0.82rem; color: var(--text-muted); }

/* Cost Table */
.cost-table { overflow-x: auto; margin: 20px 0; }
.cost-table table { width: 100%; border-collapse: collapse; font-size: 0.88rem; }
.cost-table th { background: var(--bg); padding: 10px 14px; text-align: left; font-weight: 700; color: var(--text-muted); font-size: 0.8rem; text-transform: uppercase; }
.cost-table td { padding: 10px 14px; border-bottom: 1px solid var(--border); color: var(--text-muted); }
.cost-table td:first-child { font-weight: 600; color: var(--text); }
.cost-table tr:last-child td { border-bottom: none; }

/* Eligibility Grid */
.eligibility-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 16px; margin: 16px 0; }
.elig-item { background: var(--bg); border-radius: 10px; padding: 18px; }
.elig-icon { font-size: 1.5rem; margin-bottom: 8px; }
.elig-item h4 { font-size: 0.92rem; font-weight: 700; margin-bottom: 6px; }
.elig-item p  { font-size: 0.85rem; margin: 0; }

/* Process Steps */
.process-steps { display: flex; flex-direction: column; gap: 0; margin: 16px 0; }
.process-step { display: flex; gap: 16px; padding: 18px 0; border-bottom: 1px solid var(--border); }
.process-step:last-child { border-bottom: none; }
.step-num { width: 36px; height: 36px; border-radius: 50%; background: var(--primary); color: #fff; display: flex; align-items: center; justify-content: center; font-weight: 800; font-size: 0.95rem; flex-shrink: 0; margin-top: 2px; }
.step-content h4 { font-size: 0.95rem; font-weight: 700; margin-bottom: 5px; color: var(--text); }
.step-content p  { font-size: 0.88rem; margin: 0; }

/* Factor List */
.factor-list { display: flex; flex-direction: column; gap: 14px; margin: 16px 0; }
.factor-item { display: flex; gap: 16px; align-items: flex-start; background: var(--bg); padding: 16px; border-radius: 10px; }
.factor-icon { font-size: 1.4rem; flex-shrink: 0; margin-top: 2px; }
.factor-item h4 { font-size: 0.95rem; font-weight: 700; margin-bottom: 4px; }
.factor-item p  { font-size: 0.88rem; margin: 0; }

/* Rate Tier Table */
.rate-tier-table { overflow-x: auto; margin: 16px 0 24px; }
.rate-tier-table table { width: 100%; border-collapse: collapse; font-size: 0.88rem; }
.rate-tier-table th { background: var(--primary-dark); color: #fff; padding: 12px 16px; text-align: left; font-size: 0.8rem; }
.rate-tier-table td { padding: 11px 16px; border-bottom: 1px solid var(--border); }
.tier-excellent { background: #f0fdf4; } .tier-excellent td:first-child { color: var(--success); font-weight: 700; }
.tier-good      { background: #eff6ff; } .tier-good td:first-child { color: var(--primary-light); font-weight: 700; }
.tier-fair      { background: #fffbeb; } .tier-fair td:first-child { color: var(--warning); font-weight: 700; }
.tier-low       { background: #fff7ed; } .tier-low td:first-child { color: var(--accent); font-weight: 700; }

/* Docs Grid */
.docs-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 12px; margin: 16px 0; }
.doc-item { display: flex; align-items: center; gap: 10px; background: var(--bg); padding: 12px 14px; border-radius: 8px; font-size: 0.88rem; color: var(--text-muted); }
.doc-item span { font-size: 1.2rem; flex-shrink: 0; }

/* Use Cases Grid */
.use-cases-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 16px; margin: 20px 0; }
.use-case-card { background: var(--bg); border: 1px solid var(--border); border-radius: 10px; padding: 18px; text-align: center; transition: all 0.2s; }
.use-case-card:hover { background: #dbeafe; border-color: var(--primary-light); }
.use-case-card span { font-size: 1.8rem; display: block; margin-bottom: 10px; }
.use-case-card h4 { font-size: 0.9rem; font-weight: 700; margin-bottom: 6px; }
.use-case-card p  { font-size: 0.82rem; margin: 0; line-height: 1.5; }

