/*
Theme Name: Rate - Loan Center
Theme URI: http://www.loancenter.com/
Author: Nowcom Corporation
Author URI: http://www.nowcom.com/
Description: Rate theme with Loan Center header and footer
Version: 1.0.0
Tags: Rate, Loan Center
Text Domain: rate.loancenter.com
*/

/* ── CSS Reset ─────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
body { font-family: 'Inter', sans-serif; color: #0d1f3c; }
img  { display: block; max-width: 100%; }
a    { text-decoration: none; }

/* Custom Rate Theme Styles */
.rate-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 20px;
}

/* ============================================================
   AUTO LOAN REFINANCE PAGE STYLES
   Added for page-auto-loan-refinance.php
============================================================ */

/* Design Tokens */
:root {
  --navy:       #0d1f3c;
  --dark-blue:  #152640;
  --mid-blue:   #2b4c81;
  --brand-blue: #1a69c4;
  --cyan:       #01a1c8;
  --cyan-alt:   #00a8e8;
  --text-muted: #3d5a7a;
  --text-body:  #2a3d55;
  --grad-btn:   linear-gradient(90deg, #05a1dd 0%, #1b3f68 56%, #000000 100%);
  --grad-hero:  linear-gradient(169deg, #0199be 0%, #1a3d76 100%);
  --shadow-btn: 0 8px 30px rgba(26,105,196,0.25);
}

/* ════════════════════════════════════════════════════ *
 *  ACCESSIBILITY
 * ════════════════════════════════════════════════════ */
/* Skip-to-content link */
.skip-to-content {
  position: absolute;
  top: -100%;
  left: 16px;
  z-index: 10000;
  background: var(--brand-blue);
  color: #ffffff;
  padding: 12px 20px;
  border-radius: 0 0 8px 8px;
  font-size: 14px;
  font-weight: 700;
  text-decoration: underline;
  transition: top 0.15s;
}
.skip-to-content:focus {
  top: 0;
}

/* ════════════════════════════════════════════════════ *
 *  NAVBAR
 * ════════════════════════════════════════════════════ */
.navbar {
  background: #fff;
  border-bottom: 1px solid #eaeaea;
  height: 69px;
  display: flex;
  align-items: center;
  padding: 0 20px;
}
.navbar__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 8px;
  width: 100%;
  max-width: 1440px;
  margin: 0 auto;
}
.navbar__logo img {
  width: 144.19px;
  height: auto;
}
.navbar__links {
  display: flex;
  align-items: center;
  gap: 32px;
  list-style: none;
}
.navbar__links a {
  font-weight: 700;
  font-size: 14px;
  color: var(--mid-blue);
  line-height: 20px;
  white-space: nowrap;
}
.navbar__links a:hover { 
  opacity: .75; 
  text-decoration: none;
}

/* ── Dropdown menus ── */
.navbar__links li {
  position: relative;
  list-style: none;
}
/* Hidden by default */
.navbar__links .sub-menu {
  display: none;
  position: absolute;
  top: 130%;
  left: 0;
  background: #fff;
  border-radius: 10px;
  box-shadow: 0 8px 24px rgba(13, 31, 60, 0.12), 0 2px 6px rgba(13, 31, 60, 0.06);
  list-style: none;
  padding: 8px 0;
  margin: 0;
  min-width: 210px;
  z-index: 500;
}
/* Invisible bridge fills the gap between the nav link and the dropdown
   so the mouse doesn't leave the hover zone while crossing it */
.navbar__links .sub-menu::before {
  content: "";
  position: absolute;
  top: -12px;
  left: 0;
  right: 0;
  height: 12px;
}
/* Show on hover of the parent li */
.navbar__links .menu-item-has-children:hover > .sub-menu,
.navbar__links .menu-item-has-children:focus-within > .sub-menu {
  display: block;
}
/* Submenu links */
.navbar__links .sub-menu a {
  display: block;
  padding: 10px 20px;
  font-size: 14px;
  font-weight: 600;
  color: #0d1f3c;
  white-space: nowrap;
  opacity: 1;
}
.navbar__links .sub-menu a:hover {
  color: #01a1c8;
  opacity: 1;
  background: #f7fafd;
}

.navbar__actions {
  display: flex;
  align-items: center;
  gap: 16px;
}
.btn-phone {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  width: 160px;
  height: 36px;
  padding: 11px 16px;
  box-sizing: border-box;
  background: linear-gradient(90deg, #01a1c8 0%, #2b4c81 100%);
  box-shadow: var(--shadow-btn);
  border: none;
  border-radius: 9999px;
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 15px;
  line-height: 14px;
  color: #fff;
  white-space: nowrap;
  cursor: pointer;
}
.btn-signin {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  width: 109px;
  height: 36px;
  padding: 11px 16px;
  box-sizing: border-box;
  background: #000;
  border: none;
  border-radius: 9999px;
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 15px;
  line-height: 14px;
  color: #fff;
  white-space: nowrap;
  cursor: pointer;
}
.btn-signin img { width: 20px; height: 20px; }
.navbar__extra {
  display: flex;
  align-items: center;
  gap: 16px;
}
.navbar__extra a {
  font-weight: 700;
  font-size: 14px;
  color: var(--mid-blue);
}

/* Mobile nav drawer */
.navbar__overlay { display: none; position: fixed; inset: 0; background: rgba(0,0,0,0.45); z-index: 999; }
.navbar__overlay.is-open { display: block; }
.navbar__mobile {
  position: fixed; top: 0; right: -320px; width: 300px; height: 100%; background: #fff;
  z-index: 1000; transition: right 0.3s ease; padding: 24px 20px;
  display: flex; flex-direction: column; gap: 20px;
  box-shadow: -4px 0 24px rgba(0,0,0,0.18); overflow-y: auto;
}
.navbar__mobile.is-open { right: 0; }
.navbar__mobile-header { display: flex; align-items: center; justify-content: space-between; }
.navbar__mobile-header img { width: 120px; height: auto; }
.navbar__mobile-close { background: none; border: none; cursor: pointer; padding: 4px; display: flex; align-items: center; justify-content: center; }
.navbar__mobile-links { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; }
.navbar__mobile-links li { border-bottom: 1px solid #eaeaea; list-style: none; }
.navbar__mobile-links a { display: block; padding: 14px 0; font-family: 'Inter', sans-serif; font-size: 15px; font-weight: 600; color: #0d1f3c; text-decoration: none; }
.navbar__mobile-links a:hover { color: #01a1c8; }
/* Mobile sub-menu */
.navbar__mobile-links .sub-menu { list-style: none; padding: 0; margin: 0; background: #f7fafd; }
.navbar__mobile-links .sub-menu li { border-bottom: none; border-top: 1px solid #eaeaea; }
.navbar__mobile-links .sub-menu a { padding: 11px 0 11px 20px; font-size: 14px; font-weight: 500; color: #3d5a7a; }
.navbar__mobile-links .sub-menu a:hover { color: #01a1c8; }
.navbar__mobile-actions { display: flex; flex-direction: column; gap: 12px; margin-top: 8px; }
.navbar__mobile-btn-phone { display: flex !important; width: 100%; justify-content: center; }
.navbar__mobile-btn-signin { display: flex !important; width: 100%; justify-content: center; }

/* Common elements */
.hero__circle {
  position: absolute;
  border-radius: 50%;
  background: rgba(255,255,255,0.06);
  width: 640px;
  height: 640px;
  left: 50%;
  transform: translateX(-165%);
  top: -230px;
  pointer-events: none;
}
.hero__circle--2 { width: 420px; height: 420px; left: 50%; transform: translateX(-50%); top: 10%; }
.hero__circle--3 { width: 480px; height: 480px; transform: translateX(85%); top: -220px; left: 50%; }
.hero__circle--4 { width: 280px; height: 280px; left: auto; transform: translate(50%, -50%); top: 50%; right: 0; }


.alr-calculator {
  padding: 70px 20px 70px;
}
.calculator__inner {
  max-width: 1200px;
  margin: 0 auto;
}
.calculator__panel {
  background: #f5f8fa;
  border-radius: 70px;
  padding: 60px;
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 27px;
  border: 1px solid #d5e0e6;
}
.calculator__chip {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 16px;
  background: #3abddd;
  border-radius: 9999px;
  font-size: 13px;
  font-weight: 600;
  color: #ffffff;
}
.calculator__title {
  font-size: 44px;
  font-weight: 800;
  color: #21292d;
  line-height: 1.2;
  letter-spacing: -0.5px;
}
.calculator__subtitle {
  font-size: 16px;
  font-weight: 600;
  color: #21292d;
  line-height: 1.6;
}
.calculator__body {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 54px;
  background: #ffffff;
  border-radius: 30px;
  padding: 36px;
  text-align: left;
  width: 100%;
  box-sizing: border-box;
}
.calculator__controls {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 28px;
}
.calculator__label-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 10px;
}
.calculator__label {
  font-family: 'Inter', sans-serif;
  font-size: 17px;
  font-weight: 700;
  line-height: 27px;
  letter-spacing: -0.3px;
  color: #6e6e6e;
}
.calculator__value {
  font-family: 'Inter', sans-serif;
  font-size: 20px;
  font-weight: 700;
  line-height: 27px;
  letter-spacing: -0.3px;
  color: #21292d;
}
.calc-slider {
  width: 100%;
  -webkit-appearance: none;
  appearance: none;
  height: 6px;
  border-radius: 3px;
  background: #e2e8f0;
  outline: none;
  margin-bottom: 6px;
  cursor: pointer;
}
.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: #21292d;
  cursor: pointer;
  box-shadow: 0 0 0 3px rgba(33,41,45,.2);
}
.calc-slider::-moz-range-thumb {
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: #21292d;
  cursor: pointer;
  border: none;
  box-shadow: 0 0 0 3px rgba(33,41,45,.2);
}
.calculator__range-labels {
  display: flex;
  justify-content: space-between;
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  font-weight: 600;
  line-height: 27px;
  letter-spacing: -0.3px;
  color: #6e6e6e;
  margin-top: 2px;
}
.calculator__results {
  width: 100%;
  flex-shrink: 0;
  display: flex;
  flex-direction: column;
}
.calculator__monthly {
  background: #21292d;
  border-radius: 20px;
  border: 1px solid #d9d9d9;
  padding: 30px 24px 40px;
  text-align: center;
  display: flex;
  flex-direction: column;
  gap: 8px;
  align-items: center;
}
.calculator__monthly-label {
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  font-weight: 700;
  line-height: 27px;
  letter-spacing: 1px;
  color: #ffffff;
  text-transform: uppercase;
}
.calculator__monthly-amount {
  font-size: 58px;
  font-weight: 800;
  color: #ffffff;
  line-height: 1;
}
.calculator__totals {
  display: flex;
  gap: 12px;
  margin-top: 12px;
}
.calculator__total-item {
  flex: 1;
  padding: 16px;
  text-align: center;
  border: 1px solid #e2e8f0;
  border-radius: 12px;
}
.calculator__total-label {
  font-family: 'Inter', sans-serif;
  font-size: 15px;
  font-weight: 600;
  line-height: 21.75px;
  letter-spacing: 0px;
  text-transform: uppercase;
  color: #212121;
  margin-bottom: 4px;
}
.calculator__total-amount {
  font-family: 'Inter', sans-serif;
  font-size: 30px;
  font-weight: 700;
  line-height: 29px;
  letter-spacing: -0.3px;
  color: #21292d;
}
.calculator__disclaimer {
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  font-weight: 700;
  line-height: 24px;
  letter-spacing: 0px;
  color: #212121;
  padding: 12px 0;
  text-align: center;
}
.calculator__cta {
  background: #21292d;
  color: #fff;
  border: none;
  border-radius: 9999px;
  padding: 11px 24px;
  font-size: 15px;
  font-weight: 600;
  line-height: 22.5px;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  align-self: center;
  margin-top: 12px;
  box-shadow: 0 8px 30px rgba(33,41,45,.2);
}
.calculator__cta:hover { opacity: .85; }

