/* =============================================================
   Pro Funding Options — Redesign CSS
   Loaded LAST in header.php so it overrides Elementor / WP styles.
   All classes are prefixed `pfo-` to avoid collisions.
   ============================================================= */

/* ---------- Tokens ---------- */
:root {
  --pfo-bg: #FFFFFF;
  --pfo-bg-soft: #F6F8FB;
  --pfo-bg-deep: #0B1E3F;
  --pfo-ink: #0F172A;
  --pfo-ink-muted: #475569;
  --pfo-ink-faint: #94A3B8;
  --pfo-line: #E2E8F0;
  --pfo-line-soft: #EEF2F7;

  --pfo-brand: #1E55E5;
  --pfo-brand-hover: #1842B8;
  --pfo-brand-soft: #EBF1FE;
  --pfo-gold: #C99A2E;
  --pfo-gold-soft: #FBF3DE;

  --pfo-success: #15803D;
  --pfo-warn: #B45309;
  --pfo-danger: #B91C1C;

  --pfo-radius-sm: 6px;
  --pfo-radius-md: 12px;
  --pfo-radius-lg: 20px;
  --pfo-radius-full: 9999px;

  --pfo-shadow-card: 0 1px 2px rgb(15 23 42 / 0.04), 0 8px 24px rgb(15 23 42 / 0.06);
  --pfo-shadow-pop: 0 12px 40px rgb(15 23 42 / 0.10);
  --pfo-shadow-inset: inset 0 0 0 1px rgb(15 23 42 / 0.06);

  --pfo-font-sans: Inter, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
}

/* ---------- Reset (only for redesigned regions) ---------- */
.pfo-redesigned,
.pfo-redesigned *,
.pfo-redesigned *::before,
.pfo-redesigned *::after {
  box-sizing: border-box;
}

/* ---------- Body baseline (applied site-wide) ---------- */
body.pfo-body {
  margin: 0;
  font-family: var(--pfo-font-sans);
  font-size: 16px;
  line-height: 1.6;
  color: var(--pfo-ink);
  background: var(--pfo-bg);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

/* Typography reset inside redesigned regions */
.pfo-redesigned h1,
.pfo-redesigned h2,
.pfo-redesigned h3,
.pfo-redesigned h4,
.pfo-redesigned h5,
.pfo-redesigned h6 {
  margin: 0;
  font-family: var(--pfo-font-sans);
  font-weight: 700;
  letter-spacing: -0.02em;
  line-height: 1.2;
  color: var(--pfo-ink);
}
.pfo-redesigned h1 { font-size: clamp(36px, 5vw, 60px); line-height: 1.05; }
.pfo-redesigned h2 { font-size: clamp(28px, 3.5vw, 40px); line-height: 1.15; }
.pfo-redesigned h3 { font-size: 22px; font-weight: 600; }
.pfo-redesigned h4 { font-size: 18px; font-weight: 600; }
.pfo-redesigned h5 { font-size: 16px; font-weight: 600; }
.pfo-redesigned h6 { font-size: 14px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.04em; color: var(--pfo-ink-faint); }

.pfo-redesigned p { margin: 0; color: var(--pfo-ink-muted); }
.pfo-redesigned a { color: var(--pfo-brand); text-decoration: none; font-weight: 500; }
.pfo-redesigned a:hover { color: var(--pfo-brand-hover); text-decoration: underline; }

/* ---------- Layout primitives ---------- */
.pfo-container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}
@media (min-width: 768px) {
  .pfo-container { padding: 0 48px; }
}
.pfo-container--narrow { max-width: 880px; }
.pfo-container--wide { max-width: 1320px; }

.pfo-section { padding: 64px 0; }
@media (min-width: 768px) { .pfo-section { padding: 96px 0; } }
.pfo-section--tight { padding: 48px 0; }
.pfo-section--soft { background: var(--pfo-bg-soft); }
.pfo-section--deep { background: var(--pfo-bg-deep); color: white; }
.pfo-section--deep h1,
.pfo-section--deep h2,
.pfo-section--deep h3,
.pfo-section--deep h4,
.pfo-section--deep h5 { color: white; }
.pfo-section--deep p { color: rgba(255,255,255,0.78); }
.pfo-section--gold-soft { background: var(--pfo-gold-soft); }

.pfo-section-head {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 56px;
}
.pfo-section-head--left { text-align: left; margin-left: 0; }
.pfo-section-head h2 { margin-bottom: 16px; }
.pfo-section-head p { font-size: 18px; }

.pfo-eyebrow {
  display: inline-block;
  padding: 6px 12px;
  margin-bottom: 16px;
  background: var(--pfo-brand-soft);
  color: var(--pfo-brand);
  border-radius: var(--pfo-radius-full);
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.02em;
  line-height: 1;
}
.pfo-eyebrow--gold { background: var(--pfo-gold-soft); color: var(--pfo-gold); }
.pfo-eyebrow--on-deep { background: rgba(255,255,255,0.10); color: white; }

