/* ==========================================================================
   Clear Air Lending - Next-Gen Modern Fintech Design System
   Domain: clearairslending.com
   ========================================================================== */

:root {
  /* Brand Palette - Clear Air & Oceanic Slate */
  --brand-sky: #0284C7;
  --brand-sky-light: #38BDF8;
  --brand-sky-subtle: #F0F9FF;
  --brand-sky-hover: #0369A1;
  
  --brand-cyan: #06B6D4;
  --brand-cyan-light: #ECFEFF;
  
  --brand-navy: #0A192F;
  --brand-navy-light: #1E293B;
  --brand-navy-card: #0F172A;
  
  --primary: #0284C7;
  --primary-dark: #0A192F;
  --primary-light: #0EA5E9;
  --primary-subtle: #E0F2FE;
  
  --accent: #F59E0B;
  --accent-dark: #D97706;
  --accent-light: #FFFBEB;
  
  --success: #10B981;
  --success-dark: #059669;
  --success-bg: #ECFDF5;
  --success-border: #A7F3D0;
  
  --text: #0F172A;
  --text-secondary: #475569;
  --text-muted: #64748B;
  --text-light: #94A3B8;
  
  --surface: #F8FAFC;
  --surface-alt: #F1F5F9;
  --surface-white: #FFFFFF;
  --white: #FFFFFF;
  
  --border: #E2E8F0;
  --border-light: #F1F5F9;
  --border-focus: #0284C7;
  
  /* Elevative Shadows - Soft & Optical */
  --shadow-xs: 0 1px 2px 0 rgba(15, 23, 42, 0.04);
  --shadow-sm: 0 2px 8px -2px rgba(15, 23, 42, 0.06), 0 1px 4px -1px rgba(15, 23, 42, 0.04);
  --shadow-md: 0 12px 24px -6px rgba(15, 23, 42, 0.08), 0 4px 8px -2px rgba(15, 23, 42, 0.04);
  --shadow-lg: 0 20px 35px -8px rgba(15, 23, 42, 0.10), 0 8px 16px -4px rgba(15, 23, 42, 0.05);
  --shadow-xl: 0 28px 60px -12px rgba(15, 23, 42, 0.14);
  --shadow-glow: 0 0 25px rgba(2, 132, 199, 0.25);
  
  /* Radii */
  --radius-xs: 6px;
  --radius-sm: 10px;
  --radius-md: 16px;
  --radius-lg: 24px;
  --radius-xl: 32px;
  --radius-pill: 9999px;
  
  /* Typography */
  --font-family: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
  --font-heading: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  
  /* Transitions */
  --transition-fast: all 0.15s cubic-bezier(0.4, 0, 0.2, 1);
  --transition-base: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
  --transition-smooth: all 0.35s cubic-bezier(0.16, 1, 0.3, 1);
  
  /* Layout constraints */
  --max-width: 1200px;
  --header-height: 80px;
}

/* Reset & Base Styles */
*, *::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);
  background-color: var(--surface);
  color: var(--text);
  line-height: 1.6;
  font-weight: 400;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

/* Typography Scale */
h1, .h1 {
  font-family: var(--font-heading);
  font-size: clamp(2.25rem, 4.5vw, 3.5rem);
  line-height: 1.15;
  font-weight: 800;
  letter-spacing: -0.03em;
  color: var(--brand-navy);
}

h2, .h2 {
  font-family: var(--font-heading);
  font-size: clamp(1.75rem, 3vw, 2.35rem);
  line-height: 1.25;
  font-weight: 700;
  letter-spacing: -0.025em;
  color: var(--brand-navy);
}

h3, .h3 {
  font-family: var(--font-heading);
  font-size: clamp(1.25rem, 2.2vw, 1.5rem);
  line-height: 1.35;
  font-weight: 700;
  letter-spacing: -0.015em;
  color: var(--brand-navy);
}

h4, .h4 {
  font-size: clamp(1.05rem, 1.8vw, 1.2rem);
  line-height: 1.4;
  font-weight: 600;
  color: var(--brand-navy);
}

p {
  color: var(--text-secondary);
  font-size: 1rem;
  line-height: 1.65;
}

.text-lead {
  font-size: clamp(1.05rem, 1.6vw, 1.18rem);
  line-height: 1.6;
  color: var(--text-secondary);
}

.text-sm {
  font-size: 0.875rem;
  line-height: 1.5;
}

.text-xs {
  font-size: 0.75rem;
  line-height: 1.4;
}

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

a:hover {
  color: var(--brand-sky-hover);
}

/* Accessibility Focus States */
:focus-visible {
  outline: 2.5px solid var(--primary);
  outline-offset: 3px;
  border-radius: 4px;
}

