/*-------------------------------------------------------------------------------------
                                            ROOT VARIABLES
--------------------------------------------------------------------------------------*/
:root {
    --primary-blue: #0052cc;
    --hero-gradient: linear-gradient(135deg, #0061ff 0%, #0033aa 100%);
    --bg-light: #f8fafc;
    --white: #ffffff;
    --text-main: #1e293b;
    --text-muted: #64748b;
    --border-color: #e2e8f0;
    --shadow-sm: 0 2px 4px rgba(0, 0, 0, 0.05);
    --shadow-md: 0 10px 15px -3px rgba(0, 0, 0, 0.1);
    --radius: 12px;
    --transition: all 0.3s ease;
    --success-bg: #ecfdf5;
    --success-text: #047857;
    --warning-bg: #fff7ed;
    --warning-text: #c2410c;
    --danger-bg: #fef2f2;
    --danger-text: #b91c1c;
}

/*-------------------------------------------------------------------------------------
                                            GLOBAL RESET
--------------------------------------------------------------------------------------*/
*,
*::before,
*::after {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    margin: 0;
    font-family: "Inter", sans-serif;
    color: var(--text-main);
    background: var(--white);
    line-height: 1.65;
}

img {
    max-width: 100%;
    display: block;
}

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

main {
    overflow: hidden;
}

/*-------------------------------------------------------------------------------------
                                          LAYOUT & UTILITIES
--------------------------------------------------------------------------------------*/
.container {
    width: 100%;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 16px;
}

.hero-container {
    max-width: 1240px;
}

.narrow-container {
    max-width: 900px;
}

.section-padding {
    padding: 72px 0;
}

.bg-light {
    background: var(--bg-light);
}

.bg-white {
    background: var(--white);
}

/* LEFT-ALIGNED BY DEFAULT */
.section-header {
    max-width: 760px;
    margin: 0 0 32px;
    text-align: left;
}

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

.section-header p:last-child,
.content-flow p:last-child {
    margin-bottom: 0;
}

/* LEFT-ALIGNED NARROW / FAQ WRAPPERS */
.container.narrow-container,
.container.faq-container {
    margin-left: 0;
    margin-right: 0;
}

/*-------------------------------------------------------------------------------------
                                            TYPOGRAPHY
--------------------------------------------------------------------------------------*/
h1,
h2,
h3,
h4 {
    margin-top: 0;
    line-height: 1.2;
    color: var(--text-main);
}

h1 {
    font-size: clamp(2.3rem, 4vw, 3.4rem);
    font-weight: 800;
    letter-spacing: -0.03em;
    margin-bottom: 16px;
}

h2 {
    font-size: clamp(1.75rem, 3vw, 2.3rem);
    font-weight: 800;
    letter-spacing: -0.02em;
    margin-bottom: 12px;
}

h3 {
    font-size: 1.05rem;
    font-weight: 700;
    margin-bottom: 10px;
}

h4 {
    font-size: 0.98rem;
    font-weight: 700;
    margin-bottom: 10px;
}

p {
    margin: 0 0 16px;
    color: var(--text-muted);
    font-size: 0.98rem;
}

code {
    font-family: "Inter", sans-serif;
    font-size: 0.95rem;
}

.eyebrow {
    display: inline-block;
    background: rgba(255, 255, 255, 0.14);
    color: #ffffff;
    padding: 6px 12px;
    border-radius: 999px;
    font-size: 0.74rem;
    font-weight: 700;
    letter-spacing: 0.05em;
    margin-bottom: 16px;
    text-transform: uppercase;
}

.section-label {
    display: inline-block;
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--primary-blue);
    margin-bottom: 10px;
}

.content-flow p {
    color: var(--text-main);
    line-height: 1.75;
}

.content-flow a,
.info-card a,
.step-card a,
.benefit-card a,
.mistake-card a,
.tip-card a,
.related-intro a {
    color: var(--primary-blue);
    font-weight: 600;
    text-decoration: none;
    text-underline-offset: 3px;
    text-decoration-thickness: 1.5px;
}

