/* ============================================
   United Auto Credit USA — Global Styles
   Brand: Trust, Stability, Accessibility
   ============================================ */

/* --- Reset & Base --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy: #3D2C2E;
  --navy-light: #4E3A3C;
  --blue: #E8985E;
  --blue-light: #F0AD7A;
  --gold: #D4A69A;
  --gold-dark: #C08E82;
  --white: #FFFFFF;
  --off-white: #FFF5EE;
  --gray-100: #F0E6DF;
  --gray-200: #E8D8D0;
  --gray-400: #9E8A84;
  --gray-600: #7B5B5E;
  --gray-800: #4E3A3C;
  --text: #3D2C2E;
  --success: #6A8E5E;
  --radius: 8px;
  --shadow-sm: 0 1px 3px rgba(61,44,46,.06);
  --shadow-md: 0 4px 14px rgba(61,44,46,.08);
  --shadow-lg: 0 8px 30px rgba(61,44,46,.10);
  --max-width: 1140px;
  --transition: .25s ease;
}

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: 'Nunito', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--blue-light); }

h1, h2, h3, h4, h5, h6 {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  color: var(--navy);
  line-height: 1.3;
}

.container { max-width: var(--max-width); margin: 0 auto; padding: 0 24px; }

/* --- Skip Link --- */
.skip-link {
  position: absolute; top: -100%; left: 16px;
  background: var(--navy); color: var(--white);
  padding: 8px 16px; z-index: 9999; border-radius: var(--radius);
}
.skip-link:focus { top: 16px; }

/* --- Header / Navigation --- */
.site-header {
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  position: relative; top: 0; z-index: 100;
}


.header-main .container {
  display: flex; justify-content: space-between; align-items: center;
  padding-top: 14px; padding-bottom: 14px;
}

.logo {
  display: inline-flex; align-items: center; gap: 10px;
  flex-shrink: 0; text-decoration: none;
}
.logo-key {
  display: flex; align-items: center; flex-shrink: 0;
}
.logo-key svg { width: 38px; height: 38px; }
.logo-text {
  display: flex; flex-direction: column; line-height: 1.15;
}
.logo-text .logo-top {
  font-family: 'Nunito', sans-serif;
  font-size: .95rem; font-weight: 500;
  color: var(--navy); letter-spacing: .01em;
}
.logo-text .logo-top span {
  font-weight: 400; color: var(--gray-600);
}
.logo-text .logo-bottom {
  font-family: 'Playfair Display', serif;
  font-size: 1.35rem; font-weight: 900;
  color: var(--blue); letter-spacing: .02em;
}
.site-footer .logo-text .logo-top { color: #FFF5EE; }
.site-footer .logo-text .logo-top span { color: #D4A69A; }
.site-footer .logo-text .logo-bottom { color: #E8985E; }
.site-footer .logo-key svg circle,
.site-footer .logo-key svg line { stroke: #E8985E; }
.site-footer .logo-key svg circle:last-of-type { fill: rgba(232,152,94,.15); }
.logo small {
  display: block; font-family: 'Nunito', sans-serif;
  font-size: .6rem; font-weight: 400;
  color: var(--gray-400); letter-spacing: .06em; text-transform: uppercase;
  margin-top: 2px;
}

.nav-toggle {
  display: none; background: none; border: none; cursor: pointer;
  width: 32px; height: 32px; position: relative;
}
.nav-toggle span,
.nav-toggle span::before,
.nav-toggle span::after {
  display: block; width: 24px; height: 2px;
  background: var(--navy); position: absolute;
  transition: var(--transition);
}
.nav-toggle span { top: 50%; left: 4px; transform: translateY(-50%); }
.nav-toggle span::before { content: ''; top: -7px; }
.nav-toggle span::after { content: ''; top: 7px; }

.main-nav ul {
  list-style: none; display: flex; gap: 2px; align-items: center;
}
.main-nav a {
  color: var(--gray-800); font-size: .875rem; font-weight: 500;
  padding: 8px 12px; border-radius: var(--radius);
  transition: background var(--transition), color var(--transition);
  white-space: nowrap;
}
.main-nav a:hover,
.main-nav a.active { background: var(--off-white); color: var(--blue); }

.nav-cta {
  background: var(--blue) !important; color: var(--white) !important;
  font-weight: 600 !important;
}
.nav-cta:hover { background: var(--navy) !important; }

/* --- Hero (Design C — 50/50 Split) --- */
.hero {
  display: grid; grid-template-columns: 1fr 1fr;
  min-height: 540px; position: relative;
  overflow: hidden; padding: 0;
}
.hero-left {
  background: var(--off-white);
  padding: 48px 40px;
  display: flex; align-items: center; justify-content: center;
}
.hero-left-content {
  max-width: 480px; width: 100%;
}
.hero h1 {
  font-size: 2.25rem; margin: 0 0 14px;
  color: var(--navy); line-height: 1.2;
}
.hero h1 em { font-style: normal; color: var(--blue); }
.hero-left p {
  font-size: .9375rem; color: var(--gray-600);
  line-height: 1.75; margin: 0 0 24px;
}

.hero-form-card {
  background: var(--white);
  border-radius: 14px; overflow: hidden;
  border: 1px solid rgba(212,166,154,.12);
}
.hero-form-header {
  background: var(--navy);
  padding: 16px 20px; text-align: center;
}
.hero-form-header h2 {
  font-size: 1rem; color: var(--white); margin: 0 0 3px;
  font-family: 'Nunito', sans-serif; font-weight: 700;
}
.hero-form-header p {
  font-size: .7rem; color: var(--blue); opacity: 1;
  margin: 0; max-width: none;
}
.hero-form-body { padding: 0; }
.hero-form-card #_lg_form_ { padding: 0 20px 16px; }
.hero-form-footer {
  display: flex; justify-content: center; gap: 18px;
  padding: 12px 16px; border-top: 1px solid var(--gray-100);
}
.hero-form-footer span {
  font-size: .7rem; color: var(--gray-400);
  display: flex; align-items: center; gap: 4px;
}

