/* ============================================
   LendWise - Design System & Styles
   Inspired by Upstart.com
   ============================================ */

/* ---------- CSS Custom Properties ---------- */
:root {
    /* Colors — teal/green brand identity (inspired by upstart.com) */
    --color-primary: #0d9488;
    --color-primary-dark: #0f766e;
    --color-primary-light: #ccfbf1;
    --color-accent: #1a73e8;
    --color-accent-dark: #1557b0;
    --color-accent-light: #e8f0fe;
    --color-text: #1a1a2e;
    --color-text-light: #64748b;
    --color-text-lighter: #94a3b8;
    --color-bg: #ffffff;
    --color-bg-alt: #f8fafc;
    --color-bg-alt2: #f1f5f9;
    --color-border: #e2e8f0;
    --color-border-light: #f1f5f9;
    --color-success: #10b981;
    --color-success-light: #d1fae5;
    --color-warning: #f59e0b;
    --color-warning-light: #fef3c7;
    --color-danger: #ef4444;
    --color-danger-light: #fee2e2;
    --color-info: #3b82f6;
    --color-yellow: #fef08a;

    /* Typography */
    --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    --font-size-xs: 0.75rem;
    --font-size-sm: 0.875rem;
    --font-size-base: 1rem;
    --font-size-lg: 1.125rem;
    --font-size-xl: 1.25rem;
    --font-size-2xl: 1.5rem;
    --font-size-3xl: 1.875rem;
    --font-size-4xl: 2.25rem;
    --font-size-5xl: 3rem;
    --font-size-6xl: 3.75rem;

    /* Spacing */
    --space-xs: 0.25rem;
    --space-sm: 0.5rem;
    --space-md: 1rem;
    --space-lg: 1.5rem;
    --space-xl: 2rem;
    --space-2xl: 3rem;
    --space-3xl: 4rem;
    --space-4xl: 6rem;
    --space-5xl: 8rem;

    /* Layout */
    --max-width: 1200px;
    --header-height: 72px;

    /* Borders & Shadows */
    --radius-sm: 4px;
    --radius-md: 8px;
    --radius-lg: 12px;
    --radius-xl: 16px;
    --radius-2xl: 24px;
    --radius-full: 9999px;
    --shadow-sm: 0 1px 2px rgba(0, 0, 0, 0.05);
    --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -2px rgba(0, 0, 0, 0.1);
    --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1), 0 4px 6px -4px rgba(0, 0, 0, 0.1);
    --shadow-xl: 0 20px 25px -5px rgba(0, 0, 0, 0.1), 0 8px 10px -6px rgba(0, 0, 0, 0.1);

    /* Transitions */
    --transition-fast: 150ms ease;
    --transition-base: 250ms ease;
    --transition-slow: 350ms ease;
}

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

html {
    font-size: 16px;
    scroll-behavior: smooth;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

body {
    font-family: var(--font-sans);
    font-size: var(--font-size-base);
    line-height: 1.6;
    color: var(--color-text);
    background-color: var(--color-bg);
    overflow-x: hidden;
}

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

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

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

ul, ol {
    list-style: none;
}

button {
    cursor: pointer;
    font-family: inherit;
    border: none;
    background: none;
}

input, select, textarea {
    font-family: inherit;
    font-size: inherit;
}

/* ---------- Container ---------- */
.container {
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 0 var(--space-xl);
}

@media (max-width: 768px) {
    .container {
        padding: 0 var(--space-lg);
    }
}

/* ---------- Sections ---------- */
.section {
    padding: var(--space-4xl) 0;
}

.section-sm {
    padding: var(--space-2xl) 0;
}

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

.section-header {
    text-align: center;
    margin-bottom: var(--space-3xl);
    max-width: 700px;
    margin-left: auto;
    margin-right: auto;
}

.section-header h2 {
    font-size: var(--font-size-4xl);
    font-weight: 700;
    color: var(--color-text);
    line-height: 1.2;
    margin-bottom: var(--space-md);
}

.section-header p {
    font-size: var(--font-size-lg);
    color: var(--color-text-light);
    line-height: 1.7;
}

.section-footer {
    text-align: center;
    margin-top: var(--space-2xl);
}

@media (max-width: 768px) {
    .section {
        padding: var(--space-2xl) 0;
    }
    .section-header h2 {
        font-size: var(--font-size-3xl);
    }
}

/* ---------- Page Header ---------- */
.page-header {
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
    color: #fff;
    padding: var(--space-4xl) 0;
}

.page-header-sm {
    padding: var(--space-2xl) 0 var(--space-xl);
}

.page-header h1 {
    font-size: var(--font-size-4xl);
    font-weight: 800;
    margin-bottom: var(--space-sm);
}

.page-header p {
    font-size: var(--font-size-lg);
    opacity: 0.9;
    max-width: 600px;
}

/* ---------- Breadcrumb ---------- */
.breadcrumb {
    font-size: var(--font-size-sm);
    margin-bottom: var(--space-sm);
}

.breadcrumb a {
    color: rgba(255, 255, 255, 0.7);
}

.breadcrumb a:hover {
    color: #fff;
}

.breadcrumb span {
    color: rgba(255, 255, 255, 0.5);
    margin: 0 var(--space-xs);
}

/* ============================================
   HEADER & NAVIGATION
   ============================================ */
.site-header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    height: var(--header-height);
    background: rgba(255, 255, 255, 0.98);
    border-bottom: 1px solid var(--color-border-light);
    transition: box-shadow var(--transition-base);
}

/* Fixed header offset: every page's content sits below the header by default */
.site-main {
    display: block;
    padding-top: var(--header-height);
}

.site-header.scrolled {
    background: rgba(255, 255, 255, 0.98);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    box-shadow: var(--shadow-sm);
}body {
    padding-top: 0; /* header is transparent, hero starts at top */
}

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

.logo {
    display: flex;
    align-items: center;
    gap: var(--space-md);
    font-weight: 700;
    font-size: var(--font-size-xl);
    color: var(--color-text);
    text-decoration: none;
    flex-shrink: 0;
}

.logo-text {
    letter-spacing: -0.5px;
}

.logo-img {
    height: 40px;
    width: auto;
    max-width: 180px;
    display: block;
    object-fit: contain;
}

@media (max-width: 1024px) {
    .logo-img {
        height: 34px;
        max-width: 150px;
    }
}

@media (max-width: 768px) {
    .logo-img {
        height: 30px;
        max-width: 130px;
    }
}

/* Navigation */
.main-nav .nav-list {
    display: flex;
    align-items: center;
    gap: var(--space-xs);
}

.nav-link {
    padding: var(--space-sm) var(--space-md);
    font-size: var(--font-size-sm);
    font-weight: 500;
    color: var(--color-text);
    border-radius: var(--radius-md);
    transition: all var(--transition-fast);
}

.nav-link:hover {
    background: var(--color-bg-alt);
    color: var(--color-primary);
}

.nav-mobile-only {
    display: none;
}

/* Mega Menu (Borrow dropdown) + Simple Dropdown (About, etc.) */
.nav-has-dropdown {
    position: relative;
}

.nav-dropdown-trigger {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background: none;
    border: none;
    cursor: pointer;
    font-family: inherit;
}

.nav-caret {
    transition: transform var(--transition-fast);
}

.nav-has-dropdown:hover .nav-caret,
.nav-has-dropdown.open .nav-caret {
    transform: rotate(180deg);
}

