/* ============================================================
   SOLOFUNDSFORM.COM — MAIN STYLESHEET
   Aesthetic: Editorial Warmth × Documentary Realism
   Fonts: Playfair Display + DM Sans
   Colors: Orange #f38537 / Gold #f7ba24 / Forest #5d742e / Lavender #9a94f0
   ============================================================ */


/* ─── TOKENS ─────────────────────────────────────────────── */
:root {
  --orange:   #f38537;
  --orange-dk:#d06820;
  --gold:     #f7ba24;
  --forest:   #5d742e;
  --forest-lt:#7a9640;
  --lavender: #9a94f0;
  --lav-dk:   #7570c8;
  --ink:      #1a1208;
  --warm-dk:  #2d2416;
  --warm-mid: #5c4a30;
  --warm-lt:  #f5ede0;
  --cream:    #fdf8f2;
  --white:    #ffffff;
  --gray-50:  #faf8f5;
  --gray-100: #f0ebe3;
  --gray-200: #ddd5c8;
  --gray-400: #9d8f7e;
  --gray-600: #5a4f43;

  --font-display: 'Playfair Display', Georgia, serif;
  --font-body:    'DM Sans', sans-serif;

  --r-sm:  6px;
  --r-md:  12px;
  --r-lg:  20px;
  --r-xl:  32px;
  --r-full:9999px;

  --shadow-warm-sm: 0 2px 8px rgba(243,133,55,.15);
  --shadow-warm-md: 0 8px 32px rgba(243,133,55,.2);
  --shadow-warm-lg: 0 20px 60px rgba(26,18,8,.18);
  --shadow-lav:     0 8px 32px rgba(154,148,240,.25);

  --nav-h: 68px;
  --sp-section: 96px;
  --max-w: 1240px;

  /* Animated grain */
  --grain-url: url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='.4'/%3E%3C/svg%3E");
}

/* ─── RESET ──────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-body);
  background: var(--cream);
  color: var(--ink);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button, input, select, textarea {
  font-family: inherit; border: none; outline: none; background: none;
}

/* ─── TYPOGRAPHY ─────────────────────────────────────────── */
h1, h2, h3, h4, h5 {
  font-family: var(--font-display);
  line-height: 1.15;
  color: var(--ink);
}
.text-orange  { color: var(--orange); }
.text-gold    { color: var(--gold); }
.text-forest  { color: var(--forest); }
.text-lav     { color: var(--lavender); }
.italic       { font-style: italic; }

/* Gradient text */
.grad-text {
  background: linear-gradient(135deg, var(--orange) 0%, var(--gold) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.grad-text-lav {
  background: linear-gradient(135deg, var(--lavender) 0%, var(--orange) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* ─── LAYOUT ─────────────────────────────────────────────── */
.container { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }
.section   { padding: var(--sp-section) 0; }
.section-sm { padding: 56px 0; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }
.grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4,1fr); gap: 20px; }

/* ─── NAV ────────────────────────────────────────────────── */
.nav {
  position: sticky; top: 0; z-index: 1000;
  height: var(--nav-h);
  background: rgba(253,248,242,.92);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(243,133,55,.15);
}
.nav::before {
  content: '';
  position: absolute; inset: 0;
  background: var(--grain-url);
  opacity: .03; pointer-events: none;
}
.nav-inner {
  display: flex; align-items: center;
  height: 100%; gap: 0;
  position: relative;
}
/* Logo */
.nav-logo {
  display: flex; align-items: center; gap: 10px;
  font-family: var(--font-display);
  font-size: 20px; font-weight: 700;
  color: var(--ink);
  flex-shrink: 0;
  text-decoration: none;
}
.nav-logo img { width: 32px; height: 32px; object-fit: contain; }
.nav-logo span em {
  font-style: italic;
  color: var(--orange);
}

/* Menu */
.nav-menu {
  display: flex; align-items: center; gap: 2px;
  margin-left: 32px; flex: 1;
}
.nav-link {
  padding: 8px 14px;
  font-size: 14px; font-weight: 500;
  color: var(--gray-600);
  border-radius: var(--r-sm);
  transition: color .2s, background .2s;
  white-space: nowrap;
}
.nav-link:hover, .nav-link.active {
  color: var(--orange);
  background: rgba(243,133,55,.08);
}

/* Dropdown */
.nav-dd { position: relative; }
.nav-dd > .nav-link::after {
  content: '▾'; margin-left: 4px; font-size: 10px;
}
.nav-dd-menu {
  position: absolute; top: 100%; left: 0;
  background: var(--cream);
  border: 1px solid rgba(243,133,55,.2);
  border-radius: var(--r-md);
  box-shadow: var(--shadow-warm-lg);
  min-width: 210px; padding: 8px;
  opacity: 0; pointer-events: none;
  transform: translateY(-8px) scale(.98);
  transition: all .2s;
  /* invisible bridge */
  padding-top: 4px;
}
.nav-dd:hover .nav-dd-menu {
  opacity: 1; pointer-events: auto;
  transform: translateY(0) scale(1);
}
.nav-dd-menu::before {
  content: '';
  position: absolute;
  top: -4px; left: 0; right: 0;
  height: 4px;
  background: transparent;
}
.nav-dd-menu a {
  display: block; padding: 9px 14px;
  font-size: 13.5px; font-weight: 400;
  color: var(--gray-600);
  border-radius: var(--r-sm);
  transition: all .18s;
}
.nav-dd-menu a:hover {
  color: var(--orange);
  background: rgba(243,133,55,.08);
  padding-left: 18px;
}

