/* Fonts are served from this site (no Google Fonts requests) */
@font-face { font-family: Poppins; font-weight: 500; font-style: normal; font-display: swap; src: url(/assets/fonts/poppins-500.woff2) format("woff2"); }
@font-face { font-family: Poppins; font-weight: 600; font-style: normal; font-display: swap; src: url(/assets/fonts/poppins-600.woff2) format("woff2"); }
@font-face { font-family: Poppins; font-weight: 700; font-style: normal; font-display: swap; src: url(/assets/fonts/poppins-700.woff2) format("woff2"); }
@font-face { font-family: Poppins; font-weight: 700; font-style: italic; font-display: swap; src: url(/assets/fonts/poppins-700i.woff2) format("woff2"); }
@font-face { font-family: Inter; font-weight: 400 600; font-style: normal; font-display: swap; src: url(/assets/fonts/inter-var.woff2) format("woff2"); }   /* one variable file covers 400-600 */

/* Cheque Centre - site styles (from the approved-for-review mockup) */
:root {
  --blue: #0079c2;        /* logo blue */
  --blue-dark: #00588e;
  --link: #006aab;        /* text-only blue: AA contrast on white and on --sky (logo blue is 4.3:1 on --sky) */
  --navy: #0b2e4f;        /* text / deep sections */
  --yellow: #ffd204;      /* logo yellow */
  --orange: #ffa500;
  --ink: #1d2b3a;
  --muted: #5b6b7c;
  --line: #e3e9f0;
  --sky: #eef6fc;
  --radius: 18px;
  --shadow: 0 12px 40px rgba(11, 46, 79, .10);
}
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; font: 400 17px/1.65 Inter, system-ui, -apple-system, "Segoe UI", sans-serif; color: var(--ink); background: #fff; }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--link); }
h1, h2, h3 { font-family: Poppins, system-ui, sans-serif; color: var(--navy); line-height: 1.2; margin: 0 0 .5em; }
p { margin: 0 0 1em; }
.wrap { max-width: 1180px; margin: 0 auto; padding: 0 20px; }
.center { text-align: center; }
.eyebrow { display: inline-block; font: 600 13px/1 Poppins, sans-serif; letter-spacing: .08em; text-transform: uppercase; color: var(--link); background: var(--sky); padding: 8px 14px; border-radius: 50px; margin-bottom: 18px; }
.btn { display: inline-flex; align-items: center; gap: 8px; font: 600 16px/1 Poppins, sans-serif; text-decoration: none; padding: 16px 30px; border-radius: 50px; border: 0; cursor: pointer; transition: transform .15s, background .15s, box-shadow .15s; }
.btn-yellow { background: var(--yellow); color: var(--navy); box-shadow: 0 6px 18px rgba(255, 210, 4, .35); }
.btn-yellow:hover { background: var(--orange); transform: translateY(-2px); }
.btn-outline { background: transparent; color: #fff; box-shadow: inset 0 0 0 2px rgba(255,255,255,.6); }
.btn-outline:hover { box-shadow: inset 0 0 0 2px #fff; }
.mock-flag { background: #fff4c2; color: #6b5300; font-size: 13px; border: 1px dashed #d9b400; padding: 4px 10px; border-radius: 6px; display: inline-block; }

/* Top bar + header */
.topbar { background: var(--navy); color: #cfe3f3; font-size: 14px; }
.topbar .wrap { display: flex; justify-content: space-between; gap: 16px; padding-top: 8px; padding-bottom: 8px; flex-wrap: wrap; }
.topbar a { color: #fff; text-decoration: none; }
.header { background: var(--blue); position: sticky; top: 0; z-index: 10; box-shadow: 0 2px 14px rgba(0,0,0,.12); }
.header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 20px; min-height: 76px; }
.logo img { height: 56px; width: auto; }
.nav { display: flex; align-items: center; gap: 28px; }
.nav a { color: #fff; text-decoration: none; font-weight: 500; font-size: 15px; white-space: nowrap; }
.nav a:hover { color: var(--yellow); }
.nav .btn { padding: 12px 24px; font-size: 15px; }
.nav .btn-yellow, .nav .btn-yellow:hover { color: var(--navy); }   /* same navy as the top row; beats the white .nav a rule */
.menu-btn { display: none; background: none; border: 0; color: #fff; font-size: 28px; cursor: pointer; }

/* Hero */
.hero { position: relative; overflow: hidden; background: radial-gradient(1200px 500px at 85% -10%, #2a9be0 0%, transparent 60%), linear-gradient(160deg, var(--blue) 0%, var(--blue-dark) 70%, var(--navy) 100%); color: #fff; padding: 72px 0 120px; }
.hero::after { content: ""; position: absolute; width: 520px; height: 520px; border-radius: 50%; border: 60px solid rgba(255, 210, 4, .10); right: -160px; bottom: -260px; }
.hero-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 56px; align-items: center; position: relative; z-index: 1; }
.hero .eyebrow { background: rgba(11, 46, 79, .55); color: var(--yellow); }
.hero h1 { color: #fff; font-size: clamp(36px, 5vw, 60px); }
.hero h1 em { font-style: italic; color: var(--yellow); }
.hero-lead { font-size: 20px; color: #e4f1fb; max-width: 520px; }
.hero-points { list-style: none; padding: 0; margin: 26px 0 32px; display: grid; gap: 10px; }
.hero-points li { display: flex; gap: 12px; align-items: center; font-weight: 500; }
.tick { flex: 0 0 26px; height: 26px; border-radius: 50%; background: var(--yellow); color: var(--navy); display: grid; place-items: center; font-weight: 700; font-size: 14px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* Amount picker card */
.picker { background: #fff; color: var(--ink); border-radius: 24px; padding: 32px; box-shadow: 0 30px 60px rgba(0, 30, 60, .35); }
.picker-title { font: 700 22px/1.2 Poppins, system-ui, sans-serif; color: var(--navy); margin: 0 0 .5em; }
.amount { font: 700 52px/1 Poppins, sans-serif; color: var(--navy); margin: 8px 0 18px; }
.amount small { font-size: 18px; color: var(--muted); font-weight: 500; }
input[type=range] { width: 100%; accent-color: var(--blue); height: 6px; }
.range-ends { display: flex; justify-content: space-between; font-size: 14px; color: var(--muted); margin: 6px 0 22px; }
.picker .btn { width: 100%; justify-content: center; }
.picker-note { font-size: 14px; color: var(--muted); margin: 14px 0 0; text-align: center; }

/* Representative example */
.rep { position: relative; z-index: 2; margin-top: -64px; }
.rep-card { background: #fff; border-radius: var(--radius); box-shadow: var(--shadow); padding: 26px 30px; display: grid; grid-template-columns: auto 1fr; gap: 24px; align-items: center; border-left: 6px solid var(--yellow); }
.rep-apr { font: 700 40px/1 Poppins, sans-serif; color: var(--link); text-align: center; }
.rep-apr span { display: block; font-size: 13px; font-weight: 600; color: var(--muted); letter-spacing: .06em; text-transform: uppercase; margin-top: 6px; }
.rep-card p { margin: 0; font-size: 15.5px; color: var(--ink); }
.rep-card strong { color: var(--navy); }
.warning { display: block; margin-top: 8px; font-weight: 600; color: #b42318; }

