/* =====================================================================
   BMG MONEY USA — Concept A: Federal Authority
   Navy · Cream · Brass Gold · DM Serif Display + Inter
   ===================================================================== */

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

/* ── TOKENS ── */
:root {
  --navy:      #071526;
  --navy2:     #0D2547;
  --navy3:     #1E3A5F;
  --cream:     #F6F2E9;
  --cream2:    #EDE9DF;
  --gold:      #B8862A;
  --gold-lt:   #D4A83E;
  --gold-bg:   rgba(184,134,42,0.10);
  --white:     #ffffff;
  --text:      #071526;
  --text-muted:#6B7280;
  --border:    #E2DDD4;
  --green:     #177A3E;
  --red:       #C0392B;
  --bg-light:  #F6F2E9;
  --radius:    4px;
  --radius-md: 8px;
  --shadow:    0 4px 20px rgba(7,21,38,0.12);
  --shadow-lg: 0 12px 48px rgba(7,21,38,0.22);
}

/* ── RESET ── */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,sans-serif;color:var(--text);background:var(--cream);line-height:1.6;font-size:16px}
img{max-width:100%;height:auto;display:block}
a{text-decoration:none;color:inherit}
ul{list-style:none}

/* ── CONTAINER ── */
.container{max-width:1160px;margin:0 auto;padding:0 32px}

/* ── TYPOGRAPHY ── */
h1,h2,h3,h4{font-family:'DM Serif Display',Georgia,serif;font-weight:400;line-height:1.1;letter-spacing:-.01em}
h1{font-size:clamp(36px,5vw,56px)}
h2{font-size:clamp(28px,4vw,40px)}
h3{font-size:clamp(20px,2.5vw,26px)}
h4{font-size:18px}
p{line-height:1.65;color:var(--text-muted)}
.eyebrow{font-size:11px;font-weight:600;letter-spacing:.14em;color:var(--gold-lt);text-transform:uppercase;display:flex;align-items:center;gap:10px;margin-bottom:14px}
.eyebrow::before{content:'';display:block;width:24px;height:2px;background:var(--gold);flex-shrink:0}

/* ── BUTTONS ── */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 24px;border-radius:var(--radius);font-size:14px;font-weight:600;font-family:'Inter',sans-serif;cursor:pointer;transition:all .18s;border:none;text-decoration:none;line-height:1}
.btn-primary{background:var(--gold);color:var(--navy)}
.btn-primary:hover{background:var(--gold-lt)}
.btn-secondary{background:transparent;color:var(--navy);border:1.5px solid var(--navy)}
.btn-secondary:hover{background:var(--navy);color:#fff}
.btn-outline-light{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,0.4)}
.btn-outline-light:hover{background:rgba(255,255,255,0.1);border-color:#fff}
.btn-lg{padding:14px 30px;font-size:15px}
.btn-block{width:100%;justify-content:center}

/* ── HEADER / NAV ── */
.site-header{background:var(--navy);position:relative;z-index:500}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:64px;gap:24px}
.nav-logo{display:flex;align-items:center;gap:9px;text-decoration:none;flex-shrink:0}
.nav-logo-shield{flex-shrink:0;display:flex;align-items:center}
.nav-logo-text{font-size:17px;font-weight:700;color:#F6F2E9;letter-spacing:-.02em;white-space:nowrap;font-family:'DM Serif Display',serif}
.nav-menu{display:flex;align-items:center;gap:4px}
.nav-menu a{color:#94A3B8;font-size:14px;font-weight:500;padding:6px 12px;border-radius:var(--radius);transition:color .15s}
.nav-menu a:hover,.nav-menu a.active{color:#fff}
.nav-dropdown{position:relative}
.nav-dropdown>a::after{content:'▾';font-size:10px;margin-left:4px;opacity:.6}
.dropdown-menu{position:absolute;top:100%;left:0;background:var(--navy2);border:1px solid var(--navy3);border-radius:var(--radius-md);padding:8px;min-width:210px;z-index:200;display:none;box-shadow:var(--shadow);margin-top:8px}
.nav-dropdown::before{content:'';position:absolute;top:100%;left:0;right:0;height:12px;z-index:199}
.nav-dropdown:hover .dropdown-menu{display:block}
.dropdown-menu a{display:block;padding:9px 14px;color:#94A3B8;font-size:13px;border-radius:var(--radius)}
.dropdown-menu a:hover{background:var(--navy3);color:#fff}
.nav-cta{background:var(--gold);color:var(--navy);font-weight:700;flex-shrink:0}
.nav-cta:hover{background:var(--gold-lt)}
.nav-hamburger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:4px}
.nav-hamburger span{display:block;width:22px;height:2px;background:#fff;border-radius:2px}
.mobile-nav{display:none;background:var(--navy2);padding:16px 24px 24px;border-bottom:1px solid var(--navy3)}
.mobile-nav a{display:block;color:#94A3B8;padding:10px 0;font-size:15px;border-bottom:1px solid var(--navy3)}
.mobile-nav a:last-child{border-bottom:none}

/* ── BREADCRUMB ── */
.breadcrumb{background:var(--cream2);border-bottom:1px solid var(--border);padding:10px 0}
.breadcrumb-list{display:flex;align-items:center;gap:8px;font-size:12px;color:var(--text-muted)}
.breadcrumb-list li+li::before{content:'›';opacity:.5}
.breadcrumb-list a{color:var(--gold);font-weight:500}

