/* Additional moss color variants for phone mockup */
:root {
  --moss-dark: #1a3026;
  --moss-light: #3a6b4a;
}

:root{
  --ink:#0f1a14;
  --moss:#1f3a2c;
  --bamboo:#2d5a3d;
  --jade:#4a8060;
  --sage:#88a888;
  --cream:#faf6ee;
  --paper:#f3ecdb;
  --sand:#e8dec7;
  --gold:#b8893a;
  --gold-light:#d4a651;
  --rust:#8a4a2a;
  --line:rgba(15,26,20,.12);
  --shadow-sm:0 1px 2px rgba(15,26,20,.06),0 2px 6px rgba(15,26,20,.04);
  --shadow-md:0 4px 12px rgba(15,26,20,.08),0 12px 32px rgba(15,26,20,.06);
  --shadow-lg:0 12px 32px rgba(15,26,20,.10),0 32px 80px rgba(15,26,20,.10);
  --r-sm:6px; --r-md:12px; --r-lg:20px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:'Source Sans 3','Source Sans Pro',-apple-system,BlinkMacSystemFont,sans-serif;
  font-size:17px;line-height:1.7;color:var(--ink);background:var(--cream);
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4,h5{
  font-family:'Cormorant Garamond','Playfair Display',Georgia,serif;
  font-weight:600;letter-spacing:-.01em;line-height:1.18;color:var(--moss);
}
h1{font-size:clamp(2.4rem,5vw,4rem);font-weight:500}
h2{font-size:clamp(1.8rem,3.4vw,2.7rem);margin:2.2rem 0 1rem}
h3{font-size:1.5rem;margin:1.8rem 0 .8rem;color:var(--bamboo)}
h4{font-size:1.18rem;margin:1.2rem 0 .5rem;font-family:'Source Sans 3',sans-serif;font-weight:600;letter-spacing:.02em;text-transform:uppercase;color:var(--rust);font-size:.85rem}
p{margin-bottom:1.1rem;color:#2a3a30}
a{color:var(--bamboo);text-decoration:none;border-bottom:1px solid rgba(45,90,61,.25);transition:all .2s}
a:hover{color:var(--gold);border-bottom-color:var(--gold)}
.container{max-width:1180px;margin:0 auto;padding:0 1.5rem}
.narrow{max-width:780px;margin:0 auto;padding:0 1.5rem}

/* Skip link for a11y */
.skip{position:absolute;left:-9999px;top:0;background:var(--moss);color:var(--cream);padding:.6rem 1rem;z-index:1000}
.skip:focus{left:1rem;top:1rem}

/* Top bar */
/* Header / Nav */
header.site{background:var(--cream);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:100;backdrop-filter:blur(10px);background:rgba(250,246,238,.94)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;padding:1.1rem 0;gap:2rem}
.brand{display:flex;align-items:center;gap:.7rem;font-family:'Cormorant Garamond',serif;font-weight:600;font-size:1.5rem;color:var(--moss);border:none}
.brand-mark{width:42px;height:42px}
nav ul{display:flex;list-style:none;gap:1.8rem;align-items:center;flex-wrap:wrap}
nav a{color:var(--ink);font-size:.95rem;font-weight:500;border:none;padding:.3rem 0;position:relative}
nav a::after{content:'';position:absolute;bottom:-4px;left:0;width:0;height:2px;background:var(--gold);transition:width .25s}
nav a:hover::after{width:100%}
.cta-btn{background:var(--bamboo);color:var(--cream)!important;padding:.7rem 1.4rem;border-radius:var(--r-sm);font-weight:600;border:none!important;letter-spacing:.02em;transition:all .2s;display:inline-block}
.cta-btn:hover{background:var(--moss);transform:translateY(-1px);box-shadow:var(--shadow-md)}
.cta-btn.gold{background:var(--gold);color:var(--ink)!important}
.cta-btn.gold:hover{background:var(--gold-light)}

/* Hero */
.hero{
  background:#1a3026;
  color:var(--cream);padding:5rem 0 6rem;position:relative;overflow:hidden;
}

.hero .container{position:relative;z-index:2}
.hero h1{color:var(--cream);margin-bottom:1.2rem}
.hero h1 em{color:var(--gold-light);font-style:italic}
.hero-sub{font-size:1.25rem;max-width:640px;color:rgba(250,246,238,.92);margin-bottom:2rem;line-height:1.55}
.hero-ctas{display:flex;gap:1rem;flex-wrap:wrap;margin-top:1.5rem}
.eyebrow{display:inline-block;font-size:.78rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-light);margin-bottom:1rem;font-weight:600;border-bottom:1px solid rgba(212,166,81,.4);padding-bottom:.4rem}

/* Trust badges row */
.trust{background:var(--paper);padding:1.5rem 0;border-bottom:1px solid var(--line)}
.trust-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:1.2rem;align-items:center;text-align:center}
.trust-item{font-size:.85rem;color:var(--moss);font-weight:500}
.trust-item strong{display:block;font-family:'Cormorant Garamond',serif;font-size:1.6rem;color:var(--bamboo);font-weight:600}

