/* ==========================================================================
   Crane Finance - Design System & Stylesheet
   Domain: Consumer Financial Services & Installment Loan Information & Guidance
   Accessibility: WCAG AA Compliant (Contrast >= 4.5:1 text, >= 3:1 UI controls)
   ========================================================================== */

:root {
  /* 60-30-10 Color System */
  /* Neutral Canvas (60%) */
  --color-canvas: #f8fafc;
  --color-surface: #ffffff;
  --color-surface-subtle: #f1f5f9;
  --color-surface-muted: #e2e8f0;

  /* Structural Surfaces & Typography (30%) */
  --color-text-primary: #0f172a;    /* Slate 900 - high contrast headline */
  --color-text-secondary: #334155;  /* Slate 700 - high contrast body (ratio > 7:1) */
  --color-text-muted: #64748b;      /* Slate 500 - contrast ratio > 4.5:1 on white */
  --color-border: #e2e8f0;          /* Hairline border */
  --color-border-subtle: #cbd5e1;

  /* Accent Budget (10%) */
  --color-accent-navy: #0f2642;     /* Brand Deep Navy */
  --color-accent-primary: #1d4ed8;  /* Primary Interactive Blue (WCAG AA 4.6:1 on white) */
  --color-accent-hover: #1e40af;    /* Darker Hover State */
  --color-accent-teal: #0d9488;     /* Precision Accent Teal */
  --color-accent-surface: #eff6ff;  /* Soft Blue Tint */
  --color-accent-teal-soft: #f0fdfa;/* Soft Teal Tint */
  --color-warning-surface: #fffbeb;
  --color-warning-border: #fde68a;
  --color-warning-text: #92400e;

  /* Typography Scale */
  --font-sans: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --font-mono: ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace;

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

  /* Layout Widths */
  --container-max: 1200px;
  --container-narrow: 840px;

  /* Elevation */
  --shadow-sm: 0 1px 2px 0 rgba(15, 23, 42, 0.05);
  --shadow-card: 0 1px 3px 0 rgba(15, 23, 42, 0.08), 0 1px 2px -1px rgba(15, 23, 42, 0.08);
  --shadow-hover: 0 4px 6px -1px rgba(15, 23, 42, 0.08), 0 2px 4px -2px rgba(15, 23, 42, 0.08);

  /* Radius */
  --radius-sm: 6px;
  --radius-md: 8px;
  --radius-lg: 12px;
  --radius-xl: 16px;

  /* Transitions */
  --transition-fast: 150ms cubic-bezier(0.16, 1, 0.3, 1);
  --transition-normal: 200ms cubic-bezier(0.16, 1, 0.3, 1);
}

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

html {
  font-family: var(--font-sans);
  color: var(--color-text-secondary);
  background-color: var(--color-canvas);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  scroll-behavior: smooth;
}

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

body {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

/* Accessible Focus States */
a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
summary:focus-visible {
  outline: 2px solid var(--color-accent-primary);
  outline-offset: 3px;
  border-radius: var(--radius-sm);
}

/* Skip Navigation Link */
.skip-link {
  position: absolute;
  top: -999px;
  left: 1rem;
  background: var(--color-accent-navy);
  color: #ffffff;
  padding: 0.75rem 1.25rem;
  z-index: 9999;
  font-weight: 600;
  border-radius: var(--radius-md);
  text-decoration: none;
}
.skip-link:focus {
  top: 1rem;
}

/* Typography Hierarchy */
h1, h2, h3, h4 {
  color: var(--color-text-primary);
  font-weight: 700;
  line-height: 1.25;
  text-wrap: balance;
}

h1 {
  font-size: clamp(2rem, 3.8vw, 3.25rem);
  letter-spacing: -0.025em;
}

h2 {
  font-size: clamp(1.5rem, 2.5vw, 2.25rem);
  letter-spacing: -0.02em;
}

h3 {
  font-size: clamp(1.15rem, 1.8vw, 1.4rem);
  letter-spacing: -0.015em;
}

p {
  max-width: 72ch;
  margin-bottom: 1rem;
}

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

.text-muted {
  color: var(--color-text-muted);
}

.tabular-nums {
  font-variant-numeric: tabular-nums;
  font-family: var(--font-mono);
}

