:root{--blue:#1d4ed8;--blue-d:#173db0;--sky:#38bdf8;--sky-l:#e3f1fd;--gray-d:#334155;--gray-l:#eef2f7;--ink:#22303f;--white:#fff;--r:12px}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Segoe UI',system-ui,-apple-system,Arial,sans-serif;color:var(--ink);background:var(--white);line-height:1.7;font-size:16.5px}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}
.container{max-width:1200px;margin:0 auto;padding:0 20px}
h1,h2,h3,h4{color:var(--gray-d);line-height:1.3;font-weight:700;text-wrap:balance}
h2{font-size:1.65rem;margin:34px 0 14px}h3{font-size:1.22rem;margin:26px 0 10px}
p{margin:0 0 15px;text-wrap:pretty}
ul,ol{margin:0 0 16px 22px}li{margin-bottom:7px}
/* NAV — z-index สูงสุด + isolation กันฟอร์ม 3rd party ทับ */
.site-header{position:sticky;top:0;z-index:2147483000;isolation:isolate;background:var(--white);border-bottom:1px solid #dbe4f0;box-shadow:0 2px 10px rgba(29,78,216,.07)}
.nav-flex{display:flex;align-items:center;justify-content:space-between;min-height:64px;gap:14px}
.logo{display:flex;align-items:center;gap:9px;font-size:1.3rem;font-weight:800;color:var(--gray-d)}
.logo em{color:var(--blue);font-style:normal}
.logo:hover{text-decoration:none}
.main-nav ul{display:flex;align-items:center;gap:4px;list-style:none;margin:0}
.main-nav a,.main-nav .dd>button{display:block;width:100%;text-align:left;padding:10px 14px;color:var(--gray-d);font-weight:600;background:none;border:0;font-size:1rem;font-family:inherit;cursor:pointer;border-radius:8px}
.main-nav a:hover,.main-nav .dd>button:hover{background:var(--sky-l);color:var(--blue);text-decoration:none}
.main-nav a.on{color:var(--blue)}
.nav-gap{width:70px}
.main-nav .nav-cta a.btn-apply{background:var(--blue);color:#fff;border-radius:9px;padding:11px 22px;font-weight:700}
.main-nav .nav-cta a.btn-apply:hover,.main-nav .nav-cta a.btn-apply:focus{background:var(--blue-d);color:#fff;text-decoration:none}
.dd{position:relative}
.main-nav .dd-menu{display:none;position:absolute;top:100%;left:0;background:#fff;border:1px solid #dbe4f0;border-radius:10px;box-shadow:0 10px 26px rgba(29,78,216,.14);min-width:200px;padding:8px;flex-direction:column;align-items:stretch;gap:2px}
.main-nav .dd.open .dd-menu{display:flex}
@media(hover:hover) and (min-width:861px){.main-nav .dd:hover .dd-menu{display:flex}}
.dd-menu li{margin:0;width:100%}
.main-nav .dd-menu a{display:block;width:100%}
.nav-toggle{display:none;background:none;border:1px solid #cbd7e8;border-radius:8px;font-size:1.4rem;padding:4px 12px;color:var(--gray-d);cursor:pointer}
/* BREADCRUMB */
.breadcrumb{background:var(--gray-l);border-bottom:1px solid #e2e9f2;font-size:.87rem}
.breadcrumb ol{display:flex;flex-wrap:wrap;gap:6px;list-style:none;margin:0;padding:9px 0}
.breadcrumb li+li::before{content:"›";margin-right:6px;color:#8ea2bc}
.breadcrumb li[aria-current]{color:#5c6b7e}
/* HERO */
.hero{position:relative;min-height:390px;display:flex;align-items:center;overflow:hidden}
.hero-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.hero-overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(15,30,70,.78),rgba(29,78,216,.45) 55%,rgba(56,189,248,.18))}
.hero-inner{position:relative;color:#fff;padding:60px 20px;max-width:1200px}
.hero-inner h1{color:#fff;font-size:2.3rem;max-width:640px;margin-bottom:12px}
.hero-inner p{font-size:1.12rem;max-width:600px;margin-bottom:22px;color:#eaf3ff}
.btn-primary{display:inline-block;background:var(--sky);color:#0b2549;font-weight:800;padding:13px 28px;border-radius:10px}
.btn-primary:hover{background:#5ecbfa;text-decoration:none}
/* FORM ZONE — isolation ดัก z-index ภายใน */
.form-zone{background:linear-gradient(180deg,var(--sky-l),#fff);padding:34px 0}
.form-wrap{position:relative;z-index:1;isolation:isolate;max-width:920px;margin:0 auto;padding:0 16px}
