/* =====================================================
   WISE LOAN APPLY - Main Stylesheet
   Theme: Modern Technology | Colors: White, Blue, Orange, Navy
   Domain: wiseloanapply.com
   ===================================================== */

/* CSS Variables */
:root {
    --color-white: #ffffff;
    --color-light: #f8fafc;
    --color-light-blue: #e0f2fe;
    --color-sky: #3b82f6;
    --color-blue: #2563eb;
    --color-navy: #1e40af;
    --color-dark-navy: #1e3a8a;
    --color-orange: #f97316;
    --color-dark-orange: #ea580c;
    --color-text: #1e293b;
    --color-text-light: #64748b;
    --color-border: #e2e8f0;
    --color-success: #22c55e;
    --color-error: #ef4444;
    --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
    --shadow-md: 0 4px 6px rgba(0,0,0,0.07);
    --shadow-lg: 0 10px 25px rgba(0,0,0,0.1);
    --shadow-xl: 0 20px 40px rgba(0,0,0,0.12);
    --radius-sm: 6px;
    --radius-md: 12px;
    --radius-lg: 20px;
    --radius-xl: 30px;
    --transition: all 0.3s ease;
    --font-main: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}

/* Reset & Base */
*, *::before, *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: var(--font-main);
    color: var(--color-text);
    background-color: var(--color-white);
    line-height: 1.6;
    overflow-x: hidden;
}

img {
    max-width: 100%;
    height: auto;
    display: block;
}

a {
    text-decoration: none;
    color: inherit;
    transition: var(--transition);
}

ul, ol {
    list-style: none;
}

/* Typography */
h1, h2, h3, h4, h5, h6 {
    font-weight: 700;
    line-height: 1.2;
    color: var(--color-navy);
}

h1 { font-size: clamp(2rem, 5vw, 3.5rem); }
h2 { font-size: clamp(1.75rem, 4vw, 2.75rem); }
h3 { font-size: clamp(1.25rem, 3vw, 1.75rem); }
h4 { font-size: clamp(1.1rem, 2.5vw, 1.35rem); }

p {
    margin-bottom: 1rem;
    color: var(--color-text-light);
}

/* Container */
.container {
    width: 100%;
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 20px;
}

.container-sm {
    max-width: 1100px;
}

.container-lg {
    max-width: 1440px;
}

/* =====================================================
   HEADER & NAVIGATION
   ===================================================== */
.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: var(--color-white);
    box-shadow: var(--shadow-md);
    transition: var(--transition);
}

.header.scrolled {
    box-shadow: var(--shadow-lg);
}

.header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 80px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--color-navy);
}

.logo img {
    width: 45px;
    height: 45px;
    border-radius: var(--radius-sm);
}

.logo span {
    color: var(--color-orange);
}

/* Main Navigation */
.main-nav {
    display: flex;
    align-items: center;
    gap: 8px;
}

.nav-link {
    padding: 10px 18px;
    font-weight: 500;
    color: var(--color-text);
    border-radius: var(--radius-md);
    position: relative;
}

.nav-link:hover {
    color: var(--color-blue);
    background: var(--color-light-blue);
}

.nav-link.active {
    color: var(--color-blue);
}

/* Dropdown */
.nav-dropdown {
    position: relative;
}

.dropdown-toggle {
    display: flex;
    align-items: center;
    gap: 6px;
    cursor: pointer;
}

.dropdown-toggle::after {
    content: '';
    border: solid var(--color-text);
    border-width: 0 2px 2px 0;
    padding: 3px;
    transform: rotate(45deg);
    transition: var(--transition);
}

.nav-dropdown:hover .dropdown-toggle::after {
    transform: rotate(-135deg);
}

.dropdown-menu {
    position: absolute;
    top: 100%;
    left: 50%;
    transform: translateX(-50%) translateY(10px);
    min-width: 200px;
    background: var(--color-white);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-xl);
    opacity: 0;
    visibility: hidden;
    transition: var(--transition);
    padding: 8px;
    border: 1px solid var(--color-border);
}

.nav-dropdown:hover .dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateX(-50%) translateY(0);
}

.dropdown-item {
    display: block;
    padding: 10px 14px;
    border-radius: var(--radius-sm);
    font-weight: 500;
    font-size: 0.95rem;
    color: var(--color-text);
    white-space: nowrap;
    transition: var(--transition);
}

.dropdown-item:hover {
    background: var(--color-light-blue);
    color: var(--color-blue);
}

/* Header CTA */
.header-cta {
    display: flex;
    align-items: center;
    gap: 12px;
}

/* Mobile Menu Toggle */
.mobile-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    cursor: pointer;
    padding: 10px;
}

.mobile-toggle span {
    width: 25px;
    height: 3px;
    background: var(--color-navy);
    border-radius: 3px;
    transition: var(--transition);
}

/* =====================================================
   BUTTONS
   ===================================================== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 14px 28px;
    font-size: 1rem;
    font-weight: 600;
    border-radius: var(--radius-md);
    border: none;
    cursor: pointer;
    transition: var(--transition);
    white-space: nowrap;
}

.btn-primary {
    background: var(--color-orange);
    color: var(--color-white);
}

.btn-primary:hover {
    background: var(--color-dark-orange);
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(249, 115, 22, 0.35);
}

.btn-secondary {
    background: var(--color-navy);
    color: var(--color-white);
}

.btn-secondary:hover {
    background: var(--color-dark-navy);
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(30, 64, 175, 0.35);
}

.btn-outline {
    background: transparent;
    color: var(--color-navy);
    border: 2px solid var(--color-navy);
}

.btn-outline:hover {
    background: var(--color-navy);
    color: var(--color-white);
}

.btn-outline-orange {
    background: transparent;
    color: var(--color-orange);
    border: 2px solid var(--color-orange);
}

.btn-outline-orange:hover {
    background: var(--color-orange);
    color: var(--color-white);
}

.btn-lg {
    padding: 18px 36px;
    font-size: 1.1rem;
}

.btn-sm {
    padding: 10px 20px;
    font-size: 0.9rem;
}

.btn-block {
    width: 100%;
}

/* =====================================================
   HERO SECTION - Vertical Slider
   ===================================================== */
.hero {
    padding-top: 100px;
    padding-bottom: 60px;
    background: var(--color-light);
}

