/* index-styles.css — below-fold styles for the homepage, async-loaded.
   Split from index.html inline CSS 2026-07-18 for LCP. Above-fold (tokens,
   base, top-bar, nav, hero, scroll animations) remains inline in index.html. */

   TRUST BAR
============================================ */
.trust-bar {
    padding: var(--space-8) 0;
    border-bottom: 1px solid var(--border-subtle);
    background: #FFFFFF;
}

.trust-items {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: var(--space-10);
    flex-wrap: wrap;
}

.trust-item {
    display: flex;
    align-items: center;
    gap: var(--space-3);
    color: var(--text-muted);
    font-size: var(--text-sm);
    font-weight: 500;
}

.trust-item a {
    display: flex;
    align-items: center;
    gap: var(--space-3);
    transition: color var(--duration-fast);
}

.trust-item a:hover {
    color: var(--text-primary);
}

.trust-icon {
    font-size: var(--text-lg);
}

/* ============================================
   STATS SECTION
============================================ */
.stats-section {
    padding: var(--space-20) 0;
    background: var(--bg-primary);
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--space-6);
}

.stat-card {
    text-align: center;
    padding: var(--space-8);
    background: var(--bg-card);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    border-radius: var(--radius-xl);
    border: 1px solid var(--border-subtle);
    transition: all var(--duration-base) var(--ease-out);
    position: relative;
    overflow: hidden;
}

.stat-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: radial-gradient(circle at 50% 0%, rgba(16, 185, 129, 0.08) 0%, transparent 60%);
    opacity: 0;
    transition: opacity 0.4s ease;
}

.stat-card:hover {
    border-color: var(--border-accent);
    transform: translateY(-6px) scale(1.02);
}

.stat-card:hover::before {
    opacity: 1;
}

.stat-number {
    font-family: var(--font-mono);
    font-size: var(--text-5xl);
    font-weight: 700;
    letter-spacing: -0.03em;
    background: linear-gradient(135deg, var(--accent-dark) 0%, var(--accent) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    margin-bottom: var(--space-2);
}

.stat-label {
    font-size: var(--text-sm);
    color: var(--text-muted);
}

/* ============================================
   PROGRAMS SECTION
============================================ */
.programs-section {
    padding: var(--space-24) 0;
    background: var(--bg-primary);
}

.programs-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--space-5);
    margin-bottom: var(--space-10);
}

.program-card {
    background: var(--bg-card);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    padding: var(--space-8);
    border-radius: var(--radius-xl);
    border: 1px solid var(--border-subtle);
    transition: all var(--duration-base) var(--ease-out);
    position: relative;
    overflow: hidden;
    transform-style: preserve-3d;
}

.program-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--accent), var(--accent-dark));
    transform: scaleX(0);
    transition: transform var(--duration-base) var(--ease-out);
}

/* Shine effect on card hover */
.program-card::after {
    content: '';
    position: absolute;
    top: -50%;
    left: -50%;
    width: 200%;
    height: 200%;
    background: linear-gradient(
        to right,
        transparent 0%,
        rgba(255, 255, 255, 0.02) 50%,
        transparent 100%
    );
    transform: rotate(45deg) translateX(-100%);
    transition: transform 0.8s ease;
    pointer-events: none;
}

.program-card:hover::after {
    transform: rotate(45deg) translateX(100%);
}

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

.program-card:hover::before {
    transform: scaleX(1);
}

.program-icon {
    width: 56px;
    height: 56px;
    background: var(--accent-subtle);
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: var(--text-2xl);
    margin-bottom: var(--space-5);
}

.program-card h3 {
    font-size: var(--text-lg);
    margin-bottom: var(--space-3);
}

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

.programs-more {
    background: var(--bg-card);
    padding: var(--space-12);
    border-radius: var(--radius-2xl);
    text-align: center;
    border: 1px solid var(--border-subtle);
    box-shadow: 0 1px 3px rgba(0, 0, 0, 0.04), 0 8px 24px rgba(0, 0, 0, 0.04);
}

.programs-more h3 {
    font-size: var(--text-2xl);
    margin-bottom: var(--space-3);
}

.programs-more > p {
    color: var(--text-secondary);
    margin-bottom: var(--space-8);
}

.loan-tags {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: var(--space-3);
    margin-bottom: var(--space-8);
}

