/* =====================================================
   Refinansavimas.com — Design System "Dark Premium Glass" (V3)
   ===================================================== */
:root {
  --navy: #0B1220;
  --navy-2: #101a2e;
  --navy-3: #16233c;
  --gold: #F5B942;
  --gold-bright: #ffce67;
  --gold-deep: #d99e22;
  --ink: #101a2e;
  --body: #3d4a61;
  --muted: #6b7891;
  --line: #e5e9f1;
  --bg-soft: #f5f7fb;
  --white: #ffffff;
  --glass-bg: rgba(255, 255, 255, .07);
  --glass-border: rgba(255, 255, 255, .15);
  --radius: 24px;
  --font-head: 'Space Grotesk', 'Inter', sans-serif;
  --font-body: 'Inter', sans-serif;
  --shadow-card: 0 10px 30px rgba(11, 18, 32, .08);
  --shadow-gold: 0 8px 24px rgba(245, 185, 66, .35);
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  color: var(--body);
  background: var(--white);
  line-height: 1.6;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 { font-family: var(--font-head); color: var(--ink); line-height: 1.2; letter-spacing: -.01em; }

/* chữ dài (lietuvių k.) luôn wrap, không bị cắt. Chỉ overflow-wrap (an toàn) — KHÔNG word-break (phá cả từ ngắn) */
h1, h2, h3, h4, p, li, label, summary { overflow-wrap: break-word; }

a { text-decoration: none; color: inherit; }
img { max-width: 100%; }

.container { width: 100%; max-width: 1140px; margin: 0 auto; padding: 0 20px; }
.container-narrow { max-width: 780px; }
.hidden { display: none !important; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 6px;
  font-family: var(--font-head); font-weight: 700; font-size: 16px;
  padding: 14px 26px; border-radius: 14px; border: none; cursor: pointer;
  transition: all .22s ease; white-space: nowrap;
}
.btn-primary {
  background: linear-gradient(135deg, var(--gold-bright), var(--gold));
  color: var(--navy); box-shadow: var(--shadow-gold);
}
.btn-primary:hover { filter: brightness(1.08); transform: translateY(-2px); box-shadow: 0 12px 30px rgba(245, 185, 66, .45); }
.btn-lg { padding: 17px 34px; font-size: 17px; }
.btn-block { width: 100%; }
.btn-white { background: var(--white); color: var(--navy); box-shadow: 0 8px 24px rgba(0,0,0,.25); }
.btn-white:hover { background: #fdf4e0; transform: translateY(-2px); }
.btn-outline-gold {
  background: transparent; color: var(--gold-deep);
  border: 2px solid var(--gold); box-shadow: none;
  padding: 13px 22px; border-radius: 14px;
  font-family: var(--font-head); font-weight: 700; font-size: 15.5px;
  display: inline-flex; align-items: center; justify-content: center; gap: 6px;
  transition: all .22s ease; cursor: pointer;
}
.btn-outline-gold:hover {
  background: linear-gradient(135deg, var(--gold-bright), var(--gold));
  color: var(--navy); box-shadow: var(--shadow-gold); transform: translateY(-2px);
}

/* =====================================================
   HEADER
   ===================================================== */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(11, 18, 32, .82);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 20px; height: 70px; }
.logo {
  display: inline-flex; align-items: center; gap: 9px;
  font-family: var(--font-head); font-weight: 700; font-size: 21px; color: var(--white); letter-spacing: -.02em;
}
.logo .logo-mark { width: 30px; height: 30px; flex-shrink: 0; display: block; }
.logo .logo-text span { color: var(--gold); }
/* footer logo (nền navy) giữ nguyên kích thước */
.logo-footer .logo-mark { width: 28px; height: 28px; }
.main-nav { display: none; }
.main-nav a {
  color: rgba(255,255,255,.72); font-weight: 500; font-size: 15px; padding: 8px 0;
  transition: color .2s; white-space: nowrap;
}
.main-nav a:hover, .main-nav a.active,
.main-nav a[aria-current="page"] { color: var(--gold); }
.main-nav a[aria-current="page"] { font-weight: 600; }
.btn-header { display: none; padding: 11px 20px; font-size: 14px; }
.nav-toggle {
  background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.15);
  color: var(--white); font-size: 20px; width: 44px; height: 44px; border-radius: 12px; cursor: pointer;
}

@media (min-width: 1160px) {
  .main-nav { display: flex; gap: 22px; }
  .btn-header { display: inline-flex; }
  .nav-toggle { display: none; }
}
@media (max-width: 1159px) {
  .main-nav.open {
    display: flex; flex-direction: column; gap: 4px;
    position: absolute; top: 70px; left: 0; right: 0;
    background: var(--navy-2); border-bottom: 1px solid rgba(255,255,255,.1);
    padding: 16px 20px 22px;
  }
  .main-nav.open a { padding: 12px 8px; border-radius: 10px; }
  .main-nav.open a:hover { background: rgba(255,255,255,.06); }
}

/* =====================================================
   HERO (home)
   ===================================================== */
.hero {
  position: relative; overflow: hidden;
  background: var(--navy); color: var(--white);
  padding: 56px 0 72px;
}
.hero::before, .hero::after {
  content: ''; position: absolute; border-radius: 50%; filter: blur(90px); pointer-events: none;
}
.hero::before {
  width: 560px; height: 560px; top: -220px; right: -120px;
  background: radial-gradient(circle, rgba(245, 185, 66, .22), transparent 65%);
}
.hero::after {
  width: 640px; height: 640px; bottom: -280px; left: -180px;
  background: radial-gradient(circle, rgba(59, 108, 224, .28), transparent 65%);
}
.hero-grid { position: relative; z-index: 2; display: grid; grid-template-columns: 1fr; gap: 48px; align-items: center; }
@media (min-width: 980px) {
  .hero { padding: 84px 0 100px; }
  .hero-grid { grid-template-columns: 1.05fr .95fr; gap: 64px; }
}

.hero-badge {
  display: inline-block; font-size: 13px; font-weight: 600; letter-spacing: .04em;
  color: var(--gold); background: rgba(245, 185, 66, .1);
  border: 1px solid rgba(245, 185, 66, .35);
  padding: 8px 16px; border-radius: 100px; margin-bottom: 22px;
}
.hero h1 {
  color: var(--white); font-size: clamp(32px, 5vw, 50px); font-weight: 700; margin-bottom: 18px;
}
.hero h1 em {
  font-style: normal; color: var(--gold);
  background: linear-gradient(120deg, var(--gold-bright), var(--gold-deep));
  -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent;
}
.hero-sub { color: rgba(255,255,255,.7); font-size: 17px; max-width: 540px; margin-bottom: 30px; }

