/* Lowest Rate Loans — main stylesheet */
:root{
  --navy:#0d2b4e;
  --navy-dark:#081b33;
  --blue:#1f6feb;
  --blue-light:#e8f1fd;
  --gold:#c8952c;
  --gold-light:#f7ecd8;
  --green:#1b7a4d;
  --text:#222831;
  --text-light:#5b6472;
  --border:#e2e6ea;
  --bg:#ffffff;
  --bg-alt:#f6f8fb;
  --radius:10px;
  --max:1180px;
  --shadow:0 2px 10px rgba(13,43,78,.08);
  --shadow-lg:0 8px 28px rgba(13,43,78,.14);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  color:var(--text);
  background:var(--bg);
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
.container{max-width:var(--max);margin:0 auto;padding:0 20px}
h1,h2,h3,h4{font-family:"Segoe UI",Roboto,Arial,sans-serif;color:var(--navy);line-height:1.25;margin:1.4em 0 .6em}
h1{font-size:2.1rem;margin-top:0}
h2{font-size:1.5rem;border-bottom:2px solid var(--border);padding-bottom:.3em}
h3{font-size:1.2rem}
p{margin:0 0 1em}
ul,ol{margin:0 0 1em;padding-left:1.4em}
li{margin-bottom:.4em}
table{border-collapse:collapse;width:100%;margin:1em 0 1.5em;font-size:.95rem}
th,td{border:1px solid var(--border);padding:.6em .7em;text-align:left}
th{background:var(--bg-alt);color:var(--navy)}

/* Skip link */
.skip-link{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:.6em 1em;z-index:200}
.skip-link:focus{left:10px;top:10px}

/* Header */
.site-header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:100;box-shadow:var(--shadow)}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding:12px 20px;max-width:var(--max);margin:0 auto}
.brand{display:flex;align-items:center;gap:10px;color:#fff}
.brand:hover{text-decoration:none}
.brand img{height:40px;width:auto}
.brand-text{font-weight:700;font-size:1.15rem;letter-spacing:.2px}
.brand-text small{display:block;font-weight:400;font-size:.62rem;color:#b9c9e0;letter-spacing:.5px;text-transform:uppercase}

.main-nav{display:flex;align-items:center;gap:2px}
.main-nav > ul{display:flex;list-style:none;margin:0;padding:0;gap:2px}
.main-nav > ul > li{position:relative}
.main-nav a{color:#e7edf6;padding:10px 12px;display:block;font-size:.92rem;font-weight:500;border-radius:6px}
.main-nav a:hover,.main-nav a:focus{background:rgba(255,255,255,.1);text-decoration:none}
.dropdown-panel{
  display:none;position:absolute;left:0;top:100%;background:#fff;color:var(--text);
  min-width:280px;border-radius:var(--radius);box-shadow:var(--shadow-lg);padding:14px;
  border:1px solid var(--border);
}
.main-nav li:hover > .dropdown-panel,
.main-nav li:focus-within > .dropdown-panel{display:block}
.dropdown-panel a{color:var(--navy);padding:6px 8px;border-radius:6px;font-size:.88rem}
.dropdown-panel a:hover{background:var(--blue-light);text-decoration:none}
.dropdown-panel .dd-heading{font-size:.72rem;text-transform:uppercase;letter-spacing:.6px;color:var(--text-light);padding:6px 8px 2px}

.nav-toggle{display:none;background:none;border:1px solid rgba(255,255,255,.35);color:#fff;padding:8px 10px;border-radius:6px;font-size:1rem}

/* Hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-dark) 100%);color:#fff;padding:56px 0}
.hero .container{display:grid;grid-template-columns:1.1fr .9fr;gap:36px;align-items:center}
.hero h1{color:#fff;font-size:2.4rem}
.hero p.lead{color:#cfdcef;font-size:1.1rem;max-width:46ch}
.hero-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.15);border-radius:var(--radius);padding:22px}
.hero-card h2{color:#fff;border:none;font-size:1.1rem;margin-top:0}
.hero-card ul{list-style:none;padding:0;margin:0}
.hero-card li a{color:#fff;display:flex;justify-content:space-between;padding:9px 0;border-bottom:1px solid rgba(255,255,255,.12);font-weight:500}
.hero-card li:last-child a{border-bottom:none}
.hero-card li a:hover{color:var(--gold-light)}

