/* =========================================================
   8 Ball Powersports
   Dark, industrial, high-contrast. Safety-orange accent.
   ========================================================= */

:root {
  --bg: #0b0b0d;
  --bg-2: #111215;
  --surface: #17181c;
  --surface-2: #1e2025;
  --line: #2a2c33;
  --line-2: #3a3d45;
  --text: #f4f1ea;
  --muted: #a3a6ad;
  --dim: #6f737b;
  --accent: #ff6a13;
  --accent-2: #ff8a3d;
  --accent-ink: #120700;
  --ok: #3ddc84;
  --danger: #ff4d4d;

  --radius: 14px;
  --radius-sm: 8px;
  --shadow: 0 20px 60px -20px rgba(0, 0, 0, .8);
  --container: 1200px;

  --font-display: "Barlow Condensed", "Arial Narrow", Impact, sans-serif;
  --font-body: "Barlow", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }

html { scroll-behavior: smooth; scroll-padding-top: 84px; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation: none !important; transition: none !important; }
}

body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

img, svg { display: block; max-width: 100%; }
a { color: inherit; }
button, input, select { font: inherit; color: inherit; }

h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 800;
  line-height: 1;
  letter-spacing: .005em;
  text-transform: uppercase;
  margin: 0 0 .5em;
}
h1 { font-size: clamp(3.2rem, 8vw, 6.4rem); font-weight: 900; }
h2 { font-size: clamp(2.2rem, 4.6vw, 3.6rem); }
h3 { font-size: 1.6rem; }
p { margin: 0 0 1em; }

.accent { color: var(--accent); }

.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

.skip-link {
  position: absolute; left: -9999px; top: 8px;
  background: var(--accent); color: var(--accent-ink);
  padding: 8px 14px; border-radius: 6px; z-index: 100; font-weight: 700;
}
.skip-link:focus { left: 8px; }

:focus-visible { outline: 2px solid var(--accent); outline-offset: 3px; }

.eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: .95rem;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 18px;
}
.eyebrow-em {
  color: var(--text);
  text-decoration: underline;
  text-decoration-color: var(--accent);
  text-decoration-thickness: 2px;
  text-underline-offset: 3px;
}

.card {
  background: linear-gradient(180deg, var(--surface-2), var(--surface));
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.fine { font-size: .85rem; color: var(--dim); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.15rem;
  letter-spacing: .06em;
  text-transform: uppercase;
  text-decoration: none;
  padding: 14px 26px;
  border-radius: var(--radius-sm);
  border: 2px solid transparent;
  cursor: pointer;
  transition: transform .15s ease, background .15s ease, border-color .15s ease, box-shadow .15s ease;
  white-space: nowrap;
}
.btn:active { transform: translateY(1px); }
.btn-primary {
  background: var(--accent);
  color: var(--accent-ink);
  box-shadow: 0 8px 24px -8px rgba(255, 106, 19, .6);
}
.btn-primary:hover { background: var(--accent-2); box-shadow: 0 10px 30px -8px rgba(255, 106, 19, .8); }
.btn-ghost { background: transparent; border-color: var(--line-2); color: var(--text); }
.btn-ghost:hover { border-color: var(--text); }
.btn-sm { padding: 9px 16px; font-size: 1rem; }
.btn-lg { padding: 18px 34px; font-size: 1.3rem; }
.btn-block { width: 100%; }

.hero-mobile-cta { display: none; }

/* Spam trap: invisible to people, filled in by bots */
.hp { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(11, 11, 13, .82);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid transparent;
  transition: border-color .2s ease, background .2s ease;
}
.site-header.is-scrolled { border-bottom-color: var(--line); background: rgba(11, 11, 13, .95); }
.header-inner { display: flex; align-items: center; gap: 28px; height: 72px; }

.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; flex-shrink: 0; }
.brand img { width: 44px; height: 44px; }
.brand-text { display: flex; flex-direction: column; line-height: .9; font-family: var(--font-display); }
.brand-name { font-weight: 900; font-size: 1.65rem; letter-spacing: .04em; }
.brand-sub { font-weight: 700; font-size: .72rem; letter-spacing: .32em; color: var(--accent); }

