/* ============================================================
   DEFERIT REVIEW SITE — Cloud Mint Theme
   Primary: Deep Green #1E7A5A | Accent: #00C896 | CTA: #FF6B35
   Bg: Mint White #F5FDFB | Fonts: Plus Jakarta Sans | Inter
   deferitappusa.com
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@400;500;600;700;800&family=Inter:wght@400;500;600&display=swap');

/* ── CLOUD MINT THEME — deferitappusa.com ──
   Primary  #1E7A5A  Deep Forest Green
   Accent   #00C896  Emerald Mint
   Teal     #00A87E  CTA Teal
   CTA      #FF6B35  Coral (complementary)
   Bg       #F5FDFB  Mint White
── */
:root {
  --navy:         #1E7A5A;
  --navy-2:       #2E9970;
  --emerald:      #00C896;
  --emerald-dark: #00A87E;
  --orange:       #FF6B35;
  --orange-dark:  #E55B25;
  --bg:           #F5FDFB;
  --white:        #FFFFFF;
  --text:         #0D3D28;
  --muted:        #2D6B52;
  --border:       #C5E8DC;
  --card-bg:      #FFFFFF;
  --section-alt:  #EAF8F3;
  --card-shadow:      0 2px 16px rgba(30,122,90,0.07);
  --card-shadow-hover: 0 8px 32px rgba(30,122,90,0.14);
  --radius:    12px;
  --radius-sm: 8px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', sans-serif;
  background: var(--bg);
  color: var(--text);
  font-size: 16px;
  line-height: 1.65;
}
h1,h2,h3,h4,h5 { font-family: 'Plus Jakarta Sans', sans-serif; color: var(--navy); line-height: 1.25; }
h1 { font-size: clamp(2rem, 4vw, 2.8rem); font-weight: 800; }
h2 { font-size: clamp(1.5rem, 3vw, 2rem); font-weight: 700; }
h3 { font-size: 1.25rem; font-weight: 700; }
h4 { font-size: 1rem; font-weight: 600; }
p  { color: var(--text); }
a  { color: var(--emerald-dark); text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; display: block; }
ul { list-style: none; }
.container { max-width: 1100px; margin: 0 auto; padding: 0 20px; }

/* ── TOPBAR ── */
.topbar {
  background: var(--navy);
  color: rgba(255,255,255,0.7);
  font-size: 0.8rem;
  text-align: center;
  padding: 6px 20px;
  letter-spacing: 0.02em;
}
.topbar span { color: var(--emerald); font-weight: 600; }

/* ── NAV ── */
.site-nav {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  box-shadow: 0 1px 8px rgba(0,0,0,0.06);
}
.nav-inner {
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 20px; max-width: 1100px; margin: 0 auto;
}
.nav-logo {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 800; font-size: 1.2rem; color: var(--navy);
  display: flex; align-items: center; gap: 8px;
}
.nav-logo .logo-icon {
  width: 32px; height: 32px; background: var(--emerald);
  border-radius: 8px; display: flex; align-items: center; justify-content: center;
  color: white; font-size: 1rem; overflow: hidden;
}
.nav-logo .logo-icon svg { width: 100%; height: 100%; display: block; }
.nav-links { display: flex; gap: 4px; align-items: center; }
.nav-links a {
  color: var(--text); font-size: 0.9rem; font-weight: 500;
  padding: 6px 12px; border-radius: 6px; transition: all 0.2s;
}
.nav-links a:hover { background: #EAF8F3; color: var(--navy); text-decoration: none; }
.nav-links a.active { color: var(--emerald-dark); font-weight: 600; }
.btn-nav {
  background: var(--emerald); color: white !important;
  padding: 8px 16px !important; border-radius: 8px !important;
  font-weight: 600 !important; font-size: 0.85rem !important;
  transition: background 0.2s !important;
}
.btn-nav:hover { background: var(--emerald-dark) !important; }
.nav-toggle { display: none; cursor: pointer; background: none; border: none; padding: 4px; }
.nav-toggle span { display: block; width: 22px; height: 2px; background: var(--navy); margin: 5px 0; border-radius: 2px; transition: 0.3s; }

