/* =====================================================================
   Loan Guidelines page (2026-09 redesign)
   Palette: navy #1d407e, deep navy #16305d, yellow #fde362
   All classes are prefixed .lg- so nothing leaks into other pages.
   ===================================================================== */
.lg-page {
  --lg-navy: #1d407e;
  --lg-navy-deep: #16305d;
  --lg-yellow: #fde362;
  --lg-ink: #1f2a3d;
  --lg-muted: #5b6678;
  --lg-line: #e3e8f1;
  background: linear-gradient(to bottom, #fde362 0, #fff7cf 260px, #ffffff 620px);
  padding: clamp(28px, 5vw, 56px) 0 clamp(48px, 7vw, 80px);
  color: var(--lg-ink);
}
.lg-wrap { max-width: 1120px; margin: 0 auto; padding: 0 16px; }

/* ---- Hero ---- */
.lg-hero { text-align: center; max-width: 760px; margin: 0 auto clamp(22px, 4vw, 34px); }
.lg-eyebrow {
  display: inline-flex; align-items: center; gap: 6px;
  background: var(--lg-navy); color: var(--lg-yellow);
  font-size: 13px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase;
  padding: 6px 14px; border-radius: 999px; margin-bottom: 14px;
}
.lg-hero h1 {
  color: var(--lg-navy); font-weight: 800; line-height: 1.15;
  margin: 0 0 12px; font-size: clamp(28px, 5vw, 44px);
}
.lg-hero h1 span { background: linear-gradient(transparent 62%, rgba(255,255,255,.85) 62%); padding: 0 4px; }
.lg-hero p { color: var(--lg-navy-deep); font-size: clamp(16px, 2.2vw, 18px); margin: 0; }

/* ---- Step jump bar ---- */
.lg-stepper {
  display: flex; align-items: center; justify-content: center; gap: 10px;
  max-width: 640px; margin: 0 auto clamp(28px, 5vw, 44px);
  background: #fff; border-radius: 999px; padding: 8px;
  box-shadow: 0 8px 24px rgba(22, 48, 93, .12);
}
.lg-stepper-item {
  display: flex; align-items: center; gap: 8px; flex: 0 1 auto;
  text-decoration: none; color: var(--lg-navy); font-weight: 700; font-size: 15px;
  padding: 6px 12px 6px 6px; border-radius: 999px; transition: background .2s;
  white-space: nowrap;
}
.lg-stepper-item:hover, .lg-stepper-item:focus-visible { background: #eef2fa; color: var(--lg-navy); text-decoration: none; }
.lg-stepper-num {
  width: 30px; height: 30px; border-radius: 50%; display: grid; place-items: center;
  background: var(--lg-navy); color: var(--lg-yellow); font-size: 14px; flex: 0 0 30px;
}
.lg-stepper-line { flex: 1 1 24px; height: 2px; background: var(--lg-line); min-width: 12px; }

/* ---- Steps (timeline) ---- */
.lg-steps { list-style: none; margin: 0; padding: 0; position: relative; }
.lg-steps::before {               /* vertical timeline rail */
  content: ""; position: absolute; left: 31px; top: 40px; bottom: 40px;
  width: 3px; background: linear-gradient(var(--lg-navy), var(--lg-yellow));
  border-radius: 3px; opacity: .35;
}
.lg-step {
  position: relative; background: #fff; border-radius: 18px;
  margin: 0 0 24px 72px; padding: clamp(20px, 3.5vw, 34px);
  box-shadow: 0 14px 40px rgba(22, 48, 93, .12), 0 2px 6px rgba(22, 48, 93, .05);
  border-top: 4px solid var(--lg-navy);
  scroll-margin-top: 90px;
}
.lg-step-head { display: flex; align-items: center; gap: 16px; margin-bottom: 18px; }
.lg-step-badge {
  position: absolute; left: -72px; top: clamp(20px, 3.5vw, 34px);
  width: 64px; height: 64px; border-radius: 50%; display: grid; place-items: center;
  background: linear-gradient(160deg, var(--lg-navy), var(--lg-navy-deep));
  color: var(--lg-yellow); font-size: 26px;
  box-shadow: 0 0 0 6px #fff, 0 8px 20px rgba(22, 48, 93, .25);
}
.lg-step-kicker {
  display: inline-block; font-size: 13px; font-weight: 700; letter-spacing: .06em;
  text-transform: uppercase; color: var(--lg-navy); background: rgba(253, 227, 98, .55);
  padding: 3px 10px; border-radius: 6px; margin-bottom: 6px;
}
.lg-step h2 {
  color: var(--lg-navy-deep); font-weight: 800; margin: 0; text-align: left;
  font-size: clamp(21px, 3vw, 28px); line-height: 1.2;
}
.lg-lead { color: var(--lg-muted); font-size: 16px; margin: 0 0 14px; }

/* ---- Feature items ---- */
.lg-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.lg-grid-2 { grid-template-columns: repeat(2, 1fr); }
.lg-item {
  background: #f6f8fc; border: 1px solid var(--lg-line); border-radius: 14px;
  padding: 18px; min-width: 0; transition: transform .2s, box-shadow .2s;
}
.lg-item:hover { transform: translateY(-2px); box-shadow: 0 10px 22px rgba(22, 48, 93, .10); }
.lg-item > i {
  display: inline-grid; place-items: center; width: 42px; height: 42px; border-radius: 12px;
  background: var(--lg-navy); color: var(--lg-yellow); font-size: 20px; margin-bottom: 12px;
}
.lg-item h3 { font-size: 17px; font-weight: 700; color: var(--lg-navy); margin: 0 0 6px; }
.lg-item p { font-size: 15px; line-height: 1.55; color: var(--lg-ink); margin: 0; }
.lg-link {
  display: inline-block; margin-top: 6px; font-weight: 700; color: var(--lg-navy);
  word-break: break-all; text-decoration: underline; text-decoration-color: var(--lg-yellow);
  text-decoration-thickness: 3px; text-underline-offset: 3px;
}