/* ── HERO ── */
.hero{background:var(--navy);padding:80px 0 72px}
.hero-split{display:grid;grid-template-columns:1fr 440px;gap:64px;align-items:center}
.hero-content .eyebrow{color:var(--gold-lt)}
.hero h1{color:#fff;font-size:clamp(38px,5vw,56px);line-height:1.06;margin-bottom:18px}
.hero h1 em{color:var(--gold-lt);font-style:italic}
.hero-lead{color:#94A3B8;font-size:17px;line-height:1.65;margin-bottom:32px}
.hero-buttons{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:48px}
.hero-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--navy3);border:1px solid var(--navy3);border-radius:var(--radius-md);overflow:hidden}
.hero-stat{background:var(--navy2);padding:16px 18px}
.hero-stat-num{font-family:'DM Serif Display',serif;font-size:26px;color:var(--gold-lt);display:block;line-height:1}
.hero-stat-lbl{font-size:11px;color:#64748B;margin-top:4px;display:block}

/* ── HERO CARD (form) ── */
.hero-card{background:#fff;border-radius:var(--radius-md);padding:32px;box-shadow:var(--shadow-lg)}
.hero-card h3{font-family:'DM Serif Display',serif;font-size:22px;color:var(--navy);margin-bottom:6px}
.hero-card p{font-size:13px;color:var(--text-muted);margin-bottom:24px;line-height:1.5}

/* ── TRUST BAR ── */
.trust-bar{background:var(--cream2);border-bottom:1px solid var(--border);padding:28px 0}
.trust-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:14px}
.trust-card{background:#fff;border:1px solid #D4C9B0;border-radius:12px;padding:18px 10px;display:flex;flex-direction:column;align-items:center;gap:8px;text-align:center;transition:box-shadow .18s}
.trust-card:hover{box-shadow:0 4px 16px rgba(184,134,42,.12)}
.trust-card-icon{display:flex;align-items:center;justify-content:center;height:32px}
.trust-card-stars{font-size:16px;color:var(--gold);letter-spacing:2px;height:32px;line-height:32px}
.trust-card-title{font-size:13px;font-weight:700;color:#3D2E0E;letter-spacing:.01em}
.trust-card-sub{font-size:11px;color:#7a6a4a;line-height:1.4}
@media(max-width:768px){.trust-grid{grid-template-columns:repeat(3,1fr)}}
@media(max-width:480px){.trust-grid{grid-template-columns:repeat(2,1fr)}}

/* ── SECTIONS ── */
.section{padding:80px 0}
.section.bg-light,.bg-off-white,.bg-light{background:#fff}
.section-header{text-align:center;max-width:620px;margin:0 auto 48px}
.section-header h2{color:var(--navy);margin-bottom:12px}
.section-header p{font-size:16px;color:var(--text-muted);line-height:1.65}

/* ── HIGHLIGHT / ALERT ── */
.highlight-box{background:var(--gold-bg);border:1px solid rgba(184,134,42,0.25);border-radius:var(--radius-md);padding:20px 24px;color:var(--text)}
.alert{background:var(--gold-bg);border-left:4px solid var(--gold);padding:16px 20px;border-radius:0 var(--radius) var(--radius) 0;font-size:0.95rem;color:var(--text)}

/* ── PROGRAMS GRID ── */
/* Loan Programs — Design C */
.prog-section{background:var(--cream2)}
.prog-c-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;align-items:stretch}
/* Featured card */
.prog-feat{display:block;position:relative;border-radius:12px;overflow:hidden;text-decoration:none;min-height:420px}
.prog-feat-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center top}
.prog-feat-overlay{position:absolute;inset:0;background:linear-gradient(to top,rgba(7,21,38,.97) 45%,rgba(7,21,38,.25) 100%)}
.prog-feat-badge{position:absolute;top:14px;left:14px;background:#B8862A;color:#fff;font-size:9.5px;font-weight:700;letter-spacing:.07em;text-transform:uppercase;padding:4px 12px;border-radius:4px;z-index:1}
.prog-feat-body{position:absolute;bottom:0;left:0;right:0;padding:28px;z-index:1}
.prog-eyebrow{font-size:10px;color:#B8862A;letter-spacing:.1em;text-transform:uppercase;font-weight:600;margin-bottom:7px}
.prog-feat-title{font-family:'DM Serif Display',serif;font-size:22px;color:#F6F2E9;line-height:1.25;margin-bottom:10px}
.prog-feat-desc{font-size:12.5px;color:#9BA8B5;line-height:1.7;margin-bottom:20px}
.prog-feat-stats{display:flex;align-items:center;gap:16px;margin-bottom:20px}
.prog-stat{}
.prog-stat-val{font-size:19px;font-weight:700;color:#B8862A;line-height:1}
.prog-stat-lbl{font-size:10px;color:#9BA8B5;margin-top:3px}
.prog-stat-divider{width:1px;height:32px;background:rgba(184,134,42,.25)}
.prog-feat-cta{display:inline-block;background:#B8862A;color:#fff;font-size:12.5px;font-weight:600;padding:11px 22px;border-radius:6px;transition:background .18s}
.prog-feat:hover .prog-feat-cta{background:#9a7020}
/* Compact col */
.prog-compact-col{display:flex;flex-direction:column;gap:12px}
.prog-compact{display:flex;border-radius:12px;overflow:hidden;text-decoration:none;background:#fff;border:1px solid #D4C9B0;transition:box-shadow .18s;min-height:0}
.prog-compact:hover{box-shadow:0 4px 18px rgba(7,21,38,.1)}
.prog-compact-img{width:130px;flex-shrink:0;object-fit:cover;object-position:center 20%}
.prog-compact-body{flex:1;padding:18px 20px;display:flex;flex-direction:column;justify-content:space-between}
.prog-compact-title{font-size:14.5px;font-weight:700;color:#071526;line-height:1.3;margin:5px 0 7px}
.prog-compact-desc{font-size:11.5px;color:#7a6a4a;line-height:1.65;flex:1;margin-bottom:12px}
.prog-compact-stats{display:flex;align-items:center;gap:10px}
.prog-cs-val{font-size:13px;font-weight:700;color:#B8862A}
.prog-cs-lbl{font-size:11px;color:#7a6a4a}
.prog-cs-div{width:1px;height:16px;background:#D4C9B0}
@media(max-width:900px){.prog-c-grid{grid-template-columns:1fr}.prog-feat{min-height:320px}}