.mega-menu {
    position: absolute;
    /* top:100% (flush against the trigger, no gap) keeps the hover chain unbroken:
       a gap here would be dead space the cursor "falls out" of while moving from
       the trigger down into the panel, instantly hiding it via pointer-events:none.
       The visual breathing room below the trigger comes from padding-top instead,
       which IS part of this element's hoverable box. */
    top: 100%;
    padding-top: 10px;
    /* Default left:0, actual horizontal position is computed in JS (positionDropdownPanel)
       so the panel stays centered under its trigger without overflowing the viewport. */
    left: 0;
    width: 560px;
    max-width: calc(100vw - 24px);
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transition: opacity var(--transition-fast), visibility var(--transition-fast);
    z-index: 1002;
}

.nav-has-dropdown:hover .mega-menu,
.nav-has-dropdown.open .mega-menu {
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
}

/* The visible card (background/shadow/border) lives on the inner wrapper so the
   outer .mega-menu/.simple-menu can stay a transparent, gap-free hover hitbox
   (see padding-top above) that keeps the trigger and panel hover-connected. */
.mega-menu-inner {
    background: #fff;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xl);
    border: 1px solid var(--color-border-light);
    transform: translateY(8px);
    transition: transform var(--transition-fast);
}

.nav-has-dropdown:hover .mega-menu-inner,
.nav-has-dropdown.open .mega-menu-inner {
    transform: translateY(0);
}

/* Simple Dropdown (About, etc.) */
.simple-menu {
    position: absolute;
    top: 100%;
    padding-top: 10px;
    left: 0;
    min-width: 220px;
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transition: opacity var(--transition-fast), visibility var(--transition-fast);
    z-index: 1002;
}

.simple-menu-inner {
    background: #fff;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xl);
    border: 1px solid var(--color-border-light);
    padding: var(--space-sm) var(--space-lg);
    transform: translateY(8px);
    transition: transform var(--transition-fast);
}

.nav-has-dropdown:hover .simple-menu-inner,
.nav-has-dropdown.open .simple-menu-inner {
    transform: translateY(0);
}

.nav-has-dropdown:hover .simple-menu,
.nav-has-dropdown.open .simple-menu {
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
    transform: translateY(0);
}

.simple-menu-link {
    display: block;
    padding: var(--space-sm) 0;
    font-size: var(--font-size-sm);
    font-weight: 500;
    color: var(--color-text);
    border-bottom: 1px solid var(--color-border-light);
    transition: color var(--transition-fast), padding-left var(--transition-fast);
}

.simple-menu-link:last-child {
    border-bottom: none;
}

.simple-menu-link:hover {
    color: var(--color-primary);
    padding-left: 6px;
}

.mega-menu-inner {
    display: grid;
    grid-template-columns: 1fr 1fr auto;
    gap: var(--space-lg);
    padding: var(--space-lg);
}

.mega-menu-col h4 {
    font-size: var(--font-size-xs);
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--color-text-light);
    margin-top: var(--space-sm);
    margin-bottom: var(--space-sm);
}

.mega-menu-link {
    position: relative;
    display: block;
    padding: var(--space-xs) 0 var(--space-xs) var(--space-sm);
    font-size: var(--font-size-sm);
    font-weight: 500;
    color: var(--color-text);
    border-bottom: none !important;
    transition: color var(--transition-fast), padding-left var(--transition-fast);
}

.mega-menu-link::before {
    content: '';
    position: absolute;
    left: 0;
    top: 50%;
    width: 4px;
    height: 4px;
    border-radius: 50%;
    background: var(--color-border);
    transform: translateY(-50%);
    transition: background var(--transition-fast);
}

.mega-menu-link:hover {
    color: var(--color-primary);
    padding-left: calc(var(--space-sm) + 6px);
}

.mega-menu-link:hover::before {
    background: var(--color-primary);
}

.mega-menu-visual {
    width: 150px;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: var(--space-sm);
    text-align: center;
}

.mega-menu-img {
    width: 130px;
    height: auto;
    border-radius: var(--radius-md);
}

.mega-menu-cta {
    width: 100%;
    justify-content: center;
    font-size: var(--font-size-sm);
    padding: var(--space-sm) var(--space-md);
}

.mega-menu-rating {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 4px;
    font-size: 11px;
    color: var(--color-text-light);
    line-height: 1.3;
}

/* Header Actions */
.header-actions {
    display: flex;
    align-items: center;
    gap: var(--space-sm);
}

.header-cta-desktop { }

/* Mobile Menu Toggle */
.mobile-menu-toggle {
    display: none;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    width: 40px;
    height: 40px;
    border-radius: var(--radius-md);
    gap: 5px;
    z-index: 1001;
}

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

.mobile-menu-toggle.active span:nth-child(1) {
    transform: translateY(7px) rotate(45deg);
}

.mobile-menu-toggle.active span:nth-child(2) {
    opacity: 0;
}

.mobile-menu-toggle.active span:nth-child(3) {
    transform: translateY(-7px) rotate(-45deg);
}

/* User Menu */
.user-menu-wrapper {
    position: relative;
}

.user-menu-trigger {
    display: flex;
    align-items: center;
    gap: var(--space-sm);
    padding: var(--space-xs) var(--space-sm);
    border-radius: var(--radius-full);
    background: var(--color-bg-alt);
    color: var(--color-text);
    font-size: var(--font-size-sm);
    font-weight: 500;
    transition: all var(--transition-fast);
}

.user-menu-trigger:hover {
    background: var(--color-border);
}

.user-avatar-initial {
    width: 32px;
    height: 32px;
    border-radius: var(--radius-full);
    background: var(--color-primary);
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 600;
    font-size: var(--font-size-sm);
}

.user-dropdown {
    position: absolute;
    top: calc(100% + 8px);
    right: 0;
    width: 240px;
    background: #fff;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xl);
    padding: var(--space-sm) 0;
    opacity: 0;
    visibility: hidden;
    transform: translateY(-8px);
    transition: all var(--transition-fast);
    border: 1px solid var(--color-border);
}

.user-dropdown.active {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.dropdown-header {
    padding: var(--space-md) var(--space-lg);
    border-bottom: 1px solid var(--color-border);
}

.dropdown-name {
    display: block;
    font-weight: 600;
    font-size: var(--font-size-sm);
    color: var(--color-text);
}

.dropdown-email {
    display: block;
    font-size: var(--font-size-xs);
    color: var(--color-text-light);
    margin-top: 2px;
}

.dropdown-item {
    display: flex;
    align-items: center;
    gap: var(--space-sm);
    padding: var(--space-sm) var(--space-lg);
    font-size: var(--font-size-sm);
    color: var(--color-text);
    transition: all var(--transition-fast);
}

.dropdown-item svg {
    flex-shrink: 0;
    color: var(--color-text-lighter);
    transition: color var(--transition-fast);
}

.dropdown-item:hover svg {
    color: var(--color-primary);
}

.dropdown-item-danger:hover svg {
    color: var(--color-danger);
}

.dropdown-item:hover {
    background: var(--color-bg-alt);
    color: var(--color-primary);
}

.dropdown-item-danger {
    color: var(--color-danger);
}

.dropdown-item-danger:hover {
    background: var(--color-danger-light);
    color: var(--color-danger);
}

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

/* Mobile responsive header */
@media (max-width: 1024px) {
    .main-nav {
        position: fixed;
        top: 0;
        right: -100%;
        width: 300px;
        height: 100vh;
        background: #fff;
        padding: calc(var(--header-height) + var(--space-xl)) var(--space-xl) var(--space-xl);
        transition: right var(--transition-base);
        box-shadow: var(--shadow-xl);
        z-index: 1000;
    }

    .main-nav.active {
        right: 0;
    }

    .main-nav .nav-list {
        flex-direction: column;
        align-items: flex-start;
        gap: 0;
    }