.main-nav { display: flex; gap: 26px; margin-left: auto; }
.main-nav a {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.02rem;
  letter-spacing: .06em;
  text-transform: uppercase;
  text-decoration: none;
  color: var(--muted);
  white-space: nowrap;
  transition: color .15s;
}
.main-nav a:hover { color: var(--text); }

.header-actions { display: flex; align-items: center; gap: 18px; }
.label-short { display: none; }

.nav-toggle {
  display: none;
  width: 44px; height: 44px;
  background: none; border: 1px solid var(--line-2); border-radius: var(--radius-sm);
  cursor: pointer; padding: 0;
  flex-direction: column; align-items: center; justify-content: center; gap: 5px;
}
.nav-toggle span { display: block; width: 20px; height: 2px; background: var(--text); transition: transform .2s, opacity .2s; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  padding: 90px 0 110px;
  overflow: hidden;
  isolation: isolate;
}
.hero-bg { position: absolute; inset: 0; z-index: -1; }
.hero-grid {
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,.035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.035) 1px, transparent 1px);
  background-size: 56px 56px;
  mask-image: radial-gradient(ellipse at 70% 40%, #000 20%, transparent 75%);
  -webkit-mask-image: radial-gradient(ellipse at 70% 40%, #000 20%, transparent 75%);
}
.hero-glow {
  position: absolute; width: 900px; height: 900px; right: -250px; top: -300px;
  background: radial-gradient(circle, rgba(255,106,19,.22), transparent 60%);
}
.hero-ball {
  position: absolute; width: 620px; height: 620px;
  right: -180px; bottom: -220px;
  opacity: .16;
  filter: blur(1px);
  animation: roll 60s linear infinite;
}
@keyframes roll { to { transform: rotate(360deg); } }

.hero-inner {
  display: grid;
  grid-template-columns: 1.15fr .85fr;
  gap: 56px;
  align-items: center;
}
.hero h1 { margin-bottom: 24px; }
.lead { font-size: 1.2rem; color: var(--muted); max-width: 560px; }

.hero-checks { list-style: none; padding: 0; margin: 28px 0 0; display: grid; gap: 12px; }
.hero-checks li { display: flex; align-items: center; gap: 12px; font-weight: 600; }
.hero-checks li::before {
  content: ""; flex-shrink: 0;
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--accent) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23120700' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center / 13px no-repeat;
}

.quickstart { padding: 30px; }
.qs-kicker {
  font-family: var(--font-display); font-weight: 700; letter-spacing: .16em; text-transform: uppercase;
  color: var(--accent); font-size: .9rem; margin-bottom: 6px;
}
.quickstart h2 { font-size: 2.2rem; margin-bottom: 20px; }
.qs-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; }
.qs-option {
  position: relative;
  display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 12px;
  padding: 18px 10px 16px;
  background: var(--bg-2);
  border: 1px solid var(--line);
  border-radius: 12px;
  cursor: pointer;
  overflow: hidden;
  transition: border-color .2s, background .2s, transform .2s, box-shadow .2s;
}
.qs-option::before {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(120% 80% at 50% 0%, rgba(255,106,19,.16), transparent 60%);
  opacity: 0; transition: opacity .2s;
}
.qs-icon {
  position: relative;
  width: 100%; max-width: 120px; aspect-ratio: 16 / 10;
  display: grid; place-items: center;
  border-radius: 10px;
  background: linear-gradient(180deg, rgba(255,255,255,.05), rgba(255,255,255,0));
  border: 1px solid rgba(255,255,255,.06);
}
.qs-icon svg {
  width: 76%; height: auto;
  fill: none; stroke: var(--text); stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round;
  transition: transform .25s ease;
}
.qs-icon .hub { fill: var(--accent); stroke: none; }
.qs-label {
  position: relative;
  font-family: var(--font-display); font-weight: 800; font-size: 1.1rem; letter-spacing: .06em; text-transform: uppercase;
}
.qs-option:hover {
  border-color: var(--accent);
  transform: translateY(-3px);
  box-shadow: 0 14px 30px -14px rgba(255,106,19,.55);
}
.qs-option:hover::before { opacity: 1; }
.qs-option:hover .qs-icon svg { transform: translateX(3px); }
.qs-foot { margin: 16px 0 0; text-align: center; color: var(--dim); font-size: .9rem; }