/* Hero Top - Full Width Centered Text */
.hero-top {
    text-align: center;
    max-width: 900px;
    margin: 0 auto 50px;
    padding: 0 20px;
}

.hero-badge {
    display: inline-block;
    padding: 8px 16px;
    background: var(--color-light-blue);
    color: var(--color-blue);
    font-weight: 600;
    font-size: 0.9rem;
    border-radius: var(--radius-xl);
    margin-bottom: 20px;
}

.hero-title {
    margin-bottom: 20px;
}

.hero-title span {
    color: var(--color-orange);
}

.hero-text {
    font-size: 1.15rem;
    margin-bottom: 30px;
    color: var(--color-text-light);
    max-width: 700px;
    margin-left: auto;
    margin-right: auto;
}

.hero-features {
    display: grid;
    grid-template-columns: repeat(2, auto);
    justify-content: center;
    gap: 15px 50px;
}

.hero-feature {
    display: flex;
    align-items: center;
    gap: 10px;
    font-weight: 500;
}

.hero-feature-icon {
    width: 24px;
    height: 24px;
    background: var(--color-success);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-white);
    font-size: 14px;
}

/* Hero Bottom - Slider and Form Side by Side */
.hero-bottom {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    align-items: stretch;
}

/* Vertical Slider */
.hero-slider {
    position: relative;
    height: 680px;
    overflow: hidden;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xl);
}

.slider-track {
    position: relative;
    width: 100%;
    height: 680px;
}

.slider-slide {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 680px;
    opacity: 0;
    animation: fadeSlide 40s infinite;
}

.slider-slide:nth-child(1) { animation-delay: 0s; }
.slider-slide:nth-child(2) { animation-delay: 8s; }
.slider-slide:nth-child(3) { animation-delay: 16s; }
.slider-slide:nth-child(4) { animation-delay: 24s; }
.slider-slide:nth-child(5) { animation-delay: 32s; }

.slider-slide img {
    width: 100%;
    height: 680px;
    object-fit: cover;
    object-position: top center;
    display: block;
}

.slider-overlay {
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    padding: 25px 30px;
    background: rgba(30, 64, 175, 0.9);
    color: var(--color-white);
    z-index: 2;
}

.slider-overlay h3 {
    color: var(--color-white);
    margin-bottom: 8px;
}

.slider-overlay p {
    color: rgba(255,255,255,0.9);
    margin: 0;
    font-size: 0.95rem;
}

@keyframes fadeSlide {
    0%, 5% { opacity: 0; }
    10%, 20% { opacity: 1; }
    25%, 100% { opacity: 0; }
}

/* Slider Indicators */
.slider-indicators {
    position: absolute;
    right: 20px;
    top: 50%;
    transform: translateY(-50%);
    display: flex;
    flex-direction: column;
    gap: 12px;
    z-index: 100;
    pointer-events: auto;
}

.slider-dot {
    width: 12px;
    height: 12px;
    border-radius: 50%;
    background: rgba(255,255,255,0.5);
    cursor: pointer;
    transition: var(--transition);
    pointer-events: auto;
    position: relative;
    z-index: 101;
}

.slider-dot.active,
.slider-dot:hover {
    background: var(--color-orange);
    transform: scale(1.3);
}

/* Hero Form */
.hero-form-wrapper {
    background: var(--color-white);
    padding: 30px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    border: 1px solid var(--color-border);
    display: flex;
    flex-direction: column;
    height: 680px;
}

.hero-form-title {
    font-size: 1.35rem;
    margin-bottom: 20px;
    text-align: center;
}

.form-embed {
    flex: 1;
    min-height: 0;
}

/* =====================================================
   SECTIONS
   ===================================================== */
.section {
    padding: 80px 0;
}

.section-light {
    background: var(--color-light);
}

.section-blue {
    background: var(--color-navy);
    color: var(--color-white);
}

.section-blue h2,
.section-blue h3,
.section-blue h4 {
    color: var(--color-white);
}

.section-blue p {
    color: rgba(255,255,255,0.85);
}

.section-header {
    text-align: center;
    max-width: 700px;
    margin: 0 auto 50px;
}

.section-header h2 {
    margin-bottom: 15px;
}

.section-header p {
    font-size: 1.1rem;
}

/* =====================================================
   LOAN CATEGORIES
   ===================================================== */
.loan-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
}

.loan-card {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-md);
    transition: var(--transition);
    border: 1px solid var(--color-border);
}

.loan-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-xl);
}

.loan-card-image {
    aspect-ratio: 4 / 5;
    overflow: hidden;
}

.loan-card-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: var(--transition);
}

.loan-card:hover .loan-card-image img {
    transform: scale(1.05);
}

.loan-card-content {
    padding: 25px;
}

.loan-card-title {
    font-size: 1.25rem;
    margin-bottom: 12px;
}

.loan-card-text {
    font-size: 0.95rem;
    margin-bottom: 20px;
}

.loan-card-footer {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.loan-amount {
    font-size: 0.9rem;
    color: var(--color-blue);
    font-weight: 600;
}

/* =====================================================
   WHY CHOOSE US
   ===================================================== */
.features-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 30px;
}

.feature-card {
    text-align: center;
    padding: 35px 25px;
    background: var(--color-white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    transition: var(--transition);
    border: 1px solid var(--color-border);
}

.feature-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
    border-color: var(--color-blue);
}

.feature-icon {
    width: 70px;
    height: 70px;
    margin: 0 auto 20px;
    background: var(--color-light-blue);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 32px;
    color: var(--color-blue);
}

.feature-card h4 {
    margin-bottom: 12px;
}

.feature-card p {
    font-size: 0.95rem;
    margin: 0;
}

/* =====================================================
   HOW IT WORKS
   ===================================================== */
.steps-container {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 30px;
    position: relative;
}

.steps-container::before {
    content: '';
    position: absolute;
    top: 50px;
    left: 12.5%;
    right: 12.5%;
    height: 3px;
    background: var(--color-border);
    z-index: 0;
}

.step-card {
    text-align: center;
    position: relative;
    z-index: 1;
}

.step-number {
    width: 60px;
    height: 60px;
    margin: 0 auto 20px;
    background: var(--color-navy);
    color: var(--color-white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    font-weight: 700;
    border: 4px solid var(--color-white);
    box-shadow: var(--shadow-md);
}

