/* =======================================================
   Superior Funding — Main Stylesheet
   Theme: White → Navy → Blue → Red → Light Gray
   Priority: contrast-safe pairings only
   ======================================================= */

:root{
  /* Brand palette — ordered by priority */
  --white:#ffffff;
  --navy:#0a2540;          /* primary brand, headings */
  --navy-dark:#061a2e;     /* footer bg, deep accents */
  --navy-soft:#1e3a5f;     /* body text on white */
  --blue:#1976d2;          /* link / accent */
  --blue-hover:#125ea8;
  --blue-tint:#e8f1fb;     /* light tint bg */
  --red:#d32f2f;           /* CTA / apply */
  --red-hover:#b71c1c;
  --gray:#f5f7fa;          /* secondary bg */
  --gray-mid:#e3e8ef;
  --gray-border:#d6dde6;
  --text-dark:#0a2540;     /* main text on white = navy */
  --text-muted:#3e5573;    /* lighter body, still AA */
  --shadow-sm:0 2px 8px rgba(10,37,64,.08);
  --shadow-md:0 6px 20px rgba(10,37,64,.12);
  --shadow-lg:0 12px 32px rgba(10,37,64,.16);
  --radius:8px;
  --radius-lg:14px;
  --container:1180px;
  --transition:.25s ease;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,'Helvetica Neue',Arial,sans-serif;
  font-size:16px;line-height:1.65;
  color:var(--text-dark);
  background:var(--white);
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}

img{max-width:100%;height:auto;display:block}
a{color:var(--blue);text-decoration:none;transition:color var(--transition)}
a:hover{color:var(--blue-hover);text-decoration:underline}

h1,h2,h3,h4,h5,h6{
  color:var(--navy);
  font-weight:700;line-height:1.25;margin-bottom:.6em;
  letter-spacing:-.01em;
}
h1{font-size:clamp(1.9rem,4.2vw,2.8rem)}
h2{font-size:clamp(1.55rem,3vw,2.1rem)}
h3{font-size:clamp(1.25rem,2.2vw,1.5rem)}
h4{font-size:1.15rem}
p{margin-bottom:1.1em;color:var(--text-dark)}
ul,ol{padding-left:1.4em;margin-bottom:1.1em}
li{margin-bottom:.4em;color:var(--text-dark)}

.container{max-width:var(--container);margin:0 auto;padding:0 22px}

/* ========== HEADER / NAVBAR ========== */
.site-header{
  background:var(--white);
  border-bottom:1px solid var(--gray-border);
  box-shadow:var(--shadow-sm);
  position:sticky;top:0;z-index:1000;
}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;padding:14px 22px;max-width:var(--container);margin:0 auto}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.25rem;color:var(--navy)}
.brand:hover{color:var(--navy);text-decoration:none}
.brand img{width:36px;height:36px}
.brand-text{font-family:'Segoe UI',sans-serif;letter-spacing:-.02em}
.brand-text span{color:var(--red)}

.nav-toggle{display:none;background:none;border:0;cursor:pointer;padding:8px;color:var(--navy)}
.nav-toggle svg{width:28px;height:28px}

.nav-menu{display:flex;align-items:center;gap:6px;list-style:none;padding:0;margin:0}
.nav-menu>li{position:relative}
.nav-menu>li>a,.nav-menu>li>.drop-btn{
  display:block;padding:10px 14px;color:var(--navy);font-weight:600;font-size:.95rem;
  border-radius:6px;background:none;border:0;cursor:pointer;font-family:inherit;
}
.nav-menu>li>a:hover,.nav-menu>li>.drop-btn:hover{background:var(--blue-tint);color:var(--blue-hover);text-decoration:none}
.nav-menu>li.active>a{color:var(--blue)}

/* dropdown */
.dropdown{position:relative}
.drop-btn::after{content:" ▾";font-size:.7em;opacity:.7;margin-left:2px}
.dropdown-menu{
  position:absolute;top:100%;left:0;min-width:220px;background:var(--white);
  border:1px solid var(--gray-border);border-radius:8px;box-shadow:var(--shadow-md);
  padding:8px 0;list-style:none;margin:6px 0 0;
  opacity:0;visibility:hidden;transform:translateY(-6px);transition:all var(--transition);
  z-index:50;
}
.dropdown:hover>.dropdown-menu,.dropdown:focus-within>.dropdown-menu{opacity:1;visibility:visible;transform:translateY(0)}
.dropdown-menu li{margin:0}
.dropdown-menu a{display:block;padding:10px 16px;color:var(--navy);font-weight:500;font-size:.92rem}
.dropdown-menu a:hover{background:var(--blue-tint);color:var(--blue-hover);text-decoration:none}

