/* ============================================
   QuickHELOC.com - Main Stylesheet
   Powered by BrightStar Credit Union
   ============================================ */

/* CSS Variables / Brand Colors */
:root {
    /* Primary Colors */
    --color-primary: #0F2A44;          /* Deep Navy / Midnight Blue */
    --color-primary-light: #1a3d5c;
    --color-primary-dark: #091c2e;

    /* Accent Colors */
    --color-accent: #F2A900;           /* Warm Gold / Amber */
    --color-accent-light: #ffbe33;
    --color-accent-dark: #d99600;

    /* Secondary Accent */
    --color-secondary: #2FA4A9;        /* Muted Teal */
    --color-secondary-light: #3fc4ca;

    /* Neutrals */
    --color-white: #FFFFFF;
    --color-bg-light: #F7F9FC;
    --color-text: #1F2933;
    --color-text-light: #52606D;
    --color-border: #E5E7EB;

    /* Success/Info Colors */
    --color-success: #28a745;
    --color-info: #0d6efd;

    /* Typography */
    --font-primary: 'Inter', 'Source Sans 3', -apple-system, BlinkMacSystemFont, sans-serif;

    /* Spacing */
    --spacing-xs: 0.5rem;
    --spacing-sm: 1rem;
    --spacing-md: 1.5rem;
    --spacing-lg: 2rem;
    --spacing-xl: 3rem;
    --spacing-xxl: 5rem;

    /* Border Radius */
    --radius-sm: 6px;
    --radius-md: 12px;
    --radius-lg: 20px;
    --radius-pill: 30px;

    /* Shadows */
    --shadow-sm: 0 2px 8px rgba(15, 42, 68, 0.08);
    --shadow-md: 0 5px 20px rgba(15, 42, 68, 0.1);
    --shadow-lg: 0 15px 40px rgba(15, 42, 68, 0.15);
    --shadow-glow: 0 5px 15px rgba(242, 169, 0, 0.3);

    /* Transitions */
    --transition-fast: 150ms ease;
    --transition-base: 300ms ease;
}

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

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: var(--font-primary);
    font-size: 1rem;
    line-height: 1.6;
    color: var(--color-text);
    background-color: var(--color-white);
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

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-accent);
}

/* Container */
.container {
    width: 100%;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 var(--spacing-md);
}

/* Typography */
h1, h2, h3, h4, h5, h6 {
    font-weight: 600;
    line-height: 1.3;
    color: var(--color-primary);
}

h1 {
    font-size: clamp(2rem, 5vw, 3rem);
    font-weight: 700;
}

h2 {
    font-size: clamp(1.75rem, 4vw, 2.25rem);
    margin-bottom: var(--spacing-md);
}

h3 {
    font-size: 1.25rem;
    margin-bottom: var(--spacing-sm);
}

p {
    margin-bottom: var(--spacing-sm);
}

/* ============================================
   HEADER & NAVIGATION
   ============================================ */
.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: var(--color-white);
    box-shadow: var(--shadow-sm);
    transition: box-shadow var(--transition-base);
}

.header.scrolled {
    box-shadow: var(--shadow-md);
}

.nav {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 70px;
}

.logo {
    display: flex;
    align-items: center;
}

.logo-text {
    font-size: 1.5rem;
    font-weight: 400;
    color: var(--color-primary);
    letter-spacing: -0.5px;
}

.logo-text strong {
    font-weight: 700;
    color: var(--color-accent);
}

.nav-menu {
    display: flex;
    align-items: center;
    gap: var(--spacing-lg);
    list-style: none;
}

.nav-menu a {
    font-size: 0.95rem;
    font-weight: 500;
    color: var(--color-text);
    padding: var(--spacing-xs) 0;
    position: relative;
}

.nav-menu a:not(.btn)::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--color-accent);
    transition: width var(--transition-base);
}

.nav-menu a:not(.btn):hover::after {
    width: 100%;
}

/* Mobile Navigation Toggle */
.nav-toggle {
    display: none;
    flex-direction: column;
    justify-content: space-around;
    width: 28px;
    height: 24px;
    background: transparent;
    border: none;
    cursor: pointer;
    padding: 0;
}

.nav-toggle span {
    width: 100%;
    height: 3px;
    background: var(--color-primary);
    border-radius: 2px;
    transition: all var(--transition-base);
}

/* ============================================
   BUTTONS
   ============================================ */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    padding: 1rem 2rem;
    font-family: var(--font-primary);
    font-size: 1.05rem;
    font-weight: 700;
    text-align: center;
    border: none;
    border-radius: var(--radius-pill);
    cursor: pointer;
    transition: all var(--transition-base);
    text-decoration: none;
}

.btn i {
    transition: transform var(--transition-base);
}

.btn:hover i {
    transform: translateX(4px);
}

.btn-primary {
    background: var(--color-accent);
    color: var(--color-primary);
    box-shadow: var(--shadow-glow);
}

.btn-primary:hover {
    background: var(--color-accent-light);
    color: var(--color-primary);
    transform: translateY(-3px);
    box-shadow: 0 8px 25px rgba(242, 169, 0, 0.4);
}

.btn-secondary {
    background: var(--color-primary);
    color: var(--color-white);
    box-shadow: var(--shadow-md);
}