/* ---------- Buttons ---------- */
.pfo-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 22px;
  border-radius: var(--pfo-radius-md);
  font-weight: 600;
  font-size: 15px;
  font-family: var(--pfo-font-sans);
  cursor: pointer;
  border: 1px solid transparent;
  text-decoration: none;
  transition: background .15s ease, color .15s ease, border-color .15s ease, transform .1s ease;
  white-space: nowrap;
  line-height: 1.2;
}
.pfo-btn:hover { text-decoration: none; }
.pfo-btn:active { transform: translateY(1px); }
.pfo-btn--primary { background: var(--pfo-brand); color: white; }
.pfo-btn--primary:hover { background: var(--pfo-brand-hover); color: white; }
.pfo-btn--secondary { background: white; border-color: var(--pfo-line); color: var(--pfo-ink); }
.pfo-btn--secondary:hover { border-color: var(--pfo-ink-muted); color: var(--pfo-ink); }
.pfo-btn--ghost { background: transparent; color: var(--pfo-brand); padding-left: 0; padding-right: 0; }
.pfo-btn--ghost:hover { color: var(--pfo-brand-hover); text-decoration: underline; }
.pfo-btn--on-deep { background: white; color: var(--pfo-brand); }
.pfo-btn--on-deep:hover { background: rgba(255,255,255,0.92); color: var(--pfo-brand); }
.pfo-btn--lg { padding: 16px 28px; font-size: 16px; }
.pfo-btn--full { width: 100%; justify-content: center; }

/* ---------- Header / Nav ---------- */
.pfo-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,255,255,0.95);
  backdrop-filter: saturate(180%) blur(8px);
  -webkit-backdrop-filter: saturate(180%) blur(8px);
  border-bottom: 1px solid var(--pfo-line-soft);
}
.pfo-header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}
.pfo-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 17px;
  font-weight: 700;
  color: var(--pfo-ink);
  text-decoration: none;
  letter-spacing: -0.02em;
  white-space: nowrap;
}
.pfo-logo:hover { text-decoration: none; color: var(--pfo-ink); }
.pfo-logo-mark {
  width: 32px;
  height: 32px;
  border-radius: 8px;
  background: linear-gradient(135deg, var(--pfo-brand), var(--pfo-bg-deep));
  display: grid;
  place-items: center;
  color: white;
  font-weight: 700;
  font-size: 16px;
  flex-shrink: 0;
}

.pfo-nav {
  display: none;
  gap: 28px;
  align-items: center;
}
@media (min-width: 1024px) { .pfo-nav { display: flex; } }
.pfo-nav > a, .pfo-nav-item > a {
  color: var(--pfo-ink);
  font-weight: 500;
  font-size: 15px;
  padding: 8px 0;
  position: relative;
}
.pfo-nav > a:hover, .pfo-nav-item > a:hover { color: var(--pfo-brand); text-decoration: none; }
.pfo-nav > a.is-active, .pfo-nav-item > a.is-active { color: var(--pfo-brand); }
.pfo-nav > a.is-active::after, .pfo-nav-item > a.is-active::after {
  content: "";
  position: absolute; bottom: -4px; left: 0; right: 0;
  height: 2px; background: var(--pfo-brand);
  border-radius: 2px;
}

/* Dropdown */
.pfo-nav-item { position: relative; }
.pfo-nav-item > a::after {
  content: "";
  display: inline-block;
  width: 14px; height: 14px; margin-left: 4px;
  vertical-align: -2px;
  background: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2394A3B8' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'><polyline points='6 9 12 15 18 9'/></svg>") center/contain no-repeat;
  transition: transform .15s ease;
}
.pfo-nav-item:hover > a::after { transform: rotate(180deg); }
.pfo-nav-dropdown {
  display: none;
  position: absolute; top: 100%; left: -16px;
  min-width: 320px;
  background: white;
  border: 1px solid var(--pfo-line-soft);
  border-radius: var(--pfo-radius-md);
  box-shadow: var(--pfo-shadow-pop);
  padding: 12px;
  margin-top: 8px;
}
.pfo-nav-item:hover .pfo-nav-dropdown,
.pfo-nav-item:focus-within .pfo-nav-dropdown { display: block; }
.pfo-nav-dropdown a {
  display: flex; align-items: center; gap: 12px;
  padding: 10px 12px;
  color: var(--pfo-ink);
  border-radius: var(--pfo-radius-sm);
  font-size: 14px; font-weight: 500;
}
.pfo-nav-dropdown a:hover { background: var(--pfo-bg-soft); color: var(--pfo-brand); text-decoration: none; }
.pfo-nav-dropdown a svg { color: var(--pfo-brand); flex-shrink: 0; }
.pfo-nav-dropdown--wide { min-width: 520px; }
.pfo-nav-dropdown--grid { display: none; grid-template-columns: 1fr 1fr; gap: 4px; }
.pfo-nav-item:hover .pfo-nav-dropdown--grid,
.pfo-nav-item:focus-within .pfo-nav-dropdown--grid { display: grid; }

