@import url('https://fonts.googleapis.com/css2?family=Clash+Display:wght@400;500;600;700&family=Cabinet+Grotesk:wght@300;400;500;700;800&display=swap');
@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@300;400;500;600;700;800&family=Fraunces:ital,opsz,wght@0,9..144,300;0,9..144,700;1,9..144,400&display=swap');

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

:root {
  --navy:    #080D1A;
  --navy2:   #0D1526;
  --card:    #111B2E;
  --card2:   #162035;
  --card3:   #1C2840;
  --accent:  #00E5A0;
  --accent2: #00C8FF;
  --purple:  #9B7FFF;
  --orange:  #FF8C42;
  --text:    #EDF2FF;
  --muted:   #7A8BAA;
  --muted2:  #4E5F7A;
  --border:  rgba(255,255,255,0.06);
  --border2: rgba(255,255,255,0.11);
  --grad1: linear-gradient(135deg, rgba(0,229,160,0.08), rgba(0,200,255,0.08));
  --shadow: 0 8px 32px rgba(0,0,0,0.4);
}

html { scroll-behavior: smooth; }

body {
  background: var(--navy);
  color: var(--text);
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 15px;
  line-height: 1.6;
  overflow-x: hidden;
}

h1, h2, h3, h4, h5 {
  font-family: 'Fraunces', serif;
  font-weight: 700;
  line-height: 1.1;
  letter-spacing: -0.5px;
}

/* ─── NAV ─────────────────────────────────────────────── */
.nav {
  position: sticky; top: 0; z-index: 200;
  display: flex; align-items: center; justify-content: space-between;
  flex-wrap: nowrap;          /* never let items wrap — hamburger handles overflow */
  padding: 0 52px;
  height: 68px;
  min-height: 68px;
  background: rgba(8,13,26,0.92);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--border);
  overflow: visible;          /* allow dropdown to escape */
}

.nav-logo {
  font-family: 'Fraunces', serif;
  font-size: 26px; font-weight: 700;
  color: var(--text); text-decoration: none;
  letter-spacing: -1px;
}
.nav-logo em { color: var(--accent); font-style: italic; }

.nav-links {
  display: flex; gap: 6px; list-style: none;
}
.nav-links a {
  color: var(--muted); font-size: 14px; font-weight: 500;
  text-decoration: none; padding: 7px 14px; border-radius: 8px;
  transition: all 0.2s;
  white-space: nowrap;  /* prevent text wrapping inside nav items */
}
.nav-links a:hover { color: var(--text); background: rgba(255,255,255,0.05); }
.nav-links a.active { color: var(--accent); background: rgba(0,229,160,0.07); }

.nav-cta {
  background: var(--accent); color: var(--navy);
  padding: 10px 22px; border-radius: 10px;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 14px; font-weight: 700;
  border: none; cursor: pointer; text-decoration: none;
  display: inline-flex; align-items: center; gap: 6px;
  transition: opacity 0.2s, transform 0.15s;
}
.nav-cta:hover { opacity: 0.88; transform: translateY(-1px); }

/* ─── LAYOUT ──────────────────────────────────────────── */
.container { max-width: 1160px; margin: 0 auto; padding: 0 48px; }
.page-wrap { padding: 52px 48px; max-width: 1160px; margin: 0 auto; }

.two-col   { display: grid; grid-template-columns: 1fr 1fr;       gap: 24px; }
.three-col { display: grid; grid-template-columns: 1fr 1fr 1fr;   gap: 16px; }
.four-col  { display: grid; grid-template-columns: repeat(4,1fr); gap: 16px; }
.sidebar-layout { display: grid; grid-template-columns: 400px 1fr; gap: 28px; align-items: start; }

/* ─── CARDS ───────────────────────────────────────────── */
.card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 28px;
}
.card-sm {
  background: var(--card2);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 18px 20px;
}
.result-card {
  background: var(--grad1);
  background: linear-gradient(135deg, rgba(0,229,160,0.06), rgba(0,200,255,0.06));
  border: 1px solid rgba(0,229,160,0.18);
  border-radius: 20px;
  padding: 28px;
}

/* ─── FORM ELEMENTS ───────────────────────────────────── */
.form-group { margin-bottom: 20px; }

.form-label {
  display: block;
  font-size: 11px; font-weight: 600;
  color: var(--muted);
  text-transform: uppercase; letter-spacing: 1px;
  margin-bottom: 8px;
}