    .nav-link {
        display: block;
        padding: var(--space-md) 0;
        font-size: var(--font-size-base);
        color: var(--color-text);
        border-bottom: 1px solid var(--color-border-light);
        width: 100%;
    }

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

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

    .mobile-menu-toggle {
        display: flex;
    }

    .header-cta-desktop {
        display: none;
    }

    .header-actions .btn-ghost {
        display: none;
    }

    .nav-dropdown-trigger {
        justify-content: space-between;
        width: 100%;
    }

    .mega-menu,
    .simple-menu {
        position: static;
        width: 100%;
        max-height: 0;
        overflow: hidden;
        opacity: 1;
        visibility: visible;
        pointer-events: auto;
        border: none;
        box-shadow: none;
        border-radius: 0;
        padding: 0;
        min-width: 0;
        transition: max-height var(--transition-base);
    }

    .nav-has-dropdown.open .mega-menu,
    .nav-has-dropdown.open .simple-menu {
        max-height: 600px;
    }

    /* On mobile the accordion panel is inline content, not a floating card, so
       strip the visual styling from the inner wrapper too and let it collapse flat. */
    .mega-menu-inner,
    .simple-menu-inner {
        background: none;
        border: none;
        box-shadow: none;
        border-radius: 0;
        transform: none;
    }

    .simple-menu {
        padding-left: var(--space-md);
    }

    .simple-menu-inner {
        padding: 0;
    }

    .simple-menu-link {
        border-bottom: 1px solid var(--color-border-light);
    }

    .mega-menu-inner {
        grid-template-columns: 1fr 1fr;
        padding: var(--space-md) 0 var(--space-lg);
    }

    .mega-menu-visual {
        grid-column: 1 / -1;
        width: 100%;
        flex-direction: row;
        justify-content: flex-start;
        text-align: left;
    }

    .mega-menu-img {
        display: none;
    }

    .mega-menu-cta {
        width: auto;
    }
}

@media (max-width: 768px) {
    .main-nav {
        width: 100%;
    }
}

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

.btn:disabled {
    opacity: 0.6;
    cursor: not-allowed;
}

.btn-sm {
    padding: 8px 16px;
    font-size: var(--font-size-xs);
    border-radius: var(--radius-sm);
}

.btn-lg {
    padding: 16px 32px;
    font-size: var(--font-size-base);
    border-radius: var(--radius-lg);
}

.btn-xs {
    padding: 4px 12px;
    font-size: var(--font-size-xs);
    border-radius: var(--radius-sm);
}

.btn-block {
    width: 100%;
}

/* Primary */
.btn-primary {
    background: var(--color-primary);
    color: #fff;
    border-color: var(--color-primary);
}

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

/* Outline */
.btn-outline {
    background: transparent;
    color: var(--color-primary);
    border-color: var(--color-primary);
}

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

/* Ghost */
.btn-ghost {
    background: transparent;
    color: var(--color-text);
    border-color: transparent;
}

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

/* Link */
.btn-link {
    background: transparent;
    color: var(--color-primary);
    border: none;
    padding-left: 0;
    padding-right: 0;
}

.btn-link:hover {
    color: var(--color-primary-dark);
}

/* White */
.btn-white {
    background: #fff;
    color: var(--color-primary);
    border-color: #fff;
}

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

/* Outline White */
.btn-outline-white {
    background: transparent;
    color: #fff;
    border-color: rgba(255, 255, 255, 0.5);
}

.btn-outline-white:hover {
    background: rgba(255, 255, 255, 0.1);
    border-color: #fff;
    color: #fff;
}

.btn-loading {
    display: inline-flex;
    align-items: center;
    gap: var(--space-sm);
}

/* ============================================
   FORMS
   ============================================ */
.form-group {
    margin-bottom: var(--space-lg);
}

.form-label {
    display: block;
    font-size: var(--font-size-sm);
    font-weight: 500;
    margin-bottom: var(--space-sm);
    color: var(--color-text);
}

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

.form-input {
    width: 100%;
    padding: 12px 16px;
    font-size: var(--font-size-base);
    color: var(--color-text);
    background: #fff;
    border: 2px solid var(--color-border);
    border-radius: var(--radius-md);
    outline: none;
    transition: all var(--transition-fast);
    appearance: none;
}

.form-input:focus {
    border-color: var(--color-primary);
    box-shadow: 0 0 0 3px var(--color-primary-light);
}

.form-input.error {
    border-color: var(--color-danger);
    box-shadow: 0 0 0 3px var(--color-danger-light);
}

.form-input:disabled {
    background: var(--color-bg-alt2);
    color: var(--color-text-light);
    cursor: not-allowed;
}

.form-select-wrapper {
    position: relative;
}

.form-select-wrapper::after {
    content: '';
    position: absolute;
    right: 16px;
    top: 50%;
    transform: translateY(-50%);
    width: 10px;
    height: 10px;
    border-right: 2px solid var(--color-text-light);
    border-bottom: 2px solid var(--color-text-light);
    transform: translateY(-70%) rotate(45deg);
    pointer-events: none;
}

.form-select-wrapper select {
    padding-right: 40px;
    cursor: pointer;
}

.form-error {
    display: block;
    font-size: var(--font-size-xs);
    color: var(--color-danger);
    margin-top: var(--space-xs);
}

.form-hint {
    display: block;
    font-size: var(--font-size-xs);
    color: var(--color-text-light);
    margin-top: var(--space-xs);
}

.form-row {
    display: flex;
    align-items: center;
    margin-bottom: var(--space-lg);
}

.form-row-between {
    justify-content: space-between;
}

.form-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--space-lg);
}

.form-grid-3 {
    grid-template-columns: 1fr 1fr 1fr;
}

@media (max-width: 768px) {
    .form-grid {
        grid-template-columns: 1fr;
    }
    .form-grid-3 {
        grid-template-columns: 1fr;
    }
}

/* Checkbox */
.form-checkbox {
    display: inline-flex;
    align-items: center;
    gap: var(--space-sm);
    cursor: pointer;
    font-size: var(--font-size-sm);
    color: var(--color-text-light);
}

.form-checkbox input {
    display: none;
}

.checkbox-mark {
    width: 18px;
    height: 18px;
    border: 2px solid var(--color-border);
    border-radius: 4px;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all var(--transition-fast);
}

.form-checkbox input:checked + .checkbox-mark {
    background: var(--color-primary);
    border-color: var(--color-primary);
}

.form-checkbox input:checked + .checkbox-mark::after {
    content: '';
    width: 5px;
    height: 10px;
    border-right: 2px solid #fff;
    border-bottom: 2px solid #fff;
    transform: rotate(45deg) translateY(-1px);
}

.form-link {
    font-size: var(--font-size-sm);
    color: var(--color-primary);
}

.form-actions {
    margin-top: var(--space-xl);
    padding-top: var(--space-xl);
    border-top: 1px solid var(--color-border);
}

.form-desc {
    color: var(--color-text-light);
    margin-bottom: var(--space-xl);
    font-size: var(--font-size-sm);
}

/* Input with prefix */
.input-with-prefix {
    position: relative;
}

.input-prefix {
    position: absolute;
    left: 16px;
    top: 50%;
    transform: translateY(-50%);
    color: var(--color-text-light);
    font-weight: 500;
    pointer-events: none;
}

.input-prefixed {
    padding-left: 32px;
}

/* Password Input */
.password-input-wrapper {
    position: relative;
}

.password-toggle {
    position: absolute;
    right: 12px;
    top: 50%;
    transform: translateY(-50%);
    padding: 4px;
    color: var(--color-text-lighter);
    z-index: 2;
}