.pfo-header-cta {
  display: flex;
  gap: 12px;
  align-items: center;
}
.pfo-phone {
  display: none;
  align-items: center;
  gap: 6px;
  color: var(--pfo-ink);
  font-weight: 600;
  font-size: 14px;
  text-decoration: none;
}
@media (min-width: 768px) { .pfo-phone { display: inline-flex; } }
.pfo-phone:hover { color: var(--pfo-brand); text-decoration: none; }

/* Mobile menu toggle */
.pfo-menu-toggle {
  display: inline-flex;
  align-items: center; justify-content: center;
  width: 40px; height: 40px;
  border: 1px solid var(--pfo-line);
  border-radius: var(--pfo-radius-sm);
  background: white;
  cursor: pointer;
}
@media (min-width: 1024px) { .pfo-menu-toggle { display: none; } }

.pfo-mobile-menu {
  display: none;
  position: fixed;
  inset: 72px 0 0 0;
  background: white;
  z-index: 49;
  padding: 24px;
  overflow-y: auto;
}
.pfo-mobile-menu.is-open { display: block; }
.pfo-mobile-menu details { border-bottom: 1px solid var(--pfo-line-soft); }
.pfo-mobile-menu summary {
  list-style: none;
  padding: 16px 0;
  font-weight: 600;
  font-size: 17px;
  cursor: pointer;
  display: flex; justify-content: space-between; align-items: center;
}
.pfo-mobile-menu summary::-webkit-details-marker { display: none; }
.pfo-mobile-menu summary::after {
  content: "";
  width: 18px; height: 18px;
  background: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23475569' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'><polyline points='6 9 12 15 18 9'/></svg>") center/contain no-repeat;
  transition: transform .15s ease;
}
.pfo-mobile-menu details[open] summary::after { transform: rotate(180deg); }
.pfo-mobile-menu details > a, .pfo-mobile-menu details ul a {
  display: block;
  padding: 12px 16px;
  color: var(--pfo-ink-muted);
  font-size: 15px;
  text-decoration: none;
}
.pfo-mobile-menu details > a:hover, .pfo-mobile-menu details ul a:hover { color: var(--pfo-brand); }
.pfo-mobile-menu ul { list-style: none; padding: 0 0 16px; margin: 0; }
.pfo-mobile-menu > a {
  display: block;
  padding: 16px 0;
  font-weight: 600;
  font-size: 17px;
  color: var(--pfo-ink);
  text-decoration: none;
  border-bottom: 1px solid var(--pfo-line-soft);
}
.pfo-mobile-menu .pfo-btn { margin-top: 24px; width: 100%; justify-content: center; }

/* ---------- Hero ---------- */
.pfo-hero {
  position: relative;
  background:
    radial-gradient(60% 60% at 80% 20%, rgba(30,85,229,0.18), transparent 60%),
    radial-gradient(50% 50% at 10% 80%, rgba(201,154,46,0.10), transparent 60%),
    var(--pfo-bg-deep);
  color: white;
  padding: 80px 0 64px;
  overflow: hidden;
}
@media (min-width: 768px) { .pfo-hero { padding: 96px 0 80px; } }
.pfo-hero h1 { color: white; max-width: 18ch; }
.pfo-hero-sub {
  margin-top: 20px;
  font-size: clamp(17px, 1.6vw, 19px);
  line-height: 1.5;
  color: rgba(255,255,255,0.78);
  max-width: 56ch;
}
.pfo-hero-actions {
  display: flex; flex-wrap: wrap; gap: 12px;
  margin-top: 32px;
}
.pfo-hero-trust {
  display: flex; flex-wrap: wrap;
  gap: 16px 28px;
  margin-top: 40px;
  color: rgba(255,255,255,0.7);
  font-size: 14px;
  font-weight: 500;
}
.pfo-hero-trust span { display: inline-flex; align-items: center; gap: 8px; }
.pfo-hero-trust svg { color: var(--pfo-gold); flex-shrink: 0; }

.pfo-hero-grid {
  display: grid;
  gap: 40px;
  grid-template-columns: 1fr;
  align-items: center;
}
@media (min-width: 1024px) {
  .pfo-hero-grid { grid-template-columns: 1.1fr 0.9fr; gap: 64px; }
}

.pfo-hero-card {
  background: white;
  color: var(--pfo-ink);
  border-radius: var(--pfo-radius-lg);
  padding: 28px;
  box-shadow: var(--pfo-shadow-pop);
}
@media (min-width: 768px) { .pfo-hero-card { padding: 32px; } }
.pfo-hero-card h3 { font-size: 18px; margin-bottom: 6px; color: var(--pfo-ink); }
.pfo-hero-card p { font-size: 14px; }
.pfo-hero-card-foot {
  margin-top: 14px;
  font-size: 12px;
  color: var(--pfo-ink-faint);
  text-align: center;
}