.step-card h4 {
    margin-bottom: 10px;
}

.step-card p {
    font-size: 0.95rem;
}

/* =====================================================
   CALCULATOR
   ===================================================== */
.calculator-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 50px;
    align-items: start;
}

.calculator-box {
    background: var(--color-white);
    padding: 40px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    border: 1px solid var(--color-border);
}

.calculator-title {
    margin-bottom: 30px;
    text-align: center;
}

.calc-group {
    margin-bottom: 25px;
}

.calc-label {
    display: flex;
    justify-content: space-between;
    margin-bottom: 10px;
    font-weight: 600;
}

.calc-value {
    color: var(--color-blue);
}

.calc-slider {
    width: 100%;
    height: 8px;
    border-radius: 4px;
    background: var(--color-border);
    outline: none;
    -webkit-appearance: none;
}

.calc-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--color-orange);
    cursor: pointer;
    box-shadow: 0 2px 6px rgba(249, 115, 22, 0.4);
}

.calc-slider::-moz-range-thumb {
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--color-orange);
    cursor: pointer;
    border: none;
}

.calc-range {
    display: flex;
    justify-content: space-between;
    font-size: 0.85rem;
    color: var(--color-text-light);
    margin-top: 8px;
}

.calc-results {
    background: var(--color-light);
    padding: 25px;
    border-radius: var(--radius-md);
    margin-top: 30px;
}

.calc-result-item {
    display: flex;
    justify-content: space-between;
    padding: 12px 0;
    border-bottom: 1px solid var(--color-border);
}

.calc-result-item:last-child {
    border-bottom: none;
    font-weight: 700;
    font-size: 1.1rem;
    color: var(--color-navy);
}

.calculator-info h3 {
    margin-bottom: 20px;
}

.calculator-info p {
    margin-bottom: 15px;
}

.calc-benefits {
    margin-top: 25px;
}

.calc-benefit {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    margin-bottom: 15px;
}

.calc-benefit-icon {
    width: 24px;
    height: 24px;
    background: var(--color-success);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-white);
    font-size: 14px;
    flex-shrink: 0;
    margin-top: 2px;
}

/* Full Width Benefits Row for Calculator Page */
.calc-benefits-row {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
    margin-top: 50px;
    padding-top: 50px;
    border-top: 1px solid var(--color-border);
}

.calc-benefit-card {
    display: flex;
    align-items: flex-start;
    gap: 15px;
    background: var(--color-white);
    padding: 25px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    border: 1px solid var(--color-border);
}

.calc-benefit-card .calc-benefit-icon {
    width: 32px;
    height: 32px;
    font-size: 16px;
    margin-top: 0;
}

.calc-benefit-card strong {
    display: block;
    font-size: 1.1rem;
    margin-bottom: 5px;
    color: var(--color-text);
}

.calc-benefit-card p {
    font-size: 0.95rem;
    color: var(--color-text-light);
    line-height: 1.5;
}

/* Calculator Explanation Box */
.calc-explanation {
    background: var(--color-light);
    padding: 25px;
    border-radius: var(--radius-md);
    border-left: 4px solid var(--color-blue);
}

.calc-explanation h3 {
    color: var(--color-blue);
    margin-bottom: 15px;
    font-size: 1.2rem;
}

.calc-explanation p {
    font-size: 0.95rem;
    line-height: 1.6;
    margin-bottom: 12px;
}

.calc-explanation p:last-child {
    margin-bottom: 0;
}

/* =====================================================
   TESTIMONIALS / REVIEWS
   ===================================================== */
.reviews-header {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    margin-bottom: 50px;
    align-items: stretch;
}

.reviews-header > div:first-child img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.rating-overview {
    background: var(--color-white);
    padding: 35px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    border: 1px solid var(--color-border);
    display: flex;
    flex-direction: column;
}

.rating-big {
    display: flex;
    align-items: center;
    gap: 20px;
    margin-bottom: 25px;
}

.rating-number {
    font-size: 4rem;
    font-weight: 800;
    color: var(--color-navy);
    line-height: 1;
}

.rating-stars {
    color: var(--color-orange);
    font-size: 1.5rem;
    margin-bottom: 5px;
}

.rating-count {
    color: var(--color-text-light);
    font-size: 0.95rem;
}

.rating-bars {
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.rating-bar-row {
    display: flex;
    align-items: center;
    gap: 12px;
}

.rating-bar-label {
    width: 50px;
    font-size: 0.9rem;
    color: var(--color-text-light);
}

.rating-bar {
    flex: 1;
    height: 10px;
    background: var(--color-border);
    border-radius: 5px;
    overflow: hidden;
}

.rating-bar-fill {
    height: 100%;
    background: var(--color-orange);
    border-radius: 5px;
}

.rating-bar-count {
    width: 60px;
    text-align: right;
    font-size: 0.85rem;
    color: var(--color-text-light);
}

/* Rating Quote */
.rating-quote {
    margin-top: 25px;
    padding: 20px;
    background: linear-gradient(135deg, var(--color-light-blue) 0%, #f0f7ff 100%);
    border-radius: var(--radius-md);
    border-left: 4px solid var(--color-blue);
}

.rating-quote blockquote {
    font-style: italic;
    color: var(--color-navy);
    font-size: 1rem;
    line-height: 1.6;
    margin: 0 0 10px 0;
}

.rating-quote cite {
    font-size: 0.85rem;
    color: var(--color-blue);
    font-style: normal;
    font-weight: 600;
}

/* Rating Highlights */
.rating-highlights {
    margin-top: 20px;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.rating-highlight-item {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 12px 15px;
    background: var(--color-light);
    border-radius: var(--radius-sm);
    font-weight: 500;
    color: var(--color-text);
}

.highlight-icon {
    font-size: 1.2rem;
}

/* Review Cards */
.reviews-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 25px;
}

.review-card {
    background: var(--color-white);
    padding: 28px;
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--color-border);
    transition: var(--transition);
}

.review-card:hover {
    box-shadow: var(--shadow-md);
}

.review-header {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    margin-bottom: 15px;
}

