/* fourpaylater.com — theme: white / #c7fcfc / #1ed1cd / #fa6825 / #a07ffc / #f79cbf */
:root{
  --white:#ffffff;
  --mint:#c7fcfc;
  --teal:#1ed1cd;
  --teal-d:#159a97;
  --orange:#fa6825;
  --orange-d:#d8520f;
  --purple:#a07ffc;
  --pink:#f79cbf;
  --ink:#0d2b2b;
  --ink-soft:#3a5757;
  --line:#d9f4f4;
  --bg-soft:#f4feff;
  --shadow:0 6px 24px rgba(21,154,151,.10);
  --shadow-lg:0 14px 44px rgba(21,154,151,.16);
  --radius:16px;
  --maxw:1200px;
  --serif:"Fraunces",Georgia,"Times New Roman",serif;
  --sans:"Plus Jakarta Sans","Segoe UI",system-ui,-apple-system,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;font-family:var(--sans);color:var(--ink);background:var(--white);
  line-height:1.7;font-size:17px;-webkit-font-smoothing:antialiased;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--teal-d);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
h1,h2,h3,h4{font-family:var(--serif);line-height:1.18;color:var(--ink);font-weight:600;text-wrap:balance}
h1{font-size:clamp(2rem,4.5vw,3.2rem);margin:.2em 0 .4em}
h2{font-size:clamp(1.5rem,3vw,2.1rem);margin:1.6em 0 .5em}
h3{font-size:clamp(1.2rem,2vw,1.45rem);margin:1.3em 0 .4em}
p{margin:0 0 1.1em;text-wrap:pretty}

/* ---------- Header / Nav ---------- */
.topbar{background:linear-gradient(90deg,var(--teal),var(--purple));color:#fff;font-size:13.5px}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;height:38px;gap:16px}
.topbar a{color:#fff}
.topbar .tb-right{display:flex;gap:18px;align-items:center}
header.site{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;height:74px;gap:6px}
.brand{display:flex;align-items:center;gap:10px;font-family:var(--serif);font-weight:600;font-size:1.35rem;color:var(--ink);margin-right:14px}
.brand:hover{text-decoration:none}
.brand .star{width:30px;height:30px}
.brand b{color:var(--teal-d)}
.menu{display:flex;align-items:center;gap:2px;list-style:none;margin:0;padding:0}
.menu>li{position:relative}
.menu>li>a,.menu>li>span{display:flex;align-items:center;gap:5px;padding:10px 14px;border-radius:10px;color:var(--ink);font-weight:500;cursor:pointer;font-size:15px;white-space:nowrap}
.menu>li>a:hover,.menu>li>span:hover{background:var(--mint);text-decoration:none}
.menu .caret{width:8px;height:8px;border-right:2px solid var(--ink-soft);border-bottom:2px solid var(--ink-soft);transform:rotate(45deg);margin-top:-3px}
.dropdown{position:absolute;top:calc(100% + 6px);left:0;min-width:240px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow-lg);padding:8px;opacity:0;visibility:hidden;transform:translateY(8px);transition:.18s}
.menu>li:hover .dropdown,.menu>li:focus-within .dropdown{opacity:1;visibility:visible;transform:translateY(0)}
.dropdown a{display:block;padding:9px 12px;border-radius:9px;color:var(--ink);font-size:14.5px}
.dropdown a:hover{background:var(--mint);text-decoration:none}
.nav-gap{flex:1}
.btn-apply-nav{background:var(--orange);color:#fff!important;padding:11px 24px;border-radius:30px;font-weight:700;box-shadow:0 6px 16px rgba(250,104,37,.32)}
.btn-apply-nav:hover{background:var(--orange-d);text-decoration:none}
.burger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:8px}
.burger span{width:26px;height:3px;background:var(--ink);border-radius:2px}

/* ---------- Buttons ---------- */
.btn{display:inline-block;padding:13px 30px;border-radius:30px;font-weight:700;cursor:pointer;border:none;font-size:16px;transition:.18s;text-align:center}
.btn-primary{background:var(--orange);color:#fff;box-shadow:0 8px 22px rgba(250,104,37,.3)}
.btn-primary:hover{background:var(--orange-d);text-decoration:none;transform:translateY(-2px)}
.btn-ghost{background:#fff;color:var(--teal-d);border:2px solid var(--teal)}
.btn-ghost:hover{background:var(--mint);text-decoration:none}