/* Layout Utilities */
.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 1.5rem;
}

.section {
  padding: 5rem 0;
  position: relative;
}

.section-sm {
  padding: 3rem 0;
  position: relative;
}

.section-bg-alt {
  background-color: var(--surface-white);
}

.section-bg-sky {
  background: linear-gradient(180deg, var(--brand-sky-subtle) 0%, var(--surface) 100%);
}

.section-bg-navy {
  background: var(--brand-navy);
  color: var(--white);
}

.section-bg-navy h2,
.section-bg-navy h3,
.section-bg-navy h4 {
  color: var(--white);
}

.section-bg-navy p {
  color: #94A3B8;
}

.section-header {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 3.5rem auto;
}

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

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--brand-sky);
  background-color: var(--brand-sky-subtle);
  border: 1px solid rgba(2, 132, 199, 0.15);
  padding: 0.35rem 0.85rem;
  border-radius: var(--radius-pill);
  margin-bottom: 1rem;
}

.eyebrow-accent {
  color: var(--accent-dark);
  background-color: var(--accent-light);
  border-color: rgba(245, 158, 11, 0.2);
}

.eyebrow-white {
  color: #38BDF8;
  background-color: rgba(56, 189, 248, 0.12);
  border-color: rgba(56, 189, 248, 0.25);
}

/* ==========================================================================
   Header & Navigation
   ========================================================================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background-color: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  height: var(--header-height);
  display: flex;
  align-items: center;
  transition: var(--transition-base);
}

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

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

.brand-logo {
  display: inline-flex;
  align-items: center;
  gap: 0.75rem;
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.28rem;
  color: var(--brand-navy);
  text-decoration: none;
  letter-spacing: -0.02em;
}

.brand-logo-icon {
  width: 38px;
  height: 38px;
  background: linear-gradient(135deg, #0284C7 0%, #06B6D4 100%);
  color: var(--white);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 12px rgba(2, 132, 199, 0.25);
  flex-shrink: 0;
  transition: var(--transition-base);
}

.brand-logo:hover .brand-logo-icon {
  transform: translateY(-1px) scale(1.03);
  box-shadow: 0 6px 16px rgba(2, 132, 199, 0.35);
}

.brand-name {
  display: flex;
  flex-direction: column;
}

.brand-title {
  line-height: 1.1;
  font-weight: 800;
  color: var(--brand-navy);
}

.brand-tagline {
  font-size: 0.65rem;
  font-weight: 600;
  color: var(--text-muted);
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 1.75rem;
  list-style: none;
}

.nav-link {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--text-secondary);
  padding: 0.5rem 0;
  position: relative;
  transition: var(--transition-fast);
}

.nav-link:hover {
  color: var(--brand-sky);
}

.nav-link.active {
  color: var(--brand-sky);
}

.nav-link.active::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 2.5px;
  background-color: var(--brand-sky);
  border-radius: var(--radius-pill);
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.mobile-nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.5rem;
  color: var(--brand-navy);
  border-radius: var(--radius-sm);
  transition: var(--transition-fast);
}

.mobile-nav-toggle:hover {
  background-color: var(--surface-alt);
}

/* ==========================================================================
   Buttons System
   ========================================================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-family: var(--font-family);
  font-size: 0.9375rem;
  font-weight: 700;
  padding: 0.75rem 1.6rem;
  border-radius: var(--radius-pill);
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: var(--transition-base);
  text-decoration: none;
  white-space: nowrap;
}

.btn-lg {
  padding: 0.95rem 2.2rem;
  font-size: 1.05rem;
}

.btn-sm {
  padding: 0.5rem 1.2rem;
  font-size: 0.875rem;
}

.btn-primary, .btn-accent {
  background: linear-gradient(135deg, #0284C7 0%, #0369A1 100%);
  color: var(--white);
  box-shadow: 0 6px 18px -3px rgba(2, 132, 199, 0.35);
}

.btn-primary:hover, .btn-accent:hover {
  background: linear-gradient(135deg, #0369A1 0%, #075985 100%);
  color: var(--white);
  transform: translateY(-1.5px);
  box-shadow: 0 10px 22px -3px rgba(2, 132, 199, 0.45);
}

.btn-outline {
  background-color: var(--surface-white);
  border-color: var(--border);
  color: var(--brand-navy);
  box-shadow: var(--shadow-xs);
}

