@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:ital,wght@0,300;0,400;0,500;0,600;0,700;0,800;1,400&family=Inter:wght@400;500;600;700&family=JetBrains+Mono:wght@400;500;600;700&display=swap');

/* ============================================================
   Nordaux — Main Stylesheet
   Design system: Modern fintech
   ============================================================ */

:root {
  /* Primary — Deep Navy */
  --navy: #0B1D3A;
  --navy-mid: #1A3560;
  --navy-light: #2E5090;
  /* Action — Electric Blue */
  --red: #2563EB;
  --red-dark: #1D4ED8;
  --red-light: #3B82F6;
  /* Aliases */
  --secondary: #2563EB;
  --gold: #F59E0B;
  --foreground: #0B1D3A;
  --bg: #F8FAFC;
  --border: #E2E8F0;
  /* Surfaces */
  --white: #FFFFFF;
  --off-white: #F8FAFC;
  --gray-100: #F1F5F9;
  --gray-200: #E2E8F0;
  --gray-400: #94A3B8;
  --gray-600: #64748B;
  --gray-800: #334155;
  /* Data / Highlights */
  --accent-gold: #F59E0B;
  --green: #10B981;
  --purple: #7C3AED;
  --purple-light: #A78BFA;
  /* Shadows */
  --shadow-sm: 0 1px 3px rgba(11,29,58,0.08), 0 1px 2px rgba(11,29,58,0.05);
  --shadow-md: 0 4px 16px rgba(11,29,58,0.10);
  --shadow-lg: 0 8px 32px rgba(11,29,58,0.12);
  /* Radii */
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 14px;
  --radius-xl: 20px;
  --transition: 0.18s ease;
}

/* ---- Heading Font — Plus Jakarta Sans ---- */
h1, h2, h3,
.hero-headline, .section-title, .page-hero h1,
.article-content h2, .article-content h3,
.apply-text h2, .modal-card h3, .blog-featured h2,
.pull-quote, .step-title, .result-amount {
  font-family: 'Plus Jakarta Sans', 'Inter', system-ui, sans-serif;
  font-weight: 700;
  letter-spacing: -0.02em;
}

/* ---- Data/Rate Font — JetBrains Mono ---- */
.rate-value, .rate-amount, .stat-number,
.calc-result-amount, .hero-rate, .rate-pill-value {
  font-family: 'JetBrains Mono', 'Courier New', monospace;
  font-weight: 600;
  font-variant-numeric: tabular-nums;
}

/* ---- SVG Icon System ---- */
.feature-icon svg, .product-icon svg, .step-icon svg,
.cm-icon svg, .purpose-icon svg, .audience-icon svg {
  width: 2rem; height: 2rem; display: block;
  color: var(--secondary);
}
.feature-icon, .product-icon, .step-icon,
.cm-icon, .purpose-icon, .audience-icon {
  display: flex; align-items: center; justify-content: center;
}
.product-card--featured .product-icon svg,
.contact-method-card--featured .cm-icon svg { color: var(--white); }
.hiw-section .step-icon svg, .step-card .step-icon svg { color: var(--accent-gold); }
.nav-icon-svg { width: 18px; height: 18px; flex-shrink: 0; }
.nav-logo-svg { width: 26px; height: 26px; flex-shrink: 0; color: var(--accent-gold); }
.footer-social-svg { width: 16px; height: 16px; }

/* ---- Touch Targets (44px min per WCAG) ---- */
.btn, .rate-tab, .term-btn, .blog-filter-btn,
.purpose-btn, .credit-btn { min-height: 44px; }

/* ---- Reset & Base ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; overflow-x: hidden; }
body {
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  background: var(--white);
  color: var(--navy);
  line-height: 1.6;
  overflow-x: hidden;
}
a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
input, select, textarea {
  font-family: inherit;
  font-size: 1rem;
  outline: none;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-sm);
  padding: 0.75rem 1rem;
  width: 100%;
  background: var(--white);
  color: var(--navy);
  transition: border-color var(--transition);
}
select {
  appearance: none;
  -webkit-appearance: none;
  padding-right: 2.75rem;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%2364748B' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 0.85rem center;
  background-size: 16px 16px;
  cursor: pointer;
}
input:focus, select:focus { border-color: var(--red); box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.15); }

.container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

/* ---- Buttons ---- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.75rem 1.5rem;
  border-radius: var(--radius-md);
  font-weight: 600;
  font-size: 0.95rem;
  transition: all var(--transition);
  white-space: nowrap;
}
.btn-primary-nav {
  background: var(--red);
  color: var(--white);
  padding: 0.6rem 1.25rem;
  border-radius: var(--radius-md);
  font-size: 0.875rem;
}
.btn-primary-nav:hover { background: var(--red-dark); }
.btn-outline-nav {
  color: var(--navy);
  border: 1.5px solid var(--gray-200);
  padding: 0.6rem 1.25rem;
  border-radius: var(--radius-md);
  font-size: 0.875rem;
}
.btn-outline-nav:hover { border-color: var(--navy); background: var(--gray-100); }
.btn-primary {
  background: var(--secondary);
  color: var(--white);
  border: none;
  cursor: pointer;
  justify-content: center;
}
.btn-primary:hover { background: var(--red-dark); transform: translateY(-1px); }
.btn-hero-primary {
  background: var(--red);
  color: var(--white);
  padding: 1rem 2rem;
  border-radius: var(--radius-md);
  font-size: 1rem;
  font-weight: 700;
  border: 2px solid rgba(255,255,255,0.35);
}
.btn-hero-primary:hover {
  background: var(--red-dark);
  transform: translateY(-1px);
}
.btn-hero-secondary {
  color: var(--white);
  border: 2px solid rgba(255,255,255,0.4);
  padding: 1rem 2rem;
  border-radius: var(--radius-md);
  font-size: 1rem;
  font-weight: 600;
}
.btn-hero-secondary:hover { border-color: var(--white); background: rgba(255,255,255,0.1); }
.btn-product {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.65rem 1.25rem;
  border-radius: var(--radius-md);
  font-size: 0.875rem;
  font-weight: 600;
  border: 1.5px solid var(--gray-200);
  color: var(--navy);
  transition: all var(--transition);
  margin-top: auto;
}
.btn-product:hover { background: var(--red); color: var(--white); border-color: var(--red); }
.btn-primary-mobile {
  background: var(--red) !important;
  color: var(--white) !important;
  padding: 0.85rem 2rem !important;
  border-radius: var(--radius-md);
  display: block;
  text-align: center;
  font-weight: 700;
}

/* ---- Section Helpers ---- */
.section-header { text-align: center; margin-bottom: 3rem; }
.section-badge {
  display: inline-block;
  background: rgba(37, 99, 235, 0.08);
  color: var(--red);
  border: 1px solid rgba(37, 99, 235, 0.18);
  border-radius: 100px;
  padding: 0.3rem 1rem;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  margin-bottom: 1rem;
}
.section-badge--light {
  background: rgba(255,255,255,0.15);
  color: var(--white);
  border-color: rgba(255,255,255,0.25);
}
.section-title {
  font-size: clamp(1.75rem, 3vw, 2.5rem);
  font-weight: 600;
  line-height: 1.2;
  letter-spacing: -0.01em;
  color: var(--navy);
  margin-bottom: 0.75rem;
}
.section-title--light { color: var(--white); }
.section-subtitle { color: var(--gray-600); font-size: 1.05rem; max-width: 580px; margin: 0 auto; }
.section-subtitle--light { color: rgba(255,255,255,0.75); }

/* ============================================================
   NAVBAR
   ============================================================ */
.skip-link {
  position: absolute;
  top: -100%;
  left: 1rem;
  background: var(--secondary);
  color: #fff;
  padding: 0.5rem 1rem;
  border-radius: 0 0 6px 6px;
  font-size: 14px;
  font-weight: 600;
  text-decoration: none;
  z-index: 9999;
  transition: top 0.15s;
}
.skip-link:focus {
  top: 0;
}

.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(0,0,0,0.06);
  transition: all var(--transition);
}
.navbar.scrolled {
  background: rgba(255,255,255,0.98);
  box-shadow: var(--shadow-sm);
}
.nav-container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 1.5rem;
  height: 76px;
  display: flex;
  align-items: center;
  gap: 2rem;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  text-decoration: none;
  flex-shrink: 0;
}
.logo-maple { font-size: 1.75rem; }
.logo-text {
  font-size: 1.9rem;
  font-weight: 800;
  letter-spacing: -0.04em;
  font-family: 'Plus Jakarta Sans', system-ui, sans-serif;
  display: inline-flex;
  align-items: baseline;
}
.logo-nord {
  color: var(--navy);
}
.logo-aux {
  color: var(--red);
  font-style: italic;
  font-weight: 700;
  letter-spacing: -0.01em;
}
.logo-descriptor {
  font-size: 0.6rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gray-600);
  white-space: nowrap;
  line-height: 1;
  display: block;
}
.logo-lockup {
  display: flex;
  flex-direction: column;
  gap: 1px;
}
.logo-descriptor {
  font-size: 0.58rem;
  font-weight: 600;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  opacity: 0.55;
  white-space: nowrap;
  line-height: 1;
}
.logo-sub {
  font-size: 0.75rem;
  font-weight: 500;
  color: var(--red);
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-top: 2px;
}
.nav-links {
  list-style: none;
  display: flex;
  gap: 0.25rem;
  flex: 1;
  justify-content: center;
}
.nav-links a {
  white-space: nowrap;
  padding: 0.5rem 0.85rem;
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--gray-600);
  transition: all var(--transition);
}
.nav-links a:hover { color: var(--navy); background: var(--gray-100); }
.nav-cta { display: flex; align-items: center; gap: 0.75rem; flex-shrink: 0; }
.hamburger {
  display: none; flex-direction: column; justify-content: center;
  gap: 5px; padding: 8px; width: 40px; height: 40px;
  background: none; border: none; cursor: pointer; border-radius: 8px;
  transition: background var(--transition);
}
.hamburger:hover { background: var(--gray-100); }
.hamburger span {
  display: block; width: 22px; height: 2px;
  background: var(--navy); border-radius: 2px;
  transition: transform 0.3s ease, opacity 0.3s ease, width 0.3s ease;
  transform-origin: center;
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.navbar.scrolled .hamburger span { background: var(--navy); }
.mobile-menu {
  display: none;
  background: var(--white);
  border-top: 1px solid var(--gray-200);
  padding: 0.5rem 0 1rem;
  box-shadow: 0 8px 24px rgba(0,0,0,0.08);
}
.mobile-menu ul { list-style: none; padding: 0 1.5rem; }
.mobile-menu ul li { padding: 0; }
.mobile-menu ul li a {
  display: block;
  padding: 0.85rem 0;
  font-size: 0.98rem;
  font-weight: 500;
  color: var(--navy);
  border-bottom: 1px solid var(--gray-100);
  transition: color var(--transition), padding-left var(--transition);
}
.mobile-menu ul li a:hover { color: var(--red); padding-left: 4px; }
.mobile-menu ul li:last-child a { border-bottom: none; }
.mobile-menu .btn-primary-mobile {
  display: block; text-align: center;
  margin-top: 1rem; width: 100%; border-radius: 12px;
  padding: 0.9rem; font-size: 1rem;
}
.btn-outline-mobile-signin {
  display: block; text-align: center;
  margin-top: 0.5rem; width: 100%; border-radius: 12px;
  padding: 0.85rem; font-size: 1rem; font-weight: 600;
  border: 1.5px solid var(--gray-200) !important;
  color: var(--navy) !important;
  background: transparent !important;
}
.btn-outline-mobile-signin:hover { border-color: var(--secondary) !important; color: var(--secondary) !important; padding-left: 0 !important; }
.mobile-menu.open {
  display: block;
  animation: slideDown 0.2s ease;
  max-height: calc(100vh - 70px);
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
}
@keyframes slideDown { from { opacity: 0; transform: translateY(-8px); } to { opacity: 1; transform: translateY(0); } }

