/* ================================================
   TOP10CARLOANS.COM — GLOBAL DESIGN SYSTEM v2
   ================================================ */

@import url('https://fonts.googleapis.com/css2?family=Sora:wght@300;400;500;600;700;800&family=Fraunces:ital,opsz,wght@0,9..144,300;0,9..144,400;0,9..144,600;0,9..144,700;0,9..144,800;1,9..144,300;1,9..144,400;1,9..144,600&display=swap');

/* ── TOKENS ── */
:root {
  /* Core palette */
  --navy:         #08111f;
  --navy-800:     #0d1c30;
  --navy-700:     #122540;
  --navy-600:     #1a3352;
  --navy-500:     #254468;
  --teal:         #00d4b8;
  --teal-dark:    #00b09a;
  --teal-900:     #003d36;
  --gold:         #f5a623;
  --gold-light:   #ffc84a;
  --gold-dark:    #c4831a;
  --cream:        #f8f6f1;
  --cream-dark:   #eeebe3;
  --white:        #ffffff;

  /* Grays */
  --gray-50:  #f9fafb;
  --gray-100: #f3f4f6;
  --gray-200: #e5e7eb;
  --gray-300: #d1d5db;
  --gray-400: #9ca3af;
  --gray-500: #6b7280;
  --gray-600: #4b5563;
  --gray-700: #374151;
  --gray-800: #1f2937;
  --gray-900: #111827;

  /* Semantic */
  --text-primary:   #0a1628;
  --text-secondary: #374151;
  --text-muted:     #6b7280;
  --text-light:     #9ca3af;

  /* Status */
  --green:    #10b981;
  --green-bg: rgba(16,185,129,.1);
  --red:      #ef4444;
  --red-bg:   rgba(239,68,68,.1);
  --amber:    #f59e0b;
  --amber-bg: rgba(245,158,11,.1);
  --blue:     #3b82f6;
  --blue-bg:  rgba(59,130,246,.1);

  /* Radius */
  --r-xs:  4px;
  --r-sm:  8px;
  --r-md:  14px;
  --r-lg:  22px;
  --r-xl:  32px;
  --r-full: 9999px;

  /* Shadows */
  --shadow-xs:  0 1px 3px rgba(8,17,31,.06);
  --shadow-sm:  0 2px 8px rgba(8,17,31,.08);
  --shadow-md:  0 8px 24px rgba(8,17,31,.12);
  --shadow-lg:  0 20px 60px rgba(8,17,31,.18);
  --shadow-xl:  0 40px 100px rgba(8,17,31,.25);

  /* Transitions */
  --t-fast:   150ms ease;
  --t-base:   250ms ease;
  --t-slow:   400ms ease;

  /* Layout */
  --max-w:     1240px;
  --nav-h:     70px;
}

/* ── RESET ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: 'Sora', sans-serif;
  font-size: 16px;
  line-height: 1.65;
  color: var(--text-primary);
  background: var(--cream);
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; }
button { font-family: inherit; cursor: pointer; }
input, select, textarea { font-family: inherit; }
ul, ol { list-style: none; }

/* ── TYPOGRAPHY ── */
.display-xl {
  font-family: 'Fraunces', serif;
  font-size: clamp(42px, 6vw, 72px);
  font-weight: 800;
  line-height: 1.06;
  letter-spacing: -0.02em;
}
.display-lg {
  font-family: 'Fraunces', serif;
  font-size: clamp(34px, 4.5vw, 54px);
  font-weight: 700;
  line-height: 1.1;
}
.display-md {
  font-family: 'Fraunces', serif;
  font-size: clamp(26px, 3.5vw, 42px);
  font-weight: 700;
  line-height: 1.15;
}
.display-sm {
  font-family: 'Fraunces', serif;
  font-size: clamp(22px, 2.5vw, 32px);
  font-weight: 600;
  line-height: 1.2;
}
.h1 { font-size: 28px; font-weight: 700; line-height: 1.25; }
.h2 { font-size: 22px; font-weight: 700; line-height: 1.3; }
.h3 { font-size: 18px; font-weight: 600; line-height: 1.35; }
.h4 { font-size: 15px; font-weight: 600; line-height: 1.4; }
.body-lg { font-size: 18px; line-height: 1.7; }
.body-md { font-size: 16px; line-height: 1.65; }
.body-sm { font-size: 14px; line-height: 1.6; }
.caption { font-size: 12px; line-height: 1.5; }
.eyebrow {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

