/* =========================================================
   Short Til Friday — shared styles (mobile-first, no framework)
   Palette: ink / slate / teal accent. No red urgency colors.
   ========================================================= */

:root {
  --ink: #0f172a;         /* headings / body text */
  --text: #1e293b;
  --muted: #475569;       /* 7.5:1 on white */
  --line: #e2e8f0;
  --line-strong: #cbd5e1;
  --bg: #ffffff;
  --soft: #f8fafc;
  --soft-2: #f1f5f9;
  --accent: #0f766e;      /* teal 700 — 5.4:1 on white */
  --accent-dark: #115e59;
  --accent-soft: #ecfdf5;
  --focus: #2563eb;
  --radius: 14px;
  --radius-sm: 10px;
  --max: 1080px;
  --font: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

body {
  margin: 0;
  font-family: var(--font);
  font-size: 17px;
  line-height: 1.6;
  color: var(--text);
  background: var(--bg);
  overflow-wrap: break-word;
}

img { max-width: 100%; height: auto; }

h1, h2, h3, h4 { color: var(--ink); line-height: 1.2; margin: 0 0 .5em; letter-spacing: -0.01em; }
h1 { font-size: clamp(2rem, 6vw, 3.1rem); font-weight: 800; letter-spacing: -0.02em; }
h2 { font-size: clamp(1.5rem, 4vw, 2.1rem); font-weight: 700; }
h3 { font-size: 1.2rem; font-weight: 700; }
h4 { font-size: 1rem; font-weight: 700; }
p { margin: 0 0 1em; }
ul { margin: 0 0 1em; padding-left: 1.2em; }
li { margin-bottom: .35em; }

a { color: var(--accent); text-underline-offset: 2px; }
a:hover { color: var(--accent-dark); }

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

.container { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 16px; }
@media (min-width: 760px) { .container { padding: 0 24px; } }

.skip-link {
  position: absolute; left: -9999px; top: 0;
  background: var(--ink); color: #fff; padding: 10px 14px; z-index: 100;
}
.skip-link:focus { left: 8px; top: 8px; }

.muted { color: var(--muted); }
.small { font-size: .875rem; }
.section { padding: 56px 0; }
.section--soft { background: var(--soft); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-intro { max-width: 680px; color: var(--muted); font-size: 1.05rem; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.96);
  border-bottom: 1px solid var(--line);
  backdrop-filter: saturate(1.2) blur(6px);
}
.site-header .container {
  display: flex; align-items: center; justify-content: space-between;
  gap: 12px; min-height: 64px;
}
.logo {
  font-weight: 800; color: var(--ink); text-decoration: none;
  font-size: 1.05rem; letter-spacing: -0.01em;
  display: inline-flex; align-items: center; gap: 8px; min-height: 44px; white-space: nowrap;
}
.logo-mark {
  width: 26px; height: 26px; border-radius: 7px; background: var(--accent);
  display: inline-block; position: relative; flex: none;
}
.logo-mark::after {
  content: ""; position: absolute; left: 7px; top: 12px; width: 12px; height: 3px;
  background: #fff; border-radius: 2px;
}
.nav { display: flex; align-items: center; gap: 4px; }
.nav .btn { white-space: nowrap; }
@media (max-width: 370px) {
  .logo { font-size: .92rem; gap: 6px; }
  .logo-mark { width: 22px; height: 22px; }
  .logo-mark::after { left: 5px; top: 10px; }
  .nav .btn { padding: 10px 10px; font-size: .85rem; }
  .site-header .container { padding-left: 12px; padding-right: 12px; }
}
.nav a.nav-link {
  display: none; color: var(--muted); text-decoration: none; font-weight: 600;
  font-size: .95rem; padding: 10px 12px; border-radius: 8px; min-height: 44px; align-items: center;
}
.nav a.nav-link:hover { color: var(--ink); background: var(--soft-2); }
@media (min-width: 760px) { .nav a.nav-link { display: inline-flex; } }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  min-height: 48px; padding: 12px 22px; border-radius: 10px;
  font: inherit; font-weight: 700; font-size: 1rem; text-decoration: none;
  border: 1px solid transparent; cursor: pointer; text-align: center;
  transition: background-color .15s ease, border-color .15s ease;
}
.btn-primary { background: var(--accent); color: #fff; }
.btn-primary:hover { background: var(--accent-dark); color: #fff; }
.btn-secondary { background: #fff; color: var(--ink); border-color: var(--line-strong); }
.btn-secondary:hover { border-color: var(--ink); color: var(--ink); }
.btn-sm { min-height: 44px; padding: 10px 16px; font-size: .95rem; }
.btn-block { width: 100%; }