.form-input {
  width: 100%;
  background: var(--card3);
  border: 1px solid var(--border2);
  border-radius: 11px;
  padding: 12px 16px;
  color: var(--text);
  font-size: 15px;
  font-family: 'Plus Jakarta Sans', sans-serif;
  outline: none;
  transition: border-color 0.2s, box-shadow 0.2s;
  -webkit-appearance: none;
}
.form-input:focus {
  border-color: rgba(0,229,160,0.45);
  box-shadow: 0 0 0 3px rgba(0,229,160,0.08);
}

.input-prefix { position: relative; }
.input-prefix .prefix-symbol {
  position: absolute; left: 14px; top: 50%;
  transform: translateY(-50%);
  color: var(--muted); font-size: 15px; pointer-events: none;
}
.input-prefix .form-input { padding-left: 28px; }

select.form-input { cursor: pointer; }
select.form-input option { background: var(--card2); }

/* ─── RANGE SLIDER ────────────────────────────────────── */
.slider-wrap { margin-bottom: 22px; }
.slider-row  { display: flex; justify-content: space-between; align-items: center; margin-bottom: 10px; }
.slider-label { font-size: 11px; font-weight: 600; color: var(--muted); text-transform: uppercase; letter-spacing: 1px; }
.slider-val   { font-family: 'Fraunces', serif; font-size: 16px; font-weight: 700; color: var(--accent); }

input[type="range"] {
  width: 100%; height: 4px;
  border-radius: 2px; outline: none;
  -webkit-appearance: none;
  background: var(--border2); cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px; height: 20px; border-radius: 50%;
  background: var(--accent);
  border: 3px solid var(--navy);
  box-shadow: 0 0 0 1px var(--accent);
  cursor: pointer;
  transition: transform 0.15s;
}
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.15); }

/* ─── BUTTONS ─────────────────────────────────────────── */
.btn-primary {
  width: 100%;
  background: var(--accent); color: var(--navy);
  padding: 14px 24px; border-radius: 12px;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 15px; font-weight: 700;
  border: none; cursor: pointer;
  transition: opacity 0.2s, transform 0.15s;
  margin-top: 6px;
}
.btn-primary:hover { opacity: 0.87; transform: translateY(-1px); }

.btn-outline {
  background: transparent; color: var(--accent);
  border: 1px solid rgba(0,229,160,0.3);
  padding: 9px 18px; border-radius: 9px;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 13px; font-weight: 600; cursor: pointer;
  transition: all 0.2s; white-space: nowrap;
}
.btn-outline:hover { background: rgba(0,229,160,0.08); }

/* ─── SECTION HEADER ──────────────────────────────────── */
.section-tag {
  display: inline-flex; align-items: center; gap: 7px;
  background: rgba(0,229,160,0.07);
  border: 1px solid rgba(0,229,160,0.18);
  border-radius: 20px; padding: 5px 14px;
  font-size: 11px; font-weight: 700;
  color: var(--accent); letter-spacing: 1px;
  text-transform: uppercase; margin-bottom: 14px;
}
.section-tag-blue {
  background: rgba(0,200,255,0.07);
  border-color: rgba(0,200,255,0.18);
  color: var(--accent2);
}

.section-title { font-size: 38px; font-weight: 700; letter-spacing: -1.5px; margin-bottom: 12px; }
.section-title .ital { font-style: italic; color: var(--accent); }
.section-sub { color: var(--muted); font-size: 16px; max-width: 520px; line-height: 1.65; margin-bottom: 52px; }

.card-title  { font-family: 'Fraunces', serif; font-size: 20px; font-weight: 700; margin-bottom: 4px; }
.card-sub    { font-size: 13px; color: var(--muted); margin-bottom: 22px; }

/* ─── RESULT NUMBERS ──────────────────────────────────── */
.result-label { font-size: 11px; font-weight: 600; color: var(--muted); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 6px; }
.big-result   { font-family: 'Fraunces', serif; font-size: 48px; font-weight: 700; color: var(--accent); line-height: 1; }
.result-sub   { font-size: 13px; color: var(--muted); margin-top: 6px; }