/* ============================================================
   RATE TICKER
   ============================================================ */
.rate-ticker {
  position: fixed;
  top: 70px; left: 0; right: 0;
  z-index: 999;
  background: #1C2B3A;
  height: 34px;
  display: flex;
  align-items: center;
  overflow: hidden;
}
.ticker-label {
  background: #C07A1A;
  color: #fff;
  font-size: 0.67rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 0 1.2rem;
  padding-top: 6px;
  height: 34px;
  display: grid;
  place-items: center;
  flex-shrink: 0;
  white-space: nowrap;
  line-height: 1;
  position: relative;
  z-index: 2;
}
.ticker-track {
  display: flex;
  align-items: center;
  gap: 0;
  white-space: nowrap;
  animation: ticker 50s linear infinite;
  color: rgba(255,255,255,0.9);
  font-size: 0.8rem;
  flex: 1;
  min-width: 0;
  padding-top: 6px;
}
.ticker-item {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0 1.5rem;
  border-right: 1px solid rgba(255,255,255,0.15);
}
.ticker-bank { font-weight: 600; color: var(--white); }
.ticker-rate { color: var(--green); font-weight: 700; }
.ticker-term { color: rgba(255,255,255,0.5); font-size: 0.72rem; }
@keyframes ticker {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* ============================================================
   HERO
   ============================================================ */
.hero {
  display: block;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, #0B1D3A 0%, #1A3560 60%, #0B1D3A 100%);
  z-index: 0;
}
.hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 75% 25%, rgba(37, 99, 235, 0.18) 0%, transparent 55%),
              radial-gradient(ellipse at 20% 80%, rgba(245, 158, 11, 0.07) 0%, transparent 45%);
  z-index: 0;
}
.hero > * { position: relative; z-index: 1; }
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  color: rgba(255,255,255,0.9);
  border-radius: 50px;
  padding: 0.4rem 1rem;
  font-size: 0.82rem;
  font-weight: 600;
  margin-bottom: 1.5rem;
  backdrop-filter: blur(10px);
}
.hero-headline {
  font-size: clamp(2.5rem, 5vw, 4rem);
  font-weight: 700;
  line-height: 1.1;
  color: var(--white);
  margin-bottom: 1.25rem;
  letter-spacing: -0.02em;
}
.headline-highlight {
  position: relative;
  display: inline-block;
  color: var(--accent-gold);
}
.hero-subtext {
  color: rgba(255,255,255,0.72);
  font-size: 1.1rem;
  line-height: 1.65;
  margin-bottom: 2.5rem;
  max-width: 480px;
}
.hero-ctas {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 3rem;
}
.hero-trust {
  display: flex;
  align-items: center;
  gap: 0;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-md);
  padding: 1rem 1.5rem;
  backdrop-filter: blur(10px);
  max-width: 480px;
}
.trust-item { text-align: center; padding: 0 1.5rem; }
.trust-item strong { display: block; font-size: 1.4rem; font-weight: 800; color: var(--white); }
.trust-item span { font-size: 0.78rem; color: rgba(255,255,255,0.55); font-weight: 500; }
.trust-divider { width: 1px; height: 36px; background: rgba(255,255,255,0.15); flex-shrink: 0; }

/* Hero floating rate cards */
.hero-visual {
  position: relative;
  height: 380px;
}
.rate-card-float {
  position: absolute;
  background: rgba(255,255,255,0.08);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-md);
  padding: 1.25rem 1.5rem;
  min-width: 180px;
  animation: floatCard 6s ease-in-out infinite;
}
.rate-card-float--2 {
  top: 50px; right: 20px;
  animation-delay: -2s;
  background: rgba(255,255,255,0.12);
  border-color: rgba(255,255,255,0.25);
}
.rate-card-float--3 {
  bottom: 40px; left: 20px;
  animation-delay: -4s;
}
@keyframes floatCard {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-12px); }
}
.rcf-header {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.8rem;
  font-weight: 600;
  color: rgba(255,255,255,0.7);
  margin-bottom: 0.75rem;
}
.rcf-bank-dot {
  width: 10px; height: 10px;
  border-radius: 50%;
  flex-shrink: 0;
}
.rcf-bank-dot.rbc { background: #005DAA; }
.rcf-bank-dot.td { background: #34B233; }
.rcf-bank-dot.fn { background: var(--accent-gold); }
.rcf-rate {
  font-size: 2rem;
  font-weight: 900;
  color: var(--white);
  line-height: 1;
  margin-bottom: 0.25rem;
  letter-spacing: -0.03em;
}
.rcf-rate.best-rate { color: var(--accent-gold); }
.rcf-label { font-size: 0.75rem; color: rgba(255,255,255,0.5); margin-bottom: 0.5rem; }
.rcf-badge {
  font-size: 0.7rem;
  padding: 0.2rem 0.6rem;
  border-radius: 50px;
  background: rgba(255,255,255,0.1);
  color: rgba(255,255,255,0.6);
  display: inline-block;
}
.rcf-badge--best {
  background: rgba(245, 166, 35, 0.2);
  color: var(--accent-gold);
}

/* ============================================================
   RATES SECTION
   ============================================================ */
.rates-section {
  padding: 100px 0 60px;
  background: var(--off-white);
}
.rate-tabs {
  display: flex;
  gap: 0.5rem;
  background: var(--white);
  border-radius: 50px;
  padding: 0.35rem;
  border: 1.5px solid var(--gray-200);
  width: fit-content;
  margin: 0 auto 1.5rem;
  flex-wrap: wrap;
}
.rate-tab {
  padding: 0.6rem 1.5rem;
  border-radius: 50px;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--gray-600);
  transition: all var(--transition);
  border: none;
  background: none;
}
.rate-tab.active { background: var(--red); color: var(--white); }
.rate-tab:hover:not(.active) { background: var(--gray-100); color: var(--navy); }
/* ── Combined filter bar (type + term in one row) ───────────────────────────── */
.rates-filter-bar {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  flex-wrap: wrap;
  row-gap: 0.75rem;
  margin-bottom: 2rem;
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: 50px;
  padding: 0.35rem 0.5rem;
  width: fit-content;
  margin-left: auto;
  margin-right: auto;
}
.filter-group {
  display: flex;
  align-items: center;
  gap: 0.25rem;
}
.filter-divider {
  width: 1px;
  height: 22px;
  background: var(--gray-200);
  margin: 0 0.5rem;
  flex-shrink: 0;
}
.filter-label {
  font-size: 0.7rem;
  font-weight: 700;
  color: var(--gray-400);
  text-transform: uppercase;
  letter-spacing: 0.07em;
  padding: 0 0.5rem 0 0.25rem;
  white-space: nowrap;
}

/* shared chip style */
.type-filter-btn, .term-btn {
  padding: 0.45rem 1rem;
  border-radius: 50px;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--gray-600);
  border: none;
  background: none;
  cursor: pointer;
  transition: all var(--transition);
  white-space: nowrap;
  min-height: 36px;
}
.type-filter-btn:hover, .term-btn:hover { background: var(--gray-100); color: var(--navy); }
.type-filter-btn.active { background: var(--secondary); color: var(--white); }
.term-btn.active { background: var(--navy); color: var(--white); }

/* keep old .term-filters hidden — replaced by .rates-filter-bar */
.term-filters { display: none; }
.type-filters { display: none; }

@media (max-width: 768px) {
  .rates-filter-bar { border-radius: 16px; padding: 0.5rem; }
  .filter-divider { display: none; }
  .filter-group { flex-wrap: wrap; justify-content: center; }
  .filter-label { width: 100%; text-align: center; padding: 0.25rem 0 0; }
}

.rates-table-wrapper {
  overflow-x: clip;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-md);
  margin-bottom: 1.5rem;
}
.rates-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--white);
}
.rates-table thead tr {
  background: var(--navy);
}
.rates-table thead th {
  padding: 0.75rem 0.65rem;
  text-align: left;
  font-size: 0.75rem;
  font-weight: 700;
  color: rgba(255,255,255,0.7);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  white-space: nowrap;
}
.rates-table thead th.sortable { cursor: pointer; user-select: none; }
.rates-table thead th.sortable:hover { color: var(--white); }
.sort-icon { opacity: 0.5; font-size: 0.75rem; margin-left: 2px; }
.rates-table thead th.sort-asc .sort-icon,
.rates-table thead th.sort-desc .sort-icon { opacity: 1; color: #93C5FD; }
.rates-table tbody tr {
  border-bottom: 1px solid var(--gray-100);
  transition: background var(--transition);
}
.rates-table tbody tr:hover { background: var(--off-white); }
.rates-table tbody tr.best-row { background: rgba(0, 196, 140, 0.05); }
.rates-table tbody td {
  padding: 0.75rem 0.65rem;
  font-size: 0.85rem;
  vertical-align: middle;
}
/* Rate column (5) right-aligned */
.rates-table th:nth-child(5),
.rates-table td:nth-child(5) { text-align: right; }
.lender-cell {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}
.lender-dot {
  width: 10px; height: 10px;
  border-radius: 50%;
  flex-shrink: 0;
}
.lender-name { font-weight: 700; color: var(--navy); }
.lender-type { font-size: 0.75rem; color: var(--gray-400); }
.rate-value {
  font-weight: 800;
  font-size: 1.05rem;
  color: var(--navy);
}
.rate-value.best { color: var(--green); }
.best-badge {
  display: inline-block;
  background: none;
  color: var(--green);
  border: none;
  font-size: 1rem;
  line-height: 1;
  padding: 0;
  margin-left: 0;
}
.apply-link {
  padding: 0.5rem 1.1rem;
  border-radius: var(--radius-sm);
  font-size: 0.8rem;
  font-weight: 700;
  background: var(--red);
  color: var(--white);
  transition: all var(--transition);
  display: inline-block;
  white-space: nowrap;
}
.apply-link:hover { background: var(--red-dark); }
.rates-disclaimer {
  font-size: 0.78rem;
  color: var(--gray-400);
  line-height: 1.5;
  margin-bottom: 2.5rem;
  padding: 0 0.5rem;
}
.rate-history-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow-sm);
  margin-top: 2rem;
}
.rate-history-card h3 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 1rem;
}
.chart-toggle {
  display: flex;
  gap: .35rem;
  margin-bottom: 1.25rem;
}
.chart-toggle-btn {
  padding: .3rem .75rem;
  font-size: .72rem;
  font-weight: 600;
  border: 1.5px solid var(--border);
  border-radius: 20px;
  background: transparent;
  color: var(--gray-500);
  cursor: pointer;
  transition: all .15s;
}
.chart-toggle-btn.active {
  background: var(--navy);
  border-color: var(--navy);
  color: #fff;
}
.chart-toggle-btn:hover:not(.active) {
  border-color: var(--navy);
  color: var(--navy);
}
.chart-container {
  height: 280px;
  position: relative;
}

/* ============================================================
   FEATURES
   ============================================================ */
.features-section {
  padding: 100px 0;
  background: var(--white);
}
.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}
.feature-card {
  background: var(--off-white);
  border-radius: var(--radius-lg);
  padding: 2rem;
  border: 1.5px solid var(--gray-100);
  transition: all var(--transition);
}
.feature-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: rgba(161, 98, 7, 0.25);
}
.feature-icon {
  font-size: 2rem;
  margin-bottom: 1rem;
  display: block;
}
.feature-card h3 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 0.5rem;
}
.feature-card p { color: var(--gray-600); font-size: 0.92rem; line-height: 1.65; }

/* ============================================================
   PRODUCTS
   ============================================================ */
.products-section {
  padding: 100px 0;
  background: var(--off-white);
}
.products-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}
.product-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem;
  border: 1.5px solid var(--gray-100);
  display: flex;
  flex-direction: column;
  gap: 1rem;
  transition: all var(--transition);
}
.product-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.product-card--featured {
  background: var(--navy);
  border-color: transparent;
  color: var(--white);
}
.product-card--featured h3 { color: var(--white); }
.product-card--featured p { color: rgba(255,255,255,0.7); }
.product-card--featured .product-features li { color: rgba(255,255,255,0.8); }
.product-card--featured .btn-product {
  background: var(--red);
  color: var(--white);
  border-color: var(--red);
}
.product-icon { font-size: 2rem; }
.product-card h3 { font-size: 1.1rem; font-weight: 700; color: var(--navy); }
.product-card p { font-size: 0.88rem; color: var(--gray-600); line-height: 1.6; }
.product-features {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
}
.product-features li { font-size: 0.82rem; color: var(--gray-600); }

/* ============================================================
   HOW IT WORKS
   ============================================================ */
.hiw-section {
  padding: 100px 0;
  background: var(--navy);
  position: relative;
  overflow: hidden;
}
.hiw-section::before {
  content: '';
  position: absolute;
  top: -30%; right: -10%;
  width: 600px; height: 600px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(37, 99, 235, 0.1) 0%, transparent 70%);
}
.steps-grid {
  display: flex;
  align-items: center;
  gap: 0;
  position: relative;
  z-index: 1;
}
.step-card {
  flex: 1;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg);
  padding: 2rem 1.75rem 2rem;
  text-align: left;
  position: relative;
  overflow: hidden;
  transition: all var(--transition);
}
.step-card:hover {
  background: rgba(255,255,255,0.09);
  border-color: rgba(161, 98, 7, 0.45);
  transform: translateY(-4px);
}
.step-number {
  position: absolute;
  top: 0.5rem;
  right: 1rem;
  font-size: 5.5rem;
  font-weight: 900;
  line-height: 1;
  color: rgba(255,255,255,0.05);
  letter-spacing: -0.05em;
  pointer-events: none;
  user-select: none;
}
.step-icon {
  width: 52px;
  height: 52px;
  border-radius: 12px;
  background: rgba(161, 98, 7, 0.12);
  border: 1.5px solid rgba(161, 98, 7, 0.35);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  font-size: unset;
}
.step-card h3 { font-size: 1.05rem; font-weight: 700; color: var(--white); margin-bottom: 0.6rem; }
.step-card p { color: rgba(255,255,255,0.6); font-size: 0.875rem; line-height: 1.7; }
.step-connector {
  width: 44px;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
}
.step-connector::after {
  content: '→';
  font-size: 1.4rem;
  color: rgba(255,255,255,0.25);
  line-height: 1;
}