/* Spacer bar (decorative gold line between Resources and Apply) */
.nav-spacer {
  flex: 1; min-width: 40px; max-width: 80px;
  height: 2px;
  background: linear-gradient(90deg, transparent 0%, var(--gold) 50%, transparent 100%);
  border-radius: 2px;
  margin: 0 20px;
  opacity: .75;
  align-self: center;
}

/* Apply button */
.btn-apply-nav {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 10px 22px;
  background: var(--orange);
  color: var(--white);
  font-size: 14px; font-weight: 600;
  border-radius: var(--r-full);
  transition: all .22s;
  white-space: nowrap;
  flex-shrink: 0;
}
.btn-apply-nav:hover {
  background: var(--orange-dk);
  transform: translateY(-1px);
  box-shadow: var(--shadow-warm-md);
}

.nav-toggle {
  display: none;
  width: 40px; height: 40px;
  align-items: center; justify-content: center;
  font-size: 22px; cursor: pointer;
  color: var(--ink);
}

/* ─── BUTTONS ────────────────────────────────────────────── */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  gap: 8px; padding: 14px 28px;
  font-family: var(--font-body);
  font-size: 15px; font-weight: 600;
  border-radius: var(--r-full);
  transition: all .22s; cursor: pointer;
  text-decoration: none; border: none;
}
.btn-primary { background: var(--orange); color: var(--white); }
.btn-primary:hover {
  background: var(--orange-dk);
  transform: translateY(-2px);
  box-shadow: 0 12px 32px rgba(243,133,55,.35);
}
.btn-gold { background: var(--gold); color: var(--ink); }
.btn-gold:hover {
  background: #e5a91a;
  transform: translateY(-2px);
  box-shadow: 0 12px 32px rgba(247,186,36,.35);
}
.btn-forest { background: var(--forest); color: var(--white); }
.btn-forest:hover { background: var(--forest-lt); transform: translateY(-2px); }
.btn-outline {
  background: transparent; color: var(--orange);
  border: 2px solid var(--orange);
}
.btn-outline:hover { background: var(--orange); color: var(--white); }
/* Ghost button for dark bg */
.btn-ghost-dark {
  background: rgba(255,255,255,.1);
  color: var(--white);
  border: 1.5px solid rgba(255,255,255,.35);
  backdrop-filter: blur(8px);
}
.btn-ghost-dark:hover {
  background: rgba(255,255,255,.2);
  border-color: rgba(255,255,255,.6);
}
.btn-dark { background: var(--ink); color: var(--white); }
.btn-dark:hover { background: var(--warm-dk); transform: translateY(-2px); }
.btn-lg { padding: 18px 40px; font-size: 17px; }
.btn-sm { padding: 8px 18px; font-size: 13px; }

/* ─── BADGE ──────────────────────────────────────────────── */
.badge {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 4px 12px; border-radius: var(--r-full);
  font-size: 11px; font-weight: 700;
  letter-spacing: .08em; text-transform: uppercase;
}
.badge-orange  { background: rgba(243,133,55,.12); color: var(--orange); }
.badge-forest  { background: rgba(93,116,46,.12);  color: var(--forest); }
.badge-lav     { background: rgba(154,148,240,.12);color: var(--lavender); }
.badge-gold    { background: rgba(247,186,36,.15); color: #8a6b00; }

/* ─── SECTION HEADER ─────────────────────────────────────── */
.section-header { text-align: center; max-width: 680px; margin: 0 auto 56px; }
.section-eyebrow {
  font-size: 11px; font-weight: 700; letter-spacing: .15em;
  text-transform: uppercase; color: var(--orange);
  margin-bottom: 12px;
}
.section-title { font-size: clamp(28px, 4vw, 44px); margin-bottom: 16px; }
.section-sub { font-size: 17px; color: var(--gray-600); line-height: 1.75; }

/* ─── HERO ────────────────────────────────────────────────── */
.hero {
  position: relative; overflow: hidden;
  background: var(--ink);
  height: min(calc(100vh - var(--nav-h)), 840px);
  display: flex; align-items: stretch;
}

/* Full-width inner that splits 50/50 */
.hero-inner {
  display: flex;
  width: 100%;
  height: 100%;
  align-items: stretch;
}

/* Left column — 50% width, uses container padding */
.hero-content {
  flex: 0 0 50%;
  position: relative; z-index: 2;
  display: flex; flex-direction: column;
  justify-content: center;
  padding: 72px 56px 72px 8%;
  box-sizing: border-box;
}
/* On wide screens, limit left padding to match container */
@media (min-width: 1280px) {
  .hero-content {
    padding-left: calc((100vw - 1240px) / 2 + 24px);
  }
}