/* ── STEPS ── */
.hiw-section{position:relative;background:#071526;overflow:hidden;padding:72px 0}
.hiw-bg-dots{position:absolute;inset:0;background-image:radial-gradient(circle,rgba(184,134,42,.13) 1px,transparent 1px);background-size:32px 32px;pointer-events:none}
.hiw-inner{display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:center;position:relative;z-index:1}
.hiw-left{}
.hiw-badges{display:flex;flex-direction:column;gap:10px;margin-bottom:28px}
.hiw-badge{display:flex;align-items:center;gap:8px;font-size:12.5px;color:#9BA8B5}
.hiw-link{font-size:13px;color:#B8862A;text-decoration:none;border-bottom:1px solid rgba(184,134,42,.35);padding-bottom:2px}
.hiw-link:hover{color:#F6F2E9;border-color:rgba(246,242,233,.4)}
.hiw-right{display:flex;flex-direction:column}
.hiw-step{display:flex;gap:20px;padding-bottom:28px;border-bottom:1px solid rgba(184,134,42,.18);margin-bottom:28px}
.hiw-bar{width:3px;background:#B8862A;border-radius:2px;flex-shrink:0;align-self:stretch;min-height:80px}
.hiw-step-body{flex:1}
.hiw-step-top{display:flex;align-items:center;gap:10px;margin-bottom:8px}
.hiw-num{font-size:13px;font-weight:700;color:#B8862A;font-family:'DM Serif Display',serif;letter-spacing:.04em}
.hiw-step-label{font-size:10.5px;letter-spacing:.1em;text-transform:uppercase;color:rgba(184,134,42,.6);font-weight:600}
.hiw-step-title{font-size:15px;font-weight:700;color:#F6F2E9;margin-bottom:8px;line-height:1.35}
.hiw-step-desc{font-size:12.5px;color:#9BA8B5;line-height:1.7}