.hero-right {
  position: relative; z-index: 1;
}
.hero-image {
  position: absolute; inset: 0;
  width: 100%; height: 100%; object-fit: cover;
  z-index: 1;
}
.hero-image-placeholder {
  position: absolute; inset: 0;
  background: linear-gradient(160deg, #7B5B5E 0%, #D4A69A 50%, #E8985E 100%);
  z-index: 0;
}
.hero-stats {
  position: absolute; bottom: 24px; left: 24px; right: 24px;
  display: flex; gap: 12px; z-index: 2;
}
.hero-stat {
  background: rgba(61,44,46,.75);
  backdrop-filter: blur(8px);
  border-radius: 12px; padding: 16px 14px;
  flex: 1; text-align: center;
}
.hero-stat strong {
  display: block; font-size: 1.25rem;
  font-family: 'Playfair Display', serif; color: var(--blue);
}
.hero-stat span { font-size: .7rem; color: rgba(255,255,255,.6); }

@media (max-width: 900px) {
  .hero {
    grid-template-columns: 1fr; min-height: auto;
  }
  .hero-left {
    padding: 36px 24px;
  }
  .hero-right {
    position: relative; min-height: 320px;
  }
  .hero-stats { bottom: 16px; left: 16px; right: 16px; gap: 8px; }
  .hero-stat { padding: 12px 8px; }
}

@media (max-width: 480px) {
  .hero h1 { font-size: 1.75rem; }
  .hero-stats { flex-direction: column; }
}

/* --- Buttons --- */
.btn {
  display: inline-block; font-weight: 600; font-size: .9375rem;
  padding: 13px 28px; border-radius: var(--radius);
  border: none; cursor: pointer; transition: all var(--transition);
  text-align: center;
}
.btn-primary { background: var(--blue); color: var(--white); }
.btn-primary:hover { background: var(--navy-light); color: var(--white); }
.btn-gold { background: var(--blue); color: var(--white); }
.btn-gold:hover { background: var(--navy); color: var(--white); }
.btn-outline {
  background: transparent; color: var(--blue);
  border: 2px solid var(--blue);
}
.btn-outline:hover { background: var(--blue); color: var(--white); }

/* --- Loan Calculator --- */
.calc-card {
  background: var(--white);
  border-radius: 16px;
  border: 1px solid rgba(212,166,154,.12);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}
.calc-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 0;
}
.calc-inputs {
  padding: 32px 28px;
  border-right: 1px solid var(--gray-100);
}
.calc-field {
  margin-bottom: 24px;
}
.calc-field:last-child { margin-bottom: 0; }
.calc-field label {
  display: block; font-size: .8125rem; font-weight: 600;
  color: var(--navy); margin-bottom: 8px;
}
.calc-input-wrap {
  display: flex; align-items: center;
  background: var(--off-white); border: 1px solid rgba(212,166,154,.12);
  border-radius: var(--radius); overflow: hidden;
}
.calc-input-wrap input {
  flex: 1; border: none; background: none;
  padding: 12px 14px; font-size: 1.125rem; font-weight: 600;
  color: var(--navy); font-family: inherit;
  outline: none; width: 100%;
}
.calc-input-wrap input:focus {
  outline: none;
}
.calc-prefix, .calc-suffix {
  padding: 0 12px; font-size: .875rem; font-weight: 600;
  color: var(--gray-400); background: var(--gray-100);
  height: 100%; display: flex; align-items: center;
  min-height: 46px;
}
.calc-range {
  width: 100%; margin-top: 8px; cursor: pointer;
  -webkit-appearance: none; appearance: none;
  height: 6px; border-radius: 3px;
  background: var(--gray-200); outline: none;
}
.calc-range::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 20px; height: 20px; border-radius: 50%;
  background: var(--blue); cursor: pointer;
  border: 3px solid var(--white);
  box-shadow: 0 1px 4px rgba(61,44,46,.2);
}
.calc-range::-moz-range-thumb {
  width: 20px; height: 20px; border-radius: 50%;
  background: var(--blue); cursor: pointer;
  border: 3px solid var(--white);
  box-shadow: 0 1px 4px rgba(61,44,46,.2);
}
.calc-range-labels {
  display: flex; justify-content: space-between;
  font-size: .6875rem; color: var(--gray-400); margin-top: 4px;
}
.calc-results {
  padding: 32px 28px;
  background: var(--off-white);
  display: flex; flex-direction: column; justify-content: center;
}
.calc-result-main {
  text-align: center; margin-bottom: 24px;
  padding-bottom: 24px; border-bottom: 1px solid var(--gray-200);
}
.calc-result-label {
  display: block; font-size: .8125rem; color: var(--gray-600);
  margin-bottom: 6px;
}
.calc-result-value {
  display: block; font-size: 2.75rem; font-weight: 700;
  color: var(--blue); font-family: 'Playfair Display', serif;
  line-height: 1;
}
.calc-result-details {
  display: flex; flex-direction: column; gap: 10px;
}
.calc-detail {
  display: flex; justify-content: space-between;
  font-size: .875rem;
}
.calc-detail span { color: var(--gray-600); }
.calc-detail strong { color: var(--navy); }
.calc-disclaimer {
  font-size: .6875rem; color: var(--gray-400);
  margin-top: 14px; line-height: 1.5; text-align: center;
}

