/**
 * Loan Optimization — premium fintech landing page
 */

body.page-loan-optimization.loan-opt-page {
  background: #f6f8fc;
  scroll-padding-top: calc(var(--shell-h, 120px) + 1rem);
}

body.page-loan-optimization #main {
  overflow-x: clip;
}

/* Hero — same inner-page pattern as Services, with loan-restructure photo */
.page-loan-optimization .services-hero {
  background-image: url("../img/hero-slider/slider-4.jpg");
}

body.page-loan-optimization.has-sticky-cta {
  padding-bottom: 5.25rem;
}

@media (min-width: 768px) {
  body.page-loan-optimization.has-sticky-cta {
    padding-bottom: 0;
  }
}

/* Intro checklist — below hero trust strip */
.lo-opt-intro {
  padding: 1.5rem 0 0.5rem;
}

.lo-opt-checklist-panel {
  margin-bottom: 0;
}

.lo-opt-checklist-panel .page-section-head {
  margin-bottom: 1rem;
}

.lo-opt-checklist {
  margin: 0;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 0.65rem;
}

@media (min-width: 768px) {
  .lo-opt-checklist {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 0.75rem 1.25rem;
  }
}

.lo-opt-checklist li {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  font-size: 1.0625rem;
  font-weight: 700;
  line-height: 1.5;
  color: var(--text, #1a1a2e);
}

.lo-opt-checklist li i {
  flex-shrink: 0;
  margin-top: 0.15rem;
  color: var(--teal-dark, #3bb8b2);
  font-size: 1.2rem;
}

.page-loan-optimization .page-sections.contact-wrap {
  padding-bottom: 2rem;
}

.page-loan-optimization #Schedule {
  scroll-margin-top: calc(var(--shell-h, 120px) + 1rem);
}

/* ── USP grid ── */
.lo-opt-usps {
  padding: var(--section-y, 5rem) 0 var(--section-y-tight, 3rem);
}

.lo-opt-usps__head {
  text-align: center;
  max-width: 42rem;
  margin: 0 auto 2.5rem;
}

.lo-opt-usps__head .section__label {
  display: inline-block;
  margin-bottom: 0.65rem;
}

.lo-opt-usps__title {
  margin: 0 0 0.75rem;
  font-size: clamp(1.9rem, 4.2vw, 2.55rem);
  font-weight: 800;
  letter-spacing: -0.02em;
  line-height: 1.15;
}

.lo-opt-usps__title span {
  color: var(--navy, #0b0a88);
}

.lo-opt-usps__grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 17rem), 1fr));
  gap: 1.15rem;
}

.lo-opt-usp-card {
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
  padding: 1.35rem 1.25rem;
  text-decoration: none;
  color: var(--text, #1a1a2e);
  background: var(--glass-bg-strong, rgba(255, 255, 255, 0.78));
  border: var(--glass-border, 1px solid rgba(255, 255, 255, 0.42));
  border-radius: var(--glass-radius, 18px);
  backdrop-filter: blur(var(--glass-blur, 16px));
  box-shadow: var(--glass-shadow);
  transition:
    transform var(--glass-transition, 0.28s ease),
    box-shadow var(--glass-transition, 0.28s ease),
    border-color var(--glass-transition, 0.28s ease);
}

.lo-opt-usp-card:hover {
  color: var(--text, #1a1a2e);
  transform: translateY(-6px);
  box-shadow: var(--glass-shadow-hover);
  border-color: rgba(85, 209, 203, 0.35);
}

.lo-opt-usp-card__icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 3rem;
  height: 3rem;
  font-size: 1.35rem;
  color: var(--navy, #0b0a88);
  background: linear-gradient(135deg, rgba(85, 209, 203, 0.35) 0%, rgba(85, 209, 203, 0.12) 100%);
  border-radius: 14px;
  border: 1px solid rgba(85, 209, 203, 0.3);
}

.lo-opt-usp-card h3 {
  margin: 0;
  font-size: 1.1875rem;
  font-weight: 700;
}

.lo-opt-usp-card p {
  margin: 0;
  font-size: 1rem;
  color: var(--text-muted, #5c6370);
  line-height: 1.55;
}

.lo-opt-usp-card__link {
  margin-top: auto;
  font-size: 0.9375rem;
  font-weight: 700;
  color: var(--navy, #0b0a88);
}

.lo-opt-usp-card__link i {
  transition: transform 0.2s ease;
}

.lo-opt-usp-card:hover .lo-opt-usp-card__link i {
  transform: translateX(4px);
}

/* ── Section CTA strip ── */
.lo-opt-section-cta {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
  margin-top: 1.75rem;
}

