/* Homepage */

.h-wrap {
  width: min(1200px, calc(100% - 3rem));
  margin-inline: auto;
}

/* Buttons */
.h-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .5rem;
  min-height: 48px;
  padding: 0 1.35rem;
  border-radius: 8px;
  border: 1px solid transparent;
  font-size: .95rem;
  font-weight: 600;
  white-space: nowrap;
  transition: background .15s, border-color .15s, color .15s;
}
@media (max-width: 480px) {
  .h-btn { white-space: normal; text-align: center; line-height: 1.25; padding: .75rem 1.1rem; }
}
.h-btn svg { width: 16px; height: 16px; }
.h-btn-primary { background: var(--g-700); color: #fff; }
.h-btn-primary:hover { background: var(--g-800); }
.h-btn-outline { background: #fff; color: var(--ink); border-color: var(--line-2); }
.h-btn-outline:hover { border-color: var(--ink); }
.h-btn-light { background: #fff; color: var(--g-900); }
.h-btn-light:hover { background: var(--g-50); }

/* Hero */
.h-hero {
  padding: 5rem 0 4.5rem;
  border-bottom: 1px solid var(--line);
  background:
    radial-gradient(ellipse 80% 60% at 100% 0%, rgba(43, 143, 176, .14), transparent 55%),
    radial-gradient(ellipse 50% 40% at 0% 100%, rgba(201, 146, 42, .08), transparent 50%),
    linear-gradient(180deg, #f4f8fb 0%, #fff 55%, #eef5f9 100%);
}
.h-hero-grid {
  display: grid;
  grid-template-columns: 1fr 1.05fr;
  gap: 4rem;
  align-items: center;
}
.h-brand-hero {
  display: inline-flex;
  align-items: center;
  gap: .55rem;
  font-family: var(--font);
  font-size: clamp(1.65rem, 3.2vw, 2.15rem);
  font-weight: 700;
  letter-spacing: -.04em;
  line-height: 1.1;
  color: var(--g-900);
  margin: 0;
}
.h-brand-hero .brand-mark {
  width: 1.15em;
  height: 1.15em;
}
.h-kicker {
  font-size: .82rem;
  font-weight: 600;
  color: var(--g-700);
  letter-spacing: .01em;
}
.h-hero h1 {
  margin: .85rem 0 1.15rem;
  font-size: clamp(1.75rem, 3.5vw, 2.55rem);
  font-weight: 600;
  line-height: 1.18;
  letter-spacing: -.035em;
  color: var(--ink);
  font-family: var(--font);
  max-width: 18ch;
}
.h-hero h1 span { color: var(--g-600); }
.h-sub {
  max-width: 32rem;
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--ink-2);
}
.h-cta { display: flex; flex-wrap: wrap; gap: .75rem; margin-top: 2rem; }
.h-assure {
  display: flex;
  flex-wrap: wrap;
  margin-top: 1.75rem;
  font-size: .875rem;
  color: var(--ink-2);
}
.h-assure li { display: flex; align-items: center; }
.h-assure li + li::before {
  content: "";
  width: 1px;
  height: 14px;
  margin: 0 .9rem;
  background: var(--line-2);
}