.hero-stats {
  list-style: none; display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; margin-bottom: 34px; max-width: 480px;
}
.hero-stats li {
  background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.1);
  border-radius: 16px; padding: 14px 16px; display: flex; flex-direction: column;
}
.hero-stats strong { font-family: var(--font-head); font-size: 20px; color: var(--gold); font-weight: 700; }
.hero-stats span { font-size: 12.5px; color: rgba(255,255,255,.6); }
@media (min-width: 520px) { .hero-stats { grid-template-columns: repeat(4, 1fr); max-width: none; } }
@media (min-width: 980px)  { .hero-stats { grid-template-columns: repeat(2, 1fr); max-width: 480px; } }

.hero-cta { display: flex; flex-direction: column; align-items: flex-start; gap: 12px; }
.hero-cta-note { font-size: 13px; color: rgba(255,255,255,.55); }

/* =====================================================
   PAGE HERO (inner pages) + breadcrumbs
   ===================================================== */
.page-hero {
  position: relative; overflow: hidden;
  background: linear-gradient(155deg, #16233c 0%, #0b1220 60%);
  color: var(--white);
  padding: 52px 0 60px;
}
.page-hero::before {
  content: ''; position: absolute; width: 560px; height: 560px; border-radius: 50%;
  top: -260px; right: -140px; filter: blur(100px); pointer-events: none;
  background: radial-gradient(circle, rgba(245, 185, 66, .2), transparent 65%);
}
.page-hero::after {
  content: ''; position: absolute; inset: 0; pointer-events: none; opacity: .5;
  background-image: linear-gradient(rgba(255,255,255,.03) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.03) 1px, transparent 1px);
  background-size: 44px 44px;
  -webkit-mask-image: radial-gradient(circle at 80% 0%, #000, transparent 70%);
  mask-image: radial-gradient(circle at 80% 0%, #000, transparent 70%);
}
.page-hero .container { position: relative; z-index: 2; }
.page-hero h1 { color: var(--white); font-size: clamp(28px, 4vw, 43px); font-weight: 700; letter-spacing: -.02em; margin-bottom: 14px; max-width: 800px; }
.page-hero .page-sub { color: rgba(255,255,255,.7); font-size: 17.5px; line-height: 1.6; max-width: 660px; }
.page-hero .hero-badge { margin-bottom: 18px; }

.breadcrumbs {
  display: flex; flex-wrap: wrap; gap: 6px; align-items: center;
  font-size: 13px; color: rgba(255,255,255,.5); margin-bottom: 18px;
}
.breadcrumbs a { color: rgba(255,255,255,.65); transition: color .2s; }
.breadcrumbs a:hover { color: var(--gold); }
.breadcrumbs .sep { color: rgba(255,255,255,.3); }
.breadcrumbs .current { color: var(--gold); }

/* =====================================================
   CALCULATOR / FORM CARD — glassmorphism
   ===================================================== */
.form-card {
  position: relative;
  background: var(--glass-bg);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius);
  padding: 30px 26px;
  box-shadow: 0 24px 60px rgba(0, 0, 0, .35);
}
@media (min-width: 980px) { .form-card { padding: 38px 34px; } }

.form-title { color: var(--white); font-size: 21px; font-weight: 700; margin-bottom: 24px; }

/* --- sliders --- */
.slider-block { margin-bottom: 26px; }
.slider-head { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 12px; }
.slider-head label { font-size: 14px; font-weight: 500; color: rgba(255,255,255,.7); }
.slider-head output { font-family: var(--font-head); font-size: 20px; font-weight: 700; color: var(--gold); }

input[type="range"] {
  -webkit-appearance: none; appearance: none; width: 100%; height: 6px; border-radius: 100px;
  background: rgba(255,255,255,.15); outline: none; cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 24px; height: 24px; border-radius: 50%;
  background: linear-gradient(135deg, var(--gold-bright), var(--gold-deep));
  border: 3px solid #fff;
  box-shadow: 0 3px 12px rgba(245, 185, 66, .55);
  transition: transform .15s;
}
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.12); }
input[type="range"]::-moz-range-thumb {
  width: 18px; height: 18px; border-radius: 50%;
  background: linear-gradient(135deg, var(--gold-bright), var(--gold-deep));
  border: 3px solid #fff;
  box-shadow: 0 3px 12px rgba(245, 185, 66, .55);
}
input[type="range"]::-moz-range-track { height: 6px; border-radius: 100px; background: rgba(255,255,255,.15); }
.slider-scale { display: flex; justify-content: space-between; font-size: 12px; color: rgba(255,255,255,.4); margin-top: 8px; }

/* light-background variant of the calculator (tool page) */
.form-card.light {
  background: var(--white); border: 1px solid var(--line);
  box-shadow: var(--shadow-card); backdrop-filter: none; -webkit-backdrop-filter: none;
}
.form-card.light .form-title { color: var(--ink); }
.form-card.light .slider-head label { color: var(--muted); }
.form-card.light input[type="range"] { background: var(--line); }
.form-card.light .slider-scale { color: var(--muted); }
.form-card.light .calc-results { background: var(--bg-soft); border-color: var(--line); }
.form-card.light .calc-label { color: var(--muted); }
.form-card.light .calc-value { color: var(--ink); }
.form-card.light .calc-item:first-child { border-bottom-color: var(--line); }
.form-card.light .calc-item:first-child .calc-value { color: var(--gold-deep); }
.form-card.light .calc-note { color: var(--muted); }
.form-card.light .field label { color: var(--body); }
.form-card.light .field input, .form-card.light .field select {
  color: var(--ink); background: var(--white); border-color: var(--line);
}
.form-card.light .field input::placeholder { color: var(--muted); }
.form-card.light .checkbox { color: var(--muted); }

/* --- calc results --- */
.calc-results {
  display: grid; grid-template-columns: 1fr 1fr; gap: 12px;
  background: rgba(11, 18, 32, .45);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: 18px; padding: 18px; margin-bottom: 12px;
}
.calc-item { display: flex; flex-direction: column; gap: 2px; }
.calc-item:first-child { grid-column: 1 / -1; padding-bottom: 12px; border-bottom: 1px dashed rgba(255,255,255,.12); }
.calc-label { font-size: 12.5px; color: rgba(255,255,255,.55); }
.calc-value { font-family: var(--font-head); font-weight: 700; font-size: 18px; color: var(--white); }
.calc-item:first-child .calc-value { font-size: 34px; color: var(--gold); }
.calc-note { font-size: 12px; color: rgba(255,255,255,.45); margin-bottom: 20px; }

