/* ==========================================================
   product.css - account / loan pages and products.php
   (banner, blocks, cards and buttons come from pages.css)
   ========================================================== */
.prod-title { display: flex; align-items: center; gap: 16px; margin: 12px 0 10px; }
.prod-title h1 { margin: 0; }
.prod-ico { display: inline-flex; align-items: center; justify-content: center; width: 64px; height: 64px; flex-shrink: 0; border-radius: 18px; background: rgba(255, 255, 255, .16); color: var(--secondary-color); }
.page-banner .prod-cat { margin: 0 0 2px; font-size: .8rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--secondary-color); opacity: 1; }

.need-card { padding: 26px 24px; background: var(--white); border: 1px solid var(--border-color); border-top: 5px solid var(--secondary-color); border-radius: 14px; box-shadow: 0 10px 26px rgba(0, 0, 0, .08); }
.need-card h3 { display: flex; align-items: center; gap: 10px; margin: 0 0 16px; font-family: var(--font-heading); font-size: 1.2rem; color: var(--primary-color); }
.checklist { display: grid; gap: 12px; margin: 0 0 16px; padding: 0; list-style: none; }
.checklist li { display: flex; align-items: flex-start; gap: 10px; }
.checklist svg { margin-top: 2px; color: var(--primary-color); }
.block .need-note { margin: 0; padding-top: 12px; border-top: 1px dashed var(--border-color); font-size: .85rem; color: var(--muted-color); }

.cards.four { grid-template-columns: 1fr; }
@media (min-width: 640px)  { .cards.four { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1100px) { .cards.four { grid-template-columns: repeat(4, 1fr); } }

.steps { display: grid; gap: 18px; max-width: 980px; margin: 0 auto; padding: 0; list-style: none; }
.steps li { display: flex; gap: 16px; align-items: flex-start; padding: 20px; background: var(--white); border: 1px solid var(--border-color); border-radius: 14px; }
.block .steps p { margin: 0; padding-top: 6px; }
.step-no { display: inline-flex; align-items: center; justify-content: center; width: 44px; height: 44px; flex-shrink: 0; border-radius: 50%; background: var(--primary-color); color: var(--secondary-color); font-family: var(--font-heading); font-size: 1.15rem; font-weight: 700; }
@media (min-width: 900px) { .steps { grid-template-columns: repeat(3, 1fr); } .steps li { flex-direction: column; } .block .steps p { padding-top: 0; } }
.block .terms-note { max-width: 780px; margin: 26px auto 0; text-align: center; font-size: .9rem; color: var(--muted-color); }
.terms-note a { color: var(--primary-color); font-weight: 600; }

.related { display: grid; gap: 10px; max-width: 900px; margin: 0 auto; padding: 0; list-style: none; }
.related a { display: flex; align-items: center; gap: 12px; min-height: 54px; padding: 12px 16px; background: var(--white); border: 1px solid var(--border-color); border-radius: 12px; color: var(--text-color); font-weight: 600; text-decoration: none; transition: border-color var(--transition), transform var(--transition), box-shadow var(--transition); }
.related a span { flex: 1; }
.related a svg:first-child { color: var(--primary-color); }
.related a svg:last-child { color: var(--secondary-dark); }
.related a:hover { border-color: var(--primary-color); transform: translateX(4px); box-shadow: 0 6px 16px rgba(0, 0, 0, .08); }
.related a:focus-visible, .prod-link:focus-visible { outline: 3px solid var(--secondary-color); outline-offset: 2px; }
@media (min-width: 720px) { .related { grid-template-columns: repeat(2, 1fr); } }

/* products.php: cards are links */
.prod-link { display: block; color: inherit; text-decoration: none; }
.prod-link .more { display: inline-flex; align-items: center; gap: 6px; margin-top: 14px; font-family: var(--font-heading); font-size: .9rem; font-weight: 600; color: var(--primary-color); }
.prod-link:hover .more { text-decoration: underline; }