/* ==========================================================================
   White Pine Lending - Next-Gen Fintech Design System (2026 Edition)
   Crafted with Forest Luxury, Modern Bento Grids & Micro-Interactions
   ========================================================================== */

/* --------------------------------------------------------------------------
   CSS Custom Properties (Design Tokens)
   -------------------------------------------------------------------------- */
:root {
  /* Brand Colors - Forest & Emerald Luxury with Warm Gold Amber */
  --primary: #064E3B;          /* Rich Deep Forest */
  --primary-dark: #022C22;     /* Midnight Pine */
  --primary-light: #0D9488;    /* Vibrant Teal Emerald */
  --primary-subtle: #ECFDF5;   /* Crisp Mint Ice */
  --primary-glow: rgba(6, 78, 59, 0.12);

  --accent: #F59E0B;           /* Warm Luminous Gold Amber */
  --accent-dark: #D97706;      /* Rich Amber Copper */
  --accent-light: #FFFBEB;     /* Warm Amber Tint */
  --accent-glow: rgba(245, 158, 11, 0.28);
  --accent-gradient: linear-gradient(135deg, #F59E0B 0%, #D97706 100%);
  --brand-gradient: linear-gradient(135deg, #064E3B 0%, #0F766E 100%);

  /* Neutral Typography & Surface Tones */
  --text: #0F172A;             /* Slate 900 */
  --text-secondary: #334155;   /* Slate 700 */
  --muted: #64748B;            /* Slate 500 */
  --muted-light: #94A3B8;      /* Slate 400 */

  /* Surfaces & Backgrounds */
  --surface: #F8FAFC;          /* Clean Crisp Canvas */
  --surface-alt: #F1F5F9;      /* Slate 100 */
  --surface-card: #FFFFFF;     /* Pure White Card */
  --surface-glass: rgba(255, 255, 255, 0.92);
  --white: #FFFFFF;

  /* Borders & Dividers */
  --border: #E2E8F0;           /* Slate 200 */
  --border-light: #F1F5F9;     /* Slate 100 */
  --border-focus: #064E3B;     /* Pine Focus */
  --border-glass: rgba(255, 255, 255, 0.7);

  /* Feedback States */
  --success: #059669;          /* Emerald 600 */
  --success-bg: #ECFDF5;
  --warning: #D97706;          /* Amber 600 */
  --warning-bg: #FFFBEB;
  --error: #DC2626;            /* Red 600 */
  --error-bg: #FEF2F2;
  --info: #0284C7;             /* Sky 600 */
  --info-bg: #F0F9FF;

  /* Elevation Shadows */
  --shadow-xs: 0 1px 2px 0 rgba(15, 23, 42, 0.04);
  --shadow-sm: 0 2px 4px 0 rgba(15, 23, 42, 0.05), 0 1px 2px 0 rgba(15, 23, 42, 0.03);
  --shadow-md: 0 8px 16px -2px rgba(15, 23, 42, 0.06), 0 3px 6px -1px rgba(15, 23, 42, 0.03);
  --shadow-lg: 0 16px 32px -4px rgba(6, 78, 59, 0.08), 0 6px 12px -2px rgba(15, 23, 42, 0.04);
  --shadow-xl: 0 24px 48px -12px rgba(6, 78, 59, 0.12), 0 12px 24px -4px rgba(15, 23, 42, 0.04);
  --shadow-accent: 0 10px 24px -4px rgba(245, 158, 11, 0.40);
  --shadow-focus: 0 0 0 4px rgba(6, 78, 59, 0.16);
  --shadow-focus-accent: 0 0 0 4px rgba(245, 158, 11, 0.25);

  /* Geometry & Radii */
  --radius-xs: 6px;
  --radius-sm: 10px;
  --radius-md: 16px;
  --radius-lg: 24px;
  --radius-xl: 32px;
  --radius-pill: 9999px;

  /* Typography */
  --font-sans: 'Plus Jakarta Sans', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
  --font-mono: 'JetBrains Mono', ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, monospace;

  /* Spacing Scale */
  --space-1: 0.25rem; /* 4px */
  --space-2: 0.5rem;  /* 8px */
  --space-3: 0.75rem; /* 12px */
  --space-4: 1rem;    /* 16px */
  --space-5: 1.25rem; /* 20px */
  --space-6: 1.5rem;  /* 24px */
  --space-8: 2rem;    /* 32px */
  --space-10: 2.5rem; /* 40px */
  --space-12: 3rem;   /* 48px */
  --space-16: 4rem;   /* 64px */
  --space-20: 5rem;   /* 80px */
  --space-24: 6rem;   /* 96px */

