/* ============================================================
   USA Rate Hub — style.css
   Theme: Bankrate Pro
   Fonts: Source Serif 4 (h1/h2) + Inter (body/all else)
   ============================================================ */

/* ================================================================
   DESIGN TOKENS
================================================================ */
:root {
  --navy:        #0B2545;
  --navy-dark:   #071A32;
  --navy-soft:   #EBF0F7;
  --orange:      #F97316;
  --orange-dark: #EA6C0A;
  --orange-soft: #FFF4ED;
  --white:       #FFFFFF;
  --cream:       #F6F8FB;
  --ink:         #0B1929;
  --slate:       #4A5568;
  --muted:       #718096;
  --line:        #E2E8F0;
  --bg:          #F6F8FB;
}

/* ================================================================
   RESET + BASE
================================================================ */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

h1, h2 {
  font-family: 'Source Serif 4', Georgia, serif;
}

h3, h4, h5, h6 {
  font-family: 'Inter', system-ui, sans-serif;
  font-weight: 700;
}

img { display: block; max-width: 100%; }

a {
  color: inherit;
  text-decoration: none;
}

ul { list-style: none; }

/* ================================================================
   LAYOUT HELPERS
================================================================ */
.wrap {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px;
}

.section    { padding: 64px 0; }
.section-sm { padding: 40px 0; }

/* Grids */
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }

/* ================================================================
   NAV
================================================================ */
.urh-nav {
  background: var(--white);
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 100;
}

.urh-nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}

.urh-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: 'Inter', sans-serif;
  font-weight: 800;
  font-size: 20px;
  color: var(--navy);
  text-decoration: none;
}

.urh-logo-mark {
  width: 36px;
  height: 36px;
  background: var(--navy);
  color: var(--orange);
  font-weight: 800;
  font-size: 15px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.urh-nav-tabs {
  display: flex;
  gap: 0;
}

.urh-nav-tab {
  position: relative;
  padding: 0 18px;
  height: 64px;
  display: flex;
  align-items: center;
  font-weight: 600;
  font-size: 14px;
  color: var(--slate);
  cursor: pointer;
  border-bottom: 3px solid transparent;
  transition: color .15s, border-color .15s;
}

.urh-nav-tab a {
  color: inherit;
  text-decoration: none;
}

.urh-nav-tab:hover,
.urh-nav-tab.active {
  color: var(--navy);
  border-bottom-color: var(--orange);
}

/* Dropdown */
.urh-dropdown {
  position: absolute;
  top: 64px;
  left: 0;
  min-width: 220px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 10px;
  box-shadow: 0 8px 32px rgba(0,0,0,.12);
  padding: 8px 0;
  z-index: 200;
  display: none;
}

.urh-nav-tab:hover .urh-dropdown {
  display: block;
}

.urh-dropdown a {
  display: block;
  padding: 10px 20px;
  font-size: 14px;
  color: var(--ink);
  font-weight: 500;
  transition: background .1s, color .1s;
}

.urh-dropdown a:hover {
  background: var(--cream);
  color: var(--navy);
}

.urh-dropdown-section {
  padding: 8px 20px 4px;
  font-size: 11px;
  font-weight: 700;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: .08em;
}

.urh-nav-cta {
  margin-left: 16px;
  flex-shrink: 0;
}

/* ================================================================
   BUTTONS
================================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 24px;
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 15px;
  border-radius: 8px;
  border: none;
  cursor: pointer;
  text-decoration: none;
  transition: background .15s, transform .15s, box-shadow .15s, color .15s, border-color .15s;
  white-space: nowrap;
  line-height: 1;
}

.btn:focus-visible {
  outline: 3px solid var(--orange);
  outline-offset: 2px;
}

.btn-primary {
  background: var(--orange);
  color: var(--white);
}
.btn-primary:hover {
  background: var(--orange-dark);
  transform: translateY(-1px);
}

.btn-secondary {
  background: var(--navy);
  color: var(--white);
}
.btn-secondary:hover {
  background: var(--navy-dark);
  transform: translateY(-1px);
}

