/* ===== Mini Money — Dark Glass Theme ===== */

:root{
  --bg-0:#05070d;
  --bg-1:#0a0f1c;
  --bg-2:#0d1424;
  --mint:#5EEBB0;
  --blue:#4FA6FF;
  --violet:#8B7CFF;
  --text-0:#F4F7FB;
  --text-1:#B7C2D6;
  --text-2:#7C89A3;
  --glass-bg:rgba(255,255,255,0.05);
  --glass-bg-2:rgba(255,255,255,0.08);
  --glass-border:rgba(255,255,255,0.12);
  --glass-border-strong:rgba(255,255,255,0.22);
  --radius:20px;
  --shadow-glow: 0 0 40px rgba(94,235,176,0.10), 0 0 80px rgba(79,166,255,0.08);
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
  background:
    radial-gradient(circle at 15% 8%, rgba(94,235,176,0.14) 0%, transparent 40%),
    radial-gradient(circle at 85% 15%, rgba(79,166,255,0.14) 0%, transparent 45%),
    radial-gradient(circle at 50% 90%, rgba(139,124,255,0.10) 0%, transparent 50%),
    var(--bg-0);
  color:var(--text-0);
  min-height:100vh;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}

a{color:inherit;text-decoration:none;}
img{max-width:100%;display:block;}

.wrap{max-width:1180px;margin:0 auto;padding:0 24px;}

/* ---- Glass utility ---- */
.glass{
  background:var(--glass-bg);
  border:1px solid var(--glass-border);
  border-radius:var(--radius);
  backdrop-filter:blur(20px) saturate(140%);
  -webkit-backdrop-filter:blur(20px) saturate(140%);
  box-shadow:var(--shadow-glow), inset 0 1px 0 rgba(255,255,255,0.06);
}
.glass-strong{
  background:var(--glass-bg-2);
  border:1px solid var(--glass-border-strong);
}

/* ---- Top compliance strip ----
   This carries the FCA-mandated high-cost credit risk warning. It must be
   at least as prominent as the promotional content around it, not visually
   de-emphasised — so it gets a solid warning-tinted background and full
   text-0 contrast rather than dim secondary text. */
.compliance-strip{
  position:sticky;top:0;z-index:60;
  background:rgba(255,180,80,0.12);
  backdrop-filter:blur(14px);
  -webkit-backdrop-filter:blur(14px);
  border-bottom:1px solid rgba(255,180,80,0.35);
  font-size:13px;
  font-weight:600;
  color:var(--text-0);
  padding:10px 0;
}
.compliance-strip .wrap{
  display:flex;flex-wrap:wrap;gap:6px 14px;align-items:center;justify-content:center;text-align:center;
}
.compliance-strip a{color:#FFD9A0;border-bottom:1px solid rgba(255,217,160,0.6);font-weight:700;}
.compliance-strip .sep{color:var(--text-2);opacity:.5;}

/* ---- Header ---- */
header.site-header{
  backdrop-filter:blur(18px);
  -webkit-backdrop-filter:blur(18px);
  background:rgba(5,7,13,0.55);
  border-bottom:1px solid rgba(255,255,255,0.06);
}
.header-inner{
  display:flex;align-items:center;justify-content:space-between;
  padding:16px 24px;
}
.logo{display:flex;align-items:center;gap:8px;font-weight:800;font-size:20px;letter-spacing:-0.02em;}
.logo-mark-img{
  height:30px;width:auto;display:block;
  filter:drop-shadow(0 0 14px rgba(94,235,176,0.45));
}
.logo-text span{background:linear-gradient(90deg,var(--mint),var(--blue));-webkit-background-clip:text;background-clip:text;color:transparent;}

nav.main-nav{display:flex;gap:26px;align-items:center;}
nav.main-nav a{
  font-size:14.5px;color:var(--text-1);font-weight:500;
  transition:color .2s ease;
}
nav.main-nav a:hover{color:var(--text-0);}

.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:12px 22px;border-radius:14px;font-weight:700;font-size:14.5px;
  cursor:pointer;border:1px solid transparent;transition:transform .15s ease, box-shadow .2s ease;
  white-space:nowrap;
}
.btn-primary{
  background:linear-gradient(135deg,var(--mint),var(--blue));
  color:#04140d;
  box-shadow:0 8px 30px rgba(94,235,176,0.30);
}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 12px 36px rgba(94,235,176,0.42);}
.btn-ghost{
  background:var(--glass-bg);
  border:1px solid var(--glass-border-strong);
  color:var(--text-0);
}
.btn-ghost:hover{background:var(--glass-bg-2);}
.btn-block{width:100%;}

/* ---- Hero ---- */
.hero{padding:48px 0 32px;position:relative;}
.hero-grid{display:grid;grid-template-columns:1.1fr 0.9fr;gap:48px;align-items:center;}
.hero h1{
  font-size:clamp(34px,5vw,54px);
  line-height:1.08;letter-spacing:-0.02em;margin:0 0 18px;
  font-weight:800;
}
.hero h1 .grad{
  background:linear-gradient(90deg,var(--mint),var(--blue),var(--violet));
  -webkit-background-clip:text;background-clip:text;color:transparent;
}
.hero p.lead{color:var(--text-1);font-size:17px;line-height:1.6;max-width:520px;margin-bottom:28px;}