/* Promise strip */
.promises { padding: 56px 0 24px; }
.promise-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.promise { display: flex; gap: 16px; align-items: flex-start; padding: 22px; border-radius: var(--radius); background: var(--sky); }
.promise .ico { flex: 0 0 48px; height: 48px; border-radius: 14px; background: var(--blue); display: grid; place-items: center; }
.promise .ico svg { width: 24px; height: 24px; stroke: #fff; fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.promise h3 { font-size: 18px; margin-bottom: 4px; }
.promise p { margin: 0; font-size: 15px; color: var(--muted); }

/* Sections */
.section { padding: 84px 0; }
.section-tint { background: var(--sky); }
.section-title { font-size: clamp(28px, 3.6vw, 42px); }
.section-sub { color: var(--muted); max-width: 680px; margin: 0 auto 44px; font-size: 18px; }

/* Products */
.products { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.product { background: #fff; border-radius: var(--radius); padding: 28px 24px; box-shadow: var(--shadow); display: flex; flex-direction: column; border-top: 5px solid var(--blue); transition: transform .2s; }
.product:hover { transform: translateY(-6px); }
.product .tag { align-self: flex-start; font: 600 12px/1 Poppins, sans-serif; text-transform: uppercase; letter-spacing: .06em; padding: 6px 10px; border-radius: 50px; background: var(--sky); color: var(--link); margin-bottom: 16px; }
.product .tag.soon { background: #fff4c2; color: #6b5300; }
.product h3 { font-size: 21px; }
.product p { font-size: 15.5px; color: var(--muted); }
.product a.more { margin-top: auto; font: 600 15px/1 Poppins, sans-serif; text-decoration: none; }
.product a.more::after { content: " →"; }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; counter-reset: step; }
.step { position: relative; padding: 30px 26px 26px; border-radius: var(--radius); background: #fff; border: 1px solid var(--line); }
.step::before { counter-increment: step; content: counter(step); position: absolute; top: -22px; left: 26px; width: 44px; height: 44px; border-radius: 50%; background: var(--yellow); color: var(--navy); font: 700 20px/44px Poppins, sans-serif; text-align: center; box-shadow: 0 6px 14px rgba(255,210,4,.4); }
.step h3 { font-size: 19px; margin-top: 10px; }
.step p { margin: 0; color: var(--muted); font-size: 15.5px; }

/* Poor credit band */
.band { background: linear-gradient(120deg, var(--navy), var(--blue-dark)); color: #fff; border-radius: 28px; padding: 56px; display: grid; grid-template-columns: 1.2fr .8fr; gap: 40px; align-items: center; position: relative; overflow: hidden; }
.band::after { content: ""; position: absolute; right: -80px; top: -80px; width: 280px; height: 280px; border-radius: 50%; background: rgba(255,210,4,.12); }
.band h2 { color: #fff; font-size: clamp(26px, 3vw, 38px); }
.band p { color: #d5e7f5; font-size: 18px; }
.checklist { list-style: none; margin: 0; padding: 0; display: grid; gap: 14px; position: relative; z-index: 1; }
.checklist li { background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.15); border-radius: 14px; padding: 16px 18px; display: flex; gap: 14px; align-items: center; font-weight: 500; }

/* Heritage stats */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.stat { text-align: center; padding: 30px 20px; border-radius: var(--radius); background: #fff; box-shadow: var(--shadow); }
.stat strong { display: block; font: 700 40px/1.1 Poppins, sans-serif; color: var(--link); }
.stat h3 { font-size: 17px; margin: 10px 0 6px; }
.stat p { margin: 0; font-size: 14.5px; color: var(--muted); }

/* Footer */
.footer { background: var(--navy); color: #b9cfe2; padding: 64px 0 0; font-size: 15px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 36px; }
.footer-title { font: 600 16px/1.3 Poppins, sans-serif; color: #fff; margin: 0 0 14px; }
.sr { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }   /* read by screen readers + search engines, not shown */
.footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.footer a { color: #b9cfe2; text-decoration: none; }
.footer .reg a { color: #fff; text-decoration: underline; text-underline-offset: 2px; }
.footer a:hover { color: var(--yellow); }
.footer .logo img { height: 52px; margin-bottom: 16px; }
.reg { margin-top: 44px; border-top: 1px solid rgba(255,255,255,.12); padding: 22px 0 28px; font-size: 13.5px; line-height: 1.6; color: #9fb7cc; }

/* Responsive */
@media (max-width: 1100px) { .nav { display: none; } .menu-btn { display: block; } }
@media (max-width: 980px) {
  .nav { display: none; }
  .menu-btn { display: block; }
  .hero-grid, .band { grid-template-columns: 1fr; }
  .products, .stats { grid-template-columns: 1fr 1fr; }
  .promise-grid, .steps { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .band { padding: 36px 26px; }
}
@media (max-width: 600px) {
  body { font-size: 16px; }
  .hero { padding: 48px 0 100px; }
  .picker { padding: 24px; }
  .rep-card { grid-template-columns: 1fr; text-align: left; }
  .rep-apr { text-align: left; }
  .products, .stats, .footer-grid { grid-template-columns: 1fr; }
  .section { padding: 60px 0; }
  .topbar .hide-sm { display: none; }
}
@media (prefers-reduced-motion: reduce) { * { transition: none !important; } }

