/* ===== DIRECT CASH LENDER — SHARED STYLES ===== */
:root {
  --black: #0a0a0a;
  --near-black: #111827;
  --white: #ffffff;
  --gray-50: #f9fafb;
  --gray-100: #f3f4f6;
  --gray-200: #e5e7eb;
  --gray-400: #9ca3af;
  --gray-600: #4b5563;
  --green: #16a34a;
  --green-dark: #15803d;
  --green-hover: #166534;
  --green-light: #dcfce7;
  --green-50: #f0fdf4;
  --text: #111827;
  --text-muted: #6b7280;
  --radius: 8px;
  --shadow: 0 1px 3px rgba(0,0,0,.10), 0 1px 2px rgba(0,0,0,.06);
  --shadow-md: 0 4px 6px rgba(0,0,0,.07), 0 2px 4px rgba(0,0,0,.06);
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif; font-size: 16px; line-height: 1.65; color: var(--text); background: var(--white); }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--green); text-decoration: none; }
a:hover { text-decoration: underline; color: var(--green-dark); }
ul, ol { padding-left: 1.4em; }
li { margin-bottom: .35em; }

/* Skip link */
.skip-link { position: absolute; left: -9999px; top: auto; width: 1px; height: 1px; overflow: hidden; }
.skip-link:focus { position: static; width: auto; height: auto; padding: .5rem 1rem; background: var(--green); color: #fff; z-index: 9999; }

/* ===== NAVIGATION ===== */
.site-nav { position: sticky; top: 0; z-index: 2147483000; isolation: isolate; background: var(--black); border-bottom: 1px solid #1a1a1a; }
.nav-inner { max-width: 1240px; margin: 0 auto; padding: 0 24px; display: flex; align-items: center; height: 64px; gap: 0; }
.nav-logo { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--white); flex-shrink: 0; }
.nav-logo img { width: 32px; height: 32px; border-radius: 6px; }
.nav-logo-text { font-size: 17px; font-weight: 700; letter-spacing: -.3px; color: var(--white); white-space: nowrap; }
.nav-logo-text span { color: var(--green); }
.nav-links { display: flex; align-items: center; gap: 2px; margin-left: 28px; }
.nav-item { position: relative; }
.nav-link { display: flex; align-items: center; gap: 4px; padding: 8px 12px; color: #e5e7eb; font-size: 14px; font-weight: 500; border-radius: 6px; cursor: pointer; background: none; border: none; white-space: nowrap; transition: background .15s, color .15s; text-decoration: none; }
.nav-link:hover, .nav-link:focus-visible { background: rgba(255,255,255,.08); color: var(--white); text-decoration: none; }
.nav-link svg { width: 14px; height: 14px; transition: transform .2s; }
.nav-item:focus-within .nav-link svg, .nav-item.open .nav-link svg { transform: rotate(180deg); }
.nav-spacer { flex: 1; }
.nav-apply { margin-left: 0; flex-shrink: 0; background: var(--green); color: #fff; padding: 9px 20px; border-radius: 6px; font-size: 14px; font-weight: 700; white-space: nowrap; transition: background .15s; text-decoration: none; }
.nav-apply:hover { background: var(--green-dark); color: #fff; text-decoration: none; }
/* Dropdown */
.nav-dropdown { position: absolute; top: calc(100% + 4px); left: 0; background: var(--white); border: 1px solid var(--gray-200); border-radius: var(--radius); box-shadow: var(--shadow-md); min-width: 220px; padding: 6px; z-index: 1000; opacity: 0; visibility: hidden; transform: translateY(-6px); transition: opacity .18s, visibility .18s, transform .18s; }
.nav-item:focus-within .nav-dropdown, .nav-item.open .nav-dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.nav-dropdown a { display: block; padding: 9px 14px; font-size: 14px; color: var(--near-black); border-radius: 5px; transition: background .12s; text-decoration: none; }
.nav-dropdown a:hover { background: var(--green-50); color: var(--green-dark); }
/* Mobile nav */
.nav-mobile-toggle { display: none; background: none; border: none; color: #fff; cursor: pointer; padding: 8px; margin-left: auto; }
@media (max-width: 900px) {
  .nav-links { display: none; }
  .nav-mobile-toggle { display: flex; }
  .nav-apply { display: none; }
  .nav-mobile-open .nav-links { display: flex; flex-direction: column; position: absolute; top: 64px; left: 0; right: 0; background: var(--black); padding: 12px 16px 20px; z-index: 999; gap: 2px; }
  .nav-mobile-open .nav-apply { display: block; margin: 8px 16px 0; }
  .nav-mobile-open .nav-dropdown { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: none; background: rgba(255,255,255,.06); border-radius: 6px; }
  .nav-mobile-open .nav-dropdown a { color: #e5e7eb; }
  .nav-mobile-open .nav-dropdown a:hover { background: rgba(255,255,255,.08); color: #fff; }
}

