/* ===========================================================================
   LendKoPH — Marketing site + Blog styles (site.css)
   Separate from the app's style.css so the app is untouched.
   =========================================================================== */
:root{
  --navy:#12294d; --navy-2:#1b3a6b; --blue:#2563eb; --blue-soft:#e8f0fe;
  --gold:#e0a100; --ink:#1a2233; --ink-2:#5a6577; --muted:#8a94a6;
  --line:#e6e9ef; --bg:#f4f6f9; --card:#ffffff;
  --good:#15803d; --good-bg:#e7f5ec; --warn:#b45309; --warn-bg:#fdf1e3;
  --bad:#c02626; --bad-bg:#fdeaea;
  --shadow:0 1px 2px rgba(16,32,64,.06),0 4px 16px rgba(16,32,64,.05);
  --shadow-lg:0 10px 40px rgba(16,32,64,.12);
  --radius:14px; --maxw:1140px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
html,body{margin:0}
body{font-family:'Roboto','Google Sans','Segoe UI',-apple-system,BlinkMacSystemFont,Helvetica,Arial,sans-serif;
  background:#fff;color:var(--ink);font-size:16px;line-height:1.65;-webkit-font-smoothing:antialiased}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
img,svg{max-width:100%;height:auto}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
.hidden{display:none!important}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:8px;border:1px solid var(--line);background:#fff;color:var(--ink);
  padding:12px 20px;border-radius:10px;font-weight:700;font-size:15px;cursor:pointer;transition:.15s;line-height:1}
.btn:hover{text-decoration:none;border-color:#c9d2e0;background:#fbfcfe}
.btn.primary{background:var(--blue);border-color:var(--blue);color:#fff}
.btn.primary:hover{background:#1d4ed8;border-color:#1d4ed8}
.btn.gold{background:var(--gold);border-color:var(--gold);color:#3a2a00}
.btn.gold:hover{background:#c98f00;border-color:#c98f00}
.btn.ghost{border-color:rgba(255,255,255,.4);background:transparent;color:#fff}
.btn.ghost:hover{background:rgba(255,255,255,.1);border-color:#fff}
.btn.lg{padding:15px 26px;font-size:16.5px}

/* ---------- Brand mark ---------- */
.brand{display:inline-flex;align-items:center;gap:11px;font-weight:800;font-size:20px}
.brand .logo{width:34px;height:34px;border-radius:9px;background:linear-gradient(150deg,var(--navy),var(--blue));
  color:#fff;display:grid;place-items:center;font-size:19px;font-weight:800}
.brand .ph{color:var(--gold)}
.brand.on-dark{color:#fff}

/* ---------- Top nav ---------- */
.nav{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);
  border-bottom:1px solid var(--line)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;height:66px}
.nav .links{display:flex;align-items:center;gap:26px}
.nav .links a{color:var(--ink-2);font-weight:600;font-size:15px}
.nav .links a:hover{color:var(--ink);text-decoration:none}
.nav .cta{display:flex;align-items:center;gap:12px}
.nav .burger{display:none;background:none;border:0;font-size:26px;cursor:pointer;color:var(--navy)}
@media(max-width:860px){
  .nav .links{display:none}
  .nav .burger{display:block}
  .nav.open .links{display:flex;position:absolute;top:66px;left:0;right:0;flex-direction:column;
    background:#fff;border-bottom:1px solid var(--line);padding:14px 22px;gap:16px;box-shadow:var(--shadow)}
  .nav .cta .btn:not(.primary){display:none}
}

