/* ==========================================================================
   Simple Fast Loans — Design System & Stylesheet
   Crafted with UI UX Pro Max & Editorial Taste
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:ital,wght@0,300;0,400;0,500;0,600;0,700;0,800;1,400;1,600&display=swap');

:root {
  /* Brand Palette - Confident, Trustworthy, Editorial */
  --color-brand-primary: #0d2745;
  --color-brand-secondary: #173d66;
  --color-brand-navy-light: #214f80;
  
  --color-brand-accent: #0f7652;
  --color-brand-accent-hover: #0c5e41;
  --color-brand-accent-light: #eaf6f1;
  --color-brand-accent-border: #b8e2d2;

  --color-accent-amber: #b45309;
  --color-accent-amber-bg: #fef3c7;
  --color-accent-amber-border: #fde68a;

  --color-accent-blue: #0369a1;
  --color-accent-blue-bg: #f0f9ff;
  --color-accent-blue-border: #bae6fd;

  /* Surfaces & Backgrounds */
  --color-bg-body: #fbfcfd;
  --color-bg-surface: #ffffff;
  --color-bg-subtle: #f4f6f9;
  --color-bg-muted: #e9eef4;
  --color-bg-dark: #0a1f37;
  --color-bg-dark-surface: #0f2c4c;

  /* Text & Typography */
  --color-text-main: #0f172a;
  --color-text-muted: #475569;
  --color-text-subtle: #64748b;
  --color-text-inverse: #ffffff;
  --color-text-inverse-muted: #cbd5e1;

  /* Borders & Dividers */
  --color-border: #e2e8f0;
  --color-border-subtle: #edf2f7;
  --color-border-strong: #cbd5e1;
  --color-focus-ring: #0f7652;

  /* Typography Scale */
  --font-family-base: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
  --font-size-xs: 0.75rem;    /* 12px */
  --font-size-sm: 0.875rem;   /* 14px */
  --font-size-base: 1rem;     /* 16px */
  --font-size-lg: 1.125rem;   /* 18px */
  --font-size-xl: 1.25rem;    /* 20px */
  --font-size-2xl: 1.5rem;    /* 24px */
  --font-size-3xl: 1.875rem;  /* 30px */
  --font-size-4xl: 2.25rem;   /* 36px */
  --font-size-5xl: 2.875rem;  /* 46px */

  --line-height-tight: 1.15;
  --line-height-snug: 1.35;
  --line-height-normal: 1.6;
  --line-height-relaxed: 1.75;

  /* Spacing */
  --space-1: 0.25rem;
  --space-2: 0.5rem;
  --space-3: 0.75rem;
  --space-4: 1rem;
  --space-5: 1.25rem;
  --space-6: 1.5rem;
  --space-8: 2rem;
  --space-10: 2.5rem;
  --space-12: 3rem;
  --space-16: 4rem;
  --space-20: 5rem;
  --space-24: 6rem;

  /* Border Radii */
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 14px;
  --radius-xl: 20px;
  --radius-pill: 9999px;

  /* Shadows - Natural and restrained */
  --shadow-xs: 0 1px 2px rgba(15, 23, 42, 0.04);
  --shadow-sm: 0 2px 4px rgba(15, 23, 42, 0.05);
  --shadow-md: 0 6px 16px -2px rgba(15, 23, 42, 0.07), 0 2px 6px -1px rgba(15, 23, 42, 0.04);
  --shadow-lg: 0 12px 24px -4px rgba(15, 23, 42, 0.08), 0 4px 8px -2px rgba(15, 23, 42, 0.04);

  /* Layout */
  --container-max-width: 1200px;
  --container-narrow: 840px;
  --header-height: 76px;
  --transition-fast: 150ms cubic-bezier(0.16, 1, 0.3, 1);
  --transition-normal: 240ms cubic-bezier(0.16, 1, 0.3, 1);
}

