@import url("https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800&display=swap");

:root {
  --primary-color: #1a1a1a;
  --secondary-color: #dc3545;
  --accent-color: #dc3545;
  --accent-hover: #c82333;
  --bg-main: #ffffff;
  --bg-alt: #f8fafc;
  --text-main: #1e293b;
  --text-muted: #64748b;
  --border-color: #e2e8f0;
  --shadow-sm: 0 1px 2px 0 rgb(0 0 0 / 0.05);
  --shadow-md: 0 4px 6px -1px rgb(0 0 0 / 0.1), 0 2px 4px -2px rgb(0 0 0 / 0.1);
  --shadow-lg: 0 10px 15px -3px rgb(0 0 0 / 0.1), 0 4px 6px -4px rgb(0 0 0 / 0.1);
}

*, ::after, ::before, body {
  box-sizing: border-box;
}

html {
  font-family: "Inter", sans-serif;
  line-height: 1.5;
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--text-main);
  background-color: var(--bg-main);
  display: flex;
  flex-direction: column;
  min-height: 100vh;
}

.container {
  width: 100%;
  padding-right: 24px;
  padding-left: 24px;
  margin-right: auto;
  margin-left: auto;
  max-width: 1200px;
}

/* Header */
.header {
  position: fixed;
  top: 0;
  width: 100%;
  z-index: 100;
  background: #ffffff;
  border-bottom: 1px solid var(--border-color);
  box-shadow: var(--shadow-sm);
}

.header__content {
  display: flex;
  align-items: center;
  justify-content: center;
  height: 72px;
}

@media (min-width: 768px) {
  .header__content {
    justify-content: space-between;
  }
}

.logo {
  display: inline-flex;
  align-items: center;
  color: var(--primary-color);
  text-decoration: none;
  font-size: 22px;
  font-weight: 800;
  letter-spacing: -0.5px;
}

.logo span {
  color: var(--primary-color);
}

.logo .highlight {
  color: var(--secondary-color);
  margin-left: 4px;
}

.header-nav__list {
  display: none;
  list-style: none;
  margin: 0;
  padding: 0;
  gap: 32px;
}

@media (min-width: 768px) {
  .header-nav__list {
    display: flex;
  }
}

.header-nav__link {
  color: var(--text-muted);
  text-decoration: none;
  font-size: 14px;
  font-weight: 500;
  transition: color 0.2s ease;
}

.header-nav__link:hover {
  color: var(--secondary-color);
}

/* Hero Section */
.hero {
  padding: 120px 0 60px;
  background-color: var(--bg-alt);
  border-bottom: 1px solid var(--border-color);
}

@media (min-width: 992px) {
  .hero {
    padding: 140px 0 80px;
  }
}

.hero__grid {
  display: flex;
  flex-direction: column;
  gap: 32px;
}

.hero__heading { order: 1; }
.hero__form { order: 2; width: 100%; }
.hero__body { order: 3; }

@media (min-width: 992px) {
  .hero__grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    grid-template-areas: 
      "heading form"
      "body form";
    align-items: start;
    row-gap: 16px;
    column-gap: 48px;
  }
  .hero__heading { grid-area: heading; }
  .hero__body { grid-area: body; }
  .hero__form { grid-area: form; margin-top: 0; }
}

.hero__subtitle {
  color: var(--secondary-color);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-bottom: 16px;
  display: inline-block;
}

.hero__title {
  font-size: 36px;
  font-weight: 800;
  line-height: 1.15;
  margin: 0 0 20px;
  color: var(--primary-color);
  letter-spacing: -1px;
}

.hero__title span {
  display: block;
}

.hero__title .text-gradient {
  color: var(--secondary-color);
}

@media (min-width: 768px) {
  .hero__title {
    font-size: 48px;
  }
}

.hero__desc {
  font-size: 16px;
  color: var(--text-muted);
  margin-bottom: 32px;
  line-height: 1.6;
}

@media (min-width: 768px) {
  .hero__desc {
    font-size: 18px;
    margin-bottom: 40px;
  }
}

/* Form Container */
.form-card {
  background: #ffffff;
  border: 1px solid var(--border-color);
  border-radius: 12px;
  padding: 24px;
  box-shadow: var(--shadow-lg);
}

@media (min-width: 768px) {
  .form-card {
    padding: 32px;
  }
}

/* Features */
.features {
  padding: 80px 0;
  background: #ffffff;
}

.features__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
}

@media (min-width: 768px) {
  .features__grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.feature-card {
  background: var(--bg-alt);
  border: 1px solid var(--border-color);
  border-radius: 12px;
  padding: 32px 24px;
  text-align: center;
  box-shadow: var(--shadow-sm);
}

