/* ────────── DEBT REFINANCE INTERLUDE ────────── */

/* APR comparison visual */
.aprcompare{
  margin:32px 0;
  display:grid;grid-template-columns:1fr auto 1fr;
  background:#fff;border:1px solid var(--border);border-radius:16px;
  overflow:hidden;box-shadow:var(--shadow);
}
.aprcompare-side{padding:28px 24px;text-align:center}
.aprcompare-side.bad{background:#fef2f2}
.aprcompare-side.good{background:#fffbeb}
.aprcompare-side .lbl{
  font-size:10.5px;letter-spacing:.24em;text-transform:uppercase;font-weight:700;
  margin-bottom:10px;
}
.aprcompare-side.bad .lbl{color:#991b1b}
.aprcompare-side.good .lbl{color:#92400e}
.aprcompare-side .apr{
  font-family:var(--font-serif);font-weight:500;
  font-size:clamp(40px,7vw,60px);line-height:1;letter-spacing:-0.03em;
  font-variant-numeric:tabular-nums;
}
.aprcompare-side.bad .apr{color:#b91c1c}
.aprcompare-side.good .apr{color:#b45309}
.aprcompare-side .apr small{font-size:18px;font-weight:500;letter-spacing:0;margin-left:2px}
.aprcompare-side .sub{font-size:12.5px;color:var(--text-muted);margin-top:8px;font-style:italic;font-family:var(--font-serif)}
.aprcompare-arrow{
  display:grid;place-items:center;
  background:linear-gradient(180deg,#fef2f2,#fffbeb);
  padding:0 18px;color:#475569;
}
.aprcompare-arrow svg{width:24px;height:24px}
.aprcompare-saved{
  grid-column:1 / -1;
  background:linear-gradient(135deg,#b45309,#d97706);
  color:#fff;text-align:center;padding:18px 24px;
}
.aprcompare-saved .lbl{font-size:11px;letter-spacing:.24em;text-transform:uppercase;color:rgba(255,255,255,.82);font-weight:700;margin-bottom:6px}
.aprcompare-saved .amt{font-family:var(--font-serif);font-weight:500;font-size:28px;line-height:1.15;letter-spacing:-0.02em;font-variant-numeric:tabular-nums}
.aprcompare-saved .amt small{font-size:13px;color:rgba(255,255,255,.85);font-weight:400;font-family:var(--font-sans);font-style:normal;margin-left:6px}
@media (max-width:560px){
  .aprcompare{grid-template-columns:1fr}
  .aprcompare-arrow{padding:14px;transform:rotate(90deg);background:#fff}
  .aprcompare-side{padding:22px 18px}
  .aprcompare-side .apr{font-size:42px}
}

/* sales pitch panel — warm amber/cream version of the navy pitch */
.pitch.loan{
  background:linear-gradient(180deg,#fffdf7 0%,#fff8e8 100%);
  color:#3f2d10;
  box-shadow:0 20px 50px rgba(120,53,15,.16);
  border:1px solid #fde68a;
}
.pitch.loan::before{
  background:linear-gradient(90deg,#d97706,#f59e0b,#fbbf24);
}
.pitch.loan .pitch-eyebrow{color:#b45309}
.pitch.loan h4{color:#1c1408}
.pitch.loan h4 em{color:#b45309;font-style:italic;font-weight:500}
.pitch.loan .pitch-bullets li{color:#3f2d10}
.pitch.loan .pitch-bullets b{color:#1c1408;font-weight:700}
.pitch.loan .pitch-bullets .ico{
  background:rgba(217,119,6,.12);
  color:#b45309;
  border:1px solid rgba(217,119,6,.28);
}
.pitch.loan .pitch-cta{
  background:linear-gradient(180deg,#f59e0b,#d97706);
  color:#fff;
  box-shadow:0 12px 28px rgba(217,119,6,.4);
}
.pitch.loan .pitch-cta:hover{
  background:linear-gradient(180deg,#fbbf24,#f59e0b);
  box-shadow:0 16px 36px rgba(217,119,6,.5);
}
.pitch.loan .pitch-cta-fine{color:#92400e}
.pitch.loan .pitch-cta-fine svg{color:#b45309}

/* loan stage = the revealed offer block */
.loan-stage{margin:32px 0}
.loan-stage[hidden]{display:none}

/* AmOne offer card */
.loan-offer{
  background:#fafaf7;border:1px solid var(--border);
  border-radius:20px;padding:32px;box-shadow:var(--shadow);
}
.loan-offer-head{
  text-align:center;padding-bottom:24px;margin-bottom:24px;
  border-bottom:1px solid var(--rule);
}
.loan-offer-badge{
  display:inline-flex;align-items:center;gap:8px;
  padding:6px 12px 6px 10px;border-radius:999px;
  background:rgba(217,119,6,.12);color:#92400e;
  font-size:12px;font-weight:600;margin-bottom:12px;
}
.loan-offer-badge .live-dot{
  width:7px;height:7px;border-radius:50%;background:#d97706;
  box-shadow:0 0 0 0 rgba(217,119,6,.55);
  animation:loanBeat 1.4s ease-out infinite;
}
@keyframes loanBeat{
  0%{box-shadow:0 0 0 0 rgba(217,119,6,.55)}
  100%{box-shadow:0 0 0 8px rgba(217,119,6,0)}
}
.loan-offer h4{
  font-family:var(--font-serif);font-weight:500;
  font-size:26px;line-height:1.15;letter-spacing:-0.02em;
  margin:0 0 6px;color:var(--ink);
}
.loan-offer-sub{font-size:14.5px;color:var(--text-muted);margin:0;line-height:1.5}