  /* Layout */
  --container-max: 1240px;
  --container-narrow: 860px;
  --header-height: 80px;

  /* Transitions */
  --transition-fast: 160ms cubic-bezier(0.16, 1, 0.3, 1);
  --transition-normal: 260ms cubic-bezier(0.16, 1, 0.3, 1);
  --transition-slow: 400ms cubic-bezier(0.16, 1, 0.3, 1);
}

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

html {
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.6;
  color: var(--text);
  background-color: var(--surface);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  scroll-behavior: smooth;
  text-rendering: optimizeLegibility;
}

body {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  overflow-x: hidden;
  background-color: var(--surface);
  position: relative;
}

/* Background Ambient Lighting */
body::before {
  content: '';
  position: absolute;
  top: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 100%;
  max-width: 1400px;
  height: 600px;
  background: radial-gradient(circle at 50% 0%, rgba(13, 148, 136, 0.07) 0%, rgba(245, 158, 11, 0.03) 45%, transparent 70%);
  pointer-events: none;
  z-index: 0;
}

body.menu-open {
  overflow: hidden;
}

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

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

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

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

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

ul, ol {
  list-style: none;
}

/* Accessibility Skip Link */
.skip-link {
  position: absolute;
  top: -100px;
  left: 1rem;
  background: var(--primary-dark);
  color: var(--white);
  padding: 0.75rem 1.25rem;
  border-radius: var(--radius-sm);
  z-index: 1000;
  font-weight: 700;
  font-size: 0.95rem;
  box-shadow: var(--shadow-xl);
  transition: top var(--transition-fast);
}

.skip-link:focus {
  top: 1rem;
  outline: 3px solid var(--accent);
}

:focus-visible {
  outline: 2px solid var(--primary);
  outline-offset: 3px;
}

/* --------------------------------------------------------------------------
   Typography Hierarchy
   -------------------------------------------------------------------------- */
h1, h2, h3, h4, h5, h6 {
  color: var(--text);
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -0.03em;
}

h1 {
  font-size: clamp(2.35rem, 4.2vw + 1rem, 3.65rem);
  line-height: 1.12;
}

h2 {
  font-size: clamp(1.85rem, 2.75vw + 0.5rem, 2.55rem);
  line-height: 1.2;
}

h3 {
  font-size: clamp(1.25rem, 1.5vw + 0.5rem, 1.55rem);
  line-height: 1.3;
}

h4 {
  font-size: 1.15rem;
  font-weight: 700;
}

p {
  color: var(--text-secondary);
  font-size: 1.025rem;
  line-height: 1.65;
}

p.lead {
  font-size: clamp(1.1rem, 1.25vw + 0.75rem, 1.28rem);
  color: var(--text-secondary);
  line-height: 1.6;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.775rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--primary);
  background: var(--primary-subtle);
  border: 1px solid rgba(6, 78, 59, 0.12);
  padding: 0.35rem 0.95rem;
  border-radius: var(--radius-pill);
  margin-bottom: var(--space-4);
  width: fit-content;
  box-shadow: var(--shadow-xs);
}

.eyebrow::before {
  content: '';
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background-color: var(--primary);
  display: inline-block;
}

.eyebrow-accent {
  color: var(--accent-dark);
  background: var(--accent-light);
  border-color: rgba(217, 119, 6, 0.18);
}

.eyebrow-accent::before {
  background-color: var(--accent-dark);
}

/* --------------------------------------------------------------------------
   Layout Utilities
   -------------------------------------------------------------------------- */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin-left: auto;
  margin-right: auto;
  padding-left: clamp(1.25rem, 3.5vw, 2.25rem);
  padding-right: clamp(1.25rem, 3.5vw, 2.25rem);
  position: relative;
  z-index: 1;
}

.container-narrow {
  max-width: var(--container-narrow);
  margin-left: auto;
  margin-right: auto;
}

.section {
  padding-top: clamp(4rem, 7vw, 6.5rem);
  padding-bottom: clamp(4rem, 7vw, 6.5rem);
  position: relative;
}

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

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

.section-primary {
  background: linear-gradient(145deg, #022C22 0%, #064E3B 50%, #0F766E 100%);
  color: var(--white);
  position: relative;
  overflow: hidden;
}

.section-primary::after {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(245, 158, 11, 0.12) 0%, transparent 70%);
  pointer-events: none;
}

.section-header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto clamp(2.5rem, 4.5vw, 4rem) auto;
}

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

.section-header h2 {
  margin-bottom: var(--space-3);
  color: var(--primary-dark);
}