/* Right column — 50% image */
.hero-image {
  flex: 0 0 50%;
  position: relative; z-index: 2;
  overflow: hidden;
  align-self: stretch;
  min-height: 100%;
}
.hero-image img {
  position: absolute;
  inset: 0;
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: center top;
  display: block;
}
.hero-image-bleed {
  position: absolute; top: 0; left: 0; bottom: 0; width: 100px;
  background: linear-gradient(90deg, var(--ink) 0%, transparent 100%);
  z-index: 3; pointer-events: none;
}
.hero-image-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(26,18,8,.05) 0%, rgba(26,18,8,.3) 100%);
  z-index: 2; pointer-events: none;
}

/* Badge (bottom-right of image) */
.hero-badge {
  position: absolute; bottom: 28px; right: 24px; z-index: 4;
  display: flex; align-items: center; gap: 12px;
  background: rgba(253,248,242,.96);
  backdrop-filter: blur(16px);
  border-radius: var(--r-lg); padding: 14px 18px;
  border: 1px solid rgba(243,133,55,.2);
  box-shadow: 0 8px 32px rgba(26,18,8,.22);
  max-width: 230px;
}
.hero-badge-icon {
  width: 34px; height: 34px; border-radius: 50%;
  background: linear-gradient(135deg, var(--orange), var(--gold));
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-size: 15px; font-weight: 700; flex-shrink: 0;
}
.hero-badge-title { font-family: var(--font-display); font-weight: 700; font-size: 14px; color: var(--ink); }
.hero-badge-sub   { font-size: 11px; color: var(--gray-400); margin-top: 2px; }

/* Title & desc */
.hero-title {
  font-size: clamp(32px, 3vw, 50px);
  line-height: 1.1; color: var(--white); margin-bottom: 18px;
}
.hero-title span { display: block; white-space: nowrap; }
.hero-title .line-italic { color: rgba(255,255,255,.72); }
.hero-title .line-orange  { color: var(--orange); }
.hero-desc {
  font-size: 17px; color: rgba(255,255,255,.75);
  line-height: 1.75; margin-bottom: 28px; max-width: 480px;
}

/* Buttons row */
.hero-btns {
  display: flex; gap: 14px; align-items: center;
  flex-wrap: nowrap; margin-bottom: 14px;
}
.btn-ghost {
  background: rgba(255,255,255,.12);
  color: var(--white);
  border: 1.5px solid rgba(255,255,255,.35);
  backdrop-filter: blur(8px);
}
.btn-ghost:hover {
  background: rgba(255,255,255,.22);
  border-color: rgba(255,255,255,.6);
}

/* Trust line */
.hero-trust {
  display: flex; align-items: center; gap: 10px;
  flex-wrap: wrap; margin-bottom: 28px;
  font-size: 12px; color: rgba(255,255,255,.45);
}
.hero-trust-dot { color: rgba(255,255,255,.2); }

/* Stats pill */
.hero-stats {
  display: inline-flex;
  background: rgba(255,255,255,.07);
  backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: 14px; overflow: hidden;
}
.hero-stat { padding: 14px 22px; text-align: center; }
.hero-stat-num   { font-family: var(--font-display); font-size: 22px; font-weight: 900; line-height: 1; }
.hero-stat-label { font-size: 10px; color: rgba(255,255,255,.45); text-transform: uppercase; letter-spacing: .08em; margin-top: 4px; }
.hero-stat-divider { width: 1px; background: rgba(255,255,255,.1); }

/* ─── STATS STRIP ────────────────────────────────────────── */
.stats-strip {
  background: var(--ink);
  padding: 48px 0;
  position: relative; overflow: hidden;
}
.stats-strip::before {
  content: ''; position: absolute; inset: 0;
  background: var(--grain-url); opacity: .05;
}
.stats-inner {
  display: flex; justify-content: center;
  gap: 0; position: relative;
}
.stat-item {
  flex: 1; text-align: center;
  padding: 0 32px;
  border-right: 1px solid rgba(255,255,255,.08);
}
.stat-item:last-child { border-right: none; }
.stat-num {
  font-family: var(--font-display);
  font-size: 48px; font-weight: 900;
  line-height: 1;
  /* Layered oversized editorial look */
  position: relative;
}
.stat-num::before {
  content: attr(data-val);
  position: absolute; left: -4px; top: 2px;
  color: var(--orange);
  opacity: .12;
  font-size: 64px;
  pointer-events: none;
  z-index: 0;
}
.stat-num span { position: relative; z-index: 1; color: var(--orange); }
.stat-label { font-size: 12px; color: rgba(255,255,255,.45); margin-top: 6px; letter-spacing: .06em; text-transform: uppercase; }
.stat-suffix { font-size: 28px; color: var(--gold); }