.loan-tag {
    background: var(--accent-subtle);
    color: var(--text-secondary);
    padding: var(--space-2) var(--space-4);
    border-radius: var(--radius-full);
    font-size: var(--text-sm);
    font-weight: 500;
    border: 1px solid var(--border-subtle);
}

/* ============================================
   TESTIMONIALS
============================================ */
.testimonials-section {
    padding: var(--space-24) 0;
    background: var(--bg-primary);
    position: relative;
    overflow: hidden;
}

.reviews-aggregate {
    display: flex;
    align-items: center;
    justify-content: center;
    flex-wrap: wrap;
    gap: var(--space-4) var(--space-6);
    max-width: 860px;
    margin: 0 auto var(--space-12);
    padding: var(--space-5) var(--space-8);
    background: var(--bg-card);
    border: 1px solid var(--border-subtle);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-sm);
}

.reviews-aggregate-stars {
    color: var(--accent);
    font-size: var(--text-xl);
    letter-spacing: 3px;
}

.reviews-aggregate-text {
    font-family: var(--font-mono);
    font-size: var(--text-sm);
    font-weight: 500;
    color: var(--text-secondary);
    letter-spacing: -0.01em;
}

.reviews-aggregate-ctas {
    display: flex;
    gap: var(--space-3);
    flex-wrap: wrap;
}

.reviews-aggregate .btn {
    min-height: 40px;
    padding: 10px 18px;
    font-size: var(--text-xs);
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--space-6);
}

.testimonial-card {
    background: var(--bg-card);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    padding: var(--space-8);
    border-radius: var(--radius-xl);
    border: 1px solid var(--border-subtle);
    transition: all var(--duration-base) var(--ease-out);
    position: relative;
    transform-style: preserve-3d;
}

.testimonial-card:hover {
    border-color: var(--border-accent);
    transform: translateY(-8px);
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.3), 0 0 60px rgba(16, 185, 129, 0.05);
}

.testimonial-card::before {
    content: '"';
    position: absolute;
    top: var(--space-4);
    right: var(--space-6);
    font-size: 4rem;
    font-family: Georgia, serif;
    color: var(--accent);
    opacity: 0.15;
    line-height: 1;
}

.stars {
    color: var(--accent);
    font-size: var(--text-sm);
    letter-spacing: 2px;
    margin-bottom: var(--space-4);
}

.testimonial-card > p {
    font-size: var(--text-sm);
    line-height: 1.7;
    margin-bottom: var(--space-6);
    color: var(--text-secondary);
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: var(--space-3);
    padding-top: var(--space-4);
    border-top: 1px solid var(--border-subtle);
}

.author-avatar {
    width: 44px;
    height: 44px;
    background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%);
    border-radius: var(--radius-full);
    display: flex;
    align-items: center;
    justify-content: center;
    color: #000;
    font-weight: 700;
    font-size: var(--text-sm);
}

.author-name {
    font-weight: 600;
    color: var(--text-primary);
    font-size: var(--text-sm);
}

.author-title {
    font-size: var(--text-xs);
    color: var(--text-muted);
}

/* ============================================
   WHO I HELP
============================================ */
.who-section {
    padding: var(--space-24) 0;
    background: #F3F7F4;
    position: relative;
    overflow: hidden;
}

.who-section::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(60% 80% at 50% 0%, rgba(16, 185, 129, 0.10), transparent 70%);
    pointer-events: none;
}

.who-section > .container {
    position: relative;
    z-index: 1;
}

.who-grid {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: var(--space-5);
}

.who-card {
    display: block;
    text-align: center;
    padding: var(--space-6);
    background: var(--bg-card);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    border-radius: var(--radius-xl);
    border: 1px solid var(--border-subtle);
    transition: all var(--duration-base) var(--ease-out);
    position: relative;
    overflow: hidden;
    cursor: pointer;
}

.who-card::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, transparent 40%, rgba(16, 185, 129, 0.03) 100%);
    opacity: 0;
    transition: opacity 0.4s ease;
}

.who-card:hover {
    border-color: var(--border-accent);
    transform: translateY(-6px) scale(1.02);
}

.who-card:hover::after {
    opacity: 1;
}

.who-icon {
    font-size: 2.5rem;
    margin-bottom: var(--space-4);
}

.who-card h3 {
    font-size: var(--text-base);
    margin-bottom: var(--space-2);
}

.who-card p {
    font-size: var(--text-sm);
    color: var(--text-muted);
    line-height: 1.5;
}

/* ============================================
   CLOSING CAROUSEL
============================================ */
.closing-carousel {
    padding: var(--space-20) 0;
    background: var(--bg-primary);
}

