*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --orange: #E8632A;
  --orange-light: #F5874A;
  --navy: #131929;
  --navy-mid: #1C2740;
  --beige: #F8F3EC;
  --beige-dark: #F0EAE0;
  --white: #FFFFFF;
  --text-dark: #1A1A1A;
  --text-mid: #555555;
  --text-light: #888888;
  --border: #E5E0D8;
  --green: #16A34A;
  --green-bg: #DCFCE7;
  --blue: #2563EB;
  --blue-bg: #DBEAFE;
  --red: #DC2626;
  --red-bg: #FEE2E2;
  --amber: #D97706;
  --radius: 10px;
  --shadow: 0 2px 12px rgba(0,0,0,0.07);
}

body {
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', system-ui, sans-serif;
  color: var(--text-dark);
  background: var(--white);
  line-height: 1.6;
  font-size: 15px;
}

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

.container { max-width: 1120px; margin: 0 auto; padding: 0 40px; }

/* ─── HEADER ─── */
header {
  background: var(--navy);
  position: sticky;
  top: 0;
  z-index: 100;
  border-bottom: 1px solid rgba(255,255,255,0.07);
  backdrop-filter: blur(8px);
}
.nav-inner {
  display: flex;
  align-items: center;
  padding: 13px 40px;
  max-width: 1280px;
  margin: 0 auto;
  gap: 0;
}
.logo {
  font-size: 20px; font-weight: 800; color: var(--white);
  letter-spacing: -0.4px; flex-shrink: 0; margin-right: 52px;
}
.logo span { color: var(--orange); }

.primary-nav { display: flex; align-items: center; gap: 2px; }
.primary-nav a {
  color: rgba(255,255,255,0.7); font-size: 13.5px;
  padding: 7px 12px; border-radius: 7px;
  transition: color 0.15s, background 0.15s; white-space: nowrap; font-weight: 500;
}
.primary-nav a:hover { color: #fff; background: rgba(255,255,255,0.09); }
.primary-nav a.active, .primary-nav a[aria-current="page"] { color: #fff; }

.nav-cta { margin-left: 16px; flex-shrink: 0; }
.btn-cta {
  background: var(--orange); color: #fff !important;
  font-weight: 600; padding: 8px 18px !important;
  border-radius: 8px !important; font-size: 13px !important;
  transition: background 0.2s, box-shadow 0.2s !important;
  white-space: nowrap; box-shadow: 0 2px 10px rgba(232,99,42,0.35);
}
.btn-cta:hover { background: var(--orange-light) !important; box-shadow: 0 4px 16px rgba(232,99,42,0.45) !important; }

/* ─── HERO ─── */
.hero {
  background: var(--navy);
  padding: 72px 0 64px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 55% 70% at 75% 50%, rgba(232,99,42,0.10) 0%, transparent 65%),
    radial-gradient(ellipse 35% 50% at 5% 20%,  rgba(255,255,255,0.03) 0%, transparent 60%);
  pointer-events: none;
}
.hero-inner {
  max-width: 1120px; margin: 0 auto; padding: 0 40px;
  position: relative;
  display: grid;
  grid-template-columns: 1fr 360px;
  gap: 56px;
  align-items: center;
}
.hero-left { min-width: 0; }

/* ── Hero visual (right column) ── */
.hero-right { position: relative; display: flex; justify-content: center; align-items: center; }

.hv-card {
  background: rgba(255,255,255,0.055);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 20px;
  backdrop-filter: blur(16px);
  box-shadow: 0 24px 64px rgba(0,0,0,0.35), inset 0 1px 0 rgba(255,255,255,0.08);
  padding: 22px 22px 18px;
  width: 100%;
  max-width: 310px;
}
.hv-card-main { position: relative; z-index: 2; }

.hv-card-header {
  display: flex; align-items: center; gap: 8px;
  margin-bottom: 16px;
}
.hv-dot { width: 7px; height: 7px; border-radius: 50%; flex-shrink: 0; }
.hv-dot.green { background: #22c55e; box-shadow: 0 0 6px rgba(34,197,94,0.6); }
.hv-dot.orange { background: var(--orange); }

.hv-score-wrap {
  position: relative; width: 120px; height: 120px; margin: 0 auto 14px;
}
.hv-ring { width: 120px; height: 120px; }
.hv-score-inner {
  position: absolute; inset: 0;
  display: flex; flex-direction: column;
  align-items: center; justify-content: center;
}
.hv-score-num { font-size: 28px; font-weight: 900; color: #fff; line-height: 1; }
.hv-score-lbl { font-size: 11px; color: rgba(255,255,255,0.4); margin-top: 2px; }

.hv-score-status {
  display: flex; justify-content: space-between; align-items: center;
  margin-bottom: 14px;
}
.hv-badge-warn {
  background: rgba(232,99,42,0.15); color: #F5874A;
  border: 1px solid rgba(232,99,42,0.25);
  font-size: 11.5px; font-weight: 600; padding: 3px 10px; border-radius: 12px;
}
.hv-divider { height: 1px; background: rgba(255,255,255,0.08); margin-bottom: 14px; }
.hv-info-rows { display: flex; flex-direction: column; gap: 8px; }
.hv-info-row {
  display: flex; justify-content: space-between; align-items: center;
  font-size: 12px;
}
.hv-info-row span:first-child { color: rgba(255,255,255,0.4); }
.hv-info-row span:last-child  { color: rgba(255,255,255,0.85); font-weight: 600; }

/* Floating badge pills */
.hv-badge-float {
  position: absolute;
  background: rgba(20,26,46,0.92);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 40px;
  padding: 7px 14px;
  display: flex; align-items: center; gap: 7px;
  font-size: 12px; font-weight: 500; color: rgba(255,255,255,0.8);
  backdrop-filter: blur(10px);
  box-shadow: 0 8px 24px rgba(0,0,0,0.25);
  white-space: nowrap;
  z-index: 3;
}
.hv-float-1 { top: -14px;  left: -32px; animation: floatY 3.5s ease-in-out infinite; }
.hv-float-2 { bottom: 52px; right: -28px; animation: floatY 4s   ease-in-out infinite 0.8s; }
.hv-float-3 { bottom: -14px; left: 10px; animation: floatY 3.8s  ease-in-out infinite 1.4s; }