/* Container & Grid Layouts */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin-left: auto;
  margin-right: auto;
  padding-left: 1.5rem;
  padding-right: 1.5rem;
}

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

/* ==========================================================================
   Header & Navigation (Strict 3-Zone Contract)
   Zone 1: Wordmark
   Zone 2: 4-5 Navigation Links
   Zone 3: 1 Primary CTA Button
   ========================================================================== */

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background-color: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--color-border);
}

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

.nav-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
  height: 4.5rem;
}

/* Zone 1: Wordmark */
.brand-zone {
  display: flex;
  align-items: center;
  gap: 0.625rem;
  text-decoration: none;
  color: var(--color-accent-navy);
  white-space: nowrap;
  flex-shrink: 0;
}

.brand-icon {
  width: 2.25rem;
  height: 2.25rem;
  color: var(--color-accent-primary);
  display: flex;
  align-items: center;
  justify-content: center;
}

.brand-name {
  font-size: 1.25rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  color: var(--color-accent-navy);
}

/* Zone 2: Navigation Links */
.nav-zone {
  display: none;
  align-items: center;
  gap: 1.75rem;
}

@media (min-width: 960px) {
  .nav-zone {
    display: flex;
  }
}

.nav-link {
  color: var(--color-text-secondary);
  font-size: 0.9375rem;
  font-weight: 500;
  text-decoration: none;
  white-space: nowrap;
  position: relative;
  padding-top: 0.25rem;
  padding-bottom: 0.25rem;
  transition: color var(--transition-fast);
}

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

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

.nav-link.active::after {
  content: "";
  position: absolute;
  bottom: -4px;
  left: 0;
  right: 0;
  height: 2px;
  background-color: var(--color-accent-primary);
  border-radius: 1px;
}

/* Zone 3: Primary CTA */
.action-zone {
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-shrink: 0;
}

/* Hide header CTA and back-to-home button on mobile devices; show only on desktop */
.action-zone .btn {
  display: none;
}

.btn-back-home {
  display: none;
  align-items: center;
  gap: 0.375rem;
}

@media (min-width: 960px) {
  .action-zone .btn,
  .btn-back-home {
    display: inline-flex;
  }
}

.mobile-menu-toggle {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 2.75rem;
  height: 2.75rem;
  background: transparent;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  color: var(--color-text-primary);
  cursor: pointer;
}

@media (min-width: 960px) {
  .mobile-menu-toggle {
    display: none;
  }
}

/* Mobile Navigation Overlay */
.mobile-nav-drawer {
  display: none;
  background-color: var(--color-surface);
  border-bottom: 1px solid var(--color-border);
  padding: 1.5rem;
}

.mobile-nav-drawer.is-open {
  display: block;
}

.mobile-nav-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.mobile-nav-link {
  display: block;
  font-size: 1.05rem;
  font-weight: 500;
  color: var(--color-text-primary);
  text-decoration: none;
  padding: 0.5rem 0;
  border-bottom: 1px solid var(--color-surface-subtle);
}

.mobile-nav-cta {
  margin-top: 1rem;
  display: block;
  text-align: center;
}

/* ==========================================================================
   Buttons & Interactive Controls
   Strict single-line text, 2x horizontal padding rule
   ========================================================================== */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-size: 0.9375rem;
  font-weight: 600;
  line-height: 1;
  padding: 0.75rem 1.5rem; /* py-3 px-6 = ~2x horizontal padding */
  border-radius: var(--radius-md);
  text-decoration: none;
  white-space: nowrap;
  flex-shrink: 0;
  cursor: pointer;
  border: 1px solid transparent;
  transition: background-color var(--transition-fast), color var(--transition-fast), border-color var(--transition-fast), box-shadow var(--transition-fast);
}

