/*
Theme Name: Personal-Loan 2026
Theme URI: https://www.personal-loan.com/
Author: Personal-Loan.com
Description: Custom lightweight theme for Personal-Loan.com. Quote-card hero, ZeroParallel apply page, personal loan calculator, responsive, no jQuery on content pages.
Version: 1.0.0
Requires at least: 6.4
Requires PHP: 8.0
Text Domain: pl2026
*/

:root {
  --pl-dark: #0F3D36;
  --pl-ink: #10231F;
  --pl-text: #1B2421;
  --pl-muted: #4B5753;
  --pl-chip: #1E5249;
  --pl-soft: #D5EAE4;
  --pl-gold: #F2B544;
  --pl-tint: #EEF6F3;
  --pl-line: #D7E8E2;
  --pl-link: #0F6B5E;
  --pl-font: 'Plus Jakarta Sans', 'Segoe UI', system-ui, -apple-system, sans-serif;
  --pl-wrap: 1200px;
  --pl-read: 800px;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; font-family: var(--pl-font); font-size: 17px; line-height: 1.65; color: var(--pl-text); background: #FFFFFF; }
img { max-width: 100%; height: auto; }
a { color: var(--pl-link); text-underline-offset: 3px; }
a:hover { color: var(--pl-dark); }
:focus-visible { outline: 3px solid var(--pl-gold); outline-offset: 2px; }
h1, h2, h3, h4 { line-height: 1.18; letter-spacing: -0.015em; text-wrap: balance; color: var(--pl-dark); font-weight: 800; }
.screen-reader-text { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(1px,1px,1px,1px); white-space: nowrap; }
.pl-skip:focus { position: fixed; top: 8px; left: 8px; z-index: 100; width: auto; height: auto; clip: auto; background: #FFFFFF; color: var(--pl-ink); padding: 10px 16px; border-radius: 8px; }

.pl-wrap { max-width: var(--pl-wrap); margin: 0 auto; padding-left: max(20px, env(safe-area-inset-left, 0px)); padding-right: max(20px, env(safe-area-inset-right, 0px)); }
.pl-read { max-width: var(--pl-read); margin: 0 auto; padding-left: max(20px, env(safe-area-inset-left, 0px)); padding-right: max(20px, env(safe-area-inset-right, 0px)); }
.pl-topbar { margin: 0; background: var(--pl-ink); color: #FFFFFF; font-size: 14px; line-height: 1.45; text-align: center; padding: 8px 20px; }

/* Buttons */
.pl-btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; min-height: 54px; padding: 0 30px; border: 0; border-radius: 12px; background: var(--pl-gold); color: var(--pl-ink); font-family: var(--pl-font); font-weight: 800; font-size: 18px; text-decoration: none; cursor: pointer; transition: background-color .15s ease, transform .15s ease; }
.pl-btn:hover { background: #F6C566; color: var(--pl-ink); transform: translateY(-1px); }
.pl-btn svg { width: 20px; height: 20px; }
.pl-btn--sm { min-height: 46px; padding: 0 20px; font-size: 16px; }
.pl-center { display: flex; justify-content: center; margin: 32px 0 8px; }

/* Header */
.pl-hero, .pl-band { background: var(--pl-dark); color: #FFFFFF; position: relative; }
.pl-header { display: flex; align-items: center; gap: 28px; padding-top: 18px; padding-bottom: 18px; position: relative; z-index: 5; }
.pl-logo { display: inline-flex; align-items: center; gap: 10px; color: #FFFFFF; text-decoration: none; font-weight: 800; font-size: 21px; letter-spacing: -0.01em; white-space: nowrap; }
.pl-logo em { font-style: normal; color: var(--pl-gold); }
.pl-logo:hover { color: #FFFFFF; }
.pl-logo img { max-height: 42px; width: auto; }
.pl-nav { flex: 1; display: flex; justify-content: center; }
.pl-nav ul { list-style: none; margin: 0; padding: 0; display: flex; gap: 26px; }
.pl-nav a { color: #FFFFFF; text-decoration: none; font-weight: 600; font-size: 16px; white-space: nowrap; }
.pl-nav a:hover, .pl-nav .current-menu-item > a { color: var(--pl-gold); }
.pl-header .pl-btn { margin-left: auto; }
.pl-menu-toggle { display: none; margin-left: auto; width: 46px; height: 46px; background: transparent; border: 0; color: #FFFFFF; cursor: pointer; }
.pl-menu-toggle svg { width: 28px; height: 28px; }