@media (max-width: 700px) {
  .calc-grid { grid-template-columns: 1fr; }
  .calc-inputs { border-right: none; border-bottom: 1px solid var(--gray-100); }
}

/* --- Section Utilities --- */
.section { padding: 70px 0; }
.section-alt { background: var(--off-white); }
.section-title {
  font-size: 1.75rem; margin-bottom: 10px;
  position: relative;
}
.section-subtitle {
  color: var(--gray-600); font-size: 1.0625rem;
  max-width: 600px; margin-bottom: 40px;
}
.text-center { text-align: center; }
.text-center .section-subtitle { margin-left: auto; margin-right: auto; }

/* --- Card Grid --- */
.card-grid {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 28px;
}
.card {
  background: var(--white); border-radius: var(--radius);
  padding: 32px 28px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-100);
  transition: box-shadow var(--transition), transform var(--transition);
}
.card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.card-icon {
  width: 48px; height: 48px;
  background: linear-gradient(135deg, var(--blue), var(--navy-light));
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px; color: var(--white); font-size: 1.25rem;
}
.card h3 { font-size: 1.125rem; margin-bottom: 10px; }
.card p { color: var(--gray-600); font-size: .9375rem; }

/* --- Program Cards (Design D) --- */
.program-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}
.program-card {
  background: var(--white);
  border-radius: 16px;
  overflow: hidden;
  border: 1px solid rgba(212,166,154,.12);
  transition: box-shadow var(--transition), transform var(--transition);
  box-shadow: 0 2px 12px rgba(61,44,46,.04);
}
.program-card:hover {
  box-shadow: 0 8px 28px rgba(61,44,46,.1);
  transform: translateY(-4px);
}
.program-bar {
  height: 6px; width: 100%;
}
.program-card-img {
  width: 100%; height: 140px;
  display: block; border-bottom: 1px solid rgba(212,166,154,.08);
  position: relative; overflow: hidden;
}
.program-card-img img {
  width: 100%; height: 100%; object-fit: cover;
}
.program-body {
  padding: 24px 22px;
}
.program-icon {
  width: 44px; height: 44px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
}
.program-card h3 {
  font-size: 1rem; margin-bottom: 8px; color: var(--navy);
}
.program-card p {
  color: var(--gray-600); font-size: .875rem;
  line-height: 1.6; margin-bottom: 14px;
}
.program-link {
  font-size: .8125rem; font-weight: 600;
  color: var(--blue); text-decoration: none;
  display: inline-flex; align-items: center; gap: 4px;
  transition: gap var(--transition);
}
.program-link:hover { gap: 8px; }

@media (max-width: 900px) {
  .program-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 480px) {
  .program-grid { grid-template-columns: 1fr; }
}

/* --- Program Detail (Design C — Split Sidebar) --- */
.program-split {
  display: grid; grid-template-columns: 270px 1fr;
  border-radius: 16px; overflow: hidden;
  border: 1px solid rgba(212,166,154,.12);
}
.program-split-sidebar {
  background: var(--navy); padding: 36px 28px;
  display: flex; flex-direction: column; justify-content: center;
}
.program-split-sidebar h2 {
  font-size: 1.5rem; color: var(--white);
  margin: 0 0 10px; line-height: 1.2;
}
.program-split-sidebar h2 em {
  font-style: normal; color: var(--blue);
}
.program-split-sidebar > p {
  font-size: .8125rem; color: rgba(255,255,255,.55);
  margin: 0 0 24px; line-height: 1.6;
}
.sidebar-stats {
  display: flex; flex-direction: column; gap: 8px;
}
.sidebar-stat {
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.06);
  border-radius: 10px; padding: 12px 14px;
  display: flex; align-items: center; gap: 10px;
}
.sidebar-stat strong {
  font-size: 1.125rem; color: var(--blue);
  font-family: 'Playfair Display', serif;
}
.sidebar-stat span {
  font-size: .625rem; color: rgba(255,255,255,.45);
}
.program-split-content {
  background: var(--off-white); padding: 36px 32px;
}
.program-tag {
  display: inline-block; font-size: .6875rem; font-weight: 700;
  padding: 4px 14px; border-radius: 12px;
  background: var(--blue); color: var(--white);
  margin-bottom: 14px; letter-spacing: .03em;
}
.program-split-content > p {
  font-size: .9375rem; color: var(--gray-600);
  line-height: 1.7; margin-bottom: 14px;
}
.program-checklist {
  list-style: none; padding: 0; margin: 0 0 20px;
}
.program-checklist li {
  padding: 9px 0; font-size: .9375rem; color: var(--navy);
  display: flex; align-items: center; gap: 12px;
  border-bottom: 1px solid var(--gray-100);
}
.program-checklist li:last-child { border-bottom: none; }
.check-icon {
  width: 24px; height: 24px; border-radius: 50%;
  background: #E6F5EE; display: flex;
  align-items: center; justify-content: center; flex-shrink: 0;
}
.program-callout {
  background: var(--white); border: 1px solid rgba(212,166,154,.12);
  border-radius: 12px; padding: 16px 18px;
  display: flex; gap: 12px; align-items: flex-start;
}
.callout-icon { flex-shrink: 0; margin-top: 2px; }
.program-callout p {
  font-size: .8125rem; color: var(--gray-600);
  margin: 0; line-height: 1.6;
}
.program-callout strong { color: var(--navy); }

@media (max-width: 700px) {
  .program-split { grid-template-columns: 1fr; }
  .program-split-sidebar {
    padding: 28px 24px;
  }
  .sidebar-stats {
    flex-direction: row; flex-wrap: wrap;
  }
  .sidebar-stat { flex: 1; min-width: 100px; }
}

