/* ============================================
   wiseloansapp.com — Prism Glass Theme
   Luxury Finance · Glass 3D · Navy × Cream × Gold
   ============================================
   Adapted from prism-glass design system.
   This stylesheet maps prism aesthetics onto the
   existing site's class structure — no HTML changes
   required. All design tokens preserved.
============================================ */

/* ============ FONTS ============ */
@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,400;0,500;0,600;0,700;1,400;1,500;1,600&family=Inter:wght@400;500;600;700&family=Noto+Sans+Thai:wght@400;500;600;700&display=swap');

/* ============ DESIGN TOKENS ============ */
:root {
  --prism-navy: #0a1628;
  --prism-navy-mid: #0f1e3a;
  --prism-navy-light: #1a2f54;

  --prism-cream: #f5efe4;
  --prism-cream-light: #faf5ea;
  --prism-cream-dark: #ebe3d3;

  --prism-gold: #c9a255;
  --prism-gold-light: #d9b66b;
  --prism-gold-dark: #a88642;

  --prism-success: #7fc38f;
  --prism-warning: #e8a87c;

  --prism-cream-60: rgba(245, 239, 228, 0.6);
  --prism-cream-70: rgba(245, 239, 228, 0.75);
  --prism-cream-20: rgba(245, 239, 228, 0.2);
  --prism-cream-10: rgba(245, 239, 228, 0.1);
  --prism-cream-05: rgba(245, 239, 228, 0.05);
  --prism-navy-60: rgba(10, 22, 40, 0.6);
  --prism-navy-10: rgba(10, 22, 40, 0.1);
  --prism-gold-15: rgba(201, 162, 85, 0.15);
  --prism-gold-30: rgba(201, 162, 85, 0.3);
  --prism-gold-40: rgba(201, 162, 85, 0.4);

  --prism-font-serif: 'Cormorant Garamond', 'Times New Roman', serif;
  --prism-font-sans: 'Inter', 'Noto Sans Thai', -apple-system, BlinkMacSystemFont, sans-serif;

  --prism-radius-sm: 8px;
  --prism-radius-md: 14px;
  --prism-radius-lg: 20px;
  --prism-radius-pill: 30px;

  /* Legacy aliases — preserves any inline-style references in HTML */
  --bg: var(--prism-cream);
  --bg-2: var(--prism-cream-dark);
  --ink: var(--prism-navy);
  --ink-2: rgba(10, 22, 40, 0.65);
  --gold: var(--prism-gold);
  --gold-2: var(--prism-gold-dark);
  --green: var(--prism-gold-dark);
  --green-2: var(--prism-navy);
  --line: rgba(10, 22, 40, 0.12);
  --rust: var(--prism-warning);
  --shadow: 0 1px 0 rgba(10, 22, 40, .04), 0 24px 60px -28px rgba(10, 22, 40, .25);
}

/* ============ RESET ============ */
* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--prism-font-sans);
  background: var(--prism-cream);
  color: var(--prism-navy);
  line-height: 1.7;
  font-size: 15px;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img { max-width: 100%; display: block; }
a {
  color: var(--prism-gold-dark);
  text-decoration: none;
  transition: color 0.3s;
}
a:hover { color: var(--prism-gold); }

/* ============ TOPBAR (legacy CSS — element removed) ============ */
.topbar {
  background: var(--prism-navy);
  color: var(--prism-cream-70);
  font-size: 12px;
  padding: 8px 0;
}
.topbar .wrap { display: flex; justify-content: space-between; align-items: center; gap: 20px; flex-wrap: wrap; }
.topbar a { color: var(--prism-gold); }

/* ============ CONTAINER ============ */
.wrap {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 32px;
}

/* ============ HEADER ============ */
header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(10, 22, 40, 0.85);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--prism-gold-15);
  padding: 16px 0;
}
.header-inner {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 32px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}
.logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  color: var(--prism-cream);
}
.logo-mark {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--prism-gold), var(--prism-gold-light));
  display: grid;
  place-items: center;
  color: var(--prism-navy);
  font-family: var(--prism-font-serif);
  font-weight: 600;
  font-size: 22px;
  border: 1px solid var(--prism-gold-30);
}
.logo-text {
  font-family: var(--prism-font-serif);
  font-size: 20px;
  font-weight: 500;
  letter-spacing: 2px;
  color: var(--prism-cream);
  line-height: 1.1;
}
.logo-text span {
  display: block;
  font-family: var(--prism-font-sans);
  font-size: 9px;
  color: var(--prism-cream-60);
  letter-spacing: 2px;
  margin-top: 4px;
  text-transform: uppercase;
  font-weight: 400;
}
nav {
  display: flex;
  align-items: center;
  gap: 24px;
}
nav ul {
  display: flex;
  list-style: none;
  gap: 28px;
  align-items: center;
}
nav a {
  color: var(--prism-cream-70);
  text-decoration: none;
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  transition: color 0.3s;
}
nav a:hover { color: var(--prism-gold); }

.nav-cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: linear-gradient(135deg, var(--prism-gold), var(--prism-gold-light));
  color: var(--prism-navy) !important;
  padding: 10px 22px;
  border-radius: var(--prism-radius-pill);
  text-decoration: none;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  border: 1px solid var(--prism-gold-light);
  box-shadow: 0 6px 18px rgba(201, 162, 85, 0.3);
  transition: all 0.3s;
  white-space: nowrap;
}
.nav-cta:hover {
  background: linear-gradient(135deg, var(--prism-gold-light), var(--prism-gold));
  color: var(--prism-navy) !important;
  transform: translateY(-2px);
  box-shadow: 0 10px 24px rgba(201, 162, 85, 0.45);
}
.nav-cta::after {
  content: '→';
  font-size: 14px;
  line-height: 1;
  transition: transform 0.3s;
}
.nav-cta:hover::after {
  transform: translateX(3px);
}

.cta-btn {
  display: inline-block;
  background: var(--prism-gold-15);
  color: var(--prism-gold);
  padding: 9px 20px;
  border-radius: var(--prism-radius-pill);
  text-decoration: none;
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  border: 1px solid var(--prism-gold-40);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  transition: all 0.3s;
}
.cta-btn:hover {
  background: var(--prism-gold);
  color: var(--prism-navy);
}
.menu-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 26px;
  cursor: pointer;
  color: var(--prism-cream);
}

/* ============ PAGE HERO ============ */
.page-hero {
  background: var(--prism-navy);
  color: var(--prism-cream);
  padding: 90px 0 70px;
  position: relative;
  overflow: hidden;
  border-bottom: 1px solid var(--prism-gold-15);
}
.page-hero::before {
  content: '';
  position: absolute;
  top: -100px;
  right: -100px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(201, 162, 85, 0.25) 0%, transparent 60%);
  pointer-events: none;
  z-index: 0;
}
.page-hero::after {
  content: '';
  position: absolute;
  bottom: -120px;
  left: -50px;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(201, 162, 85, 0.12) 0%, transparent 60%);
  pointer-events: none;
  z-index: 0;
}
.page-hero .wrap { position: relative; z-index: 2; }

/* Hero with background image (homepage) */
.hero-with-image {
  position: relative;
}
.hero-bg-image {
  position: absolute;
  inset: 0;
  background-image: url('images/hero-family.jpg');
  background-size: cover;
  background-position: center 30%;
  background-repeat: no-repeat;
  opacity: 0.35;
  z-index: 0;
  filter: grayscale(10%) contrast(1);
  pointer-events: none;
}
.hero-bg-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg,
    rgba(10, 22, 40, 0.82) 0%,
    rgba(10, 22, 40, 0.62) 45%,
    rgba(10, 22, 40, 0.78) 100%);
  z-index: 1;
  pointer-events: none;
}
/* Ensure decorative gold glows still show on top */
.hero-with-image::before,
.hero-with-image::after {
  z-index: 2;
}
.breadcrumbs {
  font-size: 12px;
  color: var(--prism-cream-60);
  margin-bottom: 22px;
  letter-spacing: 0.05em;
}
.breadcrumbs a { color: var(--prism-cream-70); }
.breadcrumbs a:hover { color: var(--prism-gold); }
.breadcrumbs span { margin: 0 8px; color: var(--prism-gold); }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--prism-gold-15);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border: 1px solid var(--prism-gold-30);
  padding: 7px 16px;
  border-radius: var(--prism-radius-pill);
  color: var(--prism-gold);
  font-size: 11px;
  letter-spacing: 2px;
  text-transform: uppercase;
  font-weight: 500;
  font-family: var(--prism-font-sans);
  margin-bottom: 22px;
}

h1 {
  font-family: var(--prism-font-serif);
  font-size: clamp(36px, 5vw, 60px);
  line-height: 1.1;
  font-weight: 500;
  letter-spacing: -0.5px;
  color: var(--prism-cream);
  margin-bottom: 22px;
  max-width: 920px;
}
h1 em {
  font-style: italic;
  color: var(--prism-gold);
  font-family: var(--prism-font-serif);
}
.lede {
  font-size: 16px;
  color: var(--prism-cream-70);
  max-width: 720px;
  line-height: 1.8;
  margin-bottom: 28px;
  font-family: var(--prism-font-sans);
}

/* ============ SECTIONS & HEADINGS ============ */
section {
  padding: 80px 0;
  position: relative;
}
h2 {
  font-family: var(--prism-font-serif);
  font-size: clamp(28px, 3.4vw, 44px);
  line-height: 1.2;
  font-weight: 500;
  letter-spacing: -0.3px;
  margin: 48px 0 20px;
  color: var(--prism-navy);
}
h2 em { color: var(--prism-gold); font-style: italic; }
h3 {
  font-family: var(--prism-font-serif);
  font-size: 22px;
  line-height: 1.3;
  font-weight: 600;
  margin: 32px 0 14px;
  color: var(--prism-navy);
}
h3 em { color: var(--prism-gold); font-style: italic; }
h4 {
  font-family: var(--prism-font-serif);
  font-size: 18px;
  line-height: 1.3;
  font-weight: 600;
  margin: 22px 0 10px;
  color: var(--prism-navy);
}
p {
  margin-bottom: 18px;
  color: var(--prism-navy);
  font-size: 15px;
  line-height: 1.8;
  opacity: 0.85;
}
ul, ol { margin: 18px 0 22px 0; padding-left: 24px; }
li {
  margin-bottom: 10px;
  color: var(--prism-navy);
  font-size: 15px;
  line-height: 1.75;
  opacity: 0.85;
}
ul li::marker { color: var(--prism-gold); }
ol li::marker {
  color: var(--prism-gold);
  font-family: var(--prism-font-serif);
  font-weight: 600;
  font-style: italic;
}
blockquote {
  background: linear-gradient(135deg, rgba(201, 162, 85, 0.08), rgba(201, 162, 85, 0.02));
  border-left: 3px solid var(--prism-gold);
  padding: 20px 28px;
  margin: 30px 0;
  font-style: italic;
  color: var(--prism-navy);
  font-family: var(--prism-font-serif);
  font-size: 19px;
  line-height: 1.6;
  border-radius: 0 var(--prism-radius-md) var(--prism-radius-md) 0;
}

/* ============ BUTTONS ============ */
.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--prism-gold);
  color: var(--prism-navy);
  padding: 13px 26px;
  border-radius: var(--prism-radius-pill);
  text-decoration: none;
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
  font-size: 12px;
  border: 1px solid var(--prism-gold);
  transition: all 0.3s;
  font-family: var(--prism-font-sans);
  cursor: pointer;
}
.btn-primary:hover {
  background: var(--prism-gold-light);
  color: var(--prism-navy);
  transform: translateY(-2px);
  box-shadow: 0 12px 30px rgba(201, 162, 85, 0.4);
}
.btn-secondary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--prism-cream-10);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  color: var(--prism-cream);
  padding: 13px 24px;
  border-radius: var(--prism-radius-pill);
  text-decoration: none;
  font-weight: 500;
  letter-spacing: 1px;
  text-transform: uppercase;
  font-size: 12px;
  border: 1px solid var(--prism-cream-20);
  transition: all 0.3s;
}
.btn-secondary:hover {
  background: var(--prism-cream-20);
  border-color: var(--prism-gold);
}

/* ============ TWO COLUMN ============ */
.two-col {
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 50px;
  align-items: start;
}
.sidebar {
  position: sticky;
  top: 100px;
  background: linear-gradient(135deg, rgba(245, 239, 228, 0.9), rgba(245, 239, 228, 0.7));
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border: 1px solid rgba(10, 22, 40, 0.08);
  border-radius: var(--prism-radius-lg);
  padding: 30px;
  box-shadow: 0 20px 40px rgba(10, 22, 40, 0.08);
}
.sidebar h3 { font-size: 18px; margin-top: 0; font-family: var(--prism-font-serif); }
.sidebar ul { list-style: none; padding-left: 0; margin: 14px 0; }
.sidebar ul li {
  padding: 10px 0;
  border-bottom: 1px solid rgba(10, 22, 40, 0.08);
  font-size: 14px;
  margin-bottom: 0;
}
.sidebar ul li:last-child { border-bottom: none; }
.sidebar ul li a { text-decoration: none; color: var(--prism-navy); font-weight: 500; }
.sidebar ul li a:hover { color: var(--prism-gold-dark); }