.btn-secondary:hover {
    background: var(--color-primary-light);
    color: var(--color-white);
    transform: translateY(-3px);
    box-shadow: var(--shadow-lg);
}

.btn-outline {
    background: transparent;
    color: var(--color-primary);
    border: 3px solid var(--color-primary);
}

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

.btn-outline-white {
    background: transparent;
    color: var(--color-white);
    border: 3px solid var(--color-white);
}

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

.btn-sm {
    padding: 0.6rem 1.25rem;
    font-size: 0.9rem;
}

.btn-lg {
    padding: 1rem 2rem;
    font-size: 1.1rem;
}

/* ============================================
   HERO SECTION
   ============================================ */
.hero {
    position: relative;
    padding: calc(70px + var(--spacing-xxl)) 0 var(--spacing-xxl);
    min-height: 100vh;
    display: flex;
    align-items: center;
    overflow: hidden;
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
}

/* SVG Grid Pattern */
.hero::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url('data:image/svg+xml,<svg width="100" height="100" xmlns="http://www.w3.org/2000/svg"><defs><pattern id="grid" width="100" height="100" patternUnits="userSpaceOnUse"><path d="M 100 0 L 0 0 0 100" fill="none" stroke="rgba(242,169,0,0.05)" stroke-width="1"/></pattern></defs><rect width="100%" height="100%" fill="url(%23grid)"/></svg>');
    opacity: 0.5;
    z-index: 0;
}

.hero-background {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    z-index: 0;
}

.hero-bg-image {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.hero-overlay {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(
        135deg,
        rgba(15, 42, 68, 0.92) 0%,
        rgba(15, 42, 68, 0.85) 50%,
        rgba(15, 42, 68, 0.75) 100%
    );
}

.hero .container {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    gap: var(--spacing-xxl);
    align-items: center;
}

.hero-content {
    color: var(--color-white);
}

.hero-content h1 {
    margin-bottom: var(--spacing-sm);
    color: var(--color-white);
    font-size: clamp(2.25rem, 5vw, 3.5rem);
}

.hero-subtitle {
    font-size: 1.35rem;
    color: var(--color-accent);
    font-weight: 500;
    margin-bottom: var(--spacing-md);
}

.hero-description {
    font-size: 1.1rem;
    color: rgba(255, 255, 255, 0.9);
    margin-bottom: var(--spacing-lg);
    line-height: 1.7;
}

.hero-features {
    list-style: none;
    margin-bottom: var(--spacing-lg);
}

.hero-features li {
    display: flex;
    align-items: center;
    gap: var(--spacing-sm);
    margin-bottom: var(--spacing-xs);
    font-size: 1.05rem;
    color: rgba(255, 255, 255, 0.95);
}

.checkmark {
    color: var(--color-accent);
    font-weight: 700;
}

.hero-cta-group {
    display: flex;
    gap: var(--spacing-md);
    flex-wrap: wrap;
}

.hero-cta-group .btn-secondary {
    background: transparent;
    border: 2px solid var(--color-white);
    color: var(--color-white);
}

.hero-cta-group .btn-secondary:hover {
    background: var(--color-white);
    color: var(--color-primary);
}

.hero-image {
    position: relative;
    display: flex;
    justify-content: center;
    align-items: center;
}

.hero-family-image {
    width: 100%;
    max-width: 500px;
    border-radius: var(--radius-lg);
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.3);
    transition: transform var(--transition-base);
}

.hero-family-image:hover {
    transform: scale(1.02);
}

/* Floating Stats */
.floating-stat {
    position: absolute;
    background: var(--color-white);
    padding: 15px 20px;
    border-radius: 15px;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.2);
    font-weight: 700;
    animation: float 3s ease-in-out infinite;
    display: flex;
    align-items: center;
    gap: 10px;
    z-index: 10;
}

.floating-stat.top-right {
    top: 20px;
    right: -10px;
    color: var(--color-primary);
}

.floating-stat.bottom-left {
    bottom: 30px;
    left: -10px;
    background: var(--color-accent);
    color: var(--color-primary);
    animation-delay: 0.5s;
}

.floating-stat .stat-icon {
    font-size: 1.5rem;
}

.floating-stat .stat-label {
    font-size: 0.95rem;
    font-weight: 700;
}

.hero-badges {
    display: flex;
    gap: var(--spacing-md);
    margin-bottom: var(--spacing-md);
    flex-wrap: wrap;
}

.hero .rate-badge,
.hero .equity-badge {
    display: inline-block;
    padding: var(--spacing-sm) var(--spacing-md);
    border-radius: var(--radius-md);
    text-align: center;
    box-shadow: var(--shadow-lg);
}

.hero .rate-badge {
    background: var(--color-secondary);
    color: var(--color-white);
}

.hero .equity-badge {
    background: var(--color-accent);
    color: var(--color-primary);
}

.hero .badge-label {
    display: inline;
    font-size: 0.85rem;
    font-weight: 600;
    opacity: 1;
}

.hero .badge-value {
    display: inline;
    font-size: 1.5rem;
    font-weight: 700;
    line-height: 1.2;
    margin: 0 0.25rem;
}

