/* ===== LOANSPOT.CO.ZA - ADVANCED CSS (v3) ===== */
:root {
    --bg: #060A13;
    --bg-secondary: #0C1220;
    --bg-card: #111A2E;
    --bg-card-hover: #162038;
    --bg-elevated: #1A2540;
    --fg: #F1F5F9;
    --fg-muted: #94A3B8;
    --fg-dim: #64748B;
    --accent: #10B981;
    --accent-glow: rgba(16,185,129,0.25);
    --accent-hover: #34D399;
    --accent-dark: #059669;
    --gold: #F59E0B;
    --gold-glow: rgba(245,158,11,0.25);
    --danger: #EF4444;
    --danger-glow: rgba(239,68,68,0.2);
    --warning: #F97316;
    --info: #3B82F6;
    --border: rgba(255,255,255,0.07);
    --border-accent: rgba(16,185,129,0.25);
    --radius: 14px;
    --radius-lg: 22px;
    --radius-sm: 8px;
    --radius-xs: 4px;
    --shadow: 0 4px 24px rgba(0,0,0,0.3);
    --shadow-lg: 0 12px 48px rgba(0,0,0,0.5);
    --shadow-accent: 0 0 30px var(--accent-glow);
    --transition: 0.3s cubic-bezier(0.4,0,0.2,1);
    --font-body: 'Inter', system-ui, -apple-system, sans-serif;
    --font-display: 'Inter', system-ui, sans-serif;
    --gradient-accent: linear-gradient(135deg, #10B981, #34D399);
    --gradient-gold: linear-gradient(135deg, #F59E0B, #FBBF24);
    --gradient-hero: linear-gradient(180deg, rgba(16,185,129,0.08) 0%, transparent 60%);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
    font-family: var(--font-body);
    background: var(--bg);
    color: var(--fg);
    line-height: 1.65;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    overflow-x: hidden;
}
a { color: var(--accent); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--accent-hover); }
img { max-width: 100%; display: block; }
::selection { background: var(--accent); color: #000; }
::-webkit-scrollbar { width: 8px; }
::-webkit-scrollbar-track { background: var(--bg-secondary); }
::-webkit-scrollbar-thumb { background: var(--fg-dim); border-radius: 4px; }
::-webkit-scrollbar-thumb:hover { background: var(--fg-muted); }

/* ===== UTILITY ===== */
.container { max-width: 1280px; margin: 0 auto; padding: 0 24px; }
.section { padding: 64px 0; } /* Reduced from 80px */
.text-center { text-align: center; }
.text-accent { color: var(--accent); }
.text-gold { color: var(--gold); }
.text-muted { color: var(--fg-muted); }
.text-danger { color: var(--danger); }
.highlight { color: var(--accent); }

/* ===== BADGES ===== */
.badge {
    display: inline-flex; align-items: center; gap: 4px;
    padding: 4px 12px; border-radius: 50px; font-size: 0.72rem; font-weight: 700;
    letter-spacing: 0.6px; text-transform: uppercase; white-space: nowrap;
}
.badge-green { background: rgba(16,185,129,0.12); color: #34D399; border: 1px solid rgba(16,185,129,0.25); }
.badge-red { background: rgba(239,68,68,0.12); color: #F87171; border: 1px solid rgba(239,68,68,0.25); }
.badge-gold { background: rgba(245,158,11,0.12); color: #FBBF24; border: 1px solid rgba(245,158,11,0.25); }
.badge-blue { background: rgba(59,130,246,0.12); color: #60A5FA; border: 1px solid rgba(59,130,246,0.25); }

/* ===== NCR BADGE ===== */
.ncr-badge {
    display: inline-flex; align-items: center; gap: 10px;
    padding: 8px 16px; border-radius: var(--radius-sm);
}
.ncr-badge-verified { background: rgba(16,185,129,0.08); border: 1px solid rgba(16,185,129,0.2); }
.ncr-badge-lapsed { background: rgba(245,158,11,0.08); border: 1px solid rgba(245,158,11,0.2); }
.ncr-badge-cancelled { background: rgba(239,68,68,0.08); border: 1px solid rgba(239,68,68,0.2); }
.ncr-badge-unknown { background: rgba(100,116,139,0.08); border: 1px solid rgba(100,116,139,0.2); }
.ncr-badge-icon {
    width: 56px; height: 56px; border-radius: 50%; display: flex; align-items: center;
    justify-content: center; font-size: 1.5rem;
}
.ncr-badge-lapsed .ncr-badge-icon { background: rgba(245,158,11,0.15); color: #FBBF24; }
.ncr-badge-cancelled .ncr-badge-icon { background: rgba(239,68,68,0.15); color: #F87171; }
.ncr-badge-unknown .ncr-badge-icon { background: rgba(100,116,139,0.15); color: #94A3B8; }
.ncr-badge-text { display: flex; flex-direction: column; }
.ncr-badge-text strong { font-size: 0.8rem; letter-spacing: 1px; }
.ncr-badge-verified .ncr-badge-text strong { color: #34D399; }
.ncr-badge-lapsed .ncr-badge-text strong { color: #FBBF24; }
.ncr-badge-cancelled .ncr-badge-text strong { color: #F87171; }
.ncr-badge-text span { font-size: 0.72rem; color: var(--fg-dim); }
.ncr-seal {
    position: absolute; top: -8px; right: -8px; z-index: 2;
}
.ncr-seal img {
    width: 72px; height: auto; filter: drop-shadow(0 2px 8px rgba(16,185,129,0.4));
}