.nav-spacer{flex:0 0 36px}

.btn-apply-nav{
  background:var(--white);color:var(--red)!important;
  padding:10px 22px;border-radius:6px;font-weight:700;font-size:.95rem;
  border:2px solid var(--red);
  box-shadow:0 2px 6px rgba(211,47,47,.18);
  transition:all var(--transition);
}
.btn-apply-nav:hover{
  background:var(--red);color:var(--white)!important;
  text-decoration:none;transform:translateY(-1px);
  box-shadow:0 4px 12px rgba(211,47,47,.4);
}

/* ========== BUTTONS ========== */
.btn{
  display:inline-block;padding:13px 28px;border-radius:6px;font-weight:700;
  font-size:1rem;cursor:pointer;border:0;font-family:inherit;
  text-align:center;transition:all var(--transition);text-decoration:none;
}
.btn-primary{background:var(--red);color:var(--white)}
.btn-primary:hover{background:var(--red-hover);color:var(--white);text-decoration:none;transform:translateY(-1px);box-shadow:0 6px 16px rgba(211,47,47,.35)}
.btn-secondary{background:var(--blue);color:var(--white)}
.btn-secondary:hover{background:var(--blue-hover);color:var(--white);text-decoration:none}
.btn-outline{background:transparent;color:var(--navy);border:2px solid var(--navy)}
.btn-outline:hover{background:var(--navy);color:var(--white);text-decoration:none}
.btn-lg{padding:16px 36px;font-size:1.1rem}

/* ========== BREADCRUMB ========== */
.breadcrumb{background:var(--gray);padding:12px 0;border-bottom:1px solid var(--gray-border);font-size:.88rem}
.breadcrumb ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;align-items:center;gap:6px}
.breadcrumb li{margin:0}
.breadcrumb li+li::before{content:"›";color:var(--text-muted);margin:0 8px}
.breadcrumb a{color:var(--blue)}
.breadcrumb [aria-current="page"]{color:var(--navy);font-weight:600}

/* ========== HERO ========== */
.hero{
  background:linear-gradient(135deg,var(--navy) 0%,var(--navy-dark) 100%);
  color:var(--white);padding:80px 0 60px;position:relative;overflow:hidden;
}
.hero::before{
  content:"";position:absolute;inset:0;
  background:radial-gradient(circle at 80% 30%,rgba(25,118,210,.25) 0%,transparent 55%);
  pointer-events:none;
}
.hero-grid{display:grid;grid-template-columns:1.05fr 1fr;gap:50px;align-items:center;position:relative;z-index:2}
.hero h1{color:var(--white);margin-bottom:18px}
.hero .lead{font-size:1.15rem;color:rgba(255,255,255,.92);margin-bottom:28px;line-height:1.6}
.hero-stats{display:flex;gap:30px;margin-top:32px;flex-wrap:wrap}
.hero-stat{}
.hero-stat .num{display:block;color:var(--white);font-size:1.9rem;font-weight:800;line-height:1.1}
.hero-stat .lbl{font-size:.85rem;color:rgba(255,255,255,.78);text-transform:uppercase;letter-spacing:.07em}
.hero-image{border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-lg);aspect-ratio:16/12}
.hero-image img{width:100%;height:100%;object-fit:cover}
.hero-buttons{display:flex;gap:14px;flex-wrap:wrap}

/* ========== FORM (under hero) ========== */
.form-section{background:var(--gray);padding:54px 0;border-bottom:1px solid var(--gray-border)}
.form-card{
  max-width:780px;margin:0 auto;background:var(--white);
  border:1px solid var(--gray-border);border-radius:var(--radius-lg);
  padding:38px;box-shadow:var(--shadow-md);
}
.form-card h2{text-align:center;margin-bottom:8px}
.form-card .form-sub{text-align:center;color:var(--text-muted);margin-bottom:24px}
#_lg_form_{min-height:200px}

/* ========== SECTIONS ========== */
section{padding:64px 0}
section.alt{background:var(--gray)}
section.navy-band{background:var(--navy);color:var(--white)}
section.navy-band h2,section.navy-band h3{color:var(--white)}
section.navy-band p,section.navy-band li{color:rgba(255,255,255,.92)}