/* ---------- Hero ---------- */
.hero{background:linear-gradient(160deg,var(--mint) 0%,#eafdff 55%,#fff 100%);padding:54px 0 40px;position:relative;overflow:hidden}
.hero:before{content:"";position:absolute;right:-120px;top:-120px;width:380px;height:380px;background:radial-gradient(circle,var(--pink),transparent 70%);opacity:.4}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:42px;align-items:center}
.hero .eyebrow{display:inline-block;background:#fff;color:var(--teal-d);font-weight:700;font-size:13px;letter-spacing:.5px;text-transform:uppercase;padding:6px 14px;border-radius:20px;box-shadow:var(--shadow)}
.hero h1{margin-top:.4em}
.hero .lead{font-size:1.18rem;color:var(--ink-soft);max-width:38ch}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin-top:18px}
.hero-img{border-radius:22px;overflow:hidden;box-shadow:var(--shadow-lg);transform:rotate(-1.2deg)}
.hero-img img{width:100%}
.trust-row{display:flex;gap:26px;align-items:center;margin-top:24px;flex-wrap:wrap}
.trust-row .stars{color:var(--orange);font-size:20px;letter-spacing:2px}
.trust-row .t-num{font-family:var(--serif);font-size:1.5rem;font-weight:600;color:var(--ink)}
.trust-row small{display:block;color:var(--ink-soft);font-size:12.5px}

/* ---------- Breadcrumb ---------- */
.crumbs{background:var(--bg-soft);border-bottom:1px solid var(--line);font-size:13.5px}
.crumbs .wrap{padding:11px 22px}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:8px;margin:0;padding:0;color:var(--ink-soft)}
.crumbs li::after{content:"/";margin-left:8px;color:var(--teal)}
.crumbs li:last-child::after{content:""}
.crumbs a{color:var(--teal-d)}

/* ---------- Section / 2-column layout ---------- */
section{padding:46px 0}
.section-tag{color:var(--orange);font-weight:700;text-transform:uppercase;letter-spacing:1px;font-size:13px}
.lead-2col{display:grid;grid-template-columns:1.6fr 1fr;gap:40px;align-items:start}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:38px;align-items:center;margin:30px 0}
.two-col.rev .col-text{order:2}
.two-col.rev .col-media{order:1}
.col-media img{border-radius:18px;box-shadow:var(--shadow);width:100%}
.col-media.portrait{max-width:430px;margin:0 auto}
figure{margin:0}
figcaption{font-size:13px;color:var(--ink-soft);margin-top:8px;text-align:center}

/* sidebar/aside fact cards */
.aside-card{background:var(--bg-soft);border:1px solid var(--line);border-left:5px solid var(--teal);border-radius:14px;padding:20px 22px;margin:22px 0}
.aside-card h4{margin:.1em 0 .5em;color:var(--teal-d)}
.aside-card.pink{border-left-color:var(--pink)}
.aside-card.orange{border-left-color:var(--orange)}
.aside-card.purple{border-left-color:var(--purple)}
.keyfacts{list-style:none;padding:0;margin:0}
.keyfacts li{padding:9px 0;border-bottom:1px dashed var(--line);display:flex;justify-content:space-between;gap:12px}
.keyfacts li:last-child{border:none}
.keyfacts b{color:var(--ink)}

/* ---------- Cards / grids ---------- */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);transition:.2s;display:flex;flex-direction:column}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.card a.cardlink{color:inherit;display:block}
.card a.cardlink:hover{text-decoration:none}
.card .card-img{aspect-ratio:3/2;overflow:hidden}
.card .card-img img{width:100%;height:100%;object-fit:cover;transition:.4s}
.card:hover .card-img img{transform:scale(1.05)}
.card .card-body{padding:20px 22px;flex:1;display:flex;flex-direction:column}
.card .card-body h3{margin:.1em 0 .4em;font-size:1.25rem}
.card .pill{display:inline-block;background:var(--mint);color:var(--teal-d);font-size:12px;font-weight:700;padding:4px 11px;border-radius:20px;margin-bottom:10px;align-self:flex-start}
.card p{color:var(--ink-soft);font-size:15px;margin-bottom:14px}
.card .more{color:var(--orange);font-weight:700;font-size:14.5px;margin-top:auto}

/* loan amount cards */
.amount-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin:26px 0}
.amount-card{background:linear-gradient(165deg,#fff,var(--bg-soft));border:1px solid var(--line);border-radius:18px;padding:26px 24px;text-align:center;box-shadow:var(--shadow);position:relative}
.amount-card.feat{border:2px solid var(--orange)}
.amount-card .tag{position:absolute;top:-12px;left:50%;transform:translateX(-50%);background:var(--orange);color:#fff;font-size:11px;font-weight:700;padding:4px 14px;border-radius:20px}
.amount-card .amt{font-family:var(--serif);font-size:2.4rem;color:var(--teal-d);font-weight:600}
.amount-card .per{color:var(--ink-soft);font-size:14px}
.amount-card ul{list-style:none;padding:0;margin:16px 0;text-align:left;font-size:14.5px}
.amount-card ul li{padding:6px 0 6px 26px;position:relative}
.amount-card ul li:before{content:"✓";position:absolute;left:0;color:var(--teal);font-weight:800}

