/* ═══════════════════ LOAN PAGE · css/loan.css ═══════════════════
   White base · orange accent · immersive hero · calculator-first */
.ln{--o:#FF7A2E;--o-deep:#E8631B;--o-soft:#FFF1E8;--rad:20px;--rad-lg:28px;--gap:20px}
.ln-h2{font-family:'Fraunces',Georgia,serif;font-size:clamp(1.7rem,3.4vw,2.5rem);font-weight:500;color:var(--c-ink);line-height:1.16;margin:8px 0 0}
.ln-h2 em{font-style:italic;color:var(--o-deep)}
.ln-white{color:#fff}.ln-white em{color:var(--o)}
.ln-eyebrow{font-size:.72rem;font-weight:700;letter-spacing:.16em;color:var(--c-ink-mute);text-transform:uppercase}
.ln-head{display:flex;justify-content:space-between;align-items:flex-end;gap:32px;margin-bottom:48px;flex-wrap:wrap}
.ln-head-sub{color:var(--c-ink-mute);font-size:.92rem;line-height:1.6;text-align:right;margin:0;flex-shrink:0}
.ln-head-center{justify-content:center;text-align:center;margin-bottom:48px}.ln-center-h{text-align:center}
.ln-pill{display:inline-block;padding:6px 16px;font-size:.72rem;font-weight:700;border-radius:var(--r-pill);background:var(--o-soft);color:var(--o-deep)}
.ln-tag{display:inline-block;padding:3px 11px;font-size:.66rem;font-weight:700;border-radius:var(--r-pill);margin-bottom:12px}
.ln-tag-o{background:var(--o-soft);color:var(--o-deep)}.ln-tag-g{background:var(--c-green-soft);color:var(--c-green-deep)}.ln-tag-b{background:var(--c-blue-soft);color:var(--c-blue)}
.ln-btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 26px;border-radius:var(--r-pill);font-size:.88rem;font-weight:600;text-decoration:none;border:none;cursor:pointer;transition:all .25s;line-height:1;font-family:inherit}
.ln-arr{display:inline-flex;align-items:center;justify-content:center;width:22px;height:22px;border-radius:50%;background:rgba(255,255,255,.22);font-size:.78rem;transition:transform .25s}
.ln-btn:hover .ln-arr{transform:translateX(3px)}
.ln-btn-orange{background:var(--o);color:#fff;box-shadow:0 8px 22px -8px rgba(255,122,46,.55)}.ln-btn-orange:hover{background:var(--o-deep);transform:translateY(-2px)}
.ln-btn-dark{background:var(--c-ink);color:#fff}.ln-btn-dark:hover{background:#2a2a2a;transform:translateY(-2px)}
.ln-btn-white{background:#fff;color:var(--o-deep)}.ln-btn-white:hover{transform:translateY(-2px);box-shadow:var(--sh-lg)}
.ln-btn-ghost-w{background:rgba(255,255,255,.15);color:#fff;border:1px solid rgba(255,255,255,.35)}.ln-btn-ghost-w:hover{background:rgba(255,255,255,.25)}
.ln-full{width:100%;margin-top:16px}
.ln-tick{width:24px;height:24px;border-radius:50%;background:var(--c-green-soft);color:var(--c-green-deep);display:inline-flex;align-items:center;justify-content:center;font-size:.8rem;font-weight:700;flex-shrink:0}