.closing-carousel .section-header {
    text-align: center;
    margin-bottom: var(--space-12);
}

.carousel-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 var(--space-6);
}

.carousel-track {
    display: flex;
    flex-wrap: wrap;
    gap: var(--space-6);
    justify-content: center;
}

.carousel-item {
    width: calc(33.333% - var(--space-6));
    border-radius: var(--radius-lg);
    overflow: hidden;
    border: 1px solid var(--border-subtle);
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.3);
    transition: transform 0.3s ease, box-shadow 0.3s ease;
    aspect-ratio: 4 / 3;
}

.carousel-item:hover {
    transform: scale(1.03);
    box-shadow: 0 8px 30px rgba(16, 185, 129, 0.15);
}

.carousel-item img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

@media (max-width: 768px) {
    .carousel-item {
        width: calc(50% - var(--space-4));
    }
    .carousel-track {
        gap: var(--space-4);
    }
}

@media (max-width: 480px) {
    .carousel-item {
        width: 100%;
    }
}

/* ============================================
   ABOUT / WHY ME
============================================ */
.about-section {
    padding: var(--space-24) 0;
    background: var(--bg-primary);
}

.about-content {
    text-align: center;
    max-width: 800px;
    margin: 0 auto;
}

.about-content > p {
    font-size: var(--text-lg);
    color: var(--text-secondary);
    line-height: 1.8;
    margin-bottom: var(--space-12);
}

.about-features {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: var(--space-5);
}

.about-feature {
    display: flex;
    gap: var(--space-4);
    text-align: left;
    padding: var(--space-6);
    background: var(--bg-card);
    border-radius: var(--radius-xl);
    border: 1px solid var(--border-subtle);
    transition: all var(--duration-base) var(--ease-out);
}

.about-feature:hover {
    border-color: var(--border-accent);
}

.feature-icon {
    width: 52px;
    height: 52px;
    background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%);
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: var(--text-xl);
    flex-shrink: 0;
}

.about-feature h4 {
    font-size: var(--text-base);
    margin-bottom: var(--space-1);
}

.about-feature p {
    font-size: var(--text-sm);
    color: var(--text-muted);
}

/* ============================================
   CALCULATOR
============================================ */
/* ===== Live Market-Rate Tracker ===== */
.rate-tracker-section {
    padding: var(--space-16) 0;
    background: var(--bg-primary);
}

.rate-tracker {
    max-width: 820px;
    margin: 0 auto;
    background: var(--bg-card);
    border: 1px solid var(--border-subtle);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-md);
    overflow: hidden;
}

.rate-tracker-head {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: var(--space-4);
    padding: var(--space-5) var(--space-6);
    border-bottom: 1px solid var(--border-subtle);
}

.rate-tracker-eyebrow {
    font-size: 0.8125rem;
    font-weight: 700;
    color: var(--text-primary);
    text-transform: uppercase;
    letter-spacing: 0.1em;
}

/* Live badge — mirrors .calc-live-badge / .calc-live-dot / pulseLive */
.rate-live-badge {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 0.6875rem;
    font-weight: 600;
    color: var(--accent-dark);
    text-transform: uppercase;
    letter-spacing: 0.12em;
}

.rate-live-dot {
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: var(--accent);
    box-shadow: 0 0 8px var(--accent);
    animation: pulseLive 2s ease-in-out infinite;
}

.rate-tracker-body { padding: var(--space-6); }

.rate-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--space-6);
}

.rate-cell-label {
    font-size: 0.8125rem;
    font-weight: 600;
    color: var(--text-muted);
    margin-bottom: var(--space-2);
}

.rate-cell-value {
    display: flex;
    align-items: baseline;
    gap: var(--space-3);
    flex-wrap: wrap;
}

.rate-cell-primary .rate-number { font-size: 2.75rem; }
.rate-number {
    font-family: var(--font-mono);
    font-size: 2rem;
    font-weight: 700;
    line-height: 1;
    color: var(--text-primary);
}

.rate-change {
    font-family: var(--font-mono);
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--text-muted);
}
.rate-change.is-up { color: var(--accent-dark); }
.rate-change.is-down { color: #C0392B; }

.rate-sublabel {
    font-size: 0.75rem;
    color: var(--text-dim);
    margin-top: var(--space-1);
}

