/* ============================================================
   Private Student Loan Assist (privatestudentloanassist.com)
   Design system: indigo + gold, off-white ground, off-black ink.
   Single-family type system (Plus Jakarta Sans, weights 400-800),
   loaded via Google Fonts, matching the reference look at
   /Users/macbookm2/Desktop/PSLservices.com/index.html: headings
   at weight 800 read noticeably bigger/bolder than the same
   declared font-size in a narrower-x-height face. Sharp 8px
   radius, fill-weight Phosphor icons. Adds a multi-page nav
   (Home / How It Works) plus a dedicated Apply page and
   step-timeline component not present on the sister sites.
   ============================================================ */

/* ---------- Tokens ---------- */
:root {
  --bg: #faf9fd;
  --surface: #fdfcff;
  --surface-sunken: #f1eff8;
  --ink: #1e1b34;
  --ink-muted: #55506e;
  --ink-faint: #8b86a1;
  --border: #e3e0ef;
  --border-strong: #c7c2dc;

  --accent: #4338ca;
  --accent-strong: #362da0;
  --accent-soft: #ebe9fb;
  --accent-soft-border: #cfc9f2;
  --accent-ink: #2b2277;

  /* Second accent (gold) used deliberately, not decoratively everywhere:
     the wordmark, the FAQ/callout highlights, and the bento photo tint.
     --accent-2 itself is reserved for large fills/borders/icons; small
     text and body copy use the darker --accent-2-text/--accent-2-ink so
     contrast on the off-white ground stays AA-safe. */
  --accent-2: #c9972e;
  --accent-2-text: #8a6417;
  --accent-2-soft: #faf1dc;
  --accent-2-soft-border: #eeddb0;
  --accent-2-ink: #3d2b09;

  --ink-band: #1c1a3a;
  --ink-band-text: #f4f2fb;
  --ink-band-muted: #b0aad0;

  --danger: #a13a3a;
  --danger-soft: #fbebea;

  --radius: 8px;
  --radius-sm: 6px;
  --radius-lg: 14px;
  --radius-pill: 8px;

  --shadow-sm: 0 1px 2px rgba(30, 27, 52, 0.08), 0 1px 1px rgba(30, 27, 52, 0.05);
  --shadow-md: 0 12px 28px -14px rgba(30, 27, 52, 0.24);
  --shadow-lg: 0 22px 52px -18px rgba(30, 27, 52, 0.32);

  --ease: cubic-bezier(0.16, 1, 0.3, 1);
  --container: 1180px;

  color-scheme: light;
}

/* ---------- Reset ---------- */
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: no-preference) {
  html { scroll-behavior: smooth; }
}
body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: "Plus Jakarta Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img { max-width: 100%; display: block; }
a { color: inherit; }
button { font-family: inherit; }
h1, h2, h3, h4, p, ul, ol, dl { margin: 0; }
h1, h2, h3, h4 {
  font-family: "Plus Jakarta Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}
ul { padding: 0; list-style: none; }
input, select, textarea, button { font: inherit; color: inherit; }

.wrap {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding-left: 24px;
  padding-right: 24px;
}
@media (max-width: 640px) {
  .wrap { padding-left: 20px; padding-right: 20px; }
}

.visually-hidden {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border: 0;
}

/* ---------- Type ---------- */
.section-head { max-width: 640px; }
.section-head h2 {
  font-size: clamp(1.7rem, 1.35rem + 1.4vw, 2.4rem);
  font-weight: 800;
  letter-spacing: -0.01em;
  line-height: 1.14;
  color: var(--ink);
}
.section-head p {
  margin-top: 14px;
  font-size: 1.0625rem;
  color: var(--ink-muted);
  line-height: 1.6;
  max-width: 62ch;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  white-space: nowrap;
  border-radius: var(--radius);
  font-weight: 700;
  font-size: 0.98rem;
  padding: 14px 26px;
  border: 1px solid transparent;
  cursor: pointer;
  transition: transform 0.18s var(--ease), background-color 0.18s var(--ease), box-shadow 0.18s var(--ease), border-color 0.18s var(--ease);
  text-decoration: none;
}
.btn:active { transform: scale(0.98); }
.btn-primary {
  background: var(--accent);
  color: var(--ink-band-text);
  box-shadow: var(--shadow-sm);
}
.btn-primary:hover { background: var(--accent-strong); box-shadow: var(--shadow-md); }
.btn-primary:active { transform: translateY(1px) scale(0.98); }

.btn-ghost {
  background: transparent;
  color: var(--ink);
  border-color: var(--border-strong);
}
.btn-ghost:hover { background: var(--surface-sunken); }

