/* Solar Pulse v1.0 — brightwaycreditcardusa.com */
/* Palette : Dark Navy #061029 × Amber Gold #F59E0B */
/* Fonts   : DM Serif Display (italic) + Inter */

:root {
  --ink:    #061029;
  --navy-d: #030A18;
  --navy-c: #0D1F3C;
  --cobalt: #D97706;
  --cobalt2:#B45309;
  --gold:   #F59E0B;
  --amber:  #F59E0B;
  --emerald:#10B981;
  --scarlet:#E8303A;
  --cloud:  #FEF9EE;
  --cream:  #FFFCF5;
  --steel:  #92806A;
  --text:   #1C1108;
  --chalk:  #FFFFFF;
  --font:   'Inter', system-ui, sans-serif;
  --fhead:  'DM Serif Display', Georgia, serif;
  --sec:    80px;
  --r8:     8px;
  --r16:    16px;
  --r24:    24px;
  --sh:     0 2px 20px rgba(6,16,41,0.10);
  --sh2:    0 8px 40px rgba(245,158,11,0.14);
  --tr:     0.22s ease;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--font);font-size:16px;line-height:1.7;color:var(--text);background:var(--cream);overflow-x:hidden}
img{display:block;max-width:100%;height:auto}
a{color:var(--cobalt);text-decoration:none}
a:hover{text-decoration:underline}

.container{max-width:1180px;margin:0 auto;padding:0 24px}

/* ── TYPOGRAPHY ── */
h1,h2,h3{font-family:var(--fhead);font-style:italic;font-weight:400;line-height:1.2}
h4,h5{font-family:var(--font);font-weight:700;line-height:1.25}
h1{font-size:clamp(36px,5.5vw,70px);color:var(--text)}
h2{font-size:clamp(26px,3.5vw,46px);color:var(--text)}
h3{font-size:clamp(18px,2.2vw,28px);color:var(--text)}
h4{font-size:20px;color:var(--text)}
h5{font-size:15px;color:var(--text)}
.text-sm{font-size:14px}
.text-muted{color:var(--steel)}

/* ── BUTTONS ── */
.btn{display:inline-flex;align-items:center;justify-content:center;padding:14px 28px;border-radius:var(--r8);font-family:var(--font);font-size:16px;font-weight:600;cursor:pointer;border:none;text-decoration:none;transition:all var(--tr);white-space:nowrap;gap:8px}
.btn-primary{background:var(--gold);color:#1A0A00;box-shadow:0 4px 16px rgba(245,158,11,.35)}
.btn-primary:hover{background:#F6A800;box-shadow:0 6px 24px rgba(245,158,11,.45);text-decoration:none;transform:translateY(-1px)}
.btn-outline{background:transparent;color:var(--chalk);border:2px solid rgba(255,255,255,.45)}
.btn-outline:hover{border-color:var(--chalk);background:rgba(255,255,255,.08);text-decoration:none}
.btn-ghost{background:transparent;color:var(--cobalt);border:2px solid var(--cobalt)}
.btn-ghost:hover{background:rgba(217,119,6,.07);text-decoration:none}
.btn-lg{padding:18px 36px;font-size:18px}
.btn-sm{padding:10px 20px;font-size:14px}

/* ── NAV ── */
.navbar{position:fixed;top:0;left:0;right:0;z-index:1000;background:rgba(3,10,24,.97);backdrop-filter:blur(14px);border-bottom:1px solid rgba(245,158,11,.10)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:68px}
.nav-logo{display:flex;align-items:center;gap:10px;font-family:var(--fhead);font-style:italic;font-size:18px;font-weight:400;color:var(--chalk);text-decoration:none}
.logo-mark{width:34px;height:34px;background:var(--gold);border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:16px;font-weight:900;color:#1A0A00;flex-shrink:0;font-family:var(--font);font-style:normal}
.nav-links{display:flex;align-items:center;gap:4px;list-style:none}
.nav-links a{display:block;padding:8px 13px;border-radius:6px;color:rgba(255,255,255,.72);font-size:14px;font-weight:500;text-decoration:none;transition:color var(--tr),background var(--tr)}
.nav-links a:hover,.nav-links a.active{color:var(--chalk);background:rgba(255,255,255,.08)}
.nav-cta{margin-left:10px}
.nav-toggle{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:4px}
.nav-toggle span{display:block;width:24px;height:2px;background:var(--chalk);border-radius:2px;transition:var(--tr)}

/* ── DISCLOSURE ── */
.disc-bar{background:#FEF9EE;border-bottom:1px solid rgba(217,119,6,.20);padding:4px 0;font-size:11px;color:#92400E;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.disc-bar a{color:#92400E;text-decoration:underline}
@media(max-width:1100px){.disc-bar{white-space:normal}}