/* HERO */
.ln-hero{position:relative;min-height:600px;display:flex;overflow:hidden;padding:128px 0 40px}
.ln-hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.ln-hero-shade{position:absolute;inset:0;background:linear-gradient(180deg,rgba(26,26,26,.55) 0%,rgba(26,26,26,.35) 40%,rgba(26,26,26,.82) 100%)}
.ln-hero-inner{position:relative;z-index:2;display:flex;flex-direction:column;justify-content:space-between;width:100%}
.ln-hero-top{display:flex;justify-content:space-between;align-items:flex-start;gap:40px}
.ln-hero-rating{background:rgba(255,255,255,.12);backdrop-filter:blur(16px);border:1px solid rgba(255,255,255,.22);border-radius:var(--rad);padding:18px 22px;max-width:230px}
.ln-rate-star{font-size:.7rem;font-weight:700;color:var(--o);background:rgba(255,255,255,.15);display:inline-block;padding:3px 10px;border-radius:var(--r-pill);margin-bottom:10px}
.ln-hero-rating strong{display:block;font-family:'Fraunces',serif;font-size:2rem;color:#fff;font-weight:500;line-height:1}
.ln-hero-rating span{display:block;font-size:.74rem;color:rgba(255,255,255,.7);margin-top:6px;line-height:1.4}
.ln-hero-desc{max-width:340px;color:rgba(255,255,255,.82);font-size:.86rem;line-height:1.65;text-align:right}
.ln-hero-desc b{color:#fff;display:block;margin-top:8px;font-weight:600}
.ln-hero-bottom{display:flex;justify-content:space-between;align-items:flex-end;gap:40px;margin-top:56px}
.ln-hero-head{font-family:'Fraunces',Georgia,serif;font-size:clamp(2.2rem,5.5vw,4rem);font-weight:500;color:#fff;line-height:1.08;margin:0}
.ln-hero-head em{font-style:italic}
.ln-head-chip{display:inline-flex;align-items:center;justify-content:center;width:.95em;height:.95em;background:var(--o);border-radius:14px;font-size:.6em;vertical-align:middle;padding:.18em}
.ln-hero-person{position:relative;background:rgba(255,255,255,.14);backdrop-filter:blur(18px);border:1px solid rgba(255,255,255,.25);border-radius:var(--rad-lg);padding:14px;width:280px;flex-shrink:0}
.ln-person-expand{position:absolute;top:18px;right:18px;width:30px;height:30px;border-radius:50%;background:rgba(255,255,255,.9);color:var(--c-ink);display:flex;align-items:center;justify-content:center;text-decoration:none;font-size:.9rem;z-index:2}
.ln-hero-person>img{width:100%;height:150px;object-fit:cover;border-radius:18px;display:block}
.ln-person-info{padding:14px 6px 12px}
.ln-person-info strong{display:block;color:#fff;font-size:.95rem;font-weight:600}
.ln-person-info span{font-size:.74rem;color:rgba(255,255,255,.65)}
.ln-person-btns{display:flex;gap:8px}
.ln-pbtn{flex:1;text-align:center;padding:11px;border-radius:var(--r-pill);font-size:.8rem;font-weight:600;text-decoration:none;transition:all .25s}
.ln-pbtn-ghost{background:rgba(255,255,255,.15);color:#fff;border:1px solid rgba(255,255,255,.3)}.ln-pbtn-ghost:hover{background:rgba(255,255,255,.25)}
.ln-pbtn-fill{background:#fff;color:var(--c-ink)}.ln-pbtn-fill:hover{background:var(--o);color:#fff}