/* --- Trust Bar --- */
.trust-bar {
  background: var(--gray-100);
  padding: 24px 0;
  text-align: center;
}
.trust-bar .container {
  display: flex; justify-content: center; align-items: center;
  flex-wrap: wrap; gap: 36px;
}
.trust-item {
  display: flex; align-items: center; gap: 8px;
  color: var(--gray-600); font-size: .875rem; font-weight: 500;
}
.trust-item svg { flex-shrink: 0; }

/* --- FAQ Accordion --- */
.faq-item {
  border: 1px solid rgba(212,166,154,.15);
  border-radius: 10px;
  margin-bottom: 12px; overflow: hidden;
  background: var(--white);
  box-shadow: 0 1px 8px rgba(61,44,46,.03);
  transition: box-shadow .2s;
}
.faq-item:hover {
  box-shadow: 0 3px 16px rgba(61,44,46,.07);
}
.faq-item.active {
  border-color: rgba(232,152,94,.25);
  box-shadow: 0 3px 16px rgba(232,152,94,.08);
}
.faq-question {
  width: 100%; background: var(--white);
  border: none; padding: 18px 22px;
  font-size: .975rem; font-weight: 600;
  color: var(--navy); text-align: left;
  cursor: pointer; display: flex;
  justify-content: space-between; align-items: center;
  transition: background var(--transition);
  gap: 12px;
}
.faq-question:hover { background: #FFF8F4; }
.faq-question::after {
  content: '+'; font-size: 1.25rem; font-weight: 400;
  color: var(--white); background: var(--blue);
  width: 26px; height: 26px; min-width: 26px;
  border-radius: 50%; display: flex;
  align-items: center; justify-content: center;
  transition: transform var(--transition), background .2s;
  font-size: 1rem;
}
.faq-item.active .faq-question::after {
  content: '−'; background: var(--navy);
  transform: rotate(180deg);
}
.faq-answer {
  max-height: 0; overflow: hidden;
  transition: max-height .35s ease, padding .35s ease;
}
.faq-item.active .faq-answer {
  max-height: 600px; padding: 0 22px 18px;
}
.faq-answer p { color: var(--gray-600); font-size: .9375rem; line-height: 1.7; }

/* --- How It Works --- */
.steps {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 32px; counter-reset: step;
}
.step { text-align: center; position: relative; }
.step::before {
  counter-increment: step;
  content: counter(step);
  display: flex; align-items: center; justify-content: center;
  width: 52px; height: 52px;
  background: var(--navy); color: var(--gold);
  font-family: 'Playfair Display', serif;
  font-size: 1.25rem; font-weight: 700;
  border-radius: 50%; margin: 0 auto 16px;
}
.step h3 { font-size: 1.0625rem; margin-bottom: 8px; }
.step p { font-size: .9rem; color: var(--gray-600); }

/* --- Expert Author Box --- */
.author-box {
  display: flex; gap: 24px; align-items: flex-start;
  background: var(--off-white); padding: 28px;
  border-radius: var(--radius); border-left: 4px solid var(--blue);
  margin: 36px 0;
}
.author-avatar {
  width: 72px; height: 72px; border-radius: 50%;
  background: var(--navy); color: var(--gold);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif;
  font-size: 1.25rem; font-weight: 700; flex-shrink: 0;
}
.author-info h4 { font-size: 1rem; margin-bottom: 2px; }
.author-info .title { color: var(--blue); font-size: .8125rem; font-weight: 600; margin-bottom: 6px; }
.author-info p { color: var(--gray-600); font-size: .875rem; line-height: 1.6; }

/* --- CTA Banner --- */
.cta-banner {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: var(--white); padding: 36px 0; text-align: center;
}
.cta-banner h2 { color: var(--white); font-size: 1.5rem; margin-bottom: 8px; }
.cta-banner p { opacity: .88; margin-bottom: 18px; font-size: 1rem; max-width: 540px; margin-left: auto; margin-right: auto; }

/* --- Footer --- */
.site-footer {
  background: var(--navy); color: rgba(255,255,255,.7);
  padding: 60px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px; margin-bottom: 40px;
}
.footer-brand p { font-size: .875rem; line-height: 1.7; margin-top: 14px; }
.footer-col h4 {
  color: var(--white); font-size: .9rem;
  margin-bottom: 16px; font-family: 'Nunito', sans-serif;
}
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 8px; }
.footer-col a { color: rgba(255,255,255,.65); font-size: .875rem; }
.footer-col a:hover { color: var(--gold); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1);
  padding: 20px 0; font-size: .8125rem;
  display: flex; justify-content: space-between;
  align-items: center; flex-wrap: wrap; gap: 12px;
}
.footer-bottom a { color: rgba(255,255,255,.5); }
.footer-bottom a:hover { color: var(--gold); }

/* --- Article / Content Pages --- */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: var(--white); padding: 52px 0; text-align: center;
  position: relative; overflow: hidden;
}
.page-hero-bg {
  position: absolute; inset: 0;
}
.page-hero-bg img {
  width: 100%; height: 100%; object-fit: cover; opacity: .18;
}
.page-hero-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(61,44,46,.88), rgba(61,44,46,.78));
}
.page-hero .container {
  position: relative; z-index: 2;
}
.page-hero h1 { color: var(--white); font-size: 2rem; margin-bottom: 10px; }
.page-hero p { opacity: .85; max-width: 600px; margin-left: auto; margin-right: auto; }
.page-hero .breadcrumb { justify-content: center; }

