/*
Theme Name: Loans Inc Light
Theme URI: https://loansinc.com
Description: Professional light-mode theme for Loans Inc. Modern trusted-bank aesthetic with badges and social proof.
Version: 2.0.0
Author: Knuckles / Sonic Authority Sites
Text Domain: loansinc
Tags: light, professional, finance, trust, authority, mobile-first
*/

@import url('https://fonts.googleapis.com/css2?family=DM+Serif+Display:ital@0;1&family=Plus+Jakarta+Sans:wght@400;500;600;700;800&display=swap');

/* ========================================
   CSS Variables
   ======================================== */
:root {
  --navy:        #1B3A6B;
  --navy-dark:   #122950;
  --navy-light:  #2a5298;
  --gold:        #D4A026;
  --gold-light:  #F0BC40;
  --gold-dim:    rgba(212,160,38,0.12);
  --white:       #ffffff;
  --bg:          #f5f7fa;
  --bg-card:     #ffffff;
  --text:        #1a2332;
  --text-mid:    #4a5568;
  --text-muted:  #718096;
  --border:      #e2e8f0;
  --border-dark: #cbd5e0;
  --success:     #2f855a;
  --shadow-sm:   0 1px 3px rgba(0,0,0,0.08), 0 1px 2px rgba(0,0,0,0.04);
  --shadow-md:   0 4px 16px rgba(0,0,0,0.08), 0 2px 4px rgba(0,0,0,0.04);
  --shadow-lg:   0 10px 40px rgba(0,0,0,0.1), 0 4px 8px rgba(0,0,0,0.05);
  --font-head:   'DM Serif Display', Georgia, serif;
  --font-body:   'Plus Jakarta Sans', -apple-system, sans-serif;
  --max-w:       1160px;
  --radius:      12px;
}

/* ========================================
   Base
   ======================================== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 16px; scroll-behavior: smooth; }
body {
  font-family: var(--font-body);
  background: var(--bg);
  color: var(--text);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
h1,h2,h3,h4,h5,h6 {
  font-family: var(--font-head);
  font-weight: 400;
  line-height: 1.25;
  color: var(--navy);
  text-wrap: balance;
}
a { color: var(--navy); text-decoration: none; touch-action: manipulation; }
a:hover { color: var(--navy-light); }
img { max-width: 100%; height: auto; display: block; }
button, a { touch-action: manipulation; }
p { margin-bottom: 1rem; }

/* ========================================
   Layout
   ======================================== */
.container { max-width: var(--max-w); margin: 0 auto; padding: 0 20px; }
.site-container { display: flex; flex-direction: column; min-height: 100vh; }
.site-content { flex: 1; }

/* ========================================
   HEADER
   ======================================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 999;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  height: 68px;
  display: flex;
  align-items: center;
  transition: box-shadow 0.3s;
}
.site-header.scrolled { box-shadow: var(--shadow-md); }
.site-header .container {
  display: flex; align-items: center;
  justify-content: space-between; width: 100%;
}
.site-branding { display: flex; align-items: center; gap: 10px; }
.site-title { font-family: var(--font-body); font-size: 1rem; font-weight: 800; margin: 0; }
.site-title a { color: var(--navy); display: flex; align-items: center; gap: 10px; }
.site-title a:hover { color: var(--navy-dark); }
.site-description { display: none; }

/* Logo SVG */
.logo-icon {
  width: 38px; height: 38px; flex-shrink: 0;
}

.logo-wordmark {
  display: flex; flex-direction: column; line-height: 1;
}
.logo-line1 {
  font-size: 1.1rem; font-weight: 800;
  color: var(--navy); letter-spacing: -0.02em;
}
.logo-line2 {
  font-size: 0.6rem; font-weight: 600;
  color: var(--gold); letter-spacing: 0.12em;
  text-transform: uppercase;
}

/* Nav */
.main-navigation ul { display: flex; list-style: none; gap: 4px; align-items: center; }
.main-navigation a {
  color: var(--text-mid); font-size: 0.88rem; font-weight: 600;
  transition: color 0.2s; padding: 8px 12px; border-radius: 6px;
}
.main-navigation a:hover { color: var(--navy); background: var(--bg); text-decoration: none; }
.main-navigation .nav-cta > a {
  background: var(--navy);
  color: var(--white) !important;
  padding: 9px 20px;
  border-radius: 8px;
  font-weight: 700;
  font-size: 0.85rem;
  margin-left: 8px;
  transition: all 0.2s;
}
.main-navigation .nav-cta > a:hover {
  background: var(--navy-dark);
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(27,58,107,0.3);
}