.badge-row{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:28px;}
.badge{
  font-size:12.5px;padding:7px 13px;border-radius:100px;
  background:var(--glass-bg);border:1px solid var(--glass-border);
  color:var(--text-1);display:flex;align-items:center;gap:6px;
}
.badge .dot{width:6px;height:6px;border-radius:50%;background:var(--mint);box-shadow:0 0 8px var(--mint);}

/* ---- Quote form card ---- */
.quote-card{padding:28px;max-width:440px;}
.quote-card h3,.quote-heading{margin:0 0 18px;font-size:16px;color:var(--text-1);font-weight:600;}
.field{margin-bottom:18px;}
.field label{display:block;font-size:13px;color:var(--text-2);margin-bottom:8px;font-weight:600;text-transform:uppercase;letter-spacing:.04em;}
.amount-display{
  font-size:32px;font-weight:800;margin-bottom:10px;
  background:linear-gradient(90deg,var(--mint),var(--blue));
  -webkit-background-clip:text;background-clip:text;color:transparent;
}
input[type=range]{
  width:100%;height:6px;border-radius:6px;
  background:rgba(255,255,255,0.12);
  -webkit-appearance:none;appearance:none;
}
input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;width:22px;height:22px;border-radius:50%;
  background:linear-gradient(135deg,var(--mint),var(--blue));
  border:3px solid #05070d;cursor:pointer;
  box-shadow:0 0 14px rgba(94,235,176,0.6);
}
input[type=email], input[type=text], input[type=tel], textarea{
  width:100%;padding:13px 16px;border-radius:12px;
  background:rgba(255,255,255,0.04);
  border:1px solid var(--glass-border);
  color:var(--text-0);font-size:14.5px;font-family:inherit;
  outline:none;transition:border-color .2s ease, background .2s ease;
}
input::placeholder, textarea::placeholder{color:var(--text-2);}
input:focus, textarea:focus{
  border-color:rgba(94,235,176,0.5);
  background:rgba(94,235,176,0.05);
}
.form-error{
  background:rgba(255,90,90,0.10);
  border:1px solid rgba(255,90,90,0.35);
  color:#FF9B9B;font-size:13.5px;padding:12px 14px;border-radius:12px;margin-bottom:16px;
  display:none;
}
.form-error.show{display:block;}
.form-success{
  background:rgba(94,235,176,0.10);
  border:1px solid rgba(94,235,176,0.35);
  color:var(--mint);font-size:13.5px;padding:12px 14px;border-radius:12px;margin-bottom:16px;
}
.fine-print{font-size:11.5px;color:var(--text-2);margin-top:14px;line-height:1.5;text-align:center;}

/* ---- Phonexa embedded form (apply.html) ----
   Targets the real Phonexa/omForm class names observed on the live rendered DOM
   (inspected via browser console on minimoney.co.uk/apply.html). Phonexa's own
   stylesheet loads with real specificity, so these rules use !important throughout
   to guarantee the dark-glass theme wins. */
.phonexa-embed{
  width:100%;
  color:var(--text-0);
  font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif !important;
}
.phonexa-embed, .phonexa-embed *{
  box-sizing:border-box;
  font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif !important;
}

/* Hide Phonexa's own promotional copy that ships inside the form markup —
   we already have our own hero heading/subhead above the embed, so any
   duplicate "Apply for up to £5000 today!" text or the green
   "Fast Track Application" divider row should never render. */
.phonexa-embed h4,
.phonexa-embed .omFormTopSection > h4,
.phonexa-embed #omReApplyGreenRow,
.phonexa-embed .omReApplyGreenRow{
  display:none !important;
}

/* Overall form + step containers: let them use the full embed width instead of
   the ~490px/770px fixed widths Phonexa ships by default. */
.phonexa-embed .omForm,
.phonexa-embed .omFormContainer,
.phonexa-embed .omFormFrame,
.phonexa-embed .omFormContent,
.phonexa-embed .omFormTopSection,
.phonexa-embed .omFormBttmSection,
.phonexa-embed .form_width_770{
  width:100% !important;
  max-width:100% !important;
  background:transparent !important;
  box-shadow:none !important;
  border:none !important;
  margin:0 !important;
  padding:0 !important;
}

/* Column / row grid used inside each step — tightened gaps to reduce
   overall vertical/horizontal spacing throughout the embedded form. */
.phonexa-embed .omClmnsBox{
  display:flex !important;
  flex-wrap:wrap !important;
  gap:12px !important;
  width:100% !important;
  margin-bottom:12px !important;
}
.phonexa-embed .omClmn,
.phonexa-embed .omClmn_33,
.phonexa-embed .omClmn_50,
.phonexa-embed .omClmn_66,
.phonexa-embed .omFieldRow{
  width:auto !important;
  flex:1 1 220px !important;
  min-width:0 !important;
  max-width:none !important;
  padding:0 !important;
  margin:0 !important;
}
.phonexa-embed .omFieldRowTitle{
  font-size:13px !important;
  color:var(--text-2) !important;
  font-weight:600 !important;
  text-transform:uppercase !important;
  letter-spacing:.04em !important;
  margin-bottom:4px !important;
}

