:root {
  --brand-green: #00c566;
  --brand-green-dark: #00a855;
  --brand-green-light: #e6faf0;
  --accent-blue: #3b82f6;
  --accent-yellow: #ffc145;
  --accent-coral: #ff6b6b;
  --text: #0f172a;
  --text-muted: #5b6472;
  --border: #e6ebe8;
  --bg: #ffffff;
  --bg-alt: #f5faf7;
  --shadow-sm: 0 2px 10px rgba(15, 23, 42, 0.06);
  --shadow-md: 0 12px 30px rgba(15, 23, 42, 0.10);
  --shadow-lg: 0 24px 60px rgba(15, 23, 42, 0.16);
  --radius: 16px;
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

.container {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 20px;
}

a { color: var(--brand-green-dark); text-decoration: none; }
a:hover { text-decoration: underline; }

/* Header */
.site-header {
  border-bottom: 1px solid var(--border);
  padding: 16px 0;
  position: sticky;
  top: 0;
  background: rgba(255, 255, 255, 0.9);
  backdrop-filter: blur(8px);
  z-index: 50;
}
.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}
.site-header .logo img { display: block; transition: transform 0.25s ease; }
.site-header .logo:hover img { transform: scale(1.05) rotate(-2deg); }
.main-nav a {
  margin-left: 20px;
  color: var(--text);
  font-weight: 600;
  font-size: 0.95rem;
  position: relative;
  padding-bottom: 4px;
}
.main-nav a:first-child { margin-left: 0; }
.main-nav a:hover { text-decoration: none; color: var(--brand-green-dark); }
.main-nav a::after {
  content: "";
  position: absolute;
  left: 0; right: 100%; bottom: 0;
  height: 2px;
  background: var(--brand-green);
  transition: right 0.25s ease;
}
.main-nav a:hover::after { right: 0; }

.geo-indicator { position: relative; display: inline-block; margin-left: 20px; }
.geo-indicator-btn {
  background: var(--brand-green-light);
  color: var(--brand-green-dark);
  border: none;
  border-radius: 999px;
  padding: 7px 14px;
  font-weight: 700;
  font-size: 0.85rem;
  cursor: pointer;
  font-family: inherit;
}
.geo-dropdown {
  position: absolute;
  top: calc(100% + 8px);
  right: 0;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 12px;
  box-shadow: var(--shadow-md);
  padding: 8px;
  min-width: 130px;
  z-index: 60;
}
.geo-dropdown a {
  display: block;
  padding: 8px 10px;
  border-radius: 8px;
  color: var(--text);
  font-weight: 600;
  font-size: 0.9rem;
}
.geo-dropdown a:hover { background: var(--bg-alt); text-decoration: none; }

main.page {
  max-width: 800px;
  margin: 0 auto;
  padding: 40px 20px 70px;
}

.breadcrumbs {
  font-size: 0.85rem;
  color: var(--text-muted);
  margin-bottom: 18px;
}
.breadcrumbs a { color: var(--text-muted); }

h1 { font-size: 2rem; font-weight: 800; letter-spacing: -0.02em; margin-bottom: 12px; }
h2 { font-size: 1.35rem; font-weight: 750; margin-top: 40px; }
.intro { font-size: 1.08rem; color: var(--text-muted); }

.eligibility ul { padding-left: 0; list-style: none; }
.eligibility li {
  margin-bottom: 10px;
  padding-left: 30px;
  position: relative;
}
.eligibility li::before {
  content: "✓";
  position: absolute;
  left: 0; top: 0;
  width: 20px; height: 20px;
  background: var(--brand-green-light);
  color: var(--brand-green-dark);
  border-radius: 50%;
  font-size: 0.75rem;
  font-weight: 800;
  display: flex; align-items: center; justify-content: center;
}

.local-info { background: var(--bg-alt); border-radius: var(--radius); padding: 24px; }