.feature-icon {
  width: 48px;
  height: 48px;
  margin: 0 auto 20px;
  color: var(--secondary-color);
}

.feature-title {
  font-size: 18px;
  font-weight: 700;
  margin: 0 0 12px;
  color: var(--primary-color);
}

.feature-desc {
  font-size: 15px;
  color: var(--text-muted);
  margin: 0;
  line-height: 1.5;
}

/* Checkmark List */
.check-list {
  list-style: none;
  padding: 0;
  margin: 0 0 32px;
}

.check-list li {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 16px;
  font-size: 16px;
  color: var(--text-main);
  font-weight: 500;
}

.check-icon {
  width: 20px;
  height: 20px;
  color: var(--accent-color);
  flex-shrink: 0;
}

/* Footer */
.footer {
  background: var(--bg-alt);
  border-top: 1px solid var(--border-color);
  padding: 60px 0 40px;
  font-size: 13px;
  color: var(--text-muted);
}

.footer-nav {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  list-style: none;
  padding: 0;
  margin: 0 0 40px;
  gap: 20px;
}

.footer-nav a {
  color: var(--text-muted);
  text-decoration: none;
  font-weight: 500;
}

.footer-nav a:hover {
  color: var(--secondary-color);
}

.footer__disclosures p {
  margin-bottom: 16px;
  line-height: 1.6;
}

.footer__bottom {
  margin-top: 40px;
  padding-top: 24px;
  border-top: 1px solid var(--border-color);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
}

@media (min-width: 768px) {
  .footer__bottom {
    flex-direction: row;
    justify-content: space-between;
  }
}

/* Inner Pages Adaptation */
.main-content {
  padding: 120px 0 80px;
  min-height: 80vh;
}

.main-content .row {
  display: flex;
  flex-direction: column;
  gap: 40px;
}

@media (min-width: 992px) {
  .main-content .row {
    flex-direction: row;
    align-items: flex-start;
  }
  .main-content .col--text {
    flex: 1;
  }
  .main-content .col--short-form {
    width: 380px;
    flex-shrink: 0;
  }
}

.wysiwyg {
  color: var(--text-muted);
  font-size: 16px;
  line-height: 1.7;
}

.wysiwyg h1 {
  font-size: 32px;
  font-weight: 800;
  margin-top: 0;
  margin-bottom: 24px;
  color: var(--primary-color);
  letter-spacing: -0.5px;
}

.wysiwyg h2, .wysiwyg h3, .wysiwyg h4 {
  color: var(--primary-color);
  margin-top: 40px;
  margin-bottom: 20px;
  font-weight: 700;
}

.wysiwyg a {
  color: var(--secondary-color);
  text-decoration: underline;
}

.wysiwyg ul, .wysiwyg ol {
  padding-left: 20px;
  margin-bottom: 24px;
}

.wysiwyg li {
  margin-bottom: 10px;
}

.card, .short-form {
  background: #ffffff;
  border: 1px solid var(--border-color);
  border-radius: 12px;
  padding: 32px;
  box-shadow: var(--shadow-md);
  margin-bottom: 30px;
}

.short-form__header {
  font-size: 20px;
  font-weight: 700;
  margin-bottom: 24px;
  color: var(--primary-color);
  text-align: center;
}

.short-form .select, .short-form .input {
  width: 100%;
  padding: 12px 16px;
  border-radius: 8px;
  border: 1px solid var(--border-color);
  background: #ffffff;
  color: var(--text-main);
  font-size: 15px;
  font-family: inherit;
  outline: none;
  transition: all 0.2s;
}

.short-form .select:focus, .short-form .input:focus {
  border-color: var(--secondary-color);
  box-shadow: 0 0 0 3px rgba(13, 71, 161, 0.1);
}

.privacy-table {
  width: 100%;
  border-collapse: collapse;
  margin-bottom: 32px;
  font-size: 14px;
}

.privacy-table th, .privacy-table td {
  border: 1px solid var(--border-color);
  padding: 12px;
  text-align: left;
}

.privacy-table th {
  background: var(--bg-alt);
  color: var(--primary-color);
  font-weight: 600;
}

/* Footer Navigation */
.nav__list {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  list-style: none;
  padding: 0;
  margin: 0;
  gap: 20px;
  max-width: 800px;
  margin-left: auto;
  margin-right: auto;
}