/* ── HERO ── */
.hero{background:var(--ink) url('../images/hero-person.webp') no-repeat 18% 40%/115% auto;padding:72px 0 64px;position:relative;overflow:hidden}
.hero::before{content:'';position:absolute;inset:0;background:linear-gradient(to right,rgba(6,16,41,.65) 0%,rgba(6,16,41,.35) 32%,rgba(6,16,41,0) 58%),linear-gradient(to bottom,transparent 55%,rgba(6,16,41,.88) 100%);pointer-events:none;z-index:1}
@media(max-width:1024px){.hero{background:var(--ink) url('../images/hero-person.webp') no-repeat 15% 88% / auto 90%}}
@media(max-width:768px){.hero{background:var(--ink)!important}}
.hero .hero-inner{grid-template-columns:1fr 460px}
.hero-inner{display:grid;grid-template-columns:1fr 460px;gap:56px;align-items:center;position:relative;z-index:1}
.hero-eyebrow{display:inline-flex;align-items:center;gap:6px;background:rgba(245,158,11,.14);color:#FEF3C7;border:1px solid rgba(245,158,11,.30);padding:5px 13px;border-radius:var(--r24);font-size:12.5px;font-weight:600;margin-bottom:22px}
.hero h1{color:var(--chalk);margin-bottom:22px;font-size:clamp(36px,5.5vw,66px)}
.hero-desc{font-size:17px;color:rgba(250,250,249,.68);margin-bottom:32px;max-width:510px;line-height:1.75;font-family:var(--font)}
.hero-btns{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:36px}
.trust-chips{display:flex;flex-wrap:wrap;gap:10px}
.trust-chip{display:flex;align-items:center;gap:5px;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.09);border-radius:var(--r24);padding:5px 12px;font-size:12.5px;color:rgba(255,255,255,.65);font-weight:500}
.chip-dot{width:7px;height:7px;border-radius:50%;background:var(--emerald);flex-shrink:0}

/* ── CARD MOCKUP ── */
.card-scene{width:100%;display:flex;flex-direction:column;align-items:center}
.card-wrap{width:360px;height:228px;max-width:100%;animation:card-float 5s ease-in-out infinite;filter:drop-shadow(-18px 28px 36px rgba(0,0,0,.55)) drop-shadow(0 0 40px rgba(245,158,11,.20))}
.card-body{width:100%;height:100%;border-radius:20px;position:relative;overflow:hidden;background:linear-gradient(135deg,#0A1E3D 0%,#0D2650 48%,#163A72 78%,#1A4280 100%);transform:rotateX(4deg) rotateY(-14deg)}
.card-shine{position:absolute;inset:0;border-radius:20px;background:linear-gradient(135deg,rgba(245,158,11,.15) 0%,transparent 38%,rgba(255,255,255,.05) 58%,transparent 100%)}
.card-chip{position:absolute;top:26px;left:26px;width:46px;height:34px;background:linear-gradient(135deg,#FFD700,#C8A000,#FFD700);border-radius:7px}
.card-chip::before{content:'';position:absolute;top:50%;left:0;right:0;height:1px;background:rgba(0,0,0,.22);transform:translateY(-7px)}
.card-chip::after{content:'';position:absolute;top:50%;left:0;right:0;height:1px;background:rgba(0,0,0,.22);transform:translateY(7px)}
.card-brand{position:absolute;top:24px;right:24px;font-size:12px;font-weight:900;letter-spacing:.13em;color:rgba(255,255,255,.95);font-family:var(--font)}
.card-number{position:absolute;bottom:68px;left:26px;right:26px;font-size:19px;letter-spacing:5px;color:rgba(255,255,255,.88);font-weight:600;font-variant-numeric:tabular-nums}
.card-footer{position:absolute;bottom:24px;left:26px;right:26px;display:flex;justify-content:space-between;align-items:flex-end}
.card-holder-label{font-size:8px;color:rgba(255,255,255,.50);letter-spacing:.12em;text-transform:uppercase}
.card-holder-name{font-size:13px;color:rgba(255,255,255,.86);font-weight:600;letter-spacing:.04em;margin-top:2px}
.mc{display:flex;align-items:center}
.mc-c{width:32px;height:32px;border-radius:50%}
.mc-c:first-child{background:#EB001B;margin-right:-10px}
.mc-c:last-child{background:#F79E1B;opacity:.9}
.float-badges{display:flex;gap:10px;flex-wrap:wrap;margin-top:20px;justify-content:center}
.float-badge{background:rgba(245,158,11,.10);border:1px solid rgba(245,158,11,.25);border-radius:var(--r24);padding:7px 14px;font-size:12.5px;font-weight:600;color:rgba(250,250,249,.85);display:flex;align-items:center;gap:6px}
.fb-dot{width:7px;height:7px;border-radius:50%;background:var(--emerald);flex-shrink:0}
@keyframes card-float{0%,100%{transform:translateY(0)}50%{transform:translateY(-16px)}}

/* ── QUICK STATS ── */
.quick-stats{background:var(--navy-c);border-bottom:1px solid rgba(245,158,11,.15);padding:18px 0}
.stats-row{display:flex;flex-wrap:wrap;justify-content:space-around;gap:16px}
.stat-cell{text-align:center}
.stat-val{font-size:20px;font-weight:700;color:var(--chalk);display:block;font-family:var(--font)}
.stat-val.blue{color:var(--gold)}
.stat-lbl{font-size:11.5px;color:rgba(250,250,249,.50);font-weight:500;text-transform:uppercase;letter-spacing:.04em}