/* ---------- Hero ---------- */
.hero{background:radial-gradient(1200px 500px at 15% -10%,#1b3a6b 0,transparent 60%),
  linear-gradient(160deg,var(--navy) 0,#0d1f3c 100%);color:#eaf0fb;padding:74px 0 84px;overflow:hidden}
.hero .grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center}
.hero .kicker{display:inline-flex;align-items:center;gap:8px;background:rgba(224,161,0,.15);color:#ffd874;
  border:1px solid rgba(224,161,0,.35);padding:6px 13px;border-radius:999px;font-weight:700;font-size:13px;margin-bottom:20px}
.hero h1{font-size:46px;line-height:1.1;margin:0 0 18px;color:#fff;font-weight:800;letter-spacing:-.5px}
.hero h1 .u{color:#ffd874}
.hero p.lead{font-size:19px;color:#b8c6e2;max-width:540px;margin:0 0 28px}
.hero .actions{display:flex;gap:14px;flex-wrap:wrap}
.hero .trust{margin-top:26px;color:#8ea1c6;font-size:14px;display:flex;gap:22px;flex-wrap:wrap}
.hero .trust b{color:#dbe4f4}
@media(max-width:860px){.hero .grid{grid-template-columns:1fr;gap:34px}.hero h1{font-size:34px}.hero{padding:48px 0 56px}}

/* ---------- Sections ---------- */
section{padding:72px 0}
.sec-head{text-align:center;max-width:720px;margin:0 auto 46px}
.sec-head .eyebrow{color:var(--blue);font-weight:800;letter-spacing:1px;text-transform:uppercase;font-size:13px}
.sec-head h2{font-size:34px;line-height:1.15;margin:10px 0 12px;color:var(--navy);font-weight:800;letter-spacing:-.4px}
.sec-head p{font-size:17.5px;color:var(--ink-2);margin:0}
.alt{background:var(--bg)}

/* ---------- Feature cards ---------- */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
@media(max-width:860px){.cards{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow);transition:.18s}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg)}
.card .ic{width:46px;height:46px;border-radius:11px;background:var(--blue-soft);color:var(--blue);
  display:grid;place-items:center;font-size:22px;margin-bottom:15px}
.card h3{margin:0 0 8px;font-size:19px;color:var(--navy)}
.card p{margin:0;color:var(--ink-2);font-size:15px}

/* ---------- Module list ---------- */
.mods{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
@media(max-width:860px){.mods{grid-template-columns:repeat(2,1fr)}}
.mod{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 15px;text-align:center;font-weight:700;
  color:var(--navy);font-size:14.5px}
.mod span{display:block;font-size:22px;margin-bottom:7px}

/* ---------- Pricing ---------- */
.tiers{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;align-items:stretch}
@media(max-width:860px){.tiers{grid-template-columns:1fr}}
.tier{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px 26px;box-shadow:var(--shadow);display:flex;flex-direction:column}
.tier.feat{border:2px solid var(--blue);box-shadow:var(--shadow-lg);position:relative}
.tier.feat .tag{position:absolute;top:-13px;left:50%;transform:translateX(-50%);background:var(--blue);color:#fff;
  font-size:12px;font-weight:800;padding:5px 14px;border-radius:999px;letter-spacing:.5px}
.tier h3{margin:0 0 4px;font-size:20px;color:var(--navy)}
.tier .price{font-size:38px;font-weight:800;color:var(--navy);margin:10px 0 2px}
.tier .price small{font-size:15px;color:var(--muted);font-weight:600}
.tier ul{list-style:none;padding:0;margin:18px 0 24px;display:flex;flex-direction:column;gap:11px;flex:1}
.tier li{display:flex;gap:9px;align-items:flex-start;color:var(--ink-2);font-size:14.5px}
.tier li::before{content:"✓";color:var(--good);font-weight:800}
.tier .price.soon{font-size:22px;color:var(--gold);font-weight:800;letter-spacing:.3px}
.tier .price.soon small{display:block;font-size:13px;color:var(--muted);font-weight:600;margin-top:4px}
.beta-note{max-width:640px;margin:22px auto 0;text-align:center;color:var(--ink-2);font-size:14.5px;
  background:var(--warn-bg);border:1px solid #f2dfb8;border-radius:12px;padding:14px 18px}