@media (min-width: 768px) {
  .nav__list {
    grid-template-columns: repeat(4, 1fr);
    gap: 28px;
  }
}

@media (min-width: 992px) {
  .nav__list {
    grid-template-columns: repeat(5, 1fr);
    gap: 32px;
  }
}

.nav__item {
  list-style: none;
}

.nav__link {
  color: var(--text-muted);
  text-decoration: none;
  font-weight: 500;
  font-size: 14px;
  display: block;
  transition: color 0.2s ease;
  line-height: 1.8;
}

.nav__link:hover {
  color: var(--secondary-color);
}

/* Timeline Design for How It Works */
.process-timeline {
  padding: 60px 0 80px;
  background: #ffffff;
}

.timeline-header {
  text-align: center;
  margin-bottom: 60px;
}

.timeline-header h1 {
  font-size: 36px;
  font-weight: 800;
  margin: 0 0 12px;
  color: var(--primary-color);
  letter-spacing: -0.5px;
}

.timeline-subheader {
  font-size: 18px;
  color: var(--text-muted);
  margin: 0;
  font-weight: 500;
}

@media (min-width: 768px) {
  .timeline-header h1 {
    font-size: 44px;
  }
}

.timeline {
  position: relative;
  padding: 0;
  margin-bottom: 80px;
}

.timeline::before {
  content: '';
  position: absolute;
  left: 20px;
  top: 0;
  bottom: 0;
  width: 3px;
  background: linear-gradient(180deg, var(--secondary-color), var(--accent-hover));
}

@media (min-width: 992px) {
  .timeline::before {
    left: 50%;
    transform: translateX(-50%);
  }
}

.timeline-item {
  position: relative;
  margin-bottom: 40px;
  padding-left: 80px;
}

@media (min-width: 992px) {
  .timeline-item {
    margin-bottom: 50px;
    padding-left: 0;
    display: flex;
    gap: 60px;
  }

  .timeline-item:nth-child(odd) {
    flex-direction: row-reverse;
  }
}

.timeline-badge {
  position: absolute;
  left: 0;
  top: 0;
  width: 48px;
  height: 48px;
  background: linear-gradient(135deg, var(--secondary-color), var(--accent-hover));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #ffffff;
  font-size: 24px;
  font-weight: bold;
  box-shadow: 0 4px 12px rgba(220, 53, 69, 0.3);
  border: 3px solid #ffffff;
}

@media (min-width: 992px) {
  .timeline-badge {
    position: relative;
    left: 0;
    margin: 0 auto;
    width: 56px;
    height: 56px;
    font-size: 28px;
  }
}

.badge-icon {
  display: block;
  line-height: 1;
}

.timeline-content {
  background: var(--bg-alt);
  border: 1px solid var(--border-color);
  border-radius: 12px;
  padding: 24px;
  box-shadow: var(--shadow-sm);
  transition: all 0.3s ease;
}

@media (min-width: 768px) {
  .timeline-content {
    padding: 28px;
  }
}

@media (min-width: 992px) {
  .timeline-content {
    flex: 1;
    padding: 32px;
  }
}

.timeline-content:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--secondary-color);
  transform: translateY(-2px);
}

.timeline-content h3 {
  font-size: 20px;
  font-weight: 700;
  margin: 0 0 12px;
  color: var(--primary-color);
}

.timeline-content p {
  font-size: 15px;
  color: var(--text-muted);
  margin: 0 0 16px;
  line-height: 1.6;
}

.timeline-content p:last-of-type {
  margin-bottom: 0;
}

.timeline-meta {
  display: inline-block;
  background: rgba(220, 53, 69, 0.1);
  color: var(--secondary-color);
  padding: 6px 12px;
  border-radius: 20px;
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

/* Requirements Section */
.requirements-highlight {
  padding: 60px 0;
  border-top: 1px solid var(--border-color);
  border-bottom: 1px solid var(--border-color);
  background: var(--bg-alt);
  margin-bottom: 60px;
}

.requirements-highlight h2 {
  font-size: 32px;
  font-weight: 800;
  margin: 0 0 12px;
  color: var(--primary-color);
}

.requirements-intro {
  font-size: 16px;
  color: var(--text-muted);
  margin: 0 0 32px;
  font-weight: 500;
}

.requirements-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
}

@media (min-width: 768px) {
  .requirements-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
  }
}

@media (min-width: 992px) {
  .requirements-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.requirement-item {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  padding: 16px;
  background: #ffffff;
  border-radius: 8px;
  border: 1px solid var(--border-color);
}