/* ===== Inner pages ===== */
.page-hero { background: radial-gradient(900px 380px at 85% -20%, #2a9be0 0%, transparent 60%), linear-gradient(160deg, var(--blue) 0%, var(--blue-dark) 80%); color: #fff; padding: 40px 0 96px; }
.page-hero h1 { color: #fff; font-size: clamp(30px, 4.2vw, 48px); margin: 14px 0 .35em; max-width: 820px; }
.page-hero .lead { color: #e4f1fb; font-size: 19px; max-width: 720px; margin: 0; }
.crumbs ol { display: flex; flex-wrap: wrap; gap: 4px 10px; list-style: none; margin: 0; padding: 0; font-size: 14px; }
.crumbs li + li::before { content: "›"; margin-right: 10px; opacity: .7; }
.crumbs a { color: #fff; text-decoration: none; font-weight: 500; }
.crumbs a:hover { text-decoration: underline; color: #fff; }
.crumbs [aria-current] { color: #cfe6f6; }
.page-body { margin-top: -60px; position: relative; z-index: 2; padding-bottom: 70px; }
.content-card { background: #fff; border-radius: 24px; box-shadow: var(--shadow); padding: 44px 48px; }
.prose { max-width: 760px; }
.prose h2 { font-size: clamp(24px, 2.8vw, 30px); margin-top: 1.5em; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { font-size: 20px; margin-top: 1.3em; }
.prose p, .prose li { color: var(--ink); }
.prose ul { padding-left: 1.2em; }
.page-body .rep-card { margin-top: 28px; }
.type-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px; margin: 28px 0 8px; }
.type-card { border: 1px solid var(--line); border-top: 5px solid var(--blue); border-radius: var(--radius); padding: 26px 26px 22px; display: flex; flex-direction: column; }
.type-card h3 { margin-top: 0; }
.type-card p { color: var(--muted); font-size: 16px; }
.type-card .more { margin-top: auto; font: 600 15px/1 Poppins, sans-serif; text-decoration: none; }
.type-card .more::after { content: " →"; }
.compare { width: 100%; border-collapse: collapse; margin: 20px 0 8px; font-size: 16px; }
.compare th, .compare td { text-align: left; padding: 14px 16px; border-bottom: 1px solid var(--line); vertical-align: top; }
.compare thead th { background: var(--sky); color: var(--navy); font: 600 15px/1.3 Poppins, sans-serif; }
.compare tbody th { color: var(--navy); font-weight: 600; width: 28%; }
.table-scroll { overflow-x: auto; margin-bottom: 48px; }   /* breathing room before the next heading */
.callout { background: var(--sky); border-left: 5px solid var(--yellow); border-radius: 14px; padding: 22px 26px; margin: 30px 0; }
.callout h2, .callout h3 { margin-top: 0; }
.cta-strip { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 18px; background: linear-gradient(120deg, var(--navy), var(--blue-dark)); color: #fff; border-radius: 20px; padding: 28px 32px; margin-top: 34px; }
.cta-strip p { margin: 0; color: #d5e7f5; }
.cta-strip strong { display: block; color: #fff; font: 700 22px/1.3 Poppins, sans-serif; }
@media (max-width: 760px) {
  .content-card { padding: 28px 20px; border-radius: 18px; }
  .type-grid { grid-template-columns: 1fr; }
  .page-hero { padding-bottom: 84px; }
}

/* ===== Phone menu (opened by site.js) ===== */
@media (max-width: 1100px) {
  .header .wrap { position: relative; }
  .nav-open .nav { display: flex; flex-direction: column; align-items: stretch; gap: 0; position: absolute; top: 100%; left: 0; right: 0; background: var(--blue-dark); padding: 8px 20px 20px; box-shadow: 0 16px 30px rgba(0, 0, 0, .2); }
  .nav-open .nav a { padding: 14px 4px; border-bottom: 1px solid rgba(255, 255, 255, .12); }
  .nav-open .nav .btn { margin-top: 14px; justify-content: center; border: 0; }
}
.nav a[aria-current] { color: #fff; text-decoration: underline; text-decoration-color: var(--yellow); text-decoration-thickness: 3px; text-underline-offset: 7px; }

/* Cost limits (payday page) */
.cost-rules { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin: 22px 0 30px; }
.cost-rule { background: var(--sky); border-radius: var(--radius); padding: 22px 22px 20px; }
.cost-rule strong { display: block; font: 700 26px/1.2 Poppins, sans-serif; color: var(--link); margin-bottom: 6px; }
.cost-rule span { color: var(--ink); font-size: 16px; }
.table-note { font-size: 14.5px; color: var(--muted); margin: 10px 0 0; max-width: 760px; }
@media (max-width: 760px) { .cost-rules { grid-template-columns: 1fr; } }

/* Timeline list (payday history) */
.prose ul.timeline { list-style: none; padding: 0; margin: 22px 0 28px; border-left: 3px solid var(--line); }
.timeline li { position: relative; padding: 0 0 18px 26px; }
.timeline li::before { content: ""; position: absolute; left: -9px; top: 6px; width: 15px; height: 15px; border-radius: 50%; background: var(--yellow); box-shadow: 0 0 0 3px #fff; }
.timeline strong { display: block; font: 700 16px/1.3 Poppins, sans-serif; color: var(--link); margin-bottom: 2px; }

/* Sources list (bottom of pages that quote figures) */
.sources { margin-top: 34px; padding-top: 20px; border-top: 1px solid var(--line); font-size: 14.5px; color: var(--muted); }
.sources-title { font: 600 14px/1.3 Poppins, sans-serif; color: var(--navy); margin: 0 0 6px; text-transform: uppercase; letter-spacing: .06em; }
.sources ul { margin: 0; padding-left: 1.1em; }

/* Myth / fact list */
.myths { margin: 18px 0 26px; }
.myths dt { font: 600 17px/1.4 Poppins, sans-serif; color: var(--navy); margin-top: 18px; padding-left: 30px; position: relative; }
.myths dt::before { content: "✗"; position: absolute; left: 0; top: 0; width: 22px; height: 22px; border-radius: 50%; background: #fde8e8; color: #b42318; font-size: 13px; text-align: center; line-height: 22px; }
.myths dd { margin: 6px 0 0; padding-left: 30px; position: relative; color: var(--ink); }
.myths dd::before { content: "✓"; position: absolute; left: 0; top: 2px; width: 22px; height: 22px; border-radius: 50%; background: var(--yellow); color: var(--navy); font-size: 13px; text-align: center; line-height: 22px; font-weight: 700; }

/* "On this page" contents list */
.toc { background: var(--sky); border-radius: 14px; padding: 18px 24px; margin: 0 0 30px; max-width: 760px; }
.toc-title { font: 600 14px/1.3 Poppins, sans-serif; color: var(--navy); margin: 0 0 8px; text-transform: uppercase; letter-spacing: .06em; }
.toc ul { margin: 0; padding-left: 1.1em; columns: 2; column-gap: 32px; }
.toc li { margin: 4px 0; break-inside: avoid; }
.toc a { text-decoration: none; }
.toc a:hover { text-decoration: underline; }
.prose h2[id] { scroll-margin-top: 100px; }   /* the sticky header doesn't cover the heading */
@media (max-width: 760px) { .toc ul { columns: 1; } }

/* Wide tables on phones: readable column widths + a swipe hint (added by site.js only when needed) */
@media (max-width: 760px) {
  .compare { min-width: 520px; font-size: 15px; }
  .compare th, .compare td { padding: 12px 12px; }
}
.table-scroll.is-scrollable::before { content: "Swipe to see more →"; display: block; font: 600 13px/1.3 Poppins, sans-serif; color: var(--link); margin: 0 0 8px; }
.cost-rules.weights { grid-template-columns: repeat(2, 1fr); max-width: 760px; }
@media (max-width: 760px) { .cost-rules.weights { grid-template-columns: 1fr; } }