/* ============ CALLOUT (gold glass) ============ */
.callout {
  background: linear-gradient(135deg, rgba(201, 162, 85, 0.12), rgba(201, 162, 85, 0.04));
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border: 1px solid var(--prism-gold-30);
  border-left: 3px solid var(--prism-gold);
  padding: 24px 28px;
  margin: 30px 0;
  border-radius: var(--prism-radius-md);
}
.callout h4 {
  margin-top: 0;
  color: var(--prism-gold-dark);
  font-size: 12px;
  letter-spacing: 2px;
  text-transform: uppercase;
  font-family: var(--prism-font-sans);
  font-weight: 600;
  margin-bottom: 12px;
}
.callout p:last-child { margin-bottom: 0; }

/* ============ KEY TAKEAWAY (navy glass) ============ */
.key-takeaway {
  background: linear-gradient(135deg, rgba(15, 30, 58, 0.97), rgba(10, 22, 40, 0.92));
  color: var(--prism-cream);
  padding: 36px 40px;
  margin: 36px 0;
  position: relative;
  overflow: hidden;
  border-radius: var(--prism-radius-lg);
  border: 1px solid var(--prism-gold-15);
}
.key-takeaway::before {
  content: '';
  position: absolute;
  top: -60px;
  right: -60px;
  width: 200px;
  height: 200px;
  background: radial-gradient(circle, rgba(201, 162, 85, 0.2) 0%, transparent 70%);
  pointer-events: none;
}
.key-takeaway::after {
  content: '✦ KEY TAKEAWAY';
  position: absolute;
  top: 16px;
  right: 24px;
  color: var(--prism-gold);
  font-size: 11px;
  letter-spacing: 3px;
  font-family: var(--prism-font-sans);
  font-weight: 600;
}
.key-takeaway p {
  color: var(--prism-cream);
  font-size: 17px;
  margin-bottom: 0;
  line-height: 1.7;
  padding-top: 16px;
  font-family: var(--prism-font-serif);
  font-style: italic;
  opacity: 1;
  position: relative;
  z-index: 1;
}

/* ============ TABLES ============ */
table {
  width: 100%;
  border-collapse: collapse;
  margin: 28px 0;
  background: linear-gradient(135deg, rgba(245, 239, 228, 0.95), rgba(245, 239, 228, 0.85));
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border: 1px solid rgba(10, 22, 40, 0.08);
  border-radius: var(--prism-radius-md);
  overflow: hidden;
  box-shadow: 0 10px 30px rgba(10, 22, 40, 0.08);
}
table th, table td {
  padding: 14px 18px;
  text-align: left;
  border-bottom: 1px solid rgba(10, 22, 40, 0.06);
  font-size: 14px;
}
table th {
  background: var(--prism-navy);
  color: var(--prism-gold);
  font-family: var(--prism-font-sans);
  font-weight: 600;
  letter-spacing: 1.5px;
  font-size: 11px;
  text-transform: uppercase;
}
table tr:nth-child(even) td { background: rgba(10, 22, 40, 0.02); }
table td:first-child { font-weight: 600; color: var(--prism-navy); }
table tr:last-child td { border-bottom: none; }

.check { color: var(--prism-success); font-weight: 700; font-size: 18px; }
.cross { color: var(--prism-warning); }
.compare-wrap { overflow-x: auto; margin: 24px 0; }

/* ============ FAQ ============ */
.faq-list { margin-top: 24px; }
.faq-item {
  background: linear-gradient(135deg, rgba(245, 239, 228, 0.9), rgba(245, 239, 228, 0.7));
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border: 1px solid rgba(10, 22, 40, 0.08);
  margin-bottom: 14px;
  border-radius: var(--prism-radius-md);
  transition: all 0.3s;
}
.faq-item:hover {
  border-color: var(--prism-gold-30);
  box-shadow: 0 10px 30px rgba(201, 162, 85, 0.1);
}
.faq-item summary {
  padding: 22px 28px;
  cursor: pointer;
  list-style: none;
  font-family: var(--prism-font-serif);
  font-size: 18px;
  font-weight: 500;
  color: var(--prism-navy);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+';
  font-size: 28px;
  color: var(--prism-gold);
  transition: transform 0.3s;
  font-weight: 300;
  line-height: 1;
}
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item[open] {
  border-color: var(--prism-gold);
}
.faq-item .answer {
  padding: 0 28px 26px;
  color: var(--prism-navy);
  font-size: 15px;
  line-height: 1.8;
  opacity: 0.8;
}

/* ============ CTA BANNER ============ */
.cta-banner {
  background: linear-gradient(135deg, var(--prism-gold), var(--prism-gold-light));
  color: var(--prism-navy);
  text-align: center;
  padding: 80px 24px;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  top: -100px;
  right: -100px;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(245, 239, 228, 0.3) 0%, transparent 60%);
  pointer-events: none;
}
.cta-banner::after {
  content: '';
  position: absolute;
  bottom: -80px;
  left: -50px;
  width: 300px;
  height: 300px;
  background: radial-gradient(circle, rgba(245, 239, 228, 0.2) 0%, transparent 60%);
  pointer-events: none;
}
.cta-banner h2 {
  font-family: var(--prism-font-serif);
  font-size: clamp(30px, 4vw, 44px);
  margin: 0 0 18px;
  font-weight: 500;
  letter-spacing: -0.3px;
  position: relative;
  z-index: 1;
  color: var(--prism-navy);
}
.cta-banner h2 em { color: var(--prism-navy); font-style: italic; }
.cta-banner p {
  font-size: 16px;
  margin-bottom: 30px;
  max-width: 600px;
  margin-left: auto;
  margin-right: auto;
  position: relative;
  z-index: 1;
  color: var(--prism-navy);
  opacity: 0.85;
}
.cta-banner .btn-primary {
  background: var(--prism-navy);
  color: var(--prism-gold);
  border: 1px solid var(--prism-navy);
  position: relative;
  z-index: 1;
}
.cta-banner .btn-primary:hover {
  background: var(--prism-navy-mid);
  color: var(--prism-gold-light);
  box-shadow: 0 12px 30px rgba(10, 22, 40, 0.4);
}

/* ============ AUTHOR CARD ============ */
.author-card {
  background: linear-gradient(135deg, rgba(245, 239, 228, 0.9), rgba(245, 239, 228, 0.7));
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border: 1px solid rgba(10, 22, 40, 0.08);
  border-radius: var(--prism-radius-lg);
  padding: 30px;
  margin: 32px 0;
  display: flex;
  gap: 24px;
  align-items: center;
  box-shadow: 0 10px 30px rgba(10, 22, 40, 0.05);
}
.author-avatar {
  flex-shrink: 0;
  width: 70px;
  height: 70px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--prism-gold), var(--prism-gold-light));
  color: var(--prism-navy);
  display: grid;
  place-items: center;
  font-family: var(--prism-font-serif);
  font-size: 30px;
  font-weight: 600;
  font-style: italic;
  border: 1px solid var(--prism-gold-30);
}
.author-info h4 {
  margin: 0 0 4px 0;
  font-size: 18px;
  font-family: var(--prism-font-serif);
  color: var(--prism-navy);
}
.author-info .role {
  font-size: 11px;
  color: var(--prism-gold-dark);
  letter-spacing: 2px;
  text-transform: uppercase;
  margin-bottom: 8px;
  font-weight: 500;
}
.author-info p {
  font-size: 14px;
  margin: 0;
  color: var(--prism-navy);
  opacity: 0.7;
}

/* ============ META BAR ============ */
.meta-bar {
  display: flex;
  gap: 18px;
  flex-wrap: wrap;
  align-items: center;
  font-size: 13px;
  color: var(--prism-navy);
  opacity: 0.85;
  padding-bottom: 24px;
  border-bottom: 1px solid rgba(10, 22, 40, 0.08);
  margin-bottom: 36px;
}
.meta-bar span { display: flex; align-items: center; gap: 6px; }
.meta-bar strong { color: var(--prism-navy); }

/* ============ FOOTER ============ */
footer {
  background: var(--prism-navy);
  color: var(--prism-cream-70);
  padding: 80px 0 36px;
  position: relative;
  overflow: hidden;
}
footer::before {
  content: '';
  position: absolute;
  top: -100px;
  right: -100px;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(201, 162, 85, 0.12) 0%, transparent 60%);
  pointer-events: none;
}
footer::after {
  content: '';
  position: absolute;
  bottom: -100px;
  left: -50px;
  width: 300px;
  height: 300px;
  background: radial-gradient(circle, rgba(201, 162, 85, 0.06) 0%, transparent 60%);
  pointer-events: none;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 50px;
  position: relative;
  z-index: 2;
}
footer h4 {
  color: var(--prism-gold);
  font-family: var(--prism-font-sans);
  font-size: 11px;
  letter-spacing: 3px;
  text-transform: uppercase;
  margin-bottom: 18px;
  font-weight: 600;
}
footer ul { list-style: none; padding-left: 0; }
footer ul li {
  margin-bottom: 10px;
  font-size: 13px;
  color: var(--prism-cream-70);
  opacity: 1;
}
footer ul li::marker { display: none; content: ''; }
footer a {
  color: var(--prism-cream-70);
  text-decoration: none;
  font-size: 13px;
  transition: color 0.3s;
}
footer a:hover { color: var(--prism-gold); }
footer .footer-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 20px;
  text-decoration: none;
  color: var(--prism-cream);
}
footer .footer-logo .logo-text {
  color: var(--prism-cream);
  font-family: var(--prism-font-serif);
  letter-spacing: 2px;
}
footer .footer-logo .logo-text span {
  color: var(--prism-gold);
  font-family: var(--prism-font-sans);
  letter-spacing: 2px;
  font-size: 9px;
}
footer .desc {
  font-size: 13px;
  color: var(--prism-cream-60);
  line-height: 1.8;
  margin-bottom: 18px;
  max-width: 320px;
  opacity: 1;
}
footer p {
  color: var(--prism-cream-70);
  opacity: 1;
}
.disclaimer {
  border-top: 1px solid var(--prism-gold-15);
  padding-top: 32px;
  font-size: 12px;
  color: var(--prism-cream-60);
  line-height: 1.7;
  position: relative;
  z-index: 2;
}
.disclaimer p {
  margin-bottom: 12px;
  color: var(--prism-cream-60);
  opacity: 1;
}
.disclaimer a { color: var(--prism-gold); }
.disclaimer a:hover { color: var(--prism-gold-light); }
.copy {
  margin-top: 20px;
  padding-top: 20px;
  border-top: 1px solid var(--prism-gold-15);
  font-size: 12px;
  color: var(--prism-cream-60);
  text-align: center;
}

/* ============ FOOTER INSIGHT ============ */
.page-footer-insight {
  background: linear-gradient(135deg, var(--prism-cream-light), var(--prism-cream)) !important;
  padding: 70px 24px !important;
  border-top: 1px solid var(--prism-gold-15) !important;
}
.page-footer-insight h2 {
  font-family: var(--prism-font-serif);
  font-size: 30px !important;
  font-weight: 500 !important;
  color: var(--prism-navy);
}
.page-footer-insight h3 {
  font-family: var(--prism-font-sans);
  font-size: 12px !important;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--prism-gold-dark);
  font-weight: 600;
}

/* ============ FORM EMBED ============ */
#apply-form, #_lg_form_ {
  scroll-margin-top: 120px;
}
aside[id="apply-form"] {
  background: linear-gradient(135deg, rgba(245, 239, 228, 0.95), rgba(245, 239, 228, 0.85)) !important;
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid var(--prism-gold-30) !important;
  border-radius: var(--prism-radius-lg) !important;
  box-shadow: 0 30px 60px rgba(10, 22, 40, 0.15) !important;
}
aside[id="apply-form"] h3 {
  color: var(--prism-navy) !important;
  font-family: var(--prism-font-serif);
}

/* ============ REVIEW CARDS ============ */
.review-card {
  background: linear-gradient(135deg, rgba(245, 239, 228, 0.95), rgba(245, 239, 228, 0.85)) !important;
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border-radius: var(--prism-radius-lg) !important;
  border: 1px solid rgba(10, 22, 40, 0.08) !important;
  border-left: 4px solid var(--prism-gold) !important;
  box-shadow: 0 10px 30px rgba(10, 22, 40, 0.05) !important;
  transition: transform 0.3s, box-shadow 0.3s;
}
.review-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 20px 40px rgba(201, 162, 85, 0.15) !important;
}

