*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
  html { font-size: 16px; }
  body { font-family: 'DM Sans', sans-serif; background: #1a1a2a; display: flex; flex-direction: column; align-items: center; min-height: 100vh; }

  .stage-controls {
    width: 100%; display: flex; align-items: center; justify-content: center;
    gap: 12px; padding: 14px 24px; background: #111;
    position: sticky; top: 0; z-index: 1000;
    border-bottom: 1px solid #2a2a3a;
  }
  .stage-label { color: #666; font-size: 12px; font-family: 'DM Sans', sans-serif; letter-spacing: .05em; text-transform: uppercase; margin-right: 4px; }
  .stage-btn {
    background: #222; border: 1px solid #333; color: #aaa;
    padding: 5px 14px; border-radius: 6px; font-size: 12px; cursor: pointer;
    font-family: 'DM Sans', sans-serif; transition: all .15s;
  }
  .stage-btn:hover { background: #2a2a3a; color: #fff; border-color: #555; }
  .stage-btn.active { background: #3a5aff22; border-color: #5577ff; color: #7799ff; }
  .stage-sep { width: 1px; height: 20px; background: #2a2a3a; }

  .preview-wrap {
    display: flex; justify-content: center; align-items: flex-start;
    padding: 32px 24px; width: 100%;
  }
  .device-frame {
    background: #fff; overflow: hidden; transition: all .3s cubic-bezier(.4,0,.2,1);
    position: relative;
  }
  .device-frame.desktop { width: 1280px; border-radius: 8px; box-shadow: 0 40px 120px #0008, 0 0 0 1px #fff1; }
  .device-frame.mobile {
    width: 390px; border-radius: 44px; box-shadow: 0 40px 120px #0008, 0 0 0 10px #222, 0 0 0 11px #333;
    overflow: hidden;
  }
  .mobile-notch {
    position: absolute; top: 0; left: 50%; transform: translateX(-50%);
    width: 120px; height: 30px; background: #222; border-radius: 0 0 20px 20px; z-index: 99;
    display: none;
  }
  .device-frame.mobile .mobile-notch { display: block; }
  .device-frame.mobile .site-content { padding-top: 30px; }

  /* ===================== SITE STYLES ===================== */
  .site-content { position: relative; }

  /* NAV */
  .nav {
    position: sticky; top: 0; z-index: 50;
    display: flex; align-items: center; justify-content: space-between;
    padding: 0 48px; height: 68px;
    border-bottom: 1px solid transparent;
    transition: all .2s;
  }
  .nav.scrolled { backdrop-filter: blur(12px); border-bottom-color: var(--nav-border); }
  .nav-logo {
    display: flex; align-items: center; gap: 10px; text-decoration: none;
    font-family: 'DM Serif Display', serif; font-size: 22px; letter-spacing: -.3px;
  }
  .nav-logo-mark {
    width: 34px; height: 34px; border-radius: 8px;
    display: flex; align-items: center; justify-content: center;
    font-family: 'DM Serif Display', serif; font-size: 18px; font-weight: 400;
    flex-shrink: 0;
  }
  .nav-links { display: flex; align-items: center; gap: 32px; }
  .nav-link { font-size: 14px; font-weight: 500; text-decoration: none; opacity: .8; transition: opacity .15s; }
  .nav-link:hover { opacity: 1; }
  .nav-cta {
    padding: 9px 22px; border-radius: 8px; font-size: 14px; font-weight: 600;
    text-decoration: none; transition: all .15s; cursor: pointer; border: none;
  }
  .nav-phone { font-size: 14px; font-weight: 600; }
  .mobile-nav { display: none; }
  .hamburger { background: none; border: none; cursor: pointer; padding: 4px; }