/* ===== HERO ===== */
.hero { position: relative; overflow: hidden; background: var(--near-black); }
.hero-img { width: 100%; height: 480px; object-fit: cover; object-position: center; opacity: .55; }
.hero-overlay { position: absolute; inset: 0; display: flex; flex-direction: column; align-items: center; justify-content: center; text-align: center; padding: 24px; }
.hero-badge { display: inline-block; background: var(--green); color: #fff; font-size: 12px; font-weight: 700; padding: 4px 14px; border-radius: 20px; margin-bottom: 16px; letter-spacing: .04em; }
.hero-title { font-size: clamp(28px, 5vw, 52px); font-weight: 800; color: #fff; line-height: 1.15; max-width: 780px; margin-bottom: 16px; letter-spacing: -.5px; }
.hero-subtitle { font-size: clamp(16px, 2vw, 20px); color: #e5e7eb; max-width: 560px; margin-bottom: 28px; }
.hero-actions { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }
.btn-primary { display: inline-block; background: var(--green); color: #fff; padding: 13px 28px; border-radius: 7px; font-size: 16px; font-weight: 700; transition: background .15s; text-decoration: none; }
.btn-primary:hover { background: var(--green-dark); color: #fff; text-decoration: none; }
.btn-secondary { display: inline-block; background: rgba(255,255,255,.15); color: #fff; padding: 13px 28px; border-radius: 7px; font-size: 16px; font-weight: 600; border: 1px solid rgba(255,255,255,.35); transition: background .15s; text-decoration: none; }
.btn-secondary:hover { background: rgba(255,255,255,.25); color: #fff; text-decoration: none; }
.btn-green { display: inline-block; background: var(--green); color: #fff; padding: 11px 24px; border-radius: 7px; font-size: 15px; font-weight: 700; transition: background .15s; text-decoration: none; }
.btn-green:hover { background: var(--green-dark); color: #fff; text-decoration: none; }
.btn-dark { display: inline-block; background: var(--near-black); color: #fff; padding: 11px 24px; border-radius: 7px; font-size: 15px; font-weight: 700; transition: background .15s; text-decoration: none; }
.btn-dark:hover { background: #000; color: #fff; text-decoration: none; }

/* ===== BREADCRUMB ===== */
.breadcrumb-wrap { background: var(--gray-100); border-bottom: 1px solid var(--gray-200); padding: 10px 24px; }
.breadcrumb { max-width: 1240px; margin: 0 auto; font-size: 13px; color: var(--text-muted); display: flex; gap: 6px; flex-wrap: wrap; align-items: center; }
.breadcrumb a { color: var(--green); }
.breadcrumb .sep { color: var(--gray-400); }

/* ===== LAYOUT ===== */
.section { padding: 64px 24px; }
.section-alt { background: var(--gray-50); }
.section-dark { background: var(--near-black); color: #fff; }
.container { max-width: 1240px; margin: 0 auto; }
.section-title { font-size: clamp(22px, 3vw, 32px); font-weight: 800; color: var(--near-black); margin-bottom: 12px; letter-spacing: -.3px; }
.section-sub { font-size: 17px; color: var(--text-muted); max-width: 600px; }
.section-head { margin-bottom: 40px; }
/* Two-column layout with sidebar */
.content-layout { display: grid; grid-template-columns: 1fr 340px; gap: 40px; max-width: 1240px; margin: 0 auto; padding: 48px 24px; }
@media (max-width: 1024px) { .content-layout { grid-template-columns: 1fr; padding: 32px 16px; } }
.article-body h2 { font-size: 22px; font-weight: 700; color: var(--near-black); margin: 2em 0 .7em; border-left: 4px solid var(--green); padding-left: 14px; }
.article-body h3 { font-size: 18px; font-weight: 700; color: var(--near-black); margin: 1.6em 0 .6em; }
.article-body p { margin-bottom: 1.1em; line-height: 1.75; max-width: 72ch; }
.article-body ul, .article-body ol { margin: .6em 0 1.1em; }
.article-body table { width: 100%; border-collapse: collapse; margin: 1.5em 0; font-size: 14px; }
.article-body th { background: var(--near-black); color: #fff; padding: 10px 14px; text-align: left; font-size: 13px; }
.article-body td { border: 1px solid var(--gray-200); padding: 10px 14px; }
.article-body tr:nth-child(even) td { background: var(--gray-50); }
.article-img { width: 100%; border-radius: var(--radius); margin: 1.5em 0; }
.article-img-vert { max-width: 320px; float: right; margin: 0 0 1em 1.5em; border-radius: var(--radius); }
@media (max-width: 600px) { .article-img-vert { float: none; max-width: 100%; margin: 1em 0; } }