.stat-row { display: flex; justify-content: space-between; align-items: center; padding: 12px 0; border-bottom: 1px solid var(--border); }
.stat-row:last-child { border-bottom: none; }
.stat-left  { font-size: 13px; color: var(--muted); }
.stat-right { font-size: 14px; font-weight: 600; }

/* ─── BADGES ──────────────────────────────────────────── */
.badge { display: inline-flex; align-items: center; padding: 3px 10px; border-radius: 6px; font-size: 11px; font-weight: 700; }
.badge-green  { background: rgba(0,229,160,0.10); color: var(--accent); }
.badge-blue   { background: rgba(0,200,255,0.10); color: var(--accent2); }
.badge-purple { background: rgba(155,127,255,0.10); color: var(--purple); }
.badge-orange { background: rgba(255,140,66,0.10); color: var(--orange); }
.badge-red    { background: rgba(239,68,68,0.10); color: #F87171; }

/* ─── FILTER BUTTONS ──────────────────────────────────── */
.filter-row { display: flex; gap: 8px; flex-wrap: wrap; margin-bottom: 22px; }
.filter-btn {
  background: var(--card2); border: 1px solid var(--border);
  color: var(--muted); padding: 7px 15px; border-radius: 9px;
  font-size: 12px; font-weight: 600; cursor: pointer;
  transition: all 0.2s; font-family: 'Plus Jakarta Sans', sans-serif;
}
.filter-btn:hover, .filter-btn.active {
  background: rgba(0,229,160,0.08);
  border-color: rgba(0,229,160,0.3);
  color: var(--accent);
}

/* ─── TABLE ───────────────────────────────────────────── */
.data-table { width: 100%; border-collapse: collapse; }
.data-table th {
  font-size: 11px; text-transform: uppercase; letter-spacing: 1px;
  color: var(--muted); font-weight: 600; font-family: 'Plus Jakarta Sans', sans-serif;
  padding: 10px 14px; text-align: left;
  border-bottom: 1px solid var(--border);
}
.data-table td { padding: 14px; border-bottom: 1px solid var(--border); font-size: 14px; vertical-align: middle; }
.data-table tr:last-child td { border-bottom: none; }
.data-table tr:hover td { background: rgba(255,255,255,0.015); }

/* ─── DIVIDER ─────────────────────────────────────────── */
.divider { height: 1px; background: var(--border); margin: 22px 0; }

/* ─── NOTE BOX ────────────────────────────────────────── */
.note {
  background: rgba(0,200,255,0.05);
  border: 1px solid rgba(0,200,255,0.14);
  border-radius: 11px; padding: 13px 16px;
  font-size: 12px; color: var(--muted); line-height: 1.6;
  margin-top: 16px;
}
.note strong { color: var(--accent2); }

/* ─── LENDER LOGO ─────────────────────────────────────── */
.lender-cell { display: flex; align-items: center; gap: 11px; }
.lender-logo {
  width: 38px; height: 38px; border-radius: 9px;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 10px; font-weight: 800; flex-shrink: 0;
}
.lender-name  { font-weight: 600; font-size: 14px; }
.lender-type  { font-size: 11px; color: var(--muted); }

/* ─── ELIGIBILITY CHECKS ──────────────────────────────── */
.elig-check {
  display: flex; align-items: flex-start; gap: 13px;
  padding: 15px; background: var(--card2);
  border-radius: 13px; margin-bottom: 10px;
  border: 1px solid var(--border);
}
.check-icon {
  width: 30px; height: 30px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 13px; font-weight: 800; flex-shrink: 0; margin-top: 1px;
}
.check-pass { background: rgba(0,229,160,0.15); color: var(--accent); }
.check-warn { background: rgba(255,140,66,0.15); color: var(--orange); }
.check-fail { background: rgba(239,68,68,0.15); color: #F87171; }
.check-title { font-size: 14px; font-weight: 600; margin-bottom: 3px; }
.check-desc  { font-size: 12px; color: var(--muted); line-height: 1.55; }

/* ─── CHART BARS ──────────────────────────────────────── */
.chart-bar-wrap { display: flex; align-items: flex-end; gap: 3px; height: 110px; margin-top: 14px; }
.bar-group { flex: 1; display: flex; gap: 1px; align-items: flex-end; }
.bar-p { border-radius: 3px 3px 0 0; background: rgba(0,229,160,0.55); transition: height 0.4s; }
.bar-i { border-radius: 3px 3px 0 0; background: rgba(0,200,255,0.3); transition: height 0.4s; }
.chart-legend { display: flex; gap: 18px; margin-top: 10px; }
.legend-dot { width: 10px; height: 10px; border-radius: 2px; display: inline-block; margin-right: 5px; }