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonials-section {
  padding: 100px 0;
  background: var(--white);
}
.overall-rating {
  margin-top: 1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.75rem;
}
.stars { font-size: 1.2rem; }
.rating-text { color: var(--gray-600); font-size: 0.9rem; }
.testimonials-slider {
  overflow: hidden;
  margin: 0 -1.5rem;
  padding: 0 1.5rem;
}
.testimonials-track {
  display: flex;
  gap: 1.5rem;
  transition: transform 0.4s ease;
}
.testimonial-card {
  min-width: calc(33.333% - 1rem);
  background: var(--off-white);
  border-radius: var(--radius-lg);
  padding: 2rem;
  border: 1.5px solid var(--gray-100);
  flex-shrink: 0;
}
.testimonial-stars { font-size: 1rem; margin-bottom: 1rem; }
.testimonial-text {
  font-size: 0.95rem;
  line-height: 1.7;
  color: var(--gray-800);
  margin-bottom: 1.5rem;
  font-style: italic;
}
.testimonial-author { display: flex; align-items: center; gap: 0.75rem; }
.author-avatar {
  width: 42px; height: 42px;
  border-radius: 50%;
  background: var(--red);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--white);
  flex-shrink: 0;
}
.author-info strong { display: block; font-size: 0.9rem; font-weight: 700; color: var(--navy); }
.author-info span { font-size: 0.78rem; color: var(--gray-400); }
.slider-controls {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 1.5rem;
  margin-top: 2rem;
}
.slider-btn {
  width: 44px; height: 44px;
  border-radius: 50%;
  border: 2px solid var(--gray-200);
  background: var(--white);
  font-size: 1rem;
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all var(--transition);
}
.slider-btn:hover { background: var(--navy); color: var(--white); border-color: var(--navy); }
.slider-dots { display: flex; gap: 0.5rem; }
.slider-dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: var(--gray-200);
  cursor: pointer;
  transition: all var(--transition);
}
.slider-dot.active { background: var(--red); width: 24px; border-radius: 4px; }

/* ============================================================
   CALCULATOR
   ============================================================ */
.calculator-section {
  padding: 100px 0;
  background: var(--off-white);
}
.calc-wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2.5rem;
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 3rem;
  box-shadow: var(--shadow-lg);
}
.calc-inputs { display: flex; flex-direction: column; gap: 1.25rem; min-width: 0; }
.calc-results { min-width: 0; }
.calc-field { display: flex; flex-direction: column; gap: 0.4rem; }
.calc-field label { font-size: 0.85rem; font-weight: 600; color: var(--gray-800); }
.calc-field small { font-size: 0.75rem; color: var(--red); font-weight: 500; }
.input-wrapper {
  display: flex;
  align-items: stretch;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-sm);
  overflow: hidden;
  background: var(--white);
  transition: border-color var(--transition);
}
.input-wrapper:focus-within {
  border-color: var(--red);
  box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.15);
}
.input-wrapper > input,
.input-wrapper > select {
  border: none !important;
  box-shadow: none !important;
  outline: none;
  flex: 1;
  padding: 0.75rem 1rem;
  min-width: 0;
  background: transparent;
  width: 100%;
}
/* Number spinners — hidden by default, appear on hover/focus */
input[type="number"]::-webkit-inner-spin-button,
input[type="number"]::-webkit-outer-spin-button {
  -webkit-appearance: auto;
  opacity: 0;
  cursor: pointer;
  background: var(--gray-50);
  border-left: 1.5px solid var(--gray-200);
  margin: 0;
  padding: 0 3px;
  width: 22px;
  align-self: stretch;
  transition: opacity 0.15s ease;
}
input[type="number"]:hover::-webkit-inner-spin-button,
input[type="number"]:hover::-webkit-outer-spin-button,
input[type="number"]:focus::-webkit-inner-spin-button,
input[type="number"]:focus::-webkit-outer-spin-button {
  opacity: 1;
}
.input-prefix,
.input-suffix {
  position: static;
  padding: 0 0.85rem;
  background: var(--gray-50);
  font-size: 0.88rem;
  color: var(--gray-500);
  font-weight: 600;
  display: flex;
  align-items: center;
  white-space: nowrap;
  flex-shrink: 0;
}
.input-prefix { border-right: 1.5px solid var(--gray-200); }
.input-suffix { border-left: 1.5px solid var(--gray-200); }
.input-row { display: grid; grid-template-columns: 1fr auto; gap: 0.75rem; }
.input-pct { width: 140px; max-width: 140px; }
.input-pct input { padding: 0.75rem 1.75rem 0.75rem 0.75rem !important; text-align: right; }
.calc-results {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}
.result-primary {
  background: var(--navy);
  border-radius: var(--radius-md);
  padding: 2rem;
  text-align: center;
}
.result-label { font-size: 0.8rem; font-weight: 600; color: rgba(255,255,255,0.6); letter-spacing: 0.06em; text-transform: uppercase; margin-bottom: 0.5rem; }
.result-amount { font-size: 2.5rem; font-weight: 900; color: var(--white); letter-spacing: -0.03em; }
.result-breakdown { display: flex; flex-direction: column; gap: 0.5rem; }
.result-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.5rem 0;
  border-bottom: 1px solid var(--gray-100);
  font-size: 0.88rem;
}
.result-row span { color: var(--gray-600); }
.result-row strong { color: var(--navy); font-weight: 700; }

/* ── .calc-card — .calc-results used as a bordered comparison panel ───────────
 * .calc-results is a bare flex column: no padding, no border, no background.
 * The boxing normally comes from .result-primary, with the rows sitting on the
 * page beneath it.
 *
 * amortization-comparison, portability-calculator and true-cost-calculator use
 * it as a card instead, and before 2026-09-10 did so with inline
 * `border-radius:12px` plus an optional `border:2px solid`. Three defects
 * followed, all visible in the Option A / Option B pair on the portability page:
 *
 *   1. No padding, so every row ran flush into the border and the dark header
 *      bled to three edges.
 *   2. Only the HIGHLIGHTED card carried a border. A 2px border on one card and
 *      none on its neighbour insets one content box by 2px, so the two columns
 *      drifted out of line row by row. Every card now carries a 2px border and
 *      only the colour changes, which is what keeps the rows level.
 *   3. The last row kept its divider, drawing a line immediately above the card
 *      edge.
 *
 * All three pages were unreachable until 2026-09-10, which is why none of this
 * had been reported.
 */
.calc-results.calc-card {
  padding: 1.25rem;
  gap: 1rem;
  background: var(--white);
  border: 2px solid var(--gray-200);
  border-radius: var(--radius-lg);
}
.calc-results.calc-card.is-best { border-color: var(--green); }
.calc-results.calc-card.is-alt  { border-color: var(--gold); }
.calc-results.calc-card .result-primary { padding: 1.15rem 1.25rem; }
.calc-results.calc-card .result-row:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

/* .result-label carries a bottom margin to separate it from .result-amount.
 * Where a header has no amount — the Option A / Option B panels — that margin is
 * dead space, and it is why paired headers rendered at visibly different
 * heights. Applies everywhere: it can only match when there is no amount. */
.result-primary .result-label:last-child { margin-bottom: 0; }

@media (max-width: 640px) {
  .calc-results.calc-card { padding: 1rem; }
  .calc-results.calc-card .result-primary { padding: 1rem; }
}
.result-chart-wrap {
  display: flex;
  align-items: center;
  gap: 1rem;
}
.result-chart-legend {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  font-size: 0.8rem;
  color: var(--gray-600);
}
.legend-dot {
  display: inline-block;
  width: 10px; height: 10px;
  border-radius: 50%;
  margin-right: 0.35rem;
}
.legend-principal { background: var(--navy); }
.legend-interest { background: var(--red); }
.calc-apply-btn { width: 100%; justify-content: center; }

/* ============================================================
   FAQ
   ============================================================ */
.faq-section {
  padding: 100px 0;
  background: var(--white);
}
.faq-grid {
  max-width: 780px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}
.faq-item {
  background: var(--off-white);
  border-radius: var(--radius-md);
  border: 1.5px solid var(--gray-100);
  overflow: hidden;
  cursor: pointer;
  transition: all var(--transition);
}
.faq-item:hover { border-color: rgba(161, 98, 7, 0.3); }
.faq-item.open { border-color: var(--red); }
.faq-question {
  display: flex;
  justify-content: space-between;
  align-items: center;
  width: 100%;
  padding: 1.25rem 1.5rem;
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--navy);
  background: none;
  border: none;
  text-align: left;
  cursor: pointer;
  font-family: inherit;
}
.faq-chevron {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  color: var(--secondary);
  transition: transform var(--transition);
}
.faq-item.open .faq-chevron { transform: rotate(180deg); }
.faq-icon {
  font-size: 1.4rem;
  font-weight: 300;
  color: var(--red);
  transition: transform var(--transition);
  flex-shrink: 0;
}
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.35s ease;
}
.faq-item.open .faq-answer { max-height: 1200px; }
.faq-answer p {
  padding: 0 1.5rem 1.5rem;
  color: var(--gray-600);
  font-size: 0.92rem;
  line-height: 1.7;
}

/* ── FAQ, native <details> variant ────────────────────────────────────────────
 * Eight pages write their FAQ as <details class="faq-item"><summary>…</summary>
 * rather than the button/div accordion above: amortization-comparison,
 * fhsa-rrsp-optimizer, ird-penalty-calculator, mortgage-broker-guide,
 * newcomer-mortgage, portability-calculator, self-employed-mortgage and
 * true-cost-calculator.
 *
 * Until 2026-09-10 nothing styled that shape. The .faq-item rule above gave them
 * a bordered box, but every padding value in this component lives on
 * .faq-question and .faq-answer p -- classes a <details> does not have -- so the
 * text sat flush against the border with the browser's default disclosure
 * triangle beside it. That is the "formatted weird".
 *
 * Styled rather than converted to the button pattern on purpose: native
 * <details> is keyboard-accessible with no JS, survives find-in-page, and does
 * not depend on initFaqAccordion() having run. The markup is the better one; it
 * was only ever missing its CSS.
 */
details.faq-item { cursor: default; }
details.faq-item + details.faq-item { margin-top: 0.75rem; }

details.faq-item > summary {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  padding: 1.25rem 1.5rem;
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--navy);
  cursor: pointer;
  list-style: none;          /* Firefox */
  user-select: none;
}
/* The default triangle, which would sit alongside our own chevron. */
details.faq-item > summary::-webkit-details-marker { display: none; }
details.faq-item > summary::marker { content: ''; }

/* Chevron drawn in CSS — this markup has no inline SVG to rotate. */
details.faq-item > summary::after {
  content: '';
  flex-shrink: 0;
  width: 9px;
  height: 9px;
  margin-right: 3px;
  border-right: 2px solid var(--secondary);
  border-bottom: 2px solid var(--secondary);
  transform: rotate(45deg) translate(-2px, -2px);
  transition: transform var(--transition);
}
details.faq-item[open] > summary::after {
  transform: rotate(225deg) translate(-2px, -2px);
}

details.faq-item[open] { border-color: var(--red); }

details.faq-item > p,
details.faq-item > div,
details.faq-item > ul,
details.faq-item > ol {
  padding: 0 1.5rem 1.5rem;
  margin: 0;
  color: var(--gray-600);
  font-size: 0.92rem;
  line-height: 1.7;
}
details.faq-item > ul,
details.faq-item > ol { padding-left: 2.75rem; }
details.faq-item > p + p { padding-top: 0.75rem; }

/* mortgage-broker-guide.html wraps its answer in an unstyled .faq-body div, so
   those paragraphs are grandchildren and keep the browser's default margins
   inside the padding set above. Match them to the direct-child paragraphs. */
details.faq-item > div > p {
  margin: 0;
  color: inherit;
  font-size: inherit;
  line-height: inherit;
}
details.faq-item > div > p + p { margin-top: 0.75rem; }