/* ==========================================================================
   CSS Reset & Base
   ========================================================================== */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  font-size: 16px;
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-family-base);
  font-size: var(--font-size-base);
  line-height: var(--line-height-normal);
  color: var(--color-text-main);
  background-color: var(--color-bg-body);
  text-rendering: optimizeLegibility;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

main {
  flex: 1 0 auto;
}

img, picture, video, canvas, svg {
  display: block;
  max-width: 100%;
  height: auto;
}

input, button, textarea, select {
  font: inherit;
  color: inherit;
}

button {
  cursor: pointer;
  background: none;
  border: none;
}

a {
  color: inherit;
  text-decoration: none;
  transition: color var(--transition-fast);
}

ul, ol {
  list-style: none;
}

/* Accessibility: Skip Link */
.skip-link {
  position: absolute;
  top: -100px;
  left: 1rem;
  background: var(--color-brand-accent);
  color: #ffffff;
  padding: 0.75rem 1.25rem;
  border-radius: var(--radius-sm);
  font-weight: 600;
  z-index: 9999;
  transition: top var(--transition-fast);
  text-decoration: none;
}
.skip-link:focus {
  top: 1rem;
  outline: 3px solid #ffffff;
}

/* Focus Visibility */
:focus-visible {
  outline: 2px solid var(--color-focus-ring);
  outline-offset: 3px;
}

/* ==========================================================================
   Typography & Utilities
   ========================================================================== */
h1, h2, h3, h4, h5, h6 {
  color: var(--color-brand-primary);
  font-weight: 700;
  line-height: var(--line-height-tight);
  letter-spacing: -0.02em;
}

h1 {
  font-size: clamp(2rem, 4.5vw, var(--font-size-5xl));
}

h2 {
  font-size: clamp(1.6rem, 3.2vw, var(--font-size-3xl));
  margin-bottom: var(--space-4);
}

h3 {
  font-size: clamp(1.25rem, 2.2vw, var(--font-size-2xl));
  margin-bottom: var(--space-3);
}

h4 {
  font-size: var(--font-size-lg);
  font-weight: 600;
  margin-bottom: var(--space-2);
}

p {
  color: var(--color-text-muted);
  margin-bottom: var(--space-4);
  max-width: 72ch;
}

p.lead {
  font-size: var(--font-size-lg);
  line-height: var(--line-height-relaxed);
  color: var(--color-text-muted);
}

.eyebrow {
  display: inline-block;
  font-size: var(--font-size-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--color-brand-accent);
  margin-bottom: var(--space-3);
}

.container {
  width: 100%;
  max-width: var(--container-max-width);
  margin-left: auto;
  margin-right: auto;
  padding-left: var(--space-6);
  padding-right: var(--space-6);
}

.container-narrow {
  max-width: var(--container-narrow);
}

.section {
  padding-top: var(--space-16);
  padding-bottom: var(--space-16);
}

.section-muted {
  background-color: var(--color-bg-subtle);
  border-top: 1px solid var(--color-border);
  border-bottom: 1px solid var(--color-border);
}

.section-dark {
  background-color: var(--color-bg-dark);
  color: var(--color-text-inverse);
}
.section-dark h1,
.section-dark h2,
.section-dark h3 {
  color: var(--color-text-inverse);
}
.section-dark p {
  color: var(--color-text-inverse-muted);
}

.section-header {
  text-align: center;
  max-width: 720px;
  margin-left: auto;
  margin-right: auto;
  margin-bottom: var(--space-12);
}

.section-header.text-left {
  text-align: left;
  margin-left: 0;
  margin-right: 0;
}

/* ==========================================================================
   Buttons & Links
   ========================================================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.75rem 1.5rem;
  font-size: var(--font-size-sm);
  font-weight: 600;
  line-height: 1.25;
  border-radius: var(--radius-sm);
  transition: all var(--transition-fast);
  white-space: nowrap;
  border: 1px solid transparent;
  text-decoration: none;
}

.btn-primary {
  background-color: var(--color-brand-accent);
  color: #ffffff;
}
.btn-primary:hover {
  background-color: var(--color-brand-accent-hover);
  color: #ffffff;
  transform: translateY(-1px);
  box-shadow: var(--shadow-sm);
}

.btn-secondary {
  background-color: transparent;
  color: var(--color-brand-primary);
  border-color: var(--color-border-strong);
}
.btn-secondary:hover {
  background-color: var(--color-bg-subtle);
  border-color: var(--color-brand-primary);
  color: var(--color-brand-primary);
}

.btn-white {
  background-color: #ffffff;
  color: var(--color-brand-primary);
}
.btn-white:hover {
  background-color: var(--color-bg-subtle);
  color: var(--color-brand-primary);
  box-shadow: var(--shadow-sm);
}

