/* RateArk offer-page stylesheet.
   COPIED from capepath.com/assets/style.css and re-themed to Harbor by role:
   sky-blue -> teal, amber -> gold, slate -> sub/muted, Source Sans 3 -> Space
   Grotesk + Public Sans. Layout and class names are unchanged, so the offer
   page bodies copy across without edits. Do not hand-edit: re-run the mapping
   in _samples/ if capepath's stylesheet changes. */
/* CapePath — Coastal Modern multi-niche site
   Ocean blue + soft sand · Lora display + Karla body
   Single shared stylesheet for all pages
*/

/* ---------- Tokens ---------- */
:root {
  --c-ocean: #12b6a3;
  --c-ocean-dark: #0e9e8f;
  --c-ocean-deep: #0a3a37;
  --c-ocean-light: #bfe6df;
  --c-sky-tint: #fffdf8;
  --c-sand: #f0ead9;
  --c-sand-warm: #e6dcc4;
  --c-white: #ffffff;
  --c-text: #0a3a37;
  --c-text-muted: #4a635f;
  --c-text-soft: #7a938e;
  --c-border: #e9f4ee;
  --c-border-strong: #bfe6df;

  --c-personal: #12b6a3;
  --c-credit: #0e9e8f;
  --c-auto: #0b4a47;
  --c-mortgage: #0e9e8f;
  --c-improve: #0b4a47;

  --c-success: #15926a;
  --c-danger: #b4402a;
  --c-link: #0e9e8f;

  --container: 1200px;
  --container-narrow: 740px;
  --radius: 12px;
  --radius-lg: 16px;
  --radius-xl: 20px;
  --radius-pill: 999px;
  --radius-btn: 24px;

  --font-display: "Space Grotesk", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --font-body: "Public Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;

  --shadow-xs: 0 1px 2px rgba(14, 165, 233, .05);
  --shadow-sm: 0 2px 6px rgba(14, 165, 233, .06);
  --shadow-md: 0 4px 12px rgba(14, 165, 233, .08), 0 2px 4px rgba(14, 165, 233, .04);
  --shadow-lg: 0 12px 28px rgba(14, 165, 233, .12), 0 4px 8px rgba(14, 165, 233, .06);
  --shadow-xl: 0 24px 48px rgba(12, 74, 110, .14), 0 8px 16px rgba(12, 74, 110, .08);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body { margin: 0; font-family: var(--font-body); font-size: 17px; line-height: 1.6; color: var(--c-text); background: var(--c-white); -webkit-font-smoothing: antialiased; font-feature-settings: 'cv11', 'ss03'; }
img, svg, video { max-width: 100%; height: auto; display: block; }
/* Domain-wide mobile guard: never let a page scroll sideways (mobile nav is a dropdown, not off-canvas, so clip is safe) */
html, body { overflow-x: clip; }
/* Shared scroll wrapper for wide review/comparison tables so they scroll inside their own box instead of blowing out the page */
.rev-table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; margin: 16px 0 24px; }
.rev-table-wrap > table { margin: 0 !important; }
a { color: var(--c-link); text-decoration: none; transition: color .15s; }
a:hover { color: var(--c-ocean-deep); text-decoration: underline; }
button { font: inherit; cursor: pointer; }
h1, h2, h3, h4 { font-family: var(--font-display); font-weight: 700; line-height: 1.2; margin: 0 0 0.5em; color: var(--c-ocean-deep); letter-spacing: -0.015em; }
h1 { font-size: clamp(2rem, 4vw, 3rem); font-weight: 800; }
h2 { font-size: clamp(1.5rem, 2.6vw, 2.125rem); }
h3 { font-size: 1.25rem; }
h4 { font-size: 1.0625rem; }
p { font-size: 1.0625rem; line-height: 1.65; }
h1 { font-size: clamp(2.25rem, 5vw, 3.75rem); letter-spacing: -0.02em; line-height: 1.15; }
h2 { font-size: clamp(1.625rem, 3.2vw, 2.5rem); }
h3 { font-size: 1.5rem; }
h4 { font-size: 1.2rem; }
p { margin: 0 0 1em; }
ul, ol { margin: 0 0 1em; padding-left: 1.5em; }
li { margin-bottom: 0.4em; }

/* ---------- A11y ---------- */
.skip-link { position: absolute; top: -40px; left: 0; background: var(--c-ocean-deep); color: var(--c-white); padding: 8px 16px; z-index: 999; }
.skip-link:focus { top: 0; }
:focus-visible { outline: 3px solid var(--c-ocean); outline-offset: 2px; border-radius: 4px; }
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}

/* ---------- Layout ---------- */
.container { max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.container-narrow { max-width: var(--container-narrow); margin: 0 auto; padding: 0 24px; }
.section { padding: 72px 0; }
.section-sm { padding: 44px 0; }
.section-lg { padding: 104px 0; }

/* ---------- Rate ticker ---------- */
.rate-ticker { background: var(--c-ocean-deep); color: var(--c-sky-tint); font-size: 0.85rem; padding: 9px 0; overflow: hidden; position: relative; }
.rate-ticker-track { display: flex; gap: 48px; white-space: nowrap; animation: tickerScroll 44s linear infinite; }
.rate-ticker-item { display: inline-flex; align-items: baseline; gap: 7px; font-variant-numeric: tabular-nums; }
.rate-ticker-item strong { color: var(--c-white); font-weight: 700; }
.rate-ticker-item .rate-value { color: var(--c-sand); }
.rate-ticker-item .rate-delta-up { color: #e6c4bb; }
.rate-ticker-item .rate-delta-down { color: #bfe6df; }
@keyframes tickerScroll { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* ---------- Header ---------- */
.site-header { background: var(--c-white); border-bottom: 1px solid var(--c-border); position: sticky; top: 0; z-index: 100; backdrop-filter: blur(12px); background: rgba(255,255,255,.92); }
.nav-inner { display: flex; align-items: center; gap: 16px; padding: 16px 24px; max-width: var(--container); margin: 0 auto; }
.nav-logo { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; color: var(--c-ocean-deep); font-family: var(--font-display); font-weight: 800; font-size: 1.7rem; white-space: nowrap; flex-shrink: 0; letter-spacing: -0.02em; line-height: 1; }
.nav-logo:hover { text-decoration: none; }
.nav-logo .wave-icon { width: 38px; height: 38px; color: var(--c-ocean); flex-shrink: 0; }
.nav-logo strong { color: var(--c-ocean); font-weight: 700; }
.nav-main { display: flex; align-items: center; gap: 2px; list-style: none; margin: 0; padding: 0; flex: 1; flex-wrap: nowrap; min-width: 0; }
.nav-main li { flex-shrink: 0; }
.nav-main a { display: inline-block; padding: 8px 11px; color: var(--c-text); font-weight: 500; font-size: 1rem; border-radius: var(--radius); transition: background .15s, color .15s; white-space: nowrap; }
.nav-main a:hover { background: var(--c-sky-tint); color: var(--c-ocean-deep); text-decoration: none; }
.nav-main a[aria-current="page"] { color: var(--c-ocean); background: var(--c-sky-tint); }
.nav-cta { margin-left: auto; flex-shrink: 0; }
@media (min-width: 1200px) {
  .nav-inner { gap: 24px; }
  .nav-main { gap: 4px; }
  .nav-main a { padding: 8px 13px; font-size: 1rem; }
}
.nav-toggle { display: none; background: none; border: 1px solid var(--c-border); border-radius: var(--radius); padding: 8px; color: var(--c-ocean-deep); }
@media (max-width: 960px) {
  .nav-toggle { display: inline-flex; align-items: center; }
  .nav-main { display: none; position: absolute; top: 100%; left: 0; right: 0; flex-direction: column; align-items: stretch; background: var(--c-white); border-bottom: 1px solid var(--c-border); padding: 12px 24px; gap: 0; box-shadow: var(--shadow-md); }
  .nav-main.is-open { display: flex; }
  .nav-main a { padding: 13px 8px; border-bottom: 1px solid var(--c-border); border-radius: 0; }
  .nav-cta { display: none; }
}

/* ---------- Buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 14px 26px; border-radius: var(--radius-btn); font-weight: 700; font-size: 0.95rem; border: 2px solid transparent; text-decoration: none; transition: transform .18s, background .18s, border-color .18s, box-shadow .18s; min-height: 48px; white-space: nowrap; font-family: var(--font-body); }
.btn:hover { text-decoration: none; transform: translateY(-1px); }
.btn-primary { background: var(--c-ocean); color: var(--c-white); border-color: var(--c-ocean); box-shadow: 0 4px 14px rgba(14, 165, 233, .25); }
.btn-primary:hover { background: var(--c-ocean-dark); border-color: var(--c-ocean-dark); color: var(--c-white); box-shadow: 0 6px 18px rgba(14, 165, 233, .35); }
.btn-secondary { background: var(--c-sand); color: var(--c-ocean-deep); border-color: var(--c-sand); }
.btn-secondary:hover { background: var(--c-sand-warm); border-color: var(--c-sand-warm); color: var(--c-ocean-deep); }
.btn-outline { background: var(--c-white); color: var(--c-ocean-deep); border-color: var(--c-border-strong); }
.btn-outline:hover { background: var(--c-sky-tint); border-color: var(--c-ocean); color: var(--c-ocean-deep); }
.btn-ghost { background: transparent; color: var(--c-ocean); border-color: transparent; }
.btn-ghost:hover { background: var(--c-sky-tint); }
.btn-block { display: flex; width: 100%; }
.btn-lg { padding: 17px 32px; font-size: 1.05rem; min-height: 54px; }
.btn-sm { padding: 9px 16px; font-size: 0.85rem; min-height: 38px; border-radius: 18px; }