.rate-treasury {
    margin-top: var(--space-5);
    padding-top: var(--space-4);
    border-top: 1px solid var(--border-subtle);
    font-family: var(--font-mono);
    font-size: 0.875rem;
    color: var(--text-secondary);
}
.rate-treasury .rate-change { font-size: 0.8125rem; }

.rate-attribution {
    margin-top: var(--space-4);
    font-size: 0.75rem;
    color: var(--text-muted);
}

.rate-disclaimer {
    margin-top: var(--space-3);
    font-size: 0.6875rem;
    line-height: 1.5;
    color: var(--text-dim);
}

.rate-disclaimer-strip {
    padding: var(--space-8) 0;
    background: var(--bg-primary);
    border-top: 1px solid var(--border-subtle);
}
.rate-disclaimer-strip p {
    max-width: 900px;
    margin: 0 auto;
    text-align: center;
    font-size: 0.6875rem;
    line-height: 1.6;
    color: var(--text-dim);
}

.rate-tracker-cta {
    margin-top: var(--space-6);
    display: flex;
}
.rate-tracker-cta .btn { width: 100%; justify-content: center; }

.rate-fallback { display: none; }
.rate-tracker.is-fallback .rate-grid,
.rate-tracker.is-fallback .rate-treasury,
.rate-tracker.is-fallback .rate-attribution { display: none; }
.rate-tracker.is-fallback .rate-fallback {
    display: block;
    font-size: 1.0625rem;
    font-weight: 600;
    color: var(--text-primary);
}
.rate-tracker.is-fallback .rate-fallback a { color: var(--accent-dark); }

@media (max-width: 480px) {
    .rate-grid { grid-template-columns: 1fr; }
    .rate-cell-primary .rate-number { font-size: 2.25rem; }
}

.calculator-section {
    padding: var(--space-24) 0;
    background: radial-gradient(120% 120% at 50% 0%, #17181B 0%, #0E0F11 55%, #0A0B0C 100%);
    color: var(--text-on-dark);
    position: relative;
    overflow: hidden;
}

.calculator-section::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(60% 80% at 50% 0%, rgba(16, 185, 129, 0.10), transparent 70%);
    pointer-events: none;
}

.calculator-section > .container {
    position: relative;
    z-index: 1;
}

/* Dark-beat text + eyebrow */
.calculator-section .eyebrow {
    color: var(--accent-light);
}

.calculator-section .calculator-info h2 {
    color: var(--text-on-dark);
}

.calculator-section .calculator-info > p {
    color: var(--text-on-dark-secondary);
}

.calculator-section .calc-feature span {
    color: var(--text-on-dark-secondary);
}

.calculator-section .calc-feature span strong {
    color: #FFFFFF;
}

.calculator-wrapper {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: var(--space-16);
    align-items: center;
}

.calculator-info h2 {
    font-size: var(--text-3xl);
    margin-bottom: var(--space-5);
    line-height: 1.2;
}

.calculator-info > p {
    color: var(--text-secondary);
    margin-bottom: var(--space-10);
    font-size: var(--text-lg);
    line-height: 1.7;
}

.calc-features {
    display: flex;
    flex-direction: column;
    gap: var(--space-5);
}

.calc-feature {
    display: flex;
    align-items: flex-start;
    gap: var(--space-4);
    padding: var(--space-3) 0;
}

.calc-check {
    width: 28px;
    height: 28px;
    background: var(--accent);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 14px;
    flex-shrink: 0;
    margin-top: 2px;
}

.calc-feature span {
    color: var(--text-secondary);
    font-size: var(--text-base);
    line-height: 1.6;
}

.calculator-card {
    background: var(--bg-card);
    border-radius: var(--radius-xl);
    border: 1px solid var(--border-subtle);
    overflow: hidden;
    box-shadow: 0 1px 3px rgba(0, 0, 0, 0.04), 0 8px 24px rgba(0, 0, 0, 0.04);
}

.calc-tabs {
    display: flex;
    border-bottom: 1px solid var(--border-subtle);
}

.calc-tab {
    flex: 1;
    padding: var(--space-4) var(--space-6);
    background: none;
    border: none;
    font-family: inherit;
    font-size: var(--text-sm);
    font-weight: 600;
    color: var(--text-muted);
    cursor: pointer;
    transition: all var(--duration-fast);
    position: relative;
}

.calc-tab:hover {
    color: var(--text-secondary);
}

.calc-tab.active {
    color: var(--text-primary);
    background: var(--bg-elevated);
}