/* Labels */
.phonexa-embed .omLabel,
.phonexa-embed label{
  display:block !important;
  font-size:13px !important;
  color:var(--text-2) !important;
  margin-bottom:6px !important;
  font-weight:600 !important;
  text-transform:uppercase !important;
  letter-spacing:.04em !important;
  background:none !important;
}

/* Inputs, selects, textareas — the actual field classes */
.phonexa-embed input[type=text],
.phonexa-embed input[type=email],
.phonexa-embed input[type=tel],
.phonexa-embed input[type=number],
.phonexa-embed input[type=password],
.phonexa-embed input[type=date],
.phonexa-embed .omInputText,
.phonexa-embed .form-input,
.phonexa-embed select,
.phonexa-embed .omForm-dropdown,
.phonexa-embed textarea{
  width:100% !important;
  padding:11px 14px !important;
  border-radius:12px !important;
  background:rgba(255,255,255,0.04) !important;
  border:1px solid var(--glass-border) !important;
  color:var(--text-0) !important;
  font-size:14.5px !important;
  font-family:inherit !important;
  outline:none !important;
  box-shadow:none !important;
  transition:border-color .2s ease, background .2s ease;
  appearance:none;
  -webkit-appearance:none;
}
.phonexa-embed input::placeholder,
.phonexa-embed textarea::placeholder,
.phonexa-embed .omForm-dropdown-placeholder{
  color:var(--text-2) !important;
}
.phonexa-embed input:focus,
.phonexa-embed select:focus,
.phonexa-embed textarea:focus{
  border-color:rgba(94,235,176,0.5) !important;
  background:rgba(94,235,176,0.05) !important;
}
.phonexa-embed select,
.phonexa-embed .omForm-dropdown{
  background-image:linear-gradient(45deg, transparent 50%, var(--text-1) 50%),
                    linear-gradient(135deg, var(--text-1) 50%, transparent 50%) !important;
  background-position:calc(100% - 20px) calc(1em + 2px), calc(100% - 15px) calc(1em + 2px) !important;
  background-size:5px 5px, 5px 5px !important;
  background-repeat:no-repeat !important;
}

/* Checkboxes / consent blocks */
.phonexa-embed input[type=checkbox],
.phonexa-embed input[type=radio],
.phonexa-embed .omCheckboxCustom,
.phonexa-embed .check_box{
  width:auto !important;
  accent-color:var(--mint) !important;
  margin-right:8px !important;
}
.phonexa-embed .omCheckboxCustom-label,
.phonexa-embed .omQ-privacy-text{
  color:var(--text-2) !important;
  font-size:12.5px !important;
  line-height:1.6 !important;
}
.phonexa-embed .omQ-privacy-text a,
.phonexa-embed .doc_link,
.phonexa-embed .terms_link,
.phonexa-embed .privacy_link,
.phonexa-embed .unsubscribe_link{
  color:var(--mint) !important;
}

/* Buttons (submit / find address / confirm application) */
.phonexa-embed button,
.phonexa-embed input[type=submit],
.phonexa-embed input[type=button],
.phonexa-embed .omButton,
.phonexa-embed .omBttnFind,
.phonexa-embed .omReapplyButton,
.phonexa-embed .btn{
  display:inline-flex !important;
  align-items:center !important;
  justify-content:center !important;
  gap:8px !important;
  width:100% !important;
  padding:13px 22px !important;
  border-radius:14px !important;
  font-weight:700 !important;
  font-size:14.5px !important;
  cursor:pointer !important;
  border:1px solid transparent !important;
  background:linear-gradient(135deg,var(--mint),var(--blue)) !important;
  color:#04140d !important;
  box-shadow:0 8px 30px rgba(94,235,176,0.30) !important;
  transition:transform .15s ease, box-shadow .2s ease;
  font-family:inherit !important;
}
.phonexa-embed button:hover,
.phonexa-embed input[type=submit]:hover,
.phonexa-embed .omButton:hover{
  transform:translateY(-2px);
  box-shadow:0 12px 36px rgba(94,235,176,0.42) !important;
}
.phonexa-embed a{
  color:var(--mint) !important;
}