/* --- Services Hero (Full image + tabs) --- */
.services-hero {
  position: relative; min-height: 380px;
  display: flex; align-items: center; justify-content: center;
  overflow: hidden;
}
.services-hero-bg {
  position: absolute; inset: 0; z-index: 0;
  background: linear-gradient(160deg, #7B5B5E 0%, #D4A69A 50%, #E8985E 100%);
}
.services-hero-img {
  width: 100%; height: 100%; object-fit: cover;
  position: absolute; inset: 0;
}
.services-hero-overlay {
  position: absolute; inset: 0; z-index: 1;
  background: rgba(61,44,46,.6);
}
.services-hero-content {
  position: relative; z-index: 2;
  text-align: center; padding: 48px 24px;
  max-width: 620px;
}
.services-hero-content h1 {
  font-size: 2.25rem; color: #fff; margin: 0 0 12px; line-height: 1.2;
}
.services-hero-content h1 em {
  font-style: normal; color: var(--blue-light);
}
.services-hero-content > p {
  font-size: .9375rem; color: rgba(255,255,255,.8);
  margin: 0 0 28px; line-height: 1.6; max-width: none;
}
.services-hero-tabs {
  display: flex; gap: 8px; justify-content: center; flex-wrap: wrap;
}
.sht {
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: 24px; padding: 9px 20px;
  font-size: .8125rem; color: #fff; font-weight: 500;
  text-decoration: none;
  transition: background var(--transition), border-color var(--transition);
}
.sht:hover { background: rgba(255,255,255,.2); }
.sht.active {
  background: var(--blue); border-color: var(--blue);
}

@media (max-width: 600px) {
  .services-hero-content h1 { font-size: 1.75rem; }
  .sht { padding: 7px 14px; font-size: .75rem; }
}

.breadcrumb {
  font-size: .8125rem; margin-bottom: 14px; color: rgba(255,255,255,.6);
}
.breadcrumb a { color: var(--gold); }
.breadcrumb a:hover { color: var(--white); }

.content-body { padding: 50px 0; }
.content-body .container { max-width: 820px; }
.content-body h2 { font-size: 1.4rem; margin: 36px 0 14px; }
.content-body h3 { font-size: 1.15rem; margin: 28px 0 10px; }
.content-body p { margin-bottom: 16px; color: var(--gray-800); }
.content-body ul, .content-body ol {
  margin: 0 0 16px 24px; color: var(--gray-800);
}
.content-body li { margin-bottom: 6px; font-size: .9375rem; }

.callout {
  background: var(--off-white); border-left: 4px solid var(--blue);
  padding: 20px 24px; border-radius: var(--radius);
  margin: 24px 0;
}
.callout strong { color: var(--navy); }
.callout p { margin-bottom: 0; font-size: .9375rem; }

/* --- Table --- */
.content-table {
  width: 100%; border-collapse: collapse; margin: 24px 0;
  font-size: .9375rem;
}
.content-table th, .content-table td {
  text-align: left; padding: 12px 16px;
  border-bottom: 1px solid var(--gray-200);
}
.content-table th { background: var(--off-white); color: var(--navy); font-weight: 600; }
.content-table tr:hover td { background: var(--off-white); }

/* --- Sidebar --- */
.content-with-sidebar {
  display: grid; grid-template-columns: 1fr 320px; gap: 48px;
}
.sidebar-widget {
  background: var(--off-white); padding: 24px;
  border-radius: var(--radius); margin-bottom: 24px;
}
.sidebar-widget h4 {
  font-size: .95rem; margin-bottom: 12px;
  font-family: 'Nunito', sans-serif; font-weight: 600;
}
.sidebar-widget ul { list-style: none; }
.sidebar-widget li {
  padding: 8px 0; border-bottom: 1px solid var(--gray-200);
  font-size: .875rem;
}
.sidebar-widget li:last-child { border-bottom: none; }
.sidebar-widget a { color: var(--gray-800); }
.sidebar-widget a:hover { color: var(--blue); }

/* --- Review Stars (Schema) --- */
.rating-display {
  display: flex; align-items: center; gap: 10px;
  margin-bottom: 8px;
}
.rating-display .score {
  font-size: 2rem; font-weight: 700;
  font-family: 'Playfair Display', serif; color: var(--navy);
}
.rating-display .stars { color: var(--blue); font-size: 1.125rem; }
.rating-display .count { color: var(--gray-400); font-size: .8125rem; }

/* --- Responsive --- */
@media (max-width: 900px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .content-with-sidebar { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  .nav-toggle { display: block; }
  .main-nav {
    position: absolute; top: 100%; left: 0; right: 0;
    background: var(--white); border-top: 1px solid var(--gray-200);
    box-shadow: var(--shadow-lg);
    max-height: 0; overflow: hidden;
    transition: max-height .35s ease;
  }
  .main-nav.open { max-height: 500px; }
  .main-nav ul { flex-direction: column; padding: 12px 24px; gap: 0; }
  .main-nav a { display: block; padding: 12px 0; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .steps { grid-template-columns: 1fr; }
  .author-box { flex-direction: column; align-items: center; text-align: center; }
}

/* --- Accessibility focus --- */
:focus-visible {
  outline: 2px solid var(--blue);
  outline-offset: 2px;
}

/* --- Utility --- */
.sr-only {
  position: absolute; width: 1px; height: 1px;
  padding: 0; margin: -1px; overflow: hidden;
  clip: rect(0,0,0,0); border: 0;
}
.mt-1 { margin-top: 8px; }
.mt-2 { margin-top: 16px; }
.mt-3 { margin-top: 24px; }
.mb-1 { margin-bottom: 8px; }
.mb-2 { margin-bottom: 16px; }
.mb-3 { margin-bottom: 24px; }

