/* ============================================================
   Pay Later Klarna — style.css
   Colors: White #FFFFFF | Pink #E8518A | Navy #1A3558
   Fonts: Plus Jakarta Sans, DM Sans
   ============================================================ */
@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@400;500;600;700;800&family=DM+Sans:wght@400;500;700&display=swap');

:root {
  --white:   #ffffff;
  --pink:    #E8518A;
  --pink-d:  #c73d72;
  --navy:    #1A3558;
  --navy-l:  #254775;
  --ink:     #1a2236;
  --muted:   #5b6b8a;
  --soft:    #fdf0f5;
  --line:    #e8d0db;
  --bg:      #faf5f8;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: 'DM Sans', sans-serif; background: var(--bg); color: var(--ink); line-height: 1.72; font-size: 16.5px; }
h1,h2,h3,h4 { font-family: 'Plus Jakarta Sans', sans-serif; line-height: 1.28; color: var(--navy); }
a { color: var(--pink); text-decoration: none; }
a:hover { color: var(--pink-d); }
img { max-width: 100%; height: auto; display: block; }

/* ---- Skip link ---- */
.skip-link { position: absolute; top: -100px; left: 0; background: var(--navy); color: #fff; padding: 8px 16px; z-index: 9999; border-radius: 0 0 8px 0; }
.skip-link:focus { top: 0; }

/* ---- Navbar ---- */
.navbar {
  position: sticky; top: 0;
  z-index: 2147483000; isolation: isolate;
  background: var(--white);
  border-bottom: 3px solid var(--pink);
  box-shadow: 0 2px 16px rgba(26,53,88,.10);
}
.nav-inner { max-width: 1260px; margin: 0 auto; padding: 0 24px; display: flex; align-items: center; position: relative; }
.logo { display: flex; align-items: center; gap: 10px; font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 800; font-size: 1.18rem; color: var(--navy); text-decoration: none; white-space: nowrap; flex-shrink: 0; margin-right: 8px; }
.logo-icon { width: 36px; height: 36px; }
.nav-links { display: flex; align-items: center; list-style: none; flex: 1; justify-content: center; gap: 2px; }
.nav-links > li { position: relative; }
.nav-links a.top { display: block; padding: 22px 12px; color: var(--ink); font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 600; font-size: .92rem; white-space: nowrap; }
.nav-links a.top:hover, .nav-links a.top[aria-expanded="true"] { color: var(--pink); }
.dd-toggle::after { content: ' ▾'; font-size: .75em; }
.dd-menu { display: none; position: absolute; top: 100%; left: 0; background: var(--white); border: 1px solid var(--line); border-top: 3px solid var(--pink); border-radius: 0 0 12px 12px; min-width: 240px; box-shadow: 0 14px 32px rgba(26,53,88,.14); padding: 6px 0; z-index: 10; }
.dd-menu a { display: block; padding: 10px 18px; color: var(--ink); font-size: .91rem; }
.dd-menu a:hover { background: var(--soft); color: var(--pink); }
.nav-dd:hover .dd-menu, .nav-dd:focus-within .dd-menu { display: block; }
.nav-gap { flex: 1; }
.nav-btn-apply { background: var(--pink); color: var(--white) !important; padding: 12px 26px; border-radius: 10px; font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 700; font-size: .93rem; white-space: nowrap; box-shadow: 0 4px 14px rgba(232,81,138,.30); transition: background .15s, transform .1s; flex-shrink: 0; text-decoration: none; }
.nav-btn-apply:hover { background: var(--pink-d); transform: translateY(-1px); }
.btn-apply { background: var(--pink); color: var(--white) !important; padding: 12px 26px; border-radius: 10px; font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 700; font-size: .93rem; white-space: nowrap; box-shadow: 0 4px 14px rgba(232,81,138,.30); transition: background .15s, transform .1s; }
.btn-apply:hover { background: var(--pink-d); transform: translateY(-1px); }
.hamburger { display: none; background: none; border: 2px solid var(--navy); border-radius: 8px; color: var(--navy); font-size: 1.3rem; padding: 4px 12px; cursor: pointer; margin-left: auto; }