/* Mobile hamburger */
.nav-toggle {
  display: none; background: none; border: none;
  cursor: pointer; padding: 8px; flex-direction: column; gap: 5px;
}
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--navy); border-radius: 2px; }
.mobile-nav {
  display: none; flex-direction: column;
  background: var(--white); border-bottom: 1px solid var(--border);
  padding: 20px; gap: 4px; box-shadow: var(--shadow-md);
}
.mobile-nav.open { display: flex; }
.mobile-nav a {
  color: var(--text); font-size: 0.95rem; font-weight: 600;
  padding: 10px 12px; border-radius: 8px; transition: background 0.2s;
}
.mobile-nav a:hover { background: var(--bg); }

/* ========================================
   TRUST BAR (below header)
   ======================================== */
.trust-topbar {
  background: var(--navy);
  padding: 9px 0;
  text-align: center;
}
.trust-topbar-inner {
  display: flex; justify-content: center; flex-wrap: wrap;
  gap: 6px 24px;
}
.trust-topbar-item {
  display: flex; align-items: center; gap: 6px;
  font-size: 0.78rem; font-weight: 600;
  color: rgba(255,255,255,0.9); letter-spacing: 0.02em;
}
.trust-topbar-item svg { flex-shrink: 0; }

/* ========================================
   HERO
   ======================================== */
.home-hero {
  background: linear-gradient(160deg, #eef2f9 0%, var(--white) 60%);
  padding: 72px 0 64px;
  position: relative;
  overflow: hidden;
}
.home-hero::before {
  content: '';
  position: absolute; top: 0; right: -100px;
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(212,160,38,0.08) 0%, transparent 65%);
  pointer-events: none;
}
.home-hero::after {
  content: '';
  position: absolute; bottom: -80px; left: -80px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(27,58,107,0.06) 0%, transparent 65%);
  pointer-events: none;
}
.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero-copy { max-width: 520px; }
.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--gold-dim);
  border: 1px solid rgba(212,160,38,0.3);
  color: #8a6200;
  padding: 5px 14px;
  border-radius: 20px;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 22px;
}
.home-hero h1 {
  font-size: clamp(2.4rem, 4.5vw, 3.4rem);
  font-weight: 400;
  line-height: 1.1;
  margin-bottom: 20px;
  color: var(--navy-dark);
}
.home-hero h1 em { font-style: italic; color: var(--gold); }
.hero-sub {
  font-size: 1.1rem; color: var(--text-mid);
  max-width: 440px; line-height: 1.7; margin-bottom: 32px;
}
.trust-row {
  display: flex; flex-wrap: wrap; gap: 10px 20px; margin-bottom: 36px;
}
.trust-item {
  display: flex; align-items: center; gap: 7px;
  font-size: 0.83rem; font-weight: 600; color: var(--text);
}
.trust-check {
  width: 18px; height: 18px;
  background: var(--success);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: white; font-size: 0.65rem; font-weight: 800; flex-shrink: 0;
}

/* Social proof strip below trust badges */
.social-proof {
  display: flex; align-items: center; gap: 14px;
  padding: 14px 18px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 10px;
  box-shadow: var(--shadow-sm);
  max-width: 380px;
}
.sp-avatars { display: flex; }
.sp-avatar {
  width: 30px; height: 30px;
  border-radius: 50%;
  border: 2px solid white;
  background: var(--navy-light);
  margin-right: -8px;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.65rem; font-weight: 700; color: white;
  flex-shrink: 0;
}
.sp-avatar:nth-child(2) { background: #2f855a; }
.sp-avatar:nth-child(3) { background: #c05621; }
.sp-text { font-size: 0.8rem; color: var(--text-mid); line-height: 1.4; }
.sp-text strong { color: var(--text); font-weight: 700; }
.sp-stars { color: var(--gold); font-size: 0.85rem; letter-spacing: -1px; }