/* ============ ANIMATIONS ============ */
@keyframes prism-fadeIn {
  from { opacity: 0; transform: translateY(20px); }
  to { opacity: 1; transform: translateY(0); }
}
.page-hero .wrap > * {
  animation: prism-fadeIn 0.8s ease backwards;
}
.page-hero h1 { animation-delay: 0.1s; }
.page-hero .lede { animation-delay: 0.2s; }
.page-hero .btn-primary { animation-delay: 0.3s; }

/* ============ INLINE STYLE OVERRIDES ============ */
[style*="background:#fff"]:not(table):not(th):not(td) {
  background: linear-gradient(135deg, rgba(245, 239, 228, 0.95), rgba(245, 239, 228, 0.85)) !important;
  border-radius: var(--prism-radius-md) !important;
}

/* Stars in reviews keep gold */
[style*="color:var(--gold)"] { color: var(--prism-gold) !important; }
[style*="color:var(--green)"] { color: var(--prism-gold-dark) !important; }

/* article links */
article a, .answer a {
  color: var(--prism-gold-dark);
  text-decoration: underline;
  text-decoration-color: rgba(168, 134, 66, 0.4);
  text-underline-offset: 3px;
}
article a:hover, .answer a:hover {
  color: var(--prism-gold);
  text-decoration-color: var(--prism-gold);
}

/* hero links */
.page-hero a:not(.btn-primary):not(.cta-btn) {
  color: var(--prism-gold);
}
.page-hero a:not(.btn-primary):not(.cta-btn):hover {
  color: var(--prism-gold-light);
}

/* selection */
::selection {
  background: var(--prism-gold);
  color: var(--prism-navy);
}

/* ============ HERO ENHANCEMENTS (homepage) ============ */
.hero-home {
  padding-top: 100px !important;
  padding-bottom: 110px !important;
}

/* Animated sparkle dots in hero background */
.hero-home::before {
  width: 600px !important;
  height: 600px !important;
  top: -150px !important;
  right: -150px !important;
  background: radial-gradient(circle, rgba(201, 162, 85, 0.3) 0%, transparent 60%) !important;
  animation: prism-pulse 8s ease-in-out infinite;
}
.hero-home::after {
  width: 500px !important;
  height: 500px !important;
  background: radial-gradient(circle, rgba(201, 162, 85, 0.18) 0%, transparent 60%) !important;
  animation: prism-pulse 10s ease-in-out infinite reverse;
}

@keyframes prism-pulse {
  0%, 100% { opacity: 0.7; transform: scale(1); }
  50% { opacity: 1; transform: scale(1.1); }
}

/* Hero avatar stack (social proof) */
.hero-avatar {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  border: 2px solid var(--prism-navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
  font-weight: 600;
  font-family: var(--prism-font-sans);
  position: relative;
}
.hero-avatar + .hero-avatar {
  margin-left: -12px;
}
.hero-avatar:nth-child(4) {
  font-size: 10px;
  letter-spacing: 0.5px;
}

/* Hero stats pills (bottom row) */
.hero-stat-pill {
  background: linear-gradient(135deg, rgba(245, 239, 228, 0.08), rgba(245, 239, 228, 0.03));
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid rgba(245, 239, 228, 0.12);
  border-radius: var(--prism-radius-lg);
  padding: 28px 24px;
  text-align: center;
  transition: all 0.4s ease;
  cursor: default;
}
.hero-stat-pill:hover {
  background: linear-gradient(135deg, rgba(245, 239, 228, 0.12), rgba(245, 239, 228, 0.05));
  border-color: var(--prism-gold-30);
  transform: translateY(-4px);
  box-shadow: 0 20px 40px rgba(201, 162, 85, 0.15);
}
.hero-stat-num {
  font-family: var(--prism-font-serif);
  font-size: 38px;
  color: var(--prism-gold);
  font-weight: 500;
  font-style: italic;
  line-height: 1;
  margin-bottom: 10px;
  letter-spacing: -0.5px;
}
.hero-stat-num span {
  font-size: 18px !important;
  font-style: normal;
  margin-left: 2px;
  color: var(--prism-gold-light);
}
.hero-stat-label {
  color: rgba(245, 239, 228, 0.6);
  font-size: 11px;
  letter-spacing: 2px;
  text-transform: uppercase;
  font-family: var(--prism-font-sans);
  font-weight: 500;
}

/* Form aside as glass 3D card */
.hero-home aside[id="apply-form"] {
  background: linear-gradient(135deg, rgba(245, 239, 228, 0.97), rgba(245, 239, 228, 0.92)) !important;
  backdrop-filter: blur(30px) !important;
  -webkit-backdrop-filter: blur(30px) !important;
  border: 1px solid var(--prism-gold-30) !important;
  border-radius: var(--prism-radius-lg) !important;
  padding: 36px 32px !important;
  box-shadow: 0 30px 80px rgba(0, 0, 0, 0.4), 0 0 0 1px rgba(201, 162, 85, 0.15) inset !important;
  position: relative;
  transform: perspective(1200px) rotateY(-2deg);
  transition: transform 0.5s ease;
}
.hero-home aside[id="apply-form"]:hover {
  transform: perspective(1200px) rotateY(0deg) translateY(-4px);
}

.hero-home aside[id="apply-form"]::before {
  content: '';
  position: absolute;
  top: -1px;
  left: -1px;
  right: -1px;
  bottom: -1px;
  background: linear-gradient(135deg, var(--prism-gold-30), transparent 50%, var(--prism-gold-15));
  border-radius: var(--prism-radius-lg);
  z-index: -1;
  opacity: 0.6;
  pointer-events: none;
}

/* The Apply Now ribbon on form */
.hero-home aside[id="apply-form"] > div:first-child {
  background: linear-gradient(135deg, var(--prism-gold), var(--prism-gold-light)) !important;
  color: var(--prism-navy) !important;
  font-weight: 600 !important;
  letter-spacing: 2px !important;
  border-radius: var(--prism-radius-pill) !important;
  padding: 8px 18px !important;
  box-shadow: 0 8px 20px rgba(201, 162, 85, 0.4);
}

.hero-home aside[id="apply-form"] h3 {
  color: var(--prism-navy) !important;
  font-family: var(--prism-font-serif) !important;
  font-size: 24px !important;
  font-weight: 500 !important;
  margin-top: 14px !important;
}
.hero-home aside[id="apply-form"] h3 em {
  color: var(--prism-gold-dark) !important;
}
.hero-home aside[id="apply-form"] p {
  color: rgba(10, 22, 40, 0.65) !important;
}

/* Btn-secondary on hero-home (transparent glass) */
.hero-home .btn-secondary {
  background: rgba(245, 239, 228, 0.08);
  color: var(--prism-cream);
  border: 1px solid rgba(245, 239, 228, 0.25);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
}
.hero-home .btn-secondary:hover {
  background: rgba(245, 239, 228, 0.15);
  border-color: var(--prism-gold);
  color: var(--prism-cream);
}

/* H1 with line break preserved */
.hero-home h1 {
  letter-spacing: -1px;
  line-height: 1.05 !important;
}
.hero-home h1 br {
  display: block;
}

/* ============ HOW IT WORKS — Phone Mockup ============ */
.how-it-works-section::before {
  content: '';
  position: absolute;
  top: -200px;
  right: -200px;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(201, 162, 85, 0.08) 0%, transparent 60%);
  pointer-events: none;
}
.how-it-works-section::after {
  content: '';
  position: absolute;
  bottom: -200px;
  left: -200px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(10, 22, 40, 0.04) 0%, transparent 60%);
  pointer-events: none;
}

/* Phone frame — premium device mockup */
.phone-frame {
  position: relative;
  width: 320px;
  height: 640px;
  background: linear-gradient(145deg, #1a2f54 0%, #0a1628 100%);
  border-radius: 48px;
  padding: 12px;
  box-shadow:
    0 0 0 2px rgba(201, 162, 85, 0.2),
    0 0 0 8px rgba(10, 22, 40, 0.4),
    0 50px 100px rgba(10, 22, 40, 0.3),
    0 30px 60px rgba(10, 22, 40, 0.25),
    inset 0 0 0 1px rgba(245, 239, 228, 0.05);
  z-index: 2;
  animation: phone-float 6s ease-in-out infinite;
}

@keyframes phone-float {
  0%, 100% { transform: translateY(0) rotate(0deg); }
  50% { transform: translateY(-12px) rotate(-0.5deg); }
}

/* Phone notch / Dynamic Island */
.phone-notch {
  position: absolute;
  top: 20px;
  left: 50%;
  transform: translateX(-50%);
  width: 100px;
  height: 26px;
  background: #000;
  border-radius: 14px;
  z-index: 10;
  box-shadow: inset 0 0 0 1px rgba(245, 239, 228, 0.08);
}
.phone-notch::after {
  content: '';
  position: absolute;
  top: 50%;
  right: 12px;
  transform: translateY(-50%);
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: radial-gradient(circle, #1a2f54 0%, #000 70%);
  box-shadow: inset 0 0 2px rgba(201, 162, 85, 0.3);
}

/* Phone screen */
.phone-screen {
  width: 100%;
  height: 100%;
  background: linear-gradient(160deg, #f5efe4 0%, #faf5ea 100%);
  border-radius: 38px;
  padding: 48px 22px 22px;
  overflow: hidden;
  position: relative;
}

/* Status bar */
.phone-statusbar {
  position: absolute;
  top: 22px;
  left: 30px;
  right: 30px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-family: var(--prism-font-sans);
  font-size: 12px;
  font-weight: 600;
  color: var(--prism-navy);
  z-index: 5;
}
.phone-status-icons {
  font-size: 9px;
  letter-spacing: 0.5px;
  display: flex;
  align-items: center;
}

/* App header */
.phone-app-header {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 8px 4px 14px;
  border-bottom: 1px solid rgba(10, 22, 40, 0.06);
  margin-bottom: 18px;
}
.phone-logo-mark {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--prism-gold), var(--prism-gold-light));
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--prism-navy);
  font-family: var(--prism-font-serif);
  font-weight: 700;
  font-size: 16px;
  border: 1px solid var(--prism-gold-30);
}
.phone-app-title {
  font-family: var(--prism-font-serif);
  font-size: 17px;
  color: var(--prism-navy);
  font-weight: 600;
  letter-spacing: -0.3px;
  flex: 1;
}
.phone-app-badge {
  font-size: 8px;
  font-weight: 600;
  letter-spacing: 1.5px;
  color: var(--prism-success);
  background: rgba(127, 195, 143, 0.15);
  padding: 4px 8px;
  border-radius: 12px;
  font-family: var(--prism-font-sans);
}

/* Step indicator */
.phone-step-indicator {
  display: flex;
  gap: 6px;
  margin-bottom: 8px;
}
.phone-step-dot {
  flex: 1;
  height: 4px;
  background: rgba(10, 22, 40, 0.1);
  border-radius: 2px;
}
.phone-step-done {
  background: var(--prism-success);
}
.phone-step-active {
  background: var(--prism-gold);
  box-shadow: 0 0 8px rgba(201, 162, 85, 0.4);
}
.phone-step-label {
  font-size: 10px;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: rgba(10, 22, 40, 0.55);
  font-family: var(--prism-font-sans);
  font-weight: 500;
  margin-bottom: 18px;
}

/* Loan offer card */
.phone-offer-card {
  background: linear-gradient(145deg, #ffffff 0%, #faf5ea 100%);
  border: 1px solid rgba(201, 162, 85, 0.3);
  border-radius: 16px;
  padding: 16px 18px;
  margin-bottom: 14px;
  box-shadow: 0 4px 16px rgba(10, 22, 40, 0.06);
}
.phone-offer-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 7px 0;
  font-family: var(--prism-font-sans);
}
.phone-offer-key {
  font-size: 11px;
  color: rgba(10, 22, 40, 0.6);
  letter-spacing: 0.3px;
}
.phone-offer-val {
  font-family: var(--prism-font-serif);
  font-size: 14px;
  color: var(--prism-navy);
  font-weight: 600;
}
.phone-offer-val-gold {
  color: var(--prism-gold-dark) !important;
  font-size: 18px !important;
  font-style: italic;
}
.phone-offer-divider {
  height: 1px;
  background: rgba(10, 22, 40, 0.08);
  margin: 4px 0;
}

/* Status pills */
.phone-status-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
  margin-bottom: 16px;
}
.phone-status-pill {
  background: rgba(127, 195, 143, 0.12);
  border: 1px solid rgba(127, 195, 143, 0.3);
  border-radius: 10px;
  padding: 8px 10px;
  display: flex;
  align-items: center;
  gap: 6px;
}
.phone-status-pill:nth-child(2) {
  background: rgba(201, 162, 85, 0.12);
  border-color: rgba(201, 162, 85, 0.3);
}
.phone-status-icon {
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--prism-success);
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 10px;
  font-weight: 700;
  flex-shrink: 0;
}
.phone-status-pill:nth-child(2) .phone-status-icon {
  background: var(--prism-gold);
  color: var(--prism-navy);
}
.phone-status-text {
  font-size: 10px;
  font-weight: 600;
  color: var(--prism-navy);
  font-family: var(--prism-font-sans);
  letter-spacing: 0.2px;
}