.btn-primary {
  background-color: var(--color-accent-navy);
  color: #ffffff;
}

.btn-primary:hover {
  background-color: #081a2e;
  box-shadow: var(--shadow-sm);
}

.btn-accent {
  background-color: var(--color-accent-primary);
  color: #ffffff;
}

.btn-accent:hover {
  background-color: var(--color-accent-hover);
  box-shadow: var(--shadow-sm);
}

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

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

.btn-lg {
  padding: 0.875rem 1.75rem;
  font-size: 1rem;
}

.btn-full {
  width: 100%;
}

/* ==========================================================================
   Hero Section: Two-Column Desktop
   Left: Copy, Primary CTA, Secondary Link, Figures
   Right: High-Fidelity Responsive Vector / Graphic
   ========================================================================== */

.hero-section {
  padding-top: 3.5rem;
  padding-bottom: 4.5rem;
  background: linear-gradient(180deg, #ffffff 0%, var(--color-canvas) 100%);
  border-bottom: 1px solid var(--color-border);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 3rem;
  align-items: center;
}

@media (min-width: 992px) {
  .hero-grid {
    grid-template-columns: 1.15fr 0.85fr;
    gap: 4rem;
  }
}

.hero-kicker {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-accent-primary);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 0.875rem;
}

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

.hero-description {
  font-size: 1.125rem;
  line-height: 1.6;
  color: var(--color-text-secondary);
  margin-bottom: 2rem;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 1rem;
  margin-bottom: 2.5rem;
}

/* Required Three Loan Figures Strip */
.figures-card {
  background-color: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 1.25rem 1.5rem;
  box-shadow: var(--shadow-sm);
}

.figures-grid {
  display: grid;
  grid-template-columns: repeat(1, 1fr);
  gap: 1.25rem;
}

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

.figure-item {
  display: flex;
  flex-direction: column;
  min-width: 0;
}

.figure-label {
  font-size: 0.8125rem;
  color: var(--color-text-muted);
  font-weight: 500;
  margin-bottom: 0.35rem;
  white-space: nowrap;
}

.figure-value {
  font-family: var(--font-sans);
  font-variant-numeric: tabular-nums;
  font-size: clamp(1.05rem, 1.4vw, 1.25rem);
  font-weight: 800;
  color: var(--color-accent-navy);
  letter-spacing: -0.02em;
  white-space: nowrap;
  line-height: 1.25;
}

.figure-note {
  margin-top: 1rem;
  padding-top: 0.875rem;
  border-top: 1px solid var(--color-surface-subtle);
  font-size: 0.75rem;
  line-height: 1.45;
  color: var(--color-text-muted);
}

/* Hero Right Column: Graphic */
.hero-visual-wrapper {
  position: relative;
  display: flex;
  justify-content: center;
  align-items: center;
}

.hero-visual-card {
  width: 100%;
  max-width: 520px;
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: 0 10px 25px -5px rgba(15, 23, 42, 0.1), 0 8px 10px -6px rgba(15, 23, 42, 0.06);
  border: 1px solid var(--color-border);
  background-color: var(--color-surface);
}

.hero-visual-img {
  width: 100%;
  height: auto;
  display: block;
  border-radius: var(--radius-xl);
  object-fit: cover;
  aspect-ratio: 1402 / 1122;
}

/* ==========================================================================
   Trust & Security Safeguards Strip
   ========================================================================== */
.trust-strip-section {
  padding: 1.5rem 0;
  margin-top: -1rem;
  margin-bottom: 1.5rem;
  position: relative;
  z-index: 10;
}

.trust-strip-card {
  background-color: #ffffff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: 1.5rem 1.75rem;
  box-shadow: 0 4px 6px -1px rgba(15, 23, 42, 0.05), 0 2px 4px -2px rgba(15, 23, 42, 0.03);
}

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

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

@media (min-width: 1024px) {
  .trust-grid {
    grid-template-columns: repeat(4, 1fr);
    gap: 1.75rem;
  }
}