.btn-lg {
  padding: 0.95rem 1.85rem;
  font-size: var(--font-size-base);
}

.btn-group {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-4);
  align-items: center;
}

/* Badges & Pills */
.badge {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  padding: 0.25rem 0.65rem;
  font-size: var(--font-size-xs);
  font-weight: 600;
  border-radius: var(--radius-pill);
  line-height: 1.3;
  white-space: nowrap;
}

.badge-green {
  background-color: var(--color-brand-accent-light);
  color: var(--color-brand-accent);
  border: 1px solid var(--color-brand-accent-border);
}

.badge-amber {
  background-color: var(--color-accent-amber-bg);
  color: var(--color-accent-amber);
  border: 1px solid var(--color-accent-amber-border);
}

.badge-blue {
  background-color: var(--color-accent-blue-bg);
  color: var(--color-accent-blue);
  border: 1px solid var(--color-accent-blue-border);
}

/* ==========================================================================
   Header & Navigation
   ========================================================================== */
.site-header {
  position: sticky;
  top: 0;
  left: 0;
  right: 0;
  height: var(--header-height);
  background-color: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--color-border);
  z-index: 1000;
  display: flex;
  align-items: center;
  transition: box-shadow var(--transition-fast);
}

.site-header.scrolled {
  box-shadow: var(--shadow-sm);
}

.site-header-static {
  position: static;
  top: auto;
}

.header-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
}

.brand-logo {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  font-weight: 800;
  font-size: 1.25rem;
  color: var(--color-brand-primary);
  letter-spacing: -0.02em;
}

.brand-icon-svg {
  width: 32px;
  height: 32px;
  flex-shrink: 0;
}

.brand-name-accent {
  color: var(--color-brand-accent);
}

.main-nav {
  display: flex;
  align-items: center;
  gap: var(--space-8);
}

.nav-links {
  display: flex;
  align-items: center;
  gap: var(--space-6);
}

.nav-link {
  font-size: var(--font-size-sm);
  font-weight: 500;
  color: var(--color-text-muted);
  padding: 0.5rem 0.25rem;
  position: relative;
}

.nav-link:hover,
.nav-link.active {
  color: var(--color-brand-primary);
  font-weight: 600;
}

.nav-link.active::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  right: 0;
  height: 2px;
  background-color: var(--color-brand-accent);
  border-radius: 2px;
}

.mobile-menu-toggle {
  display: none;
  background: none;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  padding: 0.5rem;
  color: var(--color-brand-primary);
  align-items: center;
  justify-content: center;
}

/* ==========================================================================
   Hero Section
   Desktop: 50/50 - Text Left, Image Right
   Mobile: Text First, Image Second
   ========================================================================== */
.hero {
  padding-top: var(--space-12);
  padding-bottom: var(--space-16);
  background: linear-gradient(180deg, #f7fafc 0%, var(--color-bg-body) 100%);
  border-bottom: 1px solid var(--color-border);
  overflow: hidden;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: var(--space-12);
  align-items: center;
}

.hero-content {
  display: flex;
  flex-direction: column;
}

.hero-title {
  font-size: clamp(2.2rem, 4.2vw, 3.4rem);
  letter-spacing: -0.03em;
  margin-bottom: var(--space-4);
  color: var(--color-brand-primary);
}

.hero-subtitle {
  font-size: var(--font-size-lg);
  line-height: var(--line-height-relaxed);
  color: var(--color-text-muted);
  margin-bottom: var(--space-8);
  max-width: 580px;
}

.hero-cta-wrap {
  margin-bottom: var(--space-8);
}

.hero-supporting-points {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-3);
  padding-top: var(--space-6);
  border-top: 1px solid var(--color-border);
}

.supporting-point {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: var(--font-size-sm);
  font-weight: 500;
  color: var(--color-text-main);
}

.supporting-point-icon {
  width: 18px;
  height: 18px;
  color: var(--color-brand-accent);
  flex-shrink: 0;
}

.hero-image-wrap {
  position: relative;
}

.hero-image-card {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--color-border);
  background-color: var(--color-bg-surface);
}