/* ── SECTIONS ── */
.section{padding:var(--sec) 0;background:var(--cream)}
.section-dark{background:var(--ink)}
.section-cloud{background:var(--cloud)}
.sec-tag{display:inline-block;font-size:11.5px;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--cobalt);margin-bottom:12px}
.sec-intro{max-width:600px}
.sec-intro p{font-size:17px;color:var(--steel);margin-top:10px;line-height:1.75}

/* ── REVIEW META ── */
.review-meta{display:flex;align-items:center;gap:14px;padding:18px 22px;background:var(--cloud);border-radius:var(--r16);margin:28px 0;width:fit-content;border:1px solid rgba(217,119,6,.15)}
.av-circle{width:54px;height:54px;border-radius:50%;background:linear-gradient(135deg,var(--gold),var(--cobalt2));display:flex;align-items:center;justify-content:center;font-size:18px;font-weight:800;color:#1A0A00;flex-shrink:0;font-family:var(--font)}
.rvm-name{font-weight:700;font-size:15px;color:var(--text)}
.rvm-cred{font-size:12.5px;color:var(--steel)}
.rvm-date{font-size:12px;color:var(--steel);margin-top:2px}

/* ── PROS CONS ── */
.pros-cons{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin:28px 0}
.pros-box{padding:26px;border-radius:var(--r16);background:rgba(16,185,122,.06);border:1.5px solid rgba(16,185,122,.20)}
.cons-box{padding:26px;border-radius:var(--r16);background:rgba(232,48,58,.04);border:1.5px solid rgba(232,48,58,.14)}
.pros-box h3{color:var(--emerald);font-size:15px;font-weight:700;margin-bottom:14px;font-family:var(--font);font-style:normal}
.cons-box h3{color:var(--scarlet);font-size:15px;font-weight:700;margin-bottom:14px;font-family:var(--font);font-style:normal}
.pros-box li,.cons-box li{list-style:none;padding:5px 0 5px 20px;font-size:13.5px;border-bottom:1px solid rgba(0,0,0,.06);position:relative;color:var(--text)}
.pros-box li:last-child,.cons-box li:last-child{border-bottom:none}
.pros-box li::before{content:'✓';position:absolute;left:0;color:var(--emerald);font-weight:700}
.cons-box li::before{content:'✗';position:absolute;left:0;color:var(--scarlet);font-weight:700}

/* ── REVIEW BODY ── */
.review-body{max-width:780px;margin-left:auto;margin-right:auto}
.review-body p{font-size:16px;line-height:1.85;margin-bottom:18px;color:var(--text)}
.review-body h3{font-size:22px;margin:36px 0 12px}
.review-body ul{padding-left:22px;margin-bottom:18px}
.review-body li{margin-bottom:8px;font-size:16px;line-height:1.7;color:var(--text)}

/* ── CALLOUT ── */
.callout{background:rgba(217,119,6,.06);border-left:4px solid var(--gold);border-radius:0 var(--r8) var(--r8) 0;padding:18px 22px;margin:22px 0}
.callout p{margin:0;font-size:15px;color:var(--text)}

/* ── BENEFITS ── */
.benefits-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:44px}
.benefit-item{padding:26px;background:var(--chalk);border-radius:var(--r16);border:1.5px solid rgba(217,119,6,.15);transition:box-shadow var(--tr),transform var(--tr)}
.benefit-item:hover{box-shadow:var(--sh2);transform:translateY(-3px)}
.benefit-icon{width:50px;height:50px;border-radius:12px;background:rgba(245,158,11,.10);display:flex;align-items:center;justify-content:center;margin-bottom:16px;font-size:22px}
.benefit-item h4{font-size:16px;font-weight:700;margin-bottom:7px;color:var(--text)}
.benefit-item p{font-size:13.5px;color:var(--steel);line-height:1.65}

/* ── STEPS ── */
.steps-row{display:grid;grid-template-columns:repeat(3,1fr);gap:0;margin-top:44px;position:relative}
.steps-row::before{content:'';position:absolute;top:31px;left:calc(100%/6);right:calc(100%/6);height:2px;background:linear-gradient(90deg,var(--gold),var(--cobalt));z-index:0}
.step-item{text-align:center;padding:0 22px;position:relative;z-index:1}
.step-num{width:62px;height:62px;border-radius:50%;background:var(--gold);color:#1A0A00;font-size:22px;font-weight:800;display:flex;align-items:center;justify-content:center;margin:0 auto 18px;border:4px solid var(--cream);box-shadow:0 0 0 3px var(--gold);font-family:var(--font)}
.step-item h4{font-size:17px;margin-bottom:8px;color:var(--text)}
.step-item p{font-size:13.5px;color:var(--steel);line-height:1.65}