/* Sections */
section.section{padding:4.5rem 0}
.lede{font-size:1.18rem;color:#3a4a40;max-width:720px;margin-bottom:2rem}

/* Card grid */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1.6rem;margin-top:2rem}
.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--r-md);
  padding:1.8rem;transition:all .25s;position:relative;overflow:hidden;
}
.card::before{content:'';position:absolute;top:0;left:0;width:100%;height:3px;background:linear-gradient(90deg,var(--bamboo),var(--gold));transform:scaleX(0);transform-origin:left;transition:transform .3s}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow-md);border-color:var(--sage)}
.card:hover::before{transform:scaleX(1)}
.card h3{margin-top:.5rem}
.card .icon{width:48px;height:48px;color:var(--bamboo);margin-bottom:.5rem}

/* Image */
.hero-img,.feat-img{width:100%;height:auto;border-radius:var(--r-md);box-shadow:var(--shadow-md);display:block}
figure{margin:2rem 0}
figcaption{font-size:.85rem;color:#5a6a60;text-align:center;margin-top:.5rem;font-style:italic}

/* 2-column feature */
.split{display:grid;grid-template-columns:1.1fr 1fr;gap:3.5rem;align-items:center;margin:3rem 0}
.split.reverse{grid-template-columns:1fr 1.1fr}
.split.reverse .text{order:2}
.split.reverse .visual{order:1}
@media(max-width:768px){.split,.split.reverse{grid-template-columns:1fr;gap:2rem}.split.reverse .text,.split.reverse .visual{order:initial}}

/* Author/Reviewer block */
.author-box{background:var(--paper);border-left:4px solid var(--gold);padding:1.5rem 1.8rem;border-radius:0 var(--r-md) var(--r-md) 0;margin:2rem 0;display:flex;gap:1.2rem;align-items:flex-start}
.author-img{width:72px;height:72px;border-radius:50%;flex-shrink:0;border:3px solid var(--cream);box-shadow:var(--shadow-sm)}
.author-meta{flex:1}
.author-meta h4{margin:0 0 .3rem;color:var(--moss);text-transform:none;font-family:'Cormorant Garamond',serif;font-size:1.2rem;letter-spacing:0;font-weight:600}
.author-meta .role{font-size:.85rem;color:var(--rust);font-weight:600;letter-spacing:.04em;text-transform:uppercase;margin-bottom:.3rem}
.author-meta .bio{font-size:.92rem;color:#3a4a40;line-height:1.55;margin:0}
.author-meta .creds{font-size:.82rem;color:#5a6a60;margin-top:.4rem}

/* Reviewed badge */
.reviewed{display:inline-flex;align-items:center;gap:.5rem;background:var(--moss);color:var(--cream);font-size:.78rem;padding:.4rem .8rem;border-radius:var(--r-sm);font-weight:500;letter-spacing:.04em;margin-bottom:1rem}
.reviewed::before{content:'✓';font-weight:700;color:var(--gold-light)}

/* Editorial meta line */
.article-meta{font-size:.86rem;color:#5a6a60;margin-bottom:1rem;display:flex;flex-wrap:wrap;gap:1.2rem;align-items:center}
.article-meta span{display:inline-flex;align-items:center;gap:.4rem}

/* TOC */
.toc{background:var(--paper);padding:1.5rem 1.8rem;border-radius:var(--r-md);margin:2rem 0;border:1px solid var(--sand)}
.toc h4{margin-top:0;text-transform:uppercase;font-size:.78rem;letter-spacing:.12em;color:var(--rust)}
.toc ol{padding-left:1.4rem;margin:.8rem 0 0}
.toc li{margin:.4rem 0;font-size:.95rem}
.toc a{border:none;color:var(--moss)}
.toc a:hover{color:var(--gold)}

/* Pull quote / callout */
.pullquote{
  border-left:4px solid var(--gold);background:linear-gradient(90deg,var(--paper) 0%,transparent 100%);
  padding:1.4rem 1.8rem;margin:2rem 0;font-family:'Cormorant Garamond',serif;
  font-size:1.3rem;font-style:italic;color:var(--moss);line-height:1.5;
}
.callout{background:#fffaf0;border:1px solid var(--gold-light);border-left:4px solid var(--gold);padding:1.2rem 1.5rem;border-radius:var(--r-sm);margin:1.5rem 0}
.callout strong{color:var(--rust);text-transform:uppercase;letter-spacing:.04em;font-size:.82rem;display:block;margin-bottom:.3rem}

/* FAQ */
.faq-item{border-bottom:1px solid var(--line);padding:1.2rem 0}
.faq-item:last-child{border-bottom:none}
.faq-q{font-family:'Cormorant Garamond',serif;font-size:1.3rem;color:var(--moss);font-weight:600;margin-bottom:.5rem}
.faq-q::before{content:'Q.';color:var(--gold);font-weight:700;margin-right:.5rem;font-style:italic}
.faq-a{color:#2a3a30}
.faq-a::before{content:'A.';color:var(--bamboo);font-weight:700;margin-right:.5rem;font-style:italic;font-family:'Cormorant Garamond',serif;font-size:1.1rem}

