/* ============================================================
   EMT Cash — loan-guide.css
   Page-specific premium editorial styles for long-form
   loan guide pages.

   Everything is scoped to body.page-loan-guide so that no
   other page on the site can be affected by this file.
   ============================================================ */

/* =====================================================
   PAGE TOKENS
===================================================== */
body.page-loan-guide {
  --lp-ink:         #14101f;   /* charcoal headings        */
  --lp-body:        #4b5266;   /* neutral body text        */
  --lp-muted:       #79809a;   /* captions / footnotes     */
  --lp-line:        #e9e7f2;   /* light neutral border     */
  --lp-line-soft:   #f1eff8;
  --lp-tint:        #f7f2ff;   /* extremely light purple   */
  --lp-tint-deep:   #efe4ff;
  --lp-soft:        #f8f8fc;   /* secondary background     */
  --lp-purple:      var(--purple);
  --lp-purple-deep: #5d10bd;
  --lp-purple-ink:  #3d0a80;

  --lp-measure: 900px;

  --lp-shadow-xs: 0 1px 2px rgba(20,16,31,.04);
  --lp-shadow-sm: 0 1px 2px rgba(20,16,31,.05), 0 6px 18px -12px rgba(20,16,31,.18);
  --lp-shadow-md: 0 2px 6px rgba(20,16,31,.05), 0 16px 34px -20px rgba(20,16,31,.28);
  --lp-shadow-lg: 0 4px 10px rgba(20,16,31,.05), 0 30px 60px -32px rgba(60,20,130,.35);

  --lp-ease: cubic-bezier(.22,.61,.36,1);

  background: var(--white);
  color: var(--lp-body);
  text-rendering: optimizeLegibility;
  overflow-x: clip;
}

/* A late block in the shared stylesheet resets .container to `padding: 0 0px`,
   which removes the side gutter on narrow screens. Restored here for this page
   only, so no other page's layout is affected. */
body.page-loan-guide .container {
  padding-left: 1.25rem;
  padding-right: 1.25rem;
}

/* Sticky mobile CTA must never cover the last of the content */
@media (max-width: 820px) {
  body.page-loan-guide { padding-bottom: 84px; }
}

/* Consistent, visible focus ring across the page */
body.page-loan-guide a:focus-visible,
body.page-loan-guide button:focus-visible,
body.page-loan-guide [tabindex]:focus-visible {
  outline: 2px solid var(--lp-purple);
  outline-offset: 3px;
  border-radius: 6px;
}

/* =====================================================
   HEADER POLISH
   (same structure as the rest of the site — only spacing,
   alignment, hover, active and motion are refined)
===================================================== */
body.page-loan-guide .nav {
  background: rgba(255,255,255,.88);
  -webkit-backdrop-filter: saturate(180%) blur(14px);
          backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1px solid var(--lp-line-soft);
}
body.page-loan-guide .nav.nav-scrolled {
  box-shadow: 0 1px 0 var(--lp-line), 0 10px 30px -18px rgba(20,16,31,.35);
}
body.page-loan-guide .nav-inner { gap: 1.25rem; }
body.page-loan-guide .logo { letter-spacing: -.02em; }
body.page-loan-guide .logo svg { transition: transform .35s var(--lp-ease); }
body.page-loan-guide .logo:hover svg { transform: rotate(-6deg) scale(1.05); }

body.page-loan-guide .nav-links { gap: .15rem; }
body.page-loan-guide .nav-links > a,
body.page-loan-guide .nav-dropdown-btn {
  position: relative;
  padding: .5rem .85rem;
  border-radius: 10px;
  color: var(--lp-body);
  transition: color .18s var(--lp-ease), background .18s var(--lp-ease);
}

/* underline that grows from the centre on hover */
body.page-loan-guide .nav-links > a::after,
body.page-loan-guide .nav-dropdown-btn::after {
  content: '';
  position: absolute;
  left: 50%;
  bottom: .2rem;
  width: 0;
  height: 2px;
  border-radius: 2px;
  background: var(--lp-purple);
  transform: translateX(-50%);
  transition: width .25s var(--lp-ease);
}
body.page-loan-guide .nav-links > a:hover::after,
body.page-loan-guide .nav-dropdown-btn:hover::after,
body.page-loan-guide .nav-dropdown.open .nav-dropdown-btn::after,
body.page-loan-guide .nav-dropdown.is-active .nav-dropdown-btn::after {
  width: calc(100% - 1.7rem);
}

body.page-loan-guide .nav-links > a:hover,
body.page-loan-guide .nav-dropdown-btn:hover,
body.page-loan-guide .nav-dropdown.open .nav-dropdown-btn,
body.page-loan-guide .nav-dropdown.is-active .nav-dropdown-btn {
  color: var(--lp-purple);
  background: var(--lp-tint);
}

body.page-loan-guide .dropdown-arrow {
  font-size: .62rem;
  opacity: .7;
  transition: transform .3s var(--lp-ease), opacity .2s;
}
body.page-loan-guide .nav-dropdown.open .dropdown-arrow { opacity: 1; }