/* Rate panel */
.h-panel {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  box-shadow: 0 1px 2px rgba(15,23,42,.04), 0 20px 40px -24px rgba(15,23,42,.18);
  overflow: hidden;
}
.h-panel-head {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  border-bottom: 1px solid var(--line);
  background: #fafbfb;
}
.h-panel-head > div { padding: .9rem 1.25rem; }
.h-panel-head > div + div { border-left: 1px solid var(--line); }
.h-label {
  display: block;
  font-size: .72rem;
  font-weight: 500;
  color: var(--ink-3);
  margin-bottom: .15rem;
}
.h-panel-head b { font-size: .95rem; font-weight: 600; }
.h-table {
  width: 100%;
  border-collapse: collapse;
  font-size: .9rem;
  font-variant-numeric: tabular-nums;
}
.h-table th {
  padding: .7rem 1.25rem;
  text-align: right;
  font-size: .72rem;
  font-weight: 500;
  color: var(--ink-3);
  border-bottom: 1px solid var(--line);
}
.h-table th:first-child,
.h-table td:first-child { text-align: left; }
.h-table td {
  padding: .9rem 1.25rem;
  text-align: right;
  border-bottom: 1px solid var(--line);
  color: var(--ink-2);
  white-space: nowrap;
}
.h-table td:first-child {
  display: flex;
  align-items: center;
  gap: .7rem;
  color: var(--ink);
  font-weight: 500;
}
.h-table td:nth-child(2) { color: var(--ink); font-weight: 600; }
.h-table tr.is-best td { background: #f2f8f5; }
.h-table tr.is-best td:nth-child(2) { color: var(--g-700); }
.h-table em {
  margin-left: .25rem;
  padding: .1rem .4rem;
  border-radius: 4px;
  background: var(--g-700);
  color: #fff;
  font-size: .66rem;
  font-style: normal;
  font-weight: 600;
  letter-spacing: .02em;
}
.h-mark {
  display: grid;
  place-items: center;
  flex: 0 0 28px;
  height: 28px;
  border-radius: 6px;
  background: var(--c);
  color: #fff;
  font-size: .62rem;
  font-weight: 700;
  letter-spacing: .02em;
}
.h-panel-foot {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1rem 1.25rem;
  font-size: .875rem;
  color: var(--ink-2);
}
.h-panel-foot b { font-size: 1.1rem; color: var(--g-700); font-variant-numeric: tabular-nums; }
.h-note {
  padding: .7rem 1.25rem;
  border-top: 1px solid var(--line);
  font-size: .72rem;
  color: var(--ink-3);
}

/* Lenders */
.h-lenders { border-bottom: 1px solid var(--line); }
.h-lenders-row {
  display: flex;
  align-items: center;
  gap: 2rem;
  padding: 1.5rem 0;
}
.h-lenders p {
  flex: 0 0 auto;
  font-size: .8rem;
  font-weight: 500;
  color: var(--ink-3);
}
.h-lenders ul {
  flex: 1;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: .85rem 1.25rem;
}
.h-lenders li {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  font-size: .88rem;
  font-weight: 600;
  letter-spacing: -.01em;
  color: #5b6572;
  white-space: nowrap;
}
.h-lenders img {
  width: 28px;
  height: 28px;
  border-radius: 7px;
  box-shadow: 0 0 0 1px rgba(15,23,42,.06);
}

/* Stats */
.h-stats { border-bottom: 1px solid var(--line); }
.h-stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.h-stats-grid > div { padding: 2.75rem 0 2.75rem 2rem; border-left: 1px solid var(--line); }
.h-stats-grid > div:first-child { padding-left: 0; border-left: 0; }
.h-stats-grid b {
  display: block;
  font-size: clamp(1.6rem, 2.8vw, 2.25rem);
  font-weight: 600;
  letter-spacing: -.03em;
  font-variant-numeric: tabular-nums;
  white-space: nowrap;
}
.h-stats-grid span { display: block; margin-top: .3rem; font-size: .875rem; color: var(--ink-2); }

/* Sections */
.h-section { padding: 5.5rem 0; }
.h-section-alt { background: #f5f8fb; border-block: 1px solid var(--line); }
.h-section-tight { padding-bottom: 4rem; }
.h-head { margin-bottom: 2.5rem; }
.h-head h2 {
  font-size: clamp(1.75rem, 3vw, 2.4rem);
  font-weight: 700;
  letter-spacing: -.03em;
  line-height: 1.15;
}
.h-section-lead {
  margin-top: 1rem;
  max-width: 40rem;
  font-size: 1.05rem;
  line-height: 1.65;
  color: var(--ink-2);
}

/* AI scan — clean match visual, light copy */
.h-scan {
  padding: 5rem 0;
  border-block: 1px solid var(--line);
  background: linear-gradient(180deg, #f8fafc 0%, #fff 100%);
}
.h-scan-grid {
  display: grid;
  grid-template-columns: 1fr 1.05fr;
  gap: 3.5rem 4rem;
  align-items: center;
}
.h-scan-copy h2 {
  font-size: clamp(1.65rem, 3vw, 2.25rem);
  font-weight: 700;
  letter-spacing: -.03em;
  line-height: 1.15;
  max-width: 16ch;
  margin: 0;
}
.h-scan-lead {
  margin: 1rem 0 0;
  max-width: 28rem;
  font-size: 1.02rem;
  line-height: 1.55;
  color: var(--ink-2);
}
.h-scan-steps {
  list-style: none;
  margin: 2rem 0 0;
  padding: 0;
  display: grid;
  gap: .85rem;
}
.h-scan-steps li {
  display: grid;
  grid-template-columns: 2rem 1fr;
  gap: .75rem;
  align-items: baseline;
}
.h-scan-steps b {
  font-size: .78rem;
  font-weight: 600;
  letter-spacing: .04em;
  color: var(--g-600);
  font-variant-numeric: tabular-nums;
}
.h-scan-steps span {
  font-size: .98rem;
  font-weight: 500;
  letter-spacing: -.015em;
  color: var(--ink);
}