/* ── WHY GRID ── */
/* Eligibility — Design D */
.elig-section{background:var(--cream)}
.elig-grid{display:grid;grid-template-columns:1fr 260px;gap:14px;align-items:start}
.elig-panels{display:flex;flex-direction:column;gap:10px}
.elig-panel{background:#fff;border:1px solid #D4C9B0;border-radius:10px;padding:20px 22px}
.elig-panel-header{display:flex;align-items:center;gap:10px;margin-bottom:14px}
.elig-panel-icon{width:30px;height:30px;background:var(--cream2);border-radius:7px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.elig-panel-title{font-size:13.5px;font-weight:700;color:var(--navy);margin:0}
.elig-list{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:1fr 1fr;gap:7px 16px}
.elig-list li{display:flex;align-items:flex-start;gap:7px;font-size:12px;color:#5a4a28;line-height:1.5}
.elig-list li svg{flex-shrink:0;margin-top:1px}
.elig-highlight{color:#B8862A !important}
/* State sidebar */
.elig-state-panel{background:var(--navy);border-radius:10px;padding:22px;display:flex;flex-direction:column;gap:14px}
.elig-eyebrow-sm{font-size:10px;color:#B8862A;letter-spacing:.1em;text-transform:uppercase;font-weight:600}
.elig-state-num{font-size:26px;font-weight:700;color:#F6F2E9;line-height:1}
.elig-state-sub{font-size:11px;color:#9BA8B5;margin-top:4px}
.elig-state-list{font-size:11px;color:#9BA8B5;line-height:2;columns:2;gap:8px;border-top:1px solid rgba(184,134,42,.2);border-bottom:1px solid rgba(184,134,42,.2);padding:12px 0}
.elig-state-foot{display:flex;flex-direction:column;gap:0}
.elig-state-link{font-size:11.5px;color:#B8862A;font-weight:600;text-decoration:none;margin-bottom:4px}
.elig-state-link:hover{color:#F6F2E9}
.elig-list-2col{grid-template-columns:1fr 1fr}
@media(max-width:900px){.elig-grid{grid-template-columns:1fr}.elig-state-panel{order:-1}.elig-state-list{columns:3}.elig-list{grid-template-columns:1fr}}
/* Advantage — Design C */
.adv-section{background:#071526;padding:72px 0}
.adv-header{color:#F6F2E9}
.adv-header p{color:#9BA8B5}
.adv-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:12px}
.adv-card{background:#0D2547;border:1px solid rgba(184,134,42,.2);border-radius:10px;padding:22px 20px}
.adv-card-gold{background:#B8862A;border:none}
.adv-icon{width:40px;height:40px;background:rgba(184,134,42,.12);border-radius:9px;display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.adv-title{font-size:14px;font-weight:700;color:#F6F2E9;margin-bottom:8px;line-height:1.3}
.adv-desc{font-size:12px;color:#9BA8B5;line-height:1.7}
/* Rate strip */
.adv-rate-strip{background:#0D2547;border:1px solid rgba(184,134,42,.18);border-radius:10px;padding:20px 24px;display:flex;align-items:center;gap:0}
.adv-rate-col{flex:1;padding:0 20px}
.adv-rate-col:first-child{padding-left:0}
.adv-rate-example{flex:1.2}
.adv-rate-range{font-size:11px;color:#9BA8B5;margin-bottom:4px}
.adv-rate-apr{font-size:14px;font-weight:700;color:#B8862A;margin-bottom:3px}
.adv-rate-term{font-size:11px;color:#9BA8B5}
.adv-rate-divider{width:1px;height:44px;background:rgba(184,134,42,.2);flex-shrink:0}
.adv-rate-cta{flex-shrink:0;background:#B8862A;color:#fff;font-size:12.5px;font-weight:700;padding:12px 22px;border-radius:8px;text-decoration:none;text-align:center;line-height:1.5;margin-left:20px;transition:background .18s}
.adv-rate-cta:hover{background:#9a7020}
@media(max-width:900px){.adv-grid{grid-template-columns:repeat(2,1fr)}.adv-rate-strip{flex-direction:column;gap:14px;align-items:flex-start}.adv-rate-divider{width:100%;height:1px}.adv-rate-col{padding:0}.adv-rate-cta{margin-left:0;width:100%}}
.why-item{padding:24px;border:1px solid var(--border);border-radius:var(--radius-md);background:#fff}
.why-icon{font-size:28px;margin-bottom:12px}
.why-item h3{font-family:'DM Serif Display',serif;font-size:18px;color:var(--navy);margin-bottom:8px}
.why-item p{font-size:13px;color:var(--text-muted);line-height:1.6}

/* ── TESTIMONIALS ── */
/* Calculator — Design A split panel */
.calc-section{background:var(--cream)}
.calc-split{display:grid;grid-template-columns:1fr 1fr;border-radius:12px;overflow:hidden;border:1px solid #D4C9B0;max-width:860px;margin:0 auto}
.calc-left{background:#F6F2E9;padding:32px}
.calc-field{margin-bottom:26px}
.calc-field-label{display:flex;justify-content:space-between;align-items:center;margin-bottom:12px}
.calc-field-label span:first-child{font-size:13px;font-weight:600;color:#5a4a28}
.calc-val{font-size:14px;font-weight:700;color:#B8862A}
.calc-slider{width:100%;height:4px;border-radius:2px;outline:none;cursor:pointer;-webkit-appearance:none;appearance:none;background:linear-gradient(to right,#B8862A 50%,#D4C9B0 50%)}
.calc-slider::-webkit-slider-thumb{-webkit-appearance:none;width:20px;height:20px;border-radius:50%;background:#B8862A;cursor:pointer;border:2px solid #fff;box-shadow:0 1px 6px rgba(184,134,42,.35)}
.calc-minmax{display:flex;justify-content:space-between;margin-top:7px;font-size:10.5px;color:#9BA8B5}
.calc-note{font-size:10.5px;color:#9BA8B5;line-height:1.65;margin-top:4px}
.calc-right{background:#071526;padding:32px;display:flex;flex-direction:column;justify-content:space-between}
.calc-result-top{margin-bottom:24px}
.calc-result-label{font-size:11.5px;color:#9BA8B5;margin-bottom:8px}
.calc-result-num{font-size:52px;font-weight:700;color:#B8862A;line-height:1}
.calc-result-stats{display:flex;align-items:center;gap:0;padding:18px 0;border-top:1px solid rgba(184,134,42,.2);border-bottom:1px solid rgba(184,134,42,.2);margin-bottom:24px}
.calc-stat{flex:1;text-align:center}
.calc-stat-label{font-size:10px;color:#9BA8B5;margin-bottom:5px;text-transform:uppercase;letter-spacing:.06em}
.calc-stat-val{font-size:16px;font-weight:700;color:#F6F2E9}
.calc-stat-div{width:1px;height:32px;background:rgba(184,134,42,.2)}
.calc-cta{display:block;background:#B8862A;color:#fff;font-size:13px;font-weight:600;padding:13px;border-radius:7px;text-align:center;text-decoration:none;transition:background .18s}
.calc-cta:hover{background:#9a7020}
@media(max-width:900px){.calc-split{grid-template-columns:1fr}.calc-result-num{font-size:40px}}
/* Reviews — Trustpilot style */
.reviews-section{background:#071526;padding:72px 0}
.reviews-section .section-header h2{color:#F6F2E9}
.reviews-section .section-header p{color:#9BA8B5}
.reviews-section .eyebrow{color:#B8862A}
.reviews-header{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:16px;margin-bottom:36px;padding-bottom:24px;border-bottom:1px solid rgba(184,134,42,.2)}
.reviews-header-left{display:flex;align-items:center;gap:20px;flex-wrap:wrap}
.tp-logo{display:flex;align-items:center;gap:8px}
.tp-name{font-size:18px;font-weight:700;color:#F6F2E9;letter-spacing:-.02em}
.tp-score-block{display:flex;align-items:center;gap:10px;flex-wrap:wrap}
.tp-score{font-size:26px;font-weight:700;color:#F6F2E9;line-height:1}
.tp-stars-row{display:flex;gap:1px}
.tp-star{font-size:18px;color:#00B67A}
.tp-label{font-size:12px;color:#9BA8B5}
.reviews-header-right{display:flex;align-items:center;gap:16px;flex-wrap:wrap}
.tp-platform{display:flex;align-items:center;gap:7px;font-size:12px;color:#9BA8B5;font-weight:500}
.tp-stars-sm{color:#B8862A;font-size:13px;letter-spacing:1px}
.tp-badge-bbb{background:#0033A0;color:#fff;font-size:10px;font-weight:700;padding:2px 7px;border-radius:3px;letter-spacing:.04em}
.tp-platform-div{width:1px;height:24px;background:rgba(184,134,42,.25)}
/* 6-card grid */
.reviews-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.review-card{background:#0D2547;border:1px solid rgba(184,134,42,.18);border-radius:10px;padding:22px;display:flex;flex-direction:column}
.rc-top{display:flex;align-items:center;justify-content:space-between;margin-bottom:10px}
.rc-stars{color:#00B67A;font-size:16px;letter-spacing:2px}
.rc-verified{font-size:10px;font-weight:600;color:#00B67A;background:rgba(0,182,122,.1);border:1px solid rgba(0,182,122,.3);border-radius:4px;padding:2px 8px;letter-spacing:.04em}
.rc-title{font-size:13px;font-weight:700;color:#F6F2E9;line-height:1.35;margin-bottom:10px}
.rc-text{font-size:12px;color:#9BA8B5;line-height:1.75;flex:1;margin-bottom:16px;font-style:italic}
.rc-footer{display:flex;align-items:flex-start;gap:10px;padding-top:14px;border-top:1px solid rgba(184,134,42,.15);margin-top:auto}
.rc-avatar{width:34px;height:34px;border-radius:50%;background:#B8862A;color:#fff;font-size:11px;font-weight:700;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.rc-name{font-size:12.5px;font-weight:700;color:#F6F2E9}
.rc-role{font-size:10.5px;color:#9BA8B5;margin-top:1px;line-height:1.4}
.rc-source{font-size:10px;color:#4a6a8a;margin-top:3px}
.reviews-section .btn-outline{border-color:rgba(184,134,42,.5);color:#B8862A}
.reviews-section .btn-outline:hover{background:#B8862A;color:#fff;border-color:#B8862A}

