/* ==========================================================================
   Lending Creative Personal Loans - UI UX Pro Max Design System (CSS3)
   ========================================================================== */

:root {
  /* Color System - Bento Grid Theme */
  --primary: #0B4F71;
  --primary-dark: #07364D;
  --primary-light: #12648E;
  --primary-subtle: #EAF4F7;
  
  --accent: #F4A340;
  --accent-dark: #D88928;
  --accent-light: #FFF6EC;
  
  --text: #172033;
  --text-secondary: #475467;
  --muted: #667085;
  
  --surface: #F6FAFC;
  --surface-alt: #EAF4F7;
  --white: #FFFFFF;
  
  --border: #DDE6EA;
  --border-focus: #0B4F71;
  
  --success: #107C41;
  --success-bg: #E8F5E9;
  --warning: #D88928;
  --warning-bg: #FFF8E1;
  --error: #D32F2F;
  --error-bg: #FDEDEC;
  
  /* Elevative Shadows - Bento Theme */
  --shadow-sm: 0 2px 6px rgba(11, 79, 113, 0.04);
  --shadow-md: 0 8px 24px rgba(11, 79, 113, 0.06);
  --shadow-lg: 0 16px 36px rgba(11, 79, 113, 0.09);
  --shadow-xl: 0 24px 48px rgba(11, 79, 113, 0.12);
  
  /* Radii - Bento Grid Curved Corner System */
  --radius-sm: 8px;
  --radius-md: 16px;
  --radius-lg: 24px;
  --radius-xl: 32px;
  --radius-pill: 9999px;
  
  /* Font & Typography */
  --font-family: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
  --font-heading: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  
  /* Transition */
  --transition-fast: all 0.15s ease-in-out;
  --transition-base: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
  --transition-slow: all 0.4s cubic-bezier(0.16, 1, 0.3, 1);
  
  /* Layout constraints */
  --max-width: 1240px;
  --header-height: 80px;
}

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

html {
  font-size: 16px;
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-family);
  background-color: var(--surface);
  color: var(--text);
  line-height: 1.6;
  font-weight: 400;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  overflow-x: hidden;
}

/* Typography Scale using clamp() */
h1, .h1 {
  font-family: var(--font-heading);
  font-size: clamp(2.25rem, 5vw, 3.75rem);
  line-height: 1.15;
  font-weight: 800;
  letter-spacing: -0.025em;
  color: var(--primary-dark);
}

h2, .h2 {
  font-family: var(--font-heading);
  font-size: clamp(1.75rem, 3.5vw, 2.5rem);
  line-height: 1.25;
  font-weight: 700;
  letter-spacing: -0.02em;
  color: var(--primary-dark);
}

h3, .h3 {
  font-family: var(--font-heading);
  font-size: clamp(1.25rem, 2.5vw, 1.625rem);
  line-height: 1.35;
  font-weight: 700;
  color: var(--primary-dark);
}

h4, .h4 {
  font-size: clamp(1.1rem, 2vw, 1.25rem);
  line-height: 1.4;
  font-weight: 600;
  color: var(--text);
}

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

.text-lead {
  font-size: clamp(1.05rem, 1.8vw, 1.2rem);
  line-height: 1.6;
  color: var(--text-secondary);
}

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

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

/* Accessibility Focus States */
:focus-visible {
  outline: 3px solid var(--accent);
  outline-offset: 2px;
  border-radius: 4px;
}

/* Layout Utilities */
.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 1.25rem;
}

.section {
  padding: 4.5rem 0;
}

.section-sm {
  padding: 2.5rem 0;
}

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

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

.section-bg-primary p {
  color: #B2C7D5;
}

.section-header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 3rem auto;
}

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

.eyebrow {
  display: inline-block;
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--accent-dark);
  background-color: var(--accent-light);
  padding: 0.35rem 0.85rem;
  border-radius: var(--radius-pill);
  margin-bottom: 1rem;
}

