/* ============ 5K Advance - site styles ============ */

:root {
  --blue: #1A56DB;
  --blue-500: #5BA3FF;
  --ink: #11223B;
  --ink-900: #0A1320;
  --pale: #E6F1FF;
  --line: #D3E5FB;
  --line-2: #C9DDF7;
  --white: #FFFFFF;
}

* { box-sizing: border-box; }

html {
  scroll-behavior: smooth;
  height: 100%;
  background: #FFFFFF;
}

body {
  margin: 0;
  min-height: 100%;
  height: auto;
  overflow-x: hidden;
  background: linear-gradient(180deg, #E6F1FF 0%, #FFFFFF 60%) no-repeat;
  font-family: Montserrat, system-ui, sans-serif;
  color: var(--ink);
}

img { max-width: 100%; }
a { color: var(--blue); }
a:hover { color: var(--ink); }
input, textarea, select { outline: none; font-family: inherit; }
input:focus-visible, textarea:focus-visible, select:focus-visible {
  outline: 2px solid var(--blue);
  outline-offset: 1px;
  border-color: var(--blue);
}
.faq-q:focus-visible, .consent-box:focus-visible {
  outline: 2px solid var(--blue);
  outline-offset: 2px;
}

/* Shared section padding: 1280px max content width */
.section-pad { padding-left: max(64px, calc(50% - 640px)); padding-right: max(64px, calc(50% - 640px)); }

.hidden { display: none !important; }

/* Screen-reader-only utility */
.visually-hidden {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0);
  white-space: nowrap; border: 0;
}

/* Honeypot */
.hp-field {
  position: absolute !important;
  left: -9999px !important;
  width: 1px; height: 1px;
  opacity: 0;
}

/* ============ Header ============ */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(230, 241, 255, .85);
  backdrop-filter: saturate(140%) blur(8px);
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 16px;
  padding-bottom: 12px;
}
.logo-link { display: block; line-height: 0; }
.site-header .logo { height: 52px; width: auto; display: block; }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: 0;
  padding: 8px;
  cursor: pointer;
}
.nav-toggle-bar { width: 24px; height: 2px; background: var(--ink); display: block; transition: transform .2s, opacity .2s; }
.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.main-nav { display: flex; align-items: center; gap: 8px; }
.nav-link {
  display: flex;
  align-items: center;
  gap: 4px;
  font: 600 14px Montserrat, sans-serif;
  color: var(--ink);
  text-decoration: none;
  padding: 9px 18px;
  border-radius: 999px;
}
.nav-link.active {
  font-weight: 700;
  color: var(--blue);
  background: var(--white);
}
.nav-link .lion { height: 11px; width: 9px; object-fit: contain; flex: none; display: block; }
.nav-link .lion-out { visibility: hidden; }
.nav-link:hover { background: var(--white); color: var(--blue); }
.nav-link:hover .lion-out { visibility: visible; }

/* ============ Hero ============ */
.hero {
  position: relative;
  padding-top: 48px;
  padding-bottom: 72px;
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 56px;
  align-items: center;
}
.hero-left { position: relative; display: flex; flex-direction: column; gap: 18px; }
.hero-title { font: 700 44px/1.12 Saira, sans-serif; color: var(--ink); letter-spacing: -.012em; margin: 0; }
.hero-title span { color: var(--blue); }
.hero-sub { font: 500 16px/1.6 Montserrat, sans-serif; color: var(--ink); opacity: .8; margin: 0; }
.trust-line { display: flex; align-items: center; gap: 12px; font: 600 13.5px Montserrat, sans-serif; color: var(--ink); }
.trust-line .dot { width: 10px; height: 10px; background: var(--blue); flex: none; }
.form-note { font: 500 12px Montserrat, sans-serif; color: var(--ink); opacity: .6; text-align: center; }

.hero-right { position: relative; z-index: 1; height: 560px; padding: 0 10px; }
.hero-img { width: 100%; height: 100%; object-fit: contain; display: block; }