/* savings highlight (tool page) */
.savings-highlight {
  display: flex; align-items: center; justify-content: space-between; gap: 12px;
  background: linear-gradient(135deg, rgba(245,185,66,.16), rgba(245,185,66,.06));
  border: 1px solid rgba(245, 185, 66, .45);
  border-radius: 16px; padding: 16px 18px; margin-bottom: 18px;
}
.savings-highlight .sav-label { font-size: 13.5px; color: var(--body); }
.savings-highlight .sav-value { font-family: var(--font-head); font-weight: 700; font-size: 26px; color: var(--gold-deep); white-space: nowrap; }

/* --- form fields --- */
.back-link {
  background: none; border: none; color: rgba(255,255,255,.6); font-family: var(--font-body);
  font-size: 14px; cursor: pointer; padding: 0; margin-bottom: 14px; transition: color .2s;
}
.back-link:hover { color: var(--gold); }

.field { margin-bottom: 16px; }
.field label { display: block; font-size: 13.5px; font-weight: 500; color: rgba(255,255,255,.75); margin-bottom: 7px; }
.field input, .field select {
  width: 100%; padding: 13px 15px; font-family: var(--font-body); font-size: 15px;
  color: var(--white); background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.18); border-radius: 12px;
  outline: none; transition: border-color .2s, box-shadow .2s;
}
.field input::placeholder { color: rgba(255,255,255,.35); }
.field select { appearance: none; -webkit-appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23F5B942' stroke-width='2' fill='none' stroke-linecap='round'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 15px center; }
.field select option { color: var(--ink); background: var(--white); }
.field input:focus, .field select:focus {
  border-color: var(--gold); box-shadow: 0 0 0 3px rgba(245, 185, 66, .2);
}
.field input.error, .field select.error { border-color: #f87171; box-shadow: 0 0 0 3px rgba(248, 113, 113, .2); }

/* Telefonas su fiksuotu +370 prefiksu */
.phone-group { display: flex; align-items: stretch; }
.phone-prefix {
  display: flex; align-items: center; padding: 0 13px;
  font-family: var(--font-body); font-size: 15px; font-weight: 600;
  color: var(--white); background: rgba(255,255,255,.13);
  border: 1px solid rgba(255,255,255,.18); border-right: none;
  border-radius: 12px 0 0 12px; white-space: nowrap; user-select: none;
}
.phone-group input {
  border-radius: 0 12px 12px 0 !important; border-left: none;
}
.phone-group input:focus { border-left: none; }
/* khi focus, viền vàng bao cả prefix */
.phone-group:focus-within .phone-prefix { border-color: var(--gold); }
.phone-group:focus-within input { border-color: var(--gold); }

.checkbox {
  display: flex; gap: 10px; align-items: flex-start; font-size: 13px;
  color: rgba(255,255,255,.65); margin-bottom: 12px; cursor: pointer;
  padding: 4px; border-radius: 8px;
}
.checkbox input { margin-top: 3px; width: 16px; height: 16px; accent-color: var(--gold); flex-shrink: 0; cursor: pointer; }
.checkbox a { color: var(--gold); text-decoration: underline; }
.checkbox.error { outline: 1px solid #f87171; background: rgba(248, 113, 113, .08); }
.secure-note { text-align: center; font-size: 12.5px; color: rgba(255,255,255,.5); margin-top: 14px; }

/* --- loading step --- */
.loading-box { padding: 30px 0 20px; text-align: center; }
.spinner {
  position: relative;
  width: 72px; height: 72px; margin: 0 auto 28px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
}
/* vòng xoay (đường viền quay), tách khỏi số để số đứng yên */
.spinner::before {
  content: ""; position: absolute; inset: 0; border-radius: 50%;
  border: 4px solid rgba(255,255,255,.12); border-top-color: var(--gold);
  animation: spin 0.9s linear infinite;
}
/* số đếm ngược đứng yên ở giữa */
.spinner-count {
  font-family: 'Space Grotesk', sans-serif; font-weight: 700;
  font-size: 28px; line-height: 1; color: var(--gold);
  font-variant-numeric: tabular-nums;
  animation: countPulse 1s ease-in-out infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }
@keyframes countPulse {
  0%, 100% { transform: scale(1); opacity: 1; }
  50% { transform: scale(1.12); opacity: .85; }
}
.loading-steps { list-style: none; text-align: left; max-width: 320px; margin: 0 auto; }
.loading-steps li {
  display: flex; align-items: center; gap: 12px; padding: 10px 0;
  color: rgba(255,255,255,.4); font-size: 15px; transition: color .3s;
}
.loading-steps .dot {
  width: 22px; height: 22px; border-radius: 50%; flex-shrink: 0;
  border: 2px solid rgba(255,255,255,.2); transition: all .3s;
  display: inline-flex; align-items: center; justify-content: center;
  font-size: 12px; color: var(--navy);
}
.loading-steps li.active { color: var(--white); }
.loading-steps li.active .dot { border-color: var(--gold); box-shadow: 0 0 12px rgba(245, 185, 66, .5); }
.loading-steps li.done { color: var(--gold); }
.loading-steps li.done .dot { background: var(--gold); border-color: var(--gold); }
.loading-steps li.done .dot::before { content: '✓'; font-weight: 700; }

/* --- success step --- */
.success-box { text-align: center; padding: 14px 0 6px; }
.success-icon {
  width: 68px; height: 68px; margin: 0 auto 20px; border-radius: 50%;
  background: linear-gradient(135deg, var(--gold-bright), var(--gold-deep));
  color: var(--navy); font-size: 34px; font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  box-shadow: var(--shadow-gold);
}
.success-box h2 { color: var(--white); font-size: 22px; margin-bottom: 12px; }
.success-box p { color: rgba(255,255,255,.65); font-size: 15px; margin-bottom: 24px; }

/* =====================================================
   TRUST BAR
   ===================================================== */
.trust-bar {
  background: var(--navy-2);
  border-top: 2px solid var(--gold);
  padding: 28px 0;
}
.trust-grid { display: grid; grid-template-columns: 1fr; gap: 18px; }
@media (min-width: 640px) { .trust-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 980px) { .trust-grid { grid-template-columns: repeat(4, 1fr); } }
.trust-item { display: flex; gap: 14px; align-items: flex-start; }
.trust-ico {
  font-size: 20px; width: 44px; height: 44px; flex-shrink: 0; border-radius: 12px;
  background: rgba(245, 185, 66, .12); border: 1px solid rgba(245, 185, 66, .3);
  display: flex; align-items: center; justify-content: center;
}
.trust-item strong { display: block; font-family: var(--font-head); font-size: 15px; color: var(--white); }
.trust-item div > span { font-size: 13px; color: rgba(255,255,255,.55); }