/* ---------- Stats strip ---------- */
.stats{background:linear-gradient(90deg,var(--teal),var(--purple));color:#fff}
.stats .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;padding:40px 22px;text-align:center}
.stats .num{font-family:var(--serif);font-size:2.4rem;font-weight:600}
.stats .lbl{opacity:.9;font-size:14px}

/* ---------- Steps ---------- */
.steps{counter-reset:step;display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.step{background:#fff;border:1px solid var(--line);border-radius:14px;padding:24px 20px;position:relative}
.step:before{counter-increment:step;content:counter(step);display:flex;align-items:center;justify-content:center;width:42px;height:42px;border-radius:50%;background:var(--orange);color:#fff;font-weight:800;font-family:var(--serif);margin-bottom:12px}
.step h4{margin:.1em 0 .3em}
.step p{color:var(--ink-soft);font-size:14.5px;margin:0}

/* ---------- Reviews ---------- */
.review-grid{columns:3;column-gap:22px}
.review-card{break-inside:avoid;background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px 22px;margin-bottom:22px;box-shadow:var(--shadow)}
.review-card .rstars{color:var(--orange);letter-spacing:2px;font-size:15px}
.review-card .rtext{font-size:15px;color:var(--ink);margin:8px 0 12px}
.review-card .rname{font-weight:700;font-size:14px}
.review-card .rmeta{color:var(--ink-soft);font-size:12.5px}
.rating-hero{display:flex;gap:30px;align-items:center;background:var(--bg-soft);border:1px solid var(--line);border-radius:18px;padding:26px 30px;flex-wrap:wrap;margin:20px 0}
.rating-hero .big{font-family:var(--serif);font-size:3.6rem;color:var(--teal-d);font-weight:600;line-height:1}
.rating-hero .stars{color:var(--orange);font-size:26px;letter-spacing:3px}

/* ---------- Compare table-cards ---------- */
.cmp{display:flex;flex-direction:column;gap:20px;margin:26px 0}
.cmp-item{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px 26px;box-shadow:var(--shadow)}
.cmp-item h3{margin:0 0 6px}
.cmp-head{display:flex;justify-content:space-between;align-items:baseline;gap:14px;flex-wrap:wrap}
.cmp-badge{font-size:12px;font-weight:700;color:#fff;background:var(--purple);padding:4px 12px;border-radius:20px;white-space:nowrap}
.cmp-specs{display:flex;flex-wrap:wrap;gap:10px;margin:12px 0}
.cmp-specs span{background:var(--mint);color:var(--teal-d);font-size:12.5px;font-weight:600;padding:5px 11px;border-radius:8px}
.cmp-item p{font-size:15px;color:var(--ink-soft);margin:.4em 0}

/* ---------- FAQ ---------- */
.faq-item{border:1px solid var(--line);border-radius:12px;margin-bottom:12px;overflow:hidden;background:#fff}
.faq-q{padding:18px 22px;font-weight:700;cursor:pointer;display:flex;justify-content:space-between;gap:14px;font-family:var(--serif);font-size:1.08rem}
.faq-q:after{content:"+";color:var(--orange);font-size:24px;line-height:1}
.faq-item.open .faq-q:after{content:"−"}
.faq-a{padding:0 22px;max-height:0;overflow:hidden;transition:.3s;color:var(--ink-soft)}
.faq-item.open .faq-a{padding:0 22px 20px;max-height:600px}

/* ---------- Calculator ---------- */
.calc-box{background:var(--bg-soft);border:1px solid var(--line);border-radius:20px;padding:30px;box-shadow:var(--shadow)}
.calc-box label{display:block;font-weight:700;margin:16px 0 6px;font-size:14.5px}
.calc-box input[type=range]{width:100%;accent-color:var(--teal)}
.calc-box .val{font-family:var(--serif);font-size:1.6rem;color:var(--teal-d)}
.calc-result{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:18px}
.calc-result.three{grid-template-columns:repeat(3,1fr)}
.calc-sub{font-size:14px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--teal-d);margin:24px 0 0}
.calc-result .rc{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px;text-align:center}
.calc-result .rc .n{font-family:var(--serif);font-size:1.5rem;color:var(--orange);font-weight:600}
.calc-result .rc .l{font-size:12.5px;color:var(--ink-soft)}
.calc-note{font-size:13px;color:var(--ink-soft);margin-top:14px}

/* ---------- Form ---------- */
.form-zone{background:#fff;border:1px solid var(--line);border-radius:20px;padding:28px;box-shadow:var(--shadow-lg);margin-top:-30px;position:relative;z-index:5}
.form-zone h2{margin-top:0}
.form-zone .secure{font-size:13px;color:var(--ink-soft);margin-top:12px}