.btn-ghost {
  background: transparent;
  color: var(--navy);
  border: 1.5px solid var(--navy);
}
.btn-ghost:hover {
  background: var(--navy);
  color: var(--white);
}

.btn-sm  { padding: 9px 18px;  font-size: 13px; }
.btn-lg  { padding: 16px 32px; font-size: 17px; }

/* ================================================================
   HERO
================================================================ */
.urh-hero {
  background: var(--navy);
  color: var(--white);
  padding: 80px 0 60px;
  position: relative;
  overflow: hidden;
}

.urh-hero::before {
  content: '';
  position: absolute;
  top: -100px;
  right: -100px;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(249,115,22,.15) 0%, transparent 60%);
  pointer-events: none;
}

.urh-hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.urh-hero h1 {
  font-size: 56px;
  line-height: 1.05;
  letter-spacing: -0.02em;
  color: var(--white);
  margin-bottom: 20px;
}

.urh-hero h1 em {
  color: var(--orange);
  font-style: normal;
}

.urh-hero .sub {
  font-size: 18px;
  line-height: 1.6;
  color: rgba(255,255,255,.75);
  margin-bottom: 32px;
}

.urh-hero .pill {
  display: inline-flex;
  align-items: center;
  background: rgba(255,255,255,.15);
  color: var(--white);
  padding: 7px 16px;
  border-radius: 999px;
  font-size: 13px;
  font-weight: 600;
  margin-bottom: 20px;
}

/* ================================================================
   RATE TICKER (hero card)
================================================================ */
.urh-ticker {
  background: var(--white);
  border-radius: 14px;
  padding: 24px 28px;
  box-shadow: 0 4px 24px rgba(11,37,69,.12);
}

.urh-ticker-title {
  font-size: 13px;
  font-weight: 700;
  color: var(--slate);
  text-transform: uppercase;
  letter-spacing: .06em;
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.urh-ticker-live {
  width: 8px;
  height: 8px;
  background: var(--orange);
  border-radius: 50%;
  animation: pulse 1.5s infinite;
  flex-shrink: 0;
}

@keyframes pulse {
  0%, 100% { opacity: 1; }
  50%       { opacity: .4; }
}

.urh-ticker-rows {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.urh-ticker-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 10px 0;
  border-bottom: 1px solid var(--line);
}

.urh-ticker-row:last-child { border-bottom: none; }

.urh-ticker-label {
  font-size: 14px;
  font-weight: 600;
  color: var(--ink);
}

.urh-ticker-rate {
  font-family: 'Inter', sans-serif;
  font-size: 22px;
  font-weight: 800;
  color: var(--navy);
  font-variant-numeric: tabular-nums;
}

.urh-ticker-change {
  font-size: 12px;
  font-weight: 600;
  padding: 3px 8px;
  border-radius: 6px;
}

.urh-ticker-change.up   { background: #FEF3C7; color: #92400E; }
.urh-ticker-change.down { background: #D1FAE5; color: #065F46; }

.urh-ticker-cta {
  display: block;
  text-align: center;
  margin-top: 16px;
  font-size: 13px;
  font-weight: 700;
  color: var(--orange);
  text-decoration: none;
}

.urh-ticker-cta:hover { color: var(--orange-dark); }

/* ================================================================
   NICHE CARDS (homepage 5-grid)
================================================================ */
.niche-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 16px;
}

.niche-card {
  display: block;
  background: var(--white);
  border: 1.5px solid var(--line);
  border-radius: 12px;
  padding: 24px 20px;
  text-align: center;
  text-decoration: none;
  color: inherit;
  transition: border-color .2s, transform .2s, box-shadow .2s;
}

.niche-card:hover {
  border-color: var(--navy);
  transform: translateY(-3px);
  box-shadow: 0 8px 24px rgba(11,37,69,.1);
}

.niche-card .nc-icon {
  width: 48px;
  height: 48px;
  background: var(--navy-soft);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 14px;
  color: var(--navy);
}

.niche-card .nc-icon svg { width: 24px; height: 24px; }

.niche-card .nc-title {
  font-size: 14px;
  font-weight: 700;
  color: var(--ink);
  margin-bottom: 4px;
}