/* --- Rebuild Steps --- */
.rebuild-steps {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px;
}
.rebuild-step {
  background: var(--white); border: 1px solid rgba(212,166,154,.12);
  border-radius: 14px; padding: 24px 20px; text-align: center;
  transition: box-shadow var(--transition), transform var(--transition);
  box-shadow: 0 2px 10px rgba(61,44,46,.03);
  position: relative;
}
.rebuild-step:hover { box-shadow: 0 6px 24px rgba(61,44,46,.09); transform: translateY(-3px); }
.rebuild-step::after {
  content: ''; position: absolute; bottom: 0; left: 20%; right: 20%;
  height: 3px; border-radius: 0 0 14px 14px;
  background: linear-gradient(90deg, transparent, rgba(232,152,94,.2), transparent);
}
.rebuild-num {
  width: 48px; height: 48px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem; font-weight: 700; margin: 0 auto 14px;
  font-family: 'Playfair Display', serif;
  box-shadow: 0 2px 8px rgba(0,0,0,.06);
}
.rebuild-step h3 { font-size: .9375rem; margin-bottom: 6px; color: var(--navy); }
.rebuild-step p { font-size: .8125rem; color: var(--gray-600); margin: 0; line-height: 1.5; }

@media (max-width: 700px) { .rebuild-steps { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .rebuild-steps { grid-template-columns: 1fr; } }

/* --- How It Works Timeline --- */
.hiw-timeline {
  display: flex; justify-content: center; gap: 0;
  max-width: 900px; margin: 0 auto;
}
.hiw-step {
  flex: 1; text-align: center; position: relative;
  padding: 0 12px;
}
.hiw-icon {
  width: 58px; height: 58px; border-radius: 16px;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 14px; position: relative; z-index: 2;
  box-shadow: 0 3px 12px rgba(0,0,0,.06);
  transition: transform .2s, box-shadow .2s;
}
.hiw-step:hover .hiw-icon {
  transform: scale(1.08);
  box-shadow: 0 5px 18px rgba(0,0,0,.1);
}
.hiw-line {
  position: absolute; top: 28px; left: calc(50% + 28px);
  right: calc(-50% + 28px); height: 2px;
  background: linear-gradient(90deg, rgba(212,166,154,.3), rgba(232,152,94,.2));
  z-index: 1;
}
.hiw-step:last-child .hiw-line { display: none; }
.hiw-step h3 { font-size: .875rem; margin-bottom: 6px; color: var(--navy); }
.hiw-step p { font-size: .75rem; color: var(--gray-600); margin: 0; line-height: 1.5; }

@media (max-width: 700px) {
  .hiw-timeline { flex-direction: column; gap: 20px; align-items: center; }
  .hiw-line { display: none !important; }
  .hiw-step { max-width: 300px; }
}

/* --- Credit Factors Grid --- */
.credit-grid {
  display: flex; justify-content: center; gap: 14px; flex-wrap: wrap;
}
.credit-factor {
  background: var(--white); border: 1px solid rgba(212,166,154,.12);
  border-radius: 14px; padding: 22px 18px; text-align: center;
  width: 160px; transition: box-shadow var(--transition), transform var(--transition);
  box-shadow: 0 2px 10px rgba(61,44,46,.03);
}
.credit-factor:hover { box-shadow: 0 6px 22px rgba(61,44,46,.09); transform: translateY(-4px); }
.credit-pct {
  width: 52px; height: 52px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem; font-weight: 700; margin: 0 auto 12px;
  font-family: 'Playfair Display', serif;
  box-shadow: 0 2px 8px rgba(0,0,0,.05);
}
.credit-factor h4 { font-size: .8125rem; margin-bottom: 4px; color: var(--navy); }
.credit-factor p { font-size: .75rem; color: var(--gray-600); margin: 0; line-height: 1.4; }

/* --- Expert Card --- */
.expert-card {
  display: grid; grid-template-columns: 200px 1fr;
  background: var(--white); border: 1px solid rgba(212,166,154,.12);
  border-radius: 16px; overflow: hidden;
  box-shadow: 0 4px 20px rgba(61,44,46,.06);
}
.expert-left {
  background: var(--navy); padding: 32px 24px;
  display: flex; flex-direction: column; align-items: center;
  justify-content: center; text-align: center; color: var(--white);
}
.expert-left .author-avatar {
  background: rgba(232,152,94,.2); color: var(--blue);
  margin-bottom: 12px;
}
.expert-left h4 { font-size: .9375rem; margin: 0 0 4px; color: var(--white); }
.expert-title { font-size: .75rem; color: rgba(255,255,255,.6); margin: 0 0 4px; }
.expert-cert { font-size: .6875rem; color: var(--blue); margin: 0; }
.expert-right { padding: 32px 28px; }
.expert-right p { font-size: .9375rem; color: var(--gray-600); line-height: 1.7; margin-bottom: 0; }

@media (max-width: 700px) {
  .expert-card { grid-template-columns: 1fr; }
  .expert-left { padding: 24px; }
}

/* --- Section Decorative Elements --- */

/* Floating decorative circles on sidebars */
.program-split-sidebar {
  position: relative; overflow: hidden;
}
.program-split-sidebar::before {
  content: ''; position: absolute;
  top: -40px; right: -40px;
  width: 160px; height: 160px;
  border-radius: 50%;
  background: rgba(255,255,255,.05);
}
.program-split-sidebar::after {
  content: ''; position: absolute;
  bottom: -30px; left: -30px;
  width: 120px; height: 120px;
  border-radius: 50%;
  background: rgba(255,255,255,.03);
}

/* How It Works decorative background */
#how-it-works {
  position: relative;
}
#how-it-works::before {
  content: ''; position: absolute;
  top: 40px; left: 5%;
  width: 200px; height: 200px;
  border-radius: 50%;
  background: rgba(232,152,94,.04);
  pointer-events: none;
}
#how-it-works::after {
  content: ''; position: absolute;
  bottom: 40px; right: 5%;
  width: 250px; height: 250px;
  border-radius: 50%;
  background: rgba(139,110,200,.04);
  pointer-events: none;
}

