:root {
    --c-white: #fff;
    --c-text: #1f2d3d;
    --c-text-muted: #646363;
    --c-text-soft: #ccc;
    --c-heading: #2b3b4e;
    --c-accent: #003f91;
    --c-star: #585858;
    --c-highlight-bg: #D3DFF5;
    --c-cta: #F3CC53;
    --c-border-light: #f5f5f5;
    --c-border-sidebar: #cedee0;
    --c-scrollbar: #b8c3d1;
    --c-scrollbar-hover: #9eacbf;
    --c-rule: #bfbfbf;

    --shadow-card: rgba(100, 100, 111, 0.2) 0px 7px 29px 0px;

    --radius-sm: 4px;

    --transition-fast: .2s;
}

.company__row_m {
    margin: 1.5em 0;
}
@media (min-width: 768px) {
    .company__row_m {
        margin: 1.5em -10px;
    }
}
.company__row_m .company__card {
    flex: 0 0 100%;
    max-width: initial;
    text-align: left;
}
@media (min-width: 768px) {
    .company__row_m .company__card {
        flex: 0 0 calc(50% - 20px);
        max-width: calc(50% - 20px);
    }
    .company__row_m .newcard_50 {
        flex: 0 0 calc(50% - 20px);
        max-width: calc(50% - 20px);
    }
}
@media (min-width: 1025px) {
    .company__row_m .company__card {
        flex: 0 0 calc(33.333% - 20px);
        max-width: calc(33.333% - 20px);
    }
    .company__row_m .newcard_50 {
        flex: 0 0 calc(50% - 20px);
        max-width: calc(50% - 20px);
    }
}

.newcard {
    display: flex;
    flex-direction: column;
    background-color: var(--c-white);
    box-shadow: var(--shadow-card);
    border-radius: var(--radius-sm);
    margin: 0 10px 30px;
}

.newcard__head {
    background-color: var(--c-highlight-bg);
    border-radius: var(--radius-sm) var(--radius-sm) 0 0;
    display: flex;
    align-items: center;
    gap: 20px;
    padding: 10px 20px;
    white-space: nowrap;
}
.newcard__head-name {
    font-size: 18px;
    font-weight: bold;
    border-bottom: 1px solid currentColor;
    transition: var(--transition-fast);
}
.newcard__head-name:hover {
    border-color: transparent;
}
.newcard__head-lbl {
    margin-left: auto;
    font-size: 14px;
}
.newcard__head-stars {
    margin-left: auto;
}
.newcard__head-stars span{
    color: var(--c-star);
}
.newcard__head-stars .icon-star-empty {
    color: var(--c-star);
}
.newcard__body {
    display: flex;
    flex-direction: column;
    flex-basis: 100%;
    gap: 20px;
    padding: 20px;
}
.newcard__row {
    display: flex;
}
.newcard__left {
    flex: 0 0 50%;
    max-width: 50%;
    padding-right: 10px;
}
.newcard__right {
    flex: 0 0 50%;
}
.newcard__info-list {
    display: flex;
    flex-direction: column;
    gap: 10px;
}
.newcard__info-list_g {
    gap: 20px;
}
.newcard__info {
    display: flex;
    flex-direction: column;
    line-height: 1.2;
    font-size: 14px;
    gap: 5px;
}
.newcard__info-lbl {
    font-size: 12px;
    color: var(--c-text-muted);
}

.newcard__lined {
    width: 100%;
    border-top: 1px solid var(--c-border-light);
    padding-top: 20px;
}
.newcard__date {
    font-size: 12px;
    line-height: 1;
    color: var(--c-text-soft);
}
.newcard__button {
    margin-top: auto;
}
.newcard__btn {
    display: flex;
    align-items: center;
    justify-content: center;
    text-align: center;
    font-size: 16px;
    font-weight: bold;
    background-color: var(--c-cta);
    border-radius: var(--radius-sm);
    padding: 14px;
    line-height: 1.25;
}
.newcard__content {
    font-size: 14px;
}
.content-wrap {
    width: 100%;
    max-width: 1170px;
    margin: 0 auto;
    display: flex;
    gap: 30px;
    padding: 0 15px;
}
.content-wrap_mt {
    margin-top: 30px;
}
.content-wrap_mb {
    margin-bottom: 50px
}
.content__head_m {
    margin: 0;
}
.content_pb {
    padding-bottom: 40px;
}
@media (min-width: 768px) {
    .content__head_m {
        border-radius: .3em;
    }
}
.content-wrap__left {
    display: none;
}