/* Info / highlight blocks Phonexa uses (blue banner, white confirm block, notes) —
   re-skin to glass panels instead of solid white/blue boxes. */
.phonexa-embed .omFormBlueBlock,
.phonexa-embed .omFormWhiteBlock,
.phonexa-embed .omReApplyBlueBg,
.phonexa-embed .omReApplyLoanConfirm,
.phonexa-embed .omDataOD{
  background:var(--glass-bg-2) !important;
  border:1px solid var(--glass-border-strong) !important;
  border-radius:16px !important;
  color:var(--text-0) !important;
  padding:20px !important;
  box-shadow:none !important;
}
.phonexa-embed .omFormBlueNote,
.phonexa-embed .omFormNote,
.phonexa-embed .omTooltip-text{
  color:var(--text-1) !important;
  background:transparent !important;
}
.phonexa-embed .omReApplyName,
.phonexa-embed .omReApplyGetHead{
  color:var(--mint) !important;
}
.phonexa-embed .omReApplyGreenRow{
  background:linear-gradient(135deg,var(--mint),var(--blue)) !important;
  color:#04140d !important;
  border-radius:12px !important;
}

/* Tooltips / help icons — keep visible but theme-matched */
.phonexa-embed .omTooltip-icon,
.phonexa-embed .omHelp-block{
  color:var(--mint) !important;
}

/* Misc text / notes that ship with light-mode colours by default */
.phonexa-embed p,
.phonexa-embed span,
.phonexa-embed div,
.phonexa-embed h3,
.phonexa-embed h4{
  color:inherit;
}
.phonexa-embed .omErrorPage,
.phonexa-embed .error,
.phonexa-embed .form-error,
.phonexa-embed .invalid-feedback{
  background:rgba(255,90,90,0.10) !important;
  border:1px solid rgba(255,90,90,0.35) !important;
  color:#FF9B9B !important;
  font-size:13.5px !important;
  padding:10px 14px !important;
  border-radius:12px !important;
  margin-top:6px !important;
}

/* Responsive: stack columns on narrow viewports, and let the widened
   desktop apply-card shrink back down on mobile. */
@media (max-width:640px){
  .phonexa-embed .omClmnsBox{
    flex-direction:column !important;
  }
  .phonexa-embed .omClmn,
  .phonexa-embed .omClmn_33,
  .phonexa-embed .omClmn_50,
  .phonexa-embed .omClmn_66{
    flex-basis:100% !important;
  }
  #applyCard{
    max-width:100% !important;
    padding:20px 18px !important;
  }
}

/* "Verify your date of birth" interstitial (omInterstitial) — separate component
   from the main omForm, ships with its own light styling by default. */
.phonexa-embed .omInterstitial{
  background:var(--glass-bg) !important;
  border:1px solid var(--glass-border) !important;
  border-radius:14px !important;
  color:var(--text-0) !important;
  padding:0 !important;
  overflow:hidden;
}
.phonexa-embed .omInterstitial-header{
  background:#0d1424 !important;
  color:var(--text-0) !important;
  border-radius:0 !important;
  padding:14px 18px !important;
  margin:0 !important;
}
.phonexa-embed .omInterstitial-header__title{
  color:var(--text-0) !important;
  font-weight:700 !important;
}
.phonexa-embed .omInterstitial-header__description{
  color:var(--text-1) !important;
}
.phonexa-embed .omInterstitial-content{
  background:transparent !important;
  border:none !important;
  border-radius:0 !important;
  overflow:visible;
  padding:14px 18px 18px !important;
}
.phonexa-embed .omInterstitial-item{
  background:transparent !important;
  margin-bottom:10px !important;
}
.phonexa-embed .omInterstitial-item:last-child{
  margin-bottom:0 !important;
}
.phonexa-embed .omInterstitial-field,
.phonexa-embed .omInterstitial-field_select{
  width:100% !important;
  padding:13px 16px !important;
  border-radius:12px !important;
  background:rgba(255,255,255,0.04) !important;
  border:1px solid var(--glass-border) !important;
  color:var(--text-0) !important;
  font-size:14.5px !important;
  font-family:inherit !important;
  appearance:none !important;
  -webkit-appearance:none !important;
}
.phonexa-embed .omInterstitial-field:focus{
  border-color:rgba(94,235,176,0.5) !important;
  background:rgba(94,235,176,0.05) !important;
}
.phonexa-embed .omInterstitial-button{
  display:inline-flex !important;
  align-items:center !important;
  justify-content:center !important;
  width:100% !important;
  padding:13px 22px !important;
  border-radius:14px !important;
  font-weight:700 !important;
  font-size:14.5px !important;
  cursor:pointer !important;
  border:1px solid transparent !important;
  background:linear-gradient(135deg,var(--mint),var(--blue)) !important;
  color:#04140d !important;
  box-shadow:0 8px 30px rgba(94,235,176,0.30) !important;
}
.phonexa-embed .omInterstitial-button:hover{
  transform:translateY(-2px);
  box-shadow:0 12px 36px rgba(94,235,176,0.42) !important;
}