/* ============================================================
   APPLY SECTION
   ============================================================ */
.apply-section {
  padding: 100px 0;
  background: var(--navy);
}
.apply-content {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 5rem;
  align-items: center;
}
.apply-text h2 {
  font-size: clamp(1.8rem, 3vw, 2.5rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1.2;
  margin-bottom: 1rem;
}
.apply-text p { color: rgba(255,255,255,0.7); font-size: 1rem; margin-bottom: 1.5rem; }
.apply-benefits { list-style: none; display: flex; flex-direction: column; gap: 0.6rem; }
.apply-benefits li { color: rgba(255,255,255,0.8); font-size: 0.92rem; font-weight: 500; }
.apply-form-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 2.5rem;
  box-shadow: var(--shadow-lg);
}
.apply-form-card h3 {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 1.5rem;
}
.apply-form { display: flex; flex-direction: column; gap: 1rem; }
.form-group { display: flex; flex-direction: column; gap: 0.35rem; }
.form-group label { font-size: 0.82rem; font-weight: 600; color: var(--gray-800); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.form-submit { margin-top: 0.5rem; width: 100%; justify-content: center; }
.form-consent { font-size: 0.72rem; color: var(--gray-400); text-align: center; line-height: 1.5; }
.form-consent a { color: var(--red); text-decoration: underline; }

/* ============================================================
   LENDERS
   ============================================================ */
.lenders-section {
  padding: 40px 0;
  background: var(--white);
  border-top: 1px solid var(--gray-100);
  border-bottom: 1px solid var(--gray-100);
}
.lenders-label {
  text-align: center;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--gray-400);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 1.5rem;
}
.lenders-track {
  display: flex;
  gap: 0;
  overflow: hidden;
  animation: marquee 30s linear infinite;
  white-space: nowrap;
}
.lenders-track:hover { animation-play-state: paused; }
.lender-logo {
  padding: 0.6rem 2rem;
  border-right: 1px solid var(--gray-100);
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--gray-400);
  flex-shrink: 0;
  transition: color var(--transition);
}
.lender-logo:hover { color: var(--navy); }
@keyframes marquee {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* ============================================================
   MODAL
   ============================================================ */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(5, 11, 42, 0.7);
  backdrop-filter: blur(8px);
  z-index: 10000;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  pointer-events: none;
  transition: opacity var(--transition);
}
.modal-overlay.active { opacity: 1; pointer-events: all; }
.modal-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 3rem;
  max-width: 440px;
  width: 90%;
  text-align: center;
  box-shadow: var(--shadow-lg);
  transform: scale(0.9);
  transition: transform 0.3s ease;
}
.modal-overlay.active .modal-card { transform: scale(1); }
.modal-icon { font-size: 3rem; margin-bottom: 1rem; }
.modal-card h3 { font-size: 1.5rem; font-weight: 800; color: var(--navy); margin-bottom: 0.75rem; }
.modal-card p { color: var(--gray-600); font-size: 0.95rem; line-height: 1.65; margin-bottom: 0.5rem; }
.modal-sub { font-size: 0.85rem !important; }
.modal-card .btn { margin-top: 1.5rem; width: 100%; justify-content: center; }

/* ============================================================
   FOOTER
   ============================================================ */
.footer {
  background: var(--navy);
  padding: 80px 0 40px;
  color: rgba(255,255,255,0.7);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1.2fr 1.1fr 1fr;
  gap: 1.5rem;
  margin-bottom: 3rem;
}
.footer-logo {
  display: block;
  margin-bottom: 1rem;
  font-size: 1.55rem;
  font-weight: 800;
  letter-spacing: -0.03em;
  font-family: 'Plus Jakarta Sans', system-ui, sans-serif;
  line-height: 1;
}
.footer-logo .logo-text { color: var(--white); white-space: nowrap; }
.footer-logo .logo-nord { color: var(--white); }
.logo-aux--footer { color: rgba(99,155,255,0.9); }
.footer-brand p {
  font-size: 0.88rem;
  line-height: 1.65;
  margin-bottom: 1rem;
  color: rgba(255,255,255,0.5);
}
.footer-license { font-size: 0.72rem; color: rgba(255,255,255,0.35); margin-bottom: 1.25rem; }
.footer-social { display: flex; gap: 0.5rem; }
.footer-social a {
  width: 36px; height: 36px;
  border-radius: 50%;
  border: 1px solid rgba(255,255,255,0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  font-weight: 700;
  color: rgba(255,255,255,0.6);
  transition: all var(--transition);
}
.footer-social a:hover { background: var(--red); border-color: var(--red); color: var(--white); }
.footer-links h4 {
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 1rem;
}
.footer-group-label {
  display: block;
  font-size: 0.65rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--gold);
  margin: 0.85rem 0 0.4rem;
}
.footer-links h4 + .footer-group-label { margin-top: 0; }
.footer-links ul { list-style: none; display: flex; flex-direction: column; gap: 0.5rem; margin-bottom: 0; }
.footer-links ul li a {
  font-size: 0.875rem;
  white-space: nowrap;
  color: rgba(255,255,255,0.5);
  transition: color var(--transition);
}
.footer-links ul li a:hover { color: var(--white); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 2rem;
}
.footer-bottom p {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.35);
  line-height: 1.6;
  margin-bottom: 0.75rem;
}
.footer-disclaimer { font-size: 0.7rem !important; line-height: 1.6; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .features-grid { grid-template-columns: repeat(2, 1fr); }
  .products-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
}
@media (max-width: 860px) and (min-width: 601px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 1.5rem; }
}

@media (max-width: 860px) {
  .hero { grid-template-columns: 1fr; text-align: center; }
  .hero-subtext { margin: 0 auto 2.5rem; }
  .hero-ctas { justify-content: center; }
  .hero-trust { margin: 0 auto; }
  .hero-visual { display: none; }
  .apply-content { grid-template-columns: 1fr; gap: 3rem; }
  .calc-wrapper { grid-template-columns: 1fr; }
  .steps-grid { flex-direction: column; }
  .step-connector { width: 44px; height: 44px; }
  .step-connector::after { content: '↓'; font-size: 1.4rem; }
}

@media (max-width: 1024px) {
  .nav-links, .nav-cta { display: none; }
  .hamburger { display: flex; }
}
@media (max-width: 768px) {
  .features-grid { grid-template-columns: 1fr; }
  .products-grid { grid-template-columns: 1fr; }
  .testimonial-card { min-width: calc(100% - 1.5rem); }
  .form-row { grid-template-columns: 1fr; }
}

@media (max-width: 600px) {
  .footer-grid { grid-template-columns: 1fr; }
  .hero-trust { flex-direction: column; gap: 1rem; }
  .trust-divider { width: 60px; height: 1px; }
  .rate-tabs { flex-wrap: wrap; justify-content: center; }
}

/* ── 480px — small phones ─────────────────────────────────── */
@media (max-width: 480px) {
  /* Reduce large section padding */
  .features-section, .products-section, .testimonials-section,
  .hiw-section, .calculator-section, .apply-section,
  .rates-section, .blog-section, .contact-section,
  .about-section, .rates-section--page, .article-layout-section { padding-top: 56px; padding-bottom: 56px; }

  /* Reduce inner card padding so content isn't squeezed */
  .calc-wrapper { padding: 1.5rem; }
  .apply-form-card { padding: 1.5rem; }
  .feature-card, .product-card { padding: 1.25rem; }

  /* Collapse remaining multi-column grids */
  .stats-grid { grid-template-columns: 1fr; }
  .credit-grid { grid-template-columns: 1fr; }
  .team-grid--founders { grid-template-columns: 1fr; }

  /* Hero headline size */
  .hero-headline { font-size: clamp(1.75rem, 8vw, 2.5rem); }
  .hero-inner { padding: 80px 1.25rem 44px; }

  /* Page hero */
  .page-hero { padding: 60px 0 40px; }
  .page-hero h1 { font-size: clamp(1.5rem, 6vw, 2rem); }

  /* Reduce term/tab button padding so they wrap cleanly */
  .term-btn, .rate-tab { padding: 0.5rem 0.75rem; font-size: 0.82rem; }

  /* Rate table: allow horizontal scroll, don't force wrap */
  .rates-table-wrapper { -webkit-overflow-scrolling: touch; }

  /* Blog article layout tighter on phone */
  .article-layout-section .container { padding: 0 1rem; }

  /* Apply / rates sidebar full-width */
  .rates-sidebar, .apply-sidebar { grid-template-columns: 1fr; }

  /* Newsletter form stack */
  .newsletter-form { flex-direction: column; }
  .newsletter-form input, .newsletter-form .btn { width: 100%; }
}

/* ============================================================
   UTILITY ANIMATIONS
   ============================================================ */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(30px); }
  to { opacity: 1; transform: translateY(0); }
}
.fade-in-up {
  opacity: 0;
  animation: fadeInUp 0.6s ease forwards;
}
.fade-in-up:nth-child(2) { animation-delay: 0.1s; }
.fade-in-up:nth-child(3) { animation-delay: 0.2s; }
.fade-in-up:nth-child(4) { animation-delay: 0.3s; }

/* ── Pill Toggle ───────────────────────────────────────────────────────────── */
/* Usage: <label class="pill-toggle"><input type="checkbox" /><span class="pill-track"></span></label> */
.pill-toggle {
  position: relative;
  display: inline-block;
  width: 56px;
  height: 30px;
  flex-shrink: 0;
  cursor: pointer;
}
.pill-toggle input { opacity: 0; width: 0; height: 0; position: absolute; }
.pill-track {
  position: absolute;
  inset: 0;
  border-radius: 999px;
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  transition: background 0.3s ease, border-color 0.3s ease;
}
.pill-track::before {
  content: '';
  position: absolute;
  width: 22px;
  height: 22px;
  left: 3px;
  top: 50%;
  transform: translateY(-50%);
  border-radius: 50%;
  background: var(--gray-200);
  transition: transform 0.3s ease, background 0.3s ease;
  box-shadow: 0 1px 4px rgba(0,0,0,0.15);
}
.pill-toggle input:checked + .pill-track {
  background: var(--navy);
  border-color: var(--navy);
}
.pill-toggle input:checked + .pill-track::before {
  transform: translateY(-50%) translateX(26px);
  background: var(--white);
}
.pill-toggle input:focus-visible + .pill-track {
  outline: 2px solid var(--secondary);
  outline-offset: 2px;
}
.pill-toggle-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}
.pill-toggle-label {
  font-size: 0.875rem;
  color: var(--gray-700);
  line-height: 1.5;
  flex: 1;
}

/* Scrollbar */
::-webkit-scrollbar { width: 6px; height: 6px; }
::-webkit-scrollbar-track { background: var(--gray-100); }
::-webkit-scrollbar-thumb { background: var(--gray-400); border-radius: 3px; }
::-webkit-scrollbar-thumb:hover { background: var(--navy); }

/* Selection */
::selection { background: rgba(161, 98, 7, 0.2); }

/* ============================================================
   MULTI-PAGE ADDITIONS
   ============================================================ */

/* Product Hero — used by tool/quiz/guide pages without a full dark hero */
.product-hero { background: var(--navy); padding: 130px 0 50px; position: relative; }
.product-hero h1 { font-size: clamp(1.8rem, 3.5vw, 2.75rem); font-weight: 700; color: var(--white); margin: 0.5rem 0 0.75rem; line-height: 1.2; }
.product-hero .hero-sub { color: rgba(255,255,255,0.72); font-size: 1rem; max-width: 580px; }
.product-hero .breadcrumb a { color: rgba(255,255,255,0.62); }
.product-hero .breadcrumb span { color: rgba(255,255,255,0.32); }

/* Page Hero (Interior Pages) */
.page-hero { background: var(--navy); padding: 140px 0 60px; position: relative; overflow: hidden; }
.page-hero::after { content: ''; position: absolute; inset: 0; background: radial-gradient(ellipse at 80% 30%, rgba(37, 99, 235, 0.1) 0%, transparent 60%); pointer-events: none; }
.page-hero .container { position: relative; z-index: 1; }
.page-hero h1 { font-size: clamp(1.8rem, 3.5vw, 3rem); font-weight: 700; color: var(--white); margin: 0.75rem 0; line-height: 1.15; letter-spacing: -0.01em; }
.page-hero p { color: rgba(255,255,255,0.72); font-size: 1.05rem; max-width: 600px; }
.page-hero--product .page-hero-content { display: grid; grid-template-columns: 1fr auto; gap: 4rem; align-items: center; }
.page-hero--about h1 { font-size: clamp(2rem, 4vw, 3.5rem); }
.page-hero--article { padding-bottom: 80px; }
.article-category { display: inline-block; background: transparent; color: var(--gold); border: 1px solid rgba(161,98,7,0.35); border-radius: 4px; padding: 0.2rem 0.65rem; font-size: 0.68rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; margin-bottom: 1.1rem; }
.article-meta { display: flex; align-items: center; gap: 1.25rem; margin-top: 1rem; color: rgba(255,255,255,0.6); font-size: 0.85rem; flex-wrap: wrap; }
.article-author { display: flex; align-items: center; gap: 0.6rem; }
.rates-meta-bar { display: flex; flex-wrap: wrap; gap: 1rem; margin-top: 1.5rem; }
.meta-item { font-size: 0.85rem; color: rgba(255,255,255,0.65); background: rgba(255,255,255,0.08); border-radius: var(--radius-sm); padding: 0.4rem 0.9rem; }
.meta-item strong { color: var(--white); }
.boc-rate strong, .prime-rate strong { color: var(--accent-gold); }