.niche-card .nc-rate {
  font-family: 'Inter', sans-serif;
  font-size: 20px;
  font-weight: 800;
  color: var(--navy);
  font-variant-numeric: tabular-nums;
}

.niche-card .nc-label {
  font-size: 11px;
  color: var(--muted);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .05em;
  margin-top: 3px;
}

/* ================================================================
   OFFER / LENDER CARDS (niche pages)
================================================================ */
.offer-list {
  display: flex;
  flex-direction: column;
  gap: 16px;
  max-width: 900px;
  margin: 0 auto;
}

.offer-card {
  background: var(--white);
  border: 1.5px solid var(--line);
  border-radius: 12px;
  padding: 24px 28px;
  display: flex;
  align-items: center;
  gap: 24px;
  transition: box-shadow .15s;
}

.offer-card:hover { box-shadow: 0 4px 24px rgba(11,37,69,.1); }

.offer-logo {
  width: 56px;
  height: 56px;
  background: var(--navy-soft);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 14px;
  color: var(--navy);
  flex-shrink: 0;
  font-family: 'Inter', sans-serif;
}

.offer-body { flex: 1; min-width: 0; }

.offer-badge {
  display: inline-block;
  background: var(--orange-soft);
  color: var(--orange-dark);
  font-size: 11px;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: 20px;
  margin-bottom: 6px;
  letter-spacing: .04em;
  text-transform: uppercase;
}

.offer-name {
  font-size: 17px;
  font-weight: 700;
  color: var(--ink);
  margin-bottom: 4px;
}

.offer-tagline {
  font-size: 14px;
  color: var(--slate);
}

.offer-meta {
  display: flex;
  gap: 28px;
  flex-shrink: 0;
}

.offer-meta-item { text-align: center; }

.offer-meta-label {
  font-size: 11px;
  color: var(--muted);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .04em;
  margin-bottom: 3px;
}

.offer-meta-value {
  font-family: 'Inter', sans-serif;
  font-size: 18px;
  font-weight: 800;
  color: var(--ink);
  font-variant-numeric: tabular-nums;
}

.offer-cta-wrap { flex-shrink: 0; }

/* ================================================================
   RATE TABLE
================================================================ */
.rate-table-wrap { overflow-x: auto; }

.rate-table {
  width: 100%;
  border-collapse: collapse;
}

.rate-table th {
  background: var(--navy);
  color: var(--white);
  padding: 12px 16px;
  font-size: 13px;
  font-weight: 700;
  text-align: left;
  text-transform: uppercase;
  letter-spacing: .06em;
}

.rate-table td {
  padding: 14px 16px;
  border-bottom: 1px solid var(--line);
  font-size: 14px;
  color: var(--ink);
}

.rate-table tr:hover td { background: var(--cream); }

.rate-table .rate-val {
  font-weight: 800;
  color: var(--navy);
  font-variant-numeric: tabular-nums;
}

/* ================================================================
   BREADCRUMB
================================================================ */
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  color: var(--muted);
  margin-bottom: 24px;
}

.breadcrumb a { color: var(--muted); }
.breadcrumb a:hover { color: var(--navy); }
.breadcrumb-sep { color: var(--line); }

/* ================================================================
   FILTER BAR
================================================================ */
.filter-bar {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 16px 20px;
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  align-items: center;
  margin-bottom: 28px;
}

.filter-label {
  font-size: 12px;
  font-weight: 700;
  color: var(--slate);
  text-transform: uppercase;
  letter-spacing: .05em;
}

.filter-chips {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}

.filter-chip {
  padding: 7px 16px;
  border-radius: 999px;
  border: 1.5px solid var(--line);
  font-size: 13px;
  font-weight: 600;
  color: var(--slate);
  cursor: pointer;
  transition: all .15s;
  background: var(--white);
}

.filter-chip.active          { background: var(--navy); color: var(--white); border-color: var(--navy); }
.filter-chip:hover:not(.active) { border-color: var(--navy); color: var(--navy); }

/* ================================================================
   DUAL CTA STRIP
================================================================ */
.dual-cta {
  background: var(--navy);
  color: var(--white);
  padding: 48px 0;
  margin-top: 48px;
}

