/* PaydayLoanDial — shared stylesheet
   Style: Inclusive Design (WCAG-AAA leaning), monochrome + blue accent
   Fonts: Lexend (display) / Source Sans 3 (body) */

:root {
  --ink: #09090b;
  --ink-2: #18181b;
  --slate: #3f3f46;
  --slate-2: #52525b;
  --muted: #71717a;
  --line: #e4e4e7;
  --line-2: #d4d4d8;
  --bg: #ffffff;
  --bg-2: #fafafa;
  --bg-3: #f4f4f5;
  --brand: #1d4ed8;
  --brand-strong: #1e40af;
  --brand-tint: #eff4ff;
  --brand-tint-2: #dbe7ff;
  --good: #15803d;
  --good-tint: #ecfdf3;
  --warn: #b45309;
  --warn-tint: #fffbeb;
  --danger: #b91c1c;
  --danger-tint: #fef2f2;
  --focus: #2563eb;
  --radius: 14px;
  --radius-sm: 10px;
  --shadow-sm: 0 1px 2px rgba(9,9,11,.06), 0 1px 3px rgba(9,9,11,.05);
  --shadow: 0 4px 12px rgba(9,9,11,.06), 0 2px 6px rgba(9,9,11,.04);
  --shadow-lg: 0 18px 40px rgba(9,9,11,.10), 0 6px 14px rgba(9,9,11,.06);
  --maxw: 1120px;
  --ease: cubic-bezier(.2,.7,.3,1);
}

* { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .001ms !important; animation-iteration-count: 1 !important; transition-duration: .001ms !important; }
}

body {
  margin: 0;
  font-family: "Source Sans 3", system-ui, -apple-system, Segoe UI, Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink-2);
  background: var(--bg);
  line-height: 1.65;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

h1, h2, h3, h4, h5 {
  font-family: "Lexend", system-ui, sans-serif;
  color: var(--ink);
  line-height: 1.18;
  letter-spacing: -0.018em;
  margin: 0 0 .5em;
  font-weight: 600;
}
h1 { font-size: clamp(2rem, 4.6vw, 3.05rem); font-weight: 700; }
h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); }
h3 { font-size: clamp(1.18rem, 2vw, 1.4rem); }
p { margin: 0 0 1.1em; }
a { color: var(--brand-strong); text-underline-offset: 3px; text-decoration-thickness: 1px; }
a:hover { color: var(--brand); }

img { max-width: 100%; height: auto; display: block; }
ul, ol { margin: 0 0 1.2em; padding-left: 1.25em; }
li { margin: .4em 0; }

.wrap { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 22px; }

/* Skip link */
.skip {
  position: absolute; left: -9999px; top: 0; z-index: 100;
  background: var(--ink); color: #fff; padding: 12px 18px; border-radius: 0 0 10px 0;
  font-weight: 600;
}
.skip:focus { left: 0; color: #fff; }

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

/* ===== Header ===== */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.86);
  backdrop-filter: saturate(140%) blur(10px);
  border-bottom: 1px solid var(--line);
}
.nav {
  display: flex; align-items: center; justify-content: space-between;
  gap: 18px; min-height: 68px;
}
.brand {
  display: inline-flex; align-items: center; gap: 11px;
  font-family: "Lexend", sans-serif; font-weight: 700; font-size: 1.16rem;
  color: var(--ink); text-decoration: none; letter-spacing: -.02em;
}
.brand:hover { color: var(--ink); }
.brand .mark {
  width: 38px; height: 38px; border-radius: 10px; flex: none;
  background: linear-gradient(150deg, var(--brand) 0%, var(--brand-strong) 100%);
  display: grid; place-items: center; box-shadow: var(--shadow-sm);
}
.brand .mark svg { width: 22px; height: 22px; }
.brand small { display: block; font-family: "Source Sans 3", sans-serif; font-weight: 500; font-size: .66rem; letter-spacing: .14em; text-transform: uppercase; color: var(--muted); margin-top: -2px; }

.nav-links { display: flex; align-items: center; gap: 4px; list-style: none; margin: 0; padding: 0; }
.nav-links a {
  display: inline-block; padding: 9px 14px; border-radius: 9px;
  color: var(--slate); font-weight: 500; text-decoration: none; font-size: .98rem;
  transition: background .18s var(--ease), color .18s var(--ease);
}
.nav-links a:hover { background: var(--bg-3); color: var(--ink); }
.nav-links a[aria-current="page"] { color: var(--brand-strong); background: var(--brand-tint); font-weight: 600; }