/* Hero form side */
.hero-form-side { position: relative; }

/* ========================================
   IFRAME WRAPPER
   ======================================== */
.iframe-wrapper {
  background: var(--white);
  border-radius: 16px;
  border: 1px solid var(--border-dark);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  position: relative;
}
.iframe-label {
  background: var(--navy);
  color: white;
  padding: 14px 20px;
  font-size: 0.88rem;
  font-weight: 700;
  text-align: center;
  display: flex; align-items: center; justify-content: center; gap: 8px;
}
.iframe-label::before {
  content: '🔒';
  font-size: 0.9rem;
}
.iframe-wrapper iframe {
  display: block; width: 100%; border: 0;
  height: 520px;
}
.iframe-badge {
  background: #f0fff4;
  border-top: 1px solid #c6f6d5;
  padding: 10px 20px;
  font-size: 0.75rem;
  color: var(--success);
  font-weight: 600;
  text-align: center;
  display: flex; align-items: center; justify-content: center; gap: 6px;
}

/* Page iframe (narrower) */
.page-iframe-wrap { max-width: 680px; margin: 40px auto 0; }
.page-iframe-wrap .iframe-wrapper { box-shadow: var(--shadow-lg); }

/* ========================================
   LENDER BADGES / TRUST SECTION
   ======================================== */
.lender-trust {
  background: var(--white);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 32px 0;
  text-align: center;
}
.lender-trust-label {
  font-size: 0.75rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 0.1em;
  color: var(--text-muted); margin-bottom: 20px;
}
.badge-row {
  display: flex; align-items: center; justify-content: center;
  flex-wrap: wrap; gap: 24px 36px;
}
.trust-badge-item {
  display: flex; align-items: center; gap: 8px;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 10px 16px;
  font-size: 0.82rem; font-weight: 700;
  color: var(--text-mid);
}
.badge-icon { font-size: 1.1rem; }

/* ========================================
   HOW IT WORKS
   ======================================== */
.how-it-works {
  background: var(--bg);
  padding: 88px 0;
  text-align: center;
}
.section-eyebrow {
  font-size: 0.75rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 0.1em;
  color: var(--gold); margin-bottom: 12px;
  font-family: var(--font-body);
}
.section-heading {
  font-size: clamp(1.8rem, 3.5vw, 2.6rem);
  margin-bottom: 12px;
}
.section-sub {
  color: var(--text-muted); font-size: 1rem;
  max-width: 500px; margin: 0 auto 52px;
}
.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 24px; max-width: 860px; margin: 0 auto;
}
.step-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 36px 28px;
  text-align: center;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.2s, transform 0.2s;
}
.step-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.step-num {
  width: 52px; height: 52px;
  background: var(--navy);
  color: white;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-body);
  font-size: 1.3rem; font-weight: 800;
  margin: 0 auto 20px;
}
.step-card h3 { font-family: var(--font-body); font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.step-card p { font-size: 0.9rem; color: var(--text-muted); line-height: 1.65; margin: 0; }

/* ========================================
   STATS BAR
   ======================================== */
.stats-bar {
  background: var(--navy);
  padding: 56px 0;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: 24px; text-align: center;
}
.stat-num {
  font-family: var(--font-head);
  font-size: 2.8rem;
  color: var(--gold); line-height: 1;
}
.stat-label { font-size: 0.82rem; color: rgba(255,255,255,0.7); margin-top: 6px; font-weight: 500; }

/* ========================================
   TESTIMONIALS
   ======================================== */
.testimonials {
  background: var(--white);
  padding: 88px 0;
  text-align: center;
}
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px; max-width: 960px; margin: 0 auto;
}
.testimonial-card {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 24px;
  text-align: left;
  box-shadow: var(--shadow-sm);
}
.testimonial-stars { color: var(--gold); font-size: 1rem; margin-bottom: 12px; }
.testimonial-text { font-size: 0.92rem; color: var(--text-mid); line-height: 1.7; margin-bottom: 20px; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.testimonial-avatar {
  width: 40px; height: 40px; border-radius: 50%;
  background: var(--navy); color: white;
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 0.9rem; flex-shrink: 0;
}
.testimonial-name { font-size: 0.88rem; font-weight: 700; color: var(--text); }
.testimonial-location { font-size: 0.78rem; color: var(--text-muted); margin-top: 2px; }