.reviewer-info {
    display: flex;
    align-items: center;
    gap: 12px;
}

.reviewer-avatar {
    width: 48px;
    height: 48px;
    background: var(--color-light-blue);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    color: var(--color-blue);
    font-size: 1.1rem;
}

.reviewer-name {
    font-weight: 600;
    color: var(--color-text);
}

.reviewer-date {
    font-size: 0.85rem;
    color: var(--color-text-light);
}

.review-stars {
    color: var(--color-orange);
}

.review-text {
    font-size: 0.95rem;
    line-height: 1.7;
    color: var(--color-text-light);
    margin: 0;
}

.review-verified {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    margin-top: 12px;
    font-size: 0.85rem;
    color: var(--color-success);
}

/* =====================================================
   BLOG
   ===================================================== */
.blog-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
}

.blog-card {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-md);
    transition: var(--transition);
    border: 1px solid var(--color-border);
}

.blog-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
}

.blog-card-link {
    display: block;
}

.blog-card-image {
    aspect-ratio: 4 / 5;
    overflow: hidden;
    border-radius: var(--radius-md) var(--radius-md) 0 0;
}

.blog-card-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: var(--transition);
}

.blog-card:hover .blog-card-image img {
    transform: scale(1.05);
}

.blog-card-content {
    padding: 25px;
}

.blog-card-meta {
    display: flex;
    gap: 15px;
    margin-bottom: 12px;
    font-size: 0.85rem;
    color: var(--color-text-light);
}

.blog-card-category {
    color: var(--color-blue);
    font-weight: 600;
}

.blog-card-title {
    font-size: 1.15rem;
    margin-bottom: 12px;
    transition: var(--transition);
}

.blog-card:hover .blog-card-title {
    color: var(--color-blue);
}

.blog-card-excerpt {
    font-size: 0.95rem;
    margin-bottom: 15px;
    display: -webkit-box;
    -webkit-line-clamp: 3;
    -webkit-box-orient: vertical;
    overflow: hidden;
}

.blog-card-footer {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.blog-read-more {
    color: var(--color-orange);
    font-weight: 600;
    display: flex;
    align-items: center;
    gap: 6px;
}

.blog-read-more:hover {
    gap: 10px;
}

/* Blog Post Single */
.blog-post-header {
    padding: 120px 0 60px;
    background: var(--color-light);
}

.blog-post-meta {
    display: flex;
    flex-wrap: wrap;
    gap: 20px;
    margin-bottom: 20px;
    font-size: 0.95rem;
    color: var(--color-text-light);
}

.blog-post-author {
    display: flex;
    align-items: center;
    gap: 8px;
}

.author-avatar {
    width: 36px;
    height: 36px;
    background: var(--color-blue);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-white);
    font-weight: 600;
    font-size: 0.9rem;
}

.blog-post-title {
    font-size: clamp(1.75rem, 4vw, 2.5rem);
    margin-bottom: 20px;
}

.blog-post-excerpt {
    font-size: 1.15rem;
    color: var(--color-text-light);
    max-width: 800px;
}

.blog-post-image {
    margin: -40px auto 50px;
    max-width: 900px;
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-xl);
}

.blog-post-image img {
    width: 100%;
}

.blog-post-content {
    max-width: 800px;
    margin: 0 auto;
    padding-bottom: 60px;
}

.blog-post-content h2 {
    margin: 40px 0 20px;
    font-size: 1.75rem;
}

.blog-post-content h3 {
    margin: 30px 0 15px;
    font-size: 1.35rem;
}

.blog-post-content p {
    margin-bottom: 20px;
    font-size: 1.05rem;
    line-height: 1.8;
}

.blog-post-content ul,
.blog-post-content ol {
    margin: 20px 0;
    padding-left: 25px;
}

.blog-post-content li {
    margin-bottom: 10px;
    font-size: 1.05rem;
    line-height: 1.7;
    list-style: disc;
    color: var(--color-text-light);
}

.blog-post-content ol li {
    list-style: decimal;
}

.blog-callout {
    background: var(--color-light-blue);
    border-left: 4px solid var(--color-blue);
    padding: 25px;
    margin: 30px 0;
    border-radius: 0 var(--radius-md) var(--radius-md) 0;
}

.blog-callout p {
    margin: 0;
    color: var(--color-navy);
}

/* Related Posts */
.related-posts {
    background: var(--color-light);
    padding: 60px 0;
}

.related-posts h3 {
    text-align: center;
    margin-bottom: 35px;
}

.related-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
}

/* =====================================================
   FAQ
   ===================================================== */
.faq-container {
    max-width: 900px;
    margin: 0 auto;
}

.faq-item {
    background: var(--color-white);
    border-radius: var(--radius-md);
    margin-bottom: 15px;
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--color-border);
    overflow: hidden;
}

.faq-question {
    width: 100%;
    padding: 22px 25px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    background: none;
    border: none;
    cursor: pointer;
    text-align: left;
    font-size: 1.05rem;
    font-weight: 600;
    color: var(--color-text);
    transition: var(--transition);
}

.faq-question:hover {
    background: var(--color-light);
}

.faq-icon {
    width: 28px;
    height: 28px;
    background: var(--color-light-blue);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-blue);
    font-size: 1.25rem;
    transition: var(--transition);
    flex-shrink: 0;
}

.faq-item.active .faq-icon {
    background: var(--color-blue);
    color: var(--color-white);
    transform: rotate(45deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease;
}

.faq-item.active .faq-answer {
    max-height: 500px;
}

.faq-answer-inner {
    padding: 0 25px 22px;
    color: var(--color-text-light);
    line-height: 1.7;
}

/* =====================================================
   FORMS
   ===================================================== */
.form-group {
    margin-bottom: 20px;
}

.form-label {
    display: block;
    margin-bottom: 8px;
    font-weight: 600;
    color: var(--color-text);
}

.form-input,
.form-textarea,
.form-select {
    width: 100%;
    padding: 14px 18px;
    border: 2px solid var(--color-border);
    border-radius: var(--radius-md);
    font-size: 1rem;
    transition: var(--transition);
    background: var(--color-white);
}

.form-input:focus,
.form-textarea:focus,
.form-select:focus {
    outline: none;
    border-color: var(--color-blue);
    box-shadow: 0 0 0 4px rgba(59, 130, 246, 0.1);
}