.nav-toggle {
  display: none; align-items: center; justify-content: center;
  width: 44px; height: 44px; border: 1px solid var(--line-2); border-radius: 10px;
  background: #fff; cursor: pointer; color: var(--ink);
}
.nav-toggle svg { width: 22px; height: 22px; }

@media (max-width: 880px) {
  .nav-toggle { display: inline-flex; }
  .nav-links {
    position: absolute; left: 0; right: 0; top: 100%;
    flex-direction: column; align-items: stretch; gap: 2px;
    background: #fff; border-bottom: 1px solid var(--line);
    padding: 10px 16px 16px; box-shadow: var(--shadow);
    display: none;
  }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 12px 14px; font-size: 1.04rem; }
}

/* ===== Buttons ===== */
.btn {
  display: inline-flex; align-items: center; gap: 9px;
  font-family: "Lexend", sans-serif; font-weight: 600; font-size: 1rem;
  padding: 13px 22px; border-radius: 11px; cursor: pointer;
  text-decoration: none; border: 1px solid transparent;
  transition: transform .16s var(--ease), background .18s var(--ease), box-shadow .18s var(--ease);
  line-height: 1;
}
.btn svg { width: 18px; height: 18px; }
.btn-primary { background: var(--brand); color: #fff; box-shadow: var(--shadow-sm); }
.btn-primary:hover { background: var(--brand-strong); color: #fff; transform: translateY(-1px); box-shadow: var(--shadow); }
.btn-ghost { background: #fff; color: var(--ink); border-color: var(--line-2); }
.btn-ghost:hover { background: var(--bg-3); color: var(--ink); transform: translateY(-1px); }
.btn-lg { padding: 15px 26px; font-size: 1.05rem; }

/* ===== Hero ===== */
.hero { position: relative; overflow: hidden; background: var(--bg-2); border-bottom: 1px solid var(--line); }
.hero-grid {
  display: grid; grid-template-columns: 1.05fr .95fr; gap: 48px; align-items: center;
  padding: 64px 0 60px;
}
.hero .eyebrow { margin-bottom: 16px; }
.hero h1 { margin-bottom: 18px; }
.hero p.lead { font-size: 1.18rem; color: var(--slate); max-width: 38ch; }
.hero-cta { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 26px; }
.hero-media { position: relative; }
.hero-media img {
  width: 100%; border-radius: 18px; box-shadow: var(--shadow-lg);
  aspect-ratio: 1024/683; object-fit: cover;
}
.hero-badge {
  position: absolute; left: -14px; bottom: 22px;
  background: #fff; border: 1px solid var(--line); border-radius: 14px;
  padding: 14px 16px; box-shadow: var(--shadow-lg); display: flex; gap: 12px; align-items: center;
  max-width: 260px;
}
.hero-badge .ic { width: 40px; height: 40px; border-radius: 10px; background: var(--good-tint); color: var(--good); display: grid; place-items: center; flex: none; }
.hero-badge .ic svg { width: 22px; height: 22px; }
.hero-badge b { font-family: "Lexend", sans-serif; font-size: .98rem; color: var(--ink); }
.hero-badge span { font-size: .85rem; color: var(--muted); }

@media (max-width: 880px) {
  .hero-grid { grid-template-columns: 1fr; gap: 30px; padding: 44px 0 40px; }
  .hero p.lead { max-width: none; }
  .hero-badge { left: 12px; }
}

.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: "Lexend", sans-serif; font-weight: 600; font-size: .76rem;
  letter-spacing: .12em; text-transform: uppercase; color: var(--brand-strong);
  background: var(--brand-tint); border: 1px solid var(--brand-tint-2);
  padding: 6px 12px; border-radius: 999px;
}
.eyebrow svg { width: 15px; height: 15px; }

/* ===== Sections ===== */
section { padding: 64px 0; }
section.tight { padding: 44px 0; }
.section-head { max-width: 62ch; margin-bottom: 34px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head p { color: var(--slate); font-size: 1.08rem; margin-bottom: 0; }
.kicker {
  font-family: "Lexend", sans-serif; font-weight: 600; font-size: .8rem;
  letter-spacing: .12em; text-transform: uppercase; color: var(--brand-strong);
  margin-bottom: 10px; display: block;
}
.alt { background: var(--bg-2); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }

/* ===== Cards / grids ===== */
.grid { display: grid; gap: 22px; }
.grid.cols-2 { grid-template-columns: repeat(2, 1fr); }
.grid.cols-3 { grid-template-columns: repeat(3, 1fr); }
.grid.cols-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 980px) { .grid.cols-3, .grid.cols-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px) { .grid.cols-2, .grid.cols-3, .grid.cols-4 { grid-template-columns: 1fr; } }