/* =====================================================
   SECTIONS
   ===================================================== */
.section { padding: 72px 0; background: var(--white); }
@media (min-width: 980px) { .section { padding: 96px 0; } }
.section-sm { padding: 48px 0; }
@media (min-width: 980px) { .section-sm { padding: 64px 0; } }
.section-title { font-size: clamp(26px, 3.6vw, 38px); font-weight: 700; text-align: center; margin-bottom: 12px; }
.section-sub { text-align: center; color: var(--muted); font-size: 16.5px; margin-bottom: 48px; }
.section-soft { background: var(--bg-soft); }

/* --- how it works --- */
.steps-grid { display: grid; grid-template-columns: 1fr; gap: 22px; margin-top: 48px; }
@media (min-width: 820px) { .steps-grid { grid-template-columns: repeat(3, 1fr); } }
.step-card {
  background: var(--bg-soft); border: 1px solid var(--line); border-radius: 20px;
  padding: 32px 26px; transition: transform .25s, box-shadow .25s;
}
.step-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-card); }
.step-num {
  font-family: var(--font-head); font-weight: 700; font-size: 19px;
  width: 46px; height: 46px; border-radius: 14px; margin-bottom: 18px;
  background: var(--navy); color: var(--gold);
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 6px 16px rgba(11,18,32,.25);
}
.step-card h3 { font-size: 18.5px; margin-bottom: 10px; }
.step-card p { font-size: 15px; color: var(--body); }

/* --- benefits (DARK section) --- */
.section-alt {
  position: relative; overflow: hidden;
  background: var(--navy);
}
.section-alt::before {
  content: ''; position: absolute; width: 520px; height: 520px; border-radius: 50%;
  top: -240px; right: -160px; filter: blur(100px); pointer-events: none;
  background: radial-gradient(circle, rgba(245, 185, 66, .16), transparent 65%);
}
.section-alt .section-title { color: var(--white); margin-bottom: 48px; }
.section-alt .section-sub { color: rgba(255,255,255,.6); }
.benefits-grid { position: relative; z-index: 2; display: grid; grid-template-columns: 1fr; gap: 20px; }
@media (min-width: 820px) { .benefits-grid { grid-template-columns: repeat(2, 1fr); gap: 26px; } }
.benefit {
  display: flex; gap: 18px; align-items: flex-start;
  background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.1);
  border-radius: 20px; padding: 26px 24px;
  transition: border-color .25s, background .25s;
}
.benefit:hover { border-color: rgba(245, 185, 66, .45); background: rgba(255,255,255,.07); }
.benefit > span {
  width: 38px; height: 38px; flex-shrink: 0; border-radius: 50%;
  background: linear-gradient(135deg, var(--gold-bright), var(--gold-deep));
  color: var(--navy); font-weight: 700; font-size: 17px;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 4px 14px rgba(245, 185, 66, .4);
}
.benefit strong { display: block; font-family: var(--font-head); font-size: 17.5px; color: var(--white); margin-bottom: 6px; }
.benefit p { font-size: 14.5px; color: rgba(255,255,255,.62); }

/* =====================================================
   OFFERS
   ===================================================== */
.offers-list { display: flex; flex-direction: column; gap: 22px; margin-top: 48px; }

/* ===== OFFER CARD — layout 3 cột: brand | body(specs+feature) | action ===== */
.offer-card {
  position: relative;
  background: var(--white); border: 1px solid var(--line); border-radius: 18px;
  padding: 24px; box-shadow: var(--shadow-card);
  display: grid; grid-template-columns: 1fr; gap: 22px;
  transition: transform .25s, box-shadow .25s, border-color .25s;
}
.offer-card:hover { transform: translateY(-4px); box-shadow: 0 18px 44px rgba(11,18,32,.13); border-color: #cfd7e3; }
@media (min-width: 860px) {
  .offer-card {
    grid-template-columns: 186px 1fr 214px;
    align-items: stretch; padding: 26px; gap: 28px;
  }
}

/* --- badge featured --- */
.offer-flag {
  position: absolute; top: -13px; left: 24px; z-index: 2;
  display: inline-flex; align-items: center; gap: 6px;
  background: linear-gradient(135deg, var(--gold-bright), var(--gold-deep));
  color: var(--navy); font-family: var(--font-head); font-weight: 700; font-size: 11.5px;
  letter-spacing: .04em; text-transform: uppercase;
  padding: 6px 15px; border-radius: 100px; box-shadow: var(--shadow-gold);
}
.offer-flag .ico { font-size: 13px; }

/* --- CỘT TRÁI: brand --- */
.offer-brand {
  display: flex; flex-direction: column; gap: 11px; align-items: center;
  text-align: center;
}
@media (min-width: 860px) {
  .offer-brand {
    justify-content: center;
    border-right: 1px solid var(--line); padding-right: 26px; margin-right: 2px;
  }
}
.offer-logo-frame {
  width: 100%; max-width: 186px; height: 78px;
  background: #fff; border: 1px solid var(--line); border-radius: 12px;
  display: flex; align-items: center; justify-content: center; padding: 12px 18px;
  box-shadow: 0 2px 10px rgba(11,18,32,.06);
}
.offer-logo-img { max-width: 100%; max-height: 100%; width: auto; height: auto; object-fit: contain; }
.offer-name { font-family: var(--font-head); font-weight: 700; font-size: 18px; color: var(--navy); line-height: 1.2; }
.offer-licensed {
  display: inline-flex; align-items: center; gap: 5px;
  font-size: 11.5px; font-weight: 600; color: #2f9e44;
  background: #edf9ef; border: 1px solid #cdecd2; border-radius: 100px;
  padding: 4px 11px 4px 9px;
}
.offer-licensed .ico { font-size: 13px; }

/* --- CỘT GIỮA: body (specs 2×3 + feature) --- */
.offer-body { display: flex; flex-direction: column; gap: 16px; justify-content: center; }
.offer-specs {
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px 20px;
}
@media (min-width: 560px) { .offer-specs { grid-template-columns: repeat(3, 1fr); } }
.spec { display: flex; flex-direction: column; gap: 3px; }
.spec-label {
  font-size: 11px; color: var(--muted); text-transform: uppercase;
  letter-spacing: .05em; font-weight: 600;
}
.spec-value { font-family: var(--font-head); font-weight: 700; font-size: 16px; color: var(--ink); line-height: 1.25; }
/* Palūkanos nổi bật: to hơn + màu vàng đậm */
.spec-rate .spec-value { font-size: 19px; color: var(--gold-deep); }
.offer-feature {
  display: flex; align-items: center; gap: 8px;
  font-size: 13.5px; color: var(--ink); font-weight: 500;
  background: #f7f9fc; border: 1px solid var(--line); border-radius: 10px;
  padding: 9px 13px;
}
.offer-feature .ico { color: #2f9e44; font-size: 15px; flex-shrink: 0; }

