/* ==========================================================================
   PAGE HERO (financing) — centered variant
   ========================================================================== */
.page-hero { position: relative; padding: 96px 0 80px; color: var(--white); overflow: hidden; isolation: isolate; }
.page-hero__bg { position: absolute; inset: 0; background-size: cover; background-position: center; background-repeat: no-repeat; z-index: -2; }
.page-hero__overlay { position: absolute; inset: 0; background: linear-gradient(130deg, rgba(4, 12, 24, 0.85) 0%, rgba(4, 12, 24, 0.5) 55%, rgba(4, 12, 24, 0.35) 100%); z-index: -1; }
.page-hero__grid { display: grid; grid-template-columns: 1.2fr 1fr; gap: 56px; align-items: center; }
.page-hero__copy { max-width: 600px; }
.page-hero__breadcrumbs { display: flex; align-items: center; gap: 10px; font-size: 13px; color: rgba(255,255,255,0.75); margin-bottom: 18px; letter-spacing: 0.06em; text-transform: uppercase; }
.page-hero__breadcrumbs a { color: rgba(255,255,255,0.75); }
.page-hero__breadcrumbs a:hover { color: var(--white); }
.page-hero__breadcrumbs [aria-current] { color: var(--white); font-weight: 600; }
.page-hero__title { font-size: 52px; font-weight: 800; line-height: 1.08; letter-spacing: -0.01em; margin-bottom: 18px; }
.page-hero__lead { font-size: 17px; line-height: 1.6; color: rgba(255,255,255,0.92); max-width: 720px; margin: 0 auto; }
.page-hero--contact .page-hero__grid--single { grid-template-columns: 1fr; justify-items: center; text-align: center; }
.page-hero--contact .page-hero__copy { max-width: 820px; }
.page-hero--contact .page-hero__breadcrumbs { justify-content: center; }

@media (max-width: 1024px) { .page-hero { padding: 72px 0 56px; } .page-hero__title { font-size: 40px; } }
@media (max-width: 768px) { .page-hero { padding: 48px 0 40px; } .page-hero__title { font-size: 30px; } }

/* ==========================================================================
   OPTIONS INTRO
   ========================================================================== */
.options-intro { padding: 64px 0 24px; background: var(--white); }
.options-intro__title { text-align: center; font-size: 32px; font-weight: 700; color: var(--brand-accent); letter-spacing: 0.01em; }
.options-intro__count { color: var(--text-primary); }
.options-intro__accent { color: var(--brand-primary); }

@media (max-width: 768px) { .options-intro { padding: 40px 0 16px; } .options-intro__title { font-size: 22px; } }

/* ==========================================================================
   OPTIONS CARDS
   ========================================================================== */
.options-cards { padding: 16px 0 48px; background: var(--white); }
.options-cards__grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 32px; margin-bottom: 32px; }

.loan-card { border: 1px solid var(--border-light); border-radius: 14px; overflow: hidden; background: var(--white); display: flex; flex-direction: column; box-shadow: var(--shadow-card); transition: transform 0.2s ease, box-shadow 0.2s ease; }
.loan-card:hover { transform: translateY(-3px); box-shadow: 0 18px 40px rgba(15, 23, 42, 0.12); }

.loan-card__head { background: var(--text-primary); color: var(--white); padding: 22px 28px; text-align: center; }
.loan-card__name { font-size: 20px; font-weight: 800; letter-spacing: 0.06em; text-transform: uppercase; margin-bottom: 4px; }
.loan-card__sub { font-size: 14px; color: rgba(255, 255, 255, 0.78); }

.loan-card__body { padding: 32px 28px 36px; text-align: center; display: flex; flex-direction: column; gap: 20px; flex: 1; }
.loan-card__amount { font-size: 30px; font-weight: 800; color: var(--text-primary); letter-spacing: -0.01em; }
.loan-card__features { display: flex; flex-direction: column; gap: 10px; text-align: left; max-width: 300px; margin: 0 auto; font-size: 14px; color: var(--text-muted); }
.loan-card__features li { display: flex; align-items: flex-start; gap: 10px; line-height: 1.5; }
.loan-card__check { color: var(--brand-primary); font-weight: 700; flex: 0 0 16px; }
.loan-card__btn { margin-top: auto; align-self: center; min-width: 220px; }

.options-cards__disclaimer { font-size: 12px; color: var(--text-muted); line-height: 1.6; display: flex; flex-direction: column; gap: 8px; max-width: 960px; margin: 0 auto; }
.options-cards__disclaimer strong { color: var(--brand-primary); font-size: 14px; }

@media (max-width: 1024px) { .options-cards__grid { grid-template-columns: 1fr; max-width: 520px; margin-left: auto; margin-right: auto; } }
@media (max-width: 768px) {
  .options-cards { padding: 8px 0 40px; }
  .loan-card__amount { font-size: 24px; }
  .loan-card__body { padding: 24px 22px 28px; }
}

/* ==========================================================================
   HOW IT WORKS (financing — 2 columns)
   ========================================================================== */
.how-it-works { padding: 64px 0 80px; background: var(--bg-soft); }
.how-it-works__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; }
.how-it-works__title { font-size: 26px; font-weight: 800; line-height: 1.25; color: var(--brand-primary); margin-bottom: 22px; }
.how-it-works__title-accent { color: var(--brand-accent); }