.lo-opt-section-cta--center {
  justify-content: center;
  margin-top: 2.5rem;
}

/* ── Alternating splits ── */
.lo-opt-splits {
  padding: var(--section-y-tight, 3rem) 0;
}

.lo-opt-split {
  display: grid;
  gap: clamp(1.5rem, 4vw, 2.5rem);
  align-items: center;
  padding: clamp(2rem, 5vw, 3rem) 0;
}

@media (min-width: 900px) {
  .lo-opt-split {
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
  }

  .lo-opt-split--reverse .lo-opt-split__media {
    order: 2;
  }

  .lo-opt-split--reverse .lo-opt-split__content {
    order: 1;
  }
}

.lo-opt-split__media {
  position: relative;
  border-radius: var(--radius-lg, 20px);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}

.lo-opt-split__media::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(145deg, rgba(11, 10, 136, 0.15), transparent 55%);
  z-index: 1;
  pointer-events: none;
}

.lo-opt-split__media img {
  display: block;
  width: 100%;
  aspect-ratio: 4 / 3;
  object-fit: cover;
  transition: transform 0.5s cubic-bezier(0.22, 1, 0.36, 1);
}

.lo-opt-split__media:hover img {
  transform: scale(1.04);
}

.lo-opt-split__tag {
  display: inline-block;
  margin-bottom: 0.65rem;
  font-size: 0.8125rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--teal-dark, #3bb8b2);
}

.lo-opt-split__title {
  margin: 0 0 0.75rem;
  font-size: clamp(1.65rem, 3.8vw, 2.2rem);
  font-weight: 800;
  letter-spacing: -0.02em;
  line-height: 1.15;
  color: var(--navy, #0b0a88);
}

.lo-opt-split__lead {
  margin: 0 0 1.25rem;
  font-size: clamp(1.0625rem, 2vw, 1.1875rem);
  font-weight: 700;
  color: var(--text-muted, #5c6370);
  line-height: 1.65;
}

.lo-opt-benefits {
  margin: 0;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 0.55rem;
}

.lo-opt-benefits li {
  display: flex;
  align-items: flex-start;
  gap: 0.55rem;
  font-size: 1.0625rem;
  font-weight: 700;
  line-height: 1.5;
}

.lo-opt-benefits li i {
  flex-shrink: 0;
  margin-top: 0.2rem;
  color: var(--teal-dark, #3bb8b2);
}

.lo-opt-subcards {
  display: grid;
  gap: 0.85rem;
  margin: 1.25rem 0 0;
}

@media (min-width: 560px) {
  .lo-opt-subcards {
    grid-template-columns: repeat(3, 1fr);
  }
}

.lo-opt-subcard {
  padding: 1rem;
  background: rgba(255, 255, 255, 0.72);
  border: 1px solid rgba(11, 10, 136, 0.08);
  border-radius: var(--radius, 12px);
  backdrop-filter: blur(10px);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.lo-opt-subcard:hover {
  transform: translateY(-3px);
  box-shadow: 0 8px 24px rgba(11, 10, 136, 0.1);
}

.lo-opt-subcard strong {
  display: block;
  margin-bottom: 0.35rem;
  font-size: 1rem;
  color: var(--navy, #0b0a88);
}

.lo-opt-subcard span {
  font-size: 0.9375rem;
  color: var(--text-muted, #5c6370);
  line-height: 1.5;
}

/* ── Why choose (compact) ── */
.lo-opt-why {
  padding: var(--section-y, 5rem) 0;
  background: var(--glass-surface-alt);
}

.lo-opt-why__grid {
  display: grid;
  gap: 2rem;
}

@media (min-width: 900px) {
  .lo-opt-why__grid {
    grid-template-columns: 1fr 1fr;
    align-items: center;
  }
}

.lo-opt-why__list {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(12rem, 1fr));
  gap: 0.65rem 1rem;
  margin: 1.25rem 0 0;
  padding: 0;
  list-style: none;
}

.lo-opt-why__list li {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 1.0625rem;
  font-weight: 600;
}

.lo-opt-why__list li i {
  color: var(--teal-dark, #3bb8b2);
}

/* ── Process timeline ── */
.lo-opt-process-section {
  padding: var(--section-y, 5rem) 0;
}

.lo-opt-process-section .section__header {
  text-align: center;
  max-width: 36rem;
  margin-inline: auto;
}

.lo-opt-process {
  position: relative;
  display: grid;
  gap: 0;
  margin: 2.5rem 0 0;
  padding: 0;
  list-style: none;
}

@media (min-width: 900px) {
  .lo-opt-process {
    grid-template-columns: repeat(5, 1fr);
    gap: 1rem;
  }