.hero-image {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.hero-image-badge {
  position: absolute;
  bottom: 1.25rem;
  left: 1.25rem;
  right: 1.25rem;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  padding: 0.85rem 1.15rem;
  border-radius: var(--radius-md);
  border: 1px solid var(--color-border);
  display: flex;
  align-items: center;
  justify-content: space-between;
  box-shadow: var(--shadow-sm);
}

.hero-badge-title {
  font-size: var(--font-size-xs);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-text-subtle);
  font-weight: 600;
}

.hero-badge-value {
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--color-brand-primary);
}

/* ==========================================================================
   Loan Amount Highlight ($200 – $5,000)
   ========================================================================== */
.loan-range-section {
  padding: var(--space-12) 0;
  background-color: var(--color-brand-primary);
  color: #ffffff;
}

.loan-range-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  max-width: 820px;
  margin: 0 auto;
}

.loan-range-label {
  font-size: var(--font-size-sm);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: #a7d9c6;
  font-weight: 700;
  margin-bottom: var(--space-2);
}

.loan-range-amount {
  font-size: clamp(2.8rem, 6vw, 4.5rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  color: #ffffff;
  line-height: 1.05;
  margin-bottom: var(--space-4);
}

.loan-range-copy {
  font-size: var(--font-size-base);
  line-height: var(--line-height-relaxed);
  color: #cbd5e1;
  max-width: 640px;
  margin-bottom: var(--space-6);
}

.loan-range-cta-wrap {
  display: flex;
  gap: var(--space-4);
  flex-wrap: wrap;
  justify-content: center;
}

/* ==========================================================================
   Interactive Quick Loan Estimator
   ========================================================================== */
.estimator-container {
  background: var(--color-bg-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-8);
  box-shadow: var(--shadow-md);
  margin-top: calc(var(--space-8) * -1);
  position: relative;
  z-index: 10;
}

.estimator-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: var(--space-8);
  align-items: center;
}

.estimator-controls {
  display: flex;
  flex-direction: column;
  gap: var(--space-6);
}

.estimator-presets {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-2);
}

.preset-btn {
  padding: 0.5rem 1rem;
  border-radius: var(--radius-sm);
  background-color: var(--color-bg-subtle);
  border: 1px solid var(--color-border);
  font-size: var(--font-size-sm);
  font-weight: 600;
  color: var(--color-brand-primary);
  transition: all var(--transition-fast);
}

.preset-btn:hover {
  border-color: var(--color-brand-primary);
  background-color: #ffffff;
}

.preset-btn.active {
  background-color: var(--color-brand-primary);
  border-color: var(--color-brand-primary);
  color: #ffffff;
}

.slider-group {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.slider-header {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
}

.slider-label {
  font-size: var(--font-size-sm);
  font-weight: 600;
  color: var(--color-text-main);
}

.slider-value-display {
  font-size: var(--font-size-2xl);
  font-weight: 800;
  color: var(--color-brand-accent);
}

input[type="range"].range-slider {
  width: 100%;
  height: 8px;
  border-radius: 4px;
  background: var(--color-border);
  outline: none;
  -webkit-appearance: none;
}

input[type="range"].range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--color-brand-accent);
  border: 3px solid #ffffff;
  box-shadow: var(--shadow-sm);
  cursor: pointer;
  transition: transform var(--transition-fast);
}

input[type="range"].range-slider::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}

.slider-range-markers {
  display: flex;
  justify-content: space-between;
  font-size: var(--font-size-xs);
  color: var(--color-text-subtle);
}

.estimator-results-card {
  background: linear-gradient(135deg, var(--color-brand-primary) 0%, var(--color-brand-secondary) 100%);
  color: #ffffff;
  border-radius: var(--radius-md);
  padding: var(--space-6);
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
  box-shadow: var(--shadow-sm);
}

.estimator-result-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-bottom: var(--space-3);
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
  font-size: var(--font-size-sm);
}

.estimator-result-row:last-of-type {
  border-bottom: none;
  padding-bottom: 0;
}

.estimator-result-label {
  color: #cbd5e1;
}

.estimator-result-value {
  font-weight: 700;
  color: #ffffff;
}

.estimator-highlight-payment {
  font-size: 1.85rem;
  font-weight: 800;
  color: #4ade80;
  line-height: 1.1;
}

.estimator-disclaimer {
  font-size: var(--font-size-xs);
  color: #94a3b8;
  line-height: 1.4;
  margin-top: var(--space-2);
  margin-bottom: 0;
}