/* CTA */
.cta {
  position: relative;
  overflow: hidden;
  background: linear-gradient(135deg, var(--brand-green) 0%, #00d989 50%, var(--accent-blue) 150%);
  color: #fff;
  border-radius: 20px;
  padding: 36px 28px;
  text-align: center;
  margin: 40px 0;
  box-shadow: var(--shadow-lg);
}
.cta::before, .cta::after {
  content: "";
  position: absolute;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.15);
}
.cta::before { width: 160px; height: 160px; top: -60px; left: -40px; }
.cta::after { width: 120px; height: 120px; bottom: -50px; right: -20px; }
.cta h2 { margin-top: 0; color: #fff; position: relative; }
.cta p { color: rgba(255, 255, 255, 0.92); position: relative; }
.cta .btn { position: relative; }

.btn {
  display: inline-block;
  background: #fff;
  color: var(--brand-green-dark);
  font-weight: 700;
  padding: 13px 26px;
  border-radius: 999px;
  margin-top: 10px;
  box-shadow: var(--shadow-sm);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
  border: none;
  cursor: pointer;
}
.btn:hover { text-decoration: none; transform: translateY(-3px); box-shadow: var(--shadow-md); }

.partner-form { text-align: left; max-width: 480px; margin: 20px auto 0; }
.partner-form label { display: block; font-weight: 600; margin-bottom: 14px; color: #fff; }
.partner-form input, .partner-form textarea {
  width: 100%;
  padding: 11px 14px;
  border: 1px solid transparent;
  border-radius: 10px;
  font-size: 1rem;
  margin-top: 6px;
  font-family: inherit;
  box-shadow: var(--shadow-sm);
}
.partner-form input:focus, .partner-form textarea:focus {
  outline: 2px solid rgba(255, 255, 255, 0.8);
}

.faq-item { border-bottom: 1px solid var(--border); padding: 18px 0; }
.faq-item h3 { margin: 0 0 6px; font-size: 1.05rem; }
.faq-item p { margin: 0; color: var(--text-muted); }

.product-list, .page-list {
  list-style: none;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
  gap: 12px;
}
.product-list li, .page-list li {
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 16px 18px;
  background: #fff;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.25s ease, border-color 0.25s ease, transform 0.2s ease;
}
.product-list li:hover, .page-list li:hover {
  border-color: var(--brand-green);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}
.product-list a, .page-list a {
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 8px;
}
.product-list a::after, .page-list a::after {
  content: "→";
  color: var(--brand-green);
  flex-shrink: 0;
  opacity: 0;
  transform: translateX(-4px);
  transition: opacity 0.2s ease, transform 0.2s ease;
}
.product-list li:hover a::after, .page-list li:hover a::after { opacity: 1; transform: translateX(0); }
.product-list a:hover, .page-list a:hover { text-decoration: none; }

.site-footer {
  border-top: 1px solid var(--border);
  margin-top: 70px;
  padding: 48px 0 28px;
  color: var(--text-muted);
  font-size: 0.85rem;
  background: var(--bg-alt);
}
.footer-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 32px;
  padding-bottom: 32px;
}
.footer-brand { flex: 1.6 1 240px; }
.footer-col { flex: 1 1 140px; }
.footer-brand img { margin-bottom: 12px; }
.footer-brand p { max-width: 260px; }
.footer-col h4 { color: var(--text); font-size: 0.9rem; margin: 0 0 14px; }
.footer-col h4 a { color: var(--text); }
.footer-col ul { list-style: none; padding: 0; margin: 0; }
.footer-col li { margin-bottom: 9px; }
.footer-col a { color: var(--text-muted); font-size: 0.85rem; }
.footer-col a:hover { color: var(--brand-green-dark); }
.footer-bottom { border-top: 1px solid var(--border); padding-top: 20px; }
.disclaimer { max-width: 700px; }