/* ── LAYOUT ── */
.container { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }
.section { padding: 80px 0; }
.section-sm { padding: 52px 0; }
.section-lg { padding: 112px 0; }

/* ── NAV ── */
.site-nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  height: var(--nav-h);
  background: rgba(8,17,31,.96);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(255,255,255,.07);
  transition: background var(--t-base);
}
.nav-container {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 24px;
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  flex-shrink: 0;
}
.nav-logo-mark {
  width: 38px;
  height: 38px;
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-dark) 100%);
  border-radius: 11px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.nav-logo-mark svg { width: 20px; height: 20px; }
.nav-logo-text {
  font-family: 'Fraunces', serif;
  font-size: 18px;
  font-weight: 700;
  color: white;
}
.nav-logo-text strong { color: var(--teal); }
.nav-menu {
  display: flex;
  align-items: center;
  gap: 4px;
  flex: 1;
}
.nav-link {
  position: relative;
  padding: 8px 14px;
  font-size: 13.5px;
  font-weight: 500;
  color: rgba(255,255,255,.7);
  text-decoration: none;
  border-radius: var(--r-sm);
  transition: color var(--t-fast), background var(--t-fast);
  white-space: nowrap;
}
.nav-link:hover { color: white; background: rgba(255,255,255,.06); }
.nav-link.active { color: var(--teal); }
.nav-dropdown { position: relative; }
.nav-dropdown-btn {
  display: flex;
  align-items: center;
  gap: 5px;
  padding: 8px 14px;
  font-size: 13.5px;
  font-weight: 500;
  color: rgba(255,255,255,.7);
  background: none;
  border: none;
  border-radius: var(--r-sm);
  transition: color var(--t-fast), background var(--t-fast);
  cursor: pointer;
  white-space: nowrap;
}
.nav-dropdown-btn:hover { color: white; background: rgba(255,255,255,.06); }
.nav-dropdown-btn svg { width: 14px; height: 14px; transition: transform var(--t-fast); }
.nav-dropdown:hover .nav-dropdown-btn svg { transform: rotate(180deg); }
.nav-dropdown-menu {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  min-width: 220px;
  background: var(--navy-700);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--r-md);
  padding: 8px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-8px);
  transition: all var(--t-base);
  box-shadow: var(--shadow-lg);
}
.nav-dropdown:hover .nav-dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.nav-dropdown-item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 14px;
  font-size: 13px;
  color: rgba(255,255,255,.7);
  text-decoration: none;
  border-radius: var(--r-sm);
  transition: all var(--t-fast);
}
.nav-dropdown-item:hover { background: rgba(255,255,255,.07); color: white; }
.nav-dropdown-item-icon {
  width: 28px;
  height: 28px;
  background: rgba(0,212,184,.12);
  border-radius: var(--r-xs);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  flex-shrink: 0;
}
.nav-actions {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}
.nav-btn-ghost {
  padding: 8px 16px;
  font-size: 13px;
  font-weight: 600;
  color: rgba(255,255,255,.75);
  background: none;
  border: 1px solid rgba(255,255,255,.15);
  border-radius: var(--r-sm);
  text-decoration: none;
  transition: all var(--t-fast);
}
.nav-btn-ghost:hover { background: rgba(255,255,255,.07); color: white; }
.nav-btn-primary {
  padding: 9px 20px;
  font-size: 13px;
  font-weight: 700;
  color: var(--navy);
  background: var(--teal);
  border: none;
  border-radius: var(--r-sm);
  text-decoration: none;
  transition: all var(--t-fast);
}
.nav-btn-primary:hover { background: var(--teal-dark); color: white; }
.nav-mobile-toggle {
  display: none;
  background: none;
  border: none;
  color: white;
  padding: 8px;
}