/* Breadcrumb */
.breadcrumb { font-size: 0.8rem; color: rgba(255,255,255,0.45); margin-bottom: 1rem; display: flex; align-items: center; gap: 0.5rem; }
.breadcrumb a { color: rgba(255,255,255,0.5); } .breadcrumb a:hover { color: var(--white); }
.breadcrumb span { opacity: 0.4; }

/* Nav Dropdown */
.nav-dropdown { position: relative; }
.dropdown-menu { position: absolute; top: calc(100% + 8px); left: 50%; background: var(--white); border: 1.5px solid var(--gray-100); border-radius: var(--radius-md); box-shadow: var(--shadow-lg); padding: 0.5rem; min-width: 220px; list-style: none; opacity: 0; pointer-events: none; transform: translateX(-50%) translateY(-8px); transition: opacity 0.2s ease, transform 0.2s ease; z-index: 100; }
.nav-dropdown.open .dropdown-menu { opacity: 1; pointer-events: all; transform: translateX(-50%) translateY(0); }
.dropdown-menu li a { display: flex; align-items: center; gap: 0.6rem; white-space: nowrap; padding: 0.6rem 1rem; font-size: 0.88rem; color: var(--gray-800); border-radius: var(--radius-sm); transition: background var(--transition); }
.dropdown-menu li a:hover { background: var(--gray-100); color: var(--navy); }
.dropdown-arrow { font-size: 0.65rem; }
.nav-links a.active { color: var(--navy); font-weight: 700; }
.mobile-section-label { font-size: 0.72rem; font-weight: 700; color: var(--gray-400); letter-spacing: 0.08em; text-transform: uppercase; padding: 0.75rem 0 0.25rem; display: block; }
.mobile-indent { padding-left: 1.25rem !important; }
.dropdown-section-label { font-size: 0.7rem; font-weight: 700; color: var(--gray-400); text-transform: uppercase; letter-spacing: 0.08em; padding: 0.5rem 1rem 0.2rem; border-top: 1px solid var(--gray-100); margin-top: 0.25rem; display: block; pointer-events: none; }
.dropdown-lender-logo { height: 20px; width: auto; border-radius: 3px; vertical-align: middle; margin-right: 8px; flex-shrink: 0; }
.dropdown-menu--wide { display: grid; grid-template-columns: 1fr 1fr; column-gap: 0.25rem; width: max-content; min-width: 420px; }
.dropdown-menu--wide li { min-width: 0; }
.dropdown-menu--mega { display: flex; gap: 0; min-width: 580px; padding: 0.75rem 0.5rem; }
.mega-col { flex: 1; padding: 0 0.75rem; border-right: 1px solid var(--border); }
.mega-col:last-child { border-right: none; }
.mega-col > ul { list-style: none; padding: 0; margin: 0; }
.mega-col > ul li a { display: block; padding: 0.45rem 0.6rem; font-size: 0.85rem; color: var(--gray-800); border-radius: var(--radius-sm); transition: background var(--transition); white-space: nowrap; }
.mega-col > ul li a:hover { background: var(--gray-100); color: var(--navy); }
.dropdown-section-label { display: block; padding: 0.3rem 0.6rem 0.5rem; font-size: 0.68rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: var(--gold); }
.mobile-subsection-label { padding: 0.4rem 1rem 0.2rem 2rem; font-size: 0.68rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.07em; color: var(--gray-400); display: list-item; }
.nav-lender-chip { display: inline-flex; align-items: center; justify-content: center; width: 28px; height: 18px; border-radius: 3px; font-size: 0.62rem; font-weight: 800; color: white; margin-right: 8px; flex-shrink: 0; letter-spacing: 0; vertical-align: middle; }
.nav-lender-logo { height: 20px; width: auto; max-width: 56px; object-fit: contain; margin-right: 8px; flex-shrink: 0; border-radius: 2px; }
.lender-logo-img { height: 64px; width: auto; border-radius: 10px; display: block; }
.lender-profile-header .lender-logo-img { height: 64px; }

/* Product Hero Stat Card */
.product-hero-stat-card { background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.15); border-radius: var(--radius-lg); padding: 2rem; backdrop-filter: blur(10px); display: flex; flex-direction: column; gap: 1.5rem; min-width: 220px; }
.stat-item { text-align: center; }
.stat-item strong { display: block; font-size: 1.6rem; font-weight: 900; color: var(--white); }
.stat-item span { font-size: 0.78rem; color: rgba(255,255,255,0.55); }

/* Section utility */
.product-section { padding: 80px 0; }
.bg-off-white { background: var(--off-white); }

/* Audience Grid */
.audience-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.audience-card { background: var(--white); border-radius: var(--radius-lg); padding: 2rem; border: 1.5px solid var(--gray-100); }
.audience-card--featured { background: var(--navy); }
.audience-card--featured h3 { color: var(--white); }
.audience-card--featured p { color: rgba(255,255,255,0.9); }
.audience-card--featured .audience-list li { color: rgba(255,255,255,0.9); }
.audience-icon { font-size: 2rem; margin-bottom: 1rem; display: block; }
.audience-card h3 { font-size: 1.1rem; font-weight: 700; margin-bottom: 0.5rem; color: var(--navy); }
.audience-card p { font-size: 0.9rem; color: var(--gray-600); margin-bottom: 1rem; line-height: 1.6; }
.audience-list { list-style: none; display: flex; flex-direction: column; gap: 0.4rem; }
.audience-list li { font-size: 0.85rem; color: var(--gray-600); }

/* Down Payment Rules */
.dp-rules-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.dp-rule-card { background: var(--white); border-radius: var(--radius-lg); padding: 2rem; border: 1.5px solid var(--gray-100); text-align: center; }
.dp-rule-card--mid { background: rgba(161,98,7,0.04); border-color: rgba(161,98,7,0.15); }
.dp-rule-card--high { background: rgba(30,58,138,0.04); border-color: rgba(30,58,138,0.15); }
.dp-pct { font-size: 2.5rem; font-weight: 900; color: var(--secondary); margin-bottom: 0.75rem; }
.dp-rule-card--high .dp-pct { color: var(--accent-gold); }
.dp-rule-card h4 { font-size: 0.95rem; font-weight: 700; margin-bottom: 0.5rem; color: var(--navy); }
.dp-rule-card p { font-size: 0.85rem; color: var(--gray-600); line-height: 1.6; margin-bottom: 0.75rem; }
.dp-example { font-size: 0.78rem; font-weight: 600; color: var(--gray-400); background: var(--gray-100); border-radius: var(--radius-sm); padding: 0.4rem 0.75rem; }

/* Reason Grid */
.reason-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.5rem; }
.reason-card { background: var(--off-white); border-radius: var(--radius-lg); padding: 2rem; border: 1.5px solid var(--gray-100); }
.reason-num { font-size: 2.5rem; font-weight: 900; color: rgba(15,23,42,0.12); line-height: 1; margin-bottom: 0.75rem; }
.reason-card h3 { font-size: 1.1rem; font-weight: 700; color: var(--navy); margin-bottom: 0.5rem; }
.reason-card p { font-size: 0.9rem; color: var(--gray-600); line-height: 1.65; margin-bottom: 1rem; }
.reason-rule { font-size: 0.8rem; font-weight: 600; color: var(--red); background: rgba(30,58,138,0.06); border-left: 3px solid var(--red); padding: 0.5rem 0.75rem; border-radius: 0 var(--radius-sm) var(--radius-sm) 0; }

/* Comparison Table */
.comparison-table-wrap { overflow-x: auto; border-radius: var(--radius-md); box-shadow: var(--shadow-sm); }
.comparison-table { width: 100%; border-collapse: collapse; background: var(--white); }
.comparison-table thead th { background: var(--navy); color: rgba(255,255,255,0.7); padding: 1rem 1.25rem; text-align: left; font-size: 0.85rem; font-weight: 700; }
.comparison-table tbody td { padding: 0.85rem 1.25rem; font-size: 0.9rem; border-bottom: 1px solid var(--gray-100); color: var(--gray-800); }
.comparison-table tbody tr:hover { background: var(--off-white); }

/* Renewal Timeline */
.timeline-horizontal { display: flex; align-items: flex-start; gap: 0; overflow-x: auto; padding: 1rem 0; }
.timeline-item { flex: 1; min-width: 180px; display: flex; flex-direction: column; align-items: center; text-align: center; }
.tl-dot { width: 52px; height: 52px; border-radius: 50%; background: var(--navy); color: var(--white); font-size: 1rem; font-weight: 800; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.tl-dot--start { background: var(--red); }
.tl-dot--end { background: var(--green); }
.tl-label { font-size: 0.72rem; color: var(--gray-400); font-weight: 600; margin-top: 0.35rem; text-transform: uppercase; letter-spacing: 0.05em; }
.tl-content { margin-top: 1rem; padding: 0 0.75rem; }
.tl-content h4 { font-size: 0.95rem; font-weight: 700; color: var(--navy); margin-bottom: 0.4rem; }
.tl-content p { font-size: 0.82rem; color: var(--gray-600); line-height: 1.55; }
.timeline-line { width: 60px; height: 2px; background: var(--gray-200); flex-shrink: 0; margin-top: 26px; }

/* Renewal Stat Banner */
.renewal-stat-banner { display: flex; align-items: center; background: var(--navy); border-radius: var(--radius-xl); padding: 3rem; gap: 0; }
.rsb-item { flex: 1; text-align: center; }
.rsb-num { font-size: 2.5rem; font-weight: 900; color: var(--accent-gold); line-height: 1; margin-bottom: 0.75rem; }
.rsb-text { font-size: 0.9rem; color: rgba(255,255,255,0.65); max-width: 220px; margin: 0 auto; line-height: 1.55; }
.rsb-divider { width: 1px; height: 80px; background: rgba(255,255,255,0.12); flex-shrink: 0; }

/* HELOC Visual */
.heloc-explainer { display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center; }
.heloc-visual { background: var(--navy); border-radius: var(--radius-lg); padding: 2rem; }
.heloc-visual h4 { color: var(--white); font-size: 0.95rem; font-weight: 700; margin-bottom: 0; text-align: center; }
.equity-diagram { position: relative; }
.equity-bar-col { display: flex; flex-direction: column; border-radius: var(--radius-md); overflow: hidden; }
.equity-seg { display: flex; align-items: center; justify-content: space-between; padding: 0.75rem 1rem; gap: 0.5rem; }
.equity-seg--heloc { background: var(--accent-gold); min-height: 60px; }
.equity-seg--mortgage { background: rgba(255,255,255,0.2); min-height: 72px; border-top: 1.5px solid rgba(255,255,255,0.15); border-bottom: 1.5px solid rgba(255,255,255,0.15); }
.equity-seg--equity { background: rgba(255,255,255,0.08); min-height: 64px; }
.equity-seg-inner { display: flex; flex-direction: column; gap: 0.2rem; }
.equity-seg-name { font-size: 0.75rem; font-weight: 700; color: var(--white); line-height: 1.2; }
.equity-seg--heloc .equity-seg-name { color: #1a0e00; }
.equity-seg-amt { font-size: 1.15rem; font-weight: 900; color: var(--white); }
.equity-seg--heloc .equity-seg-amt { color: #1a0e00; }
.equity-seg-pct { font-size: 0.7rem; font-weight: 700; color: rgba(255,255,255,0.65); background: rgba(0,0,0,0.25); padding: 0.2rem 0.55rem; border-radius: 20px; white-space: nowrap; flex-shrink: 0; }
.equity-seg--heloc .equity-seg-pct { color: rgba(0,0,0,0.55); background: rgba(0,0,0,0.15); }
.equity-ltv-line { display: flex; align-items: center; justify-content: flex-end; margin-top: 0.5rem; }
.equity-ltv-badge { font-size: 0.72rem; font-weight: 600; color: var(--accent-gold); background: rgba(161,98,7,0.15); border: 1px solid rgba(161,98,7,0.35); padding: 0.2rem 0.65rem; border-radius: 20px; }