.content-flow a:hover,
.info-card a:hover,
.step-card a:hover,
.benefit-card a:hover,
.mistake-card a:hover,
.tip-card a:hover,
.related-intro a:hover {
    color: #003ea3;
}

/*-------------------------------------------------------------------------------------
                                            BREADCRUMB
--------------------------------------------------------------------------------------*/
.breadcrumb {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 26px;
    color: rgba(255, 255, 255, 0.84);
    font-size: 0.9rem;
}

.breadcrumb a {
    color: rgba(255, 255, 255, 0.92);
}

.breadcrumb span[aria-current="page"] {
    color: rgba(255, 255, 255, 0.78);
}

/*-------------------------------------------------------------------------------------
                                            HERO SECTION
--------------------------------------------------------------------------------------*/
.loan-hero {
    padding: 56px 0 72px;
    background: var(--hero-gradient);
    color: var(--white);
}

.hero-content {
    display: grid;
    grid-template-columns: minmax(0, 1.2fr) minmax(300px, 380px);
    gap: 28px;
    align-items: start;
}

.hero-text {
    max-width: 760px;
}

.hero-text h1,
.hero-card h2 {
    color: var(--white);
}

.hero-intro {
    color: rgba(255, 255, 255, 0.95);
    max-width: 720px;
    font-size: 1.04rem;
}

.hero-support {
    color: rgba(255, 255, 255, 0.84);
    max-width: 720px;
}

.hero-points {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin: 24px 0 0;
}

.hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
    margin-top: 24px;
}

.hero-card {
    padding: 24px;
    border-radius: 16px;
    background: rgba(255, 255, 255, 0.1);
    border: 1px solid rgba(255, 255, 255, 0.18);
    box-shadow: var(--shadow-sm);
}

.hero-card-badge {
    display: inline-block;
    margin-bottom: 14px;
    padding: 5px 10px;
    font-size: 0.78rem;
    font-weight: 700;
    color: var(--white);
    background: rgba(255, 255, 255, 0.14);
    border-radius: 999px;
}

.hero-card p,
.hero-card li {
    color: rgba(255, 255, 255, 0.86);
}

.hero-card-list {
    margin: 16px 0 0;
    padding-left: 18px;
}

.hero-card-list li + li {
    margin-top: 8px;
}

/*-------------------------------------------------------------------------------------
                                            BUTTONS
--------------------------------------------------------------------------------------*/
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 46px;
    padding: 12px 20px;
    border-radius: 999px;
    font-weight: 700;
    border: 1px solid transparent;
    transition: var(--transition);
    cursor: pointer;
    font-family: inherit;
    font-size: 0.96rem;
}

.btn-primary,
.btn-solid {
    background: var(--white);
    color: var(--primary-blue);
    box-shadow: var(--shadow-sm);
    border-color: #0061ff;
}

.btn-primary:hover,
.btn-solid:hover {
    transform: translateY(-1px);
}

.btn-secondary {
    background: transparent;
    color: var(--white);
    border-color: rgba(255, 255, 255, 0.28);
}

.btn-secondary:hover {
    background: rgba(255, 255, 255, 0.08);
}

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

.btn-outline:hover {
    background: var(--bg-light);
}

/*-------------------------------------------------------------------------------------
                                          SHARED CARD STYLES
--------------------------------------------------------------------------------------*/
.feature-panel,
.info-card,
.step-card,
.benefit-card,
.mistake-card,
.tip-card,
.related-card,
.disclaimer-card,
.audience-item,
.cta-card,
.calculator-card,
.summary-item,
.snapshot-card,
.interpretation-card,
.formula-box {
    border-radius: 14px;
    background: var(--white);
    border: 1px solid var(--border-color);
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
}

.info-card,
.step-card,
.benefit-card,
.mistake-card,
.tip-card,
.related-card {
    padding: 22px;
}