/* ---------- Author / blog ---------- */
.post-meta{display:flex;align-items:center;gap:14px;flex-wrap:wrap;color:var(--ink-soft);font-size:14px;margin:8px 0 4px}
.author-chip{display:flex;align-items:center;gap:10px}
.author-chip .ai{width:42px;height:42px;border-radius:50%;background:linear-gradient(135deg,var(--teal),var(--purple));color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-family:var(--serif)}
.author-chip b{color:var(--ink)}
.social-row{display:flex;gap:10px;margin:8px 0}
.social-row a{width:38px;height:38px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:var(--mint);color:var(--teal-d);font-weight:700;font-size:14px}
.social-row a:hover{background:var(--teal);color:#fff;text-decoration:none}
.related{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:14px}
.author-box{display:flex;gap:16px;align-items:flex-start;background:var(--bg-soft);border:1px solid var(--line);border-radius:16px;padding:22px;margin:30px 0}
.author-box .ai{width:56px;height:56px;border-radius:50%;background:linear-gradient(135deg,var(--orange),var(--pink));color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-family:var(--serif);font-size:1.3rem;flex:0 0 auto}

/* ---------- CTA zone ---------- */
.cta-zone{background:linear-gradient(135deg,var(--purple),var(--teal));color:#fff;border-radius:26px;padding:46px;text-align:center;box-shadow:var(--shadow-lg)}
.cta-zone h2{color:#fff}
.cta-zone p{opacity:.92;max-width:54ch;margin:0 auto 22px}
.cta-zone .btn-primary{background:#fff;color:var(--orange)}
.cta-zone .btn-primary:hover{background:var(--mint)}

/* ---------- Footer ---------- */
footer.site{background:var(--ink);color:#cfeeee;padding:52px 0 26px;font-size:14.5px}
footer.site .fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:34px}
footer.site h4{color:#fff;font-size:1.05rem;margin:0 0 14px}
footer.site a{color:#aee6e5;display:block;padding:4px 0}
footer.site a:hover{color:#fff}
footer.site .fbrand{display:flex;align-items:center;gap:10px;font-family:var(--serif);font-size:1.3rem;color:#fff;margin-bottom:12px}
footer.site .fbrand img{width:28px;height:28px}
.disclosure{border-top:1px solid #234545;margin-top:34px;padding-top:22px;font-size:12.5px;color:#8fbcbc;line-height:1.6}
.copyright{text-align:center;margin-top:18px;font-size:13px;color:#7fb0b0}

/* ---------- Scroll to top ---------- */
#toTop{position:fixed;right:22px;bottom:22px;width:50px;height:50px;border-radius:50%;background:var(--orange);color:#fff;border:none;font-size:22px;cursor:pointer;box-shadow:var(--shadow-lg);opacity:0;visibility:hidden;transition:.25s;z-index:80}
#toTop.show{opacity:1;visibility:visible}
#toTop:hover{background:var(--orange-d)}

/* ---------- Prose ---------- */
.prose ul,.prose ol{margin:0 0 1.1em;padding-left:22px}
.prose li{margin:.4em 0}
.prose blockquote{border-left:4px solid var(--teal);background:var(--bg-soft);margin:1.2em 0;padding:14px 20px;border-radius:0 12px 12px 0;font-style:italic;color:var(--ink-soft)}

/* ---------- Responsive ---------- */
@media(max-width:900px){
  .hero-grid,.lead-2col,.two-col,.grid-3,.grid-2,.amount-cards,.stats .wrap,.steps,.calc-result,.related,.footer{grid-template-columns:1fr}
  .two-col.rev .col-text{order:1}.two-col.rev .col-media{order:2}
  .review-grid{columns:1}
  footer.site .fgrid{grid-template-columns:1fr 1fr}
  .stats .wrap{grid-template-columns:1fr 1fr}
  .menu{position:fixed;inset:74px 0 auto 0;flex-direction:column;background:#fff;border-bottom:1px solid var(--line);padding:14px;gap:4px;display:none;box-shadow:var(--shadow-lg);max-height:calc(100vh - 74px);overflow:auto}
  .menu.open{display:flex}
  .menu>li{width:100%}
  .menu>li>a,.menu>li>span{width:100%}
  .dropdown{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:none;padding:0 0 0 16px;display:none}
  .menu>li.exp .dropdown{display:block}
  .nav-gap{display:none}
  .burger{display:flex}
  .amount-cards{grid-template-columns:1fr}
  .grid-4{grid-template-columns:1fr 1fr}
  .calc-result{grid-template-columns:1fr 1fr}
}
@media(max-width:560px){
  body{font-size:16px}
  .cta-zone{padding:30px 22px}
  footer.site .fgrid{grid-template-columns:1fr}
  .grid-4{grid-template-columns:1fr}
}