/* Use Cases Grid */
.use-cases-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }
.use-case-card { background: var(--white); border-radius: var(--radius-lg); padding: 1.75rem; border: 1.5px solid var(--gray-100); text-align: center; transition: all var(--transition); }
.use-case-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.use-case-icon { font-size: 2rem; margin-bottom: 0.75rem; display: block; }
.use-case-card h3 { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 0.5rem; }
.use-case-card p { font-size: 0.85rem; color: var(--gray-600); line-height: 1.6; }

/* Eligibility */
.eligibility-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.5rem; }
.elig-card { border-radius: var(--radius-lg); padding: 2rem; }
.elig-card--yes { background: rgba(0,196,140,0.06); border: 1.5px solid rgba(0,196,140,0.2); }
.elig-card--no { background: rgba(15,23,42,0.03); border: 1.5px solid var(--border); }
.elig-card h4 { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 1rem; }
.elig-card ul { list-style: none; display: flex; flex-direction: column; gap: 0.55rem; }
.elig-card li { font-size: 0.88rem; color: var(--gray-700); }

/* Stats Grid */
.stats-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.stat-card { background: var(--white); border-radius: var(--radius-lg); padding: 2rem; text-align: center; border: 1.5px solid var(--gray-100); }
.stat-number { font-size: 2.2rem; font-weight: 900; color: var(--navy); margin-bottom: 0.4rem; }
.stat-label { font-size: 0.85rem; color: var(--gray-600); }

/* Team */
.team-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }
.team-card { background: var(--white); border-radius: var(--radius-lg); padding: 1.75rem; text-align: center; border: 1.5px solid var(--gray-100); transition: all var(--transition); }
.team-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.team-avatar {
  width: 96px;
  height: 96px;
  border-radius: 50%;
  background: var(--red);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--white);
  margin: 0 auto 1rem;
  overflow: hidden;
}
.team-avatar img { width: 100%; height: 100%; object-fit: cover; }
.team-card h4 { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 0.25rem; }
.team-title { font-size: 0.8rem; color: var(--red); font-weight: 600; margin-bottom: 0.25rem; }
.team-license { font-size: 0.72rem; color: var(--gray-400); margin-bottom: 0.75rem; }
.team-card p { font-size: 0.82rem; color: var(--gray-600); margin-bottom: 0.75rem; line-height: 1.5; }
.team-tags { display: flex; flex-wrap: wrap; gap: 0.35rem; justify-content: center; }
.team-tags span { font-size: 0.68rem; background: rgba(5,11,42,0.07); color: var(--navy); border-radius: 50px; padding: 0.2rem 0.6rem; font-weight: 600; }
/* Team modifier classes */
.team-grid--founders { grid-template-columns: repeat(2, 1fr); max-width: 860px; margin: 0 auto; }
.team-card--navy { border: 2px solid var(--navy) !important; position: relative; }
.team-card--red  { border: 2px solid var(--red)  !important; position: relative; }
.team-avatar--photo { padding: 0; overflow: hidden; background: none; }
.team-avatar--photo img { width: 100%; height: 100%; object-fit: cover; border-radius: 50%; }
.team-role-badge { position: absolute; top: -0.6rem; left: 1.25rem; font-size: 0.68rem; font-weight: 700; padding: 0.2rem 0.6rem; border-radius: 20px; text-transform: uppercase; letter-spacing: 0.05em; color: #fff; }
.team-role-badge--navy { background: var(--navy); }
.team-role-badge--red  { background: var(--red); }
.team-license a { color: var(--red); }
.team-languages { margin-top: 0.75rem; font-size: 0.8rem; color: var(--gray-500); }

/* License Grid */
.license-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.25rem; }
.license-card { background: var(--off-white); border-radius: var(--radius-md); padding: 1.5rem; border: 1.5px solid var(--gray-100); }
.license-province { font-size: 0.78rem; font-weight: 700; color: var(--red); text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 0.4rem; }
.license-num { font-size: 0.95rem; font-weight: 700; color: var(--navy); margin-bottom: 0.4rem; }
.license-body { font-size: 0.78rem; color: var(--gray-500); line-height: 1.4; }

/* Pull Quote / Transparency */
.transparency-card { background: var(--off-white); border-radius: var(--radius-xl); padding: 3rem; border-left: 4px solid var(--red); max-width: 800px; margin: 0 auto; }
.transparency-card h2 { font-size: 1.5rem; font-weight: 800; color: var(--navy); margin-bottom: 0.75rem; }
.pull-quote { font-size: 1.5rem; font-weight: 700; color: var(--navy); line-height: 1.4; font-style: italic; text-align: center; max-width: 700px; margin: 0 auto; padding: 2rem 3rem; border-top: 3px solid var(--red); border-bottom: 3px solid var(--red); }
.pull-quote-attr { font-size: 0.9rem; font-weight: 500; color: var(--gray-400); margin-top: 1rem; font-style: normal; }

/* Contact */
.contact-methods-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.contact-method-card { background: var(--off-white); border-radius: var(--radius-lg); padding: 2.5rem; text-align: center; border: 1.5px solid var(--gray-100); display: flex; flex-direction: column; gap: 0.75rem; align-items: center; }
.contact-method-card--featured { background: var(--navy); border-color: transparent; }
.contact-method-card--featured h3, .contact-method-card--featured .cm-value { color: var(--white); }
.contact-method-card--featured p { color: rgba(255,255,255,0.65) !important; }
.cm-icon { font-size: 2.5rem; }
.contact-method-card h3 { font-size: 1.1rem; font-weight: 700; color: var(--navy); }
.cm-value { font-size: 1.1rem; font-weight: 700; color: var(--red); }
.contact-method-card p { font-size: 0.85rem; color: var(--gray-600); line-height: 1.5; }
.contact-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 5rem; align-items: start; }
.contact-assurance { display: flex; flex-direction: column; gap: 0.75rem; }
.ca-item { font-size: 0.9rem; color: var(--gray-600); }
.offices-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.office-card { background: var(--off-white); border-radius: var(--radius-md); padding: 1.75rem; border: 1.5px solid var(--gray-100); }
.office-card h4 { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 0.5rem; }
.office-card p { font-size: 0.9rem; color: var(--gray-600); line-height: 1.6; }

/* Blog */
.blog-section { padding: 60px 0 100px; }
.blog-filters { display: flex; gap: 0.5rem; flex-wrap: wrap; margin-bottom: 2.5rem; }
.blog-filter-btn { padding: 0.5rem 1.1rem; border-radius: var(--radius-sm); border: 1.5px solid var(--gray-200); background: var(--white); font-size: 0.85rem; font-weight: 600; color: var(--gray-600); transition: all var(--transition); }
.blog-filter-btn.active, .blog-filter-btn:hover { background: var(--navy); color: var(--white); border-color: var(--navy); }
.blog-featured { display: grid; grid-template-columns: 1fr auto; gap: 3rem; background: var(--white); border-radius: var(--radius-xl); padding: 3rem; border: 1.5px solid var(--gray-100); box-shadow: var(--shadow-sm); margin-bottom: 3rem; align-items: center; }
.blog-featured h2 { font-size: 1.5rem; font-weight: 800; color: var(--navy); margin: 0.75rem 0; line-height: 1.3; }
.blog-featured h2 a, .blog-card h3 a { color: var(--navy); } .blog-featured h2 a:hover, .blog-card h3 a:hover { color: var(--red); }
.blog-featured p { font-size: 0.95rem; color: var(--gray-600); line-height: 1.65; margin-bottom: 1.5rem; }
.blog-featured-img { width: 280px; flex-shrink: 0; }
.blog-card-img, .blog-img-placeholder, .blog-card-img-placeholder {
  border-radius: var(--radius-md); height: 180px;
  display: flex; align-items: center; justify-content: center;
  background: linear-gradient(135deg, #0F172A, #1E3A8A);
}
.blog-img-placeholder { height: 100%; min-height: 220px; border-radius: var(--radius-md); }
.blog-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }
.blog-card { background: var(--white); border-radius: var(--radius-lg); border: 1.5px solid var(--gray-100); overflow: hidden; transition: all var(--transition); }
.blog-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.blog-card-body { padding: 1.25rem; }
.blog-meta { font-size: 0.75rem; color: var(--gray-400); margin-bottom: 0.5rem; }
.blog-cat { color: var(--red); font-weight: 700; }
.blog-card h3 { font-size: 0.95rem; font-weight: 700; color: var(--navy); margin-bottom: 0.5rem; line-height: 1.4; }
.blog-card p { font-size: 0.82rem; color: var(--gray-600); line-height: 1.55; margin-bottom: 0.75rem; }
.blog-footer { display: flex; justify-content: space-between; align-items: center; }
.blog-date { font-size: 0.75rem; color: var(--gray-400); }
.blog-read-more { font-size: 0.8rem; font-weight: 600; color: var(--red); }
.newsletter-card { background: var(--navy); border-radius: var(--radius-xl); padding: 2.5rem 3rem; display: flex; align-items: center; justify-content: space-between; gap: 2rem; }
.newsletter-card h3 { font-size: 1.25rem; font-weight: 700; color: var(--white); margin-bottom: 0.4rem; }
.newsletter-card p { color: rgba(255,255,255,0.65); font-size: 0.9rem; }
.newsletter-form { display: flex; gap: 0.75rem; }
.newsletter-form input { background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.2); color: var(--white); flex: 1; }
.newsletter-form input::placeholder { color: rgba(255,255,255,0.45); }

/* Article Layout */
.article-layout-section { padding: 60px 0 80px; }
.article-layout { display: grid; grid-template-columns: 240px 1fr; gap: 4rem; align-items: start; }
.article-toc { position: sticky; top: 130px; background: var(--off-white); border-radius: var(--radius-md); padding: 1.5rem; border: 1.5px solid var(--gray-100); }
.article-toc h4 { font-size: 0.8rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: var(--gray-400); margin-bottom: 1rem; }
.article-toc ul { list-style: none; display: flex; flex-direction: column; gap: 0.25rem; }
.article-toc ul li a { font-size: 0.82rem; color: var(--gray-600); display: block; padding: 0.3rem 0.5rem; border-radius: var(--radius-sm); transition: all var(--transition); }
.article-toc ul li a:hover, .article-toc ul li a.active { color: var(--red); background: rgba(30,58,138,0.06); }
.toc-cta { margin-top: 1.5rem; border-top: 1px solid var(--gray-200); padding-top: 1.25rem; }
.toc-cta p { font-size: 0.8rem; color: var(--gray-600); margin-bottom: 0.75rem; }
.article-content { max-width: 740px; }
.article-intro { font-size: 1.1rem; color: var(--gray-600); line-height: 1.75; margin-bottom: 2rem; border-left: 3px solid var(--red); padding-left: 1.25rem; }
.article-content h2 { font-size: 1.5rem; font-weight: 800; color: var(--navy); margin: 2.5rem 0 1rem; padding-top: 1rem; }
.article-content h3 { font-size: 1.1rem; font-weight: 700; color: var(--navy); margin: 1.75rem 0 0.75rem; }
.article-content p { color: var(--gray-700); font-size: 0.95rem; line-height: 1.75; margin-bottom: 1rem; }
.article-content ul, .article-content ol { color: var(--gray-700); font-size: 0.95rem; line-height: 1.75; margin-bottom: 1rem; padding-left: 1.5rem; }
.article-content li { margin-bottom: 0.35rem; }
.article-content a:not(.btn) { color: var(--secondary); font-weight: 600; text-decoration: underline; text-decoration-color: rgba(30,58,138,.35); text-underline-offset: 3px; transition: color .15s, text-decoration-color .15s; }
.article-content a:not(.btn):hover { color: var(--gold); text-decoration-color: var(--gold); }
.article-table { width: 100%; border-collapse: collapse; margin: 1.5rem 0; border-radius: var(--radius-sm); overflow: hidden; box-shadow: var(--shadow-sm); font-size: 0.88rem; }
.article-table thead th { background: var(--navy); color: rgba(255,255,255,0.8); padding: 0.75rem 1rem; text-align: left; font-size: 0.8rem; }
.article-table tbody td { padding: 0.7rem 1rem; border-bottom: 1px solid var(--gray-100); color: var(--gray-700); background: var(--white); }
.tip-box { background: rgba(0,196,140,0.06); border: 1px solid rgba(0,196,140,0.2); border-radius: var(--radius-md); padding: 1rem 1.25rem; margin: 1.25rem 0; font-size: 0.9rem; color: var(--gray-700); line-height: 1.65; }
.warning-box { background: rgba(161,98,7,0.06); border: 1px solid rgba(161,98,7,0.22); border-radius: var(--radius-md); padding: 1rem 1.25rem; margin: 1.25rem 0; font-size: 0.9rem; color: var(--gray-700); line-height: 1.65; }
.inline-calc-cta { background: var(--navy); border-radius: var(--radius-md); padding: 1.5rem; display: flex; align-items: center; justify-content: space-between; gap: 1.5rem; margin: 2rem 0; flex-wrap: wrap; }
.inline-calc-cta strong { display: block; color: var(--white); font-size: 1rem; margin-bottom: 0.25rem; }
.inline-calc-cta p { color: rgba(255,255,255,0.65); font-size: 0.85rem; margin: 0; }
.next-steps-list { display: flex; flex-direction: column; gap: 1rem; margin: 1.5rem 0; }
.next-step-item { display: flex; align-items: flex-start; gap: 1rem; background: var(--off-white); border-radius: var(--radius-md); padding: 1rem 1.25rem; }
.ns-num { width: 28px; height: 28px; border-radius: 50%; background: var(--red); color: var(--white); font-size: 0.8rem; font-weight: 700; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.next-step-item strong { display: block; font-size: 0.9rem; color: var(--navy); margin-bottom: 0.15rem; }
.next-step-item div { font-size: 0.88rem; color: var(--gray-600); line-height: 1.55; }
.author-bio-card { display: flex; align-items: flex-start; gap: 1.25rem; background: var(--off-white); border-radius: var(--radius-md); padding: 1.5rem; margin-top: 3rem; border: 1.5px solid var(--gray-100); }
.related-articles { margin-top: 4rem; border-top: 1px solid var(--gray-200); padding-top: 3rem; }
.related-articles h3 { font-size: 1.2rem; font-weight: 700; color: var(--navy); margin-bottom: 1.5rem; }
.related-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.related-card { background: var(--off-white); border-radius: var(--radius-md); padding: 1.25rem; border: 1.5px solid var(--gray-100); color: var(--navy); transition: all var(--transition); }
.related-card:hover { border-color: var(--red); transform: translateY(-2px); }
.related-card h4 { font-size: 0.9rem; font-weight: 600; margin-top: 0.5rem; line-height: 1.4; }