/* ===== Layout variations (pick and mix per page) ===== */
/* Split hero: heading left, card right */
.hero-split-grid { display: grid; grid-template-columns: 1.4fr .9fr; gap: 40px; align-items: center; }
.glance { background: rgba(255, 255, 255, .12); border: 1px solid rgba(255, 255, 255, .22); border-radius: 20px; padding: 22px 24px; backdrop-filter: blur(2px); }
.glance-title { font: 600 13px/1.3 Poppins, sans-serif; letter-spacing: .08em; text-transform: uppercase; color: var(--yellow); margin: 0 0 10px; }
.glance ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.glance li { position: relative; padding-left: 32px; color: #fff; font-weight: 500; }
.glance li::before { position: absolute; left: 0; top: 0; width: 22px; height: 22px; border-radius: 50%; text-align: center; font: 700 13px/22px Inter, sans-serif; }
.glance li.yes::before { content: "✓"; background: var(--yellow); color: var(--navy); }
.glance li.no::before { content: "✗"; background: #fde8e8; color: #b42318; }

/* Content + sticky sidebar */
.with-sidebar { display: grid; grid-template-columns: minmax(0, 1fr) 300px; gap: 28px; align-items: start; }
.side-card { position: sticky; top: 100px; background: #fff; border-radius: 22px; box-shadow: var(--shadow); padding: 26px 24px; border-top: 6px solid var(--yellow); }
.side-title { font: 700 20px/1.3 Poppins, sans-serif; color: var(--navy); margin: 0 0 12px; }
.side-card ul { list-style: none; padding: 0; margin: 0 0 20px; display: grid; gap: 8px; }
.side-card li { padding-left: 26px; position: relative; font-size: 15.5px; }
.side-card li::before { content: "✓"; position: absolute; left: 0; color: var(--link); font-weight: 700; }
.side-card .btn { width: 100%; justify-content: center; }
.side-small { font-size: 13px; color: var(--muted); margin: 12px 0 0; }

/* 80/20 split bar */
.split-bar { display: flex; max-width: 760px; border-radius: 14px; overflow: hidden; margin: 6px 0 8px; font-size: 15px; }
.split-bar > div { padding: 16px 18px; min-width: 0; }
.split-bar strong { display: block; font: 700 26px/1.1 Poppins, sans-serif; }
.split-bar-a { background: var(--blue); color: #fff; }
.split-bar-b { background: var(--yellow); color: var(--navy); }

/* Amber warning card */
.alert-card { max-width: 760px; background: #fff8e6; border: 1px solid #f5d98a; border-left: 6px solid var(--orange); border-radius: 16px; padding: 22px 26px; margin: 8px 0 30px; }
.alert-card h3 { margin-top: 0; color: #7a4b00; font-size: 20px; }
.alert-card p { color: #4d3b16; }
.alert-card p:last-child { margin-bottom: 0; }

/* Story / example card */
.story-card { max-width: 760px; margin: 30px 0; background: linear-gradient(135deg, var(--navy), var(--blue-dark)); color: #fff; border-radius: 22px; padding: 30px 32px 26px; position: relative; overflow: hidden; }
.story-card::before { content: "\201C"; position: absolute; right: 24px; top: -18px; font: 700 160px/1 Poppins, serif; color: rgba(255, 210, 4, .25); }
.story-card figcaption { font: 600 13px/1.3 Poppins, sans-serif; letter-spacing: .08em; text-transform: uppercase; color: var(--yellow); margin-bottom: 10px; }
.story-card blockquote { margin: 0; font-size: 18px; line-height: 1.6; position: relative; }
.story-card blockquote p { color: #e4f1fb; }
.story-card blockquote p:last-child { margin-bottom: 0; }
.story-card strong { color: #fff; }

@media (max-width: 980px) {
  .hero-split-grid, .with-sidebar { grid-template-columns: 1fr; }
  .side-card { position: static; }
}

.split-bar + .table-note { margin-bottom: 40px; }

/* Amount hero: big figure badge */
.hero-amount-grid { display: grid; grid-template-columns: 1.5fr 1fr; gap: 40px; align-items: center; }
.amount-badge { justify-self: end; width: 260px; aspect-ratio: 1; border-radius: 50%; background: var(--yellow); color: var(--navy); display: flex; flex-direction: column; align-items: center; justify-content: center; font: 700 84px/1 Poppins, sans-serif; box-shadow: 0 24px 50px rgba(0, 0, 0, .25), inset 0 0 0 10px rgba(255, 255, 255, .35); text-align: center; }
.amount-badge span { font: 600 16px/1 Poppins, sans-serif; text-transform: uppercase; letter-spacing: .12em; margin-bottom: 6px; }
.amount-badge small { font: 500 14px/1.3 Inter, sans-serif; max-width: 150px; margin-top: 8px; }

/* Icon tiles */
.icon-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; margin: 20px 0 40px; }
.icon-tile { border: 1px solid var(--line); border-radius: var(--radius); padding: 20px 18px; background: #fff; transition: transform .2s, box-shadow .2s; }
.icon-tile:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.icon-tile-ico { display: grid; place-items: center; width: 46px; height: 46px; border-radius: 14px; background: var(--sky); margin-bottom: 12px; }
.icon-tile-ico svg { width: 24px; height: 24px; fill: none; stroke: var(--blue); stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.icon-tile h3 { font-size: 16.5px; margin: 0 0 6px; }
.icon-tile p { font-size: 14.5px; color: var(--muted); margin: 0; }

/* Term cost cards */
.term-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin: 18px 0 6px; }
.term-card { position: relative; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px 22px 20px; text-align: center; }
.term-card.popular { border: 2px solid var(--blue); box-shadow: var(--shadow); }
.term-tag { position: absolute; top: -12px; left: 50%; transform: translateX(-50%); background: var(--yellow); color: var(--navy); font: 600 12px/1 Poppins, sans-serif; text-transform: uppercase; letter-spacing: .06em; padding: 6px 12px; border-radius: 50px; white-space: nowrap; }
.term-len { font: 600 15px/1.3 Poppins, sans-serif; color: var(--muted); margin: 0 0 6px; }
.term-pay { font: 700 32px/1.1 Poppins, sans-serif; color: var(--navy); margin: 0 0 8px; }
.term-pay small { font: 500 15px/1 Inter, sans-serif; color: var(--muted); }
.term-total { font-size: 14.5px; color: var(--ink); margin: 0; }
.term-cards + .table-note { margin-bottom: 38px; }

/* Makes sense / think twice */
.fit-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin: 14px 0 26px; }
.fit { border-radius: var(--radius); padding: 22px 24px; }
.fit h3 { margin: 0 0 10px; font-size: 18px; }
.fit ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.fit li { position: relative; padding-left: 28px; }
.fit li::before { position: absolute; left: 0; top: 1px; width: 20px; height: 20px; border-radius: 50%; text-align: center; font: 700 12px/20px Inter, sans-serif; }
.fit-yes { background: var(--sky); }
.fit-yes li::before { content: "✓"; background: var(--yellow); color: var(--navy); }
.fit-no { background: #fff8e6; }
.fit-no li::before { content: "!"; background: var(--orange); color: #fff; }

@media (max-width: 980px) {
  .hero-amount-grid { grid-template-columns: 1fr; }
  .amount-badge { justify-self: start; width: 190px; font-size: 60px; }
  .icon-grid { grid-template-columns: repeat(2, 1fr); }
  .term-cards { grid-template-columns: 1fr; gap: 22px; }
  .fit-grid { grid-template-columns: 1fr; }
}
@media (max-width: 480px) { .icon-grid { grid-template-columns: 1fr; } }