.feature-panel {
    padding: 28px;
}

.info-card:hover,
.step-card:hover,
.benefit-card:hover,
.mistake-card:hover,
.tip-card:hover,
.related-card:hover,
.audience-item:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

/*-------------------------------------------------------------------------------------
                                            QUICK NAV
--------------------------------------------------------------------------------------*/
.quick-nav-section {
    margin-top: 16px;
    padding: 24px 0;
    border-bottom: 1px solid var(--border-color);
}

.quick-nav-simple h2 {
    font-size: 1.1rem;
    margin-bottom: 10px;
    font-weight: 700;
    text-align: left;
}

.quick-nav-links {
    display: flex;
    flex-wrap: wrap;
    gap: 12px 18px;
    justify-content: flex-start;
}

.quick-nav-links a {
    font-size: 0.95rem;
    color: var(--primary-blue);
    font-weight: 500;
    line-height: 1.6;
    padding: 4px 0;
    border-bottom: 1px solid transparent;
}

.quick-nav-links a:hover {
    color: var(--primary-blue);
    border-bottom: 1px solid var(--primary-blue);
}

/*-------------------------------------------------------------------------------------
                                         CALCULATOR SECTION
--------------------------------------------------------------------------------------*/
.calculator-layout {
    display: grid;
    grid-template-columns: minmax(0, 1.1fr) minmax(320px, 420px);
    gap: 24px;
    align-items: start;
}

.calculator-card {
    padding: 24px;
}

.card-intro {
    font-size: 0.94rem;
    margin-bottom: 18px;
}

.calculator-form {
    display: block;
}

.form-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 16px;
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.form-group label {
    font-size: 0.92rem;
    font-weight: 700;
    color: var(--text-main);
}

.form-group input,
.form-group select {
    width: 100%;
    min-height: 48px;
    padding: 12px 14px;
    border: 1px solid var(--border-color);
    border-radius: 12px;
    background: var(--white);
    color: var(--text-main);
    font-family: inherit;
    font-size: 0.96rem;
    transition: var(--transition);
}

.form-group input:focus,
.form-group select:focus {
    outline: none;
    border-color: rgba(0, 82, 204, 0.4);
    box-shadow: 0 0 0 4px rgba(0, 82, 204, 0.08);
}

.form-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
    margin-top: 22px;
}

.result-header {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    gap: 14px;
    margin-bottom: 18px;
}

.status-badge {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 36px;
    padding: 8px 12px;
    border-radius: 999px;
    font-size: 0.8rem;
    font-weight: 700;
    white-space: nowrap;
}

.status-badge.manageable {
    background: var(--success-bg);
    color: var(--success-text);
}

.status-badge.moderate {
    background: var(--warning-bg);
    color: var(--warning-text);
}

.status-badge.heavy {
    background: var(--danger-bg);
    color: var(--danger-text);
}

.result-highlight {
    padding: 20px;
    border-radius: 14px;
    background: linear-gradient(180deg, rgba(0, 82, 204, 0.04), rgba(0, 82, 204, 0.02));
    border: 1px solid rgba(0, 82, 204, 0.1);
    margin-bottom: 18px;
}

.result-highlight .result-label {
    display: inline-block;
    font-size: 0.8rem;
    font-weight: 700;
    letter-spacing: 0.04em;
    text-transform: uppercase;
    color: var(--primary-blue);
    margin-bottom: 8px;
}

.result-highlight strong {
    display: block;
    font-size: clamp(1.9rem, 3vw, 2.5rem);
    line-height: 1.1;
    color: var(--text-main);
    margin-bottom: 10px;
}

.summary-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 14px;
    margin-bottom: 18px;
}

.summary-item {
    padding: 18px;
}

.summary-item span {
    display: block;
    font-size: 0.82rem;
    font-weight: 700;
    color: var(--text-muted);
    text-transform: uppercase;
    letter-spacing: 0.04em;
    margin-bottom: 8px;
}