/* ─── PAGE HEADER ─────────────────────────────────────── */
.page-header { margin-bottom: 40px; }
.page-header h1 { font-size: 40px; margin-bottom: 10px; }
.page-header p { color: var(--muted); font-size: 16px; max-width: 560px; }

/* ─── FOOTER ──────────────────────────────────────────── */
.footer {
  border-top: 1px solid var(--border);
  padding: 32px 52px;
  display: flex; align-items: center; justify-content: space-between;
  margin-top: 80px;
}
.footer-logo { font-family: 'Fraunces', serif; font-size: 20px; font-weight: 700; text-decoration: none; color: var(--text); }
.footer-logo em { color: var(--accent); font-style: italic; }
.footer-links { display: flex; gap: 24px; list-style: none; }
.footer-links a { color: var(--muted); font-size: 13px; text-decoration: none; transition: color 0.2s; }
.footer-links a:hover { color: var(--text); }
.footer-copy { font-size: 12px; color: var(--muted2); }

/* ─── PULSE DOT ───────────────────────────────────────── */
.pulse-dot {
  width: 7px; height: 7px; border-radius: 50%;
  background: var(--accent);
  animation: pulse 2.2s ease-in-out infinite;
}
@keyframes pulse { 0%,100%{opacity:1;transform:scale(1)} 50%{opacity:.35;transform:scale(0.8)} }

/* ─── SCROLLBAR ───────────────────────────────────────── */
::-webkit-scrollbar { width: 6px; height: 6px; }
::-webkit-scrollbar-track { background: transparent; }
::-webkit-scrollbar-thumb { background: var(--muted2); border-radius: 3px; }

/* ═══════════════════════════════════════════════════════
   SMOOTH TRANSITIONS — global upgrades
═══════════════════════════════════════════════════════ */

/* Page fade-in */
body { animation: pageFadeIn 0.4s ease both; }
@keyframes pageFadeIn { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }

/* Richer card hovers */
.feature-card,
.benefit-card,
.how-step,
.tier-card,
.when-card,
.info-card,
.next-card,
.card {
  transition: border-color 0.22s, transform 0.24s cubic-bezier(0.34,1.4,0.64,1), box-shadow 0.22s;
}
.feature-card:hover,
.benefit-card:hover,
.how-step:hover,
.tier-card:hover,
.when-card:hover {
  box-shadow: 0 12px 36px rgba(0,0,0,0.35);
}

/* Nav link underline slide */
.nav-links a {
  position: relative;
}
.nav-links a::after {
  content: '';
  position: absolute; bottom: 2px; left: 14px; right: 14px;
  height: 1px; background: var(--accent);
  transform: scaleX(0); transform-origin: left;
  transition: transform 0.22s ease;
}
.nav-links a:hover::after,
.nav-links a.active::after {
  transform: scaleX(1);
}

/* Button press feedback */
.btn-primary,
.submit-btn,
.nav-cta,
.btn-hero-primary {
  transition: opacity 0.18s, transform 0.15s, box-shadow 0.18s;
}
.btn-primary:active,
.submit-btn:active,
.nav-cta:active,
.btn-hero-primary:active {
  transform: scale(0.97) !important;
}

/* Input focus glow */
.form-input,
.calc-input {
  transition: border-color 0.2s, box-shadow 0.2s, background 0.2s;
}