.hero .rate-badge .badge-value {
    color: var(--color-white);
}

.hero .equity-badge .badge-value {
    color: var(--color-primary);
}

/* Rate loaded animation */
.rate-loaded {
    animation: rateFlash 0.5s ease;
}

@keyframes rateFlash {
    0%, 100% { opacity: 1; }
    50% { opacity: 0.7; }
}

/* Pulsing badge animation */
.hero-badge-promo {
    display: inline-block;
    background: var(--color-success);
    color: var(--color-white);
    padding: 8px 20px;
    border-radius: var(--radius-pill);
    font-size: 0.8rem;
    font-weight: 700;
    letter-spacing: 1px;
    text-transform: uppercase;
    margin-bottom: var(--spacing-md);
    animation: pulse 2s ease-in-out infinite;
}

@keyframes pulse {
    0%, 100% {
        opacity: 1;
        transform: scale(1);
    }
    50% {
        opacity: 0.85;
        transform: scale(1.03);
    }
}

@keyframes float {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-15px); }
}

/* ============================================
   SECTIONS
   ============================================ */
.section {
    padding: var(--spacing-xxl) 0;
}

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

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

.section-dark h2,
.section-dark h3 {
    color: var(--color-white);
}

.section-dark p {
    color: rgba(255, 255, 255, 0.9);
}

.section-intro {
    font-size: 1.15rem;
    color: var(--color-text-light);
    max-width: 700px;
    margin-bottom: var(--spacing-xl);
}

.section-dark .section-intro {
    color: rgba(255, 255, 255, 0.85);
}

.section-note {
    margin-top: var(--spacing-lg);
    font-style: italic;
    color: var(--color-text-light);
}

.content-block {
    max-width: 800px;
}

.content-block p {
    font-size: 1.1rem;
    line-height: 1.8;
}

/* ============================================
   USE CASES GRID
   ============================================ */
.use-cases-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: var(--spacing-lg);
}

.use-case {
    padding: var(--spacing-lg);
    background: var(--color-white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
    transition: all var(--transition-base);
    border: 2px solid transparent;
    /* For animation on scroll */
    opacity: 0;
    transform: translateY(20px);
}

.use-case.animated {
    opacity: 1;
    transform: translateY(0);
    transition: opacity 0.6s ease, transform 0.6s ease, box-shadow var(--transition-base), border-color var(--transition-base);
}

.use-case:hover {
    transform: translateY(-10px);
    box-shadow: var(--shadow-lg);
    border-color: var(--color-accent);
}

.use-case-icon {
    width: 60px;
    height: 60px;
    margin-bottom: var(--spacing-md);
    background: linear-gradient(135deg, var(--color-accent), var(--color-accent-light));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    color: var(--color-primary);
    box-shadow: var(--shadow-glow);
}

.use-case h3 {
    font-size: 1.25rem;
    margin-bottom: var(--spacing-xs);
    font-weight: 700;
}

.use-case p {
    font-size: 0.95rem;
    color: var(--color-text-light);
    margin-bottom: 0;
}

/* Use cases with images */
.use-case-with-image {
    padding: 0;
    overflow: hidden;
    display: flex;
    flex-direction: column;
    border: 2px solid transparent;
    /* For animation on scroll */
    opacity: 0;
    transform: translateY(20px);
}

.use-case-with-image.animated {
    opacity: 1;
    transform: translateY(0);
    transition: opacity 0.6s ease, transform 0.6s ease, box-shadow var(--transition-base), border-color var(--transition-base);
}

.use-case-with-image:hover {
    border-color: var(--color-accent);
}

.use-case-image {
    position: relative;
    width: 100%;
    height: 180px;
    overflow: hidden;
}

.use-case-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform var(--transition-base);
}

.use-case-with-image:hover .use-case-image img {
    transform: scale(1.1);
}

/* Use case badge */
.use-case-badge {
    position: absolute;
    top: 15px;
    right: 15px;
    background: var(--color-primary);
    color: var(--color-white);
    padding: 6px 14px;
    border-radius: var(--radius-pill);
    font-size: 0.7rem;
    font-weight: 700;
    letter-spacing: 1px;
    text-transform: uppercase;
}

.use-case-badge.popular {
    background: var(--color-accent);
    color: var(--color-primary);
}

.use-case-badge.smart {
    background: var(--color-secondary);
    color: var(--color-white);
}

.use-case-badge.invest {
    background: #8B5CF6;
    color: var(--color-white);
}

.use-case-badge.flexible {
    background: #10B981;
    color: var(--color-white);
}

.use-case-badge.safety {
    background: var(--color-primary);
    color: var(--color-white);
}

/* Featured use case card */
.use-case.featured {
    border-color: var(--color-accent);
}

.use-case.featured .use-case-badge {
    background: #ff4757;
    color: var(--color-white);
}

.use-case-content {
    padding: var(--spacing-md) var(--spacing-lg) var(--spacing-lg);
}

.use-case-content h3 {
    font-size: 1.2rem;
    font-weight: 700;
    margin-bottom: var(--spacing-xs);
}

/* ============================================
   PHASES GRID (How It Works)
   ============================================ */
.phases-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: var(--spacing-lg);
    margin-bottom: var(--spacing-lg);
}

.phase-card {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    padding: var(--spacing-lg);
    box-shadow: var(--shadow-md);
    border-top: 4px solid var(--color-accent);
}

.phase-header {
    margin-bottom: var(--spacing-md);
    padding-bottom: var(--spacing-md);
    border-bottom: 1px solid var(--color-border);
}