.summary-item strong {
    font-size: 1rem;
    color: var(--text-main);
}

.snapshot-card,
.interpretation-card {
    padding: 20px;
}

.snapshot-card {
    margin-bottom: 18px;
}

.snapshot-list {
    display: grid;
    gap: 12px;
}

.snapshot-row {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    gap: 14px;
    padding-bottom: 12px;
    border-bottom: 1px solid var(--border-color);
}

.snapshot-row:last-child {
    padding-bottom: 0;
    border-bottom: 0;
}

.snapshot-row span {
    color: var(--text-muted);
    font-size: 0.94rem;
}

.snapshot-row strong {
    text-align: right;
    color: var(--text-main);
    font-size: 0.95rem;
}

/*-------------------------------------------------------------------------------------
                                            CONTENT BLOCKS
--------------------------------------------------------------------------------------*/
.snippet-list {
    margin: 0 0 18px;
    padding-left: 18px;
    color: var(--text-main);
}

.snippet-list li {
    margin-bottom: 8px;
    color: var(--text-main);
}

.formula-box {
    padding: 18px 20px;
    margin: 18px 0;
    background: #f9fbff;
    border-color: rgba(0, 82, 204, 0.12);
}

.formula-box p:last-child {
    margin-bottom: 0;
}

/*-------------------------------------------------------------------------------------
                                         GRID LAYOUTS
--------------------------------------------------------------------------------------*/
.method-grid,
.steps-grid,
.benefits-grid,
.mistakes-grid,
.tips-grid,
.related-grid,
.audience-grid {
    display: grid;
    gap: 18px;
}

.method-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
}

.steps-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.benefits-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.mistakes-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.tips-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.related-grid {
    grid-template-columns: repeat(4, minmax(0, 1fr));
}

.audience-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
}

/*-------------------------------------------------------------------------------------
                                         STEP / BENEFIT / AUDIENCE
--------------------------------------------------------------------------------------*/
.step-number {
    display: inline-flex;
    width: 38px;
    height: 38px;
    align-items: center;
    justify-content: center;
    margin-bottom: 14px;
    border-radius: 50%;
    background: var(--hero-gradient);
    color: var(--white);
    font-weight: 800;
    font-size: 0.95rem;
}

.benefit-card i,
.audience-item i {
    color: var(--primary-blue);
}

.benefit-card i {
    display: inline-flex;
    width: 46px;
    height: 46px;
    align-items: center;
    justify-content: center;
    margin-bottom: 14px;
    border-radius: 12px;
    background: rgba(0, 82, 204, 0.08);
    font-size: 1rem;
}

.audience-item {
    display: flex;
    gap: 12px;
    align-items: flex-start;
    padding: 18px;
}

.audience-item i {
    font-size: 0.98rem;
    margin-top: 4px;
}

.audience-item span {
    color: var(--text-main);
    font-weight: 600;
}

/*-------------------------------------------------------------------------------------
                                           RELATED CARDS
--------------------------------------------------------------------------------------*/
.related-intro {
    margin-bottom: 20px;
}

.related-card {
    color: inherit;
}

.related-card h3 {
    color: var(--text-main);
}

.related-card span {
    display: inline-flex;
    gap: 8px;
    align-items: center;
    margin-top: 8px;
    color: var(--primary-blue);
    font-weight: 700;
}

.related-card span i {
    font-size: 0.86rem;
}

/*-------------------------------------------------------------------------------------
                                                FAQ
--------------------------------------------------------------------------------------*/
.faq-container {
    max-width: 980px;
}

.faq-list {
    display: grid;
    gap: 12px;
}

.faq-item {
    border: 1px solid var(--border-color);
    border-radius: 14px;
    background: var(--white);
    box-shadow: var(--shadow-sm);
    overflow: hidden;
}

.faq-question {
    list-style: none;
    width: 100%;
    padding: 18px 20px;
    border: 0;
    background: transparent;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 16px;
    text-align: left;
    cursor: pointer;
    font: inherit;
    color: var(--text-main);
    font-weight: 700;
}