.section-primary .section-header h2 {
  color: var(--white);
}

.section-primary .section-header p {
  color: #CCFBF1;
}

.section-header p {
  font-size: 1.125rem;
  color: var(--text-secondary);
}

.grid-2 {
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(1.5rem, 3vw, 2.5rem);
}

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

.grid-3 {
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(1.25rem, 2.5vw, 2rem);
}

@media (min-width: 640px) {
  .grid-3 {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .grid-3 {
    grid-template-columns: repeat(3, 1fr);
  }
}

.grid-4 {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}

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

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

/* --------------------------------------------------------------------------
   Buttons & CTAs
   -------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  font-weight: 700;
  font-size: 1rem;
  line-height: 1;
  padding: 0.95rem 1.85rem;
  border-radius: var(--radius-sm);
  text-decoration: none;
  cursor: pointer;
  white-space: nowrap;
  transition: all var(--transition-fast);
  border: 1px solid transparent;
  min-height: 50px;
  position: relative;
  user-select: none;
}

.btn-primary {
  background: var(--accent-gradient);
  color: #FFFFFF;
  box-shadow: var(--shadow-accent);
  border: 1px solid rgba(255, 255, 255, 0.2);
  text-shadow: 0 1px 2px rgba(0, 0, 0, 0.15);
}

.btn-primary:hover {
  background: linear-gradient(135deg, #FBBF24 0%, #D97706 100%);
  color: #FFFFFF;
  transform: translateY(-2px);
  box-shadow: 0 14px 28px -4px rgba(245, 158, 11, 0.45);
}

.btn-primary:active {
  transform: translateY(0);
  box-shadow: var(--shadow-sm);
}

.btn-secondary {
  background-color: var(--white);
  color: var(--primary);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-xs);
}

.btn-secondary:hover {
  background-color: var(--surface-alt);
  color: var(--primary-dark);
  border-color: #CBD5E1;
  transform: translateY(-2px);
  box-shadow: var(--shadow-sm);
}

.btn-secondary:active {
  transform: translateY(0);
}

.btn-outline {
  background-color: transparent;
  color: var(--primary);
  border-color: rgba(6, 78, 59, 0.3);
}

.btn-outline:hover {
  background-color: var(--primary-subtle);
  color: var(--primary-dark);
  border-color: var(--primary);
  transform: translateY(-1px);
}

.btn-outline-white {
  background-color: rgba(255, 255, 255, 0.08);
  color: var(--white);
  border-color: rgba(255, 255, 255, 0.4);
  backdrop-filter: blur(8px);
}

.btn-outline-white:hover {
  background-color: rgba(255, 255, 255, 0.2);
  border-color: var(--white);
  color: var(--white);
  transform: translateY(-1px);
}

.btn-pill {
  border-radius: var(--radius-pill);
}

.btn-lg {
  padding: 1.15rem 2.35rem;
  font-size: 1.08rem;
  border-radius: var(--radius-md);
  min-height: 56px;
}

.btn-sm {
  padding: 0.55rem 1.25rem;
  font-size: 0.875rem;
  border-radius: var(--radius-xs);
  min-height: 40px;
}

.btn-full {
  width: 100%;
}

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

/* --------------------------------------------------------------------------
   Header & Navigation
   -------------------------------------------------------------------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background-color: rgba(255, 255, 255, 0.88);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(226, 232, 240, 0.8);
  transition: all var(--transition-fast);
}

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

.site-header.scrolled {
  background-color: rgba(255, 255, 255, 0.96);
  box-shadow: var(--shadow-sm);
  border-bottom-color: var(--border);
}

.header-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--header-height);
}

/* Logo */
.brand-logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  text-decoration: none;
  color: var(--primary-dark);
  font-weight: 800;
  font-size: 1.35rem;
  letter-spacing: -0.03em;
  transition: transform var(--transition-fast);
}

.brand-logo:hover {
  transform: scale(1.02);
}

.brand-logo svg {
  width: 38px;
  height: 38px;
  flex-shrink: 0;
  filter: drop-shadow(0 2px 4px rgba(6, 78, 59, 0.15));
}

.brand-logo .logo-text {
  display: flex;
  align-items: baseline;
  color: var(--primary-dark);
}

.brand-logo .logo-text span {
  color: var(--accent);
  font-size: 1.4rem;
}

.brand-logo .logo-tag {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--muted);
  margin-left: 0.35rem;
  letter-spacing: 0;
}

/* Main Navigation */
.main-nav {
  display: none;
}

@media (min-width: 992px) {
  .main-nav {
    display: flex;
    align-items: center;
    gap: 1.85rem;
  }
}

.nav-link {
  color: var(--text-secondary);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 0.5rem 0.25rem;
  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: 2.5px;
  background-color: var(--accent);
  border-radius: var(--radius-pill);
}