/* -- Reviews -- */
.reviews { background: #0d1f3c url('assets/images/reviews-bg-pattern.png') center center / cover no-repeat; padding: 80px 20px; }
.reviews__inner { max-width: 1200px; margin: 0 auto; text-align: center; }
.reviews__chip { display: inline-block; color: #01a1c8; font-family: 'Inter'; font-size: 14px; font-weight: 700; line-height: 27px; letter-spacing: 1px; text-transform: uppercase; text-align: center; margin-bottom: 16px; }
.reviews__title { font-size: 38px; font-weight: 800; color: #ffffff; margin: 0 0 16px; letter-spacing: -0.5px; }
.reviews__subtitle { font-family: 'Inter'; font-size: 16px; font-weight: 400; line-height: 26.4px; letter-spacing: 0px; text-align: center; color: rgba(255,255,255,0.6); margin: 0 0 48px; }
.reviews__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; text-align: left; }
.review-card { background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.10); border-radius: 28px 70px 28px 28px; padding: 32px; display: flex; flex-direction: column; gap: 20px; min-height: 352.5px; }
.review-card__quote { display: flex; gap: 2px; line-height: 1; width: 24px; height: 24px; opacity: 0.6; overflow: hidden; }
.review-card__quote img { width: 11px; height: 22px; display: block; }
.review-card__stars { display: flex; gap: 2px; }
.review-card__stars img { width: 13.33px; height: 12.71px; display: block; }
.review-card__text { font-family: 'Inter'; font-size: 15px; font-weight: 400; line-height: 25.5px; letter-spacing: 0px; color: rgba(255,255,255,0.85); flex: 1; }
.review-card__author { display: flex; align-items: center; gap: 12px; padding-top: 16px; border-top: 1px solid rgba(255,255,255,0.08); }
.review-card__avatar { width: 40px; height: 40px; border-radius: 50%; background: #01a1c8; display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: 16px; color: #ffffff; flex-shrink: 0; }
.review-card__name { font-size: 14px; font-weight: 700; color: #ffffff; margin: 0 0 2px; }
.review-card__role { font-family: 'Inter'; font-size: 12px; font-weight: 500; line-height: 18px; letter-spacing: 0px; color: rgba(255,255,255,0.45); margin: 0; }

/* -- FAQ hero (page-faq.php only)  Figma node 3508:22483 -- */
.faq-hero {
  position: relative;
  background: linear-gradient(174.4deg, #01a1c8 8.49%, #2b4c81 91.51%);
  padding: 60px 20px 30px;
  overflow: hidden;
}
.faq-hero__circles { position: absolute; inset: 0; pointer-events: none; overflow: hidden; }
.faq-hero__circles .hero__circle--2 { top: 55%; }
.faq-hero__circles .hero__circle--3 { width: 480px; height: 480px; transform: translateX(85%); top: -220px; }
.faq-hero__inner {
  position: relative;
  max-width: 960px;
  margin: 0 auto;
  text-align: center;
}
.faq-hero .faq-hero__chip { color: #ffffff; }
.faq-hero .faq-hero__title { color: #ffffff; }
.faq-hero .faq-hero__subtitle { color: #ffffff; }

/* -- FAQ -- */
.faq { background: #ffffff; padding: 80px 20px; }
.faq__inner { max-width: 960px; margin: 0 auto; text-align: center; }
/* Dedicated FAQ page (page-faq.php) only: wider question list */
.faq-page .faq__inner { max-width: 1200px; }
.faq__chip { display: inline-block; font-family: 'Inter'; font-size: 14px; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; color: #3d5a7a; margin-bottom: 16px; }
.faq__title { font-size: 44px; font-weight: 800; color: #0d1f3c; margin: 0 0 16px; letter-spacing: -0.5px; }
.faq__subtitle { font-family: 'Inter'; font-size: 16px; font-weight: 700; line-height: 26.4px; letter-spacing: 0px; text-align: center; color: #152640; margin: 0 0 32px; }
.faq__search { display: flex; align-items: center; background: #ffffff; border: 1px solid #01a1c8; border-radius: 9999px; padding: 0 0 0 20px; margin: 0 auto 40px; gap: 8px; height: 54px; max-width: 520px; box-sizing: border-box; box-shadow: 0 1px 2px 0 rgba(13,31,60,0.04), 0 1px 3px 0 rgba(13,31,60,0.08); overflow: hidden; }
.faq__search input { flex: 1; border: none; outline: none; font-size: 15px; font-weight: 700; color: #3d5a7a; background: transparent; width: calc(100% - 50px); }
.faq__search input::placeholder { color: #b0bec5; }
.faq__search-btn { background: #01a1c8; border: none; border-radius: 0 9999px 9999px 0; width: 60px; align-self: stretch; display: flex; align-items: center; justify-content: center; cursor: pointer; flex-shrink: 0; color: #ffffff; }
.faq__list { display: flex; flex-direction: column; gap: 12px; text-align: left; }
.faq__item { border: 1px solid #eef2f7; border-radius: 12px; overflow: hidden; background: #ffffff; min-height: 70px; box-shadow: 0 1px 2px 0 rgba(13,31,60,0.04), 0 1px 3px 0 rgba(13,31,60,0.08); }
.faq__item.is-open { border-color: #01a1c8; box-shadow: 0 2px 6px 0 rgba(13,31,60,0.06), 0 4px 16px 0 rgba(13,31,60,0.10); }
.faq__question { -webkit-appearance: none; appearance: none; display: flex; align-items: center; justify-content: space-between; padding: 20px 24px; cursor: pointer; gap: 16px; background: none; border: none; width: 100%; text-align: left; font-family: inherit; color: inherit; }
.faq__question-text { font-size: 15px; font-weight: 600; color: #0d1f3c; }
.faq__item.is-open .faq__question-text { color: #01a1c8; }
.faq__chevron { flex-shrink: 0; width: 28px; height: 28px; border-radius: 9999px; background: #f7fafd; display: flex; align-items: center; justify-content: center; padding: 0 6.5px; box-sizing: border-box; transition: transform 0.2s; color: #3d5a7a; }
.faq__item.is-open .faq__chevron { transform: rotate(180deg); color: #01a1c8; background: rgba(1,161,200,0.12); }
.faq__answer { max-height: 0; overflow: hidden; transition: max-height 0.35s ease, padding 0.35s ease; margin: 0 24px; padding: 0 0; font-family: 'Inter'; font-size: 15px; font-weight: 700; line-height: 25.8px; letter-spacing: 0px; color: #3d5a7a; text-align: left; border-top: 0px solid #eef2f7; }
.faq__answer p { margin-bottom: 10px; }
.faq__item.is-open .faq__answer { max-height: max-content; padding: 16px 0 20px; border-top: 1px solid #eef2f7; }

/* -- BLOG -- */
.blog { background: linear-gradient(169deg, #0199be 0%, #1a3d76 100%); padding: 70px 20px; }
.ctl-blog { background: linear-gradient(171.4deg, #000000 0%, #1B3F68 69.4%, #1C627D 115.67%); padding: 70px 20px; }
.blog__inner { max-width: 1200px; margin: 0 auto; text-align: center; }
.blog__eyebrow { display: inline-block; font-family: 'Inter', sans-serif; font-size: 14px; font-weight: 700; line-height: 27px; letter-spacing: 1px; text-transform: uppercase; text-align: center; color: #ffffff; margin-bottom: 16px; }
.blog__title { font-family: 'Inter', sans-serif; font-size: 44px; font-weight: 800; line-height: 48.4px; letter-spacing: -0.5px; text-align: center; color: #ffffff; margin: 0 0 16px; }
.blog__subtitle { font-family: 'Inter', sans-serif; font-size: 16px; font-weight: 700; line-height: 26.4px; letter-spacing: 0px; text-align: center; color: #ffffff; margin: 0 0 48px; }
.blog__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-bottom: 48px; }
@media (max-width: 900px) { .blog__grid { grid-template-columns: 1fr; } }
.blog-card { background: #ffffff; border-radius: 20px; text-align: left; display: flex; flex-direction: column; border: 1px solid #EEF2F7; box-shadow: 0 1px 2px 0 rgba(13,31,60,0.04), 0 1px 3px 0 rgba(13,31,60,0.08); }
.blog-card__image-wrap { padding: 20px 20px 0; }
.blog-card__image { display: block; width: 100%; height: 209px; object-fit: cover; object-position: center; border-radius: 12px; }
.blog-card__body { padding: 24px; display: flex; flex-direction: column; flex: 1; gap: 16px; }
.blog-card__category { font-family: 'Inter', sans-serif; font-size: 14px; font-weight: 700; line-height: 27px; letter-spacing: 1px; text-transform: uppercase; color: #04A1C7; }
.blog-card__title { font-family: 'Inter', sans-serif; font-size: 22px; font-weight: 700; line-height: 27px; letter-spacing: -0.3px; color: #0D1F3C; margin: 0; }
.blog-card__excerpt { font-family: 'Inter', sans-serif; font-size: 15px; font-weight: 700; line-height: 25.8px; letter-spacing: 0px; color: #1E3650; margin: 0; flex: 1; }
.blog-card__link { display: inline-flex; align-items: center; gap: 8px; font-family: 'Inter', sans-serif; font-size: 15px; font-weight: 600; line-height: 22.5px; letter-spacing: 0px; background: linear-gradient(90deg, #01A1C8 0%, #2B4C81 100%); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; margin-top: 4px; }
.blog-card__link:hover { opacity: 0.75; }
.blog__cta-wrap { display: flex; justify-content: center; }
.blog__cta { display: inline-flex; align-items: center; justify-content: center; height: 48px; padding: 0 32px; border: 2px solid #ffffff; border-radius: 9999px; background: transparent; color: #ffffff; font-family: 'Inter', sans-serif; font-size: 15px; font-weight: 600; cursor: pointer; white-space: nowrap; transition: background 0.2s, color 0.2s; }
.blog__cta:hover { background: #ffffff; color: #0d1f3c; text-decoration: none; }

/* Slider dots -- hidden by default, shown only at mobile via media queries */
.financing__dots,
.innovation__dots,
.reviews__dots { display: none; }