/* ---------- Niche accent ---------- */
.niche-personal { --niche-accent: var(--c-personal); }
.niche-credit { --niche-accent: var(--c-credit); }
.niche-auto { --niche-accent: var(--c-auto); }
.niche-warranty { --niche-accent: var(--c-auto); }
.niche-mortgage { --niche-accent: var(--c-mortgage); }
.niche-improve { --niche-accent: var(--c-improve); }
.niche-health { --niche-accent: var(--c-credit); }
.niche-pet { --niche-accent: var(--c-personal); }

/* ---------- Static provider grid (for niches without JS lender table) ---------- */
.provider-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 16px;
  margin: 24px 0;
}
.provider-card {
  background: var(--c-white);
  border: 1px solid var(--c-border);
  border-radius: var(--radius-lg);
  padding: 20px 22px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  transition: border-color 160ms ease, transform 160ms ease, box-shadow 160ms ease;
}
.provider-card:hover {
  border-color: var(--niche-accent, var(--c-ocean));
  transform: translateY(-2px);
  box-shadow: 0 10px 24px -12px rgba(12, 74, 110, 0.16);
}
.provider-card-head { display: flex; flex-direction: column; gap: 4px; }
.provider-name { font-family: var(--font-display); font-size: 1.2rem; font-weight: 700; color: var(--c-text); margin: 0; }
.provider-best { font-size: 0.78rem; color: var(--c-text-muted); text-transform: uppercase; letter-spacing: 0.06em; font-weight: 600; }
.provider-stats { display: flex; gap: 24px; padding: 12px 0; border-top: 1px solid var(--c-border); border-bottom: 1px solid var(--c-border); }
.provider-stats > div { display: flex; flex-direction: column; gap: 2px; }
.provider-stat-label { font-size: 0.72rem; color: var(--c-text-soft); text-transform: uppercase; letter-spacing: 0.06em; font-weight: 600; }
.provider-stat-value { font-family: var(--font-display); font-size: 1.3rem; font-weight: 600; color: var(--niche-accent, var(--c-ocean)); font-variant-numeric: tabular-nums; }
.provider-stat-stars { color: #e0a12a; font-size: 0.95rem; letter-spacing: 1px; }
.provider-highlights { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 6px; }
.provider-highlights li {
  font-size: 0.88rem;
  color: var(--c-text-muted);
  padding-left: 18px;
  position: relative;
  margin: 0;
}
.provider-highlights li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 8px;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--niche-accent, var(--c-ocean));
  opacity: 0.6;
}
.niche-accent-bar { height: 4px; background: var(--niche-accent, var(--c-ocean)); width: 100%; }

/* ---------- Breadcrumb ---------- */
.breadcrumb { font-size: 0.875rem; color: var(--c-text-muted); padding: 18px 0 0; }
.breadcrumb a { color: var(--c-text-muted); }
.breadcrumb a:hover { color: var(--c-ocean); }
.breadcrumb .sep { margin: 0 6px; opacity: 0.5; }

/* ---------- Wave divider ---------- */
.wave-divider { display: block; width: 100%; height: 56px; color: var(--c-sky-tint); }
.wave-divider svg { display: block; width: 100%; height: 100%; }
.wave-divider.is-flip svg { transform: rotate(180deg); }

/* ---------- Hero ---------- */
.hero { padding: 84px 0 64px; background: linear-gradient(180deg, var(--c-white) 0%, var(--c-sky-tint) 100%); position: relative; overflow: hidden; }
.hero::before { content: ''; position: absolute; top: -120px; right: -120px; width: 360px; height: 360px; background: radial-gradient(circle, var(--c-sand) 0%, transparent 70%); opacity: .55; border-radius: 50%; pointer-events: none; }
.hero::after { content: ''; position: absolute; bottom: -100px; left: -80px; width: 280px; height: 280px; background: radial-gradient(circle, var(--c-ocean-light) 0%, transparent 70%); opacity: .25; border-radius: 50%; pointer-events: none; }
.hero-inner { display: grid; grid-template-columns: 1.1fr 1fr; gap: 56px; align-items: center; max-width: var(--container); margin: 0 auto; padding: 0 24px; position: relative; z-index: 2; }
.hero-eyebrow { display: inline-flex; align-items: center; gap: 8px; font-size: 0.78rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--c-ocean); background: var(--c-white); padding: 8px 14px; border-radius: var(--radius-pill); margin-bottom: 20px; box-shadow: var(--shadow-sm); }
.hero h1 { margin-bottom: 20px; }
.hero p.lead { font-size: 1.18rem; color: var(--c-text-muted); margin-bottom: 28px; line-height: 1.55; max-width: 560px; }
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 28px; }
.hero-trust { display: flex; gap: 22px; font-size: 0.88rem; color: var(--c-text-muted); flex-wrap: wrap; }
.hero-trust-item { display: inline-flex; align-items: center; gap: 6px; }
.hero-trust-item svg { color: var(--c-ocean); }
.hero-visual { background: var(--c-white); border-radius: var(--radius-xl); padding: 32px; box-shadow: var(--shadow-lg); position: relative; }
.hero-visual::before { content: ''; position: absolute; inset: 0; border-radius: var(--radius-xl); padding: 1px; background: linear-gradient(135deg, var(--c-ocean-light), transparent); -webkit-mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0); -webkit-mask-composite: xor; mask-composite: exclude; pointer-events: none; }
@media (max-width: 860px) {
  .hero-inner { grid-template-columns: 1fr; gap: 36px; }
  .hero { padding: 52px 0 40px; }
}

/* ---------- Stats strip ---------- */
.stats-strip { background: var(--c-sky-tint); padding: 28px 0; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; text-align: center; }
.stat-item .stat-label { font-size: 0.78rem; text-transform: uppercase; color: var(--c-text-muted); letter-spacing: 0.06em; font-weight: 600; }
.stat-item .stat-value { font-family: var(--font-display); font-size: 1.75rem; font-weight: 600; color: var(--c-ocean-deep); font-variant-numeric: tabular-nums; }
.stat-item .stat-delta { font-size: 0.85rem; font-weight: 700; }
.stat-delta-down { color: var(--c-success); }
.stat-delta-up { color: var(--c-danger); }
@media (max-width: 720px) { .stats-grid { grid-template-columns: repeat(2, 1fr); } }

/* ---------- Niche grid ---------- */
.niche-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 20px; }
.niche-card { background: var(--c-white); border-radius: var(--radius-lg); padding: 28px; text-decoration: none; color: var(--c-text); display: flex; flex-direction: column; gap: 14px; transition: transform .25s, box-shadow .25s; box-shadow: var(--shadow-sm); position: relative; overflow: hidden; }
.niche-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px; background: var(--niche-accent, var(--c-ocean)); border-radius: var(--radius-lg) var(--radius-lg) 0 0; }
.niche-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); text-decoration: none; }
.niche-card .niche-icon { width: 40px; height: 40px; color: var(--niche-accent, var(--c-ocean)); padding: 8px; background: var(--c-sky-tint); border-radius: 12px; }
.niche-card h3 { margin: 0; font-size: 1.2rem; }
.niche-card .niche-rate { font-family: var(--font-display); font-size: 1.65rem; font-weight: 600; color: var(--c-ocean-deep); font-variant-numeric: tabular-nums; }
.niche-card .niche-rate-label { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.06em; color: var(--c-text-muted); font-weight: 600; }
.niche-card .niche-arrow { margin-top: auto; color: var(--niche-accent, var(--c-ocean)); font-weight: 700; font-size: 0.9rem; }

/* ---------- Tools row ---------- */
.tools-row { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 18px; }
.tool-card { background: var(--c-sand); border-radius: var(--radius-lg); padding: 28px; text-decoration: none; color: var(--c-text); display: flex; flex-direction: column; gap: 12px; transition: transform .2s, box-shadow .2s; }
.tool-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); text-decoration: none; }
.tool-card .tool-icon { width: 36px; height: 36px; color: var(--c-ocean-deep); padding: 6px; background: rgba(255,255,255,.5); border-radius: 10px; }
.tool-card h4 { margin: 0; }
.tool-card p { font-size: 0.92rem; color: var(--c-text-muted); margin: 0; }

/* ---------- Compare table ---------- */
.compare-table-wrap { overflow-x: auto; border-radius: var(--radius-lg); background: var(--c-white); box-shadow: var(--shadow-md); }
.compare-table { width: 100%; border-collapse: collapse; font-size: 0.95rem; min-width: 640px; }
.compare-table th { text-align: left; padding: 16px 18px; background: var(--c-sky-tint); font-weight: 700; color: var(--c-ocean-deep); font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.06em; border-bottom: 1px solid var(--c-border); }
.compare-table td { padding: 18px; border-bottom: 1px solid var(--c-border); vertical-align: middle; font-variant-numeric: tabular-nums; }
.compare-table tr:last-child td { border-bottom: none; }
.compare-table tr:hover td { background: var(--c-sky-tint); }
.compare-table .lender-cell { display: flex; align-items: center; gap: 12px; }
.compare-table .lender-logo { width: 42px; height: 42px; background: var(--c-sky-tint); border-radius: 10px; display: inline-flex; align-items: center; justify-content: center; color: var(--c-ocean); flex-shrink: 0; }
.compare-table .lender-name { font-weight: 700; color: var(--c-ocean-deep); }
.compare-table .rate-big { font-family: var(--font-display); font-weight: 600; color: var(--c-ocean-deep); font-size: 1.08rem; }