.password-toggle:hover {
    color: var(--color-text);
}

/* Password Strength */
.password-strength {
    margin-top: var(--space-md);
}

.strength-bar {
    height: 4px;
    background: var(--color-border);
    border-radius: 2px;
    overflow: hidden;
    margin-bottom: var(--space-xs);
}

.strength-fill {
    height: 100%;
    border-radius: 2px;
    transition: width var(--transition-base), background var(--transition-base);
}

.strength-weak {
    background: var(--color-danger);
    width: 25%;
}

.strength-medium {
    background: var(--color-warning);
    width: 60%;
}

.strength-strong {
    background: var(--color-success);
    width: 100%;
}

.strength-text {
    font-size: var(--font-size-xs);
    font-weight: 500;
}

/* ============================================
   HERO SECTION
   ============================================ */
.hero {
    min-height: 100vh;
    display: flex;
    align-items: center;
    padding: var(--space-2xl) 0 var(--space-4xl);
    position: relative;
    overflow: hidden;
    background: var(--color-bg);
}

.hero-bg {
    position: absolute;
    inset: 0;
    overflow: hidden;
}

.hero-shape {
    position: absolute;
    border-radius: 50%;
    opacity: 0.5;
    background: var(--color-primary-light);
}

.hero-shape-1 {
    width: 600px;
    height: 600px;
    top: -200px;
    right: -100px;
}

.hero-shape-2 {
    width: 400px;
    height: 400px;
    bottom: -100px;
    left: -50px;
}

.hero-grid {
    display: grid;
    grid-template-columns: 1fr minmax(520px, 580px);
    gap: var(--space-2xl);
    align-items: center;
    position: relative;
    z-index: 1;
}

.hero-content {
    color: var(--color-text);
    max-width: 620px;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: var(--space-sm);
    background: var(--color-primary-light);
    color: var(--color-primary-dark);
    padding: 6px 16px;
    border-radius: var(--radius-full);
    font-size: var(--font-size-xs);
    font-weight: 600;
    margin-bottom: var(--space-xl);
}

.hero-title {
    font-size: clamp(2.25rem, 5vw, 3.75rem);
    font-weight: 800;
    line-height: 1.1;
    letter-spacing: -1px;
    margin-bottom: var(--space-lg);
    color: var(--color-text);
}

.hero-highlight {
    color: var(--color-primary);
}

.hero-subtitle {
    font-size: var(--font-size-lg);
    line-height: 1.7;
    color: var(--color-text-light);
    margin-bottom: var(--space-xl);
    max-width: 520px;
}

.hero-features {
    display: flex;
    flex-direction: column;
    gap: var(--space-sm);
    margin-bottom: var(--space-2xl);
}

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

.hero-cta-row {
    display: flex;
    align-items: center;
    gap: var(--space-lg);
}

/* Hero Calculator Card */
.hero-calculator {
    position: relative;
}

.hero-calculator .calc-card-header {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: space-between;
    gap: var(--space-sm);
    padding: var(--space-md) var(--space-xl);
}

.hero-calculator .calc-card-header h3 {
    margin-bottom: 0;
}

.hero-calculator .calc-card-body {
    display: grid;
    grid-template-columns: 1fr 1fr;
    column-gap: var(--space-lg);
    row-gap: var(--space-md);
    padding: var(--space-lg) var(--space-xl);
}

.hero-calculator .calc-card-body > .calc-field:first-child {
    grid-column: 1 / -1;
}

.hero-calculator .calc-card-body > .calc-field:nth-child(2) {
    grid-column: 1;
    grid-row: 2;
}

.hero-calculator .calc-card-body > .annual-income-field {
    grid-column: 2;
    grid-row: 2;
    margin-bottom: 0;
}

.hero-calculator .calc-card-body > .calc-field:nth-child(3) {
    grid-column: 1 / -1;
    grid-row: 3;
    margin-bottom: 0;
}

.hero-calculator .calc-card-body > .calc-result {
    grid-column: 1 / -1;
    grid-row: 4;
    margin-bottom: 0;
    padding: var(--space-md) var(--space-lg);
}

.hero-calculator .calc-card-body > .calc-submit-btn {
    grid-column: 1 / -1;
    grid-row: 5;
    margin-top: 0;
    padding: 12px 20px;
    font-size: var(--font-size-base);
}

.hero-calculator .calc-soft-pull {
    padding: 3px 10px;
    font-size: 11px;
}

.hero-calculator .calc-field {
    margin-bottom: 0;
}

.hero-calculator .calc-amount-display {
    font-size: var(--font-size-2xl);
    margin-bottom: var(--space-sm);
}

.hero-calculator .calc-score-buttons {
    grid-template-columns: repeat(5, minmax(0, 1fr));
    gap: 6px;
}

.hero-calculator .calc-score-btn {
    padding: 8px 4px;
    font-size: 11px;
    line-height: 1.25;
    text-align: center;
}

.hero-calculator .calc-score-btn span {
    font-size: 9px;
    line-height: 1.2;
    margin-top: 2px;
}

.hero-calculator .calc-result-row {
    padding: var(--space-xs) 0;
}

.hero-calculator .calc-select {
    padding: 10px 14px;
    font-size: var(--font-size-sm);
}

.calc-card {
    background: #fff;
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-xl);
    overflow: hidden;
    color: var(--color-text);
}

.calc-card-header {
    padding: var(--space-xl);
    border-bottom: 1px solid var(--color-border-light);
}

.calc-card-header h3 {
    font-size: var(--font-size-xl);
    font-weight: 700;
    margin-bottom: var(--space-xs);
}

.calc-soft-pull {
    display: inline-flex;
    align-items: center;
    gap: var(--space-sm);
    font-size: var(--font-size-xs);
    color: var(--color-accent);
    font-weight: 500;
    background: var(--color-accent-light);
    padding: 4px 12px;
    border-radius: var(--radius-full);
}

.calc-card-body {
    padding: var(--space-xl);
}

.calc-field {
    margin-bottom: var(--space-lg);
}

.annual-income-custom {
    margin-top: var(--space-sm);
}

.calc-label {
    display: block;
    font-size: var(--font-size-sm);
    font-weight: 600;
    color: var(--color-text);
    margin-bottom: var(--space-sm);
}

.calc-amount-display {
    font-size: var(--font-size-3xl);
    font-weight: 800;
    color: var(--color-primary);
    text-align: center;
    margin-bottom: var(--space-md);
}

.calc-slider-wrapper {
    padding: 0 4px;
}

.calc-slider {
    width: 100%;
    height: 6px;
    -webkit-appearance: none;
    appearance: none;
    background: linear-gradient(to right, var(--color-primary) 0%, var(--color-primary) 30%, var(--color-border) 30%, var(--color-border) 100%);
    border-radius: 3px;
    outline: none;
    cursor: pointer;
}

.calc-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: #fff;
    border: 3px solid var(--color-primary);
    box-shadow: var(--shadow-md);
    cursor: pointer;
    transition: transform var(--transition-fast);
}

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

.calc-range-labels {
    display: flex;
    justify-content: space-between;
    font-size: var(--font-size-xs);
    color: var(--color-text-lighter);
    margin-top: var(--space-xs);
}

.calc-select-wrapper {
    position: relative;
}

.calc-select {
    width: 100%;
    padding: 14px 16px;
    font-size: var(--font-size-base);
    color: var(--color-text);
    background: var(--color-bg);
    border: 2px solid var(--color-border);
    border-radius: var(--radius-md);
    outline: none;
    cursor: pointer;
    appearance: none;
    transition: all var(--transition-fast);
}