/* -- FOOTER -- */
.footer { background: #051328; color: #ffffff; padding-left: 20px; padding-right: 20px; }
.footer__main { max-width: 1200px; margin: 0 auto; padding: 64px 0 14px; box-sizing: border-box; display: grid; grid-template-columns: repeat(5, 1fr); gap: 60px; }
@media (max-width: 900px) { .footer__main { grid-template-columns: 1fr 1fr; } }
.footer__brand { width: 251px; display: flex; flex-direction: column; gap: 16px; }
.footer__brand-logo { margin-bottom: 0; }
.footer__brand-logo img { width: 206.66px; height: 41.46px; }
.footer__brand-desc { font-family: 'Inter', sans-serif; font-size: 14px; font-weight: 700; line-height: 23.8px; letter-spacing: 0px; color: #ffffff; }
.footer__brand-hours { font-family: 'Inter', sans-serif; font-size: 14px; font-weight: 400; line-height: 23.8px; color: #ffffff; }
.footer__brand-phone { font-family: 'Inter', sans-serif; font-size: 14px; font-weight: 400; color: #ffffff; }
.footer__brand-phone a { color: #ffffff; font-weight: 400; }
.footer__brand-address { font-family: 'Inter', sans-serif; font-size: 14px; font-weight: 400; color: #ffffff; line-height: 23.8px; }
.footer__col-title { font-family: 'Inter', sans-serif; font-size: 14px; font-weight: 700; line-height: 27px; letter-spacing: 1px; text-transform: uppercase; color: #ffffff; margin-bottom: 20px; }
.footer__col-links { list-style: none; display: flex; flex-direction: column; gap: 12px; }
.footer__col-links a { font-family: 'Inter', sans-serif; font-size: 14px; font-weight: 700; line-height: 21px; letter-spacing: 0px; color: #ffffff; }
.footer__col-links a:hover { color: #01a1c8; }
.footer__divider { border: none; border-top: 1px solid rgba(255,255,255,0.1); margin: 0; }
.footer__disclosure { max-width: 1200px; margin: 0 auto; padding: 20px 0 32px; }
.footer__disclosure-wrap { background: rgba(255,255,255,0.08); border-radius: 20px; padding: 24px; display: grid; grid-template-columns: 1fr 1fr; gap: 30px; }
@media (max-width: 700px) { .footer__disclosure-wrap { grid-template-columns: 1fr; } }
.footer__disclosure-block { font-family: 'Inter', sans-serif; font-size: 13px; font-weight: 700; line-height: 19.5px; letter-spacing: 0px; color: #ffffff; }
.footer__disclosure-block strong { display: block; font-weight: 700; color: #ffffff; margin-bottom: 12px; }
.footer__disclosure-block p { margin-bottom: 12px; }
.footer__disclosure-block p:last-child { margin-bottom: 0; }
.footer__disclosure-block a { font-family: 'Inter', sans-serif; font-size: 13px; font-weight: 700; line-height: 19.5px; color: #ffffff; text-decoration: underline; text-decoration-style: solid; text-underline-offset: 0; }
.footer__all-caps { font-size: 12px; font-weight: 700; color: #ffffff; line-height: 20px; }
.footer__badges { display: flex; flex-direction: row; align-items: center; gap: 32px; flex-wrap: wrap; margin-top: 64px; border-radius: 16px; padding: 16px; }
.footer__badges img { height: auto; }
.footer__bottom { }
.footer__bottom-inner { max-width: 1200px; margin: 0 auto; padding: 20px 0 48px; display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 12px; }
.footer__copyright { font-family: 'Inter', sans-serif; font-size: 13px; font-weight: 700; line-height: 19.5px; letter-spacing: 0px; color: #ffffff; }
.footer__bottom-links { display: flex; align-items: center; gap: 24px; flex-wrap: wrap; }
.footer__bottom-links ul { display: flex; align-items: center; gap: 24px; flex-wrap: wrap; list-style: none; margin: 0; padding: 0; }
.footer__bottom-links ul li { margin: 0; padding: 0; }
.footer__bottom-links a { font-family: 'Inter', sans-serif; font-size: 12px; font-weight: 700; line-height: 19.5px; letter-spacing: 0px; color: #ffffff; }
.footer__bottom-links li.larger-text a { font-size: 14px; }
.footer__bottom-links a:hover { color: #01a1c8; }

@media (min-width: 1025px) {
  .navbar__hamburger { display: none; }
}

@media (max-width: 1200px) {
  .navbar { padding: 0 36px; }
  .navbar__extra { display: none; }
  .financing__panel {
    max-width: 100%;
    border-radius: 34px;
    padding: 36px 30px 24px;
  }
  .financing__cards {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
  .financing-card {
    width: auto;
    min-height: 360px;
    height: auto;
    border-radius: 20px;
  }
  .financing__title { font-size: 38px; line-height: 46px; }
  .financing__desc { font-size: 16px; line-height: 26px; }
  .financing-card h3 { font-size: 28px; line-height: 34px; }
  .financing__chip { font-size: 12px; }
  .loan-card__image { flex: 0 0 42%; max-width: 42%; height: 320px; border-radius: 100px 28px 28px 28px; box-shadow: 0 4px 12px rgba(13,31,60,0.06), 0 12px 40px rgba(13,31,60,0.12); }
}

@media (max-width: 1024px) {
  /* NAVBAR */
  .navbar { padding: 0 15px; }
  .navbar__links { display: none; }
  .btn-phone { display: none; }
  .navbar__hamburger { display: flex; flex-direction: column; justify-content: space-between; width: 34px; height: 27px; cursor: pointer; padding: 0; background: none; border: none; }
  .navbar__hamburger span { display: block; width: 34px; height: 5px; background: linear-gradient(90deg, #01A1C8 0%, #2B4C81 100%); border-radius: 3px; }
}

.slider__dots {
  display: none;
}
/* Horizontal connector line */
.ctl-process__connector {
  position: absolute;
  top: 45px;
  left: calc(12.5% + 20px);
  width: calc(75% - 40px);
  height: 2px;
  background: #c9e0ff;
  z-index: 0;
}
.ctl-process__step {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  flex: 1;
  gap: 23px;
  position: relative;
  z-index: 1;
}
.ctl-process__circle {
  width: 92px;
  height: 92px;
  border-radius: 9999px;
  background: #fff;
  box-shadow: 0 0 3.5px rgba(108,127,131,0.4);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  position: relative;
}
.ctl-process__circle::before {
  content: "";
  position: absolute;
  width: 119px;
  height: 119px;
  left: 50%;
  top: 50%;
  transform: translate(-50%, -50%);
  border-radius: 50%;
  background: linear-gradient(90deg, rgba(1, 161, 200, 1) 0%, rgba(43, 76, 129, 1) 100%);
  opacity: 0.25;
  -webkit-mask: radial-gradient(farthest-side, transparent calc(100% - 8px), #000 calc(100% - 8px));
  mask: radial-gradient(farthest-side, transparent calc(100% - 8px), #000 calc(100% - 8px));
  pointer-events: none;
}
.ctl-process__circle span {
  font-size: 45px;
  font-weight: 600;
  color: #ffa600;
  line-height: 1;
}
.ctl-process__step-title {
  font-size: 18px;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: -.3px;
  margin: 0;
  line-height: 1.5;
}
.ctl-process__step-desc {
  font-size: 15px;
  font-weight: 700;
  color: var(--text-muted);
  line-height: 1.72;
  margin: 0;
}
.ctl-process__step-desc a { color: var(--text-muted); text-decoration: underline; }

/* -- CTL TIPS FOR GETTING YOUR CASH FASTER -- */
.ctl-tips {
  background: #f7fafd;
  padding: 70px 20px;
}
.ctl-tips__inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 36px;
}
.ctl-tips__header { display: flex; flex-direction: column; gap: 8px; }
.ctl-tips__title {
  font-size: 44px;
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -.5px;
  margin: 0;
}
.ctl-tips__subtitle {
  font-size: 16px;
  color: var(--text-body);
  line-height: 1.6;
  margin: 0;
}
.ctl-tips__list {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.ctl-tips__item {
  background: #fff;
  border: 1px solid #eef2f7;
  border-radius: 20px;
  padding: 16px;
  display: flex;
  align-items: center;
  gap: 16px;
  box-shadow: 0 1px 1.5px rgba(13,31,60,0.08), 0 1px 1px rgba(13,31,60,0.04);
}
.ctl-tips__item-text {
  font-size: 18px;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.5;
  letter-spacing: -.3px;
  margin: 0;
}
.ctl-tips__body {
  display: flex;
  flex-direction: column;
  gap: 16px;
  font-size: 16px;
  line-height: 1.6;
  color: var(--text-body);
}
.ctl-tips__body p { margin: 0; }
.ctl-tips__body sup a { color: inherit; font-size: 11px; }
.ctl-tips__body ul,
.ctl-tips__body ol { padding-left: 24px; }
.ctl-tips__body li { margin-bottom: 8px; }
.ctl-tips__ctas {
  display: flex;
  gap: 16px;
  justify-content: center;
  align-items: center;
  flex-wrap: wrap;
}

/* -- CTL LOCATIONS -- */

.ctl-locations {
  background: #fff;
  padding: 70px 20px;
}
.ctl-locations__inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 27px;
  align-items: center;
  width: 100%;
}
.ctl-locations__header {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  width: 100%;
}
.ctl-locations__eyebrow {
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: #0d1f3c;
  line-height: 27px;
  margin: 0;
}
.ctl-locations__title {
  font-size: 44px;
  font-weight: 800;
  letter-spacing: -0.5px;
  line-height: 1.1;
  color: #0d1f3c;
  margin: 0;
}
.ctl-locations__widget {
  width: 100%;
}

/* -- dealer-locator widget overrides (scoped to ctl-locations) -- */

/* Remove stale margin from radio holder */
.ctl-locations .dealer-locator-widget__radio-holder {
  margin-bottom: 0;
}

/* Search + radio type on the same row */
.ctl-locations .dealer-locator-widget__search-bar-dealer-type-wrapper {
  display: flex;
  flex-flow: row wrap;
  align-items: center;
  gap: 24px;
  width: 100%;
}

/* -- Search bar -- */
.ctl-locations .dealer-locator-widget__search-bar {
  flex: 1 0 0;
  min-width: 368px;
  max-width: 520px;
  height: 54px;
  background: #fff;
  border: 1px solid #01a1c8;
  border-radius: 9999px;
  box-shadow: 0px 1px 3px rgba(13, 31, 60, 0.08), 0px 1px 2px rgba(13, 31, 60, 0.04);
  padding: 0;
  margin-bottom: 0;
  box-sizing: border-box;
  overflow: hidden;
}
.ctl-locations .dealer-locator-widget__input-button {
  display: flex;
  align-items: center;
  height: 100%;
  margin-right: 0;
}
.ctl-locations .dealer-locator-widget__zip {
  flex: 1;
  border: none;
  background: none;
  font-size: 15px;
  font-weight: 700;
  padding: 0 20px;
  color: #0d1f3c;
  min-width: 0;
}
.ctl-locations .dealer-locator-widget__zip::placeholder {
  color: rgba(13, 31, 60, 0.5);
  font-weight: 700;
}
.ctl-locations .dealer-locator-widget__zip:focus {
  outline: none;
}
.ctl-locations .dealer-locator-widget__btn-submit {
  background: #01a1c8;
  border: none;
  border-radius: 0 9999px 9999px 0;
  width: 60px;
  align-self: stretch;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  flex-shrink: 0;
  color: #ffffff;
  margin: unset;
}
.ctl-locations .dealer-locator-widget__btn-submit .fa-search {
  font-size: 18px !important;
}