.requirement-item p {
  font-size: 15px;
  color: var(--text-main);
  margin: 0;
  line-height: 1.5;
  flex: 1;
}

.req-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 24px;
  height: 24px;
  min-width: 24px;
  background: var(--secondary-color);
  color: #ffffff;
  border-radius: 50%;
  font-size: 14px;
  font-weight: 700;
  margin-top: 2px;
}

/* Details Section */
.details-section {
  padding: 0;
  margin-bottom: 60px;
}

.details-row {
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
  margin-bottom: 24px;
}

@media (min-width: 768px) {
  .details-row {
    grid-template-columns: repeat(2, 1fr);
  }
}

.detail-card {
  background: #ffffff;
  border: 1px solid var(--border-color);
  border-radius: 12px;
  padding: 28px;
  box-shadow: var(--shadow-sm);
  transition: all 0.3s ease;
}

.detail-card:hover {
  border-color: var(--secondary-color);
  box-shadow: var(--shadow-md);
}

.detail-card h3 {
  font-size: 18px;
  font-weight: 700;
  margin: 0 0 12px;
  color: var(--primary-color);
}

.detail-card p {
  font-size: 15px;
  color: var(--text-muted);
  margin: 0;
  line-height: 1.6;
}

/* Legal Notes */
.legal-notes {
  padding: 40px 24px;
  background: var(--bg-alt);
  border-radius: 12px;
  border: 1px solid var(--border-color);
}

.legal-content h3 {
  font-size: 20px;
  font-weight: 700;
  margin: 0 0 20px;
  color: var(--primary-color);
}

.legal-content p {
  font-size: 15px;
  color: var(--text-muted);
  margin-bottom: 16px;
  line-height: 1.6;
}

.legal-content p:last-child {
  margin-bottom: 0;
}

/* About Us Page - American Speedy Loan */
.speedy-hero {
  text-align: center;
  margin-bottom: 60px;
  padding: 40px 0;
}

.speedy-hero h1 {
  font-size: 44px;
  font-weight: 800;
  margin: 0 0 12px;
  color: var(--primary-color);
  letter-spacing: -1px;
}

.speedy-hero h1 .highlight-text {
  color: var(--secondary-color);
  display: block;
}

.hero-subtitle {
  font-size: 20px;
  color: var(--secondary-color);
  margin: 0;
  font-weight: 700;
  letter-spacing: 0.5px;
}

@media (min-width: 768px) {
  .speedy-hero h1 {
    font-size: 56px;
  }

  .speedy-hero h1 .highlight-text {
    display: inline;
  }
}

.speed-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-bottom: 80px;
}

@media (min-width: 768px) {
  .speed-stats {
    gap: 40px;
  }
}

.stat-box {
  background: linear-gradient(135deg, var(--secondary-color), var(--accent-hover));
  color: #ffffff;
  padding: 32px 20px;
  border-radius: 12px;
  text-align: center;
  box-shadow: 0 8px 24px rgba(220, 53, 69, 0.2);
  transition: all 0.3s ease;
}

.stat-box:hover {
  transform: translateY(-6px);
  box-shadow: 0 12px 32px rgba(220, 53, 69, 0.3);
}

.stat-number {
  font-size: 36px;
  font-weight: 800;
  line-height: 1;
  margin-bottom: 8px;
}

@media (min-width: 768px) {
  .stat-number {
    font-size: 44px;
  }
}

.stat-label {
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1px;
  opacity: 0.95;
}

.speedy-mission {
  background: var(--bg-alt);
  border-radius: 12px;
  padding: 48px 32px;
  margin-bottom: 60px;
  border: 2px solid var(--secondary-color);
}

@media (min-width: 768px) {
  .speedy-mission {
    padding: 60px 48px;
  }
}

.speedy-mission h2 {
  font-size: 28px;
  font-weight: 800;
  margin: 0 0 16px;
  color: var(--primary-color);
}

.mission-text {
  font-size: 16px;
  color: var(--text-muted);
  line-height: 1.8;
  margin-bottom: 40px;
}

.mission-benefits {
  display: grid;
  grid-template-columns: 1fr;
  gap: 28px;
  margin-bottom: 32px;
}

@media (min-width: 768px) {
  .mission-benefits {
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
  }
}

.benefit-row {
  padding: 20px;
  background: #ffffff;
  border-left: 4px solid var(--secondary-color);
  border-radius: 4px;
}