.form-textarea {
    min-height: 150px;
    resize: vertical;
}

/* =====================================================
   BREADCRUMB
   ===================================================== */
.breadcrumb {
    padding: 100px 0 10px;
    background: var(--color-light);
}

.breadcrumb-list {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    font-size: 0.9rem;
}

.breadcrumb-item {
    display: flex;
    align-items: center;
    gap: 8px;
    color: var(--color-text-light);
}

.breadcrumb-item a {
    color: var(--color-blue);
}

.breadcrumb-item a:hover {
    text-decoration: underline;
}

.breadcrumb-item:not(:last-child)::after {
    content: '/';
    color: var(--color-text-light);
}

.breadcrumb-item.active {
    color: var(--color-text);
}

/* =====================================================
   PAGE HEADER
   ===================================================== */
.page-header {
    padding: 40px 0 60px;
    background: var(--color-light);
    text-align: center;
}

.page-header h1 {
    margin-bottom: 15px;
}

.page-header p {
    max-width: 700px;
    margin: 0 auto;
    font-size: 1.1rem;
}

/* =====================================================
   CTA SECTION
   ===================================================== */
.cta-section {
    padding: 80px 0;
    background: var(--color-navy);
    text-align: center;
}

.cta-section h2 {
    color: var(--color-white);
    margin-bottom: 15px;
}

.cta-section p {
    color: rgba(255,255,255,0.85);
    max-width: 600px;
    margin: 0 auto 30px;
    font-size: 1.1rem;
}

.cta-buttons {
    display: flex;
    justify-content: center;
    gap: 15px;
    flex-wrap: wrap;
}

/* =====================================================
   COMPARISON TABLE
   ===================================================== */
.comparison-table {
    width: 100%;
    background: var(--color-white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--color-border);
}

.comparison-table th,
.comparison-table td {
    padding: 18px 20px;
    text-align: left;
    border-bottom: 1px solid var(--color-border);
}

.comparison-table th {
    background: var(--color-navy);
    color: var(--color-white);
    font-weight: 600;
}

.comparison-table tr:last-child td {
    border-bottom: none;
}

.comparison-table tr:hover td {
    background: var(--color-light);
}

.check-icon {
    color: var(--color-success);
    font-size: 1.25rem;
}

.cross-icon {
    color: var(--color-error);
    font-size: 1.25rem;
}

/* =====================================================
   APR DISCLOSURE
   ===================================================== */
.apr-notice {
    background: var(--color-light);
    padding: 25px;
    border-radius: var(--radius-md);
    margin-top: 30px;
    border-left: 4px solid var(--color-blue);
}

.apr-notice h4 {
    margin-bottom: 10px;
    font-size: 1rem;
}

.apr-notice p {
    font-size: 0.9rem;
    margin: 0;
    line-height: 1.6;
}

/* FAQ Sidebar Boxes */
.faq-sidebar-box {
    background: var(--color-white);
    padding: 25px;
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-md);
    border: 1px solid var(--color-border);
}

.faq-sidebar-box h4 {
    margin-bottom: 15px;
    font-size: 1.1rem;
    color: var(--color-blue);
}

.faq-quick-list {
    list-style: none;
    padding: 0;
    margin: 0;
}

.faq-quick-list li {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 10px 0;
    border-bottom: 1px solid var(--color-border);
    font-size: 0.95rem;
}

.faq-quick-list li:last-child {
    border-bottom: none;
    padding-bottom: 0;
}

.quick-icon {
    font-size: 1.1rem;
}

.faq-loan-links {
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.faq-loan-links a {
    display: block;
    padding: 12px 15px;
    background: var(--color-light);
    border-radius: var(--radius-sm);
    color: var(--color-text);
    font-size: 0.95rem;
    transition: var(--transition);
}

.faq-loan-links a:hover {
    background: var(--color-light-blue);
    color: var(--color-blue);
    transform: translateX(5px);
}

.trust-items {
    display: flex;
    flex-direction: column;
    gap: 15px;
}

.trust-item {
    display: flex;
    align-items: flex-start;
    gap: 12px;
}

.trust-icon {
    font-size: 1.5rem;
    flex-shrink: 0;
}

.trust-item strong {
    display: block;
    font-size: 0.95rem;
    margin-bottom: 3px;
}

.trust-item p {
    font-size: 0.85rem;
    color: var(--color-text-light);
    margin: 0;
}

/* =====================================================
   FOOTER
   ===================================================== */
.footer {
    background: var(--color-dark-navy);
    color: var(--color-white);
    padding-top: 70px;
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 50px;
    padding-bottom: 50px;
    border-bottom: 1px solid rgba(255,255,255,0.1);
}

.footer-brand {
    max-width: 320px;
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 1.4rem;
    font-weight: 800;
    margin-bottom: 20px;
}

.footer-logo img {
    width: 40px;
    height: 40px;
    border-radius: var(--radius-sm);
}

.footer-logo span {
    color: var(--color-orange);
}

.footer-brand p {
    color: rgba(255,255,255,0.7);
    font-size: 0.95rem;
    line-height: 1.7;
}

.footer-title {
    font-size: 1.1rem;
    font-weight: 700;
    margin-bottom: 20px;
    color: var(--color-white);
}

.footer-links {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.footer-link {
    color: rgba(255,255,255,0.7);
    font-size: 0.95rem;
    transition: var(--transition);
}

.footer-link:hover {
    color: var(--color-orange);
    padding-left: 5px;
}

.footer-contact-item {
    display: flex;
    align-items: center;
    gap: 10px;
    color: rgba(255,255,255,0.7);
    margin-bottom: 12px;
}

.footer-bottom {
    padding: 25px 0;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 15px;
}

.footer-copyright {
    color: rgba(255,255,255,0.6);
    font-size: 0.9rem;
}

.footer-legal {
    display: flex;
    gap: 25px;
}

.footer-legal a {
    color: rgba(255,255,255,0.6);
    font-size: 0.9rem;
}

.footer-legal a:hover {
    color: var(--color-white);
}

/* =====================================================
   RESPONSIVE
   ===================================================== */
@media (max-width: 1200px) {
    .features-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .footer-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 992px) {
    .hero-bottom {
        grid-template-columns: 1fr;
        gap: 30px;
    }
    