/* -- Radio pills -- */
.ctl-locations .dealer-locator-widget__dealer-type {
  flex: 1 0 0;
  min-width: 368px;
  max-width: 656px;
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
  align-items: center;
}
.ctl-locations .dealer-locator-widget__radio {
  flex: 1 0 0;
  min-width: 260px;
}
.ctl-locations .dealer-locator-widget__label {
  display: flex;
  align-items: center;
  gap: 16px;
  height: 54px;
  padding: 0 16px;
  background: #f7fafd;
  border: 1px solid #eef2f7;
  border-radius: 80px;
  box-shadow: 0px 1px 1.5px rgba(13, 31, 60, 0.08), 0px 1px 1px rgba(13, 31, 60, 0.04);
  font-size: 18px;
  font-weight: 700;
  color: #0d1f3c;
  cursor: pointer;
  margin: 0;
  user-select: none;
}
/* Custom radio circle */
.ctl-locations .dealer-locator__radio-checkmark {
  width: 26px;
  height: 26px;
  min-width: 22px;
  border-radius: 50%;
  border: 2px solid #c5cfd9;
  background: #fff;
  position: relative;
  margin-right: 0;
}
.ctl-locations .dealer-locator__radio-checkmark::after {
  content: "";
  width: 16px;
  height: 16px;
  background: #01a1c8;
  border-radius: 50%;
  position: absolute;
  left: 50%;
  top: 50%;
  transform: translate(-50%, -50%);
  display: none;
}
.ctl-locations .dealer-locator-widget__label input:checked + .dealer-locator__radio-checkmark {
  border-color: #D4D4D4;
}
.ctl-locations .dealer-locator-widget__label input:checked + .dealer-locator__radio-checkmark::after {
  display: block;
}

/* -- Map container -- */
.ctl-locations .dealer-locator__dealers-gmap {
  display: block !important;
  margin-top: 24px;
}
.ctl-locations .dealer-locator__gmap {
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 2px 12px 0 rgba(0, 0, 0, 0.15);
  flex: unset !important;
}
.ctl-locations .dealer-locator__gmap > * {
  border-radius: 20px;
  overflow: hidden;
  border: none !important;
}

/* Tab bar  underline style matching Figma */
.ctl-locations-faq__tabbar {
  display: flex;
  align-items: stretch;
  border-bottom: 1px solid #CBCBCB;
  gap: 0;
}
.ctl-locations-faq__tabbar-label {
  font-size: 15px;
  font-weight: 700;
  color: #6E6E6E;
  padding: 12px 20px 12px 0;
  white-space: nowrap;
  align-self: center;
}
.ctl-locations-faq__tabs {
  display: flex;
  gap: 32px;
}
.ctl-locations-faq__tab {
  position: relative;
  padding: 12px 32px;
  background: transparent;
  border-top: 1px solid transparent;
  border-right: 1px solid transparent;
  border-left: 1px solid transparent;
  border-bottom: 2px solid transparent;
  margin-bottom: -1px;
  font-family: 'Inter', sans-serif;
  font-size: 20px;
  font-weight: 600;
  color: #0d1f3c;
  cursor: pointer;
  transition: color 0.15s;
  white-space: nowrap;
}
.ctl-locations-faq__tab:hover { color: #01a1c8; }
.ctl-locations-faq__tab--active {
  background: #fff;
  color: #01a1c8;
  border-top-color: #CBCBCB;
  border-right-color: #CBCBCB;
  border-left-color: #CBCBCB;
  border-radius: 16px 16px 0 0;
}

/* Table container  rounded bordered box */
.ctl-locations-faq__panel--hidden { display: none; }
.ctl-locations-faq__content-wrap {
  margin-top: 27px;
}

.faq__answer ul {
  list-style: disc;
  padding-left: 20px;
  margin-bottom: 10px;
}

@media screen and (min-width: 768px) {
  body .title-loan-container {
    margin-left: 0 !important;
  }
}
@media (max-width: 1024px) {
  .ctl-blog { padding-left: 48px; padding-right: 48px; }
  .ctl-locations { padding-left: 48px; padding-right: 48px; }
}

@media (max-width: 767px) {
  .ctl-locations { padding-left: 36px; padding-right: 36px; }
  .ctl-locations .dealer-locator-widget__search-bar,
  .ctl-locations .dealer-locator-widget__dealer-type {
    min-width: 100%;
  }
  .ctl-blog { padding-left: 36px; padding-right: 36px; }
  .ctl-locations-faq__tabs { gap: 0; }
  .ctl-locations-faq__tabbar { overflow-x: auto; -webkit-overflow-scrolling: touch; overflow-y: hidden; }
  .ctl-locations-faq__tab { padding: 16px 15px; font-size: 15px; }
}

/* -- CTL CASH WIDGET (Motorcycle / RV pages) -- */
/* -- CASH WIDGET SECTION  overlaps hero (mirrors .ctl-car-value-section technique) -- */
.ctl-cash-widget-section {
  position: relative;
  margin-top: -38px;
  z-index: 1;
  padding: 0;
}
.ctl-cash-widget-inner {
  max-width: 1200px;
  margin: 0 auto;
  background: linear-gradient(177.47deg, #000000 0%, #1b3f68 69.4%, #1c627d 115.67%);
  border-radius: 70px;
  padding: 45px 60px;
  box-sizing: border-box;
}

/* Widget renders its own title via .car-worth-form-title */
.ctl-cash-widget-inner .car-worth-form-title {
  font-size: 35px;
  font-weight: 700;
  letter-spacing: -1px;
  line-height: 1.1;
  color: #fff;
  margin: 0 0 24px;
}

/* -- customer-info-widget overrides (scoped to cash widget section) -- */
.ctl-cash-widget-inner .title-loan-short-widget {
  max-width: none;
  width: 100%;
  margin: 0;
  padding: 0;
  background: transparent;
  border-radius: 0;
  box-sizing: border-box;
}

/* 3-column flex-wrap field grid */
.ctl-cash-widget-inner .title-loan-short-widget__form-field-wrapper {
  display: flex !important;
  flex-wrap: wrap;
  gap: 16px;
  grid-template-columns: unset !important;
  margin-bottom: 20px;
}
.ctl-cash-widget-inner .title-loan-short-widget__form-group {
  flex: 1 0 0;
  min-width: 260px;
  margin-bottom: 0 !important;
  padding: 0 !important;
  box-sizing: border-box;
}
.ctl-cash-widget-inner .title-loan-short-widget__form-group--zip-state {
  display: flex;
  align-items: center;
  gap: 0;
}
.ctl-cash-widget-inner .title-loan-short-widget__form-group--zip-state .title-loan-short-widget__zip-code {
  flex: 1;
}
.ctl-cash-widget-inner .title-loan-short-widget__state {
  display: none; /* Hidden  zip auto-fills state */
}

/* Inputs & selects */
.ctl-cash-widget-inner .title-loan-short-widget__form-control,
.ctl-cash-widget-inner .title-loan-short-widget__dropdown {
  height: 46px;
  border: 1px solid #d4d4d4 !important;
  border-radius: 8px !important;
  font-size: 13px;
  font-weight: 700;
  color: rgba(53, 53, 53, 0.9);
  padding: 8px 16px !important;
  background: #fff !important;
  width: 100%;
  box-sizing: border-box;
}
.ctl-cash-widget-inner .title-loan-short-widget__form-control::placeholder {
  color: rgba(53, 53, 53, 0.9);
  font-weight: 700;
}
.ctl-cash-widget-inner .title-loan-short-widget__dropdown {
  cursor: pointer;
}

/* Bottom row: consent left, submit button right  on same line */
.ctl-cash-widget-inner .title-loan-short-widget__wrapper {
  display: grid;
  grid-template-columns: 1fr auto;
  grid-template-rows: auto auto auto;
  column-gap: 24px;
  row-gap: 0;
  align-items: center;
}
.ctl-cash-widget-inner .car-worth-form-title {
  grid-column: 1 / -1;
}
.ctl-cash-widget-inner .title-loan-short-widget__form-field-wrapper {
  grid-column: 1 / -1;
}
.ctl-cash-widget-inner .title-loan-short-widget__agreement__terms-of-use {
  grid-column: 1;
  grid-row: 3;
  margin-bottom: 0;
}
.ctl-cash-widget-inner .title-loan-short-widget__agreement__consent-to-share {
  grid-column: 1 / -1;
  margin-bottom: 0;
}
.ctl-cash-widget-inner .text-center {
  grid-column: 2;
  grid-row: 3;
}

/* Consent / checkbox */
.ctl-cash-widget-inner .title-loan-short-widget__checkbox {
  color: rgba(255, 255, 255, 1);
  font-size: 16px;
}
.ctl-cash-widget-inner .title-loan-short-widget__checkbox a {
  color: rgba(255, 255, 255, 1);
}
.ctl-cash-widget-inner .title-loan-short-widget__checkbox-checkmark {
    border: 0px !important;
    width: 28px !important;
    height: 28px !important;
    flex-shrink: 0;
    border-radius: 50% !important;
    margin-top: 0 !important;
    background-color: #ffffff;
}

.title-loan-short-widget__checkbox-checkmark:before {
  position: absolute !important;
  top: 50% !important;
  left: 50% !important;
  bottom: auto !important;
  right: auto !important;
  transform: translate(-50%, -50%) scale(0);
  opacity: 0 !important;
  width: 14px !important;
  height: 14px !important;
  font-size: 0 !important;
  color: transparent !important;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 14 11' fill='none'%3E%3Cpath d='M1.5 5.5L5.5 9.5L12.5 1.5' stroke='%23FFA600' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center / contain no-repeat !important;
  transition: transform 0.15s, opacity 0.15s;
}

.title-loan-short-widget__checkbox-input:checked + .title-loan-short-widget__checkbox-checkmark:before {
  transform: translate(-50%, -50%) scale(1);
  opacity: 1 !important;
}

/* Submit button */
.ctl-cash-widget-inner .title-loan-short-widget__submit {
  background: #01a1c8 !important;
  border: none !important;
  border-radius: 9999px !important;
  width: auto;
  min-width: 140px;
  padding: 13px 36px !important;
  font-size: 15px !important;
  font-weight: 700;
  text-transform: none !important;
  letter-spacing: 0;
  cursor: pointer;
  color: #fff !important;
  white-space: nowrap;
}
.ctl-cash-widget-inner .title-loan-short-widget__submit:hover {
  opacity: 0.88;
}

@media (max-width: 900px) {
  .ctl-cash-widget-section { padding: 0 16px 48px; margin-top: 0; }
  .ctl-cash-widget-inner { border-radius: 32px; padding: 32px 28px; }
  .ctl-cash-widget-inner .title-loan-short-widget__wrapper {
    grid-template-columns: 1fr;
  }
  .ctl-cash-widget-inner .text-center {
    grid-column: 1;
    grid-row: auto;
    justify-content: center;
    margin-top: 16px;
  }
  .ctl-cash-widget-inner .title-loan-short-widget__form-group { min-width: 100%; }
  .ctl-cash-widget-inner .title-loan-short-widget__submit { width: 100%; }
}

/* -- 3-column benefits grid -- */
.ctl-benefits__cards--three {
  grid-template-columns: repeat(3, 1fr);
}

/* -- 4-column benefits grid -- */
.ctl-benefits__cards--four {
  grid-template-columns: repeat(4, 1fr);
}
.mtl-benefits__cards--four {
  grid-template-columns: repeat(2, 1fr);
}
@media (max-width: 900px) {
  .ctl-benefits__cards--four {
    grid-template-columns: repeat(2, 1fr);
  }
}
@media (max-width: 540px) {
  .ctl-benefits__cards--four {
    grid-template-columns: 1fr;
  }
}

/* -- CTL CONTACT -- */
.ctl-contact {
  background: var(--navy);
  padding: 60px 36px;
}
.ctl-contact__inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 32px;
  text-align: center;
}
.ctl-contact__heading {
  font-size: 22px;
  font-weight: 700;
  color: #fff;
  max-width: 640px;
  line-height: 1.5;
  margin: 0;
}
.ctl-contact__details {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 32px;
}
.ctl-contact__item {
  display: flex;
  align-items: center;
  gap: 10px;
  color: rgba(255,255,255,0.8);
  font-size: 15px;
  font-weight: 600;
}
.ctl-contact__item svg { flex-shrink: 0; color: #01a1c8; }
.ctl-contact__item p { margin: 0; line-height: 1.5; }
@media (max-width: 768px) {
  .ctl-contact { padding: 48px 20px; }
  .ctl-contact__heading { font-size: 18px; }
}