/* ---- Dropdown panel ---- */
body.page-loan-guide .nav-dropdown-menu {
  min-width: 330px;
  top: calc(100% + 10px);
  /* right-anchored: a later shared rule left-anchors these, which pushes the
     rightmost menu past the viewport edge on narrow desktops */
  left: auto;
  right: 0;
  padding: .45rem;
  border: 1px solid var(--lp-line);
  border-radius: 16px;
  box-shadow: var(--lp-shadow-lg);
  animation: lpDropIn .22s var(--lp-ease) both;
}
@keyframes lpDropIn {
  from { opacity: 0; transform: translateY(-8px) scale(.985); }
  to   { opacity: 1; transform: translateY(0) scale(1); }
}
body.page-loan-guide .nav-dropdown-menu a {
  position: relative;
  align-items: flex-start;
  gap: .8rem;
  padding: .7rem .8rem;
  border-radius: 12px;
  transition: background .18s var(--lp-ease);
}
body.page-loan-guide .nav-dropdown-menu a:hover,
body.page-loan-guide .nav-dropdown-menu a[aria-current="page"] { background: var(--lp-tint); }
body.page-loan-guide .nav-dropdown-menu a[aria-current="page"]::before {
  content: '';
  position: absolute;
  left: 0;
  top: 50%;
  width: 3px;
  height: 24px;
  margin-top: -12px;
  border-radius: 0 3px 3px 0;
  background: var(--lp-purple);
}
body.page-loan-guide .nav-dropdown-menu a strong { font-size: .89rem; letter-spacing: -.01em; }
body.page-loan-guide .nav-dropdown-menu a small { line-height: 1.45; margin-top: .15rem; }

body.page-loan-guide .dd-lord-icon {
  width: 38px;
  height: 38px;
  border-radius: 11px;
  background: var(--lp-tint);
  border: 1px solid var(--lp-line);
  color: var(--lp-purple);
  transition: background .18s var(--lp-ease), border-color .18s var(--lp-ease);
}
body.page-loan-guide .nav-dropdown-menu a:hover .dd-lord-icon {
  background: var(--lp-tint-deep);
  border-color: var(--purple-mid);
}
body.page-loan-guide .dd-lord-icon svg { width: 20px; height: 20px; }

body.page-loan-guide .nav-cta .btn { padding: .55rem 1.2rem; }

/* ---- Narrow desktop / large tablet: two dropdowns plus four links and
   two CTAs no longer fit at the default spacing, so the bar tightens
   instead of overflowing. Above this band nothing changes. ---- */
@media (min-width: 821px) and (max-width: 1100px) {
  body.page-loan-guide .nav-inner { gap: .6rem; }
  body.page-loan-guide .logo { font-size: 1.1rem; gap: .45rem; }
  body.page-loan-guide .nav-links { gap: 0; }
  body.page-loan-guide .nav-links > a,
  body.page-loan-guide .nav-dropdown-btn {
    padding: .5rem .5rem;
    font-size: .845rem;
  }
  body.page-loan-guide .nav-links > a::after,
  body.page-loan-guide .nav-dropdown-btn::after { bottom: .1rem; }
  body.page-loan-guide .nav-links > a:hover::after,
  body.page-loan-guide .nav-dropdown-btn:hover::after,
  body.page-loan-guide .nav-dropdown.open .nav-dropdown-btn::after,
  body.page-loan-guide .nav-dropdown.is-active .nav-dropdown-btn::after { width: calc(100% - 1rem); }
  body.page-loan-guide .nav-cta { margin-left: .4rem; gap: .4rem; }
  body.page-loan-guide .nav-cta .btn { padding: .48rem .85rem; font-size: .8rem; }
  body.page-loan-guide .dropdown-arrow { font-size: .58rem; }
  body.page-loan-guide .nav-dropdown-menu { min-width: 300px; }
}

/* tightest band — just above the hamburger breakpoint */
@media (min-width: 821px) and (max-width: 920px) {
  body.page-loan-guide .nav-inner { gap: .4rem; padding-left: .9rem; padding-right: .9rem; }
  body.page-loan-guide .logo { font-size: 1.05rem; }
  body.page-loan-guide .nav-links > a,
  body.page-loan-guide .nav-dropdown-btn {
    padding: .5rem .4rem;
    font-size: .82rem;
  }
  body.page-loan-guide .nav-cta { margin-left: .25rem; gap: .35rem; }
  body.page-loan-guide .nav-cta .btn { padding: .45rem .7rem; font-size: .77rem; }
  body.page-loan-guide .nav-dropdown-menu { min-width: 280px; }
}

/* ---- Mobile header ---- */
@media (max-width: 820px) {
  body.page-loan-guide .nav-links {
    /* a later shared rule re-centres these; the drawer reads better left-aligned */
    align-items: stretch;
    padding-left: 1.1rem;
    padding-right: 1.1rem;
    box-shadow: 0 24px 40px -24px rgba(20,16,31,.4);
  }
  body.page-loan-guide .nav-links > a { width: 100%; }
  body.page-loan-guide .nav-links.nav-open { max-height: 80vh; overflow-y: auto; }
  body.page-loan-guide .nav-links > a,
  body.page-loan-guide .nav-dropdown-btn {
    padding: .85rem .75rem;
    border-radius: 12px;
    border-bottom: 1px solid var(--lp-line-soft);
  }
  body.page-loan-guide .nav-links > a::after,
  body.page-loan-guide .nav-dropdown-btn::after { display: none; }
  body.page-loan-guide .nav-dropdown-btn {
    font-weight: 700;
    min-height: 48px;               /* comfortable touch target */
  }
  body.page-loan-guide .nav-dropdown-menu {
    min-width: 0;
    margin: .35rem 0 .5rem;
    padding: .35rem;
    background: var(--lp-tint);
    border: 1px solid var(--lp-line);
    border-radius: 14px;
    animation: lpDropInMobile .25s var(--lp-ease) both;
  }
  @keyframes lpDropInMobile {
    from { opacity: 0; transform: translateY(-4px); }
    to   { opacity: 1; transform: translateY(0); }
  }
  body.page-loan-guide .nav-dropdown-menu a {
    align-items: center;
    min-height: 52px;
    padding: .7rem .65rem;
    border-bottom: 1px solid rgba(140,36,243,.10);
  }
  body.page-loan-guide .nav-dropdown-menu a:last-child { border-bottom: none; }
  body.page-loan-guide .mobile-nav-cta { margin-top: 1rem; padding-top: 1rem; }
}