.calc-tab.active::after {
    content: '';
    position: absolute;
    bottom: -1px;
    left: 0;
    right: 0;
    height: 2px;
    background: var(--accent);
}

.calc-body {
    padding: var(--space-6);
}

.calc-form-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--space-4);
}

.calc-field {
    display: flex;
    flex-direction: column;
    gap: var(--space-2);
}

.calc-field label {
    font-size: var(--text-xs);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--text-muted);
}

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

.calc-input-wrapper .prefix {
    position: absolute;
    left: var(--space-3);
    top: 50%;
    transform: translateY(-50%);
    color: var(--text-muted);
    font-size: var(--text-sm);
}

.calc-input {
    width: 100%;
    padding: var(--space-3) var(--space-4);
    padding-left: var(--space-8);
    background: var(--bg-elevated);
    border: 1px solid var(--border-subtle);
    border-radius: var(--radius-md);
    font-family: inherit;
    font-size: var(--text-base);
    color: var(--text-primary);
    transition: all var(--duration-fast);
}

.calc-input:focus {
    outline: none;
    border-color: var(--accent);
    box-shadow: 0 0 0 3px var(--accent-subtle);
}

.calc-select {
    width: 100%;
    padding: var(--space-3) var(--space-4);
    background: var(--bg-elevated);
    border: 1px solid var(--border-subtle);
    border-radius: var(--radius-md);
    font-family: inherit;
    font-size: var(--text-base);
    color: var(--text-primary);
    cursor: pointer;
    transition: all var(--duration-fast);
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%23737373' d='M6 8L1 3h10z'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 12px center;
}

.calc-select:focus {
    outline: none;
    border-color: var(--accent);
    box-shadow: 0 0 0 3px var(--accent-subtle);
}

.calc-helper {
    font-size: var(--text-xs);
    color: var(--text-muted);
}

.calc-result {
    margin-top: var(--space-6);
    padding: var(--space-6);
    background: var(--bg-primary);
    border-radius: var(--radius-lg);
    border: 1px solid var(--border-subtle);
}

.calc-result-header {
    display: flex;
    justify-content: space-between;
    align-items: flex-end;
    margin-bottom: var(--space-4);
}

.calc-result-label {
    font-size: var(--text-xs);
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: var(--text-muted);
}

.calc-result-amount {
    font-family: var(--font-mono);
    font-size: var(--text-4xl);
    font-weight: 700;
    letter-spacing: -0.03em;
    color: var(--accent-dark);
    line-height: 1;
}

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

.calc-breakdown {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--space-3);
    padding-top: var(--space-4);
    border-top: 1px solid var(--border-subtle);
}

.calc-breakdown-item {
    text-align: center;
}

.calc-breakdown-label {
    font-size: 10px;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--text-muted);
    margin-bottom: var(--space-1);
}

.calc-breakdown-value {
    font-size: var(--text-sm);
    font-weight: 600;
    color: var(--text-primary);
}

.calc-cta {
    margin-top: var(--space-4);
}

.calc-cta .btn {
    width: 100%;
    justify-content: center;
}

.calc-disclaimer {
    margin-top: var(--space-3);
    font-size: 10px;
    color: var(--text-muted);
    text-align: center;
}

/* Dark-beat calculator card restyle */
.calculator-section .calculator-card {
    background: #17181B;
    border: 1px solid rgba(255, 255, 255, 0.10);
    box-shadow: 0 1px 3px rgba(0, 0, 0, 0.3), 0 20px 48px rgba(0, 0, 0, 0.4);
}

.calculator-section .calc-tabs {
    border-bottom: 1px solid rgba(255, 255, 255, 0.10);
}

.calculator-section .calc-tab {
    color: var(--text-on-dark-secondary);
}

.calculator-section .calc-tab:hover {
    color: rgba(255, 255, 255, 0.85);
}

.calculator-section .calc-tab.active {
    color: #FFFFFF;
    background: rgba(255, 255, 255, 0.05);
}

.calculator-section .calc-field label {
    color: var(--text-on-dark-secondary);
}

.calculator-section .calc-input-wrapper .prefix {
    color: var(--text-on-dark-secondary);
}

.calculator-section .calc-input {
    background: #1c1d21;
    color: #FFFFFF;
    border: 1px solid rgba(255, 255, 255, 0.14);
}

.calculator-section .calc-select {
    background-color: #1c1d21;
    color: #FFFFFF;
    border: 1px solid rgba(255, 255, 255, 0.14);
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%23A1A1AA' d='M6 8L1 3h10z'/%3E%3C/svg%3E");
}