.stat-card {
  position: absolute;
  border-radius: 6px;
  padding: 14px 22px;
  transform: skewX(-6deg);
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.stat-card .stat-inner { transform: skewX(6deg); display: flex; flex-direction: column; gap: 2px; }
.stat-dark { left: 36px; bottom: 16px; background: var(--ink); box-shadow: 0 14px 30px rgba(17,34,59,.25); }
.stat-dark .stat-value { font: 700 22px Saira, sans-serif; color: var(--white); }
.stat-dark .stat-label { font: 600 12px Montserrat, sans-serif; color: var(--blue-500); }
.stat-light { right: 36px; top: 8px; background: var(--white); border: 1px solid var(--line); box-shadow: 0 14px 34px rgba(17,34,59,.14); }
.stat-light .stat-value { font: 700 18px Saira, sans-serif; color: var(--blue); }
.stat-light .stat-label { font: 600 11.5px Montserrat, sans-serif; color: var(--ink); opacity: .7; }

/* ============ Request form ============ */
.form-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 6px;
  padding: 26px 28px;
  box-shadow: 0 20px 44px rgba(17,34,59,.12);
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.form-step { display: flex; flex-direction: column; gap: 14px; }
.form-step.hidden { display: none; }
.form-title { font: 700 18px Saira, sans-serif; color: var(--ink-900); }

.amount-input-wrap {
  display: flex;
  align-items: stretch;
  border: 1px solid var(--line-2);
  border-radius: 4px;
  overflow: hidden;
  background: var(--white);
}
.amount-input-wrap .currency {
  display: flex;
  align-items: center;
  padding: 0 16px;
  background: #F4F9FF;
  border-right: 1px solid var(--line-2);
  font: 700 15px Montserrat, sans-serif;
  color: var(--blue);
}
.amount-input-wrap input {
  flex: 1;
  min-width: 0;
  border: 0;
  padding: 14px 15px;
  font: 600 15px Montserrat, sans-serif;
  color: var(--ink-900);
  background: transparent;
}

.amount-grid { display: grid; grid-template-columns: repeat(6, 1fr); gap: 8px; }
.amount-chip {
  border: 1px solid var(--line-2);
  background: var(--white);
  padding: 8px 0;
  text-align: center;
  font: 700 12.5px Montserrat, sans-serif;
  color: var(--ink);
  cursor: pointer;
  border-radius: 4px;
}
.amount-chip.selected {
  border: 1.5px solid var(--blue);
  background: var(--pale);
  color: var(--blue);
  padding: 7px 0;
}

.purpose-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.purpose-chip {
  border: 1px solid var(--line-2);
  background: var(--white);
  padding: 14px 18px;
  text-align: left;
  font: 700 14px Montserrat, sans-serif;
  color: var(--ink);
  cursor: pointer;
  border-radius: 4px;
}
.purpose-chip.selected {
  border: 1.5px solid var(--blue);
  background: var(--pale);
  color: var(--blue);
  padding: 13px 17px;
}

.btn-primary {
  background: var(--blue);
  border: 0;
  border-radius: 4px;
  padding: 16px 0;
  text-align: center;
  font: 700 16px Montserrat, sans-serif;
  color: var(--white);
  cursor: pointer;
  width: 100%;
}
.btn-primary:hover { background: #1547b8; color: var(--white); }
.btn-primary.disabled { background: #9DB8DA; cursor: not-allowed; }
.btn-inline { display: inline-block; width: auto; padding: 14px 32px; text-decoration: none; border-radius: 999px; }
.btn-back {
  background: var(--white);
  border: 1px solid var(--line-2);
  border-radius: 4px;
  padding: 15px 28px;
  font: 700 14px Montserrat, sans-serif;
  color: var(--ink);
  cursor: pointer;
}
.form-nav { display: flex; gap: 10px; }
.form-nav .btn-primary { flex: 1; padding: 15px 0; font-size: 15px; }

.form-error { font: 600 12.5px Montserrat, sans-serif; color: #C0392B; }
.form-error:empty { display: none; }