  /* HERO */
  .hero {
    padding: 80px 48px 0;
    display: grid; grid-template-columns: 1fr 1fr; gap: 48px;
    align-items: center; min-height: 560px;
    position: relative; overflow: hidden;
  }
  .hero-eyebrow {
    display: inline-flex; align-items: center; gap: 8px;
    font-size: 12px; font-weight: 600; letter-spacing: .1em; text-transform: uppercase;
    padding: 6px 14px; border-radius: 100px; margin-bottom: 24px;
  }
  .hero-dot { width: 6px; height: 6px; border-radius: 50%; flex-shrink: 0; }
  .hero h1 {
    font-family: 'DM Serif Display', serif;
    font-size: clamp(36px, 4vw, 56px); line-height: 1.08; letter-spacing: -.5px;
    margin-bottom: 20px;
  }
  .hero-sub { font-size: 18px; line-height: 1.6; opacity: .75; margin-bottom: 36px; max-width: 420px; }
  .hero-actions { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; }
  .btn-primary {
    padding: 14px 28px; border-radius: 10px; font-size: 15px; font-weight: 600;
    text-decoration: none; transition: all .15s; display: inline-flex; align-items: center; gap: 8px;
    cursor: pointer; border: none;
  }
  .btn-secondary {
    padding: 14px 24px; border-radius: 10px; font-size: 15px; font-weight: 500;
    text-decoration: none; transition: all .15s; display: inline-flex; align-items: center; gap: 6px;
    background: transparent; cursor: pointer; border: none;
  }
  .hero-trust { display: flex; align-items: center; gap: 20px; margin-top: 40px; padding-top: 32px; border-top: 1px solid; }
  .trust-item { display: flex; flex-direction: column; }
  .trust-num { font-family: 'DM Serif Display', serif; font-size: 28px; }
  .trust-label { font-size: 12px; opacity: .6; }

  /* CALCULATOR CARD */
  .calc-card {
    border-radius: 20px; padding: 36px; box-shadow: 0 24px 64px #0002;
    position: relative; overflow: hidden;
  }
  .calc-title { font-size: 13px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; margin-bottom: 24px; opacity: .6; }
  .calc-row { margin-bottom: 20px; }
  .calc-label { font-size: 13px; font-weight: 500; margin-bottom: 8px; display: block; opacity: .7; }
  .calc-slider-wrap { position: relative; }
  .calc-slider {
    width: 100%; -webkit-appearance: none; appearance: none;
    height: 4px; border-radius: 2px; outline: none; cursor: pointer;
  }
  .calc-slider::-webkit-slider-thumb {
    -webkit-appearance: none; width: 22px; height: 22px; border-radius: 50%;
    cursor: pointer; box-shadow: 0 2px 8px #0003;
  }
  .calc-amount-display {
    font-family: 'DM Serif Display', serif; font-size: 36px; text-align: right;
    margin-bottom: 4px;
  }
  .calc-amount-sub { font-size: 12px; opacity: .5; text-align: right; margin-bottom: 20px; }
  .calc-result {
    border-radius: 14px; padding: 24px; text-align: center; margin-top: 8px;
  }
  .calc-result-label { font-size: 12px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; margin-bottom: 8px; opacity: .7; }
  .calc-result-amount { font-family: 'DM Serif Display', serif; font-size: 52px; line-height: 1; margin-bottom: 4px; }
  .calc-result-sub { font-size: 13px; opacity: .6; }
  .calc-cta {
    width: 100%; margin-top: 20px; padding: 14px; border-radius: 10px;
    font-size: 15px; font-weight: 600; cursor: pointer; border: none;
    transition: all .15s;
  }
  .calc-segment { display: flex; border-radius: 8px; padding: 3px; gap: 2px; margin-bottom: 20px; }
  .calc-seg-btn {
    flex: 1; padding: 8px; border-radius: 6px; font-size: 12px; font-weight: 500;
    cursor: pointer; border: none; transition: all .15s; text-align: center;
  }

  /* WAVE DIVIDER */
  .wave { display: block; width: 100%; margin-bottom: -2px; }

  /* HOW IT WORKS */
  .section { padding: 96px 48px; }
  .section-eyebrow {
    font-size: 12px; font-weight: 600; letter-spacing: .1em; text-transform: uppercase;
    margin-bottom: 12px;
  }
  .section-title { font-family: 'DM Serif Display', serif; font-size: clamp(28px, 3vw, 44px); line-height: 1.1; margin-bottom: 16px; }
  .section-sub { font-size: 17px; line-height: 1.65; opacity: .65; max-width: 560px; }
  .steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; margin-top: 64px; }
  .step-card { border-radius: 16px; padding: 32px; }
  .step-num { font-family: 'DM Serif Display', serif; font-size: 48px; line-height: 1; margin-bottom: 20px; }
  .step-title { font-size: 18px; font-weight: 600; margin-bottom: 10px; }
  .step-desc { font-size: 15px; line-height: 1.65; opacity: .65; }

