/* ==========================================================================
   Big Picture Loans — UI UX Pro Max Design System
   ========================================================================== */

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

:root {
  /* Color Tokens */
  --primary: #0B526B;
  --primary-dark: #073747;
  --primary-light: #167091;
  --primary-subtle: #EBF4F7;
  --accent: #F2A33A;
  --accent-dark: #D9851D;
  --accent-light: #FDE8CE;
  --text: #172033;
  --text-secondary: #475467;
  --muted: #667085;
  --surface: #F6FAFC;
  --surface-alt: #E9F4F7;
  --white: #FFFFFF;
  --border: #DCE6EA;
  --border-focus: #0B526B;
  --success: #16835B;
  --success-bg: #E8F7F0;
  --warning: #B7791F;
  --warning-bg: #FFF7EB;
  --error: #C0392B;
  --error-bg: #FDEDEC;

  /* Typography */
  --font-family: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Oxygen, Ubuntu, Cantarell, sans-serif;
  --font-size-xs: 0.75rem;     /* 12px */
  --font-size-sm: 0.875rem;    /* 14px */
  --font-size-base: 1rem;      /* 16px */
  --font-size-md: 1.125rem;    /* 18px */
  --font-size-lg: 1.25rem;     /* 20px */
  --font-size-xl: 1.5rem;      /* 24px */
  --font-size-2xl: 1.875rem;   /* 30px */
  --font-size-3xl: 2.25rem;    /* 36px */
  --font-size-4xl: 3rem;       /* 48px */
  --line-height-tight: 1.25;
  --line-height-normal: 1.5;
  --line-height-relaxed: 1.65;

  /* Spacing */
  --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;

  /* Radius */
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 14px;
  --radius-xl: 20px;
  --radius-full: 9999px;

  /* Shadows */
  --shadow-xs: 0 1px 2px rgba(16, 24, 40, 0.04);
  --shadow-sm: 0 2px 4px rgba(16, 24, 40, 0.06), 0 1px 2px rgba(16, 24, 40, 0.04);
  --shadow-md: 0 6px 16px rgba(11, 82, 107, 0.08), 0 2px 6px rgba(16, 24, 40, 0.04);
  --shadow-lg: 0 16px 32px rgba(11, 82, 107, 0.12), 0 4px 8px rgba(16, 24, 40, 0.04);

  /* Transitions */
  --transition-fast: 150ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-normal: 250ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-slow: 350ms cubic-bezier(0.4, 0, 0.2, 1);
}

/* Reset & Box Sizing */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

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

body {
  font-family: var(--font-family);
  font-size: var(--font-size-base);
  line-height: var(--line-height-relaxed);
  color: var(--text);
  background-color: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

body.nav-open {
  overflow: hidden;
}

/* Skip to Content */
.skip-link {
  position: absolute;
  top: -100px;
  left: var(--space-4);
  background: var(--primary-dark);
  color: var(--white);
  padding: var(--space-3) var(--space-6);
  border-radius: var(--radius-sm);
  font-weight: 600;
  text-decoration: none;
  z-index: 99999;
  transition: top var(--transition-fast);
}

.skip-link:focus {
  top: var(--space-4);
  outline: 3px solid var(--accent);
  outline-offset: 2px;
}

/* Typography Defaults */
h1, h2, h3, h4, h5, h6 {
  color: var(--text);
  font-weight: 700;
  line-height: var(--line-height-tight);
}

h1 { font-size: var(--font-size-3xl); letter-spacing: -0.02em; }
h2 { font-size: var(--font-size-2xl); letter-spacing: -0.015em; }
h3 { font-size: var(--font-size-xl); }
h4 { font-size: var(--font-size-lg); }

@media (min-width: 768px) {
  h1 { font-size: var(--font-size-4xl); }
  h2 { font-size: var(--font-size-3xl); }
}

p {
  color: var(--text-secondary);
  margin-bottom: var(--space-4);
}

p:last-child {
  margin-bottom: 0;
}

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

a:hover {
  color: var(--primary-dark);
}

a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible {
  outline: 3px solid var(--primary-light);
  outline-offset: 2px;
}