/* ========================================
   STATES GRID
   ======================================== */
.states-section {
  background: var(--bg);
  padding: 88px 0;
  text-align: center;
}
.states-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(130px, 1fr));
  gap: 10px; max-width: 980px; margin: 0 auto;
}
.state-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 12px 8px;
  font-size: 0.82rem; font-weight: 600;
  color: var(--text-mid); text-align: center;
  transition: all 0.2s; display: block;
  box-shadow: var(--shadow-sm);
}
.state-card:hover {
  border-color: var(--navy);
  color: var(--navy);
  background: #f0f5ff;
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
  text-decoration: none;
}

/* ========================================
   PAGE HERO (State / City)
   ======================================== */
.page-hero {
  background: linear-gradient(160deg, #eef2f9 0%, var(--white) 100%);
  border-bottom: 1px solid var(--border);
  padding: 52px 0 44px;
  text-align: center;
}
.breadcrumbs {
  font-size: 0.78rem; color: var(--text-muted); margin-bottom: 16px;
}
.breadcrumbs a { color: var(--navy); font-weight: 600; }
.breadcrumbs span { margin: 0 6px; }
.page-hero h1 { font-size: clamp(1.9rem, 4vw, 2.8rem); color: var(--navy-dark); }

/* ========================================
   CONTENT AREA
   ======================================== */
.entry-content-wrap {
  max-width: 900px; margin: 0 auto; padding: 56px 20px 80px;
}
.entry-content h2 {
  font-size: 1.65rem; color: var(--navy-dark);
  margin-top: 44px; margin-bottom: 16px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--gold-dim);
}
.entry-content h3 { font-family: var(--font-body); font-size: 1.1rem; font-weight: 700; color: var(--navy); margin-top: 28px; margin-bottom: 10px; }
.entry-content p, .entry-content li { font-size: 1rem; line-height: 1.8; color: var(--text-mid); }
.entry-content ul, .entry-content ol { padding-left: 24px; margin-bottom: 20px; }
.entry-content li { margin-bottom: 6px; }
.entry-content a { color: var(--navy-light); font-weight: 600; }
.entry-content a:hover { color: var(--navy); text-decoration: underline; }
.entry-content strong { color: var(--text); font-weight: 700; }
.entry-content blockquote {
  border-left: 3px solid var(--gold);
  background: var(--gold-dim);
  padding: 16px 20px;
  margin: 24px 0; border-radius: 0 8px 8px 0;
  color: var(--text-mid); font-style: italic;
}

/* Trust sidebar box */
.trust-box {
  background: linear-gradient(135deg, #f0f5ff, #f8f9ff);
  border: 1px solid #c3d4f0;
  border-radius: var(--radius);
  padding: 28px 24px; margin-top: 40px;
}
.trust-box h3 { font-family: var(--font-body); font-size: 0.82rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: var(--navy); margin-bottom: 16px; }
.trust-box ul { list-style: none; padding: 0; }
.trust-box li {
  display: flex; align-items: flex-start; gap: 10px;
  padding: 10px 0; border-bottom: 1px solid #d8e4f5;
  font-size: 0.9rem; color: var(--text);
}
.trust-box li:last-child { border-bottom: none; }
.trust-box li::before { content: '✓'; color: var(--success); font-weight: 800; flex-shrink: 0; margin-top: 1px; }

/* ========================================
   CTA COMPONENTS
   ======================================== */
.cta-button {
  display: inline-block;
  background: var(--navy);
  color: var(--white) !important;
  padding: 14px 28px;
  border-radius: 8px;
  font-weight: 700; font-size: 0.95rem;
  text-align: center; transition: all 0.2s;
  border: none; cursor: pointer; touch-action: manipulation;
}
.cta-button:hover {
  background: var(--navy-dark);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(27,58,107,0.3);
  text-decoration: none;
}
.cta-box {
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  border-radius: var(--radius);
  padding: 36px; text-align: center; margin: 40px 0;
  box-shadow: var(--shadow-md);
}
.cta-box h3 { color: white; font-family: var(--font-body); font-size: 1.2rem; font-weight: 700; margin-bottom: 8px; }
.cta-box p { color: rgba(255,255,255,0.8); font-size: 0.9rem; margin-bottom: 20px; }
.cta-box .cta-button { background: var(--gold); color: var(--text) !important; }
.cta-box .cta-button:hover { background: var(--gold-light); box-shadow: 0 6px 20px rgba(212,160,38,0.4); }