@media screen and (min-width: 992px) {
    .content-wrap__left {
        flex: 0 0 260px;
        display: block;
    }
}
.content-wrap__body {
    flex: 1 1 100%;
}

.content-wrap__body_bg {
    border: 1px solid #cedee0;
    border-radius: .3em;
    padding: 0 15px;
    background-color: var(--c-white);
}

.content-wrap__sidebar {
    position: sticky;
    top: 20px;
    border-radius: var(--radius-sm);
    border: 1px solid var(--c-border-sidebar);
    background-color: var(--c-white);
}
.content-wrap__sidebar h3 {
    font-size: 16px;
    margin: 0;
    border-bottom: 1px solid var(--c-border-light);
    padding: 15px 20px;
    line-height: 1;
    color: var(--c-heading);
}
.fast-nav {
    padding: 20px 20px 20px 12px;
    max-height: 50vh;
    overflow: auto;
    scrollbar-width: thin;
    scrollbar-color: var(--c-scrollbar) transparent;
    display: flex;
    flex-direction: column;
    gap: 10px;
}
.fast-nav::-webkit-scrollbar {
    width: 6px;
}
.fast-nav::-webkit-scrollbar-track {
    background: transparent;
}
.fast-nav::-webkit-scrollbar-thumb {
    background-color: var(--c-scrollbar);
    border-radius: var(--radius-sm);
}
.fast-nav::-webkit-scrollbar-thumb:hover {
    background-color: var(--c-scrollbar-hover);
}
.fast-nav ol{
    list-style: none;
    padding: 0;
    margin: 0;
    display: flex;
    flex-direction: column;
    gap: 10px;
}
.fast-nav li {
    font-size: 14px;
    line-height: 1.35;
}
.fast-nav a {
    display: block;
    border-left: 2px solid transparent;
    padding-left: 10px;
}
.fast-nav a.is-active,
.fast-nav a[aria-current="true"] {
    color: var(--c-accent);
    text-decoration: none;
    border-color: var(--c-accent);
}
.fast-nav a:hover {
    color: var(--c-accent);
}


.textcontent {
    color: var(--c-text);
    font-size: 16px;
    line-height: 1.5;
}
.textcontent > * {
    margin-top: 0;
    margin-bottom: 0;
}
.textcontent > * + * {
    margin-top: 1em;
}
.textcontent h2,
.textcontent h3 {
    line-height: 1.3;
}
.textcontent h2 {
    margin-top: 1.3em;
}
.textcontent h3 {
    margin-top: 1em;
}
.textcontent ul,
.textcontent ol {
    padding-left: 1.2em;
}
.textcontent li + li {
    margin-top: 0.45em;
}
.textcontent p,
.textcontent ol li,
.textcontent ul li {
    font-size: 1em;
    line-height: inherit;
}
#toc1 {
    margin-top: 0;
}
.content .textcontent li a,
.content .textcontent p a {
    color: var(--c-accent);
    text-decoration: none;
    border-bottom: 1px solid currentColor;
    transition: var(--transition-fast);
}
.content .textcontent li a:hover,
.content .textcontent p a:hover {
    border-color: transparent;
}


/* changes after 2june 2026 */
.no-bottom-radius{
    border-bottom-left-radius: 0px!important;
    border-bottom-right-radius: 0px!important;
}
.no-top-radius{
    border-top-left-radius: 0px!important;
    border-top-right-radius: 0px!important;
}
.no-top-margin{
    margin-top: 0px!important;
}
.expert-opinion {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    gap: 30px;

    border-top: 1px solid gainsboro;
    border-bottom: 1px solid gainsboro;

    padding: 25px 0;
    margin: 30px 0;
}

.expert-opinion__content {
    flex: 1;
}

.expert-opinion__content h3 {
    margin: 0 0 15px;
    /* font-size: 20px;
    font-weight: 700; */
}