/* Form fields */
.pfo-field { display: flex; flex-direction: column; gap: 6px; margin-top: 16px; }
.pfo-field label {
  font-size: 13px; font-weight: 600; color: var(--pfo-ink-muted);
}
.pfo-field input,
.pfo-field select,
.pfo-field textarea {
  padding: 12px 14px;
  border: 1px solid var(--pfo-line);
  border-radius: var(--pfo-radius-sm);
  font-size: 15px;
  font-family: var(--pfo-font-sans);
  color: var(--pfo-ink);
  background: white;
}
.pfo-field input:focus,
.pfo-field select:focus,
.pfo-field textarea:focus {
  outline: 2px solid var(--pfo-brand);
  border-color: transparent;
}
.pfo-field--row {
  flex-direction: row;
  gap: 12px;
}
.pfo-field--row > * { flex: 1; }
.pfo-field-grid {
  display: grid;
  gap: 12px;
  grid-template-columns: 1fr;
}
@media (min-width: 640px) {
  .pfo-field-grid--2 { grid-template-columns: 1fr 1fr; }
}

/* ---------- Steps / process ---------- */
.pfo-steps {
  display: grid;
  gap: 20px;
  grid-template-columns: 1fr;
}
@media (min-width: 768px) {
  .pfo-steps { grid-template-columns: repeat(3, 1fr); gap: 28px; }
  .pfo-steps--4col { grid-template-columns: repeat(4, 1fr); }
}
.pfo-step {
  background: white;
  border: 1px solid var(--pfo-line-soft);
  border-radius: var(--pfo-radius-md);
  padding: 28px;
  position: relative;
  transition: border-color .15s ease, transform .15s ease;
}
.pfo-step:hover { border-color: var(--pfo-line); transform: translateY(-2px); }
.pfo-step-num {
  position: absolute;
  top: 20px; right: 20px;
  font-size: 13px;
  font-weight: 700;
  color: var(--pfo-ink-faint);
  letter-spacing: 0.04em;
}
.pfo-step-icon {
  width: 48px; height: 48px;
  border-radius: var(--pfo-radius-md);
  background: var(--pfo-brand-soft);
  color: var(--pfo-brand);
  display: grid; place-items: center;
  margin-bottom: 20px;
}
.pfo-step h3 { margin-bottom: 8px; color: var(--pfo-ink); }

/* ---------- Products grid ---------- */
.pfo-products {
  display: grid;
  gap: 20px;
  grid-template-columns: 1fr;
}
@media (min-width: 640px) { .pfo-products { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .pfo-products { grid-template-columns: repeat(3, 1fr); } }
.pfo-product-card {
  background: white;
  border: 1px solid var(--pfo-line-soft);
  border-radius: var(--pfo-radius-md);
  padding: 28px;
  text-decoration: none;
  color: var(--pfo-ink);
  display: flex;
  flex-direction: column;
  gap: 12px;
  transition: transform .15s ease, box-shadow .15s ease, border-color .15s ease;
}
.pfo-product-card:hover {
  transform: translateY(-2px);
  box-shadow: var(--pfo-shadow-card);
  border-color: var(--pfo-brand);
  text-decoration: none;
  color: var(--pfo-ink);
}
.pfo-product-icon {
  width: 44px; height: 44px;
  border-radius: var(--pfo-radius-md);
  background: var(--pfo-brand-soft);
  color: var(--pfo-brand);
  display: grid; place-items: center;
}
.pfo-product-card h3 { font-size: 19px; color: var(--pfo-ink); }
.pfo-product-amount { font-size: 14px; color: var(--pfo-ink-muted); font-weight: 500; }
.pfo-product-cta {
  margin-top: auto;
  padding-top: 12px;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--pfo-brand);
  font-weight: 600;
  font-size: 14px;
}

/* ---------- Feature blocks (why-us) ---------- */
.pfo-features {
  display: grid;
  gap: 32px;
  grid-template-columns: 1fr;
}
@media (min-width: 768px) {
  .pfo-features { grid-template-columns: repeat(3, 1fr); }
  .pfo-features--2col { grid-template-columns: repeat(2, 1fr); }
  .pfo-features--4col { grid-template-columns: repeat(4, 1fr); }
}
.pfo-feature {}
.pfo-feature-icon {
  width: 56px; height: 56px;
  border-radius: var(--pfo-radius-md);
  background: rgba(201,154,46,0.15);
  color: var(--pfo-gold);
  display: grid; place-items: center;
  margin-bottom: 20px;
}
.pfo-feature-icon--brand {
  background: var(--pfo-brand-soft);
  color: var(--pfo-brand);
}
.pfo-feature h3 { margin-bottom: 10px; }
.pfo-section--deep .pfo-feature h3 { color: white; }