/* =====================================================
   BREADCRUMB
===================================================== */
body.page-loan-guide .breadcrumb {
  padding: .7rem 0;
  background: var(--lp-soft);
  border-bottom: 1px solid var(--lp-line-soft);
}
body.page-loan-guide .breadcrumb-list {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: .3rem .55rem;
  margin: 0;
  padding: 0;
  list-style: none;
  font-size: .8rem;
  line-height: 1.5;
  color: var(--lp-muted);
}
body.page-loan-guide .breadcrumb-list a {
  color: var(--lp-muted);
  font-weight: 500;
  transition: color .18s var(--lp-ease);
}
body.page-loan-guide .breadcrumb-list a:hover { color: var(--lp-purple); }

/* the "/" stays in the markup and is rendered as a refined chevron */
body.page-loan-guide .breadcrumb-sep {
  display: inline-flex;
  align-items: center;
  font-size: 0;
  color: transparent;
}
body.page-loan-guide .breadcrumb-sep::after {
  content: '\203A';
  font-size: .95rem;
  line-height: 1;
  color: #c6c2d6;
  transform: translateY(-1px);
}
body.page-loan-guide .breadcrumb-current {
  max-width: 100%;
  padding: .2rem .7rem;
  color: var(--lp-ink);
  font-weight: 600;
  background: var(--white);
  border: 1px solid var(--lp-line);
  border-radius: 999px;
  overflow-wrap: anywhere;
}

/* =====================================================
   HERO
===================================================== */
body.page-loan-guide .article-hero {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  padding: clamp(2.5rem, 4.6vw, 4.5rem) 0 clamp(2.25rem, 3.6vw, 3.5rem);
  background:
    radial-gradient(900px 420px at 82% -10%, rgba(140,36,243,.10), transparent 62%),
    radial-gradient(700px 360px at 4% 8%, rgba(140,36,243,.055), transparent 60%),
    linear-gradient(180deg, #fdfcff 0%, #ffffff 78%);
  border-bottom: 1px solid var(--lp-line-soft);
}

/* very subtle grid texture, kept deliberately understated */
body.page-loan-guide .article-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  z-index: -1;
  pointer-events: none;
  background-image:
    linear-gradient(to right, rgba(140,36,243,.045) 1px, transparent 1px),
    linear-gradient(to bottom, rgba(140,36,243,.045) 1px, transparent 1px);
  background-size: 64px 64px;
  -webkit-mask-image: radial-gradient(680px 340px at 78% 0%, #000 0%, transparent 72%);
          mask-image: radial-gradient(680px 340px at 78% 0%, #000 0%, transparent 72%);
}
body.page-loan-guide .article-hero .container { max-width: 1160px; }

body.page-loan-guide .lp-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.12fr) minmax(0, .88fr);
  gap: clamp(1.75rem, 3.4vw, 3.25rem);
  align-items: start;
}
body.page-loan-guide .lp-hero-copy { max-width: 42rem; }

body.page-loan-guide .article-hero .eyebrow {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  margin-bottom: 1.15rem;
  padding: .35rem .8rem;
  font-size: .72rem;
  letter-spacing: .14em;
  color: var(--lp-purple);
  background: var(--lp-tint);
  border: 1px solid var(--purple-mid);
  border-radius: 999px;
}
body.page-loan-guide .article-hero .eyebrow::before {
  content: '';
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--lp-purple);
  box-shadow: 0 0 0 3px rgba(140,36,243,.16);
}

body.page-loan-guide .article-hero h1 {
  margin: 0 0 1.35rem;
  font-family: 'Manrope', 'Inter', sans-serif;
  font-size: clamp(2.15rem, 1.35rem + 3.4vw, 3.4rem);
  font-weight: 800;
  line-height: 1.08;
  letter-spacing: -.028em;
  color: var(--lp-ink);
  text-wrap: balance;
}
body.page-loan-guide .article-hero .hero-sub {
  max-width: 38rem;
  margin: 0 0 1.1rem;
  font-size: clamp(1rem, .95rem + .28vw, 1.115rem);
  line-height: 1.75;
  color: var(--lp-body);
}
body.page-loan-guide .article-hero .hero-sub:last-of-type { margin-bottom: 0; }

/* CTA row sits below both hero zones */
body.page-loan-guide .article-hero .hero-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 1rem;
  margin: clamp(1.75rem, 3vw, 2.5rem) 0 0;
  padding-top: clamp(1.5rem, 2.6vw, 2.1rem);
  border-top: 1px solid var(--lp-line-soft);
}
body.page-loan-guide .article-hero .hero-actions .btn-lg {
  padding: 1.05rem 2.35rem;
  font-size: 1.02rem;
  border-radius: 14px;
  box-shadow: 0 12px 26px -14px rgba(140,36,243,.85);
}

@media (max-width: 980px) {
  body.page-loan-guide .lp-hero-grid { grid-template-columns: minmax(0, 1fr); }
  body.page-loan-guide .lp-hero-copy,
  body.page-loan-guide .article-hero .hero-sub { max-width: none; }
}
@media (max-width: 560px) {
  body.page-loan-guide .article-hero .hero-actions .btn-lg { width: 100%; }
}