.summary-bar { background: #F6FAFF; border: 1px solid var(--line); padding: 12px 16px; font: 600 13px Montserrat, sans-serif; color: var(--ink); border-radius: 4px; }
.summary-bar strong { color: var(--blue); font-weight: 700; }

.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.contact-grid input {
  border: 1px solid var(--line-2);
  border-radius: 4px;
  padding: 14px 15px;
  font: 500 14px Montserrat, sans-serif;
  color: var(--ink-900);
}
.contact-grid input.full { grid-column: 1 / -1; }

.consent-box {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  cursor: pointer;
  border: 1px solid var(--line);
  background: #F6FAFF;
  padding: 14px 16px;
  border-radius: 4px;
}
.consent-box .checkbox {
  width: 20px;
  height: 20px;
  flex: none;
  margin-top: 1px;
  border: 1.5px solid #9DB8DA;
  background: var(--white);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font: 700 13px Montserrat, sans-serif;
}
.consent-box.checked .checkbox { border-color: var(--blue); background: var(--blue); }
.consent-box.checked .checkbox::after { content: "\2713"; }
.consent-box .tcpa { font: 500 11px/1.65 Montserrat, sans-serif; color: var(--ink); opacity: .8; }
.consent-box .tcpa a { color: var(--blue); }
.form-fineprint { text-align: center; font: 600 11px Montserrat, sans-serif; color: var(--ink); opacity: .72; }

.done-panel { display: flex; flex-direction: column; gap: 14px; align-items: center; text-align: center; padding: 18px 0; }
.done-panel .done-check {
  width: 52px; height: 52px;
  background: var(--pale);
  border: 1.5px solid var(--blue);
  display: flex; align-items: center; justify-content: center;
  font: 700 24px Saira, sans-serif;
  color: var(--blue);
}
.done-panel .done-title { font: 700 22px Saira, sans-serif; color: var(--ink-900); }
.done-panel .done-text { font: 500 14px/1.7 Montserrat, sans-serif; color: var(--ink); opacity: .75; max-width: 420px; }
.done-panel .done-restart { font: 700 13px Montserrat, sans-serif; color: var(--blue); cursor: pointer; background: none; border: 0; }

/* ============ Trust badges ============ */
.trust-band {
  background: #D1E6FF;
  padding-top: 44px;
  padding-bottom: 44px;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 26px;
}
.trust-card { background: var(--ink); transform: skewX(-6deg); border-radius: 6px; padding: 20px 24px; }
.trust-card .inner { transform: skewX(6deg); display: flex; flex-direction: column; gap: 6px; }
.trust-card .value { font: 700 32px/1 Saira, sans-serif; color: var(--blue-500); }
.trust-card .label { font: 600 13px/1.5 Montserrat, sans-serif; color: var(--pale); }

/* ============ Section titles ============ */
.section-title { font: 700 32px/1.2 Saira, sans-serif; color: var(--ink); margin: 0; }
.section-sub { font: 500 15px/1.7 Montserrat, sans-serif; color: var(--ink); opacity: .75; }

/* ============ Three-step process ============ */
.process { padding-top: 72px; padding-bottom: 88px; display: flex; flex-direction: column; gap: 32px; }
.process-panel {
  background: var(--ink);
  border-radius: 6px;
  padding: 48px;
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  max-width: 80%;
  margin-left: auto;
  margin-right: auto;
}
.process .section-title { text-align: center; }
.process-col { display: flex; flex-direction: column; align-items: center; text-align: center; gap: 14px; }
.process-col:nth-child(1) { padding-right: 40px; border-right: 1px solid rgba(91,163,255,.25); }
.process-col:nth-child(2) { padding: 0 40px; border-right: 1px solid rgba(91,163,255,.25); }
.process-col:nth-child(3) { padding-left: 40px; }
.process-head { display: flex; flex-direction: column; align-items: center; gap: 14px; }
.process-head img { height: 80px; width: auto; display: block; }
.process-head .name { font: 700 21px Saira, sans-serif; color: var(--white); }
.process-col .desc { font: 500 14px/1.7 Montserrat, sans-serif; color: var(--pale); opacity: .85; }