.section-title{text-align:center;margin-bottom:14px}
.section-sub{text-align:center;color:var(--text-muted);max-width:720px;margin:0 auto 42px;font-size:1.05rem}

/* ========== AMOUNT CARDS (3 in row) ========== */
.amount-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:30px}
.amount-card{
  background:var(--white);border:2px solid var(--gray-border);
  border-radius:var(--radius-lg);padding:32px 26px;text-align:center;
  transition:all var(--transition);position:relative;
}
.amount-card:hover{border-color:var(--blue);transform:translateY(-4px);box-shadow:var(--shadow-md)}
.amount-card.featured{border-color:var(--red);background:linear-gradient(180deg,var(--white) 0%,#fff5f5 100%)}
.amount-card .badge{
  position:absolute;top:-12px;left:50%;transform:translateX(-50%);
  background:var(--red);color:var(--white);font-size:.75rem;padding:4px 14px;
  border-radius:20px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;
}
.amount-card .amt{display:block;color:var(--navy);font-size:2.4rem;font-weight:800;margin-bottom:8px}
.amount-card .term{display:block;color:var(--text-muted);font-size:.95rem;margin-bottom:18px}
.amount-card ul{list-style:none;padding:0;margin:0 0 20px;text-align:left}
.amount-card ul li{padding-left:24px;position:relative;margin-bottom:8px;font-size:.92rem}
.amount-card ul li::before{content:"✓";position:absolute;left:0;color:var(--blue);font-weight:800}

/* ========== FEATURE / VALUE CARDS ========== */
.feature-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:30px}
.feature-card{
  background:var(--white);border:1px solid var(--gray-border);
  border-radius:var(--radius-lg);padding:30px 26px;transition:all var(--transition);
}
.feature-card:hover{box-shadow:var(--shadow-md);border-color:var(--blue);transform:translateY(-3px)}
.feature-card .icon{
  width:54px;height:54px;border-radius:12px;background:var(--blue-tint);
  display:flex;align-items:center;justify-content:center;margin-bottom:18px;color:var(--blue);
}
.feature-card .icon svg{width:28px;height:28px}
.feature-card h3{font-size:1.2rem;margin-bottom:10px}
.feature-card p{font-size:.95rem;color:var(--text-muted);margin:0}

/* ========== STEPS ========== */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:30px;counter-reset:step}
.step{
  background:var(--white);border:1px solid var(--gray-border);
  border-radius:var(--radius-lg);padding:28px 22px;text-align:left;position:relative;
}
.step::before{
  counter-increment:step;content:counter(step,decimal-leading-zero);
  position:absolute;top:18px;right:20px;font-size:2.2rem;font-weight:900;
  color:var(--blue-tint);line-height:1;
}
.step h4{color:var(--navy);margin-bottom:8px;position:relative;z-index:1}
.step p{font-size:.92rem;color:var(--text-muted);margin:0}

/* ========== BLOG CARDS ========== */
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:30px}
.blog-card{
  background:var(--white);border:1px solid var(--gray-border);
  border-radius:var(--radius-lg);overflow:hidden;transition:all var(--transition);
  display:flex;flex-direction:column;
}
.blog-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md);border-color:var(--blue)}
.blog-card .thumb{aspect-ratio:16/10;overflow:hidden;background:var(--gray)}
.blog-card .thumb a{display:block;height:100%}
.blog-card .thumb img{width:100%;height:100%;object-fit:cover;transition:transform .4s ease}
.blog-card:hover .thumb img{transform:scale(1.05)}
.blog-card .meta{padding:20px 22px 22px;flex:1;display:flex;flex-direction:column}
.blog-card .cat{
  display:inline-block;font-size:.72rem;font-weight:700;letter-spacing:.08em;
  text-transform:uppercase;color:var(--blue);margin-bottom:8px;
}
.blog-card h3{font-size:1.12rem;margin-bottom:8px;line-height:1.35}
.blog-card h3 a{color:var(--navy)}
.blog-card h3 a:hover{color:var(--blue);text-decoration:none}
.blog-card .excerpt{font-size:.9rem;color:var(--text-muted);margin-bottom:14px;flex:1}
.blog-card .date{font-size:.82rem;color:var(--text-muted)}

