/* Three Sticks Lending — Core Design System */
@import url('https://fonts.googleapis.com/css2?family=Newsreader:ital,opsz,wght@0,6..72,400..700;1,6..72,400&family=Plus+Jakarta+Sans:wght@400;500;600;700&display=swap');

:root {
  --font-sans: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
  --font-serif: 'Newsreader', Georgia, Cambria, 'Times New Roman', Times, serif;
  --font-mono: ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, monospace;

  /* Palette: 60-30-10 Rule */
  --canvas: #FAFAFA;
  --surface: #FFFFFF;
  --surface-alt: #F3F5F3;
  --surface-tint: #EBF0EC;
  --surface-dark: #0D221A;
  --surface-dark-card: #142E24;
  --surface-dark-border: #1E3E31;

  --text-main: #12221B;
  --text-secondary: #485B52;
  --text-muted: #72837A;
  --text-inverse: #F8FAF9;
  --text-inverse-muted: #9EAEA6;

  --border: #E0E5E1;
  --border-focus: #0D221A;
  --border-light: #ECEFEA;

  /* Accent: Warm Antique Bronze/Gold (10% budget) */
  --accent: #B88344;
  --accent-hover: #A36F32;
  --accent-soft: #F9F3EA;
  --accent-border: #E8D3BA;

  --brand-deep: #0D221A;
  --brand-deep-hover: #16362A;
  --brand-forest: #1A3E31;

  --radius-sm: 4px;
  --radius-md: 6px;
  --radius-lg: 8px;

  --shadow-sm: 0 1px 2px rgba(18, 34, 27, 0.04);
  --shadow-md: 0 4px 12px rgba(18, 34, 27, 0.06);
  --shadow-lg: 0 12px 28px rgba(18, 34, 27, 0.08);

  --container: 1240px;
  --transition: 180ms cubic-bezier(0.16, 1, 0.3, 1);
}

/* Reset & Box Sizing */
*, *::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-sans);
  background-color: var(--canvas);
  color: var(--text-main);
  line-height: 1.6;
  font-weight: 400;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

/* Skip link */
.skip-link {
  position: absolute;
  top: -60px;
  left: 16px;
  background: var(--brand-deep);
  color: #fff;
  padding: 10px 16px;
  z-index: 9999;
  text-decoration: none;
  font-weight: 600;
  border-radius: var(--radius-sm);
  transition: top var(--transition);
}
.skip-link:focus {
  top: 16px;
  outline: 2px solid var(--accent);
}

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

/* Typography Helpers */
h1, h2, h3, h4 {
  color: var(--text-main);
  line-height: 1.25;
  font-weight: 600;
  text-wrap: balance;
}

.font-serif {
  font-family: var(--font-serif);
}

.tabular-nums {
  font-variant-numeric: tabular-nums;
  font-feature-settings: "tnum";
}

p {
  color: var(--text-secondary);
  font-size: 1.03rem;
  line-height: 1.65;
  max-width: 72ch;
}

a {
  color: inherit;
  text-decoration: none;
}

/* Container */
.container {
  width: 100%;
  max-width: var(--container);
  margin-left: auto;
  margin-right: auto;
  padding-left: 24px;
  padding-right: 24px;
}

/* Top Bar / Header Contract */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background-color: rgba(250, 250, 250, 0.94);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border);
  transition: background-color var(--transition);
}

.header-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

/* Brand Wordmark */
.brand-link {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  font-weight: 700;
  font-size: 1.18rem;
  letter-spacing: -0.02em;
  color: var(--brand-deep);
  transition: opacity var(--transition);
}

.brand-link:hover {
  opacity: 0.85;
}

.brand-icon {
  display: inline-flex;
  align-items: flex-end;
  gap: 3.5px;
  height: 24px;
}

.brand-icon span {
  display: block;
  width: 4.5px;
  border-radius: 1px;
  background-color: var(--brand-deep);
}

.brand-icon span:nth-child(1) { height: 16px; }
.brand-icon span:nth-child(2) { height: 24px; background-color: var(--accent); }
.brand-icon span:nth-child(3) { height: 19px; }