/* TOC */
.toc-box { background: var(--gray-50); border: 1px solid var(--gray-200); border-radius: var(--radius); padding: 20px 22px; margin-bottom: 2em; }
.toc-box h4 { font-size: 13px; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--text-muted); margin-bottom: 10px; }
.toc-box ol { padding-left: 1.2em; }
.toc-box li { margin-bottom: .3em; }
.toc-box a { font-size: 14px; color: var(--green); }

/* ===== CARDS ===== */
.card { background: var(--white); border: 1px solid var(--gray-200); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); transition: box-shadow .2s, transform .2s; }
.card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.card-img { width: 100%; height: 200px; object-fit: cover; }
.card-body { padding: 20px; }
.card-title { font-size: 17px; font-weight: 700; margin-bottom: 8px; color: var(--near-black); }
.card-title a { color: var(--near-black); }
.card-title a:hover { color: var(--green); text-decoration: none; }
.card-text { font-size: 14px; color: var(--text-muted); line-height: 1.6; }
/* Grid */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
@media (max-width: 960px) { .grid-3 { grid-template-columns: repeat(2, 1fr); } .grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .grid-3, .grid-2, .grid-4 { grid-template-columns: 1fr; } }

/* Loan category cards */
.loan-card { background: var(--white); border: 1px solid var(--gray-200); border-radius: 10px; overflow: hidden; box-shadow: var(--shadow); }
.loan-card-img { width: 100%; height: 200px; object-fit: cover; display: block; }
.loan-card-body { padding: 22px; }
.loan-card-title { font-size: 18px; font-weight: 700; margin-bottom: 8px; color: var(--near-black); }
.loan-card-title a { color: var(--near-black); }
.loan-card-title a:hover { color: var(--green); text-decoration: none; }
.loan-card-meta { display: flex; gap: 16px; margin-bottom: 12px; }
.loan-card-meta span { font-size: 13px; color: var(--text-muted); }
.loan-card-meta strong { color: var(--near-black); }

/* ===== SIDEBAR ===== */
.sidebar { display: flex; flex-direction: column; gap: 20px; }
.sbox { background: var(--white); border: 1px solid var(--gray-200); border-radius: var(--radius); padding: 20px; box-shadow: var(--shadow); }
.sbox h3 { font-size: 15px; font-weight: 700; margin-bottom: 12px; color: var(--near-black); border-bottom: 2px solid var(--green); padding-bottom: 8px; }
.sbox-green { background: var(--green-50); border-color: var(--green); }
.sbox-dark { background: var(--near-black); color: #fff; }
.sbox-dark h3 { color: #fff; border-color: var(--green); }
.sbox p { font-size: 14px; color: var(--text-muted); line-height: 1.6; }
.sbox ul { padding-left: 1.2em; }
.sbox li { font-size: 14px; color: var(--text-muted); margin-bottom: .4em; }
.sbox .sbox-apply-btn { display: block; background: var(--green); color: #fff; text-align: center; padding: 12px; border-radius: 6px; font-weight: 700; margin-top: 12px; font-size: 15px; text-decoration: none; }
.sbox .sbox-apply-btn:hover { background: var(--green-dark); text-decoration: none; }
.sbox-stat { text-align: center; padding: 16px; }
.sbox-stat .big { font-size: 32px; font-weight: 800; color: var(--green); }
.sbox-stat .label { font-size: 13px; color: var(--text-muted); }
.sbox-faq dt { font-size: 14px; font-weight: 600; color: var(--near-black); margin-bottom: .3em; }
.sbox-faq dd { font-size: 13px; color: var(--text-muted); margin-bottom: 1em; padding-left: 0; }
.step-list { list-style: none; padding: 0; counter-reset: steps; }
.step-list li { counter-increment: steps; display: flex; gap: 10px; margin-bottom: 12px; font-size: 14px; color: var(--text-muted); }
.step-list li::before { content: counter(steps); display: inline-flex; align-items: center; justify-content: center; width: 22px; height: 22px; background: var(--green); color: #fff; border-radius: 50%; font-size: 12px; font-weight: 700; flex-shrink: 0; margin-top: 1px; }