/* CTA button on phone */
.phone-cta {
  background: linear-gradient(135deg, var(--prism-gold), var(--prism-gold-light));
  color: var(--prism-navy);
  border-radius: 14px;
  padding: 14px 18px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-family: var(--prism-font-sans);
  font-weight: 700;
  font-size: 13px;
  letter-spacing: 0.5px;
  box-shadow: 0 8px 24px rgba(201, 162, 85, 0.4);
  margin-bottom: 10px;
  animation: phone-cta-pulse 2.4s ease-in-out infinite;
}
@keyframes phone-cta-pulse {
  0%, 100% { box-shadow: 0 8px 24px rgba(201, 162, 85, 0.4); }
  50% { box-shadow: 0 8px 32px rgba(201, 162, 85, 0.65); }
}
.phone-cta-arrow {
  font-size: 16px;
  transition: transform 0.3s;
}
.phone-frame:hover .phone-cta-arrow {
  transform: translateX(4px);
}

/* Secured note */
.phone-secured {
  text-align: center;
  font-size: 9px;
  color: rgba(10, 22, 40, 0.45);
  font-family: var(--prism-font-sans);
  letter-spacing: 0.5px;
}

/* Floating badges around phone */
.phone-float-badge {
  position: absolute;
  z-index: 5;
  background: linear-gradient(135deg, rgba(245, 239, 228, 0.97), rgba(245, 239, 228, 0.92));
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid rgba(201, 162, 85, 0.3);
  border-radius: 16px;
  padding: 12px 16px;
  display: flex;
  align-items: center;
  gap: 10px;
  box-shadow: 0 20px 50px rgba(10, 22, 40, 0.25), 0 0 0 1px rgba(245, 239, 228, 0.5) inset;
  font-family: var(--prism-font-sans);
}

.phone-badge-funded {
  top: 80px;
  right: 0;
  transform: rotate(4deg);
  animation: badge-float-1 5s ease-in-out infinite;
}
.phone-badge-bbb {
  bottom: 100px;
  left: 0;
  transform: rotate(-3deg);
  animation: badge-float-2 6s ease-in-out infinite;
}

@keyframes badge-float-1 {
  0%, 100% { transform: rotate(4deg) translateY(0); }
  50% { transform: rotate(4deg) translateY(-8px); }
}
@keyframes badge-float-2 {
  0%, 100% { transform: rotate(-3deg) translateY(0); }
  50% { transform: rotate(-3deg) translateY(8px); }
}

.phone-float-badge-icon {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--prism-success);
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  font-weight: 700;
  flex-shrink: 0;
  box-shadow: 0 4px 12px rgba(127, 195, 143, 0.4);
}
.phone-float-badge-title {
  font-size: 12px;
  font-weight: 700;
  color: var(--prism-navy);
  letter-spacing: 0.2px;
  font-family: var(--prism-font-sans);
}
.phone-float-badge-sub {
  font-size: 10px;
  color: rgba(10, 22, 40, 0.55);
  letter-spacing: 0.3px;
  font-family: var(--prism-font-sans);
}

/* ============ HIW STEPS (right column) ============ */
.hiw-content .eyebrow {
  background: rgba(201, 162, 85, 0.1);
  color: var(--prism-gold-dark);
  border: 1px solid rgba(201, 162, 85, 0.3);
}
.hiw-content h2 {
  color: var(--prism-navy);
}
.hiw-content h2 em {
  color: var(--prism-gold-dark);
  font-style: italic;
}

.hiw-steps {
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.hiw-step {
  background: linear-gradient(135deg, rgba(255, 255, 255, 0.7), rgba(245, 239, 228, 0.5));
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border: 1px solid rgba(10, 22, 40, 0.06);
  border-radius: 16px;
  padding: 22px 26px;
  display: flex;
  gap: 22px;
  align-items: flex-start;
  transition: all 0.3s ease;
  position: relative;
  overflow: hidden;
}
.hiw-step:hover {
  transform: translateX(6px);
  border-color: rgba(201, 162, 85, 0.3);
  box-shadow: 0 10px 30px rgba(10, 22, 40, 0.08);
}

.hiw-step-active {
  background: linear-gradient(135deg, rgba(201, 162, 85, 0.12), rgba(201, 162, 85, 0.04));
  border-color: rgba(201, 162, 85, 0.4);
  box-shadow: 0 10px 30px rgba(201, 162, 85, 0.12);
}
.hiw-step-active::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0;
  bottom: 0;
  width: 3px;
  background: linear-gradient(180deg, var(--prism-gold), var(--prism-gold-light));
}

.hiw-step-num {
  font-family: var(--prism-font-serif);
  font-size: 38px;
  font-style: italic;
  color: var(--prism-gold);
  font-weight: 500;
  line-height: 1;
  flex-shrink: 0;
  min-width: 50px;
  letter-spacing: -1px;
}
.hiw-step-active .hiw-step-num {
  color: var(--prism-gold-dark);
}

.hiw-step-body {
  flex: 1;
}
.hiw-step-title {
  font-family: var(--prism-font-serif);
  font-size: 22px;
  font-weight: 600;
  color: var(--prism-navy);
  margin: 0 0 6px;
  line-height: 1.2;
}
.hiw-step-desc {
  font-size: 14px;
  color: rgba(10, 22, 40, 0.65);
  line-height: 1.6;
  margin: 0 0 10px;
}
.hiw-step-meta {
  display: inline-block;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.5px;
  color: var(--prism-gold-dark);
  background: rgba(201, 162, 85, 0.1);
  padding: 4px 10px;
  border-radius: 12px;
  font-family: var(--prism-font-sans);
}

/* Btn-secondary in light section */
.hiw-content .btn-secondary {
  background: rgba(10, 22, 40, 0.04);
  color: var(--prism-navy);
  border: 1px solid rgba(10, 22, 40, 0.15);
}
.hiw-content .btn-secondary:hover {
  background: rgba(10, 22, 40, 0.08);
  border-color: var(--prism-gold);
  color: var(--prism-navy);
}

/* ============ PRODUCT GRID — IMAGE CARDS (Loan Products section) ============ */
.products-section::before {
  content: '';
  position: absolute;
  top: -200px;
  right: -150px;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(201, 162, 85, 0.12) 0%, transparent 60%);
  pointer-events: none;
  z-index: 0;
}
.products-section::after {
  content: '';
  position: absolute;
  bottom: -250px;
  left: -150px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(201, 162, 85, 0.08) 0%, transparent 60%);
  pointer-events: none;
  z-index: 0;
}

.products-section .eyebrow {
  background: rgba(201, 162, 85, 0.1);
  color: var(--prism-gold-dark);
  border-color: rgba(201, 162, 85, 0.3);
}
.products-section h2 em {
  color: var(--prism-gold-dark) !important;
  font-style: italic;
}

/* Grid layouts: top 3, bottom 4 */
.products-grid-top {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-bottom: 24px;
}
.products-grid-bottom {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

/* Image card */
.product-img-card {
  position: relative;
  background: #fff;
  border-radius: var(--prism-radius-lg);
  overflow: hidden;
  text-decoration: none;
  color: var(--prism-navy);
  display: flex;
  flex-direction: column;
  transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  box-shadow: 0 10px 30px rgba(10, 22, 40, 0.08);
  border: 1px solid rgba(10, 22, 40, 0.06);
}

.product-img-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 30px 60px rgba(10, 22, 40, 0.15), 0 0 0 1px var(--prism-gold-30);
  border-color: var(--prism-gold-40);
  color: var(--prism-navy);
}

/* Image wrapper with overlay */
.product-img-wrapper {
  position: relative;
  width: 100%;
  height: 200px;
  overflow: hidden;
  background: var(--prism-navy);
}

.products-grid-top .product-img-wrapper {
  height: 240px;
}

.product-img-wrapper img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.6s ease;
  display: block;
}

.product-img-card:hover .product-img-wrapper img {
  transform: scale(1.08);
}

.product-img-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(10, 22, 40, 0.15) 0%, rgba(10, 22, 40, 0.65) 100%);
  pointer-events: none;
}

/* Number badge on image */
.product-img-num {
  position: absolute;
  top: 16px;
  left: 18px;
  font-family: var(--prism-font-serif);
  font-size: 26px;
  font-style: italic;
  color: var(--prism-cream);
  font-weight: 500;
  text-shadow: 0 2px 8px rgba(0, 0, 0, 0.4);
  letter-spacing: -0.5px;
  z-index: 2;
}

/* "Most Popular" tag */
.product-img-badge {
  position: absolute;
  top: 18px;
  right: 18px;
  background: var(--prism-gold);
  color: var(--prism-navy);
  padding: 6px 14px;
  border-radius: var(--prism-radius-pill);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  font-family: var(--prism-font-sans);
  z-index: 2;
  box-shadow: 0 6px 20px rgba(201, 162, 85, 0.4);
}

/* Body content below image */
.product-img-body {
  padding: 22px 24px 24px;
  display: flex;
  flex-direction: column;
  flex: 1;
  gap: 10px;
}

.products-grid-top .product-img-body {
  padding: 26px 26px 26px;
}

.product-img-title {
  font-family: var(--prism-font-serif);
  font-size: 22px;
  font-weight: 600;
  color: var(--prism-navy);
  line-height: 1.2;
  letter-spacing: -0.3px;
  margin: 0;
}

.products-grid-top .product-img-title {
  font-size: 24px;
}

.product-img-desc {
  font-size: 13px;
  color: rgba(10, 22, 40, 0.65);
  line-height: 1.6;
  margin: 0;
  opacity: 1;
  flex: 1;
}

.products-grid-top .product-img-desc {
  font-size: 14px;
}

.product-img-specs {
  margin-top: auto;
  padding-top: 12px;
  border-top: 1px solid rgba(10, 22, 40, 0.08);
}

.product-img-specs span {
  font-family: var(--prism-font-serif);
  font-size: 13px;
  color: var(--prism-gold-dark);
  font-style: italic;
  font-weight: 500;
}

.product-img-specs strong {
  color: var(--prism-navy);
  font-style: normal;
  font-weight: 700;
}

.product-img-cta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-top: 8px;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--prism-gold-dark);
  font-family: var(--prism-font-sans);
}

.product-img-arrow {
  font-size: 16px;
  transition: transform 0.3s;
  display: inline-block;
}

.product-img-card:hover .product-img-arrow {
  transform: translateX(6px);
}

/* Trust signals row */
.products-trust-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-top: 60px;
  padding-top: 40px;
  border-top: 1px solid rgba(10, 22, 40, 0.1);
  position: relative;
  z-index: 2;
}

.products-trust-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 6px;
}
.products-trust-num {
  font-family: var(--prism-font-serif);
  font-size: 32px;
  font-style: italic;
  color: var(--prism-gold-dark);
  font-weight: 500;
  line-height: 1;
  letter-spacing: -0.5px;
}
.products-trust-num span {
  font-size: 16px;
  margin-left: 1px;
  color: var(--prism-gold);
}
.products-trust-label {
  font-size: 11px;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: rgba(10, 22, 40, 0.55);
  font-family: var(--prism-font-sans);
  font-weight: 500;
}

/* ============ BORROWER SEGMENTS — Card Grid ============ */
.segments-section {
  padding: 100px 0;
  position: relative;
  overflow: hidden;
}
.segments-section::before {
  content: '';
  position: absolute;
  top: -150px;
  left: -100px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(201, 162, 85, 0.1) 0%, transparent 60%);
  pointer-events: none;
}
.segments-section::after {
  content: '';
  position: absolute;
  bottom: -150px;
  right: -100px;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(201, 162, 85, 0.06) 0%, transparent 60%);
  pointer-events: none;
}

.segments-header {
  text-align: center;
  margin-bottom: 60px;
  position: relative;
  z-index: 2;
}
.segments-header .eyebrow {
  margin-bottom: 0;
}
.segments-header h2 em {
  color: var(--prism-gold-dark);
  font-style: italic;
}

.segments-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  position: relative;
  z-index: 2;
  margin-bottom: 50px;
}

.segment-card {
  background: linear-gradient(135deg, rgba(255, 255, 255, 0.9), rgba(245, 239, 228, 0.7));
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border: 1px solid rgba(10, 22, 40, 0.08);
  border-radius: var(--prism-radius-lg);
  padding: 32px 28px;
  display: flex;
  flex-direction: column;
  gap: 14px;
  transition: all 0.4s ease;
  position: relative;
  overflow: hidden;
  box-shadow: 0 8px 24px rgba(10, 22, 40, 0.05);
}

.segment-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--prism-gold), var(--prism-gold-light), var(--prism-gold));
  opacity: 0;
  transition: opacity 0.4s;
}

.segment-card:hover {
  transform: translateY(-6px);
  border-color: var(--prism-gold-40);
  box-shadow: 0 24px 50px rgba(10, 22, 40, 0.12), 0 0 0 1px rgba(201, 162, 85, 0.2);
}