.h-scan-visual {
  position: relative;
  padding: 1.5rem 0 1.5rem 1rem;
}
.h-match {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 20px;
  padding: 1.75rem 1.85rem 1.6rem;
  box-shadow: 0 20px 50px -36px rgba(15, 23, 42, .35);
}
.h-match-label {
  margin: 0 0 .85rem;
  font-size: .72rem;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--g-600);
}
.h-match h3 {
  margin: 0;
  font-size: clamp(1.75rem, 3vw, 2.15rem);
  font-weight: 700;
  letter-spacing: -.035em;
  line-height: 1.1;
}
.h-match-course {
  margin: .4rem 0 0;
  font-size: .95rem;
  color: var(--ink-2);
}
.h-match-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  margin-top: 1.6rem;
  padding-top: 1.35rem;
  border-top: 1px solid var(--line);
}
.h-match-stats span {
  display: block;
  font-size: .72rem;
  color: var(--ink-3);
  margin-bottom: .25rem;
}
.h-match-stats strong {
  font-size: 1.15rem;
  font-weight: 600;
  letter-spacing: -.02em;
}
.h-match-stats strong.is-fit { color: var(--g-600); }

.h-signal {
  display: grid;
  gap: .65rem;
  margin-top: 1rem;
  margin-left: 1.25rem;
}
.h-signal-item {
  display: grid;
  grid-template-columns: 28px 1fr;
  gap: .7rem;
  align-items: center;
  padding: .7rem .9rem;
  background: rgba(255, 255, 255, .92);
  border: 1px solid var(--line);
  border-radius: 14px;
  box-shadow: 0 10px 28px -22px rgba(15, 23, 42, .4);
  animation: h-signal-in .55s ease-out both;
}
.h-signal-item:nth-child(2) { animation-delay: .12s; }
@keyframes h-signal-in {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: none; }
}
.h-signal-mark {
  width: 28px;
  height: 28px;
  border-radius: 8px;
  display: grid;
  place-items: center;
}
.h-signal-mark svg { width: 16px; height: 16px; display: block; }
.h-signal-mark.is-reddit { color: #FF4500; background: rgba(255, 69, 0, .08); }
.h-signal-mark.is-x { color: #0a1628; background: rgba(10, 22, 40, .06); }
.h-signal-item p {
  margin: 0;
  font-size: .88rem;
  line-height: 1.35;
  color: var(--ink-2);
}

.h-head-row { display: flex; justify-content: space-between; align-items: baseline; gap: 1rem; }
.h-head-row a { font-size: .92rem; font-weight: 600; color: var(--g-700); }
.h-head-row a:hover { color: var(--g-800); }

/* Products */
.h-products { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; }
.h-product {
  display: flex;
  flex-direction: column;
  padding: 2.25rem;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: #fff;
  transition: border-color .2s, box-shadow .2s;
}
.h-product:hover { border-color: var(--line-2); box-shadow: 0 16px 32px -24px rgba(15,23,42,.3); }
.h-product-dark { background: var(--g-900); border-color: var(--g-900); color: #fff; }
.h-product-dark:hover { border-color: var(--g-900); }
.h-product-label { font-size: .8rem; font-weight: 600; color: var(--g-700); }
.h-product-dark .h-product-label { color: var(--g-300); }
.h-product h3 {
  margin: .6rem 0 2rem;
  font-size: 1.5rem;
  font-weight: 600;
  letter-spacing: -.025em;
  line-height: 1.25;
  max-width: 20ch;
}
.h-link {
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  margin-top: auto;
  padding-top: 2rem;
  font-size: .92rem;
  font-weight: 600;
  color: var(--g-700);
}
.h-product-dark .h-link { color: #fff; }
.h-link svg { width: 16px; height: 16px; transition: transform .2s; }
.h-product:hover .h-link svg { transform: translateX(3px); }