/* ---------- Hero ---------- */
.hero { padding: 48px 0 32px; }
.eyebrow {
  display: inline-block; font-size: .8rem; font-weight: 700; letter-spacing: .08em;
  text-transform: uppercase; color: var(--accent); margin-bottom: 14px;
}
.hero .subhead { font-size: clamp(1.15rem, 3.2vw, 1.4rem); font-weight: 600; color: var(--ink); margin-bottom: 14px; }
.hero .lede { max-width: 640px; color: var(--muted); font-size: 1.05rem; }
.hero-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 14px; margin-top: 22px; }
.trust-note {
  display: inline-flex; align-items: flex-start; gap: 8px; font-size: .95rem; color: var(--muted);
  margin-top: 18px; max-width: 560px;
}
.trust-note .check {
  flex: none; width: 20px; height: 20px; margin-top: 2px; border-radius: 50%;
  background: var(--accent-soft); color: var(--accent); display: inline-flex;
  align-items: center; justify-content: center; font-size: .75rem; font-weight: 800;
}

/* ---------- Trust strip ---------- */
.trust-strip { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); background: var(--soft); }
.trust-strip ul {
  list-style: none; margin: 0; padding: 14px 0;
  display: grid; grid-template-columns: 1fr 1fr; gap: 8px 16px;
}
.trust-strip li { margin: 0; font-weight: 700; color: var(--ink); font-size: .95rem; }
@media (min-width: 760px) {
  .trust-strip ul { display: flex; justify-content: space-between; }
  .trust-strip li + li { border-left: 1px solid var(--line-strong); padding-left: 16px; }
}

/* ---------- Cards ---------- */
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 22px 18px;
}
@media (min-width: 760px) { .card { padding: 28px; } }

.tag {
  display: inline-block; font-size: .75rem; font-weight: 700; letter-spacing: .06em;
  text-transform: uppercase; padding: 4px 10px; border-radius: 999px;
  background: var(--soft-2); color: var(--ink); border: 1px solid var(--line);
}
.tag--featured { background: var(--ink); color: #fff; border-color: var(--ink); }
.type-badge {
  display: inline-block; font-size: .8rem; font-weight: 600; padding: 3px 10px;
  border-radius: 999px; border: 1px solid var(--line-strong); color: var(--ink); background: #fff;
}
.type-badge--ewa { border-color: #99f6e4; background: #f0fdfa; }
.type-badge--advance { border-color: #bae6fd; background: #f0f9ff; }
.type-badge--loan { border-color: #fde68a; background: #fffbeb; }

/* Featured */
.featured { border: 2px solid var(--ink); }
.featured-head { display: flex; flex-wrap: wrap; align-items: center; gap: 10px; margin-bottom: 10px; }
.featured h2 { font-size: clamp(1.8rem, 5vw, 2.4rem); margin-bottom: 8px; }
.featured-grid { display: grid; gap: 24px; }
@media (min-width: 900px) { .featured-grid { grid-template-columns: 1.4fr 1fr; align-items: start; } }

.facts { margin: 16px 0; border-top: 1px solid var(--line); }
.facts div {
  display: grid; grid-template-columns: 1fr; gap: 2px;
  padding: 10px 0; border-bottom: 1px solid var(--line);
}
@media (min-width: 520px) { .facts div { grid-template-columns: 150px 1fr; gap: 12px; } }
.facts dt { font-weight: 700; color: var(--ink); font-size: .92rem; }
.facts dd { margin: 0; font-size: .95rem; }

.pros-cons { display: grid; gap: 18px; margin-top: 8px; }
@media (min-width: 640px) { .pros-cons { grid-template-columns: 1fr 1fr; } }
.pros-cons h3, .pros-cons h4 { font-size: 1rem; margin-bottom: .4em; }
.pros-cons ul { font-size: .95rem; }