/* £1,000 page: stat pills hero, numbered use rows, 100-dot charts, steps */
.stat-pills { list-style: none; margin: 22px 0 0; padding: 0; display: flex; flex-wrap: wrap; gap: 12px; }
.stat-pills li { background: rgba(255, 255, 255, .12); border: 1px solid rgba(255, 255, 255, .25); border-radius: 50px; padding: 10px 18px; font-size: 15px; }
.stat-pills strong { font: 700 17px/1 Poppins, sans-serif; color: var(--yellow); margin-right: 6px; }
.use-rows { list-style: none; counter-reset: use; margin: 10px 0 34px; padding: 0; display: grid; gap: 12px; }
.use-rows li { counter-increment: use; position: relative; padding: 16px 20px 16px 74px; border-left: 4px solid var(--yellow); background: var(--sky); border-radius: 0 var(--radius) var(--radius) 0; }
.use-rows li::before { content: counter(use, decimal-leading-zero); position: absolute; left: 20px; top: 14px; font: 700 26px/1 Poppins, sans-serif; color: var(--link); }
.use-rows h3 { font-size: 17px; margin: 0 0 4px; }
.use-rows p { margin: 0; font-size: 15.5px; color: var(--muted); }
.waffles { display: grid; grid-template-columns: 1fr 1fr; gap: 26px; margin: 18px 0 8px; }
.waffle { margin: 0; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; text-align: center; }
.waffle-grid { display: grid; grid-template-columns: repeat(10, 1fr); gap: 6px; max-width: 240px; margin: 0 auto 14px; }
.waffle .dot { aspect-ratio: 1; border-radius: 50%; background: var(--line); }
.waffle .dot.on { background: var(--blue); }
.waffle .dot.maybe { background: #8cc3e6; }
.waffle figcaption { font-size: 15.5px; color: var(--muted); }
.waffle figcaption strong { display: block; font: 700 20px/1.3 Poppins, sans-serif; color: var(--navy); }
.tip-steps { list-style: none; counter-reset: step; margin: 14px 0 34px; padding: 0; display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; }
.tip-steps li { counter-increment: step; position: relative; padding: 22px 22px 20px; border-radius: var(--radius); background: #fff; box-shadow: var(--shadow); }
.tip-steps li::before { content: counter(step); display: grid; place-items: center; width: 36px; height: 36px; border-radius: 50%; background: var(--yellow); color: var(--navy); font: 700 17px/1 Poppins, sans-serif; margin-bottom: 12px; }
.tip-steps h3 { font-size: 17px; margin: 0 0 6px; }
.tip-steps p { margin: 0; font-size: 15.5px; color: var(--muted); }
@media (max-width: 760px) {
  .waffles, .tip-steps { grid-template-columns: 1fr; }
  .use-rows li { padding-left: 62px; }
  .use-rows li::before { left: 16px; font-size: 22px; }
}
.waffles + .table-note { margin-bottom: 40px; }

/* £2,750 page: watermark hero, feature pair, sum check, cap check */
.hero-watermark { position: relative; overflow: hidden; }
.hero-watermark .wrap { position: relative; }
.hero-watermark h1, .hero-watermark .lead, .hero-watermark .crumbs { position: relative; z-index: 1; }
.watermark { position: absolute; right: 10px; bottom: -40px; font: 700 190px/1 Poppins, sans-serif; color: rgba(255, 255, 255, .08); letter-spacing: -.03em; pointer-events: none; white-space: nowrap; }
.feature-pair { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; margin: 16px 0 36px; }
.feature { border: 1px solid var(--line); border-top: 6px solid var(--blue); border-radius: var(--radius); padding: 24px 24px 18px; }
.feature + .feature { border-top-color: var(--yellow); }
.feature-tag { display: inline-block; font: 600 12px/1 Poppins, sans-serif; letter-spacing: .07em; text-transform: uppercase; color: var(--link); background: var(--sky); padding: 7px 12px; border-radius: 50px; margin-bottom: 12px; }
.feature h3 { font-size: 21px; margin-bottom: 10px; }
.feature p { font-size: 16px; }
.feature-sub { font-weight: 600; color: var(--navy); margin-bottom: 6px; }
.feature ul { margin: 0; padding-left: 20px; font-size: 15.5px; color: var(--muted); }
.sum-check { counter-reset: sum; list-style: none; margin: 14px 0 26px; padding: 0; border: 2px dashed var(--line); border-radius: var(--radius); }
.sum-check li { counter-increment: sum; display: grid; grid-template-columns: 48px 1fr; gap: 12px; padding: 18px 22px; }
.sum-check li + li { border-top: 2px dashed var(--line); }
.sum-check li::before { content: counter(sum); display: grid; place-items: center; width: 40px; height: 40px; border-radius: 10px; background: var(--navy); color: var(--yellow); font: 700 18px/1 Poppins, sans-serif; }
.sum-check strong { color: var(--navy); }
.cap-check { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin: 16px 0 26px; }
.cap-panel { background: var(--sky); border-radius: var(--radius); padding: 22px 24px; }
.cap-panel-alt { background: #fff8d6; }
.cap-panel h3 { font-size: 18px; margin-bottom: 8px; }
.cap-panel p { font-size: 15.5px; }
.cap-panel ul { margin: 0; padding-left: 20px; }
.cap-panel strong { color: var(--link); }
@media (max-width: 760px) {
  .feature-pair, .cap-check { grid-template-columns: 1fr; }
  .watermark { font-size: 110px; bottom: -24px; }
  .sum-check li { padding: 16px; }
}
.sum-check p { margin: 0; align-self: center; }
.accept-ladder { display: grid; gap: 12px; margin: 14px 0 8px; max-width: 720px; }
.rung { display: grid; grid-template-columns: 70px 1fr 80px; gap: 14px; align-items: center; }
.rung-label { font: 600 16px/1 Poppins, sans-serif; color: var(--navy); }
.rung-track { height: 22px; background: var(--line); border-radius: 50px; overflow: hidden; }
.rung-bar { display: block; height: 100%; min-width: 10px; background: #8cc3e6; border-radius: 50px; }
.rung-this .rung-bar { background: var(--blue); }
.rung-val { font: 700 16px/1 Poppins, sans-serif; color: var(--navy); }
.accept-note { margin-bottom: 30px; }