/* Apply Page */
.page-hero--apply { background: var(--navy); }
.apply-trust-bar { display: flex; gap: 1.5rem; flex-wrap: wrap; margin-top: 1.25rem; }
.apply-trust-bar span { font-size: 0.82rem; color: rgba(255,255,255,0.7); background: rgba(255,255,255,0.08); border-radius: 50px; padding: 0.3rem 0.9rem; }
.apply-section-form { padding: 60px 0 100px; background: var(--off-white); }
.apply-layout { display: grid; grid-template-columns: 1fr 340px; gap: 2.5rem; align-items: start; }
.apply-form-container { background: var(--white); border-radius: var(--radius-xl); padding: 2.5rem; box-shadow: var(--shadow-md); }

/* Step Progress */
.step-progress { margin-bottom: 2.5rem; }
.progress-track { height: 4px; background: var(--gray-200); border-radius: 2px; margin-bottom: 1.5rem; }
.progress-fill { height: 100%; background: var(--red); border-radius: 2px; transition: width 0.4s ease; }
.progress-steps { display: flex; justify-content: space-between; }
.progress-step { display: flex; flex-direction: column; align-items: center; gap: 0.3rem; }
.ps-dot { width: 32px; height: 32px; border-radius: 50%; border: 2px solid var(--gray-200); background: var(--white); display: flex; align-items: center; justify-content: center; font-size: 0.8rem; font-weight: 700; color: var(--gray-400); transition: all var(--transition); }
.progress-step.active .ps-dot { border-color: var(--red); background: var(--red); color: var(--white); }
.progress-step.completed .ps-dot { border-color: var(--green); background: var(--green); color: var(--white); }
.ps-label { font-size: 0.7rem; font-weight: 600; color: var(--gray-400); }
.progress-step.active .ps-label { color: var(--red); }
.form-step.hidden { display: none; }
.hidden { display: none !important; }
.step-title { font-size: 1.4rem; font-weight: 800; color: var(--navy); margin-bottom: 0.4rem; }
.step-subtitle { font-size: 0.9rem; color: var(--gray-600); margin-bottom: 2rem; }
.form-fields { display: flex; flex-direction: column; gap: 1.25rem; }
.step-nav { display: flex; justify-content: space-between; align-items: center; margin-top: 2rem; gap: 1rem; }
.step-nav--right { justify-content: flex-end; }
.btn-outline-navy { padding: 0.75rem 1.5rem; border-radius: var(--radius-md); font-size: 0.9rem; font-weight: 600; border: 2px solid var(--navy); color: var(--navy); background: transparent; transition: all var(--transition); display: inline-flex; align-items: center; gap: 0.4rem; }
.btn-outline-navy:hover { background: var(--navy); color: var(--white); }

/* Purpose + Credit + Radio */
.purpose-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1rem; margin-bottom: 0.5rem; }
.purpose-btn { background: var(--off-white); border: 2px solid var(--gray-200); border-radius: var(--radius-md); padding: 1.5rem; display: flex; flex-direction: column; align-items: center; gap: 0.4rem; transition: all var(--transition); cursor: pointer; }
.purpose-btn:hover, .purpose-btn.selected { border-color: var(--red); background: rgba(30,58,138,0.04); }
.purpose-icon { font-size: 2rem; }
.purpose-btn strong { font-size: 0.95rem; font-weight: 700; color: var(--navy); }
.purpose-btn span { font-size: 0.78rem; color: var(--gray-500); }
.credit-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0.75rem; }
.credit-btn { background: var(--off-white); border: 1.5px solid var(--gray-200); border-radius: var(--radius-sm); padding: 0.75rem 0.5rem; display: flex; flex-direction: column; align-items: center; gap: 0.2rem; transition: all var(--transition); cursor: pointer; }
.credit-btn:hover, .credit-btn.selected { border-color: var(--navy); background: rgba(5,11,42,0.05); }
.credit-btn strong { font-size: 0.82rem; font-weight: 700; color: var(--navy); }
.credit-btn span { font-size: 0.72rem; color: var(--gray-400); }
.radio-group { display: flex; gap: 0.625rem; flex-wrap: wrap; }
.radio-label { display: flex; align-items: center; gap: 0.5rem; font-size: 0.875rem; cursor: pointer; color: var(--gray-700); padding: 0.6rem 1rem; background: var(--off-white); border: 1px solid var(--border); border-radius: var(--radius-sm); white-space: nowrap; transition: border-color var(--transition); }
.radio-label:hover { border-color: var(--secondary); }
.radio-label input[type="radio"] { width: 16px; height: 16px; accent-color: var(--secondary); flex-shrink: 0; cursor: pointer; }
.checkbox-label { display: flex; align-items: flex-start; gap: 0.875rem; font-size: 0.875rem; cursor: pointer; color: var(--gray-700); line-height: 1.6; padding: 0.875rem 1rem; background: var(--off-white); border: 1px solid var(--border); border-radius: var(--radius-sm); transition: border-color var(--transition); }
.checkbox-label:hover { border-color: var(--secondary); }
.checkbox-label input[type="checkbox"] { margin-top: 3px; flex-shrink: 0; width: 18px; height: 18px; accent-color: var(--secondary); cursor: pointer; }
.checkbox-label strong { color: var(--secondary); }
.info-box { background: rgba(0,196,140,0.08); border: 1px solid rgba(0,196,140,0.2); border-radius: var(--radius-sm); padding: 0.75rem 1rem; font-size: 0.85rem; color: var(--gray-700); }
.review-card { background: var(--off-white); border-radius: var(--radius-md); padding: 1.5rem; border: 1.5px solid var(--gray-100); }
.review-table { width: 100%; border-collapse: collapse; font-size: 0.88rem; }
.review-key { color: var(--gray-500); padding: 0.5rem 0; width: 40%; }
.review-val { color: var(--navy); font-weight: 600; padding: 0.5rem 0; border-bottom: 1px solid var(--gray-100); }
.success-state { text-align: center; padding: 2rem 1rem; }
/* Affordability Estimate Box */
.affordability-feedback {
  background: var(--gray-100);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 1.25rem;
  margin-top: 1.5rem;
  font-size: 0.9rem;
  color: var(--navy);
}
.success-icon { font-size: 4rem; margin-bottom: 1rem; }
.success-state h2 { font-size: 1.6rem; font-weight: 800; color: var(--navy); margin-bottom: 0.75rem; }
.success-next { margin-top: 2rem; background: var(--off-white); border-radius: var(--radius-md); padding: 1.5rem; }
.success-next h4 { font-size: 0.9rem; font-weight: 700; color: var(--navy); margin-bottom: 1rem; }
.success-links { display: flex; gap: 0.75rem; flex-wrap: wrap; justify-content: center; }
.success-link { display: inline-flex; align-items: center; gap: 0.4rem; padding: 0.6rem 1rem; border-radius: var(--radius-sm); border: 1.5px solid var(--gray-200); background: var(--white); font-size: 0.82rem; font-weight: 600; color: var(--navy); transition: all var(--transition); }
.success-link:hover { border-color: var(--red); color: var(--red); }
.apply-sidebar { display: flex; flex-direction: column; gap: 1.25rem; }
.sidebar-card { background: var(--white); border-radius: var(--radius-md); padding: 1.5rem; border: 1.5px solid var(--gray-100); }
.sidebar-card--highlight { background: rgba(161,98,7,0.05); border-color: rgba(161,98,7,0.2); }
.sidebar-card--cta { background: var(--navy); border-color: transparent; }
.sidebar-card h4 { font-size: 0.9rem; font-weight: 700; color: var(--navy); margin-bottom: 0.5rem; }
.sidebar-card p { font-size: 0.85rem; color: var(--gray-600); line-height: 1.55; }
.sidebar-card--cta h4, .sidebar-card--cta p { color: rgba(255,255,255,0.85); }
.what-next-list { list-style: none; counter-reset: steps; display: flex; flex-direction: column; gap: 0.65rem; margin-top: 0.5rem; }
.what-next-list li { font-size: 0.85rem; color: var(--gray-600); counter-increment: steps; display: flex; align-items: center; gap: 0.6rem; }
.what-next-list li::before { content: counter(steps); width: 22px; height: 22px; border-radius: 50%; background: var(--red); color: white; font-size: 0.7rem; font-weight: 700; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }

/* Rates Page Sidebar */
.rates-chips-row { margin-bottom: 1rem; }
/* Cloudflare's Turnstile widget renders a fixed 300px iframe, which did not fit
   a 240px column and bled over the card edge. The right column now carries
   300px plus the card's 1.5rem padding and 1.5px border (352 - 48 - 3 = 301),
   so the widget sits inside at full size with no scaling.