/* ---- Breadcrumb ---- */
.crumbs { font-size: .84rem; color: var(--muted); padding: 14px 0 0; }
.crumbs a { color: var(--muted); }
.crumbs a:hover { color: var(--pink); }
.crumbs span { color: var(--navy); font-weight: 600; }

/* ---- Hero ---- */
.hero { position: relative; background: var(--navy); overflow: hidden; }
.hero img { width: 100%; height: 540px; object-fit: cover; object-position: center 15%; opacity: .42; }
.hero-text { position: absolute; inset: 0; display: flex; flex-direction: column; justify-content: center; padding: 0 60px; max-width: 720px; }
.hero-text h1 { font-size: 2.7rem; color: #fff; margin-bottom: 16px; line-height: 1.22; }
.hero-text p { color: rgba(255,255,255,.90); font-size: 1.10rem; margin-bottom: 26px; max-width: 580px; line-height: 1.65; }
.hero-badges { display: flex; flex-wrap: wrap; gap: 10px; }
.badge { background: rgba(255,255,255,.14); border: 1px solid rgba(255,255,255,.30); color: #fff; padding: 6px 16px; border-radius: 20px; font-size: .86rem; font-weight: 600; }

/* ---- Page wrapper ---- */
.wrap { max-width: 1200px; margin: 0 auto; padding: 0 20px; }
.page-h1 { font-size: 1.85rem; color: var(--navy); margin: 0 0 12px; }

/* ---- Layout: content + sidebar ---- */
.main-cols { display: grid; grid-template-columns: 1fr 340px; gap: 36px; padding: 36px 0 48px; }
.page-intro { font-size: 1.05rem; color: var(--muted); margin-bottom: 26px; border-left: 4px solid var(--pink); padding-left: 16px; }

/* ---- Article body ---- */
article h2 { font-size: 1.45rem; margin: 32px 0 12px; color: var(--navy); }
article h3 { font-size: 1.15rem; margin: 22px 0 8px; color: var(--navy-l); }
article p { margin-bottom: 16px; }
article ul, article ol { margin: 0 0 16px 22px; }
article li { margin-bottom: 7px; }
article strong { color: var(--navy); }
article table { width: 100%; border-collapse: collapse; margin: 18px 0; font-size: .93rem; }
article th { background: var(--navy); color: #fff; padding: 10px 14px; text-align: left; font-family: 'Plus Jakarta Sans', sans-serif; }
article td { padding: 9px 14px; border-bottom: 1px solid var(--line); }
article tr:nth-child(even) td { background: var(--soft); }
.toc { background: var(--soft); border: 1px solid var(--line); border-radius: 10px; padding: 18px 22px; margin-bottom: 28px; }
.toc h3 { margin: 0 0 10px; font-size: 1rem; color: var(--navy); }
.toc ol { margin-left: 18px; }
.toc li { margin-bottom: 5px; font-size: .91rem; }
.toc a { color: var(--pink); }
.content-fig { float: right; width: 26%; margin: 4px 0 20px 28px; border-radius: 10px; overflow: hidden; }
.content-fig.left { float: left; margin: 4px 28px 20px 0; }
.content-fig img { width: 100%; height: auto; border-radius: 10px; display: block; }
.clearfix::after { content: ''; display: table; clear: both; }

/* ---- Amount cards ---- */
.amounts { display: grid; grid-template-columns: repeat(3,1fr); gap: 18px; margin: 22px 0; }
.amount-card { background: var(--white); border: 2px solid var(--line); border-radius: 12px; padding: 22px 18px; text-align: center; transition: border-color .2s; }
.amount-card:hover { border-color: var(--pink); }
.amount-card .amt { font-family: 'Plus Jakarta Sans', sans-serif; font-size: 1.5rem; font-weight: 800; color: var(--pink); margin-bottom: 8px; }
.amount-card .lbl { font-size: .9rem; color: var(--muted); margin-bottom: 14px; }
.amount-card a { display: inline-block; background: var(--navy); color: var(--white) !important; padding: 10px 20px; border-radius: 8px; font-size: .88rem; font-weight: 700; }
.amount-card a:hover { background: var(--pink); }