/* -- CTL DISCLAIMER -- */
.ctl-disclaimer {
  background: linear-gradient(160deg, #01A1C8 8.49%, #2B4C81 91.51%);
  padding: 32px 20px;
}
.ctl-disclaimer__inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.ctl-disclaimer__inner p {
  font-size: 12px;
  color: #FFF;
  margin: 0;
  line-height: 1.5;
}

/* -- CTL RESPONSIVE: 1024px -- */
@media (max-width: 1024px) {
  .ctl-hero { padding: 60px 48px; }
  .ctl-hero__circles .hero__circle--1 {
    left: 0;
    bottom: -150px;
  }
  .ctl-hero__circles .hero__circle--2 {
    top: auto;
  }
  .ctl-hero__circles .hero__circle--3 {
    width: 300px;
    height: 300px;
    left: auto;
    transform: translateX(80%);
    right: 0;
    top: 30px;
  }
  .ctl-hero__inner { padding-right: 40px; gap: 64px; }
  .ctl-hero__inner--no-padding-right { padding-right: 0; }
  .ctl-hero__copy { max-width: 50%; flex-basis: 50%; }
  .ctl-hero__headline { font-size: 40px; }
  .ctl-hero__photo-wrap { padding-right: 0; }
  .ctl-hero__photo { max-width: 420px; height: 290px; }
  .ctl-hero__ring { position: absolute; left: auto; top: -39px; right: -70px; width: 240px; height: 240px; pointer-events: none; z-index: 0; opacity: 0.55; }
  .ctl-hero__dots { left: -50px; }
  .ctl-hero__savings-badge { right: -40px; }
  .ctl-car-value-section { padding: 0; border-radius: 0; }
  .ctl-car-value-widget { margin-top: 0; }
  body .ctl-car-value-widget .car-worth-form { border-radius: 0; padding: 60px 48px;}
  .ctl-make-car-work { padding-left: 48px; padding-right: 48px; }
  .ctl-how-works { padding-left: 48px; padding-right: 48px; }
  .ctl-how-works__top { flex-direction: column; }
  .ctl-how-works__copy { width: 100%; }
  .ctl-how-works__cards {
    grid-template-columns: repeat(2, 1fr);
  }
  .ctl-what-is { padding-left: 48px; padding-right: 48px; }
  .ctl-what-is__copy { flex: 0 0 432px; }
  .ctl-what-is__photo-wrap { flex: 0 0 calc(100% - 472px); height: 340px; }
  .ctl-what-is__inner { gap: 40px; }
  .ctl-benefits { padding-left: 48px; padding-right: 48px; }
  .ctl-benefits__cards { gap: 16px; }
  .ctl-process { padding-left: 48px; padding-right: 48px; }
  .ctl-tips { padding-left: 48px; padding-right: 48px; }
  .ctl-disclaimer { padding-left: 48px; padding-right: 48px; }
}

@media (max-width: 991px) {
  .ctl-what-is__copy, .ctl-what-is__photo-wrap { flex-basis: calc(50% - 20px); }
}

/* -- CTL RESPONSIVE: 767px -- */
@media (max-width: 767px) {
  .ctl-hero { padding: 48px 36px 64px; }
  .ctl-hero__circles .hero__circle--1 { bottom: -100px; opacity: 0.5; width: 200px; height: 200px; left: 0; top: 220px; }
  .ctl-hero__circles .hero__circle--2 { width: 200px; height: 200px; left: auto; right: -20px; top: auto; bottom: 0; }
  .ctl-hero__circles .hero__circle--3 { width: 240px; height: 240px; transform: translate(55%, -41%); top: 50%; }
  .ctl-hero__circles .hero__circle--4 { width: 160px; height: 160px; left: auto; top: -5px; right: -15px; }
  .ctl-hero__inner { flex-direction: column; padding-right: 0; gap: 40px; }
  .ctl-hero__copy { max-width: none; flex-basis: auto; width: 100%; }
  .ctl-hero__photo-wrap { width: 100%; max-width: none; height: auto; min-height: 0; flex: none; justify-content: flex-start; }
  .ctl-hero__photo { max-width: calc(100% - 36px); aspect-ratio: 3 / 2; height: auto; }
  .ctl-hero__inner--no-padding-right .ctl-hero__photo { max-width: 100%; }
  .ctl-hero__ring { width: 240px; height: 240px; right: -45px; }
  .ctl-hero__dots { left: -20px; bottom: -10px; width: 121px; height: 96px; }
  .ctl-hero__savings-badge { right: 0; bottom: -10px; }
  body .ctl-car-value-widget .car-worth-form { padding-left: 36px; padding-right: 36px; }
  .ctl-car-value__row { grid-template-columns: 1fr 1fr; }
  .ctl-car-value__inner { padding: 24px; }
  .ctl-car-value__consent { flex-direction: column; align-items: flex-start; }
  .ctl-make-car-work { padding-left: 36px; padding-right: 36px; }
  .ctl-how-works { padding-left: 36px; padding-right: 36px; }
  .ctl-how-works__inner { gap: 27px; }
  .ctl-how-works__top { flex-direction: column; }
  .ctl-how-works__copy { width: 100%; }
  .ctl-how-works__video-wrap { height: 220px; }
  .ctl-how-works__cards { grid-template-columns: 1fr; gap: 16px; }
  .ctl-how-works__card { padding: 30px 24px; }
  .ctl-what-is { padding-left: 36px; padding-right: 36px; }
  .ctl-what-is__inner { flex-direction: column; }
  .ctl-what-is__copy { flex: none; }
  .ctl-what-is__photo-wrap { flex: none; width: 100%; height: 260px; border-radius: 16px; }
  .ctl-benefits { padding-left: 36px; padding-right: 36px; }
  .ctl-benefits__cards { grid-template-columns: 1fr; }
  .ctl-process { padding-left: 36px; padding-right: 36px; }
  .ctl-process__steps { display: block; width: 100%; overflow: visible; align-items: stretch; }
  .slider__slide {
    display: none;
    width: 100%;
    box-sizing: border-box;
  }
  .slider__slide.is-active { display: flex; }
  .slider__dots {
    display: flex;
    justify-content: center;
    gap: 8px;
    margin-bottom: 4px;
  }
  .slider__dot {
    width: 10px;
    height: 10px;
    border-radius: 50%;
    background: rgba(206, 206, 206, 1);
    border: none;
    cursor: pointer;
    padding: 0;
    transition: background 0.2s, transform 0.2s;
    flex-shrink: 0;
  }
  .slider__dot.is-active{
    background: var(--cyan);
    transform: scale(1.2);
  }
  .ctl-process__connector { display: none; }
  .ctl-tips { padding-left: 36px; padding-right: 36px; }
  .ctl-tips__title { text-align: center; }
  .ctl-tips__subtitle { text-align: center; }
  .ctl-tips__ctas { flex-direction: column; }
  .ctl-disclaimer { padding-left: 36px; padding-right: 36px; }
}

/* -- CTL RESPONSIVE: 480px -- */
@media (max-width: 480px) {
  .ctl-hero__savings-label { font-size: 13px; }
  .ctl-hero__savings-amount { font-size: 24px; }
}

/* ============================================================
   AUTO LOAN REFINANCE PAGE STYLES  
   ============================================================ */
.alr-hero {
  background: #f5f8fa;
  padding: 72px 0;
}
.alr-hero .container {
  max-width: 1440px;
  margin: 0 auto;
}
.alr-hero__inner {
  display: flex;
  align-items: center;
  gap: 165px;
}
.alr-hero__circles { display: none; }
.alr-hero__copy {
  flex: 1 1 0;
  display: flex;
  flex-direction: column;
  gap: 24px;
  min-width: 0;
}
.alr-hero__headline {
  font-family: 'proxima-nova', sans-serif;
  font-size: 80px;
  font-weight: 500;
  line-height: 96px;
  letter-spacing: -3.2px;
  color: #21292d;
  margin: 0;
}
.alr-hero__subline {
  font-family: 'proxima-nova', sans-serif;
  font-size: 32px;
  font-weight: 400;
  line-height: 38.4px;
  letter-spacing: -1.29px;
  color: #21292d;
  margin: 0;
}
/* node 4426:9150 — 671×468, border-radius 40px, padding 32px, overflow hidden */
.alr-hero__photo-wrap {
  flex: 0 0 671px;
  width: 671px;
  height: 468px;
  border-radius: 40px;
  overflow: hidden;
  box-shadow: 0px 8px 28px -6px rgba(86,117,135,0.3), 0px 18px 88px -4px rgba(86,117,135,0.3);
  padding: 32px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: flex-end;
  position: relative;
  background: #aab4be;
}
/* background image: absolute, 215.04% tall, top -72.32% */
.alr-hero__photo-bg {
  position: absolute;
  inset: 0;
  overflow: hidden;
  pointer-events: none;
}
.alr-hero__photo-bg img {
  position: absolute;
  width: 100%;
  height: 215.04%;
  top: -72.32%;
  left: 0;
  object-fit: cover;
  display: block;
  max-width: none;
}
/* hidden on desktop — border-left on note serves as divider there */
.alr-hero__savings-divider { display: none; }

/* node 4426:9151 — 546px wide, border 2px white, border-radius 24px, gap 24px, blur 40px */
.alr-hero__savings-badge {
  position: relative;
  z-index: 2;
  width: 546px;
  display: flex;
  align-items: center;
  gap: 24px;
  padding: 24px;
  border: 2px solid #fff;
  border-radius: 24px;
  backdrop-filter: blur(40px);
  -webkit-backdrop-filter: blur(40px);
  background: rgba(255,255,255,0.15);
}
.alr-hero__savings-value-wrap {
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.alr-hero__savings-amount {
  font-family: 'proxima-nova', sans-serif;
  font-size: 48px;
  font-weight: 500;
  line-height: 57.6px;
  letter-spacing: -1.9px;
  color: #fff;
  margin: 0;
  white-space: nowrap;
}
/* node 4426:9154 — 16px/700, w 148px */
.alr-hero__savings-label {
  font-family: 'proxima-nova', sans-serif;
  font-size: 16px;
  font-weight: 700;
  line-height: 19.2px;
  letter-spacing: -0.31px;
  color: #fff;
  margin: 0;
  width: 148px;
}
/* node 4426:9155/9156 — border-left white, pl 24px, 20px/600, w 176px */
.alr-hero__savings-note {
  font-family: 'proxima-nova', sans-serif;
  display: block;
  width: 230px;
  padding-left: 24px;
  border-left: 1px solid #fff;
  font-size: 20px;
  font-weight: 600;
  line-height: 24px;
  letter-spacing: -0.39px;
  color: #fff;
}

/* ALR hero + form bar — Proxima Nova fallback; swap to 'proxima-nova' when Typekit kit is available */
.alr-hero__headline,
.alr-hero__subline,
.alr-hero__savings-amount,
.alr-hero__savings-label,
.alr-hero__savings-note,
.phone-entry-widget__title,
.phone-entry-widget__subline,
.phone-entry-widget .form-control,
.phone-entry-widget .btn-submit,
.phone-entry-widget__agreement {
  font-family: 'proxima-nova', sans-serif;
}

