/* ============================================================
   primehardmoneylenders.com | style.css
   Theme: Forest Green + Slate — Premium Hard Money Lending
   Inspired by moneytreeinc.com — clean, trustworthy, professional
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Source+Serif+4:ital,wght@0,300;0,400;0,600;0,700;1,400&family=Inter:wght@400;500;600;700&display=swap');

:root {
  --green:        #1a6b3c;
  --green-dark:   #145430;
  --green-light:  #228b4e;
  --green-pale:   #edf7f0;
  --green-mid:    #2e7d52;
  --slate:        #2c3e50;
  --slate-mid:    #34495e;
  --slate-light:  #415a72;
  --amber:        #d4870a;
  --amber-light:  #f0a822;
  --white:        #ffffff;
  --off-white:    #f8faf9;
  --light-gray:   #e8eeec;
  --mid-gray:     #7f9080;
  --body-text:    #3d4f45;
  --border:       #d0ddd5;
  --shadow-sm:    0 2px 8px rgba(0,0,0,.07);
  --shadow:       0 6px 24px rgba(26,107,60,.12);
  --shadow-lg:    0 16px 56px rgba(26,107,60,.18);
  --radius:       6px;
  --radius-lg:    12px;
  --radius-xl:    20px;
  --font:         'Inter', sans-serif;
  --font-heading: 'Source Serif 4', serif;
  --transition:   .22s ease;
}

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font);
  font-size: 1rem;
  color: var(--body-text);
  background: var(--white);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}
a { color: var(--green); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--green-dark); text-decoration: underline; }
img { max-width: 100%; display: block; }

/* ── Utilities ── */
.container { max-width: 1180px; margin: 0 auto; padding: 0 1.5rem; }
.text-center { text-align: center; }

/* ── Buttons ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  padding: .8rem 2rem;
  background: var(--green);
  color: var(--white);
  font-family: var(--font);
  font-size: .9rem;
  font-weight: 600;
  letter-spacing: .02em;
  border: 2px solid var(--green);
  border-radius: 50px;
  cursor: pointer;
  transition: all var(--transition);
  text-decoration: none;
  white-space: nowrap;
  box-shadow: 0 4px 14px rgba(26,107,60,.3);
}
.btn:hover {
  background: var(--green-dark);
  border-color: var(--green-dark);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(26,107,60,.4);
  text-decoration: none;
}
.btn-lg { padding: .95rem 2.8rem; font-size: 1rem; }
.btn-outline { background: transparent; color: var(--white); border-color: rgba(255,255,255,.55); box-shadow: none; }
.btn-outline:hover { background: rgba(255,255,255,.12); color: var(--white); border-color: rgba(255,255,255,.9); }
.btn-amber { background: var(--amber); color: var(--white); border-color: var(--amber); box-shadow: 0 4px 14px rgba(212,135,10,.3); }
.btn-amber:hover { background: var(--amber-light); border-color: var(--amber-light); color: var(--white); }
.btn-white { background: var(--white); color: var(--green); border-color: var(--white); box-shadow: 0 4px 14px rgba(0,0,0,.15); }
.btn-white:hover { background: var(--green-pale); color: var(--green-dark); text-decoration: none; }
.btn-nav { padding: .55rem 1.3rem; font-size: .84rem; border-radius: 50px; }
.btn-sm { padding: .45rem 1.2rem; font-size: .82rem; }
.btn-submit {
  width: 100%;
  padding: .9rem;
  background: var(--green);
  color: var(--white);
  font-family: var(--font);
  font-size: .95rem;
  font-weight: 700;
  border: none;
  border-radius: 50px;
  cursor: pointer;
  transition: all var(--transition);
  box-shadow: 0 4px 16px rgba(26,107,60,.35);
}
.btn-submit:hover { background: var(--green-dark); transform: translateY(-1px); box-shadow: 0 8px 24px rgba(26,107,60,.45); }

/* ── Alert Bar ── */
.alert-bar { background: var(--green-dark); color: rgba(255,255,255,.72); font-size: .74rem; text-align: center; padding: .45rem 1rem; border-bottom: 1px solid rgba(255,255,255,.1); }
.alert-bar strong { color: var(--amber-light); }
.alert-bar--mobile { display: none; }

