/* Tailwind 4.2 design tokens, exposed via @theme (Tailwind reads these to
   generate utility classes) AND as CSS custom properties on :root so the
   variables resolve in native CSS too. */
@theme {
    --color-ink: #0A0F0D;
    --color-lime: #C6F24A;
    --color-coral: #FF5A2C;
    --color-cream: #FFFFFF;
    --color-soft: #F6F6F2;
    --font-display: "Geist", system-ui, sans-serif;
    --font-sans: "Geist", system-ui, sans-serif;
    --font-mono: "Geist Mono", ui-monospace, monospace;
}

:root {
    --color-bone: #F2F2EE;
    --color-bone-2: #E6E6E0;
    --color-cream: #FFFFFF;
    --color-soft: #F6F6F2;
    --color-surface: #FFFFFF;
    --color-ink: #0A0F0D;
    --color-ink-2: #28302D;
    --color-ink-3: #6A716E;
    --color-line: #E5E5DF;
    --color-line-2: #D3D3CB;
    --color-lime: #C6F24A;
    --color-lime-2: #B3E236;
    --color-lime-deep: #1F2B08;
    --color-coral: #FF5A2C;
    --color-coral-2: #FF7A52;
    --color-coral-deep: #3C1408;
    --color-mint: #B8E8C0;
    --color-mint-2: #8FD9A0;
    --color-sky: #B8D2F2;
    --color-sky-2: #8FB8E8;

    --font-display: "Geist", system-ui, sans-serif;
    --font-sans: "Geist", system-ui, sans-serif;
    --font-mono: "Geist Mono", ui-monospace, monospace;

    --radius-s: 2px;
    --radius-m: 2px;
    --radius-l: 2px;
    --radius-xl: 2px;

    --shadow-card: 0 1px 0 rgba(10, 15, 13, 0.04), 0 18px 40px rgba(10, 15, 13, 0.06);
    --shadow-pop: 0 24px 60px rgba(10, 15, 13, 0.18);

    --container-site: 1320px;
    --gutter: 28px;
}

/* Base */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
    margin: 0;
    background: var(--color-cream);
    color: var(--color-ink);
    font-family: var(--font-sans);
    font-size: 16px;
    line-height: 1.55;
    -webkit-font-smoothing: antialiased;
    text-rendering: optimizeLegibility;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font: inherit; cursor: pointer; }
ul, ol { margin: 0; padding: 0; list-style: none; }

h1, h2, h3, h4 {
    font-family: var(--font-display);
    font-weight: 700;
    letter-spacing: -0.03em;
    line-height: 1.02;
    margin: 0;
    text-wrap: balance;
}
h1 { font-weight: 800; letter-spacing: -0.04em; line-height: 0.96; }
h3 { line-height: 1.1; letter-spacing: -0.022em; }
h4 { line-height: 1.15; }
p { margin: 0; text-wrap: pretty; }

.container-site {
    width: 100%;
    max-width: var(--container-site);
    padding: 0 var(--gutter);
    margin: 0 auto;
}

.skip-link {
    position: absolute;
    left: -9999px;
    background: var(--color-ink);
    color: var(--color-lime);
    padding: 10px 14px;
}
.skip-link:focus { left: 12px; top: 12px; z-index: 100; }


.hl {
    background: var(--color-lime);
    color: var(--color-ink);
    padding: 0 0.18em;
    -webkit-box-decoration-break: clone;
    box-decoration-break: clone;
}
.hl-coral { color: var(--color-coral); font-style: italic; font-weight: 700; }

/* Buttons */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    padding: 14px 22px;
    border-radius: 999px;
    font-family: var(--font-sans);
    font-weight: 700;
    font-size: 15px;
    border: 1.5px solid transparent;
    transition: background 140ms ease, color 140ms ease, border-color 140ms ease, transform 140ms ease;
    white-space: nowrap;
    cursor: pointer;
}
.btn:disabled, .btn[aria-disabled="true"] { opacity: 0.55; cursor: not-allowed; pointer-events: none; }
.btn:focus-visible { outline: 3px solid var(--color-lime); outline-offset: 2px; }
.btn-primary { background: var(--color-lime); color: var(--color-ink); border-color: var(--color-lime); }
.btn-primary:hover { background: var(--color-lime-2); border-color: var(--color-lime-2); transform: translateY(-1px); }
.btn-primary:active { transform: translateY(0); background: var(--color-lime-deep); color: var(--color-lime); border-color: var(--color-lime-deep); }
.btn-ghost { background: transparent; color: var(--color-ink); border-color: var(--color-ink); }
.btn-ghost:hover { background: var(--color-ink); color: var(--color-cream); }
.btn-ghost:active { background: var(--color-ink-2); }
.btn-ghost-dark { background: transparent; color: #fff; border-color: rgba(255,255,255,0.35); padding: 12px 20px; border-radius: 999px; font-weight: 700; font-size: 14.5px; display: inline-flex; align-items: center; gap: 8px; border-width: 1.5px; border-style: solid; transition: background 140ms, color 140ms, border-color 140ms; }
.btn-ghost-dark:hover { background: #fff; color: var(--color-ink); border-color: #fff; }
.btn-on-dark { background: var(--color-lime); color: var(--color-ink); border-color: var(--color-lime); }
.btn-on-dark:hover { background: var(--color-lime-2); }

.link-arrow {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-weight: 700;
    color: var(--color-ink);
    border-bottom: 1.5px solid var(--color-ink);
    padding-bottom: 1px;
    transition: gap 120ms ease, color 120ms ease, border-color 120ms ease;
}
.link-arrow:hover { gap: 12px; color: var(--color-coral); border-color: var(--color-coral); }

.tag {
    display: inline-block;
    font-family: var(--font-mono);
    font-size: 10.5px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    background: var(--color-soft);
    color: var(--color-ink-2);
    padding: 5px 9px;
    border-radius: 999px;
}
.tag-accent { background: var(--color-lime); color: var(--color-lime-deep); }
.tags { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 10px; }

.rank-badge {
    font-family: var(--font-display);
    font-weight: 800;
    font-size: 32px;
    letter-spacing: -0.04em;
    display: inline-flex;
    align-items: center;
    line-height: 1;
    color: var(--color-ink);
    font-variant-numeric: tabular-nums;
}
.rank-badge.rank-1 { color: var(--color-ink); }
.rank-badge.rank-2 { color: var(--color-coral); }
.rank-badge.rank-3 { color: var(--color-lime-deep); }

.score-chip {
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 22px;
    letter-spacing: -0.035em;
    padding: 8px 14px;
    border-radius: 2px;
    display: inline-block;
    line-height: 1;
    font-variant-numeric: tabular-nums;
}
.score-high { background: var(--color-lime); color: var(--color-lime-deep); }
.score-mid { background: var(--color-mint); color: #1F4128; }
.score-low { background: var(--color-soft); color: var(--color-ink); }