/* ---------- How it works ---------- */
.howit-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.howit-step { background: var(--c-white); border-radius: var(--radius-lg); padding: 28px; box-shadow: var(--shadow-sm); text-align: left; transition: transform .2s, box-shadow .2s; }
.howit-step:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }
.howit-step .step-num { display: inline-flex; align-items: center; justify-content: center; width: 40px; height: 40px; background: var(--c-ocean); color: var(--c-white); border-radius: 50%; font-family: var(--font-display); font-weight: 700; margin-bottom: 14px; }
.howit-step h4 { margin-bottom: 8px; }
.howit-step p { font-size: 0.95rem; color: var(--c-text-muted); margin: 0; }
@media (max-width: 760px) { .howit-grid { grid-template-columns: 1fr; } }

/* ---------- FAQ ---------- */
.faq-list { max-width: 820px; margin: 0 auto; }
.faq-list details { background: var(--c-white); border: 1px solid var(--c-border); border-radius: var(--radius); margin-bottom: 12px; padding: 0; transition: border-color .15s, box-shadow .15s; }
.faq-list details[open] { border-color: var(--c-ocean-light); box-shadow: var(--shadow-sm); }
.faq-list summary { list-style: none; cursor: pointer; padding: 20px 24px; font-weight: 700; color: var(--c-ocean-deep); display: flex; justify-content: space-between; align-items: center; gap: 16px; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after { content: "+"; font-size: 1.5rem; color: var(--c-ocean); font-weight: 400; line-height: 1; }
.faq-list details[open] summary::after { content: "−"; }
.faq-list .faq-body { padding: 0 24px 20px; color: var(--c-text-muted); }

/* ---------- Dual-CTA strip ---------- */
.dual-cta { background: var(--c-sky-tint); padding: 60px 0; }
.dual-cta-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.dual-cta-card { background: var(--c-white); border-radius: var(--radius-lg); padding: 32px; display: flex; flex-direction: column; gap: 12px; text-decoration: none; color: var(--c-text); transition: transform .2s, box-shadow .2s; box-shadow: var(--shadow-sm); border-top: 4px solid var(--niche-accent, var(--c-ocean)); }
.dual-cta-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); text-decoration: none; }
.dual-cta-card .cta-eyebrow { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.08em; color: var(--c-text-muted); font-weight: 700; }
.dual-cta-card h3 { margin: 0; font-size: 1.3rem; }
.dual-cta-card p { margin: 0; color: var(--c-text-muted); font-size: 0.95rem; }
.dual-cta-card .cta-link { margin-top: auto; color: var(--c-ocean); font-weight: 700; display: inline-flex; align-items: center; gap: 4px; }
@media (max-width: 720px) { .dual-cta-grid { grid-template-columns: 1fr; } }

/* ---------- Sticky CTA (mobile) ---------- */
.sticky-cta { display: none; position: fixed; bottom: 0; left: 0; right: 0; background: var(--c-ocean-deep); padding: 13px 16px; z-index: 80; box-shadow: 0 -6px 18px rgba(12, 74, 110, .2); }
.sticky-cta .btn { width: 100%; }
@media (max-width: 720px) {
  .sticky-cta.is-active { display: block; }
  body.has-sticky-cta { padding-bottom: 76px; }
}

/* ---------- Modal ---------- */
.modal-backdrop { position: fixed; inset: 0; background: rgba(12, 74, 110, .55); display: none; align-items: center; justify-content: center; z-index: 200; padding: 16px; animation: fadeIn .2s ease-out; }
.modal-backdrop.is-open { display: flex; }
@keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }
.modal { background: var(--c-white); border-radius: var(--radius-xl); padding: 36px; max-width: 480px; width: 100%; position: relative; box-shadow: var(--shadow-xl); }
.modal-close { position: absolute; top: 14px; right: 14px; background: transparent; border: none; color: var(--c-text-muted); width: 38px; height: 38px; border-radius: 50%; display: inline-flex; align-items: center; justify-content: center; transition: background .15s; }
.modal-close:hover { background: var(--c-sky-tint); }
.modal h3 { margin: 0 0 8px; }
.modal p { color: var(--c-text-muted); margin: 0 0 22px; }
.modal .form-group { margin-bottom: 14px; }
.modal label { display: block; font-size: 0.85rem; font-weight: 700; margin-bottom: 6px; color: var(--c-ocean-deep); }
.modal input, .modal select { width: 100%; padding: 13px 15px; font: inherit; border: 1px solid var(--c-border-strong); border-radius: var(--radius); background: var(--c-white); color: var(--c-text); }
.modal input:focus, .modal select:focus { outline: 2px solid var(--c-ocean); border-color: var(--c-ocean); }
.modal .modal-fineprint { font-size: 0.78rem; color: var(--c-text-muted); margin-top: 14px; margin-bottom: 0; }
.modal .modal-dismiss { display: block; margin: 14px auto 0; background: transparent; border: none; color: var(--c-text-muted); font-size: 0.85rem; text-decoration: underline; cursor: pointer; }
.modal.is-exit { max-width: 540px; padding: 40px; text-align: center; }
.modal.is-exit .exit-rate { font-family: var(--font-display); font-size: 2.75rem; font-weight: 600; color: var(--c-ocean); font-variant-numeric: tabular-nums; margin: 8px 0 4px; }
.modal.is-exit .exit-rate-label { font-size: 0.85rem; color: var(--c-text-muted); margin-bottom: 16px; }

/* ---------- Forms ---------- */
.apply-shell { background: var(--c-sky-tint); min-height: 100vh; padding: 28px 0 60px; }
.apply-card { max-width: 740px; margin: 28px auto; background: var(--c-white); border-radius: var(--radius-xl); padding: 40px; box-shadow: var(--shadow-lg); }
.apply-progress { display: flex; align-items: center; justify-content: space-between; margin-bottom: 32px; }
.apply-progress-text { font-size: 0.85rem; color: var(--c-text-muted); font-weight: 700; }
.apply-progress-bar { flex: 1; height: 8px; background: var(--c-sky-tint); border-radius: var(--radius-pill); margin: 0 18px; overflow: hidden; }
.apply-progress-fill { height: 100%; background: linear-gradient(90deg, var(--c-ocean) 0%, var(--c-ocean-light) 100%); width: 0%; transition: width .35s; border-radius: var(--radius-pill); }
.form-step { display: none; }
.form-step.active { display: block; }
.form-step h2 { margin-bottom: 8px; font-size: 1.6rem; }
.form-step .step-sub { color: var(--c-text-muted); margin-bottom: 26px; }
.choice-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; margin-bottom: 26px; }
.choice-grid.cols-1 { grid-template-columns: 1fr; }
.choice-tile { display: block; padding: 18px 20px; background: var(--c-white); border: 2px solid var(--c-border-strong); border-radius: var(--radius); cursor: pointer; transition: border-color .15s, background .15s, transform .1s; font-weight: 600; color: var(--c-ocean-deep); position: relative; }
.choice-tile:hover { border-color: var(--c-ocean-light); background: var(--c-sky-tint); }
.choice-tile:active { transform: scale(.98); }
.choice-tile input { position: absolute; opacity: 0; pointer-events: none; }
.choice-tile.selected { border-color: var(--c-ocean); background: var(--c-sky-tint); box-shadow: 0 0 0 3px rgba(14, 165, 233, .12); }
.choice-tile .tile-sub { display: block; font-weight: 400; font-size: 0.85rem; color: var(--c-text-muted); margin-top: 4px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-grid .full { grid-column: 1 / -1; }
.form-field { margin-bottom: 14px; }
.form-field label { display: block; font-size: 0.85rem; font-weight: 700; margin-bottom: 6px; color: var(--c-ocean-deep); }
.form-field input, .form-field select { width: 100%; padding: 13px 15px; font: inherit; border: 1px solid var(--c-border-strong); border-radius: var(--radius); background: var(--c-white); transition: border-color .15s; }
.form-field input:focus, .form-field select:focus { outline: 2px solid var(--c-ocean); border-color: var(--c-ocean); }
.form-field-error { color: var(--c-danger); font-size: 0.85rem; margin-top: 4px; display: none; }
.form-field.has-error input, .form-field.has-error select { border-color: var(--c-danger); }
.form-field.has-error .form-field-error { display: block; }
.tcpa-block { background: var(--c-sky-tint); padding: 18px; border-radius: var(--radius); font-size: 0.82rem; color: var(--c-text-muted); margin: 18px 0; line-height: 1.55; }
.tcpa-block label { display: flex; gap: 12px; align-items: flex-start; cursor: pointer; }
.tcpa-block input[type="checkbox"] { margin-top: 4px; flex-shrink: 0; width: 17px; height: 17px; accent-color: var(--c-ocean); }
.form-actions { display: flex; gap: 12px; justify-content: space-between; align-items: center; margin-top: 28px; }
.form-actions .btn-back { background: transparent; border: none; color: var(--c-text-muted); font-weight: 700; padding: 12px 16px; cursor: pointer; }
.form-actions .btn-back:hover { color: var(--c-ocean-deep); }
.form-trust-strip { display: flex; justify-content: center; gap: 26px; margin-top: 26px; font-size: 0.82rem; color: var(--c-text-muted); flex-wrap: wrap; }
.form-trust-strip span { display: inline-flex; align-items: center; gap: 6px; }
.form-trust-strip svg { color: var(--c-ocean); }
.form-success { display: none; text-align: center; padding: 52px 24px; }
.form-success.is-active { display: block; }
.form-success .success-icon { color: var(--c-success); width: 68px; height: 68px; margin: 0 auto 18px; }
@media (max-width: 720px) {
  .apply-card { padding: 26px; }
  .form-grid { grid-template-columns: 1fr; }
  .choice-grid { grid-template-columns: 1fr; }
}