/* AI Advisor widget */
.advisor-box {
  max-width: 560px;
  margin: 0 auto;
  border: 1px solid var(--border);
  border-radius: 24px;
  padding: 32px;
  background: #fff;
  box-shadow: var(--shadow-lg);
  position: relative;
}
.advisor-avatar {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--brand-green-light);
  color: var(--brand-green-dark);
  font-weight: 700;
  font-size: 0.85rem;
  padding: 6px 14px;
  border-radius: 999px;
  margin-bottom: 20px;
}
.advisor-progress-track {
  height: 6px;
  background: var(--bg-alt);
  border-radius: 999px;
  overflow: hidden;
  margin-bottom: 24px;
}
.advisor-progress-bar {
  height: 100%;
  background: linear-gradient(90deg, var(--brand-green), var(--accent-blue));
  border-radius: 999px;
  transition: width 0.35s ease;
}
.advisor-box label { display: block; font-weight: 700; margin-bottom: 10px; font-size: 1.05rem; }
.advisor-box select, .advisor-box input {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--border);
  border-radius: 12px;
  font-size: 1rem;
  margin-bottom: 18px;
  font-family: inherit;
  transition: border-color 0.2s ease;
}
.advisor-box select:focus, .advisor-box input:focus {
  outline: none;
  border-color: var(--brand-green);
}
.phone-input-row { display: flex; gap: 8px; }
.phone-input-row select { flex: 0 0 130px; }
.phone-input-row input { flex: 1; }
.phone-input-row select, .phone-input-row input { margin-bottom: 18px; }
.advisor-actions { display: flex; gap: 10px; }
.advisor-actions button {
  background: var(--brand-green);
  color: #fff;
  border: none;
  padding: 12px 22px;
  border-radius: 999px;
  font-weight: 700;
  cursor: pointer;
  box-shadow: var(--shadow-sm);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.advisor-actions button:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }
.advisor-actions button#advisor-back {
  background: transparent;
  color: var(--text-muted);
  border: 1.5px solid var(--border);
  box-shadow: none;
}
.advisor-progress { color: var(--text-muted); font-size: 0.85rem; margin-top: 14px; }
.advisor-report { background: var(--bg-alt); border-radius: var(--radius); padding: 22px; }
.error { color: #c0392b; }

/* Calculators (Tools) */
.calculator-page-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px; height: 42px;
  border-radius: 12px;
  background: var(--brand-green-light);
  margin-right: 12px;
  font-size: 1.3rem;
  vertical-align: middle;
}
.calculator-box .calculator-form { display: flex; flex-direction: column; }
.calculator-box .calculator-form label { display: block; font-weight: 700; margin-bottom: 10px; font-size: 0.95rem; }
.calculator-box .calculator-form input {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--border);
  border-radius: 12px;
  font-size: 1rem;
  margin: 6px 0 16px;
  font-family: inherit;
}
.calculator-box .calculator-form input:focus { outline: none; border-color: var(--brand-green); }
.calculator-box .calculator-form button {
  align-self: flex-start;
  background: var(--brand-green);
  color: #fff;
  border: none;
}
.calculator-result { margin-top: 24px; }
.calculator-result h3 { margin: 0 0 14px; }
.calculator-result-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: 14px; }
.calculator-result-item {
  background: var(--bg-alt);
  border-radius: 14px;
  padding: 18px;
  text-align: center;
}
.calculator-result-item strong { display: block; font-size: 1.3rem; color: var(--brand-green-dark); margin-bottom: 4px; }
.calculator-result-item span { font-size: 0.8rem; color: var(--text-muted); }

.calculator-card-body { padding: 22px; text-align: center; }
.offering-icon-plain { font-size: 2rem; display: block; margin-bottom: 10px; }

/* Knowledge Hub / articles */
.article-meta { color: var(--text-muted); font-size: 0.85rem; margin-bottom: 6px; text-transform: uppercase; letter-spacing: 0.04em; }
.article-body h2 { margin-top: 32px; }
.article-body p { color: var(--text-muted); }
.article-card-body { text-align: left; }
.article-category-badge {
  display: inline-block;
  background: var(--brand-green-light);
  color: var(--brand-green-dark);
  font-size: 0.72rem;
  font-weight: 700;
  padding: 4px 10px;
  border-radius: 999px;
  margin-bottom: 10px;
}