/* ---- Mini FAQ ---- */
details { border: 1px solid var(--line); border-radius: 9px; margin-bottom: 10px; }
summary { padding: 14px 18px; font-weight: 600; color: var(--navy); cursor: pointer; font-family: 'Plus Jakarta Sans', sans-serif; font-size: .97rem; list-style: none; display: flex; justify-content: space-between; align-items: center; }
summary::after { content: '+'; font-size: 1.2rem; color: var(--pink); }
details[open] summary::after { content: '−'; }
.faq-body { padding: 0 18px 16px; }
.faq-body p { margin-bottom: 0; font-size: .95rem; }

/* ---- Sidebar ---- */
aside { }
.sb { background: var(--white); border: 1px solid var(--line); border-radius: 12px; padding: 18px 20px; margin-bottom: 18px; }
.sb h3 { font-size: 1rem; color: var(--navy); margin-bottom: 10px; font-family: 'Plus Jakarta Sans', sans-serif; }
.sb ul { list-style: none; }
.sb ul li { padding: 6px 0; border-bottom: 1px solid var(--line); font-size: .91rem; }
.sb ul li:last-child { border-bottom: none; }
.sb ul li a { color: var(--ink); }
.sb ul li a:hover { color: var(--pink); }
.sb p { font-size: .9rem; color: var(--muted); }
.sb .stat { font-size: 1.6rem; font-weight: 800; color: var(--pink); font-family: 'Plus Jakarta Sans', sans-serif; }
.sb .stat-lbl { font-size: .82rem; color: var(--muted); }
.sb a.btn-sb { display: block; background: var(--pink); color: var(--white) !important; text-align: center; padding: 11px; border-radius: 9px; font-weight: 700; font-size: .93rem; margin-top: 8px; }
.sb a.btn-sb:hover { background: var(--pink-d); }
.rating-stars { color: #f5a623; font-size: 1.3rem; letter-spacing: 2px; }

/* ---- Blog grid ---- */
.blog-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; margin: 28px 0; }
.card { background: var(--white); border-radius: 12px; border: 1px solid var(--line); overflow: hidden; transition: box-shadow .2s; }
.card:hover { box-shadow: 0 8px 28px rgba(26,53,88,.12); }
.card img { width: 100%; height: 200px; object-fit: cover; display: block; }
.card-body { padding: 18px; }
.card-body h3 { font-size: 1rem; margin-bottom: 8px; }
.card-body h3 a { color: var(--navy); }
.card-body h3 a:hover { color: var(--pink); }
.card-body p { font-size: .88rem; color: var(--muted); margin-bottom: 12px; }
.card-meta { font-size: .8rem; color: var(--muted); }
.tag { display: inline-block; background: var(--soft); color: var(--pink); border-radius: 20px; padding: 3px 12px; font-size: .78rem; font-weight: 600; margin-bottom: 8px; }

/* ---- Related posts ---- */
.related { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin: 28px 0; }
.share-btns { display: flex; gap: 10px; margin: 20px 0; }
.share-btn { padding: 8px 18px; border-radius: 8px; font-size: .85rem; font-weight: 600; color: #fff !important; }
.share-fb { background: #1877f2; }
.share-tw { background: #14171a; }
.share-li { background: #0077b5; }

/* ---- CTA zone ---- */
.cta-zone { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-l) 100%); padding: 56px 20px; text-align: center; }
.cta-zone h2 { color: #fff; font-size: 2rem; margin-bottom: 14px; }
.cta-zone p { color: rgba(255,255,255,.82); max-width: 560px; margin: 0 auto 28px; }
.btn-cta { display: inline-block; background: var(--pink); color: #fff !important; padding: 16px 44px; border-radius: 12px; font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 800; font-size: 1.08rem; box-shadow: 0 6px 20px rgba(232,81,138,.40); transition: background .15s, transform .1s; }
.btn-cta:hover { background: var(--pink-d); transform: translateY(-2px); }
.trust-row { display: flex; justify-content: center; gap: 32px; flex-wrap: wrap; margin-top: 22px; }
.trust-item { color: rgba(255,255,255,.75); font-size: .9rem; }