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

.header-cta-btn {
  display: none;
  background: var(--primary);
  color: var(--white);
  border-radius: var(--radius-pill);
  font-size: 0.875rem;
  font-weight: 700;
  padding: 0.7rem 1.5rem;
  min-height: auto;
  box-shadow: 0 4px 12px rgba(6, 78, 59, 0.2);
  border: none;
}

.header-cta-btn:hover {
  background-color: var(--primary-dark);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: 0 6px 16px rgba(6, 78, 59, 0.3);
}

@media (min-width: 640px) {
  .header-cta-btn {
    display: inline-flex;
  }
}

.btn-back-home {
  display: none;
}

@media (min-width: 640px) {
  .btn-back-home {
    display: inline-flex;
  }
}

/* Mobile Menu Toggle */
.mobile-menu-btn {
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 5px;
  width: 44px;
  height: 44px;
  border-radius: var(--radius-sm);
  background: var(--surface);
  border: 1px solid var(--border);
  color: var(--text);
  padding: 0;
  transition: all var(--transition-fast);
}

.mobile-menu-btn:hover {
  background: var(--surface-alt);
  border-color: #CBD5E1;
}

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

.mobile-menu-btn span {
  display: block;
  width: 22px;
  height: 2px;
  background-color: var(--text);
  border-radius: 2px;
  transition: transform var(--transition-fast), opacity var(--transition-fast);
}

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

.mobile-menu-btn[aria-expanded="true"] span:nth-child(2) {
  opacity: 0;
}

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

/* Mobile Drawer */
.mobile-drawer {
  position: fixed;
  top: var(--header-height);
  left: 0;
  right: 0;
  bottom: 0;
  background-color: rgba(255, 255, 255, 0.98);
  backdrop-filter: blur(20px);
  padding: 1.5rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  transform: translateX(100%);
  transition: transform var(--transition-normal);
  z-index: 99;
  overflow-y: auto;
  border-top: 1px solid var(--border);
}

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

.mobile-nav-list {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.mobile-nav-link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1rem 1.25rem;
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--text);
  border-radius: var(--radius-sm);
  background: var(--surface);
  border: 1px solid var(--border);
  transition: all var(--transition-fast);
}

.mobile-nav-link:hover,
.mobile-nav-link.active {
  color: var(--primary);
  background: var(--primary-subtle);
  border-color: rgba(6, 78, 59, 0.2);
  transform: translateX(4px);
}

.mobile-drawer-footer {
  margin-top: 2rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--border);
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

/* --------------------------------------------------------------------------
   Hero Section (Modern Fintech Grid Layout)
   -------------------------------------------------------------------------- */
.hero-section {
  padding-top: clamp(2.5rem, 5vw, 5rem);
  padding-bottom: clamp(3.5rem, 6vw, 6rem);
  position: relative;
  overflow: hidden;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(2.5rem, 5vw, 4rem);
  align-items: center;
}

@media (min-width: 992px) {
  .hero-grid {
    grid-template-columns: 53% 47%;
  }
}

.hero-content {
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}

.hero-content h1 {
  color: var(--primary-dark);
}

.hero-content .hero-lead {
  font-size: clamp(1.05rem, 1.2vw, 1.22rem);
  color: var(--text-secondary);
  line-height: 1.6;
}

.hero-ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  align-items: center;
  margin-top: 0.5rem;
}

/* Hero Trust Bullets */
.hero-trust-list {
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
  margin-top: 0.75rem;
  padding-top: 1.25rem;
  border-top: 1px solid var(--border);
}

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

.hero-trust-item {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-size: 0.935rem;
  font-weight: 600;
  color: var(--text-secondary);
}

.hero-trust-item svg {
  width: 20px;
  height: 20px;
  color: var(--success);
  flex-shrink: 0;
}

/* Loan Amount Quick Selector Box (Hero Mini-Widget) */
.hero-selector-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 1.5rem;
  margin-top: 1rem;
  box-shadow: var(--shadow-md);
  position: relative;
  overflow: hidden;
}

.hero-selector-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--brand-gradient);
}

.hero-selector-label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 0.85rem;
}

.hero-selector-title {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--text);
}

.hero-selector-value {
  font-size: 1.45rem;
  font-weight: 800;
  color: var(--primary);
  font-family: var(--font-mono);
  background: var(--primary-subtle);
  padding: 0.2rem 0.75rem;
  border-radius: var(--radius-xs);
  border: 1px solid rgba(6, 78, 59, 0.15);
}

.preset-pills {
  display: flex;
  gap: 0.5rem;
  flex-wrap: wrap;
  margin-bottom: 0.85rem;
}