.phase-number {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 36px;
    height: 36px;
    background: var(--color-accent);
    color: var(--color-primary);
    font-weight: 700;
    border-radius: 50%;
    margin-bottom: var(--spacing-sm);
}

.phase-header h3 {
    margin-bottom: var(--spacing-xs);
}

.phase-duration {
    display: inline-block;
    padding: 0.25rem 0.75rem;
    background: var(--color-bg-light);
    color: var(--color-text-light);
    font-size: 0.85rem;
    font-weight: 500;
    border-radius: var(--radius-sm);
}

.phase-features {
    list-style: none;
}

.phase-features li {
    position: relative;
    padding-left: var(--spacing-md);
    margin-bottom: var(--spacing-sm);
    color: var(--color-text-light);
}

.phase-features li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--color-secondary);
    font-weight: 700;
}

.info-box {
    margin-top: var(--spacing-xl);
    padding: var(--spacing-lg);
    background: var(--color-white);
    border-left: 4px solid var(--color-secondary);
    border-radius: var(--radius-md);
}

.info-box h3 {
    color: var(--color-secondary);
}

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

/* ============================================
   COMPARISON TABLE
   ============================================ */
.comparison-table {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: var(--spacing-lg);
    margin-bottom: var(--spacing-xl);
}

.comparison-column {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-md);
}

.comparison-header {
    padding: var(--spacing-lg);
    text-align: center;
}

.comparison-header.heloc {
    background: var(--color-primary);
}

.comparison-header.heloc h3 {
    color: var(--color-white);
    margin-bottom: 0;
}

.comparison-header.loan {
    background: var(--color-bg-light);
}

.comparison-header.loan h3 {
    margin-bottom: 0;
}

.comparison-features {
    list-style: none;
    padding: var(--spacing-lg);
}

.comparison-features li {
    padding: var(--spacing-sm) 0;
    border-bottom: 1px solid var(--color-border);
}

.comparison-features li:last-child {
    border-bottom: none;
}

.comparison-features strong {
    color: var(--color-primary);
}

.cta-block {
    text-align: center;
    padding: var(--spacing-lg);
    background: var(--color-bg-light);
    border-radius: var(--radius-lg);
}

.cta-block p {
    font-size: 1.1rem;
    margin-bottom: var(--spacing-sm);
}

/* ============================================
   BENEFITS GRID (Why BrightStar)
   ============================================ */
.section-with-image {
    position: relative;
    overflow: hidden;
}

.section-background {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    z-index: 0;
}

.section-bg-image {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.section-overlay {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(
        135deg,
        rgba(15, 42, 68, 0.95) 0%,
        rgba(15, 42, 68, 0.9) 100%
    );
}

.section-with-image .container {
    position: relative;
    z-index: 1;
}

.section-content-wrapper {
    display: grid;
    grid-template-columns: 1fr 350px;
    gap: var(--spacing-xxl);
    align-items: center;
}

.section-feature-image {
    display: flex;
    justify-content: center;
    align-items: center;
}

.advisor-image {
    width: 100%;
    max-width: 320px;
    border-radius: var(--radius-lg);
    box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.3);
    border: 4px solid rgba(255, 255, 255, 0.2);
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: var(--spacing-lg);
}

.benefit {
    text-align: left;
    padding: var(--spacing-md);
    background: rgba(255, 255, 255, 0.05);
    border-radius: var(--radius-md);
    border-left: 3px solid var(--color-accent);
    transition: all var(--transition-base);
}

.benefit:hover {
    background: rgba(255, 255, 255, 0.1);
    transform: translateX(5px);
}

.benefit-icon {
    width: 48px;
    height: 48px;
    margin-bottom: var(--spacing-sm);
    color: var(--color-accent);
}

.section-dark .benefit h3 {
    color: var(--color-accent);
    font-size: 1.1rem;
}

.section-dark .benefit p {
    font-size: 0.95rem;
    margin-bottom: 0;
}

/* ============================================
   RATE COMPARISON WIDGET
   ============================================ */
.section-rates-compare {
    background: linear-gradient(135deg, var(--color-bg-light) 0%, var(--color-white) 100%);
    padding: var(--spacing-xxl) 0;
}

.section-rates-compare h2 {
    text-align: center;
}

.section-rates-compare .section-intro {
    text-align: center;
    max-width: 700px;
    margin-left: auto;
    margin-right: auto;
}

.rate-widget-container {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
    margin-top: var(--spacing-lg);
    position: relative;
    min-height: 400px;
}

.rate-widget-container .dt_api {
    padding: var(--spacing-lg);
}

.rate-widget-container .main_title {
    font-size: 1.25rem;
    color: var(--color-primary);
    margin: 0;
}

.rate-widget-container .total-savings-text {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--color-primary);
    margin: 0;
}

/* Override widget's fixed positioning for total savings */
.rate-widget-container .sec_total_savings {
    position: relative;
    bottom: auto;
    left: auto;
    border-radius: 0 0 var(--radius-lg) var(--radius-lg);
}

/* ============================================
   RATES SECTION
   ============================================ */
.rates-content {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: var(--spacing-lg);
}

.rates-card {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    padding: var(--spacing-lg);
    box-shadow: var(--shadow-md);
}

.rates-card.highlight {
    background: var(--color-primary);
    color: var(--color-white);
}