/* --- CỘT PHẢI: action --- */
.offer-action {
  display: flex; flex-direction: column; gap: 9px; justify-content: center;
  text-align: center;
}
@media (min-width: 860px) {
  .offer-action { border-left: 1px solid var(--line); padding-left: 26px; }
}
.offer-apply { width: 100%; text-align: center; padding: 14px 18px; font-size: 15.5px; font-weight: 700; }
.offer-review-link { font-size: 13px; color: var(--muted); text-decoration: underline; transition: color .2s; text-align: center; }
.offer-review-link:hover { color: var(--gold-deep); }
.offer-free {
  display: inline-flex; align-items: center; justify-content: center; gap: 5px;
  font-size: 11.5px; color: var(--muted); margin-top: 2px;
}
.offer-free .ico { font-size: 12px; color: #2f9e44; }

/* legacy text logo (review pages) */
.offer-logo { font-family: var(--font-head); font-weight: 700; font-size: 21px; color: var(--navy); }
.offer-rating { color: var(--gold-deep); font-size: 15px; letter-spacing: 1px; }
.offer-rating > span { color: var(--muted); font-size: 12.5px; letter-spacing: 0; margin-left: 4px; }

/* ===== featured — dark navy card, gold border ===== */
.offer-card.featured {
  background: linear-gradient(160deg, #101a2e, var(--navy));
  border: 2px solid var(--gold);
  box-shadow: 0 20px 50px rgba(11, 18, 32, .4);
}
.offer-card.featured .offer-brand,
.offer-card.featured .offer-action { border-color: rgba(255,255,255,.12); }
.offer-card.featured .offer-name { color: var(--white); }
.offer-card.featured .spec-label { color: rgba(255,255,255,.55); }
.offer-card.featured .spec-value { color: var(--white); }
.offer-card.featured .spec-rate .spec-value { color: var(--gold); }
.offer-card.featured .offer-feature {
  background: rgba(255,255,255,.06); border-color: rgba(255,255,255,.12); color: rgba(255,255,255,.9);
}
.offer-card.featured .offer-licensed { background: rgba(47,158,68,.16); border-color: rgba(47,158,68,.4); color: #6ee08a; }
.offer-card.featured .offer-review-link { color: rgba(255,255,255,.6); }
.offer-card.featured .offer-review-link:hover { color: var(--gold); }
.offer-card.featured .offer-free { color: rgba(255,255,255,.5); }
.offer-card.featured .offer-logo { color: var(--white) !important; }

.offers-disclaimer { margin-top: 32px; text-align: center; font-size: 13px; color: var(--muted); max-width: 720px; margin-left: auto; margin-right: auto; }

/* =====================================================
   FAQ
   ===================================================== */
.section-faq { background: var(--bg-soft); }
.section-faq .section-title { margin-bottom: 44px; }
.faq-list { display: flex; flex-direction: column; gap: 14px; }
.faq-item {
  background: var(--white); border: 1px solid var(--line); border-radius: 16px;
  overflow: hidden; transition: border-color .2s, box-shadow .2s;
}
.faq-item[open] { border-color: rgba(245, 185, 66, .55); box-shadow: var(--shadow-card); }
.faq-item summary {
  list-style: none; cursor: pointer; padding: 20px 56px 20px 24px; position: relative;
  font-family: var(--font-head); font-weight: 600; font-size: 16.5px; color: var(--ink);
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+'; position: absolute; right: 20px; top: 50%; transform: translateY(-50%);
  width: 28px; height: 28px; border-radius: 50%;
  background: var(--navy); color: var(--gold);
  display: flex; align-items: center; justify-content: center;
  font-size: 17px; font-weight: 500; transition: transform .25s, background .25s;
}
.faq-item[open] summary::after { content: '−'; background: var(--gold); color: var(--navy); }
.faq-item p, .faq-item div.faq-body { padding: 0 24px 22px; font-size: 15px; color: var(--body); }
.faq-item div.faq-body p { padding: 0 0 10px; }

/* =====================================================
   CTA STRIP
   ===================================================== */
.cta-strip {
  position: relative; overflow: hidden;
  background: linear-gradient(120deg, var(--gold-deep), var(--gold) 55%, var(--gold-bright));
  padding: 56px 0;
}
.cta-inner {
  position: relative; z-index: 2;
  display: flex; flex-direction: column; gap: 24px; align-items: flex-start;
}
@media (min-width: 820px) { .cta-inner { flex-direction: row; align-items: center; justify-content: space-between; } }
.cta-strip h2 { color: var(--navy); font-size: clamp(24px, 3.4vw, 34px); margin-bottom: 8px; }
.cta-strip p { color: rgba(11, 18, 32, .75); font-size: 16.5px; font-weight: 500; }
.cta-strip .btn-white { background: var(--navy); color: var(--gold); }
.cta-strip .btn-white:hover { background: var(--navy-3); }

/* =====================================================
   CONTENT / PROSE (guides, reviews, articles, legal)
   ===================================================== */
.prose { max-width: 740px; margin: 0 auto; font-size: 16.5px; line-height: 1.72; color: #3a4661; }
.prose > h2 { font-size: clamp(24px, 3.2vw, 32px); font-weight: 700; margin: 52px 0 18px; letter-spacing: -.01em; scroll-margin-top: 90px; position: relative; padding-top: 8px; }
/* thin gold accent above each H2 */
.prose > h2::before { content: ''; display: block; width: 42px; height: 4px; border-radius: 4px; background: linear-gradient(90deg, var(--gold-bright), var(--gold-deep)); margin-bottom: 18px; }
.prose h3 { font-size: 21px; font-weight: 700; margin: 36px 0 12px; color: var(--ink); }
.prose p { margin-bottom: 18px; }
.prose > p:first-of-type { font-size: 18px; color: var(--body); }
/* drop cap on first paragraph after tldr */
.prose ul, .prose ol { margin: 0 0 22px 4px; padding: 0; list-style: none; }
.prose ul li, .prose ol li { position: relative; margin-bottom: 11px; padding-left: 30px; }
.prose ul li::before { content: ''; position: absolute; left: 4px; top: 9px; width: 8px; height: 8px; border-radius: 50%; background: linear-gradient(135deg, var(--gold-bright), var(--gold-deep)); }
.prose ol { counter-reset: li; }
.prose ol li { counter-increment: li; }
.prose ol li::before { content: counter(li); position: absolute; left: 0; top: 1px; width: 22px; height: 22px; border-radius: 7px; background: var(--navy); color: var(--gold); font-family: var(--font-head); font-weight: 700; font-size: 12px; display: flex; align-items: center; justify-content: center; }
.prose a { color: var(--gold-deep); text-decoration: none; border-bottom: 1.5px solid rgba(217,158,34,.35); transition: border-color .2s, color .2s; }
.prose a:hover { color: var(--gold); border-bottom-color: var(--gold); }
.prose strong { color: var(--ink); font-weight: 700; }
.prose blockquote {
  border: none; position: relative; background: linear-gradient(135deg, #fdf8ec, #fbf3df);
  border-radius: 16px; padding: 26px 28px 26px 62px; margin: 0 0 24px;
  font-size: 18px; line-height: 1.6; color: var(--ink); font-weight: 500;
}
.prose blockquote::before { content: '"'; position: absolute; left: 22px; top: 8px; font-family: var(--font-head); font-size: 54px; color: var(--gold); line-height: 1; }
.prose hr { border: none; height: 1px; background: var(--line); margin: 40px 0; }