/* ─── LOAN CATEGORY CARDS ────────────────────────────────── */
.loan-cat-card {
  background: var(--white);
  border-radius: var(--r-lg);
  overflow: hidden;
  border: 1px solid rgba(243,133,55,.1);
  transition: all .28s;
  cursor: pointer;
  text-decoration: none;
  display: block;
}
.loan-cat-card:hover {
  border-color: var(--orange);
  transform: translateY(-6px);
  box-shadow: var(--shadow-warm-md);
}
.loan-cat-card .img-wrap { overflow: hidden; }
.loan-cat-card img {
  width: 100%; aspect-ratio: 3/2;
  object-fit: cover;
  transition: transform .5s;
}
.loan-cat-card:hover img { transform: scale(1.06); }
.loan-cat-card-body { padding: 20px; }
.loan-cat-card-title {
  font-family: var(--font-display);
  font-size: 18px; font-weight: 700;
  margin-bottom: 6px; color: var(--ink);
}
.loan-cat-card-desc { font-size: 13px; color: var(--gray-600); line-height: 1.6; }
.loan-cat-card-meta {
  display: flex; gap: 10px; margin-top: 12px;
  font-size: 12px; font-weight: 600;
}
.loan-cat-card-meta .range { color: var(--orange); }
.loan-cat-card-meta .rate  { color: var(--gray-400); }

/* Amount cards 3-in-a-row */
.amount-cards { display: grid; grid-template-columns: repeat(3,1fr); gap: 16px; margin: 32px 0; }
.amount-card {
  background: var(--warm-lt);
  border: 2px solid rgba(243,133,55,.15);
  border-radius: var(--r-lg);
  padding: 24px 16px; text-align: center;
  cursor: pointer; transition: all .22s;
  position: relative; overflow: hidden;
}
.amount-card::before {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(135deg, var(--orange), var(--gold));
  opacity: 0; transition: opacity .22s;
}
.amount-card:hover, .amount-card.active {
  border-color: var(--orange);
  transform: translateY(-3px);
  box-shadow: var(--shadow-warm-sm);
}
.amount-card:hover::before, .amount-card.active::before { opacity: 1; }
.amount-card .inner { position: relative; z-index: 1; }
.amount-card:hover .a-num, .amount-card.active .a-num,
.amount-card:hover .a-lbl, .amount-card.active .a-lbl { color: var(--white); }
.a-num { font-family: var(--font-display); font-size: 26px; font-weight: 900; color: var(--ink); transition: color .22s; }
.a-lbl { font-size: 12px; color: var(--gray-400); margin-top: 4px; transition: color .22s; }

/* ─── CONTENT BLOCK (2-col) ──────────────────────────────── */
.content-block {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 64px; align-items: center;
  margin-bottom: 80px;
}
.content-block.reverse { direction: rtl; }
.content-block.reverse > * { direction: ltr; }
.content-block-img {
  border-radius: var(--r-xl); overflow: hidden;
  box-shadow: var(--shadow-warm-lg);
  position: relative;
}
.content-block-img img {
  width: 100%; aspect-ratio: 2/3; object-fit: cover;
  transition: transform .5s;
}
.content-block-img:hover img { transform: scale(1.03); }
/* Decorative corner accent */
.content-block-img::after {
  content: '';
  position: absolute; bottom: -12px; right: -12px;
  width: 80px; height: 80px;
  border-radius: var(--r-md);
  background: linear-gradient(135deg, var(--orange), var(--gold));
  opacity: .3;
  z-index: -1;
}
.content-block-text h2 { font-size: clamp(24px, 3vw, 36px); margin-bottom: 16px; }
.content-block-text p { color: var(--gray-600); line-height: 1.8; margin-bottom: 14px; font-size: 16px; }

/* ─── BLOG CARDS ─────────────────────────────────────────── */
.blog-card {
  background: var(--white);
  border-radius: var(--r-lg);
  overflow: hidden;
  border: 1px solid rgba(243,133,55,.1);
  transition: all .25s;
  display: block; text-decoration: none;
}
.blog-card:hover {
  border-color: var(--orange);
  box-shadow: var(--shadow-warm-md);
  transform: translateY(-4px);
}
.blog-card .img-link { display: block; overflow: hidden; }
.blog-card-img {
  width: 100%; aspect-ratio: 3/2; object-fit: cover;
  transition: transform .5s;
}
.blog-card:hover .blog-card-img { transform: scale(1.06); }
.blog-card-body { padding: 20px; }
.blog-card-cat {
  font-size: 10px; font-weight: 700; letter-spacing: .12em;
  text-transform: uppercase; color: var(--orange); margin-bottom: 8px;
}
.blog-card-title {
  font-family: var(--font-display); font-size: 17px;
  line-height: 1.3; margin-bottom: 10px;
  color: var(--ink);
}
.blog-card-title a:hover { color: var(--orange); }
.blog-card-excerpt { font-size: 13px; color: var(--gray-600); line-height: 1.6; margin-bottom: 12px; }
.blog-card-meta { font-size: 11px; color: var(--gray-400); display: flex; gap: 10px; align-items: center; }