/* ==========================================================================
   Feature Cards & Grids
   ========================================================================== */
.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-8);
}

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-6);
}

.grid-4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-6);
}

.card {
  background-color: var(--color-bg-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: var(--space-6);
  transition: transform var(--transition-normal), box-shadow var(--transition-normal), border-color var(--transition-normal);
  display: flex;
  flex-direction: column;
  position: relative;
}

.card:hover {
  border-color: var(--color-border-strong);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.card-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-sm);
  background-color: var(--color-brand-accent-light);
  color: var(--color-brand-accent);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-4);
  flex-shrink: 0;
}

.card-title {
  font-size: var(--font-size-lg);
  font-weight: 700;
  color: var(--color-brand-primary);
  margin-bottom: var(--space-2);
}

.card-text {
  font-size: var(--font-size-sm);
  line-height: var(--line-height-normal);
  color: var(--color-text-muted);
  margin-bottom: 0;
}

/* Steps / How It Works */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-6);
  position: relative;
}

.step-card {
  background-color: var(--color-bg-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: var(--space-6);
  position: relative;
  display: flex;
  flex-direction: column;
}

.step-number {
  font-size: var(--font-size-2xl);
  font-weight: 800;
  color: var(--color-brand-accent);
  letter-spacing: -0.02em;
  margin-bottom: var(--space-3);
}

/* Comparison Table */
.table-wrapper {
  width: 100%;
  overflow-x: auto;
  border-radius: var(--radius-md);
  border: 1px solid var(--color-border);
  background-color: var(--color-bg-surface);
  box-shadow: var(--shadow-sm);
}

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
  font-size: var(--font-size-sm);
}

.comparison-table th,
.comparison-table td {
  padding: var(--space-4) var(--space-6);
  border-bottom: 1px solid var(--color-border);
}

.comparison-table th {
  background-color: var(--color-bg-subtle);
  font-weight: 700;
  color: var(--color-brand-primary);
  font-size: var(--font-size-base);
}

.comparison-table tr:last-child td {
  border-bottom: none;
}

.comparison-table td:first-child {
  font-weight: 600;
  color: var(--color-text-main);
  background-color: #fafbfc;
  width: 25%;
}

.comparison-table th:nth-child(2),
.comparison-table td:nth-child(2) {
  background-color: var(--color-brand-accent-light);
  border-left: 2px solid var(--color-brand-accent);
  border-right: 2px solid var(--color-brand-accent);
}

.comparison-table th:nth-child(2) {
  color: var(--color-brand-accent-hover);
}

/* ==========================================================================
   Full Calculator Page / Component
   ========================================================================== */
.calculator-card {
  background-color: var(--color-bg-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-8);
  box-shadow: var(--shadow-md);
}

.calculator-layout {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: var(--space-8);
}

.form-group {
  margin-bottom: var(--space-5);
}

.form-label {
  display: block;
  font-size: var(--font-size-sm);
  font-weight: 600;
  color: var(--color-text-main);
  margin-bottom: var(--space-2);
}

.form-label-helper {
  font-size: var(--font-size-xs);
  color: var(--color-text-subtle);
  font-weight: normal;
  margin-left: 0.25rem;
}

.form-input-wrap {
  position: relative;
  display: flex;
  align-items: center;
}

.form-input-prefix {
  position: absolute;
  left: 1rem;
  color: var(--color-text-subtle);
  font-weight: 600;
  pointer-events: none;
}

.form-input {
  width: 100%;
  padding: 0.75rem 1rem;
  font-size: var(--font-size-base);
  border: 1px solid var(--color-border-strong);
  border-radius: var(--radius-sm);
  background-color: #ffffff;
  color: var(--color-text-main);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}

.form-input.has-prefix {
  padding-left: 2rem;
}

.form-input:focus {
  border-color: var(--color-focus-ring);
  outline: none;
  box-shadow: 0 0 0 3px rgba(15, 118, 82, 0.15);
}

.form-select {
  width: 100%;
  padding: 0.75rem 1rem;
  font-size: var(--font-size-base);
  border: 1px solid var(--color-border-strong);
  border-radius: var(--radius-sm);
  background-color: #ffffff;
  color: var(--color-text-main);
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%23475569' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
}