/* ── EXPERTS ── */
.experts-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:44px}
.expert-card{background:var(--chalk);border-radius:var(--r16);padding:30px;border:1.5px solid rgba(217,119,6,.15);text-align:center}
.expert-photo{width:90px;height:90px;border-radius:50%;margin:0 auto 14px;background:linear-gradient(135deg,var(--gold),var(--cobalt2));display:flex;align-items:center;justify-content:center;font-size:28px;font-weight:800;color:#1A0A00;font-family:var(--font)}
.expert-cred-badge{display:inline-block;background:rgba(217,119,6,.10);color:var(--cobalt2);border-radius:var(--r24);padding:3px 11px;font-size:11.5px;font-weight:700;margin-bottom:10px}
.expert-card h4{font-size:17px;margin-bottom:5px;color:var(--text)}
.expert-role{font-size:12.5px;color:var(--steel);margin-bottom:10px}
.expert-card p{font-size:13px;color:var(--steel);line-height:1.65}
.pexels-note{font-size:10px;color:#C0B8A0;margin-top:8px;font-style:italic}

/* ── BIG STATS ── */
.big-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;text-align:center;margin-top:44px}
.big-stat .num{font-size:clamp(36px,4.5vw,56px);font-weight:400;color:var(--chalk);line-height:1;font-family:var(--fhead);font-style:italic}
.big-stat .num.amber{color:var(--gold)}
.big-stat .lbl{font-size:13.5px;color:rgba(250,250,249,.50);margin-top:8px}

/* ── COMPARISON TABLE ── */
.compare-wrap{overflow-x:auto;margin-top:44px;border-radius:var(--r16);box-shadow:var(--sh)}
.compare-table{width:100%;border-collapse:collapse;font-size:13.5px}
.compare-table th{padding:15px 18px;background:var(--navy-d);color:var(--chalk);font-weight:700;text-align:left;font-size:14px}
.compare-table th.hl{background:var(--gold);color:#1A0A00}
.compare-table td{padding:13px 18px;border-bottom:1px solid rgba(217,119,6,.12);vertical-align:top;color:var(--text)}
.compare-table td.hl{background:rgba(245,158,11,.04);font-weight:600}
.compare-table tr:hover td{background:var(--cloud)}
.compare-table tr:hover td.hl{background:rgba(245,158,11,.08)}
.compare-table .feat{font-weight:600}
.yes{color:var(--emerald);font-weight:700}
.no{color:var(--scarlet);font-weight:700}
.best-badge{display:inline-block;background:var(--gold);color:#1A0A00;border-radius:var(--r24);padding:2px 8px;font-size:10.5px;font-weight:700;margin-left:5px;vertical-align:middle}

/* ── REVIEWS ── */
.reviews-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;margin-top:44px}
.review-card{background:var(--chalk);border-radius:var(--r16);padding:26px;border:1.5px solid rgba(217,119,6,.12)}
.stars{color:var(--gold);font-size:17px;letter-spacing:2px;margin-bottom:12px}
.review-text{font-size:14.5px;line-height:1.75;margin-bottom:18px;color:var(--text)}
.reviewer{display:flex;align-items:center;gap:12px;padding-top:14px;border-top:1px solid rgba(217,119,6,.12)}
.reviewer-av{width:42px;height:42px;border-radius:50%;background:linear-gradient(135deg,#FEF3C7,#FDE68A);display:flex;align-items:center;justify-content:center;font-weight:800;color:#92400E;font-size:14px;flex-shrink:0}
.reviewer-name{font-weight:700;font-size:14px;color:var(--text)}
.reviewer-loc{font-size:11.5px;color:var(--steel)}
.reviewer-date{font-size:11px;color:var(--steel);margin-top:1px}

/* ── FAQ ── */
.faq-list{margin-top:44px}
.faq-item{border-bottom:1px solid rgba(217,119,6,.12);overflow:hidden}
.faq-q{width:100%;text-align:left;padding:20px 0;display:flex;justify-content:space-between;align-items:center;background:none;border:none;cursor:pointer;font-family:var(--font);font-size:16px;font-weight:600;color:var(--text)}
.faq-icon{width:22px;height:22px;background:rgba(245,158,11,.10);border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-left:14px;transition:transform var(--tr);font-size:14px;color:var(--cobalt);font-weight:700}
.faq-item.open .faq-icon{transform:rotate(45deg)}
.faq-ans{max-height:0;overflow:hidden;transition:max-height .35s ease}
.faq-ans-inner{padding:0 0 20px;font-size:15px;color:var(--steel);line-height:1.8;max-width:740px}
.faq-item.open .faq-ans{max-height:500px}

/* ── CTA SECTION ── */
.cta-section{text-align:center;padding:80px 0;background:var(--ink);position:relative;overflow:hidden}
.cta-section::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 60% 60% at 50% 50%,rgba(245,158,11,.12) 0%,transparent 70%);pointer-events:none}
.cta-section h2{color:var(--chalk);margin-bottom:14px}
.cta-section p{color:rgba(250,250,249,.70);font-size:17px;margin-bottom:32px;max-width:540px;margin-left:auto;margin-right:auto}
.cta-note{font-size:12.5px;color:rgba(250,250,249,.40);margin-top:14px}