/* LAYOUT */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:38px;padding:38px 0}
.content>*:first-child{margin-top:0}
.v-img{float:right;width:290px;margin:6px 0 16px 24px;border-radius:var(--r);overflow:hidden;box-shadow:0 6px 18px rgba(29,78,216,.13)}
.v-img.left{float:left;margin:6px 24px 16px 0}
/* SIDEBAR */
.side-box{background:#fff;border:1px solid #dfe7f1;border-radius:var(--r);padding:18px;margin-bottom:16px;box-shadow:0 2px 8px rgba(29,78,216,.05)}
.side-box h3{margin:0 0 9px;font-size:1.05rem}
.side-box p{font-size:.92rem;margin-bottom:8px}
.side-list{list-style:none;margin:0}
.side-list li{border-bottom:1px dashed #e3eaf3;padding:6px 0;margin:0;font-size:.93rem}
.side-list li:last-child{border:0}
.side-cta{background:linear-gradient(160deg,var(--blue),#2f6bff);color:#fff}
.side-cta h3{color:#fff}.side-cta p{color:#e2ecff}
.side-rating .stars{color:#f5a623;font-size:1.35rem;letter-spacing:3px}
/* AMOUNT CARDS */
.amt-row{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:22px 0 30px}
.amt-card{background:#fff;border:2px solid #dbe6f6;border-radius:var(--r);padding:20px;color:var(--ink);display:flex;flex-direction:column;gap:6px;transition:.18s}
.amt-card:hover{border-color:var(--blue);box-shadow:0 8px 20px rgba(29,78,216,.14);text-decoration:none;transform:translateY(-3px)}
.amt{font-size:1.35rem;font-weight:800;color:var(--blue)}
.amt-t{font-weight:700;color:var(--gray-d)}
.amt-card p{font-size:.9rem;color:#4c5b6d;margin:0}
.amt-link{font-weight:700;color:var(--sky);font-size:.92rem;margin-top:auto}
/* BLOG GRID */
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin:26px 0}
.post-card{background:#fff;border:1px solid #e0e8f2;border-radius:var(--r);overflow:hidden;display:flex;flex-direction:column;box-shadow:0 3px 12px rgba(29,78,216,.07);transition:.18s}
.post-card:hover{transform:translateY(-4px);box-shadow:0 10px 24px rgba(29,78,216,.15)}
.post-card img{aspect-ratio:3/2;object-fit:cover;width:100%}
.pc-body{padding:16px;display:flex;flex-direction:column;gap:8px;flex:1}
.pc-body h3{margin:0;font-size:1.06rem;text-wrap:balance}
.pc-body h3 a{color:var(--gray-d)}
.pc-body p{font-size:.9rem;color:#51606f;margin:0}
.pc-more{font-weight:700;font-size:.9rem;margin-top:auto}
/* LENDER COMPARE */
.lender{background:#fff;border:1px solid #dfe7f1;border-left:5px solid var(--sky);border-radius:10px;padding:20px 22px;margin-bottom:18px}
.lender h3{margin-top:0}
.lender-meta{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:10px}
.tag{background:var(--sky-l);color:var(--blue-d);border-radius:999px;padding:3px 12px;font-size:.8rem;font-weight:700}
/* REVIEWS */
.rev-summary{display:flex;flex-wrap:wrap;align-items:center;gap:26px;background:var(--sky-l);border-radius:var(--r);padding:24px;margin-bottom:26px}
.rev-num{font-size:3rem;font-weight:800;color:var(--blue)}
.rev-stars{color:#f5a623;font-size:1.6rem;letter-spacing:4px}
.review{border:1px solid #e2e9f3;border-radius:10px;padding:16px 18px;margin-bottom:14px;background:#fff}
.review .stars{color:#f5a623;letter-spacing:2px}
.review .who{font-weight:700;color:var(--gray-d)}
.review .meta{font-size:.82rem;color:#7f8ea0}
/* AUTHOR + SOCIAL + RELATED */
.author-box{display:flex;align-items:center;gap:14px;background:var(--gray-l);border-radius:10px;padding:14px 18px;margin:20px 0}
.author-badge{width:46px;height:46px;border-radius:50%;background:var(--blue);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:1.1rem;flex:0 0 46px}
.social-row{display:flex;gap:10px;margin:18px 0}
.social-row a{display:inline-flex;align-items:center;justify-content:center;width:40px;height:40px;border-radius:50%;background:var(--sky-l);color:var(--blue);font-weight:800}
.social-row a:hover{background:var(--blue);color:#fff;text-decoration:none}