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

/* Containers & Layout Grid */
.container {
  width: 100%;
  max-width: 1200px;
  margin-left: auto;
  margin-right: auto;
  padding-left: var(--space-6);
  padding-right: var(--space-6);
}

.container-narrow {
  max-width: 860px;
}

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

.section-alt {
  background-color: var(--surface);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.section-primary {
  background-color: var(--primary-dark);
  color: var(--white);
}

.section-header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto var(--space-12);
}

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

.eyebrow {
  display: inline-block;
  font-size: var(--font-size-xs);
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--primary);
  margin-bottom: var(--space-3);
  padding: 4px 12px;
  background-color: var(--surface-alt);
  border-radius: var(--radius-full);
}

.eyebrow-light {
  background-color: rgba(255, 255, 255, 0.15);
  color: var(--accent-light);
}

.section-subtitle {
  font-size: var(--font-size-md);
  color: var(--text-secondary);
  margin-top: var(--space-3);
}

.section-primary .section-subtitle {
  color: #D3E4EA;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  padding: 12px 24px;
  font-size: var(--font-size-base);
  font-weight: 600;
  line-height: 1;
  white-space: nowrap;
  border-radius: var(--radius-md);
  border: 1px solid transparent;
  cursor: pointer;
  transition: all var(--transition-fast);
  text-decoration: none;
  min-height: 48px;
}

.btn-primary {
  background-color: var(--primary);
  color: var(--white);
  box-shadow: var(--shadow-sm);
}

.btn-primary:hover {
  background-color: var(--primary-dark);
  color: var(--white);
  box-shadow: var(--shadow-md);
  transform: translateY(-1px);
}

.btn-accent {
  background-color: var(--accent);
  color: #2D1A02;
  font-weight: 700;
  box-shadow: 0 4px 12px rgba(242, 163, 58, 0.3);
}

.btn-accent:hover {
  background-color: var(--accent-dark);
  color: var(--white);
  box-shadow: 0 6px 16px rgba(217, 133, 29, 0.4);
  transform: translateY(-1px);
}

.btn-secondary {
  background-color: var(--white);
  color: var(--primary);
  border-color: var(--border);
}

.btn-secondary:hover {
  background-color: var(--surface);
  border-color: var(--primary-light);
  color: var(--primary-dark);
}

.btn-ghost {
  background-color: transparent;
  color: var(--primary);
}

.btn-ghost:hover {
  background-color: var(--surface-alt);
}

.btn-sm {
  padding: 8px 16px;
  font-size: var(--font-size-sm);
  min-height: 40px;
}

.btn-lg {
  padding: 16px 32px;
  font-size: var(--font-size-md);
  min-height: 54px;
}

.btn-block {
  width: 100%;
}

/* Header & Sticky Nav */
.site-header {
  position: sticky;
  top: 0;
  left: 0;
  right: 0;
  background-color: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  z-index: 1000;
  transition: all var(--transition-normal);
}

.site-header.is-static,
.site-header.header-static {
  position: static;
  box-shadow: none !important;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}

.site-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: var(--font-size-lg);
  font-weight: 800;
  color: var(--primary-dark);
  text-decoration: none;
  letter-spacing: -0.02em;
}

.logo-icon {
  width: 36px;
  height: 36px;
  border-radius: 8px;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  color: var(--accent);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 2px 6px rgba(11, 82, 107, 0.2);
}

.nav-desktop {
  display: none;
}

@media (min-width: 992px) {
  .nav-desktop {
    display: flex;
    align-items: center;
    gap: var(--space-8);
  }

  .nav-links {
    display: flex;
    align-items: center;
    gap: var(--space-6);
    list-style: none;
  }

  .nav-link {
    font-size: var(--font-size-sm);
    font-weight: 600;
    color: var(--text-secondary);
    padding: var(--space-2) 0;
    position: relative;
    transition: color var(--transition-fast);
  }

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

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

.nav-toggle-btn {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 44px;
  height: 44px;
  background: transparent;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 10px;
  cursor: pointer;
  color: var(--text);
  z-index: 1002;
}