/* ═══════════════════════════════════════════════════════
   HAMBURGER NAV BUTTON
═══════════════════════════════════════════════════════ */
.nav-hamburger {
  display: none;
  flex-direction: column;
  justify-content: center; align-items: center;
  gap: 5px;
  width: 40px; height: 40px;
  background: transparent;
  border: 1px solid var(--border2);
  border-radius: 9px;
  cursor: pointer; padding: 0;
  flex-shrink: 0;
  transition: background 0.2s, border-color 0.2s;
}
.nav-hamburger:hover { background: rgba(255,255,255,0.05); border-color: var(--border); }
.nav-hamburger span {
  display: block;
  width: 18px; height: 2px;
  background: var(--text); border-radius: 2px;
  transition: transform 0.26s ease, opacity 0.2s, width 0.2s;
}
/* Animated X when open */
.nav.nav-open .nav-hamburger span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav.nav-open .nav-hamburger span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.nav.nav-open .nav-hamburger span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile dropdown menu — hidden by default at ALL screen sizes */
.nav-mobile-menu {
  display: none !important;
  visibility: hidden !important;
  position: absolute; top: 100%; left: 0; right: 0;
  background: rgba(8,13,26,0.97);
  backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--border);
  padding: 12px 20px 18px;
  z-index: 199;
  flex-direction: column; gap: 2px;
  transform-origin: top;
  animation: menuSlideDown 0.22s cubic-bezier(0.34,1.2,0.64,1) both;
}
.nav.nav-open .nav-mobile-menu { display: flex !important; visibility: visible !important; }
@keyframes menuSlideDown {
  from { opacity: 0; transform: scaleY(0.88) translateY(-8px); }
  to   { opacity: 1; transform: none; }
}
.nav-mobile-menu a {
  color: var(--muted); font-size: 15px; font-weight: 500;
  text-decoration: none; padding: 11px 14px; border-radius: 10px;
  transition: all 0.18s; display: flex; align-items: center; gap: 8px;
}
.nav-mobile-menu a:hover { color: var(--text); background: rgba(255,255,255,0.05); }
.nav-mobile-menu a.active { color: var(--accent); background: rgba(0,229,160,0.07); }
.nav-mobile-menu .nav-mobile-cta {
  margin-top: 10px; padding: 13px;
  background: var(--accent); color: var(--navy);
  border-radius: 11px; font-weight: 800; font-size: 15px;
  text-align: center; justify-content: center;
}
.nav-mobile-menu .nav-mobile-cta:hover { opacity: 0.88; }

/* ═══════════════════════════════════════════════════════
   BREAKPOINT  0: Nav-only collapse  ≤ 1380px
   7 links + CTA need ~1130px minimum — collapse early
   to avoid ANY wrapping at typical screen sizes
═══════════════════════════════════════════════════════ */
@media (max-width: 1380px) {
  .nav { padding: 0 24px !important; position: relative !important; }
  .nav-links    { display: none !important; }
  .nav-cta      { display: none !important; }
  .nav-hamburger { display: flex !important; }
}

/* ═══════════════════════════════════════════════════════
   BREAKPOINT  1: Wide tablet  ≤ 1100px
═══════════════════════════════════════════════════════ */
@media (max-width: 1100px) {
  .hero-section { padding: 70px 28px 60px !important; }
  .hero-inner   { gap: 48px !important; }
  .hero h1      { font-size: 46px !important; }

  .features-section { padding: 70px 28px !important; }
  .steps-section    { padding: 70px 28px !important; }
  .lenders-section  { padding: 40px 28px !important; }
  .cta-section      { padding: 60px 28px !important; }

  .contact-wrap,
  .refi-wrap,
  .ref-wrap { padding: 48px 28px 64px !important; }

  .footer { padding: 28px 28px !important; }

  .section-title { font-size: 32px !important; }
  .contact-header h1,
  .refi-header h1,
  .ref-hero h1 { font-size: 42px !important; }

  /* Narrow the sidebar layouts */
  .contact-layout    { grid-template-columns: 1fr 360px !important; gap: 32px !important; }
  .refi-layout       { grid-template-columns: 1fr 340px !important; gap: 32px !important; }
  .ref-layout        { grid-template-columns: 1fr 320px !important; gap: 32px !important; }

  .tiers-grid   { gap: 14px !important; }
  .benefits-grid { grid-template-columns: 1fr 1fr !important; }
}

/* ═══════════════════════════════════════════════════════
   BREAKPOINT  2: Tablet  ≤ 860px
═══════════════════════════════════════════════════════ */
@media (max-width: 860px) {
  /* NAV padding tighten on smaller screens */
  .nav { padding: 0 20px !important; height: 64px !important; }

  /* Hero */
  .hero-inner {
    grid-template-columns: 1fr !important;
    gap: 36px !important;
  }
  .hero h1 { font-size: 40px !important; }
  .hero-card { max-width: 480px; }
  .hero-stats { gap: 24px !important; flex-wrap: wrap !important; }