.expert-opinion__content blockquote {
    margin: 0;
    padding: 0;
    border: 0;
    font-style: italic;
}

.expert-opinion__image {
    width: 230px;
    flex-shrink: 0;
}

.expert-opinion__image img {
    display: block;
    width: 100%;
    height: auto;
    border-radius: 6px;
}
.content .content__col li a{
  color: #0021d2;
  text-decoration: underline;
}
.content .content__col li a:hover {
  text-decoration: none;
}
.expert-heading{
  margin-top: 0px!important;
}
.expert-opinion__name {
    margin: 0;
    text-align: center;
    font-size: 16px;
    margin-top: 10px;
}
.expert-opinion__position {
    text-align: center;
    font-size: 16px;
    margin-top: 5px;
}
@media (max-width: 767px) {
    .expert-opinion {
        flex-direction: column-reverse;
        text-align: center;
    }
    .expert-opinion__content,
    .expert-opinion__image {
        width: 100%;
    }
    .expert-opinion__image {
        margin-bottom: 20px;
    }
    .expert-heading,
    .founder-comment,
    .expert-opinion__position {
        text-align: center;
    }
    .expert-opinion__image img {
      margin: 0 auto;
      max-width: 240px;
    }
}

.companiesContent h2:first-of-type {
    margin-top: 0!important;
}
.topContent{
    font-size: 14px;
}
.founder-comment p:last-child {
  margin-bottom: 0;
}






.material-symbols-outlined {
    font-family: 'Material Symbols Outlined';
    font-weight: normal;
    font-style: normal;
    font-size: 24px;
    line-height: 1;
    letter-spacing: normal;
    text-transform: none;
    display: inline-block;
    white-space: nowrap;
    word-wrap: normal;
    direction: ltr;

    -webkit-font-smoothing: antialiased;
    text-rendering: optimizeLegibility;

    font-variation-settings:
        'FILL' 0,
        'wght' 400,
        'GRAD' 0,
        'opsz' 24;
}

.editorial-trust .material-symbols-outlined {
  font-family: 'Material Symbols Outlined' !important;
  font-weight: normal !important;
  font-style: normal !important;
  font-size: 24px !important;
  line-height: 1 !important;

  display: inline-flex !important;
  align-items: center;
  justify-content: center;

  white-space: nowrap;
  letter-spacing: normal;

  -webkit-font-feature-settings: "liga";
  -webkit-font-smoothing: antialiased;
}
/* =========================
   SECTION 2 - CATEGORIES
========================= */

.categories {
    padding: 80px 16px;
    max-width: 1200px;
    margin: 0 auto;
}

/* Header */
.categories__header {
    text-align: center;
    margin-bottom: 48px;
}

.categories__title {
    font-size: 36px;
    font-weight: 700;
    color: #1C242D;
    line-height: 1.2;
}

.categories__underline {
    width: 80px;
    height: 6px;
    background: #007A8A;
    margin: 16px auto 0;
    border-radius: 999px;
}

/* Grid */
.categories__grid {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 24px;
}

/* Card */
.category-card {
    background: #fff;
    border: 1px solid #e0e3e5;
    border-radius: 12px;
    padding: 24px;
    display: flex;
    flex-direction: column;
    transition: all 0.2s ease;
    box-shadow: 0px 4px 20px rgba(28, 36, 45, 0.05);
}

.category-card:hover {
    transform: translateY(-5px);
    box-shadow: 0px 8px 30px rgba(28, 36, 45, 0.10);
}

/* Icon */
.category-card__icon {
    font-size: 32px;
    color: #007A8A;
    margin-bottom: 16px;
}

/* Title */
.category-card__title {
    font-size: 18px;
    font-weight: 700;
    color: #1C242D;
    margin-bottom: 8px;
}

/* Text */
.category-card__text {
    font-size: 14px;
    color: #44474b;
    margin-bottom: 24px;
    flex-grow: 1;
}

/* Link */
.category-card__link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-weight: 700;
    color: #007A8A;
    text-decoration: none;
    transition: 0.2s ease;
}