.rates-card.highlight h3 {
    color: var(--color-white);
}

.rates-list {
    list-style: none;
    margin: var(--spacing-md) 0;
}

.rates-list li {
    display: flex;
    flex-direction: column;
    padding: var(--spacing-sm) 0;
    border-bottom: 1px solid var(--color-border);
}

.rates-list li:last-child {
    border-bottom: none;
}

.rate-label {
    font-weight: 600;
    color: var(--color-primary);
    margin-bottom: 0.25rem;
}

.rate-value {
    color: var(--color-text-light);
}

.rates-note {
    font-weight: 600;
    color: var(--color-secondary);
    margin-bottom: 0;
}

.borrow-amount {
    text-align: center;
    padding: var(--spacing-lg) 0;
}

.amount-label {
    display: block;
    font-size: 1rem;
    opacity: 0.9;
}

.amount-value {
    display: block;
    font-size: 4rem;
    font-weight: 700;
    color: var(--color-accent);
    line-height: 1.1;
}

/* ============================================
   FAQ SECTION
   ============================================ */
.faq-list {
    max-width: 800px;
    margin: 0 auto;
}

.faq-item {
    margin-bottom: var(--spacing-sm);
    background: var(--color-white);
    border-radius: var(--radius-md);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
}

.faq-question {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: var(--spacing-md) var(--spacing-lg);
    background: transparent;
    border: none;
    cursor: pointer;
    text-align: left;
    font-family: var(--font-primary);
    font-size: 1.05rem;
    font-weight: 600;
    color: var(--color-primary);
    transition: background var(--transition-fast);
}

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

.faq-icon {
    position: relative;
    width: 20px;
    height: 20px;
    flex-shrink: 0;
    margin-left: var(--spacing-md);
}

.faq-icon::before,
.faq-icon::after {
    content: '';
    position: absolute;
    background: var(--color-primary);
    transition: transform var(--transition-base);
}

.faq-icon::before {
    top: 50%;
    left: 0;
    width: 100%;
    height: 2px;
    transform: translateY(-50%);
}

.faq-icon::after {
    top: 0;
    left: 50%;
    width: 2px;
    height: 100%;
    transform: translateX(-50%);
}

.faq-question[aria-expanded="true"] .faq-icon::after {
    transform: translateX(-50%) rotate(90deg);
}

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

.faq-answer p {
    padding: 0 var(--spacing-lg) var(--spacing-lg);
    color: var(--color-text-light);
    margin-bottom: 0;
}

.faq-item.active .faq-answer {
    max-height: 200px;
}

/* ============================================
   APPLY SECTION
   ============================================ */
.section-apply {
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
    color: var(--color-white);
    text-align: center;
}

.section-apply h2 {
    color: var(--color-white);
}

/* Gold CTA Section Variant */
.section-cta-gold {
    background: linear-gradient(135deg, var(--color-accent) 0%, var(--color-accent-light) 100%);
    color: var(--color-primary);
    text-align: center;
    padding: var(--spacing-xxl) 0;
}

.section-cta-gold h2 {
    color: var(--color-primary);
    font-weight: 800;
}

.section-cta-gold p {
    color: var(--color-primary);
    opacity: 0.9;
}

.btn-dark {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    padding: 1rem 2rem;
    background: var(--color-primary);
    color: var(--color-white);
    font-family: var(--font-primary);
    font-size: 1.05rem;
    font-weight: 700;
    border: none;
    border-radius: var(--radius-pill);
    cursor: pointer;
    transition: all var(--transition-base);
    text-decoration: none;
    box-shadow: 0 5px 15px rgba(15, 42, 68, 0.3);
}

.btn-dark:hover {
    background: var(--color-primary-light);
    color: var(--color-white);
    transform: translateY(-3px);
    box-shadow: 0 8px 25px rgba(15, 42, 68, 0.4);
}

.btn-outline-dark {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    padding: 0.85rem 2rem;
    background: transparent;
    color: var(--color-primary);
    font-family: var(--font-primary);
    font-size: 1.05rem;
    font-weight: 700;
    border: 3px solid var(--color-primary);
    border-radius: var(--radius-pill);
    cursor: pointer;
    transition: all var(--transition-base);
    text-decoration: none;
}

.btn-outline-dark:hover {
    background: var(--color-primary);
    color: var(--color-white);
}

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

.apply-intro {
    font-size: 1.15rem;
    opacity: 0.9;
    margin-bottom: var(--spacing-lg);
}

.apply-requirements {
    background: rgba(255, 255, 255, 0.1);
    border-radius: var(--radius-lg);
    padding: var(--spacing-lg);
    margin-bottom: var(--spacing-lg);
    text-align: left;
}

.apply-requirements h3 {
    color: var(--color-accent);
    font-size: 1rem;
    margin-bottom: var(--spacing-sm);
}

.apply-requirements ul {
    list-style: none;
}

.apply-requirements li {
    position: relative;
    padding-left: var(--spacing-md);
    margin-bottom: var(--spacing-xs);
}

.apply-requirements li::before {
    content: '→';
    position: absolute;
    left: 0;
    color: var(--color-accent);
}

/* ============================================
   FOOTER
   ============================================ */
.footer {
    background: var(--color-primary-dark);
    color: var(--color-white);
    padding: var(--spacing-xl) 0 var(--spacing-lg);
}