/* ── FOOTER ── */
.footer{background:var(--navy-d);padding:56px 0 28px;color:rgba(255,255,255,.60)}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:36px;padding-bottom:44px;border-bottom:1px solid rgba(245,158,11,.10)}
.footer-brand p{font-size:13.5px;line-height:1.75;margin-top:12px;max-width:268px}
.footer h5{color:var(--chalk);font-size:13.5px;font-weight:700;margin-bottom:14px}
.footer-nav{list-style:none;display:flex;flex-direction:column;gap:9px}
.footer-nav a{font-size:13.5px;color:rgba(255,255,255,.50);text-decoration:none;transition:color var(--tr)}
.footer-nav a:hover{color:var(--gold)}
.footer-bottom{padding-top:24px;font-size:11.5px;color:rgba(255,255,255,.30);line-height:1.85}
.footer-bottom a{color:rgba(255,255,255,.40)}
.footer-logo{color:var(--chalk)!important}

/* ── BLOG ── */
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:44px}
.blog-card{background:var(--chalk);border-radius:var(--r16);overflow:hidden;border:1.5px solid rgba(217,119,6,.12);transition:box-shadow var(--tr),transform var(--tr)}
.blog-card:hover{box-shadow:var(--sh2);transform:translateY(-3px)}
.blog-thumb{height:160px;display:flex;align-items:center;justify-content:center;font-size:38px}
.blog-body{padding:22px}
.blog-cat{font-size:10.5px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--cobalt);margin-bottom:8px}
.blog-card h3{font-size:17px;line-height:1.38;margin-bottom:9px}
.blog-card h3 a{color:var(--text);text-decoration:none}
.blog-card h3 a:hover{color:var(--cobalt)}
.blog-card p{font-size:13.5px;color:var(--steel);line-height:1.65;margin-bottom:14px}
.blog-meta-row{font-size:11.5px;color:var(--steel);display:flex;align-items:center;gap:8px}
.read-link{color:var(--cobalt);font-size:13.5px;font-weight:600;text-decoration:none}
.read-link:hover{text-decoration:underline}

/* ── ARTICLE ── */
.article-hero{background:var(--ink);padding:60px 0 44px}
.article-hero-inner{max-width:840px}
.a-eyebrow{font-size:11.5px;font-weight:700;text-transform:uppercase;letter-spacing:.07em;color:var(--gold);margin-bottom:14px}
.article-hero h1{color:var(--chalk);margin-bottom:18px;font-size:clamp(26px,3.8vw,46px)}
.article-hero .lead{color:rgba(250,250,249,.65);font-size:17px;max-width:660px;line-height:1.75;font-family:var(--font)}
.article-meta{display:flex;align-items:center;gap:14px;margin-top:26px;padding-top:22px;border-top:1px solid rgba(245,158,11,.15)}
.av-sm{width:42px;height:42px;border-radius:50%;background:linear-gradient(135deg,var(--gold),var(--cobalt2));display:flex;align-items:center;justify-content:center;font-weight:800;color:#1A0A00;font-size:14px;flex-shrink:0;font-family:var(--font)}
.a-meta-info{font-size:12.5px;color:rgba(250,250,249,.50)}
.a-meta-info strong{color:rgba(250,250,249,.80);font-weight:600}
.article-content{padding:56px 0;background:var(--cream)}
.article-layout{display:grid;grid-template-columns:1fr 280px;gap:48px}
.article-body h2{font-size:26px;margin:36px 0 14px}
.article-body h3{font-size:21px;margin:28px 0 10px}
.article-body p{margin-bottom:18px;font-size:16px;line-height:1.85;color:var(--text)}
.article-body ul,.article-body ol{padding-left:22px;margin-bottom:18px}
.article-body li{margin-bottom:9px;font-size:16px;line-height:1.72;color:var(--text)}
.article-body strong{font-weight:700}
.article-body a{color:var(--cobalt)}
.sidebar-box{background:var(--cloud);border-radius:var(--r16);padding:22px;margin-bottom:20px;position:sticky;top:90px;border:1px solid rgba(217,119,6,.15)}
.sidebar-box h4{font-size:14px;margin-bottom:12px;color:var(--text)}
.sidebar-nav{list-style:none}
.sidebar-nav li{padding:6px 0;border-bottom:1px solid rgba(217,119,6,.12);font-size:13px}
.sidebar-nav li:last-child{border-bottom:none}
.sidebar-nav a{color:var(--cobalt);text-decoration:none}
.sidebar-nav a:hover{text-decoration:underline}

/* ── PAGE HERO ── */
.page-hero{background:var(--ink);padding:56px 0 44px}
.page-hero h1{color:var(--chalk);font-size:clamp(28px,3.5vw,48px);margin-bottom:14px}
.page-hero p{color:rgba(250,250,249,.62);font-size:17px;max-width:580px;font-family:var(--font)}

/* ── RATING ── */
.overall-rating{display:flex;align-items:center;gap:16px;background:var(--cloud);border-radius:var(--r16);padding:22px;margin:28px 0;border:1px solid rgba(217,119,6,.15)}
.rating-num{font-size:56px;font-weight:400;color:var(--gold);line-height:1;flex-shrink:0;font-family:var(--fhead);font-style:italic}
.rating-stars{color:var(--gold);font-size:22px}
.rating-label{font-size:14px;color:var(--steel);margin-top:3px}