/* ===== STARS / REVIEWS ===== */
.stars { color: #f59e0b; font-size: 18px; letter-spacing: 2px; }
.review-card { background: var(--white); border: 1px solid var(--gray-200); border-radius: var(--radius); padding: 22px; box-shadow: var(--shadow); }
.review-card .quote { font-size: 15px; color: var(--text); line-height: 1.7; font-style: italic; margin-bottom: 12px; }
.review-card .reviewer { font-size: 13px; font-weight: 600; color: var(--text-muted); }

/* ===== CTA ZONE ===== */
.cta-zone { background: var(--near-black); padding: 72px 24px; text-align: center; }
.cta-zone img { width: 100%; height: 300px; object-fit: cover; position: absolute; inset: 0; opacity: .2; }
.cta-zone-inner { max-width: 700px; margin: 0 auto; position: relative; z-index: 1; }
.cta-zone h2 { font-size: clamp(24px, 4vw, 38px); font-weight: 800; color: #fff; margin-bottom: 14px; }
.cta-zone p { font-size: 18px; color: #d1d5db; margin-bottom: 28px; }
.cta-zone .cta-actions { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }

/* ===== FORM EMBED ===== */
.form-wrap {
  position: relative;
  z-index: 1;
  isolation: isolate;
  padding: 32px;
  max-width: 860px;
  margin: 0 auto;
  background: #ffffff;
  border: 1px solid #e5e7eb;
  border-radius: 14px;
  box-shadow:
    0 4px 6px rgba(0,0,0,.04),
    0 10px 30px rgba(0,0,0,.09),
    0 20px 60px rgba(0,0,0,.07);
}

/* ===== FAQ ===== */
.faq-item { border-bottom: 1px solid var(--gray-200); }
.faq-question { font-size: 17px; font-weight: 600; cursor: pointer; padding: 20px 0; display: flex; justify-content: space-between; align-items: center; color: var(--near-black); background: none; border: none; width: 100%; text-align: left; }
.faq-question:hover { color: var(--green); }
.faq-question svg { flex-shrink: 0; width: 20px; height: 20px; transition: transform .25s; }
.faq-item.open .faq-question svg { transform: rotate(180deg); }
.faq-answer { font-size: 15px; color: var(--text-muted); padding-bottom: 20px; line-height: 1.75; display: none; }
.faq-item.open .faq-answer { display: block; }

/* ===== MINI-FAQ ===== */
.mini-faq { background: var(--gray-50); border: 1px solid var(--gray-200); border-radius: var(--radius); padding: 24px; margin-top: 2em; }
.mini-faq h3 { font-size: 18px; font-weight: 700; margin-bottom: 16px; }
.mini-faq-item { margin-bottom: 16px; }
.mini-faq-q { font-size: 15px; font-weight: 600; color: var(--near-black); margin-bottom: 6px; }
.mini-faq-a { font-size: 14px; color: var(--text-muted); line-height: 1.65; }

/* ===== BLOG ===== */
.blog-card img { height: 220px; object-fit: cover; width: 100%; }
.blog-card-body { padding: 20px; }
.blog-cat-tag { font-size: 11px; font-weight: 700; letter-spacing: .05em; color: var(--green); text-transform: uppercase; margin-bottom: 8px; }
.blog-title { font-size: 17px; font-weight: 700; color: var(--near-black); margin-bottom: 8px; line-height: 1.35; }
.blog-title a { color: inherit; }
.blog-title a:hover { color: var(--green); text-decoration: none; }
.blog-excerpt { font-size: 14px; color: var(--text-muted); margin-bottom: 14px; }
.blog-meta { font-size: 12px; color: var(--text-muted); }
.post-hero { width: 100%; height: 340px; object-fit: cover; border-radius: var(--radius); margin-bottom: 2em; }
.post-meta { display: flex; gap: 16px; flex-wrap: wrap; font-size: 13px; color: var(--text-muted); margin-bottom: 1.5em; padding-bottom: 1em; border-bottom: 1px solid var(--gray-200); }
.share-buttons { display: flex; gap: 8px; margin: 2em 0; }
.share-btn { display: inline-flex; align-items: center; gap: 6px; padding: 8px 14px; border-radius: 6px; font-size: 13px; font-weight: 600; text-decoration: none; }
.share-btn-twitter { background: #000; color: #fff; }
.share-btn-facebook { background: #1877f2; color: #fff; }
.share-btn-linkedin { background: #0a66c2; color: #fff; }
.share-btn:hover { opacity: .85; text-decoration: none; }
.related-posts { margin-top: 2.5em; }
.related-posts h3 { font-size: 18px; font-weight: 700; margin-bottom: 16px; border-left: 4px solid var(--green); padding-left: 12px; }
.author-box { background: var(--gray-50); border: 1px solid var(--gray-200); border-radius: var(--radius); padding: 20px; margin-top: 2em; }
.author-name { font-size: 16px; font-weight: 700; }
.author-title { font-size: 13px; color: var(--green); margin-bottom: 8px; }
.author-bio { font-size: 14px; color: var(--text-muted); line-height: 1.65; }