.segment-card:hover::before {
  opacity: 1;
}

.segment-icon {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--prism-gold), var(--prism-gold-light));
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--prism-navy);
  font-family: var(--prism-font-serif);
  font-size: 28px;
  font-weight: 600;
  line-height: 1;
  box-shadow: 0 8px 20px rgba(201, 162, 85, 0.3);
}

.segment-tag {
  display: inline-flex;
  align-items: center;
  align-self: flex-start;
  background: rgba(10, 22, 40, 0.06);
  color: var(--prism-navy);
  padding: 5px 12px;
  border-radius: var(--prism-radius-pill);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  font-family: var(--prism-font-sans);
}

.segment-title {
  font-family: var(--prism-font-serif);
  font-size: 22px;
  font-weight: 600;
  color: var(--prism-navy);
  line-height: 1.2;
  letter-spacing: -0.3px;
  margin: 0;
}

.segment-desc {
  font-size: 14px;
  color: rgba(10, 22, 40, 0.7);
  line-height: 1.65;
  margin: 0;
  flex: 1;
}

.segment-benefit {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-top: auto;
  padding: 14px 16px;
  background: rgba(201, 162, 85, 0.08);
  border: 1px solid rgba(201, 162, 85, 0.2);
  border-radius: var(--prism-radius-md);
}

.segment-benefit-icon {
  flex-shrink: 0;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--prism-gold);
  color: var(--prism-navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 11px;
  font-weight: 700;
  margin-top: 1px;
}

.segment-benefit-text {
  font-size: 12px;
  color: var(--prism-navy);
  font-weight: 600;
  letter-spacing: 0.2px;
  font-family: var(--prism-font-sans);
  line-height: 1.4;
}

.segments-cta {
  text-align: center;
  position: relative;
  z-index: 2;
  padding-top: 30px;
  border-top: 1px solid rgba(10, 22, 40, 0.1);
}

/* ============ ELIGIBILITY SECTION ============ */
.eligibility-section {
  padding: 100px 0;
  position: relative;
  overflow: hidden;
}
.eligibility-section::before {
  content: '';
  position: absolute;
  top: -150px;
  right: -100px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(201, 162, 85, 0.08) 0%, transparent 60%);
  pointer-events: none;
}
.eligibility-section::after {
  content: '';
  position: absolute;
  bottom: -150px;
  left: -100px;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(201, 162, 85, 0.06) 0%, transparent 60%);
  pointer-events: none;
}

.eligibility-header {
  text-align: center;
  margin-bottom: 56px;
  position: relative;
  z-index: 2;
}
.eligibility-header h2 em {
  color: var(--prism-gold-dark);
  font-style: italic;
}

/* Two-column grid for cards 01 and 02 */
.eligibility-grid {
  display: grid;
  grid-template-columns: 1fr 1.15fr;
  gap: 28px;
  margin-bottom: 40px;
  position: relative;
  z-index: 2;
}

.eligibility-card {
  background: linear-gradient(135deg, rgba(255, 255, 255, 0.95), rgba(245, 239, 228, 0.7));
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border: 1px solid rgba(10, 22, 40, 0.08);
  border-radius: var(--prism-radius-lg);
  padding: 36px 34px;
  box-shadow: 0 10px 30px rgba(10, 22, 40, 0.06);
  position: relative;
  overflow: hidden;
}

.eligibility-card-primary {
  background: linear-gradient(135deg, rgba(255, 255, 255, 1), rgba(245, 239, 228, 0.85));
  border-color: rgba(201, 162, 85, 0.25);
  box-shadow: 0 15px 40px rgba(10, 22, 40, 0.1);
}
.eligibility-card-primary::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--prism-gold), var(--prism-gold-light), var(--prism-gold));
}

.eligibility-card-header {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-bottom: 22px;
  padding-bottom: 22px;
  border-bottom: 1px solid rgba(10, 22, 40, 0.08);
}

.eligibility-card-num {
  flex-shrink: 0;
  width: 50px;
  height: 50px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--prism-gold), var(--prism-gold-light));
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--prism-navy);
  font-family: var(--prism-font-serif);
  font-size: 20px;
  font-weight: 600;
  font-style: italic;
  box-shadow: 0 6px 18px rgba(201, 162, 85, 0.3);
}

.eligibility-card-label {
  font-size: 11px;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--prism-gold-dark);
  font-weight: 600;
  margin-bottom: 4px;
  font-family: var(--prism-font-sans);
}

.eligibility-card-title {
  font-family: var(--prism-font-serif);
  font-size: 24px;
  font-weight: 600;
  color: var(--prism-navy);
  line-height: 1.2;
  letter-spacing: -0.3px;
  margin: 0;
}

/* Checklist */
.eligibility-checklist {
  list-style: none;
  margin: 0;
  padding: 0;
}
.eligibility-checklist li {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 12px 0;
  border-bottom: 1px solid rgba(10, 22, 40, 0.06);
  font-size: 14px;
  margin: 0;
}
.eligibility-checklist li:last-child {
  border-bottom: none;
}
.eligibility-checklist .check-icon {
  flex-shrink: 0;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--prism-success);
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
  font-weight: 700;
  margin-top: 1px;
}
.eligibility-checklist li > div {
  flex: 1;
}
.eligibility-checklist strong {
  display: block;
  font-size: 14px;
  font-weight: 600;
  color: var(--prism-navy);
  line-height: 1.4;
}
.eligibility-checklist small {
  display: block;
  font-size: 12px;
  color: rgba(10, 22, 40, 0.55);
  margin-top: 2px;
  font-weight: 400;
  font-family: var(--prism-font-sans);
}

/* Documents grid */
.doc-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
}
.doc-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 14px 16px;
  background: rgba(245, 239, 228, 0.5);
  border: 1px solid rgba(10, 22, 40, 0.06);
  border-radius: var(--prism-radius-md);
  transition: all 0.3s;
}
.doc-item:hover {
  background: rgba(255, 255, 255, 0.7);
  border-color: rgba(201, 162, 85, 0.3);
  transform: translateY(-2px);
}
.doc-icon {
  font-size: 22px;
  flex-shrink: 0;
  line-height: 1;
}
.doc-text {
  font-size: 13px;
  font-weight: 600;
  color: var(--prism-navy);
  line-height: 1.3;
}
.doc-text small {
  display: block;
  font-size: 11px;
  color: rgba(10, 22, 40, 0.55);
  margin-top: 3px;
  font-weight: 400;
  font-family: var(--prism-font-sans);
}

/* Block 03 — Application Info */
.eligibility-info-block {
  background: linear-gradient(135deg, rgba(255, 255, 255, 0.95), rgba(245, 239, 228, 0.7));
  border: 1px solid rgba(10, 22, 40, 0.08);
  border-radius: var(--prism-radius-lg);
  padding: 40px 36px;
  margin-bottom: 40px;
  box-shadow: 0 10px 30px rgba(10, 22, 40, 0.06);
  position: relative;
  z-index: 2;
}

.eligibility-info-header {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-bottom: 30px;
  padding-bottom: 24px;
  border-bottom: 1px solid rgba(10, 22, 40, 0.08);
}

.eligibility-info-desc {
  font-size: 14px;
  color: rgba(10, 22, 40, 0.65);
  line-height: 1.6;
  margin: 8px 0 0;
  max-width: 600px;
}

.info-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}
.info-item {
  padding: 20px 22px;
  background: rgba(245, 239, 228, 0.5);
  border: 1px solid rgba(10, 22, 40, 0.06);
  border-radius: var(--prism-radius-md);
  transition: all 0.3s;
}
.info-item:hover {
  background: rgba(255, 255, 255, 0.85);
  border-color: rgba(201, 162, 85, 0.3);
  transform: translateY(-3px);
  box-shadow: 0 8px 20px rgba(10, 22, 40, 0.08);
}
.info-item-icon {
  font-family: var(--prism-font-serif);
  font-size: 26px;
  color: var(--prism-gold-dark);
  font-style: italic;
  font-weight: 500;
  line-height: 1;
  margin-bottom: 10px;
}
.info-item-title {
  font-family: var(--prism-font-serif);
  font-size: 18px;
  font-weight: 600;
  color: var(--prism-navy);
  margin: 0 0 6px;
  line-height: 1.2;
}
.info-item-text {
  font-size: 13px;
  color: rgba(10, 22, 40, 0.65);
  line-height: 1.6;
  margin: 0;
}

/* CTA bar at bottom */
.eligibility-cta {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 24px;
  flex-wrap: wrap;
  padding: 30px;
  background: linear-gradient(135deg, rgba(201, 162, 85, 0.1), rgba(201, 162, 85, 0.03));
  border: 1px solid rgba(201, 162, 85, 0.25);
  border-radius: var(--prism-radius-lg);
  position: relative;
  z-index: 2;
}
.eligibility-cta-text {
  text-align: left;
}
.eligibility-cta-label {
  font-size: 11px;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--prism-gold-dark);
  font-weight: 600;
  margin-bottom: 4px;
  font-family: var(--prism-font-sans);
}
.eligibility-cta-value {
  font-family: var(--prism-font-serif);
  font-size: 24px;
  font-style: italic;
  font-weight: 500;
  color: var(--prism-navy);
  line-height: 1;
}

/* ============ TRUST SECTION (Expanded) ============ */
.trust-section {
  padding: 100px 0;
  position: relative;
  overflow: hidden;
}
.trust-section::before {
  content: '';
  position: absolute;
  top: -100px;
  right: -100px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(201, 162, 85, 0.1) 0%, transparent 60%);
  pointer-events: none;
}

.trust-header {
  text-align: center;
  margin-bottom: 56px;
  position: relative;
  z-index: 2;
}
.trust-header h2 em {
  color: var(--prism-gold-dark);
  font-style: italic;
}

.trust-grid {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 32px;
  position: relative;
  z-index: 2;
}

/* Verdict card (left) */
.trust-verdict-card {
  background: linear-gradient(135deg, rgba(255, 255, 255, 0.95), rgba(245, 239, 228, 0.85));
  border: 1px solid rgba(201, 162, 85, 0.25);
  border-radius: var(--prism-radius-lg);
  padding: 40px 36px;
  position: relative;
  overflow: hidden;
  box-shadow: 0 15px 40px rgba(10, 22, 40, 0.08);
}
.trust-verdict-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--prism-gold), var(--prism-gold-light), var(--prism-gold));
}

.trust-score-badge {
  display: inline-flex;
  align-items: baseline;
  gap: 4px;
  padding: 8px 18px;
  background: linear-gradient(135deg, var(--prism-gold), var(--prism-gold-light));
  border-radius: var(--prism-radius-pill);
  color: var(--prism-navy);
  font-family: var(--prism-font-serif);
  font-weight: 600;
  margin-bottom: 14px;
  box-shadow: 0 8px 20px rgba(201, 162, 85, 0.3);
}
.trust-score-num {
  font-size: 24px;
  font-style: italic;
  line-height: 1;
}
.trust-score-out {
  font-size: 14px;
  opacity: 0.7;
}

.trust-stars {
  font-size: 22px;
  color: var(--prism-gold);
  letter-spacing: 4px;
  margin-bottom: 14px;
  text-shadow: 0 2px 8px rgba(201, 162, 85, 0.3);
}

.trust-verdict-title {
  font-family: var(--prism-font-serif);
  font-size: 24px;
  font-weight: 600;
  color: var(--prism-navy);
  line-height: 1.3;
  margin: 0 0 14px;
}
.trust-verdict-text {
  font-size: 14px;
  color: rgba(10, 22, 40, 0.7);
  line-height: 1.7;
  margin: 0 0 24px;
}

.trust-verdict-highlights {
  display: flex;
  flex-direction: column;
  gap: 10px;
  padding-top: 20px;
  border-top: 1px solid rgba(10, 22, 40, 0.1);
}

.trust-highlight-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
}
.trust-highlight-check {
  flex-shrink: 0;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--prism-success);
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
  font-weight: 700;
  margin-top: 1px;
}
.trust-highlight-item strong {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--prism-navy);
}
.trust-highlight-item small {
  display: block;
  font-size: 12px;
  color: rgba(10, 22, 40, 0.55);
  margin-top: 2px;
  font-family: var(--prism-font-sans);
}

/* Scores card (right) */
.trust-scores-card {
  background: linear-gradient(135deg, rgba(255, 255, 255, 0.95), rgba(245, 239, 228, 0.7));
  border: 1px solid rgba(10, 22, 40, 0.08);
  border-radius: var(--prism-radius-lg);
  padding: 36px 32px;
  box-shadow: 0 10px 30px rgba(10, 22, 40, 0.06);
}