/* ---- Footer ---- */
.footer { background: var(--navy); color: rgba(255,255,255,.78); padding: 50px 20px 24px; }
.foot-grid { max-width: 1200px; margin: 0 auto; display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 36px; margin-bottom: 36px; }
.foot-col h4 { font-family: 'Plus Jakarta Sans', sans-serif; color: #fff; margin-bottom: 14px; font-size: 1rem; }
.foot-col ul { list-style: none; }
.foot-col ul li { margin-bottom: 8px; font-size: .9rem; }
.foot-col ul li a { color: rgba(255,255,255,.70); }
.foot-col ul li a:hover { color: var(--pink); }
.foot-logo { font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 800; font-size: 1.2rem; color: #fff; margin-bottom: 10px; }
.foot-desc { font-size: .88rem; line-height: 1.6; margin-bottom: 12px; }
.foot-contact { font-size: .88rem; }
.foot-contact a { color: rgba(255,255,255,.70); }
.foot-contact a:hover { color: var(--pink); }
.foot-bottom { max-width: 1200px; margin: 0 auto; border-top: 1px solid rgba(255,255,255,.12); padding-top: 22px; }
.disclosure { font-size: .80rem; color: rgba(255,255,255,.55); line-height: 1.6; margin-bottom: 14px; }
.foot-links { display: flex; flex-wrap: wrap; gap: 18px; font-size: .82rem; margin-bottom: 10px; }
.foot-links a { color: rgba(255,255,255,.55); }
.foot-links a:hover { color: var(--pink); }
.copyright { font-size: .80rem; color: rgba(255,255,255,.40); }

/* ---- Calculator ---- */
.calc-box { background: var(--white); border-radius: 14px; border: 1px solid var(--line); padding: 30px; margin: 20px 0; }
.calc-row { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 18px; margin-bottom: 18px; }
.calc-box label { display: block; font-size: .88rem; font-weight: 600; color: var(--navy); margin-bottom: 6px; }
.calc-box input, .calc-box select { width: 100%; padding: 10px 14px; border: 1.5px solid var(--line); border-radius: 8px; font-size: 1rem; font-family: inherit; }
.calc-box input:focus, .calc-box select:focus { border-color: var(--pink); outline: none; }
.btn-calc { background: var(--pink); color: #fff; border: none; padding: 14px 36px; border-radius: 10px; font-size: 1rem; font-weight: 700; cursor: pointer; font-family: 'Plus Jakarta Sans', sans-serif; }
.btn-calc:hover { background: var(--pink-d); }
.calc-result { background: var(--soft); border-radius: 10px; padding: 20px 24px; margin-top: 18px; display: none; }
.calc-result .big-num { font-size: 2rem; font-weight: 800; color: var(--pink); font-family: 'Plus Jakarta Sans', sans-serif; }

/* ---- Review stars ---- */
.review-card { background: var(--white); border: 1px solid var(--line); border-radius: 12px; padding: 20px 22px; margin-bottom: 16px; }
.reviewer { font-weight: 700; color: var(--navy); }
.review-stars { color: #f5a623; margin: 4px 0 8px; }

/* ---- Compare table ---- */
.cmp-table { width: 100%; border-collapse: collapse; font-size: .91rem; }
.cmp-table th { background: var(--navy); color: #fff; padding: 12px 16px; text-align: left; }
.cmp-table td { padding: 10px 16px; border-bottom: 1px solid var(--line); vertical-align: top; }
.cmp-table tr:nth-child(even) td { background: var(--soft); }
.cmp-table td:first-child { font-weight: 700; color: var(--navy); }