/* Loan Uses — Design A full-bleed overlay */
.uses-section{background:#F6F2E9;padding:72px 0}
.uses-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.use-card{display:block;position:relative;border-radius:12px;overflow:hidden;text-decoration:none;height:220px}
.use-card:hover .use-img{transform:scale(1.04)}
.use-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center;transition:transform .4s ease}
.use-overlay{position:absolute;inset:0;background:linear-gradient(to top,rgba(7,21,38,.92) 35%,rgba(7,21,38,0) 65%)}
.use-badge{position:absolute;top:12px;right:12px;background:#B8862A;color:#fff;font-size:9px;font-weight:700;letter-spacing:.07em;text-transform:uppercase;padding:4px 10px;border-radius:4px;z-index:1}
.use-body{position:absolute;bottom:0;left:0;right:0;padding:18px 20px;z-index:1}
.use-amount{font-size:9.5px;color:#B8862A;letter-spacing:.1em;text-transform:uppercase;font-weight:600;margin-bottom:5px}
.use-title{font-size:15px;font-weight:700;color:#F6F2E9;margin-bottom:6px;line-height:1.2}
.use-desc{font-size:11.5px;color:#9BA8B5;line-height:1.65;display:none}
.use-card:hover .use-desc{display:block}
.use-card:hover .use-overlay{background:linear-gradient(to top,rgba(7,21,38,.95) 40%,rgba(7,21,38,.05) 70%)}
@media(max-width:900px){.uses-grid{grid-template-columns:repeat(2,1fr)}.use-desc{display:block}}
@media(max-width:600px){.uses-grid{grid-template-columns:1fr}}
@media(max-width:900px){.reviews-grid{grid-template-columns:1fr 1fr}.reviews-header{flex-direction:column;align-items:flex-start}}
@media(max-width:600px){.reviews-grid{grid-template-columns:1fr}}
.testimonial-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius-md);padding:24px}
.tc-stars{color:var(--gold);font-size:14px;margin-bottom:12px}
.tc-text{font-size:14px;color:var(--text);line-height:1.65;margin-bottom:16px;font-style:italic}
.tc-author{font-size:12px;font-weight:600;color:var(--navy)}
.tc-role{font-size:11px;color:var(--text-muted)}