/* ── Header ── */
.site-header {
  background: var(--white);
  position: sticky;
  top: 0;
  z-index: 300;
  box-shadow: 0 1px 0 var(--border), 0 4px 20px rgba(0,0,0,.07);
  border-bottom: 3px solid var(--green);
}
.header-inner { display: flex; align-items: center; gap: 1.5rem; padding: .9rem 0; }
.logo { display: flex; align-items: center; gap: .75rem; text-decoration: none; }
.logo-mark {
  width: 44px; height: 44px;
  background: var(--green);
  border-radius: var(--radius-lg);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
  flex-shrink: 0;
  box-shadow: 0 4px 12px rgba(26,107,60,.35);
}
.logo-text { display: flex; flex-direction: column; line-height: 1.15; }
.logo-text span:first-child {
  font-family: var(--font-heading);
  font-size: 1.12rem;
  font-weight: 600;
  color: var(--slate);
  letter-spacing: -.01em;
}
.logo-text span:last-child {
  font-size: .6rem;
  color: var(--green);
  letter-spacing: .14em;
  text-transform: uppercase;
  font-weight: 600;
}
.site-nav { display: flex; gap: 1.8rem; margin-left: auto; }
.site-nav a {
  color: var(--slate-mid);
  font-size: .87rem;
  font-weight: 500;
  padding-bottom: 2px;
  border-bottom: 2px solid transparent;
  transition: color var(--transition), border-color var(--transition);
  text-decoration: none;
}
.site-nav a:hover, .site-nav a.active { color: var(--green); border-color: var(--green); text-decoration: none; }
.nav-toggle { display: none; flex-direction: column; justify-content: center; gap: 5px; background: none; border: none; cursor: pointer; padding: .3rem; margin-left: auto; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--slate); border-radius: 2px; transition: .3s; }
.nav-toggle.open span:nth-child(1) { transform: rotate(45deg) translate(5px,5px); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: rotate(-45deg) translate(5px,-5px); }

/* ── Topbar (moneytree-style info bar) ── */
.info-topbar {
  background: var(--off-white);
  border-bottom: 1px solid var(--border);
  padding: .4rem 0;
  font-size: .78rem;
  color: var(--mid-gray);
}
.info-topbar-inner {
  display: flex;
  justify-content: space-around;
  gap: 2rem;
  align-items: center;
}
.info-topbar-item { display: flex; align-items: center; gap: .35rem; }

/* ── Hero ── */
.hero {
  position: relative;
  overflow: hidden;
  background: var(--slate);
  min-height: 580px;
  display: flex;
  align-items: center;
}


.hero-bg-wrap {
  position: absolute;
  inset: 0;
  z-index: 0;
}
.hero-bg-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: .18;
}
.hero-bg-wrap::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(110deg, rgba(26,107,60,.96) 0%, rgba(44,62,80,.92) 55%, rgba(26,107,60,.75) 100%);
}
.hero-inner {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 3.5rem;
  align-items: center;
  padding: 4.5rem 0 4rem;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.25);
  color: rgba(255,255,255,.9);
  padding: .35rem 1rem;
  border-radius: 50px;
  font-size: .75rem;
  font-weight: 600;
  letter-spacing: .07em;
  text-transform: uppercase;
  margin-bottom: 1.3rem;
}
.hero-content{
  padding: 20px;
}

.hero-content h1 {
  font-family: var(--font-heading);
  font-size: clamp(2rem, 3.5vw, 3rem);
  color: var(--white);
  line-height: 1.18;
  margin-bottom: 1.1rem;
  font-weight: 600;
}
.hero-content h1 em { font-style: italic; color: var(--amber-light); }
.hero-content > p { color: rgba(255,255,255,.78); font-size: 1.02rem; line-height: 1.75; max-width: 500px; margin-bottom: 1.8rem; }
.hero-features { display: flex; flex-direction: column; gap: .65rem; margin-bottom: 2rem; }
.hero-feature { display: flex; align-items: center; gap: .75rem; color: rgba(255,255,255,.85); font-size: .9rem; }
.hero-feature-icon {
  width: 20px; height: 20px;
  background: var(--amber);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: .6rem;
  font-weight: 900;
  color: var(--white);
  flex-shrink: 0;
}
.hero-cta { display: flex; gap: 1rem; flex-wrap: wrap; }