.btn-on-dark {
  background: var(--accent-2);
  color: var(--accent-2-ink);
}
.btn-on-dark:hover { background: #ddab45; }

.btn-block { width: 100%; }
.btn[disabled] { opacity: 0.5; cursor: not-allowed; }

.btn-icon-right i { transition: transform 0.18s var(--ease); }
.btn:hover .btn-icon-right i { transform: translateX(3px); }

/* ---------- Trust row ---------- */
.trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 22px;
  margin-top: 18px;
}
.trust-row li {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--ink-muted);
}
.trust-row i { font-size: 1rem; color: var(--accent); }

/* ---------- Hero trust badges (BBB + review rating) ---------- */
.hero-trust-badges {
  display: flex; align-items: center; gap: 18px; flex-wrap: wrap;
  margin-top: 20px; padding-top: 20px; border-top: 1px solid var(--border);
}
.hero-bbb { display: flex; align-items: center; gap: 9px; }
.hero-bbb i { font-size: 26px; color: var(--accent); }
.hero-bbb span { font-size: 0.875rem; font-weight: 600; color: var(--ink-muted); }
.hero-bbb strong { font-size: 1.1rem; font-weight: 800; color: var(--ink); margin-right: 4px; }
.hero-rating-img { height: 42px; width: auto; border-radius: var(--radius-sm); }
.hero-trust-disclosure { font-size: 0.75rem; color: var(--ink-faint); margin-top: 10px; max-width: 46ch; }

/* ---------- Review marquee (continuous-scroll testimonial screenshots) ---------- */
.review-marquee {
  position: relative; overflow: hidden; padding: 22px 0;
  -webkit-mask-image: linear-gradient(90deg, transparent 0, #000 60px, #000 calc(100% - 60px), transparent 100%);
  mask-image: linear-gradient(90deg, transparent 0, #000 60px, #000 calc(100% - 60px), transparent 100%);
}
.review-track {
  display: flex; align-items: center; gap: 24px; width: max-content;
  animation: review-scroll 46s linear infinite;
}
.review-marquee:hover .review-track { animation-play-state: paused; }
.review-card {
  flex: 0 0 auto; border: 1px solid var(--border); border-radius: var(--radius-lg);
  background: var(--surface); box-shadow: var(--shadow-sm); padding: 6px;
}
.review-card img { display: block; height: 220px; width: auto; border-radius: calc(var(--radius-lg) - 4px); }
@keyframes review-scroll {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}
@media (prefers-reduced-motion: reduce) {
  .review-track { animation: none; }
}
@media (max-width: 640px) {
  .review-card img { height: 160px; }
  .hero-rating-img { height: 36px; }
}

/* ---------- Nav ---------- */
.site-nav {
  position: sticky;
  top: 0;
  z-index: 40;
  background: color-mix(in srgb, var(--bg) 90%, transparent);
  backdrop-filter: blur(10px) saturate(140%);
  -webkit-backdrop-filter: blur(10px) saturate(140%);
  border-bottom: 1px solid var(--border);
}
.site-nav .wrap {
  height: 68px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.nav-left {
  display: flex;
  align-items: center;
  gap: 34px;
  min-width: 0;
}
.brand {
  display: flex;
  align-items: center;
  text-decoration: none;
  min-width: 0;
  flex-shrink: 0;
}
.brand-mark { height: 34px; width: auto; }

.nav-links {
  display: none;
  align-items: center;
  gap: 26px;
  margin: 0;
  padding: 0;
}
.nav-links a {
  text-decoration: none;
  font-weight: 600;
  font-size: 0.92rem;
  color: var(--ink-muted);
  transition: color 0.16s var(--ease);
}
.nav-links a:hover,
.nav-links a[aria-current="page"] { color: var(--ink); }

.nav-phone {
  display: none;
  align-items: center;
  gap: 8px;
  font-weight: 700;
  font-size: 0.92rem;
  text-decoration: none;
  color: var(--ink);
}
.nav-phone i { color: var(--accent); font-size: 1.05rem; }

.nav-actions { display: flex; align-items: center; gap: 16px; }
.nav-actions .btn-primary {
  /* the mobile-nav-panel carries its own full-width CTA button, so the
     inline nav one only needs to show once the hamburger menu is gone */
  display: none;
}

.nav-menu-toggle {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  flex-shrink: 0;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--border-strong);
  background: var(--surface);
  color: var(--ink);
  cursor: pointer;
}
.nav-menu-toggle i { font-size: 1.15rem; }