/* ========== LOAN COMPARE TABLE / LIST ========== */
.compare-list{display:grid;gap:22px;margin-top:30px}
.compare-row{
  background:var(--white);border:1px solid var(--gray-border);
  border-radius:var(--radius-lg);padding:28px 26px;
}
.compare-row h3{color:var(--navy);margin-bottom:6px;font-size:1.3rem}
.compare-meta{display:flex;gap:24px;flex-wrap:wrap;margin-bottom:14px;color:var(--text-muted);font-size:.88rem}
.compare-meta span strong{color:var(--navy);margin-right:4px}
.compare-row .pros-cons{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:14px;padding-top:14px;border-top:1px solid var(--gray-border)}
.compare-row .pros h4,.compare-row .cons h4{font-size:.95rem;margin-bottom:8px}
.compare-row .pros h4{color:#1b7d3a}
.compare-row .cons h4{color:var(--red)}
.compare-row .pros ul,.compare-row .cons ul{list-style:none;padding:0;margin:0}
.compare-row .pros li,.compare-row .cons li{padding-left:20px;position:relative;font-size:.88rem;margin-bottom:6px}
.compare-row .pros li::before{content:"+";position:absolute;left:0;color:#1b7d3a;font-weight:800}
.compare-row .cons li::before{content:"–";position:absolute;left:0;color:var(--red);font-weight:800}

/* ========== REVIEWS ========== */
.review-summary{background:var(--white);border:1px solid var(--gray-border);border-radius:var(--radius-lg);padding:36px;margin-top:30px;text-align:center}
.review-summary .big-rating{font-size:3.5rem;font-weight:800;color:var(--navy);line-height:1}
.review-summary .stars-big{color:#f5a623;font-size:1.6rem;margin:8px 0;letter-spacing:2px}
.review-summary .totals{color:var(--text-muted);font-size:.95rem;margin-top:8px}
.review-summary .totals strong{color:var(--navy)}

.review-list{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;margin-top:30px}
.review-card{
  background:var(--white);border:1px solid var(--gray-border);
  border-radius:var(--radius-lg);padding:24px;
}
.review-card .stars{color:#f5a623;letter-spacing:1px;margin-bottom:10px;font-size:1rem}
.review-card .review-text{color:var(--text-dark);font-size:.95rem;margin-bottom:14px}
.review-card .reviewer{display:flex;justify-content:space-between;font-size:.85rem;color:var(--text-muted);border-top:1px solid var(--gray-border);padding-top:12px}
.review-card .reviewer strong{color:var(--navy)}

/* ========== INLINE PORTRAIT (vertical only for content body) ========== */
.inline-portrait{
  float:right;max-width:300px;margin:6px 0 16px 26px;
  border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-sm);
}
.inline-portrait img{aspect-ratio:3/4;object-fit:cover;width:100%}
.inline-portrait.left{float:left;margin:6px 26px 16px 0}

.content-section{padding:60px 0}
.content-section .container{max-width:920px}
.content-section h2{margin-top:34px}
.content-section h3{margin-top:24px}

/* ========== CTA BAND ========== */
.cta-band{
  background:linear-gradient(135deg,var(--red) 0%,var(--red-hover) 100%);
  color:var(--white);padding:60px 0;text-align:center;
}
.cta-band h2{color:var(--white);margin-bottom:12px}
.cta-band p{color:rgba(255,255,255,.95);font-size:1.1rem;max-width:680px;margin:0 auto 26px}
.cta-band .btn{background:var(--white);color:var(--red);font-weight:800;font-size:1.1rem;padding:16px 40px}
.cta-band .btn:hover{background:var(--navy);color:var(--white)}

/* ========== FAQ ========== */
.faq-list{max-width:880px;margin:30px auto 0}
.faq-item{
  background:var(--white);border:1px solid var(--gray-border);
  border-radius:var(--radius);margin-bottom:12px;overflow:hidden;
}
.faq-q{
  width:100%;text-align:left;background:var(--white);border:0;
  padding:18px 22px;font-size:1.02rem;font-weight:600;color:var(--navy);
  cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:16px;
  font-family:inherit;
}
.faq-q:hover{background:var(--blue-tint)}
.faq-q .toggle{flex:0 0 22px;height:22px;border-radius:50%;background:var(--blue);color:var(--white);
  display:flex;align-items:center;justify-content:center;font-size:1.1rem;transition:transform var(--transition)}
.faq-item.open .faq-q .toggle{transform:rotate(45deg)}
.faq-a{padding:0 22px;max-height:0;overflow:hidden;transition:max-height var(--transition),padding var(--transition);color:var(--text-dark)}
.faq-item.open .faq-a{padding:20px 22px;max-height:600px}
.faq-a p{margin-bottom:.8em}