/* ---------- Industries ---------- */
.pfo-industries {
  display: grid;
  gap: 16px;
  grid-template-columns: repeat(2, 1fr);
}
@media (min-width: 640px) { .pfo-industries { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 1024px) { .pfo-industries { grid-template-columns: repeat(4, 1fr); } }
.pfo-industry {
  background: white;
  border: 1px solid var(--pfo-line-soft);
  border-radius: var(--pfo-radius-md);
  padding: 24px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  align-items: flex-start;
  color: var(--pfo-ink);
  text-decoration: none;
  transition: border-color .15s ease, transform .15s ease;
}
.pfo-industry:hover {
  border-color: var(--pfo-brand);
  color: var(--pfo-ink);
  text-decoration: none;
  transform: translateY(-2px);
}
.pfo-industry-icon { color: var(--pfo-brand); }
.pfo-industry-label { font-weight: 600; font-size: 15px; }

/* ---------- Testimonial ---------- */
.pfo-testimonial {
  background: white;
  border-radius: var(--pfo-radius-lg);
  padding: 40px 28px;
  max-width: 800px;
  margin: 0 auto;
  box-shadow: var(--pfo-shadow-card);
  text-align: center;
}
@media (min-width: 768px) { .pfo-testimonial { padding: 48px 32px; } }
.pfo-testimonial-quote {
  font-size: clamp(18px, 2vw, 22px);
  line-height: 1.5;
  color: var(--pfo-ink);
}
.pfo-testimonial-attrib {
  margin-top: 24px;
  font-size: 14px;
  color: var(--pfo-ink-muted);
  font-weight: 600;
}

/* ---------- FAQ accordion ---------- */
.pfo-faq { max-width: 800px; margin: 0 auto; }
.pfo-faq details {
  background: white;
  border: 1px solid var(--pfo-line-soft);
  border-radius: var(--pfo-radius-md);
  padding: 0;
  margin-bottom: 12px;
}
.pfo-faq summary {
  list-style: none;
  padding: 20px 24px;
  cursor: pointer;
  font-weight: 600;
  font-size: 16px;
  color: var(--pfo-ink);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
@media (min-width: 768px) { .pfo-faq summary { font-size: 17px; } }
.pfo-faq summary::-webkit-details-marker { display: none; }
.pfo-faq summary::after {
  content: "";
  width: 16px; height: 16px;
  flex-shrink: 0;
  background: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%231E55E5' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'><polyline points='6 9 12 15 18 9'/></svg>") center/contain no-repeat;
  transition: transform .15s ease;
}
.pfo-faq details[open] summary::after { transform: rotate(180deg); }
.pfo-faq details p { padding: 0 24px 20px; color: var(--pfo-ink-muted); }
.pfo-faq details ul {
  padding: 0 24px 20px 40px;
  color: var(--pfo-ink-muted);
}

/* ---------- Stat row ---------- */
.pfo-stats {
  display: grid;
  gap: 24px;
  grid-template-columns: repeat(2, 1fr);
}
@media (min-width: 768px) { .pfo-stats { grid-template-columns: repeat(4, 1fr); } }
.pfo-stat { text-align: center; }
.pfo-stat-num {
  font-size: clamp(28px, 4vw, 40px);
  font-weight: 700;
  color: var(--pfo-ink);
  letter-spacing: -0.02em;
  line-height: 1;
}
.pfo-section--deep .pfo-stat-num { color: white; }
.pfo-stat-label {
  margin-top: 8px;
  font-size: 14px;
  color: var(--pfo-ink-muted);
}
.pfo-section--deep .pfo-stat-label { color: rgba(255,255,255,0.7); }

/* ---------- Product detail page bits ---------- */

/* Hero variant for product pages */
.pfo-page-hero {
  background:
    radial-gradient(60% 60% at 90% 20%, rgba(30,85,229,0.15), transparent 60%),
    var(--pfo-bg-deep);
  color: white;
  padding: 64px 0 48px;
}
.pfo-page-hero .pfo-eyebrow { background: rgba(255,255,255,0.10); color: white; }
.pfo-page-hero h1 { color: white; max-width: 22ch; }
.pfo-page-hero p { color: rgba(255,255,255,0.78); max-width: 64ch; font-size: 18px; margin-top: 16px; }
.pfo-page-hero-actions { margin-top: 32px; display: flex; flex-wrap: wrap; gap: 12px; }

/* Stat cards (for product pages — funding amount / rate / term / speed) */
.pfo-stat-cards {
  display: grid;
  gap: 12px;
  grid-template-columns: repeat(2, 1fr);
  margin: -40px auto 0;
  max-width: 1200px;
  padding: 0 24px;
  position: relative;
  z-index: 2;
}
@media (min-width: 768px) {
  .pfo-stat-cards { grid-template-columns: repeat(4, 1fr); padding: 0 48px; }
}
.pfo-stat-card {
  background: white;
  border: 1px solid var(--pfo-line-soft);
  border-radius: var(--pfo-radius-md);
  padding: 20px;
  box-shadow: var(--pfo-shadow-card);
}
.pfo-stat-card-label {
  font-size: 12px;
  font-weight: 700;
  color: var(--pfo-ink-faint);
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.pfo-stat-card-value {
  margin-top: 8px;
  font-size: 20px;
  font-weight: 700;
  color: var(--pfo-ink);
}