/* ── BUTTONS ── */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 12px 24px; border-radius: 10px;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 700; font-size: 0.95rem;
  cursor: pointer; border: none; transition: all 0.2s; text-decoration: none;
}
.btn-primary { background: var(--orange); color: white; }
.btn-primary:hover { background: var(--orange-dark); transform: translateY(-1px); text-decoration: none; color: white; }
.btn-secondary { background: var(--white); color: var(--navy); border: 2px solid var(--border); }
.btn-secondary:hover { border-color: var(--navy); text-decoration: none; }
.btn-emerald { background: var(--emerald); color: white; }
.btn-emerald:hover { background: var(--emerald-dark); text-decoration: none; color: white; }
.btn-lg { padding: 16px 32px; font-size: 1.05rem; }

/* ── HERO ── */
.hero {
  background: linear-gradient(135deg, #1E7A5A 0%, #2E9970 55%, #1E7A5A 100%);
  color: white; padding: 80px 20px 60px; position: relative; overflow: hidden;
}
.hero::before {
  content: ''; position: absolute; top: -100px; right: -100px;
  width: 500px; height: 500px; border-radius: 50%;
  background: radial-gradient(circle, rgba(0,200,150,0.18) 0%, transparent 70%);
  pointer-events: none;
}
.hero-inner { max-width: 1100px; margin: 0 auto; display: grid; grid-template-columns: 1fr 420px; gap: 60px; align-items: center; }
.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(0,200,150,0.15); border: 1px solid rgba(0,200,150,0.3);
  color: var(--emerald); font-size: 0.82rem; font-weight: 600;
  padding: 5px 12px; border-radius: 20px; margin-bottom: 16px;
  font-family: 'Plus Jakarta Sans', sans-serif; letter-spacing: 0.04em; text-transform: uppercase;
}
.hero h1 { color: white; margin-bottom: 16px; }
.hero h1 em { color: var(--emerald); font-style: normal; }
.hero p { color: rgba(255,255,255,0.75); font-size: 1.1rem; margin-bottom: 32px; max-width: 520px; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 40px; }
.hero-stats { display: flex; gap: 32px; }
.stat-item { text-align: left; }
.stat-num { font-family: 'Plus Jakarta Sans', sans-serif; font-size: 1.5rem; font-weight: 800; color: var(--emerald); }
.stat-label { font-size: 0.78rem; color: rgba(255,255,255,0.6); margin-top: 2px; }

/* Hero Card */
.hero-card {
  background: var(--white); border-radius: 20px;
  padding: 28px; box-shadow: 0 20px 60px rgba(0,0,0,0.3);
  position: relative;
}
.hero-card-header { display: flex; align-items: center; gap: 12px; margin-bottom: 20px; }
.hero-card-logo { width: 44px; height: 44px; background: var(--emerald); border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 1.4rem; overflow: hidden; }
.hero-card-logo svg { width: 100%; height: 100%; display: block; }
.hero-card-title { font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 700; font-size: 1.1rem; color: var(--navy); }
.hero-card-sub { font-size: 0.8rem; color: var(--muted); }
.rating-row { display: flex; align-items: center; gap: 6px; margin-bottom: 20px; }
.stars { color: #F59E0B; font-size: 1.1rem; letter-spacing: 1px; }
.rating-text { font-weight: 700; font-size: 1rem; color: var(--navy); }
.rating-count { font-size: 0.82rem; color: var(--muted); }
.score-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 20px; }
.score-item { background: #EAF8F3; border-radius: 10px; padding: 12px; }
.score-label { font-size: 0.75rem; color: var(--muted); margin-bottom: 4px; }
.score-bar-wrap { background: var(--border); border-radius: 4px; height: 6px; overflow: hidden; margin-bottom: 4px; }
.score-bar { height: 100%; border-radius: 4px; background: var(--emerald); }
.score-val { font-size: 0.8rem; font-weight: 600; color: var(--navy); }
.verdict-badge {
  background: linear-gradient(135deg, #00C896, #00A87E);
  color: white; border-radius: 10px; padding: 12px 16px;
  display: flex; align-items: center; gap: 10px;
  font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 700; font-size: 0.9rem;
}

/* ── SECTION LAYOUT ── */
.section { padding: 72px 20px; }
.section-sm { padding: 48px 20px; }
.section-white { background: var(--white); }
.section-navy { background: #1E7A5A; color: white; }
.section-navy h2, .section-navy h3 { color: white; }
.section-header { text-align: center; margin-bottom: 48px; }
.section-header p { color: var(--muted); font-size: 1.05rem; max-width: 600px; margin: 12px auto 0; }
.eyebrow {
  display: inline-block; font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 0.78rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase;
  color: var(--emerald-dark); margin-bottom: 8px;
}