    .hero-slider {
        height: 400px;
    }
    
    .slider-track {
        height: 400px;
    }
    
    .slider-slide,
    .slider-slide img {
        height: 400px;
    }
    
    .hero-form-wrapper {
        height: auto;
        min-height: 450px;
    }
    
    .loan-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .steps-container {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .steps-container::before {
        display: none;
    }
    
    .calculator-wrapper {
        grid-template-columns: 1fr;
    }
    
    .reviews-header {
        grid-template-columns: 1fr;
    }
    
    .main-nav {
        display: none;
    }
    
    .mobile-toggle {
        display: flex;
    }
}

@media (max-width: 768px) {
    .section {
        padding: 60px 0;
    }
    
    .hero {
        padding-top: 80px;
    }
    
    .hero-top {
        margin-bottom: 30px;
    }
    
    .hero-features {
        grid-template-columns: 1fr 1fr;
        gap: 12px 20px;
    }
    
    .loan-grid,
    .blog-grid,
    .related-grid {
        grid-template-columns: 1fr;
    }
    
    .features-grid {
        grid-template-columns: 1fr;
    }
    
    .steps-container {
        grid-template-columns: 1fr;
    }
    
    .reviews-grid {
        grid-template-columns: 1fr;
    }
    
    .footer-grid {
        grid-template-columns: 1fr;
        gap: 35px;
    }
    
    .footer-bottom {
        flex-direction: column;
        text-align: center;
    }
    
    .hero-slider {
        height: 350px;
    }
    
    .slider-track {
        height: 350px;
    }
    
    .slider-slide,
    .slider-slide img {
        height: 350px;
    }
    
    .calculator-box {
        padding: 25px;
    }
}

@media (max-width: 576px) {
    .container {
        padding: 0 15px;
    }
    
    .header-inner {
        height: 70px;
    }
    
    .logo {
        font-size: 1.25rem;
    }
    
    .logo img {
        width: 35px;
        height: 35px;
    }
    
    .btn {
        padding: 12px 24px;
    }
    
    .btn-lg {
        padding: 14px 28px;
    }
    
    .hero-form-wrapper {
        padding: 20px;
    }
    
    .rating-number {
        font-size: 3rem;
    }
}

/* =====================================================
   MOBILE NAVIGATION
   ===================================================== */
.mobile-nav {
    position: fixed;
    top: 0;
    right: -100%;
    width: 100%;
    max-width: 350px;
    height: 100vh;
    background: var(--color-white);
    z-index: 1001;
    padding: 80px 25px 25px;
    box-shadow: var(--shadow-xl);
    transition: right 0.3s ease;
    overflow-y: auto;
}

.mobile-nav.active {
    right: 0;
}

.mobile-nav-close {
    position: absolute;
    top: 20px;
    right: 20px;
    width: 40px;
    height: 40px;
    background: var(--color-light);
    border: none;
    border-radius: 50%;
    cursor: pointer;
    font-size: 1.5rem;
    display: flex;
    align-items: center;
    justify-content: center;
}

.mobile-nav-links {
    display: flex;
    flex-direction: column;
    gap: 5px;
}

.mobile-nav-link {
    padding: 15px;
    font-weight: 500;
    border-radius: var(--radius-md);
    color: var(--color-text);
}

.mobile-nav-link:hover,
.mobile-nav-link.active {
    background: var(--color-light-blue);
    color: var(--color-blue);
}

.mobile-dropdown-toggle {
    display: flex;
    justify-content: space-between;
    align-items: center;
    width: 100%;
}

.mobile-dropdown-menu {
    display: none;
    padding-left: 15px;
    margin-top: 5px;
}

.mobile-dropdown.active .mobile-dropdown-menu {
    display: block;
}

.mobile-overlay {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(0,0,0,0.5);
    z-index: 1000;
    opacity: 0;
    visibility: hidden;
    transition: var(--transition);
}

.mobile-overlay.active {
    opacity: 1;
    visibility: visible;
}

/* =====================================================
   UTILITIES
   ===================================================== */
.text-center { text-align: center; }
.text-left { text-align: left; }
.text-right { text-align: right; }

.mb-0 { margin-bottom: 0; }
.mb-1 { margin-bottom: 10px; }
.mb-2 { margin-bottom: 20px; }
.mb-3 { margin-bottom: 30px; }
.mb-4 { margin-bottom: 40px; }

.mt-0 { margin-top: 0; }
.mt-1 { margin-top: 10px; }
.mt-2 { margin-top: 20px; }
.mt-3 { margin-top: 30px; }
.mt-4 { margin-top: 40px; }

.d-flex { display: flex; }
.align-center { align-items: center; }
.justify-center { justify-content: center; }
.justify-between { justify-content: space-between; }
.flex-wrap { flex-wrap: wrap; }
.gap-1 { gap: 10px; }
.gap-2 { gap: 20px; }
.gap-3 { gap: 30px; }

.hidden { display: none; }
.visible { display: block; }

/* Print Styles */
@media print {
    .header,
    .footer,
    .cta-section,
    .mobile-nav,
    .mobile-overlay {
        display: none;
    }
    
    .section {
        padding: 30px 0;
    }
}

/* =====================================================
   ENHANCED BLOG POST STYLES
   ===================================================== */

/* Blog Post Page Layout */
.blog-article {
    padding: 20px 0 80px;
    background: var(--color-white);
}

.blog-layout {
    display: grid;
    grid-template-columns: 1fr 320px;
    gap: 50px;
    align-items: start;
}

.blog-main {
    min-width: 0;
}

/* Blog Post Header */
.blog-post-header {
    margin-bottom: 30px;
}

.blog-post-header .blog-card-category {
    display: inline-block;
    padding: 8px 20px;
    background: linear-gradient(135deg, var(--color-blue) 0%, var(--color-navy) 100%);
    color: white;
    font-weight: 600;
    font-size: 0.9rem;
    border-radius: var(--radius-xl);
    margin-bottom: 20px;
}

.blog-post-header h1 {
    font-size: clamp(1.75rem, 4vw, 2.5rem);
    margin-bottom: 20px;
    line-height: 1.25;
    color: var(--color-navy);
}