.category-card__link:hover {
    gap: 10px;
}

/* =========================
   RESPONSIVE
========================= */

/* Tablet */
@media (max-width: 1024px) {
    .categories__grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

/* Mobile */
@media (max-width: 768px) {
    .categories {
        padding: 60px 16px;
    }

    .categories__title {
        font-size: 28px;
    }

    .categories__grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 16px;
    }
}

/* Small Mobile */
@media (max-width: 480px) {
    .categories__grid {
        grid-template-columns: 1fr;
    }
}


/* section3 */

/* =========================
   HOW IT WORKS SECTION
========================= */

.how-it-works {
    background: #f1f4f6;
    padding: 80px 16px;
}

/* Header */
.how-it-works__header {
    text-align: center;
    max-width: 700px;
    margin: 0 auto 60px;
}

.how-it-works__title {
    font-size: 36px;
    font-weight: 700;
    color: #1C242D;
}

.how-it-works__subtitle {
    margin-top: 8px;
    font-size: 16px;
    color: #44474b;
}

/* Grid */
.how-it-works__grid {
    max-width: 1200px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 40px;
    position: relative;
}

/* Connector line (desktop only) */
.how-it-works__grid::before {
    content: "";
    position: absolute;
    top: 40px;
    left: 10%;
    right: 10%;
    height: 2px;
    background: #c5c6cb;
    z-index: 0;
}

/* Step */
.step {
    text-align: center;
    position: relative;
    z-index: 1;
}

/* Circle */
.step__circle {
    width: 80px;
    height: 80px;
    margin: 0 auto 20px;
    border-radius: 50%;
    border: 2px solid #007A8A;
    color: #007A8A;
    background: #fff;

    display: flex;
    align-items: center;
    justify-content: center;

    font-size: 20px;
    font-weight: 700;
}

/* Active step */
.step__circle--active {
    background: #007A8A;
    color: #fff;
    border: none;
}

/* Text */
.step__title {
    font-size: 16px;
    font-weight: 700;
    color: #1C242D;
    margin-bottom: 8px;
}

.step__text {
    font-size: 14px;
    color: #44474b;
}

/* =========================
   DISCLOSURE BOX
========================= */

.disclosure {
    max-width: 900px;
    margin: 80px auto 0;
    padding: 20px;
    background: #e5e9eb;
    border-left: 4px solid #1C242D;
    border-radius: 0 12px 12px 0;

    display: flex;
    gap: 16px;
    align-items: flex-start;
}

.disclosure__icon {
    font-size: 24px;
    color: #1C242D;
    margin-top: 2px;
}

.disclosure__title {
    font-size: 14px;
    font-weight: 700;
    letter-spacing: 1px;
    text-transform: uppercase;
    margin-bottom: 6px;
}

.disclosure__text {
    font-size: 14px;
    color: #44474b;
    line-height: 1.5;
}

/* =========================
   RESPONSIVE
========================= */

/* Tablet */
@media (max-width: 1024px) {
    .how-it-works__grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 30px;
    }

    .how-it-works__grid::before {
        display: none;
    }
}

/* Mobile */
@media (max-width: 768px) {
    .how-it-works {
        padding: 60px 16px;
    }

    .how-it-works__title {
        font-size: 28px;
    }

    .how-it-works__grid {
        grid-template-columns: 1fr;
    }

    .disclosure {
        flex-direction: column;
    }
}


/* =========================
   AFFORDABILITY SECTION
========================= */

/* calculator new layout styles */
.affordability__calculator .calc{
  margin: 0px;
  padding: 0px;
}
.affordability__calculator .calc__wrap {
  width: 100%;
}
.affordability__calculator .calc__form {
  width: 100%;
}


.affordability {
    padding: 80px 16px;
    max-width: 1200px;
    margin: 0 auto;
}

/* GRID */
.affordability__grid {
    display: grid;
    grid-template-columns: 5fr 7fr;
    gap: 60px;
    align-items: start;
}

/* LEFT SIDE */
.affordability__title {
    font-size: 36px;
    font-weight: 700;
    color: #1C242D;
    line-height: 1.2;
    margin-bottom: 24px;
}