/* Homepage hero */
/* AI Credit Finder — the primary homepage interaction: pick a product,
   land straight in that product's quiz. Floats over the hero/section
   boundary for emphasis. */
.ai-finder-section {
  position: relative;
  z-index: 2;
  margin-top: -48px;
  padding: 0 20px 20px;
}
.ai-finder-card {
  max-width: 900px;
  margin: 0 auto;
  background: #fff;
  border-radius: 24px;
  box-shadow: var(--shadow-lg);
  padding: 36px 40px;
  text-align: center;
}
.ai-finder-card h2 { margin: 14px 0 8px; font-size: 1.5rem; }
.ai-finder-card > p { color: var(--text-muted); margin: 0 0 28px; }
.ai-finder-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(130px, 1fr));
  gap: 12px;
}
.ai-finder-option {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  padding: 18px 10px;
  border: 1.5px solid var(--border);
  border-radius: 14px;
  color: var(--text);
  font-weight: 700;
  font-size: 0.9rem;
  transition: border-color 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease;
}
.ai-finder-option span { font-size: 1.6rem; }
.ai-finder-option:hover {
  border-color: var(--brand-green);
  box-shadow: var(--shadow-sm);
  transform: translateY(-3px);
  text-decoration: none;
}
.ai-finder-option-other {
  background: var(--brand-green-light);
  border-color: transparent;
  color: var(--brand-green-dark);
}

@media (max-width: 700px) {
  .ai-finder-card { padding: 28px 20px; }
}

.hero {
  position: relative;
  overflow: hidden;
  padding: 90px 20px 70px;
  background: var(--bg-alt);
}
.hero-blobs { position: absolute; inset: 0; z-index: 0; }
.blob {
  position: absolute;
  border-radius: 50%;
  filter: blur(50px);
  opacity: 0.55;
  animation: blobFloat 14s ease-in-out infinite;
}
.blob-1 { width: 320px; height: 320px; background: var(--brand-green); top: -80px; left: -60px; }
.blob-2 { width: 260px; height: 260px; background: var(--accent-blue); bottom: -60px; right: 5%; animation-delay: -4s; }
.blob-3 { width: 200px; height: 200px; background: var(--accent-yellow); top: 20%; right: 20%; animation-delay: -8s; }

@keyframes blobFloat {
  0%, 100% { transform: translate(0, 0) scale(1); }
  33% { transform: translate(30px, -20px) scale(1.08); }
  66% { transform: translate(-20px, 25px) scale(0.95); }
}

.hero-inner {
  position: relative;
  z-index: 1;
  max-width: 1100px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  align-items: center;
  gap: 40px;
}
.hero-copy { text-align: left; }
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: #fff;
  border: 1px solid var(--border);
  padding: 7px 16px;
  border-radius: 999px;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--brand-green-dark);
  box-shadow: var(--shadow-sm);
  margin-bottom: 20px;
}
.hero h1 { font-size: 2.6rem; line-height: 1.15; margin: 0 0 18px; }
.text-gradient {
  background: linear-gradient(120deg, var(--brand-green-dark), var(--accent-blue));
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}
.hero p { color: var(--text-muted); max-width: 480px; margin: 0 0 26px; font-size: 1.08rem; }

.hero-visual {
  position: relative;
  height: 340px;
}
.float-card {
  position: absolute;
  background: #fff;
  border-radius: 16px;
  box-shadow: var(--shadow-lg);
  padding: 16px 18px;
  display: flex;
  flex-direction: column;
  gap: 2px;
  width: 200px;
  animation: cardFloat 6s ease-in-out infinite;
  transform-style: preserve-3d;
}
.float-card .card-icon { font-size: 1.6rem; margin-bottom: 4px; }
.float-card strong { font-size: 0.95rem; }
.float-card small { color: var(--text-muted); font-size: 0.78rem; }
.card-a { top: 0; left: 10%; transform: perspective(600px) rotateY(-8deg) rotateX(4deg); animation-delay: 0s; }
.card-b { top: 42%; left: 40%; transform: perspective(600px) rotateY(6deg) rotateX(-3deg); animation-delay: -2s; z-index: 2; }
.card-c { bottom: 0; left: 5%; transform: perspective(600px) rotateY(-4deg) rotateX(3deg); animation-delay: -4s; }

@keyframes cardFloat {
  0%, 100% { translate: 0 0; }
  50% { translate: 0 -14px; }
}

.tilt-card { transition: transform 0.15s ease-out; }

.badge-soon {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 700;
  color: var(--accent-blue);
  background: rgba(59, 130, 246, 0.1);
  padding: 4px 10px;
  border-radius: 999px;
  margin-top: 4px;
}

.hero-actions { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; }
.btn-ghost {
  background: transparent;
  color: var(--text);
  box-shadow: none;
  padding: 13px 6px;
}
.btn-ghost:hover { background: transparent; box-shadow: none; text-decoration: none; color: var(--brand-green-dark); }