@media (min-width: 992px) {
  .nav-toggle-btn {
    display: none;
  }
}

.nav-toggle-bar {
  width: 100%;
  height: 2px;
  background-color: var(--text);
  border-radius: 2px;
  transition: transform var(--transition-fast), opacity var(--transition-fast);
}

.nav-toggle-btn[aria-expanded="true"] .nav-toggle-bar:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.nav-toggle-btn[aria-expanded="true"] .nav-toggle-bar:nth-child(2) {
  opacity: 0;
}

.nav-toggle-btn[aria-expanded="true"] .nav-toggle-bar:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

/* Mobile Drawer Navigation */
.mobile-nav-drawer {
  position: fixed;
  top: 76px;
  left: 0;
  right: 0;
  bottom: 0;
  background-color: var(--white);
  padding: var(--space-8) var(--space-6);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  transform: translateX(100%);
  transition: transform var(--transition-normal);
  z-index: 1001;
  overflow-y: auto;
  border-top: 1px solid var(--border);
}

.mobile-nav-drawer.is-open {
  transform: translateX(0);
}

.mobile-nav-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}

.mobile-nav-link {
  display: block;
  font-size: var(--font-size-lg);
  font-weight: 600;
  color: var(--text);
  padding: var(--space-3) 0;
  border-bottom: 1px solid var(--border);
}

.mobile-nav-link.active {
  color: var(--primary);
  font-weight: 700;
}

/* ==========================================================================
   HOMEPAGE HERO SECTION — MANDATORY IMAGE RIGHT ON DESKTOP
   ========================================================================== */
.hero-section {
  position: relative;
  padding-top: var(--space-12);
  padding-bottom: var(--space-16);
  background: linear-gradient(180deg, var(--surface) 0%, var(--white) 100%);
  overflow: hidden;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-10);
  align-items: center;
}

@media (min-width: 992px) {
  .hero-grid {
    grid-template-columns: 52% 48%;
    gap: var(--space-12);
  }
}

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

.hero-title {
  margin-top: var(--space-3);
  margin-bottom: var(--space-4);
  color: var(--primary-dark);
}

.hero-description {
  font-size: var(--font-size-md);
  color: var(--text-secondary);
  line-height: var(--line-height-relaxed);
  margin-bottom: var(--space-6);
}

.hero-cta-group {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-3);
  margin-bottom: var(--space-6);
}

.hero-trust-bullets {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-2);
  margin-bottom: var(--space-8);
  list-style: none;
}

@media (min-width: 576px) {
  .hero-trust-bullets {
    grid-template-columns: 1fr 1fr;
  }
}

.hero-bullet-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: var(--font-size-sm);
  font-weight: 500;
  color: var(--text-secondary);
}

.hero-bullet-item svg {
  color: var(--success);
  flex-shrink: 0;
}

/* Loan Selector Box (In Hero or Calculator) */
.loan-selector-box {
  background-color: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: var(--space-5);
  box-shadow: var(--shadow-sm);
  margin-top: var(--space-2);
}

.selector-label {
  font-size: var(--font-size-sm);
  font-weight: 700;
  color: var(--text);
  margin-bottom: var(--space-3);
}

.amount-presets {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: var(--space-4);
}

.preset-chip {
  padding: 8px 14px;
  font-size: var(--font-size-sm);
  font-weight: 600;
  border-radius: var(--radius-full);
  border: 1px solid var(--border);
  background-color: var(--surface);
  color: var(--text-secondary);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.preset-chip:hover {
  background-color: var(--surface-alt);
  border-color: var(--primary-light);
  color: var(--primary);
}

.preset-chip.active {
  background-color: var(--primary);
  border-color: var(--primary);
  color: var(--white);
}

.range-slider-wrap {
  margin-bottom: var(--space-3);
}

.range-slider {
  width: 100%;
  height: 8px;
  border-radius: 4px;
  background: var(--border);
  outline: none;
  -webkit-appearance: none;
}