/* ---------- Trust bar ---------- */
.trust-bar {
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  background:
    repeating-linear-gradient(135deg, rgba(255,255,255,.02) 0 12px, transparent 12px 24px),
    var(--bg-2);
}
.trust-inner { display: grid; grid-template-columns: repeat(4, 1fr); }
.trust-item {
  padding: 26px 20px;
  display: flex; flex-direction: column; align-items: center; text-align: center;
  border-left: 1px solid var(--line);
}
.trust-item:first-child { border-left: 0; }
.trust-item strong {
  font-family: var(--font-display); font-weight: 900; font-size: 1.9rem;
  text-transform: uppercase; letter-spacing: .02em; line-height: 1.1;
}
.trust-item span { color: var(--muted); font-size: .95rem; }

/* ---------- Sections ---------- */
.section { padding: 110px 0; }
.section-alt { background: var(--bg-2); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-head { max-width: 760px; margin-bottom: 56px; }
.section-sub { color: var(--muted); font-size: 1.15rem; }

/* ---------- Finance grid ---------- */
.finance-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.finance-card {
  position: relative;
  padding: 32px 28px 28px;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  transition: border-color .2s, transform .2s;
}
.finance-card::after {
  content: ""; position: absolute; left: 0; top: 0; height: 3px; width: 0;
  background: var(--accent); transition: width .3s ease;
}
.finance-card:hover { border-color: var(--line-2); transform: translateY(-3px); }
.finance-card:hover::after { width: 100%; }
.finance-num {
  display: block;
  font-family: var(--font-display); font-weight: 900; font-size: 3.4rem; line-height: 1;
  color: transparent; -webkit-text-stroke: 1.5px var(--line-2);
  margin-bottom: 18px;
}
.finance-card h3 { margin-bottom: 10px; }
.finance-card p { color: var(--muted); }
.finance-link {
  font-family: var(--font-display); font-weight: 700; font-size: 1.05rem; letter-spacing: .06em;
  text-transform: uppercase; text-decoration: none; color: var(--accent);
}
.finance-link span { display: inline-block; transition: transform .15s; }
.finance-link:hover span { transform: translateX(4px); }

/* ---------- Steps ---------- */
.steps {
  list-style: none; padding: 0; margin: 0;
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 40px;
  counter-reset: none;
  position: relative;
}
.steps::before {
  content: ""; position: absolute; top: 40px; left: 10%; right: 10%;
  border-top: 2px dashed var(--line-2);
  z-index: 0;
}
.step { position: relative; z-index: 1; text-align: center; }
.step-ball {
  width: 80px; height: 80px; margin: 0 auto 26px; border-radius: 50%;
  background: radial-gradient(circle at 36% 30%, #4a4d55, #16171b 38%, #000 100%);
  border: 2px solid var(--accent);
  display: grid; place-items: center;
  box-shadow: 0 0 0 8px var(--bg-2), 0 10px 30px -10px rgba(255,106,19,.6);
}
.step-ball span {
  width: 38px; height: 38px; border-radius: 50%;
  background: var(--text); color: #0b0b0d;
  display: grid; place-items: center;
  font-family: var(--font-display); font-weight: 900; font-size: 1.5rem;
}
.step p { color: var(--muted); max-width: 320px; margin: 0 auto; }

/* ---------- Calculator ---------- */
.calc-wrap { display: grid; grid-template-columns: .9fr 1.1fr; gap: 64px; align-items: center; }
.calc { padding: 32px; display: grid; gap: 22px; }