/* CALCULATOR (first below hero) */
.ln-calc{padding:80px 0;background:var(--c-cream-soft)}
.ln-calc-wrap{display:grid;grid-template-columns:1fr 1.05fr;gap:56px;align-items:center}
.ln-calc-intro .ln-h2{margin:10px 0 16px}
.ln-calc-intro p{color:var(--c-ink-mute);font-size:.94rem;line-height:1.7;margin:0 0 24px}
.ln-calc-checks{list-style:none;margin:0 0 28px;padding:0}
.ln-calc-checks li{display:flex;align-items:flex-start;gap:12px;padding:8px 0;font-size:.88rem;color:var(--c-ink-soft);line-height:1.5}
.ln-calc-box{background:#fff;border-radius:var(--rad-lg);box-shadow:var(--sh-lg);overflow:hidden;border:1px solid var(--c-border-light)}
.ln-calc-tabs{display:flex;border-bottom:1px solid var(--c-border-light);background:var(--c-off-white)}
.ln-calc-tab{flex:1;padding:15px 8px;font-size:.8rem;font-weight:600;color:var(--c-ink-mute);background:none;border:none;cursor:pointer;transition:all .25s;border-bottom:3px solid transparent;font-family:inherit}
.ln-calc-tab:hover{color:var(--c-ink)}
.ln-calc-tab.active{color:var(--o-deep);background:#fff;border-bottom-color:var(--o)}
.ln-tab{display:none;padding:28px 28px 30px}
.ln-tab.active{display:block}
.ln-field{margin-bottom:18px}
.ln-field label{display:flex;justify-content:space-between;align-items:center;font-size:.78rem;font-weight:600;color:var(--c-ink);margin-bottom:6px}
.ln-field label b{color:var(--o-deep);font-size:.84rem}
.ln-2col{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:16px}
.ln-2col>div{margin-bottom:0}
.ln-inp{display:flex;align-items:center;gap:8px;background:var(--c-off-white);border:1px solid var(--c-border-light);border-radius:12px;padding:11px 14px;transition:all .2s}
.ln-inp:focus-within{border-color:var(--o);box-shadow:0 0 0 3px var(--o-soft)}
.ln-inp span{font-size:.84rem;color:var(--c-ink-mute);flex-shrink:0}
.ln-inp input{border:none;background:none;outline:none;font-size:.92rem;font-weight:500;color:var(--c-ink);width:100%;font-family:inherit}
.ln-field input[type=range]{width:100%;margin-top:10px;accent-color:var(--o);height:5px;cursor:pointer}
.ln-rl{display:flex;justify-content:space-between;font-size:.68rem;color:var(--c-ink-mute);margin-top:3px}
.ln-calc-out{background:var(--o-soft);border-radius:var(--rad);padding:18px 20px;margin-top:18px}
.ln-out-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:12px;padding-bottom:12px;border-bottom:1px solid rgba(232,99,27,.15)}
.ln-out-head span{font-size:.82rem;color:var(--c-ink-soft);font-weight:500}
.ln-out-head strong{font-family:'Fraunces',serif;font-size:1.5rem;color:var(--o-deep);font-weight:500}
.ln-out-row{display:flex;justify-content:space-between;align-items:center;padding:6px 0;font-size:.84rem;color:var(--c-ink-soft)}
.ln-out-row b{color:var(--c-ink);font-weight:600}
.ln-out-tot{border-top:1px solid rgba(232,99,27,.15);margin-top:4px;padding-top:10px;font-weight:600;color:var(--c-ink)}
.ln-out-save b{color:var(--c-green-deep);font-size:1rem}
.ln-d{width:9px;height:9px;border-radius:50%;margin-right:7px;display:inline-block}
.ln-dp{background:var(--o)}.ln-di{background:var(--c-ink)}

/* LOAN TYPES */
.ln-types{padding:80px 0;background:var(--c-white)}
.ln-type-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:var(--gap)}
.ln-type-card{background:#fff;border-radius:var(--rad);overflow:hidden;text-decoration:none;color:var(--c-ink);border:1px solid var(--c-border-light);transition:box-shadow .3s,transform .3s;display:flex;flex-direction:column}
.ln-type-card:hover{box-shadow:var(--sh-lg);transform:translateY(-6px)}
.ln-type-img{height:140px;overflow:hidden}
.ln-type-img img{width:100%;height:100%;object-fit:cover;transition:transform .5s}
.ln-type-card:hover .ln-type-img img{transform:scale(1.07)}
.ln-type-body{padding:22px 20px;display:flex;flex-direction:column;flex:1}
.ln-type-icon{width:44px;height:44px;border-radius:12px;background:var(--o-soft);display:flex;align-items:center;justify-content:center;font-size:1.3rem;margin:-44px 0 14px;position:relative;border:3px solid #fff;box-shadow:var(--sh-sm)}
.ln-type-body h3{font-size:1rem;font-weight:600;margin:0 0 6px;line-height:1.25}
.ln-type-body p{font-size:.82rem;color:var(--c-ink-mute);line-height:1.55;margin:0 0 16px;flex:1}
.ln-type-link{display:inline-flex;align-items:center;gap:7px;font-size:.82rem;font-weight:600;color:var(--o-deep)}
.ln-type-link .ln-arr{background:var(--o-soft);color:var(--o-deep)}

/* BANKS */
.ln-banks{padding:80px 0;background:var(--c-cream-soft)}
.ln-bank-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--gap)}
.ln-bank-card{background:#fff;border:1px solid var(--c-border-light);border-radius:var(--rad);padding:28px 24px;text-align:center;position:relative;transition:box-shadow .3s,transform .3s,border-color .3s}
.ln-bank-card:hover{box-shadow:var(--sh-md);transform:translateY(-4px);border-color:transparent}
.ln-bank-logo{height:42px;display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.ln-bank-logo img{height:38px;width:auto;max-width:130px;object-fit:contain}
.ln-bank-card h4{font-size:.9rem;font-weight:600;color:var(--c-ink);margin:0 0 10px}
.ln-bank-rate strong{font-family:'Fraunces',serif;font-size:1.5rem;color:var(--o-deep);font-weight:500}
.ln-bank-rate span{font-size:.74rem;color:var(--c-ink-mute);margin-left:5px}
.ln-bank-tenure{display:block;font-size:.74rem;color:var(--c-ink-mute);margin-top:4px}
.ln-bank-tag{position:absolute;top:14px;right:14px;padding:3px 11px;font-size:.62rem;font-weight:700;border-radius:var(--r-pill);background:var(--o);color:#fff}
.ln-bank-tag-d{background:var(--c-ink)}
.ln-disclaimer{text-align:center;font-size:.74rem;color:var(--c-ink-mute);margin-top:24px}