/* ── Hero Form Card ── */
.hero-form-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  box-shadow: 0 20px 70px rgba(0,0,0,.3);
  overflow: hidden;
}
.hero-form-card-header {
  background: var(--green);
  padding: 1.4rem 1.8rem;
  border-bottom: 3px solid var(--green-dark);
}
.hero-form-card-header h3 { font-family: var(--font); font-size: 1rem; font-weight: 700; color: var(--white); margin-bottom: .15rem; }
.hero-form-card-header p { color: rgba(255,255,255,.7); font-size: .78rem; }
.hero-form-body {
  padding: 1.6rem 2.4rem 1.8rem 1.8rem;
}

/* ── Form ── */
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: .85rem; margin-bottom: .85rem; }
.form-row--three { grid-template-columns: 1fr .7fr .7fr; }
.form-group { display: flex; flex-direction: column; gap: .28rem; }
.form-group label { font-size: .73rem; font-weight: 600; color: var(--slate); text-transform: uppercase; letter-spacing: .06em; }
.form-group input, .form-group select {
  padding: .62rem .9rem;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-family: var(--font);
  font-size: .88rem;
  color: var(--slate);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
}
.form-group input:focus, .form-group select:focus { border-color: var(--green); box-shadow: 0 0 0 3px rgba(26,107,60,.1); }
.form-group input::placeholder { color: #b5c0b8; }
.g-recaptcha-wrapper { margin: .8rem 0; overflow: hidden; }
.form-disclaimer { font-size: .69rem; color: var(--mid-gray); margin-top: .75rem; line-height: 1.5; text-align: center; }
.form-disclaimer a { color: var(--green); }
.form-alert { padding: .8rem 1rem; border-radius: var(--radius); font-size: .88rem; margin-bottom: 1rem; }
.form-alert--success { background: #ecfdf5; border: 1px solid #6ee7b7; color: #065f46; }
.form-alert--error   { background: #fef2f2; border: 1px solid #fca5a5; color: #991b1b; }


.form-group {
  min-width: 0; /* 🔥 prevents flex overflow */
}

.form-group input,
.form-group select {
  width: 100%;
  box-sizing: border-box;
}

.form-row {
  display: flex;
  gap: 1.2rem;
}

.form-row .form-group {
  flex: 1;
}

.hero-form-body {
  padding: 1.6rem 2.4rem 1.8rem 1.8rem;
}
/* ── Stats Bar ── */
.stats-bar {
  background: var(--slate);
  padding: 1.8rem 0;
  border-top: 4px solid var(--green);
}
.stats-bar-inner { display: grid; grid-template-columns: repeat(4, 1fr); text-align: center; }
.stat-item { padding: .6rem 1rem; border-right: 1px solid rgba(255,255,255,.1); }
.stat-item:last-child { border-right: none; }
.stat-num { display: block; font-family: var(--font-heading); font-size: 1.9rem; color: var(--amber-light); line-height: 1; margin-bottom: .25rem; font-weight: 600; }
.stat-label { display: block; font-size: .74rem; color: rgba(255,255,255,.6); text-transform: uppercase; letter-spacing: .08em; font-weight: 500; }

/* ── Sections ── */
.section { padding: 5.5rem 0; }
.section--alt { background: var(--off-white); }
.section--dark { background: var(--slate); }
.section-eyebrow {
  display: inline-block;
  font-size: .7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .14em;
  color: var(--green);
  background: var(--green-pale);
  padding: .3rem .85rem;
  border-radius: 50px;
  margin-bottom: .9rem;
  border: 1px solid rgba(26,107,60,.15);
}
.section-title {
  font-family: var(--font-heading);
  font-size: clamp(1.6rem, 2.8vw, 2.3rem);
  color: var(--slate);
  line-height: 1.2;
  margin-bottom: .9rem;
  font-weight: 600;
}
.section--dark .section-title { color: var(--white); }
.section-sub { font-size: 1.02rem; color: var(--mid-gray); max-width: 580px; margin: 0 auto 2.8rem; }