  .lo-opt-process::before {
    content: "";
    position: absolute;
    top: 2.1rem;
    left: 10%;
    right: 10%;
    height: 3px;
    background: linear-gradient(90deg, var(--teal, #55d1cb), var(--navy, #0b0a88));
    border-radius: 999px;
    opacity: 0.35;
  }
}

.lo-opt-process__step {
  position: relative;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 1rem 0.75rem;
}

@media (max-width: 899px) {
  .lo-opt-process__step {
    flex-direction: row;
    align-items: flex-start;
    text-align: left;
    gap: 1rem;
    padding: 1.25rem 0;
    border-left: 2px solid rgba(85, 209, 203, 0.45);
    margin-left: 1.1rem;
    padding-left: 1.5rem;
  }

  .lo-opt-process__step:last-child {
    border-left-color: transparent;
  }
}

.lo-opt-process__num {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  width: 4.25rem;
  height: 4.25rem;
  margin-bottom: 1rem;
  font-size: 1.0625rem;
  font-weight: 800;
  color: #fff;
  background: linear-gradient(135deg, #1211a8, var(--navy, #0b0a88));
  border: 3px solid rgba(85, 209, 203, 0.55);
  border-radius: 50%;
  box-shadow: 0 8px 24px rgba(11, 10, 136, 0.25);
}

@media (max-width: 899px) {
  .lo-opt-process__num {
    width: 3rem;
    height: 3rem;
    margin: 0 0 0 -2.6rem;
    font-size: 0.9375rem;
  }
}

.lo-opt-process__body h3 {
  margin: 0 0 0.35rem;
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--navy, #0b0a88);
}

.lo-opt-process__body p {
  margin: 0;
  font-size: 0.9375rem;
  color: var(--text-muted, #5c6370);
  line-height: 1.5;
}

/* ── Final CTA band — photo background (no blue shade) ── */
.lo-opt-final-cta {
  position: relative;
  padding: clamp(3rem, 7vw, 4.5rem) 0;
  text-align: center;
  color: #fff;
  background-color: #1c1c28;
  background-image: url("../img/pages/loan-optimization/final-cta.jpg");
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
}

.lo-opt-final-cta::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 90% 130% at 50% 45%, rgba(0, 0, 0, 0.72) 0%, rgba(0, 0, 0, 0.42) 72%),
    linear-gradient(180deg, rgba(0, 0, 0, 0.55) 0%, rgba(0, 0, 0, 0.35) 100%);
  pointer-events: none;
}

.lo-opt-final-cta > .container {
  position: relative;
  z-index: 1;
}

.lo-opt-final-cta h2 {
  margin: 0 auto 0.75rem;
  max-width: 36rem;
  font-size: clamp(1.85rem, 4.2vw, 2.45rem);
  font-weight: 800;
  letter-spacing: -0.02em;
  line-height: 1.15;
  color: #fff;
  text-shadow:
    0 2px 18px rgba(0, 0, 0, 0.55),
    0 1px 4px rgba(0, 0, 0, 0.4);
}

.lo-opt-final-cta p {
  margin: 0 auto 1.5rem;
  max-width: 32rem;
  font-size: clamp(1.0625rem, 2.1vw, 1.1875rem);
  color: rgba(255, 255, 255, 0.96);
  line-height: 1.65;
  text-shadow: 0 1px 12px rgba(0, 0, 0, 0.5);
}

.lo-opt-final-cta__phones {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 1rem 1.5rem;
  margin-top: 1.25rem;
  font-size: 1.0625rem;
  font-weight: 600;
}

.lo-opt-final-cta__phones a {
  color: #fff;
  text-shadow: 0 1px 10px rgba(0, 0, 0, 0.45);
}

.lo-opt-final-cta__phones a:hover {
  color: var(--teal, #55d1cb);
}

.lo-opt-final-cta .lo-opt-section-cta {
  justify-content: center;
}

.lo-opt-final-cta .btn--primary {
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.28);
}

.lo-opt-final-cta .btn--outline {
  color: #fff;
  border-color: rgba(255, 255, 255, 0.72);
  background: rgba(0, 0, 0, 0.22);
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.2);
}

.lo-opt-final-cta .btn--outline:hover {
  color: var(--navy);
  background: #fff;
  border-color: #fff;
}

/* ── Sticky mobile CTA ── */
.lo-opt-sticky-cta {
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  z-index: 940;
  padding: 0.75rem 1rem calc(0.75rem + env(safe-area-inset-bottom, 0px));
  background: rgba(255, 255, 255, 0.92);
  border-top: 1px solid rgba(11, 10, 136, 0.1);
  backdrop-filter: blur(16px);
  box-shadow: 0 -8px 32px rgba(11, 10, 136, 0.12);
  transform: translateY(110%);
  opacity: 0;
  visibility: hidden;
  transition:
    transform 0.32s cubic-bezier(0.22, 1, 0.36, 1),
    opacity 0.28s ease,
    visibility 0.28s;
}