/* ===== FOOTER ===== */
.site-footer { background: var(--black); color: #d1d5db; padding: 60px 24px 0; }
.footer-inner { max-width: 1240px; margin: 0 auto; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 40px; }
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer-grid { grid-template-columns: 1fr; } }
.footer-brand .brand-name { font-size: 19px; font-weight: 800; color: #fff; margin-bottom: 10px; }
.footer-brand .brand-name span { color: var(--green); }
.footer-brand p { font-size: 13.5px; line-height: 1.7; color: #9ca3af; max-width: 300px; }
.footer-col h4 { font-size: 13px; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: #fff; margin-bottom: 14px; }
.footer-col ul { list-style: none; padding: 0; }
.footer-col li { margin-bottom: 8px; }
.footer-col a { font-size: 13.5px; color: #9ca3af; text-decoration: none; transition: color .15s; }
.footer-col a:hover { color: var(--green); }
.footer-contact p { font-size: 13.5px; color: #9ca3af; margin-bottom: 6px; }
.footer-contact a { color: #9ca3af; }
.footer-contact a:hover { color: var(--green); }
.footer-bottom { border-top: 1px solid #1f2937; padding: 24px 0; }
.footer-bottom-inner { display: flex; align-items: flex-start; gap: 20px; flex-wrap: wrap; justify-content: space-between; }
.footer-copy { font-size: 12.5px; color: #6b7280; line-height: 1.6; max-width: 760px; }
.footer-links { display: flex; gap: 16px; flex-shrink: 0; }
.footer-links a { font-size: 12.5px; color: #6b7280; text-decoration: none; white-space: nowrap; }
.footer-links a:hover { color: var(--green); }

/* ===== SCROLL TO TOP ===== */
.scroll-top { position: fixed; bottom: 28px; right: 24px; background: var(--green); color: #fff; width: 42px; height: 42px; border-radius: 50%; display: none; align-items: center; justify-content: center; cursor: pointer; border: none; box-shadow: 0 4px 12px rgba(22,163,74,.4); z-index: 500; transition: background .15s; }
.scroll-top:hover { background: var(--green-dark); }
.scroll-top svg { width: 18px; height: 18px; }
.scroll-top.visible { display: flex; }

/* ===== STATS BAR ===== */
.stats-bar { background: var(--green); padding: 16px 24px; }
.stats-bar-inner { max-width: 1240px; margin: 0 auto; display: flex; gap: 32px; justify-content: center; flex-wrap: wrap; }
.stat-item { text-align: center; color: #fff; }
.stat-item .val { font-size: 22px; font-weight: 800; display: block; }
.stat-item .lbl { font-size: 12px; opacity: .85; }

/* ===== TRUST BADGES ===== */
.trust-row { display: flex; gap: 24px; justify-content: center; flex-wrap: wrap; margin-top: 32px; }
.trust-item { display: flex; align-items: center; gap: 8px; font-size: 13.5px; color: #9ca3af; }
.trust-item svg { color: var(--green); width: 18px; height: 18px; flex-shrink: 0; }

/* ===== LENDER TABLE ===== */
.lender-table { width: 100%; border-collapse: collapse; font-size: 14px; }
.lender-table th { background: var(--near-black); color: #fff; padding: 12px 14px; text-align: left; font-size: 13px; white-space: nowrap; }
.lender-table td { border: 1px solid var(--gray-200); padding: 12px 14px; vertical-align: top; }
.lender-table tr:nth-child(even) td { background: var(--gray-50); }
.lender-table tr:hover td { background: var(--green-50); }
.lender-name { font-weight: 700; color: var(--near-black); }

/* ===== CALCULATOR ===== */
.calc-widget { background: var(--white); border: 1px solid var(--gray-200); border-radius: 10px; padding: 28px; box-shadow: var(--shadow-md); max-width: 640px; }
.calc-group { margin-bottom: 20px; }
.calc-group label { display: block; font-size: 14px; font-weight: 600; margin-bottom: 8px; color: var(--near-black); }
.calc-group input[type=range] { width: 100%; accent-color: var(--green); }
.calc-val { font-size: 22px; font-weight: 800; color: var(--green); }
.calc-result { background: var(--green-50); border: 1px solid var(--green); border-radius: var(--radius); padding: 20px; margin-top: 20px; text-align: center; }
.calc-result .payment { font-size: 36px; font-weight: 800; color: var(--green); }
.calc-result .note { font-size: 13px; color: var(--text-muted); margin-top: 6px; }
.calc-table { width: 100%; border-collapse: collapse; margin-top: 14px; font-size: 13px; }
.calc-table td { border: 1px solid var(--gray-200); padding: 8px 12px; }
.calc-table tr:first-child td { background: var(--near-black); color: #fff; font-weight: 600; }