.dual-cta h2 {
  font-family: 'Source Serif 4', Georgia, serif;
  font-size: 30px;
  color: var(--white);
  margin-bottom: 8px;
}

.dual-cta p {
  color: rgba(255,255,255,.7);
  margin-bottom: 28px;
}

.dual-cta-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  max-width: 720px;
  margin: 0 auto;
}

.dual-cta-card {
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: 12px;
  padding: 24px;
  text-align: center;
}

.dual-cta-card h3 {
  font-size: 18px;
  color: var(--white);
  margin-bottom: 8px;
}

.dual-cta-card p {
  font-size: 14px;
  color: rgba(255,255,255,.65);
  margin-bottom: 16px;
}

/* ================================================================
   FAQ
================================================================ */
.faq {
  max-width: 740px;
  margin: 0 auto;
}

.faq-item {
  border-bottom: 1px solid var(--line);
  padding: 20px 0;
}

.faq-q {
  font-size: 16px;
  font-weight: 700;
  color: var(--ink);
  margin-bottom: 10px;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  background: none;
  border: none;
  width: 100%;
  text-align: left;
  font-family: inherit;
}

.faq-q:hover { color: var(--navy); }

.faq-a {
  font-size: 15px;
  color: var(--slate);
  line-height: 1.7;
  max-height: 0;
  overflow: hidden;
  transition: max-height .3s ease, padding .3s ease;
}

.faq-item.open .faq-a { max-height: 400px; }

/* ================================================================
   STICKY CTA BAR
================================================================ */
.sticky-cta {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: var(--navy);
  color: var(--white);
  padding: 14px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  z-index: 300;
  transform: translateY(100%);
  transition: transform .3s ease;
}

.sticky-cta.visible { transform: translateY(0); }

.sticky-cta p {
  font-size: 14px;
  color: rgba(255,255,255,.8);
  margin: 0;
}

.sticky-cta strong { color: var(--white); }

/* ================================================================
   ADVERTISER DISCLOSURE
================================================================ */
.adv-disclosure {
  font-size: 12px;
  color: var(--muted);
  line-height: 1.6;
  padding: 12px 16px;
  background: var(--cream);
  border-radius: 8px;
  border-left: 3px solid var(--line);
  margin-bottom: 24px;
}

/* ================================================================
   LAST UPDATED BADGE
================================================================ */
.last-updated {
  font-size: 12px;
  color: var(--muted);
  font-weight: 600;
  margin-bottom: 16px;
}

/* ================================================================
   FOOTER
================================================================ */
.urh-footer {
  background: var(--navy);
  color: rgba(255,255,255,.7);
  padding: 48px 0 24px;
}

.urh-footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 32px;
  margin-bottom: 36px;
}

.urh-footer h4 {
  color: var(--white);
  font-size: 14px;
  font-weight: 700;
  margin-bottom: 16px;
  text-transform: uppercase;
  letter-spacing: .06em;
}

.urh-footer a {
  color: rgba(255,255,255,.6);
  font-size: 14px;
  display: block;
  margin-bottom: 10px;
  transition: color .15s;
}

.urh-footer a:hover { color: var(--white); }

.urh-footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1);
  padding-top: 20px;
  font-size: 12px;
  color: rgba(255,255,255,.4);
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
}

/* ================================================================
   SCROLLING RATE TICKER (top-of-page banner)
================================================================ */
.rate-ticker {
  display: block;
  width: 100%;
  height: 44px;
  background: var(--navy-dark);
  border-bottom: 1px solid rgba(255,255,255,.06);
  overflow: hidden;
  position: relative;
}

.rate-ticker-viewport {
  height: 100%;
  overflow: hidden;
  -webkit-mask-image: linear-gradient(to right, transparent 0, #000 48px, #000 calc(100% - 48px), transparent 100%);
          mask-image: linear-gradient(to right, transparent 0, #000 48px, #000 calc(100% - 48px), transparent 100%);
}

.rate-ticker-track {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  height: 100%;
  padding: 0 12px;
  white-space: nowrap;
  will-change: transform;
  animation: ticker-scroll 60s linear infinite;
}