.h-compare { display: grid; gap: .7rem; font-variant-numeric: tabular-nums; }
.h-compare div {
  display: grid;
  grid-template-columns: 52px 1fr 52px;
  align-items: center;
  gap: .9rem;
  font-size: .82rem;
  color: rgba(255,255,255,.6);
}
.h-compare i {
  display: block;
  height: 8px;
  width: var(--w);
  border-radius: 2px;
  background: rgba(255,255,255,.16);
}
.h-compare b { text-align: right; font-weight: 600; color: rgba(255,255,255,.85); }
.h-compare .is-best span, .h-compare .is-best b { color: #fff; }
.h-compare .is-best i { background: var(--g-300); }

.h-switch {
  display: grid;
  grid-template-columns: 1fr 24px 1fr;
  align-items: center;
  gap: 1rem;
  font-variant-numeric: tabular-nums;
}
.h-switch > div {
  padding: 1rem 1.1rem;
  border: 1px solid var(--line);
  border-radius: 8px;
}
.h-switch > div span { display: block; font-size: .75rem; color: var(--ink-3); margin-bottom: .15rem; }
.h-switch > div b { font-size: 1.5rem; font-weight: 600; letter-spacing: -.02em; color: var(--g-700); }
.h-switch > div b.is-old { color: var(--ink-3); text-decoration: line-through; text-decoration-thickness: 1.5px; }
.h-switch svg { width: 24px; color: var(--ink-3); }
.h-switch .h-switch-save {
  grid-column: 1 / -1;
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  background: #f2f8f5;
  border-color: #d5e9df;
}
.h-switch .h-switch-save span { margin: 0; color: var(--ink-2); font-size: .85rem; }
.h-switch .h-switch-save b { font-size: 1.1rem; }

/* Steps */
.h-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  list-style: none;
  margin: 0;
  padding: 0;
  border-top: 1px solid var(--line-2);
}
.h-steps li { padding: 1.75rem 2rem 0 0; }
.h-steps span {
  display: block;
  margin-bottom: 1.25rem;
  font-size: .85rem;
  font-weight: 600;
  color: var(--g-700);
  font-variant-numeric: tabular-nums;
}
.h-steps h3 { font-size: 1.15rem; font-weight: 600; letter-spacing: -.02em; margin-bottom: .4rem; }
.h-steps p { color: var(--ink-2); font-size: .95rem; }

/* Comparison table */
.h-vs {
  border: 1px solid var(--line);
  border-radius: 12px;
  overflow: hidden;
}
.h-vs table { width: 100%; border-collapse: collapse; font-size: .95rem; }
.h-vs th {
  padding: 1.1rem 1.5rem;
  text-align: left;
  font-size: .85rem;
  font-weight: 600;
  color: var(--ink-2);
  background: #fafbfb;
  border-bottom: 1px solid var(--line);
}
.h-vs th.is-us { color: #fff; background: var(--g-800); }
.h-vs td {
  padding: 1.05rem 1.5rem;
  border-bottom: 1px solid var(--line);
  color: var(--ink-2);
}
.h-vs tr:last-child td { border-bottom: 0; }
.h-vs td:first-child { width: 26%; color: var(--ink); font-weight: 500; }
.h-vs td.is-us { background: #f2f8f5; color: var(--ink); font-weight: 500; }
.h-vs i {
  display: inline-block;
  width: 18px;
  height: 18px;
  margin-right: .65rem;
  vertical-align: -4px;
  border-radius: 50%;
  background-position: center;
  background-repeat: no-repeat;
  background-size: 18px;
}
.h-vs i.no {
  background-color: #eef1f4;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 18 18'%3E%3Cpath d='M6.5 6.5l5 5M11.5 6.5l-5 5' stroke='%2394a3b8' stroke-width='1.6' stroke-linecap='round'/%3E%3C/svg%3E");
}
.h-vs i.yes {
  background-color: var(--g-700);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 18 18'%3E%3Cpath d='M5.5 9.2l2.3 2.3 4.7-4.7' fill='none' stroke='white' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
}