/* ============ Who it helps ============ */
.payday { padding-top: 80px; padding-bottom: 80px; display: flex; flex-direction: column; gap: 36px; }
.payday-header { display: flex; flex-direction: column; gap: 8px; }
.payday-header .section-sub { max-width: 560px; }
.payday-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.payday-card {
  background: var(--line);
  overflow: hidden;
  clip-path: polygon(5% 0, 100% 0, 95% 100%, 0 100%);
  display: flex;
  flex-direction: column;
}
.payday-card-inner {
  background: var(--white);
  flex: 1;
  display: flex;
  flex-direction: column;
  clip-path: polygon(calc(5% + 1.5px) 1.5px, calc(100% - 1.5px) 1.5px, calc(95% - 1.5px) calc(100% - 1.5px), 1.5px calc(100% - 1.5px));
}
@supports (clip-path: shape(from 0 0, close)) {
  .payday-card {
    clip-path: shape(from 10.7% 0, line to 94.3% 0, curve to 99.7% 6% with 100% 0, line to 95.3% 94%, curve to 89.3% 100% with 95% 100%, line to 5.7% 100%, curve to 0.3% 94% with 0% 100%, line to 4.7% 6%, curve to 10.7% 0 with 5% 0, close);
  }
  .payday-card-inner {
    clip-path: shape(from 10.7% 1.5px, line to 94.3% 1.5px, curve to calc(99.7% - 1.5px) 6% with calc(100% - 1.5px) 1.5px, line to calc(95.3% - 1.5px) 94%, curve to 89.3% calc(100% - 1.5px) with calc(95% - 1.5px) calc(100% - 1.5px), line to 5.7% calc(100% - 1.5px), curve to calc(0.3% + 1.5px) 94% with calc(0% + 1.5px) calc(100% - 1.5px), line to calc(4.7% + 1.5px) 6%, curve to 10.7% 1.5px with calc(5% + 1.5px) 1.5px, close);
  }
}
.payday-card .photo {
  height: 150px;
  width: 100%;
  object-fit: cover;
  display: block;
}
.payday-card .body { padding: 22px 26px; display: flex; flex-direction: column; gap: 6px; }
.payday-card .title { display: flex; align-items: center; gap: 8px; font: 700 16px Saira, sans-serif; color: var(--ink); }
.payday-card .title .lion { height: 18px; width: 14px; object-fit: contain; flex: none; display: block; }
.payday-card .text { font: 500 13.5px/1.6 Montserrat, sans-serif; color: var(--ink); opacity: .72; }

/* ============ Tools ============ */
.tools { padding-top: 80px; padding-bottom: 80px; display: flex; flex-direction: column; gap: 36px; }
.tools.tools-listing { padding-top: 24px; padding-bottom: 40px; }
.tools-intro { padding-top: 8px; padding-bottom: 12px; }
.tools-header { display: flex; flex-direction: column; gap: 8px; }
.tools-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.tool-card { padding: 26px; display: flex; flex-direction: column; gap: 10px; border-radius: 6px; text-decoration: none; border: 1px solid transparent; }
.tool-card:hover { background: var(--white); border-color: var(--line); box-shadow: 0 14px 30px rgba(17,34,59,.10); }
.tool-card .icon { height: 64px; width: 64px; object-fit: contain; align-self: center; }
.tool-card .title { font: 700 16px Saira, sans-serif; color: var(--ink); text-align: center; }
.tool-card .text { font: 500 13px/1.6 Montserrat, sans-serif; color: var(--ink); opacity: .7; text-align: center; }
.tool-card .tool-btn {
  background: var(--blue);
  border: 0;
  border-radius: 999px;
  padding: 12px 0;
  margin: 20px 20px 0;
  text-align: center;
  font: 700 13px Montserrat, sans-serif;
  color: var(--white);
  cursor: pointer;
}
.tool-card:hover .tool-btn { background: #1547b8; }