.form-select:focus {
  border-color: var(--color-focus-ring);
  outline: none;
  box-shadow: 0 0 0 3px rgba(15, 118, 82, 0.15);
}

.calc-summary-box {
  background: var(--color-bg-subtle);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: var(--space-6);
  display: flex;
  flex-direction: column;
  gap: var(--space-5);
}

.calc-summary-item {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding-bottom: var(--space-3);
  border-bottom: 1px solid var(--color-border);
}

.calc-summary-item:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

.calc-item-label {
  font-size: var(--font-size-sm);
  color: var(--color-text-muted);
}

.calc-item-val {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--color-brand-primary);
}

.calc-payment-primary {
  font-size: 2.25rem;
  font-weight: 800;
  color: var(--color-brand-accent);
  line-height: 1;
}

.calc-chart-bar-wrap {
  margin-top: var(--space-4);
}

.calc-bar {
  height: 14px;
  border-radius: var(--radius-pill);
  background-color: var(--color-border);
  display: flex;
  overflow: hidden;
}

.calc-bar-principal {
  background-color: var(--color-brand-accent);
  height: 100%;
}

.calc-bar-interest {
  background-color: var(--color-brand-primary);
  height: 100%;
}

.calc-legend {
  display: flex;
  gap: var(--space-4);
  font-size: var(--font-size-xs);
  color: var(--color-text-subtle);
  margin-top: var(--space-2);
}

.calc-legend-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  display: inline-block;
  margin-right: 4px;
}

/* ==========================================================================
   Accordion & FAQ Component
   ========================================================================== */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.accordion-item {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  background-color: var(--color-bg-surface);
  overflow: hidden;
  transition: border-color var(--transition-fast);
}

.accordion-item.active {
  border-color: var(--color-border-strong);
  box-shadow: var(--shadow-xs);
}

.accordion-header {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  padding: 1.15rem 1.35rem;
  text-align: left;
  font-size: var(--font-size-base);
  font-weight: 600;
  color: var(--color-brand-primary);
  background-color: transparent;
  transition: background-color var(--transition-fast);
}

.accordion-header:hover {
  background-color: var(--color-bg-subtle);
}

.accordion-header:focus-visible {
  outline: 2px solid var(--color-focus-ring);
  outline-offset: -2px;
}

.accordion-icon {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  transition: transform var(--transition-normal);
  color: var(--color-text-subtle);
}

.accordion-item.active .accordion-icon {
  transform: rotate(180deg);
  color: var(--color-brand-accent);
}

.accordion-content {
  padding: 0 1.35rem 1.25rem 1.35rem;
  display: none;
  border-top: 1px solid var(--color-border-subtle);
  padding-top: 1rem;
}

.accordion-item.active .accordion-content {
  display: block;
}

.accordion-content p:last-child {
  margin-bottom: 0;
}

.faq-category-nav {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-2);
  margin-bottom: var(--space-6);
}

.faq-category-btn {
  padding: 0.45rem 0.95rem;
  font-size: var(--font-size-sm);
  font-weight: 600;
  border-radius: var(--radius-pill);
  background-color: var(--color-bg-surface);
  border: 1px solid var(--color-border);
  color: var(--color-text-muted);
  cursor: pointer;
  transition: all var(--transition-fast);
  white-space: nowrap;
}

.faq-category-btn:hover {
  border-color: var(--color-brand-primary);
  color: var(--color-brand-primary);
  background-color: var(--color-bg-subtle);
}

.faq-category-btn.active {
  background-color: var(--color-brand-primary);
  color: #ffffff;
  border-color: var(--color-brand-primary);
}

.faq-section-group {
  margin-bottom: var(--space-8);
}

.faq-section-group.hidden {
  display: none;
}

.faq-empty-state {
  display: none;
  text-align: center;
  padding: var(--space-12) var(--space-4);
  background-color: var(--color-bg-surface);
  border: 1px dashed var(--color-border-strong);
  border-radius: var(--radius-md);
  margin: var(--space-6) 0;
}

.faq-empty-state.visible {
  display: block;
}

/* ==========================================================================
   Education & Informational Layouts
   ========================================================================== */
.info-box {
  padding: var(--space-5);
  border-radius: var(--radius-md);
  margin-bottom: var(--space-6);
  border: 1px solid var(--color-border);
  background-color: var(--color-bg-subtle);
}