/* ===== GLOSSARY ===== */
.gloss-letter { font-size: 28px; font-weight: 800; color: var(--green); margin: 2em 0 .5em; }
.gloss-term { border-bottom: 1px solid var(--gray-200); padding: 14px 0; }
.gloss-term dt { font-size: 17px; font-weight: 700; color: var(--near-black); margin-bottom: 6px; }
.gloss-term dd { font-size: 15px; color: var(--text-muted); line-height: 1.7; margin: 0; padding: 0; }

/* ===== ELIGIBILITY / RATES ===== */
.info-card { background: var(--white); border-left: 4px solid var(--green); border-radius: 0 var(--radius) var(--radius) 0; padding: 18px 20px; margin-bottom: 16px; box-shadow: var(--shadow); }
.info-card h3 { font-size: 16px; font-weight: 700; color: var(--near-black); margin-bottom: 6px; }
.info-card p { font-size: 14px; color: var(--text-muted); }
.req-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
@media (max-width: 600px) { .req-grid { grid-template-columns: 1fr; } }
.req-card { background: var(--gray-50); border: 1px solid var(--gray-200); border-radius: var(--radius); padding: 18px; }
.req-card h4 { font-size: 15px; font-weight: 700; color: var(--near-black); margin-bottom: 8px; display: flex; align-items: center; gap: 8px; }
.req-card h4 svg { color: var(--green); width: 18px; height: 18px; }

/* ===== UTILITIES ===== */
.text-green { color: var(--green); }
.text-muted { color: var(--text-muted); }
.font-bold { font-weight: 700; }
.mt-1 { margin-top: .5rem; }
.mt-2 { margin-top: 1rem; }
.mt-3 { margin-top: 1.5rem; }
.mb-1 { margin-bottom: .5rem; }
.mb-2 { margin-bottom: 1rem; }
.clearfix::after { content: ''; display: table; clear: both; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); border: 0; }
.disclosure-text { font-size: 12px; color: var(--text-muted); line-height: 1.6; margin-top: 1em; }
.notice-box { background: #fffbeb; border: 1px solid #fde68a; border-radius: var(--radius); padding: 14px 18px; font-size: 14px; color: #92400e; margin-bottom: 1.5em; }
</CSSEOF
echo "CSS file created: $(wc -c < /home/claude/site/shared.css) bytes"
/* ===== VISUAL ENHANCEMENTS ===== */

/* Smoother base */
body { -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; }

/* Better hero with gradient overlay */
.hero-overlay {
  background: linear-gradient(135deg, rgba(0,0,0,.65) 0%, rgba(0,0,0,.35) 100%);
}
.hero-img { transition: transform 8s ease; }

/* Stats bar shimmer */
.stats-bar { background: linear-gradient(90deg, #15803d 0%, #16a34a 50%, #15803d 100%); }
.stat-item .val { text-shadow: 0 1px 3px rgba(0,0,0,.2); }

/* Refined nav */
.nav-logo-text { font-size: 18px; letter-spacing: -.4px; }
.nav-apply { letter-spacing: .02em; box-shadow: 0 2px 8px rgba(22,163,74,.35); }
.nav-apply:hover { box-shadow: 0 4px 16px rgba(22,163,74,.45); transform: translateY(-1px); }

/* Card polish */
.card, .loan-card, .review-card {
  transition: box-shadow .22s ease, transform .22s ease;
}
.card:hover, .loan-card:hover {
  box-shadow: 0 8px 32px rgba(0,0,0,.12), 0 2px 6px rgba(0,0,0,.07);
  transform: translateY(-3px);
}
.card-img, .loan-card-img, .blog-card img { transition: opacity .2s; }

/* Section dividers */
.section + .section { border-top: 1px solid var(--gray-200); }
.section-alt + .section { border-top: none; }

/* Article body improvements */
.article-body h2 {
  border-left-width: 5px;
  padding-left: 16px;
  line-height: 1.25;
  letter-spacing: -.2px;
}
.article-body p { letter-spacing: .01em; }
.article-body ul li, .article-body ol li { line-height: 1.7; }