.rate-ticker:hover .rate-ticker-track,
.rate-ticker:focus-within .rate-ticker-track {
  animation-play-state: paused;
}

@keyframes ticker-scroll {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}

.ticker-pill {
  display: inline-flex;
  align-items: baseline;
  gap: 6px;
  padding: 4px 12px;
  border-radius: 999px;
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.06);
  font-size: 13px;
  line-height: 1.2;
}

.ticker-pill .pill-label  { color: #CBD5E1; font-weight: 400; }
.ticker-pill .pill-rate   { color: #FFFFFF; font-weight: 700; font-variant-numeric: tabular-nums; }
.ticker-pill .pill-apr    { color: #94A3B8; font-size: 11px; font-weight: 500; letter-spacing: .04em; }
.ticker-pill .delta-up    { color: #DC2626; font-weight: 600; font-size: 12px; }
.ticker-pill .delta-down  { color: #16A34A; font-weight: 600; font-size: 12px; }
.ticker-pill .delta-flat  { color: #94A3B8; font-weight: 600; font-size: 12px; }

@media (prefers-reduced-motion: reduce) {
  .rate-ticker-track {
    animation: none;
    flex-wrap: wrap;
    white-space: normal;
  }
}

/* ================================================================
   SECTION HEADER (shared)
================================================================ */
.section-header {
  text-align: center;
  margin-bottom: 40px;
}

.section-header h2 {
  font-size: clamp(26px, 3vw, 36px);
  color: var(--ink);
  margin-bottom: 12px;
}

.section-header p {
  font-size: 16px;
  color: var(--slate);
  max-width: 540px;
  margin: 0 auto;
}

/* ================================================================
   TRUST / STATS STRIP
================================================================ */
.trust-stats {
  display: flex;
  flex-wrap: wrap;
  gap: 40px;
  justify-content: center;
  padding: 48px 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.trust-stat { text-align: center; }

.trust-stat-value {
  display: block;
  font-size: 32px;
  font-weight: 800;
  color: var(--navy);
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.02em;
}

.trust-stat-label {
  display: block;
  font-size: 13px;
  color: var(--muted);
  margin-top: 4px;
  font-weight: 500;
}

/* ================================================================
   FORM / WIDGET (multi-step rate finder)
================================================================ */
.rate-widget {
  background: var(--white);
  border-radius: 16px;
  box-shadow: 0 8px 40px rgba(11,37,69,.14);
  border-top: 4px solid var(--orange);
  overflow: hidden;
}

.widget-header { padding: 24px 28px 0; }
.widget-title  { font-size: 17px; font-weight: 700; color: var(--ink); margin-bottom: 4px; }
.widget-subtitle { font-size: 13px; color: var(--muted); }

.widget-progress {
  padding: 16px 28px 0;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.progress-labels { display: flex; justify-content: space-between; align-items: center; }
.progress-step-label { font-size: 12px; font-weight: 600; color: var(--muted); }
.progress-count      { font-size: 12px; font-weight: 600; color: var(--navy); }

.progress-track {
  height: 4px;
  background: var(--line);
  border-radius: 999px;
  overflow: hidden;
}

.progress-fill {
  height: 100%;
  background: var(--orange);
  border-radius: 999px;
  transition: width 350ms cubic-bezier(.4,0,.2,1);
}

.widget-body { padding: 24px 28px; }
.form-step   { display: none; }
.form-step.active { display: block; }

.step-title {
  font-size: 15px;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 20px;
}

/* Type selection cards */
.type-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}

.type-card { position: relative; cursor: pointer; }

.type-card input[type="radio"] {
  position: absolute;
  opacity: 0;
  width: 0;
  height: 0;
}

.type-card-inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 18px 14px;
  border: 2px solid var(--line);
  border-radius: 10px;
  background: var(--white);
  transition: border-color .15s, background .15s, box-shadow .15s;
  min-height: 90px;
  text-align: center;
  user-select: none;
}

.type-card:hover .type-card-inner {
  border-color: var(--navy);
  background: var(--navy-soft);
}

.type-card input:checked ~ .type-card-inner {
  border-color: var(--orange);
  background: var(--orange-soft);
  box-shadow: 0 0 0 3px rgba(249,115,22,.12);
}