  /* Features */
  .features-grid { grid-template-columns: 1fr !important; }

  /* Steps */
  .steps-grid { grid-template-columns: 1fr 1fr !important; gap: 20px !important; }
  .step-connector { display: none !important; }

  /* Lenders */
  .lenders-row { flex-wrap: wrap !important; }
  .lender-item { min-width: 33.33%; border-bottom: 1px solid var(--border) !important; }

  /* Contact page */
  .contact-layout  { grid-template-columns: 1fr !important; }
  .contact-header h1 { font-size: 38px !important; }

  /* Refinancing */
  .refi-layout { grid-template-columns: 1fr !important; }
  .calc-grid   { grid-template-columns: 1fr !important; }
  .refi-header h1 { font-size: 38px !important; }
  .benefits-grid { grid-template-columns: 1fr 1fr !important; }
  .when-grid   { grid-template-columns: 1fr !important; }

  /* Referrals */
  .ref-layout  { grid-template-columns: 1fr !important; }
  .ref-hero h1 { font-size: 40px !important; }
  .reward-amount { font-size: 52px !important; }
  .how-steps   { grid-template-columns: 1fr !important; }
  .tiers-grid  { grid-template-columns: 1fr !important; }

  /* Section spacing */
  .section-title { font-size: 28px !important; letter-spacing: -1px !important; }
  .section-sub   { font-size: 15px; margin-bottom: 32px !important; }
  .hero-section  { padding: 52px 20px 48px !important; }
  .features-section,
  .steps-section { padding: 52px 20px !important; }
  .cta-section   { padding: 48px 20px !important; }
  .lenders-section { padding: 36px 20px !important; }

  .contact-wrap,
  .refi-wrap,
  .ref-wrap { padding: 36px 20px 56px !important; }

  /* Form rows collapse to single column */
  .form-row { grid-template-columns: 1fr !important; gap: 0 !important; }
  .form-row .form-group { margin-bottom: 20px !important; }

  /* Footer */
  .footer {
    flex-direction: column !important; gap: 18px !important; text-align: center !important;
    padding: 28px 20px !important;
  }
  .footer-links { gap: 16px !important; flex-wrap: wrap !important; justify-content: center !important; }

  /* CTA box */
  .cta-box h2 { font-size: 34px !important; }
  .cta-box > div { flex-direction: column !important; align-items: center !important; gap: 10px !important; }
}

/* ═══════════════════════════════════════════════════════
   BREAKPOINT  3: Mobile  ≤ 520px
═══════════════════════════════════════════════════════ */
@media (max-width: 520px) {
  .hero h1      { font-size: 34px !important; letter-spacing: -1.5px !important; }
  .hero-sub     { font-size: 15px; }
  .hero-btns    { flex-direction: column !important; }
  .hero-btns a  { width: 100% !important; justify-content: center !important; }

  .hero-stats   { gap: 16px !important; }
  .stat-num     { font-size: 22px !important; }

  .contact-header h1,
  .refi-header h1 { font-size: 32px !important; }
  .ref-hero h1  { font-size: 32px !important; letter-spacing: -1.5px !important; }
  .reward-amount { font-size: 44px !important; }

  .benefits-grid { grid-template-columns: 1fr !important; }
  .steps-grid    { grid-template-columns: 1fr !important; }
  .lenders-row   { flex-direction: column !important; }
  .lender-item   { border-right: none !important; padding: 14px 20px !important; text-align: left !important; }

  .section-title { font-size: 26px !important; }
  .cta-box h2    { font-size: 28px !important; }

  .form-card, .calc-section { padding: 24px 20px !important; }

  .tier-card    { padding: 24px 20px !important; }
  .tier-reward  { font-size: 36px !important; }
  .reward-badge { padding: 22px 28px !important; }

  .page-wrap  { padding: 36px 18px !important; }
  .container  { padding: 0 18px !important; }

  /* Table horizontal scroll */
  .data-table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; }
  .data-table { min-width: 560px; }

  /* rates ticker — smaller items */
  .rate-ticker-item { min-width: 140px !important; padding: 0 16px !important; }
  .rate-bank-name-ticker { font-size: 12px !important; }
  .rate-min-val, .rate-max-val { font-size: 14px !important; }

  .tc-section { padding: 24px 20px !important; }

  .hero-card { padding: 20px !important; }
  .hero-card-value { font-size: 32px !important; }

  .next-card, .info-card { padding: 20px !important; }
}