/* Reapply page "Verify your date of birth" row wrapper — Phonexa ships a
   white->grey linear-gradient background-image on these column divs, which
   bleeds through the semi-transparent select fields above. Kill it, but
   leave .omReApplyLoanConfirm's intentional glass-panel background alone. */
.phonexa-embed .omReApplyLoanClmn33,
.phonexa-embed .omReApplyLoanCenter,
.phonexa-embed .omReApplyClmns,
.phonexa-embed .omReApplyClmnsAmount,
.phonexa-embed .omReApplymdl{
  background-image:none !important;
  background-color:transparent !important;
}
.phonexa-embed #omReApplyDobDay,
.phonexa-embed #omReApplyDobMonth,
.phonexa-embed #omReApplyDobYear,
.phonexa-embed #omReApplyAmount,
.phonexa-embed #omReaplyZip,
.phonexa-embed #omReaplyPhone{
  background-image:none !important;
  background-color:rgba(255,255,255,0.04) !important;
  color:var(--text-0) !important;
  border:1px solid var(--glass-border) !important;
}

/* ---- hero art ---- */
.hero-art{
  position:relative;height:420px;display:flex;align-items:center;justify-content:center;
}
.hero-art::before{
  content:'';
  position:absolute;
  width:75%;height:75%;
  border-radius:50%;
  background:radial-gradient(circle, rgba(94,235,176,0.14) 0%, rgba(139,124,255,0.10) 45%, transparent 75%);
  filter:blur(8px);
  z-index:0;
}
.hero-art img{
  position:relative;
  z-index:1;
  max-width:100%;
  max-height:100%;
  object-fit:contain;
  filter:drop-shadow(0 20px 60px rgba(94,235,176,0.18));
}
.orb{
  position:absolute;border-radius:50%;
  background:conic-gradient(from 180deg, rgba(94,235,176,0.5), rgba(79,166,255,0.5), rgba(139,124,255,0.5), rgba(94,235,176,0.5));
  filter:blur(2px);
  opacity:.85;
  box-shadow:0 0 60px rgba(94,235,176,0.35);
  animation:float 7s ease-in-out infinite;
}
.orb.o1{width:180px;height:180px;top:10px;left:20px;animation-delay:0s;}
.orb.o2{width:120px;height:120px;top:180px;right:20px;animation-delay:1.2s;}
.orb.o3{width:90px;height:90px;bottom:20px;left:80px;animation-delay:2.4s;}
@keyframes float{0%,100%{transform:translateY(0px);}50%{transform:translateY(-18px);}}

.phone-card{
  width:230px;height:340px;border-radius:34px;
  background:linear-gradient(160deg, rgba(255,255,255,0.10), rgba(255,255,255,0.02));
  border:1px solid var(--glass-border-strong);
  backdrop-filter:blur(24px);
  box-shadow:0 30px 80px rgba(0,0,0,0.55), inset 0 1px 0 rgba(255,255,255,0.15);
  position:relative;z-index:2;
  display:flex;flex-direction:column;align-items:center;justify-content:center;gap:14px;
}
.phone-card .coin{
  width:60px;height:60px;border-radius:50%;
  background:linear-gradient(135deg,var(--mint),var(--blue));
  display:flex;align-items:center;justify-content:center;
  font-weight:900;font-size:22px;color:#04140d;
  box-shadow:0 0 30px rgba(94,235,176,0.6);
}
.phone-card .amt{font-size:26px;font-weight:800;}
.phone-card .lbl{font-size:12px;color:var(--text-2);}

/* ---- Sections ---- */
section{padding:56px 0;}
.section-head{text-align:center;max-width:640px;margin:0 auto 38px;}
.section-head .kicker{
  color:var(--mint);font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;margin-bottom:12px;display:block;
}
.section-head h1, .section-head h2{font-size:clamp(26px,3.4vw,38px);margin:0 0 12px;letter-spacing:-0.02em;font-weight:800;}
.section-head p{color:var(--text-1);font-size:15.5px;line-height:1.6;}

.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
.step-card{padding:30px 26px;text-align:left;}
.step-num{
  width:40px;height:40px;border-radius:12px;
  background:linear-gradient(135deg,rgba(94,235,176,0.25),rgba(79,166,255,0.25));
  border:1px solid var(--glass-border-strong);
  display:flex;align-items:center;justify-content:center;
  font-weight:800;font-size:16px;color:var(--mint);margin-bottom:18px;
}
.step-card h3{margin:0 0 10px;font-size:18px;font-weight:700;}
.step-card p{margin:0;color:var(--text-1);font-size:14.5px;line-height:1.6;}

/* ---- About ---- */
.about-grid{display:grid;grid-template-columns:0.9fr 1.1fr;gap:48px;align-items:center;}
.about-visual{
  height:320px;position:relative;
  display:flex;align-items:center;justify-content:center;
}
.about-visual::before{
  content:'';
  position:absolute;
  width:70%;height:70%;
  border-radius:50%;
  background:radial-gradient(circle, rgba(79,166,255,0.16) 0%, rgba(94,235,176,0.08) 45%, transparent 75%);
  filter:blur(6px);
  z-index:0;
}
.about-visual img{
  position:relative;
  z-index:1;
  max-width:100%;
  max-height:100%;
  object-fit:contain;
  filter:drop-shadow(0 20px 50px rgba(79,166,255,0.20));
}
.about-copy h2{font-size:clamp(24px,3vw,32px);margin:0 0 16px;font-weight:800;letter-spacing:-0.02em;}
.about-copy p{color:var(--text-1);line-height:1.7;font-size:15.5px;margin-bottom:16px;}