/* ===== BUTTONS ===== */
.btn {
    display: inline-flex; align-items: center; justify-content: center; gap: 8px;
    padding: 12px 28px; border-radius: var(--radius-sm); font-weight: 600; font-size: 0.95rem;
    border: none; cursor: pointer; transition: all var(--transition);
    font-family: var(--font-body); text-decoration: none; line-height: 1.4;
    position: relative; overflow: hidden;
}
.btn::after {
    content: ''; position: absolute; inset: 0; opacity: 0;
    background: linear-gradient(rgba(255,255,255,0.1), transparent);
    transition: opacity var(--transition);
}
.btn:hover::after { opacity: 1; }
.btn-primary {
    background: var(--gradient-accent); color: #000; font-weight: 700;
    box-shadow: 0 0 20px var(--accent-glow);
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 0 30px var(--accent-glow), 0 8px 24px rgba(0,0,0,0.3); color: #000; }
.btn-outline { background: transparent; color: var(--accent); border: 2px solid rgba(16,185,129,0.4); }
.btn-outline:hover { background: var(--accent); color: #000; border-color: var(--accent); }
.btn-gold { background: var(--gradient-gold); color: #000; font-weight: 700; box-shadow: 0 0 20px var(--gold-glow); }
.btn-gold:hover { transform: translateY(-2px); color: #000; }
.btn-danger { background: var(--danger); color: #fff; }
.btn-danger:hover { background: #DC2626; }
.btn-ghost { background: rgba(255,255,255,0.05); color: var(--fg-muted); border: 1px solid var(--border); }
.btn-ghost:hover { background: rgba(255,255,255,0.1); color: var(--fg); }
.btn-sm { padding: 8px 18px; font-size: 0.85rem; border-radius: 6px; }
.btn-lg { padding: 16px 40px; font-size: 1.05rem; }
.btn-xl { padding: 20px 48px; font-size: 1.15rem; border-radius: var(--radius); }
.btn-block { width: 100%; }
.btn-group { display: flex; gap: 12px; flex-wrap: wrap; }

/* ===== NAVIGATION ===== */
.navbar {
    position: fixed; top: 0; left: 0; right: 0; z-index: 9999;
    background: rgba(6,10,19,0.85); backdrop-filter: blur(24px) saturate(180%);
    border-bottom: 1px solid var(--border); transition: all var(--transition);
}
.navbar.scrolled { background: rgba(6,10,19,0.95); box-shadow: 0 4px 30px rgba(0,0,0,0.3); }
.navbar-inner {
    display: flex; align-items: center; justify-content: space-between;
    height: 72px; max-width: 1280px; margin: 0 auto; padding: 0 24px;
}
.navbar-brand {
    font-weight: 800; font-size: 1.35rem; color: var(--fg); text-decoration: none;
    display: flex; align-items: center; gap: 10px;
}
.navbar-brand span { color: var(--accent); }
.navbar-brand .brand-dot {
    width: 10px; height: 10px; background: var(--accent); border-radius: 50%;
    box-shadow: 0 0 12px var(--accent-glow); animation: pulse-dot 2s infinite;
}
@keyframes pulse-dot { 0%,100% { opacity: 1; transform: scale(1); } 50% { opacity: 0.6; transform: scale(0.8); } }
.navbar-menu { display: flex; align-items: center; gap: 4px; }
.navbar-link {
    padding: 8px 16px; border-radius: var(--radius-sm); color: var(--fg-muted);
    font-weight: 500; font-size: 0.9rem; transition: all var(--transition); white-space: nowrap;
}
.navbar-link:hover { color: var(--fg); background: rgba(255,255,255,0.05); }
.navbar-link.active { color: var(--accent); background: rgba(16,185,129,0.08); }
.navbar-toggle {
    display: none; background: none; border: none; color: var(--fg);
    font-size: 1.5rem; cursor: pointer; padding: 8px;
}

/* ===== HERO ===== */
.hero {
    position: relative; z-index: 1; min-height: 92vh; display: flex; align-items: center;
    padding: 120px 0 80px; overflow: hidden;
}
.hero-bg {
    position: absolute; inset: 0; z-index: 0;
    background:
        radial-gradient(ellipse 70% 50% at 50% 0%, rgba(16,185,129,0.1) 0%, transparent 70%),
        radial-gradient(ellipse 50% 40% at 80% 20%, rgba(245,158,11,0.06) 0%, transparent 60%),
        radial-gradient(ellipse 40% 30% at 20% 80%, rgba(59,130,246,0.04) 0%, transparent 60%);
}
.hero-grid-bg {
    position: absolute; inset: 0; z-index: 0;
    background-image:
        linear-gradient(rgba(255,255,255,0.015) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,0.015) 1px, transparent 1px);
    background-size: 64px 64px;
    mask-image: radial-gradient(ellipse 80% 60% at 50% 40%, black 20%, transparent 70%);
}
.hero-content { position: relative; z-index: 1; max-width: 700px; }
.hero-badge {
    display: inline-flex; align-items: center; gap: 8px;
    padding: 8px 20px; border-radius: 50px; font-size: 0.82rem; font-weight: 600;
    background: rgba(16,185,129,0.08); border: 1px solid rgba(16,185,129,0.25); color: #34D399;
    margin-bottom: 24px;
}
.hero-badge i { animation: pulse-dot 2s infinite; }
.hero h1 {
    font-family: var(--font-display); font-size: clamp(2.6rem, 6vw, 4.8rem);
    font-weight: 900; line-height: 1.05; margin-bottom: 20px; letter-spacing: -1px;
    background: linear-gradient(160deg, #FFFFFF 0%, #94A3B8 100%);
    -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
}
.hero h1 .highlight {
    background: var(--gradient-accent);
    -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
}
.hero-desc { font-size: 1.15rem; color: var(--fg-muted); max-width: 540px; margin-bottom: 36px; line-height: 1.75; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 52px; }
.hero-stats { display: flex; gap: 48px; padding-top: 36px; border-top: 1px solid var(--border); }
.hero-stat-value { font-size: 2.2rem; font-weight: 900; color: var(--accent); line-height: 1; }
.hero-stat-label { font-size: 0.82rem; color: var(--fg-dim); margin-top: 4px; }