/* TL;DR / key answer box — AEO/GEO snippet target */
.tldr-box {
  position: relative; overflow: hidden;
  background: linear-gradient(150deg, #131f36 0%, #0b1220 100%); color: rgba(255,255,255,.9);
  border: 1px solid rgba(245,185,66,.35); border-radius: 20px;
  padding: 28px 30px; margin: 30px 0 40px;
  box-shadow: 0 16px 40px rgba(11,18,32,.18);
}
.tldr-box::before { content: ''; position: absolute; width: 220px; height: 220px; border-radius: 50%; top: -110px; right: -70px; filter: blur(60px); background: radial-gradient(circle, rgba(245,185,66,.22), transparent 65%); pointer-events: none; }
.tldr-box > * { position: relative; }
.tldr-box .tldr-label {
  display: inline-flex; align-items: center; gap: 6px; font-family: var(--font-head); font-weight: 700; font-size: 11.5px;
  letter-spacing: .1em; text-transform: uppercase; color: var(--navy);
  background: linear-gradient(135deg, var(--gold-bright), var(--gold));
  padding: 5px 14px; border-radius: 100px; margin-bottom: 14px;
}
.tldr-box p { margin: 0; font-size: 16px; line-height: 1.65; }
.tldr-box strong { color: var(--gold); }
.tldr-box ul { margin: 12px 0 0; }
.tldr-box li { margin-bottom: 8px; font-size: 15px; padding-left: 26px; position: relative; }
.tldr-box li::before { content: ''; position: absolute; left: 2px; top: 8px; width: 7px; height: 7px; border-radius: 50%; background: var(--gold); }

/* info / warning boxes */
.info-box {
  position: relative; border: 1px solid var(--line); border-left: none;
  background: #fff; border-radius: 14px;
  padding: 20px 24px 20px 58px; margin: 0 0 24px; font-size: 15.5px; line-height: 1.6;
  box-shadow: 0 4px 16px rgba(11,18,32,.05);
}
.info-box::before {
  content: 'i'; position: absolute; left: 18px; top: 20px;
  width: 26px; height: 26px; border-radius: 8px;
  background: linear-gradient(135deg, var(--gold-bright), var(--gold-deep)); color: var(--navy);
  font-family: var(--font-head); font-weight: 700; font-style: italic; font-size: 15px;
  display: flex; align-items: center; justify-content: center;
}
.info-box strong { color: var(--ink); }

/* table of contents */
.toc {
  background: var(--bg-soft); border: 1px solid var(--line); border-radius: 16px;
  padding: 24px 28px; margin: 0 0 40px;
}
.toc h2, .toc .toc-title { font-family: var(--font-head); font-size: 13px; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); margin: 0 0 14px; }
.toc h2::before { display: none; }
.toc ol { margin: 0; counter-reset: toc; }
.toc li { margin-bottom: 10px; font-size: 15px; padding-left: 32px; position: relative; counter-increment: toc; }
.toc li::before { content: counter(toc,decimal-leading-zero); position: absolute; left: 0; top: 1px; font-family: var(--font-head); font-weight: 700; font-size: 13px; color: var(--gold-deep); }
.toc a { color: var(--body); text-decoration: none; border: none; transition: color .2s; }
.toc a:hover { color: var(--gold-deep); }

/* comparison tables */
.table-wrap { display: block; width: 100%; max-width: 100%; overflow-x: auto; margin: 0 0 28px; border-radius: 18px; border: 1px solid var(--line); box-shadow: 0 10px 30px rgba(11,18,32,.08); -webkit-overflow-scrolling: touch; }
table.cmp { width: 100%; border-collapse: collapse; font-size: 15px; background: var(--white); min-width: 560px; }
table.cmp th {
  background: linear-gradient(135deg, #16233c, #0b1220); color: #fff; font-family: var(--font-head);
  font-weight: 600; font-size: 12.5px; text-transform: uppercase; letter-spacing: .05em;
  text-align: left; padding: 16px 18px; white-space: nowrap;
}
table.cmp th:first-child { border-top-left-radius: 0; }
table.cmp td { padding: 15px 18px; border-top: 1px solid var(--line); vertical-align: middle; color: var(--body); }
table.cmp tbody tr { transition: background .18s; }
table.cmp tbody tr:hover td { background: #fbf6e8; }
table.cmp tr:nth-child(even) td { background: var(--bg-soft); }
table.cmp tr:nth-child(even):hover td { background: #fbf6e8; }
table.cmp td:first-child, table.cmp td strong { color: var(--ink); font-family: var(--font-head); font-weight: 600; }
table.cmp .td-gold { color: var(--gold-deep); font-weight: 700; font-family: var(--font-head); font-size: 15.5px; }
/* highlight row (best/winner) */
table.cmp tr.row-hl td { background: linear-gradient(90deg, rgba(245,185,66,.14), rgba(245,185,66,.05)); box-shadow: inset 3px 0 0 var(--gold); }
table.cmp tr.row-hl:hover td { background: rgba(245,185,66,.18); }

/* stat strip — số liệu nổi bật giữa bài */
.stat-strip { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin: 8px 0 32px; }
@media (max-width: 620px) { .stat-strip { grid-template-columns: 1fr; } }
.stat-strip .stat-item { background: var(--bg-soft); border: 1px solid var(--line); border-radius: 16px; padding: 22px 20px; text-align: center; }
.stat-strip .stat-num { font-family: var(--font-head); font-weight: 700; font-size: 30px; line-height: 1; background: linear-gradient(135deg, var(--gold-deep), #b8801a); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; }
.stat-strip .stat-label { font-size: 13.5px; color: var(--muted); margin-top: 8px; }

/* article meta */
.article-meta {
  display: flex; flex-wrap: wrap; gap: 8px 18px; align-items: center;
  font-size: 13.5px; color: rgba(255,255,255,.55); margin-top: 14px;
}
.article-meta .tag {
  background: rgba(245,185,66,.12); border: 1px solid rgba(245,185,66,.35);
  color: var(--gold); font-weight: 600; font-size: 12px;
  padding: 3px 12px; border-radius: 100px;
}