@keyframes floatY {
  0%, 100% { transform: translateY(0); }
  50%       { transform: translateY(-6px); }
}

.hero-tags { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 24px; }
.hero-tags span {
  background: rgba(255,255,255,0.06);
  color: rgba(255,255,255,0.65);
  font-size: 12.5px; font-weight: 500;
  padding: 5px 14px; border-radius: 20px;
  border: 1px solid rgba(255,255,255,0.12);
  letter-spacing: 0.1px;
  transition: background 0.2s, color 0.2s;
}
.hero-tags span:hover { background: rgba(255,255,255,0.1); color: #fff; cursor: default; }

.hero h1 {
  font-size: clamp(32px, 4.8vw, 52px);
  font-weight: 900; color: var(--white);
  line-height: 1.14; margin-bottom: 18px;
  letter-spacing: -0.8px;
}
.hero h1 em {
  color: var(--orange); font-style: normal; display: block;
  background: linear-gradient(90deg, #E8632A, #F5874A);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text;
}
.hero-sub {
  color: rgba(255,255,255,0.58); font-size: 15.5px;
  max-width: 580px; margin: 0 0 36px; line-height: 1.75;
  font-weight: 400;
}

.search-box {
  background: rgba(255,255,255,0.055);
  border: 1px solid rgba(255,255,255,0.13);
  border-radius: 16px; padding: 20px 22px 18px;
  max-width: 620px; margin: 0 0 14px;
  backdrop-filter: blur(12px);
  box-shadow: 0 8px 32px rgba(0,0,0,0.18), inset 0 1px 0 rgba(255,255,255,0.07);
}
.search-label {
  color: rgba(255,255,255,0.45); font-size: 11.5px;
  font-weight: 500; letter-spacing: 0.2px;
  margin-bottom: 12px; display: flex; align-items: center; gap: 7px;
}
.search-label svg { width: 13px; height: 13px; opacity: 0.6; }
.search-row { display: flex; gap: 8px; }
.search-row input {
  flex: 1; background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.14);
  border-radius: 10px; padding: 13px 16px;
  color: #fff; font-size: 15px; outline: none;
  transition: border-color 0.2s, background 0.2s;
}
.search-row input::placeholder { color: rgba(255,255,255,0.28); }
.search-row input:focus { border-color: var(--orange); background: rgba(255,255,255,0.11); }
.btn-search {
  background: var(--orange); color: #fff; border: none;
  border-radius: 10px; padding: 13px 22px; font-size: 14px;
  font-weight: 700; cursor: pointer; white-space: nowrap;
  display: flex; align-items: center; gap: 6px;
  transition: background 0.2s, box-shadow 0.2s;
  box-shadow: 0 2px 10px rgba(232,99,42,0.4);
}
.btn-search:hover { background: var(--orange-light); box-shadow: 0 4px 18px rgba(232,99,42,0.5); }
/* CIC success / error */
.cic-error {
  color: #FCA5A5; font-size: 13px; margin: 8px 0 0;
}
.cic-success {
  display: flex; flex-direction: column; align-items: flex-start;
  gap: 8px; padding: 20px 0 4px;
}
.cic-success-icon {
  width: 52px; height: 52px; border-radius: 50%;
  background: rgba(34,197,94,0.15); display: flex;
  align-items: center; justify-content: center;
  color: #4ADE80; flex-shrink: 0;
}
.cic-success h4 {
  font-size: 17px; font-weight: 700; color: #fff; margin: 4px 0 0;
}
.cic-success p {
  font-size: 14px; color: rgba(255,255,255,0.65); margin: 0;
  line-height: 1.6; max-width: 380px;
}
.cic-success strong { color: #4ADE80; }
@keyframes spin { to { transform: rotate(360deg); } }

.search-note {
  color: rgba(255,255,255,0.32); font-size: 11.5px;
  display: flex; align-items: center; gap: 6px; letter-spacing: 0.1px;
}

/* ─── STATS BAR ─── */
.stats-bar { background: var(--white); border-bottom: 1px solid var(--border); box-shadow: 0 2px 8px rgba(0,0,0,0.04); }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); max-width: 1200px; margin: 0 auto; padding: 0 40px; }
.stat-item { padding: 20px 16px; text-align: center; border-right: 1px solid var(--border); }
.stat-item:last-child { border-right: none; }
.stat-num { font-size: 24px; font-weight: 800; color: var(--orange); line-height: 1.2; }
.stat-label { font-size: 12px; color: var(--text-mid); margin-top: 3px; }

/* ─── SECTIONS ─── */
.section { padding: 56px 0; }
.section-alt { background: var(--beige); }
.section-tag { font-size: 11px; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; color: var(--orange); margin-bottom: 8px; }
.section-title { font-size: clamp(22px, 3.5vw, 30px); font-weight: 800; color: var(--text-dark); margin-bottom: 8px; letter-spacing: -0.3px; }
.section-sub { color: var(--text-mid); font-size: 14px; margin-bottom: 28px; }

/* ─── TABLE ─── */
.debt-table { width: 100%; border-collapse: collapse; background: var(--white); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); }
.debt-table th { background: var(--beige-dark); padding: 12px 16px; text-align: left; font-size: 13px; font-weight: 600; color: var(--text-mid); }
.debt-table td { padding: 13px 16px; font-size: 14px; border-top: 1px solid var(--border); }
.debt-table tbody tr:hover { background: var(--beige); }
.badge { display: inline-block; padding: 3px 10px; border-radius: 20px; font-size: 12px; font-weight: 600; }
.badge-ok { background: var(--green-bg); color: var(--green); }
.badge-warn { background: var(--blue-bg); color: var(--blue); }
.badge-bad { background: #FEF3C7; color: #92400E; }
.badge-heavy { background: var(--red-bg); color: var(--red); }
.info-box { background: var(--blue-bg); border-left: 3px solid var(--blue); border-radius: 0 8px 8px 0; padding: 12px 16px; margin-top: 16px; font-size: 13px; color: #1e40af; line-height: 1.6; }