/* ── BREADCRUMB ── */
.breadcrumb{padding:12px 0;font-size:12.5px;color:var(--steel);display:flex;gap:5px;align-items:center;flex-wrap:wrap}
.breadcrumb a{color:var(--steel);text-decoration:none}
.breadcrumb a:hover{color:var(--cobalt)}
.breadcrumb .sep{opacity:.4}

/* ── MISC ── */
.divider{height:1px;background:rgba(217,119,6,.12);margin:44px 0}
.text-center{text-align:center}
.mt-16{margin-top:16px}
.mt-24{margin-top:24px}
.mt-32{margin-top:32px}
.mt-48{margin-top:48px}
.inline-table-wrap{overflow-x:auto;margin:22px 0}
.inline-table{width:100%;border-collapse:collapse;font-size:14px}
.inline-table th{background:var(--cloud);padding:11px 15px;text-align:left;font-weight:700;border-bottom:2px solid rgba(217,119,6,.20);color:var(--text)}
.inline-table td{padding:11px 15px;border-bottom:1px solid rgba(217,119,6,.10);vertical-align:top;color:var(--text)}

/* ── ABOUT ── */
.methodology-list{list-style:none;margin-top:24px}
.methodology-list li{padding:14px 0 14px 28px;border-bottom:1px solid rgba(217,119,6,.12);position:relative;font-size:15px;line-height:1.7;color:var(--text)}
.methodology-list li:last-child{border-bottom:none}
.methodology-list li::before{content:'';position:absolute;left:0;top:22px;width:10px;height:10px;border-radius:50%;background:var(--gold)}

/* ── GUIDE SECTIONS ── */
.guide-grid{display:grid;grid-template-columns:1fr 260px;gap:32px;align-items:start}
.guide-callout{background:var(--navy-c);border-radius:var(--r16);padding:24px;color:var(--chalk)}
.guide-callout-title{font-size:10.5px;text-transform:uppercase;letter-spacing:.07em;color:#FAFAF9!important;margin-bottom:14px;font-weight:600}
.guide-callout-num{font-size:38px;font-family:var(--fhead);font-style:italic;color:var(--gold)!important;line-height:1;margin-bottom:4px}
.guide-callout-sub{font-size:11.5px;color:#FAFAF9!important;margin-bottom:18px}
.guide-callout ul{list-style:none}
.guide-callout li{padding:7px 0;border-bottom:1px solid rgba(245,158,11,.14);font-size:13px;color:#FAFAF9!important}
.guide-callout li:last-child{border-bottom:none}
.guide-block{margin-bottom:48px;padding-bottom:48px;border-bottom:1px solid rgba(217,119,6,.12)}
.guide-block:last-child{border-bottom:none;margin-bottom:0;padding-bottom:0}
.guide-block h3{margin-bottom:14px;color:var(--text)}
.guide-block p{font-size:16px;line-height:1.85;margin-bottom:16px;color:var(--text)}
.guide-block p:last-child{margin-bottom:0}
.guide-block ul,.guide-block ol{padding-left:22px;margin-bottom:16px}
.guide-block li{font-size:15px;line-height:1.75;margin-bottom:8px;color:var(--text)}
.guide-highlight{background:rgba(245,158,11,.07);border-left:4px solid var(--gold);border-radius:0 var(--r8) var(--r8) 0;padding:16px 20px;margin:20px 0}
.guide-highlight p{margin:0;font-size:15px;color:var(--text);line-height:1.7}
.guide-fee-row{display:flex;justify-content:space-between;align-items:center;padding:11px 0;border-bottom:1px solid rgba(217,119,6,.10);font-size:14px}
.guide-fee-row:last-child{border-bottom:none}
.guide-fee-label{font-weight:600;color:var(--text)}
.guide-fee-val{color:var(--cobalt);font-weight:700}
.guide-tag-wrap{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}
.guide-tag{background:rgba(245,158,11,.10);color:var(--cobalt2);border:1px solid rgba(217,119,6,.20);border-radius:var(--r24);padding:5px 14px;font-size:13px;font-weight:600}
@media(max-width:768px){.guide-grid{grid-template-columns:1fr}}

/* ── APIFLAG FORM CARD ── */
.apiflag-card{background:var(--chalk);border-radius:var(--r16);overflow:hidden;box-shadow:0 24px 64px rgba(0,0,0,.50),0 0 0 1px rgba(245,158,11,.12)}
.apiflag-hd{background:var(--gold);padding:22px 28px 18px}
.apiflag-hd h3{color:#1A0A00;font-size:19px;font-weight:700;margin-bottom:5px;line-height:1.3;font-family:var(--fhead);font-style:italic}
.apiflag-hd p{color:rgba(26,10,0,.65);font-size:13px;line-height:1.5}
.apiflag-pills{display:flex;gap:8px;margin-top:12px;flex-wrap:wrap}
.apiflag-pill{font-size:11px;color:rgba(26,10,0,.75);background:rgba(26,10,0,.10);border-radius:20px;padding:3px 10px;white-space:nowrap}
.apiflag-body{padding:20px 28px 4px}
#_lg_form_{display:block !important;min-height:80px;width:100%}
.apiflag-foot{font-size:10.5px;color:var(--steel);padding:10px 28px 16px;line-height:1.65;border-top:1px solid rgba(217,119,6,.12);margin-top:8px}
.apiflag-foot a{color:var(--steel);text-decoration:underline}
.hero .hero-inner{grid-template-columns:1fr 460px}