/* ── CARDS ── */
.card {
  background: var(--white); border-radius: var(--radius);
  border: 1px solid var(--border); padding: 28px;
  box-shadow: var(--card-shadow); transition: box-shadow 0.2s, transform 0.2s;
}
.card:hover { box-shadow: var(--card-shadow-hover); transform: translateY(-2px); }
.card-icon { width: 48px; height: 48px; border-radius: 12px; display: flex; align-items: center; justify-content: center; font-size: 1.4rem; margin-bottom: 16px; }
.card-icon-emerald { background: rgba(0,200,150,0.12); }
.card-icon-navy { background: rgba(30,122,90,0.10); }
.card-icon-orange { background: rgba(255,107,53,0.1); }

/* ── GRID LAYOUTS ── */
.grid-2 { display: grid; grid-template-columns: repeat(2,1fr); gap: 24px; }
.grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4,1fr); gap: 20px; }
.grid-2-1 { display: grid; grid-template-columns: 2fr 1fr; gap: 32px; }
.grid-1-2 { display: grid; grid-template-columns: 1fr 2fr; gap: 32px; }

/* ── REVIEW BOX ── */
.review-box {
  background: var(--white); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 32px;
  box-shadow: var(--card-shadow);
}
.review-score-big {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 4rem; font-weight: 800; color: var(--navy); line-height: 1;
}
.review-score-big span { font-size: 1.5rem; color: var(--muted); font-weight: 400; }

/* ── PROS/CONS ── */
.pros-cons-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.pros-box { background: #F0FDF4; border: 1px solid #BBF7D0; border-radius: var(--radius); padding: 24px; }
.cons-box { background: #FFF7ED; border: 1px solid #FED7AA; border-radius: var(--radius); padding: 24px; }
.pros-box h3 { color: #166534; margin-bottom: 16px; }
.cons-box h3 { color: #9A3412; margin-bottom: 16px; }
.check-list li { display: flex; align-items: flex-start; gap: 10px; margin-bottom: 10px; font-size: 0.95rem; }
.check-list li::before { content: '✓'; color: #16A34A; font-weight: 700; flex-shrink: 0; margin-top: 1px; }
.x-list li { display: flex; align-items: flex-start; gap: 10px; margin-bottom: 10px; font-size: 0.95rem; }
.x-list li::before { content: '✗'; color: #EA580C; font-weight: 700; flex-shrink: 0; margin-top: 1px; }

/* ── TABLE ── */
.table-wrap { overflow-x: auto; border-radius: var(--radius); border: 1px solid var(--border); }
table { width: 100%; border-collapse: collapse; font-size: 0.92rem; background: var(--white); }
thead { background: var(--navy); color: white; }
thead th { padding: 14px 16px; text-align: left; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 0.85rem; font-weight: 600; }
tbody tr { border-bottom: 1px solid var(--border); transition: background 0.15s; }
tbody tr:last-child { border-bottom: none; }
tbody tr:hover { background: var(--bg); }
tbody td { padding: 13px 16px; }
tbody td:first-child { font-weight: 600; color: var(--navy); }
.tag-yes { color: #16A34A; font-weight: 600; }
.tag-no  { color: #DC2626; font-weight: 600; }
.tag-partial { color: #D97706; font-weight: 600; }

/* ── STEPS ── */
.steps { display: flex; flex-direction: column; gap: 0; }
.step { display: flex; gap: 20px; position: relative; padding-bottom: 32px; }
.step:last-child { padding-bottom: 0; }
.step-num {
  width: 40px; height: 40px; border-radius: 50%;
  background: var(--emerald); color: white;
  font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 800; font-size: 1rem;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
  position: relative; z-index: 1;
}
.step::before {
  content: ''; position: absolute; left: 19px; top: 40px;
  width: 2px; height: calc(100% - 40px);
  background: linear-gradient(to bottom, var(--emerald), var(--border));
}
.step:last-child::before { display: none; }
.step-content { padding-top: 8px; }
.step-content h3 { margin-bottom: 6px; }