/* article cards (blog listing / related) */
.articles-grid { display: grid; grid-template-columns: 1fr; gap: 22px; margin-top: 44px; }
@media (min-width: 720px) { .articles-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 980px) { .articles-grid { grid-template-columns: repeat(3, 1fr); } }
.article-card {
  display: flex; flex-direction: column;
  background: var(--white); border: 1px solid var(--line); border-radius: 20px;
  padding: 26px 26px 24px; box-shadow: var(--shadow-card);
  transition: transform .25s, box-shadow .25s, border-color .25s;
}
.article-card:hover { transform: translateY(-5px); box-shadow: 0 16px 40px rgba(11,18,32,.12); border-color: rgba(245,185,66,.5); }
.article-card .tag {
  align-self: flex-start;
  background: rgba(245,185,66,.14); color: var(--gold-deep); font-weight: 700; font-size: 12px;
  padding: 4px 12px; border-radius: 100px; margin-bottom: 14px;
  font-family: var(--font-head); letter-spacing: .03em; text-transform: uppercase;
}
.article-card { position: relative; overflow: hidden; }
.article-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px; background: linear-gradient(90deg, var(--gold-bright), var(--gold-deep)); transform: scaleX(0); transform-origin: left; transition: transform .3s ease; }
.article-card:hover::before { transform: scaleX(1); }
.article-card h3 { font-size: 19px; margin-bottom: 10px; line-height: 1.3; }
.article-card p { font-size: 14.5px; color: var(--body); flex: 1; line-height: 1.6; }
.article-card .read-more { margin-top: 18px; font-family: var(--font-head); font-weight: 700; font-size: 14.5px; color: var(--gold-deep); display: inline-flex; align-items: center; gap: 6px; transition: gap .2s; }
.article-card:hover .read-more { color: var(--gold); gap: 10px; }

/* =====================================================
   LENDER REVIEW PAGE
   ===================================================== */
.lender-card-top {
  background: var(--white); border: 1px solid var(--line); border-radius: 20px;
  box-shadow: var(--shadow-card); padding: 28px;
  display: grid; grid-template-columns: 1fr; gap: 22px; margin: -40px auto 40px; position: relative; z-index: 5;
  max-width: 980px;
}
@media (min-width: 820px) { .lender-card-top { grid-template-columns: 1fr auto; align-items: center; } }
.lender-card-top .offer-logo { font-size: 26px; }
.lender-facts { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px 22px; margin-top: 16px; }
@media (min-width: 620px) { .lender-facts { grid-template-columns: repeat(4, 1fr); } }

.pros-cons { display: grid; grid-template-columns: 1fr; gap: 20px; margin: 28px 0 36px; }
@media (min-width: 720px) { .pros-cons { grid-template-columns: 1fr 1fr; } }
.pros, .cons { border-radius: 18px; padding: 24px 26px; border: 1px solid var(--line); box-shadow: 0 6px 20px rgba(11,18,32,.05); }
.pros { background: linear-gradient(160deg, #f3fbf4, #eaf7ec); border-color: #d3ecd6; }
.cons { background: linear-gradient(160deg, #fdf6f1, #fbeee6); border-color: #f2dccd; }
.pros h3, .cons h3 { font-size: 16px; margin: 0 0 16px; display: flex; align-items: center; gap: 9px; }
.pros h3::before { content: '✓'; width: 24px; height: 24px; border-radius: 8px; background: #2f9e44; color: #fff; font-size: 14px; display: inline-flex; align-items: center; justify-content: center; flex-shrink: 0; }
.cons h3::before { content: '–'; width: 24px; height: 24px; border-radius: 8px; background: #d9480f; color: #fff; font-size: 16px; font-weight: 700; display: inline-flex; align-items: center; justify-content: center; flex-shrink: 0; }
.pros ul, .cons ul { list-style: none; margin: 0; padding: 0; }
.pros li, .cons li { display: flex; gap: 11px; margin-bottom: 12px; font-size: 15px; line-height: 1.5; color: var(--body); align-items: flex-start; }
.pros li:last-child, .cons li:last-child { margin-bottom: 0; }
.pros li::before { content: ''; flex-shrink: 0; margin-top: 6px; width: 16px; height: 16px; background: no-repeat center/contain url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%232f9e44' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m5 12.5 4.5 4.5L19 6.5'/%3E%3C/svg%3E"); }
.cons li::before { content: ''; flex-shrink: 0; margin-top: 6px; width: 16px; height: 16px; background: no-repeat center/contain url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23d9480f' stroke-width='3' stroke-linecap='round'%3E%3Cpath d='M6 12h12'/%3E%3C/svg%3E"); }

.rating-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--navy); color: var(--gold); border-radius: 14px;
  font-family: var(--font-head); font-weight: 700; font-size: 22px;
  padding: 10px 18px;
}
.rating-badge small { color: rgba(255,255,255,.55); font-size: 12px; font-weight: 400; font-family: var(--font-body); }

/* =====================================================
   FOOTER
   ===================================================== */
.site-footer { background: var(--navy); color: rgba(255,255,255,.6); padding: 64px 0 36px; }
.footer-grid { display: grid; grid-template-columns: 1fr; gap: 36px; padding-bottom: 40px; border-bottom: 1px solid rgba(255,255,255,.1); }
@media (min-width: 680px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 980px) { .footer-grid { grid-template-columns: 1.3fr 1fr 1fr 1fr; gap: 40px; } }
.logo-footer { display: inline-block; margin-bottom: 14px; }
.footer-about p { font-size: 14px; max-width: 380px; }
.footer-col h4 { color: var(--gold); font-size: 14px; text-transform: uppercase; letter-spacing: .08em; margin-bottom: 16px; }
.footer-col a { display: block; font-size: 14.5px; padding: 5px 0; color: rgba(255,255,255,.6); transition: color .2s; }
.footer-col a:hover { color: var(--gold); }
.footer-legal { padding-top: 32px; }
.footer-legal p { font-size: 12.5px; color: rgba(255,255,255,.42); margin-bottom: 12px; }
.footer-legal strong { color: rgba(255,255,255,.6); }
.copyright { padding-top: 8px; }

/* =====================================================
   MODAL — form popup + loading + offers (V3 glass)
   ===================================================== */
.modal-overlay {
  position: fixed; inset: 0; z-index: 1000;
  background: rgba(6, 10, 20, .72);
  backdrop-filter: blur(6px); -webkit-backdrop-filter: blur(6px);
  display: flex; align-items: flex-start; justify-content: center;
  padding: 24px 16px; overflow-y: auto;
  opacity: 0; visibility: hidden; transition: opacity .28s ease, visibility .28s ease;
}
.modal-overlay.open { opacity: 1; visibility: visible; }