.cta-box {
  background: var(--soft); border: 1px solid var(--line); border-radius: var(--radius-sm);
  padding: 18px;
}
.cta-sub { display: block; text-align: center; font-size: .85rem; color: var(--muted); margin-top: 8px; }
.aff-note { font-size: .82rem; color: var(--muted); margin: 10px 0 0; }
.disclosure-box {
  font-size: .88rem; color: var(--muted); border-left: 3px solid var(--line-strong);
  padding: 8px 12px; margin: 14px 0 0; background: #fff;
}
.disclosure-box strong { color: var(--ink); }

/* Provider grid */
.provider-grid { display: grid; gap: 18px; margin-top: 28px; }
@media (min-width: 900px) { .provider-grid { grid-template-columns: 1fr 1fr; } }
.provider-card { display: flex; flex-direction: column; scroll-margin-top: 84px; }
.provider-card .card-head { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 8px; margin-bottom: 6px; }
.provider-card h3 { font-size: 1.45rem; margin: 0; }
.provider-card .one-liner { color: var(--muted); font-size: .98rem; margin: 8px 0 0; }
.provider-card .fit { font-size: .95rem; background: var(--soft); border-radius: var(--radius-sm); padding: 12px 14px; margin: 6px 0 16px; }
.provider-card .fit strong { color: var(--ink); }
.provider-card .card-cta { margin-top: auto; }

/* ---------- Comparison table → stacked cards under 960px (7 columns need the room) ---------- */
.compare-wrap { margin-top: 24px; }
.compare-table { width: 100%; border-collapse: separate; border-spacing: 0; font-size: .95rem; }
.compare-table caption { display: block; text-align: left; color: var(--muted); font-size: .88rem; padding-bottom: 10px; }

/* Mobile (default): every row is a card */
.compare-table thead { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.compare-table, .compare-table tbody, .compare-table tr, .compare-table th, .compare-table td { display: block; }
.compare-table tr {
  border: 1px solid var(--line); border-radius: var(--radius); padding: 14px 16px; margin-bottom: 14px; background: #fff;
}
.compare-table tr.is-featured { border: 2px solid var(--ink); }
.compare-table th[scope="row"] { text-align: left; font-size: 1.2rem; font-weight: 800; color: var(--ink); padding: 0 0 8px; }
.compare-table td {
  display: grid; grid-template-columns: minmax(96px, 38%) 1fr; gap: 10px;
  padding: 8px 0; border-top: 1px solid var(--line);
}
.compare-table td::before { content: attr(data-label); font-weight: 700; color: var(--muted); font-size: .85rem; }
.compare-table td.td-cta { display: block; padding-top: 12px; }
.compare-table td.td-cta::before { content: none; }
.compare-table td.td-cta .btn { width: 100%; }

@media (min-width: 960px) {
  .compare-table { display: table; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; }
  .compare-table caption { display: table-caption; }
  .compare-table thead { position: static; width: auto; height: auto; overflow: visible; clip: auto; white-space: normal; display: table-header-group; }
  .compare-table tbody { display: table-row-group; }
  .compare-table tr { display: table-row; border: 0; padding: 0; margin: 0; border-radius: 0; }
  .compare-table th, .compare-table td { display: table-cell; padding: 14px 12px; border-top: 1px solid var(--line); vertical-align: top; text-align: left; }
  .compare-table thead th { background: var(--soft); border-top: 0; font-size: .8rem; text-transform: uppercase; letter-spacing: .05em; color: var(--muted); }
  .compare-table th[scope="row"] { font-size: 1rem; padding: 14px 12px; }
  .compare-table td::before { content: none; }
  .compare-table td.td-cta { padding-top: 14px; }
  .compare-table td.td-cta .btn { width: auto; white-space: nowrap; }
  .compare-table tr.is-featured th, .compare-table tr.is-featured td { background: #f8fafc; }
  .compare-table tr.is-featured th[scope="row"] { box-shadow: inset 4px 0 0 var(--ink); }
}

/* ---------- Prose sections ---------- */
.prose { max-width: 720px; }
.prose h2 { margin-top: 0; }
.prose h3 { margin-top: 1.6em; }
.checklist { list-style: none; padding: 0; display: grid; gap: 8px; }
@media (min-width: 640px) { .checklist { grid-template-columns: 1fr 1fr; } }
.checklist li { padding-left: 26px; position: relative; margin: 0; }
.checklist li::before {
  content: ""; position: absolute; left: 4px; top: .55em; width: 10px; height: 10px;
  border-radius: 3px; background: var(--accent);
}
.reviewed {
  display: inline-block; font-weight: 700; font-size: .9rem; color: var(--ink);
  background: var(--soft-2); border: 1px solid var(--line); border-radius: 8px; padding: 6px 12px;
}
.callout {
  border: 1px solid var(--line); border-radius: var(--radius); background: #fff; padding: 20px;
}