.preset-pill {
  padding: 0.45rem 0.95rem;
  font-size: 0.875rem;
  font-weight: 700;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-pill);
  color: var(--text);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.preset-pill:hover {
  background: var(--surface-alt);
  border-color: #CBD5E1;
  transform: translateY(-1px);
}

.preset-pill.active {
  background: var(--primary);
  color: var(--white);
  border-color: var(--primary);
  box-shadow: 0 4px 10px rgba(6, 78, 59, 0.2);
}

.range-slider-container {
  width: 100%;
}

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

.range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--accent);
  border: 3px solid var(--white);
  box-shadow: 0 3px 8px rgba(0, 0, 0, 0.25);
  cursor: pointer;
  transition: transform var(--transition-fast), box-shadow var(--transition-fast);
}

.range-slider::-webkit-slider-thumb:hover {
  transform: scale(1.2);
  box-shadow: 0 4px 12px rgba(245, 158, 11, 0.45);
}

.range-slider::-moz-range-thumb {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--accent);
  border: 3px solid var(--white);
  box-shadow: 0 3px 8px rgba(0, 0, 0, 0.25);
  cursor: pointer;
}

.hero-selector-note {
  font-size: 0.8rem;
  color: var(--muted);
  margin-top: 0.65rem;
  line-height: 1.45;
}

/* HERO RIGHT - Image & Trust Overlays */
.hero-media-wrap {
  position: relative;
  display: flex;
  justify-content: center;
  align-items: center;
}

.hero-image-frame {
  position: relative;
  width: 100%;
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-xl);
  border: 8px solid var(--white);
  background: var(--white);
  aspect-ratio: 4 / 3;
}

.hero-image-frame img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.8s ease;
}

.hero-image-frame:hover img {
  transform: scale(1.03);
}

.hero-badge-floating {
  position: absolute;
  bottom: 1.5rem;
  left: 1.5rem;
  right: 1.5rem;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(14px);
  padding: 1rem 1.25rem;
  border-radius: var(--radius-md);
  box-shadow: 0 16px 36px -4px rgba(6, 78, 59, 0.16);
  border: 1px solid rgba(255, 255, 255, 0.9);
  display: flex;
  align-items: center;
  gap: 1rem;
  max-width: 340px;
}

.hero-badge-icon {
  width: 42px;
  height: 42px;
  border-radius: var(--radius-xs);
  background: var(--primary-subtle);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.hero-badge-title {
  font-size: 0.885rem;
  font-weight: 800;
  color: var(--text);
}

.hero-badge-subtitle {
  font-size: 0.775rem;
  color: var(--muted);
  line-height: 1.35;
}

/* --------------------------------------------------------------------------
   Bento Cards & Feature Blocks
   -------------------------------------------------------------------------- */
.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: clamp(1.5rem, 3vw, 2rem);
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-fast), box-shadow var(--transition-fast), border-color var(--transition-fast);
  display: flex;
  flex-direction: column;
  position: relative;
  overflow: hidden;
}

.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(6, 78, 59, 0.25);
}

.card-icon {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-sm);
  background: var(--primary-subtle);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-4);
  flex-shrink: 0;
  box-shadow: 0 4px 10px rgba(6, 78, 59, 0.08);
}

.card-icon svg {
  width: 26px;
  height: 26px;
}

.card-icon-accent {
  background: var(--accent-light);
  color: var(--accent-dark);
  box-shadow: 0 4px 10px rgba(245, 158, 11, 0.12);
}

.card h3 {
  margin-bottom: var(--space-2);
  color: var(--primary-dark);
  font-size: 1.22rem;
}

.card p {
  font-size: 0.975rem;
  color: var(--text-secondary);
  line-height: 1.6;
}

/* Purpose Bento Cards */
.purpose-card {
  display: flex;
  align-items: flex-start;
  gap: 1.15rem;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 1.5rem;
  box-shadow: var(--shadow-xs);
  transition: all var(--transition-fast);
}

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

.purpose-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-sm);
  background: var(--primary-subtle);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.purpose-icon svg {
  width: 24px;
  height: 24px;
}

.purpose-content h4 {
  font-size: 1.1rem;
  color: var(--text);
  margin-bottom: 0.35rem;
}

.purpose-content p {
  font-size: 0.9rem;
  color: var(--muted);
  line-height: 1.55;
}

/* How It Works Steps (Timeline Card) */
.step-card {
  position: relative;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2.25rem 1.75rem;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  transition: all var(--transition-fast);
}

.step-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--primary);
}

.step-num {
  font-size: 2.5rem;
  font-weight: 800;
  font-family: var(--font-mono);
  color: var(--accent);
  line-height: 1;
  margin-bottom: 1rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 54px;
  height: 54px;
  background: var(--accent-light);
  border-radius: var(--radius-sm);
}