/* Header */
.site-header { background: var(--color-ink); color: #fff; border-bottom: 2px solid var(--color-lime); }
.header-inner {
    width: 100%;
    max-width: var(--container-site);
    padding: 0 var(--gutter);
    margin: 0 auto;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
    height: 76px;
}
.brand { display: inline-flex; align-items: center; gap: 12px; font-family: var(--font-display); font-weight: 700; letter-spacing: -0.02em; font-size: 17px; color: #fff; }
.brand-mark { display: inline-flex; align-items: center; justify-content: center; width: 34px; height: 34px; background: var(--color-lime); color: var(--color-lime-deep); font-size: 11.5px; font-weight: 800; }
.brand-inverse { color: #fff; }
.primary-nav ul { display: flex; gap: 32px; }
.primary-nav a { font-size: 14.5px; color: rgba(255,255,255,0.72); font-weight: 500; padding: 6px 0; transition: color 120ms; }
.primary-nav a:hover { color: var(--color-lime); }
.primary-nav a[aria-current="page"] { color: var(--color-lime); border-bottom: 2px solid var(--color-lime); }
.nav-toggle { display: none; width: 40px; height: 40px; align-items: center; justify-content: center; background: transparent; border: 1px solid rgba(255,255,255,0.3); color: #fff; border-radius: 4px; }
.nav-toggle-icon-close { display: none; }
.nav-toggle[aria-expanded="true"] .nav-toggle-icon-open { display: none; }
.nav-toggle[aria-expanded="true"] .nav-toggle-icon-close { display: block; }
.mobile-nav { display: none; background: var(--color-ink); border-top: 1px solid rgba(255,255,255,0.1); }
.mobile-nav ul { display: flex; flex-direction: column; padding: 12px 28px 20px; gap: 4px; }
.mobile-nav a { display: block; padding: 12px 0; color: rgba(255,255,255,0.8); font-size: 16px; font-weight: 500; transition: color 120ms; }
.mobile-nav a:hover { color: var(--color-lime); }
.mobile-nav.is-open { display: block; }

@media (max-width: 960px) {
    .primary-nav, .header-cta { display: none; }
    .nav-toggle { display: inline-flex; }
}

/* Hero */
.hero {
    background: var(--color-ink);
    color: #fff;
    padding: 96px 0 112px;
    position: relative;
    overflow: hidden;
}
.hero::before {
    content: "";
    position: absolute;
    top: -180px; right: -160px;
    width: 540px; height: 540px;
    border-radius: 50%;
    background: radial-gradient(circle at center, rgba(212,242,94,0.35), rgba(212,242,94,0) 65%);
    pointer-events: none;
}
.hero::after {
    content: "";
    position: absolute;
    bottom: -160px; left: -80px;
    width: 380px; height: 380px;
    border-radius: 50%;
    background: radial-gradient(circle at center, rgba(255,107,61,0.22), rgba(255,107,61,0) 65%);
    pointer-events: none;
}
.hero-grid {
    width: 100%;
    max-width: var(--container-site);
    padding: 0 var(--gutter);
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1.3fr 1fr;
    gap: 72px;
    align-items: start;
    position: relative;
}
.hero-copy h1 {
    font-size: clamp(36px, 4.875vw, 69px);
    letter-spacing: -0.035em;
    line-height: 1.05;
    margin-bottom: 28px;
    color: #fff;
}
.hero-copy .lede {
    font-size: 19px;
    color: rgba(255,255,255,0.78);
    max-width: 56ch;
    margin-bottom: 36px;
}
.hero-cta { display: flex; gap: 12px; flex-wrap: wrap; }

.hero-card {
    background: var(--color-cream);
    color: var(--color-ink);
    border-radius: 2px;
    padding: 32px;
    position: relative;
    overflow: hidden;
    box-shadow: var(--shadow-pop);
}
.hero-card::before { content: ""; position: absolute; inset: 0 0 auto 0; height: 12px; background: linear-gradient(90deg, var(--color-lime), var(--color-coral)); }
.hero-card-rank { display: flex; align-items: center; gap: 16px; margin-bottom: 24px; position: relative; }
.hero-card-rank h2 { font-size: 28px; letter-spacing: -0.03em; margin: 0; }
.hero-card-specs { border-top: 1px solid var(--color-line); margin: 0 0 22px; position: relative; }
.hero-card-specs li { display: flex; justify-content: space-between; align-items: center; padding: 14px 0; border-bottom: 1px solid var(--color-line); font-size: 14.5px; }
.hero-card-specs span { color: var(--color-ink-3); }
.hero-card-specs strong { font-weight: 700; font-variant-numeric: tabular-nums; }
.hero-card .microcopy { color: var(--color-ink-3); font-size: 13.5px; margin-bottom: 18px; position: relative; }

/* Trust */
.trust { background: var(--color-lime); color: var(--color-lime-deep); }
.trust-grid {
    width: 100%;
    max-width: var(--container-site);
    padding: 0 var(--gutter);
    margin: 0 auto;
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0;
}
.trust-item { padding: 40px 32px; border-right: 1.5px solid rgba(42,58,14,0.18); display: flex; flex-direction: column; gap: 12px; }
.trust-item:first-child { padding-left: 0; }
.trust-item:last-child { border-right: none; padding-right: 0; }
.trust-num { font-family: var(--font-display); font-weight: 800; font-size: 56px; letter-spacing: -0.05em; font-variant-numeric: tabular-nums; line-height: 0.9; }
.trust-item p { color: rgba(42,58,14,0.78); font-size: 14.5px; font-weight: 500; max-width: 28ch; }

/* Section heads */
.section-head { margin-bottom: 56px; max-width: 820px; }
.section-head h2 { font-size: clamp(34px, 4.2vw, 60px); letter-spacing: -0.032em; line-height: 0.98; margin-bottom: 18px; }
.section-head .section-lede { color: var(--color-ink-2); font-size: 18px; max-width: 60ch; }

/* Rankings */
.rankings { padding: 112px 0; background: var(--color-soft); border-top: 1px solid var(--color-line); border-bottom: 1px solid var(--color-line); }
.rankings-grid { display: grid; grid-template-columns: 1fr 1.74fr; gap: 88px; align-items: start; }
.rankings-intro { position: sticky; top: 100px; }
.rankings-intro h2 { font-size: clamp(34px, 3.6vw, 52px); margin-bottom: 18px; }
.rankings-intro .section-lede { color: var(--color-ink-2); font-size: 17px; max-width: 38ch; }
.rankings-cta { margin-top: 28px; }

.lender-stack { display: flex; flex-direction: column; }
.lender-list { display: flex; flex-direction: column; gap: 16px; list-style: none; padding: 0; margin: 0; }
.lender-fade {
    margin-top: 16px;
    -webkit-mask-image: linear-gradient(to bottom, rgba(0,0,0,1) 0%, rgba(0,0,0,0) 100%);
            mask-image: linear-gradient(to bottom, rgba(0,0,0,1) 0%, rgba(0,0,0,0) 100%);
    pointer-events: none;
}
.lender-fade .lender-list { gap: 16px; }
.lender-ghost { background: var(--color-surface); }
.lender-ghost:hover { transform: none; box-shadow: none; border-color: var(--color-line); }
.lender {
    background: var(--color-surface);
    border: 1px solid var(--color-line);
    border-radius: 2px;
    padding: 22px 24px;
    display: grid;
    grid-template-columns: 52px minmax(0, 1fr) auto auto;
    gap: 22px;
    align-items: center;
    transition: transform 140ms ease, box-shadow 140ms ease, border-color 140ms ease;
    color: var(--color-ink);
}
.lender:hover { transform: translateY(-2px); box-shadow: var(--shadow-card); border-color: var(--color-ink); }
.lender-list-top .lender:nth-child(1) { background: var(--color-ink); color: #fff; border-color: var(--color-ink); }
.lender-list-top .lender:nth-child(1) .rank-badge { color: var(--color-lime); }
.lender-list-top .lender:nth-child(1) .score-label { color: rgba(255,255,255,0.55); }
.lender-list-top .lender:nth-child(1) .tag { background: rgba(255,255,255,0.1); color: rgba(255,255,255,0.82); }
.lender-list-top .lender:nth-child(2) { background: #FFF8F4; border-color: #F4D9CC; }
.lender-list-top .lender:nth-child(3) { background: #F4F9E8; border-color: #DCE9B8; }