/* ========== CALCULATOR ========== */
.calc-wrap{
  background:var(--white);border:1px solid var(--gray-border);
  border-radius:var(--radius-lg);padding:36px;box-shadow:var(--shadow-sm);
  max-width:900px;margin:30px auto 0;
  display:grid;grid-template-columns:1fr 1fr;gap:36px;
}
.calc-controls label{display:block;font-weight:600;color:var(--navy);margin-bottom:6px;font-size:.95rem}
.calc-controls .group{margin-bottom:22px}
.calc-controls input[type=range]{width:100%;accent-color:var(--blue)}
.calc-controls input[type=number],.calc-controls select{
  width:100%;padding:10px 12px;border:1px solid var(--gray-border);border-radius:6px;font-size:1rem;color:var(--navy);background:var(--white);
}
.calc-controls input[type=number]:focus,.calc-controls select:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px var(--blue-tint)}
.calc-results{background:var(--navy);color:var(--white);border-radius:var(--radius-lg);padding:30px;display:flex;flex-direction:column;justify-content:center}
.calc-results .res-row{margin-bottom:18px}
.calc-results .res-label{font-size:.88rem;color:rgba(255,255,255,.78);text-transform:uppercase;letter-spacing:.05em}
.calc-results .res-value{font-size:2rem;font-weight:800;color:var(--white)}
.calc-results .res-value.small{font-size:1.4rem}

/* ========== BLOG POST PAGE ========== */
.post-header{background:var(--gray);padding:48px 0}
.post-header .container{max-width:820px}
.post-header h1{margin-bottom:14px}
.post-meta{color:var(--text-muted);font-size:.9rem;display:flex;gap:18px;flex-wrap:wrap;align-items:center}
.post-meta .author-name{color:var(--navy);font-weight:600}
.post-hero-img{max-width:820px;margin:30px auto 0;border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-md)}
.post-body{max-width:820px;margin:0 auto;padding:50px 22px}
.post-body p,.post-body li{font-size:1.05rem;line-height:1.75}
.post-body h2{margin-top:38px}
.post-body h3{margin-top:28px}

.share-row{display:flex;gap:10px;align-items:center;margin:30px 0 20px;padding:20px 0;border-top:1px solid var(--gray-border);border-bottom:1px solid var(--gray-border)}
.share-row .lbl{font-weight:700;color:var(--navy);margin-right:8px}
.share-btn{
  width:40px;height:40px;border-radius:50%;background:var(--blue-tint);color:var(--blue);
  display:inline-flex;align-items:center;justify-content:center;transition:all var(--transition);
}
.share-btn:hover{background:var(--blue);color:var(--white);text-decoration:none;transform:translateY(-2px)}
.share-btn svg{width:18px;height:18px;fill:currentColor}

.related-row{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin:30px 0}

/* ========== FOOTER ========== */
.cta-footer-band{background:var(--blue-tint);padding:50px 0;text-align:center;border-top:1px solid var(--gray-border)}
.cta-footer-band h2{color:var(--navy)}
.cta-footer-band p{color:var(--navy-soft);max-width:640px;margin:0 auto 20px}

.site-footer{background:var(--navy-dark);color:rgba(255,255,255,.85);padding:54px 0 18px;font-size:.92rem}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:36px;margin-bottom:36px}
.site-footer h4{color:var(--white);font-size:1rem;margin-bottom:14px;letter-spacing:.02em}
.site-footer a{color:rgba(255,255,255,.85)}
.site-footer a:hover{color:var(--white);text-decoration:underline}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer ul li{margin-bottom:8px}
.footer-about p{color:rgba(255,255,255,.78);margin-bottom:14px;line-height:1.6}
.footer-contact{font-style:normal;line-height:1.7;color:rgba(255,255,255,.85)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.15);padding-top:18px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:.85rem;color:rgba(255,255,255,.7)}
.disclosure-box{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:8px;padding:18px;margin-top:30px;font-size:.82rem;color:rgba(255,255,255,.78);line-height:1.6}
.disclosure-box strong{color:var(--white)}