/* ---------- Calculator ---------- */
.calc-wrap { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; background: var(--c-white); border-radius: var(--radius-xl); padding: 36px; box-shadow: var(--shadow-md); }
.calc-inputs .form-field { margin-bottom: 18px; }
.calc-results { background: var(--c-sky-tint); border-radius: var(--radius-lg); padding: 28px; display: flex; flex-direction: column; gap: 16px; }
.calc-result-main { font-family: var(--font-display); font-size: 2.75rem; font-weight: 600; color: var(--c-ocean); font-variant-numeric: tabular-nums; line-height: 1; }
.calc-result-label { font-size: 0.82rem; text-transform: uppercase; letter-spacing: 0.06em; color: var(--c-text-muted); font-weight: 600; }
.calc-detail-row { display: flex; justify-content: space-between; padding: 9px 0; border-bottom: 1px solid var(--c-border); font-size: 0.95rem; }
.calc-detail-row:last-child { border-bottom: none; }
.calc-detail-row .label { color: var(--c-text-muted); }
.calc-detail-row .value { font-weight: 700; font-variant-numeric: tabular-nums; color: var(--c-ocean-deep); }
.calc-bar-chart { display: flex; height: 32px; border-radius: var(--radius); overflow: hidden; }
.calc-bar-principal { background: var(--c-ocean); }
.calc-bar-interest { background: var(--c-sand-warm); }
.calc-legend { display: flex; gap: 18px; font-size: 0.85rem; color: var(--c-text-muted); }
.calc-legend-dot { display: inline-block; width: 12px; height: 12px; border-radius: 4px; margin-right: 6px; vertical-align: middle; }
.calc-cta { margin-top: 12px; }
@media (max-width: 760px) { .calc-wrap { grid-template-columns: 1fr; padding: 24px; } }

/* ---------- Best-of ---------- */
.bestof-card { background: var(--c-white); border-radius: var(--radius-lg); padding: 30px; margin-bottom: 22px; display: grid; grid-template-columns: 64px 1fr auto; gap: 22px; align-items: start; box-shadow: var(--shadow-sm); transition: box-shadow .2s; }
.bestof-card:hover { box-shadow: var(--shadow-md); }
.bestof-card .rank-badge { width: 56px; height: 56px; background: linear-gradient(135deg, var(--c-ocean) 0%, var(--c-ocean-dark) 100%); color: var(--c-white); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-family: var(--font-display); font-weight: 700; font-size: 1.5rem; }
.bestof-card .lender-h { margin: 0 0 4px; font-size: 1.3rem; }
.bestof-card .lender-tag { font-size: 0.85rem; color: var(--c-text-muted); margin-bottom: 14px; }
.bestof-card .lender-pros, .bestof-card .lender-cons { font-size: 0.92rem; }
.bestof-card .lender-pros li::marker { color: var(--c-success); }
.bestof-card .lender-cons li::marker { color: var(--c-danger); }
.bestof-card .lender-rate-side { text-align: right; min-width: 130px; }
.bestof-card .lender-rate-side .rate-big { font-family: var(--font-display); font-size: 1.85rem; font-weight: 600; color: var(--c-ocean); font-variant-numeric: tabular-nums; }
.bestof-card .lender-rate-side .rate-label { font-size: 0.75rem; color: var(--c-text-muted); text-transform: uppercase; letter-spacing: 0.06em; }
@media (max-width: 720px) {
  .bestof-card { grid-template-columns: 48px 1fr; padding: 22px; }
  .bestof-card .lender-rate-side { grid-column: 1 / -1; text-align: left; }
}
.methodology-box { background: var(--c-sand); border-left: 4px solid var(--c-ocean); padding: 22px 26px; border-radius: var(--radius); margin-bottom: 32px; }
.methodology-box h4 { margin: 0 0 8px; font-size: 1.05rem; }
.methodology-box p { font-size: 0.92rem; margin: 0; color: var(--c-text); }
.author-byline { display: flex; align-items: center; gap: 12px; padding: 16px 0; border-top: 1px solid var(--c-border); border-bottom: 1px solid var(--c-border); font-size: 0.88rem; color: var(--c-text-muted); margin-bottom: 26px; }
.author-byline .avatar { width: 40px; height: 40px; border-radius: 50%; background: var(--c-ocean); color: var(--c-white); display: inline-flex; align-items: center; justify-content: center; font-weight: 700; }
.author-byline .author-name { color: var(--c-ocean-deep); font-weight: 700; }

/* ---------- Blog ---------- */
.blog-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 24px; }
.blog-card { background: var(--c-white); border-radius: var(--radius-lg); padding: 26px; text-decoration: none; color: var(--c-text); display: flex; flex-direction: column; gap: 12px; transition: transform .2s, box-shadow .2s; box-shadow: var(--shadow-sm); }
.blog-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); text-decoration: none; }
.blog-card .blog-tag { font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.08em; font-weight: 700; color: var(--c-ocean); }
.blog-card h3 { margin: 0; font-size: 1.2rem; }
.blog-card .blog-meta { font-size: 0.82rem; color: var(--c-text-muted); margin-top: auto; }
.article { max-width: var(--container-narrow); margin: 0 auto; padding: 36px 24px 64px; }
.article h1 { margin-bottom: 8px; }
.article .article-meta { color: var(--c-text-muted); font-size: 0.92rem; margin-bottom: 32px; }
.article p, .article li { font-size: 1.07rem; line-height: 1.75; }
.article h2 { margin-top: 44px; }
.article h3 { margin-top: 30px; }
.article blockquote { border-left: 4px solid var(--c-ocean); padding: 10px 22px; margin: 26px 0; background: var(--c-sky-tint); border-radius: 0 var(--radius) var(--radius) 0; color: var(--c-ocean-deep); font-style: italic; }

/* ---------- Welcome-back / Solo ---------- */
.solo-hero { background: linear-gradient(180deg, var(--c-ocean-deep) 0%, #12312f 100%); color: var(--c-sky-tint); padding: 72px 0; text-align: center; position: relative; overflow: hidden; }
.solo-hero::before { content: ''; position: absolute; top: -100px; right: -100px; width: 320px; height: 320px; background: radial-gradient(circle, var(--c-ocean) 0%, transparent 70%); opacity: .35; border-radius: 50%; }
.solo-hero .eyebrow { color: var(--c-sand-warm); position: relative; z-index: 2; }
.solo-hero h1 { color: var(--c-white); position: relative; z-index: 2; }
.solo-hero p { color: rgba(240,249,255,.85); position: relative; z-index: 2; }
.countdown { display: inline-flex; gap: 8px; justify-content: center; margin: 18px 0 26px; font-variant-numeric: tabular-nums; position: relative; z-index: 2; }
.countdown-block { background: rgba(255,255,255,.08); padding: 14px 18px; border-radius: var(--radius); min-width: 68px; backdrop-filter: blur(8px); }
.countdown-num { font-family: var(--font-display); font-size: 2.1rem; font-weight: 600; display: block; line-height: 1; }
.countdown-label { font-size: 0.7rem; text-transform: uppercase; letter-spacing: 0.08em; opacity: 0.8; }

/* ---------- Trust strip ---------- */
.trust-strip { background: var(--c-white); padding: 40px 0; border-top: 1px solid var(--c-border); border-bottom: 1px solid var(--c-border); }
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; text-align: center; font-size: 0.88rem; color: var(--c-text-muted); }
.trust-grid svg { color: var(--c-ocean); margin: 0 auto 10px; }
.trust-grid strong { color: var(--c-ocean-deep); }
@media (max-width: 720px) { .trust-grid { grid-template-columns: repeat(2, 1fr); } }

/* ---------- Footer ---------- */
.site-footer { background: var(--c-ocean-deep); color: rgba(240,249,255,.75); padding: 56px 0 28px; margin-top: 72px; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 36px; padding: 0 24px; max-width: var(--container); margin: 0 auto; }
.footer-brand { color: var(--c-sky-tint); }
.footer-brand .footer-logo { font-family: var(--font-display); font-size: 1.4rem; font-weight: 700; color: var(--c-white); margin-bottom: 8px; display: inline-flex; align-items: center; gap: 8px; }
.footer-brand .footer-logo .wave-icon { color: var(--c-ocean-light); width: 24px; height: 24px; }
.footer-brand .footer-tagline { font-size: 0.92rem; color: rgba(240,249,255,.65); margin-bottom: 16px; }
.footer-col h5 { color: var(--c-white); font-family: var(--font-body); font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.1em; margin: 0 0 14px; font-weight: 700; }
.footer-col ul { list-style: none; padding: 0; margin: 0; }
.footer-col li { margin-bottom: 9px; }
.footer-col a { color: rgba(240,249,255,.7); font-size: 0.92rem; }
.footer-col a:hover { color: var(--c-white); text-decoration: none; }
.footer-bottom { margin-top: 36px; padding: 26px 24px 0; border-top: 1px solid rgba(255,255,255,.1); max-width: var(--container); margin-left: auto; margin-right: auto; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 16px; font-size: 0.82rem; color: rgba(240,249,255,.55); }
.footer-bottom a { color: rgba(240,249,255,.7); }
.footer-bottom .footer-disclaimer { max-width: 720px; line-height: 1.6; }
@media (max-width: 760px) { .footer-grid { grid-template-columns: 1fr 1fr; gap: 28px; } }
@media (max-width: 480px) { .footer-grid { grid-template-columns: 1fr; } }