.step-card h3 {
  font-size: 1.3rem;
  margin-bottom: 0.75rem;
  color: var(--primary-dark);
}

.step-card p {
  font-size: 0.975rem;
  color: var(--text-secondary);
}

/* --------------------------------------------------------------------------
   Interactive Loan Calculator
   -------------------------------------------------------------------------- */
.calculator-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  padding: clamp(1.75rem, 4vw, 3rem);
  position: relative;
  overflow: hidden;
}

.calc-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(1.75rem, 3.5vw, 3rem);
}

@media (min-width: 900px) {
  .calc-grid {
    grid-template-columns: 1.15fr 0.85fr;
  }
}

.calc-inputs {
  display: flex;
  flex-direction: column;
  gap: 1.75rem;
}

.calc-group {
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}

.calc-label-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
}

.calc-label {
  font-weight: 700;
  font-size: 0.975rem;
  color: var(--text);
}

.calc-badge-val {
  font-family: var(--font-mono);
  font-weight: 800;
  color: var(--primary);
  font-size: 1.25rem;
}

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

.calc-prefix {
  position: absolute;
  left: 1rem;
  color: var(--muted);
  font-weight: 700;
  font-size: 1.05rem;
  pointer-events: none;
}

.calc-suffix {
  position: absolute;
  right: 1rem;
  color: var(--muted);
  font-weight: 700;
  font-size: 0.95rem;
  pointer-events: none;
}

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

.calc-text-input:focus {
  outline: none;
  border-color: var(--primary);
  background: var(--white);
  box-shadow: var(--shadow-focus);
}

.calc-range {
  width: 100%;
  margin-top: 0.5rem;
}

/* Term segment buttons */
.term-segment-group {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.6rem;
}

.term-btn {
  padding: 0.75rem 0.5rem;
  text-align: center;
  font-size: 0.9rem;
  font-weight: 700;
  border: 1px solid var(--border);
  background: var(--surface);
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.term-btn:hover {
  background: var(--surface-alt);
  border-color: #CBD5E1;
}

.term-btn.active {
  background: var(--primary);
  color: var(--white);
  border-color: var(--primary);
  box-shadow: 0 4px 10px rgba(6, 78, 59, 0.2);
}

/* Calculator Results Panel */
.calc-results {
  background: linear-gradient(145deg, #F8FAFC 0%, #EEF2F6 100%);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  gap: 1.5rem;
  box-shadow: var(--shadow-sm);
}

.calc-hero-output {
  text-align: center;
  padding: 1.5rem;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-xs);
}

.calc-output-label {
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 800;
  color: var(--muted);
  margin-bottom: 0.4rem;
}

.calc-output-amount {
  font-size: clamp(2.25rem, 3.5vw, 3rem);
  font-weight: 800;
  color: var(--primary-dark);
  font-family: var(--font-mono);
  line-height: 1.1;
}

.calc-breakdown-list {
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
  padding: 0.5rem 0;
}

.calc-breakdown-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.975rem;
  color: var(--text-secondary);
}

.calc-breakdown-item strong {
  color: var(--text);
  font-family: var(--font-mono);
  font-size: 1.05rem;
}

/* Visual Bar Breakdown */
.calc-bar-wrap {
  display: flex;
  flex-direction: column;
  gap: 0.45rem;
}

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

.calc-bar-principal {
  background-color: var(--primary);
  height: 100%;
  transition: width var(--transition-normal);
}

.calc-bar-interest {
  background-color: var(--accent);
  height: 100%;
  transition: width var(--transition-normal);
}

.calc-bar-legend {
  display: flex;
  justify-content: space-between;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--muted);
}

.calc-bar-legend span {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
}

.calc-bar-legend .dot {
  width: 9px;
  height: 9px;
  border-radius: 50%;
}

.calc-disclaimer {
  font-size: 0.8rem;
  color: var(--muted);
  line-height: 1.5;
  text-align: center;
}

/* --------------------------------------------------------------------------
   Comparison Table & Representative Example
   -------------------------------------------------------------------------- */
.comparison-table-wrap {
  overflow-x: auto;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  background: var(--white);
  box-shadow: var(--shadow-sm);
  margin-top: 1.75rem;
}

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
  font-size: 0.975rem;
}

.comparison-table th,
.comparison-table td {
  padding: 1.15rem 1.4rem;
  border-bottom: 1px solid var(--border-light);
}

.comparison-table th {
  background: var(--surface-alt);
  color: var(--text);
  font-weight: 800;
  font-size: 0.925rem;
  letter-spacing: 0.02em;
}