/* ── Split Section ── */
.split-section { display: grid; grid-template-columns: 1fr 1fr; gap: 4.5rem; align-items: center; }
.split-section--reverse { }
.split-img {
  position: relative;
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  aspect-ratio: 4/3;
}
.split-img img { width: 100%; height: 100%; object-fit: cover; transition: transform .6s ease; }
.split-img:hover img { transform: scale(1.04); }
.split-img-badge {
  position: absolute;
  bottom: 1.2rem;
  left: 1.2rem;
  background: var(--green);
  color: var(--white);
  font-size: .75rem;
  font-weight: 700;
  padding: .4rem 1rem;
  border-radius: 50px;
  letter-spacing: .04em;
  box-shadow: 0 4px 12px rgba(0,0,0,.2);
}
.split-content {}
.split-desc { color: var(--mid-gray); line-height: 1.8; margin-bottom: 1.8rem; }

/* ── Steps List ── */
.steps-list { display: flex; flex-direction: column; gap: 1.4rem; }
.step-item { display: flex; gap: 1.1rem; align-items: flex-start; }
.step-num {
  width: 38px; height: 38px;
  background: var(--green);
  color: var(--white);
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 700;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  box-shadow: 0 4px 12px rgba(26,107,60,.3);
  margin-top: .15rem;
}
.step-body h3 { font-size: 1rem; font-weight: 700; color: var(--slate); margin-bottom: .3rem; }
.step-body p { font-size: .9rem; color: var(--mid-gray); line-height: 1.7; }

/* ── Image Banner ── */
.img-banner {
  position: relative;
  min-height: 300px;
  display: flex;
  align-items: center;
  background-size: cover;
  background-position: center;
  background-attachment: fixed;
}
.img-banner-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(26,107,60,.93) 0%, rgba(44,62,80,.88) 100%);
}
.img-banner-content {
  position: relative;
  z-index: 2;
  text-align: center;
  padding: 4rem 0;
}
.img-banner-content h2 {
  font-family: var(--font-heading);
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  color: var(--white);
  margin-bottom: .8rem;
  font-weight: 600;
}
.img-banner-content p { color: rgba(255,255,255,.75); margin-bottom: 2rem; font-size: 1rem; max-width: 520px; margin-left: auto; margin-right: auto; }

/* ── Features Grid ── */
.features-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; margin-top: 2rem; }
.feature-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 2.3rem 1.8rem;
  text-align: center;
  transition: all var(--transition);
  box-shadow: var(--shadow-sm);
  position: relative;
  overflow: hidden;
}
.feature-card::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--green), var(--green-light));
  opacity: 0;
  transition: opacity var(--transition);
}
.feature-card:hover { box-shadow: var(--shadow); transform: translateY(-4px); border-color: rgba(26,107,60,.2); }
.feature-card:hover::after { opacity: 1; }
.feature-icon {
  width: 68px; height: 68px;
  background: var(--green-pale);
  border-radius: var(--radius-lg);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.7rem;
  margin: 0 auto 1.3rem;
  border: 1px solid rgba(26,107,60,.12);
}
.feature-card h3 { font-size: 1.02rem; font-weight: 700; color: var(--slate); margin-bottom: .6rem; }
.feature-card p { font-size: .88rem; color: var(--mid-gray); line-height: 1.75; }

/* ── Loan Cards ── */
.loan-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; margin-top: 2rem; }
.loan-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition);
}
.loan-card:hover { box-shadow: var(--shadow); transform: translateY(-4px); }
.loan-card-img { aspect-ratio: 16/9; overflow: hidden; }
.loan-card-img img { width: 100%; height: 100%; object-fit: cover; transition: transform .5s ease; }
.loan-card:hover .loan-card-img img { transform: scale(1.06); }
.loan-card-body { padding: 1.5rem; }
.loan-tag {
  display: inline-block;
  font-size: .68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--green);
  background: var(--green-pale);
  padding: .22rem .7rem;
  border-radius: 50px;
  margin-bottom: .7rem;
  border: 1px solid rgba(26,107,60,.15);
}
.loan-card-body h3 { font-size: 1.08rem; font-weight: 700; color: var(--slate); margin-bottom: .55rem; }
.loan-card-body p { font-size: .87rem; color: var(--mid-gray); line-height: 1.7; margin-bottom: 1.1rem; }