/* =====================================================
   CALLOUT / DISCLOSURE CARDS
===================================================== */
body.page-loan-guide .callout-box {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr);
  gap: 1rem;
  align-items: start;
  margin: 1.75rem 0;
  padding: 1.5rem 1.65rem;
  background: linear-gradient(180deg, #fbf8ff 0%, #f8f3ff 100%);
  border: 1px solid var(--purple-mid);
  border-left: 4px solid var(--lp-purple);
  border-radius: 16px;
  box-shadow: var(--lp-shadow-sm);
}
body.page-loan-guide .callout-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  width: 40px;
  height: 40px;
  border-radius: 12px;
  background: var(--white);
  border: 1px solid var(--purple-mid);
  color: var(--lp-purple);
  font-size: 1rem;
  line-height: 1;
  box-shadow: var(--lp-shadow-xs);
}
body.page-loan-guide .callout-icon svg { width: 21px; height: 21px; }
body.page-loan-guide .callout-box h4 {
  margin: .35rem 0 .5rem;
  font-family: 'Manrope', 'Inter', sans-serif;
  font-size: .82rem;
  font-weight: 800;
  letter-spacing: .09em;
  text-transform: uppercase;
  color: var(--lp-purple-ink);
}
body.page-loan-guide .callout-box p {
  margin: 0;
  font-size: .945rem;
  line-height: 1.72;
  color: var(--lp-body);
}
body.page-loan-guide .callout-box a {
  color: var(--lp-purple-deep);
  font-weight: 600;
  text-decoration: underline;
  text-decoration-thickness: 1px;
  text-underline-offset: 2px;
}
body.page-loan-guide .callout-box a:hover { color: var(--lp-purple); }

/* hero variant — elevated card in the right-hand zone */
body.page-loan-guide .callout-hero {
  margin: 0;
  padding: 1.6rem 1.7rem;
  background: rgba(255,255,255,.86);
  -webkit-backdrop-filter: blur(8px);
          backdrop-filter: blur(8px);
  border-radius: 20px;
  box-shadow: var(--lp-shadow-lg);
}
@media (min-width: 981px) {
  body.page-loan-guide .lp-hero-aside {
    position: sticky;
    top: calc(var(--nav-h) + 1.25rem);
  }
}

/* final compliance panel — neutral, never advertorial */
body.page-loan-guide .callout-final {
  margin-top: 2.75rem;
  padding: 1.75rem 1.85rem;
  background: linear-gradient(180deg, #fafaff 0%, #f6f5fb 100%);
  border-color: var(--lp-line);
  border-left-color: var(--lp-purple);
}
body.page-loan-guide .callout-final .callout-icon {
  background: var(--white);
  border-color: var(--lp-line);
}
body.page-loan-guide .callout-final h4 { color: var(--lp-ink); }
body.page-loan-guide .callout-final p { font-size: .9rem; color: var(--lp-muted); }

@media (max-width: 480px) {
  body.page-loan-guide .callout-box { gap: .85rem; padding: 1.25rem 1.15rem; }
}

/* =====================================================
   ARTICLE BODY — editorial reading experience
===================================================== */
body.page-loan-guide .article-body {
  max-width: var(--lp-measure);
  margin: 0 auto;
  padding: clamp(2.75rem, 5vw, 4.5rem) 1.25rem clamp(2.5rem, 4vw, 3.5rem);
}

body.page-loan-guide .article-body h2 {
  position: relative;
  margin: clamp(3rem, 5vw, 4.25rem) 0 1.1rem;
  padding-top: clamp(2rem, 3.2vw, 2.75rem);
  border-top: 1px solid var(--lp-line-soft);
  font-family: 'Manrope', 'Inter', sans-serif;
  font-size: clamp(1.7rem, 1.25rem + 1.6vw, 2.4rem);
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -.024em;
  color: var(--lp-ink);
  text-wrap: balance;
}

/* purple accent rule above every H2 */
body.page-loan-guide .article-body h2::before {
  content: '';
  display: block;
  width: 46px;
  height: 4px;
  margin-bottom: 1.1rem;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--lp-purple) 0%, #c084fc 100%);
}
body.page-loan-guide .article-body h2:first-of-type {
  margin-top: 0;
  padding-top: 0;
  border-top: none;
}

body.page-loan-guide .article-body h3 {
  margin: 2.25rem 0 .75rem;
  font-family: 'Manrope', 'Inter', sans-serif;
  font-size: clamp(1.2rem, 1.1rem + .45vw, 1.4rem);
  font-weight: 800;
  line-height: 1.32;
  letter-spacing: -.015em;
  color: var(--lp-ink);
}

body.page-loan-guide .article-body p {
  margin: 0 0 1.25rem;
  font-size: clamp(1rem, .97rem + .16vw, 1.075rem);
  line-height: 1.78;
  color: var(--lp-body);
}
body.page-loan-guide .article-body p > strong { color: var(--lp-ink); font-weight: 700; }

body.page-loan-guide .article-body a {
  color: var(--lp-purple-deep);
  font-weight: 600;
  text-decoration: underline;
  text-decoration-thickness: 1px;
  text-decoration-color: rgba(140,36,243,.35);
  text-underline-offset: 3px;
  transition: color .18s var(--lp-ease), text-decoration-color .18s var(--lp-ease);
}
body.page-loan-guide .article-body a:hover {
  color: var(--lp-purple);
  text-decoration-color: var(--lp-purple);
}