/* Modules showcase (grouped like the app) */
.modgroups{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
@media(max-width:860px){.modgroups{grid-template-columns:1fr}}
.modgroup{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px 20px 22px;box-shadow:var(--shadow)}
.modgroup h3{margin:0 0 4px;font-size:17px;color:var(--navy);display:flex;align-items:center;gap:9px}
.modgroup h3 .gi{width:34px;height:34px;border-radius:9px;background:var(--blue-soft);color:var(--blue);
  display:grid;place-items:center;font-size:17px}
.modgroup ul{list-style:none;padding:0;margin:12px 0 0;display:flex;flex-direction:column;gap:8px}
.modgroup li{display:flex;gap:9px;align-items:flex-start;color:var(--ink-2);font-size:14.5px}
.modgroup li::before{content:"›";color:var(--gold);font-weight:800}

/* Logged-in nav */
.nav .cta .authed{display:none}
.nav.is-authed .cta .guest{display:none}
.nav.is-authed .cta .authed{display:inline-flex}
.nav .who{color:var(--ink-2);font-size:13.5px;margin-right:4px;max-width:180px;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
@media(max-width:860px){.nav .who{display:none}}

/* ---------- Footer ---------- */
.foot{background:var(--navy);color:#aebcd6;padding:56px 0 30px}
.foot .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:30px}
@media(max-width:860px){.foot .cols{grid-template-columns:1fr 1fr}}
.foot h4{color:#fff;font-size:14px;text-transform:uppercase;letter-spacing:.6px;margin:0 0 14px}
.foot a{display:block;color:#aebcd6;padding:5px 0;font-size:14.5px}
.foot a:hover{color:#fff;text-decoration:none}
.foot .bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:40px;padding-top:22px;font-size:13.5px;color:#7f92b4;
  display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}
.foot p{color:#8ea1c6;font-size:14.5px;max-width:320px}

/* ---------- CTA band ---------- */
.ctaband{background:linear-gradient(120deg,var(--blue),#1b3a6b);color:#fff;text-align:center;border-radius:20px;
  padding:52px 30px;margin:0 auto}
.ctaband h2{font-size:32px;margin:0 0 12px;color:#fff}
.ctaband p{font-size:18px;color:#dbe6ff;margin:0 0 24px}

/* ===========================================================================
   BLOG
   =========================================================================== */
.blog-hero{background:linear-gradient(160deg,var(--navy),#0d1f3c);color:#fff;padding:56px 0}
.blog-hero h1{font-size:38px;margin:0 0 10px;color:#fff}
.blog-hero p{color:#b8c6e2;font-size:18px;margin:0;max-width:640px}

.cat-bar{display:flex;gap:10px;flex-wrap:wrap;margin:0 0 30px}
.cat-bar a{background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 16px;font-weight:600;
  font-size:14px;color:var(--ink-2)}
.cat-bar a:hover,.cat-bar a.on{background:var(--navy);color:#fff;border-color:var(--navy);text-decoration:none}

.post-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
@media(max-width:960px){.post-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:640px){.post-grid{grid-template-columns:1fr}}
.pcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);
  display:flex;flex-direction:column;transition:.18s}
.pcard:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg);text-decoration:none}
.pcard .thumb{aspect-ratio:16/9;width:100%;display:block;background:var(--navy);object-fit:cover}
.pcard .body{padding:18px 18px 20px;display:flex;flex-direction:column;flex:1}
.pcard .cat{color:var(--blue);font-weight:800;font-size:12px;text-transform:uppercase;letter-spacing:.6px}
.pcard h3{margin:7px 0 8px;font-size:18px;color:var(--navy);line-height:1.3}
.pcard p{margin:0;color:var(--ink-2);font-size:14.5px;flex:1}
.pcard .meta{margin-top:14px;color:var(--muted);font-size:13px;display:flex;gap:12px}