/* ── TESTIMONIALS ── */
.testimonial {
  background: var(--white); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 24px;
  box-shadow: var(--card-shadow);
}
.testimonial-stars { color: #F59E0B; font-size: 0.9rem; margin-bottom: 10px; }
.testimonial-text { font-size: 0.93rem; color: var(--text); margin-bottom: 16px; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 10px; }
.testimonial-avatar {
  width: 36px; height: 36px; border-radius: 50%;
  background: linear-gradient(135deg, var(--emerald), var(--navy));
  color: white; font-weight: 700; font-size: 0.85rem;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Plus Jakarta Sans', sans-serif;
}
.testimonial-name { font-weight: 600; font-size: 0.88rem; color: var(--navy); }
.testimonial-source { font-size: 0.78rem; color: var(--muted); }

/* ── FAQ ── */
.faq-item { border: 1px solid var(--border); border-radius: var(--radius-sm); margin-bottom: 8px; background: var(--white); overflow: hidden; }
.faq-q {
  padding: 18px 20px; font-weight: 600; cursor: pointer;
  display: flex; justify-content: space-between; align-items: center;
  font-family: 'Plus Jakarta Sans', sans-serif; font-size: 0.95rem; color: var(--navy);
  transition: background 0.2s; user-select: none;
}
.faq-q:hover { background: var(--bg); }
.faq-q .faq-icon { font-size: 1.2rem; transition: transform 0.3s; color: var(--emerald); flex-shrink: 0; }
.faq-a { padding: 0 20px; max-height: 0; overflow: hidden; transition: max-height 0.35s ease, padding 0.2s; }
.faq-a.open { max-height: 300px; padding: 0 20px 16px; }
.faq-a p { font-size: 0.93rem; color: var(--muted); line-height: 1.7; }
.faq-q.open .faq-icon { transform: rotate(45deg); }

/* ── CTA BANNER ── */
.cta-banner {
  border-radius: 20px; padding: 56px 48px; text-align: center; color: white;
  position: relative; overflow: hidden;
}
.cta-banner:not([style*="background-image"]) {
  background: linear-gradient(135deg, #00A87E 0%, #1E7A5A 100%);
}
.cta-banner::before {
  content: ''; position: absolute; top: -60px; right: -60px;
  width: 200px; height: 200px; border-radius: 50%;
  background: rgba(255,255,255,0.1);
}
.cta-banner h2 { color: white; margin-bottom: 12px; }
.cta-banner p { color: rgba(255,255,255,0.85); max-width: 480px; margin: 0 auto 28px; }
.btn-white { background: white; color: var(--navy); }
.btn-white:hover { background: var(--bg); text-decoration: none; color: var(--navy); }

/* ── LOAN FORM EMBED ── */
.embed-box {
  background: var(--white); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 32px;
  box-shadow: var(--card-shadow);
}
.embed-box h3 { margin-bottom: 8px; }
.embed-box p { color: var(--muted); font-size: 0.9rem; margin-bottom: 20px; }
.embed-placeholder {
  background: var(--bg); border: 2px dashed var(--border);
  border-radius: var(--radius-sm); padding: 32px; text-align: center;
  color: var(--muted); font-size: 0.85rem; min-height: 200px;
  display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 8px;
}
.embed-placeholder strong { color: var(--navy); font-size: 0.95rem; }