.lender-id { display: flex; align-items: center; gap: 16px; min-width: 0; }
.lender-id h3 { font-size: 20px; letter-spacing: -0.024em; margin-bottom: 8px; }
.lender-id .tags { margin-top: 0; gap: 5px; }
.lender-id .tag { font-size: 10.5px; padding: 4px 8px; }
.lender-monogram {
    width: 48px; height: 48px;
    border-radius: 50%;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 16px;
    background: var(--color-ink);
    color: var(--color-lime);
    flex-shrink: 0;
}
.lender-list-top .lender:nth-child(1) .lender-monogram { background: var(--color-lime); color: var(--color-lime-deep); }
.lender-list-top .lender:nth-child(2) .lender-monogram { background: var(--color-coral); color: #fff; }
.lender-list-top .lender:nth-child(3) .lender-monogram { background: var(--color-lime); color: var(--color-lime-deep); }
.lender-logo {
    width: 120px;
    height: 48px;
    object-fit: contain;
    object-position: left center;
    background: transparent;
    flex-shrink: 0;
}
.lender-list-top .lender:nth-child(1) .lender-logo {
    background: #fff;
    padding: 4px 8px;
    border-radius: 6px;
    object-position: center;
}
.lender-score { display: flex; flex-direction: column; align-items: center; gap: 6px; }
.score-label { font-family: var(--font-mono); font-size: 10px; text-transform: uppercase; letter-spacing: 0.06em; color: var(--color-ink-3); font-weight: 500; }
.btn-review {
    width: auto;
    min-width: 56px;
    height: 44px;
    padding: 0 18px;
    background: var(--color-ink);
    color: #fff;
    border: 1.5px solid var(--color-ink);
    border-radius: 999px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
    font-weight: 700;
    font-size: 14px;
    transition: background 140ms, color 140ms, border-color 140ms, transform 140ms;
}
.btn-review:hover { background: var(--color-lime); color: var(--color-lime-deep); border-color: var(--color-lime); transform: translateY(-1px) scale(1.04); }
.btn-review-text { font-family: var(--font-sans); font-weight: 700; font-size: 13px; letter-spacing: -0.01em; }
.btn-review img { width: 18px; height: 18px; filter: invert(1) brightness(2); }
.btn-review:hover img { filter: none; }
.lender-list-top .lender:nth-child(1) .btn-review { background: var(--color-lime); color: var(--color-lime-deep); border-color: var(--color-lime); }
.lender-list-top .lender:nth-child(1) .btn-review img { filter: none; }
.lender-list-top .lender:nth-child(1) .btn-review:hover { background: #fff; color: var(--color-ink); border-color: #fff; }
.lender-list-top .lender:nth-child(1) .btn-review:hover img { filter: none; }

/* Methodology */
.methodology { background: var(--color-ink); color: #fff; padding: 88px 0; position: relative; overflow: hidden; }
.methodology::before { content: ""; position: absolute; top: -120px; right: -120px; width: 420px; height: 420px; border-radius: 50%; background: radial-gradient(circle at center, rgba(212,242,94,0.18), rgba(212,242,94,0) 65%); }
.method-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 96px; align-items: start; position: relative; }
.method-intro h2 { font-size: clamp(34px, 4vw, 56px); color: #fff; margin-bottom: 22px; }
.method-intro .lede { font-size: 18px; color: rgba(255,255,255,0.72); margin-bottom: 32px; max-width: 44ch; }
.criteria { display: grid; gap: 0; border-top: 1px solid rgba(255,255,255,0.16); }
.criteria li { display: grid; grid-template-columns: 88px 1fr; column-gap: 24px; row-gap: 6px; padding: 20px 0; border-bottom: 1px solid rgba(255,255,255,0.16); align-items: baseline; }
.criteria-weight { grid-row: 1 / span 2; font-family: var(--font-display); font-weight: 700; font-size: 36px; letter-spacing: -0.04em; color: var(--color-lime); font-variant-numeric: tabular-nums; line-height: 1; align-self: center; }
.criteria li:nth-child(2) .criteria-weight { color: var(--color-coral); }
.criteria li:nth-child(3) .criteria-weight { color: var(--color-mint-2); }
.criteria li:nth-child(4) .criteria-weight { color: var(--color-sky); }
.criteria h3, .criteria p { grid-column: 2; }
.criteria h3 { font-size: 18px; color: #fff; }
.criteria p { font-size: 14.5px; color: rgba(255,255,255,0.7); max-width: 56ch; }

/* Learn / Explainer */
.learn { padding: 64px 0; background: var(--color-cream); }
.learn-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.explainer { background: var(--color-surface); border: 1px solid var(--color-line); padding: 32px 28px; display: flex; flex-direction: column; gap: 16px; position: relative; overflow: hidden; transition: transform 140ms, box-shadow 140ms, border-color 140ms; }
.explainer:hover { transform: translateY(-3px); box-shadow: var(--shadow-card); border-color: var(--color-ink); }
.explainer::before { content: ""; position: absolute; inset: 0 0 auto 0; height: 10px; background: var(--color-lime); }
.explainer:nth-child(2)::before { background: var(--color-coral); }
.explainer:nth-child(3)::before { background: var(--color-mint-2); }
.explainer:nth-child(4)::before { background: var(--color-sky); }
.explainer-num { font-family: var(--font-display); font-weight: 800; font-size: 14px; letter-spacing: 0.04em; margin-top: 8px; }
.explainer h3 { font-size: 26px; letter-spacing: -0.025em; }
.explainer p { color: var(--color-ink-2); font-size: 15px; flex: 1; }

