/* ════════════════════════════════════════════════════
   Federal Employee Loans — Shared Stylesheet
   Patriotic Red / White / Navy — Mobile-First
   ════════════════════════════════════════════════════ */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@700;900&family=DM+Sans:ital,wght@0,300;0,400;0,500;0,600;1,400&display=swap');

/* ── RESET & BASE ──────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'DM Sans', sans-serif;
  color: #0D1B2A;
  background: #fff;
  line-height: 1.7;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3, h4, h5 {
  font-family: 'Playfair Display', serif;
  line-height: 1.2;
}
a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; height: auto; }
ul { list-style: none; }

/* ── CSS VARIABLES ─────────────────────────── */
:root {
  --navy:       #0B2447;
  --navy-mid:   #19376D;
  --navy-light: #1E4D8C;
  --red:        #BF1B1B;
  --red-bright: #D42B2B;
  --red-light:  #FFF0F0;
  --gold:       #C9A84C;
  --gold-light: #FDF5E0;
  --white:      #FFFFFF;
  --off-white:  #F6F8FC;
  --gray-100:   #EEF1F6;
  --gray-200:   #D6DCE8;
  --text-dark:  #0D1B2A;
  --text-mid:   #3A4A5C;
  --text-light: #6B7A8D;
  --shadow-sm:  0 2px 12px rgba(11,36,71,.08);
  --shadow-md:  0 8px 32px rgba(11,36,71,.13);
  --shadow-lg:  0 20px 60px rgba(11,36,71,.18);
  --radius:     12px;
  --radius-lg:  20px;
}

/* ── UTILITY ───────────────────────────────── */
.container { max-width: 1160px; margin: 0 auto; padding: 0 20px; }
.section-tag {
  display: inline-block;
  font-size: 11px; font-weight: 600; letter-spacing: 1.6px;
  text-transform: uppercase; padding: 5px 14px;
  border-radius: 50px; margin-bottom: 14px;
}
.section-tag.gold  { background: var(--gold-light);  color: #8a6a1a; border: 1px solid rgba(201,168,76,.35); }
.section-tag.red   { background: var(--red-light);   color: var(--red-bright); border: 1px solid rgba(212,43,43,.2); }
.section-tag.white { background: rgba(255,255,255,.15); color: #fff; border: 1px solid rgba(255,255,255,.25); }
.section-tag.navy  { background: rgba(11,36,71,.08); color: var(--navy); border: 1px solid rgba(11,36,71,.15); }

.btn-primary {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--red-bright); color: #fff;
  font-family: 'DM Sans', sans-serif; font-weight: 600; font-size: 15px;
  padding: 13px 28px; border-radius: 50px; border: none; cursor: pointer;
  box-shadow: 0 4px 18px rgba(212,43,43,.35);
  transition: background .2s, transform .15s, box-shadow .2s;
  white-space: nowrap;
}
.btn-primary:hover  { background: var(--red); transform: translateY(-2px); box-shadow: 0 8px 28px rgba(212,43,43,.42); }
.btn-primary:active { transform: translateY(0); }

.btn-navy {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--navy); color: #fff;
  font-family: 'DM Sans', sans-serif; font-weight: 600; font-size: 15px;
  padding: 13px 28px; border-radius: 50px; border: none; cursor: pointer;
  box-shadow: 0 4px 18px rgba(11,36,71,.3);
  transition: background .2s, transform .15s;
  white-space: nowrap;
}
.btn-navy:hover { background: var(--navy-mid); transform: translateY(-2px); }

.btn-outline-white {
  display: inline-flex; align-items: center; gap: 8px;
  background: transparent; color: #fff;
  font-family: 'DM Sans', sans-serif; font-weight: 600; font-size: 15px;
  padding: 12px 26px; border-radius: 50px;
  border: 2px solid rgba(255,255,255,.6);
  cursor: pointer; transition: all .2s;
  white-space: nowrap;
}
.btn-outline-white:hover { background: rgba(255,255,255,.12); border-color: #fff; }

/* ── TOP BAR ───────────────────────────────── */
.top-bar {
  background: var(--navy);
  padding: 8px 20px;
  font-size: 13px; color: rgba(255,255,255,.8);
}
.top-bar-inner {
  max-width: 1160px; margin: 0 auto;
  display: flex; justify-content: space-between; align-items: center;
  flex-wrap: wrap; gap: 6px;
}
.top-bar a { color: rgba(255,255,255,.9); transition: color .2s; }
.top-bar a:hover { color: #fff; }
.top-bar-left { display: flex; gap: 20px; align-items: center; flex-wrap: wrap; }
.top-bar-right { font-size: 12px; color: rgba(255,255,255,.55); }