.mobile-nav-panel {
  position: absolute;
  top: 100%;
  left: 0;
  right: 0;
  background: var(--surface);
  border-bottom: 1px solid var(--border);
  box-shadow: var(--shadow-md);
  padding: 8px 24px 20px;
}
.mobile-nav-panel[hidden] { display: none; }
.mobile-nav-panel a {
  display: block;
  padding: 13px 2px;
  font-weight: 600;
  font-size: 0.98rem;
  color: var(--ink);
  text-decoration: none;
  border-bottom: 1px solid var(--border);
}
.mobile-nav-panel .btn {
  display: inline-flex;
  margin-top: 14px;
  border-bottom: none;
  padding: 13px 22px;
}
.mobile-nav-panel a.btn-primary { color: var(--ink-band-text); }
.mobile-nav-panel .mobile-nav-phone {
  display: flex;
  align-items: center;
  gap: 8px;
}
.mobile-nav-panel .mobile-nav-phone i { color: var(--accent); }

@media (min-width: 620px) {
  .nav-phone { display: inline-flex; }
}
@media (min-width: 860px) {
  .nav-links { display: flex; }
  .nav-actions .btn-primary { display: inline-flex; }
  .nav-menu-toggle,
  .mobile-nav-panel { display: none !important; }
}

/* ---------- Hero ---------- */
.hero {
  min-height: calc(100vh - 68px);
  display: flex;
  align-items: center;
  padding-top: clamp(36px, 6vw, 64px);
  padding-bottom: clamp(44px, 6vw, 72px);
  overflow: hidden;
  box-sizing: border-box;
}
.hero .wrap {
  display: grid;
  grid-template-columns: 1fr;
  gap: 36px;
  align-items: start;
}
@media (min-width: 960px) {
  .hero .wrap {
    grid-template-columns: 1fr 0.92fr;
    gap: 52px;
  }
}
.hero-copy { padding-top: clamp(4px, 1.5vw, 18px); }
.hero-kicker {
  font-size: 1.02rem;
  font-weight: 600;
  color: var(--ink-muted);
  margin-bottom: 10px;
}
.hero h1 {
  font-size: clamp(1.9rem, 1.55rem + 1.6vw, 2.55rem);
  font-weight: 800;
  letter-spacing: -0.02em;
  line-height: 1.12;
  color: var(--ink);
  max-width: 27ch;
}
.hero-sub {
  margin-top: 18px;
  font-size: 1.1rem;
  color: var(--ink-muted);
  max-width: 44ch;
  line-height: 1.55;
}
.hero-form-col { scroll-margin-top: 84px; }

@media (min-width: 960px) {
  .hero-kicker { margin-bottom: 16px; }
  .hero-sub { margin-top: 26px; }
  .hero-copy .trust-row { margin-top: 28px; }
}

/* ---------- Apply page: single-column hero + form ---------- */
.apply-hero {
  padding-top: clamp(36px, 6vw, 60px);
  padding-bottom: clamp(20px, 4vw, 32px);
}
.apply-hero .wrap { max-width: 640px; text-align: center; }
.apply-hero .hero-kicker { }
.apply-hero h1 {
  font-size: clamp(1.8rem, 1.45rem + 1.5vw, 2.4rem);
  font-weight: 800;
  letter-spacing: -0.02em;
  line-height: 1.16;
  color: var(--ink);
}
.apply-hero .hero-sub { margin: 14px auto 0; max-width: 52ch; }
.apply-hero .trust-row { justify-content: center; }
.apply-section { padding-bottom: clamp(56px, 8vw, 88px); }
.apply-section .wrap { max-width: 640px; }
.apply-section .form-panel { scroll-margin-top: 84px; }

/* ---------- Form panel ---------- */
.form-panel {
  position: relative;
  background: var(--surface);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-lg);
  padding: clamp(24px, 4vw, 34px);
}
.form-badge {
  position: absolute;
  top: -13px;
  right: 22px;
  display: inline-flex;
  align-items: center;
  gap: 4px;
  padding: 5px 12px;
  margin: 0;
  border-radius: var(--radius);
  background: var(--accent-2);
  color: var(--accent-2-ink);
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.03em;
  text-transform: uppercase;
  box-shadow: var(--shadow-sm);
}
.form-badge i { font-size: 0.82rem; }
.form-panel-head { text-align: center; margin-bottom: 8px; }
.form-panel-head h2 {
  font-size: clamp(1.45rem, 1.2rem + 0.9vw, 1.8rem);
  font-weight: 800;
  letter-spacing: -0.01em;
}
.form-panel-head p {
  margin-top: 8px;
  color: var(--ink-muted);
  font-size: 0.98rem;
}

