/* ============================================================
   Loans For Less — Easy Title Loans Utah
   Restrained, trust-first design.
   ============================================================ */

:root {
  --ink: #0e1a14;
  --ink-soft: #3f4d44;
  --ink-muted: #6b7670;
  --brand-green: #2d8a3c;
  --brand-green-deep: #1f6a2b;
  --brand-green-soft: #e6f1e7;
  --brand-red: #c33a2a;
  --brand-red-deep: #962d20;
  --cream: #f7f4ed;
  --paper: #ffffff;
  --line: #d9d4c7;
  --soft-yellow: #fcefb1;
  --shadow: 0 1px 2px rgba(14, 26, 20, 0.04), 0 12px 28px rgba(14, 26, 20, 0.05);
  --shadow-lift: 0 4px 12px rgba(14, 26, 20, 0.08), 0 24px 48px rgba(14, 26, 20, 0.12);
  --radius-sm: 4px;
  --radius: 10px;
  --radius-lg: 16px;
  --container: 1200px;
  --reading: 65ch;
  --section-y: clamp(3.5rem, 7vw, 6rem);
  --easing: cubic-bezier(0.4, 0, 0.2, 1);
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, system-ui, sans-serif;
  font-size: 1.0625rem;
  line-height: 1.6;
  color: var(--ink);
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img, picture { display: block; max-width: 100%; height: auto; }
a { color: var(--brand-green-deep); text-decoration: none; transition: color 200ms var(--easing); }
a:hover { color: var(--brand-green); }
button { font: inherit; cursor: pointer; }
input, textarea, select { font: inherit; color: inherit; }

/* Typography */
h1, h2, h3, h4 {
  font-family: "Inter", sans-serif;
  font-weight: 700;
  line-height: 1.18;
  letter-spacing: -0.02em;
  color: var(--ink);
  margin: 0 0 1rem;
}
h1 { font-size: clamp(2.25rem, 5vw, 3.75rem); letter-spacing: -0.025em; }
h2 { font-size: clamp(1.625rem, 3vw, 2.25rem); }
h3 { font-size: 1.25rem; font-weight: 600; }
h4 { font-size: 1rem; font-weight: 600; }
p { margin: 0 0 1.1em; max-width: var(--reading); }
.lede { font-size: 1.15rem; color: var(--ink-soft); }
.eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  color: var(--brand-green-deep);
  margin-bottom: 1rem;
  padding: 0.25rem 0.65rem;
  background: var(--brand-green-soft);
  border-radius: 999px;
}

/* Layout */
.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 clamp(1.5rem, 4vw, 3rem);
}
.section { padding: var(--section-y) 0; }
.section--cream { background: var(--cream); }
.section--paper { background: var(--paper); }
.section--green { background: var(--brand-green); color: var(--paper); }
.section--green h1, .section--green h2, .section--green h3 { color: var(--paper); }
.section--green p { color: rgba(255, 255, 255, 0.92); }
.section--green .eyebrow { background: rgba(255, 255, 255, 0.16); color: var(--paper); }
.section--ink { background: var(--ink); color: var(--paper); }
.section--ink h1, .section--ink h2, .section--ink h3 { color: var(--paper); }
.section--ink p { color: rgba(255, 255, 255, 0.85); }
.section--ink .eyebrow { background: rgba(255, 255, 255, 0.12); color: var(--paper); }

/* Top phone bar */
.top-bar {
  background: var(--ink);
  color: var(--paper);
  font-size: 0.86rem;
  letter-spacing: 0.01em;
}
.top-bar__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.5rem 0;
  flex-wrap: wrap;
}
.top-bar strong { font-weight: 700; }
.top-bar a { color: var(--paper); }
.top-bar a:hover { color: var(--soft-yellow); }
.top-bar__phones {
  display: flex;
  gap: 1.25rem;
  flex-wrap: wrap;
}
.top-bar__claim { color: var(--soft-yellow); font-weight: 600; }