/* ── FAQ ── */
.faq-item{border-bottom:1px solid var(--border);padding:4px 0}
.faq-question,.faq-q{width:100%;text-align:left;background:none;border:none;padding:16px 0;font-size:15px;font-weight:600;color:var(--navy);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:16px;font-family:'Inter',sans-serif}
.faq-question::after,.faq-q::after{content:'+';font-size:18px;color:var(--gold);flex-shrink:0;transition:transform .2s}
.faq-item.open .faq-question::after,.faq-item.open .faq-q::after{transform:rotate(45deg)}
.faq-answer,.faq-a{display:none;padding:0 0 16px}
.faq-item.open .faq-answer,.faq-item.open .faq-a{display:block}
.faq-answer p,.faq-a p{font-size:14px;color:var(--text-muted);line-height:1.7}

/* ── BLOG ── */
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.blog-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius-md);overflow:hidden;transition:box-shadow .2s}
.blog-card:hover{box-shadow:var(--shadow)}
.blog-card-img{height:160px;background:var(--navy2)}
.blog-card-top{padding:16px 20px 0}
.blog-card-body{padding:16px 20px 20px}
.blog-card-meta{display:flex;align-items:center;gap:10px;font-size:11px;color:var(--text-muted);margin-bottom:8px}
.blog-card-cat,.bc-cat{background:var(--gold-bg);color:var(--gold);font-size:11px;font-weight:700;padding:2px 8px;border-radius:2px;text-transform:uppercase;letter-spacing:.04em}
.blog-card-title,.blog-card-title a{font-family:'DM Serif Display',serif;font-size:17px;color:var(--navy);line-height:1.3;margin-bottom:8px}
.blog-card-title a:hover{color:var(--gold)}
.blog-card-excerpt,.blog-meta{font-size:13px;color:var(--text-muted);line-height:1.6}
.blog-card-link{font-size:13px;font-weight:600;color:var(--gold);display:inline-flex;align-items:center;gap:4px;margin-top:12px}
.blog-meta{font-style:italic;margin-top:8px}

/* ── BLOG ARTICLE LAYOUT ── */
.two-col{display:grid;grid-template-columns:1fr 320px;gap:48px;align-items:start}
.main-col{}
.sidebar{}
.sidebar-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius-md);padding:24px;margin-bottom:24px}
.sidebar-card h3{font-family:'DM Serif Display',serif;font-size:17px;color:var(--navy);margin-bottom:12px}

/* ── ARTICLE STYLES ── */
.main-col h1{font-family:'DM Serif Display',serif;color:var(--navy);margin-bottom:16px}
.main-col h2{font-family:'DM Serif Display',serif;font-size:26px;color:var(--navy);margin:32px 0 12px}
.main-col h3{font-family:'DM Serif Display',serif;font-size:20px;color:var(--navy);margin:24px 0 10px}
.main-col p{color:var(--text-muted);line-height:1.7;margin-bottom:16px}
.main-col ul,.main-col ol{padding-left:20px;color:var(--text-muted);font-size:15px;line-height:2;margin-bottom:16px}
.author-box{display:flex;gap:16px;align-items:flex-start;background:var(--cream);border:1px solid var(--border);border-radius:var(--radius-md);padding:20px;margin-top:40px}
.author-avatar{width:48px;height:48px;background:var(--navy);border-radius:50%;display:grid;place-items:center;color:var(--gold-lt);font-weight:700;flex-shrink:0;font-size:14px}
.author-name{font-weight:700;color:var(--navy);font-size:15px}
.author-title{font-size:12px;color:var(--text-muted);margin-bottom:6px}
.author-info p{font-size:13px;color:var(--text-muted);line-height:1.6;margin:0}

/* ── RATES TABLE ── */
.rates-table{width:100%;border-collapse:collapse;font-size:14px;margin:16px 0}
.rates-table th{background:var(--navy);color:#fff;padding:10px 14px;text-align:left;font-size:12px;font-weight:600;letter-spacing:.04em}
.rates-table td{padding:10px 14px;border-bottom:1px solid var(--border)}
.rates-table tr:hover td{background:var(--cream)}

/* ── CHECKLIST ── */
.checklist{padding:0;list-style:none}
.checklist li{padding:6px 0 6px 28px;position:relative;font-size:14px;color:var(--text-muted);border-bottom:1px solid var(--border)}
.checklist li:last-child{border-bottom:none}
.checklist li::before{content:'✓';position:absolute;left:0;color:var(--gold);font-weight:700;font-size:14px}

/* ── FORM ── */
.lead-form .form-group{margin-bottom:14px}
.lead-form label{display:block;font-size:12px;font-weight:600;color:var(--navy);margin-bottom:5px;letter-spacing:.02em}
.lead-form select,.lead-form input{width:100%;padding:10px 14px;border:1px solid var(--border);border-radius:var(--radius);font-size:14px;color:var(--text);background:var(--cream);font-family:inherit;appearance:none}
.lead-form select:focus,.lead-form input:focus{outline:2px solid var(--gold);border-color:transparent}
.hero-card-note{text-align:center;font-size:11px;color:var(--text-muted);margin-top:12px}

/* ── CTA BANNER ── */
.cta-banner{background:var(--navy);color:#fff;padding:72px 0;text-align:center}
.cta-banner .eyebrow{justify-content:center}
.cta-banner h2{font-family:'DM Serif Display',serif;font-size:clamp(28px,4vw,40px);color:#fff;margin-bottom:14px;text-align:center}
.cta-banner .container{text-align:center}
.cta-banner p{color:#94A3B8;font-size:16px;max-width:560px;margin:0 auto 32px;line-height:1.65}
.cta-btns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;align-items:center}
.cta-banner .btn-secondary{color:#fff;border-color:rgba(255,255,255,.45);background:transparent}
.cta-banner .btn-secondary:hover{background:rgba(255,255,255,.1);border-color:#fff}