/* =====================================================
   LISTS
===================================================== */
body.page-loan-guide .article-body ul,
body.page-loan-guide .article-body ol {
  margin: 0 0 1.6rem;
  padding: 0;
  list-style: none;
}
body.page-loan-guide .article-body li {
  position: relative;
  margin-bottom: .7rem;
  padding-left: 1.85rem;
  font-size: clamp(.98rem, .95rem + .14vw, 1.05rem);
  line-height: 1.75;
  color: var(--lp-body);
  overflow-wrap: break-word;
}
body.page-loan-guide .article-body li:last-child { margin-bottom: 0; }

body.page-loan-guide .article-body ul > li::before {
  content: '';
  position: absolute;
  left: .3rem;
  top: .66em;
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--lp-purple);
  box-shadow: 0 0 0 3.5px rgba(140,36,243,.13);
}

body.page-loan-guide .article-body ol { counter-reset: lp-ol; }
body.page-loan-guide .article-body ol > li {
  counter-increment: lp-ol;
  padding-left: 2.35rem;
}
body.page-loan-guide .article-body ol > li::before {
  content: counter(lp-ol);
  position: absolute;
  left: 0;
  top: .1em;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 25px;
  height: 25px;
  border-radius: 8px;
  background: var(--lp-tint);
  border: 1px solid var(--purple-mid);
  color: var(--lp-purple-deep);
  font-family: 'Manrope', 'Inter', sans-serif;
  font-size: .76rem;
  font-weight: 800;
  line-height: 1;
}

/* =====================================================
   PROCESS TIMELINE
===================================================== */
body.page-loan-guide .process-timeline {
  position: relative;
  margin: 2rem 0 2.5rem;
  padding-left: 66px;
}
body.page-loan-guide .process-timeline::before {
  content: '';
  position: absolute;
  left: 22px;
  top: 26px;
  bottom: 26px;
  width: 2px;
  border-radius: 2px;
  background: linear-gradient(180deg, var(--purple-mid) 0%, var(--lp-tint-deep) 55%, transparent 100%);
}

body.page-loan-guide .process-step {
  position: relative;
  display: block;
  margin: 0 0 1rem;
  padding: 1.4rem 1.6rem;
  background: var(--white);
  border: 1px solid var(--lp-line);
  border-radius: 16px;
  box-shadow: var(--lp-shadow-xs);
  transition: transform .28s var(--lp-ease), box-shadow .28s var(--lp-ease), border-color .28s var(--lp-ease);
}
body.page-loan-guide .process-step:last-child { margin-bottom: 0; }
body.page-loan-guide .process-step:hover {
  transform: translateY(-3px);
  border-color: var(--purple-mid);
  box-shadow: var(--lp-shadow-md);
}

body.page-loan-guide .process-num {
  position: absolute;
  left: -66px;
  top: 1.05rem;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: linear-gradient(160deg, var(--lp-purple) 0%, var(--lp-purple-deep) 100%);
  color: #fff;
  font-family: 'Manrope', 'Inter', sans-serif;
  font-size: .95rem;
  font-weight: 800;
  box-shadow: 0 0 0 5px #fff, 0 0 0 6px var(--lp-line), 0 8px 18px -10px rgba(93,16,189,.9);
  transition: transform .28s var(--lp-ease);
}
/* renders 1 as 01 without touching the markup */
body.page-loan-guide .process-num::before { content: '0'; opacity: .55; }
body.page-loan-guide .process-step:hover .process-num { transform: scale(1.06); }

body.page-loan-guide .process-step h3 {
  margin: 0 0 .5rem;
  font-size: clamp(1.12rem, 1.05rem + .3vw, 1.28rem);
  line-height: 1.35;
  color: var(--lp-ink);
}
body.page-loan-guide .process-step p {
  margin: 0;
  font-size: .965rem;
  line-height: 1.72;
  color: var(--lp-body);
}

@media (max-width: 640px) {
  body.page-loan-guide .process-timeline { padding-left: 46px; }
  body.page-loan-guide .process-timeline::before { left: 17px; top: 20px; bottom: 20px; }
  body.page-loan-guide .process-step { padding: 1.15rem; border-radius: 14px; }
  body.page-loan-guide .process-num {
    left: -46px;
    top: .95rem;
    width: 36px;
    height: 36px;
    font-size: .82rem;
    box-shadow: 0 0 0 4px #fff, 0 0 0 5px var(--lp-line);
  }
}

/* =====================================================
   INLINE ARTICLE CTA
===================================================== */
body.page-loan-guide .article-cta {
  margin: 2.5rem 0;
  padding: 1.9rem 1.5rem;
  text-align: center;
  background:
    radial-gradient(520px 180px at 50% 0%, rgba(140,36,243,.09), transparent 70%),
    var(--lp-soft);
  border: 1px solid var(--lp-line);
  border-radius: 18px;
}
body.page-loan-guide .article-cta .btn-lg {
  padding: .95rem 2.15rem;
  font-size: 1rem;
  border-radius: 13px;
  box-shadow: 0 12px 24px -14px rgba(140,36,243,.9);
}
@media (max-width: 480px) {
  body.page-loan-guide .article-cta { padding: 1.4rem 1rem; }
  body.page-loan-guide .article-cta .btn-lg { width: 100%; }
}

