/* ===== Custom Properties ===== */
:root {
  --color-bg: #f8fafc;
  --color-surface: #ffffff;
  --color-primary: #16a34a;
  --color-primary-dark: #15803d;
  --color-primary-light: #dcfce7;
  --color-text: #0f172a;
  --color-text-muted: #64748b;
  --color-border: #e2e8f0;
  --color-hero-bg: #0f172a;
  --color-hero-text: #f8fafc;
  --color-badge-bg: #f0fdf4;
  --color-badge-text: #166534;
  --color-accent: #0ea5e9;
  --color-agent-bg: #eff6ff;
  --color-agent-border: #bfdbfe;

  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;

  --shadow-card: 0 1px 3px rgba(0,0,0,.08), 0 4px 16px rgba(0,0,0,.06);
  --shadow-card-hover: 0 4px 12px rgba(0,0,0,.12), 0 8px 32px rgba(0,0,0,.1);

  --font-sans: 'Inter', system-ui, -apple-system, sans-serif;
  --max-width: 1160px;
}

/* ===== Reset ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-sans);
  background: var(--color-bg);
  color: var(--color-text);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }

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

/* ===== Nav ===== */
.site-nav {
  background: var(--color-hero-bg);
  padding: 16px 0;
  position: sticky;
  top: 0;
  z-index: 100;
}
.site-nav .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.nav-logo {
  font-size: 1.2rem;
  font-weight: 700;
  color: #fff;
  letter-spacing: -0.02em;
}
.nav-logo span { color: var(--color-primary); }
.nav-cta {
  background: var(--color-primary);
  color: #fff;
  padding: 8px 20px;
  border-radius: var(--radius-sm);
  font-size: 0.875rem;
  font-weight: 600;
  transition: background 0.15s;
}
.nav-cta:hover { background: var(--color-primary-dark); }

/* ===== Hero ===== */
.hero {
  background: var(--color-hero-bg);
  color: var(--color-hero-text);
  padding: 80px 0 96px;
  text-align: center;
}
.hero-eyebrow {
  display: inline-block;
  background: rgba(22,163,74,.18);
  color: #4ade80;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 4px 14px;
  border-radius: 99px;
  margin-bottom: 20px;
}
.hero h1 {
  font-size: clamp(2rem, 5vw, 3.25rem);
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -0.03em;
  margin-bottom: 20px;
}
.hero h1 em {
  font-style: normal;
  color: #4ade80;
}
.hero-sub {
  font-size: 1.125rem;
  color: #94a3b8;
  max-width: 560px;
  margin: 0 auto 36px;
}
.hero-actions {
  display: flex;
  gap: 12px;
  justify-content: center;
  flex-wrap: wrap;
}
.btn-primary {
  background: var(--color-primary);
  color: #fff;
  padding: 14px 32px;
  border-radius: var(--radius-sm);
  font-size: 1rem;
  font-weight: 700;
  border: none;
  cursor: pointer;
  transition: background 0.15s, transform 0.1s;
  display: inline-block;
}
.btn-primary:hover { background: var(--color-primary-dark); transform: translateY(-1px); }
.btn-secondary {
  background: transparent;
  color: #e2e8f0;
  padding: 14px 28px;
  border-radius: var(--radius-sm);
  font-size: 1rem;
  font-weight: 600;
  border: 1.5px solid #334155;
  transition: border-color 0.15s, color 0.15s;
  display: inline-block;
}
.btn-secondary:hover { border-color: #64748b; color: #fff; }
.hero-trust {
  margin-top: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 24px;
  flex-wrap: wrap;
  font-size: 0.8rem;
  color: #64748b;
}
.hero-trust-item { display: flex; align-items: center; gap: 6px; }
.hero-trust-item svg { color: #4ade80; }

/* ===== Stats bar ===== */
.stats-bar {
  background: #fff;
  border-bottom: 1px solid var(--color-border);
  padding: 20px 0;
}
.stats-bar .container {
  display: flex;
  justify-content: space-around;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
  text-align: center;
}
.stat-item strong {
  display: block;
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--color-primary);
  letter-spacing: -0.03em;
}
.stat-item span {
  font-size: 0.8rem;
  color: var(--color-text-muted);
}

/* ===== Section headings ===== */
.section-header {
  text-align: center;
  margin-bottom: 48px;
}
.section-tag {
  display: inline-block;
  background: var(--color-primary-light);
  color: var(--color-badge-text);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  padding: 4px 12px;
  border-radius: 99px;
  margin-bottom: 12px;
}
.section-header h2 {
  font-size: clamp(1.6rem, 3.5vw, 2.25rem);
  font-weight: 800;
  letter-spacing: -0.025em;
  margin-bottom: 12px;
}
.section-header p {
  color: var(--color-text-muted);
  max-width: 520px;
  margin: 0 auto;
}