.progress { margin: 24px 0 28px; }
.progress-track {
  height: 6px;
  border-radius: var(--radius-pill);
  background: var(--border);
  overflow: hidden;
}
.progress-fill {
  height: 100%;
  border-radius: var(--radius-pill);
  background: var(--accent);
  transition: width 0.4s var(--ease);
  width: 25%;
}
.progress-label {
  display: flex;
  justify-content: space-between;
  margin-top: 10px;
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--ink-faint);
  letter-spacing: 0.01em;
}
.progress-label span:last-child { color: var(--accent-strong); }

.field { margin-bottom: 18px; }
.field label {
  display: block;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--ink);
  margin-bottom: 7px;
}
.field .hint { font-size: 0.8rem; color: var(--ink-faint); margin-top: 6px; }
.field .error-msg {
  font-size: 0.82rem;
  color: var(--danger);
  margin-top: 6px;
  display: none;
  align-items: center;
  gap: 5px;
}
.field.has-error .error-msg { display: flex; }
.field.has-error input,
.field.has-error select { border-color: var(--danger); background: var(--danger-soft); }

.input, select.input {
  width: 100%;
  padding: 13px 15px;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--border-strong);
  background: var(--surface);
  color: var(--ink);
  font-size: 1rem;
  transition: border-color 0.2s var(--ease), box-shadow 0.2s var(--ease);
  appearance: none;
}
textarea.input { min-height: 140px; resize: vertical; }
.input::placeholder { color: var(--ink-faint); }
.input:focus, select.input:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 4px var(--accent-soft);
}
.select-wrap { position: relative; }
.select-wrap i {
  position: absolute;
  right: 15px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--ink-faint);
  pointer-events: none;
}
.input-prefix-wrap { position: relative; }
.input-prefix-wrap .prefix {
  position: absolute;
  left: 15px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--ink-faint);
  font-weight: 700;
}
.input-prefix-wrap input { padding-left: 30px; }

.field-row { display: grid; grid-template-columns: 1fr; gap: 18px; }
@media (min-width: 520px) {
  .field-row-2 { grid-template-columns: 1fr 1fr; }
}

.segmented { display: flex; flex-direction: column; gap: 10px; }
@media (min-width: 480px) {
  .segmented { flex-direction: row; flex-wrap: wrap; }
}
.segmented input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.segmented label {
  flex: 1;
  min-width: 150px;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 12px 14px;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--border-strong);
  background: var(--surface);
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--ink-muted);
  cursor: pointer;
  transition: all 0.16s var(--ease);
  margin-bottom: 0;
}
.segmented input:checked + label {
  border-color: var(--accent);
  background: var(--accent-soft);
  color: var(--accent-ink);
}
.segmented input:focus-visible + label {
  outline: 2px solid var(--accent);
  outline-offset: 2px;
}

.inline-note {
  display: none;
  margin-top: 12px;
  padding: 12px 14px;
  border-radius: var(--radius-sm);
  background: var(--accent-soft);
  border: 1px solid var(--accent-soft-border);
  color: var(--accent-ink);
  font-size: 0.85rem;
  line-height: 1.5;
  gap: 8px;
  align-items: flex-start;
}
.inline-note.is-visible { display: flex; }
.inline-note i { flex-shrink: 0; margin-top: 2px; }

.consent { display: flex; align-items: flex-start; gap: 11px; margin: 20px 0 6px; }
.consent input {
  margin-top: 3px;
  width: 18px;
  height: 18px;
  accent-color: var(--accent);
  flex-shrink: 0;
}
.consent label { font-size: 0.87rem; color: var(--ink-muted); line-height: 1.5; }
.consent a { color: var(--accent-strong); font-weight: 600; }

.form-nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-top: 24px;
}
.form-nav .btn-primary { flex: 1; }
.form-nav.single .btn-primary { flex: 1; }

.form-step[hidden] { display: none; }

.form-foot-trust { justify-content: center; margin-top: 20px; }

.form-success { text-align: center; padding: 12px 0 4px; }
.form-success i { font-size: 2.75rem; color: var(--accent); }
.form-success h3 { margin-top: 14px; font-size: 1.4rem; font-weight: 800; letter-spacing: -0.01em; }
.form-success p { margin-top: 10px; color: var(--ink-muted); font-size: 0.98rem; line-height: 1.55; }