/* Improved table */
.article-body table, .calc-table, .lender-table { border-radius: 8px; overflow: hidden; }
.article-body th, .lender-table th { font-size: 12px; letter-spacing: .05em; }

/* Better sidebar boxes */
.sbox { transition: box-shadow .2s; }
.sbox:hover { box-shadow: 0 4px 20px rgba(0,0,0,.09); }
.sbox h3 { font-size: 14px; letter-spacing: .03em; }
.sbox-green { background: linear-gradient(135deg, #f0fdf4 0%, #dcfce7 100%); }

/* Improved CTA zone */
.cta-zone {
  background: linear-gradient(135deg, #0a0a0a 0%, #111827 60%, #0f1a10 100%);
  position: relative;
}
.cta-zone h2 { text-shadow: 0 2px 8px rgba(0,0,0,.3); }
.cta-zone .btn-primary {
  font-size: 17px;
  padding: 15px 36px;
  box-shadow: 0 4px 20px rgba(22,163,74,.5);
  border-radius: 8px;
}
.cta-zone .btn-primary:hover {
  box-shadow: 0 6px 28px rgba(22,163,74,.65);
  transform: translateY(-2px);
}

/* Better footer */
.site-footer { background: linear-gradient(180deg, #0a0a0a 0%, #050505 100%); }
.footer-col h4 { font-size: 11px; letter-spacing: .08em; }

/* Trust badges improved */
.trust-item { font-size: 13px; }
.trust-item svg { flex-shrink: 0; }

/* Loan tier cards gradient border effect */
.tier-card-featured {
  background: linear-gradient(white, white) padding-box,
              linear-gradient(135deg, #16a34a, #22c55e) border-box;
  border: 2px solid transparent !important;
}

/* Blog post hero */
.post-hero { 
  object-position: center 30%;
  box-shadow: 0 8px 32px rgba(0,0,0,.15);
}

/* Author box improved */
.author-box {
  background: linear-gradient(135deg, #f9fafb 0%, #f0fdf4 100%);
  border-left: 4px solid var(--green);
}
.author-name { color: var(--near-black); }

/* Mini FAQ improved */
.mini-faq { border-left: 4px solid var(--green); border-top: none; border-right: none; border-bottom: none; border-radius: 0 var(--radius) var(--radius) 0; }
.mini-faq-q { color: var(--near-black); }
.mini-faq-q::before { content: "Q "; color: var(--green); font-weight: 800; }

/* Notice box improved */
.notice-box { border-left: 4px solid #f59e0b; background: #fffbeb; }

/* TOC improved */
.toc-box { border-left: 4px solid var(--green); border-radius: 0 var(--radius) var(--radius) 0; }
.toc-box h4 { color: var(--green); }

/* Scroll to top button improved */
.scroll-top { box-shadow: 0 4px 16px rgba(22,163,74,.45); }

/* Mobile improvements */
@media (max-width: 600px) {
  .hero-img { height: 380px !important; object-position: center; }
  .hero-title { font-size: 22px !important; }
  .hero-subtitle { font-size: 15px !important; }
  .stats-bar-inner { gap: 16px; }
  .stat-item .val { font-size: 18px; }
  .content-layout { padding: 24px 16px; gap: 28px; }
  .section { padding: 44px 16px; }
  .cta-zone { padding: 48px 16px; }
  .cta-zone h2 { font-size: 22px; }
  .cta-zone p { font-size: 15px; }
  .footer-grid { gap: 28px; }
  .footer-bottom-inner { flex-direction: column; gap: 12px; }
}

/* Focus states for accessibility */
a:focus-visible, button:focus-visible {
  outline: 3px solid var(--green);
  outline-offset: 2px;
  border-radius: 3px;
}

/* Text balance for headings */
h1, h2, h3, .section-title, .hero-title { text-wrap: balance; }

/* Smooth image loading */
img { background: var(--gray-100); }

/* Better breadcrumb */
.breadcrumb { font-size: 12.5px; }
.breadcrumb .sep { margin: 0 2px; }

/* Step list improved */
.step-list li::before { 
  font-size: 11px;
  font-weight: 800;
  box-shadow: 0 2px 6px rgba(22,163,74,.35);
}

/* Green accent line above sections */
.section-alt .section-title::after {
  content: '';
  display: block;
  width: 48px;
  height: 4px;
  background: var(--green);
  border-radius: 2px;
  margin-top: 10px;
}

/* Lender table row highlight */
.lender-table tbody tr:hover td { transition: background .12s; }

/* Grid gap improvements */
@media (min-width: 960px) {
  .grid-3 { gap: 28px; }
  .grid-2 { gap: 28px; }
}