/* Generic section scaffolding, used on home/country pages */
.page-wide { max-width: 1100px; }
.section { padding: 60px 0; }
.section:nth-of-type(even) { background: var(--bg-alt); }
.section-title { font-size: 1.7rem; font-weight: 800; text-align: center; margin: 0 0 8px; }
.section-subtitle { text-align: center; color: var(--text-muted); max-width: 600px; margin: 0 auto 36px; }

/* How it works */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 20px;
}
.step-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 24px;
  text-align: center;
  box-shadow: var(--shadow-sm);
  position: relative;
}
.step-number {
  position: absolute;
  top: 16px; right: 20px;
  font-size: 0.8rem;
  font-weight: 800;
  color: var(--brand-green-light);
  background: var(--text);
  width: 24px; height: 24px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
}
.step-icon { font-size: 2.2rem; display: block; margin-bottom: 12px; }
.step-card h3 { margin: 0 0 8px; font-size: 1.1rem; }
.step-card p { color: var(--text-muted); margin: 0; font-size: 0.95rem; }
.section-cta { text-align: center; margin-top: 36px; }
.section-cta .btn { background: var(--brand-green); color: #fff; }

/* Available countries (homepage) */
.countries-detail-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 20px;
}
.country-detail-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  text-align: left;
}
.country-detail-card.active:hover { border-color: var(--brand-green); box-shadow: var(--shadow-md); }
.country-detail-card.soon { opacity: 0.75; }
/* Country card banner — background photo if present (drop a file at the path
   below), animated gradient fallback otherwise (multi-background: first
   layer that loads wins, so this needs zero code changes once added). */
.country-card-banner {
  position: relative;
  overflow: hidden;
  height: 180px;
  background-size: cover, 200% 200%;
  background-position: center, 0% 50%;
  background-repeat: no-repeat, no-repeat;
  animation: gradientShift 8s ease infinite;
}
.country-card-banner::after {
  content: "";
  position: absolute; inset: 0;
  background-image: radial-gradient(rgba(255,255,255,0.35) 1.5px, transparent 1.5px);
  background-size: 18px 18px;
  opacity: 0.5;
}
.banner-usa { background-image: url('/assets/img/countries/usa.jpg'), linear-gradient(120deg, var(--brand-green), var(--accent-blue)); }
.banner-uk { background-image: url('/assets/img/countries/uk.jpg'), linear-gradient(120deg, var(--accent-blue), var(--brand-green-dark)); }
.banner-india { background-image: url('/assets/img/countries/india.jpg'), linear-gradient(120deg, #00d989, var(--accent-yellow)); }
.banner-uae { background-image: url('/assets/img/countries/uae.jpg'), linear-gradient(120deg, var(--accent-yellow), var(--brand-green-dark)); }
.banner-canada { background-image: url('/assets/img/countries/canada.jpg'), linear-gradient(120deg, var(--accent-coral), var(--accent-blue)); }
.banner-singapore { background-image: url('/assets/img/countries/singapore.jpg'), linear-gradient(120deg, var(--brand-green), var(--accent-coral)); }
@keyframes gradientShift {
  0%, 100% { background-position: 0% 50%; }
  50% { background-position: 100% 50%; }
}
.country-card-body { padding: 24px 28px 28px; }
.country-detail-card h3 { margin: 0 0 8px; font-size: 1.25rem; }
.country-detail-card p { color: var(--text-muted); margin: 0 0 14px; font-size: 0.95rem; }
.country-stats { font-size: 0.8rem !important; color: var(--brand-green-dark) !important; font-weight: 700; }
.link-arrow { font-weight: 700; }

/* Offerings grid (homepage + country pages) */
.offerings-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 18px;
}
.offering-card {
  display: block;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  color: var(--text);
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}
.offering-card:hover { border-color: var(--brand-green); box-shadow: var(--shadow-md); text-decoration: none; transform: translateY(-4px); }

