/* ================= SETTLE MY LOAN ================= */
.sm-head{padding-bottom:clamp(120px,13vw,180px)}
.sm-col{max-width:920px}
.sm-block{margin-top:clamp(46px,5.4vw,84px)}
.sm-lead h2{font-size:clamp(1.5rem,2.3vw,2.1rem);margin-top:16px}
.sm-lead .lead{margin-top:16px;max-width:64ch}
.sm-lead-dk h2{color:#fff}
.sm-lead-dk .lead{color:var(--muted-dk)}
/* the estimator card is shared with the home page, where it lifts into the hero */
#settle #estWrap{margin-top:clamp(-150px,-12vw,-110px)}

/* what a settlement is — three definition cards */
.def{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(14px,1.6vw,22px);margin-top:clamp(24px,2.8vw,34px)}
.def-card{border:1px solid var(--line);border-radius:var(--r);padding:clamp(22px,2.3vw,28px);background:#fff}
.def-card i{width:34px;height:34px;border-radius:10px;background:var(--navy);color:#fff;display:grid;
  place-items:center;margin-bottom:16px}
.def-card h3{font-size:1.02rem;line-height:1.34}
.def-card p{margin-top:10px;font-size:.92rem;color:var(--muted);line-height:1.6}

/* the process, step by step */
.tl{margin-top:clamp(28px,3.2vw,44px);border-top:1px solid rgba(255,255,255,.14)}
.tl-step{display:grid;grid-template-columns:56px 1fr 200px;gap:clamp(16px,2.4vw,34px);
  padding:clamp(22px,2.6vw,32px) 0;border-bottom:1px solid rgba(255,255,255,.14);align-items:start}
.tl-n{font-family:"Plus Jakarta Sans",sans-serif;font-weight:800;font-size:1.5rem;color:var(--gold);
  line-height:1;padding-top:2px}
.tl-step h3{color:#fff;font-size:clamp(1.05rem,1.4vw,1.22rem)}
.tl-step > div > p{margin-top:10px;color:var(--muted-dk);font-size:.95rem;max-width:56ch}
.tl-you{margin-top:14px;font-size:.87rem;color:#9FBEE0}
.tl-you b{color:#DCE7F4;font-weight:600}
.tl-time{font-family:"Plus Jakarta Sans",sans-serif;font-weight:700;font-size:.7rem;letter-spacing:.19em;
  text-transform:uppercase;color:var(--gold);padding-top:6px}
.tl-time span{display:block;margin-top:6px;font-family:"Inter",sans-serif;font-size:.86rem;
  letter-spacing:0;text-transform:none;color:#B7CEE8}
.tl-note{margin-top:26px;font-size:.87rem;color:#9FBEE0;max-width:62ch}

/* the honest column */
.cost{list-style:none;padding:0;margin:clamp(24px,2.8vw,34px) 0 0;display:grid;gap:0;
  border-top:1px solid var(--line)}
.cost li{display:grid;grid-template-columns:auto 1fr;gap:16px;padding:22px 0;border-bottom:1px solid var(--line)}
.cost i{width:26px;height:26px;border-radius:50%;background:var(--gold-soft);color:#8F5A00;
  display:grid;place-items:center;flex:none;margin-top:2px;font-style:normal;
  font-family:"Plus Jakarta Sans",sans-serif;font-weight:800;font-size:.72rem;letter-spacing:.02em}
.cost b{display:block;font-family:"Plus Jakarta Sans",sans-serif;font-weight:700;font-size:1.02rem;
  letter-spacing:-.02em}
.cost p{margin-top:7px;color:var(--muted);font-size:.94rem;max-width:66ch}

/* is it for you */
.fit{display:grid;grid-template-columns:1fr 1fr;gap:clamp(16px,2vw,26px);margin-top:clamp(24px,2.8vw,34px)}
.fit-card{border-radius:var(--r);padding:clamp(22px,2.4vw,30px);border:1px solid var(--line);background:#fff}
/* this block sits on the sand section, so the second card cannot be sand — both are white
   and the difference is carried by the border and the icon */
.fit-card.yes{border-color:rgba(14,155,114,.38)}
.fit-card.no{border-color:rgba(142,44,39,.26)}
.fit-card h3{font-size:1.06rem;display:flex;align-items:center;gap:10px}
.fit-card h3 i{width:22px;height:22px;border-radius:50%;display:grid;place-items:center;flex:none}
.fit-card.yes h3 i{background:var(--green-soft);color:#076B4E}
.fit-card.no h3 i{background:#F4E3E2;color:#8E2C27}
.fit-card ul{list-style:none;padding:0;margin:16px 0 0;display:grid;gap:11px}
.fit-card li{font-size:.94rem;color:var(--muted);padding-left:16px;position:relative;line-height:1.55}
.fit-card li::before{content:"";position:absolute;left:0;top:.62em;width:5px;height:5px;border-radius:50%;
  background:var(--line-in)}
.fit-card.yes li{color:var(--ink)}
.fit-note{margin-top:16px;font-size:.85rem;color:var(--muted)}

/* faq — same component as the About page */
.sm-faq{border-top:1px solid var(--line);margin-top:clamp(24px,2.8vw,34px)}
.sm-faq details{border-bottom:1px solid var(--line)}
.sm-faq summary{list-style:none;cursor:pointer;display:flex;gap:20px;align-items:flex-start;padding:22px 0;
  font-family:"Plus Jakarta Sans",sans-serif;font-weight:700;font-size:clamp(1rem,1.3vw,1.15rem);
  letter-spacing:-.022em}
.sm-faq summary::-webkit-details-marker{display:none}
.sm-faq summary:hover{color:var(--navy)}
.sm-faq summary .pm{flex:none;margin-left:auto;width:28px;height:28px;border-radius:50%;
  border:1.5px solid var(--line);display:grid;place-items:center;color:var(--navy);
  transition:all .32s var(--ease)}
.sm-faq details[open] summary .pm{background:var(--navy);border-color:var(--navy);color:#fff;transform:rotate(45deg)}
.sm-faq .ans{padding:0 46px 24px 0;color:var(--muted);max-width:74ch}

.sm-link{display:inline-flex;align-items:center;gap:8px;margin-top:18px;font-weight:700;font-size:.93rem;
  color:var(--navy);text-decoration:underline;text-underline-offset:4px}
.sm-cta{background:var(--navy-deep);color:#DCE7F4;border-radius:var(--r-lg);
  padding:clamp(28px,3.2vw,44px);display:grid;grid-template-columns:1fr auto;gap:clamp(20px,3vw,40px);
  align-items:center;margin-top:clamp(46px,5.4vw,84px)}
.sm-cta h2{color:#fff;font-size:clamp(1.35rem,2vw,1.8rem)}
.sm-cta p{margin-top:12px;font-size:.95rem;color:#B7CEE8;max-width:56ch}
.sm-cta .btn{white-space:nowrap}

@media(max-width:900px){
  .def{grid-template-columns:1fr}
  .fit{grid-template-columns:1fr}
  .sm-cta{grid-template-columns:1fr}
  .tl-step{grid-template-columns:1fr;gap:6px}
  .tl-n{font-size:1.15rem;padding-top:0}
  .tl-time{padding-top:12px}
  .tl-time span{display:inline;margin-left:8px}
  #settle #estWrap{margin-top:clamp(-90px,-11vw,-70px)}
  .sm-head{padding-bottom:clamp(100px,15vw,140px)}
}