/* Review card improved */
.review-card { border-top: 3px solid var(--green); }
.review-card .stars { font-size: 16px; }

/* Glossary letter heading */
.gloss-letter { 
  background: var(--near-black);
  color: var(--green);
  display: inline-flex;
  width: 40px;
  height: 40px;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  font-size: 20px;
  margin: 2em 0 .75em;
}

/* ===== VISUAL ENHANCEMENTS v2 ===== */
body { -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; }
.hero-overlay { background: linear-gradient(150deg, rgba(0,0,0,.72) 0%, rgba(0,0,0,.38) 100%); }
.stats-bar { background: linear-gradient(90deg, #166534 0%, #16a34a 50%, #166534 100%); }
.stat-item .val { text-shadow: 0 1px 4px rgba(0,0,0,.2); }
.nav-logo-text { font-size: 18px; letter-spacing: -.4px; }
.nav-apply { letter-spacing: .02em; box-shadow: 0 2px 8px rgba(22,163,74,.35); transition: background .15s, box-shadow .15s, transform .15s; }
.nav-apply:hover { box-shadow: 0 4px 16px rgba(22,163,74,.45); transform: translateY(-1px); }
.card, .loan-card { transition: box-shadow .22s ease, transform .22s ease; }
.card:hover, .loan-card:hover { box-shadow: 0 10px 36px rgba(0,0,0,.13); transform: translateY(-3px); }
.article-body h2 { border-left-width: 5px; padding-left: 16px; line-height: 1.25; letter-spacing: -.2px; }
.article-body p, .article-body li { letter-spacing: .01em; }
.article-body table, .calc-table, .lender-table { border-radius: 8px; overflow: hidden; }
.sbox { transition: box-shadow .2s; }
.sbox:hover { box-shadow: 0 4px 20px rgba(0,0,0,.09); }
.sbox h3 { font-size: 14px; letter-spacing: .03em; }
.sbox-green { background: linear-gradient(135deg, #f0fdf4 0%, #dcfce7 100%); }
.cta-zone { background: linear-gradient(135deg, #0a0a0a 0%, #111827 60%, #0f1a0f 100%); }
.cta-zone h2 { text-shadow: 0 2px 8px rgba(0,0,0,.3); }
.cta-zone .btn-primary { font-size: 17px; padding: 15px 36px; box-shadow: 0 4px 20px rgba(22,163,74,.5); border-radius: 8px; transition: background .15s, box-shadow .15s, transform .15s; }
.cta-zone .btn-primary:hover { box-shadow: 0 6px 28px rgba(22,163,74,.65); transform: translateY(-2px); }
.site-footer { background: linear-gradient(180deg, #0a0a0a 0%, #050505 100%); }
.post-hero { object-position: center 30%; box-shadow: 0 8px 32px rgba(0,0,0,.15); }
.author-box { background: linear-gradient(135deg, #f9fafb 0%, #f0fdf4 100%); border-left: 4px solid var(--green); }
.mini-faq { border-left: 4px solid var(--green); border-radius: 0 var(--radius) var(--radius) 0; border-top: none; border-right: none; border-bottom: none; background: #f0fdf4; }
.mini-faq-q { color: var(--near-black); }
.mini-faq-q::before { content: "Q  "; color: var(--green); font-weight: 800; }
.notice-box { border-left: 4px solid #f59e0b; background: #fffbeb; }
.toc-box { border-left: 4px solid var(--green); border-radius: 0 var(--radius) var(--radius) 0; background: #f0fdf4; }
.toc-box h4 { color: var(--green-dark); }
.scroll-top { box-shadow: 0 4px 16px rgba(22,163,74,.45); }
.review-card { border-top: 3px solid var(--green); }
a:focus-visible, button:focus-visible { outline: 3px solid var(--green); outline-offset: 2px; border-radius: 3px; }
h1, h2, h3, .section-title, .hero-title { text-wrap: balance; }
.gloss-letter { background: var(--near-black); color: var(--green); display: inline-flex; width: 44px; height: 44px; align-items: center; justify-content: center; border-radius: 50%; font-size: 22px; font-weight: 800; margin: 2em 0 .75em; }
.breadcrumb { font-size: 12.5px; }
@media (max-width: 600px) {
  .hero-img { object-position: center; }
  .content-layout { padding: 24px 16px; gap: 28px; }
  .section { padding: 40px 16px; }
  .cta-zone { padding: 48px 16px; }
  .footer-grid { gap: 28px; }
  .footer-bottom-inner { flex-direction: column; gap: 12px; }
}
@media (min-width: 960px) { .grid-3 { gap: 28px; } .grid-2 { gap: 28px; } }