/* TRENDING */
.ln-trend{padding:80px 0;background:var(--c-white)}
.ln-trend-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:var(--gap)}
.ln-trend-card{background:var(--c-cream-soft);border-radius:var(--rad);padding:28px 24px;border:1px solid var(--c-border-light);transition:box-shadow .3s,transform .3s}
.ln-trend-card:hover{box-shadow:var(--sh-md);transform:translateY(-4px);background:#fff}
.ln-trend-card h3{font-size:1rem;font-weight:600;color:var(--c-ink);margin:0 0 8px;line-height:1.3}
.ln-trend-card p{font-size:.82rem;color:var(--c-ink-mute);line-height:1.6;margin:0}

/* WHY SAVE */
.ln-save{padding:80px 0;background:var(--c-cream-soft)}
.ln-save-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:56px;align-items:center}
.ln-save-img{position:relative;border-radius:var(--rad-lg);overflow:hidden}
.ln-save-img img{width:100%;height:440px;object-fit:cover;transition:transform .6s}
.ln-save-img:hover img{transform:scale(1.04)}
.ln-save-float{position:absolute;bottom:22px;left:22px;background:var(--o);color:#fff;padding:16px 22px;border-radius:var(--rad);box-shadow:0 16px 40px -12px rgba(255,122,46,.55)}
.ln-save-float strong{display:block;font-family:'Fraunces',serif;font-size:1.3rem;font-weight:500;line-height:1.15}
.ln-save-float small{font-size:.72rem;opacity:.85}
.ln-save-text p{color:var(--c-ink-mute);font-size:.94rem;line-height:1.7;margin:14px 0 24px}
.ln-save-list{list-style:none;margin:0 0 28px;padding:0}
.ln-save-list li{display:flex;gap:14px;padding:11px 0;align-items:flex-start}
.ln-save-list strong{display:block;font-size:.9rem;color:var(--c-ink)}
.ln-save-list span{font-size:.82rem;color:var(--c-ink-mute);line-height:1.5}

/* PROCESS */
.ln-process{padding:80px 0;background:var(--c-white)}
.ln-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:var(--gap)}
.ln-step{padding:30px 26px;border:1px solid var(--c-border-light);border-radius:var(--rad);background:#fff;transition:box-shadow .3s,transform .3s;position:relative}
.ln-step:hover{box-shadow:var(--sh-md);transform:translateY(-4px)}
.ln-step:not(:last-child)::after{content:'';position:absolute;top:42px;right:-12px;width:24px;height:2px;background:var(--c-border);z-index:1}
.ln-step-n{width:44px;height:44px;border-radius:50%;background:var(--o);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.95rem;margin-bottom:16px}
.ln-step h3{font-size:.96rem;font-weight:600;color:var(--c-ink);margin:0 0 6px}
.ln-step p{font-size:.82rem;color:var(--c-ink-mute);line-height:1.6;margin:0}