/* ---------- Bento ---------- */
.bento-section { padding: clamp(52px, 8vw, 92px) 0; }
.bento-section.is-sunken,
.steps-section.is-sunken { background: var(--surface-sunken); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.bento { margin-top: 40px; display: grid; grid-template-columns: 1fr; gap: 16px; }
@media (min-width: 760px) {
  .bento { grid-template-columns: repeat(2, 1fr); }
  .bento-feature { grid-column: 1 / -1; }
}
.bento-3col { grid-template-columns: 1fr; }
@media (min-width: 760px) {
  .bento-3col { grid-template-columns: repeat(3, 1fr); }
}
.bento-tile {
  border-radius: var(--radius-lg);
  padding: 26px;
  border: 1px solid var(--border);
  background: var(--surface);
  box-shadow: var(--shadow-sm);
}
.bento-tile i { font-size: 1.6rem; color: var(--accent); }
.bento-tile h3 { margin-top: 16px; font-size: 1.06rem; font-weight: 800; letter-spacing: -0.01em; }
.bento-tile p { margin-top: 8px; color: var(--ink-muted); font-size: 0.94rem; line-height: 1.55; }

.bento-feature {
  position: relative;
  overflow: hidden;
  min-height: 220px;
  display: flex;
  align-items: flex-end;
  color: var(--ink-band-text);
  border: none;
}
.bento-feature img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  /* CSS duotone treatment: tint the shared source photo toward this
     site's indigo so it reads as this brand's own imagery. */
  filter: grayscale(1) brightness(0.6) sepia(0.35) hue-rotate(200deg) saturate(2.4);
}
.bento-feature::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(200deg, rgba(67, 56, 202, 0.72), rgba(28, 26, 58, 0.9));
}
.bento-feature-inner { position: relative; z-index: 1; padding: 8px; }
.bento-feature i { color: var(--accent-ink); background: var(--accent-2); border-radius: var(--radius-sm); padding: 8px; font-size: 1.3rem; }
.bento-feature h3 { color: var(--ink-band-text); }
.bento-feature p { color: rgba(244, 242, 251, 0.86); max-width: 46ch; }

/* ---------- Step timeline (module G: 3/4/5-step process) ---------- */
.steps-section { padding: clamp(52px, 8vw, 92px) 0; }
.steps-grid {
  margin-top: 40px;
  display: grid;
  grid-template-columns: 1fr;
  gap: 18px;
}
@media (min-width: 640px) {
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (min-width: 960px) {
  .steps-grid.steps-3,
  .steps-grid.steps-5 { grid-template-columns: repeat(3, 1fr); }
}
.step-card {
  position: relative;
  border-radius: var(--radius-lg);
  padding: 26px 24px 24px;
  border: 1px solid var(--border);
  background: var(--surface);
  box-shadow: var(--shadow-sm);
}
.step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--accent);
  color: var(--ink-band-text);
  font-family: "Plus Jakarta Sans", sans-serif;
  font-weight: 800;
  font-size: 0.95rem;
}
.step-card h3 { margin-top: 16px; font-size: 1.05rem; font-weight: 800; letter-spacing: -0.01em; color: var(--ink); }
.step-card p { margin-top: 8px; color: var(--ink-muted); font-size: 0.94rem; line-height: 1.55; }
.step-card .step-note {
  display: inline-block;
  margin-top: 12px;
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--accent-strong);
}
.step-card ul.text-list { margin-top: 12px; }

/* ---------- Generic bullet list ---------- */
.text-list { margin-top: 22px; max-width: 640px; }
.text-list li {
  position: relative;
  padding-left: 24px;
  margin-top: 11px;
  color: var(--ink-muted);
  font-size: 0.98rem;
  line-height: 1.6;
}
.text-list li::before {
  content: "";
  position: absolute;
  left: 2px;
  top: 9px;
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--accent);
}
.text-list.is-wide { max-width: 100%; }

/* ---------- Notice / disclosure block ---------- */
.notice-block {
  margin-top: 22px;
  padding: 22px 24px;
  border-radius: var(--radius-lg);
  background: var(--surface-sunken);
  border: 1px solid var(--border);
}
.notice-block p { color: var(--ink-muted); font-size: 0.92rem; line-height: 1.65; }
.notice-block p + p { margin-top: 10px; }
.notice-block strong { color: var(--ink); }

/* ---------- Fine print ---------- */
.fine-print {
  margin-top: 16px;
  font-size: 0.8rem;
  color: var(--ink-faint);
  font-style: italic;
  line-height: 1.55;
  max-width: 640px;
}
.fine-print.is-centered { margin-left: auto; margin-right: auto; text-align: center; }

