/* ==========================================================================
   CSS Variables & Reset
   ========================================================================== */
:root {
    --primary-blue: #0A3D62;
    --primary-green: #2ecc71; /* Parrot Green */
    --dark-green: #27ae60;
    --bg-light: #F4F7F6;
    --text-main: #2C3E50;
    --text-muted: #7F8C8D;
    --white: #FFFFFF;
    --border: #E0E0E0;
    --danger: #e74c3c;
    --warning: #f1c40f;
    --shadow: 0 4px 15px rgba(0,0,0,0.05);
    --transition: all 0.3s ease;
}

* { margin: 0; padding: 0; box-sizing: border-box; font-family: 'Segoe UI', system-ui, sans-serif; }

body { background: var(--bg-light); color: var(--text-main); line-height: 1.6; overflow-x: hidden; }
a { text-decoration: none; color: var(--primary-blue); transition: var(--transition); }
img { max-width: 100%; height: auto; display: block; border-radius: 8px; }
ul { list-style: none; }

/* ==========================================================================
   Header & Navigation
   ========================================================================== */
header {
    background: var(--white);
    box-shadow: var(--shadow);
    position: sticky;
    top: 0;
    z-index: 1000;
    transition: var(--transition);
}

.header-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 15px 20px;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.logo { font-size: 1.5rem; font-weight: 700; color: var(--primary-blue); display: flex; align-items: center; gap: 8px; }
.logo span { color: var(--primary-green); }

.nav-menu { display: flex; gap: 20px; }
.nav-menu a { font-weight: 500; color: var(--text-main); }
.nav-menu a:hover { color: var(--primary-green); }

.hamburger { display: none; cursor: pointer; font-size: 1.5rem; color: var(--primary-blue); }

/* Scroll Progress Bar */
#progress-bar {
    height: 4px;
    background: var(--primary-green);
    width: 0%;
    position: absolute;
    bottom: 0;
    left: 0;
}

/* ==========================================================================
   Homepage Layouts
   ========================================================================== */
.hero {
    background: linear-gradient(135deg, var(--primary-blue), #1a5276);
    color: var(--white);
    text-align: center;
    padding: 80px 20px;
}

.hero h1 { font-size: 2.8rem; margin-bottom: 15px; }
.hero p { font-size: 1.2rem; margin-bottom: 30px; opacity: 0.9; }

.search-box { display: flex; justify-content: center; gap: 10px; max-width: 500px; margin: 0 auto; }
.search-box input { flex: 1; padding: 15px; border: none; border-radius: 5px; font-size: 1rem; }
.btn { background: var(--primary-green); color: var(--white); padding: 15px 25px; border: none; border-radius: 5px; font-weight: bold; cursor: pointer; transition: var(--transition); display: inline-block; }
.btn:hover { background: var(--dark-green); transform: translateY(-2px); }

.container { max-width: 1200px; margin: 50px auto; padding: 0 20px; }
.section-title { text-align: center; font-size: 2rem; color: var(--primary-blue); margin-bottom: 40px; }

/* Grids */
.grid-4 { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 20px; }
.grid-3 { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 30px; }

/* Cards */
.card { background: var(--white); padding: 25px; border-radius: 10px; box-shadow: var(--shadow); transition: var(--transition); border-top: 4px solid var(--border); }
.card:hover { transform: translateY(-5px); box-shadow: 0 10px 20px rgba(0,0,0,0.1); }
.card h3 { margin: 15px 0; color: var(--primary-blue); }

.card.poor { border-top-color: var(--danger); }
.card.fair { border-top-color: var(--warning); }
.card.good { border-top-color: var(--primary-blue); }
.card.excellent { border-top-color: var(--primary-green); }

.article-card img { width: 100%; height: 200px; object-fit: cover; border-radius: 5px; margin-bottom: 15px; }

/* ==========================================================================
   Single Page & Sidebar Layout
   ========================================================================== */
.single-container { display: grid; grid-template-columns: 1fr 350px; gap: 40px; max-width: 1200px; margin: 30px auto; padding: 0 20px; }

/* Breadcrumb */
.breadcrumb { margin-bottom: 20px; font-size: 0.9rem; color: var(--text-muted); }
.breadcrumb a { color: var(--primary-blue); }