.trust-item {
  display: flex;
  align-items: flex-start;
  gap: 0.875rem;
}

.trust-icon-box {
  width: 2.5rem;
  height: 2.5rem;
  border-radius: var(--radius-md);
  background-color: var(--color-accent-surface);
  color: var(--color-accent-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.trust-icon-box.teal {
  background-color: var(--color-accent-teal-soft);
  color: var(--color-accent-teal);
}

.trust-title {
  font-size: 0.9375rem;
  font-weight: 700;
  color: var(--color-text-primary);
  margin-bottom: 0.25rem;
  line-height: 1.3;
}

.trust-desc {
  font-size: 0.8125rem;
  color: var(--color-text-muted);
  line-height: 1.45;
  margin: 0;
}

/* ==========================================================================
   Section Common Formatting
   ========================================================================== */

.section {
  padding-top: 4.5rem;
  padding-bottom: 4.5rem;
}

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

.section-header {
  margin-bottom: 3rem;
}

.section-header.text-center {
  text-align: center;
}

.section-header.text-center p {
  margin-left: auto;
  margin-right: auto;
}

.section-kicker {
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--color-accent-teal);
  margin-bottom: 0.5rem;
}

.section-title {
  margin-bottom: 0.875rem;
}

.section-subtitle {
  font-size: 1.05rem;
  color: var(--color-text-muted);
}

/* ==========================================================================
   Transparency & Considerations Cards
   ========================================================================== */

.cards-grid-3 {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}

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

.card {
  background-color: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition-normal), border-color var(--transition-normal);
}

.card:hover {
  box-shadow: var(--shadow-card);
  border-color: var(--color-border-subtle);
}

.card-icon {
  width: 2.75rem;
  height: 2.75rem;
  border-radius: var(--radius-md);
  background-color: var(--color-accent-surface);
  color: var(--color-accent-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
}

.card-title {
  margin-bottom: 0.625rem;
}

.card-text {
  font-size: 0.9375rem;
  color: var(--color-text-secondary);
  line-height: 1.55;
}

/* ==========================================================================
   What Is an Installment Loan (Glossary & Explanation)
   ========================================================================== */

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

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

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

.glossary-item {
  background-color: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 1.25rem;
}

.glossary-term {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--color-accent-navy);
  margin-bottom: 0.375rem;
}

.glossary-def {
  font-size: 0.875rem;
  color: var(--color-text-secondary);
  line-height: 1.5;
}

/* Callout Box (Subtle hairline border, no thick left bar) */
.callout-box {
  background-color: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  margin-top: 2rem;
  display: flex;
  gap: 1.25rem;
  align-items: flex-start;
}

.callout-icon {
  flex-shrink: 0;
  width: 2rem;
  height: 2rem;
  color: var(--color-accent-teal);
}

.callout-content {
  font-size: 0.9375rem;
  color: var(--color-text-secondary);
}

/* ==========================================================================
   How It Works: 3 Simple Steps
   ========================================================================== */

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

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

.step-card {
  background-color: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 2rem 1.5rem;
  position: relative;
}

.step-number {
  font-family: var(--font-mono);
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--color-accent-primary);
  margin-bottom: 0.75rem;
  letter-spacing: 0.05em;
}

.step-title {
  margin-bottom: 0.75rem;
  font-size: 1.2rem;
}

.step-desc {
  font-size: 0.9375rem;
  color: var(--color-text-secondary);
  line-height: 1.6;
}

/* ==========================================================================
   Installment Loan Calculator
   ========================================================================== */

.calculator-card {
  background-color: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: 2rem;
  box-shadow: var(--shadow-card);
}

@media (min-width: 768px) {
  .calculator-card {
    padding: 2.75rem;
  }
}

.calculator-layout {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2.5rem;
}

@media (min-width: 992px) {
  .calculator-layout {
    grid-template-columns: 1.15fr 0.85fr;
    gap: 3.5rem;
  }
}

.calc-group {
  margin-bottom: 1.75rem;
}

.calc-label-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 0.625rem;
}

.calc-label {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--color-text-primary);
}