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: saturate(160%) blur(14px);
  -webkit-backdrop-filter: saturate(160%) blur(14px);
  border-bottom: 1px solid var(--line);
}
.site-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  padding-top: 0.85rem;
  padding-bottom: 0.85rem;
  /* horizontal padding inherited from .container — do NOT shorthand-zero it */
}
.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
}
.brand img { height: 60px; width: auto; display: block; }
.brand span.sr-only { position: absolute; left: -9999px; }

.nav {
  display: flex;
  align-items: center;
  gap: 1.5rem;
}
.nav a {
  font-size: 0.94rem;
  font-weight: 500;
  color: var(--ink);
  position: relative;
  padding: 0.4rem 0;
}
.nav a::after {
  content: "";
  position: absolute;
  left: 0; right: 100%;
  bottom: -2px;
  height: 2px;
  background: var(--brand-green);
  transition: right 220ms var(--easing);
}
.nav a:hover { color: var(--brand-green-deep); }
.nav a:hover::after, .nav a[aria-current="page"]::after { right: 0; }
.nav a[aria-current="page"] { color: var(--brand-green-deep); }

/* Buttons inside the nav should keep their button colors and skip the underline */
.nav a.btn { color: var(--paper); }
.nav a.btn:hover { color: var(--paper); }
.nav a.btn::after { display: none; }
.nav a.btn--ghost, .nav a.btn--ghost:hover { color: var(--ink); }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.78rem 1.6rem;
  border-radius: 999px;
  font-family: "Inter", sans-serif;
  font-size: 0.92rem;
  font-weight: 600;
  letter-spacing: 0.01em;
  border: 1px solid transparent;
  transition: all 220ms var(--easing);
  white-space: nowrap;
  cursor: pointer;
}
.btn--green {
  background: var(--brand-green);
  color: var(--paper);
}
.btn--green:hover { background: var(--brand-green-deep); color: var(--paper); }
.btn--red {
  background: var(--brand-red);
  color: var(--paper);
}
.btn--red:hover { background: var(--brand-red-deep); color: var(--paper); }
.btn--ghost {
  background: transparent;
  color: var(--ink);
  border-color: var(--ink);
}
.btn--ghost:hover { background: var(--ink); color: var(--paper); }
.btn--ghost-light {
  background: transparent;
  color: var(--paper);
  border-color: rgba(255, 255, 255, 0.7);
}
.btn--ghost-light:hover { background: var(--paper); color: var(--ink); }
.btn--big { padding: 1rem 1.9rem; font-size: 1rem; }

/* Mobile hamburger */
.nav-toggle {
  display: none;
  width: 44px; height: 44px;
  background: transparent;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  color: var(--ink);
  padding: 0;
  position: relative;
  z-index: 70;
}
/* CSS-only hamburger built from a span and its two ::before/::after bars.
   Bullet-proof bounding boxes — no SVG transform-origin issues. */
.hamburger {
  position: relative;
  display: block;
  width: 22px;
  height: 2px;
  background: currentColor;
  border-radius: 1px;
  transition: background 200ms var(--easing);
}
.hamburger::before,
.hamburger::after {
  content: "";
  position: absolute;
  left: 0;
  width: 22px;
  height: 2px;
  background: currentColor;
  border-radius: 1px;
  transition: transform 240ms var(--easing), top 240ms var(--easing);
}
.hamburger::before { top: -7px; }
.hamburger::after  { top:  7px; }

.nav-toggle[aria-expanded="true"] { background: var(--paper); }
.nav-toggle[aria-expanded="true"] .hamburger { background: transparent; }
.nav-toggle[aria-expanded="true"] .hamburger::before { top: 0; transform: rotate(45deg); }
.nav-toggle[aria-expanded="true"] .hamburger::after  { top: 0; transform: rotate(-45deg); }

/* Hero */
.hero {
  position: relative;
  background:
    radial-gradient(ellipse 80% 60% at 80% 10%, rgba(252, 239, 177, 0.22) 0%, transparent 60%),
    radial-gradient(ellipse 60% 50% at 20% 90%, rgba(45, 138, 60, 0.18) 0%, transparent 60%),
    linear-gradient(180deg, var(--cream) 0%, var(--paper) 100%);
  padding: clamp(3rem, 7vw, 5.5rem) 0 clamp(3rem, 7vw, 5.5rem);
  overflow: hidden;
}
.hero__grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  grid-template-areas:
    "head    stop"
    "actions stop"
    "below   stop";
  column-gap: clamp(2rem, 5vw, 5rem);
  row-gap: 1.5rem;
  align-items: start;
}
.hero__head    { grid-area: head; }
.hero__stop    { grid-area: stop; align-self: center; }
.hero__actions { grid-area: actions; }
.hero__below   { grid-area: below; }

