/* WithU Loans — Forest & Champagne Design System */
@import url('https://fonts.googleapis.com/css2?family=Lora:ital,wght@0,400;0,600;0,700;1,400;1,600&family=Plus+Jakarta+Sans:wght@300;400;500;600&display=swap');

:root {
  --cream:#faf8f3; --warm-white:#f5f2eb; --sand:#e8ede6; --sand-dark:#d4ddd0; --light:#d8e0d5;
  --forest:#2a3d28; --forest-mid:#3d5a39;
  --gold:#e4c97a; --gold-dark:#c9a84c; --gold-pale:#f5ecd0;
  --text:#1a1a1a; --mid:#5a5a5a;
  /* legacy aliases */
  --navy:#2a3d28; --navy-mid:#3d5a39; --accent:#e4c97a; --accent-light:#c9a84c;
  --blue:#3d5a39; --white:#ffffff; --off-white:#f5f2eb; --gray:#5a5a5a; --light-gray:#d8e0d5;
  --radius:10px;
  --shadow:0 4px 24px rgba(42,61,40,.10);
  --shadow-lg:0 12px 48px rgba(42,61,40,.16);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Plus Jakarta Sans',sans-serif;color:var(--text);background:var(--cream);line-height:1.72;font-size:16px;font-weight:300}
h1,h2,h3,h4,h5{font-family:'Lora',serif;line-height:1.2;color:var(--forest)}
a{color:var(--forest-mid);text-decoration:none}
a:hover{color:var(--gold-dark)}
.container{max-width:1200px;margin:0 auto;padding:0 28px}

/* NAV */
nav{background:var(--forest);position:sticky;top:0;z-index:999;box-shadow:0 2px 16px rgba(42,61,40,.25);border-bottom:1px solid rgba(228,201,122,.25)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;padding:0 28px;max-width:1200px;margin:0 auto;height:70px}
.nav-logo{font-family:'Lora',serif;font-size:1.5rem;font-weight:600;color:#fff;letter-spacing:-.01em}
.nav-logo span,.nav-logo em{color:var(--gold);font-style:italic}
.nav-links{display:flex;gap:4px;align-items:center}
.nav-links a{color:rgba(255,255,255,.72);font-size:.875rem;font-weight:400;padding:8px 14px;border-radius:8px;transition:all .18s}
.nav-links a:hover,.nav-links a.active{color:#fff;background:rgba(255,255,255,.1)}
.nav-cta,.btn-cta{background:var(--gold)!important;color:var(--forest)!important;font-weight:600!important;padding:10px 22px!important;border-radius:8px!important}
.nav-cta:hover,.btn-cta:hover{background:var(--gold-dark)!important}

/* FOOTER */
footer{background:var(--forest);color:rgba(255,255,255,.7);padding:64px 0 28px;margin-top:80px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px;padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,.1)}
.footer-brand p{margin-top:12px;font-size:.9rem;line-height:1.7}
.footer-col h4{font-family:'Plus Jakarta Sans',sans-serif;font-size:.75rem;font-weight:600;text-transform:uppercase;letter-spacing:.12em;color:var(--gold);margin-bottom:16px}
.footer-col a{display:block;color:rgba(255,255,255,.6);font-size:.875rem;padding:4px 0;transition:color .18s}
.footer-col a:hover{color:var(--gold)}
.footer-bottom{padding-top:24px;display:flex;justify-content:space-between;align-items:center;font-size:.8rem;color:rgba(255,255,255,.38);flex-wrap:wrap;gap:12px}
.footer-logo{font-family:'Lora',serif;font-size:1.25rem;font-weight:600;color:#fff}
.footer-logo span,.footer-logo em{color:var(--gold);font-style:italic}

/* BUTTONS */
.btn{display:inline-block;padding:14px 32px;border-radius:var(--radius);font-weight:600;font-size:.9rem;transition:all .2s;cursor:pointer;border:none;font-family:'Plus Jakarta Sans',sans-serif}
.btn-primary{background:var(--gold);color:var(--forest);box-shadow:0 4px 20px rgba(228,201,122,.3)}
.btn-primary:hover{background:var(--gold-dark);color:var(--forest);transform:translateY(-2px);box-shadow:0 8px 28px rgba(228,201,122,.38)}
.btn-outline{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.4)}
.btn-outline:hover{border-color:var(--gold);color:var(--gold)}
.btn-secondary{background:transparent;color:var(--forest);border:1.5px solid var(--light)}
.btn-secondary:hover{border-color:var(--gold-dark);color:var(--gold-dark)}