/* ===== FLASH MESSAGES ===== */
.flash-container { position: fixed; top: 80px; right: 24px; z-index: 9999; max-width: 420px; }
.flash {
    padding: 16px 24px; border-radius: var(--radius-sm); margin-bottom: 12px;
    display: flex; align-items: center; gap: 12px; font-weight: 500; font-size: 0.9rem;
    animation: slideInRight 0.4s ease; box-shadow: var(--shadow-lg);
}
@keyframes slideInRight { from { transform: translateX(100%); opacity: 0; } to { transform: translateX(0); opacity: 1; } }
.flash-success { background: rgba(16,185,129,0.15); border: 1px solid rgba(16,185,129,0.3); color: #34D399; }
.flash-error { background: rgba(239,68,68,0.15); border: 1px solid rgba(239,68,68,0.3); color: #F87171; }

/* ===== CARDS ===== */
.card {
    background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius);
    padding: 28px; transition: all var(--transition); position: relative; overflow: hidden;
}
.card::before {
    content: ''; position: absolute; top: 0; left: 0; right: 0; height: 2px;
    background: var(--gradient-accent); opacity: 0; transition: opacity var(--transition);
}
.card:hover { border-color: var(--border-accent); transform: translateY(-3px); box-shadow: var(--shadow); }
.card:hover::before { opacity: 1; }

/* ===== LISTING CARDS ===== */
.listing-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(370px, 1fr)); gap: 24px; }
.listing-card {
    background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius);
    overflow: hidden; transition: all var(--transition); display: flex; flex-direction: column;
    position: relative;
}
.listing-card:hover { border-color: var(--border-accent); transform: translateY(-4px); box-shadow: var(--shadow), var(--shadow-accent); }
.listing-card-header { padding: 20px 24px 0; display: flex; justify-content: space-between; align-items: flex-start; }
.listing-card-body { padding: 16px 24px; flex: 1; }
.listing-card-title { font-weight: 700; font-size: 1.05rem; margin-bottom: 12px; display: -webkit-box; -webkit-line-clamp: 2; -webkit-box-orient: vertical; overflow: hidden; }
.listing-card-meta { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.listing-meta-label { font-size: 0.72rem; color: var(--fg-dim); text-transform: uppercase; letter-spacing: 0.6px; margin-bottom: 2px; }
.listing-meta-value { font-weight: 700; font-size: 1rem; }
.listing-meta-value.accent { color: var(--accent); }
.listing-meta-value.gold { color: var(--gold); }
.listing-card-footer { padding: 16px 24px; border-top: 1px solid var(--border); display: flex; justify-content: space-between; align-items: center; }

/* ===== PROVIDER CARDS ===== */
.provider-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(340px, 1fr)); gap: 20px; }
.provider-card {
    background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius);
    overflow: hidden; transition: all var(--transition); position: relative;
}
.provider-card:hover { border-color: var(--border-accent); transform: translateY(-3px); box-shadow: var(--shadow); }
.provider-card-header { padding: 20px 20px 12px; display: flex; justify-content: space-between; align-items: flex-start; gap: 12px; }
.provider-card-body { padding: 0 20px 12px; }
.provider-card-footer { padding: 12px 20px 16px; display: flex; justify-content: space-between; align-items: center; border-top: 1px solid var(--border); }

/* ===== PROVIDER PROFILE ===== */
.provider-profile-header {
    display: flex; align-items: center; gap: 24px; margin-bottom: 32px;
    padding: 32px; background: var(--bg-card); border: 1px solid var(--border);
    border-radius: var(--radius-lg); position: relative; overflow: hidden;
}
.provider-profile-header::before {
    content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px;
    background: var(--gradient-accent);
}
.provider-profile-icon {
    width: 80px; height: 80px; border-radius: 16px; background: rgba(16,185,129,0.1);
    display: flex; align-items: center; justify-content: center; font-size: 2rem; color: var(--accent);
    flex-shrink: 0;
}
.provider-profile-info h1 { font-size: 1.6rem; font-weight: 800; margin-bottom: 4px; }
.provider-profile-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin-bottom: 32px; }
.provider-detail-list { display: flex; flex-direction: column; gap: 12px; }
.provider-detail-list > div { display: flex; justify-content: space-between; padding: 8px 0; border-bottom: 1px solid var(--border); font-size: 0.92rem; }
.provider-detail-list > div:last-child { border-bottom: none; }
.provider-detail-list strong { color: var(--fg-dim); font-weight: 500; }