/* ── BUTTONS ── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-weight: 700;
  text-decoration: none;
  border: none;
  cursor: pointer;
  transition: all var(--t-base);
  white-space: nowrap;
}
.btn-sm  { padding: 9px 18px; font-size: 13px; border-radius: var(--r-sm); }
.btn-md  { padding: 12px 24px; font-size: 14px; border-radius: var(--r-md); }
.btn-lg  { padding: 16px 32px; font-size: 16px; border-radius: var(--r-md); }
.btn-xl  { padding: 18px 40px; font-size: 17px; border-radius: var(--r-lg); }

.btn-teal    { background: var(--teal); color: var(--navy); }
.btn-teal:hover    { background: var(--teal-dark); color: white; box-shadow: 0 8px 24px rgba(0,212,184,.3); transform: translateY(-1px); }
.btn-navy    { background: var(--navy); color: white; }
.btn-navy:hover    { background: var(--navy-600); box-shadow: 0 8px 24px rgba(8,17,31,.3); transform: translateY(-1px); }
.btn-gold    { background: var(--gold); color: var(--navy); }
.btn-gold:hover    { background: var(--gold-dark); color: white; box-shadow: 0 8px 24px rgba(245,166,35,.3); transform: translateY(-1px); }
.btn-outline-white { background: transparent; color: white; border: 1.5px solid rgba(255,255,255,.3); }
.btn-outline-white:hover { background: rgba(255,255,255,.1); border-color: rgba(255,255,255,.5); }
.btn-outline-teal { background: transparent; color: var(--teal); border: 1.5px solid var(--teal); }
.btn-outline-teal:hover { background: var(--teal); color: var(--navy); }

/* ── BADGES / TAGS ── */
.badge {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 4px 12px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.05em;
  border-radius: var(--r-full);
}
.badge-teal   { background: rgba(0,212,184,.12); color: var(--teal-dark); border: 1px solid rgba(0,212,184,.2); }
.badge-gold   { background: var(--amber-bg); color: var(--gold-dark); border: 1px solid rgba(245,166,35,.2); }
.badge-green  { background: var(--green-bg); color: #059669; border: 1px solid rgba(16,185,129,.2); }
.badge-red    { background: var(--red-bg); color: #dc2626; border: 1px solid rgba(239,68,68,.2); }
.badge-blue   { background: var(--blue-bg); color: #2563eb; border: 1px solid rgba(59,130,246,.2); }
.badge-gray   { background: var(--gray-100); color: var(--gray-600); border: 1px solid var(--gray-200); }
.badge-navy   { background: rgba(8,17,31,.08); color: var(--navy-600); border: 1px solid rgba(8,17,31,.1); }

/* ── CARDS ── */
.card {
  background: white;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--r-lg);
  overflow: hidden;
  transition: all var(--t-base);
}
.card:hover {
  border-color: var(--teal);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}
.card-body { padding: 28px; }
.card-sm .card-body { padding: 20px; }

/* ── FORMS ── */
.form-group { margin-bottom: 20px; }
.form-label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--text-secondary);
  margin-bottom: 8px;
}
.form-input,
.form-select,
.form-textarea {
  width: 100%;
  padding: 13px 16px;
  font-size: 15px;
  font-family: 'Sora', sans-serif;
  color: var(--text-primary);
  background: white;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--r-md);
  outline: none;
  transition: border-color var(--t-fast), box-shadow var(--t-fast);
  -webkit-appearance: none;
}
.form-input:focus,
.form-select:focus,
.form-textarea:focus {
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(0,212,184,.12);
}
.form-input.dark,
.form-select.dark {
  background: rgba(255,255,255,.08);
  border-color: rgba(255,255,255,.12);
  color: white;
}
.form-input.dark:focus,
.form-select.dark:focus {
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(0,212,184,.15);
}
.form-select.dark option { background: var(--navy-700); }
.form-textarea { min-height: 120px; resize: vertical; }
.form-hint { font-size: 12px; color: var(--text-muted); margin-top: 5px; }