.info-box-emerald {
  background-color: var(--color-brand-accent-light);
  border-color: var(--color-brand-accent-border);
  color: var(--color-brand-primary);
}

.info-box-amber {
  background-color: var(--color-accent-amber-bg);
  border-color: var(--color-accent-amber-border);
  color: #78350f;
}

.info-box-title {
  font-weight: 700;
  font-size: var(--font-size-base);
  margin-bottom: var(--space-2);
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.checklist-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-4);
  margin-top: var(--space-6);
}

.checklist-item {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  padding: var(--space-4);
  background-color: var(--color-bg-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
}

.checklist-item-icon {
  width: 22px;
  height: 22px;
  color: var(--color-brand-accent);
  flex-shrink: 0;
  margin-top: 2px;
}

.checklist-item-text {
  font-size: var(--font-size-sm);
  color: var(--color-text-main);
  line-height: var(--line-height-normal);
}

/* Breadcrumbs */
.breadcrumbs {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: var(--font-size-xs);
  color: var(--color-text-subtle);
  margin-bottom: var(--space-6);
  padding-top: var(--space-4);
}

.breadcrumbs a:hover {
  color: var(--color-brand-primary);
  text-decoration: underline;
}

.breadcrumb-separator {
  color: var(--color-border-strong);
}

/* ==========================================================================
   Footer & Disclosures
   ========================================================================== */
.site-footer {
  background-color: var(--color-bg-dark);
  color: var(--color-text-inverse-muted);
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding-top: var(--space-16);
  padding-bottom: var(--space-10);
  font-size: var(--font-size-sm);
}

.footer-top-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: var(--space-8);
  margin-bottom: var(--space-12);
}

.footer-brand {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.footer-brand .brand-logo {
  color: #ffffff;
}

.footer-brand p {
  color: var(--color-text-inverse-muted);
  font-size: var(--font-size-sm);
  max-width: 320px;
}

.footer-heading {
  font-size: var(--font-size-sm);
  font-weight: 700;
  color: #ffffff;
  letter-spacing: 0.04em;
  margin-bottom: var(--space-4);
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.footer-link {
  color: #94a3b8;
  transition: color var(--transition-fast);
}

.footer-link:hover {
  color: #ffffff;
}

.footer-disclosure-block {
  padding: var(--space-6);
  background-color: var(--color-bg-dark-surface);
  border-radius: var(--radius-md);
  border: 1px solid rgba(255, 255, 255, 0.06);
  margin-bottom: var(--space-8);
}

.disclosure-title {
  font-size: var(--font-size-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #cbd5e1;
  margin-bottom: var(--space-2);
}

.disclosure-text {
  font-size: var(--font-size-xs);
  line-height: 1.65;
  color: #94a3b8;
  margin-bottom: var(--space-3);
  max-width: 100%;
}

.disclosure-text:last-child {
  margin-bottom: 0;
}

/* ==========================================================================
   Financial Compliance Disclosures Block
   ========================================================================== */
.compliance-disclosure-box {
  background: #ffffff;
  border: 1px solid var(--color-border-strong);
  border-radius: var(--radius-lg);
  padding: 1.75rem 2rem;
  margin-bottom: 0;
  box-shadow: 0 1px 3px rgba(15, 23, 42, 0.04);
}

.compliance-disclosure-top {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: var(--space-3);
  padding-bottom: var(--space-4);
  border-bottom: 1px solid var(--color-border);
  margin-bottom: var(--space-5);
}

.compliance-disclosure-title {
  font-size: var(--font-size-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-brand-primary);
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin-bottom: 0;
}

.compliance-disclosure-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--color-brand-accent-hover);
  background-color: var(--color-brand-accent-light);
  border: 1px solid var(--color-brand-accent-border);
  padding: 0.2rem 0.65rem;
  border-radius: var(--radius-full);
}

.compliance-disclosure-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.compliance-col {
  display: flex;
  flex-direction: column;
}

@media (min-width: 961px) {
  .compliance-col:not(:last-child) {
    padding-right: 2rem;
    border-right: 1px solid var(--color-border);
  }
}

.compliance-col-header {
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--color-brand-primary);
  margin-bottom: 0.65rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.compliance-col-icon {
  width: 17px;
  height: 17px;
  color: var(--color-brand-accent);
  flex-shrink: 0;
}