/* ---------- Article ---------- */
.article{max-width:820px;margin:0 auto;padding:0 22px}
.article .crumbs{color:var(--muted);font-size:14px;margin:26px 0 10px}
.article .cat{color:var(--blue);font-weight:800;font-size:13px;text-transform:uppercase;letter-spacing:.7px}
.article h1{font-size:38px;line-height:1.18;color:var(--navy);margin:8px 0 14px;letter-spacing:-.5px}
.article .byline{color:var(--ink-2);font-size:14.5px;display:flex;gap:14px;align-items:center;
  border-bottom:1px solid var(--line);padding-bottom:20px;margin-bottom:8px;flex-wrap:wrap}
.article .feat{width:100%;border-radius:var(--radius);overflow:hidden;margin:24px 0 10px;box-shadow:var(--shadow);line-height:0}
.article .feat img{display:block;width:100%;height:auto;aspect-ratio:1200/630;object-fit:cover}
.article .content{font-size:17.5px;color:#26303f}
.article .content h2{font-size:26px;color:var(--navy);margin:38px 0 12px;letter-spacing:-.3px}
.article .content h3{font-size:20px;color:var(--navy);margin:28px 0 8px}
.article .content p{margin:0 0 18px}
.article .content ul,.article .content ol{margin:0 0 20px;padding-left:22px}
.article .content li{margin:0 0 9px}
.article .content a{color:var(--blue);font-weight:600}
.article .content strong{color:var(--navy)}
.article .content blockquote{border-left:4px solid var(--gold);background:var(--warn-bg);margin:22px 0;padding:14px 20px;
  border-radius:0 10px 10px 0;color:#5a4a20;font-size:16.5px}
.figure{margin:26px 0}
.figure figcaption{color:var(--muted);font-size:13.5px;text-align:center;margin-top:9px}
.tldr{background:var(--blue-soft);border:1px solid #cfe0fb;border-radius:12px;padding:18px 20px;margin:22px 0}
.tldr b{color:var(--navy)}
.faq{margin:30px 0}
.faq details{border:1px solid var(--line);border-radius:10px;padding:4px 16px;margin:0 0 10px;background:#fff}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:12px 0;font-size:16.5px}
.faq p{padding:0 0 14px;margin:0;font-size:16px;color:var(--ink-2)}
.share{display:flex;gap:10px;align-items:center;margin:30px 0;flex-wrap:wrap}
.postcta{background:linear-gradient(120deg,var(--navy),#1b3a6b);color:#fff;border-radius:16px;padding:34px 30px;margin:40px 0;text-align:center}
.postcta h3{color:#fff;font-size:24px;margin:0 0 8px}
.postcta p{color:#c7d4ee;margin:0 0 18px;font-size:16px}
.related{border-top:1px solid var(--line);margin-top:44px;padding-top:30px}
.related h3{color:var(--navy);font-size:22px;margin:0 0 18px}

/* ===========================================================================
   INFOGRAPHIC COMPONENTS (HTML-based, print crisp, fully responsive)
   =========================================================================== */
.ig{border:1px solid var(--line);border-radius:16px;overflow:hidden;box-shadow:var(--shadow);background:#fff}
.ig-head{background:linear-gradient(120deg,var(--navy),#1b3a6b);color:#fff;padding:16px 22px;font-weight:800;font-size:17px;
  display:flex;align-items:center;gap:10px}
.ig-head .dot{width:9px;height:9px;border-radius:50%;background:var(--gold)}
.ig-body{padding:22px}

/* stat cards */
.ig-stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:14px}
.ig-stat{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:18px;text-align:center}
.ig-stat .big{font-size:30px;font-weight:800;color:var(--blue);line-height:1.1}
.ig-stat.g .big{color:var(--gold)}
.ig-stat.n .big{color:var(--navy)}
.ig-stat .lab{color:var(--ink-2);font-size:13.5px;margin-top:6px}