/* ─── REVIEW CARDS ───────────────────────────────────────── */
.review-summary {
  display: flex; align-items: center; gap: 24px;
  background: linear-gradient(135deg, var(--ink) 0%, var(--warm-dk) 100%);
  border-radius: var(--r-xl); padding: 32px 40px;
  margin-bottom: 40px; position: relative; overflow: hidden;
}
.review-summary::before {
  content: ''; position: absolute; inset: 0;
  background: var(--grain-url); opacity: .06;
}
.review-big-num {
  font-family: var(--font-display);
  font-size: 72px; font-weight: 900;
  color: var(--orange); line-height: 1;
}
.review-stars { display: flex; gap: 4px; color: var(--gold); font-size: 20px; }
.review-label { font-size: 13px; color: rgba(255,255,255,.5); margin-top: 4px; }
.review-card {
  background: var(--white);
  border-radius: var(--r-lg); padding: 24px;
  border: 1px solid rgba(243,133,55,.1);
  transition: box-shadow .2s;
}
.review-card:hover { box-shadow: var(--shadow-warm-sm); }
.reviewer-avatar {
  width: 40px; height: 40px; border-radius: 50%;
  background: linear-gradient(135deg, var(--orange), var(--gold));
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display); font-weight: 700; font-size: 16px;
  color: var(--white); flex-shrink: 0;
}
.reviewer-name { font-weight: 600; font-size: 14px; font-family: var(--font-display); }
.reviewer-date { font-size: 11px; color: var(--gray-400); }
.review-text { font-size: 13.5px; color: var(--gray-600); line-height: 1.65; margin-top: 10px; }
.stars-sm { color: var(--gold); font-size: 13px; letter-spacing: 1px; }
.review-cards-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; }

/* ─── FAQ ────────────────────────────────────────────────── */
.faq-item { border-bottom: 1px solid rgba(243,133,55,.12); }
.faq-item:first-child { border-top: 1px solid rgba(243,133,55,.12); }
.faq-q {
  display: flex; justify-content: space-between; align-items: center;
  padding: 20px 0; cursor: pointer;
  font-family: var(--font-display); font-size: 17px; color: var(--ink);
  transition: color .2s; gap: 16px; user-select: none;
}
.faq-q:hover { color: var(--orange); }
.faq-icon {
  flex-shrink: 0; width: 30px; height: 30px; border-radius: 50%;
  background: rgba(243,133,55,.1);
  display: flex; align-items: center; justify-content: center;
  font-size: 18px; color: var(--orange);
  transition: all .3s; font-weight: 700; line-height: 1;
}
.faq-item.open .faq-icon {
  background: var(--orange); color: var(--white);
  transform: rotate(45deg);
}
.faq-a { max-height: 0; overflow: hidden; transition: max-height .35s ease, padding .25s; }
.faq-item.open .faq-a { max-height: 400px; padding-bottom: 20px; }
.faq-a p { font-size: 15px; color: var(--gray-600); line-height: 1.78; }

/* ─── CALCULATOR ─────────────────────────────────────────── */
.calc-wrap {
  background: linear-gradient(135deg, var(--ink) 0%, #2a1d08 100%);
  border-radius: var(--r-xl); padding: 48px;
  position: relative; overflow: hidden;
}
.calc-wrap::before {
  content: ''; position: absolute; inset: 0;
  background: var(--grain-url); opacity: .06;
  pointer-events: none;
}
.calc-wrap h2 { color: var(--white); margin-bottom: 8px; }
.calc-wrap > p { color: rgba(255,255,255,.55); font-size: 14px; margin-bottom: 32px; }
.calc-row { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 20px; margin: 24px 0; }
.calc-field label {
  display: block; font-size: 11px; font-weight: 600;
  text-transform: uppercase; letter-spacing: .08em;
  color: rgba(255,255,255,.5); margin-bottom: 8px;
}
.calc-field input, .calc-field select {
  width: 100%; background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: var(--r-md); padding: 13px 14px;
  color: var(--white); font-size: 15px;
  transition: border-color .2s;
}
.calc-field input:focus, .calc-field select:focus { border-color: var(--orange); }
.calc-field select option { background: #2a1d08; color: var(--white); }
.calc-result {
  background: rgba(243,133,55,.12);
  border: 1.5px solid var(--orange);
  border-radius: var(--r-lg); padding: 28px; text-align: center;
}
.calc-result-label { font-size: 11px; color: rgba(255,255,255,.5); letter-spacing: .08em; text-transform: uppercase; margin-bottom: 8px; }
.calc-result-amount { font-family: var(--font-display); font-size: 52px; font-weight: 900; color: var(--gold); line-height: 1; }
.calc-note { font-size: 11px; color: rgba(255,255,255,.3); margin-top: 10px; line-height: 1.5; }

/* ─── COMPARE TABLE ──────────────────────────────────────── */
.compare-table-wrap { overflow-x: auto; border-radius: var(--r-lg); border: 1px solid rgba(243,133,55,.15); }
.compare-table { width: 100%; border-collapse: collapse; }
.compare-table th {
  background: var(--ink); color: var(--white);
  font-family: var(--font-display); font-size: 13px;
  font-weight: 400; padding: 14px 16px; text-align: left;
  white-space: nowrap;
}
.compare-table td {
  padding: 13px 16px; font-size: 13.5px;
  border-bottom: 1px solid rgba(243,133,55,.08);
  vertical-align: top; color: var(--gray-600); line-height: 1.5;
}
.compare-table tr:last-child td { border-bottom: none; }
.compare-table tr:hover td { background: rgba(243,133,55,.04); }
.compare-table .lender-name {
  font-family: var(--font-display); font-weight: 700;
  font-size: 15px; color: var(--ink);
}
.compare-table .rate { color: var(--orange); font-weight: 600; }