.related{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:24px 0}
/* CALC */
.calc-box{background:#fff;border:2px solid var(--sky-l);border-radius:var(--r);padding:24px;box-shadow:0 6px 18px rgba(29,78,216,.09);margin:20px 0}
.calc-box label{font-weight:700;display:block;margin:12px 0 5px;color:var(--gray-d)}
.calc-box input,.calc-box select{width:100%;padding:11px;border:1px solid #c8d5e6;border-radius:8px;font-size:1rem}
.calc-box button{margin-top:16px;width:100%;background:var(--blue);color:#fff;border:0;border-radius:9px;padding:13px;font-size:1.05rem;font-weight:800;cursor:pointer}
.calc-box button:hover{background:var(--blue-d)}
.calc-out{margin-top:18px;background:var(--sky-l);border-radius:10px;padding:16px;display:none}
.calc-out.show{display:block}
.calc-out .big{font-size:1.7rem;font-weight:800;color:var(--blue)}
/* FAQ */
.faq-item{border:1px solid #e0e8f2;border-radius:10px;margin-bottom:12px;background:#fff;overflow:hidden}
.faq-item summary{padding:15px 18px;font-weight:700;color:var(--gray-d);cursor:pointer;list-style:none}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";float:right;color:var(--blue);font-weight:800}
.faq-item[open] summary::after{content:"–"}
.faq-item .faq-a{padding:0 18px 15px}
/* CTA + FOOTER */
.cta-zone{background:linear-gradient(120deg,var(--blue),#2563eb 60%,var(--sky));color:#fff;padding:38px 0;margin-top:20px}
.cta-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}
.cta-inner h2{color:#fff;margin:0 0 6px}.cta-inner p{margin:0;color:#e4efff}
.btn-light{background:#fff;color:var(--blue);font-weight:800;padding:13px 28px;border-radius:10px;white-space:nowrap}
.btn-light:hover{background:var(--sky-l);text-decoration:none}
.site-footer{background:var(--gray-d);color:#c9d4e0;padding-top:44px;font-size:.93rem}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.3fr;gap:30px;padding-bottom:26px}
.foot-col h4{color:#fff;margin-bottom:12px}
.foot-col ul{list-style:none;margin:0}
.foot-col a{color:#c9d4e0}
.foot-logo span{color:#fff}
.disclosure{border-top:1px solid #46586d;padding:20px 20px 26px;font-size:.8rem;color:#9fb0c2}
.disclosure h4{color:#dfe8f2;font-size:.9rem;margin-bottom:8px}
.copyright{margin-top:14px;color:#8496aa}
#toTop{position:fixed;right:18px;bottom:18px;width:46px;height:46px;border-radius:50%;background:var(--blue);color:#fff;border:0;font-size:1.3rem;cursor:pointer;display:none;z-index:2147482000;box-shadow:0 4px 14px rgba(0,0,0,.25)}
#toTop.show{display:block}
/* TABLES */
table{width:100%;border-collapse:collapse;margin:18px 0;font-size:.93rem}
th,td{border:1px solid #dde6f0;padding:10px 12px;text-align:left}
th{background:var(--sky-l);color:var(--gray-d)}
tr:nth-child(even){background:#f7fafd}
/* RESPONSIVE */
@media(max-width:1024px){.layout{grid-template-columns:1fr}.sidebar{columns:2;column-gap:16px}.side-box{break-inside:avoid}}
@media(max-width:860px){
.nav-toggle{display:block}
.main-nav{display:none;position:absolute;left:0;right:0;top:64px;background:#fff;border-bottom:1px solid #dbe4f0;box-shadow:0 12px 24px rgba(0,0,0,.12)}
.main-nav.open{display:block}
.main-nav ul{flex-direction:column;align-items:stretch;padding:12px}
.main-nav ul li{width:100%}
.main-nav .dd>button{width:100%;text-align:left}
.main-nav .dd>button::after{content:"";float:right}
.nav-gap{display:none}
.main-nav .dd-menu{position:static;box-shadow:none;border:0;padding-left:16px;display:none}
.main-nav .dd.open .dd-menu{display:flex}
.amt-row,.blog-grid{grid-template-columns:1fr}
.related{grid-template-columns:1fr}
.v-img,.v-img.left{float:none;width:100%;max-width:420px;margin:14px auto}
.hero-inner h1{font-size:1.7rem}
.foot-grid{grid-template-columns:1fr 1fr}
.sidebar{columns:1}
}
@media(max-width:560px){.foot-grid{grid-template-columns:1fr}}