.calc-input-wrapper {
  display: flex;
  align-items: center;
  gap: 0.25rem;
  background-color: var(--color-surface-subtle);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  padding: 0.25rem 0.625rem;
}

.calc-input-prefix,
.calc-input-suffix {
  font-size: 0.875rem;
  color: var(--color-text-muted);
  font-weight: 600;
}

.calc-number-input {
  width: 5.5rem;
  font-size: 0.9375rem;
  font-weight: 700;
  color: var(--color-accent-navy);
  background: transparent;
  border: none;
  text-align: right;
  font-family: var(--font-mono);
}

.calc-range-slider {
  width: 100%;
  height: 6px;
  -webkit-appearance: none;
  appearance: none;
  background: var(--color-surface-muted);
  border-radius: 3px;
  outline: none;
  cursor: pointer;
}

.calc-range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--color-accent-primary);
  border: 2px solid #ffffff;
  box-shadow: var(--shadow-sm);
  cursor: pointer;
  transition: transform var(--transition-fast), background-color var(--transition-fast);
}

.calc-range-slider::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--color-accent-primary);
  border: 2px solid #ffffff;
  box-shadow: var(--shadow-sm);
  cursor: pointer;
}

.calc-range-slider:focus-visible::-webkit-slider-thumb {
  outline: 2px solid var(--color-accent-navy);
  outline-offset: 3px;
}

.calc-range-bounds {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  color: var(--color-text-muted);
  margin-top: 0.375rem;
  font-family: var(--font-mono);
}

/* Calculator Output Panel */
.calc-output-panel {
  background-color: var(--color-surface-subtle);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.calc-output-primary {
  padding-bottom: 1.5rem;
  border-bottom: 1px solid var(--color-border);
  margin-bottom: 1.5rem;
}

.calc-primary-label {
  font-size: 0.875rem;
  color: var(--color-text-muted);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 0.375rem;
}

.calc-primary-value {
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--color-accent-navy);
  line-height: 1.1;
  font-family: var(--font-mono);
}

.calc-output-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.625rem 0;
  border-bottom: 1px solid rgba(226, 232, 240, 0.6);
  font-size: 0.9375rem;
}

.calc-output-label {
  color: var(--color-text-secondary);
}

.calc-output-val {
  font-weight: 700;
  color: var(--color-accent-navy);
  font-family: var(--font-mono);
}

/* Repayment Breakdown Bar */
.calc-breakdown-wrapper {
  margin-top: 1.25rem;
}

.calc-breakdown-labels {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  margin-bottom: 0.375rem;
  color: var(--color-text-muted);
}

.calc-breakdown-bar {
  display: flex;
  height: 10px;
  border-radius: 5px;
  overflow: hidden;
  background-color: var(--color-border);
}

.calc-bar-principal {
  background-color: var(--color-accent-navy);
  transition: width var(--transition-normal);
}

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

.calc-output-disclaimer {
  margin-top: 1.25rem;
  font-size: 0.75rem;
  line-height: 1.45;
  color: var(--color-text-muted);
}

/* ==========================================================================
   Loan Repayment Comparison Table
   ========================================================================== */

.table-responsive-wrapper {
  width: 100%;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  background-color: #ffffff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-card);
  margin-top: 2rem;
  margin-bottom: 1.5rem;
}

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
  font-size: 0.9375rem;
  white-space: nowrap;
}

.comparison-table th,
.comparison-table td {
  padding: 1.125rem 1.5rem;
  border-bottom: 1px solid var(--color-border);
}

.comparison-table thead th {
  background-color: var(--color-canvas);
  color: var(--color-text-primary);
  font-weight: 700;
  font-size: 0.8125rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

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

.comparison-table tbody tr:hover {
  background-color: rgba(241, 245, 249, 0.7);
}

.table-amount {
  font-weight: 800;
  color: var(--color-accent-navy);
  font-variant-numeric: tabular-nums;
  font-size: 1.05rem;
}