  /* WHY US */
  .why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin-top: 56px; }
  .why-item { border-radius: 16px; padding: 32px; display: flex; gap: 20px; align-items: flex-start; }
  .why-icon { width: 44px; height: 44px; border-radius: 12px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; font-size: 20px; }
  .why-content .why-title { font-size: 17px; font-weight: 600; margin-bottom: 8px; }
  .why-content .why-desc { font-size: 14px; line-height: 1.65; opacity: .65; }

  /* LENDERS */
  .lenders-section { padding: 64px 48px; }
  .lenders-grid { display: grid; grid-template-columns: repeat(7, 1fr); gap: 16px; margin-top: 40px; }
  .lender-badge {
    border-radius: 10px; padding: 16px 10px; text-align: center;
    font-size: 11px; font-weight: 700; letter-spacing: .05em; text-transform: uppercase;
    transition: all .15s;
  }
  .lender-badge:hover { transform: translateY(-2px); }

  /* TESTIMONIALS */
  .testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 56px; }
  .testimonial-card { border-radius: 16px; padding: 28px; }
  .testimonial-quote { font-size: 15px; line-height: 1.7; margin-bottom: 20px; font-style: italic; }
  .testimonial-author { display: flex; align-items: center; gap: 12px; }
  .testimonial-avatar { width: 40px; height: 40px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: 16px; }
  .testimonial-name { font-size: 14px; font-weight: 600; }
  .testimonial-detail { font-size: 12px; opacity: .5; }
  .stars { color: #f59e0b; font-size: 14px; margin-bottom: 14px; }

  /* CTA BANNER */
  .cta-section { padding: 80px 48px; text-align: center; }
  .cta-section h2 { font-family: 'DM Serif Display', serif; font-size: clamp(28px, 3.5vw, 48px); margin-bottom: 16px; line-height: 1.1; }
  .cta-section p { font-size: 18px; opacity: .7; margin-bottom: 36px; }
  .cta-actions { display: flex; align-items: center; justify-content: center; gap: 16px; flex-wrap: wrap; }

  /* FOOTER */
  .footer { padding: 64px 48px 32px; }
  .footer-top { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; padding-bottom: 48px; border-bottom: 1px solid; }
  .footer-brand p { font-size: 14px; line-height: 1.65; opacity: .5; margin-top: 14px; max-width: 280px; }
  .footer-col h4 { font-size: 12px; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; margin-bottom: 16px; opacity: .4; }
  .footer-col a { display: block; font-size: 14px; opacity: .6; text-decoration: none; margin-bottom: 10px; transition: opacity .15s; }
  .footer-col a:hover { opacity: 1; }
  .footer-bottom { padding-top: 24px; display: flex; justify-content: space-between; align-items: center; flex-wrap: gap; gap: 12px; }
  .footer-bottom p { font-size: 12px; opacity: .35; line-height: 1.6; }
  .footer-links { display: flex; gap: 20px; }
  .footer-links a { font-size: 12px; opacity: .4; text-decoration: none; }
  .footer-links a:hover { opacity: .8; }