/* Pros / Cons */
.pfo-proscons {
  display: grid;
  gap: 20px;
  grid-template-columns: 1fr;
}
@media (min-width: 768px) { .pfo-proscons { grid-template-columns: 1fr 1fr; gap: 28px; } }
.pfo-proscons-col {
  background: white;
  border: 1px solid var(--pfo-line-soft);
  border-radius: var(--pfo-radius-md);
  padding: 28px;
}
.pfo-proscons-col h3 {
  display: flex; align-items: center; gap: 10px;
  margin-bottom: 16px;
}
.pfo-proscons-col--pros h3 { color: var(--pfo-success); }
.pfo-proscons-col--cons h3 { color: var(--pfo-warn); }
.pfo-proscons-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex; flex-direction: column;
  gap: 12px;
}
.pfo-proscons-list li {
  display: flex; align-items: flex-start; gap: 10px;
  color: var(--pfo-ink-muted);
  font-size: 15px;
  line-height: 1.55;
}
.pfo-proscons-list li::before {
  content: "";
  width: 20px; height: 20px;
  flex-shrink: 0;
  margin-top: 2px;
}
.pfo-proscons-col--pros .pfo-proscons-list li::before {
  background: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2315803D' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'><circle cx='12' cy='12' r='10'/><path d='m9 12 2 2 4-4'/></svg>") center/contain no-repeat;
}
.pfo-proscons-col--cons .pfo-proscons-list li::before {
  background: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23B45309' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'><circle cx='12' cy='12' r='10'/><path d='M12 8v4'/><path d='M12 16h.01'/></svg>") center/contain no-repeat;
}

/* Article-style content body */
.pfo-prose { max-width: 760px; margin: 0 auto; }
.pfo-prose h2 { margin-top: 48px; margin-bottom: 16px; }
.pfo-prose h3 { margin-top: 32px; margin-bottom: 12px; }
.pfo-prose p, .pfo-prose ul, .pfo-prose ol { margin-bottom: 18px; color: var(--pfo-ink); font-size: 17px; line-height: 1.7; }
.pfo-prose ul, .pfo-prose ol { padding-left: 24px; }
.pfo-prose li { margin-bottom: 8px; }
.pfo-prose strong { color: var(--pfo-ink); font-weight: 700; }
.pfo-prose a { color: var(--pfo-brand); text-decoration: underline; }
.pfo-prose blockquote {
  border-left: 4px solid var(--pfo-brand);
  padding: 4px 0 4px 20px;
  margin: 24px 0;
  font-style: italic;
  color: var(--pfo-ink);
}

/* TOC (table of contents on product pages) */
.pfo-toc {
  background: var(--pfo-bg-soft);
  border-radius: var(--pfo-radius-md);
  padding: 20px 24px;
  margin-bottom: 32px;
}
.pfo-toc h4 {
  font-size: 13px; letter-spacing: 0.06em; text-transform: uppercase;
  color: var(--pfo-ink-faint); margin-bottom: 12px;
}
.pfo-toc ul { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 6px; }
.pfo-toc a {
  display: block; padding: 6px 0;
  color: var(--pfo-ink); font-size: 15px; font-weight: 500;
}
.pfo-toc a:hover { color: var(--pfo-brand); text-decoration: underline; }

/* ---------- Final CTA band ---------- */
.pfo-cta-band {
  background: linear-gradient(135deg, var(--pfo-brand), var(--pfo-bg-deep));
  color: white;
  text-align: center;
  padding: 64px 0;
}
@media (min-width: 768px) { .pfo-cta-band { padding: 80px 0; } }
.pfo-cta-band h2 {
  color: white;
  max-width: 22ch;
  margin: 0 auto 16px;
}
.pfo-cta-band p {
  color: rgba(255,255,255,0.78);
  max-width: 56ch;
  margin: 0 auto 28px;
  font-size: 18px;
}