.field { display: grid; gap: 8px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field label, .field .label {
  font-weight: 600; font-size: .9rem; color: var(--muted);
  display: flex; justify-content: space-between; align-items: baseline;
}
.field output { font-family: var(--font-display); font-weight: 800; font-size: 1.3rem; color: var(--text); }

input[type="text"], input[type="email"], input[type="tel"], input[type="number"], select {
  width: 100%;
  background: var(--bg);
  border: 1px solid var(--line-2);
  border-radius: var(--radius-sm);
  padding: 13px 14px;
  font-size: 1rem;
  transition: border-color .15s, box-shadow .15s;
  -moz-appearance: textfield;
}
input::-webkit-outer-spin-button, input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
select {
  appearance: none; -webkit-appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23a3a6ad' stroke-width='2.5'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 12px center; background-size: 18px;
  padding-right: 40px;
}
input:focus, select:focus { outline: none; border-color: var(--accent); box-shadow: 0 0 0 3px rgba(255,106,19,.2); }
input::placeholder { color: var(--dim); }
.is-invalid, .is-invalid input { border-color: var(--danger) !important; }
.choice-grid.is-invalid, .seg.is-invalid { outline: 1px solid var(--danger); outline-offset: 4px; border-radius: var(--radius-sm); }

.input-prefix { position: relative; }
.input-prefix span {
  position: absolute; left: 14px; top: 50%; transform: translateY(-50%);
  color: var(--dim); font-weight: 600; pointer-events: none;
}
.input-prefix input { padding-left: 28px; }

input[type="range"] {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 6px; border-radius: 3px;
  background: linear-gradient(90deg, var(--accent) var(--fill, 50%), var(--line-2) var(--fill, 50%));
  cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px; height: 22px; border-radius: 50%;
  background: radial-gradient(circle at 35% 30%, #555, #111 45%, #000);
  border: 2px solid var(--accent);
  box-shadow: 0 2px 8px rgba(0,0,0,.6);
}
input[type="range"]::-moz-range-thumb {
  width: 20px; height: 20px; border-radius: 50%;
  background: #111; border: 2px solid var(--accent);
}
.range-labels { display: flex; justify-content: space-between; font-size: .8rem; color: var(--dim); }

.seg { display: flex; gap: 6px; flex-wrap: wrap; }
.seg label { flex: 1; min-width: 64px; position: relative; }
.seg input { position: absolute; inset: 0; opacity: 0; pointer-events: none; }
.seg span {
  display: block; text-align: center;
  padding: 11px 8px;
  border: 1px solid var(--line-2); border-radius: var(--radius-sm);
  background: var(--bg);
  font-weight: 700; font-size: .95rem; color: var(--muted);
  cursor: pointer;
  transition: all .15s;
}
.seg span:hover { border-color: var(--text); color: var(--text); }
.seg input:checked + span { background: var(--accent); border-color: var(--accent); color: var(--accent-ink); }
.seg input:focus-visible + span { outline: 2px solid var(--accent); outline-offset: 2px; }

.calc-result {
  display: flex; justify-content: space-between; align-items: center; gap: 20px; flex-wrap: wrap;
  padding: 22px 24px;
  background: var(--bg);
  border: 1px solid var(--line);
  border-left: 4px solid var(--accent);
  border-radius: var(--radius-sm);
}
.calc-result-label { display: block; color: var(--muted); font-size: .85rem; font-weight: 600; text-transform: uppercase; letter-spacing: .08em; }
.calc-result-value {
  display: block;
  font-family: var(--font-display); font-weight: 900; font-size: 3.4rem; line-height: 1;
  color: var(--text);
}
.calc-result-value::after { content: "/mo"; font-size: 1.2rem; color: var(--muted); margin-left: 4px; }
.calc-breakdown { margin: 0; display: grid; gap: 6px; font-size: .92rem; }
.calc-breakdown div { display: flex; gap: 16px; justify-content: space-between; }
.calc-breakdown dt { color: var(--muted); }
.calc-breakdown dd { margin: 0; font-weight: 700; }