/* ─── LENDERS ─── */
.filter-tabs { display: flex; gap: 8px; flex-wrap: wrap; margin-bottom: 20px; }
.tab { padding: 6px 16px; border-radius: 20px; font-size: 13px; font-weight: 500; cursor: pointer; border: 1px solid var(--border); background: var(--white); color: var(--text-mid); transition: all 0.2s; }
.tab.active { background: var(--orange); color: #fff; border-color: var(--orange); }
.tab:hover:not(.active) { border-color: var(--orange); color: var(--orange); }
.lender-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); gap: 16px; }
.lender-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 18px; box-shadow: var(--shadow); transition: box-shadow 0.2s, transform 0.2s; display: flex; flex-direction: column; }
.lender-card:hover { box-shadow: 0 6px 24px rgba(0,0,0,0.1); transform: translateY(-2px); }
.lender-card.featured { border-color: var(--orange); border-width: 1.5px; }
.lender-header { display: flex; justify-content: space-between; align-items: flex-start; margin-bottom: 14px; }
.lender-name { font-size: 16px; font-weight: 700; }
.lender-badge { font-size: 11px; font-weight: 600; padding: 3px 9px; border-radius: 12px; }
.lender-details { list-style: none; flex: 1; }
.lender-details li { display: flex; justify-content: space-between; padding: 6px 0; font-size: 13px; border-bottom: 1px solid var(--border); }
.lender-details li:last-child { border-bottom: none; }
.detail-label { color: var(--text-mid); }
.detail-val { font-weight: 600; text-align: right; }
.lender-note { font-size: 12px; color: var(--green); font-weight: 500; display: flex; align-items: center; gap: 4px; margin: 12px 0; }
.btn-apply { display: block; width: 100%; background: var(--navy); color: #fff; text-align: center; padding: 10px; border-radius: 8px; font-size: 13px; font-weight: 600; cursor: pointer; border: none; transition: background 0.2s; margin-top: auto; }
.btn-apply:hover { background: var(--orange); color: #fff; }

/* ─── ALERT ─── */
.alert-warning { background: #FFFBEB; border-left: 4px solid var(--amber); border-radius: 0 8px 8px 0; padding: 14px 18px; font-size: 13.5px; color: #78350F; line-height: 1.7; display: flex; gap: 10px; align-items: flex-start; margin: 32px 0; }
.alert-warning svg { flex-shrink: 0; margin-top: 2px; }

/* ─── CALCULATOR ─── */
.calc-box { background: var(--white); border: 1px solid var(--border); border-radius: 14px; padding: 28px; box-shadow: var(--shadow); }
.slider-row { display: flex; align-items: center; gap: 16px; margin-bottom: 20px; }
.slider-label { font-size: 13px; color: var(--text-mid); width: 110px; flex-shrink: 0; }
.slider-wrap { flex: 1; }
input[type="range"] { -webkit-appearance: none; width: 100%; height: 4px; background: var(--border); border-radius: 4px; outline: none; cursor: pointer; }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 18px; height: 18px; border-radius: 50%; background: var(--orange); border: 3px solid #fff; box-shadow: 0 1px 6px rgba(0,0,0,0.2); cursor: pointer; }
.slider-val { font-weight: 700; font-size: 14px; color: var(--text-dark); width: 110px; text-align: right; flex-shrink: 0; }
.calc-results { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; margin-top: 8px; }
.calc-result-item { background: var(--beige); border-radius: 10px; padding: 16px; text-align: center; }
.result-num { font-size: 24px; font-weight: 800; color: var(--text-dark); }
.result-label { font-size: 12px; color: var(--text-mid); margin-top: 4px; }

/* ─── STEPS ─── */
.steps { display: flex; flex-direction: column; gap: 20px; }
.step { display: flex; gap: 16px; align-items: flex-start; }
.step-num { width: 34px; height: 34px; background: var(--orange); color: #fff; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 14px; font-weight: 800; flex-shrink: 0; }
.step-body h4 { font-size: 15px; font-weight: 700; margin-bottom: 4px; }
.step-body p { font-size: 13.5px; color: var(--text-mid); line-height: 1.65; }

/* ─── BLOG ─── */
.blog-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; }
.blog-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 18px; transition: box-shadow 0.2s, transform 0.2s; display: flex; flex-direction: column; gap: 8px; }
.blog-card:hover { box-shadow: 0 6px 20px rgba(0,0,0,0.08); transform: translateY(-1px); }
.blog-cat { font-size: 11px; font-weight: 600; padding: 3px 9px; border-radius: 12px; display: inline-block; align-self: flex-start; }
.blog-cat.vol   { background: #FFF7ED; color: var(--orange); }
.blog-cat.guide { background: #EFF6FF; color: var(--blue); }
.blog-cat.tool  { background: #F0FDF4; color: var(--green); }
.blog-cat.qa    { background: #F5F3FF; color: #7C3AED; }
.blog-card h3 { font-size: 15px; font-weight: 700; line-height: 1.45; color: var(--text-dark); }
.blog-meta { display: flex; justify-content: space-between; align-items: center; font-size: 12px; color: var(--text-light); margin-top: auto; }
.kd-badge { background: var(--beige); color: var(--text-mid); padding: 2px 8px; border-radius: 6px; font-weight: 600; }