/* Tables */
table{width:100%;border-collapse:collapse;margin:1.5rem 0;background:#fff;border-radius:var(--r-md);overflow:hidden;box-shadow:var(--shadow-sm)}
th{background:var(--moss);color:var(--cream);padding:.9rem 1rem;text-align:left;font-weight:600;font-size:.92rem;letter-spacing:.02em}
td{padding:.85rem 1rem;border-bottom:1px solid var(--line);font-size:.95rem}
tr:last-child td{border-bottom:none}
tr:nth-child(even) td{background:var(--paper)}

/* Calculator */
.calc{background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:2rem;box-shadow:var(--shadow-md);margin:2rem 0}
.calc-row{display:flex;flex-direction:column;gap:.4rem;margin-bottom:1.2rem}
.calc-row label{font-weight:600;color:var(--moss);font-size:.92rem}
.calc-row input,.calc-row select{padding:.7rem .9rem;border:1px solid var(--line);border-radius:var(--r-sm);font-size:1rem;font-family:inherit;background:var(--cream)}
.calc-row input:focus,.calc-row select:focus{outline:2px solid var(--gold);border-color:var(--gold)}
.calc-result{background:var(--moss);color:var(--cream);padding:1.5rem;border-radius:var(--r-sm);margin-top:1rem;text-align:center}
.calc-result .big{font-family:'Cormorant Garamond',serif;font-size:2.4rem;color:var(--gold-light);font-weight:600;display:block;margin:.4rem 0}

/* Breadcrumbs */
.breadcrumbs{font-size:.85rem;color:#5a6a60;padding:1rem 0;border-bottom:1px solid var(--line)}
.breadcrumbs a{color:var(--bamboo);border:none}
.breadcrumbs a:hover{color:var(--gold)}
.breadcrumbs .sep{margin:0 .5rem;color:var(--sage)}

/* Footer */
footer.site{background:var(--ink);color:var(--sand);padding:3.5rem 0 1.5rem;margin-top:4rem}
footer.site h4{color:var(--gold-light);font-family:'Source Sans 3',sans-serif;font-size:.82rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:1rem;font-weight:600}
footer.site a{color:var(--sand);border:none;font-size:.92rem}
footer.site a:hover{color:var(--gold-light)}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:2.5rem;margin-bottom:2.5rem}
.foot-grid ul{list-style:none}
.foot-grid li{margin:.4rem 0}
.foot-brand{font-family:'Cormorant Garamond',serif;font-size:1.5rem;color:var(--cream);margin-bottom:.6rem;display:flex;align-items:center;gap:.6rem}
.foot-tag{font-size:.92rem;line-height:1.55;color:rgba(232,222,199,.85);max-width:340px}
.foot-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:1.5rem;font-size:.82rem;color:rgba(232,222,199,.6);display:flex;justify-content:space-between;flex-wrap:wrap;gap:1rem}
.foot-disclaimer{font-size:.78rem;color:rgba(232,222,199,.55);line-height:1.55;margin-top:1rem;padding-top:1rem;border-top:1px solid rgba(255,255,255,.06)}
@media(max-width:768px){.foot-grid{grid-template-columns:1fr 1fr;gap:1.8rem}.nav-wrap{flex-direction:column;align-items:stretch;gap:1rem}nav ul{justify-content:center;gap:1rem}}

/* Page hero (sub-pages) */
.page-hero{background:linear-gradient(135deg,var(--moss),var(--bamboo));color:var(--cream);padding:3.5rem 0 3rem;position:relative}
.page-hero::after{content:'';position:absolute;bottom:0;left:0;right:0;height:1px;background:var(--gold);opacity:.3}
.page-hero h1{color:var(--cream);font-size:clamp(2rem,4vw,3.2rem)}
.page-hero p{color:rgba(250,246,238,.88);font-size:1.1rem;max-width:680px;margin-top:.8rem}

/* Article body */
article.post{background:#fff;padding:3rem 3rem;border-radius:var(--r-md);box-shadow:var(--shadow-sm);margin:2rem 0;border:1px solid var(--line)}
article.post h2{color:var(--moss)}
article.post p{font-size:1.05rem}
article.post ul,article.post ol{margin:1rem 0 1.2rem 1.5rem}
article.post li{margin:.4rem 0;line-height:1.65}
@media(max-width:768px){article.post{padding:2rem 1.5rem}}

/* Review stars */
.stars{color:var(--gold);letter-spacing:.1em;font-size:1.1rem}

/* Country / region badge */
.region-badge{display:inline-block;font-size:.72rem;background:var(--rust);color:var(--cream);padding:.2rem .6rem;border-radius:var(--r-sm);letter-spacing:.06em;margin-left:.5rem;vertical-align:middle}

/* Decorative bamboo accent */
.bamboo-rule{display:flex;align-items:center;gap:1rem;margin:3rem 0;color:var(--sage)}
.bamboo-rule::before,.bamboo-rule::after{content:'';flex:1;height:1px;background:var(--sage);opacity:.4}
.bamboo-rule .ornament{font-family:'Cormorant Garamond',serif;font-size:1.4rem;color:var(--gold)}