/* ── CALCULATOR ── */
.calc-box {
  background: var(--white); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 36px;
  box-shadow: var(--card-shadow-hover);
}
.calc-input-group { margin-bottom: 20px; }
.calc-input-group label { display: block; font-weight: 600; font-size: 0.88rem; color: var(--navy); margin-bottom: 8px; font-family: 'Plus Jakarta Sans', sans-serif; }
.calc-input {
  width: 100%; padding: 12px 16px; border: 1.5px solid var(--border);
  border-radius: var(--radius-sm); font-size: 1rem; font-family: 'Inter', sans-serif;
  color: var(--text); transition: border-color 0.2s; outline: none;
  background: var(--bg);
}
.calc-input:focus { border-color: var(--emerald); background: white; }
.calc-select {
  width: 100%; padding: 12px 16px; border: 1.5px solid var(--border);
  border-radius: var(--radius-sm); font-size: 1rem; font-family: 'Inter', sans-serif;
  color: var(--text); background: var(--bg); cursor: pointer; outline: none;
}
.calc-select:focus { border-color: var(--emerald); }
.calc-result {
  background: linear-gradient(135deg, #1E7A5A 0%, #2E9970 100%);
  border-radius: var(--radius); padding: 28px; color: white; margin-top: 24px;
}
.calc-result h3 { color: white; margin-bottom: 20px; font-size: 1rem; }
.result-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.result-item { background: rgba(255,255,255,0.08); border-radius: 10px; padding: 16px; }
.result-label { font-size: 0.75rem; color: rgba(255,255,255,0.6); margin-bottom: 4px; text-transform: uppercase; letter-spacing: 0.05em; }
.result-value { font-family: 'Plus Jakarta Sans', sans-serif; font-size: 1.5rem; font-weight: 800; color: var(--emerald); }
.result-note { font-size: 0.78rem; color: rgba(255,255,255,0.5); margin-top: 4px; }
.calc-btn {
  width: 100%; padding: 14px; background: var(--orange);
  border: none; border-radius: var(--radius-sm); color: white;
  font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 700; font-size: 1rem;
  cursor: pointer; transition: background 0.2s; margin-top: 8px;
}
.calc-btn:hover { background: var(--orange-dark); }
.timeline-bar { background: rgba(255,255,255,0.12); border-radius: 8px; overflow: hidden; margin-top: 20px; }
.timeline-row { display: flex; }
.timeline-cell {
  flex: 1; padding: 10px 8px; text-align: center;
  border-right: 1px solid rgba(255,255,255,0.1);
  font-size: 0.78rem;
}
.timeline-cell:last-child { border-right: none; }
.timeline-cell .t-num { font-weight: 700; color: var(--emerald); font-size: 0.92rem; }
.timeline-cell .t-label { color: rgba(255,255,255,0.5); font-size: 0.7rem; margin-top: 2px; }

/* ── BREADCRUMB ── */
.breadcrumb { padding: 14px 20px; border-bottom: 1px solid var(--border); background: var(--white); }
.breadcrumb-inner { max-width: 1100px; margin: 0 auto; display: flex; gap: 8px; align-items: center; font-size: 0.82rem; }
.breadcrumb-inner a { color: var(--muted); }
.breadcrumb-inner span { color: var(--muted); }
.breadcrumb-inner .current { color: var(--navy); font-weight: 600; }

/* ── SIDEBAR WIDGET ── */
.sidebar { display: flex; flex-direction: column; gap: 20px; }
.widget { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 24px; box-shadow: var(--card-shadow); }
.widget h4 { margin-bottom: 14px; font-size: 0.95rem; padding-bottom: 10px; border-bottom: 1px solid var(--border); }
.widget-list li { padding: 8px 0; border-bottom: 1px solid var(--border); font-size: 0.88rem; }
.widget-list li:last-child { border-bottom: none; padding-bottom: 0; }
.widget-list a { color: var(--text); }
.widget-list a:hover { color: var(--emerald-dark); }
.score-big-widget { text-align: center; }
.score-big-widget .score-num { font-size: 3.5rem; font-weight: 800; color: var(--navy); font-family: 'Plus Jakarta Sans', sans-serif; line-height: 1; }
.score-big-widget .score-denom { font-size: 1.2rem; color: var(--muted); }
.score-big-widget .score-stars { color: #F59E0B; font-size: 1.3rem; margin: 8px 0; }
.score-big-widget .score-label { font-size: 0.8rem; color: var(--muted); }

/* ── PAGE HERO (inner pages) ── */
.page-hero {
  background: linear-gradient(135deg, #1E7A5A 0%, #2E9970 100%);
  color: white; padding: 60px 20px 50px;
}
.page-hero-inner { max-width: 1100px; margin: 0 auto; }
.page-hero h1 { color: white; margin-bottom: 12px; }
.page-hero p { color: rgba(255,255,255,0.75); font-size: 1.05rem; max-width: 640px; }
.page-hero .eyebrow { color: var(--emerald); }

/* ── INFO BOX ── */
.info-box { border-radius: var(--radius-sm); padding: 16px 20px; margin: 20px 0; display: flex; gap: 12px; align-items: flex-start; font-size: 0.92rem; }
.info-box-blue { background: #EFF6FF; border: 1px solid #BFDBFE; color: #1E40AF; }
.info-box-green { background: #F0FDF4; border: 1px solid #BBF7D0; color: #166534; }
.info-box-orange { background: #FFF7ED; border: 1px solid #FED7AA; color: #9A3412; }
.info-box-icon { font-size: 1.1rem; flex-shrink: 0; margin-top: 1px; }

