/* ===== BORROW PAGE HERO ===== */
.borrow-hero {
  background: var(--dark);
  color: #fff;
  padding: 5rem 0 4rem;
  position: relative;
  overflow: hidden;
}
.borrow-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    linear-gradient(130deg, rgba(17,17,17,0.94) 0%, rgba(42,61,143,0.80) 100%),
    radial-gradient(ellipse at 75% 50%, #0d1a4a 0%, transparent 55%);
}
.borrow-hero .wrap { position: relative; z-index: 1; }
.borrow-hero .breadcrumb {
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.55);
  margin-bottom: 1.2rem;
}
.borrow-hero .breadcrumb a { color: rgba(255,255,255,0.55); }
.borrow-hero .breadcrumb a:hover { color: #fff; }
.borrow-hero .breadcrumb span { color: rgba(255,255,255,0.35); margin: 0 0.5rem; }
.borrow-hero h1 {
  font-size: clamp(2.2rem, 5vw, 3.8rem);
  font-weight: 800;
  max-width: 760px;
  margin: 0 0 1.2rem;
}
.borrow-hero .hero-lede {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.78);
  max-width: 580px;
  margin: 0 0 2rem;
}
.borrow-hero .hero-cta-row { display: flex; gap: 1rem; flex-wrap: wrap; }

/* Trust badges row */
.hero-trust {
  display: flex;
  gap: 2rem;
  flex-wrap: wrap;
  margin-top: 2.5rem;
  padding-top: 2rem;
  border-top: 1px solid rgba(255,255,255,0.12);
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 0.55rem;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.65);
  font-weight: 600;
}
.trust-item svg { color: var(--red); }

/* ===== SHARED UTILITIES ===== */
.section-header { margin-bottom: 3rem; }
.section-header .kicker { color: var(--red); }
.section-header h2 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); margin: 0.4rem 0 0.6rem; }
.section-header p  { color: var(--muted); max-width: 560px; margin: 0; }

/* ===== LOAN PRODUCTS ===== */
.products-section {
  padding: 5rem 0;
  background: var(--white);
}
.products-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}
.product-card {
  border-radius: 16px;
  border: 1.5px solid var(--border);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: box-shadow 0.25s, transform 0.25s;
  background: var(--white);
}
.product-card:hover {
  box-shadow: 0 12px 36px rgba(0,0,0,.1);
  transform: translateY(-4px);
}
.product-card-top {
  padding: 1.75rem 1.75rem 1.25rem;
  display: flex;
  flex-direction: column;
  gap: 0.9rem;
  flex: 1;
}
.product-icon {
  width: 54px;
  height: 54px;
  background: rgba(42,61,143,.1);
  border-radius: 14px;
  display: grid;
  place-items: center;
  color: var(--red);
}
.product-tag {
  display: inline-block;
  background: rgba(42,61,143,.08);
  color: var(--red);
  font-size: 0.7rem;
  font-weight: 800;
  padding: 0.2rem 0.6rem;
  border-radius: 999px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  align-self: flex-start;
}
.product-card h3 { margin: 0; font-size: 1.1rem; }
.product-card .product-desc { margin: 0; font-size: 0.87rem; color: var(--muted); line-height: 1.65; }
.product-highlights {
  list-style: none;
  padding: 0;
  margin: 0.5rem 0 0;
  display: flex;
  flex-direction: column;
  gap: 0.45rem;
}
.product-highlights li {
  font-size: 0.82rem;
  color: var(--charcoal);
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
}
.product-highlights li::before {
  content: '';
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--red);
  flex-shrink: 0;
  margin-top: 5px;
}
.product-card-footer {
  padding: 1.25rem 1.75rem;
  border-top: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.75rem;
  background: var(--light);
}
.rate-label { font-size: 0.75rem; color: var(--muted); font-weight: 600; text-transform: uppercase; letter-spacing: 0.06em; }
.rate-val   { font-size: 1rem; font-weight: 800; color: var(--charcoal); }
.product-card-footer .btn-sm-link {
  color: var(--red);
  font-weight: 700;
  font-size: 0.85rem;
  display: flex;
  align-items: center;
  gap: 0.3rem;
  white-space: nowrap;
}
.product-card-footer .btn-sm-link:hover { text-decoration: underline; }