.trust-scores-header {
  padding-bottom: 18px;
  border-bottom: 1px solid rgba(10, 22, 40, 0.1);
  margin-bottom: 24px;
}
.trust-scores-label {
  font-family: var(--prism-font-serif);
  font-size: 20px;
  font-weight: 600;
  color: var(--prism-navy);
  margin-bottom: 4px;
}
.trust-scores-method {
  font-size: 11px;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: rgba(10, 22, 40, 0.5);
  font-family: var(--prism-font-sans);
}

.trust-criterion {
  margin-bottom: 18px;
}
.trust-criterion-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 6px;
}
.trust-criterion-name {
  font-size: 14px;
  font-weight: 600;
  color: var(--prism-navy);
}
.trust-criterion-score {
  font-family: var(--prism-font-serif);
  font-size: 15px;
  font-style: italic;
  color: var(--prism-gold-dark);
  font-weight: 600;
}
.trust-criterion-bar {
  height: 6px;
  background: rgba(10, 22, 40, 0.06);
  border-radius: 3px;
  overflow: hidden;
}
.trust-criterion-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--prism-gold), var(--prism-gold-light));
  border-radius: 3px;
  box-shadow: 0 2px 6px rgba(201, 162, 85, 0.3);
}
.trust-criterion-weight {
  font-size: 10px;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: rgba(10, 22, 40, 0.45);
  margin-top: 4px;
  font-family: var(--prism-font-sans);
}

.trust-overall {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 24px;
  padding-top: 20px;
  border-top: 2px solid rgba(201, 162, 85, 0.3);
  font-family: var(--prism-font-sans);
}
.trust-overall > span:first-child {
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: var(--prism-navy);
}
.trust-overall-score {
  font-family: var(--prism-font-serif);
  font-size: 32px;
  font-style: italic;
  font-weight: 600;
  color: var(--prism-gold-dark);
  line-height: 1;
}

/* ============ TESTIMONIALS SECTION ============ */
.testimonials-section {
  padding: 100px 0;
  position: relative;
  overflow: hidden;
}
.testimonials-section::before {
  content: '';
  position: absolute;
  top: 50%;
  left: -200px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(201, 162, 85, 0.06) 0%, transparent 60%);
  pointer-events: none;
}

.testimonials-header {
  text-align: center;
  margin-bottom: 56px;
  position: relative;
  z-index: 2;
}
.testimonials-header h2 em {
  color: var(--prism-gold-dark);
  font-style: italic;
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-bottom: 50px;
  position: relative;
  z-index: 2;
}

.testimonial-card {
  background: linear-gradient(135deg, rgba(255, 255, 255, 0.95), rgba(245, 239, 228, 0.7));
  border: 1px solid rgba(10, 22, 40, 0.08);
  border-radius: var(--prism-radius-lg);
  padding: 32px 30px;
  position: relative;
  overflow: hidden;
  box-shadow: 0 10px 30px rgba(10, 22, 40, 0.06);
  transition: all 0.4s ease;
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.testimonial-card:hover {
  transform: translateY(-6px);
  border-color: var(--prism-gold-40);
  box-shadow: 0 24px 50px rgba(10, 22, 40, 0.12);
}

.testimonial-stars {
  font-size: 18px;
  color: var(--prism-gold);
  letter-spacing: 3px;
  text-shadow: 0 2px 6px rgba(201, 162, 85, 0.25);
}

.testimonial-quote-mark {
  position: absolute;
  top: 12px;
  right: 24px;
  font-family: var(--prism-font-serif);
  font-size: 96px;
  color: rgba(201, 162, 85, 0.15);
  line-height: 1;
  font-style: italic;
}

.testimonial-text {
  font-size: 14px;
  color: rgba(10, 22, 40, 0.75);
  line-height: 1.7;
  margin: 0;
  flex: 1;
  font-style: italic;
  position: relative;
  z-index: 1;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-top: auto;
  padding-top: 16px;
  border-top: 1px solid rgba(10, 22, 40, 0.08);
}

.testimonial-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--prism-font-serif);
  font-size: 20px;
  font-weight: 600;
  font-style: italic;
  flex-shrink: 0;
  box-shadow: 0 4px 12px rgba(10, 22, 40, 0.1);
}

.testimonial-info {
  flex: 1;
}
.testimonial-name {
  font-size: 14px;
  font-weight: 700;
  color: var(--prism-navy);
  font-family: var(--prism-font-sans);
}
.testimonial-meta {
  font-size: 11px;
  letter-spacing: 0.5px;
  color: rgba(10, 22, 40, 0.55);
  margin-top: 2px;
  font-family: var(--prism-font-sans);
}

.testimonials-cta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
  padding: 28px 36px;
  background: linear-gradient(135deg, rgba(201, 162, 85, 0.1), rgba(201, 162, 85, 0.03));
  border: 1px solid rgba(201, 162, 85, 0.25);
  border-radius: var(--prism-radius-lg);
  position: relative;
  z-index: 2;
}

.testimonials-trust {
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.testimonials-trust-num {
  font-family: var(--prism-font-serif);
  font-size: 28px;
  font-style: italic;
  font-weight: 600;
  color: var(--prism-navy);
  line-height: 1;
}
.testimonials-trust-stars {
  font-size: 14px;
  color: var(--prism-gold);
  letter-spacing: 2px;
}
.testimonials-trust-label {
  font-size: 12px;
  letter-spacing: 0.5px;
  color: rgba(10, 22, 40, 0.6);
  font-family: var(--prism-font-sans);
}

/* ============ CALCULATOR SECTION ============ */
.calculator-section {
  padding: 100px 0;
  position: relative;
  overflow: hidden;
}
.calculator-section::before {
  content: '';
  position: absolute;
  top: -150px;
  right: -100px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(201, 162, 85, 0.08) 0%, transparent 60%);
  pointer-events: none;
}

.calculator-header {
  text-align: center;
  margin-bottom: 56px;
  position: relative;
  z-index: 2;
}
.calculator-header h2 em {
  color: var(--prism-gold-dark);
  font-style: italic;
}

.calculator-card {
  background: linear-gradient(135deg, rgba(255, 255, 255, 0.95), rgba(245, 239, 228, 0.7));
  border: 1px solid rgba(10, 22, 40, 0.08);
  border-radius: var(--prism-radius-lg);
  padding: 44px 40px;
  box-shadow: 0 15px 40px rgba(10, 22, 40, 0.08);
  position: relative;
  z-index: 2;
  margin-bottom: 28px;
}

.calculator-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 50px;
  align-items: center;
}

/* Inputs (left) */
.calculator-inputs {
  display: flex;
  flex-direction: column;
  gap: 28px;
}

.calc-input-group {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.calc-input-header {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
}
.calc-label {
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: var(--prism-navy);
  font-family: var(--prism-font-sans);
}

.calc-value-display {
  display: flex;
  align-items: baseline;
  gap: 2px;
  font-family: var(--prism-font-serif);
  font-size: 24px;
  font-style: italic;
  font-weight: 600;
  color: var(--prism-gold-dark);
}
.calc-currency, .calc-unit {
  font-size: 14px;
  opacity: 0.7;
  margin-left: 4px;
}
.calc-currency { margin-right: 1px; margin-left: 0; }

/* Custom slider */
.calc-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  background: rgba(10, 22, 40, 0.1);
  border-radius: 3px;
  outline: none;
  cursor: pointer;
}
.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--prism-gold), var(--prism-gold-light));
  cursor: pointer;
  box-shadow: 0 4px 12px rgba(201, 162, 85, 0.4), 0 0 0 4px rgba(245, 239, 228, 0.5);
  border: 2px solid #fff;
  transition: transform 0.2s;
}
.calc-slider::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}
.calc-slider::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--prism-gold), var(--prism-gold-light));
  cursor: pointer;
  box-shadow: 0 4px 12px rgba(201, 162, 85, 0.4);
  border: 2px solid #fff;
}

.calc-range-labels {
  display: flex;
  justify-content: space-between;
  font-size: 11px;
  color: rgba(10, 22, 40, 0.45);
  letter-spacing: 0.5px;
  font-family: var(--prism-font-sans);
  font-weight: 500;
}

.calc-disclaimer {
  padding: 14px 16px;
  background: rgba(10, 22, 40, 0.04);
  border-radius: var(--prism-radius-md);
  border-left: 3px solid rgba(201, 162, 85, 0.4);
}
.calc-disclaimer small {
  font-size: 11px;
  color: rgba(10, 22, 40, 0.6);
  line-height: 1.5;
  font-family: var(--prism-font-sans);
}

/* Results (right) */
.calculator-results {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.calc-result-main {
  text-align: center;
  padding: 30px 24px;
  background: linear-gradient(135deg, var(--prism-navy) 0%, #1a2f54 100%);
  color: var(--prism-cream);
  border-radius: var(--prism-radius-lg);
  position: relative;
  overflow: hidden;
  box-shadow: 0 12px 30px rgba(10, 22, 40, 0.2);
}
.calc-result-main::before {
  content: '';
  position: absolute;
  top: -50px;
  right: -50px;
  width: 200px;
  height: 200px;
  background: radial-gradient(circle, rgba(201, 162, 85, 0.2) 0%, transparent 60%);
  pointer-events: none;
}

.calc-result-label {
  font-size: 11px;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: rgba(245, 239, 228, 0.7);
  margin-bottom: 10px;
  font-family: var(--prism-font-sans);
  font-weight: 600;
  position: relative;
}

.calc-result-value {
  font-family: var(--prism-font-serif);
  font-size: 56px;
  font-weight: 600;
  font-style: italic;
  color: var(--prism-gold);
  line-height: 1;
  letter-spacing: -1px;
  margin-bottom: 8px;
  position: relative;
}
.calc-result-currency {
  font-size: 32px;
  opacity: 0.8;
  margin-right: 2px;
}

.calc-result-sub {
  font-size: 13px;
  color: rgba(245, 239, 228, 0.65);
  font-family: var(--prism-font-sans);
  position: relative;
}

.calc-result-breakdown {
  display: flex;
  flex-direction: column;
  gap: 0;
  padding: 18px 20px;
  background: rgba(245, 239, 228, 0.5);
  border: 1px solid rgba(10, 22, 40, 0.06);
  border-radius: var(--prism-radius-md);
}

.calc-breakdown-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 0;
  border-bottom: 1px solid rgba(10, 22, 40, 0.06);
  font-family: var(--prism-font-sans);
}
.calc-breakdown-row:last-child {
  border-bottom: none;
}
.calc-breakdown-total {
  border-top: 2px solid rgba(201, 162, 85, 0.3);
  margin-top: 4px;
  padding-top: 14px;
}

.calc-breakdown-key {
  font-size: 12px;
  letter-spacing: 0.5px;
  color: rgba(10, 22, 40, 0.6);
  text-transform: uppercase;
  font-weight: 600;
}
.calc-breakdown-val {
  font-family: var(--prism-font-serif);
  font-size: 17px;
  font-weight: 600;
  font-style: italic;
  color: var(--prism-navy);
}
.calc-val-gold {
  color: var(--prism-gold-dark) !important;
}
.calc-val-navy {
  color: var(--prism-navy) !important;
  font-size: 22px !important;
  font-weight: 700 !important;
}
.calc-currency-sm {
  font-size: 13px;
  opacity: 0.7;
  margin-right: 1px;
}

.calc-result-cta {
  display: flex;
  flex-direction: column;
  gap: 8px;
  align-items: center;
}
.calc-result-note {
  font-size: 11px;
  letter-spacing: 0.5px;
  color: rgba(10, 22, 40, 0.55);
  text-align: center;
  margin: 0;
  font-family: var(--prism-font-sans);
}

/* Educational note */
.calc-note {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 22px 26px;
  background: linear-gradient(135deg, rgba(201, 162, 85, 0.08), rgba(201, 162, 85, 0.02));
  border: 1px solid rgba(201, 162, 85, 0.2);
  border-radius: var(--prism-radius-lg);
  position: relative;
  z-index: 2;
}
.calc-note-icon {
  font-size: 26px;
  line-height: 1;
  flex-shrink: 0;
}
.calc-note-text {
  font-size: 13px;
  color: rgba(10, 22, 40, 0.7);
  line-height: 1.7;
  font-family: var(--prism-font-sans);
}
.calc-note-text strong {
  color: var(--prism-navy);
  font-weight: 700;
}

/* ============ COST TRANSPARENCY SECTION ============ */
.costs-section {
  padding: 100px 0;
  position: relative;
  overflow: hidden;
}
.costs-section::before {
  content: '';
  position: absolute;
  top: -100px;
  left: -100px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(201, 162, 85, 0.1) 0%, transparent 60%);
  pointer-events: none;
}
.costs-section::after {
  content: '';
  position: absolute;
  bottom: -100px;
  right: -100px;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(201, 162, 85, 0.06) 0%, transparent 60%);
  pointer-events: none;
}

.costs-header {
  text-align: center;
  margin-bottom: 50px;
  position: relative;
  z-index: 2;
}
.costs-header h2 em {
  color: var(--prism-gold-dark);
  font-style: italic;
}