/* ── PAGE HERO (inner pages) ── */
.page-hero{background:var(--navy);padding:56px 0 48px;color:#fff}
.page-hero .eyebrow{color:var(--gold-lt);margin-bottom:10px}
.page-hero h1{color:#fff;font-size:clamp(28px,4vw,44px);margin-bottom:12px}
.page-hero p{color:#94A3B8;font-size:16px;max-width:580px;line-height:1.65}

/* ── FOOTER ── */
.site-footer{background:var(--navy);color:#fff}
.footer-top{display:grid;grid-template-columns:1.8fr 1fr 1fr 1fr;gap:48px;padding:56px 0 40px;border-bottom:1px solid var(--navy3)}
.footer-brand p{color:#64748B;font-size:13px;line-height:1.6;margin-top:12px}
.footer-col h4{font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#94A3B8;margin-bottom:16px}
.footer-col ul li{margin-bottom:8px}
.footer-col ul li a{color:#64748B;font-size:13px;transition:color .15s}
.footer-col ul li a:hover{color:var(--gold-lt)}
.footer-disclaimer{padding:24px 0;border-bottom:1px solid var(--navy3)}
.footer-disclaimer p{font-size:11px;color:#475569;line-height:1.65;margin-bottom:8px}
.footer-bottom{padding:16px 0}
.footer-bottom-inner{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap}
.footer-bottom-inner p{font-size:12px;color:#475569}
.footer-legal-links{display:flex;gap:20px}
.footer-legal-links a{font-size:12px;color:#475569;transition:color .15s}
.footer-legal-links a:hover{color:var(--gold-lt)}

/* ── UTILITIES ── */
.text-center{text-align:center}
.mt-32{margin-top:32px}
.bg-navy{background:var(--navy);color:#fff}
.two-col-50{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}

/* ── RESPONSIVE ── */
@media(max-width:900px){
  .hero-split,.two-col,.two-col-50,.programs-grid,.steps,.why-grid,.testimonials-grid,.blog-grid,.footer-top,.hiw-inner{grid-template-columns:1fr}
  .hiw-inner{gap:36px}
  .hiw-bar{min-height:60px}
  .hero-stat,.ca-stat{padding:12px}
  .container{padding:0 20px}
  .nav-menu,.nav-cta{display:none}
  .nav-hamburger{display:flex}
  .mobile-nav.open{display:block}
  .hero{padding:48px 0}
  .section{padding:56px 0}
  .hero-stats{grid-template-columns:repeat(2,1fr)}
}

/* ── MOBILE NAV JS ── */

/* Allotment Mechanics */
.allot-section{background:#EDE8DC;padding:72px 0}
.allot-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;align-items:start}
/* Steps card */
.allot-steps-card{background:#071526;border-radius:12px;padding:28px 28px 20px}
.allot-steps-title{font-size:11px;color:#B8862A;letter-spacing:.1em;text-transform:uppercase;font-weight:600;margin-bottom:22px}
.allot-timeline{display:flex;flex-direction:column}
.allot-step{display:flex;gap:16px;margin-bottom:0}
.allot-step-last .allot-step-body{padding-bottom:0}
.allot-step-left{display:flex;flex-direction:column;align-items:center;flex-shrink:0;width:32px}
.allot-num{width:32px;height:32px;border-radius:50%;background:#B8862A;color:#fff;font-size:13px;font-weight:700;display:flex;align-items:center;justify-content:center;flex-shrink:0;z-index:1}
.allot-num-done{background:rgba(184,134,42,.2);border:1.5px solid #B8862A;color:#B8862A;font-size:14px}
.allot-line{width:2px;flex:1;background:rgba(184,134,42,.2);margin:4px 0;min-height:20px}
.allot-step-body{padding-bottom:18px;flex:1;padding-top:4px}
.allot-step-title{font-size:13px;font-weight:700;color:#F6F2E9;margin-bottom:4px;line-height:1.3}
.allot-step-desc{font-size:11.5px;color:#9BA8B5;line-height:1.65}
/* Advantage col */
.allot-adv-col{display:flex;flex-direction:column;gap:10px}
.allot-adv-label{font-size:11px;color:#B8862A;letter-spacing:.1em;text-transform:uppercase;font-weight:600;margin-bottom:2px}
.allot-adv-card{background:#fff;border:1px solid #D4C9B0;border-radius:10px;padding:18px 20px;display:flex;gap:14px;align-items:flex-start}
.allot-adv-icon{width:36px;height:36px;background:#F6F2E9;border-radius:8px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.allot-adv-title{font-size:13px;font-weight:700;color:#071526;margin-bottom:5px}
.allot-adv-desc{font-size:11.5px;color:#7a6a4a;line-height:1.65}
.allot-link{font-size:12.5px;color:#B8862A;font-weight:600;text-decoration:none;border-bottom:1px solid rgba(184,134,42,.35);padding-bottom:2px;align-self:flex-start;margin-top:4px}
.allot-link:hover{color:#071526;border-color:rgba(7,21,38,.3)}
@media(max-width:900px){.allot-grid{grid-template-columns:1fr}}