/* Hero */
.pl-hero__grid { display: flex; flex-wrap: wrap; gap: 48px; align-items: center; padding-top: 36px; padding-bottom: 72px; }
.pl-hero__copy { flex: 1 1 520px; min-width: 0; }
.pl-eyebrow { display: inline-block; margin: 0 0 16px; background: var(--pl-chip); color: #FFFFFF; font-weight: 700; font-size: 14px; padding: 6px 12px; border-radius: 999px; }
.pl-hero h1 { margin: 0 0 18px; color: #FFFFFF; font-size: clamp(34px, 4.4vw, 54px); line-height: 1.08; letter-spacing: -0.02em; }
.pl-lead { margin: 0 0 24px; font-size: 19px; color: var(--pl-soft); max-width: 580px; }
.pl-points { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 10px 26px; font-weight: 600; }
.pl-points li { display: flex; align-items: center; gap: 8px; }
.pl-points svg { width: 20px; height: 20px; color: var(--pl-gold); flex-shrink: 0; }
.pl-hero__card { flex: 1 1 360px; max-width: 440px; }

/* Quote card */
.pl-quote { background: #FFFFFF; color: var(--pl-text); border-radius: 18px; padding: 28px; box-shadow: 0 24px 60px rgba(0, 0, 0, 0.28); display: flex; flex-direction: column; gap: 16px; }
.pl-quote__title { margin: 0; font-size: 22px; }
.pl-quote__fields { display: flex; flex-direction: column; gap: 16px; }
.pl-field { display: flex; flex-direction: column; gap: 6px; }
.pl-field label { font-weight: 700; font-size: 15px; }
.pl-select { position: relative; }
.pl-select select { appearance: none; -webkit-appearance: none; width: 100%; min-height: 52px; border: 2px solid var(--pl-line); border-radius: 10px; padding: 0 44px 0 14px; font-family: var(--pl-font); font-size: 17px; font-weight: 600; color: var(--pl-text); background: #FFFFFF; cursor: pointer; }
.pl-select select:focus { border-color: var(--pl-link); }
.pl-select svg { position: absolute; right: 14px; top: 50%; transform: translateY(-50%); width: 18px; height: 18px; pointer-events: none; color: var(--pl-muted); }
.pl-quote .pl-btn { width: 100%; }
.pl-quote__fine { margin: 0; font-size: 13px; line-height: 1.5; color: var(--pl-muted); }
/* Compact (inner pages): no card, one row on the dark band */
.pl-quote--compact { background: transparent; box-shadow: none; padding: 0; color: #FFFFFF; gap: 10px; max-width: 640px; }
.pl-quote--compact .pl-quote__fields { flex-direction: row; flex-wrap: wrap; align-items: flex-end; gap: 12px; }
.pl-quote--compact .pl-field { flex: 1 1 220px; max-width: 280px; }
.pl-quote--compact .pl-btn { width: auto; flex: 0 0 auto; }
.pl-quote--compact .pl-select select { border-color: transparent; }
.pl-quote--compact .pl-quote__fine { color: var(--pl-soft); }

/* Glance strip */
.pl-strip { background: var(--pl-tint); }
.pl-strip__inner { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 20px; padding-top: 26px; padding-bottom: 26px; }
.pl-strip strong { display: block; font-size: 20px; color: var(--pl-dark); }
.pl-strip span { color: var(--pl-muted); font-size: 15px; }