.calculator-section .calc-helper {
    color: var(--text-on-dark-secondary);
}

.calculator-section .calc-result {
    background: rgba(255, 255, 255, 0.03);
    border: 1px solid rgba(255, 255, 255, 0.10);
}

.calculator-section .calc-result-label {
    color: var(--text-on-dark-secondary);
}

.calculator-section .calc-result-amount {
    color: var(--accent-light);
}

.calculator-section .calc-result-period {
    color: var(--text-on-dark-secondary);
}

.calculator-section .calc-breakdown {
    border-top: 1px solid rgba(255, 255, 255, 0.10);
}

.calculator-section .calc-breakdown-label {
    color: var(--text-on-dark-secondary);
}

.calculator-section .calc-breakdown-value {
    color: #FFFFFF;
}

.calculator-section .calc-disclaimer {
    color: var(--text-on-dark-secondary);
}

/* ============================================
   FAQ
============================================ */
.faq-section {
    padding: var(--space-24) 0;
    background: var(--bg-primary);
}

.faq-list {
    max-width: 800px;
    margin: 0 auto;
}

.faq-item {
    background: var(--bg-card);
    border-radius: var(--radius-lg);
    margin-bottom: var(--space-4);
    border: 1px solid var(--border-subtle);
    overflow: hidden;
    transition: all var(--duration-base);
}

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

.faq-question {
    width: 100%;
    padding: var(--space-5) var(--space-6);
    background: none;
    border: none;
    text-align: left;
    font-size: var(--text-base);
    font-weight: 600;
    color: var(--text-primary);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: var(--space-4);
    font-family: inherit;
}

.faq-question::after {
    content: '+';
    font-size: var(--text-xl);
    color: var(--accent);
    font-weight: 400;
    transition: transform var(--duration-fast);
}

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

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

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

.faq-answer p {
    padding: 0 var(--space-6) var(--space-5);
    color: var(--text-secondary);
    line-height: 1.7;
}

/* ============================================
   CONTACT
============================================ */
.contact-section {
    padding: var(--space-24) 0;
    background: #F3F7F4;
    position: relative;
    overflow: hidden;
}

.contact-section::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(60% 80% at 50% 0%, rgba(16, 185, 129, 0.10), transparent 70%);
    pointer-events: none;
}

.contact-section > .container {
    position: relative;
    z-index: 1;
}

.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1.3fr;
    gap: var(--space-16);
    align-items: start;
}

.contact-info h2 {
    font-size: var(--text-3xl);
    margin-bottom: var(--space-3);
}

.contact-info > p {
    color: var(--text-secondary);
    margin-bottom: var(--space-10);
}

.contact-methods {
    display: flex;
    flex-direction: column;
    gap: var(--space-4);
}

.contact-method {
    display: flex;
    align-items: center;
    gap: var(--space-4);
    padding: var(--space-5);
    background: var(--bg-card);
    border-radius: var(--radius-lg);
    border: 1px solid var(--border-subtle);
    transition: all var(--duration-base);
}

.contact-method:hover {
    border-color: var(--border-accent);
}

.contact-method .icon {
    width: 52px;
    height: 52px;
    background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%);
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: var(--text-xl);
    flex-shrink: 0;
}

.contact-method a {
    color: var(--text-primary);
    font-weight: 600;
    transition: color var(--duration-fast);
}

.contact-method a:hover {
    color: var(--accent);
}

.contact-method span {
    color: var(--text-muted);
    font-size: var(--text-xs);
    display: block;
    margin-top: 2px;
}

.contact-form {
    background: var(--bg-card);
    padding: var(--space-10);
    border-radius: var(--radius-2xl);
    border: 1px solid var(--border-subtle);
    box-shadow: 0 1px 3px rgba(0, 0, 0, 0.04), 0 8px 24px rgba(0, 0, 0, 0.04);
}

.contact-form h3 {
    font-size: var(--text-xl);
    margin-bottom: var(--space-2);
}

.contact-form > p {
    color: var(--text-muted);
    margin-bottom: var(--space-8);
    font-size: var(--text-sm);
}

.form-group {
    margin-bottom: var(--space-5);
}

.form-group label {
    display: block;
    font-weight: 500;
    color: var(--text-secondary);
    margin-bottom: var(--space-2);
    font-size: var(--text-sm);
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: var(--space-4);
    background: var(--bg-elevated);
    border: 1px solid var(--border-subtle);
    border-radius: var(--radius-md);
    font-size: var(--text-base);
    font-family: inherit;
    color: var(--text-primary);
    transition: all var(--duration-fast);
}