.affordability__text {
    font-size: 16px;
    color: #44474b;
    margin-bottom: 32px;
}

/* LIST */
.affordability__list {
    list-style: none;
    padding: 0;
    margin: 0 0 32px 0;
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.affordability__item {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    font-size: 16px;
    color: #1C242D;
}

.affordability__item .material-symbols-outlined {
    color: #2D8A5E;
    font-size: 22px;
}

/* LINK */
.affordability__link {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: #007A8A;
    font-weight: 700;
    text-decoration: none;
    transition: 0.2s ease;
}

.affordability__link:hover {
    gap: 12px;
}

/* RIGHT SIDE (CALCULATOR WRAPPER) */
.affordability__calculator {
    background: #1C242D;
    color: #fff;
    padding: 40px;
    border-radius: 20px;
    box-shadow: 0 10px 40px rgba(0,0,0,0.2);
}

/* fallback */
.affordability__fallback {
    color: #fff;
    opacity: 0.7;
    font-size: 14px;
}

/* =========================
   RESPONSIVE
========================= */

@media (max-width: 1024px) {
    .affordability__grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .affordability__title {
        font-size: 28px;
    }
}



/* =========================
   Situation Section
========================= */

.situation-section {
	background: #f5f7fa;
	padding: 80px 0;
}

.container {
	max-width: 1200px;
	margin: 0 auto;
	padding: 0 20px;
}

.section-title {
	text-align: center;
	font-size: 32px;
	font-weight: 700;
	color: #0f172a;
	margin-bottom: 48px;
}

/* Grid */
.situation-grid {
	display: grid;
	grid-template-columns: 1fr;
	gap: 24px;
}

@media (min-width: 640px) {
	.situation-grid {
		grid-template-columns: repeat(2, 1fr);
	}
}

@media (min-width: 1024px) {
	.situation-grid {
		grid-template-columns: repeat(4, 1fr);
	}
}

/* Card */
.situation-card {
	background: #ffffff;
	padding: 32px;
	border-radius: 16px;
	display: flex;
	flex-direction: column;
	height: 100%;
	border-bottom: 4px solid transparent;
	box-shadow: 0 6px 18px rgba(0,0,0,0.06);
	transition: all 0.25s ease;
}

.situation-card:hover {
	transform: translateY(-5px);
	box-shadow: 0 14px 30px rgba(0,0,0,0.10);
}

/* Borders */
.border-teal {
	border-color: #14b8a6;
}

.border-error {
	border-color: #ef4444;
}

.border-gold {
	border-color: #fbbf24;
}

.border-navy {
	border-color: #0f172a;
}

/* Typography */
.card-title {
	font-size: 20px;
	font-weight: 700;
	color: #0f172a;
	margin-bottom: 14px;
}

.card-text {
	font-size: 14px;
	color: #6b7280;
	margin-bottom: 20px;
	flex-grow: 1;
	line-height: 1.6;
}

/* Button */
.card-btn {
	display: inline-flex;
	align-items: center;
	gap: 8px;
	font-size: 14px;
	font-weight: 600;
	color: #14b8a6;
	background: none;
	border: none;
	padding: 0;
	cursor: pointer;
	transition: all 0.2s ease;
}

.card-btn:hover {
	gap: 12px;
}

/* Material Icons fix */
.material-symbols-outlined {
	font-size: 20px;
	vertical-align: middle;
}

/* =========================
   Debt Help Section
========================= */

.debt-section {
	padding: 80px 0;
}

.container {
	max-width: 1200px;
	margin: 0 auto;
	padding: 0 20px;
}

/* Layout */
.debt-wrapper {
	display: flex;
	flex-direction: column;
	background: #0f172a;
	border-radius: 24px;
	overflow: hidden;
}

@media (min-width: 1024px) {
	.debt-wrapper {
		flex-direction: row;
	}
}

/* LEFT SIDE */
.debt-left {
	padding: 40px;
}

@media (min-width: 1024px) {
	.debt-left {
		width: 50%;
		padding: 64px;
	}
}

.debt-title {
	font-size: 32px;
	font-weight: 700;
	color: #ffffff;
	margin-bottom: 24px;
	line-height: 1.3;
}