/* Blog */
.blog { background: var(--color-soft); padding: 88px 0; border-top: 1px solid var(--color-line); border-bottom: 1px solid var(--color-line); }
.blog-grid { display: grid; grid-template-columns: 1fr 1.34fr; gap: 40px; align-items: stretch; }
.blog-side { display: grid; grid-template-columns: 1fr 1fr; gap: 28px 24px; }
.post {
    display: flex;
    flex-direction: column;
    gap: 0;
    background: var(--color-surface);
    border: 1px solid var(--color-line);
    overflow: hidden;
    transition: transform 140ms, box-shadow 140ms, border-color 140ms;
}
.post:hover { transform: translateY(-3px); box-shadow: var(--shadow-card); border-color: var(--color-ink); }
.post .post-media { border: none; margin: 0; display: block; }
.post > :not(.post-media) { padding-left: 18px; padding-right: 18px; }
.post > .post-media + * { padding-top: 16px; }
.post > :last-child { padding-bottom: 18px; }
.post > :not(.post-media) + :not(.post-media) { padding-top: 8px; }
.post .card-byline { margin-top: auto; padding-top: 16px; }
.blog-card .card-byline { margin-top: auto; padding-top: 16px; }
.card-byline { display: flex; align-items: center; gap: 10px; font-size: 13px; color: var(--color-ink-3); font-weight: 500; }
.card-byline .byline-thumb { width: 32px; height: 32px; border-radius: 50%; object-fit: cover; flex-shrink: 0; display: block; }
.post-feature { gap: 0; }
.post-feature .post-media { aspect-ratio: auto; flex: 1 1 0; min-height: 0; }
.post-feature .post-media img { width: 100%; height: 100%; object-fit: cover; display: block; }
.post-feature-author { display: flex; align-items: center; gap: 14px; }
.post-feature-author img { width: 64px; height: 64px; border-radius: 50%; object-fit: cover; flex-shrink: 0; }
.post-feature-author h3 { font-size: 22px; letter-spacing: -0.022em; margin: 0; }
.post-feature-author-role { font-family: var(--font-mono); font-size: 11px; text-transform: uppercase; letter-spacing: 0.08em; color: var(--color-ink-3); margin: 4px 0 0; }
.post-media { display: block; overflow: hidden; background: var(--color-soft); border: 1px solid var(--color-line); }
.post-media img { width: 100%; height: auto; display: block; opacity: 1; }
.post-meta { display: flex; flex-wrap: wrap; align-items: center; gap: 10px; font-size: 13px; color: var(--color-ink-3); font-weight: 500; }
.post h3 { font-size: 19px; letter-spacing: -0.022em; }
.post-feature h3 { font-size: 40px; letter-spacing: -0.034em; line-height: 1.02; }
.post h3 a { transition: color 120ms; }
.post h3 a:hover { color: var(--color-coral); }
.post .byline { font-size: 13.5px; color: var(--color-ink-3); margin-top: 4px; font-weight: 500; }
.blog-cta { text-align: center; margin-top: 48px; }

/* Editors / Authors */
.editors { padding: 72px 0; background: var(--color-cream); }
.editor-list { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.editor { background: var(--color-lime); border: 1px solid var(--color-lime); display: flex; flex-direction: column; overflow: hidden; color: var(--color-lime-deep); }
.editor-head { background: var(--color-ink); color: #fff; padding: 28px; display: flex; flex-direction: column; gap: 4px; }
.editor-head img { width: 72px; height: 72px; border-radius: 50%; margin-bottom: 16px; object-fit: cover; }
.editor-head h3 { font-size: 20px; color: #fff; }
.editor .role { font-family: var(--font-mono); font-size: 11.5px; text-transform: uppercase; letter-spacing: 0.06em; font-weight: 500; color: var(--color-lime); }
.editor-body { padding: 24px 28px 28px; display: flex; flex-direction: column; gap: 14px; flex: 1; }
.editor p { color: var(--color-lime-deep); font-size: 14.5px; }
.editor .link-arrow { margin-top: auto; padding-top: 8px; font-size: 13.5px; color: var(--color-lime-deep); border-color: var(--color-lime-deep); }
.editor .link-arrow:hover { color: var(--color-ink); border-color: var(--color-ink); }

/* Footer */
.site-footer { background: var(--color-ink); color: rgba(255,255,255,0.78); padding: 96px 0 40px; position: relative; overflow: hidden; }
.site-footer::before { content: ""; position: absolute; bottom: -200px; right: -120px; width: 480px; height: 480px; border-radius: 50%; background: radial-gradient(circle at center, rgba(212,242,94,0.14), rgba(212,242,94,0) 65%); }
.footer-inner { width: 100%; max-width: var(--container-site); padding: 0 var(--gutter); margin: 0 auto; position: relative; }
.footer-top { display: grid; grid-template-columns: 1.2fr 2.4fr; gap: 80px; padding-bottom: 64px; border-bottom: 1px solid rgba(255,255,255,0.14); }
.footer-brand p { margin-top: 20px; font-size: 14.5px; max-width: 36ch; color: rgba(255,255,255,0.6); }
.footer-nav { display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; }
.footer-nav h4 { font-family: var(--font-mono); font-size: 11.5px; font-weight: 500; text-transform: uppercase; letter-spacing: 0.06em; color: var(--color-lime); margin-bottom: 18px; }
.footer-nav ul { display: flex; flex-direction: column; gap: 10px; }
.footer-nav a { font-size: 14.5px; color: rgba(255,255,255,0.68); transition: color 120ms; }
.footer-nav a:hover { color: var(--color-lime); }
.disclaimer { padding: 44px 0; border-bottom: 1px solid rgba(255,255,255,0.14); }
.disclaimer h4 { font-family: var(--font-mono); font-size: 11.5px; font-weight: 500; text-transform: uppercase; letter-spacing: 0.06em; color: var(--color-coral); margin-bottom: 16px; }
.disclaimer p { font-size: 13.5px; line-height: 1.7; color: rgba(255,255,255,0.6); max-width: 95ch; margin-bottom: 12px; }
.disclaimer p:last-child { margin-bottom: 0; }
.footer-bottom { display: flex; justify-content: space-between; align-items: center; padding-top: 32px; gap: 16px; }
.footer-bottom p { font-size: 13px; color: rgba(255,255,255,0.5); }

/* Utility-ish helpers (kept here so PHP stays inline-style-free) */
.text-lede { max-width: 60ch; color: var(--color-ink-2); font-size: 17px; }
.score-label-dark { color: rgba(255,255,255,0.6); }
.rank-badge-lime { color: var(--color-lime); }
.criteria-desc { font-size: 15px; font-weight: 500; font-family: var(--font-sans); line-height: 1.55; color: var(--color-ink-2); margin: 0; }

/* Lender detail */
.lender-detail-hero { background: var(--color-ink); color: #fff; padding: 80px 0 56px; position: relative; overflow: hidden; }
.lender-detail-hero::before { content: ""; position: absolute; top: -150px; right: -120px; width: 480px; height: 480px; border-radius: 50%; background: radial-gradient(circle at center, rgba(212,242,94,0.22), rgba(212,242,94,0) 65%); }
.lender-detail-hero .container-site { position: relative; }
.lender-detail-hero h1 { font-size: clamp(36px, 5vw, 64px); color: #fff; margin: 18px 0 16px; }
.lender-detail-hero .lede { font-size: 18px; color: rgba(255,255,255,0.78); max-width: 60ch; }
.review-updated { font-family: var(--font-mono); font-size: 12px; color: rgba(255,255,255,0.55); margin-top: 14px; letter-spacing: 0.01em; }
.crumbs { font-family: var(--font-mono); font-size: 12px; color: rgba(255,255,255,0.6); text-transform: uppercase; letter-spacing: 0.06em; display: flex; gap: 10px; align-items: center; }
.crumbs a { color: var(--color-lime); }
.lender-detail-hero .meta-row { display: flex; gap: 16px; align-items: center; margin-top: 24px; flex-wrap: wrap; }
.lender-detail-logo { background: #fff; display: inline-block; padding: 14px 22px; border-radius: 6px; margin-top: 22px; }
.lender-detail-logo img { max-width: 220px; max-height: 80px; width: auto; height: auto; object-fit: contain; display: block; }
.lender-shot { margin: 8px 0 28px; }
.lender-shot img { width: 100%; height: auto; display: block; border: 1px solid var(--color-line); border-radius: 4px; }
.lender-shot figcaption { font-family: var(--font-mono); font-size: 11px; text-transform: uppercase; letter-spacing: 0.05em; color: var(--color-ink-3); margin-top: 10px; }
.lender-section { padding: 64px 0; }
.lender-section.alt { background: var(--color-soft); border-top: 1px solid var(--color-line); border-bottom: 1px solid var(--color-line); }
.lender-section h2 { font-size: clamp(28px, 3vw, 40px); margin-bottom: 16px; }
.lender-spec-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin-top: 20px; }
.lender-spec-grid div { background: var(--color-surface); border: 1px solid var(--color-line); padding: 12px 14px; }
.lender-spec-grid dt { font-family: var(--font-mono); font-size: 9.5px; text-transform: uppercase; letter-spacing: 0.05em; color: var(--color-ink-3); margin-bottom: 4px; }
.lender-spec-grid dd { font-family: var(--font-display); font-size: 14px; letter-spacing: -0.01em; font-weight: 600; margin: 0; }
.pros-cons { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; margin-top: 32px; }
.pros-cons h3 { font-size: 20px; margin-bottom: 14px; }
.pros-cons ul li { padding: 10px 0; border-bottom: 1px solid var(--color-line); font-size: 15px; }
.pros-cons ul li:last-child { border-bottom: none; }
.not-a-lender-notice { background: var(--color-bone); border-left: 4px solid var(--color-coral); padding: 22px 26px; margin: 40px 0; font-size: 14.5px; color: var(--color-ink-2); }
.cta-row { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 28px; }