/* ALR Shared Tokens */
.alr-section-eyebrow {
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: rgba(33,41,45,0.55);
  margin-bottom: 8px;
}

/* ALR Hero Responsive */
@media (max-width: 1440px) {
  .alr-hero__headline { font-size: clamp(48px, 5.5vw, 80px); line-height: 1.2; }
  .alr-hero__subline  { font-size: clamp(22px, 2.2vw, 32px); line-height: 1.2; }
  .alr-hero__inner    { gap: clamp(40px, 8vw, 124px); }
  .alr-hero__photo-wrap { flex: 0 0 clamp(300px, 46.6vw, 671px); width: clamp(300px, 46.6vw, 671px); height: clamp(210px, 32.5vw, 468px); }
  .alr-hero__savings-badge { width: calc(100% - 64px); }
  .alr-hero__savings-amount { font-size: clamp(32px, 3.3vw, 48px); line-height: 1.2; }
}
/* node 4426:9241/9249 — mobile hero */
@media (max-width: 768px) {
  .alr-hero { padding: 24px 0 32px; }
  .alr-hero .container { padding: 0 16px; }
  .alr-hero__inner { flex-direction: column; gap: 24px; }
  .alr-hero__copy { width: 100%; gap: 8px; }
  .alr-hero__headline { font-size: 24px; line-height: 28.8px; letter-spacing: -0.48px; }
  .alr-hero__subline  { font-size: 16px; line-height: 19.2px; letter-spacing: -0.31px; }
  /* photo card: 264px tall, keep 40px border-radius, 16px padding */
  .alr-hero__photo-wrap {
    flex: none; width: 100%; height: 264px;
    border-radius: 40px; padding: 16px;
  }
  .alr-hero__photo-bg img { height: 203.38%; top: -70.19%; }
  /* badge — node 4426:9250: justify-between, no gap, fixed child widths */
  .alr-hero__savings-badge {
    width: 100%; padding: 16px; justify-content: space-between; gap: 0;
  }
  .alr-hero__savings-value-wrap { width: 117px; flex-shrink: 0; }
  /* node 4426:9254 — separate divider span replaces border-left on note */
  .alr-hero__savings-divider {
    display: block;
    width: 1px;
    align-self: stretch;
    background: #fff;
    flex-shrink: 0;
  }
  .alr-hero__savings-amount { font-size: 32px; line-height: 38.4px; letter-spacing: -1.29px; }
  .alr-hero__savings-label  { font-size: 14px; line-height: 16.8px; width: auto; }
  .alr-hero__savings-note   { font-size: 14px; font-weight: 400; line-height: 16.8px; width: 131px; border-left: none; padding-left: 0; }
}

/* --------------------------------------------------------------
   AUTO LOAN REFINANCE PAGE  (prefix: alr-)
   Figma: Loan-Center-Credit-Card  node 3312:19426
-------------------------------------------------------------- */

/* -- ALR INTRO (Ready to reduce your monthly payments?) -- */
.alr-intro {
  padding: 70px 20px;
}
.alr-intro__inner {
  max-width: 1402px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: 64px;
  padding: 0px 24px;
}
.alr-intro__copy {
  flex: 0 0 568px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.alr-intro__title {
  font-size: 38px;
  font-weight: 700;
  color: #21292d;
  letter-spacing: -.5px;
  line-height: 1.2;
  margin: 0;
}
.alr-intro__body {
  font-size: 16px;
  line-height: 1.7;
  color: rgba(33,41,45,0.75);
  margin: 0;
}
.alr-intro__photo-wrap {
  flex: 0 0 calc(100% - 632px);
  height: 426px;
  border-radius: 28px;
  overflow: hidden;
  box-shadow: 0 12px 40px rgba(13,31,60,0.12), 0 4px 12px rgba(13,31,60,0.06);
}
.alr-intro__photo {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

/* -- ALR WHY REFINANCE (4-card row on gradient bg) -- */
.alr-why {
  background: #f5f8fa;
  padding: 70px 20px;
}
.alr-why__inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 40px;
}
.alr-why__header {
  text-align: center;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.alr-why__title {
  font-size: 40px;
  font-weight: 700;
  color: #21292d;
  letter-spacing: -.5px;
  line-height: 1.2;
  margin: 0;
}
.alr-why__subtitle {
  font-size: 16px;
  color: rgba(33,41,45,0.7);
  line-height: 1.6;
  margin: 0;
}
.alr-why__cards {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.alr-why__card {
  background: #fff;
  border-radius: 20px;
  padding: 28px 24px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 16px;
  box-shadow: 0 1px 1.5px rgba(13,31,60,0.08), 0 1px 1px rgba(13,31,60,0.04);
}
.alr-why__card-icon {
  width: 64px;
  height: 64px;
  border-radius: 9999px;
  background: #f5f8fa;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.alr-why__card-text {
  font-size: 18px;
  font-weight: 700;
  line-height: 1.4;
  color: #21292d;
  letter-spacing: -.3px;
  margin: 0;
}

/* -- ALR PROCESS (How Can I Refinance?  4 steps) -- */
.alr-process {
  padding: 70px 20px;
}
.alr-process__inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 48px;
}
.alr-process__header {
  display: flex;
  flex-direction: column;
  gap: 16px;
  align-items: center;
  text-align: center;
}
.alr-process__title {
  font-size: 40px;
  font-weight: 800;
  color: #21292d;
  letter-spacing: -.5px;
  margin: 0;
  line-height: 1.2;
}
.alr-process__subtitle {
  font-size: 16px;
  color: rgba(33,41,45,0.75);
  line-height: 1.6;
  margin: 0;
}
.alr-process__steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 43px;
  position: relative;
}
.alr-process__connector {
  position: absolute;
  top: 45px;
  left: calc(12.5% + 20px);
  width: calc(75% - 40px);
  height: 2px;
  background: #c9e0ff;
  z-index: 0;
}
.alr-process__step {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 16px;
  position: relative;
  z-index: 1;
}
.alr-process__circle {
  width: 92px;
  height: 92px;
  border-radius: 9999px;
  background: #fff;
  box-shadow: 0 0 3.5px rgba(108,127,131,0.4);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  position: relative;
}
.alr-process__circle::before {
  content: "";
  position: absolute;
  width: 119px;
  height: 119px;
  left: 50%;
  top: 50%;
  transform: translate(-50%, -50%);
  border-radius: 50%;
  background: #bacad3;
  opacity: 0.8;
  -webkit-mask: radial-gradient(farthest-side, transparent calc(100% - 8px), #000 calc(100% - 8px));
  mask: radial-gradient(farthest-side, transparent calc(100% - 8px), #000 calc(100% - 8px));
  pointer-events: none;
}
.alr-process__circle span {
  font-size: 45px;
  font-weight: 600;
  color: #ffa600;
  line-height: 1;
}
.alr-process__step-title {
  font-size: 18px;
  font-weight: 700;
  color: #21292d;
  letter-spacing: -.3px;
  margin: 0;
  line-height: 1.5;
  max-width: 200px;
}
.alr-process__step-desc {
  font-size: 15px;
  font-weight: 400;
  color: rgba(33,41,45,0.7);
  line-height: 1.72;
  margin: 0;
}

/* -- ALR BENEFITS (dark gradient bg, two-column copy + photo) -- */
.alr-benefits {
  background: #f5f8fa;
  padding: 70px 20px;
}
.alr-benefits__inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: 64px;
}
.alr-benefits__copy {
  flex: 0 0 568px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.alr-benefits__eyebrow {
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: rgba(33,41,45,0.55);
  margin: 0;
}
.alr-benefits__title {
  font-size: 38px;
  font-weight: 700;
  color: #21292d;
  letter-spacing: -.5px;
  line-height: 1.2;
  margin: 0;
}
.alr-benefits__body {
  font-size: 16px;
  line-height: 1.7;
  color: rgba(33,41,45,0.75);
  margin: 0;
}
.alr-benefits__photo-wrap {
  flex: 0 0 calc(100% - 632px);
  height: 426px;
  border-radius: 28px 70px 28px 28px;
  overflow: hidden;
  box-shadow: 0 12px 40px rgba(33,41,45,0.12), 0 4px 12px rgba(33,41,45,0.06);
}
.alr-benefits__photo {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

/* -- ALR RESPONSIVE -- */
@media (max-width: 1024px) {
  .alr-benefits__inner {
    gap: 40px;
  }
  .alr-benefits__copy, .alr-benefits__photo-wrap { flex: 1 1 50%; }
  .alr-intro__copy,
  .alr-intro__photo-wrap {
    flex: 0 0 auto;
    width: 100%;
  }
  .alr-intro__photo-wrap,
  .alr-benefits__photo-wrap {
    height: 320px;
  }

  .alr-intro__copy,
  .alr-intro__photo-wrap {
    flex: 1 1 50%;
  }

  .alr-why__cards {
    grid-template-columns: repeat(2, 1fr);
  }
  .alr-process__steps {
    grid-template-columns: repeat(2, 1fr);
    gap: 36px;
  }
  .alr-process__connector {
    display: none;
  }
  .alr-intro__title,
  .alr-benefits__title,
  .alr-why__title,
  .alr-process__title {
    font-size: 32px;
  }
}
@media (max-width: 768px) {
  .alr-intro,
  .alr-why,
  .alr-process,
  .alr-benefits {
    padding: 48px 36px;
  }
  .alr-intro__inner {
    flex-direction: column;
    gap: 40px;
  }
  .alr-benefits__inner {
    flex-direction: column;
  }
  .alr-intro__photo-wrap {
    height: 260px;
  }
  .alr-benefits__photo-wrap {
    height: auto;
    width: 100%;
  }
  .alr-benefits__inner {
    flex-direction: column;
  }
  .alr-intro__title,
  .alr-benefits__title,
  .alr-why__title,
  .alr-process__title {
    font-size: 28px;
  }
  
  /* Process Steps as Slider on Mobile */
  .alr-process__steps {
    display: block;
    width: 100%;
    overflow: visible;
  }
  .slider__slide {
    display: none;
    width: 100%;
    box-sizing: border-box;
  }
  .slider__slide.is-active {
    display: flex;
  }
  .slider__dots {
    display: flex;
    justify-content: center;
    gap: 8px;
    margin-top: 24px;
    margin-bottom: 4px;
  }
  .slider__dot {
    width: 10px;
    height: 10px;
    border-radius: 50%;
    background: rgba(206, 206, 206, 1);
    border: none;
    cursor: pointer;
    padding: 0;
    transition: background 0.2s, transform 0.2s;
    flex-shrink: 0;
  }
  .slider__dot.is-active {
    background: var(--cyan);
    transform: scale(1.2);
  }
  .alr-process__connector {
    display: none;
  }
}
@media (max-width: 560px) {
  .alr-why__cards {
    grid-template-columns: 1fr;
  }
  .alr-process__steps {
    grid-template-columns: 1fr;
  }
}

/* -- CALCULATOR RESPONSIVE -- */
@media (max-width: 1024px) {
  .calculator__body {
    padding: 40px 36px;
  }
  .calculator__controls {
    flex: 1;
  }
  .calculator__monthly {
    border-radius: 20px;
    border: 1px solid #D9D9D9;
    padding: 30px 24px 40px;
    gap: 8px;
  }
  .alr-calculator {
    padding: 0;
    background: transparent;
  }
  .calculator__inner {
    max-width: 100%;
  }
  .calculator__panel {
    border-radius: 0;
    padding: 60px 45px;
    gap: 27px;
  }
  .calculator__title {
    font-size: 34px;
    line-height: 1.27;
  }
}