.benefit-row h3 {
  font-size: 16px;
  font-weight: 700;
  margin: 0 0 10px;
  color: var(--primary-color);
}

.benefit-row p {
  font-size: 14px;
  color: var(--text-muted);
  margin: 0;
  line-height: 1.6;
}

.closing-statement {
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.8;
  margin: 0;
  padding: 0 20px;
  border-left: 4px solid var(--secondary-color);
  font-weight: 500;
}

/* Contact Page - American Speedy Loan */
.speedy-contact-hero {
  text-align: center;
  margin-bottom: 60px;
  padding: 40px 0;
  border-bottom: 2px solid var(--secondary-color);
}

.speedy-contact-hero h1 {
  font-size: 44px;
  font-weight: 800;
  margin: 0 0 12px;
  color: var(--primary-color);
}

.speedy-contact-hero p {
  font-size: 18px;
  color: var(--secondary-color);
  margin: 0;
  font-weight: 600;
}

@media (min-width: 768px) {
  .speedy-contact-hero h1 {
    font-size: 52px;
  }
}

.speedy-contact-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
  margin-bottom: 60px;
}

@media (min-width: 768px) {
  .speedy-contact-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.contact-action-card {
  background: #ffffff;
  border: 2px solid var(--border-color);
  border-radius: 12px;
  padding: 32px 24px;
  text-align: center;
  transition: all 0.3s ease;
}

.contact-action-card.highlighted {
  border-color: var(--secondary-color);
  box-shadow: 0 8px 24px rgba(220, 53, 69, 0.15);
  transform: scale(1.02);
}

@media (min-width: 768px) {
  .contact-action-card.highlighted {
    transform: scale(1.05);
  }
}

.contact-action-card:hover:not(.highlighted) {
  border-color: var(--secondary-color);
  box-shadow: var(--shadow-md);
}

.action-icon {
  font-size: 48px;
  display: block;
  margin-bottom: 16px;
  line-height: 1;
}

.contact-action-card h3 {
  font-size: 20px;
  font-weight: 700;
  margin: 0 0 12px;
  color: var(--primary-color);
}

.contact-action-card p {
  font-size: 15px;
  color: var(--text-muted);
  margin: 0 0 24px;
  line-height: 1.6;
}

.action-button {
  display: inline-block;
  background: var(--secondary-color);
  color: #ffffff;
  padding: 12px 28px;
  border-radius: 6px;
  text-decoration: none;
  font-weight: 600;
  font-size: 14px;
  transition: all 0.2s ease;
}

.action-button:hover {
  background: var(--accent-hover);
  transform: translateY(-2px);
  box-shadow: 0 6px 12px rgba(220, 53, 69, 0.25);
}

.speedy-contact-cta {
  background: linear-gradient(135deg, var(--secondary-color), var(--accent-hover));
  color: #ffffff;
  border-radius: 12px;
  padding: 48px 32px;
  text-align: center;
  margin-bottom: 60px;
}

@media (min-width: 768px) {
  .speedy-contact-cta {
    padding: 60px 48px;
  }
}

.speedy-contact-cta h2 {
  font-size: 32px;
  font-weight: 800;
  margin: 0 0 12px;
  color: #ffffff;
}

.speedy-contact-cta p {
  font-size: 16px;
  margin: 0;
  opacity: 0.95;
  line-height: 1.6;
}

/* Why Choose Us - American Speedy Loan */
.speedy-why-header {
  text-align: center;
  margin-bottom: 60px;
  padding: 40px 0;
  border-bottom: 2px solid var(--secondary-color);
}

.speedy-why-header h1 {
  font-size: 44px;
  font-weight: 800;
  margin: 0 0 12px;
  color: var(--primary-color);
}

.speedy-why-header p {
  font-size: 18px;
  color: var(--text-muted);
  margin: 0;
}

@media (min-width: 768px) {
  .speedy-why-header h1 {
    font-size: 52px;
  }
}

.comparison-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 28px;
  margin-bottom: 60px;
}

@media (min-width: 768px) {
  .comparison-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

.comparison-item {
  background: #ffffff;
  border: 2px solid var(--border-color);
  border-radius: 12px;
  padding: 40px 28px;
  text-align: center;
  transition: all 0.3s ease;
}

.comparison-item.highlighted {
  border-color: var(--secondary-color);
  background: rgba(220, 53, 69, 0.03);
  transform: scale(1.02);
}

@media (min-width: 768px) {
  .comparison-item.highlighted {
    transform: scale(1.05);
  }
}