/* Homepage */
.pl-home { padding-top: 72px; display: flex; flex-direction: column; gap: 80px; }
.pl-uses { display: flex; flex-wrap: wrap; gap: 48px; align-items: center; }
.pl-uses__media { flex: 1 1 440px; min-width: 0; }
.pl-uses__media img { display: block; width: 100%; aspect-ratio: 4 / 3; object-fit: cover; border-radius: 20px; }
.pl-uses__copy { flex: 1 1 440px; min-width: 0; }
.pl-uses h2, .pl-section > h2, .pl-elig h2 { margin: 0 0 14px; font-size: clamp(28px, 3vw, 38px); }
.pl-uses p { margin: 0 0 22px; }
.pl-uses__list { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
.pl-uses__list a { display: block; padding: 14px 16px; border-radius: 12px; background: var(--pl-tint); color: var(--pl-dark); font-weight: 700; text-decoration: none; }
.pl-uses__list a:hover { background: var(--pl-line); }
.pl-home__content { padding: 0; max-width: var(--pl-read); margin: 0; }
.pl-steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 20px; }
.pl-steps li { padding: 26px; border: 1px solid var(--pl-line); border-radius: 16px; display: flex; flex-direction: column; gap: 6px; }
.pl-num { display: inline-flex; width: 40px; height: 40px; border-radius: 50%; background: var(--pl-gold); color: var(--pl-ink); font-weight: 800; align-items: center; justify-content: center; margin-bottom: 6px; }
.pl-steps strong { font-size: 19px; }
.pl-steps span { color: var(--pl-muted); }
.pl-elig { background: var(--pl-dark); color: #FFFFFF; border-radius: 22px; padding: 44px; display: flex; flex-wrap: wrap; gap: 36px; align-items: center; }
.pl-elig > div { flex: 1 1 360px; min-width: 0; }
.pl-elig h2 { color: #FFFFFF; }
.pl-elig p { margin: 0 0 18px; color: var(--pl-soft); }
.pl-elig a { color: var(--pl-gold); font-weight: 800; }
.pl-elig ul { flex: 1 1 360px; list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
.pl-elig li { background: var(--pl-chip); border-radius: 12px; padding: 14px 16px; font-weight: 700; }
.pl-guides { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 16px; }
.pl-guide { display: block; padding: 24px; border-radius: 16px; border: 1px solid var(--pl-line); text-decoration: none; color: var(--pl-text); }
.pl-guide:hover { border-color: var(--pl-link); color: var(--pl-text); }
.pl-guide strong { display: block; font-size: 19px; color: var(--pl-dark); margin-bottom: 6px; }
.pl-guide span { color: var(--pl-muted); }
.pl-lender { max-width: var(--pl-read); }
.pl-lender p { margin: 0; }

/* Inner pages */
.pl-band__inner { padding-top: 24px; padding-bottom: 52px; display: flex; flex-direction: column; gap: 22px; }
.pl-band__inner > * { max-width: 900px; }
.pl-band h1 { margin: 0; color: #FFFFFF; font-size: clamp(30px, 3.6vw, 46px); }
.pl-main { padding-top: 52px; padding-bottom: 24px; }
.pl-content > *:first-child { margin-top: 0; }
.pl-content h2 { font-size: clamp(26px, 3vw, 34px); margin: 1.7em 0 0.5em; }
.pl-content h3 { font-size: clamp(21px, 2.3vw, 25px); margin: 1.6em 0 0.5em; }
.pl-content p, .pl-content ul, .pl-content ol { margin: 0 0 1.1em; }
.pl-content li { margin-bottom: 0.4em; }
.pl-content { overflow-wrap: break-word; }
.pl-content p a, .pl-content li a { overflow-wrap: anywhere; }
.pl-content .pl-summary { background: var(--pl-tint); border-radius: 16px; padding: 20px 24px; margin: 0 0 1.6em; }
.pl-content .pl-summary > :last-child { margin-bottom: 0; }
.pl-content figure.pl-fig { margin: 32px 0; }
.pl-content figure.pl-fig img { display: block; width: 100%; height: auto; border-radius: 14px; border: 1px solid var(--pl-line); background: var(--pl-tint); }
.pl-content figure.pl-fig figcaption { margin-top: 10px; font-size: 15px; line-height: 1.5; color: var(--pl-muted); }
.pl-listing { border-bottom: 1px solid var(--pl-line); padding-bottom: 24px; margin-bottom: 24px; }
.pl-listing h2 { margin-top: 0; }