/* ---- Author page ---- */
.author-hero{padding:48px 0 24px;}
.author-grid{display:grid;grid-template-columns:0.8fr 1.2fr;gap:48px;align-items:center;}
.author-photo-wrap{
  position:relative;
  display:flex;align-items:center;justify-content:center;
  height:400px;
}
.author-photo-wrap::before{
  content:'';
  position:absolute;
  width:75%;height:75%;
  border-radius:50%;
  background:radial-gradient(circle, rgba(79,166,255,0.18) 0%, rgba(94,235,176,0.10) 45%, transparent 75%);
  filter:blur(8px);
  z-index:0;
}
.author-photo{
  position:relative;z-index:1;
  width:260px;height:260px;border-radius:50%;overflow:hidden;
  border:3px solid var(--glass-border-strong);
  box-shadow:0 20px 60px rgba(79,166,255,0.22), inset 0 1px 0 rgba(255,255,255,0.08);
}
.author-photo img{
  width:100%;height:100%;object-fit:cover;display:block;
}
.author-copy h1{font-size:clamp(28px,4vw,42px);margin:0 0 16px;font-weight:800;letter-spacing:-0.02em;}
.author-copy p.lead{color:var(--text-1);font-size:16.5px;line-height:1.7;margin-bottom:16px;}
.author-copy p{color:var(--text-1);line-height:1.75;font-size:15.5px;margin-bottom:14px;}

/* Active nav link */
.main-nav a.active{color:var(--mint);}

@media (max-width:900px){
  .author-grid{grid-template-columns:1fr;text-align:center;}
  .author-photo-wrap{height:280px;margin-bottom:8px;}
  .author-photo{width:200px;height:200px;}
}

/* ---- FAQ ---- */
.faq-list{max-width:760px;margin:0 auto;display:flex;flex-direction:column;gap:12px;}
.faq-item{padding:0;overflow:hidden;}
.faq-q{
  padding:20px 24px;display:flex;align-items:center;justify-content:space-between;
  cursor:pointer;font-weight:600;font-size:15.5px;
  margin:0;color:var(--text-0);
}
.faq-q .chevron{
  width:26px;height:26px;border-radius:8px;background:var(--glass-bg-2);
  display:flex;align-items:center;justify-content:center;transition:transform .25s ease;
  flex-shrink:0;margin-left:16px;
}
.faq-item.open .chevron{transform:rotate(45deg);}
.faq-a{
  max-height:0;overflow:hidden;transition:max-height .3s ease;
  color:var(--text-1);font-size:14.5px;line-height:1.7;
}
.faq-item.open .faq-a{max-height:400px;}
.faq-a-inner{padding:0 24px 22px;}

/* ---- Contact ---- */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start;}
.contact-card{padding:34px;}
.contact-card h2{margin:0 0 8px;font-size:24px;font-weight:800;}
.contact-card p.sub{color:var(--text-1);margin:0 0 26px;font-size:14.5px;}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:14px;}
.info-card{padding:34px;}
.info-card h3{margin:0 0 18px;font-size:18px;font-weight:700;}
.info-row{display:flex;gap:14px;margin-bottom:18px;align-items:flex-start;}
.info-icon{
  width:38px;height:38px;border-radius:10px;flex-shrink:0;
  background:var(--glass-bg-2);border:1px solid var(--glass-border);
  display:flex;align-items:center;justify-content:center;color:var(--mint);font-size:16px;
}
.info-row div p{margin:0;color:var(--text-1);font-size:14px;line-height:1.6;}
.info-row div .lbl{color:var(--text-2);font-size:12px;text-transform:uppercase;letter-spacing:.04em;margin-bottom:4px;font-weight:600;}
.map-embed{
  margin-top:20px;border-radius:14px;overflow:hidden;
  border:1px solid var(--glass-border);
  background:#1a1a1a;
}
/* Google's no-API-key embed has no native dark theme, so we invert + rotate
   hue to fake one: invert(90%) flips the light basemap to dark while
   hue-rotate(180deg) corrects the resulting colour inversion (roads/water/
   labels land back closer to their natural colours instead of looking
   like a photo negative). */
.map-embed iframe{
  display:block;
  filter:invert(90%) hue-rotate(180deg) brightness(0.95) contrast(0.9);
}

/* ---- Footer ---- */
footer{
  border-top:1px solid rgba(255,255,255,0.06);
  padding:48px 0 28px;margin-top:20px;
  background:rgba(255,255,255,0.02);
}
.footer-legal{color:var(--text-2);font-size:12.5px;line-height:1.8;max-width:900px;margin-bottom:28px;}
.footer-legal b{color:var(--text-1);}
.footer-links{
  display:flex;flex-wrap:wrap;gap:10px 22px;
  padding-top:22px;border-top:1px solid rgba(255,255,255,0.06);
}
.footer-links a{font-size:13.5px;color:var(--text-1);}
.footer-links a:hover{color:var(--mint);}
.footer-brand{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:16px;margin-bottom:24px;}
.footer-brand small{color:var(--text-2);}