/* ─── BREADCRUMB ─────────────────────────────────────────── */
.breadcrumb {
  display: flex; align-items: center; gap: 8px;
  padding: 12px 0; font-size: 13px; color: var(--gray-400);
  flex-wrap: wrap;
}
.breadcrumb a { color: var(--orange); }
.breadcrumb a:hover { text-decoration: underline; }
.breadcrumb-sep { color: var(--gray-200); }

/* ─── CTA ZONE ───────────────────────────────────────────── */
.cta-zone {
  background: linear-gradient(135deg, var(--orange) 0%, #e8762a 50%, var(--gold) 100%);
  padding: 80px 0; position: relative; overflow: hidden;
}
.cta-zone::before {
  content: ''; position: absolute; inset: 0;
  background: var(--grain-url); opacity: .08;
}
/* Large decorative text in bg */
.cta-zone::after {
  content: 'APPLY';
  position: absolute; right: -40px; top: 50%;
  transform: translateY(-50%);
  font-family: var(--font-display);
  font-size: 240px; font-weight: 900;
  color: rgba(255,255,255,.06);
  pointer-events: none; line-height: 1;
  white-space: nowrap;
}
.cta-inner { position: relative; z-index: 1; text-align: center; max-width: 640px; margin: 0 auto; }
.cta-inner h2 { color: var(--white); font-size: clamp(28px,4vw,46px); margin-bottom: 16px; }
.cta-inner p { color: rgba(255,255,255,.85); font-size: 18px; margin-bottom: 36px; }

/* ─── FORM SECTION ───────────────────────────────────────── */
.form-section {
  background: var(--warm-lt);
  border-radius: var(--r-xl); padding: 48px;
  border: 1px solid rgba(243,133,55,.15);
  position: relative; overflow: hidden;
}
.form-section::before {
  content: ''; position: absolute;
  top: -60px; right: -60px; width: 200px; height: 200px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(243,133,55,.15) 0%, transparent 70%);
  pointer-events: none;
}

/* ─── SIDEBAR LAYOUT ─────────────────────────────────────── */
.sidebar-layout { display: grid; grid-template-columns: 1fr 320px; gap: 48px; align-items: start; }
.sidebar { background: var(--gray-50); border-radius: var(--r-lg); padding: 28px; border: 1px solid rgba(243,133,55,.12); }
.sidebar-widget { margin-bottom: 28px; }
.sidebar-widget:last-child { margin-bottom: 0; }
.sidebar-widget-title {
  font-family: var(--font-display); font-size: 16px; font-weight: 700;
  color: var(--ink); margin-bottom: 14px;
  padding-bottom: 10px; border-bottom: 2px solid var(--orange);
}
.sidebar-links { display: flex; flex-direction: column; gap: 10px; }
.sidebar-links a {
  font-size: 13.5px; color: var(--gray-600);
  padding: 4px 0; border-bottom: 1px solid rgba(243,133,55,.08);
  transition: color .2s, padding-left .2s;
}
.sidebar-links a:hover { color: var(--orange); padding-left: 6px; }

/* ─── HIGHLIGHT / INFO BOX ───────────────────────────────── */
.highlight-box {
  background: rgba(243,133,55,.08);
  border-left: 4px solid var(--orange);
  border-radius: 0 var(--r-md) var(--r-md) 0;
  padding: 16px 20px; margin: 24px 0;
}
.highlight-box p { font-size: 15px; color: var(--gray-600); margin: 0; line-height: 1.7; }
.info-box {
  background: rgba(93,116,46,.08);
  border-left: 4px solid var(--forest);
  border-radius: 0 var(--r-md) var(--r-md) 0;
  padding: 16px 20px; margin: 24px 0;
}
.info-box p { font-size: 15px; color: var(--gray-600); margin: 0; line-height: 1.7; }

/* ─── STEPS ──────────────────────────────────────────────── */
.steps { display: grid; grid-template-columns: repeat(3,1fr); gap: 32px; margin: 40px 0; }
.step { text-align: center; padding: 32px 20px; position: relative; }
.step-num {
  width: 56px; height: 56px; border-radius: 50%;
  background: linear-gradient(135deg, var(--orange), var(--gold));
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 16px;
  font-family: var(--font-display); font-size: 22px; font-weight: 900;
  color: var(--white);
  box-shadow: var(--shadow-warm-md);
}
.step-title { font-family: var(--font-display); font-size: 16px; font-weight: 700; margin-bottom: 8px; }
.step-desc { font-size: 13px; color: var(--gray-600); line-height: 1.6; }
/* Connector arrow */
.step:not(:last-child)::after {
  content: '→';
  position: absolute; right: -16px; top: 44px;
  font-size: 22px; color: var(--orange); opacity: .4;
}