/* ---------- Inline email capture ---------- */
.email-inline { background: linear-gradient(135deg, var(--c-sky-tint) 0%, var(--c-sand) 100%); border-radius: var(--radius-xl); padding: 40px; display: grid; grid-template-columns: 1fr 1fr; gap: 28px; align-items: center; }
.email-inline h3 { margin-bottom: 8px; }
.email-inline p { color: var(--c-text-muted); margin: 0; }
.email-inline form { display: flex; gap: 8px; }
.email-inline input { flex: 1; padding: 14px 16px; font: inherit; border: 1px solid var(--c-border-strong); border-radius: var(--radius); background: var(--c-white); }
.email-inline input:focus { outline: 2px solid var(--c-ocean); border-color: var(--c-ocean); }
@media (max-width: 720px) {
  .email-inline { grid-template-columns: 1fr; padding: 28px; }
  .email-inline form { flex-direction: column; }
}

/* ---------- Section heads ---------- */
.section-head { text-align: center; margin-bottom: 40px; }
.section-head .eyebrow { font-size: 0.82rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--c-ocean); margin-bottom: 10px; }
.section-head h2 { margin-bottom: 10px; }
.section-head p { color: var(--c-text-muted); max-width: 620px; margin: 0 auto; }

/* ---------- Offer-wall slot placeholder ---------- */
.offerwall-slot { min-height: 300px; background: var(--c-white); border: 1px dashed var(--c-border-strong); border-radius: var(--radius-lg); padding: 48px 24px; text-align: center; color: var(--c-text-muted); display: flex; align-items: center; justify-content: center; flex-direction: column; gap: 8px; }
.offerwall-slot[data-loaded="true"] { background: transparent; border: none; padding: 0; min-height: 0; display: block; }
.offerwall-loader { display: inline-block; width: 26px; height: 26px; border: 3px solid var(--c-border); border-top-color: var(--c-ocean); border-radius: 50%; animation: spin 1s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }

/* ---------- Mega-menu nav (Bankrate-style 3-column) ---------- */
.nav-main { position: relative; }
.has-mega { position: static; }
.nav-mega-trigger {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 10px 14px;
  background: none;
  border: none;
  font: inherit;
  font-weight: 600;
  color: var(--c-text);
  cursor: pointer;
  border-radius: var(--radius);
  font-size: 0.95rem;
  white-space: nowrap;
  transition: background 120ms ease, color 120ms ease;
}
.nav-mega-trigger:hover,
.nav-mega-trigger[aria-expanded="true"] { background: var(--c-sky-tint); color: var(--c-ocean-dark); }
.nav-mega-trigger.is-active { color: var(--c-ocean); position: relative; }
.nav-mega-arrow { transition: transform 180ms ease; opacity: .7; flex: 0 0 auto; margin-top: 1px; }
.nav-mega-trigger[aria-expanded="true"] .nav-mega-arrow { transform: rotate(180deg); }

.nav-mega-panel {
  position: absolute;
  top: calc(100% - 1px);
  left: 0;
  right: 0;
  background: var(--c-white);
  border: 1px solid var(--c-border);
  border-top: 0;
  border-radius: 0 0 var(--radius-lg) var(--radius-lg);
  box-shadow: 0 24px 48px -16px rgba(12, 74, 110, 0.18), 0 4px 12px rgba(12, 74, 110, 0.06);
  z-index: 200;
  opacity: 0;
  pointer-events: none;
  transform: translateY(-6px);
  transition: opacity 180ms ease, transform 180ms ease;
}
.has-mega:hover > .nav-mega-panel,
.has-mega:focus-within > .nav-mega-panel,
.has-mega.is-open > .nav-mega-panel { opacity: 1; pointer-events: auto; transform: translateY(0); }

.nav-mega-grid {
  display: grid;
  grid-template-columns: 220px 1fr;
  max-width: var(--container);
  margin: 0 auto;
  min-height: 320px;
}

/* Left vertical sub-tabs */
.nav-mega-tabs {
  display: flex;
  flex-direction: column;
  padding: 18px 0;
  background: var(--c-sky-tint);
  border-right: 1px solid var(--c-border);
  border-radius: 0 0 0 var(--radius-lg);
}
.nav-mega-tab {
  display: block;
  text-align: left;
  background: none;
  border: none;
  font: inherit;
  font-weight: 500;
  font-size: 0.92rem;
  color: var(--c-text);
  padding: 12px 22px;
  cursor: pointer;
  border-left: 3px solid transparent;
  transition: background 120ms ease, color 120ms ease, border-color 120ms ease;
  position: relative;
}
.nav-mega-tab:hover { background: rgba(255, 255, 255, 0.55); color: var(--c-ocean-dark); }
.nav-mega-tab.is-active {
  background: var(--c-white);
  color: var(--c-ocean-dark);
  font-weight: 700;
  border-left-color: var(--c-ocean);
}

/* Right side: panes container */
.nav-mega-panes { position: relative; min-height: 320px; }
.nav-mega-pane {
  display: none;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  padding: 32px 36px;
}
.nav-mega-pane.is-active { display: grid; }

.nav-mega-pane h4 {
  font-family: var(--font-display);
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--c-text);
  margin: 0 0 14px;
  letter-spacing: 0;
}
.nav-mega-pane ul {
  list-style: none;
  padding: 0;
  margin: 0 0 20px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.nav-mega-pane ul li { margin: 0; }
.nav-mega-pane ul a {
  display: inline-block;
  color: var(--c-text);
  font-size: 0.92rem;
  font-weight: 500;
  text-decoration: none;
  padding: 4px 0;
  transition: color 120ms ease;
}
.nav-mega-pane ul a:hover { color: var(--c-ocean-dark); text-decoration: underline; }

/* Right column: popular + featured card */
.nav-mega-popular { display: flex; flex-direction: column; }
.nav-mega-feature {
  display: flex;
  gap: 14px;
  padding: 14px;
  border-radius: var(--radius);
  background: var(--c-sky-tint);
  text-decoration: none;
  color: var(--c-text);
  align-items: flex-start;
  transition: background 120ms ease, transform 120ms ease;
  margin-top: 8px;
}
.nav-mega-feature:hover { background: var(--c-border); transform: translateY(-1px); text-decoration: none; }
.nav-mega-feature-icon {
  flex: 0 0 auto;
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: var(--c-white);
  border: 1px solid var(--c-border);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--c-ocean);
}
.nav-mega-feature > span:not(.nav-mega-feature-icon) {
  display: flex;
  flex-direction: column;
  gap: 3px;
  font-size: 0.85rem;
  line-height: 1.4;
}
.nav-mega-feature strong { font-weight: 700; color: var(--c-text); font-size: 0.92rem; display: block; }
.nav-mega-feature span span { display: block; color: var(--c-text-muted); font-size: 0.82rem; }

/* Bottom: explore all link */
.nav-mega-footer {
  border-top: 1px solid var(--c-border);
  padding: 14px 36px;
  background: var(--c-sky-tint);
  border-radius: 0 0 var(--radius-lg) var(--radius-lg);
}
.nav-mega-footer a {
  color: var(--c-ocean-dark);
  font-weight: 600;
  font-size: 0.88rem;
  text-decoration: none;
}
.nav-mega-footer a:hover { text-decoration: underline; }

/* Mobile: collapse to single column accordion */
@media (max-width: 880px) {
  .has-mega { position: relative; }
  .nav-mega-panel {
    position: static;
    box-shadow: none;
    border: none;
    border-radius: 0;
    background: transparent;
    opacity: 1;
    pointer-events: auto;
    transform: none;
    display: none;
  }
  .has-mega.is-open > .nav-mega-panel { display: block; }
  .nav-mega-grid { grid-template-columns: 1fr; min-height: 0; }
  .nav-mega-tabs {
    flex-direction: row;
    overflow-x: auto;
    border-right: 0;
    border-bottom: 1px solid var(--c-border);
    border-radius: 0;
    padding: 8px 0;
  }
  .nav-mega-tab {
    border-left: 0;
    border-bottom: 3px solid transparent;
    white-space: nowrap;
    padding: 10px 16px;
  }
  .nav-mega-tab.is-active { border-left: 0; border-bottom-color: var(--c-ocean); }
  .nav-mega-pane { grid-template-columns: 1fr; gap: 16px; padding: 20px 16px; }
  .nav-mega-footer { padding: 12px 16px; }
}

/* ---------- Display-ad slot (third-party banner / AdSense / Mediavine) ---------- */
.display-ad-section { padding: 24px 0 32px; }
.display-ad-wrap { max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.display-ad-label { display: block; text-align: center; font-size: 0.7rem; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: var(--c-text-soft); margin-bottom: 8px; }
.display-ad-slot {
  width: 100%;
  background: var(--c-sky-tint);
  border: 1px dashed var(--c-border-strong);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--c-text-muted);
  text-align: center;
  font-size: 0.85rem;
  font-family: var(--font-body);
  overflow: hidden;
}
.display-ad-slot[data-loaded="true"] { background: transparent; border: none; padding: 0; }
.display-ad-slot[data-size="leaderboard"] { min-height: 90px; max-width: 728px; margin: 0 auto; }
.display-ad-slot[data-size="large-leaderboard"] { min-height: 90px; max-width: 970px; margin: 0 auto; }
.display-ad-slot[data-size="billboard"] { min-height: 250px; max-width: 970px; margin: 0 auto; }
.display-ad-slot[data-size="rectangle"] { min-height: 250px; max-width: 300px; margin: 0 auto; }
.display-ad-slot[data-size="medium-rectangle"] { min-height: 280px; max-width: 336px; margin: 0 auto; }
.display-ad-slot[data-size="responsive"] { min-height: 250px; max-width: 970px; margin: 0 auto; padding: 24px; }
@media (max-width: 760px) {
  .display-ad-slot[data-size="leaderboard"],
  .display-ad-slot[data-size="large-leaderboard"],
  .display-ad-slot[data-size="billboard"],
  .display-ad-slot[data-size="responsive"] { min-height: 250px; max-width: 336px; }
}
.display-ad-placeholder { padding: 14px; opacity: 0.6; font-size: 0.8rem; }
.display-ad-placeholder code { background: var(--c-white); padding: 1px 6px; border-radius: 4px; font-family: ui-monospace, SFMono-Regular, Menlo, monospace; font-size: 0.78rem; color: var(--c-text); }