/* ─── FAQ ─── */
.faq-list { display: flex; flex-direction: column; gap: 2px; }
.faq-item { background: var(--white); border: 1px solid var(--border); border-radius: 10px; overflow: hidden; }
.faq-q { display: flex; justify-content: space-between; align-items: center; padding: 16px 18px; cursor: pointer; font-size: 15px; font-weight: 600; color: var(--text-dark); user-select: none; gap: 12px; }
.faq-q svg { flex-shrink: 0; transition: transform 0.25s; color: var(--text-light); }
.faq-item.open .faq-q svg { transform: rotate(180deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.3s ease; font-size: 14px; color: var(--text-mid); line-height: 1.7; }
.faq-a-inner { padding: 0 18px 16px; }
.faq-item.open .faq-a { max-height: 400px; }

/* ─── CTA BANNER ─── */
.cta-banner { background: var(--navy); padding: 64px 40px; text-align: center; }
.cta-banner h2 { font-size: clamp(22px, 4vw, 32px); font-weight: 800; color: var(--white); margin-bottom: 10px; letter-spacing: -0.3px; }
.cta-banner p { color: rgba(255,255,255,0.55); font-size: 13.5px; margin-bottom: 28px; display: flex; justify-content: center; flex-wrap: wrap; gap: 16px; }
.cta-banner p span::before { content: "·"; margin-right: 6px; opacity: 0.4; }
.cta-banner p span:first-child::before { display: none; }
.cta-btns { display: flex; justify-content: center; gap: 14px; flex-wrap: wrap; }
.btn-outline { border: 1px solid rgba(255,255,255,0.3); color: rgba(255,255,255,0.85); background: transparent; padding: 11px 22px; border-radius: 9px; font-size: 14px; font-weight: 600; transition: all 0.2s; display: inline-block; }
.btn-outline:hover { border-color: var(--orange); color: var(--orange); }
.btn-primary { background: var(--orange); color: #fff; padding: 11px 22px; border-radius: 9px; font-size: 14px; font-weight: 600; transition: background 0.2s; display: inline-block; }
.btn-primary:hover { background: var(--orange-light); color: #fff; }

/* ─── FOOTER ─── */
footer { background: var(--white); border-top: 1px solid var(--border); padding: 28px 40px; }
.footer-inner { max-width: 1200px; margin: 0 auto; display: flex; justify-content: space-between; align-items: flex-start; gap: 20px; flex-wrap: wrap; }
.footer-left .logo { font-size: 17px; color: var(--text-dark); margin-bottom: 8px; display: block; }
.footer-disclaimer { font-size: 11.5px; color: var(--text-light); max-width: 440px; line-height: 1.6; }
.footer-links { display: flex; gap: 20px; flex-wrap: wrap; }
.footer-links a { font-size: 13px; color: var(--text-mid); transition: color 0.2s; }
.footer-links a:hover { color: var(--orange); }

/* ─── PAGE TĨNH (page.php) ─── */
.page-hero {
  background: var(--navy);
  padding: 52px 0 48px;
}
.page-hero-inner {
  max-width: 1120px; margin: 0 auto; padding: 0 40px;
}
.page-breadcrumb {
  display: flex; align-items: center; gap: 8px;
  font-size: 13px; color: rgba(255,255,255,0.45);
  margin-bottom: 20px; flex-wrap: wrap;
}
.page-breadcrumb a { color: rgba(255,255,255,0.55); transition: color 0.2s; }
.page-breadcrumb a:hover { color: var(--orange); }
.page-breadcrumb svg { opacity: 0.35; flex-shrink: 0; }
.page-hero h1 {
  font-size: clamp(26px,4vw,40px); font-weight: 800;
  color: #fff; line-height: 1.22; letter-spacing: -0.4px;
  margin: 0 0 12px;
}
.page-hero-sub {
  font-size: 16px; color: rgba(255,255,255,0.55);
  max-width: 680px; line-height: 1.7; margin: 0;
}

/* ── Layout 2 cột ── */
.page-layout {
  max-width: 1120px; margin: 0 auto;
  padding: 52px 40px 80px;
  display: grid;
  grid-template-columns: 1fr 280px;
  gap: 52px;
  align-items: start;
}

/* ── Nội dung chính ── */
.page-content {
  font-size: 16px; line-height: 1.85; color: #2c2c2c;
  min-width: 0;
}
.page-content h2 {
  font-size: 22px; font-weight: 800; color: var(--text-dark);
  margin: 36px 0 12px; letter-spacing: -0.2px;
  padding-bottom: 8px; border-bottom: 2px solid var(--border);
}
.page-content h3 {
  font-size: 17px; font-weight: 700; color: var(--text-dark);
  margin: 24px 0 8px;
}
.page-content h4 {
  font-size: 15px; font-weight: 700; color: var(--text-dark);
  margin: 20px 0 6px;
}
.page-content p { margin: 0 0 18px; }
.page-content ul, .page-content ol {
  margin: 0 0 18px; padding-left: 22px;
}
.page-content li { margin-bottom: 6px; }
.page-content a { color: var(--orange); text-decoration: underline; text-underline-offset: 2px; }
.page-content a:hover { color: var(--orange-light); }
.page-content blockquote {
  margin: 24px 0; padding: 16px 20px;
  border-left: 4px solid var(--orange);
  background: #FFF7ED; border-radius: 0 8px 8px 0;
  font-style: italic; color: #7a4020;
}
.page-content table {
  width: 100%; border-collapse: collapse; margin: 20px 0; font-size: 14px;
}
.page-content th {
  background: var(--navy); color: #fff;
  padding: 10px 14px; text-align: left; font-weight: 600;
}
.page-content td {
  padding: 10px 14px; border-bottom: 1px solid var(--border);
}
.page-content tr:hover td { background: #f9f9f9; }
.page-content img {
  max-width: 100%; border-radius: 10px;
  margin: 12px 0; box-shadow: 0 2px 12px rgba(0,0,0,0.08);
}
.page-content hr {
  border: none; border-top: 1px solid var(--border);
  margin: 32px 0;
}
.page-content strong { font-weight: 700; color: var(--text-dark); }