/* Offering banner — real photo if present, gradient fallback otherwise
   (same multi-background pattern as country cards / product heroes). */
.offering-banner {
  position: relative;
  height: 130px;
  background-size: cover, 200% 200%;
  background-position: center, 0% 50%;
  background-repeat: no-repeat, no-repeat;
  animation: gradientShift 8s ease infinite;
  display: flex;
  align-items: flex-start;
  justify-content: flex-end;
  padding: 12px;
}
.offering-badge {
  background: rgba(15, 23, 42, 0.65);
  color: #fff;
  font-size: 0.72rem;
  font-weight: 700;
  padding: 5px 10px;
  border-radius: 999px;
  backdrop-filter: blur(4px);
}
.offering-banner-personal-loan { background-image: url('/assets/img/products/personal-loan.jpg'), linear-gradient(120deg, var(--brand-green), var(--accent-blue)); }
.offering-banner-business-loan { background-image: url('/assets/img/products/business-loan.jpg'), linear-gradient(120deg, var(--accent-blue), var(--brand-green-dark)); }
.offering-banner-mortgage { background-image: url('/assets/img/products/mortgage.jpg'), linear-gradient(120deg, #00d989, var(--accent-yellow)); }
.offering-banner-auto-loan { background-image: url('/assets/img/products/auto-loan.jpg'), linear-gradient(120deg, var(--brand-green-dark), var(--accent-blue)); }
.offering-banner-student-loan { background-image: url('/assets/img/products/student-loan.jpg'), linear-gradient(120deg, var(--accent-blue), var(--accent-yellow)); }
.offering-banner-credit-card { background-image: url('/assets/img/products/credit-card.jpg'), linear-gradient(120deg, var(--brand-green), var(--accent-coral)); }
.offering-banner-gold-loan { background-image: url('/assets/img/products/gold-loan.jpg'), linear-gradient(120deg, var(--accent-yellow), var(--brand-green-dark)); }

.offering-card-body { padding: 20px 22px 22px; }
.offering-card-body h3 { margin: 0 0 6px; font-size: 1.05rem; }
.offering-card-body p { margin: 0 0 12px; color: var(--text-muted); font-size: 0.88rem; }
.offering-card-body .link-arrow { font-size: 0.85rem; }

/* Why section */
.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 20px;
}
.why-card { text-align: center; padding: 10px; }
.why-icon { font-size: 2.2rem; display: block; margin-bottom: 10px; }
.why-card h3 { margin: 0 0 6px; font-size: 1.05rem; }
.why-card p { margin: 0; color: var(--text-muted); font-size: 0.92rem; }

/* Partner lender strip — placeholder cards until real logos/names are
   confirmed with each institution (see build/README.md). */
.partner-logo-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
  gap: 14px;
}
.partner-logo-card {
  background: #fff;
  border: 1px dashed var(--border);
  border-radius: 14px;
  padding: 22px 14px;
  text-align: center;
  color: var(--text-muted);
  font-size: 0.8rem;
  font-weight: 600;
}
.partner-logo-icon { display: block; font-size: 1.8rem; margin-bottom: 10px; }
.partner-logo-note { text-align: center; color: var(--text-muted); font-size: 0.8rem; margin-top: 18px; }

/* Product page hero — background photo if present (drop a file at the path
   below), gradient fallback otherwise (multi-background: first layer that
   loads wins, so this needs zero code changes once an image is added). */
.product-hero {
  position: relative;
  padding: 70px 20px;
  background-size: cover, 200% 200%;
  background-position: center, 0% 50%;
  background-repeat: no-repeat, no-repeat;
  animation: gradientShift 10s ease infinite;
}
.product-hero-overlay {
  position: relative;
  background: linear-gradient(180deg, rgba(15,23,42,0.55), rgba(15,23,42,0.72));
  margin: -70px -20px; padding: 70px 20px;
}
.product-hero .breadcrumbs-light, .product-hero .breadcrumbs-light a { color: rgba(255,255,255,0.8); }
.product-hero h1 { color: #fff; max-width: 700px; }
.product-hero .intro { color: rgba(255,255,255,0.9); max-width: 640px; }