/* ---------- Misc utils ---------- */
.text-muted { color: var(--c-text-muted); }
.text-center { text-align: center; }
.icon-sm { width: 16px; height: 16px; }
.icon-md { width: 20px; height: 20px; }
.icon-lg { width: 24px; height: 24px; }
.mt-0 { margin-top: 0; } .mt-1 { margin-top: 8px; } .mt-2 { margin-top: 16px; } .mt-3 { margin-top: 24px; } .mt-4 { margin-top: 32px; }
.mb-0 { margin-bottom: 0; } .mb-1 { margin-bottom: 8px; } .mb-2 { margin-bottom: 16px; } .mb-3 { margin-bottom: 24px; } .mb-4 { margin-bottom: 32px; }
hr.divider { border: 0; border-top: 1px solid var(--c-border); margin: 32px 0; }
.badge { display: inline-block; padding: 5px 11px; background: var(--c-sky-tint); color: var(--c-ocean-deep); border-radius: var(--radius-pill); font-size: 0.75rem; font-weight: 700; }
.badge-primary { background: var(--c-ocean); color: var(--c-white); }
.badge-sand { background: var(--c-sand); color: var(--c-ocean-deep); }

/* ============================================================
   Best-of "Bankrate-style" template (rates / providers pages)
   ============================================================ */

/* Hero — dark navy band */
.best-hero {
  background: linear-gradient(180deg, #0a2e31 0%, #0a3a37 100%);
  color: #FFFFFF;
  padding: 28px 0 56px;
  position: relative;
}
.best-hero-inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
  position: relative;
}
.best-hero-advdisc { text-align: right; margin-bottom: 6px; }
.best-hero-advdisc a { color: rgba(255,255,255,0.85); font-size: 0.875rem; text-decoration: underline; }
.best-hero-advdisc a:hover { color: #FFFFFF; }

.best-hero-h1 {
  color: #FFFFFF;
  text-align: center;
  font-size: clamp(2rem, 4.2vw, 2.875rem);
  font-weight: 800;
  letter-spacing: -0.02em;
  line-height: 1.15;
  margin: 16px 0 8px;
}
.best-hero-subtitle {
  color: #FFFFFF;
  text-align: center;
  font-size: 1.375rem;
  font-weight: 600;
  margin: 0 0 24px;
}

/* Bylines row */
.best-bylines {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 14px;
  margin-bottom: 18px;
  font-size: 0.95rem;
  color: rgba(255,255,255,0.92);
}
.byline-item { display: inline-flex; align-items: center; gap: 9px; }
.byline-avatar {
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--c-ocean), var(--c-ocean-dark));
  display: flex;
  align-items: center;
  justify-content: center;
  color: #FFFFFF;
  font-weight: 700;
  font-size: 0.7rem;
  letter-spacing: 0.05em;
  flex-shrink: 0;
}
.byline-text { display: inline-flex; gap: 4px; }
.byline-role { color: rgba(255,255,255,0.7); }
.byline-name { font-weight: 700; color: #FFFFFF; }
.byline-sep { color: rgba(255,255,255,0.3); }
.expert-verified {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 4px 12px;
  border: 1px solid rgba(255,255,255,0.5);
  border-radius: 999px;
  font-size: 0.875rem;
  font-weight: 600;
  color: #FFFFFF;
}
.expert-verified svg { color: #FFFFFF; }
.byline-updated { color: rgba(255,255,255,0.75); font-size: 0.875rem; }

/* What to know first intro */
.best-hero-intro {
  max-width: 900px;
  margin: 0 auto 24px;
  text-align: center;
  font-size: 1.0625rem;
  line-height: 1.6;
  color: rgba(255,255,255,0.92);
}
.best-hero-intro strong { color: #FFFFFF; font-weight: 700; }

/* Refinance widget — white card overlay */
.best-hero-widget {
  background: #FFFFFF;
  color: var(--c-text);
  border-radius: 6px;
  box-shadow: 0 12px 32px rgba(0,0,0,0.15);
  padding: 22px 24px 16px;
  max-width: 920px;
  margin: 28px auto 0;
}
.widget-heading {
  font-weight: 700;
  font-size: 1.0625rem;
  margin-bottom: 14px;
  color: var(--c-ocean-deep);
}
.widget-body {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  align-items: start;
}
@media (max-width: 720px) { .widget-body { grid-template-columns: 1fr; gap: 14px; } }
.widget-bullets {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.widget-bullets li {
  font-size: 0.9375rem;
  color: var(--c-text);
  display: flex;
  gap: 8px;
  align-items: center;
}
.widget-bullets li span { color: var(--c-ocean); font-weight: 700; }
.widget-form { display: flex; flex-direction: column; gap: 6px; }
.widget-label { font-size: 0.8125rem; font-weight: 600; color: var(--c-text-muted); }
.widget-input {
  padding: 11px 14px;
  border: 1px solid var(--c-border-strong);
  border-radius: 4px;
  font-family: var(--font-body);
  font-size: 1rem;
  width: 100%;
  margin-bottom: 8px;
}
.widget-btn {
  background: var(--c-ocean);
  color: #FFFFFF;
  border: none;
  padding: 12px 22px;
  border-radius: 4px;
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 1rem;
  cursor: pointer;
  transition: background 120ms ease;
}
.widget-btn:hover { background: var(--c-ocean-dark); }
.widget-footer-note {
  margin-top: 16px;
  padding-top: 12px;
  border-top: 1px solid var(--c-border);
  background: var(--c-sky-tint);
  margin: 16px -24px -16px;
  padding: 12px 24px;
  font-size: 0.875rem;
  color: var(--c-ocean-dark);
  text-align: center;
  border-radius: 0 0 6px 6px;
}

/* Anchor nav strip */
.best-anchor-nav {
  background: #FFFFFF;
  padding: 18px 0;
  border-bottom: 1px solid var(--c-border);
}
.best-anchor-nav .container { display: flex; gap: 22px; flex-wrap: wrap; }
.best-anchor-nav a {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--c-ocean);
  text-decoration: none;
}
.best-anchor-nav a:hover { text-decoration: underline; }

/* Provider list section */
.best-providers { padding: 28px 0 56px; background: #FFFFFF; }

/* Filter row */
.filter-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 16px;
  margin-bottom: 24px;
  padding: 0;
}
.filter-cell { display: flex; flex-direction: column; gap: 6px; }
.filter-label {
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--c-text);
}
.filter-select {
  position: relative;
  border: 1px solid var(--c-border-strong);
  border-radius: 4px;
  background: #FFFFFF;
}
.filter-select::after {
  content: "▾";
  position: absolute;
  right: 14px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--c-ocean);
  pointer-events: none;
  font-size: 0.875rem;
}
.filter-select select {
  appearance: none;
  -webkit-appearance: none;
  background: transparent;
  border: none;
  width: 100%;
  padding: 13px 36px 13px 14px;
  font-family: var(--font-body);
  font-size: 1rem;
  color: var(--c-text);
  cursor: pointer;
}
.filter-input {
  padding: 13px 14px;
  border: 1px solid var(--c-border-strong);
  border-radius: 4px;
  font-family: var(--font-body);
  font-size: 1rem;
  background: #FFFFFF;
  color: var(--c-text);
}