/* ── LOAN CARD (RANKING) ── */
.rank-card {
  position: relative;
  background: white;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--r-lg);
  padding: 0;
  overflow: hidden;
  transition: all var(--t-base);
}
.rank-card:hover {
  border-color: rgba(0,212,184,.5);
  box-shadow: 0 12px 40px rgba(8,17,31,.1);
  transform: translateY(-2px);
}
.rank-card.featured {
  border-color: var(--teal);
  box-shadow: 0 0 0 2px rgba(0,212,184,.15);
}
.rank-card-accent {
  height: 4px;
  background: linear-gradient(90deg, var(--teal) 0%, var(--teal-dark) 100%);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--t-slow);
}
.rank-card:hover .rank-card-accent,
.rank-card.featured .rank-card-accent { transform: scaleX(1); }
.rank-card-inner {
  display: grid;
  grid-template-columns: 60px 56px 1fr repeat(3, auto) 144px;
  align-items: center;
  gap: 20px;
  padding: 22px 28px;
}
.rank-num {
  font-family: 'Fraunces', serif;
  font-size: 28px;
  font-weight: 800;
  color: var(--gray-300);
  line-height: 1;
  text-align: center;
}
.rank-num.gold { color: var(--gold); }
.rank-num.silver { color: #94a3b8; }
.rank-num.bronze { color: #cd7c4a; }
.lender-logo-box {
  width: 56px;
  height: 36px;
  background: var(--gray-100);
  border-radius: var(--r-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 10px;
  font-weight: 800;
  color: var(--gray-500);
  letter-spacing: 0.03em;
  flex-shrink: 0;
}
.rank-info { min-width: 0; }
.rank-name {
  font-size: 16px;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 6px;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.rank-tags { display: flex; gap: 5px; flex-wrap: wrap; }
.rank-stat { text-align: center; }
.rank-stat-val {
  font-family: 'Fraunces', serif;
  font-size: 22px;
  font-weight: 700;
  color: var(--text-primary);
}
.rank-stat-label { font-size: 11px; color: var(--text-muted); margin-top: 2px; }
.rank-score-val {
  font-size: 18px;
  font-weight: 700;
  color: var(--teal-dark);
}
.rank-stars { color: var(--gold); font-size: 12px; margin-top: 1px; }
.rank-cta { display: flex; flex-direction: column; gap: 6px; }
.rank-btn-primary {
  display: block;
  padding: 11px 16px;
  background: var(--teal);
  color: var(--navy);
  font-weight: 700;
  font-size: 13px;
  text-align: center;
  text-decoration: none;
  border-radius: var(--r-sm);
  transition: all var(--t-fast);
}
.rank-btn-primary:hover { background: var(--teal-dark); color: white; }
.rank-btn-navy {
  display: block;
  padding: 11px 16px;
  background: var(--navy);
  color: white;
  font-weight: 700;
  font-size: 13px;
  text-align: center;
  text-decoration: none;
  border-radius: var(--r-sm);
  transition: all var(--t-fast);
}
.rank-btn-navy:hover { background: var(--navy-600); }
.rank-btn-ghost {
  display: block;
  text-align: center;
  font-size: 11px;
  color: var(--text-muted);
  text-decoration: none;
  transition: color var(--t-fast);
}
.rank-btn-ghost:hover { color: var(--teal-dark); }
.featured-ribbon {
  position: absolute;
  top: 0;
  left: 28px;
  background: var(--teal);
  color: var(--navy);
  font-size: 9px;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 4px 14px;
  border-radius: 0 0 8px 8px;
}