/* ── NAVIGATION ────────────────────────────── */
nav {
  background: #fff;
  border-bottom: 1px solid var(--gray-200);
  position: sticky; top: 0; z-index: 1000;
  box-shadow: var(--shadow-sm);
}
.nav-inner {
  max-width: 1160px; margin: 0 auto;
  display: flex; align-items: center; justify-content: space-between;
  padding: 0 20px; height: 68px; gap: 16px;
}

/* Logo */
.logo { display: flex; align-items: center; gap: 10px; flex-shrink: 0; text-decoration: none; }
.logo img { height: 48px; width: auto; display: block; }
/* SVG fallback shown only if img fails */
.logo-svg-fallback {
  display: none;
  align-items: center; gap: 10px;
}
.logo img[src=""], .logo img:not([src]) { display: none; }

.nav-links {
  display: flex; align-items: center; gap: 28px;
}
.nav-links a {
  font-size: 14px; font-weight: 500; color: var(--text-mid);
  transition: color .2s; position: relative; padding-bottom: 2px;
  white-space: nowrap;
}
.nav-links a::after {
  content: ''; position: absolute; bottom: -4px; left: 0; right: 0;
  height: 2px; background: var(--red-bright);
  transform: scaleX(0); transition: transform .2s; border-radius: 2px;
}
.nav-links a:hover { color: var(--navy); }
.nav-links a:hover::after, .nav-links a.active::after { transform: scaleX(1); }
.nav-links a.active { color: var(--navy); font-weight: 600; }

.nav-phone {
  font-size: 14px; font-weight: 600; color: var(--navy);
  display: flex; align-items: center; gap: 6px; white-space: nowrap;
}
.nav-phone svg { flex-shrink: 0; }
.nav-phone:hover { color: var(--red-bright); }

/* Hamburger */
.hamburger {
  display: none; flex-direction: column; gap: 5px;
  cursor: pointer; padding: 6px; background: none; border: none;
  -webkit-tap-highlight-color: transparent;
}
.hamburger span {
  display: block; width: 24px; height: 2px;
  background: var(--navy); border-radius: 2px;
  transition: all .3s;
}
.hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* Mobile nav drawer */
.mobile-nav {
  display: none;
  position: fixed; inset: 68px 0 0 0;
  background: #fff; z-index: 999;
  padding: 24px 20px; overflow-y: auto;
  flex-direction: column; gap: 0;
  border-top: 2px solid var(--red-bright);
}
.mobile-nav.open { display: flex; }
.mobile-nav a {
  font-size: 18px; font-weight: 500; color: var(--text-dark);
  padding: 16px 0; border-bottom: 1px solid var(--gray-100);
  display: block;
}
.mobile-nav a:last-child { border: none; }
.mobile-nav .mobile-cta { margin-top: 20px; }
.mobile-nav .mobile-phone {
  display: flex; align-items: center; gap: 10px;
  font-size: 20px; font-weight: 700; color: var(--navy);
  margin-top: 4px; padding: 16px 0; border-bottom: 1px solid var(--gray-100);
}