/* Speedy Cash Comparison — Design A */
.sc-section{background:#F6F2E9;padding:72px 0}
.sc-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;max-width:800px;margin:0 auto}
.sc-card{border-radius:12px;overflow:hidden}
.sc-card-bmg{background:#071526}
.sc-card-sp{background:#fff;border:1px solid #D4C9B0}
.sc-card-header{display:flex;align-items:center;gap:9px;padding:14px 22px;font-size:13px;font-weight:700}
.sc-header-bmg{background:#B8862A;color:#fff}
.sc-header-sp{background:#EDE8DC;color:#5a4a28}
.sc-card-body{padding:22px}
.sc-apr-block{text-align:center;padding-bottom:18px;margin-bottom:16px}
.sc-apr-label{font-size:10px;letter-spacing:.1em;text-transform:uppercase;color:#9BA8B5;margin-bottom:6px}
.sc-label-muted{color:#7a6a4a}
.sc-apr-num{font-size:46px;font-weight:700;line-height:1}
.sc-apr-gold{color:#B8862A}
.sc-apr-red{color:#c0392b;opacity:.55;text-decoration:line-through}
.sc-apr-sub{font-size:11px;color:#9BA8B5;margin-top:4px}
.sc-sub-muted{color:#7a6a4a}
/* BMG rows */
.sc-rows{display:flex;flex-direction:column;border-top:1px solid rgba(184,134,42,.2)}
.sc-row{display:flex;justify-content:space-between;align-items:center;padding:9px 0;border-bottom:1px solid rgba(184,134,42,.1);gap:8px}
.sc-row-last{border-bottom:none}
.sc-row-label{font-size:12px;color:#9BA8B5}
.sc-row-val{font-size:12px;color:#F6F2E9;font-weight:500;text-align:right}
.sc-val-good{color:#4CAF50;font-weight:700}
/* Speedy Cash rows */
.sc-row-sp{display:flex;justify-content:space-between;align-items:center;padding:9px 0;border-bottom:1px solid #EDE8DC;gap:8px}
.sc-row-label-sp{font-size:12px;color:#7a6a4a}
.sc-row-val-sp{font-size:12px;color:#5a4a28;font-weight:500;text-align:right}
.sc-val-bad{color:#c0392b;font-weight:700}
@media(max-width:700px){.sc-grid{grid-template-columns:1fr}}

/* FAQ — Design D white clean */
.faq-section{background:#fff;padding:72px 0;border-top:1px solid #EDE8DC}
.faq-wrap{max-width:720px;margin:0 auto}
.faq-head{text-align:center;margin-bottom:32px}
.faq-accordion{display:flex;flex-direction:column}
.faqd-item{border-bottom:1px solid #EDE8DC}
.faqd-q{width:100%;background:none;border:none;display:flex;justify-content:space-between;align-items:center;padding:20px 0;cursor:pointer;text-align:left;gap:12px}
.faqd-q span{font-size:14.5px;font-weight:600;color:#5a4a28;line-height:1.4;transition:color .18s}
.faqd-open .faqd-q span{color:#071526}
.faqd-btn{width:24px;height:24px;border-radius:50%;border:1.5px solid #D4C9B0;display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:border-color .18s}
.faqd-open .faqd-btn{border-color:#B8862A}
.faqd-icon{color:#B8862A;font-size:16px;font-weight:300;line-height:1;display:block;margin-top:-1px}
.faqd-a{font-size:13px;color:#7a6a4a;line-height:1.8;padding-bottom:20px}
.faqd-a a{color:#B8862A;text-decoration:underline}
.faqd-footer{display:flex;gap:12px;justify-content:center;margin-top:32px;padding-top:24px;border-top:1px solid #EDE8DC}

/* Blog Preview section */
.blog-section{background:#071526;padding:72px 0}
.blog-section .section-header h2{color:#F6F2E9}
.blog-section .section-header p{color:#9BA8B5}
.blog-section .eyebrow{color:#B8862A}
.blog-section .blog-card{background:#0D2547;border:1px solid rgba(184,134,42,.18);border-radius:10px}
.blog-section .blog-card-top{border-bottom:1px solid rgba(184,134,42,.15)}
.blog-section .bc-cat{color:#B8862A;background:rgba(184,134,42,.12)}
.blog-section .blog-card-body h3 a{color:#F6F2E9}
.blog-section .blog-card-body h3 a:hover{color:#B8862A}
.blog-section .blog-card-body p{color:#9BA8B5}
.blog-section .blog-meta{color:#4a6a8a !important}
.blog-section .btn-outline{border-color:rgba(184,134,42,.5);color:#B8862A}
.blog-section .btn-outline:hover{background:#B8862A;color:#fff;border-color:#B8862A}

/* CTA phone */
.cta-phone{display:flex;align-items:center;gap:8px;justify-content:center;font-size:13px;color:rgba(255,255,255,.65);margin-top:18px}
.cta-phone-link{color:#fff;font-weight:700;text-decoration:none}
.cta-phone-link:hover{color:#F6F2E9}
/* SC Hub */
.sc-hub-section{background:#EDE8DC;padding:72px 0}
@media(max-width:600px){.cta-btns{flex-direction:column;align-items:center}.cta-btns .btn{min-width:220px;text-align:center}}