.btn-outline:hover {
  border-color: var(--brand-sky);
  background-color: var(--brand-sky-subtle);
  color: var(--brand-sky);
  transform: translateY(-1.5px);
}

.btn-outline-white {
  background-color: transparent;
  border-color: rgba(255, 255, 255, 0.35);
  color: var(--white);
}

.btn-outline-white:hover {
  border-color: var(--white);
  background-color: rgba(255, 255, 255, 0.12);
  color: var(--white);
  transform: translateY(-1.5px);
}

.btn-block {
  width: 100%;
}

/* ==========================================================================
   Hero Section & Interactive Visuals
   ========================================================================== */
.hero {
  position: relative;
  padding: 4.5rem 0 5.5rem 0;
  background: linear-gradient(180deg, #F0F9FF 0%, #F8FAFC 100%);
  overflow: hidden;
}

.hero-glow {
  position: absolute;
  top: -10%;
  right: -5%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(14, 165, 233, 0.12) 0%, rgba(240, 249, 255, 0) 70%);
  border-radius: 50%;
  pointer-events: none;
  z-index: 0;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 3.5rem;
  align-items: center;
  position: relative;
  z-index: 1;
}

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

.hero-title {
  margin-bottom: 1.25rem;
  color: var(--brand-navy);
}

.hero-title .text-gradient {
  background: linear-gradient(135deg, #0284C7 0%, #06B6D4 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.hero-subtitle {
  margin-bottom: 2rem;
  max-width: 560px;
}

.hero-ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-bottom: 2.5rem;
}

.trust-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 1.25rem;
  padding-top: 1.75rem;
  border-top: 1px solid var(--border);
  width: 100%;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-secondary);
}

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

.hero-media {
  position: relative;
}

.hero-image-wrapper {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-xl);
  border: 1px solid rgba(255, 255, 255, 0.8);
  background: var(--white);
}

.hero-image-wrapper img {
  width: 100%;
  height: auto;
  display: block;
  object-fit: cover;
  transition: transform 0.6s cubic-bezier(0.16, 1, 0.3, 1);
}

.hero-image-wrapper:hover img {
  transform: scale(1.02);
}

.hero-floating-card {
  position: absolute;
  bottom: -20px;
  left: -20px;
  background: var(--white);
  padding: 1.15rem 1.4rem;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 1rem;
  border: 1px solid var(--border);
  max-width: 280px;
  animation: floatCard 4s ease-in-out infinite alternate;
}

@keyframes floatCard {
  0% { transform: translateY(0px); }
  100% { transform: translateY(-8px); }
}

.floating-icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-sm);
  background: var(--success-bg);
  color: var(--success-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

/* ==========================================================================
   Interactive Loan Selector Card (Bento Design)
   ========================================================================== */
.loan-selector-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 2.5rem;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
  position: relative;
  transition: var(--transition-base);
}

.selector-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  flex-wrap: wrap;
  gap: 1.5rem;
  margin-bottom: 2rem;
}

.amount-display-container {
  text-align: right;
}

.amount-label {
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.amount-display {
  font-family: var(--font-heading);
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 800;
  color: var(--brand-sky);
  line-height: 1.1;
  letter-spacing: -0.02em;
}

.amount-presets {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem;
  margin-bottom: 2rem;
}

.preset-chip {
  background: var(--surface-alt);
  border: 1px solid var(--border);
  color: var(--text-secondary);
  font-weight: 700;
  font-size: 0.875rem;
  padding: 0.6rem 1.15rem;
  border-radius: var(--radius-pill);
  cursor: pointer;
  transition: var(--transition-fast);
}

.preset-chip:hover {
  background: var(--brand-sky-subtle);
  border-color: var(--brand-sky-light);
  color: var(--brand-sky);
}

.preset-chip.active {
  background: var(--brand-navy);
  border-color: var(--brand-navy);
  color: var(--white);
  box-shadow: var(--shadow-sm);
}

.slider-container {
  margin-bottom: 2rem;
}

.range-slider {
  -webkit-appearance: none;
  width: 100%;
  height: 10px;
  border-radius: var(--radius-pill);
  background: linear-gradient(90deg, #E2E8F0 0%, #CBD5E1 100%);
  outline: none;
  margin: 1.25rem 0;
  cursor: pointer;
}

.range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--white);
  border: 3px solid var(--brand-sky);
  box-shadow: 0 2px 8px rgba(2, 132, 199, 0.4);
  cursor: grab;
  transition: transform 0.15s ease, box-shadow 0.15s ease;
}

.range-slider::-webkit-slider-thumb:hover {
  transform: scale(1.15);
  box-shadow: 0 4px 12px rgba(2, 132, 199, 0.5);
}