.comparison-icon {
  font-size: 48px;
  display: block;
  margin-bottom: 16px;
  line-height: 1;
}

.comparison-item h3 {
  font-size: 22px;
  font-weight: 800;
  margin: 0 0 24px;
  color: var(--primary-color);
}

.comparison-list {
  list-style: none;
  padding: 0;
  margin: 0;
}

.comparison-list li {
  font-size: 15px;
  color: var(--text-muted);
  margin-bottom: 12px;
  line-height: 1.6;
}

.comparison-list li:last-child {
  margin-bottom: 0;
}

.speedy-why-cta {
  background: linear-gradient(135deg, var(--secondary-color), var(--accent-hover));
  color: #ffffff;
  border-radius: 12px;
  padding: 48px 32px;
  text-align: center;
}

@media (min-width: 768px) {
  .speedy-why-cta {
    padding: 60px 48px;
  }
}

.speedy-why-cta h2 {
  font-size: 32px;
  font-weight: 800;
  margin: 0 0 12px;
  color: #ffffff;
}

.speedy-why-cta p {
  font-size: 16px;
  margin: 0 0 32px;
  opacity: 0.95;
  line-height: 1.6;
}

.speed-badges {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: 12px;
}

.badge {
  background: rgba(255, 255, 255, 0.2);
  color: #ffffff;
  padding: 12px 16px;
  border-radius: 8px;
  font-size: 14px;
  font-weight: 600;
}

/* Speedy FAQ Accordion */
.speedy-faq-header {
  text-align: center;
  margin-bottom: 48px;
}

.speedy-faq-header h1 {
  font-size: 32px;
  font-weight: 800;
  color: var(--primary-color);
  margin: 0 0 12px;
}

.speedy-faq-header .faq-intro {
  font-size: 16px;
  color: var(--text-muted);
  margin: 0 0 12px;
  line-height: 1.6;
}

.speedy-faq-header .faq-subtitle {
  font-size: 16px;
  color: var(--secondary-color);
  font-weight: 600;
  margin: 0;
}

.speedy-faq-accordion {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.speedy-accordion-item {
  border: 2px solid var(--border-color);
  border-radius: 8px;
  overflow: hidden;
  transition: all 0.3s ease;
}

.speedy-accordion-item.active {
  border-color: var(--secondary-color);
  box-shadow: 0 0 0 3px rgba(220, 53, 69, 0.1);
}

.speedy-accordion-header {
  width: 100%;
  padding: 20px;
  border: none;
  background: #ffffff;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  transition: all 0.2s ease;
  font-family: inherit;
}

.speedy-accordion-item.active .speedy-accordion-header {
  background: linear-gradient(135deg, rgba(220, 53, 69, 0.05), rgba(220, 53, 69, 0.02));
}

.speedy-accordion-header:hover {
  background: #f8fafc;
}

.speedy-accordion-title {
  font-size: 16px;
  font-weight: 600;
  color: var(--primary-color);
  text-align: left;
}

.speedy-accordion-icon {
  font-size: 20px;
  color: var(--secondary-color);
  transition: transform 0.3s ease;
  margin-left: 16px;
  flex-shrink: 0;
}

.speedy-accordion-item.active .speedy-accordion-icon {
  transform: rotate(90deg);
}

.speedy-accordion-content {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
  padding: 0 20px;
  background: #ffffff;
}

.speedy-accordion-item.active .speedy-accordion-content {
  max-height: 2000px;
  padding: 0 20px 20px;
}

.speedy-accordion-content p {
  margin: 0 0 12px;
  font-size: 15px;
  color: var(--text-main);
  line-height: 1.6;
}

.speedy-accordion-content p:last-child {
  margin-bottom: 0;
}

.speedy-accordion-content ol {
  margin: 12px 0;
  padding-left: 24px;
}

.speedy-accordion-content li {
  margin-bottom: 8px;
  color: var(--text-main);
  font-size: 15px;
  line-height: 1.5;
}

@media (min-width: 768px) {
  .speedy-accordion-item {
    border-radius: 10px;
  }

  .speedy-accordion-header {
    padding: 24px;
  }

  .speedy-accordion-content {
    padding: 0 24px;
  }

  .speedy-accordion-item.active .speedy-accordion-content {
    padding: 0 24px 24px;
  }
}

/* Speedy Rates & Fees Page */
.speedy-rates-header {
  text-align: center;
  margin-bottom: 48px;
}

.speedy-rates-header h1 {
  font-size: 32px;
  color: var(--primary-color);
  margin-bottom: 16px;
}