/* Primary Nav */
.main-nav {
  display: flex;
  align-items: center;
  gap: 28px;
}

.nav-link {
  font-size: 0.94rem;
  font-weight: 500;
  color: var(--text-secondary);
  position: relative;
  padding: 6px 0;
  transition: color var(--transition);
}

.nav-link:hover {
  color: var(--brand-deep);
}

.nav-link::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 1.5px;
  background-color: var(--accent);
  transition: width var(--transition);
}

.nav-link:hover::after,
.nav-link.active::after {
  width: 100%;
}

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

/* Header Actions */
.header-actions {
  display: flex;
  align-items: center;
  gap: 16px;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 10px 22px;
  font-size: 0.94rem;
  font-weight: 600;
  border-radius: var(--radius-sm);
  transition: background-color var(--transition), color var(--transition), border-color var(--transition), transform var(--transition);
  cursor: pointer;
  white-space: nowrap;
  border: 1px solid transparent;
  line-height: 1.25;
}

.btn:active {
  transform: translateY(1px);
}

.btn-primary {
  background-color: var(--brand-deep);
  color: #FFFFFF;
}

.btn-primary:hover {
  background-color: var(--brand-deep-hover);
  color: #FFFFFF;
}

.btn-secondary {
  background-color: transparent;
  color: var(--brand-deep);
  border-color: var(--border);
}

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

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

.btn-accent:hover {
  background-color: var(--accent-hover);
  color: #FFFFFF;
}

.btn-dark {
  background-color: #FFFFFF;
  color: var(--brand-deep);
}

.btn-dark:hover {
  background-color: #F0F4F2;
}

/* Mobile Toggle */
.mobile-toggle {
  display: none;
  background: none;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 8px;
  cursor: pointer;
  color: var(--brand-deep);
  min-width: 44px;
  min-height: 44px;
  align-items: center;
  justify-content: center;
  touch-action: manipulation;
  -webkit-tap-highlight-color: transparent;
  transition: background-color var(--transition), border-color var(--transition);
}

.mobile-toggle:hover,
.mobile-toggle:focus-visible {
  background-color: var(--surface);
  border-color: var(--text-secondary);
}

.mobile-toggle svg {
  width: 24px;
  height: 24px;
  display: block;
  pointer-events: none;
}

/* Mobile Menu Overlay */
.mobile-menu {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  right: 0;
  width: 100%;
  background: #FFFFFF;
  border-bottom: 2px solid var(--border);
  padding: 20px 24px 28px;
  box-shadow: 0 16px 32px rgba(0, 0, 0, 0.12);
  z-index: 9999;
  max-height: calc(100vh - 72px);
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
}

.mobile-menu.open {
  display: block;
}

.mobile-nav-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 20px;
  padding: 0;
}

.mobile-nav-list a {
  font-size: 1.05rem;
  font-weight: 500;
  color: var(--text-main);
  display: block;
  padding: 8px 0;
  border-bottom: 1px solid #F0ECE1;
  transition: color var(--transition), padding-left var(--transition);
}

.mobile-nav-list a:hover,
.mobile-nav-list a.active {
  color: var(--brand-deep);
  font-weight: 600;
  padding-left: 6px;
}

/* Eyebrow / Text Kicker (Zero-Pill Discipline: unboxed clean text) */
.eyebrow {
  display: block;
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--accent);
  margin-bottom: 12px;
}

.eyebrow-dark {
  color: #D4A373;
}

/* Editorial Metadata Line (Clean, unboxed text with subtle separators) */
.meta-line {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px;
  font-size: 0.88rem;
  color: var(--text-muted);
}

.meta-line span.sep {
  color: var(--border);
  user-select: none;
}

/* Hero Section: 55/45 Desktop, Text Left / Image Right */
.hero-section {
  padding: 72px 0 64px;
  border-bottom: 1px solid var(--border);
  background: linear-gradient(180deg, #FFFFFF 0%, var(--canvas) 100%);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 56px;
  align-items: center;
}