/* ===== ELIGIBILITY ===== */
.eligibility-section {
  background: var(--light);
  padding: 5rem 0;
}
.elig-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3.5rem;
  align-items: start;
}
.elig-text h2 { font-size: clamp(1.5rem, 3vw, 2.2rem); margin: 0 0 1rem; }
.elig-text p  { color: var(--muted); line-height: 1.75; margin-bottom: 1rem; }
.elig-checklist {
  list-style: none;
  padding: 0;
  margin: 1.5rem 0 0;
  display: flex;
  flex-direction: column;
  gap: 0.7rem;
}
.elig-checklist li {
  display: flex;
  align-items: flex-start;
  gap: 0.7rem;
  font-size: 0.9rem;
  color: var(--charcoal);
  font-weight: 600;
}
.check-icon {
  width: 22px;
  height: 22px;
  background: rgba(42,61,143,.1);
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: var(--red);
  flex-shrink: 0;
}

.docs-card {
  background: var(--white);
  border-radius: 16px;
  border: 1px solid var(--border);
  padding: 2rem;
}
.docs-card h3 { margin: 0 0 1.25rem; font-size: 1.1rem; }
.docs-tabs {
  display: flex;
  gap: 0.5rem;
  margin-bottom: 1.25rem;
  flex-wrap: wrap;
}
.doc-tab {
  padding: 0.4rem 0.9rem;
  border-radius: 999px;
  border: 1.5px solid var(--border);
  background: transparent;
  font: inherit;
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--muted);
  cursor: pointer;
  transition: border-color 0.2s, color 0.2s, background 0.2s;
}
.doc-tab.active,
.doc-tab:hover {
  border-color: var(--red);
  color: var(--red);
  background: rgba(42,61,143,.06);
}
.docs-list {
  display: none;
  flex-direction: column;
  gap: 0.6rem;
}
.docs-list.visible { display: flex; }
.doc-item {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-size: 0.85rem;
  color: var(--charcoal);
  padding: 0.55rem 0.75rem;
  border-radius: 8px;
  background: var(--light);
}
.doc-item svg { color: var(--red); flex-shrink: 0; }

/* ===== HOW TO APPLY ===== */
.apply-steps-section { padding: 5rem 0; }
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  position: relative;
}
.steps-grid::before {
  content: '';
  position: absolute;
  top: 27px;
  left: calc(12.5% + 1rem);
  right: calc(12.5% + 1rem);
  height: 2px;
  background: var(--border);
  z-index: 0;
}
.apply-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 1rem;
  position: relative;
  z-index: 1;
}
.step-num {
  width: 54px;
  height: 54px;
  background: var(--red);
  color: #fff;
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-size: 1.15rem;
  font-weight: 800;
  flex-shrink: 0;
  border: 4px solid var(--white);
  box-shadow: 0 0 0 2px var(--red);
}
.apply-step h4 { margin: 0; font-size: 0.97rem; }
.apply-step p  { margin: 0; font-size: 0.85rem; color: var(--muted); line-height: 1.55; }

/* ===== CALCULATOR ===== */
.calc-section {
  background: var(--dark);
  color: #fff;
  padding: 5rem 0;
}
.calc-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.calc-copy .section-header .kicker { color: rgba(255,255,255,0.5); }
.calc-copy .section-header h2 { color: #fff; }
.calc-copy .section-header p  { color: rgba(255,255,255,0.65); }
.calc-copy ul {
  list-style: none;
  padding: 0;
  margin: 1.5rem 0 0;
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}
.calc-copy ul li {
  display: flex;
  align-items: center;
  gap: 0.55rem;
  font-size: 0.88rem;
  color: rgba(255,255,255,0.75);
  font-weight: 600;
}
.calc-copy ul li svg { color: var(--red); }