.eyebrow-primary {
  color: var(--primary);
  background-color: var(--primary-subtle);
}

/* Header & Navigation */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background-color: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--border);
  height: var(--header-height);
  display: flex;
  align-items: center;
  transition: var(--transition-base);
}

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

.brand-logo {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.35rem;
  color: var(--primary);
  text-decoration: none;
  letter-spacing: -0.02em;
}

.brand-logo svg {
  width: 32px;
  height: 32px;
  padding: 5px;
  background-color: var(--primary);
  color: var(--white);
  border-radius: var(--radius-sm);
  flex-shrink: 0;
}

.brand-badge {
  font-size: 0.65rem;
  text-transform: uppercase;
  background-color: var(--accent);
  color: var(--white);
  padding: 0.15rem 0.5rem;
  border-radius: var(--radius-pill);
  font-weight: 800;
  letter-spacing: 0.05em;
  margin-left: 0.25rem;
}

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

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

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

.nav-link.active::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 3px;
  background-color: var(--primary);
  border-radius: var(--radius-pill);
}

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

/* Mobile Nav Toggle */
.mobile-nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.5rem;
  color: var(--primary-dark);
}

/* Buttons System - Bento Grid Pill & Curved Style */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-family: var(--font-family);
  font-size: 0.9375rem;
  font-weight: 700;
  padding: 0.8rem 1.6rem;
  border-radius: var(--radius-pill);
  border: 2px solid transparent;
  cursor: pointer;
  transition: var(--transition-base);
  text-decoration: none;
  white-space: nowrap;
}

.btn-lg {
  padding: 1rem 2.25rem;
  font-size: 1.05rem;
  border-radius: var(--radius-pill);
}

.btn-sm {
  padding: 0.55rem 1.25rem;
  font-size: 0.875rem;
  border-radius: var(--radius-pill);
}

.btn-primary {
  background-color: var(--primary);
  color: var(--white);
  box-shadow: 0 8px 20px -4px rgba(11, 79, 113, 0.3);
}

.btn-primary:hover {
  background-color: var(--primary-dark);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: 0 12px 28px -4px rgba(11, 79, 113, 0.4);
}

.btn-accent {
  background-color: var(--accent);
  color: var(--white);
  box-shadow: 0 10px 25px -5px rgba(244, 163, 64, 0.4);
}

.btn-accent:hover {
  background-color: var(--accent-dark);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: 0 14px 28px -4px rgba(244, 163, 64, 0.5);
}

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

.btn-outline:hover {
  border-color: var(--primary);
  background-color: var(--primary-subtle);
  color: var(--primary);
}

.btn-outline-white {
  background-color: transparent;
  border-color: rgba(255, 255, 255, 0.3);
  color: var(--white);
  border-radius: var(--radius-pill);
}

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

.btn-block {
  width: 100%;
}

/* Hero Section - Bento Canvas */
.hero {
  position: relative;
  padding: 4.5rem 0 5.5rem 0;
  background: var(--surface);
  overflow: hidden;
}

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

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

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

.hero-subtitle {
  margin-bottom: 2rem;
  max-width: 540px;
}

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

.trust-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 1.25rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--border);
  width: 100%;
}

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

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

.hero-media {
  position: relative;
}

.hero-image-wrapper {
  position: relative;
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--border);
}

.hero-image-wrapper img {
  width: 100%;
  height: auto;
  display: block;
  object-fit: cover;
}

.hero-floating-card {
  position: absolute;
  bottom: -1.5rem;
  left: -1.5rem;
  background: var(--white);
  padding: 1.25rem 1.5rem;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  gap: 1rem;
  max-width: 280px;
}

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

/* Loan Amount Selector Component - Bento Card */
.loan-selector-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 2.5rem;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
  margin-top: -2.5rem;
  position: relative;
  z-index: 10;
}

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

.amount-display {
  font-size: clamp(2rem, 4vw, 2.75rem);
  font-weight: 800;
  color: var(--primary);
  line-height: 1;
}