/* Provider Details Grid */
.provider-details-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }

/* ===== BLOG ===== */
.blog-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(360px, 1fr)); gap: 28px; }
.blog-card {
    background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius);
    overflow: hidden; transition: all var(--transition); display: flex; flex-direction: column;
}
.blog-card:hover { border-color: var(--border-accent); transform: translateY(-4px); box-shadow: var(--shadow); }
.blog-card-image {
    height: 200px; background: linear-gradient(135deg, var(--bg-secondary), var(--bg-card));
    display: flex; align-items: center; justify-content: center; position: relative; overflow: hidden;
}
.blog-card-image i { font-size: 3rem; color: var(--fg-dim); opacity: 0.3; }
.blog-card-image .blog-cat-badge {
    position: absolute; top: 16px; left: 16px; padding: 4px 14px; border-radius: 50px;
    background: rgba(16,185,129,0.9); color: #000; font-size: 0.72rem; font-weight: 700;
    text-transform: uppercase; letter-spacing: 0.5px;
}
.blog-card-body { padding: 24px; flex: 1; display: flex; flex-direction: column; }
.blog-card-meta { display: flex; align-items: center; gap: 12px; margin-bottom: 12px; font-size: 0.8rem; color: var(--fg-dim); }
.blog-card-title { font-size: 1.15rem; font-weight: 700; margin-bottom: 8px; line-height: 1.4; }
.blog-card-title a { color: var(--fg); }
.blog-card-title a:hover { color: var(--accent); }
.blog-card-excerpt { font-size: 0.9rem; color: var(--fg-muted); line-height: 1.6; margin-bottom: 16px; flex: 1; }
.blog-card-footer { display: flex; justify-content: space-between; align-items: center; }

/* Blog Post Single */
.blog-post-content { max-width: 800px; margin: 0 auto; }
.blog-post-content h2 { font-size: 1.5rem; font-weight: 700; margin: 36px 0 16px; color: var(--fg); }
.blog-post-content h3 { font-size: 1.2rem; font-weight: 600; margin: 24px 0 12px; color: var(--fg); }
.blog-post-content p { color: var(--fg-muted); margin-bottom: 16px; line-height: 1.85; font-size: 1.02rem; }
.blog-post-content ul, .blog-post-content ol { color: var(--fg-muted); padding-left: 24px; margin-bottom: 16px; }
.blog-post-content li { margin-bottom: 8px; line-height: 1.75; }
.blog-post-content a { color: var(--accent); text-decoration: underline; text-underline-offset: 3px; }
.blog-post-content blockquote {
    border-left: 3px solid var(--accent); padding: 16px 24px; margin: 24px 0;
    background: rgba(16,185,129,0.05); border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
    font-style: italic; color: var(--fg-muted);
}
.blog-share { display: flex; gap: 10px; align-items: center; }
.blog-share-btn {
    width: 40px; height: 40px; border-radius: 50%; display: flex; align-items: center;
    justify-content: center; border: 1px solid var(--border); color: var(--fg-muted);
    transition: all var(--transition); font-size: 0.9rem; background: transparent; cursor: pointer;
}
.blog-share-btn:hover { border-color: var(--accent); color: var(--accent); background: rgba(16,185,129,0.05); }

/* ===== FORMS ===== */
.form-group { margin-bottom: 20px; }
.form-label { display: block; font-weight: 600; font-size: 0.88rem; margin-bottom: 6px; color: var(--fg); }
.form-label .required { color: var(--danger); margin-left: 2px; }
.form-input, .form-select, .form-textarea {
    width: 100%; padding: 12px 16px; background: rgba(255,255,255,0.04);
    border: 1px solid var(--border); border-radius: var(--radius-sm);
    color: var(--fg); font-size: 0.95rem; font-family: var(--font-body);
    transition: all var(--transition);
}
.form-input:focus, .form-select:focus, .form-textarea:focus {
    outline: none; border-color: var(--accent); box-shadow: 0 0 0 3px var(--accent-glow);
    background: rgba(255,255,255,0.06);
}
.form-input::placeholder, .form-textarea::placeholder { color: var(--fg-dim); }
.form-textarea { min-height: 120px; resize: vertical; }
.form-select {
    appearance: none; cursor: pointer;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' fill='%2394A3B8' viewBox='0 0 16 16'%3E%3Cpath d='M8 11L3 6h10z'/%3E%3C/svg%3E");
    background-repeat: no-repeat; background-position: right 14px center; padding-right: 40px;
}
.form-select option { background: var(--bg-secondary); color: var(--fg); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-section {
    background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius);
    padding: 28px; margin-bottom: 24px;
}
.form-section-title {
    font-size: 1.1rem; font-weight: 700; margin-bottom: 20px; padding-bottom: 12px;
    border-bottom: 1px solid var(--border); display: flex; align-items: center; gap: 10px;
}
.form-section-title i { color: var(--accent); }