/* ---------- Footer ---------- */
.pfo-footer {
  background: var(--pfo-bg-deep);
  color: rgba(255,255,255,0.7);
  padding: 56px 0 28px;
}
@media (min-width: 768px) { .pfo-footer { padding: 64px 0 32px; } }
.pfo-footer-grid {
  display: grid;
  gap: 40px;
  grid-template-columns: 1fr;
}
@media (min-width: 640px) { .pfo-footer-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .pfo-footer-grid { grid-template-columns: 1.4fr 1fr 1fr 1fr; } }
.pfo-footer h4 {
  color: white;
  font-size: 13px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin: 0 0 16px;
  font-weight: 700;
}
.pfo-footer ul {
  list-style: none;
  padding: 0; margin: 0;
  display: flex; flex-direction: column;
  gap: 8px;
}
.pfo-footer a {
  color: rgba(255,255,255,0.7);
  font-weight: 400;
  text-decoration: none;
  font-size: 14px;
}
.pfo-footer a:hover { color: white; text-decoration: none; }
.pfo-footer .pfo-logo { color: white; }
.pfo-footer .pfo-logo:hover { color: white; }
.pfo-footer-tagline { margin-top: 16px; color: rgba(255,255,255,0.7); font-size: 14px; line-height: 1.6; }
.pfo-footer-bottom {
  margin-top: 40px;
  padding-top: 24px;
  border-top: 1px solid rgba(255,255,255,0.10);
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 16px;
  font-size: 13px;
  color: rgba(255,255,255,0.55);
}

/* ---------- Utility classes ---------- */
.pfo-u-text-center { text-align: center; }
.pfo-u-text-left { text-align: left; }
.pfo-u-hide-mobile { display: none; }
@media (min-width: 768px) { .pfo-u-hide-mobile { display: initial; } }
.pfo-u-hide-desktop { display: initial; }
@media (min-width: 768px) { .pfo-u-hide-desktop { display: none; } }
.pfo-u-mt-16 { margin-top: 16px; }
.pfo-u-mt-24 { margin-top: 24px; }
.pfo-u-mt-32 { margin-top: 32px; }
.pfo-u-mt-48 { margin-top: 48px; }
.pfo-u-mb-16 { margin-bottom: 16px; }
.pfo-u-mb-24 { margin-bottom: 24px; }
.pfo-u-mb-32 { margin-bottom: 32px; }

/* ---------- Skip Elementor body styling on redesigned pages ---------- */
.pfo-redesigned .elementor-section { padding: 0 !important; margin: 0 !important; }
body.pfo-body .elementor-element { font-family: var(--pfo-font-sans); }

/* ---------- Print ---------- */
@media print {
  .pfo-header, .pfo-footer, .pfo-cta-band, .pfo-mobile-menu { display: none; }
  body { background: white; }
}

/* ==================================================================
   OVERRIDE LAYER
   These rules come last so they win on cascade. They fix issues where
   the broad `.pfo-redesigned a` and `.pfo-redesigned p` rules above
   were overriding more-specific component rules (buttons, cards, nav,
   header chrome, hero copy).
   ================================================================== */

/* --- Buttons: enforce correct text color regardless of context --- */
.pfo-redesigned a.pfo-btn,
.pfo-redesigned button.pfo-btn,
a.pfo-btn,
button.pfo-btn {
  font-weight: 600;
  text-decoration: none;
}
.pfo-redesigned a.pfo-btn--primary,
.pfo-redesigned button.pfo-btn--primary,
a.pfo-btn--primary,
button.pfo-btn--primary {
  background: var(--pfo-brand);
  color: #fff;
  border-color: var(--pfo-brand);
}
.pfo-redesigned a.pfo-btn--primary:hover,
.pfo-redesigned button.pfo-btn--primary:hover,
a.pfo-btn--primary:hover,
button.pfo-btn--primary:hover {
  background: var(--pfo-brand-hover);
  color: #fff;
}
.pfo-redesigned a.pfo-btn--secondary,
.pfo-redesigned button.pfo-btn--secondary,
a.pfo-btn--secondary,
button.pfo-btn--secondary {
  background: #fff;
  color: var(--pfo-ink);
  border-color: var(--pfo-line);
}
.pfo-redesigned a.pfo-btn--secondary:hover,
.pfo-redesigned button.pfo-btn--secondary:hover,
a.pfo-btn--secondary:hover,
button.pfo-btn--secondary:hover {
  color: var(--pfo-ink);
  border-color: var(--pfo-ink-muted);
}
.pfo-redesigned a.pfo-btn--ghost,
a.pfo-btn--ghost { background: transparent; color: var(--pfo-brand); }
.pfo-redesigned a.pfo-btn--on-deep,
a.pfo-btn--on-deep { background: #fff; color: var(--pfo-brand); border-color: #fff; }

/* --- Hero subtitle: must read as light-on-dark --- */
.pfo-redesigned p.pfo-hero-sub,
.pfo-hero p.pfo-hero-sub {
  color: rgba(255,255,255,0.86);
}
.pfo-redesigned .pfo-hero p,
.pfo-hero p { color: rgba(255,255,255,0.84); }
.pfo-redesigned .pfo-page-hero p,
.pfo-page-hero p { color: rgba(255,255,255,0.84); }
.pfo-redesigned .pfo-cta-band p,
.pfo-cta-band p { color: rgba(255,255,255,0.86); }
.pfo-redesigned .pfo-hero-trust,
.pfo-hero .pfo-hero-trust { color: rgba(255,255,255,0.78); }