/* Features Checklist */
.features-checklist { display: flex; flex-direction: column; gap: 10px; margin: 16px 0; }
.check-item { background: var(--bg); padding: 12px 16px; border-radius: 8px; font-size: 0.9rem; color: var(--text-muted); border-left: 3px solid var(--success); }
.check-item strong { color: var(--text); }

/* Example Box */
.example-box { background: #eff6ff; border: 1px solid #bfdbfe; border-radius: 12px; padding: 24px; margin: 20px 0; }
.example-box h4 { font-size: 1rem; font-weight: 700; margin-bottom: 16px; color: var(--text); }
.example-table { display: flex; flex-direction: column; gap: 0; margin-bottom: 14px; font-size: 0.88rem; }
.ex-row { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 8px; padding: 9px 12px; border-bottom: 1px solid #bfdbfe; color: var(--text-muted); }
.ex-row.header-row { font-weight: 700; color: var(--text); background: rgba(255,255,255,0.6); border-radius: 6px 6px 0 0; }
.ex-row.total-ex-row { font-weight: 700; color: var(--text); background: rgba(255,255,255,0.4); }
.ex-row.savings-row { font-weight: 700; color: var(--success); background: #d1fae5; border-bottom: none; border-radius: 0 0 6px 6px; }
.example-note { font-size: 0.85rem; color: var(--primary); font-style: italic; margin: 0; }

/* FAQ */
.faq-list { margin: 16px 0; }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-q {
  width: 100%; text-align: left; background: none; border: none;
  padding: 16px 4px; font-size: 0.95rem; font-weight: 600; color: var(--text);
  cursor: pointer; display: flex; justify-content: space-between; align-items: center;
  transition: color 0.2s;
}
.faq-q:hover { color: var(--primary-light); }
.faq-q span { font-size: 1.2rem; font-weight: 700; color: var(--primary-light); flex-shrink: 0; margin-left: 12px; }
.faq-a {
  max-height: 0; overflow: hidden; transition: max-height 0.35s ease;
  font-size: 0.92rem; color: var(--text-muted); padding: 0 4px;
}
.faq-a.open { padding-bottom: 16px; }

/* ─── SIDEBAR ─────────────────────────────────────────────────── */
.detail-sidebar { display: flex; flex-direction: column; gap: 20px; position: sticky; top: calc(var(--nav-h) + 16px); }
.sidebar-cta-card { border-radius: var(--radius); padding: 24px; color: #fff; }
.green-cta { background: linear-gradient(135deg, #065f46, #059669); }
.teal-cta  { background: linear-gradient(135deg, #075985, #0891b2); }
.red-cta   { background: linear-gradient(135deg, #7f1d1d, #b91c1c); }
.sidebar-cta-card h3 { font-size: 1.1rem; font-weight: 800; margin-bottom: 8px; }
.sidebar-cta-card p  { color: rgba(255,255,255,0.8); font-size: 0.88rem; margin-bottom: 16px; }

.sidebar-info-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); padding: 20px; box-shadow: var(--shadow-sm); }
.sidebar-info-card h4 { font-size: 0.92rem; font-weight: 700; margin-bottom: 14px; color: var(--text); padding-bottom: 10px; border-bottom: 1px solid var(--border); }
.rate-list { display: flex; flex-direction: column; gap: 0; }
.rate-list-item { display: flex; justify-content: space-between; align-items: center; padding: 9px 0; border-bottom: 1px solid var(--border); font-size: 0.88rem; }
.rate-list-item:last-child { border-bottom: none; }
.rate-list-item span { color: var(--text-muted); }
.rate-list-item strong { color: var(--primary); font-weight: 700; }
.rate-note { font-size: 0.75rem; color: var(--text-light); margin-top: 10px; font-style: italic; }