/* ── Dark Split Stats ── */
.dark-stats { display: flex; gap: 2.5rem; margin-top: .5rem; }
.dark-stat {}
.dark-stat-num { display: block; font-family: var(--font-heading); font-size: 1.7rem; color: var(--amber-light); line-height: 1; margin-bottom: .2rem; font-weight: 600; }
.dark-stat-label { display: block; font-size: .72rem; color: rgba(255,255,255,.55); text-transform: uppercase; letter-spacing: .09em; font-weight: 500; }

/* ── Full-width Image Section ── */
.full-img-section {
  position: relative;
  overflow: hidden;
  border-radius: 0;
}
.full-img-section img {
  width: 100%;
  height: 420px;
  object-fit: cover;
  display: block;
  filter: brightness(.55) saturate(.9);
}
.full-img-section-content {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  flex-direction: column;
  gap: 1rem;
  padding: 2rem;
}
.full-img-section-content h2 {
  font-family: var(--font-heading);
  font-size: clamp(1.5rem, 3vw, 2.5rem);
  color: var(--white);
  font-weight: 600;
}
.full-img-section-content p { color: rgba(255,255,255,.8); font-size: 1rem; max-width: 480px; }

/* ── Trust Strip ── */
.trust-strip {
  background: var(--green-pale);
  border-top: 1px solid rgba(26,107,60,.12);
  border-bottom: 1px solid rgba(26,107,60,.12);
  padding: 1.8rem 0;
}
.trust-strip-inner {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 3rem;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: .6rem;
  font-size: .84rem;
  font-weight: 600;
  color: var(--green-dark);
}
.trust-item-icon { font-size: 1.3rem; }

/* ── CTA ── */
.cta-section {
  background: linear-gradient(135deg, var(--green-dark) 0%, var(--green-mid) 50%, var(--slate) 100%);
  padding: 5rem 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='80' height='80'%3E%3Ccircle cx='40' cy='40' r='28' fill='none' stroke='rgba(255,255,255,0.05)' stroke-width='1'/%3E%3C/svg%3E") repeat;
}
.cta-section > .container { position: relative; }
.cta-section h2 { font-family: var(--font-heading); font-size: clamp(1.7rem, 3vw, 2.4rem); color: var(--white); margin-bottom: .9rem; font-weight: 600; }
.cta-section p { color: rgba(255,255,255,.72); font-size: 1rem; max-width: 520px; margin: 0 auto 2rem; }

/* ── Page Hero ── */
.page-hero {
  background: var(--green);
  padding: 4rem 0 3rem;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, var(--green-dark) 0%, var(--green) 60%, var(--green-light) 100%);
}
.page-hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='60' height='60'%3E%3Ccircle cx='30' cy='30' r='20' fill='none' stroke='rgba(255,255,255,0.06)' stroke-width='1'/%3E%3C/svg%3E") repeat;
}
.page-hero .container { position: relative; z-index: 1; text-align: center; }
.page-hero h1 { font-family: var(--font-heading); font-size: clamp(1.9rem, 3.5vw, 2.6rem); color: var(--white); margin-bottom: .7rem; font-weight: 600; }
.page-hero p { color: rgba(255,255,255,.78); font-size: 1rem; max-width: 540px; margin: 0 auto; }
.page-hero-breadcrumb {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: .5rem;
  font-size: .75rem;
  color: rgba(255,255,255,.6);
  margin-bottom: 1rem;
  position: relative;
  z-index: 1;
}
.page-hero-breadcrumb a { color: rgba(255,255,255,.75); }
.page-hero-breadcrumb a:hover { color: var(--white); }

/* ── Content Pages ── */
.content-wrap { max-width: 800px; margin: 0 auto; }
.content-wrap h2 { font-family: var(--font-heading); font-size: 1.4rem; font-weight: 600; color: var(--slate); margin: 2.5rem 0 .8rem; padding-left: .9rem; border-left: 3px solid var(--green); }
.content-wrap h2:first-child { margin-top: 0; }
.content-wrap p { color: var(--body-text); margin-bottom: 1rem; line-height: 1.8; }
.content-wrap ul, .content-wrap ol { margin: 0 0 1.2rem 1.5rem; color: var(--body-text); line-height: 1.85; }
.content-wrap li { margin-bottom: .4rem; }

/* ── Check List ── */
.check-list { list-style: none; margin-left: 0; }
.check-list li { padding: .35rem 0 .35rem 1.8rem; position: relative; font-size: .92rem; color: var(--body-text); }
.check-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--green);
  font-weight: 700;
  font-size: .85rem;
}