/* --- Header chrome: not body text --- */
.pfo-header a.pfo-logo,
.pfo-redesigned .pfo-header a.pfo-logo {
  color: var(--pfo-ink);
  font-weight: 700;
  white-space: nowrap;
  flex-shrink: 0;
}
.pfo-header a.pfo-logo:hover { color: var(--pfo-ink); }
.pfo-header .pfo-phone,
.pfo-header a.pfo-phone {
  color: var(--pfo-ink) !important;
  font-weight: 600;
  white-space: nowrap !important;
  flex-shrink: 0;
}
.pfo-header a.pfo-phone:hover { color: var(--pfo-brand) !important; }
.pfo-phone, .pfo-phone * { white-space: nowrap !important; }

/* --- Nav items: dark by default, brand on hover/active --- */
.pfo-header .pfo-nav > a,
.pfo-header .pfo-nav-item > a {
  color: var(--pfo-ink);
  font-weight: 500;
  white-space: nowrap;        /* prevent "Business Loans" / "Lender Reviews" wrap */
}
.pfo-header .pfo-nav-item { white-space: nowrap; flex-shrink: 0; }
.pfo-header .pfo-nav > a { flex-shrink: 0; }
.pfo-header .pfo-nav > a:hover,
.pfo-header .pfo-nav-item > a:hover { color: var(--pfo-brand); }
.pfo-header .pfo-nav > a.is-active,
.pfo-header .pfo-nav-item > a.is-active { color: var(--pfo-brand); }
.pfo-header .pfo-nav-dropdown a { color: var(--pfo-ink); white-space: normal; }
.pfo-header .pfo-nav-dropdown a:hover { color: var(--pfo-brand); }

/* --- Product / industry / step cards: card text stays dark --- */
.pfo-redesigned a.pfo-product-card { color: var(--pfo-ink); }
.pfo-redesigned a.pfo-product-card h3 { color: var(--pfo-ink); }
.pfo-redesigned a.pfo-product-card .pfo-product-cta { color: var(--pfo-brand); }
.pfo-redesigned a.pfo-industry,
.pfo-redesigned a.pfo-industry .pfo-industry-label { color: var(--pfo-ink); }

/* --- Header layout: give logo, nav, and CTA breathing room --- */
/* The header uses three flex children: logo, nav, cta cluster.
   We use auto-margins instead of space-between so nav doesn't get
   compressed; nav owns its own gap and CTA stays right-aligned. */
.pfo-header-inner {
  display: flex;
  align-items: center;
  gap: 16px;
  justify-content: flex-start;
  min-height: 72px;
  height: auto;
  flex-wrap: nowrap;
}
.pfo-header-inner > .pfo-logo { margin-right: 24px; }
.pfo-header-inner > .pfo-header-cta { margin-left: auto; flex-shrink: 0; }
.pfo-header-cta { gap: 12px; align-items: center; flex-shrink: 0; }
.pfo-header-cta > * { flex-shrink: 0; }

/* On laptop widths (1024–1279), shrink everything so all 6 nav items +
   phone + CTA fit without crowding the logo. */
@media (min-width: 1024px) and (max-width: 1279px) {
  .pfo-header-inner { gap: 12px; }
  .pfo-header-inner > .pfo-logo { margin-right: 16px; }
  .pfo-nav { gap: 16px; }
  .pfo-nav > a,
  .pfo-nav-item > a { font-size: 14px; padding: 8px 0; }
  .pfo-logo { font-size: 15px; }
  .pfo-logo-mark { width: 28px; height: 28px; font-size: 14px; }
  .pfo-phone { font-size: 13px; }
  .pfo-header-cta { gap: 10px; }
  .pfo-header-cta .pfo-btn { padding: 9px 14px; font-size: 13px; }
}
/* On really narrow laptop widths (1024–1149), drop the phone number entirely
   to give the nav room. The CTA button is what we want them to click anyway. */
@media (min-width: 1024px) and (max-width: 1149px) {
  .pfo-phone { display: none !important; }
}
@media (min-width: 1280px) {
  .pfo-nav { gap: 28px; }
}

/* --- Footer link cascade fix --- */
.pfo-footer a { color: rgba(255,255,255,0.7); }
.pfo-footer a:hover { color: #fff; }

/* --- Final-CTA-band button stays readable --- */
.pfo-cta-band .pfo-btn--on-deep { background: #fff; color: var(--pfo-brand); }
.pfo-cta-band .pfo-btn--on-deep:hover { background: rgba(255,255,255,0.92); color: var(--pfo-brand); }

/* --- Hero card form button: white-bg context, keep text white on blue --- */
.pfo-hero-card button.pfo-btn--primary { color: #fff; }
.pfo-hero-card .pfo-btn--secondary { color: var(--pfo-ink); }

/* --- Hero card heading inherits dark --- */
.pfo-hero-card h3 { color: var(--pfo-ink); }
.pfo-hero-card p { color: var(--pfo-ink-muted); }