.range-slider::-moz-range-thumb {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--white);
  border: 3px solid var(--brand-sky);
  box-shadow: 0 2px 8px rgba(2, 132, 199, 0.4);
  cursor: grab;
}

.slider-labels {
  display: flex;
  justify-content: space-between;
  font-size: 0.8125rem;
  font-weight: 700;
  color: var(--text-muted);
}

.calculator-preview-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 1rem;
  background: var(--surface-alt);
  padding: 1.25rem;
  border-radius: var(--radius-md);
  margin-top: 1.5rem;
}

.preview-stat-item {
  display: flex;
  flex-direction: column;
}

.preview-stat-label {
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 0.25rem;
}

.preview-stat-value {
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--brand-navy);
}

/* ==========================================================================
   Bento Grid & Feature Cards
   ========================================================================== */
.bento-grid {
  display: grid;
  grid-template-columns: repeat(12, 1fr);
  gap: 1.5rem;
}

.bento-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2.25rem;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  transition: var(--transition-base);
  position: relative;
  overflow: hidden;
}

.bento-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: rgba(2, 132, 199, 0.3);
}

.col-span-3 { grid-column: span 3; }
.col-span-4 { grid-column: span 4; }
.col-span-6 { grid-column: span 6; }
.col-span-8 { grid-column: span 8; }
.col-span-12 { grid-column: span 12; }

.bento-icon {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-md);
  background: var(--brand-sky-subtle);
  color: var(--brand-sky);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.5rem;
  transition: var(--transition-fast);
}

.bento-card:hover .bento-icon {
  background: var(--brand-sky);
  color: var(--white);
  transform: scale(1.05);
}

.bento-title {
  margin-bottom: 0.75rem;
  font-size: 1.3rem;
}

.bento-text {
  font-size: 0.95rem;
  color: var(--text-secondary);
  line-height: 1.6;
}

/* ==========================================================================
   Steps Pathway Section
   ========================================================================== */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 2rem;
  position: relative;
}

.step-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2.25rem;
  position: relative;
  box-shadow: var(--shadow-sm);
  transition: var(--transition-base);
}

.step-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--brand-sky-light);
}

.step-number {
  position: absolute;
  top: 1.5rem;
  right: 1.5rem;
  font-family: var(--font-heading);
  font-size: 2.5rem;
  font-weight: 800;
  color: #E2E8F0;
  line-height: 1;
}

.step-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-sm);
  background: var(--brand-sky-subtle);
  color: var(--brand-sky);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.5rem;
}

.step-title {
  margin-bottom: 0.75rem;
  font-size: 1.25rem;
}

/* ==========================================================================
   Comparison Table Section
   ========================================================================== */
.comparison-table-wrapper {
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-md);
  overflow: hidden;
}

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
}

.comparison-table th,
.comparison-table td {
  padding: 1.25rem 1.5rem;
  border-bottom: 1px solid var(--border);
}

.comparison-table th {
  background: var(--surface-alt);
  font-weight: 700;
  font-size: 0.9375rem;
  color: var(--brand-navy);
}

.comparison-table th.highlight-col {
  background: var(--brand-sky-subtle);
  color: var(--brand-sky);
  border-left: 2px solid var(--brand-sky);
  border-right: 2px solid var(--brand-sky);
}

.comparison-table td.highlight-col {
  background: rgba(240, 249, 255, 0.4);
  border-left: 2px solid var(--brand-sky);
  border-right: 2px solid var(--brand-sky);
  font-weight: 600;
  color: var(--brand-navy);
}

/* ==========================================================================
   Full Loan Calculator Page Components
   ========================================================================== */
.calculator-container {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 2.5rem;
  background: var(--white);
  border-radius: var(--radius-xl);
  border: 1px solid var(--border);
  padding: 2.5rem;
  box-shadow: var(--shadow-lg);
}

.calculator-form-group {
  margin-bottom: 1.75rem;
}

.calculator-form-group label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-weight: 700;
  font-size: 0.9375rem;
  color: var(--brand-navy);
  margin-bottom: 0.65rem;
}

.calc-badge {
  background: var(--brand-sky-subtle);
  color: var(--brand-sky);
  font-weight: 800;
  font-size: 0.9375rem;
  padding: 0.2rem 0.65rem;
  border-radius: var(--radius-pill);
  border: 1px solid rgba(2, 132, 199, 0.2);
  transition: var(--transition-fast);
}

.calc-input-wrapper {
  position: relative;
  display: flex;
  align-items: center;
}