/* Main Content */
.post-content { background: var(--white); padding: 40px; border-radius: 10px; box-shadow: var(--shadow); }
.post-content h1 { font-size: 2.2rem; color: var(--primary-blue); margin-bottom: 20px; }
.post-content h2 { font-size: 1.8rem; color: var(--primary-blue); margin: 30px 0 15px; border-bottom: 2px solid var(--bg-light); padding-bottom: 10px; }
.post-content p { margin-bottom: 15px; font-size: 1.05rem; }

.score-box { display: flex; align-items: center; justify-content: space-between; background: var(--bg-light); padding: 25px; border-radius: 8px; border-left: 6px solid var(--border); margin: 25px 0; }
.score-box .number { font-size: 3.5rem; font-weight: bold; color: var(--primary-blue); line-height: 1; }
.badge { padding: 8px 16px; border-radius: 20px; color: var(--white); font-weight: bold; font-size: 1.1rem; }

/* Dynamic Badge Colors */
.bg-poor { background: var(--danger); }
.bg-fair { background: var(--warning); }
.bg-good { background: var(--primary-blue); }
.bg-excellent { background: var(--primary-green); }
.border-poor { border-left-color: var(--danger); }
.border-fair { border-left-color: var(--warning); }
.border-good { border-left-color: var(--primary-blue); }
.border-excellent { border-left-color: var(--primary-green); }

/* Sidebar */
.sidebar { display: flex; flex-direction: column; gap: 30px; }
.widget { background: var(--white); padding: 25px; border-radius: 10px; box-shadow: var(--shadow); }
.widget h3 { margin-bottom: 15px; font-size: 1.2rem; color: var(--primary-blue); border-bottom: 2px solid var(--primary-green); display: inline-block; padding-bottom: 5px; }
.widget-links li { margin-bottom: 10px; border-bottom: 1px dashed var(--border); padding-bottom: 10px; }
.widget-links li:last-child { border-bottom: none; margin-bottom: 0; padding-bottom: 0; }

.ad-space { background: #e0e0e0; text-align: center; padding: 40px 20px; border: 1px dashed #999; color: #666; font-size: 0.9rem; }

.nav-links { display: flex; justify-content: space-between; margin-top: 40px; padding-top: 20px; border-top: 1px solid var(--border); }
.nav-links a { display: inline-block; padding: 10px 20px; background: var(--bg-light); border-radius: 5px; font-weight: bold; }
.nav-links a:hover { background: var(--primary-blue); color: var(--white); }

/* ==========================================================================
   Footer & Animations
   ========================================================================== */
footer { background: var(--primary-blue); color: var(--white); padding: 50px 20px 20px; margin-top: 50px; }
.footer-grid { max-width: 1200px; margin: 0 auto; display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 30px; margin-bottom: 30px; }
.footer-widget h3 { color: var(--primary-green); margin-bottom: 15px; }
.footer-widget a { color: #ccc; display: block; margin-bottom: 8px; }
.footer-widget a:hover { color: var(--white); padding-left: 5px; }
.footer-bottom { text-align: center; padding-top: 20px; border-top: 1px solid rgba(255,255,255,0.1); font-size: 0.9rem; color: #ccc; }

/* Fade-in Animation Classes */
.fade-in { opacity: 0; transform: translateY(20px); transition: opacity 0.6s ease-out, transform 0.6s ease-out; }
.fade-in.visible { opacity: 1; transform: translateY(0); }

/* ==========================================================================
   Responsive Design
   ========================================================================== */
@media (max-width: 900px) {
    .single-container { grid-template-columns: 1fr; }
    .hamburger { display: block; }
    .nav-menu { display: none; flex-direction: column; position: absolute; top: 100%; left: 0; width: 100%; background: var(--white); box-shadow: var(--shadow); padding: 20px; }
    .nav-menu.active { display: flex; }
    .score-box { flex-direction: column; text-align: center; gap: 15px; }
}

/* ==========================================================================
   Conversion Enhancements & Banners
   ========================================================================== */

/* Banners */
.promo-banner { margin: 25px 0; text-align: center; overflow: hidden; border-radius: 8px; }
.promo-banner img { width: 100%; height: auto; display: block; background: #e0e0e0; }
.large-banner { max-width: 728px; margin: 0 auto 25px auto; }
.mid-banner { max-width: 728px; margin: 35px auto; }