/* Debt items */
.debt-options {
	display: flex;
	flex-direction: column;
	gap: 24px;
	margin-bottom: 32px;
}

.debt-item-title {
	font-size: 14px;
	font-weight: 700;
	text-transform: uppercase;
	margin-bottom: 8px;
}

.debt-teal {
	color: #14b8a6;
}

.debt-gold {
	color: #fbbf24;
}

.debt-item-text {
	font-size: 14px;
	color: rgba(255,255,255,0.65);
	line-height: 1.6;
}

/* Buttons */
.debt-actions {
	display: flex;
	flex-wrap: wrap;
	gap: 12px;
}

.btn-primary {
	background: #14b8a6;
	color: #fff;
	border: none;
	padding: 12px 20px;
	border-radius: 8px;
	font-weight: 600;
	cursor: pointer;
	transition: 0.2s ease;
}

.btn-primary:hover {
	filter: brightness(1.1);
}

.btn-secondary {
	background: rgba(255,255,255,0.1);
	color: #fff;
	border: none;
	padding: 12px 20px;
	border-radius: 8px;
	font-weight: 600;
	cursor: pointer;
	transition: 0.2s ease;
}

.btn-secondary:hover {
	background: rgba(255,255,255,0.2);
}

/* RIGHT SIDE */
.debt-right {
	background: #f1f5f9;
	padding: 40px;
	display: flex;
	flex-direction: column;
	justify-content: center;
}

@media (min-width: 1024px) {
	.debt-right {
		width: 50%;
		padding: 64px;
	}
}

/* Header */
.debt-verify-head {
	display: flex;
	align-items: center;
	gap: 12px;
	margin-bottom: 20px;
}

.debt-icon {
	font-size: 40px;
	color: #0f172a;
}

.verify-title {
	font-size: 20px;
	font-weight: 700;
	color: #0f172a;
}

/* Text */
.verify-text {
	font-size: 14px;
	color: #6b7280;
	margin-bottom: 32px;
	line-height: 1.6;
}

/* Box */
.verify-box {
	display: flex;
	justify-content: space-between;
	align-items: center;
	background: #ffffff;
	padding: 14px 16px;
	border-radius: 12px;
	border: 1px solid #e5e7eb;
}

.verify-label {
	font-weight: 600;
	color: #0f172a;
	font-size: 14px;
}

.verify-btn {
	background: none;
	border: none;
	color: #14b8a6;
	font-weight: 700;
	cursor: pointer;
}


/* =========================
   LENDERS SECTION
========================= */

.lenders-section {
  padding: 80px 0;
  background: #f7f8fb;
}

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
}

/* Header */
.lenders-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  margin-bottom: 40px;
  gap: 20px;
}

.lenders-header h2 {
  font-size: 32px;
  font-weight: 700;
  color: #0f1f3a;
  margin: 0;
}

.lenders-header p {
  margin-top: 6px;
  color: #6b7280;
  font-size: 15px;
}

.view-all {
  display: flex;
  align-items: center;
  gap: 8px;
  color: #0ea5a4;
  font-weight: 600;
  text-decoration: none;
  white-space: nowrap;
}

.view-all:hover {
  text-decoration: underline;
}

/* Grid */
.lenders-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

/* Card */
.lender-card {
  background: #fff;
  border: 1px solid #e5e7eb;
  border-radius: 16px;
  overflow: hidden;
  transition: 0.2s ease;
}

.lender-card:hover {
  border-color: #0ea5a4;
  transform: translateY(-2px);
}

/* Top */
.lender-card__top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  padding: 20px;
  border-bottom: 1px solid #e5e7eb;
}

.lender-card__top h4 {
  margin: 0;
  font-size: 18px;
  font-weight: 700;
  color: #0f1f3a;
}

.lender-card__top p {
  margin: 4px 0 0;
  font-size: 13px;
  color: #6b7280;
}

/* NCR badge */
.ncr-badge {
  background: #f1f5f9;
  padding: 4px 8px;
  border-radius: 6px;
  font-size: 11px;
  font-weight: 700;
  color: #0f1f3a;
}