.calc-input-icon {
  position: absolute;
  left: 1rem;
  color: var(--text-muted);
  font-weight: 700;
}

.calc-input {
  width: 100%;
  padding: 0.85rem 1rem 0.85rem 2.25rem;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--border);
  font-family: var(--font-family);
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--brand-navy);
  background: var(--surface);
  transition: var(--transition-fast);
}

.calc-input:focus {
  outline: none;
  border-color: var(--brand-sky);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(2, 132, 199, 0.15);
}

.calc-select {
  width: 100%;
  padding: 0.85rem 1rem;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--border);
  font-family: var(--font-family);
  font-size: 1rem;
  font-weight: 600;
  color: var(--brand-navy);
  background: var(--surface);
  cursor: pointer;
  transition: var(--transition-fast);
}

.calc-select:focus {
  outline: none;
  border-color: var(--brand-sky);
  box-shadow: 0 0 0 3px rgba(2, 132, 199, 0.15);
}

.calculator-result-card {
  background: linear-gradient(135deg, #0A192F 0%, #0F172A 100%);
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: 2.25rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-shadow: var(--shadow-xl);
}

.calc-result-header {
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
  padding-bottom: 1.5rem;
  margin-bottom: 1.5rem;
}

.calc-result-monthly-label {
  font-size: 0.8125rem;
  font-weight: 700;
  color: #94A3B8;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 0.35rem;
}

.calc-result-monthly-amount {
  font-family: var(--font-heading);
  font-size: clamp(2.2rem, 3.5vw, 3rem);
  font-weight: 800;
  color: #38BDF8;
  line-height: 1.1;
}

.calc-breakdown-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 1rem;
  margin-bottom: 2rem;
}

.calc-breakdown-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.9375rem;
  color: #CBD5E1;
}

.calc-breakdown-value {
  font-weight: 700;
  color: var(--white);
}

.calc-bar-container {
  margin: 1.25rem 0;
}

.calc-bar-track {
  height: 10px;
  background: rgba(255, 255, 255, 0.15);
  border-radius: var(--radius-pill);
  overflow: hidden;
  display: flex;
}

.calc-bar-principal {
  background: #38BDF8;
  height: 100%;
}

.calc-bar-interest {
  background: #F59E0B;
  height: 100%;
}

.calc-bar-legend {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  color: #94A3B8;
  margin-top: 0.5rem;
}

/* ==========================================================================
   Multi-Step Wizard (apply.html)
   ========================================================================== */
.wizard-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-lg);
  padding: 2.5rem;
  max-width: 800px;
  margin: 0 auto;
}

.wizard-progress {
  display: flex;
  justify-content: space-between;
  position: relative;
  margin-bottom: 2.5rem;
  padding: 0 1rem;
}

.wizard-progress::before {
  content: '';
  position: absolute;
  top: 50%;
  left: 3rem;
  right: 3rem;
  height: 2px;
  background: var(--border);
  transform: translateY(-50%);
  z-index: 0;
}

.progress-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.5rem;
  position: relative;
  z-index: 1;
}

.progress-step-circle {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--white);
  border: 2px solid var(--border);
  color: var(--text-muted);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.9375rem;
  transition: var(--transition-fast);
}

.progress-step.active .progress-step-circle {
  border-color: var(--brand-sky);
  background: var(--brand-sky);
  color: var(--white);
  box-shadow: 0 0 0 4px rgba(2, 132, 199, 0.15);
}

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

.progress-step-title {
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.progress-step.active .progress-step-title {
  color: var(--brand-navy);
}

.wizard-step-pane {
  display: none;
}

.wizard-step-pane.active {
  display: block;
  animation: fadeIn 0.3s ease-in-out;
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}

.form-grid-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
}

.form-group {
  margin-bottom: 1.25rem;
}

.form-group label {
  display: block;
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--brand-navy);
  margin-bottom: 0.4rem;
}

.form-control {
  width: 100%;
  padding: 0.8rem 1rem;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--border);
  font-family: var(--font-family);
  font-size: 0.9375rem;
  color: var(--text);
  background: var(--surface);
  transition: var(--transition-fast);
}

.form-control:focus {
  outline: none;
  border-color: var(--brand-sky);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(2, 132, 199, 0.15);
}

.form-radio-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(130px, 1fr));
  gap: 0.75rem;
  margin-top: 0.5rem;
}

.radio-card {
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 0.85rem;
  text-align: center;
  cursor: pointer;
  transition: var(--transition-fast);
  background: var(--surface);
}