/* ── Sidebar ── */
.page-sidebar {
  position: sticky; top: 88px;
  display: flex; flex-direction: column; gap: 20px;
}
.sidebar-card {
  background: #fff; border: 1px solid var(--border);
  border-radius: 12px; padding: 20px;
}
.sidebar-card-title {
  font-size: 12px; font-weight: 700; letter-spacing: 0.8px;
  text-transform: uppercase; color: var(--text-mid);
  margin-bottom: 14px;
}

/* TOC */
.page-toc-list {
  list-style: none; padding: 0; margin: 0;
  display: flex; flex-direction: column; gap: 2px;
}
.page-toc-list li a {
  display: block; font-size: 13px; color: var(--text-mid);
  padding: 5px 10px; border-radius: 6px;
  border-left: 2px solid transparent;
  transition: all 0.2s; line-height: 1.4;
  text-decoration: none;
}
.page-toc-list li a:hover { color: var(--orange); border-left-color: var(--orange); background: #FFF7ED; }
.page-toc-list li a.toc-active { color: var(--orange); border-left-color: var(--orange); background: #FFF7ED; font-weight: 600; }
.page-toc-list li.toc-h3 a { padding-left: 20px; font-size: 12px; }

/* Contact card */
.contact-info-list { display: flex; flex-direction: column; gap: 12px; }
.contact-info-item {
  display: flex; align-items: flex-start; gap: 10px;
  font-size: 13px; color: var(--text-mid); line-height: 1.5;
}
.contact-info-item svg { flex-shrink: 0; margin-top: 1px; color: var(--orange); }
.contact-info-item a { color: var(--text-dark); font-weight: 600; text-decoration: none; }
.contact-info-item a:hover { color: var(--orange); }

/* Sidebar CTA */
.sidebar-cta-card {
  background: var(--navy); border-radius: 12px; padding: 22px 18px;
  text-align: center;
}
.sidebar-cta-card p { font-size: 13px; color: rgba(255,255,255,0.6); margin: 6px 0 16px; }
.sidebar-cta-card strong { display: block; font-size: 15px; color: #fff; font-weight: 700; }
.sidebar-cta-card .btn-primary { width: 100%; text-align: center; }

/* ── Reading progress ── */
#page-progress {
  position: fixed; top: 0; left: 0; height: 3px;
  background: var(--orange); width: 0%; z-index: 9999;
  transition: width 0.1s linear;
}

/* ── Page nav (related pages) ── */
.page-nav-strip {
  background: var(--cream); border-top: 1px solid var(--border);
  padding: 32px 40px;
}
.page-nav-inner {
  max-width: 1120px; margin: 0 auto;
  display: flex; justify-content: space-between; align-items: center;
  gap: 16px; flex-wrap: wrap;
}
.page-nav-link {
  display: flex; align-items: center; gap: 8px;
  font-size: 13px; color: var(--text-mid); text-decoration: none;
  padding: 10px 16px; border: 1px solid var(--border);
  border-radius: 8px; background: #fff; transition: all 0.2s;
  max-width: 260px;
}
.page-nav-link:hover { border-color: var(--orange); color: var(--orange); }
.page-nav-link span { display: block; font-weight: 600; color: var(--text-dark); font-size: 14px; line-height: 1.3; }
.page-nav-link.prev svg { flex-shrink: 0; }
.page-nav-link.next { margin-left: auto; flex-direction: row-reverse; }

/* ─── RESPONSIVE ─── */
@media (max-width: 960px) {
  .hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .hero-right  { display: none; }
  .page-layout { grid-template-columns: 1fr; gap: 32px; }
  .page-sidebar { position: static; }
}

@media (max-width: 680px) {
  .container { padding: 0 16px; }
  .nav-inner, .stats-grid { padding: 12px 16px; }
  .hero { padding: 40px 0 36px; }
  .hero-inner { padding: 0 16px; }
  .cta-banner { padding: 44px 16px; }
  footer { padding: 20px 16px; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .stat-item:nth-child(2) { border-right: none; }
  .stat-item:nth-child(3) { border-top: 1px solid var(--border); }
  .blog-grid, .lender-grid { grid-template-columns: 1fr; }
  .slider-row { flex-wrap: wrap; }
  .slider-label { width: 100%; }
  .slider-val { width: auto; }
  .footer-inner { flex-direction: column; }
  .page-hero-inner, .page-layout { padding-left: 16px; padding-right: 16px; }
  .page-hero h1 { font-size: 26px; }
  .page-nav-strip { padding: 20px 16px; }
}