.hero-text h1 {
  font-size: clamp(2.3rem, 4vw, 3.4rem);
  letter-spacing: -0.025em;
  color: var(--brand-deep);
  margin-bottom: 20px;
  line-height: 1.15;
}

.hero-lead {
  font-size: 1.12rem;
  line-height: 1.68;
  color: var(--text-secondary);
  margin-bottom: 32px;
  max-width: 60ch;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 16px;
  margin-bottom: 36px;
}

.hero-bullets {
  list-style: none;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px 20px;
  padding-top: 24px;
  border-top: 1px solid var(--border);
}

.hero-bullet-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.88rem;
  color: var(--text-secondary);
  font-weight: 500;
}

.hero-bullet-item svg {
  width: 18px;
  height: 18px;
  color: var(--accent);
  flex-shrink: 0;
  margin-top: 2px;
}

.hero-image-wrapper {
  position: relative;
  border-radius: var(--radius-md);
  overflow: hidden;
  border: 1px solid var(--border);
  background-color: var(--surface-alt);
  aspect-ratio: 4 / 3;
  box-shadow: var(--shadow-md);
}

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

.hero-image-caption {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  padding: 16px 20px;
  background: linear-gradient(180deg, transparent 0%, rgba(13, 34, 26, 0.88) 100%);
  color: #FFFFFF;
  font-size: 0.84rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

/* Loan / APR / Term Highlights (Prominent 3-column banner) */
.highlights-section {
  padding: 48px 0;
  background-color: var(--brand-deep);
  color: #FFFFFF;
}

.highlights-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  text-align: center;
  position: relative;
}

.highlight-col {
  padding: 8px 16px;
  position: relative;
}

.highlight-col:not(:last-child)::after {
  content: '';
  position: absolute;
  right: 0;
  top: 15%;
  height: 70%;
  width: 1px;
  background-color: var(--surface-dark-border);
}

.highlight-val {
  display: block;
  font-size: clamp(2rem, 3.2vw, 2.75rem);
  font-weight: 700;
  letter-spacing: -0.02em;
  color: #FFFFFF;
  margin-bottom: 6px;
  line-height: 1.1;
}

.highlight-label {
  display: block;
  font-size: 0.95rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--accent);
  font-weight: 600;
}

.highlights-disclaimer {
  margin-top: 24px;
  text-align: center;
  font-size: 0.82rem;
  color: var(--text-inverse-muted);
  max-width: 800px;
  margin-left: auto;
  margin-right: auto;
  line-height: 1.55;
}

/* Section Header Structure */
.section {
  padding: 80px 0;
}

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

.section-dark {
  background-color: var(--surface-dark);
  color: var(--text-inverse);
}

.section-dark h2,
.section-dark h3 {
  color: #FFFFFF;
}

.section-dark p {
  color: var(--text-inverse-muted);
}

.section-header {
  margin-bottom: 48px;
}

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

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

.section-title {
  font-size: clamp(1.8rem, 3vw, 2.4rem);
  letter-spacing: -0.02em;
  color: var(--brand-deep);
  margin-bottom: 12px;
}

.section-desc {
  font-size: 1.05rem;
  color: var(--text-secondary);
  max-width: 65ch;
}

/* Card System */
.card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 32px;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}

.card:hover {
  border-color: #CBD5CD;
  box-shadow: var(--shadow-sm);
}

.card-title {
  font-size: 1.22rem;
  font-weight: 600;
  color: var(--brand-deep);
  margin-bottom: 10px;
}

.card-text {
  font-size: 0.95rem;
  color: var(--text-secondary);
  line-height: 1.6;
}

/* Quick Estimator & Loan Calculator Components */
.calculator-box {
  background-color: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 36px;
  box-shadow: var(--shadow-md);
}

.calc-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 40px;
  align-items: start;
}

.calc-control-group {
  margin-bottom: 28px;
}

.calc-label-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 10px;
}

.calc-label {
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--brand-deep);
}

.calc-value-display {
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--brand-deep);
  font-family: var(--font-sans);
}

.calc-slider {
  width: 100%;
  height: 6px;
  -webkit-appearance: none;
  appearance: none;
  background: var(--surface-alt);
  border-radius: 3px;
  outline: none;
  border: 1px solid var(--border);
}