/* Body */
.lender-card__body {
  padding: 20px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.row {
  display: flex;
  justify-content: space-between;
  font-size: 14px;
  color: #6b7280;
}

.row strong {
  color: #111827;
}

.row em {
  font-style: italic;
  color: #6b7280;
}

/* Button */
.btn-dark {
  margin-top: 10px;
  width: 100%;
  padding: 12px;
  border: none;
  border-radius: 10px;
  background: #0f1f3a;
  color: white;
  font-weight: 600;
  cursor: pointer;
  transition: 0.2s ease;
}

.btn-dark:hover {
  background: #0b162b;
}

/* =========================
   RESPONSIVE
========================= */

@media (max-width: 992px) {
  .lenders-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .lenders-header {
    flex-direction: column;
    align-items: flex-start;
  }
}

@media (max-width: 640px) {
  .lenders-grid {
    grid-template-columns: 1fr;
  }

  .lenders-header h2 {
    font-size: 24px;
  }
}



/* =========================
   EDITORIAL TRUST SECTION
========================= */

/* SECTION WRAPPER */
.editorial-trust {
  padding: 80px 0;
  background: #fff;
  border-top: 1px solid #e5e7eb;
}

/* CONTAINER */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
}

/* HEADING (LEFT aligned like Tailwind mb-8) */
.section-title {
  font-size: 32px;
  font-weight: 700;
  color: #0f1f3a;
  margin-bottom: 32px;
  text-align: left; /* IMPORTANT FIX */
}

/* GRID */
.editorial-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 48px;
}

/* COLUMN */
.trust-col {
  display: flex;
  flex-direction: column;
  gap: 28px;
}

/* ITEM */
.trust-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

/* ICON */
.icon-teal {
  color: #0ea5a4;
  font-size: 26px;
  margin-top: 2px;
}

/* TEXT */
.trust-item h4 {
  margin: 0 0 6px;
  font-size: 16px;
  font-weight: 700;
  color: #0f1f3a;
}

.trust-item p {
  margin: 0;
  font-size: 14px;
  color: #6b7280;
  line-height: 1.6;
}

/* RESPONSIVE */
@media (max-width: 768px) {
  .editorial-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .section-title {
    font-size: 24px;
  }
}

/* =========================
   FOUNDER NOTE SECTION
========================= */

.founder-note {
  background: #0f1f3a;
  color: #ffffff;
  padding: 100px 0;
}

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
}

/* Card wrapper (glass effect like Tailwind) */
.founder-card {
  display: flex;
  gap: 48px;
  align-items: center;
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  padding: 40px;
  border-radius: 24px;
  backdrop-filter: blur(10px);
}

/* Image */
.founder-image {
  width: 180px;
  height: 180px;
  flex-shrink: 0;
  border-radius: 16px;
  overflow: hidden;
  border: 4px solid #0ea5a4;
}

.founder-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

/* Content */
.founder-content h2 {
  font-size: 28px;
  font-weight: 700;
  margin-bottom: 16px;
  color: #ffffff;
}

/* Quote */
.founder-quote {
  font-size: 16px;
  line-height: 1.8;
  font-style: italic;
  color: rgba(255, 255, 255, 0.85);
  margin-bottom: 24px;
  max-width: 700px;
}

/* Role line */
.founder-role {
  display: flex;
  align-items: center;
  gap: 12px;
}

.founder-role .line {
  width: 40px;
  height: 2px;
  background: #0ea5a4;
}

.founder-role span {
  color: #0ea5a4;
  font-weight: 600;
  font-size: 14px;
}

/* =========================
   RESPONSIVE
========================= */

@media (max-width: 768px) {
  .founder-card {
    flex-direction: column;
    text-align: center;
    padding: 28px;
  }

  .founder-image {
    width: 140px;
    height: 140px;
  }

  .founder-content h2 {
    font-size: 22px;
  }

  .founder-role {
    justify-content: center;
  }
}

/* =========================
   edu resource section
========================= */

.edu-resources {
  padding: 80px 0;
  background: #ffffff;
}

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
}

/* Title */
.edu-resources__title {
  font-size: 32px;
  font-weight: 700;
  color: #0b1f3a;
  margin-bottom: 32px;
}