/* --- CIC lookup page --- */
.cic-page {
  background: #f7f4ee;
  color: #191919;
  padding-bottom: 72px;
  font-family: inherit;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
.cic-hero {
  background:
    linear-gradient(120deg, rgba(8,41,69,0.98), rgba(19,25,41,0.98)),
    var(--navy);
  color: #fff;
  padding: 48px 0 86px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.cic-hero-inner {
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 40px;
}
.cic-breadcrumb {
  display: flex;
  align-items: center;
  gap: 9px;
  margin-bottom: 22px;
  color: rgba(255,255,255,0.48);
  font-size: 13px;
  font-weight: 700;
}
.cic-breadcrumb a:hover,
.cic-hero h1 span,
.cic-seo-content h2 span {
  color: var(--orange);
}
.cic-breadcrumb strong { color: rgba(255,255,255,0.72); }
.cic-hero h1 {
  max-width: 820px;
  font-size: clamp(32px, 5vw, 48px);
  line-height: 1.16;
  margin: 0 0 12px;
  font-weight: 900;
  letter-spacing: -0.4px;
}
.cic-hero p {
  max-width: 900px;
  color: rgba(255,255,255,0.68);
  font-size: 17px;
  line-height: 1.65;
  margin: 0;
}
.cic-lookup-card,
.cic-recent-card,
.cic-seo-content {
  max-width: 1040px;
  margin: 28px auto 0;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 30px;
  box-shadow: 0 14px 38px rgba(19,25,41,0.055);
}
.cic-lookup-card {
  margin-top: -48px;
  position: relative;
  z-index: 2;
  box-shadow: 0 18px 45px rgba(19,25,41,0.08);
}
.cic-card-title {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  margin-bottom: 26px;
}
.cic-icon {
  width: 26px;
  height: 26px;
  color: var(--orange);
  flex: 0 0 auto;
  margin-top: 4px;
}
.cic-icon svg,
.cic-trust-row svg,
.cic-submit svg {
  width: 100%;
  height: 100%;
}
.cic-card-title h2,
.cic-recent-head h2 {
  margin: 0;
  font-size: 24px;
  line-height: 1.25;
  font-weight: 800;
  letter-spacing: 0;
}
.cic-card-title p {
  margin: 6px 0 0;
  color: #4d4d4d;
  font-size: 16px;
}
.cic-form {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px 20px;
}
.cic-field label {
  display: block;
  margin-bottom: 8px;
  color: #3f3f3f;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.25px;
  text-transform: uppercase;
}
.cic-field input,
.cic-field select {
  width: 100%;
  min-height: 54px;
  border: 1px solid #d9d9d9;
  border-radius: 8px;
  background: #fff;
  color: #111;
  font: inherit;
  font-size: 16px;
  padding: 12px 16px;
  outline: none;
}
.cic-field input:focus,
.cic-field select:focus {
  border-color: var(--orange);
  box-shadow: 0 0 0 3px rgba(232,99,42,0.13);
}
.cic-submit {
  grid-column: 1 / -1;
  min-height: 52px;
  border: 0;
  border-radius: 8px;
  background: var(--orange);
  color: #fff;
  cursor: pointer;
  font-size: 18px;
  font-weight: 900;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
}
.cic-submit svg {
  width: 24px;
  height: 24px;
}
.cic-submit:hover {
  background: var(--orange-light);
  color: #fff;
}
.cic-submit:disabled {
  opacity: 0.65;
  cursor: wait;
}
.cic-form-message {
  grid-column: 1 / -1;
  min-height: 20px;
  margin: -8px 0 0;
  color: var(--text-mid);
  font-size: 14px;
}
.cic-form-message.is-error { color: var(--red); }
.cic-form-message.is-success { color: var(--green); font-weight: 700; }
.cic-trust-row {
  display: flex;
  justify-content: center;
  gap: 26px;
  flex-wrap: wrap;
  margin-top: 16px;
  color: #59614f;
  font-size: 15px;
}
.cic-trust-row span {
  display: inline-flex;
  align-items: center;
  gap: 7px;
}
.cic-trust-row svg {
  width: 18px;
  height: 18px;
  stroke: #7aa141;
  fill: none;
  stroke-width: 2;
}
.cic-recent-head {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  margin-bottom: 18px;
}
.cic-recent-head h2 {
  display: flex;
  align-items: center;
  gap: 12px;
}
.cic-recent-head h2 span {
  width: 11px;
  height: 11px;
  border-radius: 999px;
  background: #b8dca3;
}
.cic-recent-head strong {
  color: #3f3f3f;
  font-size: 14px;
  font-weight: 600;
}
.cic-table-wrap { overflow-x: auto; }
.cic-recent-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 15px;
}
.cic-recent-table th {
  background: #f6f3ed;
  color: #4d4d4d;
  text-align: left;
  padding: 13px 16px;
  font-weight: 700;
}
.cic-recent-table td {
  padding: 13px 16px;
  border-bottom: 1px solid #ececec;
  vertical-align: middle;
  color: #222;
  font-weight: 500;
}
.cic-recent-table tbody tr:hover td { background: #fffaf5; }
.cic-status {
  display: inline-flex;
  align-items: center;
  white-space: nowrap;
  background: #edf7df;
  color: #466a25;
  border-radius: 999px;
  padding: 5px 12px;
  font-size: 13px;
  font-weight: 700;
}
.cic-view-btn {
  min-width: 78px;
  min-height: 42px;
  border: 1px solid #d4d4d4;
  border-radius: 8px;
  background: #fff;
  color: #111;
  cursor: pointer;
  font-size: 14px;
  font-weight: 700;
  display: inline-flex;
  flex-direction: row;
  align-items: center;
  justify-content: center;
  gap: 6px;
}
.cic-view-btn:hover {
  border-color: var(--orange);
  color: var(--orange);
}
.cic-view-btn span { display: block; }
.cic-seo-content {
  border: none;
  box-shadow: none;
  background: transparent;
  max-width: 980px;
  padding: 42px 0 0;
}
.cic-seo-content h2 {
  font-size: clamp(25px, 3.5vw, 34px);
  line-height: 1.25;
  font-weight: 800;
  letter-spacing: 0;
  margin: 0 0 16px;
  color: #101828;
}
.cic-seo-content h3 {
  font-size: 23px;
  line-height: 1.3;
  margin: 32px 0 12px;
  padding-left: 14px;
  border-left: 3px solid var(--orange);
  color: #111827;
  font-weight: 800;
}
.cic-seo-content p {
  color: #344054;
  font-size: 16.5px;
  line-height: 1.78;
  margin: 0 0 16px;
  font-weight: 400;
}
.cic-keywords {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin: 22px 0 24px;
}
.cic-keywords span {
  border: 1px solid #d7d0c5;
  border-radius: 999px;
  padding: 7px 14px;
  background: #fbfaf6;
  color: #333;
}
.cic-faq-list {
  display: grid;
  gap: 10px;
  margin-top: 14px;
}
.cic-faq-item {
  overflow: hidden;
  border: 1px solid #e2ded5;
  border-radius: 10px;
  background: rgba(255,255,255,0.72);
  box-shadow: 0 1px 0 rgba(16,24,40,0.03);
}
.cic-faq-question {
  width: 100%;
  min-height: 58px;
  border: 0;
  background: transparent;
  color: #111827;
  cursor: pointer;
  padding: 16px 18px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  font: inherit;
  font-size: 16.5px;
  font-weight: 800;
  text-align: left;
}
.cic-faq-question i {
  width: 26px;
  height: 26px;
  border-radius: 999px;
  background: #fff3ea;
  color: var(--orange);
  position: relative;
  flex: 0 0 auto;
}
.cic-faq-question i::before,
.cic-faq-question i::after {
  content: "";
  position: absolute;
  left: 7px;
  right: 7px;
  top: 12px;
  height: 2px;
  border-radius: 2px;
  background: currentColor;
}
.cic-faq-question i::after {
  transform: rotate(90deg);
}
.cic-faq-item.is-open .cic-faq-question i::after {
  opacity: 0;
}
.cic-faq-answer {
  display: none;
  padding: 0 18px 18px;
}
.cic-faq-item.is-open .cic-faq-answer {
  display: block;
}
.cic-faq-answer p {
  margin: 0;
  color: #475467;
  font-size: 15.5px;
  line-height: 1.7;
}
.cic-result-modal {
  position: fixed;
  inset: 0;
  z-index: 1000;
  display: grid;
  place-items: center;
  background: rgba(8,20,34,0.62);
  padding: 20px;
}
.cic-result-modal[hidden] { display: none; }
.cic-modal-panel {
  width: min(460px, 100%);
  background: #fff;
  border-radius: 12px;
  padding: 26px;
  position: relative;
  box-shadow: 0 24px 80px rgba(0,0,0,0.24);
}
.cic-modal-close {
  position: absolute;
  top: 10px;
  right: 12px;
  width: 34px;
  height: 34px;
  border: none;
  background: transparent;
  cursor: pointer;
  font-size: 28px;
  line-height: 1;
}
.cic-modal-panel h2 {
  margin: 0 0 8px;
  font-size: 24px;
}
.cic-modal-panel p {
  margin: 0 0 18px;
  color: var(--text-mid);
  line-height: 1.7;
}
.cic-result-grid {
  display: grid;
  grid-template-columns: 120px 1fr;
  gap: 10px 14px;
  font-size: 15px;
}
.cic-result-grid span { color: var(--text-mid); }
.cic-result-grid strong { color: #111; }