/* How it works: time strip, vertical journey, who-does-what */
.time-strip { display: flex; flex-wrap: wrap; gap: 0; margin-top: 24px; border: 1px solid rgba(255, 255, 255, .25); border-radius: var(--radius); overflow: hidden; width: fit-content; max-width: 100%; }
.time-strip span { padding: 14px 24px; font-size: 14.5px; color: rgba(255, 255, 255, .85); }
.time-strip span + span { border-left: 1px solid rgba(255, 255, 255, .25); }
.time-strip strong { display: block; font: 700 24px/1.2 Poppins, sans-serif; color: var(--yellow); }
.journey { list-style: none; counter-reset: jn; margin: 10px 0 40px; padding: 0; position: relative; }
.journey::before { content: ""; position: absolute; left: 21px; top: 10px; bottom: 30px; width: 3px; background: linear-gradient(var(--blue), var(--yellow)); border-radius: 3px; }
.journey li { counter-increment: jn; position: relative; padding: 0 0 26px 70px; }
.journey li::before { content: counter(jn); position: absolute; left: 0; top: 0; width: 45px; height: 45px; display: grid; place-items: center; border-radius: 50%; background: #fff; border: 3px solid var(--blue); color: var(--navy); font: 700 18px/1 Poppins, sans-serif; }
.journey li:last-child::before { background: var(--yellow); border-color: var(--yellow); }
.journey-time { display: inline-block; font: 600 12.5px/1 Poppins, sans-serif; letter-spacing: .05em; text-transform: uppercase; color: var(--link); background: var(--sky); padding: 6px 11px; border-radius: 50px; margin: 2px 0 8px; }
.journey h3 { font-size: 19px; margin: 0 0 6px; }
.journey p { margin: 0; color: var(--muted); max-width: 720px; }
.who-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin: 14px 0 22px; }
.who { border-radius: var(--radius); padding: 22px 24px; }
.who h3 { font-size: 19px; margin-bottom: 10px; }
.who ul { margin: 0; padding-left: 20px; display: grid; gap: 6px; }
.who-us { background: var(--navy); color: #fff; }
.who-us h3 { color: var(--yellow); }
.who-lender { background: var(--sky); }
.no-match { margin: 26px 0 30px; }
@media (max-width: 760px) {
  .who-grid { grid-template-columns: 1fr; }
  .time-strip span { padding: 12px 16px; }
  .time-strip strong { font-size: 20px; }
  .journey li { padding-left: 60px; }
}

/* Loan costs: receipts, APR facts */
.receipt-pair { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin: 16px 0 36px; }
.receipt { background: #fff; border: 1px solid var(--line); border-radius: 6px; padding: 22px 24px 14px; box-shadow: var(--shadow); position: relative; }
.receipt::after { content: ""; position: absolute; left: 0; right: 0; bottom: -8px; height: 8px; background: radial-gradient(circle at 8px 0, transparent 7px, #fff 7.5px) 0 0 / 16px 8px repeat-x; }
.receipt h3 { font-size: 17px; text-transform: uppercase; letter-spacing: .06em; padding-bottom: 10px; border-bottom: 2px dashed var(--line); }
.receipt ul { list-style: none; margin: 0; padding: 0; }
.receipt li { display: flex; justify-content: space-between; gap: 14px; padding: 9px 0; border-bottom: 1px dotted var(--line); font-size: 15.5px; }
.receipt li:last-child { border-bottom: 0; }
.receipt li span:last-child { font-weight: 600; color: var(--navy); text-align: right; }
.receipt-never li span:last-child { color: #15703c; font: 700 17px/1.3 Poppins, sans-serif; }
.apr-facts { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin: 14px 0 34px; }
.apr-facts div { border-top: 4px solid var(--yellow); background: var(--sky); border-radius: 0 0 var(--radius) var(--radius); padding: 18px 20px; }
.apr-facts dt { font: 700 17px/1.3 Poppins, sans-serif; color: var(--navy); margin-bottom: 6px; }
.apr-facts dd { margin: 0; font-size: 15.5px; }
.bank-first { margin: 10px 0 28px; }
@media (max-width: 860px) { .receipt-pair, .apr-facts { grid-template-columns: 1fr; } }
.free-note { background: var(--navy); color: #fff; border-radius: var(--radius); padding: 26px 30px; margin: 0 0 40px; }
.free-note h2 { color: var(--yellow); font-size: 24px; }
.free-note p { margin: 0; color: rgba(255, 255, 255, .9); max-width: 820px; }

/* FAQs: jump links + accordion */
.faq-jump { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 22px; }
.faq-jump a { color: #fff; text-decoration: none; font: 600 14.5px/1 Poppins, sans-serif; padding: 11px 18px; border-radius: 50px; border: 1px solid rgba(255, 255, 255, .35); }
.faq-jump a:hover { background: var(--yellow); border-color: var(--yellow); color: var(--navy); }
.faq-group { margin-bottom: 34px; scroll-margin-top: 100px; }
.faq-group h2 { font-size: 24px; margin-bottom: 14px; }
.faq { border: 1px solid var(--line); border-radius: 14px; margin-bottom: 10px; background: #fff; transition: box-shadow .2s; }
.faq[open] { box-shadow: var(--shadow); border-color: transparent; }
.faq summary { list-style: none; cursor: pointer; padding: 18px 56px 18px 22px; position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 18px; top: 50%; transform: translateY(-50%); width: 28px; height: 28px; border-radius: 50%; background: var(--sky); color: var(--link); display: grid; place-items: center; font: 600 20px/1 Poppins, sans-serif; }
.faq[open] summary::after { content: "–"; background: var(--yellow); color: var(--navy); }
.faq summary h3 { display: inline; font-size: 17px; margin: 0; }
.faq-a { padding: 0 22px 8px; }
.faq-a p, .faq-a ul { margin: 0 0 12px; }