/* CTA Banner with decorative overlay */
.cta-banner {
  position: relative; overflow: hidden;
}
.cta-banner::before {
  content: ''; position: absolute;
  top: -60px; left: -60px;
  width: 300px; height: 300px;
  border-radius: 50%;
  background: rgba(232,152,94,.08);
  pointer-events: none;
}
.cta-banner::after {
  content: ''; position: absolute;
  bottom: -80px; right: -80px;
  width: 350px; height: 350px;
  border-radius: 50%;
  background: rgba(212,166,154,.06);
  pointer-events: none;
}

/* Testimonial quote styling */
.testimonial-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px;
}
.testimonial {
  position: relative; padding-top: 40px;
  background: #fff; border-radius: 12px; padding: 40px 24px 24px;
  box-shadow: 0 2px 16px rgba(61,44,46,.06);
  border: 1px solid rgba(212,166,154,.12);
  transition: transform .2s, box-shadow .2s;
}
.testimonial:hover {
  transform: translateY(-3px);
  box-shadow: 0 6px 24px rgba(61,44,46,.1);
}
.testimonial::before {
  content: '\201C'; position: absolute;
  top: 12px; left: 20px;
  font-size: 3rem; line-height: 1;
  color: var(--blue); opacity: .15;
  font-family: 'Playfair Display', serif;
}
.testimonial .stars {
  color: #E8985E; font-size: .9rem; margin-bottom: 8px; letter-spacing: 2px;
}
.testimonial blockquote {
  font-size: .92rem; line-height: 1.6; color: var(--gray-600);
  margin: 0 0 12px; font-style: italic;
}
.testimonial cite {
  font-size: .82rem; font-style: normal; color: var(--navy); font-weight: 600;
  display: block;
}
.testimonial cite span {
  font-weight: 400; color: var(--gray-600); margin-left: 4px;
}
@media (max-width: 900px) {
  .testimonial-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 600px) {
  .testimonial-grid { grid-template-columns: 1fr; }
}

/* Rebuild section decorative */
#rebuild {
  position: relative;
}
#rebuild::before {
  content: ''; position: absolute;
  top: 50%; left: 50%; transform: translate(-50%,-50%);
  width: 400px; height: 400px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(232,152,94,.04) 0%, transparent 70%);
  pointer-events: none;
}

/* Credit education decorative */
#credit-education {
  position: relative;
}
#credit-education::before {
  content: ''; position: absolute;
  top: 30px; right: 8%;
  width: 180px; height: 180px;
  border-radius: 50%;
  background: rgba(106,142,94,.04);
  pointer-events: none;
}

/* Program image placeholder for sidebars */
.sidebar-img-placeholder {
  margin-top: 20px;
  border-radius: 12px;
  overflow: hidden;
  border: 1px solid rgba(255,255,255,.08);
  height: 120px;
  display: flex; align-items: center; justify-content: center;
  background: rgba(255,255,255,.04);
  position: relative;
}
.sidebar-img-placeholder img {
  width: 100%; height: 100%; object-fit: cover;
}
.sidebar-img-placeholder svg {
  opacity: .3;
}

/* Section image panels */
.section-image-panel {
  border-radius: 14px;
  overflow: hidden;
  margin-bottom: 24px;
  height: 200px;
  position: relative;
  display: flex; align-items: center; justify-content: center;
}
.section-image-panel img {
  width: 100%; height: 100%; object-fit: cover;
  position: absolute; inset: 0;
}
.section-image-panel .img-overlay {
  position: absolute; inset: 0;
  display: flex; align-items: center; justify-content: center;
}

/* --- Enhanced Subpage Styles --- */
.page-hero {
  position: relative; overflow: hidden;
}
.page-hero::before {
  content: ''; position: absolute;
  top: -40px; right: -60px;
  width: 200px; height: 200px;
  border-radius: 50%;
  background: rgba(232,152,94,.06);
  pointer-events: none;
}
.page-hero::after {
  content: ''; position: absolute;
  bottom: -30px; left: -40px;
  width: 160px; height: 160px;
  border-radius: 50%;
  background: rgba(139,110,200,.04);
  pointer-events: none;
}
.content-body {
  position: relative;
}
.content-body h2 {
  position: relative; padding-left: 16px;
  border-left: 3px solid var(--blue);
}
.content-body h3 {
  color: var(--navy); margin-top: 28px;
}
.content-table {
  width: 100%; border-collapse: collapse;
  margin: 20px 0; border-radius: 10px; overflow: hidden;
  box-shadow: 0 2px 12px rgba(61,44,46,.04);
}
.content-table th,
.content-table td {
  padding: 12px 16px; text-align: left;
  border-bottom: 1px solid rgba(212,166,154,.12);
  font-size: .9375rem;
}
.content-table th {
  background: rgba(232,152,94,.06);
  color: var(--navy); font-weight: 600;
  width: 35%;
}
.content-table td {
  color: var(--gray-600);
}
.content-table tr:last-child th,
.content-table tr:last-child td {
  border-bottom: none;
}
.content-table tr:hover td {
  background: rgba(255,245,238,.5);
}
.callout {
  background: linear-gradient(135deg, rgba(106,142,94,.06), rgba(232,152,94,.04));
  border-left: 3px solid var(--success);
  border-radius: 0 10px 10px 0;
  padding: 18px 22px;
  margin: 20px 0;
}
.callout p { margin: 0; font-size: .9375rem; color: var(--gray-600); line-height: 1.7; }