/* ---- Scroll to top ---- */
#scroll-top { position: fixed; bottom: 28px; right: 28px; background: var(--pink); color: #fff; border: none; width: 46px; height: 46px; border-radius: 50%; font-size: 1.2rem; cursor: pointer; display: none; z-index: 999; box-shadow: 0 4px 14px rgba(232,81,138,.35); }
#scroll-top:hover { background: var(--pink-d); }

/* ---- Glossary ---- */
.gloss-term { margin-bottom: 18px; padding-bottom: 18px; border-bottom: 1px solid var(--line); }
.gloss-term h3 { font-size: 1.05rem; color: var(--navy); margin-bottom: 6px; }

/* ---- Steps / How It Works ---- */
.steps { counter-reset: steps; }
.step { display: flex; gap: 20px; margin-bottom: 28px; align-items: flex-start; }
.step-num { min-width: 44px; height: 44px; background: var(--pink); color: #fff; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 800; font-size: 1.1rem; }
.step-body h3 { margin-bottom: 6px; }

/* ---- Sitemap ---- */
.site-section { margin-bottom: 28px; }
.site-section h2 { font-size: 1.1rem; color: var(--navy); border-bottom: 2px solid var(--pink); padding-bottom: 8px; margin-bottom: 12px; }
.site-section ul { list-style: none; display: grid; grid-template-columns: repeat(3,1fr); gap: 6px 20px; }
.site-section ul li a { font-size: .91rem; color: var(--ink); }
.site-section ul li a:hover { color: var(--pink); }

/* ---- 404 ---- */
.err-box { text-align: center; padding: 80px 20px; }
.err-box .code { font-size: 7rem; font-weight: 800; color: var(--pink); font-family: 'Plus Jakarta Sans', sans-serif; line-height: 1; }
.err-box h1 { font-size: 1.8rem; margin: 16px 0 12px; }


/* 5-item loan category grid: row1=3×span2, row2=2×span3 — always full rows */
.loan-cat-grid { display: grid; grid-template-columns: repeat(6,1fr); gap: 24px; margin: 28px 0; }
.loan-cat-grid .card:nth-child(-n+3) { grid-column: span 2; }
.loan-cat-grid .card:nth-child(n+4) { grid-column: span 3; }

/* ---- Responsive ---- */
@media (max-width: 1024px) {
  .main-cols { grid-template-columns: 1fr; }
  .foot-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  .hamburger { display: block; }
  .nav-links { display: none; position: absolute; top: 100%; left: 0; right: 0; background: var(--white); flex-direction: column; align-items: stretch; border-bottom: 3px solid var(--pink); box-shadow: 0 14px 26px rgba(26,53,88,.18); padding: 8px 0; z-index: 99; }
  .nav-links.open { display: flex; }
  .nav-links a.top { padding: 13px 22px; }
  .dd-menu { display: block; position: static; box-shadow: none; border: none; border-left: 3px solid var(--pink); border-radius: 0; margin-left: 22px; }
  .nav-gap { display: none; }
  .btn-apply { margin: 8px 18px; display: block; text-align: center; }
  .nav-btn-apply { margin: 8px 16px; display: block; text-align: center; }
  .hero-text { padding: 0 22px; }
  .hero-text h1 { font-size: 1.7rem; }
  .amounts { grid-template-columns: 1fr; }
  .blog-grid { grid-template-columns: 1fr; }
  .loan-cat-grid { grid-template-columns: 1fr; }
  .loan-cat-grid .card:nth-child(-n+3) { grid-column: span 1; }
  .loan-cat-grid .card:nth-child(n+4) { grid-column: span 1; }
  .related { grid-template-columns: 1fr; }
  .foot-grid { grid-template-columns: 1fr; }
  .calc-row { grid-template-columns: 1fr; }
  .content-fig, .content-fig.left { float: none; width: 100%; margin: 14px 0; }
  .site-section ul { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 480px) {
  .hero img { height: 320px; }
  .hero-text h1 { font-size: 1.4rem; }
  .trust-row { flex-direction: column; gap: 14px; }
}
@media (prefers-reduced-motion: reduce) { *, *::before, *::after { transition: none !important; animation: none !important; } }