/* ─── AUTHOR BOX ─────────────────────────────────────────── */
.author-box {
  display: flex; align-items: center; gap: 16px;
  padding: 18px; background: var(--gray-50);
  border-radius: var(--r-md); border: 1px solid rgba(243,133,55,.12);
  margin: 32px 0;
}
.author-avatar {
  width: 52px; height: 52px; border-radius: 50%;
  background: linear-gradient(135deg, var(--orange), var(--gold));
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display); font-weight: 700; font-size: 20px;
  color: var(--white); flex-shrink: 0;
}
.author-name { font-family: var(--font-display); font-weight: 700; font-size: 15px; color: var(--ink); }
.author-role { font-size: 12px; color: var(--gray-400); }

/* ─── SOCIAL SHARE ───────────────────────────────────────── */
.social-share { display: flex; gap: 10px; align-items: center; margin: 20px 0; }
.social-share span { font-size: 13px; color: var(--gray-400); font-weight: 600; }
.social-btn {
  width: 34px; height: 34px; border-radius: 50%;
  background: var(--gray-100);
  display: flex; align-items: center; justify-content: center;
  font-size: 15px; transition: all .2s; color: var(--gray-600);
}
.social-btn:hover { background: var(--orange); color: var(--white); transform: translateY(-2px); }

/* ─── FOOTER ─────────────────────────────────────────────── */
.footer { background: var(--ink); color: rgba(255,255,255,.6); padding: 64px 0 32px; position: relative; overflow: hidden; }
.footer::before { content: ''; position: absolute; inset: 0; background: var(--grain-url); opacity: .05; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 48px; }
.footer-brand {
  font-family: var(--font-display); font-size: 20px; font-weight: 700;
  color: var(--white); margin-bottom: 14px;
  display: flex; align-items: center; gap: 8px;
}
.footer-brand img { width: 28px; height: 28px; object-fit: contain; }
.footer-desc { font-size: 13.5px; line-height: 1.75; margin-bottom: 18px; }
.footer-contact { font-size: 13px; line-height: 2.2; }
.footer-contact a { color: var(--orange); }
.footer-contact a:hover { color: var(--gold); }
.footer-col-title {
  font-family: var(--font-display); font-size: 14px; font-weight: 700;
  color: var(--white); margin-bottom: 16px;
  text-transform: uppercase; letter-spacing: .08em;
}
.footer-links { display: flex; flex-direction: column; gap: 10px; }
.footer-links a { font-size: 13px; color: rgba(255,255,255,.5); transition: color .2s; }
.footer-links a:hover { color: var(--orange); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding-top: 24px;
}
.footer-copy { font-size: 12px; margin-bottom: 10px; }
.footer-disclosure {
  font-size: 11px; color: rgba(255,255,255,.3);
  line-height: 1.7;
}

/* ─── SCROLL TO TOP ──────────────────────────────────────── */
.scroll-top {
  position: fixed; bottom: 28px; right: 28px; z-index: 999;
  width: 44px; height: 44px; border-radius: 50%;
  background: linear-gradient(135deg, var(--orange), var(--gold));
  color: var(--white); border: none; cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  font-size: 20px;
  box-shadow: var(--shadow-warm-md);
  opacity: 0; transform: translateY(8px);
  transition: all .3s;
}
.scroll-top.show { opacity: 1; transform: translateY(0); }
.scroll-top:hover { transform: translateY(-3px); }

/* ─── ANIMATIONS ─────────────────────────────────────────── */
@keyframes fadeInUp   { from { opacity:0; transform:translateY(28px); } to { opacity:1; transform:translateY(0); } }
@keyframes fadeInLeft { from { opacity:0; transform:translateX(-24px); } to { opacity:1; transform:translateX(0); } }
@keyframes fadeIn     { from { opacity:0; } to { opacity:1; } }
@keyframes pulse      { 0%,100% { transform:scale(1); } 50% { transform:scale(1.04); } }
@keyframes shimmer    {
  0%   { background-position: -400px 0; }
  100% { background-position: 400px 0; }
}
.anim-up  { animation: fadeInUp .65s ease both; }
.anim-in  { animation: fadeIn .65s ease both; }
.anim-left{ animation: fadeInLeft .65s ease both; }
.d1 { animation-delay:.1s; } .d2 { animation-delay:.2s; }
.d3 { animation-delay:.3s; } .d4 { animation-delay:.4s; }
.d5 { animation-delay:.5s; }

/* ─── UTILITIES ──────────────────────────────────────────── */
.text-center { text-align: center; }
.mt-8  { margin-top: 8px;  } .mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; } .mt-32 { margin-top: 32px; }
.mt-48 { margin-top: 48px; }
.mb-8  { margin-bottom: 8px;  } .mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; } .mb-32 { margin-bottom: 32px; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.gap-12 { gap: 12px; } .gap-16 { gap: 16px; } .gap-24 { gap: 24px; }
.divider-orange {
  height: 3px;
  background: linear-gradient(90deg, var(--orange), var(--gold), transparent);
  border-radius: 2px; margin: 32px 0;
}
.divider-wave {
  width: 100%; overflow: hidden; line-height: 0;
  position: relative;
}

/* ─── FOCUS / A11Y ───────────────────────────────────────── */
a:focus-visible, button:focus-visible, [role="button"]:focus-visible {
  outline: 3px solid var(--orange); outline-offset: 3px; border-radius: 4px;
}