/* Error page */
.errpage{min-height:70vh;display:flex;align-items:center;justify-content:center;text-align:center;padding:3rem 1.5rem}
.errpage .num{font-family:'Cormorant Garamond',serif;font-size:8rem;font-weight:600;color:var(--bamboo);line-height:1;margin-bottom:1rem}
.errpage h1{font-size:2rem;margin-bottom:.8rem}
.errpage .countdown{font-size:.9rem;color:#5a6a60;margin-top:1.5rem}

/* Print */
@media print{header.site,footer.site,.cta-btn,body{font-size:11pt}}


/* ============ Hero form layout (2-col on desktop, stack on mobile) ============ */
.hero-grid{
  display:grid;
  grid-template-columns:1.15fr 1fr;
  gap:3rem;
  align-items:start;
}
@media(max-width:960px){
  .hero-grid{grid-template-columns:1fr;gap:2rem}
}
.hero-form-wrap{
  background:rgba(250,246,238,.97);
  border-radius:var(--r-md);
  padding:1.8rem 1.6rem;
  box-shadow:0 20px 60px rgba(15,26,20,.35), 0 4px 14px rgba(15,26,20,.2);
  border:1px solid rgba(255,255,255,.4);
  position:relative;
  overflow:hidden;
}
.hero-form-wrap::before{
  content:'';
  position:absolute;top:0;left:0;right:0;height:4px;
  background:linear-gradient(90deg,var(--gold),var(--gold-light),var(--gold));
}
.hero-form-header{
  text-align:center;
  margin-bottom:1.2rem;
  padding-bottom:1rem;
  border-bottom:1px solid var(--line);
}
.hero-form-header h2{
  font-family:'Cormorant Garamond',serif;
  color:var(--moss);
  font-size:1.65rem;
  margin:0 0 .3rem;
  font-weight:600;
}
.hero-form-header p{
  font-size:.85rem;
  color:#5a6a60;
  margin:0;
  font-style:italic;
}
.hero-form-trust{
  display:flex;
  justify-content:space-around;
  gap:.5rem;
  font-size:.72rem;
  color:#5a6a60;
  margin-top:1rem;
  padding-top:1rem;
  border-top:1px solid var(--line);
  text-align:center;
  flex-wrap:wrap;
}
.hero-form-trust span{
  display:inline-flex;
  align-items:center;
  gap:.3rem;
}
.hero-form-trust strong{
  color:var(--bamboo);
}

/* ============ Apply page form (full-width, prominent) ============ */
.apply-form-wrap{
  background:#fff;
  border-radius:var(--r-md);
  padding:2.5rem 2rem;
  box-shadow:var(--shadow-lg);
  border:1px solid var(--line);
  margin:2rem 0 3rem;
  position:relative;
  overflow:hidden;
}
.apply-form-wrap::before{
  content:'';
  position:absolute;top:0;left:0;right:0;height:5px;
  background:linear-gradient(90deg,var(--bamboo),var(--gold),var(--bamboo));
}
.apply-form-header{
  text-align:center;
  margin-bottom:1.5rem;
  padding-bottom:1.2rem;
  border-bottom:2px solid var(--paper);
}
.apply-form-header h2{
  font-family:'Cormorant Garamond',serif;
  color:var(--moss);
  font-size:2rem;
  margin:0 0 .4rem;
  font-weight:600;
}
.apply-form-header .badge-row{
  display:flex;
  justify-content:center;
  gap:1rem;
  margin-top:1rem;
  flex-wrap:wrap;
}
.apply-form-header .badge-row span{
  background:var(--paper);
  color:var(--moss);
  padding:.4rem .9rem;
  border-radius:var(--r-sm);
  font-size:.78rem;
  font-weight:600;
  letter-spacing:.04em;
  border:1px solid var(--sand);
}
@media(max-width:768px){
  .apply-form-wrap{padding:1.8rem 1.2rem}
  .apply-form-header h2{font-size:1.6rem}
}

/* Editorial process box (replaces fictional author boxes) */
.editorial-process-box{
  display:flex;
  align-items:flex-start;
  background:#fff8ed;
  border:1px solid var(--gold-light);
  border-left:4px solid var(--gold);
  border-radius:var(--r-md);
  padding:1.25rem 1.5rem;
  margin:2rem 0 0;
}
.editorial-process-box .editorial-icon{
  font-family:'Cormorant Garamond',serif;
  font-size:2rem;
  color:var(--gold);
  font-weight:600;
  line-height:1;
  margin-right:1rem;
  flex-shrink:0;
}
.editorial-process-box .role{
  font-size:.7rem;
  letter-spacing:.18em;
  text-transform:uppercase;
  color:#8a4a2a;
  font-weight:600;
  margin-bottom:.4rem;
}
.editorial-process-box h4{
  font-family:'Cormorant Garamond',serif;
  font-size:1.2rem;
  color:var(--moss);
  margin:0 0 .5rem;
  line-height:1.3;
}
.editorial-process-box .bio{
  font-size:.92rem;
  color:#3a4a40;
  margin:0;
  line-height:1.55;
}