/* ===== VERIFICATION RESULT ===== */
.verify-result {
    background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius-lg);
    padding: 40px; margin-top: 32px; position: relative; overflow: hidden;
}
.verify-result::before {
    content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px;
}
.verify-result.registered::before { background: var(--gradient-accent); }
.verify-result.lapsed::before { background: var(--gradient-gold); }
.verify-result.cancelled::before, .verify-result.not_found::before { background: linear-gradient(135deg, #EF4444, #F87171); }
.verify-result-icon {
    width: 80px; height: 80px; border-radius: 50%; display: flex; align-items: center;
    justify-content: center; font-size: 2.2rem; margin: 0 auto 20px;
}
.verify-result-icon.registered { background: rgba(16,185,129,0.12); color: #34D399; box-shadow: 0 0 40px rgba(16,185,129,0.2); }
.verify-result-icon.lapsed { background: rgba(245,158,11,0.12); color: #FBBF24; }
.verify-result-icon.cancelled, .verify-result-icon.not_found { background: rgba(239,68,68,0.12); color: #F87171; }
.verify-detail-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 24px; }
.verify-detail-item { padding: 14px 18px; background: rgba(255,255,255,0.02); border-radius: var(--radius-sm); border: 1px solid var(--border); }
.verify-detail-label { font-size: 0.72rem; color: var(--fg-dim); text-transform: uppercase; letter-spacing: 0.5px; }
.verify-detail-value { font-weight: 600; margin-top: 2px; }

/* ===== SECTION TITLES ===== */
.section-badge {
    display: inline-flex; align-items: center; gap: 6px;
    padding: 6px 16px; border-radius: 50px; font-size: 0.75rem; font-weight: 700;
    background: rgba(16,185,129,0.08); border: 1px solid rgba(16,185,129,0.2); color: var(--accent);
    margin-bottom: 12px; text-transform: uppercase; letter-spacing: 1px;
}
.section-title { font-family: var(--font-display); font-size: clamp(1.8rem, 4vw, 2.8rem); font-weight: 900; margin-bottom: 12px; line-height: 1.15; letter-spacing: -0.5px; }
.section-desc { font-size: 1.05rem; color: var(--fg-muted); max-width: 560px; line-height: 1.7; }

/* ===== TRUST BAR ===== */
.trust-bar { background: var(--bg-secondary); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); padding: 20px 0; }
.trust-items { display: flex; justify-content: center; flex-wrap: wrap; gap: 32px; }
.trust-item { display: flex; align-items: center; gap: 10px; font-size: 0.88rem; color: var(--fg-muted); }
.trust-item i { color: var(--accent); font-size: 1rem; }

/* ===== INFO BOX ===== */
.info-box {
    background: rgba(59,130,246,0.06); border: 1px solid rgba(59,130,246,0.15);
    border-radius: var(--radius); padding: 20px 24px; margin: 20px 0;
    display: flex; gap: 14px; align-items: flex-start; line-height: 1.7;
}
.info-box i { margin-top: 3px; flex-shrink: 0; }
.info-box.info i { color: #60A5FA; }
.info-box.warning { background: rgba(245,158,11,0.06); border-color: rgba(245,158,11,0.15); }
.info-box.warning i { color: #FBBF24; }
.info-box.danger { background: rgba(239,68,68,0.06); border-color: rgba(239,68,68,0.15); }
.info-box.danger i { color: #F87171; }
.info-box.success { background: rgba(16,185,129,0.06); border-color: rgba(16,185,129,0.15); }
.info-box.success i { color: #34D399; }

/* ===== NCR CHECKER BOX ===== */
.ncr-checker-box {
    background: var(--bg-card); border: 2px solid var(--border-accent);
    border-radius: var(--radius-lg); padding: 40px; max-width: 620px; margin: 0 auto;
    position: relative; overflow: hidden;
}
.ncr-checker-box::before {
    content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px;
    background: var(--gradient-accent);
}
.ncr-checker-box::after {
    content: ''; position: absolute; bottom: -50%; right: -20%; width: 300px; height: 300px;
    background: radial-gradient(circle, rgba(16,185,129,0.05) 0%, transparent 70%);
    border-radius: 50%;
}

/* ===== BREADCRUMBS ===== */
.breadcrumbs { margin-bottom: 20px; }
.breadcrumbs ol { display: flex; align-items: center; gap: 8px; list-style: none; font-size: 0.85rem; }
.breadcrumbs li { color: var(--fg-dim); }
.breadcrumbs li a { color: var(--fg-muted); }
.breadcrumbs li a:hover { color: var(--accent); }
.breadcrumbs li + li::before { content: '›'; margin-right: 8px; color: var(--fg-dim); }
.breadcrumbs li[aria-current="page"] { color: var(--accent); }

/* ===== FILTER BAR ===== */
.filter-bar {
    display: flex; gap: 12px; flex-wrap: wrap; align-items: center;
    margin-bottom: 32px; padding: 20px; background: var(--bg-card);
    border: 1px solid var(--border); border-radius: var(--radius);
}
.filter-bar .form-input, .filter-bar .form-select { width: auto; min-width: 160px; }
.filter-bar .form-input { flex: 1; min-width: 200px; }