/* ── CAR IMAGE CARDS ── */
.car-photo-card {
  position: relative;
  border-radius: var(--r-lg);
  overflow: hidden;
  background: var(--navy-800);
  aspect-ratio: 16/10;
}
.car-photo-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.6s ease;
}
.car-photo-card:hover .car-photo-img { transform: scale(1.04); }
.car-photo-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(8,17,31,.85) 0%, rgba(8,17,31,.1) 60%, transparent 100%);
}
.car-photo-content {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  padding: 20px 22px;
}
.car-photo-tag {
  display: inline-block;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--teal);
  background: rgba(0,212,184,.15);
  padding: 3px 10px;
  border-radius: var(--r-full);
  margin-bottom: 6px;
}
.car-photo-title {
  font-family: 'Fraunces', serif;
  font-size: 18px;
  font-weight: 700;
  color: white;
  line-height: 1.25;
  margin-bottom: 4px;
}
.car-photo-sub { font-size: 12px; color: rgba(255,255,255,.6); }

/* ── SECTION HEADERS ── */
.section-header { margin-bottom: 48px; }
.section-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--teal-dark);
  background: rgba(0,176,154,.1);
  padding: 5px 14px;
  border-radius: var(--r-full);
  margin-bottom: 14px;
}
.section-eyebrow-dot {
  width: 6px;
  height: 6px;
  background: var(--teal);
  border-radius: 50%;
}
.section-title {
  font-family: 'Fraunces', serif;
  font-size: clamp(28px, 3.5vw, 42px);
  font-weight: 700;
  color: var(--text-primary);
  line-height: 1.15;
  margin-bottom: 14px;
}
.section-title em { font-style: italic; color: var(--teal-dark); }
.section-subtitle {
  font-size: 17px;
  color: var(--text-muted);
  line-height: 1.7;
  max-width: 580px;
}

/* dark section headers */
.section-header.dark .section-eyebrow { color: var(--teal); background: rgba(0,212,184,.12); }
.section-header.dark .section-title { color: white; }
.section-header.dark .section-subtitle { color: rgba(255,255,255,.55); }

/* ── AFFILIATE DISCLOSURE ── */
.affiliate-disclosure {
  font-size: 12px;
  color: var(--text-muted);
  padding: 14px 18px;
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: var(--r-sm);
  line-height: 1.6;
}

/* ── FOOTER ── */
.site-footer {
  background: var(--navy-800);
  padding: 72px 0 0;
  border-top: 1px solid rgba(255,255,255,.06);
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 56px;
}
.footer-brand { }
.footer-brand-logo { margin-bottom: 16px; }
.footer-brand-desc {
  font-size: 14px;
  color: rgba(255,255,255,.4);
  line-height: 1.7;
  max-width: 280px;
  margin-bottom: 24px;
}
.footer-social { display: flex; gap: 10px; }
.footer-social-btn {
  width: 36px;
  height: 36px;
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--r-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,.5);
  text-decoration: none;
  font-size: 14px;
  transition: all var(--t-fast);
}
.footer-social-btn:hover { background: rgba(0,212,184,.15); color: var(--teal); border-color: rgba(0,212,184,.3); }
.footer-col h4 {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,.5);
  margin-bottom: 18px;
}
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col ul a {
  font-size: 14px;
  color: rgba(255,255,255,.4);
  text-decoration: none;
  transition: color var(--t-fast);
}
.footer-col ul a:hover { color: var(--teal); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.06);
  padding: 24px 0;
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 24px;
  flex-wrap: wrap;
}
.footer-legal {
  font-size: 12px;
  color: rgba(255,255,255,.25);
  line-height: 1.6;
  max-width: 760px;
}
.footer-legal-links {
  display: flex;
  gap: 20px;
  flex-shrink: 0;
}
.footer-legal-links a {
  font-size: 12px;
  color: rgba(255,255,255,.3);
  text-decoration: none;
  transition: color var(--t-fast);
  white-space: nowrap;
}
.footer-legal-links a:hover { color: var(--teal); }