.footer-content {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    flex-wrap: wrap;
    gap: var(--spacing-lg);
    padding-bottom: var(--spacing-lg);
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
    margin-bottom: var(--spacing-lg);
}

.footer-logo {
    font-size: 1.25rem;
    font-weight: 400;
    margin-bottom: var(--spacing-sm);
}

.footer-logo strong {
    color: var(--color-accent);
}

.powered-by {
    font-size: 0.9rem;
    margin-bottom: var(--spacing-xs);
}

.footer-brand p {
    opacity: 0.8;
    font-size: 0.9rem;
    margin-bottom: var(--spacing-xs);
}

.footer-links {
    display: flex;
    flex-wrap: wrap;
    gap: var(--spacing-sm) var(--spacing-lg);
}

.footer-links a {
    color: rgba(255, 255, 255, 0.8);
    font-size: 0.9rem;
}

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

.footer-legal {
    text-align: center;
    margin-bottom: var(--spacing-md);
}

.footer-legal p {
    font-size: 0.85rem;
    opacity: 0.7;
    margin-bottom: var(--spacing-xs);
}

.footer-badges {
    display: flex;
    justify-content: center;
    gap: var(--spacing-md);
}

.footer-badges span {
    display: inline-flex;
    align-items: center;
    padding: 0.5rem 1rem;
    background: rgba(255, 255, 255, 0.1);
    border-radius: var(--radius-sm);
    font-size: 0.8rem;
    font-weight: 500;
}

/* ============================================
   RESPONSIVE DESIGN
   ============================================ */

/* Tablet */
@media (max-width: 992px) {
    .hero .container {
        grid-template-columns: 1fr;
        text-align: center;
    }

    .hero-badges {
        justify-content: center;
    }

    .hero-features {
        display: inline-block;
        text-align: left;
    }

    .hero-image {
        order: -1;
        margin-bottom: var(--spacing-lg);
    }

    .hero-family-image {
        max-width: 350px;
        transform: rotate(0deg);
    }

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

    .page-hero-rates {
        display: flex;
        flex-direction: column;
        gap: var(--spacing-xs);
    }

    .page-hero-rates .rate-divider {
        display: none;
    }

    .section-content-wrapper {
        grid-template-columns: 1fr;
        text-align: center;
    }

    .section-text-content {
        order: 1;
    }

    .section-feature-image {
        order: 2;
        margin-top: var(--spacing-lg);
    }

    .advisor-image {
        max-width: 280px;
    }

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

    .benefit {
        text-align: center;
        border-left: none;
        border-top: 3px solid var(--color-accent);
    }

    .benefit:hover {
        transform: translateY(-5px);
    }
}

/* Mobile */
@media (max-width: 768px) {
    :root {
        --spacing-xxl: 3rem;
    }

    .nav-toggle {
        display: flex;
    }

    .nav-menu {
        position: fixed;
        top: 70px;
        left: 0;
        right: 0;
        background: var(--color-white);
        flex-direction: column;
        padding: var(--spacing-lg);
        gap: var(--spacing-md);
        box-shadow: var(--shadow-lg);
        transform: translateY(-100%);
        opacity: 0;
        visibility: hidden;
        transition: all var(--transition-base);
    }

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

    .nav-menu a {
        font-size: 1.1rem;
    }

    .hero {
        min-height: auto;
        padding-top: calc(70px + var(--spacing-xl));
        padding-bottom: var(--spacing-xl);
    }

    .hero-family-image {
        max-width: 300px;
    }

    .hero-cta-group {
        flex-direction: column;
    }

    .hero-cta-group .btn {
        width: 100%;
    }

    .use-cases-grid {
        grid-template-columns: 1fr;
    }

    .use-case-image {
        height: 140px;
    }

    .section-feature-image {
        display: none;
    }

    .phases-grid,
    .comparison-table,
    .rates-content {
        grid-template-columns: 1fr;
    }

    .footer-content {
        flex-direction: column;
        text-align: center;
    }

    .footer-links {
        justify-content: center;
    }
}

/* Small Mobile */
@media (max-width: 480px) {
    .container {
        padding: 0 var(--spacing-sm);
    }

    .hero-family-image {
        max-width: 250px;
    }

    .use-cases-grid {
        grid-template-columns: 1fr;
    }

    .use-case-image {
        height: 120px;
    }

    .btn-lg {
        width: 100%;
    }

    .amount-value {
        font-size: 3rem;
    }
}

/* ============================================
   UTILITIES
   ============================================ */
.text-center { text-align: center; }
.text-accent { color: var(--color-accent); }
.mb-0 { margin-bottom: 0; }
.mt-lg { margin-top: var(--spacing-lg); }

/* Accessibility */
.sr-only {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
}

/* Focus States */
a:focus,
button:focus {
    outline: 2px solid var(--color-accent);
    outline-offset: 2px;
}

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

    html {
        scroll-behavior: auto;
    }
}

/* ============================================
   PAGE HERO (Internal Pages)
   ============================================ */
.page-hero {
    padding: calc(70px + var(--spacing-xl)) 0 var(--spacing-xl);
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
    color: var(--color-white);
    text-align: center;
}

.page-hero h1 {
    color: var(--color-white);
    margin-bottom: var(--spacing-sm);
}