/* ===== CALCULATOR ===== */
.calc-container {
    max-width: 900px; margin: 0 auto; display: grid; grid-template-columns: 1fr 1fr; gap: 32px;
}
.calc-input-panel { background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius); padding: 32px; }
.calc-result-panel { background: var(--bg-card); border: 1px solid var(--border-accent); border-radius: var(--radius); padding: 32px; position: relative; overflow: hidden; }
.calc-result-panel::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: var(--gradient-accent); }
.calc-result-item { text-align: center; padding: 20px; border-radius: var(--radius-sm); background: rgba(255,255,255,0.02); margin-bottom: 16px; border: 1px solid var(--border); }
.calc-result-value { font-size: 2.2rem; font-weight: 900; color: var(--accent); }
.calc-result-label { font-size: 0.82rem; color: var(--fg-dim); margin-top: 4px; text-transform: uppercase; letter-spacing: 0.5px; }
.calc-slider { width: 100%; -webkit-appearance: none; height: 6px; border-radius: 3px; background: var(--border); outline: none; margin: 12px 0; }
.calc-slider::-webkit-slider-thumb { -webkit-appearance: none; width: 22px; height: 22px; border-radius: 50%; background: var(--accent); cursor: pointer; box-shadow: 0 0 12px var(--accent-glow); }
.calc-slider::-moz-range-thumb { width: 22px; height: 22px; border-radius: 50%; background: var(--accent); cursor: pointer; border: none; }
.amort-table { width: 100%; border-collapse: collapse; font-size: 0.85rem; margin-top: 20px; }
.amort-table th { padding: 10px 12px; text-align: left; background: rgba(255,255,255,0.02); color: var(--fg-dim); font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.5px; border-bottom: 1px solid var(--border); }
.amort-table td { padding: 10px 12px; border-bottom: 1px solid var(--border); color: var(--fg-muted); }

/* ===== STAR RATINGS ===== */
.star-rating { display: inline-flex; gap: 2px; }
.star-rating-sm { font-size: 0.8rem; }
.star-rating-md { font-size: 1rem; }
.star-rating-lg { font-size: 1.3rem; }
.star-rating .fas { color: var(--gold); }
.star-rating .far { color: var(--fg-dim); }
.star-rating .fas.fa-star-half-alt { color: var(--gold); }

/* ===== FOOTER ===== */
.footer { background: var(--bg-secondary); border-top: 1px solid var(--border); padding: 60px 0 24px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 40px; }
.footer-brand { font-size: 1.3rem; font-weight: 800; margin-bottom: 12px; }
.footer-brand span { color: var(--accent); }
.footer-desc { font-size: 0.9rem; color: var(--fg-muted); line-height: 1.7; margin-bottom: 20px; }
.footer-social { display: flex; gap: 10px; }
.social-icon {
    width: 40px; height: 40px; border-radius: 50%; display: flex; align-items: center;
    justify-content: center; background: rgba(255,255,255,0.05); border: 1px solid var(--border);
    color: var(--fg-muted); transition: all var(--transition);
}
.social-icon:hover { background: var(--accent); color: #000; border-color: var(--accent); }
.footer-title { font-weight: 700; font-size: 0.88rem; margin-bottom: 16px; text-transform: uppercase; letter-spacing: 1px; }
.footer-links { list-style: none; }
.footer-links li { margin-bottom: 10px; }
.footer-links a { color: var(--fg-muted); font-size: 0.88rem; transition: color var(--transition); }
.footer-links a:hover { color: var(--accent); }
.footer-bottom {
    padding-top: 24px; border-top: 1px solid var(--border);
    display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 16px;
}
.footer-bottom p { font-size: 0.8rem; color: var(--fg-dim); }
.footer-legal { font-size: 0.75rem; color: var(--fg-dim); max-width: 800px; line-height: 1.65; margin-top: 16px; }

/* ===== LEGAL PAGE ===== */
.legal-content { max-width: 800px; margin: 0 auto; }
.legal-content h2 { font-family: var(--font-display); font-size: 1.4rem; font-weight: 700; margin: 36px 0 12px; }
.legal-content h3 { font-size: 1.1rem; margin: 24px 0 8px; }
.legal-content p { color: var(--fg-muted); margin-bottom: 12px; line-height: 1.8; }
.legal-content ul, .legal-content ol { color: var(--fg-muted); padding-left: 24px; margin-bottom: 12px; }
.legal-content li { margin-bottom: 6px; line-height: 1.7; }

/* ===== PAGE HEADER ===== */
.page-header {
    padding: 110px 0 50px; /* Reduced from 140px 60px */
    text-align: center;
    background: var(--gradient-hero); border-bottom: 1px solid var(--border);
}
.page-header h1 { font-family: var(--font-display); font-size: clamp(2rem, 4vw, 3rem); font-weight: 900; margin-bottom: 12px; }
.page-header p { font-size: 1.1rem; color: var(--fg-muted); max-width: 600px; margin: 0 auto; }

/* ===== BACK LINK ===== */
.back-link { display: inline-flex; align-items: center; gap: 6px; font-size: 0.9rem; color: var(--fg-muted); margin-bottom: 20px; }
.back-link:hover { color: var(--accent); }

/* ===== NEWSLETTER ===== */
.newsletter-section {
    background: var(--bg-card); border: 1px solid var(--border-accent); border-radius: var(--radius-lg);
    padding: 48px; text-align: center; position: relative; overflow: hidden;
}
.newsletter-section::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: var(--gradient-accent); }
.newsletter-form { display: flex; gap: 12px; max-width: 500px; margin: 24px auto 0; }
.newsletter-form .form-input { flex: 1; }