/* ============ FAQ ============ */
.faq { padding-top: 80px; padding-bottom: 80px; display: flex; flex-direction: column; gap: 32px; align-items: center; }
.faq-header { display: flex; flex-direction: column; gap: 12px; align-items: center; text-align: center; max-width: 720px; }
.faq-list { display: flex; flex-direction: column; gap: 10px; max-width: 880px; width: 100%; }
.faq-item {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 6px;
  padding: 20px 24px;
  display: flex;
  gap: 18px;
  cursor: pointer;
}
.faq-chip {
  background: var(--pale);
  transform: skewX(-6deg);
  border-radius: 4px;
  padding: 6px 14px;
  align-self: flex-start;
  flex: none;
}
.faq-chip span { display: block; transform: skewX(6deg); font: 700 15px Saira, sans-serif; color: var(--blue); }
.faq-item.open .faq-chip { background: var(--blue); }
.faq-item.open .faq-chip span { color: var(--white); }
.faq-body { display: flex; flex-direction: column; gap: 8px; flex: 1; }
.faq-q {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  font: 700 16px Saira, sans-serif;
  color: var(--ink);
}
.faq-item.open .faq-q { color: var(--blue); }
.faq-q .mark { font: 700 22px Saira, sans-serif; color: var(--blue); line-height: 1; flex: none; }
.faq-a { font: 500 14px/1.7 Montserrat, sans-serif; color: var(--ink); opacity: .78; display: none; }
.faq-item.open .faq-a { display: block; }

/* ============ Final CTA ============ */
.final-cta { padding-top: 40px; padding-bottom: 40px; }
.cta-card {
  background: #F3F8FF;
  border: 1px solid var(--line);
  border-radius: 6px;
  transform: skewX(-6deg);
  padding: 24px 28px;
  margin: 0 26px;
}
.cta-inner { transform: skewX(6deg); display: grid; grid-template-columns: 1fr auto; gap: 32px; align-items: center; }
.cta-copy { display: flex; flex-direction: column; align-items: center; text-align: center; gap: 12px; justify-self: center; }
.cta-kicker { font: 700 15px Saira, sans-serif; color: var(--blue); letter-spacing: .04em; text-transform: uppercase; }
.cta-amount { font: 700 60px/1 Saira, sans-serif; color: var(--ink); }
.cta-amount span { color: var(--blue); }
.cta-text { font: 500 15px/1.6 Montserrat, sans-serif; color: var(--ink); opacity: .75; max-width: 460px; }
.cta-btn {
  background: var(--blue);
  border: 0;
  border-radius: 999px;
  padding: 16px 46px;
  font: 700 16px Montserrat, sans-serif;
  color: var(--white);
  cursor: pointer;
  margin-top: 8px;
}
.cta-btn:hover { background: #1547b8; color: var(--white); }
.cta-fineprint { font: 500 12px Montserrat, sans-serif; color: var(--ink); opacity: .72; }
.cta-img { height: 280px; width: auto; display: block; margin: 0 20px; }

/* ============ Footer ============ */
.site-footer {
  background: radial-gradient(600px 260px at 50% 0%, rgba(26,86,219,.45), transparent 70%), #0A1320;
  padding-top: 56px;
  padding-bottom: 36px;
  display: flex;
  flex-direction: column;
  gap: 32px;
  align-items: center;
}
.site-footer .logo { height: 56px; width: auto; display: block; }
.footer-cols { display: flex; gap: 120px; justify-content: center; }
.footer-col { display: flex; flex-direction: column; gap: 10px; }
.footer-col .col-title { font: 700 12px Saira, sans-serif; color: var(--blue-500); letter-spacing: .08em; text-transform: uppercase; }
.foot-link {
  display: flex;
  align-items: center;
  gap: 6px;
  font: 500 13.5px Montserrat, sans-serif;
  color: var(--pale);
  text-decoration: none;
  padding: 5px 12px;
  margin-left: -12px;
  border-radius: 999px;
  align-self: flex-start;
}
.foot-link .lion { height: 14px; width: 11px; object-fit: contain; flex: none; display: block; filter: brightness(0) invert(1); }
.foot-link .lion-w { visibility: hidden; }
.foot-link:hover { background: rgba(91,163,255,.18); color: var(--white); }
.foot-link:hover .lion-w { visibility: visible; }
.foot-link.active { font-weight: 700; color: var(--white); background: rgba(91,163,255,.18); }
.footer-disclosures {
  border-top: 1px solid rgba(91,163,255,.2);
  padding-top: 20px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  font: 500 11.5px/1.75 Montserrat, sans-serif;
  color: rgba(230,241,255,.55);
  text-align: center;
  max-width: 100%;
}
.footer-disclosures a { color: rgba(230,241,255,.8); }
.footer-disclosures a:hover { color: #FFFFFF; }