/* Image-card variant for Why Panda Loans section */
.cards .card.with-image{
  padding:0;
  overflow:hidden;
  display:flex;
  flex-direction:column;
}

.card-image[src=""], 
.card-image:not([src]){
  background:linear-gradient(135deg, var(--paper) 0%, #fff8ed 100%);
  min-height:180px;
}
.card-image{
  width:100%;
  height:180px;
  object-fit:cover;
  display:block;
  background:var(--paper);
  border-bottom:1px solid var(--line);
}
.card.with-image .card-content{
  padding:1.4rem 1.5rem 1.5rem;
  flex:1;
  display:flex;
  flex-direction:column;
}
.card.with-image .card-content h3{
  margin-top:0;
}
.card.with-image .card-content p{
  flex:1;
}
@media (max-width:680px){
  .card-image{height:160px}
}

/* Accordion FAQ — collapsible question/answer */
.faq-accordion details{
  background:#fff;
  border:1px solid var(--line);
  border-radius:var(--r-md);
  margin-bottom:.6rem;
  overflow:hidden;
  transition:border-color .2s ease;
}
.faq-accordion details[open]{
  border-color:var(--gold);
}
.faq-accordion summary{
  padding:1rem 1.25rem;
  cursor:pointer;
  font-family:'Cormorant Garamond',Georgia,serif;
  font-size:1.15rem;
  color:var(--moss);
  font-weight:500;
  display:flex;
  justify-content:space-between;
  align-items:center;
  list-style:none;
  user-select:none;
  line-height:1.3;
}
.faq-accordion summary::-webkit-details-marker{display:none}
.faq-accordion summary::after{
  content:'+';
  font-family:'Cormorant Garamond',Georgia,serif;
  font-size:1.6rem;
  color:var(--gold);
  font-weight:500;
  flex-shrink:0;
  margin-left:1rem;
  line-height:1;
  transition:transform .2s ease;
}
.faq-accordion details[open] summary::after{
  content:'−';
}
.faq-accordion summary:hover{
  background:#fff8ed;
}
.faq-accordion details[open] summary{
  border-bottom:1px solid var(--line);
  background:#fff8ed;
}
.faq-accordion .faq-answer{
  padding:1rem 1.25rem 1.2rem;
  color:#3a4a40;
  font-size:.95rem;
  line-height:1.65;
  margin:0;
}
.faq-accordion .faq-answer a{
  color:var(--moss);
  border-bottom:1px solid var(--gold-light);
}
.faq-accordion .faq-answer a:hover{
  border-bottom-color:var(--moss);
}

/* Smooth scroll target offset for sticky header */
#apply-now{
  scroll-margin-top:80px;
}

/* Phone Mockup How It Works Section */
.howitworks-phone-layout{
  display:grid;
  grid-template-columns:280px 1fr;
  gap:3rem;
  align-items:flex-start;
  margin-top:2rem;
}
.phone-wrap{
  display:flex;
  justify-content:center;
  align-items:flex-start;
  position:sticky;
  top:90px;
}
.phone-mockup{
  width:260px;
  background:#1f1f1f;
  border-radius:36px;
  padding:11px;
  box-shadow:0 20px 50px rgba(31,58,44,.18), 0 6px 16px rgba(0,0,0,.1);
  position:relative;
}
.phone-mockup::before{
  content:'';
  position:absolute;
  top:20px;
  left:50%;
  transform:translateX(-50%);
  width:55px;
  height:6px;
  background:#0a0a0a;
  border-radius:3px;
  z-index:2;
}
.phone-screen{
  background:linear-gradient(160deg,var(--moss) 0%,var(--moss-light) 60%,var(--moss-dark) 100%);
  border-radius:26px;
  height:480px;
  overflow:hidden;
  display:flex;
  flex-direction:column;
  position:relative;
}
.phone-status-bar{
  height:34px;
  display:flex;
  justify-content:space-between;
  align-items:center;
  padding:8px 22px 0 24px;
  font-size:11px;
  color:var(--cream);
  font-weight:600;
}
.phone-content{
  flex:1;
  padding:1.75rem 1.4rem 1.2rem;
  color:var(--cream);
  display:flex;
  flex-direction:column;
}
.phone-logo{
  font-family:'Cormorant Garamond',Georgia,serif;
  font-size:1.3rem;
  font-weight:600;
  margin-bottom:.9rem;
  text-align:center;
  color:var(--cream);
}
.phone-progress{
  display:flex;
  gap:5px;
  margin-bottom:1.1rem;
}
.phone-progress span{
  height:4px;
  flex:1;
  background:rgba(250,246,238,.22);
  border-radius:2px;
  transition:background .3s;
}
.phone-progress span.done{background:rgba(212,166,81,.7)}
.phone-progress span.active{background:var(--gold-light)}
.phone-step-num{
  font-family:'Cormorant Garamond',Georgia,serif;
  font-size:3rem;
  font-weight:600;
  color:var(--gold-light);
  line-height:1;
  margin-bottom:.5rem;
}
.phone-step-title{
  font-family:'Cormorant Garamond',Georgia,serif;
  font-size:1.15rem;
  margin:0 0 .5rem;
  font-weight:500;
  color:var(--cream);
  line-height:1.25;
}
.phone-step-desc{
  font-size:.78rem;
  color:rgba(250,246,238,.85);
  line-height:1.55;
  margin:0 0 .9rem;
}
.phone-cta-mock{
  margin-top:auto;
  background:var(--gold-light);
  color:var(--moss-dark);
  text-align:center;
  padding:.7rem;
  border-radius:8px;
  font-size:.78rem;
  font-weight:600;
}