/* Smart Score Message */
.smart-message { padding: 15px 20px; border-radius: 8px; margin-bottom: 20px; font-weight: bold; font-size: 1.1rem; display: flex; align-items: center; gap: 10px; }
.smart-success { background: #e8f8f5; color: #117a65; border-left: 5px solid #117a65; }
.smart-danger { background: #fdedec; color: #c0392b; border-left: 5px solid #c0392b; }

/* Apply Loan Section */
.loan-apply-section { background: var(--bg-light); padding: 30px; border-radius: 10px; margin: 30px 0; border: 1px solid var(--border); }
.approval-status { display: inline-block; padding: 5px 15px; border-radius: 20px; font-weight: bold; margin-bottom: 15px; font-size: 0.9rem; }
.status-limited { background: #fdedec; color: #c0392b; }
.status-moderate { background: #fef5e7; color: #d35400; }
.status-high { background: #eaf2f8; color: #2980b9; }
.status-instant { background: #e8f8f5; color: #117a65; }

.benefit-list { margin: 15px 0 25px; }
.benefit-list li { margin-bottom: 8px; font-weight: 500; }

.apply-loan-btn { display: inline-block; width: 100%; text-align: center; font-size: 1.2rem; padding: 15px; border-radius: 8px; }
.glow-effect { box-shadow: 0 0 15px rgba(46, 204, 113, 0.4); animation: pulseGlow 2s infinite; }

@keyframes pulseGlow {
    0% { box-shadow: 0 0 10px rgba(46, 204, 113, 0.4); }
    50% { box-shadow: 0 0 20px rgba(46, 204, 113, 0.8); }
    100% { box-shadow: 0 0 10px rgba(46, 204, 113, 0.4); }
}

/* Lender Grid */
.lender-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 20px; margin: 25px 0; }
.lender-card { background: var(--white); padding: 20px; border-radius: 8px; border: 1px solid var(--border); text-align: center; transition: var(--transition); }
.lender-card:hover { transform: translateY(-5px); box-shadow: var(--shadow); border-color: var(--primary-green); }
.lender-logo { height: 40px; width: auto; margin: 0 auto 15px auto; object-fit: contain; }
.lender-card h3 { margin-bottom: 15px; font-size: 1.1rem; color: var(--primary-blue); }
.lender-card p { font-size: 0.9rem; margin-bottom: 8px; color: var(--text-main); }
.btn-outline { background: transparent; color: var(--primary-green); border: 2px solid var(--primary-green); padding: 8px 15px; display: block; margin-top: 15px; }
.btn-outline:hover { background: var(--primary-green); color: var(--white); }

/* Comparison Table */
.table-responsive { overflow-x: auto; margin: 30px 0; box-shadow: var(--shadow); border-radius: 8px; }
.comparison-table { width: 100%; border-collapse: collapse; background: var(--white); white-space: nowrap; }
.comparison-table th, .comparison-table td { padding: 15px; text-align: left; border-bottom: 1px solid var(--border); }
.comparison-table th { background: var(--primary-blue); color: var(--white); font-weight: 600; }
.comparison-table tr:hover { background: var(--bg-light); }
.btn-text { color: var(--primary-green); font-weight: bold; text-decoration: none; }
.btn-text:hover { color: var(--dark-green); text-decoration: underline; }

/* Trust Disclaimer */
.trust-disclaimer { font-size: 0.8rem; color: #95a5a6; text-align: center; margin: 15px 0 30px; line-height: 1.4; border-top: 1px solid var(--border); padding-top: 15px; }

/* Mobile Sticky CTA */
.mobile-sticky-cta { display: none; position: fixed; bottom: 0; left: 0; width: 100%; background: var(--white); padding: 15px; box-shadow: 0 -4px 10px rgba(0,0,0,0.1); z-index: 1000; }
.mobile-sticky-cta .btn { width: 100%; margin: 0; padding: 15px; font-size: 1.1rem; }

@media (max-width: 768px) {
    .mobile-sticky-cta { display: block; }
    body { padding-bottom: 80px; /* Space for sticky button */ }
}