/* ---- warning bar (like RightLend's risk banner) ---- */
.risk-banner{
  margin-top:20px;padding:14px 20px;border-radius:16px;
  background:rgba(255,180,80,0.08);
  border:1px solid rgba(255,180,80,0.25);
  color:#FFD9A0;font-size:12.5px;line-height:1.6;
}
.risk-banner a{color:#FFE7BD;text-decoration:underline;}

/* ---- Quote pop-out modal (SEO/guide pages) ----
   Same field set and submit target as the homepage hero form — this modal
   is purely a UI convenience for pages without the hero, it doesn't create
   a second/divergent lead path. */
#quoteModal{
  position:fixed;inset:0;z-index:200;
  display:none;
  align-items:center;justify-content:center;
  padding:20px;
}
#quoteModal.open{display:flex;}
#quoteModalBackdrop{
  position:absolute;inset:0;
  background:rgba(5,7,13,0.72);
  backdrop-filter:blur(4px);
  -webkit-backdrop-filter:blur(4px);
}
.quote-modal-card{
  position:relative;
  width:100%;max-width:440px;
  padding:32px 28px;
  z-index:1;
}
.quote-modal-close{
  position:absolute;top:14px;right:14px;
  width:32px;height:32px;border-radius:10px;
  background:var(--glass-bg-2);
  border:1px solid var(--glass-border);
  color:var(--text-1);
  font-size:18px;line-height:1;
  display:flex;align-items:center;justify-content:center;
  cursor:pointer;
}
.quote-modal-close:hover{color:var(--text-0);background:var(--glass-bg-2);}
.quote-modal-card h3{margin:0 0 6px;font-size:19px;font-weight:800;}
.quote-modal-card p.modal-sub{color:var(--text-1);font-size:13.5px;margin:0 0 20px;}

/* ---- SEO/guide article pages ---- */
.article-hero{padding:48px 0 8px;}
.breadcrumb{font-size:13px;color:var(--text-2);margin-bottom:20px;}
.breadcrumb a{color:var(--text-2);border-bottom:none;}
.breadcrumb a:hover{color:var(--mint);}
.breadcrumb span[aria-current]{color:var(--text-1);}
.article-hero .kicker{color:var(--mint);font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;margin-bottom:14px;display:block;}
.article-hero h1{font-size:clamp(28px,4vw,42px);line-height:1.15;letter-spacing:-0.02em;margin:0 0 16px;font-weight:800;}
.article-hero .article-meta{color:var(--text-2);font-size:13.5px;margin-bottom:0;}
.article-author{color:var(--text-1);font-weight:600;}
.article-visual{
  height:220px;position:relative;
  display:flex;align-items:center;justify-content:center;
  margin:28px 0 8px;
}
.article-visual::before{
  content:'';
  position:absolute;
  width:60%;height:80%;
  border-radius:50%;
  background:radial-gradient(circle, rgba(94,235,176,0.14) 0%, rgba(79,166,255,0.09) 45%, transparent 75%);
  filter:blur(10px);
  z-index:0;
}
.article-visual img{
  position:relative;z-index:1;
  max-height:100%;object-fit:contain;
  filter:drop-shadow(0 16px 40px rgba(94,235,176,0.16));
}
.article-body{max-width:740px;margin:0 auto;padding:0 0 20px;}
.article-body h2{font-size:24px;font-weight:800;margin:36px 0 14px;letter-spacing:-0.01em;}
.article-body h3{font-size:18px;font-weight:700;margin:24px 0 10px;}
.article-body p{color:var(--text-1);font-size:15.5px;line-height:1.75;margin-bottom:16px;}
.article-body ul, .article-body ol{color:var(--text-1);font-size:15.5px;line-height:1.75;margin:0 0 16px;padding-left:22px;}
.article-body li{margin-bottom:8px;}
.article-body a{color:var(--mint);border-bottom:1px dotted rgba(94,235,176,0.4);}
.article-body .btn-primary{color:#04140d;border-bottom:none;}
.article-body strong{color:var(--text-0);}
.article-cta-inline{
  margin:32px 0;padding:26px;text-align:center;
}
.article-cta-inline h3{margin:0 0 8px;}
.article-cta-inline p{margin:0 0 18px;}
.article-related{margin:44px 0 0;}
.article-related h3{margin:0 0 16px;}
.article-related-list{list-style:none;padding:0;margin:0;display:grid;gap:10px;}
.article-related-list a{
  display:block;padding:14px 18px;border-radius:14px;
  color:var(--text-0);border-bottom:none;
}