@media (max-width: 991px) {
  .calculator__body {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 767px) {
  .calculator__panel {
    padding: 60px 36px;
  }
  .calculator__totals {
    flex-wrap: wrap;
  }
}

@media (max-width: 440px) {
  .alr-calculator {
    background: linear-gradient(180deg, #2b4c81 0%, #01a1c8 100%);
  }
  .calculator__inner {
    max-width: 100% !important;
  }
  .calculator__panel {
    background: transparent;
    border-radius: 0 !important;
    gap: 20px !important;
    align-items: center !important;
    text-align: center !important;
    width: 100%;
  }
  .calculator__chip {
    align-self: center;
  }
  .calculator__label-row {
    flex-direction: column;
  }
  .calculator__body {
    padding: 40px 24px;
  }
  .calculator__controls {
    width: 100%;
    text-align: left;
  }
  .calculator__monthly-amount {
    font-size: 36px;
  }
}

/* ════════════════════════════════════════════════════════════
   POLICY PAGE TEMPLATE (terms-*)
    - WIRELESS POLICY PAGE
    - ESIGN POLICY PAGE
    - PRIVACY POLICY PAGE
════════════════════════════════════════════════════════════ */

/* -- Hero -- */
.terms-hero {
  position: relative;
  overflow: visible;
  background: linear-gradient(170.9deg, #01a1c8 8.49%, #2b4c81 91.51%);
  padding: 70px 24px 0;
}
.terms-hero__inner {
  max-width: 1200px;
  margin: 0 auto;
}
.terms-hero__card {
  position: relative;
  z-index: 2;
  border-radius: 30px;
  overflow: hidden;
  background-size: cover;
  background-position: center;
  padding: 48px 60px;
  box-sizing: border-box;
  margin-bottom: -24px;
}
.terms-hero__headline {
  font-size: 44px;
  font-weight: 700;
  color: #fff;
  margin: 0;
  letter-spacing: 1px;
}

.terms-section__head {
  display: flex;
  flex-direction: column;
  gap: 24px;
  margin-bottom: 32px;
}

/* -- Category tabs -- */
.terms-tabs {
  display: flex;
  flex-wrap: wrap;
  align-items: flex-end;
  gap: 16px 48px;
  border-bottom: 1px solid #d7d7d7;
}
.terms-tabs__item {
  display: flex;
  align-items: center;
  padding: 16px 0;
  font-family: 'Inter', sans-serif;
  font-size: 16px;
  font-weight: 400;
  line-height: 1.65;
  color: #191919;
  white-space: nowrap;
  background: transparent;
  border: none;
  border-bottom: 5px solid transparent;
  margin-bottom: -1px;
  transition: border-color 0.2s, font-weight 0.2s;
}
.terms-tabs__item:hover {
  color: #191919;
  border-bottom-color: rgba(1, 170, 211, 0.4);
  cursor: pointer;
}
.terms-tabs__item--active {
  font-weight: 700;
  border-bottom-color: #01aad3;
}

/* -- Content -- */
.terms-content {
  position: relative;
  background: #fff;
  padding: 70px 24px 72px;
  z-index: 1;
}
.terms-content__inner {
  max-width: 1200px;
  margin: 0 auto;
}
.terms-content__page-title {
  font-size: 24px;
  font-weight: 700;
  color: #0d1b2e;
  margin: 0 0 28px;
}
.terms-content__state-heading {
  font-size: 18px;
  font-weight: 700;
  color: #0d1b2e;
  line-height: 27.2px;
  margin-bottom: 24px;
}
.terms-content__body {
  color: #0D1F3C;
  font-family: Inter;
  font-size: 16px;
  font-style: normal;
  font-weight: 400;
  line-height: 27.2px;
  margin-bottom: 24px;
  word-break: break-word;
}
.terms-content__list,
.terms-content__policy-list--no-disc {
  margin-bottom: 24px;
  color: #0D1F3C;
  font-family: Inter;
  font-size: 16px;
  font-style: normal;
  font-weight: 400;
  line-height: 27.2px;
}
.terms-content__list {
  padding-left: 36px;
}
.terms-content__policy-list--no-disc {
  list-style: none;
  padding-left: 0;
}
.terms-content__list a,
.terms-content__policy-list--no-disc a,
.terms-content__body a {
  color: #01a1c8;
  text-decoration: none;
  word-wrap: break-word;
}

.terms-content__policy-list--no-disc ul,
.terms-content__policy-list--no-disc ol {
  padding-left: 36px;
  margin-bottom: 24px;
}

.terms-content__list li,
.terms-content__policy-list--no-disc li {
  margin-bottom: 8px;
}
.terms-content__list ul,
.terms-content__list ol,
.terms-content__policy-list--no-disc ul,
.terms-content__policy-list--no-disc ol {
  margin-top: 16px;
}

/* -- Policy Responsive -- */
@media (max-width: 1024px) {
  .terms-hero {
    padding: 70px 48px;
  }
  .terms-hero__card {
    margin-bottom: 0;
    padding: 48px;
  }
  .terms-content {
    padding: 70px 48px;
  }
}
@media (max-width: 768px) {
  .terms-hero {
    padding-left: 36px;
    padding-right: 36px;
  }
  .terms-content {
    padding-left: 36px;
    padding-right: 36px;
  }
}
@media (max-width: 480px) {
  .terms-hero__card {
    padding-left: 36px;
    padding-right: 36px;
  }
  .terms-hero__headline {
    font-size: 28px;
  }
}

/* =============================================================
   PROMO CODE PAGE  (pcp- prefix)
   ============================================================= */

.pcp-hero {
  position: relative;
  overflow: hidden;
  background: linear-gradient(167.15deg, var(--cyan) 8.49%, var(--mid-blue) 91.51%);
  padding: 100px 24px;
}
.pcp-hero__bubbles { position: absolute; inset: 0; pointer-events: none; overflow: hidden; }
.pcp-hero__bubbles .hero__circle--3 { width: 480px; height: 480px; transform: translateX(85%); top: -220px; }

.pcp-hero__inner {
  position: relative;
  max-width: 669px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 32px;
  text-align: center;
}

.pcp-hero__headline {
  margin: 0;
  color: #fff;
  font-size: 44px;
  font-weight: 700;
  line-height: 1.15;
  letter-spacing: -1px;
}

/* -- Apply Online Now card -- */
.pcp-card {
  width: 100%;
  max-width: 569px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 24px;
  background: linear-gradient(170.53deg, #000000 0%, #1b3f68 69.4%, #1c627d 115.67%);
  border-radius: 70px;
  padding: 45px 60px;
  box-sizing: border-box;
}

.pcp-card__title {
  margin: 0;
  width: 100%;
  color: #fff;
  font-size: 22px;
  font-weight: 700;
  line-height: 1.227;
  letter-spacing: -0.3px;
  text-align: center;
}

.pcp-card__consent {
  width: 100%;
}
.pcp-card__consent p {
  margin: 0;
  color: #fff;
  font-size: 16px;
  line-height: 1.65;
  text-align: center;
}
.pcp-card__consent a {
  color: #fff;
  text-decoration: underline;
}

.pcp-card__phone {
  display: block;
  color: #fff;
  font-size: 22px;
  font-weight: 700;
  line-height: 1.227;
  letter-spacing: -0.3px;
  text-align: center;
  text-decoration: none;
}
.pcp-card__phone:hover { text-decoration: underline; color: #fff; }

/* -- [wcc-promo-code] widget overrides -- */
.pcp-widget { width: 100%; }
.pcp-widget nowcom-widgets-promo-code-container,
.pcp-widget .promo-code-container,
.pcp-widget .promo-code-container .wrapper {
  display: block;
  width: 100%;
}
/* Heading is projected via the shortcode's own content-container; the page
   already renders its own title above the widget, so hide the widget's copy
   to avoid a duplicate/empty heading block. */
.pcp-widget .promo-code-container > .wrapper > .heading { display: none; }

.pcp-widget .form-group { width: 100%; margin-bottom: 16px; }
.pcp-widget .form-group:last-of-type { margin-bottom: 0; }

.pcp-widget .form-control,
.pcp-widget .dropdown-toggler {
  width: 100%;
  height: 47px;
  box-sizing: border-box;
  padding: 8px 16px;
  background: #fff;
  border: 1px solid #d4d4d4;
  border-radius: 8px;
  font-family: 'Inter', sans-serif;
  font-size: 13px;
  font-weight: 700;
  color: rgba(53, 53, 53, 0.9);
}
.pcp-widget .form-control::placeholder { color: rgba(53, 53, 53, 0.9); font-weight: 700; }
.pcp-widget .form-control:focus,
.pcp-widget .dropdown-toggler:focus { outline: none; border-color: var(--cyan); }

/* Product-type dropdown (shown for MANUAL_B / "Show 3 Products") */
.pcp-widget .dropdown-wrapper { position: relative; width: 100%; }
.pcp-widget .dropdown-toggler {
  display: flex;
  align-items: center;
  justify-content: space-between;
  cursor: pointer;
  gap: 15px;
}
.pcp-widget .dropdown-toggler .caret {
  flex-shrink: 0;
  width: 10px;
  height: 5px;
  border-left: 5px solid transparent;
  border-right: 5px solid transparent;
  border-top: 5px solid rgba(53, 53, 53, 0.9);
}
.pcp-widget .dropdown-items {
  position: absolute;
  left: 0;
  right: 0;
  top: calc(100% + 4px);
  z-index: 20;
  margin: 0;
  padding: 4px 0;
  list-style: none;
  background: #fff;
  border: 1px solid #d4d4d4;
  border-radius: 8px;
  overflow-y: auto;
  box-shadow: 0 8px 15px rgba(26, 105, 196, 0.15);
}
.pcp-widget .dropdown-wrapper:not(.toggled) .dropdown-items { display: none; }
.pcp-widget .dropdown-items li a {
  display: flex;
  align-items: center;
  padding: 0 16px;
  font-family: 'Inter', sans-serif;
  font-size: 13px;
  font-weight: 700;
  color: rgba(53, 53, 53, 0.9);
  text-decoration: none;
}
.pcp-widget .dropdown-items li a:hover,
.pcp-widget .dropdown-items li a.active { background: #f7fafd; color: var(--mid-blue); }

.pcp-widget .messages-wrapper { width: 100%; }
.pcp-widget .not-found-message,
.pcp-widget .maxed-attempt-message {
  color: #fff;
  text-align: center;
  font-size: 14px;
  margin-bottom: 16px;
}

.pcp-widget .action-wrapper {
  width: 100%;
  display: flex;
  justify-content: center;
  margin-top: 8px;
}
.pcp-widget .btn.btn-primary {
  width: 187px;
  padding: 11px 24px;
  background: #00a9ce;
  color: #fff;
  border: none;
  border-radius: 9999px;
  font-family: 'Inter', sans-serif;
  font-size: 15px;
  font-weight: 600;
  box-shadow: 0 8px 15px rgba(26, 105, 196, 0.25);
  cursor: pointer;
  transition: opacity .2s;
}
.pcp-widget .btn.btn-primary:hover { opacity: .88; }
.pcp-widget .btn.btn-primary:disabled { opacity: .6; cursor: not-allowed; }

.pcp-widget .ohnohoney { position: absolute; left: -9999px; opacity: 0; }

@media (max-width: 767px) {
  .pcp-hero { padding-left: 48px; padding-right: 48px; }
}
@media (max-width: 767px) {
  .pcp-hero { padding: 64px 36px; }
  .pcp-hero__headline { font-size: 32px; }
  .pcp-card { padding: 40px; border-radius: 40px; }
  .pcp-card__title,
  .pcp-card__phone { font-size: 18px; }
}