  /* COMPARE MODAL */
  .compare-overlay {
    position: relative; z-index: 200;
    display: flex; flex-direction: column;
    min-height: 100vh;
    animation: fadeUp .22s ease;
  }
  @keyframes fadeUp { from { opacity:0; transform:translateY(16px); } to { opacity:1; transform:none; } }
  .compare-header {
    display: flex; align-items: center; justify-content: space-between;
    padding: 0 48px; height: 68px; flex-shrink: 0;
    border-bottom: 1px solid;
  }
  .compare-header h2 { font-family:'DM Serif Display',serif; font-size:22px; }
  .compare-close {
    width:36px; height:36px; border-radius:8px; border:none; cursor:pointer;
    display:flex; align-items:center; justify-content:center; font-size:18px;
    transition: all .15s;
  }
  .compare-body { flex:1; overflow-y:auto; padding: 32px 48px 48px; }
  .compare-filters {
    display: flex; align-items: flex-end; gap: 16px; flex-wrap: wrap;
    padding: 24px; border-radius: 14px; margin-bottom: 28px;
  }
  .filter-group { display:flex; flex-direction:column; gap:6px; }
  .filter-label { font-size:11px; font-weight:600; letter-spacing:.07em; text-transform:uppercase; opacity:.5; }
  .filter-select {
    padding: 9px 14px; border-radius:8px; font-size:14px; font-family:'DM Sans',sans-serif;
    cursor:pointer; outline:none; border: 1px solid; min-width:140px;
    -webkit-appearance:none; appearance:none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23888' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
    background-repeat:no-repeat; background-position: right 12px center;
    padding-right:32px;
  }
  .filter-amount-wrap { display:flex; align-items:center; gap:0; }
  .filter-amount-prefix {
    padding: 9px 10px 9px 14px; border-radius:8px 0 0 8px; font-size:14px;
    border: 1px solid; border-right:none; font-weight:600;
  }
  .filter-amount {
    padding:9px 14px; border-radius:0 8px 8px 0; font-size:14px;
    font-family:'DM Sans',sans-serif; border: 1px solid; outline:none; width:110px;
  }
  .compare-table-wrap { border-radius:14px; overflow:hidden; border:1px solid; }
  .compare-table { width:100%; border-collapse:collapse; }
  .compare-table th {
    padding:12px 16px; text-align:left; font-size:11px; font-weight:600;
    letter-spacing:.07em; text-transform:uppercase; cursor:pointer;
    white-space:nowrap; user-select:none;
  }
  .compare-table th:hover { opacity:1; }
  .compare-table th .sort-icon { margin-left:4px; opacity:.4; font-style:normal; }
  .compare-table th.sorted .sort-icon { opacity:1; }
  .compare-table td { padding:16px; font-size:14px; border-top:1px solid; }
  .compare-table tr:hover td { }
  .lender-name { font-weight:700; font-size:15px; }
  .loan-type-tag {
    display:inline-block; padding:2px 8px; border-radius:4px;
    font-size:11px; font-weight:600; margin-top:4px;
  }
  .rate-cell { font-family:'DM Serif Display',serif; font-size:22px; font-weight:400; }
  .comp-rate { font-size:11px; opacity:.5; margin-top:2px; }
  .repayment-cell { font-size:15px; font-weight:600; }
  .repayment-sub { font-size:11px; opacity:.5; }
  .cashback-cell { font-family:'DM Serif Display',serif; font-size:20px; }
  .badge-best { display:inline-block; padding:3px 8px; border-radius:4px; font-size:10px; font-weight:700; letter-spacing:.05em; text-transform:uppercase; margin-left:6px; vertical-align:middle; }
  .feature-tags { display:flex; gap:4px; flex-wrap:wrap; }
  .feature-tag { padding:3px 8px; border-radius:4px; font-size:11px; font-weight:500; }
  .get-loan-btn {
    padding:9px 18px; border-radius:8px; font-size:13px; font-weight:600;
    border:none; cursor:pointer; white-space:nowrap; transition:all .15s;
  }
  .compare-summary { display:flex; gap:16px; margin-bottom:20px; flex-wrap:wrap; }
  .compare-stat { padding:14px 20px; border-radius:10px; flex:1; min-width:160px; }
  .compare-stat-label { font-size:11px; opacity:.5; font-weight:600; letter-spacing:.05em; text-transform:uppercase; }
  .compare-stat-value { font-family:'DM Serif Display',serif; font-size:26px; margin-top:4px; }

  /* MOBILE OVERRIDES */
  @media (max-width: 480px) {
    .compare-header { padding: 0 20px; }
    .compare-body { padding: 20px; }
    .compare-filters { padding: 16px; gap:12px; }
    .compare-table-wrap { overflow-x: auto; }
    .compare-table th, .compare-table td { padding: 12px; }
  }
    .nav { padding: 0 20px; height: 60px; }
    .nav-links, .nav-phone { display: none; }
    .mobile-nav { display: flex; }
    .hero { grid-template-columns: 1fr; padding: 40px 20px 0; gap: 32px; min-height: unset; }
    .hero h1 { font-size: 34px; }
    .hero-sub { font-size: 16px; }
    .calc-card { padding: 24px; }
    .calc-result-amount { font-size: 40px; }
    .section { padding: 60px 20px; }
    .steps-grid { grid-template-columns: 1fr; }
    .why-grid { grid-template-columns: 1fr; }
    .lenders-grid { grid-template-columns: repeat(4, 1fr); }
    .testimonials-grid { grid-template-columns: 1fr; }
    .footer-top { grid-template-columns: 1fr 1fr; gap: 32px; }
    .footer-bottom { flex-direction: column; align-items: flex-start; }
    .cta-section { padding: 60px 20px; }
    .lenders-section { padding: 60px 20px; }
    .hero-trust { flex-wrap: wrap; gap: 16px; }
  }