/* Provider card v2 — Bankrate style */
.provider-list { display: flex; flex-direction: column; gap: 16px; }
.provider-card-v2 {
  border: 1px solid var(--c-border-strong);
  border-radius: 4px;
  background: #FFFFFF;
  overflow: hidden;
}
.provider-card-head {
  display: flex;
  align-items: center;
  background: var(--c-sky-tint);
  padding: 10px 18px;
  border-bottom: 1px solid var(--c-border);
}
.provider-category {
  display: inline-block;
  background: var(--c-ocean);
  color: #FFFFFF;
  font-size: 0.6875rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  padding: 5px 12px;
  border-radius: 2px;
  margin-right: 14px;
  text-transform: uppercase;
}
.provider-subtitle {
  font-size: 0.875rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  color: var(--c-ocean-deep);
  text-transform: uppercase;
}
.provider-card-body {
  display: grid;
  grid-template-columns: 1.3fr repeat(4, 1fr) 1fr;
  gap: 16px;
  padding: 22px 18px;
  align-items: start;
}
@media (max-width: 1024px) {
  .provider-card-body {
    grid-template-columns: 1.3fr 1fr 1fr;
  }
}
@media (max-width: 720px) {
  .provider-card-body { grid-template-columns: 1fr 1fr; gap: 18px 12px; }
}
.provider-brand { display: flex; flex-direction: column; align-items: flex-start; gap: 6px; }
.provider-logo { width: 100px; height: 56px; display: flex; align-items: center; justify-content: center; }
.provider-logo svg { width: 56px; height: 56px; }
.provider-name-v2 {
  font-weight: 700;
  font-size: 1.125rem;
  color: var(--c-text);
  margin-top: 4px;
}
.provider-rating-row { display: flex; align-items: center; gap: 6px; }
.provider-stars { color: #e0a12a; font-size: 1rem; letter-spacing: 1px; }
.provider-rating-num { font-size: 0.875rem; font-weight: 600; color: var(--c-text-muted); }
.provider-review-link { font-size: 0.875rem; color: var(--c-ocean); font-weight: 600; }
.provider-verified {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 0.8125rem;
  color: var(--c-ocean-dark);
  font-weight: 600;
}
.provider-col { display: flex; flex-direction: column; gap: 4px; }
.provider-col-label { font-size: 0.875rem; font-weight: 700; color: var(--c-text); }
.provider-col-value {
  font-size: 1.625rem;
  font-weight: 700;
  color: var(--c-text);
  font-variant-numeric: tabular-nums;
  line-height: 1.1;
}
.provider-cta-cell { display: flex; flex-direction: column; align-items: flex-end; gap: 6px; justify-content: flex-start; }
.btn-cta-v2 {
  background: var(--c-ocean);
  color: #FFFFFF;
  padding: 12px 22px;
  border-radius: 4px;
  font-weight: 700;
  font-size: 1rem;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: background 120ms ease;
  white-space: nowrap;
}
.btn-cta-v2:hover { background: var(--c-ocean-dark); text-decoration: none; }
.provider-apply-note { font-size: 0.8125rem; color: var(--c-text-muted); }
.provider-details { border-top: 1px solid var(--c-border); }
.provider-details summary {
  padding: 12px 18px;
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--c-ocean);
  cursor: pointer;
  text-align: right;
  list-style: none;
}
.provider-details summary::-webkit-details-marker { display: none; }
.provider-details summary::after { content: " ▾"; }
.provider-details[open] summary::after { content: " ▴"; }
.provider-details-body { padding: 0 18px 18px; }
.provider-details-list { list-style: none; padding: 0; margin: 0 0 12px; display: flex; flex-direction: column; gap: 6px; }
.provider-details-list li {
  font-size: 0.9375rem;
  color: var(--c-text-muted);
  padding-left: 18px;
  position: relative;
}
.provider-details-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--c-ocean);
  font-weight: 700;
}
.provider-details-meta { font-size: 0.8125rem; color: var(--c-text-muted); margin: 8px 0 0; }
.best-providers-disclaimer { font-size: 0.8125rem; color: var(--c-text-muted); margin-top: 18px; text-align: center; }

/* Editorial section */
.best-editorial { padding: 56px 0; background: var(--c-sky-tint); border-top: 1px solid var(--c-border); }
.best-editorial-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; }
@media (max-width: 720px) { .best-editorial-grid { grid-template-columns: 1fr; gap: 28px; } }
.best-editorial h2 { font-size: 1.5rem; margin-bottom: 12px; }
.best-editorial p { font-size: 1rem; color: var(--c-text-muted); margin-bottom: 12px; }
.best-definitions dt { font-weight: 700; color: var(--c-text); margin-top: 12px; font-size: 0.9375rem; }
.best-definitions dt:first-child { margin-top: 0; }
.best-definitions dd { margin-left: 0; font-size: 0.9375rem; color: var(--c-text-muted); margin-bottom: 6px; }

/* Best-grid (hub) */
.best-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 18px;
}
.best-grid-card {
  background: #FFFFFF;
  border: 1px solid var(--c-border);
  border-radius: 6px;
  padding: 22px;
  text-decoration: none;
  color: var(--c-text);
  transition: border-color 120ms ease, transform 120ms ease, box-shadow 120ms ease;
}
.best-grid-card:hover {
  border-color: var(--c-ocean);
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(12, 74, 110, 0.1);
  text-decoration: none;
}
.best-grid-card h3 { font-size: 1.125rem; font-weight: 700; color: var(--c-ocean-deep); margin: 0 0 4px; }
.best-grid-card span { font-size: 0.9375rem; color: var(--c-text-muted); }

/* Best-hero 2-column split: editorial left, offer slot right.
   Inherits container constraints from former .best-hero-inner. */
.best-hero-split {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
  position: relative;
  display: grid;
  grid-template-columns: 1fr;
  gap: 28px;
  align-items: start;
}
.best-hero-content { min-width: 0; }
.hero-offer-slot {
  min-height: 280px;
  background: rgba(255,255,255,0.04);
  border: 1px dashed rgba(255,255,255,0.08);
  border-radius: 12px;
}
.hero-offer-slot:empty { background: transparent; border: none; min-height: 0; }

@media (min-width: 1024px) {
  .best-hero-split {
    grid-template-columns: minmax(0, 1.4fr) minmax(0, 1fr);
    gap: 40px;
    align-items: stretch;
  }
  /* All editorial elements left-align on desktop using the REAL class names */
  .best-hero-content .best-hero-h1,
  .best-hero-content .best-hero-subtitle,
  .best-hero-content .best-hero-intro {
    text-align: left;
    margin-left: 0;
    margin-right: 0;
  }
  .best-hero-content .best-hero-advdisc { text-align: left; }
  .best-hero-content .best-bylines { justify-content: flex-start; }
  .best-hero-content .best-hero-intro { max-width: none; }
  .hero-offer-slot:empty { min-height: 280px; }
}

/* Top-of-page offers — real partners only, mobile-visible above the fold */
.top-offers {
  background: var(--c-white);
  border-bottom: 1px solid var(--c-border);
  padding: 18px 0 22px;
}
.top-offers-inner { max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.top-offers-eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--c-text-muted);
  margin: 0 0 4px;
}
.top-offers-h2 {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--c-ocean-deep);
  margin: 0 0 14px;
  letter-spacing: -0.01em;
}
.top-offers-disclosure {
  color: var(--c-text-muted);
  font-size: 0.74rem;
  margin: 12px 0 0;
}
.top-offers-disclosure a { color: var(--c-text-muted); text-decoration: underline; }

.offer-rating-sponsored {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--c-text-muted);
  background: var(--c-sky-tint);
  padding: 4px 10px;
  border-radius: 999px;
}
.offer-badge-exclusive {
  display: inline-block;
  margin-left: 8px;
  padding: 2px 8px;
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: #fff;
  background: linear-gradient(135deg, #c1841a, #c1841a);
  border-radius: 999px;
  vertical-align: middle;
}

@media (min-width: 768px) {
  .top-offers { padding: 24px 0 28px; }
  .top-offers-h2 { font-size: 1.875rem; margin-bottom: 20px; }
}

/* Hero right-column quote form slot.
   Lives inside <aside class="hero-offer-slot"> on niches without partner
   offers yet. Replace inner markup with partner JS embed when available. */
.hero-quote-form {
  background: #FFFFFF;
  color: var(--c-text);
  border-radius: 14px;
  padding: 22px 22px 24px;
  box-shadow: 0 18px 40px -22px rgba(0, 0, 0, 0.55), 0 4px 12px rgba(12, 74, 110, 0.10);
  border: 1px solid rgba(255,255,255,0.18);
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.hero-quote-form .qf-eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.7rem;
  font-weight: 700;
  color: var(--c-ocean);
  margin: 0;
}
.hero-quote-form h3 {
  font-family: var(--font-display);
  font-size: 1.18rem;
  font-weight: 700;
  color: var(--c-ocean-deep);
  margin: 0;
  line-height: 1.25;
}
.hero-quote-form .qf-trust {
  display: flex; align-items: center; gap: 6px;
  font-size: 0.82rem;
  color: var(--c-text-muted);
  margin: 0;
}
.hero-quote-form .qf-trust svg { color: var(--c-ocean); flex: 0 0 auto; }
.hero-quote-form .qf-field { display: flex; flex-direction: column; gap: 5px; }
.hero-quote-form .qf-label {
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--c-ocean-deep);
}
.hero-quote-form .qf-input,
.hero-quote-form .qf-select {
  appearance: none;
  -webkit-appearance: none;
  width: 100%;
  padding: 11px 13px;
  border-radius: 8px;
  border: 1px solid var(--c-border);
  background: var(--c-white);
  font: inherit;
  font-size: 0.95rem;
  color: var(--c-text);
}
.hero-quote-form .qf-input:focus,
.hero-quote-form .qf-select:focus {
  outline: none;
  border-color: var(--c-ocean);
  box-shadow: 0 0 0 3px rgba(2, 132, 199, 0.18);
}
.hero-quote-form .qf-select {
  background-image: linear-gradient(45deg, transparent 50%, var(--c-text-muted) 50%), linear-gradient(135deg, var(--c-text-muted) 50%, transparent 50%);
  background-position: calc(100% - 18px) center, calc(100% - 13px) center;
  background-size: 5px 5px, 5px 5px;
  background-repeat: no-repeat;
  padding-right: 32px;
}
.hero-quote-form .qf-btn {
  padding: 12px 16px;
  background: var(--c-ocean);
  color: #fff;
  border: 0;
  border-radius: 10px;
  font: inherit;
  font-weight: 700;
  font-size: 0.98rem;
  cursor: pointer;
  transition: background 150ms ease;
}
.hero-quote-form .qf-btn:hover { background: var(--c-ocean-dark); }
.hero-quote-form .qf-fineprint {
  font-size: 0.72rem;
  color: var(--c-text-muted);
  margin: 0;
  line-height: 1.4;
}

/* Override :empty hiding when the slot has the form inside */
.hero-offer-slot:has(.hero-quote-form) {
  background: transparent;
  border: 0;
  min-height: 0;
}

/* Sponsored pill is redundant with section disclaimer — hide globally */
.offer-rating-sponsored { display: none; }