/* Tools */
.h-tools {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  border: 1px solid var(--line);
  border-radius: 12px;
  overflow: hidden;
}
.h-tools a {
  position: relative;
  padding: 1.5rem;
  transition: background .15s;
}
.h-tools a + a { border-left: 1px solid var(--line); }
.h-tools a::after {
  content: "→";
  position: absolute;
  top: 1.45rem;
  right: 1.5rem;
  color: var(--ink-3);
  transition: transform .2s, color .2s;
}
.h-tools a:hover { background: #f7faf9; }
.h-tools a:hover::after { color: var(--g-700); transform: translateX(3px); }
.h-tools b { display: block; font-size: 1rem; font-weight: 600; margin-bottom: .2rem; }
.h-tools span { font-size: .875rem; color: var(--ink-2); }

/* Final CTA */
.h-final { padding: 0 0 5.5rem; }
.h-final-card {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
  padding: 3rem;
  border-radius: 12px;
  background: var(--g-900);
  color: #fff;
}
.h-final-card h2 { font-size: clamp(1.6rem, 2.8vw, 2.1rem); font-weight: 700; letter-spacing: -.03em; margin-bottom: .4rem; }
.h-final-card p { color: rgba(255,255,255,.7); }

/* Responsive */
@media (max-width: 1024px) {
  .h-hero-grid { grid-template-columns: 1fr; gap: 3rem; }
  .h-panel { max-width: 640px; }
  .h-lenders-row { flex-direction: column; align-items: flex-start; gap: 1rem; }
  .h-lenders ul { justify-content: flex-start; }
  .h-stats-grid { grid-template-columns: 1fr 1fr; }
  .h-stats-grid > div:nth-child(3) { padding-left: 0; border-left: 0; }
  .h-stats-grid > div:nth-child(-n+2) { border-bottom: 1px solid var(--line); }
  .h-products { grid-template-columns: 1fr; }
  .h-scan-grid { grid-template-columns: 1fr; gap: 2.25rem; }
  .h-scan-copy h2 { max-width: none; }
  .h-scan-visual { padding: 0; }
  .h-signal { margin-left: 0; }
  .h-tools { grid-template-columns: 1fr 1fr; }
  .h-tools a:nth-child(3) { border-left: 0; }
  .h-tools a:nth-child(-n+2) { border-bottom: 1px solid var(--line); }
}
@media (max-width: 640px) {
  .h-wrap { width: calc(100% - 2rem); }
  .h-hero { padding: 3rem 0; }
  .h-hero h1 { font-size: 2.25rem; }
  .h-sub { font-size: 1rem; }
  .h-cta .h-btn { width: 100%; }
  .h-assure { gap: .4rem 1.1rem; font-size: .8rem; }
  .h-assure li::before,
  .h-assure li + li::before { content: "✓"; width: auto; height: auto; margin: 0 .35rem 0 0; background: none; color: var(--g-700); font-weight: 600; }
  .h-panel-head > div { padding: .75rem .8rem; }
  .h-panel-head b { font-size: .8rem; white-space: nowrap; }
  .h-table th:nth-child(4), .h-table td:nth-child(4) { display: none; }
  .h-table th, .h-table td { padding-inline: .9rem; }
  .h-table em { display: none; }
  .h-stats-grid > div { padding: 1.75rem 0 1.75rem 1.25rem; }
  .h-section { padding: 4rem 0; }
  .h-scan { padding: 3.5rem 0; }
  .h-match-stats { gap: .65rem; }
  .h-match-stats strong { font-size: 1rem; }
  .h-product { padding: 1.5rem; }
  .h-steps { grid-template-columns: 1fr; border-top: 0; }
  .h-steps li { padding: 1.5rem 0; border-top: 1px solid var(--line-2); }
  .h-vs { overflow-x: auto; }
  .h-vs table { min-width: 520px; }
  .h-vs th, .h-vs td { padding: .9rem 1rem; }
  .h-tools { grid-template-columns: 1fr; }
  .h-tools a + a { border-left: 0; border-top: 1px solid var(--line); }
  .h-tools a:nth-child(-n+2) { border-bottom: 0; }
  .h-final-card { flex-direction: column; align-items: flex-start; padding: 2rem 1.5rem; }
  .h-final-card .h-btn { width: 100%; }
}

@media (prefers-reduced-motion: reduce) {
  .h-signal-item { animation: none; opacity: 1; transform: none; }
}