.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--brand-deep);
  border: 2px solid #FFFFFF;
  box-shadow: 0 1px 4px rgba(0,0,0,0.25);
  cursor: pointer;
  transition: transform var(--transition);
}

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

.calc-slider::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--brand-deep);
  border: 2px solid #FFFFFF;
  cursor: pointer;
}

.calc-presets {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 12px;
}

.preset-btn {
  background: var(--surface-alt);
  border: 1px solid var(--border);
  padding: 6px 12px;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text-secondary);
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: background-color var(--transition), border-color var(--transition), color var(--transition);
}

.preset-btn:hover {
  background: var(--surface);
  border-color: var(--text-secondary);
  color: var(--brand-deep);
}

.preset-btn.active {
  background: var(--brand-deep);
  border-color: var(--brand-deep);
  color: #FFFFFF;
}

.term-selector {
  display: grid;
  grid-template-columns: repeat(7, 1fr);
  gap: 6px;
  margin-top: 8px;
}

.term-btn {
  background: var(--surface-alt);
  border: 1px solid var(--border);
  padding: 10px 4px;
  font-size: 0.84rem;
  font-weight: 600;
  color: var(--text-secondary);
  border-radius: var(--radius-sm);
  cursor: pointer;
  text-align: center;
  transition: all var(--transition);
}

.term-btn:hover {
  background: var(--surface);
  border-color: var(--brand-deep);
  color: var(--brand-deep);
}

.term-btn.active {
  background: var(--brand-deep);
  border-color: var(--brand-deep);
  color: #FFFFFF;
}

/* Calculator Result Summary Card */
.calc-summary {
  background-color: var(--surface-dark);
  color: #FFFFFF;
  border-radius: var(--radius-md);
  padding: 32px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.calc-summary-header {
  border-bottom: 1px solid var(--surface-dark-border);
  padding-bottom: 20px;
  margin-bottom: 24px;
}

.calc-result-kicker {
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--accent);
  font-weight: 600;
  display: block;
  margin-bottom: 4px;
}

.calc-main-payment {
  font-size: 2.8rem;
  font-weight: 700;
  line-height: 1.1;
  color: #FFFFFF;
  letter-spacing: -0.02em;
}

.calc-period {
  font-size: 0.92rem;
  color: var(--text-inverse-muted);
  font-weight: 400;
}

.calc-breakdown-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-bottom: 28px;
}

.calc-breakdown-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  font-size: 0.92rem;
  color: var(--text-inverse-muted);
}

.calc-breakdown-row strong {
  color: #FFFFFF;
  font-size: 1.05rem;
}

.calc-notice {
  font-size: 0.78rem;
  color: var(--text-inverse-muted);
  line-height: 1.5;
  margin-top: 16px;
  border-top: 1px solid var(--surface-dark-border);
  padding-top: 14px;
}

/* Why Explore Grid */
.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.grid-4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 36px;
}

/* 4-Step Process Section */
.process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  position: relative;
}

.process-step {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 32px 24px;
  position: relative;
}

.step-num {
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--accent);
  display: block;
  margin-bottom: 16px;
  line-height: 1;
}

.step-title {
  font-size: 1.15rem;
  font-weight: 600;
  color: var(--brand-deep);
  margin-bottom: 10px;
}

.step-text {
  font-size: 0.92rem;
  color: var(--text-secondary);
  line-height: 1.55;
}

/* Comparison Table */
.comparison-container {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow-x: auto;
  box-shadow: var(--shadow-sm);
}

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
  min-width: 640px;
}

.comparison-table th,
.comparison-table td {
  padding: 18px 24px;
  border-bottom: 1px solid var(--border);
  font-size: 0.95rem;
}

.comparison-table th {
  background-color: var(--surface-alt);
  font-weight: 600;
  color: var(--brand-deep);
  font-size: 1rem;
}

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

.comparison-table td:first-child {
  font-weight: 600;
  color: var(--brand-deep);
  width: 25%;
}