.lo-opt-sticky-cta.is-visible {
  transform: translateY(0);
  opacity: 1;
  visibility: visible;
}

@media (min-width: 768px) {
  .lo-opt-sticky-cta {
    display: none;
  }
}

.lo-opt-sticky-cta .btn {
  width: 100%;
  justify-content: center;
}

.lo-opt-sticky-cta .btn::after {
  display: none;
}

/* ── Page-wide typography boost (shared components) ── */
.page-loan-optimization {
  font-size: 1.0625rem;
}

.page-loan-optimization .services-hero__breadcrumb {
  font-size: 0.9375rem;
}

.page-loan-optimization .services-hero__title {
  font-size: clamp(2.4rem, 6.8vw, 4rem);
}

.page-loan-optimization .services-hero__tagline {
  font-size: clamp(1.125rem, 2.4vw, 1.375rem);
}

.page-loan-optimization .services-trust__item strong {
  font-size: 1rem;
}

.page-loan-optimization .services-trust__item span {
  font-size: 0.9375rem;
}

.page-loan-optimization .page-section-head__label {
  font-size: 0.8125rem;
}

.page-loan-optimization .page-section-head__title {
  font-size: clamp(1.65rem, 3.5vw, 2.125rem);
}

.page-loan-optimization .page-section-head__sub {
  font-size: clamp(1.0625rem, 2.1vw, 1.1875rem);
}

.page-loan-optimization .section__label {
  font-size: 0.875rem;
}

.page-loan-optimization .section__title {
  font-size: clamp(1.65rem, 3.2vw, 2.35rem);
}

.page-loan-optimization .services-head__text {
  font-size: clamp(1.0625rem, 2.1vw, 1.25rem);
}

.page-loan-optimization .stats-band .stat__value {
  font-size: clamp(2.15rem, 4.2vw, 3rem);
}

.page-loan-optimization .stats-band .stat__label {
  font-size: 1.0625rem;
}

.page-loan-optimization .stats-band .stat i {
  font-size: 2rem;
}

/* Why Choose Us — stats card: 2×2 so all four fit in the column */
.page-loan-optimization .lo-opt-why .stats-band {
  padding: clamp(1.25rem, 3vw, 1.75rem);
  overflow: visible;
  border-radius: var(--radius-lg, 14px);
}

.page-loan-optimization .lo-opt-why .stats-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: clamp(0.85rem, 2vw, 1.25rem);
}

.page-loan-optimization .lo-opt-why .stat {
  min-width: 0;
  padding: 0.35rem 0.15rem;
}

.page-loan-optimization .lo-opt-why .stats-band .stat__value {
  font-size: clamp(1.65rem, 3.2vw, 2.15rem);
}

.page-loan-optimization .lo-opt-why .stats-band .stat__label {
  font-size: clamp(0.8125rem, 1.7vw, 0.9375rem);
  line-height: 1.35;
}

.page-loan-optimization .lo-opt-why .stats-band .stat i {
  font-size: clamp(1.35rem, 2.4vw, 1.65rem);
  margin-bottom: 0.35rem;
}

@media (max-width: 767px) {
  .page-loan-optimization .lo-opt-why .stats-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .page-loan-optimization .services-hero__title {
    font-size: clamp(1.85rem, 7.5vw, 2.35rem);
  }

  .page-loan-optimization .services-hero__tagline {
    font-size: clamp(1rem, 4vw, 1.125rem);
  }

  .lo-opt-split.container {
    width: 100%;
    max-width: 100%;
    padding-inline: clamp(1rem, 4vw, 1.25rem);
  }

  .lo-opt-split {
    padding: 1.5rem 0;
  }

  .lo-opt-split__title {
    font-size: clamp(1.45rem, 5.5vw, 1.85rem);
  }

  .lo-opt-split__lead,
  .lo-opt-benefits li,
  .lo-opt-why__list li {
    font-size: 1rem;
  }

  .lo-opt-checklist li {
    font-size: 0.9875rem;
  }

  .page-loan-optimization .lo-opt-why .stats-band {
    padding: 1rem 0.65rem;
  }

  .page-loan-optimization .lo-opt-why .stats-band .stat__value {
    font-size: clamp(1.45rem, 5vw, 1.85rem);
  }

  .lo-opt-usps {
    padding-top: 3rem;
    padding-bottom: 2rem;
  }

  .lo-opt-process-section {
    padding: 3rem 0;
  }

  body.page-loan-optimization.has-sticky-cta {
    padding-bottom: calc(5.5rem + env(safe-area-inset-bottom, 0px));
  }
}