.speedy-rates-intro {
  font-size: 16px;
  color: var(--text-main);
  max-width: 600px;
  margin: 0 auto 0 auto;
  line-height: 1.6;
}

.speedy-rates-list {
  display: flex;
  flex-direction: column;
  gap: 24px;
  margin-bottom: 40px;
}

.speedy-rates-item {
  display: flex;
  gap: 20px;
  align-items: flex-start;
  background: #fff;
  border: 2px solid #e0e0e0;
  border-radius: 8px;
  padding: 24px;
  transition: all 0.3s ease;
}

.speedy-rates-item:hover {
  border-color: var(--secondary-color);
  box-shadow: 0 8px 16px rgba(220, 53, 69, 0.1);
  transform: translateY(-2px);
}

.speedy-rates-badge {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  background: var(--secondary-color);
  color: #fff;
  border-radius: 50%;
  font-size: 20px;
  font-weight: 700;
  flex-shrink: 0;
}

.speedy-rates-content h3 {
  font-size: 18px;
  font-weight: 600;
  color: var(--secondary-color);
  margin: 0 0 12px 0;
}

.speedy-rates-content p {
  font-size: 14px;
  line-height: 1.6;
  color: var(--text-main);
  margin: 0;
}

.speedy-rates-disclaimer {
  background: #fff5f6;
  border-left: 4px solid var(--secondary-color);
  padding: 20px;
  border-radius: 4px;
  margin-top: 40px;
}

.speedy-rates-disclaimer p {
  font-size: 14px;
  line-height: 1.6;
  color: var(--text-main);
  margin: 0;
}

@media (max-width: 768px) {
  .speedy-rates-header h1 {
    font-size: 24px;
  }

  .speedy-rates-intro {
    font-size: 14px;
  }

  .speedy-rates-item {
    flex-direction: column;
    padding: 16px;
    gap: 12px;
  }

  .speedy-rates-badge {
    width: 40px;
    height: 40px;
    font-size: 18px;
  }

  .speedy-rates-content h3 {
    font-size: 16px;
  }

  .speedy-rates-content p {
    font-size: 13px;
  }
}

/* Speedy Policy on Responsible Lending */
.speedy-policy-header {
  text-align: center;
  margin-bottom: 48px;
}

.speedy-policy-header h1 {
  font-size: 32px;
  color: var(--primary-color);
  margin-bottom: 16px;
}

.speedy-policy-intro {
  font-size: 16px;
  color: var(--text-main);
  max-width: 650px;
  margin: 0 auto 0 auto;
  line-height: 1.6;
}

.speedy-policy-requirements {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin-bottom: 40px;
}

.speedy-policy-item {
  display: flex;
  gap: 20px;
  background: #fff;
  border: 2px solid #e0e0e0;
  border-radius: 8px;
  padding: 24px;
  transition: all 0.3s ease;
  align-items: flex-start;
}

.speedy-policy-item:hover {
  border-color: var(--secondary-color);
  box-shadow: 0 8px 16px rgba(220, 53, 69, 0.1);
  transform: translateY(-2px);
}

.speedy-policy-badge {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  background: var(--secondary-color);
  color: #fff;
  border-radius: 50%;
  font-size: 20px;
  font-weight: 700;
  flex-shrink: 0;
}

.speedy-policy-body h3 {
  font-size: 20px;
  font-weight: 600;
  color: var(--secondary-color);
  margin: 0 0 12px 0;
}

.speedy-policy-body p {
  font-size: 15px;
  line-height: 1.6;
  color: var(--text-main);
  margin: 0;
}

@media (max-width: 768px) {
  .speedy-policy-header h1 {
    font-size: 24px;
  }

  .speedy-policy-intro {
    font-size: 14px;
  }

  .speedy-policy-item {
    flex-direction: column;
    padding: 16px;
    gap: 12px;
  }

  .speedy-policy-badge {
    width: 40px;
    height: 40px;
    font-size: 18px;
  }

  .speedy-policy-body h3 {
    font-size: 18px;
  }

  .speedy-policy-body p {
    font-size: 14px;
  }
}

/* Speedy Disclaimer */
.speedy-disclaimer-header {
  text-align: center;
  margin-bottom: 48px;
}

.speedy-disclaimer-header h1 {
  font-size: 32px;
  color: var(--primary-color);
  margin: 0;
}

.speedy-disclaimer-content {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.speedy-disclaimer-point {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  background: #fff;
  border-left: 4px solid var(--secondary-color);
  border-radius: 4px;
  padding: 20px;
  transition: all 0.3s ease;
}