/* Mortgages: hero with callback form, types, steps, repossession warning */
.hero-form-grid { display: grid; grid-template-columns: 1.15fr 1fr; gap: 44px; align-items: start; }
.hero-ticks { list-style: none; margin: 22px 0 0; padding: 0; display: grid; gap: 10px; }
.hero-ticks li { position: relative; padding-left: 32px; color: #fff; font-weight: 500; }
.hero-ticks li::before { content: "✓"; position: absolute; left: 0; top: 1px; width: 22px; height: 22px; border-radius: 50%; background: var(--yellow); color: var(--navy); text-align: center; font: 700 13px/22px Inter, sans-serif; }
.cb-card { background: #fff; color: var(--ink); border-radius: var(--radius); padding: 26px 26px 20px; box-shadow: 0 20px 50px rgba(0, 0, 0, .18); position: relative; z-index: 2; margin-bottom: -120px; scroll-margin-top: 90px; }
.cb-card h2 { font-size: 22px; margin-bottom: 4px; }
.cb-intro { color: var(--muted); font-size: 15px; margin-bottom: 14px; }
.cb-card label { display: block; font: 600 14px/1.3 Poppins, sans-serif; color: var(--navy); margin: 12px 0 5px; }
.cb-card .opt { font: 400 13px Inter, sans-serif; color: var(--muted); }
.cb-card input, .cb-card select, .cb-card textarea { width: 100%; font: 400 16px/1.4 Inter, sans-serif; color: var(--ink); padding: 11px 13px; border: 1.5px solid #cfd9e4; border-radius: 10px; background: #fff; }
.cb-card input:focus, .cb-card select:focus, .cb-card textarea:focus { outline: 3px solid rgba(0, 121, 194, .25); border-color: var(--blue); }
.cb-card [aria-invalid="true"] { border-color: #c0392b; }
.cb-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.cb-err { display: block; color: #b42318; font-size: 13.5px; margin-top: 4px; }
.cb-fail { background: #fde8e8; color: #8a1c12; border-radius: 10px; padding: 10px 12px; font-size: 14.5px; }
.cb-hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.cb-card .cf-turnstile { margin-top: 14px; }
.cb-card button { width: 100%; justify-content: center; margin-top: 18px; }
.cb-small { font-size: 13px; color: var(--muted); margin: 12px 0 0; }
.cb-done h2 { color: var(--link); }
.hero-form + .page-body { padding-top: 0; }
.hero-form + .page-body .content-card { padding-top: 150px; }
.mtg-types { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin: 14px 0 34px; }
.mtg-type { border-left: 4px solid var(--blue); background: var(--sky); border-radius: 0 14px 14px 0; padding: 16px 18px; }
.mtg-type h3 { font-size: 17px; margin-bottom: 6px; }
.mtg-type p { margin: 0; font-size: 15px; }
.mtg-type-more { border-left-color: var(--yellow); background: #fff8d6; }
.mtg-steps { list-style: none; counter-reset: ms; margin: 14px 0 34px; padding: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; }
.mtg-steps li { counter-increment: ms; padding: 0 20px; border-left: 2px solid var(--line); }
.mtg-steps li:first-child { border-left: 0; padding-left: 0; }
.mtg-steps li::before { content: "0" counter(ms); display: block; font: 700 34px/1 Poppins, sans-serif; color: var(--yellow); -webkit-text-stroke: 1px var(--navy); margin-bottom: 10px; }
.mtg-steps strong { display: block; font: 600 17px/1.3 Poppins, sans-serif; color: var(--navy); margin-bottom: 4px; }
.mtg-steps span { font-size: 15px; color: var(--muted); }
.repo-warning { border: 2px solid var(--navy); border-radius: 12px; padding: 16px 20px; margin: 6px 0 28px; text-align: center; color: var(--navy); }
@media (max-width: 980px) {
  .hero-form-grid { grid-template-columns: 1fr; gap: 26px; }
  .cb-card { margin-bottom: -60px; }
  .hero-form + .page-body .content-card { padding-top: 90px; }
  .mtg-types { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .mtg-types, .mtg-steps, .cb-row { grid-template-columns: 1fr; }
  .mtg-steps li { border-left: 0; padding: 0 0 18px; }
}
.hero-form { position: relative; z-index: 3; overflow: visible; }

/* Borrowing responsibly: stability pillars */
.pillars { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin: 16px 0 26px; }
.pillar { border: 1px solid var(--line); border-radius: var(--radius); padding: 20px 18px 18px; display: flex; flex-direction: column; }
.pillar-n { width: 34px; height: 34px; border-radius: 10px; background: var(--navy); color: var(--yellow); display: grid; place-items: center; font: 700 16px/1 Poppins, sans-serif; margin-bottom: 12px; }
.pillar h3 { font-size: 17px; margin-bottom: 6px; }
.pillar p { font-size: 15px; color: var(--muted); margin: 0 0 14px; flex: 1; }
.pillar-bar { display: block; height: 8px; border-radius: 8px; background: var(--line); overflow: hidden; }
.pillar-bar span { display: block; height: 100%; width: 100%; background: linear-gradient(90deg, #8cc3e6, var(--blue)); }
.pillar-cap { font: 600 12px/1 Poppins, sans-serif; letter-spacing: .05em; text-transform: uppercase; color: var(--link); margin-top: 8px; }
@media (max-width: 980px) { .pillars { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .pillars { grid-template-columns: 1fr; } }

/* Customer advice hub */
.guide-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin: 14px 0 40px; }
.guide-card { display: flex; flex-direction: column; text-decoration: none; color: var(--ink); background: linear-gradient(160deg, var(--sky), #fff 70%); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px 22px 18px; transition: transform .2s, box-shadow .2s; }
.guide-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.guide-n { font: 700 30px/1 Poppins, sans-serif; color: var(--yellow); -webkit-text-stroke: 1px var(--navy); margin-bottom: 12px; }
.guide-card h3 { font-size: 19px; margin-bottom: 6px; }
.guide-card p { font-size: 15.5px; color: var(--muted); flex: 1; }
.guide-go { font: 600 14.5px/1 Poppins, sans-serif; color: var(--link); }
.org-list { list-style: none; margin: 10px 0 30px; padding: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 0 28px; }
.org-list li { padding: 14px 0; border-bottom: 1px solid var(--line); }
.org-list a { font: 600 17px/1.3 Poppins, sans-serif; text-decoration: none; }
.org-list a::after { content: " ↗"; font-size: 14px; }
.org-list p { margin: 4px 0 0; font-size: 15px; color: var(--muted); }
/* Credit scores: agencies, myth/fact */
.cra-row { display: flex; flex-wrap: wrap; gap: 12px; margin: 6px 0 22px; }
.cra { font: 700 18px/1 Poppins, sans-serif; color: var(--navy); text-decoration: none; padding: 16px 26px; border: 2px solid var(--line); border-radius: 14px; }
.cra:hover { border-color: var(--blue); color: var(--link); }
.myth-flip { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin: 14px 0 34px; }
.mf { border-radius: var(--radius); overflow: hidden; border: 1px solid var(--line); }
.mf p { margin: 0; padding: 14px 18px; font-size: 15.5px; }
.mf span { display: block; font: 700 12px/1 Poppins, sans-serif; letter-spacing: .08em; text-transform: uppercase; margin-bottom: 6px; }
.mf-myth { background: #fdf0ef; color: #6b1d16; text-decoration: line-through; text-decoration-color: rgba(180, 35, 24, .35); }
.mf-myth span { color: #b42318; text-decoration: none; display: block; }
.mf-fact { background: #fff; }
.mf-fact span { color: #15703c; }
@media (max-width: 860px) { .guide-grid, .org-list, .myth-flip { grid-template-columns: 1fr; } }