.range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--primary);
  border: 3px solid var(--white);
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.2);
  cursor: pointer;
  transition: transform var(--transition-fast);
}

.range-slider::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}

.range-slider::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--primary);
  border: 3px solid var(--white);
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.2);
  cursor: pointer;
}

.selector-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: var(--font-size-xs);
  color: var(--muted);
  margin-top: var(--space-2);
}

.selector-disclaimer {
  font-size: var(--font-size-xs);
  color: var(--muted);
  margin-top: var(--space-3);
  line-height: 1.4;
}

/* Right Side Hero Image */
.hero-image-col {
  position: relative;
}

.hero-image-wrap {
  position: relative;
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
  background-color: var(--surface-alt);
  aspect-ratio: 4 / 3;
}

.hero-image-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero-floating-badge {
  position: absolute;
  bottom: 20px;
  left: 20px;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(8px);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 12px 18px;
  box-shadow: var(--shadow-md);
  display: flex;
  align-items: center;
  gap: 12px;
}

.badge-icon-box {
  width: 38px;
  height: 38px;
  border-radius: 8px;
  background-color: var(--surface-alt);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.badge-title {
  font-size: var(--font-size-xs);
  font-weight: 700;
  text-transform: uppercase;
  color: var(--muted);
  letter-spacing: 0.05em;
}

.badge-subtitle {
  font-size: var(--font-size-sm);
  font-weight: 700;
  color: var(--primary-dark);
}

/* ==========================================================================
   FEATURE CARDS & BENEFIT SECTIONS
   ========================================================================== */
.card-grid-4 {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-6);
}

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

@media (min-width: 1024px) {
  .card-grid-4 {
    grid-template-columns: repeat(4, 1fr);
  }
}

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

@media (min-width: 768px) {
  .card-grid-3 {
    grid-template-columns: repeat(3, 1fr);
  }
}

.card-grid-2 {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-8);
}

@media (min-width: 768px) {
  .card-grid-2 {
    grid-template-columns: repeat(2, 1fr);
  }
}

.feature-card {
  background-color: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  transition: transform var(--transition-fast), box-shadow var(--transition-fast);
  display: flex;
  flex-direction: column;
}

.feature-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-color: #B9D0D8;
}

.card-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-md);
  background-color: var(--surface-alt);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-4);
}

.feature-card h3 {
  font-size: var(--font-size-lg);
  margin-bottom: var(--space-2);
  color: var(--primary-dark);
}

.feature-card p {
  font-size: var(--font-size-sm);
  color: var(--text-secondary);
  line-height: var(--line-height-relaxed);
}

/* Step Cards */
.step-card {
  background-color: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: var(--space-8) var(--space-6);
  position: relative;
  display: flex;
  flex-direction: column;
  box-shadow: var(--shadow-xs);
}

.step-number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: var(--radius-md);
  background-color: var(--primary);
  color: var(--white);
  font-weight: 800;
  font-size: var(--font-size-md);
  margin-bottom: var(--space-5);
}

.step-card h3 {
  font-size: var(--font-size-lg);
  margin-bottom: var(--space-3);
  color: var(--primary-dark);
}

.step-card p {
  font-size: var(--font-size-sm);
  color: var(--text-secondary);
}

/* Loan Purpose Cards */
.purpose-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
  gap: var(--space-5);
}

.purpose-card {
  background-color: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: var(--space-5);
  display: flex;
  align-items: flex-start;
  gap: var(--space-4);
  transition: all var(--transition-fast);
}

.purpose-card:hover {
  border-color: var(--primary);
  box-shadow: var(--shadow-sm);
  background-color: var(--surface);
}

.purpose-icon {
  width: 40px;
  height: 40px;
  border-radius: 8px;
  background-color: var(--surface-alt);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.purpose-card h3 {
  font-size: var(--font-size-base);
  margin-bottom: 4px;
  color: var(--text);
}

.purpose-card p {
  font-size: var(--font-size-xs);
  color: var(--muted);
  line-height: 1.4;
}

/* Definition List & Comparison */
.terms-glossary-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-4);
}