.form-group input::placeholder,
.form-group textarea::placeholder {
    color: var(--text-muted);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--accent);
    box-shadow: 0 0 0 3px var(--accent-subtle);
}

.form-group textarea {
    resize: vertical;
    min-height: 100px;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--space-5);
}

.contact-form .btn {
    width: 100%;
}

/* ============================================
   FOOTER
============================================ */
footer {
    background: var(--bg-dark);
    padding: var(--space-16) 0 var(--space-8);
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    position: relative;
    overflow: hidden;
}

footer::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 300px;
    background: radial-gradient(60% 80% at 50% 0%, rgba(16, 185, 129, 0.10), transparent 70%);
    pointer-events: none;
}

footer > .container {
    position: relative;
    z-index: 1;
}

.footer-content {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: var(--space-12);
    margin-bottom: var(--space-12);
}

.footer-brand p {
    font-size: var(--text-sm);
    color: var(--text-on-dark-secondary);
    line-height: 1.7;
    margin-top: var(--space-4);
}

.footer-links h4 {
    color: var(--accent);
    margin-bottom: var(--space-5);
    font-size: var(--text-sm);
    font-weight: 600;
    letter-spacing: 0.02em;
}

.footer-links ul {
    list-style: none;
}

.footer-links li {
    margin-bottom: var(--space-3);
}

.footer-links a {
    color: var(--text-on-dark-secondary);
    font-size: var(--text-sm);
    transition: color var(--duration-fast);
}

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

.legal-disclosures {
    border-top: 1px solid rgba(255, 255, 255, 0.12);
    padding-top: var(--space-8);
    margin-top: var(--space-8);
    font-size: var(--text-xs);
    color: rgba(255, 255, 255, 0.55);
    line-height: 1.8;
}

.legal-disclosures p {
    margin-bottom: var(--space-3);
}

.legal-disclosures strong {
    color: rgba(255, 255, 255, 0.8);
}

.legal-disclosures a {
    color: var(--text-on-dark-secondary);
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.12);
    padding-top: var(--space-8);
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: var(--space-5);
}

.footer-bottom p {
    color: rgba(255, 255, 255, 0.55);
    font-size: var(--text-xs);
}

.equal-housing {
    display: flex;
    align-items: center;
    gap: var(--space-3);
    color: rgba(255, 255, 255, 0.55);
    font-size: var(--text-xs);
}


/* ============================================
   RESPONSIVE (below-fold sections — extracted from index.html)
============================================ */
@media (max-width: 1024px) {
    .stats-grid { grid-template-columns: repeat(2, 1fr); }
    .programs-grid { grid-template-columns: repeat(2, 1fr); }
    .testimonials-grid { grid-template-columns: repeat(2, 1fr); }
    .who-grid { grid-template-columns: repeat(3, 1fr); }
    .about-features { grid-template-columns: 1fr; }
    .calculator-wrapper { grid-template-columns: 1fr; }
    .contact-grid { grid-template-columns: 1fr; }
    .footer-content { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
    .about-bio-grid { grid-template-columns: 1fr; text-align: center; }
    .about-bio-image img { width: 200px; height: 200px; }
    .about-bio-content .bio-cta { justify-content: center; }
    .stats-grid,
    .programs-grid,
    .testimonials-grid { grid-template-columns: 1fr; }
    .who-grid { grid-template-columns: repeat(2, 1fr); }
    .trust-items { gap: var(--space-6); }
    .form-row { grid-template-columns: 1fr; }
    .footer-content { grid-template-columns: 1fr; }
    .footer-bottom { flex-direction: column; text-align: center; }
    .calc-form-grid { grid-template-columns: 1fr; }
    .calc-breakdown { grid-template-columns: repeat(2, 1fr); }
}

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

/* Mobile sticky CTA */
.mobile-sticky-cta { display: none; }
@media (max-width: 768px) {
    .mobile-sticky-cta {
        display: block;
        position: fixed;
        bottom: 0; left: 0; right: 0;
        padding: var(--space-4);
        background: rgba(250, 249, 246, 0.95);
        backdrop-filter: blur(20px);
        border-top: 1px solid var(--border-subtle);
        z-index: 999;
    }
    .mobile-sticky-cta .btn { width: 100%; justify-content: center; }
    body { padding-bottom: 80px; }
}