/* Tables */
.pl-table { overflow-x: auto; border: 1px solid var(--pl-line); border-radius: 14px; margin: 0 0 12px; }
.pl-table table { width: 100%; border-collapse: collapse; font-size: 16px; font-variant-numeric: tabular-nums; }
.pl-table th { background: var(--pl-dark); color: #FFFFFF; text-align: left; padding: 13px 16px; font-weight: 700; }
.pl-table td { padding: 13px 16px; border-top: 1px solid var(--pl-line); vertical-align: top; }
.pl-table tbody tr:nth-child(even) td { background: var(--pl-tint); }
.pl-table--wide table { min-width: 760px; }
.pl-table--wide td, .pl-table--wide th { padding: 10px 10px; font-size: 15px; line-height: 1.45; }
.pl-table--wide th:first-child, .pl-table--wide td:first-child { position: sticky; left: 0; z-index: 1; font-weight: 700; }
.pl-table--wide td:first-child { background: #FFFFFF; }
.pl-table--wide tbody tr:nth-child(even) td:first-child { background: var(--pl-tint); }
.pl-note { font-size: 14px; color: var(--pl-muted); }

/* FAQ */
.pl-faq details { border-bottom: 1px solid var(--pl-line); padding: 14px 0; }
.pl-faq summary { font-weight: 700; font-size: 19px; cursor: pointer; }
.pl-faq details p { margin: 10px 0 0; color: var(--pl-muted); }

/* Glossary: term list */
.pl-content dl.pl-terms dt { font-weight: 800; color: var(--pl-dark); font-size: 19px; margin-top: 1.3em; scroll-margin-top: 20px; }
.pl-content dl.pl-terms dd { margin: 0.3em 0 0; }
.pl-content .pl-az { display: flex; flex-wrap: wrap; gap: 6px; list-style: none; padding: 0; }
.pl-content .pl-az a { display: inline-flex; min-width: 36px; min-height: 36px; align-items: center; justify-content: center; border-radius: 8px; background: var(--pl-tint); font-weight: 700; text-decoration: none; }

/* Apply page */
.pl-band__inner--apply { padding-bottom: 92px; }
.pl-apply-main { padding-bottom: 48px; }
.pl-apply-card { background: #FFFFFF; border-radius: 22px; box-shadow: 0 20px 50px rgba(15, 61, 54, 0.16); padding: 28px; margin: -48px auto 0; position: relative; z-index: 2; max-width: 640px; }
.pl-apply-extra { margin-top: 40px; }
.pl-apply-note { max-width: 860px; margin: 24px auto 0; text-align: center; }