.amount-presets {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-bottom: 1.5rem;
}

.preset-chip {
  background-color: var(--surface);
  border: 1px solid var(--border);
  color: var(--text);
  font-size: 0.875rem;
  font-weight: 600;
  padding: 0.45rem 1rem;
  border-radius: var(--radius-pill);
  cursor: pointer;
  transition: var(--transition-fast);
}

.preset-chip:hover, .preset-chip.active {
  background-color: var(--primary-subtle);
  border-color: var(--primary);
  color: var(--primary);
  font-weight: 700;
}

/* Custom Range Slider */
.slider-container {
  margin-bottom: 1.75rem;
}

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

.range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--primary);
  cursor: pointer;
  box-shadow: 0 4px 12px rgba(11, 79, 113, 0.35);
  border: 3px solid var(--white);
  transition: transform 0.15s ease;
}

.range-slider::-webkit-slider-thumb:hover {
  transform: scale(1.15);
  background: var(--accent);
}

.slider-labels {
  display: flex;
  justify-content: space-between;
  font-size: 0.8125rem;
  color: var(--muted);
  margin-top: 0.5rem;
  font-weight: 600;
}

.demo-notice-banner {
  background-color: var(--warning-bg);
  border-left: 4px solid var(--warning);
  padding: 0.9rem 1.25rem;
  border-radius: var(--radius-md);
  font-size: 0.85rem;
  color: #7A520A;
  margin-bottom: 1.5rem;
  display: flex;
  align-items: center;
  gap: 0.65rem;
}

.demo-notice-banner svg {
  flex-shrink: 0;
}

/* Benefit Cards Grid - Bento Grid Cards */
.cards-grid-4 {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.75rem;
}

.benefit-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 2.25rem 2rem;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  transition: var(--transition-base);
  display: flex;
  flex-direction: column;
  height: 100%;
}

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

.card-icon {
  width: 54px;
  height: 54px;
  border-radius: var(--radius-lg);
  background-color: var(--primary-subtle);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
}

.card-title {
  margin-bottom: 0.75rem;
  color: var(--primary-dark);
}

/* Personal Loan Overview Table - Bento Container */
.overview-table-wrapper {
  background: var(--white);
  border-radius: var(--radius-xl);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-md);
  overflow: hidden;
}

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

.overview-table th {
  background-color: var(--surface);
  padding: 1.25rem 1.75rem;
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--primary-dark);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  border-bottom: 1px solid var(--border);
}

.overview-table td {
  padding: 1.25rem 1.75rem;
  border-bottom: 1px solid var(--border);
  color: var(--text-secondary);
  font-size: 0.95rem;
}

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

.overview-table tr:hover td {
  background-color: var(--surface);
}

.badge-verify {
  display: inline-block;
  background-color: var(--primary-subtle);
  color: var(--primary);
  font-size: 0.75rem;
  font-weight: 700;
  padding: 0.25rem 0.7rem;
  border-radius: var(--radius-pill);
  border: 1px dashed var(--border);
  letter-spacing: 0.05em;
}

/* Educational Cards / Content - Bento Block */
.edu-content-block {
  background-color: var(--white);
  border-radius: var(--radius-xl);
  padding: 2.75rem;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-md);
}

.edu-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2.5rem;
  align-items: center;
}

.key-term-list {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1.25rem;
  margin-top: 1.5rem;
}

.key-term-item {
  background: var(--surface);
  padding: 1.15rem 1.35rem;
  border-radius: var(--radius-lg);
  border-left: 4px solid var(--primary);
}

.key-term-item strong {
  display: block;
  color: var(--primary-dark);
  font-size: 0.9375rem;
}

.key-term-item span {
  font-size: 0.85rem;
  color: var(--text-secondary);
}

/* Loan Purpose Cards Grid - Bento Pattern */
.purposes-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(270px, 1fr));
  gap: 1.5rem;
}