.modal {
  position: relative; width: 100%; max-width: 560px; margin: auto;
  background: linear-gradient(160deg, #131f36 0%, #0b1220 100%);
  border: 1px solid var(--glass-border);
  border-radius: 24px;
  box-shadow: 0 30px 80px rgba(0,0,0,.55);
  padding: 34px 30px 30px;
  transform: translateY(24px) scale(.98); transition: transform .3s cubic-bezier(.2,.8,.25,1);
}
.modal-overlay.open .modal { transform: translateY(0) scale(1); }
@media (min-width: 720px) { .modal { padding: 40px 40px 34px; } }
.modal.modal-wide { max-width: 940px; }

.modal-glow {
  content: ''; position: absolute; width: 340px; height: 340px; border-radius: 50%;
  top: -160px; right: -120px; filter: blur(90px); pointer-events: none; z-index: 0;
  background: radial-gradient(circle, rgba(245,185,66,.22), transparent 65%);
}
.modal > * { position: relative; z-index: 1; }

.modal-close {
  position: absolute; top: 16px; right: 16px; z-index: 3;
  width: 40px; height: 40px; border-radius: 50%;
  background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.16);
  color: rgba(255,255,255,.75); font-size: 20px; line-height: 1; cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  transition: background .2s, color .2s, transform .2s;
}
.modal-close:hover { background: rgba(245,185,66,.2); color: var(--gold); transform: rotate(90deg); }

.modal-summary {
  display: flex; flex-wrap: wrap; gap: 8px 10px; margin-bottom: 22px;
}
.modal-summary .chip {
  font-size: 13px; color: rgba(255,255,255,.8);
  background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12);
  padding: 6px 14px; border-radius: 100px;
}
.modal-summary .chip strong { color: var(--gold); font-family: var(--font-head); }

.modal-step { animation: modalFade .35s ease; }
@keyframes modalFade { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }

/* offers inside modal */
.modal-offers-head { text-align: center; margin-bottom: 22px; }
.modal-offers-head .success-icon { margin-bottom: 16px; }
.modal-offers-head h2 { color: var(--white); font-size: 22px; margin-bottom: 8px; }
.modal-offers-head p { color: rgba(255,255,255,.68); font-size: 14.5px; }

.modal-offers { display: flex; flex-direction: column; gap: 12px; max-height: 60vh; overflow-y: auto; padding: 4px 2px; margin: 0 -2px; }
.modal-offer {
  display: grid; grid-template-columns: 120px 1fr auto; gap: 14px; align-items: center;
  background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.1);
  border-radius: 16px; padding: 14px 16px; transition: border-color .2s, background .2s;
}
.modal-offer:hover { border-color: rgba(245,185,66,.45); background: rgba(255,255,255,.08); }
.modal-offer.featured { border-color: var(--gold); background: rgba(245,185,66,.08); }
.modal-offer-logo { width: 110px; height: 56px; object-fit: contain; object-position: center; background:#fff; border-radius:8px; padding:8px 12px; }
.modal-offer-info { min-width: 0; }
.modal-offer-name { font-family: var(--font-head); font-weight: 700; color: var(--white); font-size: 16px; }
.modal-offer-specs { display: flex; flex-wrap: wrap; gap: 4px 14px; margin-top: 3px; }
.modal-offer-specs span { font-size: 12.5px; color: rgba(255,255,255,.6); }
.modal-offer-specs span strong { color: var(--gold); font-weight: 600; }
.modal-offer-cta {
  white-space: nowrap; font-family: var(--font-head); font-weight: 700; font-size: 14px;
  padding: 10px 18px; border-radius: 12px;
  background: linear-gradient(135deg, var(--gold-bright), var(--gold)); color: var(--navy);
  box-shadow: 0 6px 18px rgba(245,185,66,.3); transition: transform .2s, filter .2s;
}
.modal-offer-cta:hover { transform: translateY(-2px); filter: brightness(1.06); }
@media (max-width: 560px) {
  .modal-offer { grid-template-columns: 92px 1fr; }
  .modal-offer-logo { width: 88px; height: 44px; padding: 6px 8px; }
  .modal-offer-cta { grid-column: 1 / -1; text-align: center; }
}

body.modal-open { overflow: hidden; }

/* =====================================================
   ICONS — inline SVG thay emoji (currentColor)
   ===================================================== */
.ico { display: inline-flex; align-items: center; justify-content: center; }
.ico svg { width: 1em; height: 1em; display: block; }
/* trust bar icon box */
.trust-ico .ico { font-size: 20px; color: var(--gold); }
/* check trong hero-badge / benefit / feature */
.hero-badge .ico { font-size: 13px; vertical-align: -1px; margin-right: 2px; }
.benefit > span .ico { font-size: 17px; }
.secure-note .ico { font-size: 14px; vertical-align: -2px; margin-right: 4px; color: var(--gold); }
/* nav toggle */
.nav-toggle .ico { font-size: 22px; }
/* modal close */
.modal-close .ico { font-size: 20px; }

/* =====================================================
   OFFER COMPARISON TABLE (kreditoriai + palyginimas)
   ===================================================== */
table.cmp-offers { min-width: 860px; }
/* các cột số (lãi, BVKKMN, suma, laikotarpis, amžius) không gãy chữ */
table.cmp-offers td:not(.cmp-lender):not(.cmp-cta) { white-space: nowrap; }
.cmp-lender { min-width: 150px; }
.cmp-lender a { display: flex; align-items: center; gap: 12px; text-decoration: none; border: none; }
.cmp-logo {
  width: 68px; height: 40px; object-fit: contain; object-position: center;
  background: #fff; border: 1px solid var(--line); border-radius: 8px; padding: 5px 7px; flex-shrink: 0;
}
.cmp-lender a span { font-family: var(--font-head); font-weight: 700; font-size: 15px; color: var(--ink); transition: color .2s; white-space: nowrap; word-break: normal; overflow-wrap: normal; }
.cmp-lender a:hover span { color: var(--gold-deep); }
.cmp-cta { text-align: right; white-space: nowrap; }
.cmp-cta a {
  display: inline-flex; align-items: center; justify-content: center;
  font-family: var(--font-head); font-weight: 700; font-size: 13.5px;
  color: var(--navy); background: linear-gradient(135deg, var(--gold-bright), var(--gold));
  padding: 9px 16px; border-radius: 10px; border: none; text-decoration: none;
  box-shadow: 0 4px 12px rgba(245,185,66,.28); transition: transform .18s, filter .18s;
}
.cmp-cta a:hover { transform: translateY(-2px); filter: brightness(1.06); }