/* ── ANIMATIONS ── */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(24px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes fadeIn {
  from { opacity: 0; }
  to   { opacity: 1; }
}
@keyframes slideRight {
  from { transform: scaleX(0); }
  to   { transform: scaleX(1); }
}
@keyframes pulseDot {
  0%, 100% { opacity: 1; transform: scale(1); }
  50%       { opacity: 0.5; transform: scale(0.7); }
}
@keyframes float {
  0%, 100% { transform: translateY(0); }
  50%       { transform: translateY(-10px); }
}
@keyframes shimmer {
  0%   { background-position: -200% center; }
  100% { background-position: 200% center; }
}

.animate-fade-up   { animation: fadeUp 0.6s ease both; }
.delay-1 { animation-delay: 0.1s; }
.delay-2 { animation-delay: 0.2s; }
.delay-3 { animation-delay: 0.3s; }
.delay-4 { animation-delay: 0.4s; }
.delay-5 { animation-delay: 0.5s; }

/* ── RESPONSIVE ── */
@media (max-width: 1100px) {
  .footer-grid { grid-template-columns: 1fr 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
  .rank-card-inner { grid-template-columns: 44px 48px 1fr auto 140px; }
  .rank-stat:nth-child(5) { display: none; }
}
@media (max-width: 768px) {
  :root { --nav-h: 62px; }
  .nav-menu { display: none; }
  .nav-actions .nav-btn-ghost { display: none; }
  .nav-mobile-toggle { display: flex; }
  .section, .section-sm, .section-lg { padding: 56px 0; }
  .container { padding: 0 16px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .rank-card-inner {
    grid-template-columns: 40px 1fr auto;
    gap: 14px;
    padding: 18px 18px;
  }
  .lender-logo-box { display: none; }
  .rank-stat { display: none; }
  .rank-stat.rate-stat { display: block; }
}
@media (max-width: 480px) {
  .footer-grid { grid-template-columns: 1fr; }
}


/* === v4 commercial hardening === */
.compliance-strip{background:#fff8e8;border:1px solid rgba(255,184,77,.35);padding:10px 14px;border-radius:14px;color:#5d4a11;font-size:13px;line-height:1.6}.compliance-strip a{color:#0c7b6d;font-weight:700;text-decoration:none}.bestfor-grid,.fit-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.bestfor-card,.fit-card,.mini-card{background:#fff;border:1px solid var(--gray-200);border-radius:20px;padding:22px;box-shadow:0 18px 40px rgba(8,17,31,.05)}.bestfor-card h3,.fit-card h3,.mini-card h3{margin:0 0 8px;color:var(--navy)}.bestfor-card p,.fit-card p,.mini-card p{margin:0;color:var(--text-muted);line-height:1.7;font-size:14px}.fit-form{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:22px}.fit-form .hc-field{margin:0}.fit-result{margin-top:20px;padding:18px 20px;border-radius:18px;background:#08111f;color:#fff}.fit-result a{color:#fff;text-decoration:none;font-weight:700}.tracked-pill{display:inline-flex;align-items:center;gap:8px;padding:7px 12px;border-radius:999px;background:rgba(0,212,184,.1);color:var(--teal-dark);font-size:12px;font-weight:700}.editorial-note{font-size:13px;color:var(--text-muted);line-height:1.7;margin-top:10px}.sticky-disclosure{position:sticky;top:calc(var(--nav-h) + 12px);z-index:20}.source-pill{display:inline-flex;padding:7px 12px;border-radius:999px;background:#eef8f7;color:#0c7b6d;font-weight:700;font-size:12px}.cta-footnote{font-size:12px;color:var(--text-muted);margin-top:10px;line-height:1.6}.sitewide-disclosure{background:#07111f;color:rgba(255,255,255,.8);font-size:12px;padding:10px 0;border-bottom:1px solid rgba(255,255,255,.08)}.sitewide-disclosure strong{color:#fff}.sitewide-disclosure a{color:var(--teal);text-decoration:none}@media(max-width:980px){.bestfor-grid,.fit-grid,.fit-form{grid-template-columns:1fr}}