/* ------ Bankrate-class offer card ------ */
.top-offers-list { display: flex; flex-direction: column; gap: 16px; }

.offer-card {
  background: var(--c-white);
  border: 1px solid var(--c-border);
  border-radius: 12px;
  overflow: hidden;
  transition: border-color 150ms ease, box-shadow 150ms ease;
}
.offer-card:hover { border-color: var(--c-ocean); box-shadow: 0 6px 20px -10px rgba(12, 74, 110, 0.25); }

/* Top ribbon */
.offer-ribbon {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px 12px;
  padding: 10px 18px;
  background: var(--c-sky-tint);
  border-bottom: 1px solid var(--c-border);
}
.offer-ribbon-badge {
  color: #fff;
  background: var(--c-ocean);
  font-weight: 700;
  font-size: 0.82rem;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  white-space: nowrap;
  padding: 4px 12px;
  border-radius: 999px;
}
.offer-ribbon-badge::before { content: "✓"; font-weight: 800; }
.offer-ribbon-text {
  color: var(--c-ocean-deep);
  font-size: 0.85rem;
  line-height: 1.35;
  flex: 1 1 auto;
  min-width: 0;
}

/* Body — header + CTA column */
.offer-body {
  display: grid;
  grid-template-columns: 1fr;
  gap: 18px;
  padding: 18px 20px;
}
.offer-best-for {
  color: var(--c-ocean);
  font-weight: 700;
  font-size: 0.95rem;
  margin: 0 0 10px;
  letter-spacing: -0.005em;
}
.offer-header {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 22px;
  align-items: center;
}
.offer-image {
  width: 88px; height: 88px;
  border-radius: 12px;
  background: var(--c-white);
  border: 1px solid var(--c-border);
  display: inline-flex; align-items: center; justify-content: center;
  overflow: hidden;
  padding: 10px;
}
.offer-image img { max-width: 100%; max-height: 100%; object-fit: contain; }
.offer-image .offer-monogram { width: 100%; height: 100%; border-radius: 8px; font-size: 1.6rem; }
/* card-art offers (Total Visa, Destiny) render the real card, not a logo box */
.offer-image.offer-image--card { width: 132px; height: 84px; padding: 0; border: 0; background: transparent; border-radius: 0; overflow: visible; }
.offer-image.offer-image--card img { width: 100%; height: 100%; object-fit: contain; border-radius: 8px; filter: drop-shadow(0 5px 11px rgba(16,42,67,.30)); }
.offer-h3 {
  font-family: var(--font-display);
  font-size: 1.45rem;
  font-weight: 800;
  color: var(--c-ocean-deep);
  letter-spacing: -0.015em;
  line-height: 1.2;
  margin: 0 0 6px;
}
.offer-h3 .offer-badge-exclusive { vertical-align: middle; margin-left: 8px; }
.offer-score {
  display: flex; align-items: center; gap: 8px;
  font-size: 0.92rem;
  color: var(--c-text-muted);
  flex-wrap: wrap;
}
.offer-score-label { color: var(--c-ocean-deep); font-weight: 600; }
.offer-score-stars { color: #e0a12a; letter-spacing: 1px; }
.offer-score-num { font-weight: 700; color: var(--c-ocean-deep); }

/* CTA column */
.offer-cta-col {
  display: flex;
  flex-direction: column;
  gap: 8px;
  align-items: stretch;
  text-align: center;
}
.offer-credit-pill {
  display: inline-block;
  font-size: 0.85rem;
  background: var(--c-sky-tint);
  color: var(--c-ocean-deep);
  padding: 6px 12px;
  border-radius: 999px;
  font-weight: 600;
  align-self: center;
}
.offer-credit-pill strong { color: var(--c-ocean-dark); font-weight: 700; }
.offer-cta-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 13px 24px;
  background: var(--c-ocean);
  color: #fff !important;
  font-weight: 700;
  font-size: 1.05rem;
  border-radius: 10px;
  text-decoration: none !important;
  transition: background 150ms ease;
  min-width: 200px;
}
.offer-cta-btn:hover { background: var(--c-ocean-dark); }
.offer-cta-lock { width: 14px; height: 14px; opacity: 0.9; }
.offer-secure-text {
  font-size: 0.78rem;
  color: var(--c-text-muted);
  margin: 0;
}

/* Features row — 4-column structured data */
.offer-features {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0;
  border-top: 1px solid var(--c-border);
  border-bottom: 1px solid var(--c-border);
  background: #fffdf8;
}
.offer-feature {
  padding: 14px 18px;
  border-right: 1px solid var(--c-border);
  border-bottom: 1px solid var(--c-border);
}
.offer-feature:nth-child(2n) { border-right: none; }
.offer-feature:nth-last-child(-n+2) { border-bottom: none; }
.offer-feature-label {
  display: block;
  font-size: 0.78rem;
  color: var(--c-text-muted);
  margin-bottom: 4px;
  font-weight: 500;
}
.offer-feature-value {
  display: block;
  font-size: 1rem;
  font-weight: 700;
  color: var(--c-ocean-deep);
  line-height: 1.3;
}

/* Why you'll like this */
.offer-why {
  padding: 14px 20px;
  background: var(--c-sky-tint);
  font-size: 0.92rem;
  line-height: 1.5;
  color: var(--c-text);
}
.offer-why strong { color: var(--c-ocean-deep); font-weight: 700; }

/* Checkmark highlight bullets (replaces the "why" paragraph when present) */
.offer-points {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 10px;
}
.offer-points li {
  display: grid;
  grid-template-columns: 20px 1fr;
  gap: 10px;
  align-items: start;
  font-size: 0.98rem;
  line-height: 1.4;
  color: var(--c-text);
}
.offer-points li svg {
  width: 18px;
  height: 18px;
  margin-top: 2px;
  color: var(--c-success);
}

/* Tablet+ — side-by-side header / CTA */
@media (min-width: 768px) {
  .offer-body {
    grid-template-columns: minmax(0, 1fr) 240px;
    gap: 28px;
    padding: 22px 24px;
  }
  .offer-cta-col { align-items: stretch; }
  .offer-features { grid-template-columns: repeat(auto-fit, minmax(140px, 1fr)); }
  .offer-feature { border-bottom: none !important; }
  .offer-feature:last-child { border-right: none; }
}

@media (min-width: 1024px) {
  .offer-h3 { font-size: 1.625rem; }
  .offer-image { width: 110px; height: 110px; }
  .offer-header { grid-template-columns: auto 1fr; gap: 20px; }
}

/* HIDE legacy elements (kept in style.css for sub-page bestof-card unrelated uses) */
.offer-row { display: none !important; }

/* ---- Dual-CTA support ---- */
.offer-cta-multi-eyebrow {
  font-size: 0.78rem;
  color: var(--c-text-muted);
  margin: 0 0 6px;
  text-align: center;
  font-weight: 600;
}
.offer-cta-multi {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
}
.offer-cta-pill {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-decoration: none !important;
  padding: 9px 8px;
  border-radius: 10px;
  background: var(--c-ocean);
  color: #fff !important;
  transition: background 150ms ease, transform 100ms ease;
  line-height: 1.15;
  white-space: nowrap;
}
.offer-cta-pill:hover { background: var(--c-ocean-dark); transform: translateY(-1px); }
.offer-cta-pill-label {
  font-size: 1rem;
  font-weight: 800;
  letter-spacing: -0.01em;
  line-height: 1.2;
}
.offer-cta-pill-text {
  font-size: 0.75rem;
  font-weight: 600;
  margin-top: 3px;
  opacity: 0.92;
  letter-spacing: 0.02em;
  text-transform: uppercase;
}

/* ---- Space optimization (sitewide offer card compression) ---- */
.offer-card { border-radius: 10px; }
.offer-body { gap: 18px; padding: 16px 18px; }
.offer-features .offer-feature { padding: 10px 14px; }
.offer-why { padding: 10px 16px; font-size: 0.88rem; line-height: 1.45; }
.offer-ribbon { padding: 8px 16px; }
.offer-ribbon-badge { font-size: 0.88rem; }
.offer-ribbon-text { font-size: 0.84rem; }
.offer-cta-col { gap: 7px; }
.top-offers-list { gap: 12px; }
.top-offers { padding: 20px 0 24px; }

@media (min-width: 768px) {
  .offer-body { gap: 22px; padding: 18px 22px; }
  .offer-features .offer-feature { padding: 12px 16px; }
}
@media (min-width: 1024px) {
  .offer-body { padding: 20px 24px; }
}

/* debt wall: wordmark logos need a wide box, not a square one (advertiser logos must be legible) */
body[data-niche="debt-consolidation"] .offer-image{width:156px;height:66px}
@media(max-width:480px){body[data-niche="debt-consolidation"] .offer-image{width:140px;height:60px}}

/* ---- Harbor overrides ----
   The primary action on RateArk is the gold pill, not the teal one inherited from
   capepath's blue palette. Colour only: copy, size and placement are untouched. */
.btn-primary,
a.btn-primary,
.btn.btn-primary{
  background:var(--gold,#e0a12a)!important;
  background-image:none!important;
  border-color:var(--gold,#e0a12a)!important;
  color:#3a2b06!important;
  box-shadow:0 10px 22px -8px rgba(224,161,42,.8)!important;
}
.btn-primary:hover,a.btn-primary:hover,.btn.btn-primary:hover{
  background:var(--gold-deep,#c1841a)!important;
  border-color:var(--gold-deep,#c1841a)!important;
}
.btn-primary:focus-visible{outline:3px solid #0b4a47!important;outline-offset:3px!important}