.radio-card:hover {
  border-color: var(--brand-sky-light);
  background: var(--brand-sky-subtle);
}

.radio-card input {
  display: none;
}

.radio-card:has(input:checked) {
  border-color: var(--brand-sky);
  background: var(--brand-sky-subtle);
  box-shadow: 0 0 0 2px rgba(2, 132, 199, 0.2);
}

.wizard-actions {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 2rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--border);
}

/* ==========================================================================
   FAQ Accordions & Search
   ========================================================================== */
.faq-search-wrapper {
  max-width: 680px;
  margin: 0 auto 1.75rem auto;
  position: relative;
}

.faq-search-input {
  width: 100%;
  padding: 1rem 1.5rem 1rem 3.25rem;
  border-radius: var(--radius-pill);
  border: 1.5px solid var(--border);
  font-family: var(--font-family);
  font-size: 1rem;
  background: var(--white);
  box-shadow: 0 4px 12px rgba(15, 23, 42, 0.05);
  transition: all 0.2s ease;
}

.faq-search-input:focus {
  outline: none;
  border-color: var(--brand-sky);
  box-shadow: 0 0 0 4px rgba(2, 132, 199, 0.15), 0 4px 16px rgba(2, 132, 199, 0.08);
}

.faq-search-icon {
  position: absolute;
  left: 1.25rem;
  top: 50%;
  transform: translateY(-50%);
  color: var(--text-muted);
}

.faq-filter-bar {
  display: flex;
  flex-wrap: wrap;
  gap: 0.625rem;
  justify-content: center;
  margin-bottom: 2.5rem;
}

.faq-filter-btn {
  background: var(--white);
  border: 1px solid var(--border);
  color: var(--text-secondary);
  font-size: 0.9375rem;
  font-weight: 600;
  padding: 0.55rem 1.25rem;
  border-radius: var(--radius-pill);
  cursor: pointer;
  transition: all 0.2s ease;
  box-shadow: var(--shadow-xs);
}

.faq-filter-btn:hover {
  border-color: var(--brand-sky-light);
  color: var(--brand-navy);
  background: #F0F9FF;
}

.faq-filter-btn.active {
  background: var(--brand-navy);
  border-color: var(--brand-navy);
  color: var(--white);
  box-shadow: 0 4px 12px rgba(15, 23, 42, 0.15);
}

.faq-list {
  display: flex;
  flex-direction: column;
  gap: 1.125rem;
  max-width: 840px;
  margin: 0 auto;
}

.faq-item {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: 0 2px 8px rgba(15, 23, 42, 0.04);
  overflow: hidden;
  transition: border-color 0.2s ease, box-shadow 0.2s ease, transform 0.2s ease;
}

.faq-item:hover {
  border-color: rgba(2, 132, 199, 0.4);
  box-shadow: 0 6px 16px rgba(15, 23, 42, 0.07);
}

.faq-item.active {
  border-color: var(--brand-sky);
  box-shadow: 0 8px 24px rgba(2, 132, 199, 0.12);
  background: #FFFFFF;
}

.faq-button {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1.35rem 1.75rem;
  background: none;
  border: none;
  cursor: pointer;
  text-align: left;
  font-family: var(--font-heading);
  font-size: 1.075rem;
  font-weight: 700;
  color: var(--brand-navy);
  gap: 1rem;
}

.faq-icon-chevron {
  transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  color: var(--brand-sky);
  flex-shrink: 0;
}

.faq-item.active .faq-icon-chevron {
  transform: rotate(180deg);
}

.faq-content {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s cubic-bezier(0.16, 1, 0.3, 1), padding 0.3s ease;
  padding: 0 1.75rem;
}

.faq-item.active .faq-content {
  max-height: 500px;
  padding: 0.25rem 1.75rem 1.5rem 1.75rem;
}

.faq-content p {
  color: #475569;
  font-size: 0.975rem;
  line-height: 1.7;
}

/* ==========================================================================
   Legal & Policy Pages
   ========================================================================== */
.legal-container {
  max-width: 960px;
  margin: 0 auto;
}

.legal-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 3rem;
  box-shadow: 0 4px 20px rgba(15, 23, 42, 0.05);
  display: flex;
  flex-direction: column;
  gap: 2.5rem;
  line-height: 1.75;
}

.legal-meta-bar {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding-bottom: 1.5rem;
  border-bottom: 1px solid var(--border);
  font-size: 0.875rem;
  color: var(--text-muted);
}

.legal-toc-wrapper {
  background: #F8FAFC;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 1.5rem 1.75rem;
}