.page-hero-subtitle {
    font-size: 1.2rem;
    opacity: 0.9;
    margin-bottom: 0;
}

.page-hero-rate,
.page-hero-rates {
    display: inline-block;
    margin-top: var(--spacing-md);
    padding: var(--spacing-sm) var(--spacing-lg);
    background: rgba(255, 255, 255, 0.15);
    border-radius: var(--radius-md);
    font-size: 1.1rem;
}

.page-hero-rate strong,
.page-hero-rates strong {
    color: var(--color-accent);
    font-size: 1.3rem;
}

.page-hero-rates .rate-divider {
    margin: 0 var(--spacing-sm);
    opacity: 0.5;
}

.page-hero-rates .rate-item {
    white-space: nowrap;
}

/* ============================================
   ARTICLE CONTENT
   ============================================ */
.article-content {
    max-width: 800px;
    margin: 0 auto;
}

.article-content .lead {
    font-size: 1.2rem;
    color: var(--color-text);
    line-height: 1.8;
}

.article-content h2 {
    margin-top: var(--spacing-xl);
}

.article-content h3 {
    margin-top: var(--spacing-lg);
    color: var(--color-secondary);
}

.article-content ol,
.article-content ul {
    margin-bottom: var(--spacing-md);
    padding-left: var(--spacing-lg);
}

.article-content li {
    margin-bottom: var(--spacing-sm);
    line-height: 1.7;
}

.pros-list li::marker {
    color: var(--color-secondary);
}

.cons-list li::marker {
    color: var(--color-accent);
}

/* ============================================
   COMPARISON TABLE (Detailed)
   ============================================ */
.comparison-table-detailed {
    overflow-x: auto;
    margin-top: var(--spacing-lg);
}

.comparison-table-detailed table {
    width: 100%;
    border-collapse: collapse;
    background: var(--color-white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-md);
}

.comparison-table-detailed th,
.comparison-table-detailed td {
    padding: var(--spacing-md);
    text-align: left;
    border-bottom: 1px solid var(--color-border);
}

.comparison-table-detailed thead th {
    background: var(--color-primary);
    color: var(--color-white);
    font-weight: 600;
}

.comparison-table-detailed thead th:first-child {
    background: var(--color-primary-dark);
}

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

.comparison-table-detailed tbody tr:hover {
    background: var(--color-bg-light);
}

.comparison-table-detailed td:first-child {
    font-weight: 500;
    color: var(--color-primary);
}

/* ============================================
   CHOICE GRID (When to Choose)
   ============================================ */
.choice-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: var(--spacing-lg);
    margin-top: var(--spacing-lg);
}

.choice-card {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    padding: var(--spacing-lg);
    box-shadow: var(--shadow-md);
}

.choice-card.heloc {
    border-top: 4px solid var(--color-secondary);
}

.choice-card.loan {
    border-top: 4px solid var(--color-accent);
}

.choice-card h3 {
    margin-bottom: var(--spacing-md);
}

.choice-card ul {
    list-style: none;
    padding: 0;
    margin-bottom: var(--spacing-lg);
}

.choice-card li {
    position: relative;
    padding-left: var(--spacing-md);
    margin-bottom: var(--spacing-sm);
    color: var(--color-text-light);
}

.choice-card li::before {
    content: '→';
    position: absolute;
    left: 0;
    color: var(--color-secondary);
}

.choice-card.loan li::before {
    color: var(--color-accent);
}

/* ============================================
   EXAMPLE SCENARIOS
   ============================================ */
.example-scenario {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    padding: var(--spacing-lg);
    margin-bottom: var(--spacing-lg);
    box-shadow: var(--shadow-sm);
    border-left: 4px solid var(--color-secondary);
}

.example-scenario h3 {
    color: var(--color-primary);
    margin-bottom: var(--spacing-md);
}

.scenario-content p {
    margin-bottom: var(--spacing-sm);
}

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

/* ============================================
   CALCULATOR PAGE
   ============================================ */
.calculator-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--spacing-xl);
    align-items: start;
}

.calculator-form {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    padding: var(--spacing-xl);
    box-shadow: var(--shadow-md);
}

.calculator-form h2 {
    margin-bottom: var(--spacing-xs);
}

.calculator-form > p {
    color: var(--color-text-light);
    margin-bottom: var(--spacing-lg);
}

.calc-form .form-group {
    margin-bottom: var(--spacing-md);
}

.calc-form label {
    display: block;
    font-weight: 600;
    color: var(--color-primary);
    margin-bottom: var(--spacing-xs);
}

.input-with-prefix,
.input-with-suffix {
    display: flex;
    align-items: center;
    border: 2px solid var(--color-border);
    border-radius: var(--radius-md);
    transition: border-color var(--transition-fast);
}

.input-with-prefix:focus-within,
.input-with-suffix:focus-within {
    border-color: var(--color-secondary);
}

.input-with-prefix .prefix,
.input-with-suffix .suffix {
    padding: 0.75rem 1rem;
    background: var(--color-bg-light);
    color: var(--color-text-light);
    font-weight: 600;
}

.input-with-prefix .prefix {
    border-right: 2px solid var(--color-border);
    border-radius: var(--radius-md) 0 0 var(--radius-md);
}

.input-with-suffix .suffix {
    border-left: 2px solid var(--color-border);
    border-radius: 0 var(--radius-md) var(--radius-md) 0;
}