.table-monthly {
  font-weight: 700;
  color: var(--color-accent-primary);
  font-variant-numeric: tabular-nums;
  font-size: 1rem;
}

.table-number {
  font-variant-numeric: tabular-nums;
}

.table-badge-term {
  display: inline-block;
  font-weight: 600;
  color: var(--color-text-secondary);
}

/* ==========================================================================
   Common Borrowing Considerations & Eligibility
   ========================================================================== */

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

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

.checklist {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.checklist-item {
  display: flex;
  align-items: flex-start;
  gap: 0.875rem;
}

.checklist-icon {
  flex-shrink: 0;
  width: 1.25rem;
  height: 1.25rem;
  color: var(--color-accent-teal);
  margin-top: 0.15rem;
}

.checklist-content strong {
  display: block;
  color: var(--color-text-primary);
  font-size: 0.95rem;
}

.checklist-content span {
  font-size: 0.875rem;
  color: var(--color-text-secondary);
}

/* ==========================================================================
   Responsible Borrowing Callout / Principles
   ========================================================================== */

.responsible-box {
  background-color: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: 2.25rem;
}

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

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

/* ==========================================================================
   FAQ Section: Accessible Accordion
   ========================================================================== */

.faq-list {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

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

.faq-item:hover {
  border-color: var(--color-border-subtle);
}

.faq-question-btn {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.25rem 1.5rem;
  background: transparent;
  border: none;
  text-align: left;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--color-text-primary);
  cursor: pointer;
  gap: 1rem;
}

.faq-icon {
  flex-shrink: 0;
  width: 1.25rem;
  height: 1.25rem;
  color: var(--color-accent-primary);
  transition: transform var(--transition-fast);
}

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

.faq-answer {
  display: none;
  padding: 0 1.5rem 1.25rem 1.5rem;
  font-size: 0.9375rem;
  line-height: 1.6;
  color: var(--color-text-secondary);
  border-top: 1px solid var(--color-surface-subtle);
  padding-top: 1rem;
}

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

/* ==========================================================================
   Final Conversion Action Section
   ========================================================================== */

.cta-section {
  background-color: var(--color-accent-navy);
  color: #ffffff;
  padding: 5rem 0;
  text-align: center;
}

.cta-section h2 {
  color: #ffffff;
  margin-bottom: 1rem;
}

.cta-section p {
  color: #cbd5e1;
  font-size: 1.125rem;
  margin-left: auto;
  margin-right: auto;
  margin-bottom: 2rem;
}

.cta-actions {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 1rem;
  margin-bottom: 1.5rem;
}

.cta-disclaimer {
  font-size: 0.8125rem;
  color: #94a3b8;
  max-width: 600px;
  margin-left: auto;
  margin-right: auto;
}

/* ==========================================================================
   Footer & Disclosures
   ========================================================================== */

.site-footer {
  background-color: #0b1524;
  color: #94a3b8;
  padding-top: 4rem;
  padding-bottom: 2.5rem;
  border-top: 1px solid #1e293b;
  font-size: 0.875rem;
}

.footer-nav-grid {
  display: grid;
  grid-template-columns: repeat(1, 1fr);
  gap: 2.5rem;
  margin-bottom: 3.5rem;
}

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

@media (min-width: 992px) {
  .footer-nav-grid {
    grid-template-columns: 1.5fr 1fr 1fr;
  }
}

.footer-col-title {
  color: #ffffff;
  font-size: 0.9375rem;
  font-weight: 700;
  margin-bottom: 1.25rem;
  letter-spacing: -0.01em;
}

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

.footer-link {
  color: #94a3b8;
  text-decoration: none;
  transition: color var(--transition-fast);
}

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

.footer-disclosures {
  padding-top: 2.5rem;
  border-top: 1px solid #1e293b;
  margin-bottom: 2rem;
  width: 100%;
}

.disclosure-title {
  color: #cbd5e1;
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 0.75rem;
  width: 100%;
}