.calc-select:focus {
    border-color: var(--color-primary);
}

.calc-select-wrapper::after {
    content: '';
    position: absolute;
    right: 16px;
    top: 50%;
    width: 10px;
    height: 10px;
    border-right: 2px solid var(--color-text-light);
    border-bottom: 2px solid var(--color-text-light);
    transform: translateY(-70%) rotate(45deg);
    pointer-events: none;
}

/* Credit Score Buttons */
.calc-score-buttons {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--space-sm);
}

@media (max-width: 480px) {
    .calc-score-buttons {
        grid-template-columns: 1fr 1fr;
    }
}

.calc-score-btn {
    padding: 12px 16px;
    font-size: var(--font-size-sm);
    font-weight: 500;
    background: var(--color-bg);
    border: 2px solid var(--color-border);
    border-radius: var(--radius-md);
    cursor: pointer;
    transition: all var(--transition-fast);
}

.calc-score-btn span {
    display: block;
    font-size: var(--font-size-xs);
    font-weight: 400;
    color: var(--color-text-lighter);
}

.calc-score-btn:hover {
    border-color: var(--color-primary);
    background: var(--color-primary-light);
}

.calc-score-btn.active {
    border-color: var(--color-primary);
    background: var(--color-primary-light);
    color: var(--color-primary);
}

.calc-score-btn.active span {
    color: var(--color-primary);
}

/* Calculator Result */
.calc-result {
    background: var(--color-bg-alt);
    border-radius: var(--radius-lg);
    padding: var(--space-lg);
    margin-bottom: var(--space-lg);
}

.calc-result-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: var(--space-sm) 0;
}

.calc-result-row + .calc-result-row {
    border-top: 1px solid var(--color-border-light);
}

.calc-result-main {
    padding: var(--space-md) 0;
}

.calc-result-label {
    font-size: var(--font-size-sm);
    color: var(--color-text-light);
}

.calc-result-value {
    font-size: var(--font-size-lg);
    font-weight: 700;
    color: var(--color-text);
}

.calc-result-apr {
    color: var(--color-accent);
}

.calc-result-main .calc-result-value {
    font-size: var(--font-size-3xl);
    color: var(--color-primary);
}

.calc-submit-btn {
    margin-top: var(--space-sm);
}

/* Hero responsive */
@media (max-width: 1024px) {
    .hero-grid {
        grid-template-columns: 1fr;
        gap: var(--space-2xl);
    }

    .hero-content {
        text-align: center;
        margin: 0 auto;
    }

    .hero-features {
        align-items: center;
    }

    .hero-cta-row {
        justify-content: center;
    }

    .hero-calculator {
        max-width: 580px;
        margin: 0 auto;
    }

    .hero-calculator .calc-card-body {
        grid-template-columns: 1fr;
    }

    .hero-calculator .calc-card-body > .calc-field:nth-child(2),
    .hero-calculator .calc-card-body > .annual-income-field,
    .hero-calculator .calc-card-body > .calc-field:nth-child(3),
    .hero-calculator .calc-card-body > .calc-result,
    .hero-calculator .calc-card-body > .calc-submit-btn {
        grid-column: 1;
        grid-row: auto;
    }

    .hero-calculator .calc-score-buttons {
        grid-template-columns: repeat(3, 1fr);
    }
}

@media (max-width: 768px) {
    .hero {
        padding-top: var(--space-lg);
        min-height: auto;
    }

    .hero-title {
        font-size: var(--font-size-4xl);
    }

    .hero-cta-row {
        flex-direction: column;
        gap: var(--space-md);
    }
}

/* ============================================
   TRUST BAR
   ============================================ */
.trust-bar {
    padding: var(--space-2xl) 0;
    background: var(--color-bg-alt);
    border-bottom: 1px solid var(--color-border);
}

.trust-bar-title {
    text-align: center;
    font-size: var(--font-size-xs);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    color: var(--color-text-lighter);
    margin-bottom: var(--space-xl);
}

.trust-logos {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: var(--space-3xl);
    flex-wrap: wrap;
}

.trust-logo {
    opacity: 0.5;
    transition: opacity var(--transition-fast);
}

.trust-logo:hover {
    opacity: 1;
}

.trust-logo-placeholder {
    font-weight: 700;
    font-size: 1.25rem;
    color: var(--color-text);
    letter-spacing: 1px;
}

.trust-logo-placeholder.forbes { font-family: 'Times New Roman', serif; font-size: 1.5rem; }
.trust-logo-placeholder.bloomberg { font-family: 'Inter', sans-serif; font-weight: 800; }
.trust-logo-placeholder.wsj { font-family: 'Times New Roman', serif; font-size: 1.3rem; font-style: italic; }
.trust-logo-placeholder.cnbc { font-family: 'Inter', sans-serif; font-weight: 900; }
.trust-logo-placeholder.tc { font-family: 'Inter', sans-serif; font-weight: 900; letter-spacing: -1px; }

@media (max-width: 768px) {
    .trust-logos {
        gap: var(--space-xl);
    }
}

/* ============================================
   CUSTOMER PROOF
   ============================================ */
.customer-proof-grid {
    display: grid;
    grid-template-columns: 0.85fr 1fr;
    gap: var(--space-3xl);
    align-items: center;
}

.customer-proof-photo img {
    width: 100%;
    height: 100%;
    max-height: 420px;
    object-fit: cover;
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-lg);
}

.customer-proof-content h2 {
    margin-bottom: var(--space-lg);
}

.customer-proof-content blockquote {
    font-size: var(--font-size-lg);
    line-height: 1.6;
    color: var(--color-text);
    border-left: 3px solid var(--color-primary);
    padding-left: var(--space-lg);
    margin: 0 0 var(--space-sm);
}

.customer-proof-author {
    font-size: var(--font-size-sm);
    color: var(--color-text-light);
    font-weight: 600;
    margin-bottom: var(--space-xl);
}

.customer-proof-ratings {
    display: flex;
    gap: var(--space-xl);
    flex-wrap: wrap;
}

.rating-badge {
    display: flex;
    align-items: center;
    gap: var(--space-sm);
}

.rating-score {
    font-size: var(--font-size-2xl);
    font-weight: 800;
    color: var(--color-text);
}

.rating-stars {
    display: block;
    color: #f59e0b;
    font-size: var(--font-size-sm);
    letter-spacing: 1px;
}

.rating-source {
    display: block;
    font-size: var(--font-size-xs);
    color: var(--color-text-light);
}

@media (max-width: 1024px) {
    .customer-proof-grid {
        grid-template-columns: 1fr;
        gap: var(--space-xl);
    }

    .customer-proof-photo img {
        max-height: 320px;
    }
}

/* ============================================
   SEO TEXT BLOCK
   ============================================ */
.seo-text-block p {
    max-width: 900px;
    margin: 0 auto;
    font-size: var(--font-size-sm);
    line-height: 1.8;
    color: var(--color-text-light);
    text-align: center;
}

.seo-text-block a {
    color: var(--color-primary);
    font-weight: 600;
}

.how-it-works-illustration {
    max-width: 640px;
    margin: 0 auto var(--space-3xl);
}

.how-it-works-illustration img {
    width: 100%;
    display: block;
}

/* ============================================
   HOW IT WORKS
   ============================================ */
.steps-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--space-2xl);
    position: relative;
}

.steps-grid::before {
    content: '';
    position: absolute;
    top: 60px;
    left: 50%;
    transform: translateX(-50%);
    width: 70%;
    height: 2px;
    background: var(--color-border);
    z-index: 0;
}

.step-card {
    text-align: center;
    position: relative;
    z-index: 1;
    padding: var(--space-xl);
}

.step-number {
    width: 48px;
    height: 48px;
    border-radius: var(--radius-full);
    background: var(--color-primary);
    color: #fff;
    font-size: var(--font-size-xl);
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto var(--space-xl);
}