/* ============================================
   CHAT WIDGET
============================================ */
.chat-toggle {
    position: fixed;
    bottom: 24px;
    right: 24px;
    width: 56px;
    height: 56px;
    border-radius: 50%;
    background: var(--accent);
    border: none;
    cursor: pointer;
    z-index: 9999;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 4px 16px rgba(16, 185, 129, 0.4);
    transition: transform 0.2s, box-shadow 0.2s;
}

.chat-toggle:hover {
    transform: scale(1.08);
    box-shadow: 0 6px 20px rgba(16, 185, 129, 0.5);
}

.chat-toggle svg {
    width: 26px;
    height: 26px;
    fill: white;
}

.chat-window {
    position: fixed;
    bottom: 92px;
    right: 24px;
    width: 380px;
    height: 500px;
    background: #fff;
    border-radius: 16px;
    box-shadow: 0 8px 32px rgba(0,0,0,0.15);
    z-index: 9998;
    display: none;
    flex-direction: column;
    overflow: hidden;
}

.chat-window.open {
    display: flex;
}

.chat-header {
    background: var(--accent);
    color: white;
    padding: 14px 16px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-shrink: 0;
}

.chat-header-title {
    font-size: 15px;
    font-weight: 600;
    letter-spacing: 0.01em;
}

.chat-close {
    background: none;
    border: none;
    color: white;
    font-size: 22px;
    cursor: pointer;
    padding: 0 4px;
    line-height: 1;
    opacity: 0.8;
    transition: opacity 0.15s;
}

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

.chat-messages {
    flex: 1;
    min-height: 0;
    overflow-y: scroll;
    -webkit-overflow-scrolling: touch;
    padding: 16px;
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.chat-msg {
    max-width: 82%;
    padding: 10px 14px;
    border-radius: 14px;
    font-size: 14px;
    line-height: 1.5;
    word-wrap: break-word;
    flex-shrink: 0;
}

.chat-msg.bot {
    align-self: flex-start;
    background: var(--bg-secondary);
    color: var(--text-primary);
    border-bottom-left-radius: 4px;
}

.chat-msg.bot ol {
    margin: 6px 0;
    padding-left: 20px;
}

.chat-msg.bot li {
    margin-bottom: 4px;
}

.chat-msg.bot p + p {
    margin-top: 8px;
}

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

.chat-typing {
    align-self: flex-start;
    padding: 10px 14px;
    background: var(--bg-secondary);
    border-radius: 14px;
    border-bottom-left-radius: 4px;
    display: none;
}

.chat-typing.visible {
    display: flex;
    gap: 4px;
    align-items: center;
}

.chat-typing span {
    width: 7px;
    height: 7px;
    background: var(--text-dim);
    border-radius: 50%;
    animation: chatBounce 1.2s infinite;
}

.chat-typing span:nth-child(2) { animation-delay: 0.2s; }
.chat-typing span:nth-child(3) { animation-delay: 0.4s; }

@keyframes chatBounce {
    0%, 60%, 100% { transform: translateY(0); }
    30% { transform: translateY(-6px); }
}

.chat-compliance {
    padding: 6px 16px;
    font-size: 10px;
    color: var(--text-dim);
    text-align: center;
    border-top: 1px solid var(--border-subtle);
    flex-shrink: 0;
    line-height: 1.4;
}

.chat-input-row {
    display: flex;
    padding: 10px;
    border-top: 1px solid var(--border-subtle);
    gap: 8px;
    flex-shrink: 0;
}

.chat-input {
    flex: 1;
    border: 1px solid var(--border-subtle);
    border-radius: 8px;
    padding: 10px 12px;
    font-size: 14px;
    font-family: inherit;
    outline: none;
    transition: border-color 0.15s;
    resize: none;
}

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

.chat-send {
    background: var(--accent);
    border: none;
    border-radius: 8px;
    padding: 0 14px;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: background 0.15s;
}

.chat-send:hover {
    background: var(--accent-dark);
}

.chat-send svg {
    width: 18px;
    height: 18px;
    fill: white;
}

@media (max-width: 768px) {
    .chat-window {
        width: calc(100vw - 16px);
        right: 8px;
        bottom: 80px;
        height: 70vh;
        max-height: 500px;
        border-radius: 12px;
    }

    .chat-toggle {
        bottom: 16px;
        right: 16px;
    }
}