.purpose-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 2rem;
  border: 1px solid var(--border);
  transition: var(--transition-base);
  text-decoration: none;
  display: flex;
  flex-direction: column;
}

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

.purpose-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-lg);
  background-color: var(--accent-light);
  color: var(--accent-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
}

/* Process Steps Grid - Bento Cards */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  position: relative;
}

.step-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 2.5rem 2rem;
  border: 1px solid var(--border);
  position: relative;
  box-shadow: var(--shadow-sm);
  height: 100%;
  transition: var(--transition-base);
}

.step-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--primary-light);
}

.step-number {
  font-size: 1.75rem;
  font-weight: 800;
  color: var(--accent-dark);
  background: var(--accent-light);
  width: 56px;
  height: 56px;
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
}

/* Personal Loan Calculator Component - Bento Widget */
.calc-widget {
  background: var(--white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
  overflow: hidden;
}

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

.calc-inputs {
  padding: 2.75rem;
}

.calc-outputs {
  background: var(--primary-dark);
  color: var(--white);
  padding: 2.75rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.calc-outputs p, .calc-outputs label {
  color: #B2C7D5;
}

.form-group {
  margin-bottom: 1.5rem;
}

.form-label {
  display: flex;
  justify-content: space-between;
  font-weight: 600;
  font-size: 0.9375rem;
  color: var(--text);
  margin-bottom: 0.5rem;
}

.form-control {
  width: 100%;
  padding: 0.9rem 1.25rem;
  font-family: var(--font-family);
  font-size: 1rem;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  background-color: var(--white);
  color: var(--text);
  transition: var(--transition-fast);
}

.form-control:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(11, 79, 113, 0.15);
  outline: none;
}

.output-value-large {
  font-size: clamp(2.25rem, 4vw, 3.25rem);
  font-weight: 800;
  color: var(--accent);
  line-height: 1.1;
  margin: 0.5rem 0 1.5rem 0;
}

.calc-summary-rows {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  padding: 1.25rem 0;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
  border-bottom: 1px solid rgba(255, 255, 255, 0.15);
  margin-bottom: 1.5rem;
}

.summary-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.9375rem;
}

.summary-row span:last-child {
  font-weight: 700;
  color: var(--white);
}

.calc-disclaimer {
  font-size: 0.78125rem;
  color: #8CAABF;
  line-height: 1.4;
}

/* FAQ Accordion Component */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  max-width: 860px;
  margin: 0 auto;
}

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

.faq-button {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1.35rem 1.75rem;
  background: none;
  border: none;
  text-align: left;
  font-family: var(--font-family);
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--primary-dark);
  cursor: pointer;
  transition: var(--transition-fast);
}

.faq-button:hover {
  color: var(--primary);
  background-color: var(--surface);
}

.faq-icon {
  width: 24px;
  height: 24px;
  flex-shrink: 0;
  transition: transform 0.3s ease;
  color: var(--muted);
}

.faq-item.active .faq-icon {
  transform: rotate(180deg);
  color: var(--accent-dark);
}

.faq-content {
  display: none;
  padding: 0 1.75rem 1.75rem 1.75rem;
  color: var(--text-secondary);
  font-size: 0.95rem;
  line-height: 1.65;
  border-top: 1px solid transparent;
}

.faq-item.active .faq-content {
  display: block;
}

/* Responsible Borrowing Checklist - Bento Card */
.checklist-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 2.75rem;
  border: 1px solid var(--border);
  border-top: 4px solid var(--primary);
  box-shadow: var(--shadow-md);
}

.checklist-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
  margin-top: 1.5rem;
}

.check-item {
  display: flex;
  align-items: flex-start;
  gap: 0.85rem;
}

.check-icon {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background-color: var(--success-bg);
  color: var(--success);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 0.15rem;
}

/* Multi-Step Application Form Wizard - Bento Container */
.wizard-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 2.75rem;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
  max-width: 720px;
  margin: 0 auto;
}

