:root {
  --main-font: Gilroy, "Gilroy", ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --page: #f6f7f8;
  --surface: #ffffff;
  --surface-soft: #ebf9f0;
  --ink: #161616;
  --muted: #717784;
  --line: #e5e9ed;
  --blue: #6794e8;
  --blue-dark: #325fb8;
  --teal: #2ec88d;
  --green: #39b849;
  --green-soft: #daffad;
  --amber: #f7d46f;
  --shadow: 0 20px 60px rgba(53, 53, 55, 0.1);
  --soft-shadow: 0 0 12px rgba(53, 53, 55, 0.08);
  --radius: 16px;
  --container: 1280px;
}

@font-face {
  font-family: "Gilroy";
  font-style: normal;
  font-weight: 400;
  src:
    local("Gilroy Regular"),
    local("Gilroy-Regular"),
    url("../assets/fonts/Gilroy-Regular.woff2") format("woff2");
  font-display: swap;
}

@font-face {
  font-family: "Gilroy";
  font-style: normal;
  font-weight: 700;
  src:
    local("Gilroy Bold"),
    local("Gilroy-Bold"),
    url("../assets/fonts/Gilroy-Bold.woff2") format("woff2");
  font-display: swap;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  min-width: 320px;
  margin: 0;
  background: #ffffff;
  color: var(--ink);
  font-family: var(--main-font);
  letter-spacing: 0;
}

body::before {
  position: fixed;
  inset: 0;
  z-index: -1;
  pointer-events: none;
  content: "";
  background:
    radial-gradient(circle at 12% 9%, rgba(218, 255, 173, 0.55), transparent 26%),
    radial-gradient(circle at 85% 16%, rgba(193, 220, 243, 0.52), transparent 24%);
  mask-image: linear-gradient(180deg, #000 0%, transparent 76%);
}

img {
  display: block;
  max-width: 100%;
}

a {
  color: inherit;
}

button,
input {
  font: inherit;
}

h1,
h2,
h3,
p {
  overflow-wrap: anywhere;
}

h1,
h2,
h3 {
  margin: 0;
  letter-spacing: 0;
}

h1 {
  max-width: 10.6em;
  font-size: clamp(2.35rem, 8vw, 4.45rem);
  font-weight: 700;
  line-height: 1.02;
}

h2 {
  font-size: clamp(1.65rem, 4.4vw, 2.8rem);
  font-weight: 700;
  line-height: 1.08;
}

h3 {
  font-size: 1.05rem;
  line-height: 1.2;
}

p {
  margin: 0;
  color: var(--muted);
  line-height: 1.7;
}

.container {
  width: min(100% - 32px, var(--container));
  margin: 0 auto;
}

.section-pad {
  padding: 52px 0;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  border-bottom: 1px solid rgba(229, 233, 237, 0.9);
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: blur(18px);
}

.header-inner {
  display: grid;
  grid-template-columns: minmax(118px, auto) minmax(0, 1fr) auto;
  align-items: center;
  gap: 8px;
  padding: 12px 0;
}

.brand {
  display: inline-flex;
  width: fit-content;
  min-width: 0;
  align-items: center;
  gap: 8px;
  color: var(--ink);
  font-weight: 900;
  text-decoration: none;
}

.brand > span:last-child {
  font-size: clamp(1rem, 5vw, 1.85rem);
  line-height: 1;
  white-space: nowrap;
}

.brand-mark {
  display: grid;
  width: clamp(42px, 10vw, 62px);
  height: clamp(42px, 10vw, 62px);
  place-items: center;
  border-radius: 50%;
  overflow: hidden;
  background: #ffffff;
  color: var(--green);
  box-shadow: 0 10px 22px rgba(57, 184, 73, 0.24);
}

.brand-mark img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  transform: scale(1.22);
}

.menu-toggle {
  display: inline-grid;
  width: clamp(42px, 10vw, 54px);
  height: clamp(42px, 10vw, 54px);
  place-items: center;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: #ffffff;
  cursor: pointer;
  gap: 4px;
  padding: 12px;
}

.menu-toggle span {
  display: block;
  width: 20px;
  height: 2px;
  border-radius: 999px;
  background: var(--ink);
}