.costs-score-badge {
  display: inline-flex;
  align-items: baseline;
  gap: 4px;
  padding: 8px 18px;
  background: linear-gradient(135deg, var(--prism-gold), var(--prism-gold-light));
  border-radius: var(--prism-radius-pill);
  color: var(--prism-navy);
  font-family: var(--prism-font-serif);
  font-weight: 600;
  margin-bottom: 14px;
  box-shadow: 0 8px 20px rgba(201, 162, 85, 0.3);
}
.costs-score-num {
  font-size: 22px;
  font-style: italic;
  line-height: 1;
}
.costs-score-out {
  font-size: 13px;
  opacity: 0.75;
}

/* Generic block styling */
.costs-block {
  background: linear-gradient(135deg, rgba(255, 255, 255, 0.95), rgba(245, 239, 228, 0.7));
  border: 1px solid rgba(10, 22, 40, 0.08);
  border-radius: var(--prism-radius-lg);
  padding: 40px 36px;
  margin-bottom: 28px;
  box-shadow: 0 10px 30px rgba(10, 22, 40, 0.06);
  position: relative;
  z-index: 2;
}

.costs-block-header {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-bottom: 28px;
  padding-bottom: 22px;
  border-bottom: 1px solid rgba(10, 22, 40, 0.08);
}

.costs-block-num {
  flex-shrink: 0;
  width: 50px;
  height: 50px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--prism-gold), var(--prism-gold-light));
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--prism-navy);
  font-family: var(--prism-font-serif);
  font-size: 20px;
  font-weight: 600;
  font-style: italic;
  box-shadow: 0 6px 18px rgba(201, 162, 85, 0.3);
}

.costs-block-label {
  font-size: 11px;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--prism-gold-dark);
  font-weight: 700;
  margin-bottom: 4px;
  font-family: var(--prism-font-sans);
}

.costs-block-title {
  font-family: var(--prism-font-serif);
  font-size: 24px;
  font-weight: 600;
  color: var(--prism-navy);
  line-height: 1.2;
  letter-spacing: -0.3px;
  margin: 0 0 8px;
}

.costs-block-desc {
  font-size: 14px;
  color: rgba(10, 22, 40, 0.65);
  line-height: 1.65;
  margin: 0;
  max-width: 680px;
}

/* TILA Grid (5 items) */
.tila-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 14px;
}
.tila-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 10px;
  padding: 18px 16px;
  background: rgba(245, 239, 228, 0.5);
  border: 1px solid rgba(10, 22, 40, 0.06);
  border-radius: var(--prism-radius-md);
  transition: all 0.3s;
}
.tila-item:hover {
  background: rgba(255, 255, 255, 0.85);
  border-color: rgba(201, 162, 85, 0.3);
  transform: translateY(-3px);
  box-shadow: 0 8px 20px rgba(10, 22, 40, 0.08);
}
.tila-icon {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--prism-gold), var(--prism-gold-light));
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--prism-font-serif);
  font-size: 18px;
  font-weight: 700;
  color: var(--prism-navy);
  line-height: 1;
}
.tila-text {
  width: 100%;
}
.tila-key {
  font-family: var(--prism-font-serif);
  font-size: 15px;
  font-weight: 600;
  color: var(--prism-navy);
  line-height: 1.25;
  margin-bottom: 4px;
}
.tila-val {
  font-size: 12px;
  color: rgba(10, 22, 40, 0.6);
  line-height: 1.4;
  font-family: var(--prism-font-sans);
}

/* Ratio Example */
.ratio-example {
  display: grid;
  grid-template-columns: 1fr auto 1fr auto 1fr;
  gap: 16px;
  align-items: center;
  padding: 28px;
  background: rgba(245, 239, 228, 0.5);
  border-radius: var(--prism-radius-lg);
  margin-bottom: 18px;
}

.ratio-step {
  text-align: center;
  padding: 20px 16px;
  background: #fff;
  border-radius: var(--prism-radius-md);
  border: 1px solid rgba(10, 22, 40, 0.08);
}
.ratio-step-mid {
  border-color: rgba(201, 162, 85, 0.3);
  background: linear-gradient(135deg, #fff, rgba(201, 162, 85, 0.05));
}
.ratio-step-result {
  background: linear-gradient(135deg, var(--prism-navy), #1a2f54);
  color: var(--prism-cream);
  border-color: var(--prism-navy);
  box-shadow: 0 8px 20px rgba(10, 22, 40, 0.2);
}

.ratio-step-label {
  font-size: 10px;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: rgba(10, 22, 40, 0.55);
  font-weight: 700;
  margin-bottom: 10px;
  font-family: var(--prism-font-sans);
}
.ratio-step-result .ratio-step-label {
  color: rgba(245, 239, 228, 0.7);
}

.ratio-step-value {
  font-family: var(--prism-font-serif);
  font-size: 36px;
  font-weight: 600;
  font-style: italic;
  color: var(--prism-navy);
  line-height: 1;
  margin-bottom: 8px;
  letter-spacing: -0.5px;
}
.ratio-step-value-gold {
  color: var(--prism-gold-dark) !important;
}
.ratio-step-value-navy {
  color: var(--prism-gold) !important;
}
.ratio-currency {
  font-size: 20px;
  opacity: 0.7;
  margin-right: 1px;
}

.ratio-step-sub {
  font-size: 11px;
  letter-spacing: 0.5px;
  color: rgba(10, 22, 40, 0.55);
  font-family: var(--prism-font-sans);
}
.ratio-step-result .ratio-step-sub {
  color: rgba(245, 239, 228, 0.65);
}

.ratio-arrow {
  font-family: var(--prism-font-serif);
  font-size: 30px;
  color: var(--prism-gold);
  font-weight: 300;
  text-align: center;
}

.ratio-note {
  font-size: 13px;
  color: rgba(10, 22, 40, 0.65);
  line-height: 1.7;
  margin: 0;
  padding: 16px 20px;
  background: rgba(201, 162, 85, 0.08);
  border-left: 3px solid var(--prism-gold);
  border-radius: var(--prism-radius-sm);
}

/* Fees Grid (side-by-side) */
.fees-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  margin-bottom: 28px;
  position: relative;
  z-index: 2;
}

.fees-block {
  background: linear-gradient(135deg, rgba(255, 255, 255, 0.95), rgba(245, 239, 228, 0.7));
  border: 1px solid rgba(10, 22, 40, 0.08);
  border-radius: var(--prism-radius-lg);
  padding: 40px 36px;
  display: flex;
  flex-direction: column;
  box-shadow: 0 10px 30px rgba(10, 22, 40, 0.06);
  position: relative;
  overflow: hidden;
}

.fees-legitimate::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--prism-success), #5da76f);
}
.fees-scam::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, #e74c3c, #c0392b);
}

.fees-block-header {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 24px;
  padding-bottom: 20px;
  border-bottom: 1px solid rgba(10, 22, 40, 0.08);
  flex-wrap: wrap;
}

.fees-block-icon-check {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--prism-success);
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  font-weight: 700;
  flex-shrink: 0;
}
.fees-block-icon-warn {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: #e74c3c;
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  font-weight: 700;
  flex-shrink: 0;
}

.fees-block-label {
  font-size: 11px;
  letter-spacing: 2px;
  text-transform: uppercase;
  font-weight: 700;
  margin-bottom: 4px;
  font-family: var(--prism-font-sans);
}
.fees-label-good { color: var(--prism-success); }
.fees-label-bad { color: #c0392b; }

.fees-block-title {
  font-family: var(--prism-font-serif);
  font-size: 22px;
  font-weight: 600;
  color: var(--prism-navy);
  line-height: 1.2;
  margin: 0;
}

/* Fees list */
.fees-list {
  list-style: none;
  padding: 0;
  margin: 0;
  flex: 1;
}
.fee-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 12px 0;
  border-bottom: 1px solid rgba(10, 22, 40, 0.06);
  margin: 0;
}
.fee-item:last-child {
  border-bottom: none;
}

.fee-status {
  flex-shrink: 0;
  font-family: var(--prism-font-serif);
  font-size: 16px;
  font-style: italic;
  font-weight: 600;
  color: var(--prism-navy);
  background: rgba(245, 239, 228, 0.7);
  padding: 6px 12px;
  border-radius: var(--prism-radius-pill);
  border: 1px solid rgba(10, 22, 40, 0.08);
  min-width: 80px;
  text-align: center;
  line-height: 1.2;
}
.fee-status-zero {
  background: rgba(127, 195, 143, 0.15) !important;
  color: var(--prism-success) !important;
  border-color: rgba(127, 195, 143, 0.4) !important;
  font-weight: 700;
}

.fee-text {
  flex: 1;
}
.fee-text strong {
  display: block;
  font-size: 14px;
  font-weight: 600;
  color: var(--prism-navy);
  line-height: 1.4;
}
.fee-text small {
  display: block;
  font-size: 12px;
  color: rgba(10, 22, 40, 0.55);
  margin-top: 3px;
  font-family: var(--prism-font-sans);
}

/* Scam Warning Block */
.scam-warning {
  background: linear-gradient(135deg, rgba(231, 76, 60, 0.08), rgba(231, 76, 60, 0.03));
  border: 1px solid rgba(231, 76, 60, 0.2);
  border-radius: var(--prism-radius-md);
  padding: 22px 24px;
  margin-bottom: 18px;
  flex: 1;
}
.scam-warning > p {
  margin: 0 0 14px;
  font-size: 14px;
  color: var(--prism-navy);
  line-height: 1.6;
}
.scam-warning > p strong {
  color: var(--prism-navy);
}

.scam-list {
  list-style: none;
  padding: 0;
  margin: 0 0 16px;
}
.scam-list li {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 8px 0;
  font-size: 13px;
  color: rgba(10, 22, 40, 0.7);
  font-weight: 500;
  margin: 0;
}

.scam-x {
  flex-shrink: 0;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: #e74c3c;
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
  font-weight: 700;
}

.scam-conclusion {
  margin: 14px 0 0 !important;
  padding-top: 14px;
  border-top: 1px solid rgba(231, 76, 60, 0.2);
  font-size: 13px !important;
}
.scam-conclusion strong {
  color: #c0392b !important;
  font-size: 14px;
}

.costs-cta {
  text-align: center;
  margin-top: 16px;
  padding-top: 24px;
  border-top: 1px solid rgba(10, 22, 40, 0.08);
  position: relative;
  z-index: 2;
}

/* ============ WHY THIS SITE SECTION ============ */
.whyapply-section {
  padding: 100px 0;
  position: relative;
  overflow: hidden;
}
.whyapply-section::before {
  content: '';
  position: absolute;
  top: -150px;
  right: -100px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(201, 162, 85, 0.1) 0%, transparent 60%);
  pointer-events: none;
}
.whyapply-section::after {
  content: '';
  position: absolute;
  bottom: -150px;
  left: -100px;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(201, 162, 85, 0.06) 0%, transparent 60%);
  pointer-events: none;
}

.whyapply-header {
  text-align: center;
  margin-bottom: 56px;
  position: relative;
  z-index: 2;
}
.whyapply-header h2 em {
  color: var(--prism-gold-dark);
  font-style: italic;
}

/* 3-card reason grid */
.whyapply-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-bottom: 50px;
  position: relative;
  z-index: 2;
}

.whyapply-card {
  background: linear-gradient(135deg, rgba(255, 255, 255, 0.95), rgba(245, 239, 228, 0.7));
  border: 1px solid rgba(10, 22, 40, 0.08);
  border-radius: var(--prism-radius-lg);
  padding: 36px 30px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  transition: all 0.4s ease;
  position: relative;
  overflow: hidden;
  box-shadow: 0 10px 30px rgba(10, 22, 40, 0.06);
}

.whyapply-card:hover {
  transform: translateY(-6px);
  border-color: var(--prism-gold-40);
  box-shadow: 0 24px 50px rgba(10, 22, 40, 0.12), 0 0 0 1px rgba(201, 162, 85, 0.2);
}

.whyapply-card-featured {
  background: linear-gradient(135deg, rgba(255, 255, 255, 1), rgba(245, 239, 228, 0.85));
  border-color: rgba(201, 162, 85, 0.3);
  box-shadow: 0 15px 40px rgba(10, 22, 40, 0.1);
}
.whyapply-card-featured::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--prism-gold), var(--prism-gold-light), var(--prism-gold));
}

.whyapply-card-num {
  position: absolute;
  top: 18px;
  right: 22px;
  font-family: var(--prism-font-serif);
  font-size: 36px;
  font-style: italic;
  color: rgba(201, 162, 85, 0.35);
  font-weight: 500;
  line-height: 1;
  letter-spacing: -1px;
}

.whyapply-card-icon {
  width: 54px;
  height: 54px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--prism-gold), var(--prism-gold-light));
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--prism-navy);
  font-family: var(--prism-font-serif);
  font-size: 26px;
  font-weight: 600;
  line-height: 1;
  box-shadow: 0 6px 18px rgba(201, 162, 85, 0.3);
}