/* ---------- FAQ ---------- */
.faq { max-width: 780px; margin-top: 20px; }
.faq details { border-bottom: 1px solid var(--line); }
.faq details:first-of-type { border-top: 1px solid var(--line); }
.faq summary {
  cursor: pointer; list-style: none; padding: 16px 36px 16px 0; min-height: 44px;
  font-weight: 700; color: var(--ink); position: relative; font-size: 1.05rem;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+"; position: absolute; right: 6px; top: 12px; font-size: 1.4rem; font-weight: 400; color: var(--muted);
}
.faq details[open] summary::after { content: "\2212"; }
.faq .answer { padding: 0 0 16px; color: var(--text); }
.faq .answer ul { margin-bottom: .6em; }

/* ---------- Legal pages ---------- */
.page-head { padding: 40px 0 8px; }
.legal { max-width: 760px; padding-bottom: 56px; }
.legal h2 { font-size: 1.35rem; margin-top: 1.8em; }
.template-flag {
  border: 1px dashed var(--line-strong); background: var(--soft); border-radius: var(--radius-sm);
  padding: 12px 14px; font-size: .92rem; color: var(--ink); margin: 12px 0 24px;
}

/* ---------- Footer ---------- */
.site-footer { border-top: 1px solid var(--line); background: var(--soft); padding: 36px 0 44px; font-size: .92rem; color: var(--muted); }
.footer-links { list-style: none; padding: 0; margin: 0 0 18px; display: flex; flex-wrap: wrap; gap: 4px 6px; }
.footer-links li { margin: 0; }
.footer-links a { color: var(--ink); text-decoration: none; font-weight: 600; display: inline-flex; align-items: center; min-height: 44px; padding: 0 8px; border-radius: 6px; }
.footer-links a:hover { background: var(--soft-2); }
.footer-disclaimer { max-width: 760px; }

/* ---------- Utility: hidden must always win (publish gates, affiliate notes) ---------- */
[hidden] { display: none !important; }

/* ---------- Section 6: Personal loans (visually distinct band) ---------- */
.loans-band {
  background: #fffbeb;                 /* warm amber tint, distinct from the cool advance section */
  border-top: 4px solid #b45309;       /* amber 700 */
  border-bottom: 1px solid #fde68a;
}
.loans-band .section-eyebrow {
  display: inline-block; font-size: .78rem; font-weight: 800; letter-spacing: .08em;
  text-transform: uppercase; color: #92400e; margin-bottom: 10px;
}
.loan-label {
  display: inline-block; font-size: .75rem; font-weight: 800; letter-spacing: .08em;
  text-transform: uppercase; padding: 4px 10px; border-radius: 999px;
  background: #92400e; color: #fff;    /* 7.6:1 */
}
.loan-card { border-color: #fcd34d; }
.apr-callout {
  margin: 12px 0 4px; padding: 12px 14px; border-radius: var(--radius-sm);
  background: #fff7ed; border: 1px solid #fdba74;
}
.apr-callout .apr-label { display: block; font-size: .78rem; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: #9a3412; }
.apr-callout .apr-value { display: block; font-size: 1.45rem; font-weight: 800; color: var(--ink); line-height: 1.25; }
.apr-callout .apr-note { display: block; font-size: .85rem; color: var(--muted); margin-top: 2px; }
.loans-band .compare-table tr { border-color: #fcd34d; }
@media (min-width: 960px) {
  .loans-band .compare-table { border-color: #fcd34d; }
  .loans-band .compare-table thead th { background: #fef3c7; color: #78350f; }
  .loans-band .compare-table td.td-apr { font-weight: 800; color: var(--ink); }
}
.compare-table td.td-apr { font-weight: 800; }

/* ---------- FTC / regulatory note on a card ---------- */
.reg-note {
  font-size: .88rem; border-left: 3px solid var(--ink); background: var(--soft);
  padding: 8px 12px; margin: 0 0 14px; color: var(--text);
}
.brand-line { font-weight: 700; color: var(--ink); margin-bottom: 10px; }