/* ── Info Grid (definitions etc) ── */
.info-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.5rem; margin-top: 1.5rem; }
.info-card {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  border-left: 3px solid var(--green);
}
.info-card h3 { font-size: .95rem; font-weight: 700; color: var(--slate); margin-bottom: .5rem; }
.info-card p { font-size: .88rem; color: var(--mid-gray); line-height: 1.7; margin: 0; }

/* ── FAQ List ── */
.faq-list { max-width: 820px; margin: 0 auto; display: flex; flex-direction: column; gap: .5rem; }
.faq-item {
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: border-color var(--transition), box-shadow var(--transition);
}
.faq-item.open { border-color: var(--green); box-shadow: 0 4px 20px rgba(26,107,60,.1); }
.faq-btn {
  width: 100%; display: flex; justify-content: space-between; align-items: center; gap: 1rem;
  padding: 1.2rem 1.4rem; background: none; border: none;
  font-family: var(--font); font-size: .93rem; font-weight: 600; color: var(--slate);
  cursor: pointer; text-align: left; transition: background var(--transition);
}
.faq-btn:hover { background: var(--off-white); }
.faq-icon {
  width: 24px; height: 24px;
  background: var(--green-pale);
  border: 1.5px solid rgba(26,107,60,.2);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem; color: var(--green); flex-shrink: 0;
  transition: transform var(--transition), background var(--transition);
}
.faq-item.open .faq-icon { transform: rotate(45deg); background: var(--green); color: var(--white); border-color: var(--green); }
.faq-answer { display: none; padding: 0 1.4rem 1.4rem; font-size: .91rem; color: var(--mid-gray); line-height: 1.8; border-top: 1px solid var(--border); padding-top: 1rem; }
.faq-item.open .faq-answer { display: block; }

/* ── Inline Apply Section ── */
.inline-apply {
  background: linear-gradient(135deg, var(--slate) 0%, var(--green-dark) 60%, var(--slate-mid) 100%);
  padding: 5rem 0;
}
.inline-apply-inner {
  max-width: 740px;
  margin: 0 auto;
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--radius-xl);
  padding: 3rem;
}
.inline-apply h2 { font-family: var(--font-heading); font-size: 1.6rem; font-weight: 600; color: var(--white); margin-bottom: .5rem; text-align: center; }
.inline-apply p.sub { text-align: center; color: rgba(255,255,255,.65); margin-bottom: 2rem; }
.inline-apply .form-group label { color: rgba(255,255,255,.8); }
.inline-apply .form-group input, .inline-apply .form-group select { background: rgba(255,255,255,.09); border-color: rgba(255,255,255,.2); color: var(--white); }
.inline-apply .form-group input:focus, .inline-apply .form-group select:focus { border-color: var(--amber); box-shadow: 0 0 0 3px rgba(212,135,10,.2); }
.inline-apply .form-group input::placeholder { color: rgba(255,255,255,.35); }
.inline-apply .form-group select option { background: var(--slate); color: var(--white); }
.inline-apply .form-disclaimer { color: rgba(255,255,255,.4); }
.inline-apply .form-disclaimer a { color: var(--amber-light); }
.inline-apply .btn-submit { background: var(--amber); box-shadow: 0 4px 16px rgba(212,135,10,.4); }
.inline-apply .btn-submit:hover { background: var(--amber-light); box-shadow: 0 8px 24px rgba(212,135,10,.5); }

/* ── Footer ── */
.site-footer {
  background: var(--slate);
  padding: 4rem 0 2rem;
  border-top: 4px solid var(--green);
}
.footer-top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 2rem;
  padding-bottom: 2.5rem;
  border-bottom: 1px solid rgba(255,255,255,.08);
  margin-bottom: 2rem;
  flex-wrap: wrap;
}
.footer-brand { display: flex; align-items: center; gap: .75rem; }
.footer-nav { display: flex; flex-wrap: wrap; gap: .6rem 1.5rem; max-width: 640px; }
.footer-nav a { color: rgba(255,255,255,.5); font-size: .81rem; font-weight: 500; transition: color var(--transition); text-decoration: none; }
.footer-nav a:hover { color: var(--amber-light); }
.disclosure { background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.07); border-radius: var(--radius-lg); padding: 1.8rem; margin-bottom: 2rem; }
.disclosure p { font-size: .71rem; color: rgba(255,255,255,.36); line-height: 1.75; margin-bottom: .65rem; }
.disclosure p:last-child { margin-bottom: 0; }
.disclosure strong { color: rgba(255,255,255,.48); }
.footer-copy { text-align: center; font-size: .76rem; color: rgba(255,255,255,.28); padding-top: 1.5rem; border-top: 1px solid rgba(255,255,255,.06); }