.calc-gate {
  display: grid; gap: 16px;
  padding: 22px;
  background: var(--bg);
  border: 1px solid var(--line);
  border-top: 3px solid var(--accent);
  border-radius: var(--radius-sm);
  animation: fadeUp .3s ease;
}
.calc-gate[hidden] { display: none; }
.calc-gate-title {
  font-family: var(--font-display); font-weight: 800; text-transform: uppercase;
  font-size: 1.5rem; line-height: 1.05; margin: 0 0 4px;
}
.calc-gate-sub { color: var(--muted); font-size: .92rem; margin: 0; }
.calc-gate .form-error { margin: 0; }
.calc-result { animation: fadeUp .3s ease; }

/* ---------- Credit ---------- */
.credit-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.credit-card {
  padding: 28px 24px;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  position: relative;
}
.credit-card::before {
  content: ""; display: block; width: 36px; height: 4px; background: var(--accent); margin-bottom: 20px;
}
.credit-card h3 { font-size: 1.45rem; }
.credit-card p { color: var(--muted); margin: 0; font-size: .98rem; }

/* ---------- Apply ---------- */
.apply-section {
  background:
    radial-gradient(ellipse at 0% 50%, rgba(255,106,19,.12), transparent 55%),
    var(--bg);
}
.apply-wrap { display: grid; grid-template-columns: .85fr 1.15fr; gap: 64px; align-items: start; }
.apply-copy { position: sticky; top: 110px; }
.apply-points { list-style: none; padding: 0; margin: 28px 0 0; display: grid; gap: 14px; }
.apply-points li { padding-left: 22px; position: relative; color: var(--muted); }
.apply-points li::before {
  content: ""; position: absolute; left: 0; top: .55em;
  width: 10px; height: 10px; border-radius: 50%; background: var(--accent);
}
.apply-points strong { color: var(--text); }

.apply { padding: 32px; }
.progress { height: 6px; background: var(--line); border-radius: 3px; overflow: hidden; margin-bottom: 16px; }
.progress-bar { height: 100%; width: 25%; background: var(--accent); border-radius: 3px; transition: width .35s ease; }
.apply-step-label {
  font-family: var(--font-display); font-weight: 700; letter-spacing: .14em; text-transform: uppercase;
  color: var(--accent); font-size: .9rem; margin-bottom: 8px;
}

.apply-step { border: 0; padding: 0; margin: 0; display: none; gap: 20px; }
.apply-step.is-active { display: grid; animation: fadeUp .3s ease; }
@keyframes fadeUp { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }
.apply-step legend {
  font-family: var(--font-display); font-weight: 800; text-transform: uppercase;
  font-size: 2rem; line-height: 1.05; padding: 0; margin-bottom: 20px;
}

.employer-fields { display: grid; gap: 20px; }
.tenure-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.choice-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; }
.choice-grid-2 { grid-template-columns: repeat(2, 1fr); }
.choice { position: relative; }
.choice input { position: absolute; inset: 0; opacity: 0; pointer-events: none; }
.choice span {
  display: flex; flex-direction: column; align-items: center; justify-content: center; text-align: center;
  min-height: 60px; padding: 10px;
  background: var(--bg);
  border: 1px solid var(--line-2);
  border-radius: var(--radius-sm);
  font-family: var(--font-display); font-weight: 700; font-size: 1.1rem; letter-spacing: .04em; text-transform: uppercase;
  cursor: pointer;
  transition: all .15s;
}
.choice small { font-family: var(--font-body); font-size: .78rem; font-weight: 600; color: var(--dim); letter-spacing: 0; text-transform: none; }
.choice span:hover { border-color: var(--text); }
.choice input:checked + span { border-color: var(--accent); background: rgba(255,106,19,.12); color: var(--text); box-shadow: inset 0 0 0 1px var(--accent); }
.choice input:checked + span small { color: var(--accent-2); }
.choice input:focus-visible + span { outline: 2px solid var(--accent); outline-offset: 2px; }