/* =====================================================
   COST / APR TABLE
===================================================== */
body.page-loan-guide .article-table-wrap {
  margin: 1.75rem 0 1rem;
  border: 1px solid var(--lp-line);
  border-radius: 16px;
  background: var(--white);
  box-shadow: var(--lp-shadow-sm);
  overflow-x: auto;
  overflow-y: hidden;
  -webkit-overflow-scrolling: touch;
  /* edge shadows that appear only while the table can scroll */
  background-image:
    linear-gradient(to right, #fff 30%, rgba(255,255,255,0)),
    linear-gradient(to right, rgba(255,255,255,0), #fff 70%),
    linear-gradient(to right, rgba(20,16,31,.09), rgba(255,255,255,0)),
    linear-gradient(to left,  rgba(20,16,31,.09), rgba(255,255,255,0));
  background-position: 0 0, 100% 0, 0 0, 100% 0;
  background-repeat: no-repeat;
  background-size: 32px 100%, 32px 100%, 14px 100%, 14px 100%;
  background-attachment: local, local, scroll, scroll;
}
body.page-loan-guide .article-table {
  width: 100%;
  min-width: 540px;
  border-collapse: separate;
  border-spacing: 0;
  font-size: .92rem;
  font-variant-numeric: tabular-nums;
}
body.page-loan-guide .article-table th,
body.page-loan-guide .article-table td {
  padding: .95rem 1.1rem;
  border: none;
  border-bottom: 1px solid var(--lp-line-soft);
  text-align: right;
  white-space: nowrap;
}
body.page-loan-guide .article-table th:first-child,
body.page-loan-guide .article-table td:first-child { text-align: left; }
body.page-loan-guide .article-table thead th {
  background: var(--lp-soft);
  border-bottom: 1px solid var(--lp-line);
  font-family: 'Manrope', 'Inter', sans-serif;
  font-size: .74rem;
  font-weight: 800;
  letter-spacing: .07em;
  text-transform: uppercase;
  color: var(--lp-muted);
  white-space: normal;
}
body.page-loan-guide .article-table tbody tr:nth-child(even) td { background: #fcfcfe; }
body.page-loan-guide .article-table tbody tr:last-child td { border-bottom: none; }
body.page-loan-guide .article-table tbody td { color: var(--lp-body); font-weight: 500; }
body.page-loan-guide .article-table tbody td:first-child { color: var(--lp-ink); font-weight: 700; }

/* highlighted total-repayment column */
body.page-loan-guide .article-table th:nth-child(3),
body.page-loan-guide .article-table td:nth-child(3) {
  background: var(--lp-tint);
  color: var(--lp-purple-ink);
  font-weight: 800;
  box-shadow: inset 1px 0 0 var(--purple-mid), inset -1px 0 0 var(--purple-mid);
}
body.page-loan-guide .article-table tbody tr:nth-child(even) td:nth-child(3) { background: #f4ecff; }
body.page-loan-guide .article-table thead th:nth-child(3) { color: var(--lp-purple-deep); }

body.page-loan-guide .table-footnote {
  margin: 0 0 1.5rem;
  padding-left: .9rem;
  border-left: 2px solid var(--lp-line);
  font-size: .82rem;
  line-height: 1.7;
  color: var(--lp-muted);
}

/* =====================================================
   $300 WORKED EXAMPLE CARD
===================================================== */
body.page-loan-guide .example-card {
  margin: 2.25rem 0 1.5rem;
  padding: clamp(1.4rem, 2.6vw, 2rem);
  background:
    radial-gradient(560px 220px at 100% 0%, rgba(140,36,243,.07), transparent 68%),
    var(--white);
  border: 1px solid var(--lp-line);
  border-radius: 20px;
  box-shadow: var(--lp-shadow-sm);
}
body.page-loan-guide .example-card h3 { margin-top: 0; }
body.page-loan-guide .example-card > p { margin-bottom: 1.35rem; }

body.page-loan-guide .article-body ul.example-figures {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: .85rem;
  margin: 0;
  padding: 0;
}
body.page-loan-guide .article-body ul.example-figures > li::before { content: none; }
body.page-loan-guide .example-figures > li {
  display: flex;
  flex-direction: column;
  gap: .3rem;
  margin: 0;
  padding: 1rem 1.05rem;
  background: var(--lp-soft);
  border: 1px solid var(--lp-line);
  border-radius: 14px;
  font-size: .74rem;
  font-weight: 700;
  line-height: 1.4;
  letter-spacing: .04em;
  text-transform: uppercase;
  color: var(--lp-muted);
}
body.page-loan-guide .example-figures > li > strong {
  display: block;
  font-family: 'Manrope', 'Inter', sans-serif;
  font-size: clamp(1.15rem, 1rem + .7vw, 1.5rem);
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -.02em;
  color: var(--lp-ink);
  text-transform: none;
}
/* the headline figure — total repayment */
body.page-loan-guide .example-figures > li:nth-child(3) {
  background: var(--lp-tint);
  border-color: var(--purple-mid);
  color: var(--lp-purple-deep);
}
body.page-loan-guide .example-figures > li:nth-child(3) > strong { color: var(--lp-purple-deep); }

/* the fourth figure carries trailing prose, so it stays inline and sentence-cased */
body.page-loan-guide .example-figures > li:nth-child(4) {
  display: block;
  font-size: .875rem;
  font-weight: 500;
  line-height: 1.6;
  letter-spacing: 0;
  text-transform: none;
  color: var(--lp-body);
}
body.page-loan-guide .example-figures > li:nth-child(4) > strong {
  display: inline;
  font-family: 'Inter', sans-serif;
  font-size: 1rem;
  letter-spacing: -.005em;
  color: var(--lp-ink);
}

@media (max-width: 860px) {
  body.page-loan-guide .article-body ul.example-figures { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 560px) {
  body.page-loan-guide .article-body ul.example-figures { grid-template-columns: minmax(0, 1fr); }
}