/* Calculator */
.calc-form { display: flex; flex-direction: column; gap: 12px; }
.calc-group { display: flex; flex-direction: column; gap: 5px; }
.calc-group label { font-size: 0.8rem; font-weight: 600; color: var(--text-muted); }
.calc-group input, .calc-group select { padding: 9px 12px; border: 1.5px solid var(--border); border-radius: 7px; font-size: 0.9rem; color: var(--text); background: var(--surface); }
.calc-group input:focus, .calc-group select:focus { outline: none; border-color: var(--primary-light); }
.calc-result { background: var(--bg); border-radius: 10px; padding: 16px; margin-top: 4px; }
.calc-monthly { font-size: 1.8rem; font-weight: 900; color: var(--primary); text-align: center; margin-bottom: 12px; }
.calc-monthly small { font-size: 0.85rem; font-weight: 400; color: var(--text-muted); }
.calc-breakdown { display: flex; justify-content: space-between; font-size: 0.85rem; padding: 5px 0; border-bottom: 1px solid var(--border); color: var(--text-muted); }
.calc-breakdown:last-child { border-bottom: none; }
.total-row { font-weight: 700; color: var(--text) !important; }

.sidebar-links-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); padding: 16px 20px; }
.sidebar-links-card h4 { font-size: 0.88rem; font-weight: 700; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 12px; }
.sidebar-loan-link { display: flex; align-items: center; gap: 8px; padding: 9px 0; color: var(--text-muted); font-size: 0.9rem; border-bottom: 1px solid var(--border); transition: color 0.2s; }
.sidebar-loan-link:last-child { border-bottom: none; }
.sidebar-loan-link:hover { color: var(--primary-light); }

/* ─── FOOTER ──────────────────────────────────────────────────── */
.loans-footer { background: #0f172a; color: rgba(255,255,255,0.75); padding: 60px 60px 0; }
.loans-footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 40px; }
.loans-footer-grid h3 { color: #fff; font-size: 1.2rem; margin-bottom: 12px; }
.loans-footer-grid h4 { color: #fff; font-size: 0.88rem; margin-bottom: 14px; text-transform: uppercase; letter-spacing: 0.06em; }
.loans-footer-grid p  { font-size: 0.88rem; line-height: 1.7; color: rgba(255,255,255,0.55); }
.loans-footer-grid ul li { margin-bottom: 9px; }
.loans-footer-grid ul li a { color: rgba(255,255,255,0.55); font-size: 0.88rem; transition: color 0.2s; }
.loans-footer-grid ul li a:hover { color: #fbbf24; }
.footer-disclaimer { font-size: 0.75rem !important; color: rgba(255,255,255,0.35) !important; margin-top: 14px !important; line-height: 1.6 !important; }
.loans-footer-bottom { border-top: 1px solid rgba(255,255,255,0.08); padding: 20px 0; text-align: center; }
.loans-footer-bottom p { color: rgba(255,255,255,0.4); font-size: 0.82rem; }

/* ─── RESPONSIVE ──────────────────────────────────────────────── */
@media (max-width: 1100px) {
  .detail-two-col { grid-template-columns: 1fr; }
  .detail-sidebar { position: static; }
  .loans-footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 900px) {
  .loans-hero { padding: 56px 28px; flex-direction: column; }
  .loans-hero-stats { grid-template-columns: repeat(4, 1fr); }
  .loans-cards-section { padding: 48px 24px; }
  .compare-section { padding: 48px 24px; }
  .why-section { padding: 48px 24px; }
  .loans-cta-banner { padding: 48px 24px; }
  .detail-hero { padding: 48px 28px; }
  .detail-hero-rates { flex-wrap: wrap; }
  .detail-section { padding: 32px 0; }
  .detail-container { padding: 0 16px; }
  .detail-main { padding: 24px; }
  .lcs-divider { display: none; }
}
@media (max-width: 700px) {
  .loans-nav-links { display: none; }
  .hamburger { display: block; }
  .loans-footer-grid { grid-template-columns: 1fr; }
  .loans-hero-stats { grid-template-columns: 1fr 1fr; }
  .detail-hero-rates { display: grid; grid-template-columns: 1fr 1fr; }
  .hub-rate-row { display: grid; grid-template-columns: 1fr 1fr 1fr; }
  .ex-row { grid-template-columns: 2fr 1fr 1fr; font-size: 0.82rem; }
  .ex-row span:last-child { display: none; }
  .loan-compare-strip { flex-direction: column; align-items: flex-start; gap: 12px; }
  .loans-section-header { flex-direction: column; }
}
@media (max-width: 480px) {
  .eligibility-grid { grid-template-columns: 1fr; }
  .use-cases-grid   { grid-template-columns: 1fr 1fr; }
  .docs-grid        { grid-template-columns: 1fr; }
}