.comparison-table td:nth-child(2) {
  width: 37.5%;
  background-color: rgba(243, 245, 243, 0.4);
}

.comparison-table td:nth-child(3) {
  width: 37.5%;
}

/* Loan Purposes Grid */
.purpose-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 24px;
  transition: transform var(--transition), border-color var(--transition);
}

.purpose-card:hover {
  border-color: var(--brand-deep);
  transform: translateY(-2px);
}

.purpose-icon {
  width: 44px;
  height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-sm);
  background-color: var(--surface-alt);
  color: var(--brand-deep);
  margin-bottom: 16px;
}

.purpose-title {
  font-size: 1.12rem;
  font-weight: 600;
  color: var(--brand-deep);
  margin-bottom: 8px;
}

.purpose-text {
  font-size: 0.9rem;
  color: var(--text-secondary);
  line-height: 1.5;
}

/* Truth in Lending Checklist */
.checklist-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.checklist-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 16px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
}

.checklist-item svg {
  width: 20px;
  height: 20px;
  color: var(--accent);
  flex-shrink: 0;
  margin-top: 1px;
}

.checklist-item strong {
  display: block;
  font-size: 0.95rem;
  color: var(--brand-deep);
  margin-bottom: 2px;
}

.checklist-item p {
  font-size: 0.85rem;
  color: var(--text-secondary);
  line-height: 1.45;
}

/* FAQ Accordion */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
  max-width: 900px;
  margin: 0 auto;
}

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

.faq-item.active {
  border-color: var(--brand-deep);
}

.faq-question {
  width: 100%;
  text-align: left;
  background: none;
  border: none;
  padding: 20px 24px;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--brand-deep);
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  transition: color var(--transition);
}

.faq-question:hover {
  color: var(--accent);
}

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

.faq-icon {
  width: 20px;
  height: 20px;
  color: var(--text-muted);
  transition: transform var(--transition);
  flex-shrink: 0;
}

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

.faq-answer {
  display: none;
  padding: 0 24px 22px;
  font-size: 0.96rem;
  color: var(--text-secondary);
  line-height: 1.65;
}

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

/* FAQ Category Filter (Zero-Pill: Segmented Controls) */
.faq-filters {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 8px;
  margin-bottom: 36px;
}

.faq-filter-btn {
  background: var(--surface);
  border: 1px solid var(--border);
  padding: 8px 16px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--text-secondary);
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: all var(--transition);
}

.faq-filter-btn:hover {
  border-color: var(--brand-deep);
  color: var(--brand-deep);
}

.faq-filter-btn.active {
  background: var(--brand-deep);
  border-color: var(--brand-deep);
  color: #FFFFFF;
}

/* Final CTA Section */
.final-cta-section {
  padding: 80px 0;
  background-color: var(--brand-deep);
  color: #FFFFFF;
  text-align: center;
}

.final-cta-content {
  max-width: 760px;
  margin: 0 auto;
}

.final-cta-content h2 {
  color: #FFFFFF;
  font-size: clamp(2rem, 3.5vw, 2.8rem);
  margin-bottom: 16px;
  letter-spacing: -0.02em;
}

.final-cta-content p {
  color: var(--text-inverse-muted);
  font-size: 1.1rem;
  margin: 0 auto 32px;
}

/* Disclosure Box */
.disclosure-section {
  padding: 40px 0;
  background-color: #F0F3F1;
  border-top: 1px solid var(--border);
  font-size: 0.82rem;
  color: var(--text-secondary);
  line-height: 1.6;
}

.disclosure-box {
  border-left: 3px solid var(--accent);
  padding-left: 16px;
}

.disclosure-box p:not(:last-child) {
  margin-bottom: 12px;
}

/* Footer */
.site-footer {
  background-color: var(--surface-dark);
  color: var(--text-inverse-muted);
  padding: 64px 0 32px;
  font-size: 0.9rem;
  border-top: 1px solid var(--surface-dark-border);
}

.footer-top {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid var(--surface-dark-border);
}