.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 26px; box-shadow: var(--shadow-sm);
  transition: transform .18s var(--ease), box-shadow .18s var(--ease), border-color .18s var(--ease);
}
.card h3 { margin-bottom: .4em; }
.card p:last-child { margin-bottom: 0; }
.card .ic {
  width: 46px; height: 46px; border-radius: 12px; background: var(--brand-tint); color: var(--brand-strong);
  display: grid; place-items: center; margin-bottom: 16px;
}
.card .ic svg { width: 24px; height: 24px; }
a.card { text-decoration: none; color: inherit; display: block; }
a.card:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: var(--line-2); }
a.card .more { display: inline-flex; align-items: center; gap: 6px; color: var(--brand-strong); font-weight: 600; font-family: "Lexend", sans-serif; font-size: .95rem; margin-top: 6px; }
a.card:hover .more svg { transform: translateX(3px); }
a.card .more svg { width: 16px; height: 16px; transition: transform .18s var(--ease); }

/* Guide card w/ image */
.guide-card { overflow: hidden; padding: 0; }
.guide-card .thumb { aspect-ratio: 16/9; overflow: hidden; background: var(--bg-3); }
.guide-card .thumb img { width: 100%; height: 100%; object-fit: cover; transition: transform .4s var(--ease); }
.guide-card:hover .thumb img { transform: scale(1.04); }
.guide-card .body { padding: 22px 24px 24px; }
.guide-card .tag { font-size: .74rem; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--brand-strong); }

/* ===== Article layout ===== */
.article-hero { background: var(--bg-2); border-bottom: 1px solid var(--line); padding: 36px 0 0; }
.article-hero .wrap { max-width: 1120px; }
.article-figure {
  margin: 28px 0 0; border-radius: 16px; overflow: hidden; border: 1px solid var(--line);
  box-shadow: var(--shadow);
}
.article-figure img { width: 100%; aspect-ratio: 16/8.2; object-fit: cover; }
.article-body { padding: 50px 0 60px; }
.layout { display: grid; grid-template-columns: minmax(0,1fr) 290px; gap: 52px; align-items: start; }
@media (max-width: 960px) { .layout { grid-template-columns: 1fr; gap: 32px; } }
.prose { max-width: 70ch; }
.prose h2 { margin-top: 1.7em; padding-top: .2em; }
.prose h3 { margin-top: 1.4em; }
.prose > p:first-of-type { font-size: 1.16rem; color: var(--slate); }
.prose ul li::marker { color: var(--brand); }
.prose figure { margin: 1.6em 0; }

aside.sidebar { position: sticky; top: 92px; }
.sidebar .box { background: var(--bg-2); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; margin-bottom: 20px; }
.sidebar h4 { font-size: .82rem; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); margin-bottom: 12px; }
.sidebar ul { list-style: none; padding: 0; margin: 0; }
.sidebar ul li { margin: 0; border-bottom: 1px solid var(--line); }
.sidebar ul li:last-child { border-bottom: 0; }
.sidebar ul a { display: block; padding: 10px 0; color: var(--slate); text-decoration: none; font-weight: 500; font-size: .97rem; }
.sidebar ul a:hover { color: var(--brand-strong); }

/* Callouts */
.callout {
  border-radius: var(--radius); padding: 20px 22px; margin: 1.6em 0;
  border: 1px solid var(--line-2); background: var(--bg-2); position: relative;
}
.callout h4, .callout strong:first-child { font-family: "Lexend", sans-serif; }
.callout p:last-child { margin-bottom: 0; }
.callout.tip { background: var(--brand-tint); border-color: var(--brand-tint-2); }
.callout.warn { background: var(--warn-tint); border-color: #fde68a; }
.callout.note { background: var(--good-tint); border-color: #bbf7d0; }
.callout .label { display: inline-flex; gap: 7px; align-items: center; font-family: "Lexend", sans-serif; font-weight: 600; font-size: .95rem; margin-bottom: 6px; }
.callout .label svg { width: 18px; height: 18px; }
.callout.tip .label { color: var(--brand-strong); }
.callout.warn .label { color: var(--warn); }
.callout.note .label { color: var(--good); }

/* ===== Breadcrumb ===== */
.crumbs { font-size: .9rem; color: var(--muted); padding: 16px 0 4px; }
.crumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: 7px; padding: 0; margin: 0; align-items: center; }
.crumbs li { margin: 0; display: inline-flex; align-items: center; gap: 7px; }
.crumbs a { color: var(--slate); text-decoration: none; }
.crumbs a:hover { color: var(--brand-strong); text-decoration: underline; }
.crumbs svg { width: 14px; height: 14px; color: var(--line-2); }
.crumbs [aria-current="page"] { color: var(--ink-2); }