.blog-post-meta {
    display: flex;
    flex-wrap: wrap;
    gap: 20px;
    color: var(--color-text-light);
    font-size: 0.95rem;
    margin-bottom: 30px;
    padding-bottom: 20px;
    border-bottom: 1px solid var(--color-border);
}

.blog-post-meta span {
    display: flex;
    align-items: center;
    gap: 6px;
}

.blog-post-image {
    width: 100%;
    height: auto;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    margin-top: 10px;
}

/* Blog Post Content */
.blog-post-content {
    font-size: 1.1rem;
    line-height: 1.9;
    color: var(--color-text);
}

.blog-post-content h2 {
    font-size: 1.6rem;
    margin: 50px 0 20px;
    color: var(--color-navy);
    padding-left: 15px;
    border-left: 4px solid var(--color-orange);
}

.blog-post-content h3 {
    font-size: 1.3rem;
    margin: 35px 0 15px;
    color: var(--color-navy);
}

.blog-post-content p {
    margin-bottom: 20px;
    color: var(--color-text);
}

.blog-post-content strong {
    color: var(--color-navy);
    font-weight: 600;
}

.blog-post-content ul,
.blog-post-content ol {
    margin: 25px 0;
    padding-left: 25px;
}

.blog-post-content li {
    margin-bottom: 12px;
    padding-left: 10px;
}

.blog-post-content blockquote {
    margin: 30px 0;
    padding: 25px 30px;
    background: linear-gradient(135deg, var(--color-light-blue) 0%, #f0f7ff 100%);
    border-left: 4px solid var(--color-blue);
    border-radius: 0 var(--radius-md) var(--radius-md) 0;
    font-style: italic;
    color: var(--color-navy);
}

/* Highlight Box */
.blog-highlight {
    background: linear-gradient(135deg, #fff7ed 0%, #ffedd5 100%);
    border: 1px solid #fed7aa;
    border-radius: var(--radius-md);
    padding: 25px;
    margin: 30px 0;
}

.blog-highlight-title {
    font-weight: 700;
    color: var(--color-dark-orange);
    margin-bottom: 10px;
    display: flex;
    align-items: center;
    gap: 10px;
}

/* Stats Box */
.blog-stats {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 15px;
    margin: 35px 0;
}

.blog-stat-item {
    text-align: center;
    padding: 20px 10px;
    background: var(--color-light);
    border-radius: var(--radius-md);
    border: 1px solid var(--color-border);
    overflow: hidden;
}

.blog-stat-number {
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--color-blue);
    display: block;
    word-wrap: break-word;
    overflow-wrap: break-word;
}

.blog-stat-label {
    font-size: 0.8rem;
    color: var(--color-text-light);
    margin-top: 5px;
    word-wrap: break-word;
    overflow-wrap: break-word;
}

/* Share Buttons */
.blog-share {
    display: flex;
    align-items: center;
    gap: 15px;
    margin: 40px 0;
    padding: 20px 0;
    border-top: 1px solid var(--color-border);
    border-bottom: 1px solid var(--color-border);
}

.blog-share-label {
    font-weight: 600;
    color: var(--color-navy);
}

.blog-share-buttons {
    display: flex;
    gap: 10px;
}

.blog-share-btn {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.1rem;
    color: white;
    transition: var(--transition);
}

.blog-share-btn:hover {
    transform: scale(1.1);
}

.blog-share-btn.facebook { background: #1877f2; }
.blog-share-btn.twitter { background: #1da1f2; }
.blog-share-btn.linkedin { background: #0a66c2; }
.blog-share-btn.email { background: var(--color-orange); }

/* Author Box */
.blog-author {
    display: flex;
    gap: 25px;
    padding: 30px;
    background: var(--color-light);
    border-radius: var(--radius-lg);
    margin: 40px 0;
    border: 1px solid var(--color-border);
}

.blog-author-avatar {
    width: 80px;
    height: 80px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--color-blue) 0%, var(--color-navy) 100%);
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 2rem;
    font-weight: 700;
    flex-shrink: 0;
}

.blog-author-info h4 {
    font-size: 1.1rem;
    margin-bottom: 5px;
    color: var(--color-navy);
}

.blog-author-title {
    font-size: 0.9rem;
    color: var(--color-blue);
    margin-bottom: 10px;
}

.blog-author-bio {
    font-size: 0.95rem;
    color: var(--color-text-light);
    margin: 0;
}

/* Blog CTA */
.blog-post-cta {
    background: linear-gradient(135deg, var(--color-orange) 0%, var(--color-dark-orange) 100%);
    color: white;
    padding: 45px;
    border-radius: var(--radius-lg);
    text-align: center;
    margin-top: 50px;
    box-shadow: var(--shadow-lg);
}

.blog-post-cta h3 {
    font-size: 1.75rem;
    margin-bottom: 15px;
    color: white;
}

.blog-post-cta p {
    margin-bottom: 25px;
    opacity: 0.95;
    color: white;
    font-size: 1.1rem;
}

.blog-post-cta .btn {
    background: white;
    color: var(--color-orange);
    padding: 15px 35px;
    font-size: 1.05rem;
}

.blog-post-cta .btn:hover {
    background: var(--color-light);
    transform: translateY(-2px);
}

/* Blog Sidebar */
.blog-sidebar {
    position: sticky;
    top: 100px;
}

.blog-sidebar-widget {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    padding: 25px;
    margin-bottom: 25px;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--color-border);
}

.blog-sidebar-title {
    font-size: 1.1rem;
    margin-bottom: 20px;
    padding-bottom: 12px;
    border-bottom: 2px solid var(--color-orange);
    color: var(--color-navy);
}

/* Table of Contents */
.blog-toc-list {
    list-style: none;
    padding: 0;
    margin: 0;
}

.blog-toc-item {
    margin-bottom: 12px;
}

.blog-toc-link {
    display: block;
    padding: 10px 15px;
    background: var(--color-light);
    border-radius: var(--radius-sm);
    color: var(--color-text);
    font-size: 0.9rem;
    transition: var(--transition);
    border-left: 3px solid transparent;
}

.blog-toc-link:hover {
    background: var(--color-light-blue);
    color: var(--color-blue);
    border-left-color: var(--color-blue);
}