.hero h1 { max-width: 18ch; margin-bottom: 0; }
.hero__sub {
  font-size: 1.18rem;
  color: var(--ink-soft);
  max-width: 50ch;
  margin: 0 0 1.5rem;
}
.hero__stats {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--line);
}
.hero__stat strong {
  display: block;
  font-size: 1.875rem;
  font-weight: 700;
  letter-spacing: -0.02em;
  color: var(--brand-green-deep);
}
.hero__stat span {
  display: block;
  font-size: 0.84rem;
  color: var(--ink-muted);
  margin-top: 0.2rem;
}
.hero__cta {
  display: flex;
  gap: 0.75rem;
  flex-wrap: wrap;
}
.hero__card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  box-shadow: var(--shadow);
}
.hero__card h3 {
  font-size: 1.15rem;
  margin-bottom: 0.5rem;
}
.hero__card .claim {
  font-size: 1.5rem;
  font-weight: 700;
  line-height: 1.15;
  color: var(--ink);
  margin-bottom: 0.4rem;
}
.hero__card .claim em {
  color: var(--brand-green-deep);
  font-style: normal;
}
.hero__card .claim em.red { color: var(--brand-red); }
.hero__card .small {
  font-size: 0.86rem;
  color: var(--ink-muted);
  margin-bottom: 1.25rem;
}
.hero__card .row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
  margin-top: 1rem;
}
.hero__card .row a {
  display: flex;
  flex-direction: column;
  align-items: stretch;
  padding: 0.75rem 0.85rem;
  background: var(--brand-green-soft);
  border-radius: var(--radius);
  color: var(--ink);
  font-size: 0.86rem;
  border: 1px solid transparent;
  transition: all 200ms var(--easing);
}
.hero__card .row a:hover {
  border-color: var(--brand-green);
  background: var(--paper);
}
.hero__card .row .label {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-muted);
}
.hero__card .row .num { font-weight: 700; color: var(--ink); }

/* Hero stop-sign block — sits to the right of the hero copy on desktop, above it on mobile */
.hero__stop {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
}
.hero__stop img {
  width: 100%;
  max-width: 480px;
  height: auto;
  filter: drop-shadow(0 18px 36px rgba(14, 26, 20, 0.22));
}

/* What we lend / card grid */
.lend-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
  margin-top: 2.5rem;
}
.lend-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.5rem 1.6rem;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  transition: all 220ms var(--easing);
}
.lend-card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-lift);
  border-color: var(--brand-green);
}
.lend-card__cap {
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--brand-green-deep);
}
.lend-card__amt {
  font-size: 1.85rem;
  font-weight: 700;
  color: var(--ink);
  letter-spacing: -0.02em;
}
.lend-card h3 { margin: 0.2rem 0 0.4rem; }
.lend-card p {
  color: var(--ink-soft);
  font-size: 0.96rem;
  margin: 0;
}

/* How it works steps */
.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-top: 2.5rem;
  counter-reset: step;
}
.step {
  counter-increment: step;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.6rem 1.75rem;
  position: relative;
}
.step__num {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  color: var(--brand-green);
  text-transform: uppercase;
}
.step__num::before {
  content: counter(step, decimal-leading-zero) " · ";
  color: var(--brand-red);
}
.step h3 { margin: 0.4rem 0 0.5rem; font-size: 1.2rem; }
.step p { color: var(--ink-soft); margin: 0; font-size: 0.96rem; }

/* Trust strip */
.trust-strip {
  background: var(--brand-green-soft);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  padding: 2rem 0;
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  color: var(--ink);
  font-size: 0.95rem;
}
.trust-item svg {
  width: 22px;
  height: 22px;
  flex: 0 0 22px;
  color: var(--brand-green-deep);
}
.trust-item strong { font-weight: 600; }