/* ---------- Callout section (module F: debt validation / FDCPA) ---------- */
.callout-section { padding: clamp(52px, 8vw, 92px) 0; }
.callout-card {
  max-width: 720px;
  margin: 0 auto;
  text-align: left;
}
.callout-card h2 {
  font-size: clamp(1.7rem, 1.35rem + 1.4vw, 2.3rem);
  font-weight: 800;
  letter-spacing: -0.01em;
  line-height: 1.14;
}
.callout-card p { margin-top: 16px; color: var(--ink-muted); font-size: 1.03rem; line-height: 1.65; }
.callout-highlight {
  margin-top: 22px;
  padding: 20px 22px;
  border-radius: var(--radius-lg);
  background: var(--accent-2-soft);
  border: 1px solid var(--accent-2-soft-border);
}
.callout-highlight p {
  margin: 0;
  color: var(--accent-2-ink);
  font-size: 1.02rem;
  font-weight: 600;
  line-height: 1.55;
}

/* ---------- Federal-vs-private note ---------- */
.fed-note-wrap { padding-top: 8px; padding-bottom: 8px; }
.fed-note-wrap .inline-note { max-width: 760px; margin: 0 auto; }
.fed-note-wrap .inline-note a { color: inherit; font-weight: 700; text-decoration: underline; }

/* ---------- FAQ ---------- */
.faq-section { padding: clamp(52px, 8vw, 92px) 0; }
.faq-list { margin-top: 36px; max-width: 780px; }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-item summary {
  list-style: none;
  cursor: pointer;
  padding: 20px 4px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  font-weight: 700;
  font-size: 1.02rem;
  color: var(--ink);
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary i {
  flex-shrink: 0;
  color: var(--accent);
  transition: transform 0.22s var(--ease);
  font-size: 1.2rem;
}
.faq-item[open] summary i { transform: rotate(180deg); }
.faq-answer { padding: 0 4px 22px; color: var(--ink-muted); font-size: 0.98rem; line-height: 1.65; max-width: 68ch; }

/* ---------- Mid-page CTA banner ---------- */
.cta-banner-simple {
  padding: clamp(44px, 7vw, 76px) 0;
  background: var(--accent-soft);
  border-top: 1px solid var(--accent-soft-border);
  border-bottom: 1px solid var(--accent-soft-border);
  text-align: center;
}
.cta-banner-simple h2 {
  font-size: clamp(1.5rem, 1.25rem + 1vw, 2rem);
  font-weight: 800;
  letter-spacing: -0.01em;
  color: var(--accent-ink);
}
.cta-banner-simple p {
  margin: 12px auto 0;
  max-width: 56ch;
  color: var(--ink-muted);
  line-height: 1.6;
}
.cta-banner-simple .btn { margin-top: 24px; }
.cta-banner-simple .fine-print { margin-left: auto; margin-right: auto; text-align: center; }

/* ---------- Final CTA ---------- */
.final-cta { background: var(--ink-band); color: var(--ink-band-text); padding: clamp(60px, 9vw, 100px) 0; }
.final-cta-inner { max-width: 640px; margin: 0 auto; text-align: center; }
.final-cta h2 {
  font-size: clamp(1.85rem, 1.45rem + 1.6vw, 2.6rem);
  font-weight: 800;
  letter-spacing: -0.02em;
  line-height: 1.12;
}
.final-cta p { margin-top: 16px; color: var(--ink-band-muted); font-size: 1.06rem; line-height: 1.6; }
.final-cta-actions { margin-top: 28px; display: flex; flex-direction: column; align-items: center; gap: 18px; }
.final-cta .trust-row { justify-content: center; margin-top: 4px; }
.final-cta .trust-row li { color: var(--ink-band-muted); }
.final-cta .trust-row i { color: var(--accent-2); }
.final-cta-phone { font-size: 0.98rem; color: var(--ink-band-muted); }
.final-cta-phone a {
  color: var(--ink-band-text);
  font-weight: 700;
  text-decoration: none;
  border-bottom: 1.5px solid var(--accent-2);
}