.whyapply-card-label {
  font-size: 11px;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--prism-gold-dark);
  font-weight: 700;
  font-family: var(--prism-font-sans);
  margin-top: 4px;
}

.whyapply-card-title {
  font-family: var(--prism-font-serif);
  font-size: 22px;
  font-weight: 600;
  color: var(--prism-navy);
  line-height: 1.25;
  letter-spacing: -0.3px;
  margin: 0;
}

.whyapply-card-desc {
  font-size: 14px;
  color: rgba(10, 22, 40, 0.65);
  line-height: 1.7;
  margin: 0;
  flex: 1;
}

.whyapply-card-footer {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-top: 10px;
  padding-top: 18px;
  border-top: 1px solid rgba(10, 22, 40, 0.08);
}
.whyapply-stat-num {
  font-family: var(--prism-font-serif);
  font-size: 28px;
  font-style: italic;
  color: var(--prism-gold-dark);
  font-weight: 600;
  line-height: 1;
}
.whyapply-stat-label {
  font-size: 11px;
  letter-spacing: 1px;
  color: rgba(10, 22, 40, 0.55);
  line-height: 1.4;
  font-family: var(--prism-font-sans);
  text-transform: uppercase;
  font-weight: 500;
}

/* Editorial Team Showcase */
.whyapply-team-block {
  background: linear-gradient(135deg, var(--prism-navy) 0%, #1a2f54 100%);
  border-radius: var(--prism-radius-lg);
  padding: 50px 40px;
  margin-bottom: 32px;
  color: var(--prism-cream);
  position: relative;
  z-index: 2;
  overflow: hidden;
  box-shadow: 0 20px 50px rgba(10, 22, 40, 0.25);
}
.whyapply-team-block::before {
  content: '';
  position: absolute;
  top: -100px;
  right: -100px;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(201, 162, 85, 0.2) 0%, transparent 60%);
  pointer-events: none;
}
.whyapply-team-block::after {
  content: '';
  position: absolute;
  bottom: -100px;
  left: -100px;
  width: 300px;
  height: 300px;
  background: radial-gradient(circle, rgba(201, 162, 85, 0.1) 0%, transparent 60%);
  pointer-events: none;
}

.whyapply-team-header {
  text-align: center;
  margin-bottom: 36px;
  position: relative;
  z-index: 2;
}
.whyapply-team-label {
  display: inline-block;
  font-size: 11px;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--prism-gold);
  background: rgba(201, 162, 85, 0.15);
  padding: 6px 14px;
  border-radius: var(--prism-radius-pill);
  border: 1px solid rgba(201, 162, 85, 0.3);
  font-weight: 600;
  margin-bottom: 16px;
  font-family: var(--prism-font-sans);
}
.whyapply-team-title {
  font-family: var(--prism-font-serif);
  font-size: 32px;
  font-weight: 600;
  color: var(--prism-cream);
  line-height: 1.15;
  letter-spacing: -0.5px;
  margin: 0 0 12px;
}
.whyapply-team-desc {
  font-size: 14px;
  color: rgba(245, 239, 228, 0.65);
  line-height: 1.6;
  margin: 0 auto;
  max-width: 620px;
}

.whyapply-team-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  position: relative;
  z-index: 2;
}

.whyapply-author {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 20px 22px;
  background: rgba(245, 239, 228, 0.05);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border: 1px solid rgba(245, 239, 228, 0.1);
  border-radius: var(--prism-radius-md);
  text-decoration: none;
  color: var(--prism-cream);
  transition: all 0.3s;
}
.whyapply-author:hover {
  background: rgba(245, 239, 228, 0.1);
  border-color: rgba(201, 162, 85, 0.4);
  transform: translateY(-3px);
  color: var(--prism-cream);
}

.whyapply-author-avatar {
  flex-shrink: 0;
  width: 56px;
  height: 56px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--prism-font-serif);
  font-size: 26px;
  font-weight: 600;
  font-style: italic;
  box-shadow: 0 8px 18px rgba(0, 0, 0, 0.2);
  border: 2px solid rgba(201, 162, 85, 0.3);
}

.whyapply-author-info {
  flex: 1;
  min-width: 0;
}
.whyapply-author-name {
  font-family: var(--prism-font-serif);
  font-size: 17px;
  font-weight: 600;
  color: var(--prism-cream);
  line-height: 1.2;
  margin-bottom: 2px;
}
.whyapply-author-credential {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1px;
  color: var(--prism-gold);
  background: rgba(201, 162, 85, 0.15);
  padding: 2px 8px;
  border-radius: var(--prism-radius-pill);
  border: 1px solid rgba(201, 162, 85, 0.3);
  margin-bottom: 6px;
  font-family: var(--prism-font-sans);
}
.whyapply-author-credential sup {
  font-size: 8px;
  margin-left: 1px;
}
.whyapply-author-role {
  font-size: 12px;
  color: rgba(245, 239, 228, 0.85);
  font-weight: 600;
  margin-bottom: 3px;
}
.whyapply-author-meta {
  font-size: 11px;
  color: rgba(245, 239, 228, 0.55);
  line-height: 1.4;
  font-family: var(--prism-font-sans);
}

/* Stats bar */
.whyapply-stats-bar {
  display: flex;
  justify-content: space-around;
  align-items: center;
  padding: 28px 32px;
  background: linear-gradient(135deg, rgba(255, 255, 255, 0.95), rgba(245, 239, 228, 0.7));
  border: 1px solid rgba(10, 22, 40, 0.08);
  border-radius: var(--prism-radius-lg);
  margin-bottom: 32px;
  box-shadow: 0 10px 30px rgba(10, 22, 40, 0.06);
  position: relative;
  z-index: 2;
}

.whyapply-stats-item {
  text-align: center;
  flex: 1;
}
.whyapply-stats-num {
  font-family: var(--prism-font-serif);
  font-size: 36px;
  font-style: italic;
  color: var(--prism-gold-dark);
  font-weight: 600;
  line-height: 1;
  letter-spacing: -0.5px;
  margin-bottom: 6px;
}
.whyapply-stats-label {
  font-size: 11px;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: rgba(10, 22, 40, 0.6);
  font-weight: 600;
  font-family: var(--prism-font-sans);
}

.whyapply-stats-divider {
  width: 1px;
  height: 50px;
  background: rgba(10, 22, 40, 0.1);
}

/* Final CTA */
.whyapply-cta {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 14px;
  flex-wrap: wrap;
  position: relative;
  z-index: 2;
}

/* ============ RESPONSIVE ============ */
@media (max-width: 968px) {
  nav ul { display: none; }
  .nav-cta { display: none; }
  .menu-toggle { display: block; }
  .two-col { grid-template-columns: 1fr; }
  .sidebar { position: static; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  section { padding: 50px 0; }
  .page-hero { padding: 70px 0 50px; }
  h1 { font-size: 36px; }
  
  /* Hero responsive */
  .hero-grid { grid-template-columns: 1fr !important; gap: 40px !important; }
  .hero-home aside[id="apply-form"] { transform: none !important; }
  .hero-stats { grid-template-columns: repeat(2, 1fr) !important; }
  .hero-home h1 { font-size: 42px !important; }
  .hero-home h1 br { display: none; }
  
  /* How it works responsive */
  .hiw-grid { grid-template-columns: 1fr !important; gap: 60px !important; }
  .phone-mockup-wrapper { min-height: 580px !important; }
  .phone-frame { transform: scale(0.85); }
  .hiw-content h2 { font-size: 34px !important; }
  .hiw-content h2 br { display: none; }
  
  /* Products grid responsive */
  .products-header { grid-template-columns: 1fr !important; gap: 24px !important; }
  .products-grid-top { grid-template-columns: repeat(2, 1fr) !important; }
  .products-grid-bottom { grid-template-columns: repeat(2, 1fr) !important; }
  .products-trust-row { grid-template-columns: repeat(2, 1fr) !important; gap: 30px !important; }
  
  /* Segments grid responsive */
  .segments-grid { grid-template-columns: repeat(2, 1fr) !important; gap: 20px !important; }
  
  /* Eligibility responsive */
  .eligibility-grid { grid-template-columns: 1fr !important; gap: 24px !important; }
  .info-grid { grid-template-columns: repeat(2, 1fr) !important; }
  .eligibility-cta { flex-direction: column; text-align: center; gap: 16px !important; }
  .eligibility-cta-text { text-align: center; }
  
  /* Trust responsive */
  .trust-grid { grid-template-columns: 1fr !important; gap: 24px !important; }
  
  /* Testimonials responsive */
  .testimonials-grid { grid-template-columns: 1fr !important; gap: 20px !important; }
  .testimonials-cta { flex-direction: column; text-align: center; gap: 18px !important; }
  
  /* Calculator responsive */
  .calculator-grid { grid-template-columns: 1fr !important; gap: 36px !important; }
  .calculator-card { padding: 32px 24px !important; }
  
  /* Costs responsive */
  .tila-grid { grid-template-columns: repeat(2, 1fr) !important; }
  .ratio-example { grid-template-columns: 1fr !important; gap: 12px !important; }
  .ratio-arrow { transform: rotate(90deg); font-size: 24px; }
  .fees-grid { grid-template-columns: 1fr !important; gap: 24px !important; }
  
  /* Why This Site responsive */
  .whyapply-grid { grid-template-columns: 1fr !important; gap: 20px !important; }
  .whyapply-team-grid { grid-template-columns: 1fr !important; gap: 14px !important; }
  .whyapply-stats-bar { flex-wrap: wrap; gap: 20px; padding: 22px 24px !important; }
  .whyapply-stats-divider { display: none; }
  .whyapply-stats-item { flex: 1 1 40%; }
}
@media (max-width: 560px) {
  .wrap { padding: 0 20px; }
  .header-inner { padding: 0 20px; }
  .footer-grid { grid-template-columns: 1fr; }
  h1 { font-size: 30px; }
  h2 { font-size: 26px; }
  .key-takeaway, .callout { padding: 22px 20px; }
  .author-card { flex-direction: column; text-align: center; }
  .meta-bar { flex-direction: column; align-items: flex-start; gap: 12px; }
  
  .hero-home h1 { font-size: 34px !important; }
  .hero-stats { grid-template-columns: 1fr !important; }
  .hero-stat-num { font-size: 32px; }
  
  /* HIW mobile small */
  .phone-frame { transform: scale(0.78); }
  .phone-mockup-wrapper { min-height: 540px !important; }
  .phone-float-badge { padding: 10px 12px; }
  .phone-float-badge-title { font-size: 11px; }
  .phone-float-badge-sub { font-size: 9px; }
  .hiw-step { padding: 18px 20px; gap: 16px; }
  .hiw-step-num { font-size: 30px; min-width: 40px; }
  .hiw-step-title { font-size: 19px; }
  
  /* Products mobile small */
  .products-grid-top { grid-template-columns: 1fr !important; }
  .products-grid-bottom { grid-template-columns: 1fr !important; }
  .product-img-wrapper, .products-grid-top .product-img-wrapper { height: 200px !important; }
  .products-trust-row { grid-template-columns: 1fr !important; gap: 24px !important; }
  .products-section h2 { font-size: 32px !important; }
  
  /* Segments mobile small */
  .segments-grid { grid-template-columns: 1fr !important; }
  .segment-card { padding: 26px 22px; }
  .segments-section h2 { font-size: 30px !important; }
  
  /* Eligibility mobile small */
  .doc-grid { grid-template-columns: 1fr !important; }
  .info-grid { grid-template-columns: 1fr !important; }
  .eligibility-card, .eligibility-info-block { padding: 28px 22px !important; }
  .eligibility-section h2 { font-size: 30px !important; }
  .eligibility-card-header, .eligibility-info-header { gap: 12px; }
  .eligibility-card-num { width: 42px; height: 42px; font-size: 17px; }
  
  /* Trust mobile small */
  .trust-section h2, .testimonials-section h2, .calculator-section h2 { font-size: 30px !important; }
  .trust-verdict-card, .trust-scores-card { padding: 28px 24px !important; }
  
  /* Calculator mobile small */
  .calc-result-value { font-size: 44px !important; }
  .calc-result-currency { font-size: 26px !important; }
  
  /* Costs mobile small */
  .tila-grid { grid-template-columns: 1fr !important; }
  .costs-block, .fees-block { padding: 28px 22px !important; }
  .costs-section h2 { font-size: 30px !important; }
  .ratio-step-value { font-size: 30px !important; }
  .ratio-example { padding: 18px !important; }
  .fee-status { min-width: 70px; font-size: 13px; padding: 5px 10px; }
  
  /* Why This Site mobile small */
  .whyapply-section h2 { font-size: 30px !important; }
  .whyapply-card { padding: 28px 22px !important; }
  .whyapply-team-block { padding: 32px 24px !important; }
  .whyapply-team-title { font-size: 24px !important; }
  .whyapply-stats-num { font-size: 28px !important; }
}