@media (max-width: 760px) {
  .cic-page { padding-bottom: 40px; }
  .cic-hero { padding: 34px 0 70px; }
  .cic-hero-inner { padding: 0 16px; }
  .cic-lookup-card,
  .cic-recent-card {
    margin: 18px 12px 0;
    padding: 20px;
    border-radius: 10px;
  }
  .cic-lookup-card { margin-top: -38px; }
  .cic-card-title h2,
  .cic-recent-head h2 { font-size: 21px; }
  .cic-card-title p { font-size: 15px; }
  .cic-form { grid-template-columns: 1fr; }
  .cic-field input,
  .cic-field select,
  .cic-submit { font-size: 16px; }
  .cic-trust-row {
    justify-content: flex-start;
    gap: 10px 16px;
    font-size: 13px;
  }
  .cic-recent-head {
    align-items: flex-start;
    flex-direction: column;
  }
  .cic-table-wrap { overflow: visible; }
  .cic-recent-table,
  .cic-recent-table tbody,
  .cic-recent-table td { display: block; width: 100%; }
  .cic-recent-table thead { display: none; }
  .cic-recent-table tr {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px 14px;
    border: 1px solid #ececec;
    border-radius: 10px;
    padding: 12px;
    margin-bottom: 12px;
    background: #fff;
  }
  .cic-recent-table td {
    border: none;
    padding: 0;
    display: block;
    text-align: left;
    min-width: 0;
    font-size: 14px;
    line-height: 1.35;
  }
  .cic-recent-table td::before {
    content: attr(data-label);
    display: inline;
    margin: 0 5px 0 0;
    color: var(--text-light);
    font-weight: 700;
    font-size: 12px;
    text-align: left;
  }
  .cic-recent-table td:nth-child(5),
  .cic-recent-table td:nth-child(6) {
    grid-column: auto;
    align-self: end;
  }
  .cic-recent-table td:nth-child(6)::before { display: none; }
  .cic-status {
    font-size: 12px;
    padding: 4px 8px;
  }
  .cic-view-btn {
    width: 100%;
    min-height: 34px;
    flex-direction: row;
    margin-left: 0;
    font-size: 14px;
  }
  .cic-seo-content {
    padding: 34px 16px 0;
  }
  .cic-seo-content h3 { font-size: 21px; }
  .cic-seo-content p { font-size: 16px; }
  .cic-faq-question { font-size: 15.5px; padding: 14px 15px; }
  .cic-faq-answer { padding: 0 15px 16px; }
}