/* SECTIONS */
.section{padding:80px 0}
.section-alt{background:var(--sand)}
.section-warm{background:var(--warm-white)}
.section-dark{background:var(--forest);color:rgba(255,255,255,.82)}
.section-dark h2,.section-dark h3,.section-dark h4{color:#fff}
.section-label{font-size:.72rem;font-weight:600;text-transform:uppercase;letter-spacing:.14em;color:var(--gold-dark);margin-bottom:12px;display:block}
.section-title{font-size:clamp(1.8rem,3.5vw,2.8rem);margin-bottom:16px}
.section-sub{color:var(--mid);max-width:580px;font-weight:300}

/* PAGE HERO */
.page-hero{background:linear-gradient(135deg,var(--forest) 0%,var(--forest-mid) 65%,#4a6e46 100%);padding:72px 0;position:relative;overflow:hidden}
.page-hero::before{content:'';position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg width='80' height='80' viewBox='0 0 80 80' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23e4c97a' fill-opacity='0.05'%3E%3Ccircle cx='40' cy='40' r='28'/%3E%3C/g%3E%3C/svg%3E")}
.page-hero h1{color:#fff;font-size:clamp(1.9rem,4vw,3rem)}
.page-hero p{color:rgba(255,255,255,.72);margin-top:16px;font-size:1.05rem;max-width:640px}
.breadcrumb{font-size:.82rem;color:rgba(255,255,255,.45);margin-bottom:16px}
.breadcrumb a{color:var(--gold)}
.breadcrumb span{margin:0 8px}

/* CARDS */
.card{background:#fff;border-radius:16px;padding:32px;border:1.5px solid var(--light);box-shadow:var(--shadow);transition:transform .2s,box-shadow .2s,border-color .2s}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg);border-color:var(--sand-dark)}

/* BADGE */
.badge{display:inline-block;padding:4px 12px;border-radius:100px;font-size:.75rem;font-weight:600;background:rgba(228,201,122,.18);color:var(--forest)}
.badge-green{background:rgba(42,61,40,.1);color:var(--forest-mid)}

/* TRUST BAR */
.trust-bar{background:var(--sand);border-top:1px solid var(--sand-dark);border-bottom:1px solid var(--sand-dark);padding:20px 0}
.trust-items{display:flex;gap:40px;align-items:center;justify-content:center;flex-wrap:wrap}
.trust-item{display:flex;align-items:center;gap:10px;font-size:.85rem;font-weight:500;color:var(--forest)}
.trust-icon{font-size:1.1rem}

/* STARS */
.stars{color:#c9a84c;font-size:1rem;letter-spacing:2px}

/* AUTHOR / E-E-A-T */
.author-box{background:var(--sand);border:1.5px solid var(--sand-dark);border-radius:14px;padding:28px 32px;display:flex;gap:20px;align-items:flex-start;margin:40px 0}
.author-avatar{width:56px;height:56px;border-radius:50%;background:var(--forest);display:flex;align-items:center;justify-content:center;font-family:'Lora',serif;font-size:1.4rem;color:var(--gold);flex-shrink:0}
.author-info strong{font-size:.92rem;font-weight:600;color:var(--forest)}
.author-info span{font-size:.78rem;color:var(--mid);display:block;margin-top:2px}
.author-info p{font-size:.82rem;color:var(--mid);margin-top:8px;line-height:1.65;font-weight:300}

/* RATING PILL */
.rating-pill{background:var(--sand);border:1.5px solid var(--sand-dark);border-radius:100px;padding:10px 20px;display:inline-flex;align-items:center;gap:8px}
.rating-num{font-family:'Lora',serif;font-size:1.2rem;font-weight:600;color:var(--text)}
.rating-stars{color:#c9a84c;font-size:.85rem}
.rating-count{font-size:.72rem;color:var(--mid)}

/* PROSE (blog articles) */
.prose h2{font-size:1.6rem;margin:40px 0 16px;color:var(--forest)}
.prose h3{font-size:1.2rem;margin:28px 0 12px;color:var(--forest-mid)}
.prose p{margin-bottom:20px;color:var(--mid);line-height:1.85;font-weight:300}
.prose ul,.prose ol{margin:0 0 20px 24px;color:var(--mid);line-height:1.85;font-weight:300}
.prose li{margin-bottom:6px}
.prose strong{color:var(--text);font-weight:600}
.prose a{color:var(--forest-mid);text-decoration:underline;text-underline-offset:3px}
.prose a:hover{color:var(--gold-dark)}
.prose blockquote{border-left:3px solid var(--gold);padding:16px 24px;margin:24px 0;background:var(--sand);border-radius:0 10px 10px 0;font-family:'Lora',serif;font-style:italic;color:var(--forest)}