/* ========================================
   AKA FRAMEWORK COMPONENTS
   ======================================== */
.authority-hub { padding: 0 0 80px; }
.hub-header { text-align: center; }
.emergency-banner {
  background: #fff8e1; border: 1px solid rgba(212,160,38,0.4);
  color: #7a5200; padding: 14px; border-radius: 8px;
  text-align: center; margin-bottom: 32px;
  font-weight: 600; font-size: 0.9rem;
}
.quick-nav {
  background: var(--white); border: 1px solid var(--border);
  padding: 24px; border-radius: var(--radius);
  margin-bottom: 40px; box-shadow: var(--shadow-sm);
}
.quick-nav h2 { font-family: var(--font-body); font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 16px; }
.quick-nav ul { list-style: none; display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 8px; }
.quick-nav a {
  display: block; padding: 9px 14px;
  background: var(--bg); border-radius: 6px;
  color: var(--text-mid); font-size: 0.88rem;
  border: 1px solid var(--border); transition: all 0.2s;
}
.quick-nav a:hover { background: #f0f5ff; color: var(--navy); border-color: var(--navy); text-decoration: none; }
.trust-bar { display: flex; justify-content: center; flex-wrap: wrap; gap: 12px 24px; margin: 20px 0; font-size: 0.85rem; color: var(--text-muted); }
.trust-bar .trust-item { display: flex; align-items: center; gap: 6px; }
.knowledge-page, .answer-page { padding: 0 0 80px; }
.page-header { margin-bottom: 40px; padding-bottom: 20px; border-bottom: 2px solid var(--navy); }
.related-topics { background: var(--bg); border: 1px solid var(--border); padding: 28px; border-radius: var(--radius); margin-top: 48px; }
.related-topics h2 { font-size: 1.4rem; color: var(--navy); margin-bottom: 20px; }
.topic-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 16px; }
.topic-card { background: var(--white); padding: 18px; border-radius: 8px; border: 1px solid var(--border); transition: all 0.2s; }
.topic-card:hover { border-color: var(--navy); box-shadow: var(--shadow-md); text-decoration: none; transform: translateY(-2px); }
.quick-answer { background: #f0f5ff; border-left: 4px solid var(--navy); padding: 24px; border-radius: 0 8px 8px 0; margin-bottom: 40px; }
.quick-answer h2 { font-family: var(--font-body); color: var(--navy); font-size: 1.1rem; font-weight: 700; }
.related-questions { background: var(--bg); border: 1px solid var(--border); padding: 28px; border-radius: var(--radius); }
.related-questions h2 { color: var(--navy); font-size: 1.4rem; margin-bottom: 20px; }
.related-questions ul { list-style: none; }
.related-questions li { margin-bottom: 12px; padding-left: 24px; position: relative; }
.related-questions li::before { content: "→"; position: absolute; left: 0; color: var(--navy-light); }
.hub-sidebar { background: var(--white); padding: 24px; border-radius: var(--radius); border: 1px solid var(--border); box-shadow: var(--shadow-sm); position: sticky; top: 84px; }
.hub-sidebar h3 { font-family: var(--font-body); font-size: 0.82rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: var(--navy); margin-bottom: 16px; }
.hub-sidebar ul { list-style: none; }
.hub-sidebar li { margin-bottom: 4px; }
.hub-sidebar a { display: block; padding: 8px 10px; border-radius: 6px; color: var(--text-mid); font-size: 0.87rem; transition: all 0.2s; }
.hub-sidebar a:hover { background: #f0f5ff; color: var(--navy); text-decoration: none; }

/* ========================================
   FOOTER
   ======================================== */
.site-footer {
  background: var(--navy-dark);
  padding: 60px 0 28px; margin-top: auto;
}
.footer-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 40px; margin-bottom: 40px; }
.footer-logo-wrap { display: flex; align-items: center; gap: 10px; margin-bottom: 14px; }
.footer-logo-text { font-family: var(--font-body); font-size: 1.1rem; font-weight: 800; color: white; }
.footer-logo-text span { color: var(--gold); }
.footer-widget p { font-size: 0.87rem; color: rgba(255,255,255,0.55); line-height: 1.7; }
.footer-widget h4 { font-family: var(--font-body); font-size: 0.78rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: rgba(255,255,255,0.4); margin-bottom: 16px; }
.footer-widget ul { list-style: none; }
.footer-widget li { margin-bottom: 8px; }
.footer-widget a { color: rgba(255,255,255,0.65); font-size: 0.87rem; transition: color 0.2s; }
.footer-widget a:hover { color: white; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.08); padding-top: 24px; text-align: center; }
.footer-bottom p { font-size: 0.76rem; color: rgba(255,255,255,0.3); line-height: 1.7; }
.footer-bottom a { color: rgba(255,255,255,0.4); }