/* ── HERO ──────────────────────────────────── */
.hero {
  background: linear-gradient(135deg, #0B2447 0%, #19376D 55%, #163562 100%);
  position: relative; overflow: hidden;
  padding: 60px 0 50px;
}
.hero::before {
  content: ''; position: absolute; inset: 0; pointer-events: none;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23ffffff' fill-opacity='0.025'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/svg%3E");
}
.hero-stripe {
  position: absolute; top: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, var(--red-bright) 33%, var(--white) 33% 66%, var(--gold) 66%);
}
.hero-inner {
  position: relative; z-index: 1;
  display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center;
}
.hero-content { color: #fff; }
.hero-live-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.2);
  border-radius: 50px; padding: 5px 14px 5px 5px;
  font-size: 13px; color: rgba(255,255,255,.9); margin-bottom: 24px;
}
.live-dot {
  width: 8px; height: 8px; border-radius: 50%; background: #4ade80;
  box-shadow: 0 0 0 3px rgba(74,222,128,.3);
  animation: livePulse 2s infinite;
}
@keyframes livePulse {
  0%,100%{ box-shadow: 0 0 0 3px rgba(74,222,128,.3); }
  50%    { box-shadow: 0 0 0 7px rgba(74,222,128,.08); }
}
.hero h1 {
  font-size: clamp(32px, 4vw, 52px); font-weight: 900;
  color: #fff; margin-bottom: 18px;
}
.hero h1 em { color: var(--gold); font-style: normal; }
.hero-sub {
  font-size: 17px; color: rgba(255,255,255,.8);
  max-width: 490px; margin-bottom: 32px; line-height: 1.7;
}
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; }
.hero-stats {
  display: flex; gap: 0; margin-top: 40px;
  padding-top: 32px; border-top: 1px solid rgba(255,255,255,.12);
  flex-wrap: wrap;
}
.hero-stat { flex: 1; min-width: 110px; padding-right: 24px; }
.hero-stat:last-child { padding: 0; }
.hero-stat-num {
  font-family: 'Playfair Display', serif;
  font-size: 26px; font-weight: 900; color: #fff; line-height: 1;
}
.hero-stat-label { font-size: 12px; color: rgba(255,255,255,.55); margin-top: 4px; }

/* Hero card */
.hero-card {
  background: rgba(255,255,255,.08); backdrop-filter: blur(8px);
  border: 1px solid rgba(255,255,255,.15); border-radius: var(--radius-lg);
  padding: 28px 28px 24px;
}
.hero-card-head { display: flex; align-items: center; gap: 14px; margin-bottom: 22px; }
.hero-card-icon {
  width: 50px; height: 50px; background: var(--red-bright);
  border-radius: 14px; display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.hero-card-title { font-family:'Playfair Display',serif; font-size: 20px; color: #fff; margin-bottom: 2px; }
.hero-card-sub   { font-size: 13px; color: rgba(255,255,255,.55); }
.loan-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 20px; }
.loan-opt {
  background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.14);
  border-radius: var(--radius); padding: 14px 10px; text-align: center; cursor: pointer;
  transition: all .2s; user-select: none;
}
.loan-opt:hover  { background: rgba(255,255,255,.13); border-color: rgba(255,255,255,.35); }
.loan-opt.sel    { background: var(--red-bright); border-color: var(--red-bright); }
.loan-opt-amt  { font-family:'Playfair Display',serif; font-size: 20px; font-weight: 700; color: #fff; }
.loan-opt-term { font-size: 11px; color: rgba(255,255,255,.6); margin-top: 2px; }
.hero-apply-btn {
  width: 100%; padding: 15px;
  background: var(--gold); color: var(--navy);
  font-family: 'DM Sans', sans-serif; font-weight: 700; font-size: 16px;
  border: none; border-radius: 50px; cursor: pointer;
  box-shadow: 0 4px 18px rgba(201,168,76,.45);
  transition: all .2s;
}
.hero-apply-btn:hover { background: #d4a83a; transform: translateY(-1px); }
.hero-card-trust {
  display: flex; align-items: center; justify-content: center; gap: 7px;
  margin-top: 14px; font-size: 12px; color: rgba(255,255,255,.5);
}

/* ── TRUST RIBBON ──────────────────────────── */
.trust-ribbon { background: var(--red-bright); padding: 14px 0; }
.trust-ribbon-inner {
  max-width: 1160px; margin: 0 auto; padding: 0 20px;
  display: flex; justify-content: center; gap: 36px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex; align-items: center; gap: 8px;
  color: #fff; font-size: 14px; font-weight: 500;
  white-space: nowrap;
}
.trust-item svg { flex-shrink: 0; opacity: .9; }

/* ── SECTION HEADERS ───────────────────────── */
.section-hdr { text-align: center; margin-bottom: 52px; }
.section-hdr h2 { font-size: clamp(26px, 3vw, 40px); color: var(--navy); margin-bottom: 12px; }
.section-hdr p  { font-size: 17px; color: var(--text-mid); max-width: 580px; margin: 0 auto; }
.section-hdr.left { text-align: left; }
.section-hdr.left p { margin: 0; }