/* TABLE */
.data-table{width:100%;border-collapse:collapse;margin:24px 0;font-size:.9rem}
.data-table th{background:var(--forest);color:#fff;padding:12px 16px;text-align:left;font-weight:600;font-size:.8rem;letter-spacing:.04em}
.data-table td{padding:12px 16px;border-bottom:1px solid var(--light);color:var(--mid)}
.data-table tr:hover td{background:var(--sand)}
.data-table .highlight td{background:rgba(228,201,122,.12);font-weight:500;color:var(--text)}

/* FORM */
.form-group{margin-bottom:18px}
.form-group label{display:block;font-size:.78rem;font-weight:600;color:var(--forest);margin-bottom:6px;letter-spacing:.02em}
.form-group input,.form-group select,.form-group textarea{width:100%;padding:12px 16px;border:1.5px solid var(--light);border-radius:10px;font-family:'Plus Jakarta Sans',sans-serif;font-size:.9rem;color:var(--text);background:#fff;transition:border-color .2s}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{outline:none;border-color:var(--gold-dark);box-shadow:0 0 0 3px rgba(228,201,122,.2)}
.form-group select option{background:#fff;color:var(--text)}

/* FAQ */
.faq-item{border-bottom:1px solid var(--light);padding:20px 0}
.faq-q{font-family:'Lora',serif;font-size:1rem;font-weight:600;color:var(--forest);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq-q::after{content:'+';font-size:1.3rem;color:var(--gold-dark);flex-shrink:0;font-family:'Plus Jakarta Sans',sans-serif;font-weight:300}
.faq-a{font-size:.9rem;color:var(--mid);line-height:1.82;margin-top:12px;display:none;font-weight:300}
.faq-item.open .faq-q::after{content:'−'}
.faq-item.open .faq-a{display:block}

/* REVIEW CARD */
.review-card{background:#fff;border-radius:16px;padding:28px;border:1.5px solid var(--light)}
.review-card .stars{margin-bottom:12px;font-size:.9rem;letter-spacing:3px}
.review-card p{font-family:'Lora',serif;font-style:italic;font-size:.95rem;color:var(--text);line-height:1.75;margin-bottom:20px}
.review-author{display:flex;align-items:center;gap:10px}
.review-avatar{width:38px;height:38px;border-radius:50%;background:var(--sand);display:flex;align-items:center;justify-content:center;font-family:'Lora',serif;font-weight:700;font-size:.95rem;color:var(--forest)}
.review-author strong{font-size:.85rem;font-weight:600;display:block;color:var(--forest)}
.review-author span{font-size:.72rem;color:var(--mid)}

/* STEP */
.step-card{background:#fff;border-radius:16px;padding:32px 24px;border:1.5px solid var(--light);text-align:center}
.step-num{width:48px;height:48px;border-radius:12px;background:var(--gold);display:flex;align-items:center;justify-content:center;font-family:'Lora',serif;font-size:1.3rem;font-weight:700;color:var(--forest);margin:0 auto 18px}
.step-card h3{font-size:1rem;color:var(--forest);margin-bottom:8px}
.step-card p{font-size:.8rem;color:var(--mid);line-height:1.65;font-weight:300}

/* CTA STRIP */
.cta-strip{background:linear-gradient(135deg,var(--forest),var(--forest-mid));padding:64px 0;text-align:center;border-radius:24px;margin:80px 0;position:relative;overflow:hidden}
.cta-strip::before{content:'';position:absolute;top:-60px;left:50%;transform:translateX(-50%);width:400px;height:400px;border-radius:50%;background:rgba(228,201,122,.05)}
.cta-strip h2{color:#fff;font-size:clamp(1.6rem,3vw,2.4rem);margin-bottom:12px}
.cta-strip p{color:rgba(255,255,255,.6);max-width:460px;margin:0 auto 36px;font-weight:300}

/* MARQUEE */
.marquee-wrap{overflow:hidden;background:var(--warm-white);border-top:1px solid var(--sand-dark);border-bottom:1px solid var(--sand-dark);padding:14px 0}
.marquee-track{display:flex;animation:marquee 35s linear infinite;white-space:nowrap}
@keyframes marquee{to{transform:translateX(-50%)}}
.marquee-item{padding:0 44px;display:inline-flex;align-items:center;gap:12px;font-size:.72rem;font-weight:500;letter-spacing:.1em;text-transform:uppercase;color:var(--mid)}
.marquee-item::before{content:'◆';color:var(--gold-dark);font-size:.5rem}
.marquee-item strong{color:var(--forest);font-weight:600}

/* RESPONSIVE */
@media(max-width:900px){
  .nav-links{display:none}
  .footer-grid{grid-template-columns:1fr 1fr}
  .section{padding:60px 0}
}
@media(max-width:480px){
  .footer-grid{grid-template-columns:1fr}
  .author-box{flex-direction:column}
}

/* JAVASCRIPT FAQ toggle */