/* steps */
.ig-steps{display:grid;gap:14px}
.ig-step{display:flex;gap:16px;align-items:flex-start}
.ig-step .n{flex:0 0 40px;width:40px;height:40px;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;
  display:grid;place-items:center;font-size:17px}
.ig-step:nth-child(4n+2) .n{background:var(--gold);color:#3a2a00}
.ig-step:nth-child(4n+3) .n{background:var(--navy)}
.ig-step:nth-child(4n) .n{background:var(--good)}
.ig-step .t{font-weight:700;color:var(--navy);font-size:16px}
.ig-step .d{color:var(--ink-2);font-size:14.5px}

/* comparison table */
.ig-table{width:100%;border-collapse:collapse;font-size:14.5px}
.ig-table th,.ig-table td{border:1px solid var(--line);padding:11px 13px;text-align:left;vertical-align:top}
.ig-table thead th{background:var(--navy);color:#fff;font-weight:700}
.ig-table tbody tr:nth-child(even){background:var(--bg)}
.ig-table td:first-child{font-weight:700;color:var(--navy)}

/* bar chart */
.ig-bars{display:grid;gap:13px}
.ig-bar .lab{display:flex;justify-content:space-between;font-size:14px;margin-bottom:5px;color:var(--ink)}
.ig-bar .lab b{color:var(--navy)}
.ig-bar .track{background:var(--bg);border-radius:8px;height:26px;overflow:hidden;border:1px solid var(--line)}
.ig-bar .fill{height:100%;background:linear-gradient(90deg,var(--blue),#4f83f0);border-radius:8px 0 0 8px;
  display:flex;align-items:center;justify-content:flex-end;color:#fff;font-weight:700;font-size:12.5px;padding-right:8px;min-width:36px}
.ig-bar:nth-child(2n) .fill{background:linear-gradient(90deg,var(--gold),#f0be3d);color:#3a2a00}

/* checklist */
.ig-check{display:grid;gap:11px}
.ig-check .row{display:flex;gap:12px;align-items:flex-start;font-size:15px;color:var(--ink)}
.ig-check .bx{flex:0 0 22px;width:22px;height:22px;border-radius:6px;background:var(--good-bg);color:var(--good);
  display:grid;place-items:center;font-weight:800;font-size:14px}

/* timeline */
.ig-time{display:grid;gap:0;position:relative}
.ig-time .row{display:grid;grid-template-columns:120px 1fr;gap:18px;padding:0 0 20px;position:relative}
.ig-time .row::before{content:"";position:absolute;left:129px;top:6px;bottom:-6px;width:2px;background:var(--line)}
.ig-time .row:last-child::before{display:none}
.ig-time .when{font-weight:800;color:var(--gold);font-size:14px;text-align:right}
.ig-time .what{position:relative;padding-left:22px}
.ig-time .what::before{content:"";position:absolute;left:-10px;top:5px;width:12px;height:12px;border-radius:50%;
  background:var(--blue);border:3px solid #fff;box-shadow:0 0 0 2px var(--blue)}
.ig-time .what b{color:var(--navy);display:block;font-size:15.5px}
.ig-time .what span{color:var(--ink-2);font-size:14px}

/* two-column callout */
.ig-split{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:560px){.ig-split{grid-template-columns:1fr}}
.ig-split .col{border-radius:12px;padding:18px}
.ig-split .col.a{background:var(--good-bg);border:1px solid #c7e6d2}
.ig-split .col.b{background:var(--bad-bg);border:1px solid #f3cfcf}
.ig-split .col h5{margin:0 0 10px;font-size:15px;color:var(--navy)}
.ig-split .col ul{margin:0;padding-left:18px}
.ig-split .col li{font-size:14px;margin-bottom:6px;color:var(--ink-2)}

@media(max-width:640px){
  .article h1{font-size:29px}
  .article .content{font-size:16.5px}
  .ig-time .row{grid-template-columns:88px 1fr}
  .ig-time .row::before{left:97px}
}