/* Ethics / bill of rights */
.ethics-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.25rem;
  margin-top: 2rem;
}
.ethics-card {
  background: var(--paper);
  border-left: 4px solid var(--brand-green);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 1.4rem 1.5rem;
}
.ethics-card h3 {
  font-size: 1.1rem;
  margin: 0 0 0.4rem;
}
.ethics-card p {
  font-size: 0.96rem;
  color: var(--ink-soft);
  margin: 0;
}

/* Testimonials */
.reviews-head {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 2rem;
  align-items: end;
  margin-bottom: 1rem;
}
.reviews-head .lede { margin: 0; }
.reviews-summary {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1rem 1.25rem;
  text-align: center;
  min-width: 200px;
  box-shadow: var(--shadow);
}
.reviews-summary__stars {
  display: inline-flex;
  gap: 2px;
  margin-bottom: 0.25rem;
}
.reviews-summary__stars svg {
  width: 22px;
  height: 22px;
  fill: #f5b400;
}
.reviews-summary__num {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--ink);
  letter-spacing: -0.01em;
  line-height: 1.1;
}
.reviews-summary__sub {
  font-size: 0.78rem;
  color: var(--ink-muted);
  letter-spacing: 0.04em;
  margin-top: 0.15rem;
}

.testimonials {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
  margin-top: 2rem;
}
.quote {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.6rem 1.75rem;
  display: flex;
  flex-direction: column;
  position: relative;
}
.quote__stars {
  color: #f5b400;
  letter-spacing: 2px;
  font-size: 1.05rem;
  line-height: 1;
  margin-bottom: 0.85rem;
}
.quote p {
  margin: 0;
  font-size: 1.02rem;
  color: var(--ink);
  line-height: 1.55;
}
.quote__author {
  margin-top: 1.1rem;
  font-size: 0.84rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  color: var(--brand-green-deep);
  text-transform: uppercase;
}
.quote__author span {
  font-weight: 500;
  color: var(--ink-muted);
  text-transform: none;
  letter-spacing: 0.02em;
}

.reviews-links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 2rem;
  align-items: center;
}
.reviews-links .btn { padding: 0.65rem 1.1rem; font-size: 0.88rem; }
.reviews-links .btn svg { flex-shrink: 0; }

/* Locations */
.locations-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
  margin-top: 2.5rem;
}
.loc-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.75rem 1.85rem;
}
.loc-card__city {
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--brand-red);
}
.loc-card h3 { font-size: 1.4rem; margin: 0.3rem 0 0.6rem; }
.loc-card address {
  font-style: normal;
  color: var(--ink-soft);
  margin-bottom: 1rem;
}
.loc-card__row {
  display: grid;
  grid-template-columns: max-content 1fr;
  gap: 0.45rem 0.85rem;
  font-size: 0.96rem;
  margin: 0.65rem 0;
}
.loc-card__row dt {
  font-size: 0.76rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-muted);
  align-self: center;
}
.loc-card__row dd { margin: 0; }
.loc-card__cta {
  display: flex;
  gap: 0.65rem;
  flex-wrap: wrap;
  margin-top: 1.1rem;
}
.loc-card .small { color: var(--ink-muted); font-size: 0.86rem; }

/* Forms */
.form {
  display: grid;
  gap: 1rem;
  background: var(--paper);
  padding: 2rem;
  border-radius: var(--radius-lg);
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
}
.form .row { display: grid; gap: 1rem; grid-template-columns: 1fr 1fr; }
.form label {
  display: block;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-muted);
  margin-bottom: 0.35rem;
}
.form input,
.form select,
.form textarea {
  width: 100%;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 0.75rem 0.9rem;
  font-size: 1rem;
  transition: border-color 200ms var(--easing), box-shadow 200ms var(--easing);
}
.form textarea { min-height: 140px; resize: vertical; }
.form input:focus, .form select:focus, .form textarea:focus {
  outline: none;
  border-color: var(--brand-green);
  box-shadow: 0 0 0 3px rgba(45, 138, 60, 0.18);
}
.form .actions { display: flex; gap: 0.75rem; align-items: center; flex-wrap: wrap; }