/* ============ Sub-page shared ============ */
.page-hero { padding-top: 40px; padding-bottom: 32px; display: flex; flex-direction: column; gap: 14px; }
.breadcrumbs { font: 600 12.5px Montserrat, sans-serif; color: var(--ink); opacity: .7; display: flex; flex-wrap: wrap; gap: 6px; }
.breadcrumbs a { color: var(--blue); text-decoration: none; }
.breadcrumbs a:hover { text-decoration: underline; }
.breadcrumbs .sep { opacity: .5; }
.page-title { font: 700 40px/1.12 Saira, sans-serif; color: var(--ink); margin: 0; letter-spacing: -.01em; }
.page-title span { color: var(--blue); }
.page-lead { font: 500 16px/1.7 Montserrat, sans-serif; color: var(--ink); opacity: .82; max-width: 720px; margin: 0; }
.page-lead.lead-full { max-width: 100%; }
.page-lead + .page-lead { margin-top: 14px; }

.prose { max-width: 760px; display: flex; flex-direction: column; gap: 16px; }
.prose.wide { max-width: 880px; }
.prose h2 { font: 700 26px/1.25 Saira, sans-serif; color: var(--ink); margin: 22px 0 0; }
.prose h3 { font: 700 19px/1.3 Saira, sans-serif; color: var(--ink); margin: 14px 0 0; }
.prose h3.prose-h2 { font: 700 26px/1.25 Saira, sans-serif; color: var(--ink); margin: 22px 0 0; }
.prose p { font: 500 15px/1.75 Montserrat, sans-serif; color: var(--ink); opacity: .86; margin: 0; }
.prose ul, .prose ol { font: 500 15px/1.75 Montserrat, sans-serif; color: var(--ink); opacity: .86; margin: 0; padding-left: 22px; display: flex; flex-direction: column; gap: 8px; }
.prose a { color: var(--blue); }
.prose strong { color: var(--ink); }

.content-section { padding-top: 8px; padding-bottom: 72px; }

.info-note {
  background: #F6FAFF;
  border: 1px solid var(--line);
  border-left: 3px solid var(--blue);
  border-radius: 4px;
  padding: 16px 18px;
  font: 500 13px/1.7 Montserrat, sans-serif;
  color: var(--ink);
  opacity: .9;
}

/* Notice cards (handler fallback pages) */
.page-narrow { max-width: 760px; margin: 0 auto; padding-top: 48px; padding-bottom: 72px; }
.notice-card { background: var(--white); border: 1px solid var(--line); border-radius: 6px; padding: 32px; display: flex; flex-direction: column; gap: 12px; }
.notice-card.notice-ok { border-left: 4px solid var(--blue); }
.notice-card.notice-error { border-left: 4px solid #C0392B; }
.notice-title { font: 700 26px Saira, sans-serif; color: var(--ink); margin: 0; }
.notice-card p { font: 500 15px/1.7 Montserrat, sans-serif; color: var(--ink); opacity: .85; margin: 0; }
.notice-card ul { font: 500 14px/1.7 Montserrat, sans-serif; color: var(--ink); }