.main-nav {
  display: none;
  grid-column: 1 / -1;
  flex-direction: column;
  gap: 8px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #ffffff;
  box-shadow: var(--soft-shadow);
  padding: 8px;
  scrollbar-width: none;
}

.site-header.is-menu-open .main-nav {
  display: flex;
}

.main-nav::-webkit-scrollbar {
  display: none;
}

.main-nav a {
  flex: 0 0 auto;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: #ffffff;
  color: #38505f;
  font-size: 0.86rem;
  font-weight: 800;
  text-decoration: none;
  padding: 9px 12px;
}

.header-actions {
  display: flex;
  grid-column: auto;
  align-items: center;
  justify-content: end;
  gap: 6px;
  min-width: 0;
}

.language-switcher {
  display: inline-flex;
  flex: 0 0 auto;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: #ffffff;
  padding: 3px;
}

.language-switcher button {
  min-height: 32px;
  border: 0;
  border-radius: 999px;
  background: transparent;
  color: var(--muted);
  cursor: pointer;
  font-size: clamp(0.68rem, 2.8vw, 0.82rem);
  font-weight: 900;
  padding: 7px 8px;
}

.language-switcher button.is-active {
  background: var(--ink);
  color: #ffffff;
}

.btn {
  display: inline-flex;
  min-height: 50px;
  align-items: center;
  justify-content: center;
  border: 0;
  border-radius: var(--radius);
  cursor: pointer;
  font-weight: 900;
  line-height: 1.1;
  text-align: center;
  text-decoration: none;
  transition:
    transform 180ms ease,
    box-shadow 180ms ease,
    background 180ms ease;
  padding: 14px 18px;
}

.btn:hover {
  transform: translateY(-1px);
}

.btn-small {
  min-height: 36px;
  font-size: clamp(0.68rem, 2.9vw, 0.86rem);
  padding: 9px 10px;
}

.btn-primary {
  background: linear-gradient(90deg, var(--green-soft) 0%, var(--green) 100%);
  color: #ffffff;
  box-shadow: 0 16px 28px rgba(57, 184, 73, 0.24);
}

.btn-secondary {
  border: 1px solid var(--line);
  background: #ffffff;
  color: var(--ink);
  box-shadow: var(--soft-shadow);
}

.btn-glow {
  background: #ffffff;
  color: var(--blue-dark);
  box-shadow:
    0 0 0 6px rgba(255, 255, 255, 0.2),
    0 18px 38px rgba(8, 168, 138, 0.3);
}

.bento-card {
  border: 1px solid rgba(229, 233, 237, 0.95);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.96);
  box-shadow: var(--soft-shadow);
}

.hero {
  padding-top: 28px;
  background: linear-gradient(180deg, #ffffff 0%, #f6f7f8 100%);
}

.hero-grid {
  display: grid;
  gap: 22px;
  align-items: center;
}

.hero-copy {
  display: grid;
  gap: 18px;
}

.eyebrow {
  margin: 0;
  color: var(--green);
  font-size: 0.78rem;
  font-weight: 950;
  letter-spacing: 0;
  text-transform: uppercase;
}

.hero-subtitle {
  max-width: 660px;
  color: var(--muted);
  font-size: clamp(1rem, 2.6vw, 1.18rem);
}

.intro-label {
  width: fit-content;
  border-radius: 999px;
  background: #ebf9f0;
  color: #259234;
  font-weight: 700;
  padding: 10px 14px;
}

.hero-actions {
  display: grid;
  grid-template-columns: 1fr;
  gap: 12px;
}

.trust-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.trust-badges span {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  border: 1px solid #cfe7e3;
  border-radius: 999px;
  background: #f2fbf8;
  color: #1d695c;
  font-size: 0.88rem;
  font-weight: 900;
  padding: 9px 12px;
}

.trust-badges svg {
  width: 18px;
  height: 18px;
  flex: 0 0 auto;
  fill: none;
  stroke: currentColor;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-width: 2.2;
}

.hero-panel {
  position: relative;
  min-height: 340px;
  overflow: hidden;
  background:
    linear-gradient(135deg, rgba(218, 255, 173, 0.52), rgba(193, 220, 243, 0.34)),
    #ffffff;
}