/* Article: full bleed hero with overlay */
.article { display: block; }
.article-hero {
    position: relative;
    min-height: 620px;
    display: flex;
    align-items: flex-end;
    overflow: hidden;
    background: var(--color-ink);
    color: #fff;
    padding: 96px 0 72px;
    border: 0;
}
.article-hero-img {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
    z-index: 0;
}
.article-hero-overlay {
    position: absolute;
    inset: 0;
    background:
        linear-gradient(180deg, rgba(10, 15, 13, 0.25) 0%, rgba(10, 15, 13, 0.55) 55%, rgba(10, 15, 13, 0.92) 100%),
        radial-gradient(60% 50% at 80% 0%, rgba(198, 242, 74, 0.18) 0%, rgba(198, 242, 74, 0) 70%);
    z-index: 1;
}
.article-hero-inner {
    position: relative;
    z-index: 2;
    width: 100%;
}
.article-crumbs {
    font-family: var(--font-mono);
    font-size: 11.5px;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: rgba(255, 255, 255, 0.65);
    display: flex;
    align-items: center;
    gap: 10px;
    flex-wrap: wrap;
    margin-bottom: 32px;
}
.article-crumbs a {
    color: rgba(255, 255, 255, 0.65);
    transition: color 120ms ease;
}
.article-crumbs a:hover { color: var(--color-lime); }
.article-crumbs .crumb-sep { color: rgba(255, 255, 255, 0.35); }

.article-hero h1 {
    font-family: var(--font-display);
    font-size: clamp(40px, 5.5vw, 84px);
    font-weight: 800;
    letter-spacing: -0.038em;
    line-height: 1.02;
    color: #fff;
    max-width: 22ch;
    margin: 0 0 24px;
    text-wrap: balance;
}
.article-hero-lede {
    font-size: 19px;
    color: rgba(255, 255, 255, 0.82);
    max-width: 56ch;
    line-height: 1.5;
}

/* Article meta bar */
.article-meta-bar {
    background: var(--color-cream);
    border-bottom: 1px solid var(--color-line);
}
.article-meta-grid {
    display: flex;
    justify-content: space-between;
    gap: 32px;
    align-items: center;
    padding: 28px var(--gutter);
    flex-wrap: wrap;
}
.byline {
    display: flex;
    align-items: center;
    gap: 14px;
}
.byline-avatar {
    width: 52px;
    height: 52px;
    border-radius: 50%;
    background: var(--color-soft);
    object-fit: cover;
    flex-shrink: 0;
}
.byline-name {
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 16px;
    letter-spacing: -0.02em;
    margin: 0 0 2px;
}
.byline-name a { color: var(--color-ink); border-bottom: 1.5px solid var(--color-ink); padding-bottom: 1px; }
.byline-name a:hover { color: var(--color-coral); border-color: var(--color-coral); }
.byline-role {
    font-family: var(--font-mono);
    font-size: 11px;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--color-ink-3);
    font-weight: 500;
    margin: 0;
}

.article-share {
    display: flex;
    align-items: center;
    gap: 10px;
}
.share-label {
    font-family: var(--font-mono);
    font-size: 11px;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--color-ink-3);
    font-weight: 500;
    margin-right: 4px;
}
.share-btn {
    width: 38px;
    height: 38px;
    border-radius: 50%;
    border: 1px solid var(--color-line-2);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    color: var(--color-ink);
    transition: background 120ms ease, color 120ms ease, border-color 120ms ease, transform 120ms ease;
}
.share-btn img { width: 16px; height: 16px; }
.share-btn:hover {
    background: var(--color-ink);
    border-color: var(--color-ink);
    transform: translateY(-1px);
}
.share-btn:hover img { filter: invert(89%) sepia(45%) saturate(530%) hue-rotate(28deg) brightness(105%); }

/* Article body layout */
.article-layout {
    display: block;
    padding: 88px var(--gutter);
    max-width: 820px;
    margin: 0 auto;
}
.article-body {
    margin: 0 auto;
    max-width: 68ch;
    font-size: 18px;
    line-height: 1.7;
    color: var(--color-ink-2);
    padding: 0;
    background: transparent;
}
.article-body article { display: contents; }
.article-body p { margin: 0 0 24px; }
.article-body p:last-of-type { margin-bottom: 0; }
.article-body > article > p:first-of-type,
.article-body article > p:first-child {
    font-size: 21px;
    line-height: 1.6;
    color: var(--color-ink);
    font-weight: 500;
    margin-bottom: 40px;
}
.article-body > article > p:first-of-type::first-letter,
.article-body article > p:first-child::first-letter {
    font-family: var(--font-display);
    font-weight: 800;
    font-size: 88px;
    line-height: 0.85;
    letter-spacing: -0.045em;
    float: left;
    margin: 6px 14px -2px 0;
    color: var(--color-coral);
}
.article-body h2 {
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 34px;
    letter-spacing: -0.028em;
    line-height: 1.1;
    color: var(--color-ink);
    margin: 56px 0 20px;
    scroll-margin-top: 32px;
}
.article-body h3 {
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 22px;
    letter-spacing: -0.022em;
    line-height: 1.2;
    color: var(--color-ink);
    margin: 40px 0 14px;
}
.article-body a {
    color: var(--color-ink);
    border-bottom: 1.5px solid var(--color-coral);
    padding-bottom: 1px;
    transition: color 120ms ease, background 120ms ease;
}
.article-body a:hover { background: var(--color-lime); }
.article-body ul, .article-body ol {
    margin: 0 0 28px;
    padding: 0;
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 12px;
}
.article-body ul li {
    position: relative;
    padding-left: 26px;
    font-size: 18px;
    line-height: 1.6;
}
.article-body ul li::before {
    content: "";
    position: absolute;
    left: 0;
    top: 0.7em;
    width: 12px;
    height: 2px;
    background: var(--color-coral);
}
.article-body ol { counter-reset: article-ol; }
.article-body ol li {
    counter-increment: article-ol;
    position: relative;
    padding-left: 30px;
    font-size: 18px;
    line-height: 1.6;
}
.article-body ol li::before {
    content: counter(article-ol) ".";
    position: absolute;
    left: 0;
    top: 0;
    font-family: var(--font-mono);
    font-weight: 600;
    color: var(--color-coral);
}
.article-body strong { color: var(--color-ink); }
.article-body blockquote {
    margin: 48px -32px;
    padding: 32px 36px;
    border-left: 4px solid var(--color-coral);
    background: transparent;
}
.article-body blockquote p {
    font-family: var(--font-display);
    font-weight: 600;
    font-size: 28px;
    line-height: 1.2;
    letter-spacing: -0.022em;
    color: var(--color-ink);
    margin: 0 0 16px;
    text-wrap: balance;
}
.article-body figure {
    margin: 48px 0;
    display: flex;
    flex-direction: column;
    gap: 14px;
}
.article-body figure img {
    width: 100%;
    border: 1px solid var(--color-line);
}
.article-body figure figcaption {
    font-family: var(--font-mono);
    font-size: 12px;
    color: var(--color-ink-3);
    line-height: 1.5;
    padding-left: 16px;
    border-left: 2px solid var(--color-coral);
}