.step-icon {
    margin-bottom: var(--space-md);
}

.step-card h3 {
    font-size: var(--font-size-xl);
    font-weight: 700;
    margin-bottom: var(--space-sm);
}

.step-card p {
    font-size: var(--font-size-sm);
    color: var(--color-text-light);
    line-height: 1.6;
}

@media (max-width: 768px) {
    .steps-grid {
        grid-template-columns: 1fr;
        gap: var(--space-xl);
    }

    .steps-grid::before {
        display: none;
    }
}

/* ============================================
   FEATURE CARDS
   ============================================ */
.features-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--space-xl);
}

.feature-card {
    padding: var(--space-2xl);
    background: #fff;
    border-radius: var(--radius-xl);
    border: 1px solid var(--color-border);
    transition: all var(--transition-base);
}

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

.feature-icon {
    width: 56px;
    height: 56px;
    border-radius: var(--radius-lg);
    background: var(--color-primary-light);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: var(--space-lg);
}

.feature-card h3 {
    font-size: var(--font-size-lg);
    font-weight: 700;
    margin-bottom: var(--space-sm);
}

.feature-card p {
    font-size: var(--font-size-sm);
    color: var(--color-text-light);
    line-height: 1.6;
}

@media (max-width: 1024px) {
    .features-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

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

/* ============================================
   PRODUCT CARDS
   ============================================ */
.products-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--space-xl);
}

/* Homepage preview grid: one row of 4 */
.products-home .products-grid {
    grid-template-columns: repeat(4, 1fr);
}

.product-card {
    display: flex;
    flex-direction: column;
    padding: var(--space-2xl);
    background: #fff;
    border-radius: var(--radius-xl);
    border: 1px solid var(--color-border);
    text-decoration: none;
    color: var(--color-text);
    transition: all var(--transition-base);
    position: relative;
}

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

.product-card-icon {
    width: 52px;
    height: 52px;
    border-radius: var(--radius-md);
    background: var(--color-primary-light);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: var(--space-lg);
    transition: background var(--transition-fast), transform var(--transition-fast);
}

.product-card:hover .product-card-icon {
    background: var(--color-primary);
    transform: scale(1.06);
}

.product-card-icon svg {
    transition: stroke var(--transition-fast);
}

.product-card:hover .product-card-icon svg {
    stroke: #fff;
}

.product-card-header {
    margin-bottom: var(--space-md);
}

.product-card-header h3 {
    font-size: var(--font-size-xl);
    font-weight: 700;
}

.product-desc {
    font-size: var(--font-size-sm);
    color: var(--color-text-light);
    line-height: 1.6;
    margin-bottom: var(--space-lg);
    flex-grow: 1;
}

.product-card-footer {
    padding: var(--space-lg) 0;
    border-top: 1px solid var(--color-border-light);
    margin-bottom: var(--space-md);
}

.product-rate {
    display: flex;
    justify-content: space-between;
    margin-bottom: var(--space-sm);
}

.rate-label {
    font-size: var(--font-size-xs);
    color: var(--color-text-lighter);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.rate-value {
    font-size: var(--font-size-sm);
    font-weight: 700;
    color: var(--color-accent);
}

.product-range {
    font-size: var(--font-size-xs);
    color: var(--color-text-light);
}

.product-card-cta {
    font-size: var(--font-size-sm);
    font-weight: 600;
    color: var(--color-primary);
}

.product-specs {
    margin-bottom: var(--space-lg);
}

.product-spec-item {
    display: flex;
    justify-content: space-between;
    padding: var(--space-sm) 0;
    border-bottom: 1px solid var(--color-border-light);
}

.spec-label {
    font-size: var(--font-size-sm);
    color: var(--color-text-light);
}

.spec-value {
    font-size: var(--font-size-sm);
    font-weight: 600;
}

@media (max-width: 1024px) {
    .products-grid,
    .products-home .products-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 768px) {
    .products-grid,
    .products-home .products-grid {
        grid-template-columns: 1fr;
    }
}


/* ============================================
   TESTIMONIALS
   ============================================ */
.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: var(--space-xl);
}

.testimonial-card {
    background: #fff;
    border-radius: var(--radius-xl);
    padding: var(--space-2xl);
    border: 1px solid var(--color-border);
}

.testimonial-stars {
    display: flex;
    gap: 2px;
    margin-bottom: var(--space-lg);
}

.testimonial-text {
    font-size: var(--font-size-base);
    line-height: 1.7;
    color: var(--color-text);
    margin-bottom: var(--space-xl);
    font-style: italic;
}

.testimonial-meta {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding-top: var(--space-lg);
    border-top: 1px solid var(--color-border-light);
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: var(--space-sm);
}

.author-avatar {
    width: 40px;
    height: 40px;
    border-radius: var(--radius-full);
    background: var(--color-primary-light);
    color: var(--color-primary);
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
}

.author-name {
    display: block;
    font-size: var(--font-size-sm);
    font-weight: 600;
}

.author-location {
    display: block;
    font-size: var(--font-size-xs);
    color: var(--color-text-lighter);
}

.testimonial-loan-info {
    text-align: right;
}

.loan-purpose {
    display: block;
    font-size: var(--font-size-xs);
    font-weight: 500;
    color: var(--color-primary);
}

.loan-amount {
    display: block;
    font-size: var(--font-size-sm);
    font-weight: 700;
}

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

/* ============================================
   FAQ ACCORDION
   ============================================ */
.faq-category-section {
    margin-bottom: var(--space-2xl);
}

.faq-category-title {
    font-size: var(--font-size-2xl);
    font-weight: 700;
    margin-bottom: var(--space-xl);
    padding-bottom: var(--space-sm);
    border-bottom: 2px solid var(--color-primary);
    display: inline-block;
}

.faq-list {
    display: flex;
    flex-direction: column;
    gap: var(--space-sm);
}

.faq-item {
    background: #fff;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    overflow: hidden;
    transition: all var(--transition-fast);
}

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

.faq-question {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: var(--space-lg) var(--space-xl);
    font-size: var(--font-size-base);
    font-weight: 600;
    color: var(--color-text);
    text-align: left;
    cursor: pointer;
    transition: all var(--transition-fast);
}

.faq-question:hover {
    background: var(--color-bg-alt);
}

.faq-icon {
    flex-shrink: 0;
    transition: transform var(--transition-base);
}

.faq-item.active .faq-icon {
    transform: rotate(45deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height var(--transition-base);
}

.faq-item.active .faq-answer {
    max-height: 500px;
}

.faq-answer-inner {
    padding: 0 var(--space-xl) var(--space-xl);
    font-size: var(--font-size-sm);
    color: var(--color-text-light);
    line-height: 1.7;
}

/* ============================================
   CTA BANNER
   ============================================ */
.cta-banner {
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
    padding: var(--space-4xl) 0;
    text-align: center;
}

.cta-banner-content {
    max-width: 600px;
    margin: 0 auto;
}

.cta-banner-content h2 {
    font-size: var(--font-size-3xl);
    font-weight: 800;
    color: #fff;
    margin-bottom: var(--space-md);
}

.cta-banner-content p {
    font-size: var(--font-size-lg);
    color: rgba(255, 255, 255, 0.85);
    margin-bottom: var(--space-xl);
}

.cta-banner-actions {
    display: flex;
    justify-content: center;
    gap: var(--space-md);
    flex-wrap: wrap;
}


/* ============================================
   EMPTY STATE
   ============================================ */
.empty-state {
    text-align: center;
    padding: var(--space-4xl) var(--space-xl);
}