/* ── Responsive ── */
@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; gap: 2.5rem; }
  .hero-form-card { max-width: 540px; width: 100%; }
  .split-section { grid-template-columns: 1fr; gap: 2.5rem; }
  .features-grid { grid-template-columns: repeat(2, 1fr); }
  .loan-cards { grid-template-columns: repeat(2, 1fr); }
  .info-grid { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  .nav-toggle { display: flex; }
  .site-nav {
    display: none;
    position: absolute; top: 100%; left: 0; right: 0;
    background: var(--white);
    flex-direction: column; gap: 0;
    border-top: 1px solid var(--border);
    border-bottom: 2px solid var(--green);
    box-shadow: 0 8px 20px rgba(0,0,0,.1);
  }
  .site-nav.open { display: flex; }
  .site-nav a { padding: .9rem 1.5rem; color: var(--slate); border-bottom: 1px solid var(--border); border-bottom-width: 1px; }
  .site-nav a.active, .site-nav a:hover { color: var(--green); border-bottom-color: var(--border); }
  .header-inner { position: relative; }
  .btn-nav { display: none; }
  .stats-bar-inner { grid-template-columns: repeat(2, 1fr); }
  .features-grid { grid-template-columns: 1fr; }
  .loan-cards { grid-template-columns: 1fr; }
  .dark-stats { flex-direction: column; gap: 1rem; }
  .trust-strip-inner { gap: 1.5rem; }
  .form-row { grid-template-columns: 1fr; }
  .form-row--three { grid-template-columns: 1fr 1fr; }
  .footer-top { flex-direction: column; }
  .inline-apply-inner { padding: 2rem 1.5rem; }
  .info-topbar { display: none; }
}
@media (max-width: 480px) {
  .hero-cta { flex-direction: column; }
  .hero-form-card { border-radius: var(--radius-lg); }
  .form-row--three { grid-template-columns: 1fr; }
  .loan-cards { grid-template-columns: 1fr; }
}

/* Section */
.section--alt {
  background: #f5f7fb;
  padding: 4rem 0;
}

/* Headings */
.section-eyebrow {
  display: inline-block;
  background: #e3ecff;
  color: #2f5cff;
  padding: 0.3rem 0.8rem;
  border-radius: 20px;
  font-size: 0.75rem;
  font-weight: 600;
  margin-bottom: 1rem;
}

.section-title {
  font-size: 2.2rem;
  margin-bottom: 0.5rem;
  color: #1a2a3a;
}

.section-sub {
  color: #6b7280;
  margin-bottom: 2.5rem;
}

/* Grid */
.compare-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 2rem;
}

/* Cards */
.compare-card {
  background: #fff;
  padding: 2rem;
  border-radius: 12px;
  box-shadow: 0 10px 25px rgba(0,0,0,0.05);
  text-align: left;
  transition: 0.3s ease;
}

.compare-card:hover {
  transform: translateY(-5px);
}

/* Headers */
.compare-header {
  font-size: 1.2rem;
  font-weight: 700;
  margin-bottom: 1.5rem;
}

/* Lists */
.compare-list {
  list-style: none;
  padding: 0;
  margin: 0;
}

.compare-list li {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  margin-bottom: 0.8rem;
  font-size: 0.95rem;
}

/* Icons style */
.compare-card--us li {
  color: #16a34a;
}

.compare-card--us li::before {
  content: "✔";
  color: #16a34a;
  font-weight: bold;
}

.compare-card--them li {
  color: #dc2626;
}

.compare-card--them li::before {
  content: "✖";
  color: #dc2626;
  font-weight: bold;
}

/* Remove manual symbols from HTML */
.compare-list li {
  list-style: none;
}

/* Responsive */
@media (max-width: 768px) {
  .compare-grid {
    grid-template-columns: 1fr;
  }
}