/* Steps list */
.howitworks-steps{
  display:flex;
  flex-direction:column;
  gap:1rem;
}
.howitworks-step-item{
  display:flex;
  gap:1.1rem;
  align-items:flex-start;
  padding:1.1rem 1.25rem;
  background:#fff;
  border:1px solid var(--line);
  border-radius:var(--r-md);
  border-left:3px solid var(--gold-light);
  transition:all .2s ease;
}
.howitworks-step-item:hover{
  border-left-color:var(--gold);
  background:#fff8ed;
  transform:translateX(2px);
}
.howitworks-step-num{
  width:38px;
  height:38px;
  background:#fff8ed;
  border:1px solid var(--gold-light);
  border-radius:50%;
  display:flex;
  align-items:center;
  justify-content:center;
  font-family:'Cormorant Garamond',Georgia,serif;
  font-size:1.05rem;
  color:var(--rust);
  font-weight:600;
  flex-shrink:0;
  transition:all .2s;
}
.howitworks-step-item:hover .howitworks-step-num{
  background:var(--gold);
  color:var(--cream);
  border-color:var(--gold);
}
.howitworks-step-content{flex:1;min-width:0}
.howitworks-step-content h3{
  font-family:'Cormorant Garamond',Georgia,serif;
  font-size:1.2rem;
  color:var(--moss);
  margin:0 0 .3rem;
  font-weight:500;
  line-height:1.3;
}
.howitworks-step-content p{
  font-size:.92rem;
  color:#3a4a40;
  margin:0;
  line-height:1.6;
}
.howitworks-step-meta{
  font-size:.7rem;
  color:var(--rust);
  letter-spacing:.06em;
  text-transform:uppercase;
  font-weight:600;
  margin-top:.45rem;
  display:inline-block;
  padding:.15rem .55rem;
  background:#fff8ed;
  border-radius:3px;
  border:1px solid var(--gold-light);
}

@media (max-width:880px){
  .howitworks-phone-layout{
    grid-template-columns:1fr;
    gap:2rem;
  }
  .phone-wrap{
    position:static;
  }
  .phone-mockup{
    width:240px;
  }
  .phone-screen{height:440px}
}

/* APR Quick Facts Strip */
.apr-quick-facts{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:12px;
  margin:1.5rem 0 2rem;
}
.apr-fact{
  background:#fff;
  border:1px solid var(--line);
  border-top:3px solid var(--gold);
  border-radius:var(--r-md);
  padding:1.1rem 1rem;
  text-align:center;
  transition:transform .15s, box-shadow .15s;
}
.apr-fact:hover{
  transform:translateY(-2px);
  box-shadow:0 4px 12px rgba(184,137,58,.12);
}
.fact-num{
  display:block;
  font-family:'Cormorant Garamond',Georgia,serif;
  font-size:1.9rem;
  color:var(--moss);
  font-weight:600;
  line-height:1;
  margin-bottom:.4rem;
}
.fact-label{
  display:block;
  font-size:.78rem;
  color:#5a6a60;
  line-height:1.4;
}
@media (max-width:680px){
  .apr-quick-facts{grid-template-columns:repeat(2,1fr)}
}

/* ===== Hero Panda Mascot + Bamboo (left side) ===== */
.hero{position:relative;overflow:hidden}

.hero-bamboo-decor{
  position:absolute;
  bottom:0;
  left:0;
  width:240px;
  height:100%;
  opacity:.15;
  pointer-events:none;
  transform:scaleX(-1);
  z-index:1;
}

.hero-panda-mascot{
  position:absolute;
  left:32px;
  top:32px;
  width:130px;
  height:130px;
  z-index:3;
  filter:drop-shadow(0 4px 12px rgba(0,0,0,.25));
  pointer-events:none;
}

.hero-grid,
.hero-text{
  position:relative;
  z-index:2;
}

/* Push hero text right to clear panda area on desktop */
@media (min-width:881px){
  .hero-text{
    padding-left:170px;
  }
}

/* Tablet — smaller panda, less padding */
@media (max-width:880px) and (min-width:681px){
  .hero-panda-mascot{
    width:100px;
    height:100px;
    left:20px;
    top:20px;
  }
  .hero-bamboo-decor{
    width:160px;
    opacity:.12;
  }
  .hero-text{
    padding-left:130px;
  }
}

/* Mobile — hide bamboo, shrink panda, reset padding */
@media (max-width:680px){
  .hero-panda-mascot{
    width:70px;
    height:70px;
    left:16px;
    top:16px;
  }
  .hero-bamboo-decor{
    display:none;
  }
  .hero-text{
    padding-left:0;
    padding-top:60px;
  }
}