.empty-state svg {
    margin-bottom: var(--space-lg);
    opacity: 0.5;
}

.empty-state-illustration {
    width: 200px;
    max-width: 60%;
    margin: 0 auto var(--space-lg);
    display: block;
}

.empty-state h3 {
    font-size: var(--font-size-xl);
    font-weight: 600;
    margin-bottom: var(--space-sm);
    color: var(--color-text);
}

.empty-state p {
    font-size: var(--font-size-sm);
    color: var(--color-text-light);
    margin-bottom: var(--space-xl);
}

.empty-state-sm {
    padding: var(--space-2xl);
}

/* ============================================
   DATA TABLE
   ============================================ */
.table-responsive {
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
}

.data-table {
    width: 100%;
    border-collapse: collapse;
    font-size: var(--font-size-sm);
}

.data-table thead {
    background: var(--color-bg-alt);
}

.data-table th {
    padding: var(--space-md) var(--space-lg);
    text-align: left;
    font-weight: 600;
    color: var(--color-text-light);
    font-size: var(--font-size-xs);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    border-bottom: 2px solid var(--color-border);
    white-space: nowrap;
}

.data-table td {
    padding: var(--space-md) var(--space-lg);
    border-bottom: 1px solid var(--color-border-light);
    color: var(--color-text);
}

.data-table tbody tr:hover {
    background: var(--color-bg-alt);
}

.app-link {
    font-weight: 600;
    color: var(--color-primary);
    font-size: var(--font-size-sm);
}

/* Pagination */
.pagination-wrapper {
    margin-top: var(--space-xl);
    display: flex;
    justify-content: center;
}

.pagination {
    display: flex;
    align-items: center;
    gap: var(--space-lg);
}

.page-link {
    padding: var(--space-sm) var(--space-lg);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-md);
    font-size: var(--font-size-sm);
    font-weight: 500;
    color: var(--color-text);
    transition: all var(--transition-fast);
}

.page-link:hover {
    border-color: var(--color-primary);
    color: var(--color-primary);
}

.page-info {
    font-size: var(--font-size-sm);
    color: var(--color-text-light);
}

/* ============================================
   STATUS BADGES
   ============================================ */
.status-badge {
    display: inline-flex;
    align-items: center;
    padding: 4px 12px;
    border-radius: var(--radius-full);
    font-size: var(--font-size-xs);
    font-weight: 600;
    white-space: nowrap;
}

.status-badge-lg {
    padding: 8px 20px;
    font-size: var(--font-size-sm);
}

.status-1, .status-pending { background: var(--color-warning-light); color: #92400e; }
.status-2 { background: #dbeafe; color: #1e40af; }
.status-3, .status-6 { background: var(--color-success-light); color: #065f46; }
.status-4 { background: var(--color-danger-light); color: #991b1b; }
.status-5 { background: #ffedd5; color: #9a3412; }
.status-7 { background: var(--color-bg-alt2); color: var(--color-text-light); }
.status-paid { background: var(--color-success-light); color: #065f46; }
.status-overdue { background: var(--color-danger-light); color: #991b1b; }


/* ============================================
   FOOTER
   ============================================ */
.site-footer {
    background: var(--color-text);
    color: #fff;
    padding: var(--space-4xl) 0 var(--space-xl);
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1fr;
    gap: var(--space-2xl);
    margin-bottom: var(--space-3xl);
}

.footer-logo {
    font-size: var(--font-size-xl);
    font-weight: 800;
    margin-bottom: var(--space-md);
    color: #fff;
}

.footer-about {
    font-size: var(--font-size-sm);
    color: rgba(255, 255, 255, 0.6);
    line-height: 1.7;
    margin-bottom: var(--space-lg);
}

.footer-social {
    display: flex;
    gap: var(--space-md);
}

.social-link {
    width: 36px;
    height: 36px;
    border-radius: var(--radius-full);
    background: rgba(255, 255, 255, 0.1);
    color: rgba(255, 255, 255, 0.6);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all var(--transition-fast);
}

.social-link:hover {
    background: var(--color-primary);
    color: #fff;
}

.footer-col h4 {
    font-size: var(--font-size-sm);
    font-weight: 700;
    margin-bottom: var(--space-lg);
    color: #fff;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.footer-col ul {
    display: flex;
    flex-direction: column;
    gap: var(--space-sm);
}

.footer-col a {
    position: relative;
    display: inline-flex;
    align-items: center;
    font-size: var(--font-size-sm);
    color: rgba(255, 255, 255, 0.6);
    transition: color var(--transition-fast), padding-left var(--transition-fast);
}

.footer-col a::before {
    content: '';
    position: absolute;
    left: -14px;
    top: 50%;
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: var(--color-primary);
    opacity: 0;
    transform: translateY(-50%) scale(0.5);
    transition: opacity var(--transition-fast), transform var(--transition-fast);
}

.footer-col a:hover {
    color: #fff;
    padding-left: var(--space-sm);
}

.footer-col a:hover::before {
    opacity: 1;
    transform: translateY(-50%) scale(1);
}

.footer-bottom {
    padding-top: var(--space-2xl);
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    text-align: center;
}

.footer-disclaimer {
    font-size: var(--font-size-xs);
    color: rgba(255, 255, 255, 0.4);
    line-height: 1.6;
    max-width: 800px;
    margin: 0 auto var(--space-xl);
}

.footer-security {
    display: flex;
    justify-content: center;
    gap: var(--space-xl);
    margin-bottom: var(--space-lg);
}

.security-badge {
    display: inline-flex;
    align-items: center;
    gap: var(--space-xs);
    font-size: var(--font-size-xs);
    color: rgba(255, 255, 255, 0.5);
}

.footer-copy {
    font-size: var(--font-size-xs);
    color: rgba(255, 255, 255, 0.3);
}

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

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

/* ============================================
   TOAST NOTIFICATIONS
   ============================================ */
.toast-container {
    position: fixed;
    top: calc(var(--header-height) + var(--space-lg));
    right: var(--space-lg);
    z-index: 9999;
    display: flex;
    flex-direction: column;
    gap: var(--space-sm);
    pointer-events: none;
}

.toast {
    display: flex;
    align-items: center;
    gap: var(--space-md);
    padding: var(--space-md) var(--space-xl);
    border-radius: var(--radius-md);
    background: #fff;
    box-shadow: var(--shadow-xl);
    font-size: var(--font-size-sm);
    font-weight: 500;
    pointer-events: auto;
    animation: toastIn var(--transition-base) ease forwards;
    max-width: 400px;
}

.toast.toast-out {
    animation: toastOut var(--transition-fast) ease forwards;
}

.toast-success {
    border-left: 4px solid var(--color-success);
    color: #065f46;
}

.toast-error {
    border-left: 4px solid var(--color-danger);
    color: #991b1b;
}

.toast-info {
    border-left: 4px solid var(--color-info);
    color: #1e40af;
}

.toast-warning {
    border-left: 4px solid var(--color-warning);
    color: #92400e;
}

@keyframes toastIn {
    from {
        opacity: 0;
        transform: translateX(100px);
    }
    to {
        opacity: 1;
        transform: translateX(0);
    }
}

@keyframes toastOut {
    from {
        opacity: 1;
        transform: translateX(0);
    }
    to {
        opacity: 0;
        transform: translateX(100px);
    }
}

/* ============================================
   SCROLL ANIMATIONS
   ============================================ */
[data-animate] {
    opacity: 0;
    transform: translateY(20px);
    transition: all 0.6s ease;
}

[data-animate].animated {
    opacity: 1;
    transform: translateY(0);
}

/* ============================================
   UTILITIES
   ============================================ */
.spin {
    animation: spin 0.8s linear infinite;
}