.consent { display: flex; gap: 12px; align-items: flex-start; font-size: .85rem; color: var(--muted); line-height: 1.5; cursor: pointer; }
.consent input { width: 20px; height: 20px; margin-top: 2px; accent-color: var(--accent); flex-shrink: 0; }
.consent.is-invalid { color: var(--danger); }
.consent a { color: var(--text); }

.form-error { color: var(--danger); font-weight: 600; font-size: .92rem; margin: 18px 0 0; }

.apply-nav { display: flex; justify-content: space-between; gap: 12px; margin-top: 28px; }
.apply-nav .btn-primary { margin-left: auto; min-width: 180px; }

.apply-success { text-align: center; padding: 20px 0 10px; }
.apply-success img { margin: 0 auto 18px; }
.apply-success h3 { font-size: 2.3rem; }
.apply-success p { color: var(--muted); max-width: 420px; margin: 0 auto 24px; }
.apply.is-done .progress, .apply.is-done .apply-step-label, .apply.is-done .apply-nav { display: none; }

/* ---------- FAQ ---------- */
.faq-wrap { display: grid; grid-template-columns: .7fr 1.3fr; gap: 64px; align-items: start; }
.faq-list { display: grid; gap: 12px; }
.faq-list details {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  transition: border-color .15s;
}
.faq-list details[open] { border-color: var(--line-2); }
.faq-list summary {
  list-style: none;
  display: flex; justify-content: space-between; align-items: center; gap: 16px;
  padding: 20px 22px;
  font-weight: 700; font-size: 1.05rem;
  cursor: pointer;
}
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after {
  content: "+"; flex-shrink: 0;
  width: 28px; height: 28px; border-radius: 50%;
  display: grid; place-items: center;
  border: 1px solid var(--line-2);
  font-size: 1.2rem; font-weight: 600; color: var(--accent);
  transition: transform .2s;
}
.faq-list details[open] summary::after { transform: rotate(45deg); }
.faq-list details p { padding: 0 22px 20px; margin: 0; color: var(--muted); }

/* ---------- CTA band ---------- */
.cta-band {
  position: relative;
  padding: 100px 0;
  background:
    linear-gradient(135deg, rgba(255,106,19,.18), transparent 60%),
    repeating-linear-gradient(135deg, rgba(255,255,255,.025) 0 14px, transparent 14px 28px),
    var(--bg);
  border-top: 1px solid var(--line);
}
.cta-inner { display: flex; justify-content: space-between; align-items: center; gap: 40px; flex-wrap: wrap; }
.cta-inner h2 { margin: 0; }
.cta-actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* ---------- Footer ---------- */
.site-footer { background: #070708; border-top: 1px solid var(--line); padding: 72px 0 28px; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 40px; }
.footer-brand p { color: var(--muted); margin-top: 18px; max-width: 300px; }
.site-footer h4 { font-size: 1.1rem; letter-spacing: .12em; color: var(--accent); margin-bottom: 16px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; color: var(--muted); font-size: .95rem; }
.site-footer ul a { text-decoration: none; }
.site-footer ul a:hover { color: var(--text); }
.footer-legal { margin-top: 56px; padding-top: 24px; border-top: 1px solid var(--line); font-size: .8rem; color: var(--dim); }

/* ---------- Responsive ---------- */
@media (max-width: 1440px) {
  .main-nav { gap: 20px; }
}

@media (max-width: 1080px) {
  .credit-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 1200px) {
  .nav-toggle { display: flex; }
  .main-nav {
    position: fixed; top: 72px; left: 0; right: 0;
    flex-direction: column; gap: 0;
    background: var(--bg);
    border-bottom: 1px solid var(--line);
    padding: 8px 24px 20px;
    transform: translateY(-120%);
    visibility: hidden;
    transition: transform .25s ease, visibility .25s;
  }
  .main-nav.is-open { transform: none; visibility: visible; }
  .main-nav a { padding: 14px 0; border-bottom: 1px solid var(--line); font-size: 1.2rem; }
  .header-actions { margin-left: auto; }
}