/* Grid */
.edu-resources__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}

/* Card */
.edu-card {
  background: #f6f8fb;
  padding: 18px 20px;
  border-radius: 12px;
  text-decoration: none;
  color: #0b1f3a;

  display: flex;
  align-items: center;
  justify-content: space-between;

  transition: all 0.25s ease;
  border: 1px solid transparent;
}

.edu-card:hover {
  background: #eef3f8;
  border-color: #18b7a0;
  transform: translateY(-2px);
}

/* Text */
.edu-card__text {
  font-weight: 600;
  font-size: 14px;
}

/* Icon */
.edu-card__icon {
  color: #18b7a0;
  font-size: 22px;
  transition: transform 0.25s ease;
}

.edu-card:hover .edu-card__icon {
  transform: translateX(4px);
}

/* Responsive */
@media (max-width: 1024px) {
  .edu-resources__grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 640px) {
  .edu-resources__grid {
    grid-template-columns: 1fr;
  }

  .edu-resources__title {
    font-size: 26px;
  }
}


/* =========================
   FAQ section
========================= */
.faq {
  padding: 80px 0;
  background: #f6f8fb;
}

.faq__container {
  max-width: 900px;
  margin: 0 auto;
  padding: 0 20px;
}

/* Title */
.faq__title {
  text-align: center;
  font-size: 32px;
  font-weight: 700;
  color: #0b1f3a;
  margin-bottom: 48px;
}

/* List */
.faq__list {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

/* Item */
.faq__item {
  background: #ffffff;
  border: 1px solid #d9dee5;
  border-radius: 12px;
  overflow: hidden;
}

/* Summary */
.faq__question {
  padding: 18px 20px;
  font-weight: 700;
  font-size: 15px;
  color: #0b1f3a;

  display: flex;
  justify-content: space-between;
  align-items: center;

  cursor: pointer;
  list-style: none;
  transition: all 0.25s ease;
}

/* remove default marker */
.faq__question::-webkit-details-marker {
  display: none;
}

/* hover */
.faq__item:hover .faq__question {
  background: #eef3f8;
}

/* open state styling */
.faq__item[open] .faq__question {
  background: #18b7a0;
  color: #ffffff;
}

/* icon rotation */
.faq__icon {
  transition: transform 0.3s ease;
  font-size: 22px;
}

.faq__item[open] .faq__icon {
  transform: rotate(180deg);
}

/* Answer */
.faq__answer {
  padding: 18px 20px;
  font-size: 14px;
  line-height: 1.6;
  color: #4b5563;
  background: #ffffff;
}

/* Responsive */
@media (max-width: 640px) {
  .faq__title {
    font-size: 26px;
  }

  .faq__question {
    font-size: 14px;
  }
}

/* =========================
   Final CTA section
========================= */
.final-cta {
  padding: 96px 0;
  background: #18b7a0;
  color: #ffffff;
  text-align: center;
}

.final-cta__container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
}

/* Title */
.final-cta__title {
  font-size: 34px;
  font-weight: 800;
  line-height: 1.2;
  margin-bottom: 24px;
}

/* Text */
.final-cta__text {
  font-size: 18px;
  max-width: 720px;
  margin: 0 auto 40px auto;
  opacity: 0.95;
}

/* Button */
.final-cta__button {
  display: inline-block;
  background: #0b1f3a;
  color: #ffffff;
  padding: 16px 40px;
  border-radius: 12px;

  font-weight: 700;
  font-size: 18px;
  text-decoration: none;

  transition: all 0.25s ease;
  box-shadow: 0 12px 30px rgba(0,0,0,0.25);
}

.final-cta__button:hover {
  filter: brightness(1.1);
  transform: translateY(-2px);
}

.final-cta__button:active {
  transform: scale(0.97);
}

/* Responsive */
@media (max-width: 640px) {
  .final-cta__title {
    font-size: 26px;
  }

  .final-cta__text {
    font-size: 16px;
  }

  .final-cta__button {
    width: 100%;
    padding: 14px 20px;
  }
}