/* ── FOOTER ── */
.site-footer {
  background: var(--navy);
  color: rgba(255,255,255,0.7);
  padding: 64px 20px 32px;
}
.footer-inner { max-width: 1100px; margin: 0 auto; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 48px; }
.footer-brand p { font-size: 0.87rem; line-height: 1.7; margin-top: 12px; max-width: 260px; }
.footer-col h4 { color: white; font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 700; font-size: 0.9rem; margin-bottom: 14px; }
.footer-col ul li { margin-bottom: 8px; }
.footer-col ul li a { color: rgba(255,255,255,0.6); font-size: 0.87rem; transition: color 0.2s; }
.footer-col ul li a:hover { color: var(--emerald); text-decoration: none; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 24px; display: flex; justify-content: space-between; align-items: center; flex-wrap: gap; }
.footer-bottom p { font-size: 0.8rem; }
.footer-disclaimer { font-size: 0.75rem; color: rgba(255,255,255,0.4); margin-top: 16px; line-height: 1.6; }
.badge-row { display: flex; gap: 8px; margin-top: 14px; flex-wrap: wrap; }
.badge-item {
  background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.12);
  border-radius: 6px; padding: 4px 10px; font-size: 0.75rem; color: rgba(255,255,255,0.6);
}

/* ── RESPONSIVE ── */
@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero-card { display: none; }
  .grid-3 { grid-template-columns: repeat(2,1fr); }
  .grid-4 { grid-template-columns: repeat(2,1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .pros-cons-grid { grid-template-columns: 1fr; }
  .grid-2-1 { grid-template-columns: 1fr; }
  .grid-1-2 { grid-template-columns: 1fr; }
  .grid-2 { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  .nav-links { display: none; flex-direction: column; position: absolute; top: 62px; left: 0; right: 0; background: white; border-bottom: 1px solid var(--border); padding: 12px; box-shadow: 0 8px 20px rgba(0,0,0,0.1); }
  .nav-links.open { display: flex; }
  .nav-toggle { display: block; }
  .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero { padding: 48px 20px 40px; }
  .section { padding: 48px 20px; }
  .result-grid { grid-template-columns: 1fr; }
  .score-grid { grid-template-columns: 1fr; }
}

/* ── UTILITIES ── */
.text-center { text-align: center; }
.text-muted { color: var(--muted); }
.mb-8 { margin-bottom: 8px; }
.mb-12 { margin-bottom: 12px; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-32 { margin-bottom: 32px; }
.mt-8 { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.gap-8 { gap: 8px; }
.fw-700 { font-weight: 700; }
.color-emerald { color: var(--emerald-dark); }
.color-orange { color: var(--orange); }
.color-navy { color: var(--navy); }

/* ── KEYWORD SECTIONS (index page) ── */
@media (max-width: 768px) {
  [id="pay-bills-in-installments"] > .container > div,
  [id="split-utility-bill-payments"] > .container > div,
  [id="bill-payment-assistance"] > .container > div,
  [id="credit-builder"] > .container > div,
  [id="bnpl-for-bills"] > .container > div {
    grid-template-columns: 1fr !important;
  }
  [id="split-utility-bill-payments"] > .container > div > div:first-child {
    order: 2;
  }
  [id="credit-builder"] > .container > div > div:first-child {
    order: 2;
  }
}

/* ── HERO DEFERIT NAME ANIMATION ── */
@keyframes deferitGlow {
  0%,100% { filter: drop-shadow(0 0 22px rgba(0,200,150,0.40)); }
  50%      { filter: drop-shadow(0 0 40px rgba(0,200,150,0.75)); }
}
.hero h1 span:first-child {
  animation: deferitGlow 3s ease-in-out infinite;
}

/* ── 4-STAT HERO ROW ── */
.hero-stats { display: flex; gap: 24px; flex-wrap: wrap; }
.hero-stats .stat-num { font-size: 1.35rem; }

/* Fix hero secondary button on mobile */
@media (max-width:480px) {
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; justify-content: center; }
}