/* End mark */
.article-end {
    margin-top: 48px;
    padding-top: 32px;
    border-top: 1px solid var(--color-line);
}
.article-end-mark {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 40px;
    height: 40px;
    background: var(--color-ink);
    color: var(--color-lime);
    border-radius: 2px;
    font-family: var(--font-display);
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 0;
}

/* Author bio block under article */
.article-author {
    background: var(--color-soft);
    border-top: 1px solid var(--color-line);
    border-bottom: 1px solid var(--color-line);
    padding: 72px 0;
}
.article-author-inner {
    display: grid;
    grid-template-columns: 160px 1fr;
    gap: 40px;
    align-items: start;
    max-width: 980px;
}
.article-author-avatar {
    width: 160px;
    height: 160px;
    border-radius: 50%;
    object-fit: cover;
    background: var(--color-lime);
}
.article-author-body { max-width: 60ch; }
.article-author-label {
    font-family: var(--font-mono);
    font-size: 11px;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: var(--color-ink-3);
    font-weight: 500;
    margin: 0 0 12px;
}
.article-author h2 {
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 32px;
    letter-spacing: -0.028em;
    color: var(--color-ink);
    margin: 0 0 4px;
}
.article-author-role {
    font-family: var(--font-mono);
    font-size: 11.5px;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--color-coral);
    font-weight: 500;
    margin: 0 0 16px;
}
.article-author-body > p {
    font-size: 16px;
    line-height: 1.6;
    color: var(--color-ink-2);
    margin: 0 0 16px;
}

/* Related articles */
.article-related {
    padding: 72px 0 96px;
    background: var(--color-cream);
    border-top: 1px solid var(--color-line);
}
.article-related .section-head { margin-bottom: 40px; }
.article-related .section-head h2 { font-size: clamp(28px, 3vw, 40px); }
.related-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }

/* Article responsive */
@media (max-width: 1100px) {
    .article-layout { padding: 72px var(--gutter); }
    .article-body blockquote { margin-left: 0; margin-right: 0; }
}
@media (max-width: 960px) {
    .article-hero { min-height: 480px; padding: 80px 0 56px; }
    .article-meta-grid { gap: 24px; padding: 28px var(--gutter); align-items: flex-start; }
    .article-share { width: 100%; }
    .article-author-inner { grid-template-columns: 1fr; gap: 24px; }
    .article-author-avatar { width: 120px; height: 120px; }
}
@media (max-width: 560px) {
    .article-hero { min-height: 420px; padding: 64px 0 44px; }
    .article-hero h1 { font-size: 34px; line-height: 1.05; }
    .article-hero-lede { font-size: 16px; }
    .article-layout { padding: 48px var(--gutter); }
    .article-body { font-size: 17px; }
    .article-body h2 { font-size: 26px; margin: 40px 0 16px; }
    .article-body h3 { font-size: 19px; margin: 28px 0 12px; }
    .article-body > article > p:first-of-type,
    .article-body article > p:first-child { font-size: 19px; }
    .article-body > article > p:first-of-type::first-letter,
    .article-body article > p:first-child::first-letter { font-size: 64px; margin-right: 10px; }
    .article-body blockquote { padding: 24px; margin: 32px 0; }
    .article-body blockquote p { font-size: 22px; }
    .article-body figure { margin: 32px 0; }
    .article-author { padding: 56px 0; }
    .article-author h2 { font-size: 26px; }
    .article-related { padding: 56px 0 72px; }
}

/* Blog index */
.blog-index { padding: 64px 0; background: var(--color-cream); }
.blog-index-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.blog-card { display: flex; flex-direction: column; gap: 0; background: var(--color-surface); border: 1px solid var(--color-line); padding: 0; transition: transform 140ms, box-shadow 140ms, border-color 140ms; overflow: hidden; }
.blog-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-card); border-color: var(--color-ink); }
.blog-card .post-media { border-radius: 0; border: none; margin: 0; display: block; }
.blog-card > :not(.post-media) { padding-left: 18px; padding-right: 18px; }
.blog-card > .post-media + * { padding-top: 16px; }
.blog-card > :last-child { padding-bottom: 18px; }
.blog-card > :not(.post-media) + :not(.post-media) { padding-top: 8px; }
.blog-card h3 { font-size: 19px; }
.blog-card p { font-size: 14.5px; color: var(--color-ink-2); }
.blog-card .byline { font-size: 12.5px; color: var(--color-ink-3); }
.pagination { display: flex; justify-content: center; gap: 6px; margin-top: 56px; }
.pagination a, .pagination span { display: inline-flex; align-items: center; justify-content: center; min-width: 40px; height: 40px; padding: 0 12px; border: 1px solid var(--color-line); background: var(--color-surface); font-weight: 600; font-size: 14px; color: var(--color-ink); transition: background 140ms, color 140ms, border-color 140ms; }
.pagination a:hover { background: var(--color-ink); color: var(--color-lime); border-color: var(--color-ink); }
.pagination .current { background: var(--color-ink); color: var(--color-lime); border-color: var(--color-ink); }
.pagination .disabled { opacity: 0.4; pointer-events: none; }

/* Page hero (utility) */
.page-hero { background: var(--color-ink); color: #fff; padding: 80px 0 64px; position: relative; overflow: hidden; }
.page-hero::before { content: ""; position: absolute; top: -150px; right: -120px; width: 460px; height: 460px; border-radius: 50%; background: radial-gradient(circle at center, rgba(212,242,94,0.22), rgba(212,242,94,0) 65%); }
.page-hero .container-site { position: relative; }
.page-hero h1 { font-size: clamp(38px, 5vw, 66px); color: #fff; margin: 14px 0 16px; }
.page-hero p { color: rgba(255,255,255,0.78); font-size: 18px; max-width: 60ch; }