/* ========== SCROLL TO TOP ========== */
.scroll-top{
  position:fixed;bottom:24px;right:24px;width:48px;height:48px;
  background:var(--red);color:var(--white);border:0;border-radius:50%;
  display:flex;align-items:center;justify-content:center;cursor:pointer;
  box-shadow:var(--shadow-md);opacity:0;visibility:hidden;
  transition:all var(--transition);z-index:999;
}
.scroll-top.show{opacity:1;visibility:visible}
.scroll-top:hover{background:var(--red-hover);transform:translateY(-3px)}
.scroll-top svg{width:22px;height:22px;fill:currentColor}

/* ========== UTILITY ========== */
.text-center{text-align:center}
.mt-0{margin-top:0!important}.mb-0{margin-bottom:0!important}
.mt-4{margin-top:32px}.mb-4{margin-bottom:32px}

/* ========== RESPONSIVE ========== */
@media (max-width:980px){
  .hero-grid{grid-template-columns:1fr;gap:32px}
  .feature-grid,.amount-cards,.blog-grid,.review-list{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr)}
  .calc-wrap{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .related-row{grid-template-columns:1fr}
}
@media (max-width:760px){
  .nav-toggle{display:block}
  .nav-menu{
    position:absolute;top:100%;left:0;right:0;background:var(--white);
    flex-direction:column;align-items:stretch;padding:8px 0;gap:0;
    border-top:1px solid var(--gray-border);box-shadow:var(--shadow-md);
    display:none;
  }
  .nav-menu.open{display:flex}
  .nav-menu>li{width:100%}
  .nav-menu>li>a,.nav-menu>li>.drop-btn{padding:14px 22px;border-radius:0;width:100%;text-align:left}
  .dropdown-menu{
    position:static;opacity:1;visibility:visible;transform:none;
    box-shadow:none;border:0;background:var(--gray);border-radius:0;
    margin:0;padding:0;display:none;
  }
  .dropdown.open>.dropdown-menu{display:block}
  .drop-btn::after{float:right}
  .nav-spacer{display:none}
  .btn-apply-nav{margin:10px 22px;text-align:center}
  .hero{padding:52px 0 40px}
  section{padding:46px 0}
  .feature-grid,.amount-cards,.blog-grid,.review-list,.steps{grid-template-columns:1fr;gap:18px}
  .compare-row .pros-cons{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr;gap:28px}
  .inline-portrait{float:none;max-width:100%;margin:18px auto}
  .inline-portrait.left{float:none;margin:18px auto}
  .form-card{padding:24px}
}

/* ========== A11Y FOCUS ========== */
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{
  outline:3px solid var(--blue);outline-offset:2px;border-radius:4px;
}

/* prevent horizontal scroll on small screens */
img,svg{max-width:100%}

/* ======================================================
   Typography polish: prevent orphan words on headings
   Modern browsers honor text-wrap:balance for short text
   ====================================================== */
h1,h2,h3,h4,.hero h1,.lead{
  text-wrap:balance;
  -webkit-hyphens:auto;-moz-hyphens:auto;hyphens:auto;
}
p,li{
  text-wrap:pretty;
  orphans:3;widows:3;
}

/* ======================================================
   Inline CTA box inside blog posts and content sections
   ====================================================== */
.inline-cta{
  background:linear-gradient(135deg,var(--navy) 0%,var(--navy-soft) 100%);
  color:var(--white);
  padding:30px 32px;
  border-radius:var(--radius-lg);
  margin:40px 0;
  text-align:center;
  box-shadow:var(--shadow-md);
}
.inline-cta h3{
  color:var(--white);
  margin-top:0;margin-bottom:.6em;
  font-size:1.35rem;
}
.inline-cta p{
  color:rgba(255,255,255,.92);
  margin-bottom:1.2em;
  font-size:1.02rem;
  max-width:620px;
  margin-left:auto;margin-right:auto;
}
.inline-cta .btn-primary{
  background:var(--red);
  color:var(--white);
  font-weight:700;
  padding:14px 30px;
}
.inline-cta .btn-primary:hover{
  background:var(--red-hover);
}
@media (max-width:640px){
  .inline-cta{padding:22px 18px;margin:28px 0}
  .inline-cta h3{font-size:1.15rem}
  .inline-cta p{font-size:.96rem}
}