.compliance-col p {
  font-size: var(--font-size-xs);
  line-height: 1.65;
  color: var(--color-text-muted);
  max-width: 100%;
  margin-bottom: 0;
}

@media (max-width: 960px) {
  .compliance-disclosure-box {
    padding: 1.5rem;
  }
  .compliance-disclosure-grid {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }
  .compliance-col:not(:last-child) {
    padding-bottom: 1.5rem;
    border-bottom: 1px solid var(--color-border);
  }
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: var(--space-6);
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  font-size: var(--font-size-xs);
  color: #64748b;
  flex-wrap: wrap;
  gap: var(--space-4);
}

/* ==========================================================================
   404 Error Page
   ========================================================================== */
.error-page-wrapper {
  text-align: center;
  padding: var(--space-12) 0;
  max-width: 760px;
  margin: 0 auto;
}

.error-badge-404 {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding: 0.375rem 1rem;
  border-radius: var(--radius-full);
  background: var(--color-brand-accent-light);
  color: var(--color-brand-accent);
  font-size: var(--font-size-sm);
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-bottom: var(--space-4);
}

.error-title-code {
  font-size: clamp(4rem, 12vw, 7.5rem);
  font-weight: 900;
  line-height: 1;
  color: var(--color-brand-primary);
  margin-bottom: var(--space-2);
  letter-spacing: -0.04em;
}

.error-heading {
  font-size: clamp(1.75rem, 4vw, 2.25rem);
  font-weight: 750;
  color: var(--color-text-main);
  margin-bottom: var(--space-4);
}

.error-description {
  font-size: var(--font-size-lg);
  color: var(--color-text-muted);
  max-width: 580px;
  margin: 0 auto var(--space-8);
  line-height: 1.6;
}

.error-actions {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: var(--space-4);
  flex-wrap: wrap;
  margin-bottom: var(--space-12);
}

.error-shortcuts-section {
  text-align: left;
  margin-top: var(--space-10);
  padding-top: var(--space-10);
  border-top: 1px solid var(--color-border);
}

.error-shortcuts-header {
  text-align: center;
  margin-bottom: var(--space-6);
}

.error-shortcuts-title {
  font-size: var(--font-size-lg);
  font-weight: 700;
  color: var(--color-text-main);
}

/* ==========================================================================
   Responsive Breakpoints
   ========================================================================== */
@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: var(--space-8);
  }

  .grid-4 {
    grid-template-columns: repeat(2, 1fr);
  }

  .steps-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .footer-top-grid {
    grid-template-columns: 1fr 1fr;
  }

  .estimator-grid {
    grid-template-columns: 1fr;
  }

  .calculator-layout {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 768px) {
  :root {
    --header-height: 68px;
  }

  .site-header .main-nav {
    position: fixed;
    top: var(--header-height);
    left: 0;
    right: 0;
    background-color: var(--color-bg-surface);
    border-bottom: 1px solid var(--color-border);
    flex-direction: column;
    align-items: stretch;
    padding: var(--space-6);
    box-shadow: var(--shadow-lg);
    display: none;
  }

  .site-header .main-nav.open {
    display: flex;
  }

  .nav-links {
    flex-direction: column;
    align-items: flex-start;
    gap: var(--space-4);
    width: 100%;
  }

  .nav-link {
    width: 100%;
    padding: 0.75rem 0;
    font-size: var(--font-size-base);
    border-bottom: 1px solid var(--color-border-subtle);
  }

  .mobile-menu-toggle {
    display: inline-flex;
  }

  .grid-2,
  .grid-3,
  .checklist-grid {
    grid-template-columns: 1fr;
  }

  .steps-grid {
    grid-template-columns: 1fr;
  }

  .footer-top-grid {
    grid-template-columns: 1fr;
  }

  .btn-group {
    flex-direction: column;
    width: 100%;
  }

  .btn-group .btn {
    width: 100%;
  }

  .hero-supporting-points {
    grid-template-columns: 1fr;
  }

  /* Mobile hero constraint: Text first, image second */
  .hero-grid {
    display: flex;
    flex-direction: column;
  }
  .hero-content {
    order: 1;
  }
  .hero-image-wrap {
    order: 2;
  }
}

/* Reduced Motion */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}