.type-card-label { font-size: 13px; font-weight: 600; color: var(--ink); }

/* Slider */
.slider-section { margin-bottom: 20px; }

.slider-header {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 14px;
}

.slider-label { font-size: 14px; font-weight: 600; color: var(--ink); }

.slider-amount-display {
  font-size: 24px;
  font-weight: 800;
  color: var(--navy);
  font-variant-numeric: tabular-nums;
}

input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 999px;
  background: var(--line);
  outline: none;
  cursor: pointer;
  --slider-fill: 0%;
}

input[type="range"]::-webkit-slider-runnable-track {
  height: 6px;
  border-radius: 999px;
  background: linear-gradient(
    to right,
    var(--orange) 0%,
    var(--orange) var(--slider-fill),
    var(--line) var(--slider-fill),
    var(--line) 100%
  );
}

input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--orange);
  border: 3px solid var(--white);
  box-shadow: 0 2px 8px rgba(249,115,22,.4);
  cursor: pointer;
  transition: transform .15s;
}

input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.15); }

input[type="range"]::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--orange);
  border: 3px solid var(--white);
  cursor: pointer;
}

.slider-endpoints {
  display: flex;
  justify-content: space-between;
  font-size: 12px;
  color: var(--muted);
  font-weight: 500;
  margin-top: 6px;
}

/* Credit score cards */
.credit-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}

.credit-card { position: relative; cursor: pointer; }

.credit-card input[type="radio"] {
  position: absolute;
  opacity: 0;
  width: 0;
  height: 0;
}

.credit-card-inner {
  display: flex;
  flex-direction: column;
  gap: 4px;
  padding: 14px;
  border: 2px solid var(--line);
  border-radius: 10px;
  background: var(--white);
  transition: border-color .15s, background .15s;
  user-select: none;
}

.credit-card:hover .credit-card-inner      { border-color: var(--navy); background: var(--navy-soft); }
.credit-card input:checked ~ .credit-card-inner {
  border-color: var(--orange);
  background: var(--orange-soft);
  box-shadow: 0 0 0 3px rgba(249,115,22,.12);
}

.credit-tier  { font-size: 14px; font-weight: 700; color: var(--ink); }
.credit-range { font-size: 12px; color: var(--muted); font-weight: 500; }

/* Contact fields */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.field-full { grid-column: 1 / -1; }

.field-group { display: flex; flex-direction: column; gap: 6px; }

.field-label { font-size: 13px; font-weight: 600; color: var(--ink); }
.field-label sup { color: var(--orange); font-size: 10px; margin-left: 2px; }

.field-input,
.field-select {
  width: 100%;
  padding: 10px 14px;
  border: 1.5px solid var(--line);
  border-radius: 8px;
  font-family: 'Inter', sans-serif;
  font-size: 15px;
  color: var(--ink);
  background: var(--bg);
  transition: border-color .15s, background .15s;
  -webkit-appearance: none;
  appearance: none;
}

.field-input:focus,
.field-select:focus {
  outline: none;
  border-color: var(--orange);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(249,115,22,.1);
}

.field-select-wrap { position: relative; }

.field-select-wrap::after {
  content: '';
  position: absolute;
  right: 14px;
  top: 50%;
  transform: translateY(-50%);
  border-left: 4px solid transparent;
  border-right: 4px solid transparent;
  border-top: 5px solid var(--muted);
  pointer-events: none;
}

/* TCPA */
.tcpa-box {
  background: var(--bg);
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 16px;
  margin-bottom: 20px;
}

.tcpa-check-row { display: flex; align-items: flex-start; gap: 12px; margin-bottom: 12px; }
.tcpa-checkbox  { width: 18px; height: 18px; accent-color: var(--orange); flex-shrink: 0; margin-top: 2px; cursor: pointer; }
.tcpa-check-label { font-size: 13px; font-weight: 600; color: var(--ink); line-height: 1.4; }
.tcpa-text        { font-size: 12px; color: var(--muted); line-height: 1.6; }
.tcpa-text a      { color: var(--navy); text-decoration: underline; }

/* Nav buttons */
.widget-nav {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-top: 20px;
}