/* ── CARDS ─────────────────────────────────── */
.card {
  background: #fff; border-radius: var(--radius-lg);
  border: 1px solid var(--gray-200); box-shadow: var(--shadow-sm);
  padding: 28px 24px; transition: transform .2s, box-shadow .2s;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.card-icon {
  width: 50px; height: 50px; border-radius: 14px;
  background: var(--off-white); border: 1px solid var(--gray-200);
  display: flex; align-items: center; justify-content: center; margin-bottom: 18px;
}
.card-icon svg { fill: var(--navy); }
.card h3 { font-size: 18px; color: var(--navy); margin-bottom: 10px; }
.card p  { font-size: 15px; color: var(--text-mid); line-height: 1.65; }

/* ── FEATURES GRID ─────────────────────────── */
.features-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }

/* ── STEPS ─────────────────────────────────── */
.steps-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; }
.step { text-align: center; }
.step-num {
  width: 68px; height: 68px; margin: 0 auto 18px;
  background: var(--navy); color: #fff; border-radius: 50%;
  font-family: 'Playfair Display', serif; font-size: 24px; font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  border: 4px solid #fff; box-shadow: var(--shadow-md);
  transition: background .2s;
}
.step:hover .step-num { background: var(--red-bright); }
.step h3 { font-size: 16px; color: var(--navy); margin-bottom: 8px; }
.step p  { font-size: 14px; color: var(--text-light); line-height: 1.6; }

/* ── TESTIMONIALS ──────────────────────────── */
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.tcard {
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.13);
  border-radius: var(--radius-lg); padding: 28px;
}
.stars { display: flex; gap: 3px; margin-bottom: 14px; }
.star  { width: 15px; height: 15px; fill: var(--gold); }
.tcard-text {
  font-size: 15px; color: rgba(255,255,255,.85);
  font-style: italic; line-height: 1.7; margin-bottom: 20px;
}
.tcard-author { display: flex; align-items: center; gap: 12px; }
.author-avatar {
  width: 42px; height: 42px; border-radius: 50%;
  background: var(--red-bright);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif; font-size: 15px; font-weight: 700; color: #fff;
  flex-shrink: 0;
}
.author-name { font-weight: 600; font-size: 14px; color: #fff; }
.author-role { font-size: 12px; color: rgba(255,255,255,.5); }

/* ── FAQ ───────────────────────────────────── */
.faq-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
.faq-item { border-bottom: 1px solid var(--gray-200); padding: 22px 0; }
.faq-item:first-child { padding-top: 0; }
.faq-q {
  font-family: 'Playfair Display', serif;
  font-size: 17px; color: var(--navy); margin-bottom: 8px;
  display: flex; gap: 10px; align-items: flex-start;
}
.faq-num {
  background: var(--red-bright); color: #fff;
  font-family: 'DM Sans', sans-serif; font-size: 11px; font-weight: 700;
  width: 22px; height: 22px; border-radius: 50%; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center; margin-top: 3px;
}
.faq-a { font-size: 15px; color: var(--text-mid); line-height: 1.7; }

/* ── AMOUNT CARDS ──────────────────────────── */
.amounts-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.acard {
  background: #fff; border: 2px solid var(--gray-200);
  border-radius: var(--radius-lg); overflow: hidden;
  box-shadow: var(--shadow-sm); transition: all .2s;
}
.acard:hover { border-color: var(--navy); transform: translateY(-4px); box-shadow: var(--shadow-md); }
.acard.featured { border-color: var(--red-bright); transform: translateY(-4px); box-shadow: var(--shadow-md); }
.acard-head { padding: 24px; background: var(--navy); color: #fff; text-align: center; }
.acard.featured .acard-head { background: var(--red-bright); }
.acard-badge {
  display: inline-block; background: rgba(255,255,255,.2);
  font-size: 10px; font-weight: 700; letter-spacing: 1px; text-transform: uppercase;
  color: #fff; padding: 3px 12px; border-radius: 50px; margin-bottom: 12px;
}
.acard-amt { font-family: 'Playfair Display', serif; font-size: 40px; font-weight: 900; color: #fff; }
.acard-body { padding: 22px; }
.acard-row {
  display: flex; justify-content: space-between; align-items: center;
  font-size: 14px; color: var(--text-mid); padding: 9px 0;
  border-bottom: 1px solid var(--gray-100);
}
.acard-row:last-of-type { border: none; }
.acard-row strong { color: var(--text-dark); }
.acard-cta {
  display: block; width: 100%; text-align: center; margin-top: 16px;
  background: var(--navy); color: #fff;
  font-family: 'DM Sans', sans-serif; font-weight: 600; font-size: 14px;
  padding: 12px; border-radius: 50px; transition: background .2s;
}
.acard.featured .acard-cta { background: var(--red-bright); }
.acard-cta:hover { background: var(--red-bright); }