.footer-disclosures p,
.disclosure-text {
  max-width: 100%;
  width: 100%;
  font-size: 0.75rem;
  line-height: 1.65;
  color: #64748b;
  margin-bottom: 0.875rem;
}

.footer-bottom {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding-top: 1.5rem;
  border-top: 1px solid #1e293b;
  font-size: 0.75rem;
  color: #64748b;
}

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

/* Metadata pill-free discipline: unboxed text with subtle typographic separators */
.meta-unboxed {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.8125rem;
  color: var(--color-text-muted);
}

.meta-separator {
  color: var(--color-border-subtle);
}

/* ==========================================================================
   Supporting Sub-Page Content Layouts
   ========================================================================== */

.page-hero {
  padding-top: 3.5rem;
  padding-bottom: 3.5rem;
  background-color: #ffffff;
  border-bottom: 1px solid var(--color-border);
}

.page-hero h1 {
  margin-bottom: 1rem;
}

.breadcrumbs {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.8125rem;
  color: var(--color-text-muted);
  margin-bottom: 1.25rem;
}

.breadcrumbs a {
  color: var(--color-text-muted);
  text-decoration: none;
}

.breadcrumbs a:hover {
  color: var(--color-accent-primary);
}

.content-block {
  margin-bottom: 2.5rem;
}

.content-block h2 {
  margin-bottom: 1rem;
}

.content-block h3 {
  margin-top: 1.5rem;
  margin-bottom: 0.75rem;
}

.content-block ul,
.content-block ol {
  margin-left: 1.5rem;
  margin-bottom: 1.25rem;
}

.content-block li {
  margin-bottom: 0.5rem;
}

/* Form Controls (Accessible & validated) */
.form-group {
  margin-bottom: 1.25rem;
}

.form-label {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-text-primary);
  margin-bottom: 0.375rem;
}

.form-input,
.form-select,
.form-textarea {
  width: 100%;
  padding: 0.75rem 1rem;
  font-size: 0.9375rem;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  background-color: var(--color-surface);
  color: var(--color-text-primary);
  font-family: inherit;
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}

.form-input:focus,
.form-select:focus,
.form-textarea:focus {
  outline: none;
  border-color: var(--color-accent-primary);
  box-shadow: 0 0 0 3px rgba(29, 78, 216, 0.15);
}

.form-textarea {
  resize: vertical;
  min-height: 120px;
}

.form-hint {
  font-size: 0.75rem;
  color: var(--color-text-muted);
  margin-top: 0.25rem;
}

/* ==========================================================================
   External Embed Form Container
   ========================================================================== */

.external-form-card {
  background-color: #ffffff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: 20px;
  box-shadow: var(--shadow-card);
  min-height: 480px;
  width: 100%;
  margin: 0 auto;
}

@media (min-width: 768px) {
  .external-form-card {
    padding: 20px;
  }
}

.external-form-card iframe {
  width: 100%;
  min-height: 450px;
  border: none;
  display: block;
}

.external-form-placeholder {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  min-height: 380px;
  border: 2px dashed var(--color-border-subtle);
  border-radius: var(--radius-lg);
  padding: 2.5rem 1.5rem;
  text-align: center;
  background-color: var(--color-canvas);
  color: var(--color-text-muted);
}

.external-form-placeholder-icon {
  width: 3.5rem;
  height: 3.5rem;
  margin-bottom: 1.25rem;
  color: var(--color-accent-teal);
  opacity: 0.85;
}

.external-form-placeholder-title {
  font-size: 1.15rem;
  font-weight: 600;
  color: var(--color-text-primary);
  margin-bottom: 0.5rem;
}

.external-form-placeholder-text {
  font-size: 0.875rem;
  color: var(--color-text-muted);
  max-width: 480px;
  line-height: 1.55;
}

.form-feedback-success {
  display: none;
  background-color: var(--color-accent-teal-soft);
  border: 1px solid #99f6e4;
  color: #115e59;
  padding: 1rem 1.25rem;
  border-radius: var(--radius-md);
  margin-bottom: 1.5rem;
  font-size: 0.9375rem;
}