/* ── APIDIAMOND FORM SECTION ── */
#apply-form { scroll-margin-top: 20px; }

#apidiamond-embed-wrap {
  min-height: 320px;
  transition: box-shadow 0.4s;
}

/* Override APIdiamond neo form styles to match Fern Teal theme */
#_lg_form_ input[type="text"],
#_lg_form_ input[type="email"],
#_lg_form_ input[type="tel"],
#_lg_form_ input[type="number"],
#_lg_form_ select {
  border: 1.5px solid #C5E8DC !important;
  border-radius: 8px !important;
  font-family: 'Inter', sans-serif !important;
  color: #0D3D28 !important;
  background: #F5FDFB !important;
}
#_lg_form_ input:focus,
#_lg_form_ select:focus {
  border-color: #1E7A5A !important;
  outline: none !important;
  box-shadow: 0 0 0 3px rgba(30,122,90,0.12) !important;
}
#_lg_form_ button[type="submit"],
#_lg_form_ .submit-btn,
#_lg_form_ input[type="submit"] {
  background: #FF6B35 !important;
  border: none !important;
  border-radius: 10px !important;
  font-family: 'Plus Jakarta Sans', sans-serif !important;
  font-weight: 700 !important;
  font-size: 1rem !important;
  cursor: pointer !important;
  transition: background 0.2s, transform 0.15s !important;
  color: #fff !important;
}
#_lg_form_ button[type="submit"]:hover,
#_lg_form_ .submit-btn:hover {
  background: #E55B25 !important;
  transform: translateY(-1px) !important;
}

/* Floating apply button on mobile */
.float-apply {
  display: none;
  position: fixed;
  bottom: 20px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 200;
  background: #FF6B35;
  color: #fff;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 700;
  font-size: 0.95rem;
  padding: 14px 28px;
  border-radius: 50px;
  box-shadow: 0 8px 24px rgba(255,107,53,0.45);
  text-decoration: none;
  white-space: nowrap;
  border: none;
  cursor: pointer;
  transition: background 0.2s, transform 0.15s;
  animation: floatPulse 2.5s ease-in-out infinite;
}
.float-apply:hover { background: #E55B25; transform: translateX(-50%) translateY(-2px); text-decoration: none; color: #fff; }
@keyframes floatPulse {
  0%,100% { box-shadow: 0 8px 24px rgba(255,107,53,0.45); }
  50%      { box-shadow: 0 12px 32px rgba(255,107,53,0.65); }
}
@media (max-width: 640px) {
  .float-apply { display: flex; align-items: center; gap: 8px; }
}

/* ── PHOTO BACKGROUND ENHANCEMENTS — light overlay, strong text shadow ── */

/* Hero — heavier text shadow because overlay is now light enough to show image */
.hero h1 {
  text-shadow:
    0 2px 4px rgba(0,0,0,0.55),
    0 4px 24px rgba(0,0,0,0.45),
    0 0 1px rgba(0,0,0,0.5);
}
.hero h1 span:first-child {
  text-shadow:
    0 4px 16px rgba(0,0,0,0.5),
    0 0 32px rgba(0,200,150,0.3);
}
.hero p {
  text-shadow:
    0 1px 3px rgba(0,0,0,0.6),
    0 2px 12px rgba(0,0,0,0.5);
}
.hero-eyebrow {
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  background: rgba(0,200,150,0.22) !important;
  border: 1px solid rgba(0,200,150,0.5) !important;
}
.hero-stats {
  padding-top: 24px;
}
.hero-stats .stat-num {
  text-shadow: 0 2px 6px rgba(0,0,0,0.5);
}
.hero-stats .stat-label {
  text-shadow: 0 1px 4px rgba(0,0,0,0.6);
}

/* Hero card — keep crisp readability with subtle border */
.hero-card {
  backdrop-filter: blur(2px);
  -webkit-backdrop-filter: blur(2px);
  border: 1px solid rgba(255,255,255,0.5);
}

/* CTA banner text — strong shadows on light overlay */
.cta-banner h2 {
  text-shadow:
    0 2px 4px rgba(0,0,0,0.5),
    0 4px 16px rgba(0,0,0,0.4);
}
.cta-banner p {
  text-shadow:
    0 1px 3px rgba(0,0,0,0.55),
    0 2px 10px rgba(0,0,0,0.4);
}

/* CTA banner vignette for extra depth */
.cta-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at center, transparent 25%, rgba(0,40,25,0.45) 100%);
  pointer-events: none;
  border-radius: inherit;
}
.cta-banner > * {
  position: relative;
  z-index: 1;
}