.legal-toc-title {
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 700;
  color: var(--brand-navy);
  margin-bottom: 0.75rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.legal-toc-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 0.5rem 1.5rem;
  list-style: none;
  padding: 0;
  margin: 0;
}

.legal-toc-grid li a {
  color: var(--brand-sky-dark);
  font-size: 0.875rem;
  font-weight: 600;
  text-decoration: none;
  transition: var(--transition-fast);
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
}

.legal-toc-grid li a:hover {
  color: var(--brand-navy);
  text-decoration: underline;
}

.legal-section {
  scroll-margin-top: 5rem;
}

.legal-section-header {
  display: flex;
  align-items: baseline;
  gap: 0.75rem;
  margin-bottom: 1rem;
}

.legal-section-num {
  color: var(--brand-sky);
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.15rem;
}

.legal-section h2,
.legal-section .h3 {
  font-size: 1.3rem;
  color: var(--brand-navy);
  margin: 0;
}

.legal-section h3,
.legal-section .h4 {
  font-size: 1.075rem;
  color: var(--brand-navy);
  margin: 1.25rem 0 0.5rem 0;
  font-weight: 700;
}

.legal-section p {
  color: #334155;
  margin-bottom: 0.875rem;
  font-size: 0.95rem;
}

.legal-section ul,
.legal-section ol {
  padding-left: 1.35rem;
  margin: 0.75rem 0 1rem 0;
  display: flex;
  flex-direction: column;
  gap: 0.45rem;
  color: #334155;
  font-size: 0.95rem;
}

.legal-section li strong {
  color: var(--brand-navy);
}

.legal-table-responsive {
  width: 100%;
  overflow-x: auto;
  margin: 1.25rem 0;
  border-radius: var(--radius-md);
  border: 1px solid var(--border);
}

.legal-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
  font-size: 0.875rem;
}

.legal-table th {
  background: #F1F5F9;
  color: var(--brand-navy);
  font-weight: 700;
  padding: 0.875rem 1rem;
  border-bottom: 1px solid var(--border);
  white-space: nowrap;
}

.legal-table td {
  padding: 0.875rem 1rem;
  border-bottom: 1px solid var(--border);
  color: #475569;
  vertical-align: top;
}

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

.legal-table tr:nth-child(even) td {
  background: #F8FAFC;
}

.legal-callout {
  background: #F0F9FF;
  border: 1px solid #BAE6FD;
  border-left: 4px solid var(--brand-sky);
  border-radius: var(--radius-md);
  padding: 1.25rem 1.5rem;
  margin: 1.25rem 0;
}

.legal-callout-title {
  font-weight: 700;
  color: var(--brand-navy);
  margin-bottom: 0.35rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.95rem;
}

.legal-callout p {
  color: #0369A1;
  font-size: 0.9rem;
  margin: 0;
  line-height: 1.6;
}

.legal-contact-box {
  background: linear-gradient(135deg, #F8FAFC 0%, #EFF6FF 100%);
  border: 1.5px solid #DBEAFE;
  border-radius: var(--radius-md);
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

@media (max-width: 768px) {
  .legal-card {
    padding: 1.75rem 1.25rem;
    gap: 2rem;
  }
}

/* ==========================================================================
   Footer
   ========================================================================== */
.site-footer {
  background-color: var(--brand-navy);
  color: #94A3B8;
  padding: 4.5rem 0 2rem 0;
  margin-top: auto;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-top {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 3rem;
  margin-bottom: 3.5rem;
}

.footer-brand p {
  margin-top: 1rem;
  color: #94A3B8;
  font-size: 0.9375rem;
  line-height: 1.6;
  max-width: 320px;
}

.footer-heading {
  font-size: 0.875rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--white);
  margin-bottom: 1.25rem;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.footer-links a {
  color: #94A3B8;
  font-size: 0.9375rem;
  transition: var(--transition-fast);
}

.footer-links a:hover {
  color: #38BDF8;
  padding-left: 3px;
}

.footer-disclosures {
  padding-top: 2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  font-size: 0.78rem;
  line-height: 1.65;
  color: #64748B;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.footer-disclosures p {
  font-size: 0.78rem;
  color: #64748B;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1rem;
  padding-top: 2rem;
  margin-top: 2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
  font-size: 0.8125rem;
}

/* Toast System */
.toast-container {
  position: fixed;
  bottom: 24px;
  right: 24px;
  z-index: 9999;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.toast {
  background: var(--brand-navy);
  color: var(--white);
  padding: 1rem 1.4rem;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-xl);
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.9375rem;
  font-weight: 600;
  border: 1px solid rgba(255, 255, 255, 0.15);
  animation: slideUp 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