.hero-panel img {
  width: 100%;
  height: 100%;
  min-height: 340px;
  object-fit: cover;
  object-position: center;
}

.hero-rate-card {
  position: absolute;
  right: 16px;
  bottom: 16px;
  width: min(240px, calc(100% - 32px));
  border: 1px solid rgba(255, 255, 255, 0.74);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.9);
  box-shadow: var(--shadow);
  backdrop-filter: blur(14px);
  padding: 16px;
}

.hero-rate-card span,
.offer-stats span,
.calc-results span,
.fact-card span {
  display: block;
  color: var(--muted);
  font-size: 0.78rem;
  font-weight: 850;
}

.hero-rate-card strong,
.calc-results strong,
.fact-card strong {
  display: block;
  margin-top: 5px;
  font-size: 1.35rem;
}

.banner-wrap {
  padding: 34px 0 18px;
}

.home-services {
  padding: 0 0 28px;
  background: var(--page);
}

.service-grid {
  display: grid;
  gap: 16px;
}

.service-card {
  display: grid;
  gap: 12px;
  min-height: 220px;
  padding: 24px;
  transition:
    transform 180ms ease,
    box-shadow 180ms ease;
}

.service-card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow);
}

.service-card span {
  display: grid;
  width: 58px;
  height: 58px;
  place-items: center;
  border-radius: 50%;
  background: #ebf9f0;
  color: var(--green);
  font-weight: 700;
}

.service-card svg,
.text-card-icon svg {
  width: 28px;
  height: 28px;
  fill: none;
  stroke: currentColor;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-width: 2;
}

.service-card h2 {
  font-size: clamp(1.3rem, 3vw, 1.85rem);
}

.service-1 {
  background: #ebf9f0;
}

.service-2 {
  background: #f7f5ef;
}

.service-3 {
  background: #eef5ff;
}

.ad-banner {
  display: block;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  aspect-ratio: 3 / 2;
  background: #ffffff;
  box-shadow: var(--soft-shadow);
}

.ad-banner picture {
  display: block;
  width: 100%;
  height: 100%;
}

.ad-banner img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  object-position: center;
}

.two-column {
  display: grid;
  gap: 24px;
}

.section-heading {
  display: grid;
  align-content: start;
  gap: 12px;
}

.section-heading.wide {
  max-width: 760px;
  margin-bottom: 24px;
}

.calculator {
  display: grid;
  gap: 18px;
  padding: 22px;
}

.hero-calculator h2 {
  font-size: clamp(1.35rem, 3vw, 2rem);
  line-height: 1.12;
}

.range-row {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 16px;
}

.range-row label {
  color: var(--muted);
  font-weight: 900;
}

.range-row strong {
  color: var(--blue-dark);
  font-size: 1.35rem;
}

input[type="range"] {
  --range-progress: 0%;
  width: 100%;
  height: 28px;
  background: transparent;
  appearance: none;
}

input[type="range"]::-webkit-slider-runnable-track {
  height: 8px;
  border-radius: 999px;
  background:
    linear-gradient(90deg, var(--green-soft) 0%, var(--green) var(--range-progress), #e2e6eb var(--range-progress), #e2e6eb 100%);
}

input[type="range"]::-webkit-slider-thumb {
  width: 22px;
  height: 22px;
  margin-top: -7px;
  border: 4px solid #ffffff;
  border-radius: 50%;
  background: var(--green);
  box-shadow: 0 6px 16px rgba(57, 184, 73, 0.35);
  appearance: none;
}

input[type="range"]::-moz-range-track {
  height: 8px;
  border-radius: 999px;
  background: #e2e6eb;
}

input[type="range"]::-moz-range-progress {
  height: 8px;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--green-soft) 0%, var(--green) 100%);
}

input[type="range"]::-moz-range-thumb {
  width: 14px;
  height: 14px;
  border: 4px solid #ffffff;
  border-radius: 50%;
  background: var(--green);
  box-shadow: 0 6px 16px rgba(57, 184, 73, 0.35);
}

.period-selector {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 8px;
}

.period-selector button {
  min-height: 44px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #ffffff;
  color: var(--muted);
  cursor: pointer;
  font-weight: 900;
}