@media (min-width: 768px) {
  .terms-glossary-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

.term-item {
  background-color: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: var(--space-4) var(--space-5);
}

.term-title {
  font-size: var(--font-size-base);
  font-weight: 700;
  color: var(--primary-dark);
  margin-bottom: 4px;
}

.term-desc {
  font-size: var(--font-size-sm);
  color: var(--text-secondary);
}

/* Comparison Table */
.table-responsive {
  overflow-x: auto;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  background-color: var(--white);
  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-5);
  border-bottom: 1px solid var(--border);
}

.comparison-table th {
  background-color: var(--surface-alt);
  font-weight: 700;
  color: var(--primary-dark);
}

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

.comparison-table tr:hover td {
  background-color: var(--surface);
}

/* ==========================================================================
   INSTALLMENT LOAN CALCULATOR
   ========================================================================== */
.calc-wrapper {
  background-color: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-md);
  overflow: hidden;
}

.calc-grid {
  display: grid;
  grid-template-columns: 1fr;
}

@media (min-width: 880px) {
  .calc-grid {
    grid-template-columns: 1.2fr 1fr;
  }
}

.calc-inputs-pane {
  padding: var(--space-8);
}

.calc-results-pane {
  background: linear-gradient(145deg, var(--primary-dark) 0%, var(--primary) 100%);
  color: var(--white);
  padding: var(--space-8);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.form-group {
  margin-bottom: var(--space-6);
}

.form-group:last-child {
  margin-bottom: 0;
}

.form-label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: var(--font-size-sm);
  font-weight: 700;
  color: var(--text);
  margin-bottom: var(--space-2);
}

.form-label-val {
  color: var(--primary);
  font-size: var(--font-size-md);
}

.input-control {
  width: 100%;
  padding: 12px 16px;
  font-family: var(--font-family);
  font-size: var(--font-size-base);
  color: var(--text);
  background-color: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  transition: all var(--transition-fast);
}

.input-control:focus {
  background-color: var(--white);
  border-color: var(--primary);
  outline: none;
  box-shadow: 0 0 0 3px rgba(11, 82, 107, 0.15);
}

.input-with-prefix {
  position: relative;
  display: flex;
  align-items: center;
}

.input-prefix {
  position: absolute;
  left: 16px;
  font-weight: 600;
  color: var(--muted);
}

.input-with-prefix .input-control {
  padding-left: 32px;
}

.segmented-control {
  display: flex;
  background-color: var(--surface-alt);
  border-radius: var(--radius-md);
  padding: 4px;
  gap: 4px;
}

.segmented-btn {
  flex: 1;
  padding: 8px 12px;
  font-size: var(--font-size-sm);
  font-weight: 600;
  border: none;
  border-radius: var(--radius-sm);
  background: transparent;
  color: var(--text-secondary);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.segmented-btn.active {
  background-color: var(--white);
  color: var(--primary);
  box-shadow: var(--shadow-xs);
}

/* Results Display */
.result-highlight-card {
  background: rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(4px);
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  text-align: center;
  margin-bottom: var(--space-6);
}

.result-label {
  font-size: var(--font-size-sm);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--accent-light);
  font-weight: 600;
  margin-bottom: var(--space-2);
}

.result-main-number {
  font-size: 2.75rem;
  font-weight: 800;
  line-height: 1.1;
  color: var(--white);
}

.result-breakdown-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  margin-bottom: var(--space-6);
}

.result-breakdown-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: var(--font-size-sm);
  padding-bottom: var(--space-2);
  border-bottom: 1px solid rgba(255, 255, 255, 0.15);
}

.result-breakdown-item span:first-child {
  color: #D3E4EA;
}

.result-breakdown-item span:last-child {
  font-weight: 700;
  color: var(--white);
}

.calc-disclaimer {
  font-size: var(--font-size-xs);
  color: #B2D2DE;
  line-height: 1.4;
  margin-top: var(--space-4);
}

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

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

.faq-item.is-open {
  border-color: var(--primary-light);
  box-shadow: var(--shadow-sm);
}