@keyframes slideUp {
  from { opacity: 0; transform: translateY(20px); }
  to { opacity: 1; transform: translateY(0); }
}

/* ==========================================================================
   Responsive Adaptations
   ========================================================================== */
@media (max-width: 1024px) {
  .hero-grid,
  .calculator-container {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }
  
  .col-span-3 {
    grid-column: span 6;
  }

  .col-span-4,
  .col-span-6,
  .col-span-8 {
    grid-column: span 12;
  }
  
  .footer-top {
    grid-template-columns: 1fr 1fr;
    gap: 2.5rem;
  }
}

@media (max-width: 768px) {
  .header-actions .btn {
    display: none;
  }

  .mobile-nav-toggle {
    display: block;
  }

  .col-span-3 {
    grid-column: span 12;
  }
  
  .nav-menu {
    position: fixed;
    top: var(--header-height);
    left: 0;
    width: 100%;
    background: var(--white);
    flex-direction: column;
    align-items: flex-start;
    padding: 1.5rem;
    gap: 1.25rem;
    border-bottom: 1px solid var(--border);
    box-shadow: var(--shadow-xl);
    transform: translateY(-100%);
    opacity: 0;
    pointer-events: none;
    transition: var(--transition-base);
  }
  
  .nav-menu.open {
    transform: translateY(0);
    opacity: 1;
    pointer-events: all;
  }
  
  .form-grid-2 {
    grid-template-columns: 1fr;
  }
  
  .footer-top {
    grid-template-columns: 1fr;
  }
  
  .hero-floating-card {
    position: relative;
    bottom: 0;
    left: 0;
    margin-top: 1rem;
    max-width: 100%;
    animation: none;
  }
}

/* ==========================================================================
   How It Works Process & Timeline Enhancements
   ========================================================================== */
.process-steps-wrapper {
  display: flex;
  flex-direction: column;
  gap: 2rem;
  max-width: 920px;
  margin: 0 auto;
}

.process-step-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  padding: 2.25rem;
  display: flex;
  gap: 2rem;
  align-items: flex-start;
  transition: var(--transition-base);
  position: relative;
}

.process-step-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-color: var(--brand-sky-light);
}

.process-step-badge {
  width: 56px;
  height: 56px;
  border-radius: 16px;
  background: linear-gradient(135deg, var(--brand-sky) 0%, var(--brand-navy) 100%);
  color: var(--white);
  font-family: var(--font-heading);
  font-size: 1.5rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  box-shadow: 0 4px 12px rgba(2, 132, 199, 0.25);
}

.process-step-content {
  flex: 1;
}

.process-step-title {
  font-size: 1.35rem;
  margin-bottom: 0.65rem;
  color: var(--brand-navy);
}

.process-step-desc {
  font-size: 1.025rem;
  line-height: 1.65;
  color: var(--text-secondary);
  margin-bottom: 1.25rem;
}

.process-pill-list {
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem;
  list-style: none;
  padding: 0;
  margin: 0;
}

.process-pill-item {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: var(--brand-sky-subtle);
  color: var(--brand-navy);
  font-size: 0.875rem;
  font-weight: 600;
  padding: 0.35rem 0.85rem;
  border-radius: var(--radius-pill);
  border: 1px solid rgba(2, 132, 199, 0.15);
}

.process-pill-item svg {
  color: var(--brand-sky);
  flex-shrink: 0;
}

/* Timeline Cards */
.timeline-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
  margin-top: 2rem;
}

.timeline-box {
  background: var(--white);
  border-radius: var(--radius-md);
  border: 1px solid var(--border);
  padding: 1.5rem;
  text-align: center;
  position: relative;
  transition: var(--transition-base);
}

.timeline-box:hover {
  border-color: var(--brand-sky);
  box-shadow: var(--shadow-sm);
}

.timeline-time {
  display: inline-block;
  background: var(--brand-sky-subtle);
  color: var(--brand-sky);
  font-size: 0.8rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 0.25rem 0.75rem;
  border-radius: var(--radius-pill);
  margin-bottom: 0.85rem;
}

.timeline-title {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--brand-navy);
  margin-bottom: 0.4rem;
}

.timeline-desc {
  font-size: 0.875rem;
  color: var(--text-muted);
  line-height: 1.5;
}

@media (max-width: 768px) {
  .process-step-card {
    flex-direction: column;
    gap: 1.25rem;
    padding: 1.5rem;
  }
  
  .timeline-grid {
    grid-template-columns: 1fr;
  }
}