.input-with-prefix input,
.input-with-suffix input {
    flex: 1;
    padding: 0.75rem 1rem;
    border: none;
    font-size: 1rem;
    font-family: var(--font-primary);
}

.input-with-prefix input:focus,
.input-with-suffix input:focus {
    outline: none;
}

.form-hint {
    display: block;
    margin-top: var(--spacing-xs);
    font-size: 0.85rem;
    color: var(--color-text-light);
}

.btn-full {
    width: 100%;
}

/* Calculator Results */
.calculator-results {
    background: var(--color-bg-light);
    border-radius: var(--radius-lg);
    padding: var(--spacing-xl);
}

.calculator-results h2 {
    margin-bottom: var(--spacing-lg);
}

.result-card {
    background: var(--color-white);
    border-radius: var(--radius-md);
    padding: var(--spacing-md);
    margin-bottom: var(--spacing-md);
}

.result-card.highlight {
    background: var(--color-primary);
    color: var(--color-white);
}

.result-card.highlight .result-label {
    color: rgba(255, 255, 255, 0.9);
}

.result-card.highlight .result-value {
    color: var(--color-accent);
}

.result-label {
    display: block;
    font-size: 0.9rem;
    color: var(--color-text-light);
    margin-bottom: var(--spacing-xs);
}

.result-value {
    display: block;
    font-size: 1.75rem;
    font-weight: 700;
    color: var(--color-primary);
}

.result-note {
    display: block;
    margin-top: var(--spacing-xs);
    font-size: 0.8rem;
    color: var(--color-text-light);
}

.result-cta {
    text-align: center;
    padding: var(--spacing-lg) 0;
    border-top: 1px solid var(--color-border);
    margin-top: var(--spacing-md);
}

.result-cta p {
    font-weight: 600;
    margin-bottom: var(--spacing-sm);
}

.calc-disclaimer {
    font-size: 0.8rem;
    color: var(--color-text-light);
    margin-top: var(--spacing-md);
    margin-bottom: 0;
}

/* Calculator Info Grid */
.info-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: var(--spacing-lg);
    margin-top: var(--spacing-lg);
}

.info-card {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    padding: var(--spacing-lg);
    box-shadow: var(--shadow-sm);
    text-align: center;
}

.info-number {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 48px;
    height: 48px;
    background: var(--color-secondary);
    color: var(--color-white);
    font-size: 1.5rem;
    font-weight: 700;
    border-radius: 50%;
    margin-bottom: var(--spacing-md);
}

.info-card h3 {
    margin-bottom: var(--spacing-sm);
}

.info-card p {
    color: var(--color-text-light);
    margin-bottom: var(--spacing-sm);
}

.formula {
    display: inline-block;
    padding: var(--spacing-sm) var(--spacing-md);
    background: var(--color-bg-light);
    border-radius: var(--radius-sm);
    font-family: monospace;
    font-size: 0.9rem;
    color: var(--color-primary);
}

/* Example Box */
.example-box {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--spacing-lg);
    background: var(--color-white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-md);
}

.example-input,
.example-output {
    padding: var(--spacing-lg);
}

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

.example-output {
    background: var(--color-primary);
    color: var(--color-white);
}

.example-output h3 {
    color: var(--color-accent);
}

.example-input ul,
.example-output ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.example-input li,
.example-output li {
    margin-bottom: var(--spacing-sm);
}

/* ============================================
   FAQ PAGE
   ============================================ */
.faq-nav {
    text-align: center;
}

.faq-nav h2 {
    margin-bottom: var(--spacing-md);
}

.faq-nav-links {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: var(--spacing-sm);
}

.faq-nav-link {
    display: inline-block;
    padding: var(--spacing-sm) var(--spacing-md);
    background: var(--color-white);
    border: 2px solid var(--color-border);
    border-radius: var(--radius-md);
    font-weight: 500;
    color: var(--color-text);
    transition: all var(--transition-fast);
}

.faq-nav-link:hover {
    border-color: var(--color-secondary);
    color: var(--color-secondary);
}

/* Extended FAQ Accordion */
.faq-item.active .faq-answer {
    max-height: 500px;
}

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

.faq-question[aria-expanded="true"] .faq-icon {
    transform: rotate(180deg);
}

/* CTA Buttons Group */
.cta-buttons {
    display: flex;
    gap: var(--spacing-md);
    justify-content: center;
    flex-wrap: wrap;
}

/* Active nav state */
.nav-menu a.active {
    color: var(--color-secondary);
}

.nav-menu a.active::after {
    width: 100%;
}

/* ============================================
   RESPONSIVE - NEW PAGES
   ============================================ */
@media (max-width: 992px) {
    .calculator-wrapper {
        grid-template-columns: 1fr;
    }

    .example-box {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 768px) {
    .page-hero {
        padding: calc(70px + var(--spacing-lg)) 0 var(--spacing-lg);
    }

    .comparison-table-detailed {
        font-size: 0.9rem;
    }

    .comparison-table-detailed th,
    .comparison-table-detailed td {
        padding: var(--spacing-sm);
    }

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

    .cta-buttons {
        flex-direction: column;
        align-items: center;
    }

    .cta-buttons .btn {
        width: 100%;
        max-width: 300px;
    }
}