/* DARK */
.ln-dark{padding:80px 0;background:var(--c-cream-soft)}
.ln-dark-card{background:var(--c-ink);border-radius:var(--rad-lg);padding:56px 48px}
.ln-dark-sub{color:rgba(255,255,255,.5);font-size:.9rem;line-height:1.6;margin:14px 0 0;max-width:300px}
.ln-testi-head{display:grid;grid-template-columns:.8fr 1.2fr;gap:40px;align-items:center;margin-bottom:48px}
.ln-testi-cards{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.ln-testi{background:#fff;border-radius:var(--rad);padding:24px 22px}
.ln-testi-top{display:flex;align-items:center;gap:12px;margin-bottom:14px}
.ln-testi-av{width:42px;height:42px;border-radius:50%;background:var(--o-soft);color:var(--o-deep);display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.85rem;flex-shrink:0}
.ln-testi-top strong{display:block;font-size:.88rem;color:var(--c-ink)}
.ln-testi-top span{font-size:.74rem;color:var(--c-ink-mute)}
.ln-testi p{font-size:.82rem;color:var(--c-ink-soft);line-height:1.6;margin:0 0 12px}
.ln-stars{color:var(--o);font-size:.9rem;letter-spacing:2px}
.ln-faq-block{display:grid;grid-template-columns:.8fr 1.2fr;gap:40px;align-items:start;border-top:1px solid rgba(255,255,255,.1);padding-top:48px}
.ln-faq-left h2{margin-bottom:22px}
.ln-faq-left img{width:100%;height:230px;object-fit:cover;border-radius:var(--rad)}
.ln-faq-acc{display:flex;flex-direction:column;gap:12px}
.ln-acc{background:rgba(255,255,255,.06);border-radius:14px;overflow:hidden;border:1px solid rgba(255,255,255,.08)}
.ln-acc summary{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:18px 22px;cursor:pointer;list-style:none;font-size:.9rem;font-weight:600;color:#fff;transition:color .2s}
.ln-acc summary::-webkit-details-marker{display:none}
.ln-acc summary span{font-size:1.4rem;color:var(--o);transition:transform .3s;flex-shrink:0;line-height:1}
.ln-acc[open] summary span{transform:rotate(45deg)}
.ln-acc[open]{background:rgba(255,255,255,.1)}
.ln-acc div{padding:0 22px 20px}.ln-acc div p{font-size:.84rem;color:rgba(255,255,255,.6);line-height:1.65;margin:0}

/* CTA */
.ln-cta{padding:0 0 80px;background:var(--c-cream-soft)}
.ln-cta-inner{background:linear-gradient(135deg,var(--o) 0%,var(--o-deep) 100%);border-radius:var(--rad-lg);padding:64px 48px;text-align:center}
.ln-cta h2{font-family:'Fraunces',serif;font-size:clamp(1.5rem,3vw,2.3rem);font-weight:500;color:#fff;margin:0 0 12px}
.ln-cta p{color:rgba(255,255,255,.88);font-size:.96rem;margin:0 auto 28px;max-width:480px;line-height:1.6}
.ln-cta-btns{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}

/* RESPONSIVE */
@media(max-width:1024px){
    .ln-hero{min-height:560px;padding:120px 0 36px}.ln-hero-head{font-size:clamp(2rem,7vw,3rem)}
    .ln-type-grid{grid-template-columns:1fr 1fr}.ln-bank-grid,.ln-trend-grid{grid-template-columns:repeat(2,1fr)}
    .ln-calc-wrap{grid-template-columns:1fr;gap:36px}
    .ln-save-grid{grid-template-columns:1fr;gap:32px}.ln-save-img img{height:320px}
    .ln-steps{grid-template-columns:1fr 1fr}.ln-step::after{display:none}
    .ln-testi-head,.ln-faq-block{grid-template-columns:1fr;gap:28px}
    .ln-head{flex-direction:column;align-items:flex-start;gap:14px}.ln-head-sub{text-align:left}
}
@media(max-width:768px){
    .ln-hero-top{flex-direction:column;gap:20px}.ln-hero-desc{text-align:left;max-width:100%}
    .ln-hero-bottom{flex-direction:column;align-items:flex-start;gap:28px;margin-top:40px}.ln-hero-person{width:100%;max-width:340px}
    .ln-types,.ln-banks,.ln-trend,.ln-calc,.ln-save,.ln-process,.ln-dark{padding:56px 0}.ln-dark-card{padding:40px 28px}
}
@media(max-width:600px){
    .ln-hero{min-height:auto;padding:116px 0 40px}.ln-hero-head{font-size:2rem}
    .ln-type-grid,.ln-bank-grid,.ln-trend-grid,.ln-steps,.ln-testi-cards{grid-template-columns:1fr}
    .ln-calc-tab{font-size:.72rem;padding:13px 4px}.ln-tab{padding:24px 20px}
    .ln-dark-card{padding:32px 20px}
    .ln-cta{padding:0 0 56px}.ln-cta-inner{padding:44px 24px}.ln-cta-btns{flex-direction:column;align-items:center}.ln-cta-btns a{width:100%}
}