/* ============ Calculator (tool pages) ============ */
.calc-layout { display: grid; grid-template-columns: 1.1fr .9fr; gap: 28px; padding-bottom: 24px; align-items: start; }
.calc-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 6px;
  padding: 28px;
  box-shadow: 0 20px 44px rgba(17,34,59,.10);
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.calc-field { display: flex; flex-direction: column; gap: 8px; }
.calc-field label { font: 700 13px Montserrat, sans-serif; color: var(--ink); display: flex; justify-content: space-between; align-items: baseline; gap: 12px; }
.calc-field .val { font: 700 15px Saira, sans-serif; color: var(--blue); }
.calc-field input[type="number"], .calc-field input[type="text"] {
  border: 1px solid var(--line-2);
  border-radius: 4px;
  padding: 12px 14px;
  font: 600 15px Montserrat, sans-serif;
  color: var(--ink-900);
  width: 100%;
}
.calc-field input[type="range"] { width: 100%; accent-color: var(--blue); }
.calc-toggle { display: flex; align-items: center; gap: 10px; font: 600 13px Montserrat, sans-serif; color: var(--ink); cursor: pointer; }
.calc-toggle input { width: 18px; height: 18px; accent-color: var(--blue); }

.results-card {
  background: var(--ink);
  border-radius: 6px;
  padding: 28px;
  display: flex;
  flex-direction: column;
  gap: 18px;
  position: sticky;
  top: 90px;
}
.results-card .results-title { font: 700 15px Saira, sans-serif; color: var(--blue-500); letter-spacing: .04em; text-transform: uppercase; }
.result-primary { display: flex; flex-direction: column; gap: 4px; }
.result-primary .r-value { font: 700 40px/1 Saira, sans-serif; color: var(--white); }
.result-primary .r-label { font: 600 12.5px Montserrat, sans-serif; color: var(--pale); opacity: .8; }
.result-rows { display: flex; flex-direction: column; gap: 10px; border-top: 1px solid rgba(91,163,255,.25); padding-top: 16px; }
.result-row { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; }
.result-row .rr-label { font: 500 13px Montserrat, sans-serif; color: var(--pale); opacity: .8; }
.result-row .rr-value { font: 700 15px Saira, sans-serif; color: var(--white); }
.calc-disclaimer { font: 500 12px/1.6 Montserrat, sans-serif; color: var(--pale); opacity: .6; }

.schedule-wrap { overflow-x: auto; }
.schedule-table { width: 100%; border-collapse: collapse; font: 500 13px Montserrat, sans-serif; }
.schedule-table th, .schedule-table td { text-align: right; padding: 8px 12px; border-bottom: 1px solid var(--line); white-space: nowrap; }
.schedule-table th { color: var(--ink); font-weight: 700; text-align: right; }
.schedule-table th:first-child, .schedule-table td:first-child { text-align: left; }
.schedule-toggle { background: none; border: 0; color: var(--blue); font: 700 13px Montserrat, sans-serif; cursor: pointer; padding: 0; align-self: flex-start; }

.tool-crosslinks { display: flex; flex-wrap: wrap; gap: 12px; }
.tool-crosslinks a {
  display: inline-flex; align-items: center; gap: 6px;
  border: 1px solid var(--line); border-radius: 999px;
  padding: 8px 16px; text-decoration: none; color: var(--ink);
  font: 700 13px Montserrat, sans-serif; background: var(--white);
}
.tool-crosslinks a:hover { border-color: var(--blue); color: var(--blue); }