/* ---- Guides hub page (guides.html) ---- */
#guides-hub{padding-top:8px;}
.guides-category{margin-bottom:36px;}
.guides-category h2{font-size:19px;margin:0 0 16px;}
.guides-hub-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:18px;}
.guides-hub-grid .guide-card{
  padding:22px 22px;text-decoration:none;display:flex;flex-direction:column;height:auto;
}
.guides-hub-grid .guide-card h3{margin:0 0 8px;font-size:16px;font-weight:700;color:var(--text-0);}
.guides-hub-grid .guide-card p{margin:0;color:var(--text-1);font-size:13.5px;line-height:1.55;}
.guides-disclaimer{font-size:12.5px;color:var(--text-2);margin-top:28px;line-height:1.6;}
.guides-disclaimer a{color:var(--text-2);}
@media (max-width:700px){
  .quote-modal-card{padding:26px 20px;}
}

/* ---- Guides carousel ("Learn before you borrow") ----
   Horizontally scrollable card row at every viewport width — avoids the
   inline-style-vs-media-query specificity bug that squashed the old 3-col
   grid on mobile. Scroll-snap gives clean card-by-card paging; the prev/next
   buttons are a convenience for pointer/desktop users, touch users can just
   swipe. */
.guide-carousel-wrap{
  position:relative;
  margin-top:8px;
}
.guide-carousel-wrap::before,
.guide-carousel-wrap::after{
  content:'';
  position:absolute;
  top:0;bottom:20px;
  width:40px;
  z-index:2;
  pointer-events:none;
}
.guide-carousel-wrap::before{
  left:0;
  background:linear-gradient(90deg, var(--bg-0) 0%, transparent 100%);
}
.guide-carousel-wrap::after{
  right:0;
  background:linear-gradient(270deg, var(--bg-0) 0%, transparent 100%);
}
.guide-carousel{
  display:flex;
  gap:20px;
  overflow-x:auto;
  scroll-snap-type:x mandatory;
  scroll-padding-left:24px;
  padding:4px 24px 20px;
  -webkit-overflow-scrolling:touch;
  scrollbar-width:thin;
  scrollbar-color:rgba(94,235,176,0.35) transparent;
  cursor:grab;
  user-select:none;
}
.guide-carousel:active{cursor:grabbing;}
.guide-carousel::-webkit-scrollbar{height:6px;}
.guide-carousel::-webkit-scrollbar-thumb{background:rgba(94,235,176,0.35);border-radius:6px;}
.guide-carousel::-webkit-scrollbar-track{background:transparent;}
.guide-card{
  flex:0 0 280px;
  scroll-snap-align:start;
  padding:26px 24px;
  text-decoration:none;
  display:flex;
  flex-direction:column;
}
.guide-card h3{margin:0 0 10px;font-size:17px;font-weight:700;color:var(--text-0);}
.guide-card p{margin:0;color:var(--text-1);font-size:14px;line-height:1.6;}
.guide-carousel-nav{
  display:flex;
  justify-content:center;
  gap:12px;
  margin-top:4px;
}
.guide-carousel-btn{
  width:40px;height:40px;border-radius:50%;
  background:var(--glass-bg);
  border:1px solid var(--glass-border-strong);
  color:var(--text-0);
  font-size:20px;
  cursor:pointer;
  display:flex;align-items:center;justify-content:center;
  transition:background .2s ease, transform .15s ease;
}
.guide-carousel-btn:hover{background:var(--glass-bg-2);transform:translateY(-1px);}
.guide-carousel-btn:active{transform:translateY(0);}

/* ---- Sticky mobile bottom CTA ----
   Hidden by default (desktop); shown fixed to the viewport bottom only on
   small screens where the hero form/CTA can scroll out of easy reach. */
.mobile-sticky-cta{
  display:none;
}
@media (max-width:700px){
  .mobile-sticky-cta{
    display:block;
    position:fixed;
    left:0;right:0;bottom:0;
    z-index:150;
    padding:12px 16px calc(12px + env(safe-area-inset-bottom));
    background:rgba(5,7,13,0.88);
    backdrop-filter:blur(16px);
    -webkit-backdrop-filter:blur(16px);
    border-top:1px solid rgba(255,255,255,0.08);
    box-shadow:0 -8px 30px rgba(0,0,0,0.35);
  }
  .mobile-sticky-cta .btn{
    padding:14px 22px;
    font-size:15px;
  }
  /* Leave room at the bottom of the page so the sticky bar never covers
     the footer's final content/links. */
  footer{padding-bottom:88px;}
}

/* Hide the header's own quote CTA on small screens only on pages that also
   have the sticky bottom bar — avoids two competing "Get free quote"
   buttons stacked at the top of the mobile viewport, without leaving pages
   that intentionally have no sticky bar (e.g. apply.html) without any CTA. */
@media (max-width:700px){
  body:has(.mobile-sticky-cta) header.site-header .header-inner > a.btn{display:none;}
}

@media (max-width:900px){
  .hero-grid, .about-grid, .contact-grid{grid-template-columns:1fr;}
  .steps-grid{grid-template-columns:1fr;}
  .field-row{grid-template-columns:1fr;}
  nav.main-nav{display:none;}
  .hero-art{height:300px;margin-top:20px;}
}