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

.comparison-table td strong {
  color: var(--primary);
}

.table-tag {
  display: inline-block;
  padding: 0.25rem 0.75rem;
  border-radius: var(--radius-pill);
  font-size: 0.775rem;
  font-weight: 800;
  background: var(--primary-subtle);
  color: var(--primary);
}

/* --------------------------------------------------------------------------
   Accordion FAQ Section (Accessible)
   -------------------------------------------------------------------------- */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  max-width: 880px;
  margin: 0 auto;
}

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

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

.faq-trigger {
  width: 100%;
  padding: 1.4rem 1.6rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  text-align: left;
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--text);
  cursor: pointer;
  background: transparent;
  border: none;
}

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

.faq-trigger:focus-visible {
  outline: 2px solid var(--primary);
  outline-offset: -2px;
}

.faq-icon {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--surface-alt);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: transform var(--transition-fast), background-color var(--transition-fast);
}

.faq-item.is-open .faq-icon {
  transform: rotate(180deg);
  background: var(--primary);
  color: var(--white);
}

.faq-panel {
  display: none;
  padding: 0 1.6rem 1.6rem 1.6rem;
  color: var(--text-secondary);
  font-size: 1rem;
  line-height: 1.7;
}

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

.faq-panel p + p {
  margin-top: 0.85rem;
}

/* FAQ Search Filter */
.faq-search-box {
  max-width: 640px;
  margin: 0 auto 2.5rem auto;
  position: relative;
}

.faq-search-input {
  width: 100%;
  padding: 1rem 1.4rem 1rem 3.25rem;
  border-radius: var(--radius-pill);
  border: 1px solid var(--border);
  background: var(--white);
  box-shadow: var(--shadow-sm);
  font-size: 1.05rem;
  transition: all var(--transition-fast);
}

.faq-search-input:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: var(--shadow-focus);
}

.faq-search-icon {
  position: absolute;
  left: 1.25rem;
  top: 50%;
  transform: translateY(-50%);
  color: var(--muted);
  width: 22px;
  height: 22px;
}

/* --------------------------------------------------------------------------
   Responsible Borrowing / Considerations Box
   -------------------------------------------------------------------------- */
.consideration-box {
  background: var(--white);
  border: 1px solid var(--border);
  border-left: 6px solid var(--accent);
  border-radius: var(--radius-md);
  padding: 2rem;
  box-shadow: var(--shadow-sm);
}

.consideration-list {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  margin-top: 1.25rem;
}

.consideration-item {
  display: flex;
  align-items: flex-start;
  gap: 0.85rem;
  font-size: 1.025rem;
  color: var(--text);
}

.consideration-item svg {
  width: 22px;
  height: 22px;
  color: var(--accent-dark);
  flex-shrink: 0;
  margin-top: 2px;
}

/* --------------------------------------------------------------------------
   Multi-Step Application Demo Form (apply.html)
   -------------------------------------------------------------------------- */
.apply-container {
  max-width: 1054px;
  margin: 0 auto;
}

.apply-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  padding: clamp(1.75rem, 4.5vw, 3rem);
}

.progress-steps {
  display: flex;
  justify-content: space-between;
  align-items: center;
  position: relative;
  margin-bottom: 2.75rem;
}

.progress-track {
  position: absolute;
  top: 20px;
  left: 10%;
  right: 10%;
  height: 4px;
  background: var(--border);
  z-index: 1;
  border-radius: 2px;
}

.progress-fill {
  position: absolute;
  top: 0;
  left: 0;
  height: 100%;
  background: var(--primary);
  transition: width var(--transition-normal);
  border-radius: 2px;
}

.progress-node {
  position: relative;
  z-index: 2;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.45rem;
}

.node-circle {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--white);
  border: 2.5px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 0.95rem;
  color: var(--muted);
  transition: all var(--transition-fast);
}

.progress-node.active .node-circle {
  border-color: var(--primary);
  background: var(--primary);
  color: var(--white);
  box-shadow: 0 0 0 4px var(--primary-subtle);
}

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

.node-label {
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--muted);
}

.progress-node.active .node-label {
  color: var(--primary-dark);
  font-weight: 800;
}

.form-step {
  display: none;
}

.form-step.active {
  display: flex;
  flex-direction: column;
  gap: 1.65rem;
  animation: fadeIn 0.35s ease;
}

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

.form-group {
  display: flex;
  flex-direction: column;
  gap: 0.45rem;
}

.form-label {
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--text);
}

.form-label .required {
  color: var(--error);
}

.form-control {
  width: 100%;
  padding: 0.95rem 1.15rem;
  font-size: 1.05rem;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  background: var(--surface);
  transition: all var(--transition-fast);
}