/* ---------- Footer ---------- */
.site-footer { padding: 44px 0 32px; background: var(--surface-sunken); border-top: 1px solid var(--border); }
.footer-grid { display: flex; flex-direction: column; gap: 26px; }
.footer-brand { display: inline-block; margin-bottom: -6px; }
.footer-logo { height: 30px; width: auto; display: block; }
.footer-disclosure { font-size: 0.82rem; color: var(--ink-faint); line-height: 1.65; max-width: 78ch; }
.footer-disclosure p + p { margin-top: 10px; }
.footer-disclosure strong { color: var(--ink-muted); }
.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 22px;
  padding-top: 4px;
}
.footer-links a { text-decoration: none; font-size: 0.85rem; font-weight: 600; color: var(--ink-muted); }
.footer-links a:hover { color: var(--ink); }
.footer-bottom {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  padding-top: 20px;
  border-top: 1px solid var(--border);
  font-size: 0.85rem;
  color: var(--ink-faint);
}
.footer-bottom a { text-decoration: none; color: var(--ink-muted); font-weight: 600; }
.footer-contact { display: flex; gap: 18px; flex-wrap: wrap; }
.footer-contact i { color: var(--accent); }

/* ---------- Scroll reveal ---------- */
.js-ready [data-reveal] {
  opacity: 0;
  transform: translateY(16px);
  transition: opacity 0.5s var(--ease), transform 0.5s var(--ease);
}
.js-ready [data-reveal].is-visible { opacity: 1; transform: translateY(0); }

@media (prefers-reduced-motion: reduce) {
  [data-reveal] { opacity: 1 !important; transform: none !important; transition: none !important; }
  * {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
  }
}

section { position: relative; scroll-margin-top: 84px; }

/* ---------- Simple secondary pages (thank-you, privacy policy) ---------- */
.page-hero {
  padding: clamp(52px, 9vw, 88px) 0 clamp(32px, 5vw, 52px);
  text-align: center;
  border-bottom: 1px solid var(--border);
}
.page-hero i.page-hero-icon { font-size: 3rem; color: var(--accent); }
.page-hero h1 {
  margin-top: 14px;
  font-size: clamp(2rem, 1.65rem + 1.5vw, 2.7rem);
  font-weight: 800;
  letter-spacing: -0.02em;
  max-width: 22ch;
  margin-left: auto;
  margin-right: auto;
  color: var(--ink);
}
.page-hero p { margin: 16px auto 0; color: var(--ink-muted); font-size: 1.05rem; max-width: 56ch; line-height: 1.6; }
.page-hero .btn { margin-top: 26px; }
.page-hero .trust-row { justify-content: center; margin-top: 22px; }

.thankyou-section { padding: clamp(48px, 7vw, 80px) 0 clamp(48px, 7vw, 72px); text-align: center; }
.thankyou-section .wrap { max-width: 640px; }
.thankyou-section p { margin-top: 14px; color: var(--ink-muted); font-size: 1.05rem; line-height: 1.65; }
.thankyou-actions { margin-top: 30px; display: flex; flex-direction: column; align-items: center; gap: 16px; }
.thankyou-phone { font-size: 0.98rem; color: var(--ink-muted); }
.thankyou-phone a { color: var(--accent-strong); font-weight: 700; text-decoration: none; }

/* Calendly scheduling band under the thank-you message */
.schedule-section {
  padding: clamp(48px, 7vw, 80px) 0 clamp(56px, 8vw, 88px);
  background: var(--surface-sunken);
  border-top: 1px solid var(--border);
  text-align: center;
}
.schedule-section .wrap { max-width: 860px; }
.schedule-section .section-head { margin: 0 auto; }
.schedule-section .section-head p { margin-left: auto; margin-right: auto; }
.schedule-card {
  margin-top: 32px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  overflow: hidden;
  text-align: left;
}

/* ---------- Legal content (privacy policy) ---------- */
.legal-content { padding: clamp(44px, 7vw, 76px) 0 clamp(60px, 9vw, 96px); }
.legal-content .wrap { max-width: 800px; }
.legal-meta { color: var(--ink-faint); font-size: 0.92rem; margin-top: 6px; }
.legal-intro { margin-top: 24px; color: var(--ink-muted); font-size: 1.02rem; line-height: 1.7; }
.legal-toc {
  margin-top: 28px;
  padding: 22px 24px;
  border-radius: var(--radius-lg);
  background: var(--surface-sunken);
  border: 1px solid var(--border);
}
.legal-toc p { font-weight: 700; color: var(--ink); margin-bottom: 4px; }
.legal-toc ul { margin-top: 10px; columns: 2; gap: 8px 28px; }
@media (max-width: 640px) { .legal-toc ul { columns: 1; } }
.legal-toc li { margin-top: 6px; break-inside: avoid; }
.legal-toc a { font-size: 0.92rem; font-weight: 600; color: var(--accent-strong); text-decoration: none; }
.legal-toc a:hover { text-decoration: underline; }
.legal-body h2 {
  margin-top: 44px;
  font-size: 1.32rem;
  font-weight: 800;
  letter-spacing: -0.01em;
  color: var(--ink);
  scroll-margin-top: 96px;
}
.legal-body > h2:first-child { margin-top: 40px; }
.legal-body p { margin-top: 14px; color: var(--ink-muted); font-size: 1rem; line-height: 1.75; }
.legal-body ul { margin-top: 14px; padding-left: 22px; list-style: disc; }
.legal-body li { margin-top: 8px; color: var(--ink-muted); font-size: 1rem; line-height: 1.7; }
.legal-body a { color: var(--accent-strong); font-weight: 600; text-decoration: underline; }
.legal-body strong { color: var(--ink); }