/* ========================================
   RESPONSIVE
   ======================================== */
@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .hero-copy { max-width: 100%; }
  .hero-form-side { max-width: 560px; margin: 0 auto; }
}
@media (max-width: 768px) {
  .main-navigation { display: none; }
  .nav-toggle { display: flex; }
  .home-hero { padding: 48px 0 44px; }

  /* Fix 1: iframe max height on mobile */
  .iframe-wrapper iframe { height: 400px; max-height: 400px; }

  .steps-grid { grid-template-columns: 1fr; max-width: 420px; }
  .states-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; max-width: 420px; }

  /* Fix 4: Trust bar — 2x2 grid on mobile */
  .trust-topbar-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 6px 8px;
    text-align: left;
    padding: 4px 0;
  }
  .trust-topbar-item {
    font-size: 0.72rem;
    justify-content: flex-start;
  }

  /* Fix 5: State directory columns:2 on mobile */
  .loans-state-directory {
    columns: 2 !important;
    column-gap: 1rem;
  }

  /* Fix 6: Mobile typography */
  .entry-content p,
  .entry-content li {
    line-height: 1.8;
  }
  .entry-content h2 {
    margin-bottom: 2rem;
  }
  .entry-content h3 {
    margin-bottom: 2rem;
  }

  /* Fix 7: Related links full-width */
  .city-related-links,
  .city-nav-box {
    width: 100%;
    max-width: 100%;
    box-sizing: border-box;
    float: none;
    margin-left: 0;
    margin-right: 0;
  }

  /* Body padding for sticky CTA bar */
  body { padding-bottom: 64px; }
}

@media (max-width: 480px) {
  .footer-grid { grid-template-columns: 1fr; }
  .trust-row { gap: 8px 14px; }
  .badge-row { gap: 12px 16px; }
}

/* ========================================
   SKIP TO CONTENT LINK
   ======================================== */
.skip-to-content-wrap {
  text-align: center;
  margin-top: 10px;
}
.skip-to-content-link {
  display: inline-block;
  color: var(--navy);
  font-size: 0.82rem;
  font-weight: 600;
  padding: 6px 14px;
  border: 1px solid var(--border-dark);
  border-radius: 20px;
  background: var(--white);
  text-decoration: none;
  transition: all 0.2s;
}
.skip-to-content-link:hover {
  background: var(--navy);
  color: white;
  border-color: var(--navy);
}

/* On desktop, hide the skip link (it's mainly for mobile) */
@media (min-width: 769px) {
  .skip-to-content-wrap { display: none; }
}

/* ========================================
   STICKY MOBILE APPLY NOW BAR
   ======================================== */
.mobile-sticky-cta {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 9999;
  background: var(--navy-dark);
  padding: 12px 16px;
  box-shadow: 0 -4px 16px rgba(0,0,0,0.18);
  transform: translateY(100%);
  transition: transform 0.3s ease;
}
.mobile-sticky-cta.visible {
  transform: translateY(0);
}
.mobile-sticky-btn {
  display: block;
  width: 100%;
  background: var(--gold);
  color: var(--navy-dark) !important;
  text-align: center;
  font-weight: 800;
  font-size: 1rem;
  padding: 14px 20px;
  border-radius: 8px;
  text-decoration: none;
  letter-spacing: 0.02em;
  transition: background 0.2s;
}
.mobile-sticky-btn:hover {
  background: var(--gold-light);
  text-decoration: none;
  color: var(--navy-dark) !important;
}

@media (max-width: 768px) {
  .mobile-sticky-cta { display: block; }
}

/* ========================================
   WORDPRESS COMPATIBILITY
   ======================================== */
.alignleft { float: left; margin-right: 20px; margin-bottom: 16px; }
.alignright { float: right; margin-left: 20px; margin-bottom: 16px; }
.aligncenter { display: block; margin: 0 auto; }
.wp-caption-text { font-size: 0.85rem; color: var(--text-muted); text-align: center; margin-top: 6px; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}