/* ===== BACK TO TOP ===== */
.back-to-top {
    position: fixed; bottom: 24px; right: 24px; width: 48px; height: 48px;
    border-radius: 50%; background: var(--accent); color: #000; border: none;
    cursor: pointer; display: none; align-items: center; justify-content: center;
    font-size: 1.2rem; box-shadow: var(--shadow-accent); z-index: 999;
    transition: all var(--transition);
}
.back-to-top.visible { display: flex; }
.back-to-top:hover { transform: translateY(-3px); }

/* ===== RESPONSIVE ===== */
/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
    .footer-grid { grid-template-columns: 1fr 1fr; }
    .calc-container { grid-template-columns: 1fr; }
    .provider-profile-grid { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
    /* Navigation */
    .navbar-menu { 
        display: none; position: fixed; top: 72px; left: 0; right: 0; 
        height: calc(100vh - 72px); /* FIX: Replaces bottom: 0 to prevent collapse */
        background: var(--bg-secondary); border-bottom: 1px solid var(--border); 
        flex-direction: column; padding: 24px 16px; gap: 4px; overflow-y: auto;
        z-index: 1050; 
    }
    .navbar-menu.active { display: flex; }
    .navbar-toggle { display: block; }
    .navbar-link { padding: 12px 16px; font-size: 1rem; }
    .nav-dropdown-menu { 
        position: static; transform: none; opacity: 1; visibility: visible; 
        box-shadow: none; border-radius: 8px; background: rgba(255,255,255,0.03); 
        margin: 4px 0 8px 0; display: none; padding: 8px 0; min-width: 100%; 
    }
    .nav-dropdown-menu::after { display: none; }
    .nav-dropdown.active .nav-dropdown-menu { display: block; }
    
    /* Hero & Headers */
    .hero { min-height: auto; padding: 90px 0 50px; }
    .hero h1 { font-size: 2.2rem; }
    .hero-desc { font-size: 1rem; }
    .hero-actions { flex-direction: column; width: 100%; }
    .hero-actions .btn { width: 100%; justify-content: center; }
    .hero-stats { flex-direction: row; flex-wrap: wrap; justify-content: center; gap: 24px; width: 100%; }
    .page-header { padding: 90px 0 30px; }
    .page-header h1 { font-size: 1.8rem; }
    
    /* Sections & Spacing */
    .section { padding: 40px 0; }
    .card { padding: 20px; }
    
    /* Grids & Stacking */
    .listing-grid, .blog-grid, .provider-grid { grid-template-columns: 1fr; }
    .form-row { grid-template-columns: 1fr; }
    .verify-detail-grid { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr; gap: 32px; }
    .provider-details-grid { grid-template-columns: 1fr !important; }
    
    /* Provider Profile */
    .provider-profile-header { flex-direction: column; text-align: center; gap: 16px; padding: 24px; }
    .provider-profile-icon { margin: 0 auto; }
    .provider-profile-info h1 { font-size: 1.4rem; }
    
    /* Filter Bar */
    .filter-bar { flex-direction: column; padding: 16px; }
    .filter-bar .form-input, .filter-bar .form-select, .filter-bar .btn { width: 100% !important; min-width: 0; }
    
    /* NCR Checker & Calculator */
    .ncr-checker-box { padding: 24px 16px; }
    .calc-result-value { font-size: 1.8rem; }
    
    /* Footer */
    .footer-bottom { flex-direction: column; text-align: center; gap: 8px; }
    
    /* ===== PROVIDER HEADER MOBILE FIX ===== */
    .page-header .container > div[style*="flex"] {
        flex-direction: column;
        align-items: flex-start !important; 
        text-align: left;
    }
    
    /* Put the Name/Details block FIRST (above the badge) */
    .page-header .container > div[style*="flex"] > div {
        width: 100%;
        order: 1; 
    }
    
    /* Put the NCR Badge SECOND (below the name) */
    .page-header .container > div[style*="flex"] > .ncr-badge {
        order: 2;
        margin-top: 8px;
    }
    
    .page-header .container > div[style*="flex"] h1 {
        text-align: left;
    }

    /* ===== NCR BADGE MOBILE FIX ===== */
    .ncr-badge {
        padding: 8px 14px;
        gap: 10px;
        width: 100%; 
    }
    .ncr-badge-icon {
        width: 42px;
        height: 42px;
        font-size: 1.2rem;
    }
    .ncr-badge-text strong { font-size: 0.75rem; }
    .ncr-badge-text span { font-size: 0.68rem; }
}

@media (max-width: 480px) {
    .container { padding: 0 16px; }
    .section { padding: 32px 0; }
    .hero { padding: 85px 0 40px; }
    .hero h1 { font-size: 1.9rem; letter-spacing: -0.5px; }
    .hero-stat-value { font-size: 1.5rem; }
    
    .page-header { padding: 85px 0 24px; }
    .page-header h1 { font-size: 1.5rem; }
    .page-header p { font-size: 0.95rem; }
    
    .section-title { font-size: 1.5rem; }
    .btn-lg { padding: 14px 28px; font-size: 0.95rem; }
    .btn-xl { padding: 16px 32px; font-size: 1rem; }
    