/* ---------- Loan-forgiveness landing page (/private-student-loans-forgiveness/) ---------- */
/* Disclosures, hints and the footer's legal text all use --ink-faint, which is
   only ~3.3:1 on the page background. Darken it on this page so they read AA. */
.page-forgiveness { --ink-faint: #6b6685; }
.page-forgiveness .form-badge { font-size: 0.72rem; }
/* five review cards instead of four: slower loop keeps the same scroll pace */
.page-forgiveness .review-track { animation-duration: 58s; }
.hero-copy .hero-sub + .hero-sub { margin-top: 12px; }
.section-cta { margin-top: 32px; }

.split-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
  align-items: start;
}
@media (min-width: 900px) {
  .split-grid { grid-template-columns: 1fr 1fr; gap: 64px; }
}

.option-list { display: grid; gap: 10px; }
.option-list li {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 14px 18px;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  background: var(--surface);
  box-shadow: var(--shadow-sm);
  font-weight: 700;
  font-size: 1rem;
  color: var(--ink);
}
.option-list i {
  flex-shrink: 0;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  border-radius: var(--radius-sm);
  background: var(--accent-soft);
  color: var(--accent);
  font-size: 1.25rem;
}
.option-closer { margin-top: 18px; font-weight: 700; color: var(--ink); line-height: 1.55; }

.compare-grid {
  margin-top: 40px;
  display: grid;
  grid-template-columns: 1fr;
  gap: 18px;
  max-width: 900px;
}
@media (min-width: 760px) {
  .compare-grid { grid-template-columns: 1fr 1fr; }
}
.compare-card {
  border-radius: var(--radius-lg);
  padding: 26px;
  border: 1px solid var(--border);
  background: var(--surface);
  box-shadow: var(--shadow-sm);
}
.compare-card.is-focus {
  border-color: var(--accent);
  box-shadow: 0 0 0 1px var(--accent), var(--shadow-md);
}
.compare-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 8px 12px;
  flex-wrap: wrap;
}
.compare-card h3 {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 1.3rem;
  font-weight: 800;
  letter-spacing: -0.01em;
}
.compare-card h3 i { font-size: 1.5rem; color: var(--accent); }
.compare-tag {
  padding: 4px 10px;
  border-radius: var(--radius);
  background: var(--surface-sunken);
  color: var(--ink-muted);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.compare-card.is-focus .compare-tag {
  background: var(--accent-2);
  color: var(--accent-2-ink);
}
.compare-card .compare-body { margin-top: 14px; color: var(--ink-muted); font-size: 0.98rem; line-height: 1.6; }
.compare-note { margin-top: 22px; font-weight: 600; color: var(--ink-muted); }

.lender-logos {
  margin-top: 22px;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
}
@media (min-width: 640px) {
  .lender-logos { grid-template-columns: repeat(4, 1fr); }
}
.lender-logos li {
  display: flex;
  align-items: center;
  justify-content: center;
  height: 84px;
  padding: 14px 16px;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  background: var(--surface);
  box-shadow: var(--shadow-sm);
}
.lender-logos img { width: auto; height: auto; max-width: 100%; max-height: 44px; }
.callout-card p.fine-print {
  margin-top: 14px;
  font-size: 0.78rem;
  line-height: 1.55;
  color: var(--ink-muted);
}

.final-cta .fine-print {
  margin: 4px auto 0;
  text-align: center;
  color: var(--ink-band-muted);
  font-size: 0.78rem;
}

/* ---------- Large-monitor scale-up ---------- */
/* On wide desktop viewports the fixed 1180px content column reads small
   and leaves too much dead margin either side, so bump everything (type,
   spacing, icons) up ~10-15% together rather than just widening the
   column. Only above 1440px so laptop-width screens and the mobile/
   tablet breakpoints above are untouched. */
@media (min-width: 1440px) {
  body { zoom: 1.1; }
}
@media (min-width: 1920px) {
  body { zoom: 1.15; }
}