@media (max-width: 960px) {
  .hero { padding: 56px 0 80px; }
  .hero-inner, .calc-wrap, .apply-wrap, .faq-wrap { grid-template-columns: minmax(0, 1fr); gap: 40px; }
  .apply-copy { position: static; }
  .finance-grid { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: 1fr; gap: 36px; }
  .steps::before { top: 40px; bottom: 40px; left: 50%; right: auto; border-top: 0; border-left: 2px dashed var(--line-2); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .section { padding: 80px 0; }
}

@media (max-width: 640px) {
  body { font-size: 16px; }
  .container { padding: 0 16px; }
  .header-actions { gap: 10px; }
  .label-long { display: none; }
  .label-short { display: inline; }
  .brand-name { font-size: 1.45rem; }
  .trust-inner { grid-template-columns: repeat(2, 1fr); }
  .trust-item:nth-child(3) { border-left: 0; }
  .trust-item:nth-child(n+3) { border-top: 1px solid var(--line); }
  .finance-grid, .credit-grid { grid-template-columns: 1fr; }
  .field-row { grid-template-columns: 1fr; }
  .choice-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .quickstart, .calc, .apply { padding: 22px; }
  .calc-result-value { font-size: 2.8rem; }
  .hero-ball { width: 420px; height: 420px; right: -160px; bottom: -160px; }
  .apply-nav .btn-primary { min-width: 0; flex: 1; }
  .cta-actions .btn { flex: 1; }
  .footer-grid { grid-template-columns: 1fr; }
}

/* Phones: compact intro, Apply button moves from the header into the hero */
@media (max-width: 640px) {
  html { scroll-padding-top: 100px; }
  /* Logo 50% larger; header grows to fit it */
  .header-inner { height: 88px; }
  .main-nav { top: 88px; }
  .brand img { width: 66px; height: 66px; }
  .brand-name { font-size: 2.175rem; }
  .brand-sub { font-size: 1.08rem; }
  .hero-inner { gap: 80px; } /* space below the Apply button */
  .header-actions .btn-sm { display: none; }
  .hero { padding: 96.3px 0 88px; }
  /* Order on phones: headline, tagline, checkmarks */
  .hero-copy { display: flex; flex-direction: column; }
  .hero h1 { order: 1; }
  .hero-copy .eyebrow { order: 2; }
  .hero-details { order: 3; }
  /* One line on every phone: size scales with screen width, capped at desktop size */
  .hero-copy .eyebrow {
    display: flex; /* block-level, so no inline line-box spacing above it */
    margin: 0 0 32px;
    max-width: 100%;
    overflow: hidden; /* never push the page sideways, even if the web font fails to load */
    white-space: nowrap;
    letter-spacing: .1em;
    font-size: min(.95rem, calc((100vw - 40px) / 23.2));
    line-height: 24px;
  }
  .hero h1 { margin-bottom: 32px; }
  .hero-details .lead { display: none; }
  .hero-details .hero-checks { margin: 0; gap: 16px; }
  .hero-mobile-cta { display: flex; width: 80%; margin-top: 60px; }

  .section, .cta-band { padding: 104px 0; }
  .section-head { margin-bottom: 44px; }
}

@media (max-width: 400px) {
  .header-inner { gap: 12px; }
  .brand { gap: 8px; }
  .brand img { width: 54px; height: 54px; }
  .brand-name { font-size: 1.875rem; }
  .brand-sub { font-size: .9rem; letter-spacing: .24em; }
  .header-actions .btn-sm { padding: 8px 12px; }
  .choice span { font-size: 1rem; letter-spacing: .02em; }
  .cta-actions { flex-direction: column; width: 100%; }
  .cta-actions .btn { white-space: normal; padding-left: 16px; padding-right: 16px; }
}