.faq-trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--space-5) var(--space-6);
  font-family: var(--font-family);
  font-size: var(--font-size-base);
  font-weight: 700;
  color: var(--primary-dark);
  background: transparent;
  border: none;
  text-align: left;
  cursor: pointer;
  gap: var(--space-4);
}

.faq-trigger:hover {
  background-color: var(--surface);
}

.faq-chevron {
  width: 20px;
  height: 20px;
  color: var(--primary);
  flex-shrink: 0;
  transition: transform var(--transition-fast);
}

.faq-item.is-open .faq-chevron {
  transform: rotate(180deg);
}

.faq-panel {
  display: none;
  padding: 0 var(--space-6) var(--space-5);
  font-size: var(--font-size-sm);
  color: var(--text-secondary);
  line-height: var(--line-height-relaxed);
}

.faq-item.is-open .faq-panel {
  display: block;
}

/* ==========================================================================
   MULTI-STEP APPLICATION WIZARD (DEMO)
   ========================================================================== */
.wizard-card {
  background-color: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  box-shadow: var(--shadow-md);
  max-width: 720px;
  margin: 0 auto;
}

.wizard-progress {
  display: flex;
  justify-content: space-between;
  position: relative;
  margin-bottom: var(--space-8);
}

.wizard-progress::before {
  content: '';
  position: absolute;
  top: 18px;
  left: 30px;
  right: 30px;
  height: 2px;
  background-color: var(--border);
  z-index: 1;
}

.wizard-progress-bar {
  position: absolute;
  top: 18px;
  left: 30px;
  height: 2px;
  background-color: var(--primary);
  z-index: 2;
  transition: width var(--transition-normal);
}

.step-indicator {
  position: relative;
  z-index: 3;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
}

.step-dot {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background-color: var(--surface);
  border: 2px solid var(--border);
  color: var(--muted);
  font-weight: 700;
  font-size: var(--font-size-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all var(--transition-fast);
}

.step-indicator.active .step-dot {
  background-color: var(--primary);
  border-color: var(--primary);
  color: var(--white);
}

.step-indicator.completed .step-dot {
  background-color: var(--success);
  border-color: var(--success);
  color: var(--white);
}

.step-label {
  font-size: var(--font-size-xs);
  font-weight: 600;
  color: var(--muted);
}

.step-indicator.active .step-label {
  color: var(--primary);
}

.wizard-step {
  display: none;
}

.wizard-step.active {
  display: block;
  animation: fadeIn 250ms ease;
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(6px); }
  to { opacity: 1; transform: translateY(0); }
}

.wizard-actions {
  display: flex;
  justify-content: space-between;
  margin-top: var(--space-8);
  padding-top: var(--space-6);
  border-top: 1px solid var(--border);
}

.demo-banner {
  background-color: var(--warning-bg);
  border: 1px solid var(--warning);
  color: #784E07;
  padding: 12px 16px;
  border-radius: var(--radius-md);
  font-size: var(--font-size-xs);
  font-weight: 600;
  margin-bottom: var(--space-6);
  display: flex;
  align-items: center;
  gap: 8px;
}

/* ==========================================================================
   DISCLOSURES & RESPONSIBLE BORROWING BOXES
   ========================================================================== */
.disclosure-box {
  background-color: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  margin-top: var(--space-8);
  font-size: var(--font-size-xs);
  color: var(--muted);
  line-height: var(--line-height-relaxed);
}

.disclosure-title {
  font-size: var(--font-size-sm);
  font-weight: 700;
  color: var(--text);
  margin-bottom: var(--space-2);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.responsible-checklist {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.responsible-item {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  font-size: var(--font-size-sm);
  color: var(--text);
}

.responsible-item svg {
  color: var(--primary);
  flex-shrink: 0;
  margin-top: 3px;
}

/* ==========================================================================
   FOOTER
   ========================================================================== */
.site-footer {
  background-color: var(--primary-dark);
  color: #D3E4EA;
  padding-top: var(--space-16);
  padding-bottom: var(--space-10);
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-10);
  margin-bottom: var(--space-12);
}