.product-hero-personal-loan { background-image: url('/assets/img/products/personal-loan.jpg'), linear-gradient(120deg, var(--brand-green), var(--accent-blue)); }
.product-hero-business-loan { background-image: url('/assets/img/products/business-loan.jpg'), linear-gradient(120deg, var(--accent-blue), var(--brand-green-dark)); }
.product-hero-mortgage { background-image: url('/assets/img/products/mortgage.jpg'), linear-gradient(120deg, #00d989, var(--accent-yellow)); }
.product-hero-auto-loan { background-image: url('/assets/img/products/auto-loan.jpg'), linear-gradient(120deg, var(--brand-green-dark), var(--accent-blue)); }
.product-hero-student-loan { background-image: url('/assets/img/products/student-loan.jpg'), linear-gradient(120deg, var(--accent-blue), var(--accent-yellow)); }
.product-hero-credit-card { background-image: url('/assets/img/products/credit-card.jpg'), linear-gradient(120deg, var(--brand-green), var(--accent-coral)); }
.product-hero-gold-loan { background-image: url('/assets/img/products/gold-loan.jpg'), linear-gradient(120deg, var(--accent-yellow), var(--brand-green-dark)); }
.product-hero-general { background-image: none, linear-gradient(120deg, var(--brand-green), var(--accent-blue)); }

/* Country page compact hero */
.hero-compact { padding: 56px 20px; text-align: center; }
.hero-compact-inner { position: relative; z-index: 1; max-width: 720px; margin: 0 auto; }
.hero-compact .intro { margin: 0 auto 24px; }
.hero-compact .hero-actions { justify-content: center; }

/* States grid (country page) — stat cards, not plain pills */
.states-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 14px;
}
.state-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 18px;
  box-shadow: var(--shadow-sm);
  color: var(--text);
  text-align: center;
}
.state-card-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 34px; height: 34px;
  border-radius: 50%;
  background: var(--brand-green-light);
  margin-bottom: 8px;
  font-size: 0.9rem;
}
.state-card h3 { margin: 0 0 4px; font-size: 1rem; }
.state-card p { margin: 0; font-size: 0.78rem; color: var(--text-muted); }
.state-card:hover { border-color: var(--brand-green); box-shadow: var(--shadow-md); text-decoration: none; }

/* Popular searches (homepage) */
.popular-searches-grid { display: flex; flex-wrap: wrap; gap: 10px; justify-content: center; }
.popular-search-chip {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 999px;
  padding: 10px 18px;
  font-weight: 600;
  font-size: 0.85rem;
  color: var(--text);
}
.popular-search-chip:hover { border-color: var(--brand-green); color: var(--brand-green-dark); text-decoration: none; }

/* Location (state/region) page header — plain and authoritative, not a
   celebratory "you're covered!" banner. */
.location-header { margin-bottom: 8px; }
.location-header h1 { margin-bottom: 10px; }
.location-stats-bar {
  display: flex;
  flex-wrap: wrap;
  gap: 0;
  margin-top: 24px;
  border: 1px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
}
.location-stat {
  flex: 1 1 140px;
  padding: 16px 20px;
  text-align: center;
  border-right: 1px solid var(--border);
}
.location-stat:last-child { border-right: none; }
.location-stat strong { display: block; font-size: 1.5rem; color: var(--text); }
.location-stat span { font-size: 0.8rem; color: var(--text-muted); }

.section-lead { color: var(--text-muted); margin-top: -8px; }

/* Location page: products grouped listing (primary organization) */
.location-products { margin-top: 40px; }
.location-product-block { margin-bottom: 28px; }
.location-product-block h3 {
  font-size: 1.15rem;
  margin: 0 0 12px;
  display: flex;
  align-items: center;
  gap: 10px;
}
.location-product-icon {
  width: 32px; height: 32px;
  border-radius: 9px;
  background: var(--brand-green-light);
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem;
}

/* State page: cities grouped listing (used on product hub pages) */
.state-cities { margin-top: 40px; }
.city-block { margin-bottom: 28px; }
.city-block h3 { font-size: 1.1rem; margin: 0 0 12px; }
.city-block h3 a { color: var(--text); }

@media (max-width: 760px) {
  .hero-inner { grid-template-columns: 1fr; text-align: center; }
  .hero-copy { text-align: center; }
  .hero p { margin-left: auto; margin-right: auto; }
  .hero-visual { height: 260px; margin-top: 20px; }
  .float-card { width: 160px; padding: 12px 14px; }
  .hero-actions { justify-content: center; }
}

@media (prefers-reduced-motion: reduce) {
  .blob, .float-card { animation: none; }
}