.lg-sub { font-size: 19px; font-weight: 800; color: var(--lg-navy-deep); margin: 26px 0 4px; }

/* ---- Disbursement options ---- */
.lg-options { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
.lg-option {
  position: relative; border-radius: 14px; padding: 22px 20px 20px; color: #fff; overflow: hidden;
  background: linear-gradient(160deg, var(--lg-navy), var(--lg-navy-deep));
}
.lg-option::after {
  content: ""; position: absolute; right: -60px; bottom: -60px; width: 180px; height: 180px;
  border-radius: 50%; background: radial-gradient(circle, rgba(253,227,98,.30), transparent 70%);
  pointer-events: none;
}
.lg-option-tag {
  display: inline-block; background: var(--lg-yellow); color: var(--lg-navy-deep);
  font-weight: 800; font-size: 12px; letter-spacing: .06em; text-transform: uppercase;
  padding: 3px 10px; border-radius: 999px; margin-bottom: 12px;
}
.lg-option > i { display: block; font-size: 28px; color: var(--lg-yellow); margin-bottom: 8px; }
.lg-option h4 { color: #fff; font-size: 18px; font-weight: 700; margin: 0 0 6px; }
.lg-option p { color: rgba(255,255,255,.85); font-size: 15px; line-height: 1.55; margin: 0; position: relative; }

/* ---- Buttons ---- */
.lg-step-cta { margin-top: 20px; }
.lg-btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font-weight: 700; font-size: 16px; padding: 12px 22px; border-radius: 12px;
  text-decoration: none; transition: background .2s, color .2s, transform .15s;
  min-height: 48px;
}
.lg-btn:hover { text-decoration: none; transform: translateY(-1px); }
.lg-btn-primary { background: var(--lg-navy); color: #fff; }
.lg-btn-primary:hover { background: var(--lg-yellow); color: var(--lg-navy-deep); }
.lg-btn-yellow { background: var(--lg-yellow); color: var(--lg-navy-deep); }
.lg-btn-yellow:hover { background: #fff; color: var(--lg-navy-deep); }
.lg-btn-ghost { border: 2px solid rgba(255,255,255,.6); color: #fff; }
.lg-btn-ghost:hover { border-color: var(--lg-yellow); color: var(--lg-yellow); }

/* ---- CTA band ---- */
.lg-cta {
  display: flex; align-items: center; justify-content: space-between; gap: 24px;
  margin-top: clamp(28px, 5vw, 40px); padding: clamp(22px, 4vw, 36px);
  border-radius: 18px; color: #fff;
  background: linear-gradient(135deg, var(--lg-navy), var(--lg-navy-deep));
  box-shadow: 0 18px 48px rgba(22, 48, 93, .22);
}
.lg-cta h2 { color: #fff; text-align: left; font-weight: 800; font-size: clamp(22px, 3vw, 28px); margin: 0 0 6px; }
.lg-cta p { color: rgba(255,255,255,.82); margin: 0 0 14px; font-size: 16px; }
.lg-contact { list-style: none; padding: 0; margin: 0; display: grid; gap: 6px; font-size: 15px; }
.lg-contact i { color: var(--lg-yellow); margin-right: 6px; }
.lg-contact a { color: #fff; text-decoration: underline; word-break: break-all; }
.lg-cta-actions { display: flex; flex-direction: column; gap: 10px; flex: 0 0 auto; }

/* ================= Responsive ================= */
@media (max-width: 991.98px) {
  .lg-grid { grid-template-columns: 1fr 1fr; }
  .lg-grid > .lg-item:last-child:nth-child(odd) { grid-column: 1 / -1; }
  .lg-cta { flex-direction: column; align-items: stretch; }
  .lg-cta-actions { flex-direction: row; flex-wrap: wrap; }
  .lg-cta-actions .lg-btn { flex: 1 1 180px; }
}

@media (max-width: 767.98px) {
  /* Timeline collapses: badge moves inside the card */
  .lg-steps::before { display: none; }
  .lg-step { margin-left: 0; margin-bottom: 18px; }
  .lg-step-badge {
    position: static; width: 52px; height: 52px; font-size: 22px; flex: 0 0 52px;
    box-shadow: 0 6px 16px rgba(22, 48, 93, .22);
  }
  .lg-grid, .lg-grid-2, .lg-options { grid-template-columns: 1fr; gap: 12px; }
  .lg-step-cta .lg-btn { width: 100%; }
}

@media (max-width: 479.98px) {
  .lg-stepper { gap: 4px; padding: 6px; }
  .lg-stepper-item { flex-direction: column; gap: 4px; padding: 4px 6px; font-size: 12px; white-space: normal; text-align: center; }
  .lg-stepper-line { min-width: 8px; }
  .lg-step-head { align-items: flex-start; gap: 12px; }
  .lg-item { padding: 16px; }
  .lg-cta-actions { flex-direction: column; }
  .lg-cta-actions .lg-btn { flex: 0 0 auto; width: 100%; }
}

@media (prefers-reduced-motion: reduce) {
  .lg-item, .lg-btn { transition: none; }
  .lg-item:hover, .lg-btn:hover { transform: none; }
}