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

@media (min-width: 1024px) {
  .footer-grid {
    grid-template-columns: 2fr 1fr 1fr 1fr;
  }
}

.footer-brand p {
  color: #A3C5D2;
  font-size: var(--font-size-sm);
  margin-top: var(--space-3);
  max-width: 320px;
}

.footer-heading {
  color: var(--white);
  font-size: var(--font-size-base);
  font-weight: 700;
  margin-bottom: var(--space-4);
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}

.footer-link {
  color: #B9D7E3;
  font-size: var(--font-size-sm);
  transition: color var(--transition-fast);
}

.footer-link:hover {
  color: var(--accent-light);
}

.footer-bottom {
  padding-top: var(--space-8);
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
  font-size: var(--font-size-xs);
  color: #8EAEBC;
}

@media (min-width: 768px) {
  .footer-bottom {
    flex-direction: row;
    justify-content: space-between;
    align-items: center;
  }
}

/* ==========================================================================
   RESPONSIVE UTILITIES
   ========================================================================== */
.hide-on-mobile {
  display: none !important;
}

@media (min-width: 640px) {
  .hide-on-mobile {
    display: inline-flex !important;
  }
}

/* ==========================================================================
   ACCESSIBILITY & PREFERS 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;
  }
}

/* ==========================================================================
   404 NOT FOUND PAGE STYLES
   ========================================================================== */
.error-page-wrapper {
  padding: var(--space-16) 0 var(--space-20);
  min-height: 65vh;
  display: flex;
  align-items: center;
}

.error-card {
  background-color: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-2xl);
  padding: var(--space-10) var(--space-6);
  box-shadow: var(--shadow-lg);
  text-align: center;
  max-width: 820px;
  margin: 0 auto;
}

@media (min-width: 768px) {
  .error-card {
    padding: var(--space-16) var(--space-12);
  }
}

.error-badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding: 6px 14px;
  background-color: var(--primary-subtle);
  color: var(--primary-dark);
  font-size: var(--font-size-sm);
  font-weight: 700;
  border-radius: var(--radius-full);
  margin-bottom: var(--space-6);
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.error-big-number {
  font-size: clamp(4rem, 12vw, 7.5rem);
  font-weight: 800;
  line-height: 1;
  color: var(--primary);
  margin-bottom: var(--space-4);
  letter-spacing: -0.04em;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-3);
}

.error-title {
  font-size: clamp(var(--font-size-2xl), 4vw, var(--font-size-3xl));
  font-weight: 800;
  color: var(--text);
  margin-bottom: var(--space-4);
  line-height: var(--line-height-tight);
}

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

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

@media (min-width: 640px) {
  .error-actions {
    flex-direction: row;
  }
}

.error-divider {
  height: 1px;
  background-color: var(--border);
  margin: var(--space-8) 0;
}

.error-links-section-title {
  font-size: var(--font-size-sm);
  font-weight: 700;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: var(--space-6);
}

.error-suggested-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-4);
  text-align: left;
}

@media (min-width: 640px) {
  .error-suggested-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 768px) {
  .error-suggested-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.error-suggested-item {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  padding: var(--space-4);
  background-color: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  color: var(--text);
  text-decoration: none;
  transition: all var(--transition-fast);
}

.error-suggested-item:hover {
  background-color: var(--surface-alt);
  border-color: var(--primary-light);
  transform: translateY(-2px);
  box-shadow: var(--shadow-sm);
}

.error-item-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: var(--radius-md);
  background-color: var(--white);
  color: var(--primary);
  flex-shrink: 0;
  box-shadow: var(--shadow-sm);
}

.error-item-title {
  font-weight: 700;
  font-size: var(--font-size-sm);
  color: var(--text);
  margin-bottom: 2px;
}

.error-item-desc {
  font-size: var(--font-size-xs);
  color: var(--muted);
  line-height: var(--line-height-normal);
}

/* Focus styles */
:focus-visible {
  outline: 3px solid var(--accent);
  outline-offset: 2px;
}