.period-selector button.is-active {
  border-color: transparent;
  background: var(--green);
  color: #ffffff;
}

.calc-results {
  display: grid;
  gap: 10px;
}

.calc-results div {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #f8fcfd;
  padding: 14px;
}

.fine-print {
  color: #6d7d88;
  font-size: 0.86rem;
  line-height: 1.55;
}

.offers-band,
.faq-band {
  background: rgba(239, 248, 247, 0.62);
}

.offer-grid {
  display: grid;
  gap: 16px;
}

.offer-card {
  position: relative;
  display: grid;
  grid-template-rows: auto 1fr auto;
  min-height: 100%;
  gap: 18px;
  color: var(--ink);
  padding: 18px;
  transition:
    transform 180ms ease,
    box-shadow 180ms ease,
    border-color 180ms ease;
}

.offer-card:hover {
  border-color: rgba(8, 168, 138, 0.5);
  box-shadow: var(--shadow);
  transform: translateY(-2px);
}

.offer-card.is-featured {
  border-color: rgba(57, 184, 73, 0.56);
  box-shadow:
    0 0 0 2px rgba(57, 184, 73, 0.1),
    var(--soft-shadow);
}

.offer-badge {
  position: absolute;
  top: 0;
  right: 18px;
  display: inline-flex;
  max-width: min(78%, 250px);
  align-items: center;
  gap: 6px;
  width: fit-content;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--green-soft) 0%, var(--green) 100%);
  color: #ffffff;
  font-size: clamp(0.68rem, 1.5vw, 0.78rem);
  font-weight: 950;
  line-height: 1.2;
  white-space: normal;
  transform: translateY(-50%);
  padding: 7px 10px;
  z-index: 2;
}

.offer-badge svg {
  width: 15px;
  height: 15px;
  flex: 0 0 auto;
  fill: none;
  stroke: currentColor;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-width: 2.2;
}

.offer-top {
  display: flex;
  min-height: 82px;
  align-items: center;
  gap: 13px;
}

.offer-top img {
  width: 54px;
  height: 54px;
  flex: 0 0 auto;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  object-fit: cover;
}

.offer-top p {
  margin-top: 4px;
  color: #667781;
  font-size: 0.84rem;
  line-height: 1.35;
}

.offer-rating {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  margin-top: 5px;
  color: #f2b84b;
  font-size: 0.95rem;
  font-weight: 950;
}

.offer-rating strong {
  color: var(--ink);
}

.offer-stats {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
}

.offer-stats div {
  display: grid;
  align-content: start;
  min-height: 92px;
  border-radius: var(--radius);
  background: #f7fbfc;
  padding: 12px;
}

.offer-stats strong {
  display: block;
  margin-top: 4px;
  font-size: 0.98rem;
}

.pulse-button {
  display: inline-flex;
  min-height: 46px;
  align-items: center;
  justify-content: center;
  align-self: end;
  border-radius: var(--radius);
  background: linear-gradient(135deg, var(--green), var(--teal));
  color: #ffffff;
  font-weight: 950;
  text-decoration: none;
  box-shadow: 0 0 0 rgba(8, 168, 138, 0.4);
  animation: pulse 1.9s ease-in-out infinite;
}

@keyframes pulse {
  0% {
    box-shadow: 0 0 0 0 rgba(8, 168, 138, 0.36);
  }
  70% {
    box-shadow: 0 0 0 10px rgba(8, 168, 138, 0);
  }
  100% {
    box-shadow: 0 0 0 0 rgba(8, 168, 138, 0);
  }
}

.eligibility-card {
  display: grid;
  gap: 20px;
  align-items: center;
  overflow: hidden;
  border-radius: var(--radius);
  background:
    linear-gradient(135deg, rgba(23, 105, 224, 0.96), rgba(8, 168, 138, 0.94)),
    var(--blue);
  color: #ffffff;
  box-shadow: var(--shadow);
  padding: 26px;
}

.eligibility-card p,
.eligibility-card span {
  color: rgba(255, 255, 255, 0.86);
}

.eligibility-card h2 {
  margin-bottom: 10px;
}

.eligibility-card span {
  display: block;
  margin-top: 8px;
  font-size: 0.9rem;
  line-height: 1.55;
}