/* Section divider image */
.section-decor {
  text-align: center; padding: 12px 0;
}
.section-decor img {
  max-width: 100px; opacity: .4;
}

/* Enhanced card styling for subpages */
.card {
  border: 1px solid rgba(212,166,154,.12);
  box-shadow: 0 2px 14px rgba(61,44,46,.04);
  border-radius: 12px;
  transition: box-shadow .2s, transform .2s;
}
.card:hover {
  box-shadow: 0 6px 24px rgba(61,44,46,.09);
  transform: translateY(-2px);
}

/* CTA section for subpages */
.sub-cta {
  background: var(--navy); color: #FFF5EE;
  padding: 48px 24px; text-align: center;
  position: relative; overflow: hidden;
}
.sub-cta::before {
  content: ''; position: absolute;
  top: -50px; left: -50px;
  width: 250px; height: 250px;
  border-radius: 50%;
  background: rgba(232,152,94,.08);
  pointer-events: none;
}
.sub-cta::after {
  content: ''; position: absolute;
  bottom: -60px; right: -60px;
  width: 300px; height: 300px;
  border-radius: 50%;
  background: rgba(212,166,154,.05);
  pointer-events: none;
}
.sub-cta h2 { color: #FFF5EE; margin-bottom: 12px; }
.sub-cta p { color: #D4A69A; margin-bottom: 20px; }

/* Review card enhanced */
.review-card {
  background: var(--white);
  border: 1px solid rgba(212,166,154,.12);
  border-radius: 12px;
  padding: 24px;
  box-shadow: 0 2px 12px rgba(61,44,46,.04);
  transition: box-shadow .2s, transform .2s;
  position: relative;
}
.review-card:hover {
  box-shadow: 0 6px 22px rgba(61,44,46,.09);
  transform: translateY(-2px);
}
.review-card::before {
  content: '\201C'; position: absolute;
  top: 8px; left: 16px;
  font-size: 2.5rem; line-height: 1;
  color: var(--blue); opacity: .12;
  font-family: 'Playfair Display', serif;
}

/* Stats highlight boxes */
.stat-highlight {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(232,152,94,.06);
  border: 1px solid rgba(232,152,94,.12);
  border-radius: 20px;
  padding: 6px 16px;
  font-size: .85rem; color: var(--navy);
  margin: 4px;
}
.stat-highlight strong {
  color: var(--blue); font-size: 1rem;
}

/* --- Bad Credit Section — Option 1: Horizontal Stats Bar --- */
.bc-section {
  position: relative;
}
.bc-header {
  margin-bottom: 24px;
}
.bc-stats-bar {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
  margin-bottom: 28px;
}
.bc-stat-card {
  background: var(--navy);
  border-radius: 10px;
  padding: 18px 16px;
  text-align: center;
  transition: transform .2s, box-shadow .2s;
}
.bc-stat-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 6px 20px rgba(61,44,46,.15);
}
.bc-stat-card strong {
  display: block;
  font-family: 'Playfair Display', serif;
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--blue);
  margin-bottom: 4px;
}
.bc-stat-card span {
  font-size: .78rem;
  color: #D4A69A;
  text-transform: uppercase;
  letter-spacing: .04em;
}
.bc-content-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  align-items: start;
  margin-bottom: 24px;
}
.bc-checklist {
  list-style: none;
  padding: 0; margin: 0;
}
.bc-checklist li {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 0;
  font-size: .9375rem;
  color: var(--navy);
  border-bottom: 1px solid rgba(212,166,154,.1);
}
.bc-checklist li:last-child {
  border-bottom: none;
}
.bc-expert-tip {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  background: linear-gradient(135deg, rgba(106,142,94,.06), rgba(232,152,94,.03));
  border-left: 3px solid var(--success);
  border-radius: 0 12px 12px 0;
  padding: 18px 22px;
}
.bc-tip-icon {
  flex-shrink: 0;
  margin-top: 2px;
}
.bc-expert-tip p {
  margin: 0;
  font-size: .9rem;
  line-height: 1.7;
  color: var(--gray-600);
}

@media (max-width: 700px) {
  .bc-stats-bar {
    grid-template-columns: repeat(2, 1fr);
  }
  .bc-content-grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }
}

/* --- Design B: Full Photo Background Cards --- */
.pgm-card-b {
  border-radius: 14px;
  overflow: hidden;
  position: relative;
  height: 280px;
  cursor: pointer;
  transition: transform .25s, box-shadow .25s;
}
.pgm-card-b:hover {
  transform: translateY(-5px);
  box-shadow: 0 12px 32px rgba(61,44,46,.2);
}
.pgm-bg {
  position: absolute; inset: 0;
  width: 100%; height: 100%;
  object-fit: cover;
  transition: transform .4s;
}
.pgm-card-b:hover .pgm-bg {
  transform: scale(1.05);
}
.pgm-overlay {
  position: absolute; inset: 0;
  z-index: 1;
}
.pgm-card-content {
  position: absolute;
  bottom: 0; left: 0; right: 0;
  padding: 24px;
  z-index: 2;
}
.pgm-card-content h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.2rem;
  font-weight: 700;
  color: #FFF5EE;
  margin-bottom: 8px;
}
.pgm-card-content p {
  font-size: .85rem;
  color: rgba(255,245,238,.75);
  line-height: 1.55;
  margin-bottom: 10px;
}
.pgm-link {
  font-size: .85rem;
  font-weight: 600;
  text-decoration: none;
  transition: opacity .2s;
}
.pgm-link:hover {
  opacity: .8;
}
@media (max-width: 700px) {
  .pgm-card-b { height: 220px; }
  .pgm-card-content { padding: 16px; }
  .pgm-card-content h3 { font-size: 1.05rem; }
}