.how-it-works__steps { display: flex; flex-direction: column; gap: 16px; counter-reset: step; }
.how-it-works__steps li { display: flex; gap: 18px; align-items: flex-start; }
.how-it-works__step-num { flex: 0 0 38px; width: 38px; height: 38px; border-radius: 50%; background: var(--brand-primary); color: var(--white); display: flex; align-items: center; justify-content: center; font-weight: 800; font-size: 16px; }
.how-it-works__steps li strong { display: block; color: var(--text-primary); font-size: 16px; margin-bottom: 4px; }
.how-it-works__steps li p { color: var(--text-muted); font-size: 14px; line-height: 1.55; }

.how-it-works__reasons { display: flex; flex-direction: column; gap: 12px; margin-bottom: 20px; }
.how-it-works__reasons li { display: flex; gap: 12px; align-items: flex-start; color: var(--text-primary); line-height: 1.55; }
.how-it-works__check { color: var(--brand-primary); font-weight: 700; flex: 0 0 18px; }
.how-it-works__note { color: var(--text-muted); font-size: 15px; line-height: 1.6; padding-top: 12px; border-top: 1px solid var(--border-light); }
.how-it-works__note a { color: var(--brand-primary); }

@media (max-width: 1024px) { .how-it-works__grid { grid-template-columns: 1fr; gap: 40px; } }
@media (max-width: 768px) {
  .how-it-works { padding: 48px 0 56px; }
  .how-it-works__title { font-size: 22px; }
}

/* ==========================================================================
   CLOSING CTA (financing — shared shape)
   ========================================================================== */
.closing-cta { padding: 88px 0 96px; background: var(--brand-primary); color: var(--white); }
.closing-cta__grid { display: grid; grid-template-columns: 1.5fr 1fr; gap: 56px; align-items: start; }
.closing-cta__copy { max-width: 680px; }
.closing-cta__eyebrow { display: inline-block; padding: 6px 14px; background: rgba(255, 255, 255, 0.22); color: var(--white); font-weight: 700; font-size: 13px; letter-spacing: 0.12em; text-transform: uppercase; border-radius: 999px; margin-bottom: 18px; }
.closing-cta__title { font-size: 36px; font-weight: 800; line-height: 1.2; margin-bottom: 20px; }
.closing-cta__copy > p { color: rgba(255, 255, 255, 0.94); line-height: 1.7; margin-bottom: 16px; font-size: 16px; }

.closing-cta__card { justify-self: end; width: 100%; max-width: 380px; background: var(--white); color: var(--text-primary); padding: 32px 28px; border-radius: 16px; box-shadow: 0 20px 48px rgba(0, 0, 0, 0.25); text-align: center; position: sticky; top: 24px; }
.closing-cta__card-title { font-size: 22px; font-weight: 700; color: var(--brand-primary); margin-bottom: 6px; }
.closing-cta__card-sub { font-size: 14px; color: var(--text-muted); margin-bottom: 18px; }
.closing-cta__card-phone { display: block; font-size: 32px; font-weight: 800; color: var(--text-primary); margin-bottom: 16px; letter-spacing: 0.01em; }
.closing-cta__card-phone:hover { color: var(--brand-primary); }
.closing-cta__card-btn { width: 100%; }
.closing-cta__card-address { margin-top: 18px; font-size: 13px; color: var(--text-muted); line-height: 1.5; }

@media (max-width: 1024px) { .closing-cta__grid { grid-template-columns: 1fr; gap: 40px; } .closing-cta__card { justify-self: center; position: static; } }
@media (max-width: 768px) { .closing-cta { padding: 64px 0 72px; } .closing-cta__title { font-size: 26px; } }

/* ==========================================================================
   FAQ (financing — 2-column layout)
   ========================================================================== */
.faq { padding: 72px 0 96px; background: var(--white); }
.faq__two-col-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 48px; align-items: start; }
.faq__header--left { text-align: left; }
.faq__eyebrow { display: inline-block; color: var(--brand-primary); font-weight: 700; font-size: 13px; letter-spacing: 0.14em; text-transform: uppercase; margin-bottom: 12px; }
.faq__title { font-size: 32px; font-weight: 700; line-height: 1.2; color: var(--brand-primary); }
.faq__title br + * { color: var(--brand-accent); }

.faq__list { display: flex; flex-direction: column; gap: 10px; }
.faq__item { border: 1px solid var(--border-light); border-radius: 10px; overflow: hidden; background: var(--white); transition: border-color 0.2s ease, box-shadow 0.2s ease; }
.faq__item[open] { border-color: rgba(27, 117, 187, 0.35); box-shadow: var(--shadow-card); }
.faq__q { padding: 16px 22px; font-size: 15px; font-weight: 700; color: var(--brand-accent); cursor: pointer; display: flex; align-items: center; justify-content: space-between; gap: 16px; list-style: none; transition: background 0.15s ease; }
.faq__q::-webkit-details-marker { display: none; }
.faq__q::after { content: "+"; flex: 0 0 auto; font-size: 24px; line-height: 1; color: var(--brand-accent); transition: transform 0.2s ease; }
.faq__item[open] .faq__q::after { transform: rotate(45deg); }
.faq__q:hover { background: rgba(27, 117, 187, 0.04); }
.faq__a { padding: 0 22px 20px; color: var(--text-muted); line-height: 1.65; font-size: 14px; }
.faq__a p { margin-bottom: 10px; }

@media (max-width: 1024px) { .faq__two-col-grid { grid-template-columns: 1fr; gap: 28px; } .faq__header--left { text-align: center; } }
@media (max-width: 768px) {
  .faq { padding: 48px 0 64px; }
  .faq__title { font-size: 22px; }
  .faq__q { padding: 14px 16px; font-size: 14px; }
}