/* page-hero variant — same mascot styling for inner pages */
.page-hero{position:relative;overflow:hidden}
.page-hero .hero-bamboo-decor,
.page-hero .hero-panda-mascot{
  /* inherit from .hero-bamboo-decor and .hero-panda-mascot positioning */
}

/* On inner pages, push container content right to clear panda area */
@media (min-width:881px){
  .page-hero .container,
  .page-hero .narrow{
    padding-left:200px;
  }
}

@media (max-width:880px) and (min-width:681px){
  .page-hero .container,
  .page-hero .narrow{
    padding-left:130px;
  }
}

@media (max-width:680px){
  .page-hero .container,
  .page-hero .narrow{
    padding-left:1.5rem;
    padding-top:60px;
  }
}

/* ===== Product cards with Unsplash images ===== */
.product-card-with-image{
  padding:0 !important;
  overflow:hidden;
  display:flex;
  flex-direction:column;
}
.product-card-with-image .card-img-wrapper{
  width:100%;
  height:180px;
  overflow:hidden;
  background:#f5f0e6;
  position:relative;
}
.product-card-with-image .card-img{
  width:100%;
  height:100%;
  object-fit:cover;
  display:block;
  transition:transform 0.4s ease;
}
.product-card-with-image:hover .card-img{
  transform:scale(1.05);
}
.product-card-with-image h3{
  padding:1.2rem 1.5rem 0.5rem;
  margin:0;
  font-size:1.25rem;
}
.product-card-with-image p{
  padding:0 1.5rem 1.5rem;
  margin:0;
  flex:1;
  color:#3a4a40;
  line-height:1.55;
  font-size:0.95rem;
}

/* Add subtle bottom border accent on hover */
.product-card-with-image{
  border:1px solid var(--gold-light);
  background:#fff;
  border-radius:8px;
  transition:box-shadow 0.3s ease, transform 0.3s ease;
}
.product-card-with-image:hover{
  box-shadow:0 8px 24px rgba(26,48,38,0.12);
  transform:translateY(-3px);
}

/* Mobile responsive */
@media (max-width:680px){
  .product-card-with-image .card-img-wrapper{
    height:140px;
  }
  .product-card-with-image h3{
    padding:1rem 1.2rem 0.4rem;
    font-size:1.1rem;
  }
  .product-card-with-image p{
    padding:0 1.2rem 1.2rem;
  }
}


/* ============================================
   ELIGIBILITY SECTION — Premium Framed Layout
   ============================================ */
.eligibility-section{
  padding:4rem 0;
}

.eligibility-grid{
  display:grid;
  grid-template-columns:1.1fr 1fr;
  gap:1.75rem;
  margin:2rem 0;
}

.eligibility-card{
  background:#fff;
  border:1px solid var(--gold-light);
  border-radius:12px;
  padding:2rem;
  box-shadow:0 4px 16px rgba(26,48,38,0.06);
  transition:box-shadow 0.3s ease, transform 0.3s ease;
}
.eligibility-card:hover{
  box-shadow:0 8px 28px rgba(26,48,38,0.12);
  transform:translateY(-2px);
}

.eligibility-card-header{
  display:flex;
  align-items:center;
  gap:0.85rem;
  padding-bottom:1.25rem;
  margin-bottom:1.5rem;
  border-bottom:1px solid #ede4cf;
  position:relative;
}
.eligibility-card-header h3{
  margin:0;
  font-family:'Cormorant Garamond','Playfair Display',Georgia,serif;
  font-size:1.45rem;
  font-weight:600;
  color:#1f3a2c;
  line-height:1.2;
  flex:1;
}
.eligibility-card-meta{
  font-size:0.72rem;
  letter-spacing:0.1em;
  text-transform:uppercase;
  color:var(--gold);
  font-weight:600;
}

.eligibility-icon{
  width:44px;
  height:44px;
  border-radius:50%;
  display:flex;
  align-items:center;
  justify-content:center;
  font-size:1.4rem;
  font-weight:700;
  background:#2d5a3d;
  color:#fff8ed;
  flex-shrink:0;
}
.eligibility-icon-soft{
  background:var(--gold);
  color:#fff;
}

/* Hard requirements list */
.eligibility-list{
  list-style:none;
  padding:0;
  margin:0;
  display:flex;
  flex-direction:column;
  gap:0.85rem;
}
.eligibility-list li{
  display:flex;
  align-items:flex-start;
  gap:0.9rem;
  padding:0.7rem 0.9rem;
  background:#faf6ee;
  border-radius:8px;
  border-left:3px solid var(--moss);
}
.eligibility-list-num{
  font-family:'Cormorant Garamond',serif;
  font-size:0.95rem;
  font-weight:600;
  color:var(--gold);
  background:#fff;
  width:30px;
  height:30px;
  border-radius:50%;
  display:flex;
  align-items:center;
  justify-content:center;
  flex-shrink:0;
  border:1px solid var(--gold-light);
}
.eligibility-list li > div{
  flex:1;
  min-width:0;
}
.eligibility-list strong{
  display:block;
  font-size:0.95rem;
  color:#1f3a2c;
  margin-bottom:0.15rem;
  font-weight:600;
}
.eligibility-list span{
  display:block;
  font-size:0.85rem;
  color:#5a6b5a;
  line-height:1.4;
}