.footer-brand {
  max-width: 360px;
}

.footer-brand .brand-link {
  color: #FFFFFF;
  margin-bottom: 16px;
}

.footer-brand .brand-icon span {
  background-color: #FFFFFF;
}

.footer-brand .brand-icon span:nth-child(2) {
  background-color: var(--accent);
}

.footer-brand p {
  color: var(--text-inverse-muted);
  font-size: 0.9rem;
  line-height: 1.6;
}

.footer-col h4 {
  color: #FFFFFF;
  font-size: 0.95rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 20px;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-links a {
  color: var(--text-inverse-muted);
  transition: color var(--transition);
}

.footer-links a:hover {
  color: #FFFFFF;
}

.footer-bottom {
  padding-top: 32px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
  font-size: 0.84rem;
}

/* Forms & Inputs */
.form-container {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 20px;
  box-shadow: var(--shadow-md);
  max-width: 720px;
  margin: 0 auto;
}

.form-group {
  margin-bottom: 24px;
}

.form-label {
  display: block;
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--brand-deep);
  margin-bottom: 8px;
}

.form-input,
.form-select {
  width: 100%;
  padding: 12px 16px;
  font-size: 1rem;
  font-family: inherit;
  color: var(--text-main);
  background-color: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  transition: border-color var(--transition), box-shadow var(--transition);
}

.form-input:focus,
.form-select:focus {
  outline: none;
  border-color: var(--brand-deep);
  box-shadow: 0 0 0 3px rgba(13, 34, 26, 0.1);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.form-hint {
  font-size: 0.8rem;
  color: var(--text-muted);
  margin-top: 6px;
  display: block;
}

.form-checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.88rem;
  color: var(--text-secondary);
  cursor: pointer;
  line-height: 1.5;
}

.form-checkbox-label input[type="checkbox"] {
  margin-top: 3px;
  accent-color: var(--brand-deep);
  width: 16px;
  height: 16px;
}

/* Form Demo Alert */
.demo-banner {
  background-color: var(--accent-soft);
  border: 1px solid var(--accent-border);
  padding: 14px 18px;
  border-radius: var(--radius-sm);
  color: #784E1C;
  font-size: 0.88rem;
  margin-bottom: 24px;
  line-height: 1.5;
}

/* Breadcrumbs (SEO requirement) */
.breadcrumbs {
  padding: 16px 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.86rem;
}

.breadcrumb-list {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px;
  color: var(--text-muted);
}

.breadcrumb-list a {
  color: var(--text-secondary);
  transition: color var(--transition);
}

.breadcrumb-list a:hover {
  color: var(--brand-deep);
}

.breadcrumb-sep {
  user-select: none;
  color: var(--border);
}

/* Subpage Hero */
.subpage-hero {
  padding: 56px 0 48px;
  background-color: var(--surface);
  border-bottom: 1px solid var(--border);
}

.subpage-hero h1 {
  font-size: clamp(2.2rem, 3.5vw, 3rem);
  color: var(--brand-deep);
  margin-bottom: 16px;
}

/* Responsive Media Queries */
@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  
  .hero-image-wrapper {
    order: 2;
    max-width: 640px;
    margin: 0 auto;
    width: 100%;
  }

  .hero-text {
    order: 1;
  }

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

  .grid-3 {
    grid-template-columns: repeat(2, 1fr);
  }

  .grid-4 {
    grid-template-columns: repeat(2, 1fr);
  }

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

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

  .footer-top {
    grid-template-columns: repeat(2, 1fr);
    gap: 36px;
  }
}

@media (max-width: 860px) {
  .main-nav {
    display: none;
  }

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

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

@media (max-width: 768px) {

  .highlights-grid {
    grid-template-columns: 1fr;
    gap: 24px;
  }

  .highlight-col:not(:last-child)::after {
    display: none;
  }

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

  .grid-3,
  .grid-4,
  .process-grid,
  .checklist-grid,
  .grid-2 {
    grid-template-columns: 1fr;
  }

  .term-selector {
    grid-template-columns: repeat(4, 1fr);
  }

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

  .footer-top {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .footer-bottom {
    flex-direction: column;
    align-items: flex-start;
  }
}