/* =====================================================
   PROTECT-YOURSELF GRID
===================================================== */
body.page-loan-guide .protect-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
  margin: 1.75rem 0 2rem;
}
body.page-loan-guide .protect-card {
  display: flex;
  flex-direction: column;
  padding: 1.5rem 1.4rem;
  background: linear-gradient(180deg, #ffffff 0%, #fcfbff 100%);
  border: 1px solid var(--lp-line);
  border-radius: 16px;
  box-shadow: var(--lp-shadow-xs);
  transition: transform .28s var(--lp-ease), box-shadow .28s var(--lp-ease), border-color .28s var(--lp-ease);
}
body.page-loan-guide .protect-card:hover {
  transform: translateY(-4px);
  border-color: var(--purple-mid);
  box-shadow: var(--lp-shadow-md);
}
body.page-loan-guide .protect-card h3 {
  margin: 0 0 .6rem;
  font-size: 1.08rem;
  line-height: 1.45;
  color: var(--lp-ink);
}
/* the leading glyph of each heading gets one consistent tile treatment —
   purely visual, the heading text itself is untouched */
body.page-loan-guide .protect-card h3::first-letter {
  font-size: 1.05rem;
  line-height: 1;
  background: var(--lp-tint);
  border: 1px solid var(--purple-mid);
  border-radius: 9px;
  padding: .4rem .42rem;
  margin-right: .5rem;
}
body.page-loan-guide .protect-card p {
  margin: 0;
  font-size: .93rem;
  line-height: 1.7;
  color: var(--lp-body);
}
@media (max-width: 900px) {
  body.page-loan-guide .protect-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 600px) {
  body.page-loan-guide .protect-grid { grid-template-columns: minmax(0, 1fr); }
}

/* =====================================================
   FAQ ACCORDION
===================================================== */
body.page-loan-guide .city-faq-list {
  max-width: none;
  display: flex;
  flex-direction: column;
  gap: .7rem;
  margin: 1.75rem 0 0;
}
body.page-loan-guide .city-faq-item {
  background: var(--white);
  border: 1px solid var(--lp-line);
  border-radius: 14px;
  overflow: hidden;
  box-shadow: var(--lp-shadow-xs);
  transition: border-color .25s var(--lp-ease), box-shadow .25s var(--lp-ease);
}
body.page-loan-guide .city-faq-item:hover { border-color: var(--purple-mid); }
body.page-loan-guide .city-faq-item.open {
  border-color: var(--purple-mid);
  box-shadow: var(--lp-shadow-md);
}

body.page-loan-guide .city-faq-btn {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1.15rem 1.35rem;
  background: none;
  border: none;
  font-family: 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 700;
  line-height: 1.5;
  letter-spacing: -.01em;
  color: var(--lp-ink);
  text-align: left;
  cursor: pointer;
  transition: color .2s var(--lp-ease), background .2s var(--lp-ease);
}
body.page-loan-guide .city-faq-btn:hover { color: var(--lp-purple); background: #fdfbff; }
body.page-loan-guide .city-faq-item.open .city-faq-btn { color: var(--lp-purple-deep); }

/* plus / minus control drawn with pseudo-elements */
body.page-loan-guide .city-faq-icon {
  position: relative;
  flex-shrink: 0;
  width: 30px;
  height: 30px;
  border-radius: 9px;
  background: var(--lp-tint);
  border: 1px solid var(--purple-mid);
  font-size: 0;
  color: transparent;
  transition: background .25s var(--lp-ease), border-color .25s var(--lp-ease);
}
body.page-loan-guide .city-faq-icon::before,
body.page-loan-guide .city-faq-icon::after {
  content: '';
  position: absolute;
  top: 50%;
  left: 50%;
  width: 12px;
  height: 2px;
  margin: -1px 0 0 -6px;
  border-radius: 2px;
  background: var(--lp-purple);
  transition: transform .3s var(--lp-ease), opacity .25s var(--lp-ease), background .25s var(--lp-ease);
}
body.page-loan-guide .city-faq-icon::after { transform: rotate(90deg); }
body.page-loan-guide .city-faq-item.open .city-faq-icon {
  background: var(--lp-purple);
  border-color: var(--lp-purple);
}
body.page-loan-guide .city-faq-item.open .city-faq-icon::before,
body.page-loan-guide .city-faq-item.open .city-faq-icon::after { background: #fff; }
body.page-loan-guide .city-faq-item.open .city-faq-icon::after { transform: rotate(0deg); opacity: 0; }

body.page-loan-guide .city-faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height .38s var(--lp-ease);
}
body.page-loan-guide .city-faq-answer p {
  margin: 0 1.35rem 1.25rem;
  padding: 1rem 0 0;
  border-top: 1px solid var(--lp-line-soft);
  font-size: .965rem;
  line-height: 1.78;
  color: var(--lp-body);
}