@keyframes spin {
    to {
        transform: rotate(360deg);
    }
}

/* ============================================
   RESPONSIVE OVERRIDES
   ============================================ */
@media (max-width: 768px) {
    :root {
        --font-size-5xl: 2.5rem;
        --font-size-4xl: 2rem;
        --font-size-3xl: 1.5rem;
    }
}

/* ============================================
   LIVE CHAT SUPPORT WIDGET
   ============================================ */
.live-chat-widget {
    position: fixed;
    right: var(--space-lg);
    bottom: var(--space-lg);
    z-index: 9998;
}

.live-chat-toggle {
    position: relative;
    width: 56px;
    height: 56px;
    border-radius: var(--radius-full);
    background: var(--color-primary);
    color: #fff;
    border: none;
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    box-shadow: 0 10px 24px rgba(13, 148, 136, 0.4);
    transition: transform var(--transition-fast), background var(--transition-fast);
}

.live-chat-toggle:hover {
    transform: scale(1.06);
    background: var(--color-primary-dark);
}

.live-chat-icon-close {
    display: none;
}

.live-chat-widget.open .live-chat-icon-open {
    display: none;
}

.live-chat-widget.open .live-chat-icon-close {
    display: block;
}

.live-chat-badge {
    position: absolute;
    top: -4px;
    right: -4px;
    width: 20px;
    height: 20px;
    border-radius: var(--radius-full);
    background: var(--color-danger);
    color: #fff;
    font-size: 11px;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    border: 2px solid #fff;
}

.live-chat-panel {
    position: absolute;
    right: 0;
    bottom: calc(56px + var(--space-md));
    width: 340px;
    max-height: 480px;
    background: #fff;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xl);
    border: 1px solid var(--color-border);
    display: flex;
    flex-direction: column;
    overflow: hidden;
    opacity: 0;
    visibility: hidden;
    transform: translateY(16px) scale(0.98);
    transition: opacity var(--transition-fast), transform var(--transition-fast), visibility var(--transition-fast);
}

.live-chat-widget.open .live-chat-panel {
    opacity: 1;
    visibility: visible;
    transform: translateY(0) scale(1);
}

.live-chat-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: var(--space-md) var(--space-lg);
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
    color: #fff;
}

.live-chat-header-info {
    display: flex;
    align-items: center;
    gap: var(--space-sm);
}

.live-chat-avatar {
    width: 34px;
    height: 34px;
    border-radius: var(--radius-full);
    background: rgba(255, 255, 255, 0.2);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: var(--font-size-xs);
    font-weight: 700;
    flex-shrink: 0;
}

.live-chat-header-info strong {
    display: block;
    font-size: var(--font-size-sm);
}

.live-chat-status {
    display: flex;
    align-items: center;
    gap: 4px;
    font-size: 11px;
    color: rgba(255, 255, 255, 0.85);
}

.live-chat-status-dot {
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: #4ade80;
}

.live-chat-close {
    background: transparent;
    border: none;
    color: #fff;
    opacity: 0.85;
    cursor: pointer;
    display: flex;
    padding: 4px;
}

.live-chat-close:hover {
    opacity: 1;
}

.live-chat-messages {
    flex: 1;
    overflow-y: auto;
    padding: var(--space-lg);
    display: flex;
    flex-direction: column;
    gap: var(--space-sm);
    min-height: 160px;
    max-height: 260px;
    background: var(--color-bg-alt);
}

.live-chat-msg {
    max-width: 85%;
    padding: var(--space-sm) var(--space-md);
    border-radius: var(--radius-md);
    font-size: var(--font-size-sm);
    line-height: 1.5;
}

.live-chat-msg-agent {
    align-self: flex-start;
    background: #fff;
    border: 1px solid var(--color-border);
    color: var(--color-text);
    border-bottom-left-radius: 4px;
}

.live-chat-msg-user {
    align-self: flex-end;
    background: var(--color-primary);
    color: #fff;
    border-bottom-right-radius: 4px;
}

.live-chat-typing {
    display: flex;
    align-items: center;
    gap: 4px;
    padding: var(--space-md);
}

.live-chat-typing span {
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: var(--color-text-lighter);
    animation: liveChatTyping 1.2s infinite ease-in-out;
}

.live-chat-typing span:nth-child(2) { animation-delay: 0.15s; }
.live-chat-typing span:nth-child(3) { animation-delay: 0.3s; }

@keyframes liveChatTyping {
    0%, 60%, 100% { transform: translateY(0); opacity: 0.5; }
    30% { transform: translateY(-4px); opacity: 1; }
}

.live-chat-quick-replies {
    display: flex;
    flex-wrap: wrap;
    gap: var(--space-xs);
    padding: var(--space-sm) var(--space-lg);
    border-top: 1px solid var(--color-border);
}

.live-chat-quick-reply {
    font-size: 12px;
    font-weight: 600;
    padding: 6px 12px;
    border-radius: var(--radius-full);
    background: var(--color-primary-light);
    color: var(--color-primary-dark);
    border: none;
    cursor: pointer;
    transition: background var(--transition-fast);
}

.live-chat-quick-reply:hover {
    background: var(--color-primary);
    color: #fff;
}

.live-chat-input-row {
    display: flex;
    align-items: center;
    gap: var(--space-sm);
    padding: var(--space-md) var(--space-lg);
    border-top: 1px solid var(--color-border);
}

.live-chat-input {
    flex: 1;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-full);
    padding: 8px 16px;
    font-size: var(--font-size-sm);
    outline: none;
    transition: border-color var(--transition-fast);
}

.live-chat-input:focus {
    border-color: var(--color-primary);
}

.live-chat-send {
    width: 36px;
    height: 36px;
    border-radius: var(--radius-full);
    background: var(--color-primary);
    color: #fff;
    border: none;
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    flex-shrink: 0;
    transition: background var(--transition-fast);
}

.live-chat-send:hover {
    background: var(--color-primary-dark);
}

@media (max-width: 480px) {
    .live-chat-widget {
        right: var(--space-md);
        bottom: var(--space-md);
    }
    .live-chat-panel {
        width: calc(100vw - 2 * var(--space-md));
        right: -4px;
    }
}

/* Flatpickr — English DOB picker */
.flatpickr-calendar {
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-lg);
    font-family: var(--font-family);
}

.flatpickr-months .flatpickr-month,
.flatpickr-current-month .flatpickr-monthDropdown-months,
.flatpickr-current-month input.cur-year {
    font-weight: 600;
    color: var(--color-text);
}

.flatpickr-day.selected,
.flatpickr-day.startRange,
.flatpickr-day.endRange,
.flatpickr-day.selected.inRange,
.flatpickr-day.startRange.inRange,
.flatpickr-day.endRange.inRange,
.flatpickr-day.selected:focus,
.flatpickr-day.startRange:focus,
.flatpickr-day.endRange:focus,
.flatpickr-day.selected:hover,
.flatpickr-day.startRange:hover,
.flatpickr-day.endRange:hover,
.flatpickr-day.selected.prevMonthDay,
.flatpickr-day.startRange.prevMonthDay,
.flatpickr-day.endRange.prevMonthDay,
.flatpickr-day.selected.nextMonthDay,
.flatpickr-day.startRange.nextMonthDay,
.flatpickr-day.endRange.nextMonthDay {
    background: var(--color-primary);
    border-color: var(--color-primary);
}

.flatpickr-day:hover,
.flatpickr-day:focus {
    background: var(--color-primary-light);
    border-color: var(--color-primary-light);
}

input.flatpickr-input[readonly].form-input {
    cursor: pointer;
    background: #fff;
}