/* Contact grid */
.contact-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: clamp(2rem, 4vw, 4rem);
  margin-top: 2.5rem;
  align-items: start;
}

/* Footer */
.site-footer {
  background: var(--ink);
  color: rgba(255, 255, 255, 0.78);
  padding: clamp(3rem, 6vw, 5rem) 0 1.5rem;
  font-size: 0.94rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 2.5rem;
}
.footer-brand img { height: 56px; width: auto; background: var(--paper); padding: 8px 12px; border-radius: 8px; }
.footer-brand p { margin: 0.85rem 0 0; color: rgba(255, 255, 255, 0.7); max-width: 32ch; }
.footer-col h4 {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--paper);
  margin: 0 0 1rem;
}
.footer-col ul { list-style: none; padding: 0; margin: 0; }
.footer-col li { margin-bottom: 0.55rem; }
.footer-col a { color: rgba(255, 255, 255, 0.78); }
.footer-col a:hover { color: var(--soft-yellow); }
.footer-fineprint {
  margin-top: 2.5rem;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 0.75rem;
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.55);
}
.footer-compliance {
  margin-top: 1rem;
  font-size: 0.86rem;
  color: rgba(255, 255, 255, 0.7);
  line-height: 1.5;
}

/* Mobile dual-call strip — sits INSIDE the sticky header so it scrolls together as one unit.
   Hidden on desktop (the header has plenty of space). */
.call-strip {
  display: none;
  background: var(--brand-green);
  color: var(--paper);
  text-align: center;
  border-bottom: 1px solid rgba(14, 26, 20, 0.18);
  box-shadow: 0 4px 14px rgba(14, 26, 20, 0.10);
}
.call-strip__row {
  display: grid;
  grid-template-columns: 1fr 1fr;
}
.call-strip a {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 0.6rem 0.5rem 0.65rem;
  color: var(--paper);
  font-size: 1rem;
  font-weight: 700;
  text-decoration: none;
  line-height: 1.15;
  -webkit-tap-highlight-color: rgba(0, 0, 0, 0.2);
  touch-action: manipulation;          /* removes 300ms tap delay on mobile */
  cursor: pointer;
  user-select: none;
}
/* Minimal styling for tel: links — kill the 300ms double-tap delay on iOS,
   give a visible touch highlight, and a pointer cursor on desktop. Anything
   more aggressive (preventDefault, pointer-events:none on children) tends to
   interfere with iOS Safari's native tel: handler, so we keep this lean. */
a[href^="tel:"] {
  cursor: pointer;
  touch-action: manipulation;
  -webkit-tap-highlight-color: rgba(45, 138, 60, 0.18);
}
.call-strip a + a {
  border-left: 1px solid rgba(255, 255, 255, 0.18);
}
.call-strip a:hover, .call-strip a:active {
  background: var(--brand-green-deep);
  color: var(--paper);
}
.call-strip__call {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--soft-yellow);
  margin-bottom: 2px;
}
.call-strip__call svg { width: 12px; height: 12px; }
.call-strip__num {
  font-size: 1.05rem;
  font-weight: 700;
  letter-spacing: 0.01em;
}

/* Universal full-width CTA strip for green/ink sections.
   Desktop = 2 columns (copy left, buttons right). Mobile = stacked, full-width buttons. */
.cta-strip {
  display: grid;
  grid-template-columns: 1.3fr auto;
  gap: 2rem;
  align-items: center;
}
.cta-strip h2 { margin: 0; max-width: 22ch; }
.cta-strip p { margin: 0.6rem 0 0; max-width: 56ch; }
.cta-strip__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
}

/* Reveal */
.reveal { opacity: 0; transform: translateY(14px); transition: opacity 700ms var(--easing), transform 700ms var(--easing); }
.reveal.is-visible { opacity: 1; transform: translateY(0); }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
  .lend-card:hover { transform: none; }
}

/* Mobile */
@media (max-width: 860px) {
  body.menu-open { overflow: hidden; }

  .top-bar { font-size: 0.78rem; }
  .top-bar__inner { justify-content: center; padding: 0.35rem 0; }
  .top-bar__claim { display: none; }
  .top-bar__phones { gap: 0.85rem; }