.seo-grid {
  display: grid;
  gap: 24px;
}

.seo-blocks,
.info-grid,
.lender-content {
  display: grid;
  gap: 16px;
}

.text-card,
.list-card,
.disclaimer-card,
.lender-faq-card {
  padding: 20px;
}

.text-card {
  display: grid;
  gap: 12px;
}

.text-card-icon {
  display: grid;
  width: 52px;
  height: 52px;
  place-items: center;
  border-radius: 50%;
  background: #ebf9f0;
  color: var(--green);
}

.text-card h2,
.text-card h3,
.list-card h2,
.disclaimer-card h2,
.lender-faq-card h2 {
  margin-bottom: 0;
}

.article-grid {
  display: grid;
  gap: 16px;
}

.article-card {
  display: grid;
  gap: 14px;
  overflow: hidden;
  padding: 0 0 20px;
}

.article-card > :not(.article-card-media) {
  margin-right: 20px;
  margin-left: 20px;
}

.article-card-media {
  display: block;
  aspect-ratio: 16 / 9;
  overflow: hidden;
  border-bottom: 1px solid var(--line);
  background: #f6f7f8;
}

.article-card-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  transition: transform 220ms ease;
}

.article-card:hover .article-card-media img {
  transform: scale(1.035);
}

.article-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.article-meta span {
  border-radius: 999px;
  background: #edf7ff;
  color: var(--blue-dark);
  font-size: 0.78rem;
  font-weight: 900;
  padding: 7px 10px;
}

.text-link {
  color: var(--blue-dark);
  font-weight: 950;
  text-decoration: none;
}

.faq-list {
  display: grid;
  gap: 10px;
}

.faq-item {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #ffffff;
  box-shadow: var(--soft-shadow);
}

.faq-item summary {
  cursor: pointer;
  color: var(--ink);
  font-weight: 950;
  list-style: none;
  padding: 18px;
}

.faq-item summary::-webkit-details-marker {
  display: none;
}

.faq-item summary::after {
  float: right;
  color: var(--teal);
  content: "+";
}

.faq-item[open] summary::after {
  content: "-";
}

.faq-item p {
  border-top: 1px solid var(--line);
  padding: 0 18px 18px;
}

.page-hero {
  background: linear-gradient(180deg, #ffffff, rgba(239, 248, 247, 0.8));
}

.page-hero .section-heading,
.article-header {
  max-width: 800px;
}

.lender-grid {
  display: grid;
  gap: 16px;
}

.lender-summary {
  display: grid;
  gap: 18px;
  padding: 22px;
}

.lender-summary img {
  width: 76px;
  height: 76px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  object-fit: cover;
}

.lender-summary p:not(.eyebrow) {
  margin-top: 12px;
}

.lender-facts {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
}

.fact-card {
  padding: 16px;
}

.list-card ul,
.list-card ol {
  display: grid;
  gap: 10px;
  margin: 0;
  padding-left: 20px;
  color: var(--muted);
  line-height: 1.6;
}

.article-layout {
  display: grid;
  gap: 22px;
}

.article-header {
  display: grid;
  gap: 14px;
}

.article-hero-image,
.article-inline-image {
  overflow: hidden;
  margin: 0;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #f6f7f8;
  box-shadow: var(--soft-shadow);
}

.article-hero-image {
  aspect-ratio: 1822 / 863;
}

.article-inline-image {
  aspect-ratio: 16 / 9;
  margin-bottom: 16px;
}

.article-hero-image img,
.article-inline-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
}

.article-body {
  display: grid;
  gap: 24px;
  padding: 22px;
}

.article-body h2 {
  margin-bottom: 8px;
  font-size: clamp(1.25rem, 3vw, 1.8rem);
}

.quiz-layout {
  display: grid;
  gap: 24px;
}

.quiz-card {
  display: grid;
  gap: 20px;
  padding: 20px;
}

.quiz-step {
  display: grid;
  gap: 10px;
  min-width: 0;
  margin: 0 0 18px;
  border: 0;
  padding: 0;
}

.quiz-step legend {
  margin-bottom: 10px;
  color: var(--ink);
  font-weight: 950;
}