.btn-back {
  background: transparent;
  color: var(--muted);
  border: 1.5px solid var(--line);
  padding: 10px 20px;
  border-radius: 8px;
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  transition: border-color .15s, color .15s;
}

.btn-back:hover { border-color: var(--muted); color: var(--ink); }

.btn-next {
  flex: 1;
  background: var(--orange);
  color: var(--white);
  border: none;
  padding: 12px 24px;
  border-radius: 8px;
  font-family: 'Inter', sans-serif;
  font-size: 15px;
  font-weight: 700;
  cursor: pointer;
  transition: background .15s, transform .15s;
}

.btn-next:hover { background: var(--orange-dark); transform: translateY(-1px); }

.btn-submit-final {
  width: 100%;
  background: var(--navy);
  color: var(--white);
  border: none;
  padding: 16px 24px;
  border-radius: 8px;
  font-family: 'Inter', sans-serif;
  font-size: 16px;
  font-weight: 700;
  cursor: pointer;
  transition: background .15s, transform .15s;
}

.btn-submit-final:hover     { background: var(--navy-dark); transform: translateY(-1px); }
.btn-submit-final:disabled  { opacity: .6; cursor: not-allowed; transform: none; }

/* Success + loading states */
.success-state {
  display: none;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 40px 28px;
  gap: 16px;
}

.success-state.visible { display: flex; }

.widget-loading {
  display: none;
  flex-direction: column;
  align-items: center;
  padding: 48px 28px;
  gap: 16px;
  text-align: center;
}

.widget-loading.visible { display: flex; }

.spinner {
  width: 40px;
  height: 40px;
  border: 3px solid var(--line);
  border-top-color: var(--orange);
  border-radius: 50%;
  animation: spin 700ms linear infinite;
}

@keyframes spin { to { transform: rotate(360deg); } }

/* ================================================================
   UTILITIES
================================================================ */
.text-center  { text-align: center; }
.text-muted   { color: var(--muted); }
.fw-800       { font-weight: 800; }
.mt-8         { margin-top: 8px; }
.mt-16        { margin-top: 16px; }
.mt-24        { margin-top: 24px; }
.mb-8         { margin-bottom: 8px; }
.mb-16        { margin-bottom: 16px; }
.mb-24        { margin-bottom: 24px; }

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

/* ================================================================
   RESPONSIVE
================================================================ */

/* Tablet — 1024px */
@media (max-width: 1024px) {
  .urh-footer-grid { grid-template-columns: 1fr 1fr; }
  .niche-grid       { grid-template-columns: repeat(3, 1fr); }
}

/* Mobile — 880px */
@media (max-width: 880px) {
  .urh-nav-tabs { display: none; }

  .urh-hero-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .urh-hero h1 { font-size: 38px; }

  .niche-grid { grid-template-columns: repeat(2, 1fr); }

  .offer-card  { flex-wrap: wrap; }
  .offer-meta  { flex-wrap: wrap; justify-content: flex-start; }

  .dual-cta-grid  { grid-template-columns: 1fr; }
  .urh-footer-grid { grid-template-columns: 1fr 1fr; }

  .urh-hero { padding: 48px 0 40px; }
}

/* Small mobile — 640px */
@media (max-width: 640px) {
  .urh-hero h1   { font-size: 30px; }
  .section       { padding: 48px 0; }
  .section-sm    { padding: 28px 0; }

  .niche-grid       { grid-template-columns: repeat(2, 1fr); }
  .urh-footer-grid  { grid-template-columns: 1fr; }

  .contact-grid { grid-template-columns: 1fr; }
  .field-full   { grid-column: 1; }

  .type-grid    { grid-template-columns: 1fr 1fr; }
  .credit-grid  { grid-template-columns: 1fr 1fr; }

  .offer-meta-value { font-size: 15px; }

  .rate-ticker { height: 36px; }
  .ticker-pill { font-size: 12px; padding: 3px 10px; }

  .sticky-cta { flex-direction: column; gap: 10px; text-align: center; padding: 14px 16px; }

  .urh-footer-bottom { flex-direction: column; gap: 8px; }

  .trust-stats { gap: 24px; }
}