    /* Cards & Listings */
    .listing-card-header, .listing-card-body, .listing-card-footer { padding: 12px 16px; }
    .provider-card-header, .provider-card-body, .provider-card-footer { padding: 12px 16px; }
    
    /* Breadcrumbs */
    .breadcrumbs ol { font-size: 0.78rem; flex-wrap: wrap; }
    
    /* Cookie Banner */
    .cookie-banner.active { flex-direction: column; text-align: center; gap: 12px; padding: 16px; }
    .cookie-banner p { font-size: 0.82rem; margin: 0; }
    
    /* Trust bar */
    .trust-items { gap: 16px; justify-content: flex-start; overflow-x: auto; flex-wrap: nowrap; padding-bottom: 8px; }
    .trust-item { font-size: 0.78rem; white-space: nowrap; }
    
    /* ===== NCR BADGE TINY SCREEN FIX ===== */
    .ncr-badge-icon {
        width: 36px;
        height: 36px;
        font-size: 1rem;
    }
}

/* ===== ANIMATIONS ===== */
@keyframes fadeInUp { from { opacity: 0; transform: translateY(24px); } to { opacity: 1; transform: translateY(0); } }
@keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }
@keyframes scaleIn { from { opacity: 0; transform: scale(0.95); } to { opacity: 1; transform: scale(1); } }
@keyframes shimmer { 0% { background-position: -200% 0; } 100% { background-position: 200% 0; } }
.animate-up { animation: fadeInUp 0.5s ease forwards; }
.animate-in { animation: fadeIn 0.4s ease forwards; }
.animate-scale { animation: scaleIn 0.4s ease forwards; }

/* ===== SKELETON LOADING ===== */
.skeleton {
    background: linear-gradient(90deg, var(--bg-card) 25%, var(--bg-elevated) 50%, var(--bg-card) 75%);
    background-size: 200% 100%; animation: shimmer 1.5s infinite; border-radius: var(--radius-sm);
}

/* ===== COOKIE BANNER ===== */
.cookie-banner {
    position: fixed; bottom: 0; left: 0; right: 0; z-index: 9999;
    background: var(--bg-elevated); border-top: 1px solid var(--border);
    padding: 20px; display: none; backdrop-filter: blur(12px);
}
.cookie-banner.active { display: flex; align-items: center; justify-content: center; gap: 20px; flex-wrap: wrap; }
.cookie-banner p { font-size: 0.88rem; color: var(--fg-muted); }

/* ===== TABS ===== */
.tabs { display: flex; gap: 4px; border-bottom: 1px solid var(--border); margin-bottom: 24px; overflow-x: auto; }
.tab-btn {
    padding: 12px 20px; background: transparent; border: none; color: var(--fg-muted);
    font-weight: 600; font-size: 0.9rem; cursor: pointer; border-bottom: 2px solid transparent;
    transition: all var(--transition); font-family: var(--font-body); white-space: nowrap;
}
.tab-btn:hover { color: var(--fg); }
.tab-btn.active { color: var(--accent); border-bottom-color: var(--accent); }
.tab-content { display: none; }
.tab-content.active { display: block; }

/* ===== CATEGORY GRID (FIX) ===== */
.category-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
    gap: 16px;
}
.category-card {
    background: var(--bg-card);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 24px 16px;
    text-align: center;
    cursor: pointer;
    transition: all var(--transition);
    display: block;
    text-decoration: none;
    color: var(--fg);
    position: relative;
    overflow: hidden;
}
.category-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 2px;
    background: var(--gradient-accent);
    opacity: 0;
    transition: opacity var(--transition);
}
.category-card:hover {
    border-color: var(--border-accent);
    transform: translateY(-4px);
    box-shadow: var(--shadow), 0 0 20px var(--accent-glow);
    color: var(--fg);
    text-decoration: none;
}
.category-card:hover::before {
    opacity: 1;
}
.category-card i {
    font-size: 2rem;
    color: var(--accent);
    margin-bottom: 12px;
    display: block;
    transition: transform var(--transition);
}
.category-card:hover i {
    transform: scale(1.15);
}
.category-card h3 {
    font-size: 0.9rem;
    font-weight: 700;
    margin-bottom: 4px;
}
.category-card p {
    font-size: 0.78rem;
    color: var(--fg-dim);
    line-height: 1.5;
    display: none; /* Hide description on small grids to save space */
}
@media (min-width: 768px) {
    .category-card p { display: block; }
    .category-grid { grid-template-columns: repeat(auto-fill, minmax(220px, 1fr)); }
}

.navbar-brand {
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--fg);
    text-decoration: none;
    display: flex;
    align-items: center;
    gap: 2px;
    letter-spacing: -0.5px;
}
.navbar-brand span {
    color: var(--accent);
}

.brand-dot {
    width: 10px;
    height: 10px;
    background: var(--accent);
    border-radius: 50%;
    box-shadow: 0 0 12px var(--accent-glow);
    animation: pulse-dot 2s infinite;
    margin-left: 2px;
    flex-shrink: 0;
}
@keyframes pulse-dot {
    0%, 100% { opacity: 1; transform: scale(1); }
    50% { opacity: 0.6; transform: scale(0.85); }
}


@media (max-width: 768px) {
    .provider-details-grid { grid-template-columns: 1fr !important; }
}