.btn{display:inline-block;background:var(--gold);color:#1a1305;font-weight:700;padding:12px 22px;border-radius:8px;border:none;cursor:pointer;font-size:1rem}
.btn:hover{background:#dba53d;text-decoration:none}
.btn-outline{background:transparent;border:2px solid #fff;color:#fff}
.btn-outline:hover{background:#fff;color:var(--navy)}
.btn-block{display:block;width:100%;text-align:center}

/* Section grid on homepage */
.section-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin:34px 0}
.section-card{border:1px solid var(--border);border-radius:var(--radius);padding:22px;background:var(--bg);transition:box-shadow .15s,transform .15s}
.section-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-2px);text-decoration:none}
.section-card .icon{width:46px;height:46px;border-radius:10px;background:var(--blue-light);display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.section-card h3{margin-top:0;color:var(--navy)}
.section-card p{color:var(--text-light);font-size:.92rem;margin-bottom:0}

.trust-bar{background:var(--bg-alt);padding:26px 0;border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.trust-bar .container{display:flex;flex-wrap:wrap;gap:28px;justify-content:space-between;align-items:center}
.trust-item{display:flex;align-items:center;gap:10px;color:var(--navy-dark);font-weight:600;font-size:.92rem}

.page-header{background:var(--bg-alt);border-bottom:1px solid var(--border);padding:34px 0}
.page-header h1{margin:0 0 6px}
.page-header p{color:var(--text-light);margin:0;max-width:70ch}
.breadcrumbs{font-size:.82rem;color:var(--text-light);margin-bottom:10px}
.breadcrumbs a{color:var(--text-light)}
.breadcrumbs a:hover{color:var(--blue)}

/* Layout: content + sidebar */
.layout{display:grid;grid-template-columns:2.2fr 1fr;gap:40px;padding:38px 0 60px}
.sidebar .widget{border:1px solid var(--border);border-radius:var(--radius);padding:18px;margin-bottom:20px;background:var(--bg-alt)}
.sidebar .widget h4{margin-top:0;font-size:.95rem;color:var(--navy);text-transform:uppercase;letter-spacing:.4px}
.sidebar .widget ul{list-style:none;padding:0;margin:0}
.sidebar .widget li{margin-bottom:8px;font-size:.9rem}
.disclaimer-box{background:#fff8e8;border:1px solid #e8d29a;border-radius:var(--radius);padding:16px;font-size:.85rem;color:#5a4a12;margin-bottom:20px}
.disclaimer-box strong{color:#5a4a12}

.article-body{max-width:76ch}
.article-meta{color:var(--text-light);font-size:.85rem;margin-bottom:18px;display:flex;gap:14px;flex-wrap:wrap}
.article-body h2{margin-top:1.8em}
.tag-pill{display:inline-block;background:var(--blue-light);color:var(--navy);font-size:.75rem;padding:4px 10px;border-radius:999px;font-weight:600}

.callout{background:var(--blue-light);border-left:4px solid var(--blue);border-radius:6px;padding:14px 18px;margin:1.4em 0}
.callout-gold{background:var(--gold-light);border-left-color:var(--gold)}

.legal-disclaimer{background:var(--bg-alt);border:1px dashed var(--border);border-radius:var(--radius);padding:18px 20px;font-size:.85rem;color:var(--text-light);margin-top:2.5em}
.legal-disclaimer strong{color:var(--navy)}

.article-list{list-style:none;margin:0;padding:0}
.article-list li{border-bottom:1px solid var(--border);padding:16px 0}
.article-list li:first-child{padding-top:0}
.article-list a{font-weight:700;font-size:1.05rem;color:var(--navy)}
.article-list p{color:var(--text-light);margin:.35em 0 0;font-size:.92rem}