.amone-card{
  display:block;text-decoration:none;color:var(--ink);
  background:#fff;border:1px solid var(--border);border-radius:14px;
  overflow:hidden;
  transition:transform 180ms cubic-bezier(.32,.72,0,1),
             border-color 180ms ease,box-shadow 180ms ease;
  box-shadow:var(--shadow-sm);
}
.amone-card:hover{
  transform:translateY(-2px);
  border-color:rgba(217,119,6,.4);
  box-shadow:var(--shadow);
}
.amone-head{
  display:flex;align-items:center;justify-content:space-between;gap:8px;
  padding:14px 20px 10px;
  font-size:11px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;
  color:var(--text-subtle);
}
.amone-company{color:var(--text-muted)}
.amone-badge{
  background:rgba(217,119,6,.14);color:#92400e;
  padding:3px 9px;border-radius:999px;
  font-size:10.5px;letter-spacing:.08em;
}
.amone-media{
  width:100%;aspect-ratio:16/6;
  background:linear-gradient(180deg,#fffbeb 0%,#fef3c7 100%);
  border-top:1px solid var(--border);
  border-bottom:1px solid var(--border);
  display:flex;align-items:center;justify-content:center;
  padding:18px 24px;
}
.amone-logo{
  display:inline-flex;align-items:center;gap:14px;
  font-family:var(--font-serif);font-weight:600;
  font-size:clamp(28px,5vw,36px);line-height:1;letter-spacing:-0.015em;
  color:#92400e;
}
.amone-logo .mark{
  display:inline-grid;place-items:center;
  width:44px;height:44px;border-radius:11px;
  background:linear-gradient(135deg,#d97706,#b45309);
  color:#fff;font-size:19px;font-weight:800;font-family:var(--font-sans);
  letter-spacing:-0.01em;
  box-shadow:0 6px 16px rgba(217,119,6,.35);
}
.amone-body{padding:22px;display:flex;flex-direction:column;gap:12px}
.amone-headline{
  font-family:var(--font-serif);font-weight:500;
  font-size:22px;line-height:1.2;letter-spacing:-0.015em;
  margin:0;color:var(--ink);
}
.amone-desc{font-size:14.5px;color:var(--text-muted);line-height:1.6;margin:0}
.amone-desc b{color:var(--ink);font-weight:600}

.amone-features{
  display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));
  gap:0;margin:10px 0 6px;
  border:1px solid var(--border);border-radius:10px;
  background:#fffbeb;overflow:hidden;
}
.amone-features div{
  padding:12px 14px;text-align:center;
  border-right:1px solid var(--border);
}
.amone-features div:last-child{border-right:0}
.amone-features .v{
  font-family:var(--font-serif);font-weight:600;font-size:18px;
  color:#92400e;letter-spacing:-0.01em;display:block;
}
.amone-features .l{
  font-size:10.5px;letter-spacing:.16em;text-transform:uppercase;
  color:var(--text-muted);font-weight:600;margin-top:3px;display:block;
}
@media (max-width:560px){
  .amone-features div{border-right:0;border-bottom:1px solid var(--border)}
  .amone-features div:last-child{border-bottom:0}
}

.amone-cta{
  margin-top:6px;display:inline-flex;align-items:center;gap:8px;
  background:linear-gradient(180deg,#f59e0b,#d97706);color:#fff;
  padding:13px 20px;border-radius:11px;
  font-weight:700;font-size:15px;letter-spacing:-0.005em;
  align-self:flex-start;
  transition:gap 180ms ease,transform 180ms ease,box-shadow 180ms ease;
  box-shadow:0 8px 18px rgba(217,119,6,.32);
}
.amone-card:hover .amone-cta{gap:12px;transform:translateY(-1px);box-shadow:0 12px 24px rgba(217,119,6,.42)}
.amone-cta svg{width:15px;height:15px}

.loan-disclosure{
  margin-top:18px;padding:14px 16px;
  background:#fff;border:1px solid var(--border);border-radius:10px;
  font-size:11.5px;line-height:1.55;color:var(--text-muted);
  font-style:italic;font-family:var(--font-serif);
}
.loan-disclosure b{color:var(--ink);font-weight:600;font-style:normal;font-family:var(--font-sans);letter-spacing:.04em;font-size:10.5px;text-transform:uppercase}

.loan-offer-foot{
  margin-top:20px;padding-top:18px;border-top:1px solid var(--rule);
  display:flex;align-items:center;justify-content:center;gap:8px;
  font-size:12.5px;color:var(--text-subtle);
}
.loan-offer-foot svg{width:13px;height:13px;color:#d97706}

@media (max-width:560px){
  .loan-offer{padding:24px 20px}
  .loan-offer h4{font-size:22px}
  .amone-body{padding:18px}
  .amone-headline{font-size:18px}
  .amone-media{aspect-ratio:16/8;padding:14px 18px}
}