.quiz-options {
  display: grid;
  gap: 8px;
}

.quiz-options label {
  cursor: pointer;
}

.quiz-options input {
  position: absolute;
  opacity: 0;
}

.quiz-options span {
  display: block;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #ffffff;
  color: var(--muted);
  font-weight: 850;
  padding: 13px 14px;
}

.quiz-options input:checked + span {
  border-color: transparent;
  background: #e7f7f3;
  color: #116a5d;
  box-shadow: inset 0 0 0 2px rgba(8, 168, 138, 0.2);
}

.quiz-result {
  display: grid;
  gap: 12px;
  border-radius: var(--radius);
  background: #f2fbf8;
  padding: 18px;
}

.site-footer {
  border-top: 1px solid var(--line);
  background: #0f1f2a;
  color: #ffffff;
  padding: 38px 0;
}

.footer-grid {
  display: grid;
  gap: 26px;
}

.footer-grid p {
  color: rgba(255, 255, 255, 0.72);
}

.footer-grid h2 {
  margin-bottom: 10px;
  color: #ffffff;
  font-size: 0.95rem;
}

.footer-grid a {
  display: block;
  width: fit-content;
  color: rgba(255, 255, 255, 0.78);
  font-weight: 750;
  text-decoration: none;
  padding: 4px 0;
}

.footer-brand {
  margin-bottom: 14px;
  color: #ffffff;
}

.footer-disclaimer {
  margin-top: 14px;
  font-size: 0.88rem;
}

@media (min-width: 560px) {
  .hero-actions {
    grid-template-columns: repeat(2, max-content);
  }

  .calc-results,
  .article-grid,
  .info-grid,
  .service-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .offer-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .period-selector {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }

  .ad-banner {
    aspect-ratio: 1.72 / 1;
  }

  .ad-banner img {
    object-fit: cover;
  }
}

@media (min-width: 860px) {
  .section-pad {
    padding: 76px 0;
  }

  .header-inner {
    grid-template-columns: auto 1fr auto;
    align-items: center;
    gap: 18px;
  }

  .menu-toggle {
    display: none;
  }

  .main-nav {
    display: flex;
    grid-column: auto;
    flex-direction: row;
    border: 0;
    box-shadow: none;
    padding: 0;
    justify-content: center;
    overflow: visible;
  }

  .main-nav a {
    border-color: transparent;
    background: transparent;
  }

  .header-actions {
    grid-column: auto;
    justify-content: end;
    gap: 10px;
  }

  .btn-small {
    min-height: 40px;
    padding: 10px 12px;
  }

  .language-switcher button {
    min-height: 34px;
    padding: 7px 10px;
  }

  .ad-banner {
    aspect-ratio: 1822 / 863;
  }

  .hero {
    padding-top: 54px;
  }

  .two-column,
  .seo-grid,
  .quiz-layout {
    grid-template-columns: minmax(0, 1fr) minmax(390px, 0.82fr);
  }

  .hero-grid {
    grid-template-columns: minmax(280px, 0.88fr) minmax(260px, 0.7fr) minmax(340px, 0.74fr);
  }

  .hero-panel {
    min-height: 460px;
    align-self: stretch;
  }

  .hero-panel img {
    min-height: 460px;
  }

  .hero-calculator {
    align-self: center;
  }

  .service-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .eligibility-card {
    grid-template-columns: 1fr auto;
    padding: 34px;
  }

  .offer-grid,
  .article-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .lender-grid {
    grid-template-columns: minmax(0, 1fr) 390px;
  }

  .lender-content {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .lender-faq-card,
  .disclaimer-card {
    grid-column: span 2;
  }

  .footer-grid {
    grid-template-columns: 1.6fr 0.8fr 1fr 0.9fr;
  }
}

@media (min-width: 1120px) {
  .offer-grid {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
}

@media (max-width: 420px) {
  .container {
    width: min(100% - 24px, var(--container));
  }

  .header-actions {
    align-items: center;
  }

  .language-switcher {
    max-width: 100%;
  }

  .language-switcher button {
    padding-inline: 6px;
  }

  .btn-small {
    max-width: 132px;
    padding-inline: 8px;
  }

  .offer-stats,
  .lender-facts {
    grid-template-columns: 1fr;
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    transition-duration: 0.01ms !important;
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
  }
}