/* --- Lender list / affiliate page --- */
.loan-page {
  background: #f7f4ee;
  color: var(--text-dark);
  padding-bottom: 72px;
}
.loan-hero {
  background: var(--navy);
  color: #fff;
  padding: 50px 0 86px;
}
.loan-hero-inner,
.loan-list-wrap,
.loan-seo-content {
  max-width: 1120px;
  margin: 0 auto;
  padding-left: 40px;
  padding-right: 40px;
}
.loan-breadcrumb {
  display: flex;
  align-items: center;
  gap: 9px;
  margin-bottom: 22px;
  color: rgba(255,255,255,0.48);
  font-size: 13px;
  font-weight: 700;
}
.loan-breadcrumb strong { color: rgba(255,255,255,0.76); }
.loan-breadcrumb a:hover { color: var(--orange); }
.loan-hero h1 {
  max-width: 820px;
  margin: 0 0 14px;
  color: #fff;
  font-size: clamp(32px, 5vw, 50px);
  line-height: 1.14;
  font-weight: 900;
}
.loan-hero p {
  max-width: 880px;
  margin: 0;
  color: rgba(255,255,255,0.68);
  font-size: 16.5px;
  line-height: 1.75;
}
.loan-list-wrap {
  margin-top: -48px;
  position: relative;
  z-index: 2;
}
.loan-list-head {
  display: flex;
  justify-content: space-between;
  gap: 24px;
  align-items: flex-end;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 26px 28px;
  box-shadow: 0 18px 45px rgba(19,25,41,0.08);
}
.loan-kicker {
  display: inline-flex;
  margin-bottom: 8px;
  color: var(--orange);
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
}
.loan-list-head h2 {
  margin: 0 0 8px;
  font-size: 26px;
  line-height: 1.25;
}
.loan-list-head p {
  max-width: 720px;
  margin: 0;
  color: var(--text-mid);
  line-height: 1.7;
}
.loan-mini-stats {
  min-width: 150px;
  border-left: 1px solid var(--border);
  padding-left: 22px;
}
.loan-mini-stats strong {
  display: block;
  font-size: 34px;
  line-height: 1;
  color: var(--orange);
}
.loan-mini-stats span {
  color: var(--text-mid);
  font-size: 13px;
}
.loan-alert {
  margin: 18px 0 0;
  border: 1px solid #fed7aa;
  border-radius: 10px;
  background: #fff7ed;
  color: #9a3412;
  padding: 12px 16px;
  font-weight: 600;
}
.loan-filter-row {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  margin: 22px 0 18px;
}
.loan-filter {
  border: 1px solid var(--border);
  background: #fff;
  color: var(--text-mid);
  border-radius: 999px;
  padding: 9px 15px;
  cursor: pointer;
  font: inherit;
  font-weight: 700;
}
.loan-filter.active,
.loan-filter:hover {
  border-color: var(--orange);
  color: var(--orange);
  background: #fff7ed;
}
.loan-lender-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}
.loan-lender-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 22px;
  box-shadow: 0 8px 28px rgba(19,25,41,0.045);
}
.loan-lender-top {
  display: flex;
  justify-content: space-between;
  gap: 14px;
  align-items: flex-start;
  margin-bottom: 18px;
}
.loan-lender-top h3 {
  margin: 0 0 8px;
  font-size: 20px;
  line-height: 1.25;
}
.loan-link-state {
  white-space: nowrap;
  color: #64748b;
  background: #f8fafc;
  border-radius: 999px;
  padding: 4px 9px;
  font-size: 12px;
  font-weight: 700;
}
.loan-facts {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
  margin: 0 0 14px;
}
.loan-facts div {
  background: #fbfaf6;
  border: 1px solid #eee8de;
  border-radius: 9px;
  padding: 10px 12px;
}
.loan-facts dt {
  color: var(--text-light);
  font-size: 12px;
  font-weight: 700;
  margin-bottom: 3px;
}
.loan-facts dd {
  margin: 0;
  color: var(--text-dark);
  font-weight: 800;
}
.loan-card-note {
  margin: 0 0 16px;
  color: #3f6f2b;
  background: #f0fdf4;
  border: 1px solid #dcfce7;
  border-radius: 9px;
  padding: 10px 12px;
  font-size: 13.5px;
  line-height: 1.55;
}
.loan-apply-form {
  display: grid;
  grid-template-columns: 1fr;
  gap: 10px;
}
.loan-apply-form label span {
  display: block;
  margin-bottom: 5px;
  color: var(--text-mid);
  font-size: 12.5px;
  font-weight: 800;
}
.loan-apply-form input {
  width: 100%;
  min-height: 44px;
  border: 1px solid #d8d8d8;
  border-radius: 8px;
  padding: 10px 12px;
  font: inherit;
  font-size: 14.5px;
  outline: none;
}
.loan-apply-form input:focus {
  border-color: var(--orange);
  box-shadow: 0 0 0 3px rgba(232,99,42,0.12);
}
.loan-apply-form button {
  min-height: 46px;
  border: none;
  border-radius: 8px;
  background: var(--orange);
  color: #fff;
  cursor: pointer;
  font: inherit;
  font-weight: 800;
}
.loan-apply-form button:hover { background: var(--orange-light); }
.loan-empty {
  grid-column: 1 / -1;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 30px;
  text-align: center;
}
.loan-seo-content {
  padding-top: 44px;
  max-width: 1040px;
}
.loan-seo-content h2,
.loan-seo-content h3 {
  color: #111827;
  line-height: 1.3;
}
.loan-seo-content h2 {
  font-size: clamp(25px, 3.2vw, 34px);
  margin: 0 0 16px;
}
.loan-seo-content h3 {
  margin: 30px 0 10px;
  padding-left: 14px;
  border-left: 3px solid var(--orange);
  font-size: 22px;
}
.loan-seo-content p,
.loan-seo-content li {
  color: #344054;
  font-size: 16px;
  line-height: 1.78;
}
.loan-seo-content p { margin: 0 0 16px; }
.loan-seo-content ul { margin: 0; padding-left: 20px; }
.loan-seo-content li { margin-bottom: 8px; }

@media (max-width: 820px) {
  .loan-hero-inner,
  .loan-list-wrap,
  .loan-seo-content {
    padding-left: 16px;
    padding-right: 16px;
  }
  .loan-hero { padding: 36px 0 70px; }
  .loan-list-head { flex-direction: column; align-items: flex-start; padding: 22px; }
  .loan-mini-stats {
    border-left: none;
    border-top: 1px solid var(--border);
    padding: 16px 0 0;
    width: 100%;
  }
  .loan-lender-grid { grid-template-columns: 1fr; }
  .loan-facts { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 480px) {
  .loan-facts { grid-template-columns: 1fr; }
  .loan-lender-top { flex-direction: column; }
  .loan-link-state { white-space: normal; }
}