/* Closing CTA + footer */
.pl-cta-band { margin-top: 72px; }
.pl-cta-band__inner { padding-top: 52px; padding-bottom: 52px; display: flex; flex-wrap: wrap; gap: 24px; align-items: center; justify-content: space-between; }
.pl-cta-band h2 { color: #FFFFFF; margin: 0 0 6px; font-size: 32px; }
.pl-cta-band p { margin: 0; color: var(--pl-soft); }
.pl-footer { background: var(--pl-ink); color: #C9D8D3; font-size: 15px; }
.pl-footer__inner { padding-top: 44px; padding-bottom: 36px; display: flex; flex-direction: column; gap: 22px; }
.pl-footer a { color: #FFFFFF; }
.pl-footer h2 { color: #FFFFFF; font-size: 17px; margin: 0 0 10px; }
.pl-footer__links ul { list-style: none; margin: 0; padding: 0; columns: 3 220px; column-gap: 32px; }
.pl-footer__links li { margin-bottom: 8px; break-inside: avoid; }
.pl-footer__legal { border-top: 1px solid rgba(255,255,255,0.14); padding-top: 18px; display: flex; flex-direction: column; gap: 10px; font-size: 14px; }
.pl-footer__legal p { margin: 0; }
.pl-footer__policy { display: flex; flex-wrap: wrap; gap: 20px; font-weight: 600; }

/* Calculator */
.pl-calc { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; background: var(--pl-tint); border-radius: 20px; padding: 24px; margin: 0 0 1.6em; }
.pl-calc__inputs { display: grid; gap: 14px; align-content: start; }
.pl-calc__field { display: grid; gap: 6px; font-weight: 700; font-size: 15px; }
.pl-calc__field input { font: inherit; font-weight: 500; font-size: 18px; padding: 12px 14px; border: 2px solid var(--pl-line); border-radius: 10px; background: #FFFFFF; color: var(--pl-text); width: 100%; }
.pl-calc__field input:focus { outline: 3px solid var(--pl-gold); outline-offset: 1px; }
.pl-calc__out { background: #FFFFFF; border-radius: 16px; padding: 20px; display: grid; gap: 10px; align-content: start; }
.pl-calc__out div { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; border-bottom: 1px solid var(--pl-line); padding-bottom: 9px; }
.pl-calc__out span { color: var(--pl-muted); font-size: 15px; }
.pl-calc__out strong { font-size: 21px; font-variant-numeric: tabular-nums; color: var(--pl-ink); }
.pl-calc__note { margin: 4px 0 0; font-size: 14px; color: var(--pl-muted); }
.pl-calc__sched { grid-column: 1 / -1; }
.pl-calc__sched summary { font-weight: 700; cursor: pointer; }
.pl-calc__sched .pl-table { margin-top: 12px; background: #FFFFFF; }

/* Mobile */
@media (max-width: 900px) {
  .pl-menu-toggle { display: inline-flex; align-items: center; justify-content: center; }
  .pl-header > .pl-btn { display: none; }
  .pl-nav { display: none; position: absolute; top: 100%; left: 12px; right: 12px; background: #FFFFFF; border-radius: 16px; box-shadow: 0 20px 40px rgba(0,0,0,0.2); padding: 10px; }
  .pl-nav.is-open { display: block; }
  .pl-nav ul { flex-direction: column; gap: 0; }
  .pl-nav a { display: block; color: var(--pl-text); padding: 12px 14px; border-radius: 10px; }
  .pl-nav a:hover { background: var(--pl-tint); color: var(--pl-text); }
  .pl-hero__grid { padding-top: 12px; padding-bottom: 44px; gap: 32px; }
  .pl-hero__card { max-width: none; }
  .pl-quote { padding: 22px; }
  .pl-elig { padding: 28px; }
  .pl-home { padding-top: 52px; gap: 60px; }
  .pl-apply-card { padding: 12px; border-radius: 16px; }
  .pl-calc { grid-template-columns: 1fr; padding: 16px; }
}
@media (max-width: 480px) {
  .pl-header { gap: 10px; }
  .pl-logo { font-size: 17px; gap: 8px; }
  .pl-logo svg { width: 28px; height: 28px; }
  .pl-uses__list { grid-template-columns: 1fr; }
  .pl-quote--compact .pl-field { max-width: none; flex-basis: 100%; }
  .pl-quote--compact .pl-btn { width: 100%; }
}
@media (prefers-reduced-motion: reduce) { .pl-btn { transition: none; } .pl-btn:hover { transform: none; } }