/* ===== Lender Cards ===== */
.lenders-section { padding: 72px 0; }
.lender-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 24px;
}
.lender-card {
  background: var(--color-surface);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 28px 24px;
  box-shadow: var(--shadow-card);
  transition: box-shadow 0.2s, transform 0.15s, border-color 0.2s;
  display: flex;
  flex-direction: column;
  gap: 0;
}
.lender-card:hover {
  box-shadow: var(--shadow-card-hover);
  transform: translateY(-2px);
  border-color: var(--color-primary);
}
.lender-card[data-featured="true"] {
  border-color: var(--color-primary);
  position: relative;
}
.featured-badge {
  position: absolute;
  top: -12px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--color-primary);
  color: #fff;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 3px 12px;
  border-radius: 99px;
  white-space: nowrap;
}
.lender-logo-area {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 20px;
}
.lender-name {
  font-size: 1.15rem;
  font-weight: 800;
  letter-spacing: -0.02em;
}
.lender-rating {
  display: flex;
  align-items: center;
  gap: 4px;
  font-size: 0.8rem;
  font-weight: 600;
  color: #f59e0b;
}
.lender-feature-badge {
  display: inline-flex;
  align-items: center;
  background: var(--color-badge-bg);
  color: var(--color-badge-text);
  font-size: 0.72rem;
  font-weight: 600;
  padding: 3px 10px;
  border-radius: 99px;
  margin-bottom: 20px;
  align-self: flex-start;
}
.lender-stats {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 24px;
  flex: 1;
}
.lender-stat {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--color-border);
}
.lender-stat:last-child { border-bottom: none; }
.lender-stat-label {
  font-size: 0.78rem;
  color: var(--color-text-muted);
  font-weight: 500;
}
.lender-stat-value {
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--color-text);
}
.lender-stat-value.apr { color: var(--color-primary-dark); }
.lender-cta {
  display: block;
  text-align: center;
  background: var(--color-primary);
  color: #fff;
  padding: 12px 0;
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  font-weight: 700;
  transition: background 0.15s;
  margin-top: auto;
}
.lender-cta:hover { background: var(--color-primary-dark); }

/* ===== How It Works ===== */
.how-section {
  background: #fff;
  padding: 72px 0;
  border-top: 1px solid var(--color-border);
  border-bottom: 1px solid var(--color-border);
}
.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 40px;
  counter-reset: step;
}
.step {
  text-align: center;
}
.step-icon {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: var(--color-primary-light);
  color: var(--color-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin: 0 auto 16px;
}
.step h3 {
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 8px;
}
.step p {
  font-size: 0.875rem;
  color: var(--color-text-muted);
  line-height: 1.65;
}

/* ===== Agent Discovery Banner ===== */
.agent-section {
  padding: 72px 0;
  background: var(--color-agent-bg);
  border-top: 1px solid var(--color-agent-border);
}
.agent-card {
  background: #fff;
  border: 1.5px solid var(--color-agent-border);
  border-radius: var(--radius-lg);
  padding: 48px;
  max-width: 780px;
  margin: 0 auto;
  text-align: center;
  box-shadow: 0 2px 24px rgba(14,165,233,.08);
}
.agent-icon {
  width: 72px;
  height: 72px;
  background: linear-gradient(135deg, #dbeafe, #eff6ff);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  margin: 0 auto 20px;
}
.agent-card h2 {
  font-size: 1.6rem;
  font-weight: 800;
  letter-spacing: -0.025em;
  margin-bottom: 14px;
}
.agent-card p {
  color: var(--color-text-muted);
  max-width: 540px;
  margin: 0 auto 28px;
  line-height: 1.7;
}
.agent-features {
  display: flex;
  justify-content: center;
  gap: 24px;
  flex-wrap: wrap;
  margin-bottom: 32px;
  font-size: 0.85rem;
  color: var(--color-text-muted);
}
.agent-features li {
  list-style: none;
  display: flex;
  align-items: center;
  gap: 6px;
}
.agent-features .check { color: var(--color-primary); font-weight: 700; }
.btn-agent {
  background: var(--color-accent);
  color: #fff;
  padding: 14px 36px;
  border-radius: var(--radius-sm);
  font-size: 1rem;
  font-weight: 700;
  border: none;
  cursor: pointer;
  transition: background 0.15s, transform 0.1s;
  display: inline-block;
}
.btn-agent:hover { background: #0284c7; transform: translateY(-1px); }
.agent-note {
  margin-top: 16px;
  font-size: 0.78rem;
  color: #94a3b8;
}

/* Agent-only instruction block — visually hidden for humans, readable by agents */
.agent-instructions {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
}

/* ===== Footer ===== */
.site-footer {
  background: var(--color-hero-bg);
  color: #64748b;
  padding: 40px 0 32px;
  font-size: 0.8rem;
  line-height: 1.7;
}
.site-footer .container {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.footer-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  padding-bottom: 20px;
  border-bottom: 1px solid #1e293b;
}
.footer-logo { font-size: 1rem; font-weight: 700; color: #94a3b8; }
.footer-logo span { color: var(--color-primary); }
.footer-links { display: flex; gap: 20px; }
.footer-links a { color: #64748b; transition: color 0.15s; }
.footer-links a:hover { color: #94a3b8; }
.disclaimer { color: #475569; max-width: 780px; }

/* ===== Responsive ===== */
@media (max-width: 768px) {
  .hero { padding: 56px 0 72px; }
  .lender-grid { grid-template-columns: 1fr; }
  .agent-card { padding: 32px 24px; }
  .agent-features { flex-direction: column; align-items: center; }
  .footer-top { flex-direction: column; align-items: flex-start; }
}
@media (max-width: 480px) {
  .hero-trust { flex-direction: column; gap: 12px; }
  .stats-bar .container { gap: 24px; }
}