  /* Slightly roomier container on mobile so the hamburger and the menu sheet both breathe */
  .container { padding: 0 1.5rem; }
  .site-header__inner { padding-top: 0.7rem; padding-bottom: 0.7rem; }
  .brand img { height: 50px; }

  /* Mobile hamburger gets some extra right margin so it doesn't crowd the viewport edge */
  .nav-toggle { display: inline-flex; align-items: center; justify-content: center; }

  .nav {
    display: flex;
    position: fixed;
    top: 0; left: 0;
    right: auto; bottom: auto;
    width: 100vw;
    height: 100vh;
    height: 100dvh;
    z-index: 65;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    background: var(--paper);
    /* Top padding clears the header. Bottom padding includes safe-area for notched devices. Side padding generous. */
    padding: 92px 1.75rem calc(2rem + env(safe-area-inset-bottom, 0px));
    overflow-y: auto;
    transform: translateY(-12px);
    opacity: 0;
    pointer-events: none;
    visibility: hidden;
    transition: opacity 240ms var(--easing), transform 240ms var(--easing), visibility 0s linear 240ms;
  }
  .nav.is-open {
    transform: translateY(0);
    opacity: 1;
    pointer-events: auto;
    visibility: visible;
    transition: opacity 240ms var(--easing), transform 240ms var(--easing), visibility 0s linear 0s;
  }
  .nav a {
    width: 100%;
    padding: 1.05rem 0;
    border-bottom: 1px solid var(--line);
    font-size: 1.25rem;
    font-weight: 600;
    text-align: left;
  }
  .nav a::after { display: none; }
  .nav a[aria-current="page"] { color: var(--brand-green-deep); }
  .nav .btn { width: 100%; margin-top: 1.5rem; padding: 1rem; }

  /* Single column on mobile; stop sign sits between the headline and the Apply button
     so both the sign and the Apply CTA are visible above the fold. */
  .hero__grid {
    grid-template-columns: 1fr;
    grid-template-areas:
      "head"
      "stop"
      "actions"
      "below";
    row-gap: 1.1rem;
  }
  .hero { padding: 1.25rem 0 2rem; }
  .hero h1 { font-size: clamp(1.65rem, 6.5vw, 2.2rem); line-height: 1.18; }
  .hero__stop img { max-width: 260px; }
  .hero__stats { grid-template-columns: 1fr 1fr; }
  .lend-grid { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; }
  .trust-grid { grid-template-columns: 1fr 1fr; }
  .ethics-grid { grid-template-columns: 1fr; }
  .testimonials { grid-template-columns: 1fr; }
  .reviews-head { grid-template-columns: 1fr; gap: 1rem; }
  .reviews-summary { min-width: 0; padding: 0.85rem 1rem; }
  .locations-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .form .row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 2rem; }

  /* CTA strips stack on mobile so the heading isn't squeezed against the buttons */
  .cta-strip { grid-template-columns: 1fr; gap: 1.25rem; }
  .cta-strip__actions { width: 100%; flex-direction: column; }
  .cta-strip__actions .btn { width: 100%; }

  /* The dual call strip appears just below the header on mobile, sticky as the user scrolls. */
  .call-strip { display: block; }
}

@media (max-width: 480px) {
  .trust-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero__stats { grid-template-columns: 1fr 1fr; }
  /* iPhone-SE-class viewports — keep stop sign + Apply above the fold */
  .hero { padding: 1rem 0 1.5rem; }
  .hero h1 { font-size: 1.45rem; line-height: 1.18; }
  .hero__stop img { max-width: 220px; }
  .hero__grid { row-gap: 0.85rem; }
  .btn--big { padding: 0.85rem 1.5rem; font-size: 0.95rem; }
}

/* Focus */
:focus-visible {
  outline: 2px solid var(--brand-green);
  outline-offset: 3px;
  border-radius: 2px;
}
.btn:focus-visible { outline-offset: 4px; }

/* Print */
@media print {
  .site-header, .site-footer, .call-banner, .top-bar { display: none !important; }
  body { background: white; color: black; }
}