.calc-widget {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 16px;
  padding: 2rem 2.25rem;
  backdrop-filter: blur(6px);
}
.calc-widget h3 { margin: 0 0 1.5rem; color: #fff; font-size: 1.1rem; }
.calc-field { margin-bottom: 1.1rem; }
.calc-field label {
  display: block;
  font-size: 0.82rem;
  font-weight: 700;
  color: rgba(255,255,255,0.65);
  margin-bottom: 0.4rem;
  text-transform: uppercase;
  letter-spacing: 0.07em;
}
.calc-field input,
.calc-field select {
  width: 100%;
  padding: 0.72rem 1rem;
  border-radius: 8px;
  border: 1.5px solid rgba(255,255,255,0.18);
  background: rgba(255,255,255,0.1);
  color: #fff;
  font: inherit;
  font-size: 0.92rem;
  transition: border-color 0.2s;
}
.calc-field input:focus,
.calc-field select:focus { outline: none; border-color: var(--red); }
.calc-field select option { color: var(--charcoal); background: #fff; }
.calc-field input::placeholder { color: rgba(255,255,255,0.35); }
.calc-result {
  background: rgba(42,61,143,.18);
  border: 1px solid rgba(42,61,143,.35);
  border-radius: 12px;
  padding: 1.25rem 1.5rem;
  margin: 1.25rem 0 1rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
}
.cr-item { text-align: center; }
.cr-label { font-size: 0.72rem; font-weight: 700; color: rgba(255,255,255,0.55); text-transform: uppercase; letter-spacing: 0.07em; margin-bottom: 0.3rem; }
.cr-val   { font-size: 1.4rem; font-weight: 800; color: #fff; }
.cr-divider { width: 1px; height: 40px; background: rgba(255,255,255,0.12); }
.calc-disclaimer { font-size: 0.75rem; color: rgba(255,255,255,0.4); margin: 0.5rem 0 0; line-height: 1.5; }

/* ===== FAQ ===== */
.faq-section {
  padding: 5rem 0;
  background: var(--light);
}
.faq-layout {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 4rem;
  align-items: start;
}
.faq-list {
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}
.faq-item {
  background: var(--white);
  border-radius: 12px;
  border: 1px solid var(--border);
  overflow: hidden;
}
.faq-q {
  width: 100%;
  background: none;
  border: none;
  padding: 1.1rem 1.25rem;
  font: inherit;
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--charcoal);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  text-align: left;
  transition: color 0.2s;
}
.faq-q:hover { color: var(--red); }
.faq-q svg { flex-shrink: 0; transition: transform 0.25s; color: var(--muted); }
.faq-item.open .faq-q svg { transform: rotate(180deg); color: var(--red); }
.faq-item.open .faq-q { color: var(--red); }
.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
  font-size: 0.87rem;
  color: var(--muted);
  line-height: 1.7;
}
.faq-a-inner { padding: 0 1.25rem 1.1rem; }

/* ===== CTA BANNER ===== */
.borrow-cta-section {
  padding: 5rem 0;
  background: var(--red);
  color: #fff;
  text-align: center;
}
.borrow-cta-section h2 { font-size: clamp(1.6rem, 3.5vw, 2.6rem); margin: 0 0 1rem; }
.borrow-cta-section p  { color: rgba(255,255,255,0.82); font-size: 1.05rem; margin: 0 auto 2rem; max-width: 540px; }
.borrow-cta-section .cta-row { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }
.btn-white {
  background: #fff;
  color: var(--red);
  border: 2px solid #fff;
  padding: 0.78rem 2rem;
  border-radius: 999px;
  font-weight: 800;
  font-size: 0.95rem;
  cursor: pointer;
  transition: background 0.2s, color 0.2s;
  text-decoration: none;
  display: inline-block;
}
.btn-white:hover { background: rgba(255,255,255,0.88); }
.btn-outline-white {
  background: transparent;
  color: #fff;
  border: 2px solid rgba(255,255,255,0.6);
  padding: 0.78rem 2rem;
  border-radius: 999px;
  font-weight: 800;
  font-size: 0.95rem;
  cursor: pointer;
  transition: border-color 0.2s, background 0.2s;
  text-decoration: none;
  display: inline-block;
}
.btn-outline-white:hover { border-color: #fff; background: rgba(255,255,255,0.1); }

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-grid::before { display: none; }
}
@media (max-width: 900px) {
  .products-grid    { grid-template-columns: repeat(2, 1fr); }
  .elig-layout      { grid-template-columns: 1fr; gap: 2rem; }
  .calc-inner       { grid-template-columns: 1fr; gap: 2.5rem; }
  .faq-layout       { grid-template-columns: 1fr; gap: 2rem; }
}
@media (max-width: 640px) {
  .products-grid    { grid-template-columns: 1fr; }
  .steps-grid       { grid-template-columns: 1fr; }
  .hero-trust       { gap: 1rem; }
}