.wizard-progress {
  display: flex;
  justify-content: space-between;
  margin-bottom: 2rem;
  position: relative;
}

.wizard-progress::before {
  content: '';
  position: absolute;
  top: 18px;
  left: 0;
  right: 0;
  height: 3px;
  background-color: var(--border);
  z-index: 1;
}

.progress-step {
  position: relative;
  z-index: 2;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.5rem;
}

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

.progress-step.active .step-bubble {
  border-color: var(--primary);
  background-color: var(--primary);
  color: var(--white);
}

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

.step-label {
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--muted);
}

.progress-step.active .step-label {
  color: var(--primary-dark);
}

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

.wizard-step-pane.active {
  display: block;
}

/* Disclosures & Footer - Bento Style */
.financial-disclosure-box {
  background-color: var(--surface);
  border-radius: var(--radius-lg);
  padding: 1.75rem 2rem;
  border: 1px solid var(--border);
  font-size: 0.8125rem;
  color: var(--text-secondary);
  line-height: 1.6;
  margin: 3rem 0;
}

.financial-disclosure-box h5 {
  color: var(--primary-dark);
  font-size: 0.875rem;
  margin-bottom: 0.5rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  font-weight: 800;
}

.site-footer {
  background-color: var(--primary-dark);
  color: #B2C7D5;
  padding: 4.5rem 0 2rem 0;
  margin-top: auto;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr repeat(3, 1fr);
  gap: 3rem;
  margin-bottom: 3.5rem;
}

.footer-col h4 {
  color: var(--white);
  font-size: 1rem;
  margin-bottom: 1.25rem;
}

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

.footer-links a {
  color: #B2C7D5;
  font-size: 0.875rem;
  transition: var(--transition-fast);
}

.footer-links a:hover {
  color: var(--white);
}

.footer-bottom {
  padding-top: 2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.8125rem;
  flex-wrap: wrap;
  gap: 1rem;
}

/* Toast Notifications */
.toast-container {
  position: fixed;
  bottom: 2rem;
  right: 2rem;
  z-index: 2000;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.toast {
  background: var(--text);
  color: var(--white);
  padding: 1rem 1.5rem;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  font-size: 0.9rem;
  font-weight: 600;
  display: flex;
  align-items: center;
  gap: 0.75rem;
  animation: slideUp 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

@keyframes slideUp {
  from { transform: translateY(100%); opacity: 0; }
  to { transform: translateY(0); opacity: 1; }
}

/* Search bar on FAQ */
.search-box {
  position: relative;
  max-width: 600px;
  margin: 0 auto 2.5rem auto;
}

.search-box input {
  padding-left: 3.25rem;
}

.search-icon {
  position: absolute;
  left: 1.15rem;
  top: 50%;
  transform: translateY(-50%);
  color: var(--muted);
}

/* Media Queries & Responsive Breakpoints */
@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }

  .calc-grid {
    grid-template-columns: 1fr;
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 2.5rem;
  }

  .edu-grid {
    grid-template-columns: 1fr;
  }
}

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

  .nav-menu {
    position: fixed;
    top: var(--header-height);
    left: 0;
    width: 100%;
    background-color: var(--white);
    flex-direction: column;
    padding: 2rem;
    box-shadow: var(--shadow-xl);
    border-bottom: 1px solid var(--border);
    transform: translateY(-150%);
    transition: transform 0.3s ease-in-out;
    z-index: 999;
  }

  .nav-menu.open {
    transform: translateY(0);
  }

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

  .steps-grid {
    grid-template-columns: 1fr;
  }

  .checklist-grid {
    grid-template-columns: 1fr;
  }

  .footer-grid {
    grid-template-columns: 1fr;
  }

  .hero-floating-card {
    display: none;
  }

  .selector-header {
    flex-direction: column;
    align-items: flex-start;
    gap: 0.5rem;
  }
}

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