.faq-question::-webkit-details-marker {
    display: none;
}

.faq-question i {
    color: var(--primary-blue);
    transition: var(--transition);
    flex-shrink: 0;
}

.faq-item[open] .faq-question i {
    transform: rotate(45deg);
}

.faq-answer p {
    padding: 0 20px 18px;
    margin: 0;
}

/*-------------------------------------------------------------------------------------
                                       DISCLAIMER & CTA
--------------------------------------------------------------------------------------*/
.disclaimer-card {
    display: grid;
    grid-template-columns: 64px 1fr;
    gap: 18px;
    padding: 24px;
    align-items: start;
}

.disclaimer-icon {
    width: 54px;
    height: 54px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    border-radius: 14px;
    background: rgba(0, 82, 204, 0.08);
    color: var(--primary-blue);
    font-size: 1.1rem;
}

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

/* LEFT-ALIGNED CTA */
.cta-card {
    padding: 36px 28px;
    text-align: left;
}

.cta-card p {
    max-width: 720px;
    margin-left: 0;
    margin-right: 0;
}

.cta-card-primary {
    background: var(--hero-gradient);
    border-color: transparent;
}

.cta-card-primary h2,
.cta-card-primary p {
    color: var(--white);
}

.cta-actions {
    display: flex;
    justify-content: flex-start;
    align-items: center;
    gap: 14px;
    margin-top: 20px;
    flex-wrap: wrap;
}

/*-------------------------------------------------------------------------------------
                                            RESPONSIVE
--------------------------------------------------------------------------------------*/
@media (max-width: 1200px) {
    .related-grid {
        grid-template-columns: repeat(3, minmax(0, 1fr));
    }
}

@media (max-width: 1100px) {
    .steps-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .benefits-grid,
    .mistakes-grid,
    .tips-grid,
    .related-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

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

@media (max-width: 900px) {
    .section-padding {
        padding: 62px 0;
    }

    .hero-content,
    .method-grid,
    .audience-grid,
    .form-grid,
    .summary-grid {
        grid-template-columns: 1fr;
    }

    .hero-text {
        max-width: 100%;
    }

    .result-header {
        flex-direction: column;
        align-items: flex-start;
    }
}

@media (max-width: 768px) {
    .quick-nav-simple h2 {
        font-size: 1rem;
    }

    .quick-nav-links {
        gap: 8px 12px;
    }

    .quick-nav-links a {
        font-size: 0.9rem;
        padding: 6px 0;
    }
}

@media (max-width: 680px) {
    .loan-hero {
        padding: 42px 0 56px;
    }

    .section-padding {
        padding: 54px 0;
    }

    .steps-grid,
    .benefits-grid,
    .mistakes-grid,
    .tips-grid,
    .related-grid {
        grid-template-columns: 1fr;
    }

    .feature-panel,
    .info-card,
    .step-card,
    .benefit-card,
    .mistake-card,
    .tip-card,
    .related-card,
    .cta-card,
    .hero-card,
    .disclaimer-card,
    .calculator-card,
    .summary-item,
    .snapshot-card,
    .interpretation-card,
    .formula-box {
        padding: 20px;
    }

    .disclaimer-card {
        grid-template-columns: 1fr;
    }

    .hero-actions,
    .cta-actions,
    .form-actions {
        flex-direction: column;
        align-items: stretch;
    }

    .btn {
        width: 100%;
    }

    .faq-question {
        padding: 18px;
    }

    .faq-answer p {
        padding: 0 18px 18px;
    }

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

    .snapshot-row {
        flex-direction: column;
        align-items: flex-start;
    }

    .snapshot-row strong {
        text-align: left;
    }
}

@media (max-width: 480px) {
    .quick-nav-links {
        flex-direction: column;
        gap: 6px;
    }

    .quick-nav-links a {
        display: block;
        width: 100%;
    }
}