/* =====================================================
   MID CTA BAND
===================================================== */
body.page-loan-guide .mid-cta {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  padding: clamp(3rem, 5.5vw, 4.75rem) 0;
  background: linear-gradient(135deg, #7a17e0 0%, #5d10bd 55%, #4a0b9c 100%);
}
body.page-loan-guide .mid-cta::before,
body.page-loan-guide .mid-cta::after {
  content: '';
  position: absolute;
  z-index: -1;
  border-radius: 50%;
  pointer-events: none;
}
body.page-loan-guide .mid-cta::before {
  width: 460px;
  height: 460px;
  top: -230px;
  right: -110px;
  background: radial-gradient(circle, rgba(255,255,255,.14) 0%, transparent 68%);
}
body.page-loan-guide .mid-cta::after {
  width: 380px;
  height: 380px;
  bottom: -220px;
  left: -90px;
  background: radial-gradient(circle, rgba(255,255,255,.10) 0%, transparent 68%);
}
body.page-loan-guide .mid-cta-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1.75rem;
}
body.page-loan-guide .mid-cta h2 {
  font-family: 'Manrope', 'Inter', sans-serif;
  font-size: clamp(1.6rem, 1.25rem + 1.3vw, 2.15rem);
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -.024em;
  color: #fff;
  text-wrap: balance;
}
body.page-loan-guide .mid-cta p {
  margin-top: .55rem;
  font-size: 1.02rem;
  color: rgba(255,255,255,.82);
}
body.page-loan-guide .mid-cta .btn-white {
  padding: 1rem 2.2rem;
  font-size: 1rem;
  border-radius: 13px;
  color: var(--lp-purple-deep);
  box-shadow: 0 16px 34px -18px rgba(0,0,0,.65);
}
body.page-loan-guide .mid-cta .btn-white:hover { background: #fff; transform: translateY(-2px); }
@media (max-width: 620px) {
  body.page-loan-guide .mid-cta-actions,
  body.page-loan-guide .mid-cta .btn-white { width: 100%; }
  body.page-loan-guide .mid-cta .btn-white { justify-content: center; }
}

/* =====================================================
   FOOTER POLISH  (structure and wording untouched)
===================================================== */
body.page-loan-guide footer { padding-top: clamp(3rem, 5vw, 4.25rem); }
body.page-loan-guide .footer-inner { gap: 3rem; padding-bottom: 3rem; }
body.page-loan-guide .footer-brand p { max-width: 34rem; }
body.page-loan-guide .footer-col h4 {
  margin-bottom: 1.05rem;
  font-family: 'Manrope', 'Inter', sans-serif;
  font-size: .76rem;
  letter-spacing: .05em;
  text-transform: uppercase;
  color: rgba(255,255,255,.55);
}
body.page-loan-guide .footer-links { gap: .65rem; }
body.page-loan-guide .footer-links a {
  display: inline-block;
  transition: color .18s var(--lp-ease), transform .18s var(--lp-ease);
}
body.page-loan-guide .footer-links a:hover { color: #fff; transform: translateX(3px); }
body.page-loan-guide .footer-badge {
  border: 1px solid rgba(255,255,255,.10);
  transition: background .18s var(--lp-ease), color .18s var(--lp-ease);
}
body.page-loan-guide .footer-badge:hover { background: rgba(255,255,255,.14); color: #fff; }
body.page-loan-guide .footer-bottom { gap: 1.25rem; padding: 1.75rem 0; }
@media (max-width: 900px) {
  body.page-loan-guide .footer-inner { grid-template-columns: 1fr 1fr; gap: 2.25rem; }
  body.page-loan-guide .footer-brand { grid-column: 1 / -1; }
}
@media (max-width: 560px) {
  body.page-loan-guide .footer-inner { grid-template-columns: 1fr; }
  body.page-loan-guide .footer-bottom { flex-direction: column; align-items: flex-start; }
}

/* =====================================================
   STICKY MOBILE CTA
===================================================== */
body.page-loan-guide .sticky-cta {
  padding: .75rem 1.1rem calc(.75rem + env(safe-area-inset-bottom));
  background: rgba(255,255,255,.94);
  -webkit-backdrop-filter: blur(12px);
          backdrop-filter: blur(12px);
  border-top: 1px solid var(--lp-line);
  box-shadow: 0 -8px 26px -18px rgba(20,16,31,.6);
}
body.page-loan-guide .sticky-cta .btn { padding: .7rem 1rem; border-radius: 12px; }

/* slides in once the reader is into the article; stays hidden on desktop */
@media (max-width: 820px) {
  body.page-loan-guide .sticky-cta {
    transform: translateY(120%);
    transition: transform .35s var(--lp-ease);
    will-change: transform;
  }
  body.page-loan-guide .sticky-cta.is-visible { transform: none; }
}

/* =====================================================
   REVEAL ANIMATION
===================================================== */
body.page-loan-guide .reveal-ready {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity .55s var(--lp-ease), transform .55s var(--lp-ease);
}
body.page-loan-guide .reveal-ready.revealed {
  opacity: 1;
  transform: none;
}
/* nothing may stay hidden if scripting is unavailable */
@media (scripting: none) {
  body.page-loan-guide .reveal-ready { opacity: 1; transform: none; }
}

/* =====================================================
   REDUCED MOTION
===================================================== */
@media (prefers-reduced-motion: reduce) {
  body.page-loan-guide *,
  body.page-loan-guide *::before,
  body.page-loan-guide *::after {
    animation-duration: .001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .001ms !important;
    scroll-behavior: auto !important;
  }
  body.page-loan-guide .reveal-ready { opacity: 1; transform: none; }
  body.page-loan-guide .btn:hover,
  body.page-loan-guide .process-step:hover,
  body.page-loan-guide .protect-card:hover,
  body.page-loan-guide .mid-cta .btn-white:hover { transform: none; }
}

/* =====================================================
   PRINT
===================================================== */
@media print {
  body.page-loan-guide .nav,
  body.page-loan-guide .sticky-cta,
  body.page-loan-guide .mid-cta,
  body.page-loan-guide .article-cta { display: none !important; }
  body.page-loan-guide .city-faq-answer { max-height: none !important; }
  body.page-loan-guide .article-body { max-width: none; padding: 0; }
}