.speedy-disclaimer-point:hover {
  box-shadow: 0 4px 12px rgba(220, 53, 69, 0.1);
}

.speedy-point-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  background: var(--secondary-color);
  color: #fff;
  border-radius: 50%;
  font-size: 16px;
  font-weight: 700;
  flex-shrink: 0;
}

.speedy-point-body p {
  font-size: 14px;
  line-height: 1.6;
  color: var(--text-main);
  margin: 0;
}

.speedy-point-body strong {
  color: var(--secondary-color);
  font-weight: 600;
}

.speedy-point-body a {
  color: var(--secondary-color);
  text-decoration: underline;
}

@media (max-width: 768px) {
  .speedy-disclaimer-header h1 {
    font-size: 24px;
  }

  .speedy-disclaimer-point {
    padding: 16px;
    gap: 12px;
  }

  .speedy-point-icon {
    width: 32px;
    height: 32px;
    font-size: 14px;
  }

  .speedy-point-body p {
    font-size: 13px;
  }
}

/* Speedy E-Consent Page */
.speedy-econsent-header {
  text-align: center;
  margin-bottom: 40px;
}

.speedy-econsent-header h1 {
  font-size: 32px;
  color: var(--primary-color);
  margin: 0 0 12px 0;
}

.speedy-econsent-intro {
  font-size: 15px;
  color: var(--text-main);
  margin: 0;
  font-style: italic;
}

.speedy-econsent-content {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.speedy-econsent-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  background: #fff;
  border-left: 4px solid var(--secondary-color);
  border-radius: 4px;
  padding: 20px;
  transition: all 0.3s ease;
}

.speedy-econsent-item:hover {
  box-shadow: 0 4px 12px rgba(220, 53, 69, 0.1);
}

.speedy-econsent-badge {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  background: var(--secondary-color);
  color: #fff;
  border-radius: 50%;
  font-size: 20px;
  font-weight: 700;
  flex-shrink: 0;
}

.speedy-econsent-body h3 {
  font-size: 16px;
  font-weight: 600;
  color: var(--primary-color);
  margin: 0 0 8px 0;
}

.speedy-econsent-body p {
  font-size: 14px;
  line-height: 1.6;
  color: var(--text-main);
  margin: 0;
}

.speedy-econsent-body strong {
  color: var(--secondary-color);
  font-weight: 600;
}

.speedy-econsent-body a {
  color: var(--secondary-color);
  text-decoration: underline;
}

.speedy-econsent-consent {
  background: rgba(220, 53, 69, 0.03);
  border-left-color: var(--secondary-color);
}

@media (max-width: 768px) {
  .speedy-econsent-header h1 {
    font-size: 24px;
  }

  .speedy-econsent-item {
    padding: 16px;
    gap: 12px;
  }

  .speedy-econsent-badge {
    width: 40px;
    height: 40px;
    font-size: 18px;
  }

  .speedy-econsent-body h3 {
    font-size: 15px;
  }

  .speedy-econsent-body p {
    font-size: 13px;
  }
}

/* Privacy Policy & Terms of Use Tables */
.card table.rates-table,
.card table.privacy-table {
  width: 100%;
  border-collapse: collapse;
  margin-bottom: 20px;
}

.card table.rates-table th,
.card table.privacy-table th,
.card table.rates-table td,
.card table.privacy-table td {
  padding: 16px;
  text-align: left;
  border: 1px solid #e0e0e0;
  font-size: 14px;
  line-height: 1.6;
}

.card table.rates-table th,
.card table.privacy-table th {
  background: rgba(220, 53, 69, 0.05);
  color: var(--secondary-color);
  font-weight: 600;
}

.card table.rates-table tr:hover,
.card table.privacy-table tr:hover {
  background-color: rgba(220, 53, 69, 0.02);
}

.card table.rates-table tbody tr:nth-child(even),
.card table.privacy-table tbody tr:nth-child(even) {
  background-color: #fafafa;
}

.card table.rates-table tbody tr:nth-child(even):hover,
.card table.privacy-table tbody tr:nth-child(even):hover {
  background-color: rgba(220, 53, 69, 0.03);
}

@media (max-width: 768px) {
  .card table.rates-table,
  .card table.privacy-table {
    font-size: 12px;
  }

  .card table.rates-table th,
  .card table.privacy-table th,
  .card table.rates-table td,
  .card table.privacy-table td {
    padding: 12px;
  }
}