/* Forms */
.form-grid { display: grid; gap: 18px; max-width: 640px; }
.form-field { display: flex; flex-direction: column; gap: 6px; }
.form-field label { font-family: var(--font-mono); font-size: 11.5px; text-transform: uppercase; letter-spacing: 0.06em; color: var(--color-ink-2); font-weight: 600; }
.form-field input, .form-field textarea, .form-field select {
    border: 1.5px solid var(--color-line);
    background: var(--color-surface);
    padding: 14px 16px;
    font: inherit;
    color: var(--color-ink);
    border-radius: 4px;
    transition: border-color 140ms, box-shadow 140ms;
}
.form-field input:hover, .form-field textarea:hover { border-color: var(--color-ink-3); }
.form-field input:focus, .form-field textarea:focus { outline: none; border-color: var(--color-ink); box-shadow: 0 0 0 3px rgba(198,242,74,0.4); }
.form-field input:disabled, .form-field textarea:disabled { opacity: 0.6; background: var(--color-soft); }
.form-field textarea { min-height: 160px; resize: vertical; }
.form-honey { position: absolute; left: -9999px; top: -9999px; visibility: hidden; }
.form-notice { padding: 18px 22px; border-left: 4px solid var(--color-lime); background: var(--color-bone); margin-bottom: 18px; }
.form-notice.error { border-left-color: var(--color-coral); }

/* FAQ */
.faq { padding: 88px 0; background: var(--color-cream); border-top: 1px solid var(--color-line); }
.faq-list { display: flex; flex-direction: column; border-top: 1px solid var(--color-line); margin-top: 36px; }
.faq-item { border-bottom: 1px solid var(--color-line); }
.faq-q { width: 100%; text-align: left; padding: 22px 0; background: none; border: none; display: flex; justify-content: space-between; align-items: center; gap: 16px; font-family: var(--font-display); font-size: 19px; font-weight: 700; color: var(--color-ink); cursor: pointer; }
.faq-q:hover { color: var(--color-coral); }
.faq-q .icon { font-family: var(--font-mono); font-size: 22px; font-weight: 500; transition: transform 200ms; }
.faq-item.is-open .faq-q .icon { transform: rotate(45deg); }
.faq-a { display: none; padding: 0 0 22px; color: var(--color-ink-2); max-width: 72ch; font-size: 16px; line-height: 1.65; }
.faq-item.is-open .faq-a { display: block; }

/* Final CTA */
.final-cta { padding: 88px 0; background: var(--color-ink); color: #fff; text-align: center; position: relative; overflow: hidden; }
.final-cta::before { content: ""; position: absolute; inset: 0; background: radial-gradient(circle at 50% 0%, rgba(212,242,94,0.18), transparent 60%); pointer-events: none; }
.final-cta h2 { font-size: clamp(34px, 4.2vw, 56px); color: #fff; margin-bottom: 18px; position: relative; }
.final-cta p { color: rgba(255,255,255,0.78); max-width: 56ch; margin: 0 auto 28px; position: relative; }
.final-cta .cta-row { justify-content: center; position: relative; }

/* Author page */
.author-hero { background: var(--color-soft); padding: 64px 0; border-bottom: 1px solid var(--color-line); }
.author-grid { display: grid; grid-template-columns: 220px 1fr; gap: 40px; align-items: center; }
.author-grid img { width: 220px; height: 220px; object-fit: cover; border: 1px solid var(--color-line); }
.author-grid h1 { font-size: clamp(32px, 3.6vw, 48px); margin-bottom: 8px; }
.author-grid .role { font-family: var(--font-mono); font-size: 12px; text-transform: uppercase; letter-spacing: 0.06em; color: var(--color-coral); margin-bottom: 16px; }
.author-grid p { font-size: 17px; color: var(--color-ink-2); max-width: 64ch; }
.author-articles { padding: 64px 0; background: var(--color-cream); }

/* About */
.about-section { padding: 64px 0; background: var(--color-cream); }
.about-section.alt { background: var(--color-soft); border-top: 1px solid var(--color-line); border-bottom: 1px solid var(--color-line); }
.about-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 64px; align-items: start; }
.about-grid h2 { font-size: clamp(28px, 3.4vw, 44px); }
.about-grid p { font-size: 17px; color: var(--color-ink-2); margin-bottom: 16px; }

/* Guides (short evergreen explainer pages) */
.guide { padding: 64px 0 88px; background: var(--color-cream); }
.guide-body { max-width: 720px; margin: 0 auto; font-size: 17px; line-height: 1.7; color: var(--color-ink-2); }
.guide-body h2 { font-size: 26px; margin: 36px 0 12px; color: var(--color-ink); letter-spacing: -0.022em; }
.guide-body h3 { font-size: 19px; margin: 26px 0 10px; color: var(--color-ink); }
.guide-body p { margin: 0 0 18px; }
.guide-body ul, .guide-body ol { margin: 0 0 22px; padding-left: 22px; list-style: disc; }
.guide-body ol { list-style: decimal; }
.guide-body li { margin-bottom: 8px; }
.guide-body a:not(.btn) { color: var(--color-ink); border-bottom: 1.5px solid var(--color-coral); padding-bottom: 1px; }
.guide-body a:not(.btn):hover { background: var(--color-lime); }
.guide-body strong { color: var(--color-ink); }
.guide-lede { font-size: 19px; color: var(--color-ink); font-weight: 500; margin-bottom: 28px; }

/* Category filter chips (Borrow Smarter) */
.category-filters {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    margin: 0 0 40px;
}
.category-filters a {
    display: inline-flex;
    align-items: center;
    font-family: var(--font-mono);
    font-size: 12px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    background: var(--color-soft);
    color: var(--color-ink-2);
    padding: 9px 16px;
    border-radius: 999px;
    border: 1.5px solid var(--color-line);
    transition: background 120ms ease, color 120ms ease, border-color 120ms ease;
}
.category-filters a:hover { border-color: var(--color-ink); color: var(--color-ink); }
.category-filters a.is-active {
    background: var(--color-ink);
    color: var(--color-lime);
    border-color: var(--color-ink);
}

/* Legal */
.legal { padding: 64px 0; background: var(--color-cream); }
.legal-content { max-width: 760px; margin: 0 auto; font-size: 16px; color: var(--color-ink-2); line-height: 1.7; }
.legal-content h2 { font-size: 26px; margin: 36px 0 14px; color: var(--color-ink); }
.legal-content h3 { font-size: 20px; margin: 24px 0 10px; color: var(--color-ink); }
.legal-content p, .legal-content ul, .legal-content ol { margin: 0 0 16px; }
.legal-content ul { padding-left: 22px; list-style: disc; }