/* ── AGENCIES ──────────────────────────────── */
.agencies-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; }
.agency-chip {
  background: #fff; border: 1px solid var(--gray-200);
  border-radius: var(--radius); padding: 14px 12px;
  text-align: center; font-size: 13px; font-weight: 500;
  color: var(--text-mid); line-height: 1.4; transition: all .2s;
}
.agency-chip:hover { border-color: var(--navy); color: var(--navy); box-shadow: var(--shadow-sm); }
.agency-chip.usps { background: var(--navy); color: #fff; border-color: var(--navy); font-weight: 700; font-size: 14px; }

/* ── CTA BANNER ────────────────────────────── */
.cta-banner { background: var(--red-bright); padding: 64px 0; position: relative; overflow: hidden; }
.cta-banner::before {
  content:''; position:absolute; right:-100px; top:-100px;
  width: 400px; height: 400px; border-radius: 50%;
  background: rgba(255,255,255,.07); pointer-events: none;
}
.cta-inner { text-align: center; position: relative; z-index: 1; }
.cta-inner h2 { font-size: clamp(26px, 3vw, 40px); color: #fff; margin-bottom: 12px; }
.cta-inner p  { font-size: 17px; color: rgba(255,255,255,.85); margin-bottom: 32px; }
.cta-btn {
  display: inline-flex; align-items: center; gap: 8px;
  background: #fff; color: var(--red-bright);
  font-family: 'DM Sans', sans-serif; font-weight: 700; font-size: 16px;
  padding: 15px 36px; border-radius: 50px; border: none; cursor: pointer;
  box-shadow: 0 4px 20px rgba(0,0,0,.2); transition: all .2s;
}
.cta-btn:hover { transform: translateY(-2px); box-shadow: 0 8px 30px rgba(0,0,0,.25); }

/* ── APPLY / ZOHO FORM ─────────────────────── */
.apply-wrapper {
  display: grid; grid-template-columns: 1fr 1.35fr; gap: 56px; align-items: start;
}
.apply-check-list { list-style: none; margin-bottom: 28px; }
.apply-check-list li {
  display: flex; align-items: flex-start; gap: 10px;
  font-size: 15px; color: var(--text-dark); margin-bottom: 12px;
}
.acheck {
  width: 20px; height: 20px; background: var(--navy); border-radius: 50%;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0; margin-top: 2px;
}
.acheck svg { fill: #fff; }
.contact-box {
  background: var(--off-white); border-radius: var(--radius);
  padding: 22px; border: 1px solid var(--gray-200);
}
.contact-box-title { font-size: 14px; font-weight: 600; color: var(--navy); margin-bottom: 14px; }
.contact-row {
  display: flex; align-items: center; gap: 10px;
  font-size: 14px; color: var(--text-mid); margin-bottom: 10px;
}
.contact-row svg { fill: var(--red-bright); flex-shrink: 0; }
.contact-row a { color: var(--navy); font-weight: 500; }
.zoho-box {
  background: var(--off-white); border-radius: var(--radius-lg);
  border: 1px solid var(--gray-200); overflow: hidden; box-shadow: var(--shadow-sm);
}
.zoho-head { background: var(--navy); padding: 22px 26px; }
.zoho-head h3 { color: #fff; font-size: 22px; margin-bottom: 4px; }
.zoho-head p  { color: rgba(255,255,255,.6); font-size: 13px; }
.zoho-body { padding: 24px; }
.zoho-body iframe { width: 100%; border: none; display: block; min-height: 580px; }

/* ── SEO PROSE BLOCK ───────────────────────── */
.prose-section { padding: 56px 0; background: var(--off-white); }
.prose-wrap { max-width: 860px; }
.prose-wrap h2 { font-size: 28px; color: var(--navy); margin-bottom: 18px; }
.prose-wrap h3 { font-size: 20px; color: var(--navy); margin: 28px 0 10px; }
.prose-wrap p  { color: var(--text-mid); line-height: 1.8; margin-bottom: 16px; font-size: 16px; }
.prose-wrap ul { margin: 0 0 16px 0; }
.prose-wrap ul li {
  color: var(--text-mid); font-size: 16px; line-height: 1.8; margin-bottom: 6px;
  padding-left: 20px; position: relative;
}
.prose-wrap ul li::before {
  content: ''; position: absolute; left: 0; top: 10px;
  width: 6px; height: 6px; background: var(--red-bright); border-radius: 50%;
}