/* ── ONEMAIN EXPLAINER SECTION ── */
.section[style*="padding:40px"]{background:var(--cloud)}

/* ── MEDIA QUERIES ── */
@media(max-width:1100px){
  .hero-inner,.hero .hero-inner{grid-template-columns:1fr}
  .card-wrap{width:300px;height:190px;margin:0 auto}
  .hero-desc,.hero h1{margin-left:auto;margin-right:auto;text-align:center}
  .hero-btns{justify-content:center}
  .trust-chips{justify-content:center}
  .float-badges{justify-content:center}
  .big-stats{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
  .article-layout{grid-template-columns:1fr}
  .sidebar-box{position:static}
}
@media(max-width:768px){
  :root{--sec:52px}
  .nav-links,.nav-cta{display:none}
  .nav-toggle{display:flex}
  .nav-links.open{display:flex;flex-direction:column;position:absolute;top:68px;left:0;right:0;background:var(--navy-d);padding:14px 20px 20px;border-bottom:1px solid rgba(245,158,11,.10);z-index:999}
  .pros-cons{grid-template-columns:1fr}
  .benefits-grid{grid-template-columns:1fr 1fr}
  .steps-row{grid-template-columns:1fr}
  .steps-row::before{display:none}
  .experts-grid,.reviews-grid{grid-template-columns:1fr}
  .blog-grid{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr}
  .overall-rating{flex-direction:column;text-align:center}
  .apiflag-hd{padding:18px 20px 14px}
  .apiflag-body{padding:16px 20px 4px}
  .apiflag-foot{padding:8px 20px 14px}
}
@media(max-width:480px){
  .benefits-grid,.blog-grid{grid-template-columns:1fr}
  .big-stats{grid-template-columns:repeat(2,1fr)}
  .card-wrap{width:268px;height:170px}
  .compare-table{font-size:12px}
  .compare-table th,.compare-table td{padding:9px 11px}
  .reviews-grid{grid-template-columns:1fr}
  .hero-btns{flex-direction:column;align-items:center}
}
@media(prefers-reduced-motion:reduce){
  .card-wrap{animation:none}
  *{transition:none !important}
}

/* ── E-E-A-T ENHANCEMENTS ────────────────────────────────────── */
.trust-bar{background:#030A18;border-bottom:1px solid rgba(245,158,11,.15);padding:8px 0}
.trust-bar-inner{display:flex;flex-wrap:wrap;justify-content:center;gap:20px 32px;font-size:12px;color:rgba(250,250,249,.65)}
.trust-item{display:flex;align-items:center;gap:6px}
.trust-item-dot{width:6px;height:6px;border-radius:50%;background:var(--emerald);flex-shrink:0}
.trust-item a{color:rgba(250,250,249,.55);text-decoration:underline}

.expert-verdict-wrap{background:var(--cream);padding:var(--sec) 0}
.expert-verdict-card{background:#FFFFFF;border-radius:20px;border:2px solid rgba(245,158,11,.25);padding:36px;display:grid;grid-template-columns:auto 1fr;gap:32px;align-items:start;max-width:900px;margin:0 auto 48px}
.ev-photo-wrap{text-align:center;flex-shrink:0}
.ev-photo{width:110px;height:110px;border-radius:50%;object-fit:cover;border:3px solid var(--gold);margin-bottom:10px;display:block}
.ev-cred-badge{display:inline-block;background:var(--gold);color:#1A0A00;font-size:11px;font-weight:700;padding:3px 10px;border-radius:20px;margin-bottom:6px}
.ev-expert-name{font-size:14px;font-weight:700;color:var(--text);margin-bottom:2px}
.ev-expert-title{font-size:11.5px;color:var(--steel);margin-bottom:4px}
.ev-years{font-size:11px;color:var(--cobalt);font-weight:600}
.ev-content h3{font-size:22px;margin-bottom:12px;color:var(--text)}
.ev-stars{color:var(--gold);font-size:22px;letter-spacing:2px;margin-bottom:14px}
.ev-rating-label{font-size:13px;color:var(--steel);margin-left:8px;font-family:var(--font);font-style:normal}
.ev-verdict{font-size:15px;line-height:1.8;color:var(--text);margin-bottom:18px}
.ev-points{list-style:none;margin-bottom:20px}
.ev-points li{padding:7px 0 7px 22px;position:relative;font-size:14px;color:var(--text);border-bottom:1px solid rgba(217,119,6,.10)}
.ev-points li:last-child{border-bottom:none}
.ev-points li::before{content:'✓';position:absolute;left:0;color:var(--emerald);font-weight:700}
.ev-meta{font-size:12px;color:var(--steel);display:flex;gap:16px;flex-wrap:wrap;align-items:center;padding-top:16px;border-top:1px solid rgba(217,119,6,.12)}
.ev-meta a{color:var(--cobalt)}