/* Related Posts Widget */
.blog-related-item {
    display: flex;
    gap: 15px;
    margin-bottom: 15px;
    padding-bottom: 15px;
    border-bottom: 1px solid var(--color-border);
}

.blog-related-item:last-child {
    margin-bottom: 0;
    padding-bottom: 0;
    border-bottom: none;
}

.blog-related-img {
    width: 70px;
    height: 70px;
    border-radius: var(--radius-sm);
    object-fit: cover;
    object-position: center top;
    flex-shrink: 0;
}

.blog-related-title {
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--color-navy);
    margin-bottom: 5px;
    line-height: 1.4;
    transition: var(--transition);
}

.blog-related-title:hover {
    color: var(--color-blue);
}

.blog-related-date {
    font-size: 0.8rem;
    color: var(--color-text-light);
}

/* Quick Apply Widget */
.blog-apply-widget {
    background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-dark-navy) 100%);
    color: white;
    text-align: center;
}

.blog-apply-widget .blog-sidebar-title {
    color: white;
    border-bottom-color: var(--color-orange);
}

.blog-apply-widget p {
    color: rgba(255,255,255,0.9);
    font-size: 0.95rem;
    margin-bottom: 20px;
}

.blog-apply-widget .btn {
    width: 100%;
}

/* Related Articles Section */
.blog-related-section {
    margin-top: 60px;
    padding-top: 50px;
    border-top: 1px solid var(--color-border);
}

.blog-related-section h3 {
    font-size: 1.5rem;
    margin-bottom: 30px;
    color: var(--color-navy);
}

.blog-related-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 25px;
}

.blog-related-grid .blog-card-title {
    font-size: 0.95rem;
    line-height: 1.4;
    -webkit-line-clamp: 2;
    display: -webkit-box;
    -webkit-box-orient: vertical;
    overflow: hidden;
}

/* Legal Content Styles */
.legal-content {
    font-size: 1.05rem;
    line-height: 1.8;
    color: #444;
}

.legal-content h2 {
    font-size: 1.5rem;
    margin: 40px 0 20px;
    color: #1a1a2e;
    padding-bottom: 10px;
    border-bottom: 2px solid #eee;
}

.legal-content h3 {
    font-size: 1.25rem;
    margin: 25px 0 15px;
    color: #333;
}

.legal-content p {
    margin-bottom: 16px;
}

.legal-content a {
    color: #FF6B35;
}

.legal-content a:hover {
    text-decoration: underline;
}

/* Mobile adjustments for blog */
@media (max-width: 992px) {
    .blog-layout {
        grid-template-columns: 1fr;
    }
    
    .blog-sidebar {
        position: static;
        display: grid;
        grid-template-columns: repeat(2, 1fr);
        gap: 20px;
    }
    
    .blog-related-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 768px) {
    .blog-post-header h1 {
        font-size: 1.75rem;
    }
    
    .blog-post-meta {
        gap: 15px;
    }
    
    .blog-post-content {
        font-size: 1rem;
    }
    
    .blog-post-content h2 {
        font-size: 1.4rem;
    }
    
    .blog-post-cta {
        padding: 30px 20px;
    }
    
    .blog-sidebar {
        grid-template-columns: 1fr;
    }
    
    .blog-author {
        flex-direction: column;
        text-align: center;
    }
    
    .blog-author-avatar {
        margin: 0 auto;
    }
    
    .blog-related-grid {
        grid-template-columns: 1fr;
    }
    
    .blog-stats {
        grid-template-columns: repeat(2, 1fr);
        gap: 10px;
    }
    
    .blog-stat-number {
        font-size: 1.2rem;
    }
    
    .blog-stat-label {
        font-size: 0.75rem;
    }
    
    .blog-share {
        flex-direction: column;
        align-items: flex-start;
    }
}

/* =====================================================
   DISCLOSURE BOXES - Calculator Page
   ===================================================== */
.calculator-disclosures {
    margin-top: 50px;
}

.disclosure-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 25px;
}

.disclosure-box {
    background: var(--color-white);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    padding: 30px;
    box-shadow: var(--shadow-sm);
}

.disclosure-box h4 {
    font-size: 1.15rem;
    color: var(--color-navy);
    margin-bottom: 15px;
    padding-bottom: 12px;
    border-bottom: 2px solid var(--color-orange);
}

.disclosure-box p {
    font-size: 0.95rem;
    line-height: 1.7;
    color: var(--color-text);
    margin-bottom: 12px;
}

.disclosure-box strong {
    color: var(--color-navy);
}

.disclosure-list {
    list-style: none;
    padding: 0;
    margin: 15px 0;
}

.disclosure-list li {
    padding: 10px 0 10px 30px;
    position: relative;
    font-size: 0.95rem;
    border-bottom: 1px solid var(--color-border);
}

.disclosure-list li:last-child {
    border-bottom: none;
}

.disclosure-list li::before {
    content: "✓";
    position: absolute;
    left: 0;
    color: var(--color-success);
    font-weight: bold;
}

.disclosure-contact {
    display: flex;
    flex-direction: column;
    gap: 15px;
    margin-top: 15px;
}

.disclosure-contact-item {
    display: flex;
    align-items: flex-start;
    gap: 15px;
    padding: 15px;
    background: var(--color-light);
    border-radius: var(--radius-md);
}

.disclosure-contact-item span:first-child {
    font-size: 1.5rem;
}

.disclosure-contact-item strong {
    display: block;
    font-size: 0.9rem;
    color: var(--color-navy);
    margin-bottom: 3px;
}

.disclosure-contact-item a,
.disclosure-contact-item span {
    font-size: 0.9rem;
    color: var(--color-text-light);
}

.disclosure-contact-item a:hover {
    color: var(--color-blue);
}

@media (max-width: 992px) {
    .disclosure-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 576px) {
    .disclosure-box {
        padding: 20px;
    }
}

/* Content Article Section */
.content-grid {
    max-width: 900px;
    margin: 0 auto;
}

.content-article h3 {
    color: var(--color-navy);
    margin: 2rem 0 1rem;
    font-size: 1.5rem;
}

.content-article h3:first-child {
    margin-top: 0;
}

.content-article p {
    font-size: 1.05rem;
    line-height: 1.8;
    margin-bottom: 1.25rem;
    color: var(--color-text-light);
}