/* ── FOOTER ────────────────────────────────── */
footer { background: #050f1e; color: rgba(255,255,255,.7); }
.footer-top {
  padding: 56px 0 36px;
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px;
}
.footer-brand { }
.footer-logo  { display: flex; align-items: center; gap: 10px; margin-bottom: 14px; }
.footer-logo img { height: 42px; width: auto; filter: brightness(0) invert(1); }
.footer-logo-name {
  font-family: 'Playfair Display', serif; font-size: 17px; color: #fff; font-weight: 700;
}
.footer-desc { font-size: 14px; line-height: 1.7; max-width: 270px; margin-bottom: 18px; }
.footer-flag { display: flex; gap: 3px; }
.flag-stripe { width: 22px; height: 4px; border-radius: 2px; }
.footer-col-title {
  font-size: 11px; font-weight: 700; letter-spacing: 1.4px; text-transform: uppercase;
  color: rgba(255,255,255,.35); margin-bottom: 14px;
}
.footer-links li { margin-bottom: 9px; }
.footer-links a { font-size: 14px; color: rgba(255,255,255,.6); transition: color .2s; }
.footer-links a:hover { color: #fff; }
.footer-contact-row {
  display: flex; align-items: center; gap: 9px; font-size: 14px; margin-bottom: 9px;
  color: rgba(255,255,255,.6);
}
.footer-contact-row svg { fill: var(--red-bright); flex-shrink: 0; }
.footer-contact-row a { color: rgba(255,255,255,.7); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.07);
  padding: 18px 0;
  display: flex; justify-content: space-between; align-items: center;
  font-size: 13px; color: rgba(255,255,255,.35); flex-wrap: wrap; gap: 10px;
}
.footer-disclaimer { max-width: 700px; font-size: 12px; line-height: 1.6; color: rgba(255,255,255,.3); }

/* ══════════════════════════════════════════════
   RESPONSIVE — MOBILE FIRST
   ══════════════════════════════════════════════ */

@media (max-width: 1024px) {
  .features-grid  { grid-template-columns: repeat(2, 1fr); }
  .footer-top     { grid-template-columns: 1fr 1fr; }
  .agencies-grid  { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 900px) {
  .hero-inner       { grid-template-columns: 1fr; gap: 36px; }
  .hero h1          { font-size: clamp(30px, 6vw, 44px); }
  .hero-card        { max-width: 480px; }
  .steps-grid       { grid-template-columns: repeat(2, 1fr); }
  .testimonials-grid{ grid-template-columns: 1fr; }
  .faq-grid         { grid-template-columns: 1fr; }
  .amounts-grid     { grid-template-columns: 1fr; max-width: 380px; margin: 0 auto; }
  .apply-wrapper    { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  /* Hide desktop nav items, show hamburger */
  .nav-links, .nav-phone { display: none; }
  .hamburger { display: flex; }
  .nav-inner .btn-primary { display: none; }

  .features-grid { grid-template-columns: 1fr; }
  .agencies-grid { grid-template-columns: repeat(2, 1fr); }
  .top-bar-right { display: none; }

  .hero { padding: 44px 0 36px; }
  .hero-stats { gap: 16px; }
  .hero-stat  { min-width: 90px; }

  .trust-ribbon-inner { gap: 20px; }
  .trust-item { font-size: 13px; }

  .footer-top { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; text-align: center; }
}

@media (max-width: 500px) {
  .hero h1    { font-size: 28px; }
  .hero-sub   { font-size: 15px; }
  .hero-actions { flex-direction: column; }
  .hero-actions a, .hero-actions button { width: 100%; justify-content: center; }
  .loan-grid  { grid-template-columns: 1fr 1fr; }
  .steps-grid { grid-template-columns: 1fr; }
  .agencies-grid { grid-template-columns: 1fr 1fr; }
  .trust-ribbon-inner { flex-direction: column; align-items: flex-start; gap: 12px; }
}