/* Soft factors grid */
.eligibility-factors{
  display:flex;
  flex-direction:column;
  gap:0.9rem;
}
.eligibility-factor{
  display:flex;
  justify-content:space-between;
  align-items:center;
  gap:1rem;
  padding:1rem 1.1rem;
  background:#fff8ed;
  border:1px solid #ede4cf;
  border-radius:8px;
  transition:background 0.2s ease;
}
.eligibility-factor:hover{
  background:#faf0db;
}
.eligibility-factor-label{
  font-size:0.92rem;
  font-weight:600;
  color:#5a4a30;
  flex-shrink:0;
}
.eligibility-factor-value{
  text-align:right;
  font-size:0.95rem;
  font-weight:600;
  color:#1f3a2c;
}
.eligibility-factor-value span{
  display:block;
  font-size:0.78rem;
  font-weight:400;
  color:#7a8a7a;
  margin-top:0.15rem;
}

/* Income tier thresholds */
.income-thresholds{
  background:#fff;
  border:1px solid var(--gold-light);
  border-radius:12px;
  padding:2rem;
  margin:2rem 0;
  box-shadow:0 4px 16px rgba(26,48,38,0.06);
}
.income-thresholds-header{
  text-align:center;
  margin-bottom:1.75rem;
  padding-bottom:1.25rem;
  border-bottom:1px solid #ede4cf;
}
.eligibility-eyebrow{
  display:block;
  font-size:0.72rem;
  letter-spacing:0.18em;
  text-transform:uppercase;
  color:var(--gold);
  font-weight:600;
  margin-bottom:0.5rem;
}
.income-thresholds-header h3{
  margin:0;
  font-family:'Cormorant Garamond',serif;
  font-size:1.5rem;
  font-weight:600;
  color:#1f3a2c;
}

.income-tier-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:1rem;
}
.income-tier{
  text-align:center;
  padding:1.25rem 0.85rem;
  background:linear-gradient(180deg,#faf6ee 0%,#fff 100%);
  border:1px solid #ede4cf;
  border-radius:10px;
  transition:transform 0.3s ease, border-color 0.3s ease;
}
.income-tier:hover{
  transform:translateY(-3px);
  border-color:var(--gold);
}
.income-tier-amount{
  font-family:'Cormorant Garamond',serif;
  font-size:1.1rem;
  font-weight:600;
  color:#1f3a2c;
  margin-bottom:0.75rem;
}
.income-tier-divider{
  width:30px;
  height:2px;
  background:var(--gold);
  margin:0 auto 0.75rem;
}
.income-tier-income{
  font-size:1.05rem;
  font-weight:700;
  color:var(--moss);
  letter-spacing:-0.01em;
}
.income-tier-income span{
  display:block;
  font-size:0.72rem;
  font-weight:400;
  color:#7a8a7a;
  letter-spacing:0.05em;
  text-transform:uppercase;
  margin-top:0.3rem;
}

/* Callout */
.eligibility-callout{
  display:flex;
  align-items:flex-start;
  gap:1.25rem;
  padding:1.5rem 1.75rem;
  background:#1f3a2c;
  color:#faf6ee;
  border-radius:10px;
  margin-top:2rem;
  border-left:5px solid var(--gold);
}
.eligibility-callout-icon{
  width:36px;
  height:36px;
  border-radius:50%;
  background:var(--gold);
  color:#1f3a2c;
  font-family:'Cormorant Garamond',serif;
  font-weight:700;
  font-size:1.2rem;
  display:flex;
  align-items:center;
  justify-content:center;
  flex-shrink:0;
}
.eligibility-callout strong{
  display:block;
  font-family:'Cormorant Garamond',serif;
  font-size:1.2rem;
  font-weight:600;
  color:#fff;
  margin-bottom:0.4rem;
}
.eligibility-callout p{
  margin:0;
  font-size:0.95rem;
  line-height:1.6;
  color:#d4d1c0;
}
.eligibility-callout a{
  color:#d4a651;
  text-decoration:none;
  border-bottom:1px solid rgba(212,166,81,0.4);
  font-weight:600;
}
.eligibility-callout a:hover{
  color:#fff;
  border-bottom-color:#fff;
}

/* ===== Mobile responsive ===== */
@media (max-width:880px){
  .eligibility-grid{
    grid-template-columns:1fr;
    gap:1.25rem;
  }
  .eligibility-card{
    padding:1.5rem;
  }
  .income-tier-grid{
    grid-template-columns:repeat(2,1fr);
  }
  .income-thresholds{
    padding:1.5rem;
  }
}
@media (max-width:520px){
  .income-tier-grid{
    grid-template-columns:1fr;
  }
  .eligibility-factor{
    flex-direction:column;
    align-items:flex-start;
    gap:0.4rem;
  }
  .eligibility-factor-value{
    text-align:left;
  }
  .eligibility-callout{
    flex-direction:column;
    gap:1rem;
    padding:1.25rem;
  }
}