/* Ranking page (compare.php) */
.ranking-results { background: var(--color-cream); padding: 64px 0 96px; border-bottom: 1px solid var(--color-line); }
.ranking-list { gap: 14px; }
.ranking-list .lender {
    grid-template-columns: 64px minmax(0, 1.5fr) minmax(0, 1.4fr) auto auto;
    gap: 28px;
    padding: 22px 26px;
}
.ranking-list .lender-rank { justify-self: start; }
.lender-specs { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; margin: 0; }
.lender-specs div { display: flex; flex-direction: column; gap: 2px; }
.lender-specs dt {
    order: 1;
    font-family: var(--font-mono);
    font-size: 10.5px;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--color-ink-3);
    font-weight: 500;
}
.lender-specs dd {
    order: 2;
    margin: 0;
    font-family: var(--font-display);
    font-weight: 600;
    font-size: 14.5px;
    letter-spacing: -0.018em;
    font-variant-numeric: tabular-nums;
    color: var(--color-ink);
}
.ranking-list .lender:nth-child(1),
.ranking-list .lender:nth-child(2),
.ranking-list .lender:nth-child(3) {
    background: var(--color-surface);
    border-color: var(--color-line);
    color: var(--color-ink);
}
.ranking-list .lender:nth-child(1) {
    padding: 32px 26px 32px 0;
    overflow: hidden;
}
.ranking-list .lender:nth-child(1) .lender-id { margin-left: 28px; }
.ranking-list .lender:nth-child(1) .lender-rank {
    align-self: stretch;
    background: var(--color-ink);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: -32px 0;
    padding: 28px 28px;
    width: auto;
    justify-self: start;
}
.ranking-list .lender:nth-child(1) .rank-badge {
    color: var(--color-lime);
    background: transparent;
    padding: 0;
    font-size: 48px;
    line-height: 1;
    font-weight: 800;
    letter-spacing: -0.05em;
}
.ranking-list .lender:nth-child(1) .lender-id h3 { font-size: 24px; }
.ranking-list .lender:nth-child(1) .score-chip { font-size: 28px; padding: 10px 16px; }
.ranking-list .lender:nth-child(1) .lender-logo { background: #fff; padding: 4px 8px; border-radius: 6px; object-position: center; }
.ranking-list .lender:nth-child(2) .rank-badge { color: rgba(10, 15, 13, 1); }
.ranking-list .lender:nth-child(3) .rank-badge { color: rgba(10, 15, 13, 0.88); }
.ranking-list .lender:nth-child(4) .rank-badge { color: rgba(10, 15, 13, 0.76); }
.ranking-list .lender:nth-child(5) .rank-badge { color: rgba(10, 15, 13, 0.64); }
.ranking-list .lender:nth-child(6) .rank-badge { color: rgba(10, 15, 13, 0.52); }
.ranking-list .lender:nth-child(7) .rank-badge { color: rgba(10, 15, 13, 0.40); }
.ranking-list .lender:nth-child(8) .rank-badge { color: rgba(10, 15, 13, 0.30); }

.ranking-note { background: var(--color-soft); border-bottom: 1px solid var(--color-line); padding: 72px 0; }
.ranking-note-inner { display: grid; grid-template-columns: 1.6fr auto; gap: 56px; align-items: center; }
.ranking-note h2 { font-size: clamp(28px, 3vw, 40px); margin-bottom: 14px; }
.ranking-note p { font-size: 16px; line-height: 1.6; color: var(--color-ink-2); max-width: 64ch; }

/* Responsive */
@media (max-width: 1180px) {
    .hero-grid { gap: 48px; }
    .rankings-grid { grid-template-columns: 1fr; gap: 48px; }
    .rankings-intro { position: static; }
    .blog-index-grid, .related-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 960px) {
    .hero { padding: 72px 0 80px; }
    .hero-grid { grid-template-columns: 1fr; gap: 48px; }
    .trust-grid { grid-template-columns: repeat(2, 1fr); }
    .trust-item { padding: 28px 20px; border-right: none; border-bottom: 1.5px solid rgba(42,58,14,0.18); }
    .trust-item:nth-child(odd) { border-right: 1.5px solid rgba(42,58,14,0.18); }
    .trust-item:nth-last-child(-n+2) { border-bottom: none; }
    .rankings, .learn, .methodology { padding: 88px 0; }
    .blog { padding: 72px 0; }
    .lender { grid-template-columns: 48px minmax(0, 1fr) auto; grid-template-areas: "rank id score" "rank id btn"; column-gap: 18px; row-gap: 10px; padding: 20px 22px; }
    .lender-rank { grid-area: rank; align-self: center; }
    .lender-id { grid-area: id; align-self: center; }
    .lender-score { grid-area: score; align-self: end; flex-direction: row; gap: 10px; }
    .btn-review { grid-area: btn; justify-self: end; }
    .ranking-list .lender {
        grid-template-columns: 56px minmax(0,1fr) auto;
        grid-template-areas: "rank id score" "specs specs specs";
        row-gap: 18px; column-gap: 20px;
    }
    .ranking-list .lender-rank { grid-area: rank; }
    .ranking-list .lender-id { grid-area: id; }
    .ranking-list .lender-score { grid-area: score; align-items: flex-end; }
    .lender-specs { grid-area: specs; border-top: 1px solid var(--color-line); padding-top: 16px; }
    .ranking-list .btn-review { display: none; }
    .ranking-list .lender:nth-child(1) .lender-id { margin-left: 0; }
    .ranking-note { padding: 56px 0; }
    .ranking-note-inner { grid-template-columns: 1fr; gap: 24px; align-items: start; }
    .method-grid { grid-template-columns: 1fr; gap: 56px; }
    .learn-grid { grid-template-columns: repeat(2, 1fr); }
    .blog-grid { grid-template-columns: 1fr; gap: 40px; }
    .post-feature .post-media { min-height: 280px; aspect-ratio: 16 / 9; }
    .editor-list { grid-template-columns: repeat(2, 1fr); }
    .footer-top { grid-template-columns: 1fr; gap: 48px; padding-bottom: 48px; }
    .footer-nav { grid-template-columns: repeat(2, 1fr); gap: 28px; }
    .related-grid, .blog-index-grid { grid-template-columns: repeat(2, 1fr); }
    .lender-spec-grid { grid-template-columns: 1fr; }
    .pros-cons, .about-grid { grid-template-columns: 1fr; gap: 32px; }
    .author-grid { grid-template-columns: 1fr; text-align: left; }
    .author-grid img { width: 160px; height: 160px; }
}
@media (max-width: 560px) {
    :root { --gutter: 20px; }
    .header-inner { height: 64px; }
    .brand-name { display: none; }
    .hero { padding: 56px 0 64px; }
    .hero-copy .lede { font-size: 16.5px; }
    .hero-cta { flex-direction: column; align-items: stretch; }
    .hero-cta .btn { width: 100%; }
    .trust-grid { grid-template-columns: 1fr; }
    .trust-item { border-right: none; border-bottom: 1.5px solid rgba(42,58,14,0.18); padding: 24px 0; }
    .trust-item:last-child { border-bottom: none; }
    .trust-num { font-size: 42px; }
    .rankings, .learn, .methodology, .blog { padding: 56px 0; }
    .section-head h2 { font-size: 32px; }
    .section-head { margin-bottom: 28px; }
    .lender { padding: 18px 18px; grid-template-columns: 44px minmax(0,1fr) auto; grid-template-areas: "rank id btn" "score score score"; column-gap: 14px; row-gap: 14px; }
    .lender-score { grid-area: score; flex-direction: row; align-items: center; gap: 10px; }
    .lender-id h3 { font-size: 17px; }
    .rank-badge { font-size: 26px; }
    .ranking-list .lender { padding: 18px 18px; column-gap: 14px; }
    .ranking-list .lender-specs { grid-template-columns: 1fr 1fr; gap: 14px; }
    .ranking-list .lender-specs div:nth-child(3) { grid-column: span 2; }
    .ranking-list .lender:nth-child(1) { padding: 0 18px 0 0; }
    .ranking-list .lender:nth-child(1) .lender-rank { margin: 0; padding: 16px 14px; }
    .ranking-list .lender:nth-child(1) .rank-badge { font-size: 32px; }
    .learn-grid { grid-template-columns: 1fr; }
    .blog-side { grid-template-columns: 1fr; }
    .blog-index-grid, .related-grid { grid-template-columns: 1fr; }
    .post-feature h3 { font-size: 26px; }
    .editor-list { grid-template-columns: 1fr; }
    .footer-bottom { flex-direction: column; align-items: flex-start; gap: 6px; }
}