.subsection-block{margin-bottom:38px}
.subsection-block h2{margin-bottom:.2em}

.calc-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin:24px 0}
.calc-card{border:1px solid var(--border);border-radius:var(--radius);padding:18px;background:var(--bg)}
.calc-card h3{margin-top:0}

.calculator-box{background:var(--bg-alt);border:1px solid var(--border);border-radius:var(--radius);padding:24px;margin:20px 0 36px}
.calc-form{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.field{display:flex;flex-direction:column;gap:6px}
.field label{font-weight:600;font-size:.9rem;color:var(--navy)}
.field input,.field select{padding:10px 12px;border:1px solid var(--border);border-radius:6px;font-size:1rem;font-family:inherit}
.field input:focus,.field select:focus{outline:2px solid var(--blue);outline-offset:1px}
.calc-actions{grid-column:1/-1;display:flex;gap:12px;align-items:center;margin-top:6px}
.calc-results{margin-top:22px;padding-top:18px;border-top:1px solid var(--border);display:none}
.calc-results.is-visible{display:block}
.result-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:14px;margin-bottom:10px}
.result-stat{background:#fff;border:1px solid var(--border);border-radius:8px;padding:14px}
.result-stat .label{font-size:.78rem;color:var(--text-light);text-transform:uppercase;letter-spacing:.4px}
.result-stat .value{font-size:1.3rem;font-weight:700;color:var(--navy)}
.calc-table-wrap{max-height:420px;overflow-y:auto;border:1px solid var(--border);border-radius:8px}
.calc-table-wrap table{margin:0}
.calc-table-wrap thead th{position:sticky;top:0}

/* Contact form */
.contact-form{max-width:620px}
.contact-form .field{margin-bottom:16px}
textarea{padding:10px 12px;border:1px solid var(--border);border-radius:6px;font-family:inherit;font-size:1rem;resize:vertical}
.hp-field{position:absolute;left:-9999px;top:-9999px;opacity:0}
.form-note{font-size:.82rem;color:var(--text-light)}
.form-status{margin-top:14px;padding:12px 14px;border-radius:8px;display:none}
.form-status.success{display:block;background:#e7f6ee;color:var(--green);border:1px solid #b9e3ca}
.form-status.error{display:block;background:#fdeceb;color:#b3261e;border:1px solid #f3c2be}

/* Glossary */
.glossary-term{border-bottom:1px solid var(--border);padding:14px 0}
.glossary-term dt{font-weight:700;color:var(--navy);font-size:1.02rem}
.glossary-term dd{margin:.3em 0 0;color:var(--text-light)}

/* Footer */
.site-footer{background:var(--navy-dark);color:#c7d3e3;padding:46px 0 24px;margin-top:40px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:30px}
.footer-grid h4{color:#fff;font-size:.85rem;text-transform:uppercase;letter-spacing:.5px;margin:0 0 14px}
.footer-grid ul{list-style:none;margin:0;padding:0}
.footer-grid li{margin-bottom:8px}
.footer-grid a{color:#aebedb;font-size:.88rem}
.footer-grid a:hover{color:#fff}
.footer-brand p{color:#93a3c0;font-size:.86rem;max-width:34ch}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:32px;padding-top:20px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;font-size:.8rem;color:#8496b8}

.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

@media (max-width:900px){
  .hero .container{grid-template-columns:1fr}
  .section-grid{grid-template-columns:repeat(2,1fr)}
  .layout{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .calc-form{grid-template-columns:1fr}
}
@media (max-width:700px){
  .main-nav{position:fixed;inset:60px 0 0 0;background:var(--navy);flex-direction:column;padding:16px;overflow-y:auto;transform:translateX(100%);transition:transform .2s;z-index:99}
  .main-nav.is-open{transform:translateX(0)}
  .main-nav > ul{flex-direction:column;width:100%}
  .dropdown-panel{position:static;box-shadow:none;border:none;background:rgba(255,255,255,.04);display:none}
  .dropdown-panel a{color:#e7edf6}
  .dropdown-panel a:hover{background:rgba(255,255,255,.08)}
  .main-nav li.is-open .dropdown-panel{display:block}
  .nav-toggle{display:block}
  .section-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .hero h1{font-size:1.8rem}
}