/* ─── RESPONSIVE ─────────────────────────────────────────── */
@media (max-width: 1024px) {
  :root { --sp-section: 72px; }
  .grid-4 { grid-template-columns: repeat(2,1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .sidebar-layout { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  :root { --sp-section: 56px; --nav-h: 64px; }
  .hero { flex-direction: column; min-height: auto; }
  .hero > div[style*="flex:0 0 45%"] { flex: none !important; height: 280px; }
  .hero > div[style*="flex:0 0 55%"] { flex: none !important; width: 100% !important; padding: 48px 0 !important; }
  .nav-menu { display: none; flex-direction: column; position: absolute; top: var(--nav-h); left: 0; right: 0; background: var(--cream); padding: 16px 24px 24px; border-bottom: 1px solid rgba(243,133,55,.15); z-index: 1000; }
  .nav-menu.open { display: flex; }
  .nav-toggle { display: flex; }
  .btn-apply-nav { padding: 8px 14px; font-size: 13px; }
  .grid-2, .grid-3, .content-block, .review-cards-grid, .steps { grid-template-columns: 1fr; }
  .content-block.reverse { direction: ltr; }
  .step:not(:last-child)::after { display: none; }
  .hero-form-card { max-width: 100%; }
  .calc-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .stats-inner { flex-direction: column; }
  .stat-item { border-right: none; border-bottom: 1px solid rgba(255,255,255,.06); padding: 20px; }
  .amount-cards { grid-template-columns: 1fr; }
  .review-summary { flex-direction: column; text-align: center; }

  .hero-inner { flex-direction: column; }
  .hero-image  { flex: 0 0 280px; order: 1; }
  .hero-content { flex: 1 1 auto; order: 2; padding: 48px 24px; }
  .hero-btns   { flex-wrap: wrap; }
}
@media (max-width: 480px) {
  .nav-spacer { display: none; }
  .hero-title { font-size: 34px; }
  .calc-wrap, .form-section { padding: 28px 20px; }
}

/* ─── FORM SECTION ─────────────────────────────────────────────── */
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: start;
}
.form-benefits {
  padding-top: 8px;
}
.form-benefits-title {
  font-family: var(--font-display);
  font-size: clamp(24px, 3vw, 36px);
  line-height: 1.2;
  margin: 12px 0 16px;
  color: var(--ink);
}
.form-benefits-desc {
  font-size: 16px;
  color: var(--gray-600);
  line-height: 1.8;
  margin-bottom: 24px;
  max-width: 440px;
}
.form-checklist {
  display: flex; flex-direction: column; gap: 12px;
}
.form-checklist li {
  display: flex; align-items: flex-start; gap: 10px;
  font-size: 15px; color: var(--gray-600); line-height: 1.5;
}
.form-check {
  color: var(--forest); font-weight: 700;
  flex-shrink: 0; margin-top: 1px;
}
.form-card {
  background: var(--warm-lt);
  border-radius: var(--r-xl);
  padding: 36px;
  border: 1px solid rgba(243,133,55,.15);
  box-shadow: 0 4px 24px rgba(243,133,55,.08);
}
.form-card-title {
  font-family: var(--font-display);
  font-size: 22px; font-weight: 700;
  color: var(--ink); margin-bottom: 6px;
}
.form-card-sub {
  font-size: 13px; color: var(--gray-400);
  margin-bottom: 24px;
}

@media (max-width: 768px) {
  .form-grid { grid-template-columns: 1fr; gap: 32px; }
  .form-card  { padding: 24px; }
}

/* ─── TIP BOX GLOBAL FIX ───────────────────────────────────────── */
/* Tip boxes ที่อยู่ใน .container จะได้ padding อัตโนมัติ */
/* แต่ tip boxes ที่อยู่ใน section ที่ไม่มี container ให้แก้ที่ inline style */


/* ─── FORM SECTION CONTENT (left column) ──────────────────────── */
.form-steps {
  display: flex; flex-direction: column; gap: 16px;
  margin: 28px 0;
}
.form-step {
  display: flex; align-items: flex-start; gap: 14px;
}
.form-step-num {
  width: 32px; height: 32px; border-radius: 50%; flex-shrink: 0;
  background: linear-gradient(135deg, var(--orange), var(--gold));
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display); font-weight: 900; font-size: 14px;
  color: var(--white);
}
.form-step-title {
  font-family: var(--font-display); font-weight: 700;
  font-size: 15px; color: var(--ink); margin-bottom: 3px;
}
.form-step-desc {
  font-size: 13px; color: var(--gray-600); line-height: 1.5;
}

.form-trust-row {
  display: flex; gap: 12px; flex-wrap: wrap; margin-top: 4px;
}
.form-trust-badge {
  display: flex; align-items: center; gap: 6px;
  background: var(--gray-100); border-radius: 20px;
  padding: 6px 14px; font-size: 12px; font-weight: 600;
  color: var(--gray-600);
}
.form-trust-icon { font-size: 14px; }

/* Make form-grid align tops so left content fills height naturally */
.form-grid { align-items: start; }