/* ===== Tables ===== */
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); margin: 1.6em 0; box-shadow: var(--shadow-sm); }
table.data { width: 100%; border-collapse: collapse; font-size: .98rem; min-width: 520px; }
table.data caption { text-align: left; padding: 14px 18px; font-family: "Lexend", sans-serif; font-weight: 600; color: var(--ink); border-bottom: 1px solid var(--line); background: var(--bg-2); }
table.data th, table.data td { padding: 13px 18px; text-align: left; border-bottom: 1px solid var(--line); }
table.data thead th { background: var(--bg-3); font-family: "Lexend", sans-serif; font-size: .86rem; letter-spacing: .02em; color: var(--slate); }
table.data tbody tr:last-child td { border-bottom: 0; }
table.data tbody tr:nth-child(even) { background: var(--bg-2); }
table.data td.num { font-variant-numeric: tabular-nums; }

/* ===== Stats strip ===== */
.stats { display: grid; grid-template-columns: repeat(4,1fr); gap: 18px; }
@media (max-width: 720px) { .stats { grid-template-columns: repeat(2,1fr); } }
.stat { text-align: center; padding: 22px 10px; }
.stat b { display: block; font-family: "Lexend", sans-serif; font-weight: 700; font-size: 2.1rem; color: var(--ink); letter-spacing: -.02em; }
.stat span { color: var(--muted); font-size: .92rem; }

/* ===== Testimonials ===== */
.t-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; box-shadow: var(--shadow-sm); display: flex; flex-direction: column; }
.t-card .quote { font-size: 1.04rem; color: var(--ink-2); margin-bottom: 18px; }
.t-card .who { display: flex; align-items: center; gap: 13px; margin-top: auto; }
.t-card .who img { width: 46px; height: 46px; border-radius: 50%; object-fit: cover; border: 2px solid #fff; box-shadow: var(--shadow-sm); }
.t-card .who b { font-family: "Lexend", sans-serif; font-size: .98rem; display: block; color: var(--ink); }
.t-card .who span { font-size: .85rem; color: var(--muted); }
.stars { display: inline-flex; gap: 2px; color: #f59e0b; margin-bottom: 12px; }
.stars svg { width: 17px; height: 17px; }

/* ===== CTA band ===== */
.cta-band { background: linear-gradient(155deg, var(--ink) 0%, #1b1b22 60%, #1d2540 100%); color: #fff; border-radius: 22px; padding: 48px; position: relative; overflow: hidden; }
.cta-band h2 { color: #fff; }
.cta-band p { color: #d4d4d8; max-width: 56ch; }
.cta-band .btn-ghost { background: rgba(255,255,255,.08); color: #fff; border-color: rgba(255,255,255,.24); }
.cta-band .btn-ghost:hover { background: rgba(255,255,255,.16); }
.cta-band .deco { position: absolute; right: -60px; top: -60px; width: 280px; height: 280px; border-radius: 50%; background: radial-gradient(circle, rgba(37,99,235,.35), transparent 70%); pointer-events: none; }
@media (max-width: 620px) { .cta-band { padding: 32px 24px; } }

/* ===== Feature list w/ check ===== */
.checklist { list-style: none; padding: 0; margin: 1.2em 0; }
.checklist li { display: flex; gap: 12px; align-items: flex-start; margin: 12px 0; }
.checklist li svg { width: 22px; height: 22px; flex: none; color: var(--good); margin-top: 2px; }

/* Split media block */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 46px; align-items: center; }
.split img { border-radius: 16px; box-shadow: var(--shadow); border: 1px solid var(--line); width: 100%; object-fit: cover; }
.split.rev .media { order: 2; }
@media (max-width: 880px) { .split, .split.rev { grid-template-columns: 1fr; gap: 28px; } .split.rev .media { order: 0; } }

/* ===== Forms ===== */
.form-grid { display: grid; gap: 18px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
@media (max-width: 620px) { .form-row { grid-template-columns: 1fr; } }
.field label { display: block; font-family: "Lexend", sans-serif; font-weight: 500; font-size: .92rem; margin-bottom: 7px; color: var(--ink-2); }
.field input, .field select, .field textarea {
  width: 100%; padding: 12px 14px; border: 1px solid var(--line-2); border-radius: 10px;
  font: inherit; font-size: 1rem; color: var(--ink); background: #fff;
  transition: border-color .15s var(--ease), box-shadow .15s var(--ease);
}
.field input:hover, .field select:hover, .field textarea:hover { border-color: var(--slate-2); }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--brand); box-shadow: 0 0 0 3px var(--brand-tint-2); }
.field textarea { min-height: 130px; resize: vertical; }
.field .hint { font-size: .84rem; color: var(--muted); margin-top: 6px; }
.req { color: var(--danger); }