/* ------------------------------------------------------------
   REVIEWS PAGE  (reviews-*)
------------------------------------------------------------ */

/* -- Hero ------------------------------------------- */
.reviews-hero {
  position: relative;
  background: linear-gradient(175.93deg, #01a1c8 8.49%, #2b4c81 91.51%);
  padding: 36px 24px 0;
  overflow: visible;
}

/* Decorative bubbles  match Figma: left, bottom-center, top-right */
.reviews-hero__circles {
  position: absolute;
  inset: 0;
  pointer-events: none;
  overflow: hidden;
}
.reviews-hero__circle {
  position: absolute;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.08);
}
.reviews-hero__circle--1 {
  /* large left circle, mostly off-screen left */
  width: 560px;
  height: 560px;
  left: 50%;
  top: 100px;
  transform: translateX(-185%);
}
.reviews-hero__circle--2 {
  /* large bottom-center circle, mostly below fold */
  width: 500px;
  height: 500px;
  left: 50%;
  transform: translateX(-50%);
  top: 160px;
}
.reviews-hero__circle--3 {
  /* large top-right circle, mostly off-screen right */
  width: 500px;
  height: 500px;
  left: 50%;
  transform: translateX(80%);
  top: -320px;
}

/* -- Featured card outer wrapper ------------------- */
/* Pull this entire section up so the card floats over the hero.
   No background here  the card's own white bg creates the visual. */
.reviews-featured-inner {
  max-width: 1200px;
  margin: 0 auto;
}

/* -- Featured card --------------------------------- */
.reviews-featured-card {
  display: flex;
  align-items: center;
  gap: 64px;
  background: #fff;
  border: 2px solid #e8dfdf;
  border-radius: 30px;
  box-shadow: 0 4px 2.5px rgba(0, 0, 0, 0.06);
  padding: 40px;
  position: relative;
  z-index: 10;
}

.reviews-featured-card__left {
  flex: 1;
  min-width: 0;
  display: flex;
  flex-direction: column;
  gap: 24px;
  padding: 4px 0;
  text-align: center;
}

.reviews-featured-card__title {
  font-family: 'Inter', sans-serif;
  font-size: 34px;
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -0.5px;
  color: #191919;
  margin: 0;
}

/* ============================================================
   ENTRY WIDGET SECTION - Auto Loan Refinance
   ============================================================ */
/* -- Entry widget form bar — Figma node 4426:9158/9159 -- */
.alr-entry-widget {
  background: #d5e0e6;
}
.alr-entry-widget .container,
.alr-entry-widget__inner { max-width: 100%; margin: 0; padding: 0; }

/* 2-col grid: left 647px, right 683px, gap 72px — from Figma node 4426:9159 */
.phone-entry-widget {
  display: grid;
  grid-template-columns: 647fr 683fr;
  align-items: center;
  gap: 72px;
  max-width: 1402px;
  margin: 0 auto;
  padding: 32px 24px;
  min-height: 160px;
  background: transparent;
}

/* node 4426:9161 */
.phone-entry-widget__copy {
  display: flex;
  flex-direction: column;
  gap: 8px;
  color: #21292d;
}

/* node 4426:9162 — font-size-l=40px, lineHeight-l=48px, letterspacing/6xs=-1.6px */
.phone-entry-widget__title {
  font-family: 'proxima-nova', sans-serif;
  font-size: 40px;
  font-weight: 500;
  line-height: 48px;
  letter-spacing: -1.6px;
  color: #21292d;
  margin: 0;
  white-space: nowrap;
}

/* node 4426:9163 — font-size-2xs=20px, lineHeight-xs=24px, letterspacing/3xs=-0.39px */
.phone-entry-widget__subline {
  font-family: 'proxima-nova', sans-serif;
  font-size: 20px;
  font-weight: 400;
  line-height: 24px;
  letter-spacing: -0.39px;
  color: #21292d;
  margin: 0;
}

/* right column: CSS grid keeps button beside input on desktop, below checkbox on mobile */
.phone-entry-widget__right {
  display: grid;
  grid-template-columns: 1fr 238px;
  grid-template-rows: auto auto;
  grid-template-areas:
    "form btn"
    "agree agree";
  column-gap: 32px;
  row-gap: 8px;
}
.phone-entry-widget__form   { grid-area: form; }
.phone-entry-widget__submit { grid-area: btn; align-self: start; }
.phone-entry-widget__agreement { grid-area: agree; }

/* node 4426:9165 — input + button, gap 32px */
.phone-entry-widget__form {
  display: flex;
  align-items: flex-start;
  gap: 32px;
  width: 100%;
}

.phone-entry-widget__field-wrap {
  flex: 1 1 auto;
  min-width: 0;
}

/* node 4426:9166 input — height 56px, border #bacad3, border-radius 4px */
.phone-entry-widget .form-control {
  font-family: 'proxima-nova', sans-serif;
  width: 100%;
  height: 56px;
  padding: 18px 16px;
  background: #fff;
  border: 1px solid #bacad3;
  border-radius: 4px;
  font-size: 16px;
  font-weight: 400;
  letter-spacing: -0.31px;
  color: #21292d;
  line-height: 19.2px;
}
.phone-entry-widget .form-control::placeholder { color: rgba(33,41,45,0.55) !important; }
.phone-entry-widget .form-control:focus { outline: none; border-color: #4f9ef2; }
/* beat Bootstrap's -webkit-text-fill-color autofill override */
#get-pre-qualified .form-control::-webkit-input-placeholder { color: rgba(33,41,45,0.55) !important; }
#get-pre-qualified .form-control::-moz-placeholder          { color: rgba(33,41,45,0.55) !important; }

/* node 4426:9167 button — 238×56px, background #21292d, border-radius 9999px */
.phone-entry-widget .btn-submit {
  font-family: 'proxima-nova', sans-serif;
  flex: 0 0 238px;
  width: 238px;
  height: 56px;
  border: 1px solid #21292d;
  border-radius: 9999px;
  background: #21292d;
  color: #fff;
  font-size: 16px;
  font-weight: 700;
  line-height: 19.2px;
  letter-spacing: -0.31px;
  cursor: pointer;
  white-space: nowrap;
}
.phone-entry-widget .btn-submit:hover { opacity: 0.85; }

/* node 4426:9169 checkbox row — gap 12px, font-size 13px (14px Proxima Nova ≈ 13px Source Sans 3) */
.phone-entry-widget__agreement {
  font-family: 'proxima-nova', sans-serif;
  display: flex;
  align-items: flex-start;
  gap: 12px;
  width: 100%;
  font-size: 13px;
  font-weight: 400;
  line-height: 16.8px;
  letter-spacing: -0.29px;
  color: #21292d;
}
.phone-entry-widget__agreement .disclaimer-container { color: #21292d; }
.phone-entry-widget__agreement .checkbox { margin-top: 0; }
/* chained selector: label carries both classes — Figma node I4426:9169, 24×24 square */
#get-pre-qualified .phone-entry-widget__agreement.checkbox-container.style-c .checkbox {
  width: 24px !important;
  height: 24px !important;
  border-radius: 4px !important;
  border: 1px solid #bacad3 !important;
  background-color: #fff !important;
  margin-top: 0 !important;
  margin-right: 0 !important;
}
/* Figma: text wrapper has pt-[2px] for optical baseline alignment */
#get-pre-qualified .phone-entry-widget__agreement .disclaimer-container { padding-top: 5px; }

/* Checkbox styles (style-c variant) */
.checkbox-container {
  display: flex;
  cursor: pointer;
  align-items: flex-start;
}
.checkbox-container label {
  cursor: pointer;
}
.checkbox-container .disclaimer-container {
  flex: 1;
  user-select: none;
  font-weight: normal;
}
.checkbox-container.style-c {
  align-items: start;
}
.checkbox-container.style-c .checkbox {
  width: 28px;
  height: 28px;
  padding: 0px;
  margin-top: 5px;
  border-radius: 50%;
  margin-right: 10px;
  position: relative;
  border: 1px solid #fff;
  background-color: #fff;
  flex-shrink: 0;
}
#get-pre-qualified .checkbox-container.style-c .checkbox {
  margin-top: 0;
}
.checkbox-container.style-c .checkbox:disabled {
  opacity: .75;
  background: #ccc;
  cursor: not-allowed;
}
.checkbox-container.style-c .checkbox.checked {
  color: #fff;
  border-radius: 2px;
  border-color: #2653ca;
  background-color: #2653ca;
}
.checkbox-container.style-c .checkbox .checkmark {
  left: 1px;
  opacity: 0;
  bottom: 12px;
  position: absolute;
  transform: scale(0);
  transition: opacity .25s, transform .15s;
}
.checkbox-container.style-c .checkbox [type=checkbox] {
  display: none;
}
.checkbox-container.style-c .checkbox [type=checkbox]:checked+.checkmark {
  position: absolute;
  top: 50%;
  left: 50%;
  bottom: auto;
  right: auto;
  transform: translate(-50%, -50%) scale(1);
  opacity: 1;
  width: 14px;
  height: 14px;
  font-size: 0;
  color: rgba(0, 0, 0, 0);
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 14 11' fill='none'%3E%3Cpath d='M1.5 5.5L5.5 9.5L12.5 1.5' stroke='%23FFA600' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/contain no-repeat;
}
.checkbox-container.style-c .checkbox [type=checkbox]:checked+.checkmark:before,
.checkbox-container.style-c .checkbox [type=checkbox]:checked+.checkmark:after {
  bottom: 0;
  height: 1px;
  width: 20px;
  content: "";
  border: 0px;
  display: block;
  transform: none;
  border-radius: 10px;
  position: absolute;
  background-color: rgba(0,0,0,0);
}
.checkbox-container.style-c .checkbox [type=checkbox]:checked+.checkmark:after {
  display: none;
}
.checkbox-container.style-c .is-invalid {
  border-color: red !important;
}

/* Mobile responsive */
@media (max-width: 1200px) {
  .alr-entry-widget {
    padding-left: 0;
    padding-right: 0;
  }
  .alr-entry-widget .container {
    padding: 0;
  }
  .phone-entry-widget {
    margin-top: 0;
    padding-left: 20px;
    padding-right: 20px;
  }
  .alr-calculator {
    padding: 0;
  }
  .alr-calculator .container {
    padding: 0;
  }
  .calculator__panel {
    border-radius: 0;
  }
}

@media (max-width: 1024px) {
  .phone-entry-widget {
    gap: 40px;
    padding-left: 48px;
    padding-right: 48px;
  }
}

/* node 4426:9258/9269 — mobile form bar: single col, button full-width below checkbox */
@media (max-width: 768px) {
  .phone-entry-widget {
    grid-template-columns: 1fr;
    gap: 16px;
    padding: 24px 16px;
    min-height: unset;
  }
  .phone-entry-widget__title  { font-size: 24px; line-height: 28.8px; letter-spacing: -0.48px; white-space: normal; }
  .phone-entry-widget__subline { font-size: 14px; line-height: 16.8px; letter-spacing: -0.29px; }
  .phone-entry-widget__right {
    grid-template-columns: 1fr;
    grid-template-areas:
      "form"
      "agree"
      "btn";
    row-gap: 16px;
  }
  /* override desktop 238px — needs same 2-class specificity */
  .phone-entry-widget .phone-entry-widget__submit {
    width: 100%;
    flex: none;
  }
}