/* ============ Contact ============ */
.contact-layout { display: grid; grid-template-columns: 1fr .9fr; gap: 36px; align-items: start; padding-bottom: 72px; }
.contact-form-card { background: var(--white); border: 1px solid var(--line); border-radius: 6px; padding: 28px; display: flex; flex-direction: column; gap: 16px; box-shadow: 0 20px 44px rgba(17,34,59,.10); }
.field-row { display: flex; flex-direction: column; gap: 6px; }
.field-row label { font: 700 13px Montserrat, sans-serif; color: var(--ink); margin-top: 10px; }
.field-row input, .field-row textarea {
  border: 1px solid var(--line-2); border-radius: 4px; padding: 12px 14px;
  font: 500 14px Montserrat, sans-serif; color: var(--ink-900); width: 100%;
}
.field-row textarea { min-height: 150px; resize: vertical; }
.contact-aside { display: flex; flex-direction: column; gap: 18px; }
.contact-aside .aside-card { background: #F6FAFF; border: 1px solid var(--line); border-radius: 6px; padding: 22px; display: flex; flex-direction: column; gap: 8px; }
.contact-aside .aside-card h2,
.contact-aside .aside-card h3 { font: 700 18px Saira, sans-serif; color: var(--ink); margin: 0; }
.contact-aside .aside-card p { font: 500 14px/1.7 Montserrat, sans-serif; color: var(--ink); opacity: .85; margin: 0; }
.contact-aside .aside-card a { color: var(--blue); font-weight: 600; }
.alert { border-radius: 4px; padding: 14px 16px; font: 600 13.5px/1.6 Montserrat, sans-serif; }
.alert-ok { background: #E7F6EC; border: 1px solid #B7E0C4; color: #1E7A44; }
.alert-error { background: #FCECEA; border: 1px solid #F3C6C0; color: #B03A2E; }
.alert ul { margin: 8px 0 0; padding-left: 18px; }

/* ============ Responsive ============ */
@media (max-width: 1024px) {
  .hero { grid-template-columns: 1fr; gap: 32px; }
  .hero-right { height: 420px; order: -1; }
  .calc-layout { grid-template-columns: 1fr; }
  .contact-layout { grid-template-columns: 1fr; }
  .results-card { position: static; }
  .cta-amount { font-size: 48px; }
}

@media (max-width: 860px) {
  .section-pad { padding-left: 24px; padding-right: 24px; }
  .nav-toggle { display: flex; }
  .main-nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    flex-direction: column;
    align-items: stretch;
    gap: 2px;
    background: var(--white);
    border-bottom: 1px solid var(--line);
    padding: 12px 24px 20px;
    box-shadow: 0 20px 30px rgba(17,34,59,.10);
  }
  .main-nav.open { display: flex; }
  .nav-link { padding: 12px 14px; border-radius: 6px; }
  .site-header { position: sticky; }

  .trust-band { grid-template-columns: 1fr 1fr; gap: 16px; }
  .process-panel { grid-template-columns: 1fr; gap: 28px; padding: 32px; max-width: 100%; }
  .process-col:nth-child(1), .process-col:nth-child(2), .process-col:nth-child(3) {
    padding: 0 0 24px; border-right: 0; border-bottom: 1px solid rgba(91,163,255,.22);
  }
  .process-col:nth-child(3) { padding-bottom: 0; border-bottom: 0; }
  .payday-grid { grid-template-columns: 1fr 1fr; }
  .tools-grid { grid-template-columns: 1fr 1fr; }
  .cta-inner { grid-template-columns: 1fr; }
  .cta-img { height: auto; width: auto; max-width: 100%; margin: 8px auto 0; }
  .footer-cols { gap: 64px; }
}

@media (max-width: 560px) {
  .hero-title { font-size: 34px; }
  .page-title { font-size: 30px; }
  .section-title { font-size: 26px; }
  .amount-grid { grid-template-columns: repeat(3, 1fr); }
  .purpose-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .trust-band { grid-template-columns: 1fr; gap: 14px; justify-items: center; }
  .trust-card { width: 100%; max-width: 260px; padding: 16px 22px; }
  .trust-card .inner { align-items: center; text-align: center; }
  .trust-card .value { font-size: 34px; }
  .trust-card .label { font-size: 13px; }
  .payday-grid { grid-template-columns: 1fr; justify-items: center; }
  .payday-card { width: 80%; max-width: 320px; }
  .tools-grid { grid-template-columns: 1fr; }
  .form-card { padding: 20px; }
  .stat-card { display: none; }
  .hero-right { height: 300px; }
  .cta-amount { font-size: 40px; }
  .cta-card { margin: 0; transform: none; }
  .cta-inner { transform: none; }
  .footer-cols { flex-direction: row; gap: 40px; }
  .process-panel { padding: 24px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; }
}