/* ===== FAQ ===== */
.faq { border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; background: #fff; box-shadow: var(--shadow-sm); }
.faq details { border-bottom: 1px solid var(--line); }
.faq details:last-child { border-bottom: 0; }
.faq summary {
  list-style: none; cursor: pointer; padding: 18px 22px; font-family: "Lexend", sans-serif;
  font-weight: 600; font-size: 1.04rem; color: var(--ink); display: flex; justify-content: space-between; gap: 16px; align-items: center;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary:hover { background: var(--bg-2); }
.faq summary .chev { width: 20px; height: 20px; flex: none; color: var(--brand-strong); transition: transform .2s var(--ease); }
.faq details[open] summary .chev { transform: rotate(180deg); }
.faq .answer { padding: 0 22px 20px; color: var(--slate); }
.faq .answer p:last-child { margin-bottom: 0; }

/* page intro */
.page-intro { padding: 40px 0 8px; }
.page-intro h1 { margin-bottom: 14px; }
.page-intro p.lead { font-size: 1.18rem; color: var(--slate); max-width: 62ch; }

/* pill row */
.pillrow { display: flex; flex-wrap: wrap; gap: 10px; margin: 18px 0 0; }
.pill { font-size: .86rem; font-weight: 500; color: var(--slate); background: #fff; border: 1px solid var(--line-2); border-radius: 999px; padding: 7px 14px; }

/* trust logos / bar */
.trustbar { display: flex; flex-wrap: wrap; gap: 26px 40px; align-items: center; justify-content: center; opacity: .9; }
.trustbar .ti { display: inline-flex; align-items: center; gap: 9px; color: var(--slate); font-family: "Lexend", sans-serif; font-weight: 600; font-size: .95rem; }
.trustbar .ti svg { width: 22px; height: 22px; color: var(--brand-strong); }

/* ===== Footer ===== */
.site-footer { background: var(--ink); color: #d4d4d8; padding: 56px 0 28px; margin-top: 8px; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 36px; }
@media (max-width: 880px) { .footer-grid { grid-template-columns: 1fr 1fr; gap: 30px; } }
@media (max-width: 520px) { .footer-grid { grid-template-columns: 1fr; } }
.site-footer .brand { color: #fff; }
.site-footer .brand small { color: #a1a1aa; }
.site-footer p { color: #a1a1aa; font-size: .95rem; }
.site-footer h5 { font-family: "Lexend", sans-serif; color: #fff; font-size: .82rem; letter-spacing: .1em; text-transform: uppercase; margin: 0 0 14px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer ul li { margin: 9px 0; }
.site-footer ul a { color: #d4d4d8; text-decoration: none; font-size: .96rem; }
.site-footer ul a:hover { color: #fff; text-decoration: underline; }
.footer-bottom { border-top: 1px solid #27272a; margin-top: 40px; padding-top: 24px; display: flex; flex-wrap: wrap; gap: 14px; justify-content: space-between; align-items: center; }
.footer-bottom p { margin: 0; font-size: .88rem; }
.disclaimer { background: #18181b; border: 1px solid #27272a; border-radius: 12px; padding: 16px 18px; margin-top: 32px; }
.disclaimer p { margin: 0; font-size: .88rem; color: #a1a1aa; line-height: 1.6; }
.disclaimer strong { color: #e4e4e7; }

/* 404 */
.error-page { text-align: center; padding: 80px 0; }
.error-page .code { font-family: "Lexend", sans-serif; font-weight: 700; font-size: clamp(4rem, 14vw, 8rem); line-height: 1; color: var(--brand); letter-spacing: -.04em; }
.error-page .actions { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; margin-top: 26px; }

/* utility */
.center { text-align: center; }
.mt-0 { margin-top: 0; }
.lead-muted { color: var(--slate); font-size: 1.08rem; }
.divider { height: 1px; background: var(--line); border: 0; margin: 0; }
.figcap { font-size: .84rem; color: var(--muted); margin-top: 8px; text-align: center; }
.anchor-list { columns: 2; column-gap: 36px; }
@media (max-width: 620px){ .anchor-list { columns: 1; } }