/* Extra support: content + sticky request form */
.support-grid { display: grid; grid-template-columns: 1fr 380px; gap: 40px; align-items: start; }
.support-side .cb-card { margin: 0; position: sticky; top: 96px; box-shadow: var(--shadow); border: 1px solid var(--line); }
.chip-list { list-style: none; margin: 8px 0 30px; padding: 0; display: flex; flex-wrap: wrap; gap: 10px; }
.chip-list li { background: var(--sky); color: var(--navy); border-radius: 50px; padding: 9px 16px; font-size: 15px; font-weight: 500; }
.help-list { display: grid; gap: 0; margin: 6px 0 30px; border-top: 1px solid var(--line); }
.help-item { display: grid; grid-template-columns: 220px 1fr; gap: 18px; padding: 16px 0; border-bottom: 1px solid var(--line); }
.help-item h3 { font-size: 17px; margin: 0; }
.help-item p { margin: 0; font-size: 15.5px; color: var(--muted); }
@media (max-width: 980px) {
  .support-grid { grid-template-columns: 1fr; }
  .support-side .cb-card { position: static; }
}
@media (max-width: 600px) { .help-item { grid-template-columns: 1fr; gap: 4px; } }
.reviewed { margin: 18px 0 0; font-size: 14.5px; color: rgba(255, 255, 255, .85); }
.reviewed strong { color: #fff; }
/* "From our experience" box */
.experience { position: relative; background: var(--navy); color: #fff; border-radius: var(--radius); padding: 26px 30px 24px 30px; margin: 10px 0 34px; }
.experience-tag { display: inline-block; font: 600 12px/1 Poppins, sans-serif; letter-spacing: .08em; text-transform: uppercase; color: var(--navy); background: var(--yellow); padding: 7px 12px; border-radius: 50px; margin-bottom: 12px; }
.experience h3 { color: #fff; font-size: 20px; margin-bottom: 10px; }
.experience p { color: rgba(255, 255, 255, .9); margin-bottom: 10px; }
.experience p:last-child { margin-bottom: 0; }
.experience a { color: var(--yellow); }

/* About us: stat band, two chapters, company card */
.stat-band { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; margin: 0 0 40px; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; }
.stat-band div { padding: 22px 20px; text-align: center; }
.stat-band div + div { border-left: 1px solid var(--line); }
.stat-band strong { display: block; font: 700 38px/1.1 Poppins, sans-serif; color: var(--link); margin-bottom: 6px; }
.stat-band span { font-size: 14.5px; color: var(--muted); }
.chapters { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin-bottom: 36px; }
.chapter { border-radius: var(--radius); padding: 26px 28px; background: #f6f8fb; }
.chapter-now { background: var(--sky); border-top: 6px solid var(--yellow); }
.chapter-years { font: 600 13px/1 Poppins, sans-serif; letter-spacing: .08em; text-transform: uppercase; color: var(--link); margin-bottom: 10px; }
.chapter h2 { font-size: 24px; }
.chapter p { font-size: 16px; }
.chapter p:last-child { margin-bottom: 0; }
.company-card { border: 2px solid var(--navy); border-radius: var(--radius); padding: 24px 28px; margin: 10px 0 30px; }
.company-card h2 { font-size: 22px; }
.company-card dl { margin: 0; }
.company-card dl div { display: grid; grid-template-columns: 170px 1fr; gap: 14px; padding: 10px 0; border-bottom: 1px solid var(--line); }
.company-card dl div:last-child { border-bottom: 0; }
.company-card dt { font-weight: 600; color: var(--navy); }
.company-card dd { margin: 0; }
@media (max-width: 860px) {
  .stat-band { grid-template-columns: 1fr 1fr; }
  .stat-band div:nth-child(3) { border-left: 0; }
  .stat-band div:nth-child(n+3) { border-top: 1px solid var(--line); }
  .chapters { grid-template-columns: 1fr; }
  .company-card dl div { grid-template-columns: 1fr; gap: 2px; }
}
.cb-row-single { grid-template-columns: 1fr; }

/* Contact */
.route-list { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin: 6px 0 34px; }
.route { background: var(--sky); border-radius: 14px; padding: 16px 18px; }
.route h3 { font-size: 16.5px; margin-bottom: 4px; }
.route p { margin: 0; font-size: 15px; }
.contact-card { margin-top: 0; }
@media (max-width: 600px) { .route-list { grid-template-columns: 1fr; } }

/* Complaints */
.complain-ways { grid-template-columns: repeat(3, 1fr); }
.fos-card { background: var(--navy); color: #fff; border-radius: var(--radius); padding: 28px 30px; margin: 6px 0 36px; }
.fos-card h2 { color: var(--yellow); font-size: 24px; }
.fos-card p { color: rgba(255, 255, 255, .92); }
.fos-card strong { color: #fff; }
.fos-card a { color: var(--yellow); }
.fos-card dl { margin: 14px 0 0; display: grid; gap: 8px; }
.fos-card dl div { display: grid; grid-template-columns: 100px 1fr; gap: 12px; }
.fos-card dt { font-weight: 600; color: var(--yellow); }
.fos-card dd { margin: 0; }
.complaint-form-wrap { max-width: 640px; margin: 0 auto; }
.complaint-form-wrap .cb-card { margin: 0; border: 1px solid var(--line); box-shadow: var(--shadow); }
@media (max-width: 860px) { .complain-ways { grid-template-columns: 1fr; } .fos-card dl div { grid-template-columns: 1fr; gap: 0; } }

/* Privacy: at-a-glance summary */
.glance-box { background: var(--sky); border-left: 6px solid var(--blue); border-radius: 0 var(--radius) var(--radius) 0; padding: 22px 26px; margin-bottom: 28px; }
.glance-box h2 { font-size: 22px; margin-bottom: 10px; }
.glance-box ul { margin: 0; padding-left: 20px; display: grid; gap: 6px; }
.legal h2 { scroll-margin-top: 100px; margin-top: 34px; }
.legal h3 { font-size: 18px; margin-top: 20px; }

/* Terms: numbered sections with an "In short" line */
.terms-list { margin-top: 10px; }
.term { padding: 26px 0; border-bottom: 1px solid var(--line); scroll-margin-top: 90px; }
.term h2 { display: flex; align-items: center; gap: 14px; font-size: 23px; }
.term-n { flex: none; width: 38px; height: 38px; border-radius: 50%; background: var(--navy); color: var(--yellow); display: grid; place-items: center; font: 700 16px/1 Poppins, sans-serif; }
.term-short { background: #fff8d6; border-radius: 12px; padding: 12px 16px; font-weight: 600; color: var(--navy); margin: 4px 0 14px 52px; }
.term-short span { display: inline-block; font: 700 11.5px/1 Poppins, sans-serif; letter-spacing: .08em; text-transform: uppercase; color: var(--link); margin-right: 10px; }
.term-body { margin-left: 52px; max-width: 760px; }
@media (max-width: 600px) { .term-short, .term-body { margin-left: 0; } }
.toc-numbered ul { list-style: none; padding-left: 0; }

/* Loans hub: amount links */
.amount-links { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin: 10px 0 36px; }
.amount-link { display: flex; flex-direction: column; gap: 6px; text-decoration: none; background: var(--navy); color: #fff; border-radius: var(--radius); padding: 22px 22px 20px; transition: transform .2s, box-shadow .2s; }
.amount-link:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.amount-link strong { font: 700 36px/1 Poppins, sans-serif; color: var(--yellow); }
.amount-link span { font-size: 15.5px; color: rgba(255, 255, 255, .88); }
@media (max-width: 760px) { .amount-links { grid-template-columns: 1fr; } }

/* Accessibility helpers */
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0; }
.skip-link { position: absolute; left: 12px; top: -60px; z-index: 1000; background: var(--yellow); color: var(--navy); font: 600 15px/1 Poppins, sans-serif; padding: 12px 18px; border-radius: 0 0 10px 10px; text-decoration: none; }
.skip-link:focus { top: 0; }