.form-control:focus {
  outline: none;
  border-color: var(--primary);
  background: var(--white);
  box-shadow: var(--shadow-focus);
}

.form-control.error {
  border-color: var(--error);
  background: var(--error-bg);
}

.form-error-msg {
  font-size: 0.825rem;
  color: var(--error);
  font-weight: 600;
  display: none;
}

.form-error-msg.visible {
  display: block;
}

.form-radio-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0.85rem;
}

@media (min-width: 600px) {
  .form-radio-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.radio-card {
  position: relative;
  display: flex;
  align-items: center;
  gap: 0.6rem;
  padding: 0.95rem 1.15rem;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  background: var(--surface);
  cursor: pointer;
  font-size: 0.95rem;
  font-weight: 700;
  transition: all var(--transition-fast);
}

.radio-card input {
  accent-color: var(--primary);
}

.radio-card:hover,
.radio-card:has(input:checked) {
  border-color: var(--primary);
  background: var(--primary-subtle);
  color: var(--primary-dark);
  box-shadow: 0 2px 6px rgba(6, 78, 59, 0.08);
}

.form-checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  font-size: 0.885rem;
  color: var(--text-secondary);
  line-height: 1.55;
  cursor: pointer;
}

.form-checkbox-label input {
  margin-top: 3px;
  accent-color: var(--primary);
  width: 18px;
  height: 18px;
}

.form-demo-badge {
  background: var(--warning-bg);
  border: 1px solid rgba(217, 119, 6, 0.3);
  color: var(--warning);
  padding: 0.85rem 1.15rem;
  border-radius: var(--radius-sm);
  font-size: 0.85rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  gap: 0.6rem;
}

/* --------------------------------------------------------------------------
   Financial Disclosures & Callout Boxes
   -------------------------------------------------------------------------- */
.disclosure-box {
  background: var(--surface-alt);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 1.75rem;
  font-size: 0.875rem;
  color: var(--text-secondary);
  line-height: 1.65;
}

.disclosure-box h4 {
  font-size: 0.95rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--primary-dark);
  margin-bottom: 0.65rem;
}

.disclosure-box p + p {
  margin-top: 0.6rem;
}

/* --------------------------------------------------------------------------
   Site Footer
   -------------------------------------------------------------------------- */
.site-footer {
  background-color: #022C22;
  color: #D1FAE5;
  padding-top: clamp(4rem, 6vw, 5.5rem);
  padding-bottom: 2.5rem;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  position: relative;
  overflow: hidden;
}

.site-footer::before {
  content: '';
  position: absolute;
  top: 0;
  left: 30%;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(13, 148, 136, 0.08) 0%, transparent 70%);
  pointer-events: none;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2.75rem;
  margin-bottom: 3.5rem;
}

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

@media (min-width: 1024px) {
  .footer-grid {
    grid-template-columns: 1.6fr 1fr 1fr 1fr;
  }
}

.footer-col h4 {
  color: var(--white);
  font-size: 1.05rem;
  font-weight: 800;
  margin-bottom: 1.35rem;
  letter-spacing: -0.01em;
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.footer-link {
  color: #A7F3D0;
  font-size: 0.95rem;
  transition: color var(--transition-fast), transform var(--transition-fast);
}

.footer-link:hover {
  color: var(--accent);
  transform: translateX(3px);
}

.footer-brand p {
  color: #A7F3D0;
  font-size: 0.95rem;
  margin-top: 0.85rem;
  line-height: 1.65;
}

.footer-disclosures {
  padding: 1.5rem 1.75rem;
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: var(--radius-md);
  font-size: 0.875rem;
  color: #E2E8F0;
  line-height: 1.7;
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
  backdrop-filter: blur(8px);
}

.footer-disclosures p {
  color: #E2E8F0;
  font-size: 0.875rem;
  line-height: 1.7;
}

.footer-disclosures strong {
  color: #FFFFFF;
  font-weight: 700;
}

.footer-bottom {
  margin-top: 2.25rem;
  padding-top: 1.75rem;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: space-between;
  gap: 1.25rem;
  font-size: 0.875rem;
  color: #94A3B8;
}

@media (min-width: 768px) {
  .footer-bottom {
    flex-direction: row;
  }
}

.footer-trust-statement {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  flex-wrap: wrap;
  font-size: 0.85rem;
  color: #94A3B8;
  font-weight: 500;
}

.footer-trust-statement .dot {
  color: #475569;
  font-size: 0.75rem;
}

/* --------------------------------------------------------------------------
   Accessibility: 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;
  }
}