.experts-enhanced{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:0}
.expert-card-v2{background:#FFFFFF;border-radius:var(--r16);padding:28px 24px;border:1.5px solid rgba(217,119,6,.15);text-align:center;transition:box-shadow var(--tr)}
.expert-card-v2:hover{box-shadow:var(--sh2)}
.expert-photo-v2{width:96px;height:96px;border-radius:50%;object-fit:cover;margin:0 auto 14px;display:block;border:2.5px solid var(--gold)}
.expert-card-v2 .cred-pill{display:inline-block;background:rgba(217,119,6,.10);color:var(--cobalt2);border-radius:20px;padding:3px 12px;font-size:11.5px;font-weight:700;margin-bottom:10px}
.expert-card-v2 h4{font-size:17px;margin-bottom:4px;color:var(--text)}
.expert-card-v2 .exp-role{font-size:12.5px;color:var(--steel);margin-bottom:8px}
.expert-card-v2 .exp-years{font-size:12px;color:var(--cobalt);font-weight:600;margin-bottom:10px}
.expert-card-v2 p{font-size:13px;color:var(--steel);line-height:1.65}
.expert-card-v2 .pexels-note{font-size:10px;color:#C0B8A0;margin-top:8px;font-style:italic}

.authority-bar{background:var(--navy-c);padding:20px 0}
.authority-inner{display:flex;flex-wrap:wrap;justify-content:center;gap:16px 40px;align-items:center}
.authority-item{display:flex;align-items:center;gap:8px;font-size:13px;color:rgba(250,250,249,.65)}
.authority-item i{font-size:16px;color:var(--gold)}
.authority-item a{color:rgba(250,250,249,.55);text-decoration:underline}

.cite-note{font-size:12px;color:var(--steel);background:var(--cloud);border-radius:var(--r8);padding:12px 16px;margin:16px 0;display:flex;align-items:flex-start;gap:8px}
.cite-note a{color:var(--cobalt)}

@media(max-width:768px){
  .expert-verdict-card{grid-template-columns:1fr;text-align:center}
  .ev-photo{margin:0 auto 10px}
  .experts-enhanced{grid-template-columns:1fr}
  .trust-bar-inner{justify-content:flex-start}
  .authority-inner{justify-content:flex-start}
}

/* ── BLOG FEATURED IMAGE ─────────────────────────────── */
.blog-featured-img{width:100%;max-height:420px;object-fit:cover;border-radius:var(--r16);margin:20px 0 32px;display:block}

/* ── RESPONSIVE IMPROVEMENTS ────────────────────────────────────────── */

/* Trust bar: hide on small mobile (saves ~200px on hero entry) */
@media(max-width:640px){
  .trust-bar{display:none}
}

/* Authority bar: hide on mobile */
@media(max-width:640px){
  .authority-bar{display:none}
}

/* Experts enhanced: 2-column at tablet */
@media(max-width:1024px){
  .experts-enhanced{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:560px){
  .experts-enhanced{grid-template-columns:1fr}
}

/* Expert verdict card: better mobile */
@media(max-width:560px){
  .expert-verdict-card{padding:22px 16px;gap:20px}
  .ev-meta{flex-direction:column;gap:6px}
  .ev-content h3{font-size:18px}
}

/* Blog grid: override inline style at all breakpoints */
@media(max-width:960px){
  .blog-grid{grid-template-columns:repeat(2,1fr)!important}
}
@media(max-width:540px){
  .blog-grid{grid-template-columns:1fr!important}
}

/* Reviews grid: override inline repeat(2,1fr) on mobile */
@media(max-width:640px){
  .reviews-grid{grid-template-columns:1fr!important}
}

/* Guide grid: go 1-column at 900px (2-col with 260px callout is tight at tablet) */
@media(max-width:900px){
  .guide-grid{grid-template-columns:1fr}
  .guide-callout{margin-top:16px}
}

/* Guide blocks: tighter mobile */
@media(max-width:640px){
  .guide-block{margin-bottom:32px;padding-bottom:32px}
}

/* Blog featured image: smaller on mobile */
@media(max-width:480px){
  .blog-featured-img{max-height:200px;border-radius:10px}
}

/* Callout boxes: full width on mobile */
@media(max-width:640px){
  .guide-callout{padding:18px}
  .guide-callout-num{font-size:32px}
}

/* Section padding: tighter on small mobile */
@media(max-width:480px){
  :root{--sec:36px}
}

/* Footer: 2-col at 768-1100px */
@media(max-width:1100px){
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:640px){
  .footer-grid{grid-template-columns:1fr}
}

/* Nav logo: smaller at 1024px */
@media(max-width:1024px){
  .nav-logo{font-size:16px}
}

/* Trust chips: wrap nicely at tablet */
@media(max-width:900px){
  .trust-chips{gap:8px}
}

/* Inline tables: scroll on mobile */
@media(max-width:640px){
  .inline-table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
  .inline-table{min-width:480px}
}

/* Compare table: scroll on mobile */
@media(max-width:768px){
  .compare-table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
  .compare-table{min-width:700px}
}