   Widening a column inside the site-wide 1180px container would have taken that
   space off a seven-column table. This page gets a wider container instead --
   it is the densest layout on the site -- so the table gains room rather than
   losing it: 1312 - 240 - 352 - 40 of gaps = 680px, up from 612px. */
.container:has(.rates-page-layout) { max-width: 1360px; }
.rates-page-layout { display: grid; grid-template-columns: 240px 1fr 352px; gap: 1.25rem; align-items: start; }

/* Belt and braces. :has() is widely supported but not universal, and the
   stacked tablet layout narrows these cards anyway -- clip rather than bleed. */
.ra-card .cf-turnstile { max-width: 100%; overflow: hidden; }
.rates-page-layout > * { min-width: 0; }
.rates-left-panel { display: flex; flex-direction: column; gap: 1.25rem; position: sticky; top: 130px; }
.rates-sidebar { display: flex; flex-direction: column; gap: 1.25rem; position: sticky; top: 130px; }
.key-rates-list { list-style: none; display: flex; flex-direction: column; gap: 0; margin-top: 0.5rem; }
.key-rates-list li { display: flex; justify-content: space-between; padding: 0.6rem 0; border-bottom: 1px solid var(--gray-100); font-size: 0.85rem; }
.key-rates-list span { color: var(--gray-600); }
.key-rates-list strong { color: var(--navy); font-weight: 700; }
.rate-green { color: var(--green) !important; }
.boc-countdown { text-align: center; padding: 0.75rem 0; }
.countdown-num { font-size: 3rem; font-weight: 900; color: var(--red); line-height: 1; }
.countdown-label { font-size: 0.8rem; color: var(--gray-400); }
.boc-date { font-size: 0.85rem; font-weight: 600; color: var(--navy); margin-top: 0.35rem; }
.rate-explainer { margin-top: 2.5rem; }
.rate-explainer h3 { font-size: 1.1rem; font-weight: 700; color: var(--navy); margin-bottom: 1.25rem; }
/* Rate Drop Alert card */
.ra-card { border-color: rgba(30,58,138,0.15); background: var(--white); }
.ra-header { display: flex; align-items: center; gap: 0.5rem; font-size: 0.92rem; font-weight: 700; color: var(--navy); margin-bottom: 0.4rem; }
.ra-header svg { color: var(--secondary); flex-shrink: 0; }
.ra-sub { font-size: 0.8rem; color: var(--gray-500); margin-bottom: 1rem; line-height: 1.5; }
.ra-field { margin-bottom: 0.75rem; }
.ra-field label { display: block; font-size: 0.78rem; font-weight: 600; color: var(--gray-700); margin-bottom: 0.35rem; }
.ra-msg { font-size: 0.8rem; font-weight: 600; text-align: center; margin-top: 0.6rem; padding: 0.5rem 0.75rem; border-radius: var(--radius-sm); }
.ra-msg--success { background: rgba(16,185,129,0.08); color: #065F46; }
.ra-msg--error   { background: rgba(220,38,38,0.08);  color: #991B1B; }

/* Calculator Hub */
.calc-hub-section { padding: 60px 0 100px; }

/* ── Two-layout nav: sidebar on desktop, grouped pills on mobile ── */
.calc-layout { display: grid; grid-template-columns: 210px 1fr; gap: 2.5rem; align-items: start; }

/* Sidebar (desktop) */
.calc-nav { position: sticky; top: 80px; }
.calc-nav-group { margin-bottom: 1.75rem; }
.calc-nav-group-label {
  display: block; font-size: 0.68rem; font-weight: 700; letter-spacing: 0.09em;
  text-transform: uppercase; color: var(--gray-400); padding: 0 0.75rem 0.5rem;
}
.calc-nav-items { display: flex; flex-direction: column; gap: 0.125rem; }
.calc-nav-btn {
  display: block; width: 100%; text-align: left;
  padding: 0.55rem 0.75rem; border-radius: 8px;
  font-size: 0.875rem; font-weight: 500; color: var(--gray-600);
  transition: all 0.15s ease;
}
.calc-nav-btn:hover { background: var(--gray-100); color: var(--navy); }
.calc-nav-btn.active {
  background: rgba(30,58,138,0.09); color: var(--secondary);
  font-weight: 600; border-left: 3px solid var(--secondary);
  padding-left: calc(0.75rem - 3px);
}

.calc-panels { min-width: 0; }
.calc-panel { display: block; }
.calc-panel.hidden { display: none; }

/* Mobile: grouped pill layout — applied below at ≤ 900px */
.amort-schedule-wrap { margin-top: 2rem; }
.amort-table-wrap { overflow-x: auto; border-radius: var(--radius-md); margin-top: 0.5rem; }
.affordability-limits { display: flex; flex-direction: column; gap: 0.75rem; margin: 0.5rem 0; }
.limit-bar { display: flex; flex-direction: column; gap: 0.3rem; }
.limit-label { font-size: 0.75rem; color: var(--gray-500); font-weight: 600; }
.limit-track { height: 8px; background: var(--gray-200); border-radius: 4px; }
.limit-fill { height: 100%; background: var(--green); border-radius: 4px; transition: width 0.4s ease, background 0.3s ease; }
.limit-fill--tds { background: var(--purple); }
.prepay-bars { display: flex; flex-direction: column; gap: 0.75rem; margin: 0.5rem 0; }
.prepay-bar-wrap { display: flex; flex-direction: column; gap: 0.3rem; }
.prepay-bar-label { font-size: 0.75rem; color: var(--gray-500); font-weight: 600; }
.prepay-bar-track { height: 12px; background: var(--gray-200); border-radius: 6px; }
.prepay-bar-fill { height: 100%; background: var(--navy); border-radius: 6px; transition: width 0.4s ease; }
.prepay-bar-fill--new { background: var(--green); }

/* Homepage Snapshot — Bento Grid */
.rate-snapshot-section { padding: 60px 0; background: var(--white); }
.snapshot-header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 2rem; flex-wrap: wrap; gap: 1rem; }
.snapshot-header h2 { font-size: 1.5rem; font-weight: 800; color: var(--navy); }
.snapshot-header p { font-size: 0.85rem; color: var(--gray-500); margin-top: 0.25rem; }
.snapshot-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0.75rem; }

.snapshot-card {
  position: relative; overflow: hidden;
  padding: 1.25rem 1.25rem 1rem;
  border-radius: 0.875rem;
  border: 1px solid rgba(0,0,0,0.08);
  background: var(--white);
  display: flex; flex-direction: column; gap: 0;
  transition: all 0.3s ease; will-change: transform;
}
.snapshot-card:hover { box-shadow: 0 4px 16px rgba(0,0,0,0.07); transform: translateY(-2px); border-color: rgba(0,0,0,0.13); }
.snapshot-card::before {
  content: ''; position: absolute; inset: 0; pointer-events: none;
  background-image: radial-gradient(circle, rgba(0,0,0,0.035) 1px, transparent 1px);
  background-size: 4px 4px; opacity: 0; transition: opacity 0.3s;
}
.snapshot-card:hover::before { opacity: 1; }

.snapshot-card--featured {
  background: var(--navy);
  border-color: rgba(255,255,255,0.08);
  transform: translateY(-2px);
  box-shadow: 0 4px 20px rgba(15,23,42,0.18);
}
.snapshot-card--featured::before {
  background-image: radial-gradient(circle, rgba(255,255,255,0.055) 1px, transparent 1px);
  background-size: 4px 4px; opacity: 1;
}
.snapshot-card--featured:hover { transform: translateY(-4px); box-shadow: 0 8px 28px rgba(15,23,42,0.22); }

.sc-top { display: flex; align-items: center; justify-content: space-between; margin-bottom: 1rem; }
.sc-icon { width: 32px; height: 32px; border-radius: 8px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.sc-icon--blue  { background: rgba(59,130,246,0.1);  color: #3B82F6; }
.sc-icon--gold  { background: rgba(161,98,7,0.12);   color: var(--accent-gold); }
.sc-icon--slate { background: rgba(100,116,139,0.1); color: #64748B; }
.sc-status { font-size: 0.7rem; font-weight: 600; padding: 0.2rem 0.6rem; border-radius: 6px; background: rgba(0,0,0,0.05); color: var(--gray-600); }
.sc-status--gold { background: rgba(161,98,7,0.12); color: var(--accent-gold); }
.snapshot-card--featured .sc-status { background: rgba(255,255,255,0.1); color: rgba(255,255,255,0.7); }
.snapshot-card--featured .sc-status--gold { background: rgba(245,158,11,0.2); color: #F59E0B; }

.sc-body { flex: 1; margin-bottom: 1rem; }
.sc-title { font-size: 0.88rem; font-weight: 600; color: var(--navy); letter-spacing: -0.01em; margin-bottom: 0.35rem; }
.sc-meta { font-size: 0.73rem; font-weight: 400; color: var(--gray-400); margin-left: 0.4rem; }
.sc-rate { font-size: 2.4rem; font-weight: 900; color: var(--navy); line-height: 1.05; margin-bottom: 0.4rem; letter-spacing: -0.02em; }
.sc-bank { font-size: 0.8rem; color: var(--gray-500); }
.snapshot-card--featured .sc-title { color: rgba(255,255,255,0.8); }
.snapshot-card--featured .sc-meta  { color: rgba(255,255,255,0.35); }
.snapshot-card--featured .sc-rate  { color: var(--accent-gold); }
.snapshot-card--featured .sc-bank  { color: rgba(255,255,255,0.5); }

.sc-footer { display: flex; align-items: center; justify-content: space-between; gap: 0.5rem; padding-top: 0.75rem; border-top: 1px solid rgba(0,0,0,0.06); }
.snapshot-card--featured .sc-footer { border-top-color: rgba(255,255,255,0.08); }
.sc-tags { display: flex; gap: 0.3rem; flex-wrap: wrap; }
.sc-tags span { font-size: 0.67rem; padding: 0.18rem 0.5rem; border-radius: 5px; background: rgba(0,0,0,0.05); color: var(--gray-500); }
.snapshot-card--featured .sc-tags span { background: rgba(255,255,255,0.08); color: rgba(255,255,255,0.45); }
.sc-cta { font-size: 0.72rem; font-weight: 600; color: var(--secondary); white-space: nowrap; opacity: 0; transition: opacity 0.25s; text-decoration: none; }
.snapshot-card:hover .sc-cta, .snapshot-card--featured .sc-cta { opacity: 1; }
.snapshot-card--featured .sc-cta { color: #F59E0B; }
.testimonials-track-static { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.cta-band { background: var(--navy); padding: 80px 0; }
.cta-band-content { text-align: center; }
.cta-band-content h2 { font-size: clamp(1.5rem, 3vw, 2.2rem); font-weight: 800; color: var(--white); margin-bottom: 0.75rem; }
.cta-band-content p { color: rgba(255,255,255,0.65); font-size: 1rem; margin-bottom: 2rem; }
.product-card--link { text-decoration: none; cursor: pointer; }
.product-cta-link { font-size: 0.85rem; font-weight: 700; color: var(--red); margin-top: auto; display: block; }
.product-card--featured .product-cta-link { color: var(--accent-gold); }
.rates-section--page { padding: 40px 0 80px; background: var(--off-white); }
.rates-section--page .container { max-width: 1440px; padding-left: 2.5rem; padding-right: 2.5rem; }

/* Responsive */
@media (max-width: 1024px) {
  .team-grid { grid-template-columns: repeat(2, 1fr); }
  .license-grid { grid-template-columns: repeat(2, 1fr); }
  .blog-grid { grid-template-columns: repeat(2, 1fr); }
  .use-cases-grid { grid-template-columns: repeat(2, 1fr); }
  .rates-page-layout { grid-template-columns: 1fr; }
  .rates-left-panel { position: static; display: grid; grid-template-columns: repeat(2, 1fr); }
  .rates-sidebar { position: static; display: grid; grid-template-columns: repeat(2, 1fr); }
  .apply-layout { grid-template-columns: 1fr; }
  .apply-sidebar { display: grid; grid-template-columns: repeat(2, 1fr); }
  .article-layout { grid-template-columns: 1fr; }
  .article-toc { position: static; }
  .heloc-explainer { grid-template-columns: 1fr; }
  .page-hero--product .page-hero-content { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  .audience-grid, .dp-rules-grid, .reason-grid, .contact-methods-grid, .contact-layout, .offices-grid, .eligibility-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .blog-grid { grid-template-columns: 1fr; }
  .testimonials-track-static { grid-template-columns: 1fr; }
  .snapshot-cards { grid-template-columns: 1fr; }
  .timeline-horizontal { flex-direction: column; align-items: flex-start; }
  .timeline-line { width: 2px; height: 30px; margin-left: 25px; }
  .renewal-stat-banner { flex-direction: column; padding: 2rem; text-align: center; }
  .rsb-divider { width: 60px; height: 1px; }
  .newsletter-card { flex-direction: column; }
  .newsletter-form { min-width: unset; width: 100%; }
  .purpose-grid { grid-template-columns: 1fr; }
  .credit-grid { grid-template-columns: repeat(2, 1fr); }
  .blog-featured { grid-template-columns: 1fr; }
  .blog-featured-img { display: none; }
  .related-grid { grid-template-columns: 1fr; }
  .rates-left-panel { grid-template-columns: 1fr; }
  .rates-sidebar { grid-template-columns: 1fr; }
  .apply-sidebar { grid-template-columns: 1fr; }
  /* Calculator: collapse to grouped pill layout on mobile */
  .calc-layout { grid-template-columns: 1fr; gap: 1.25rem; }
  .calc-nav { position: static; }
  .calc-nav-group { margin-bottom: 1rem; }
  .calc-nav-group-label {
    font-size: 0.68rem; font-weight: 700; letter-spacing: 0.07em;
    text-transform: uppercase; color: var(--gray-400);
    display: block; margin-bottom: 0.4rem; padding: 0 0.1rem;
  }
  .calc-nav-items { flex-direction: row; flex-wrap: wrap; gap: 0.35rem; }
  .calc-nav-btn {
    width: auto; text-align: center;
    padding: 0.45rem 0.9rem; border-radius: 50px;
    font-size: 0.8rem; font-weight: 600;
    background: var(--white); border: 1.5px solid var(--gray-200);
    color: var(--gray-600);
  }
  .calc-nav-btn:hover { background: var(--gray-100); }
  .calc-nav-btn.active {
    background: var(--navy); color: var(--white);
    border-color: var(--navy); border-left: 1.5px solid var(--navy);
    padding-left: 0.9rem;
  }
}
@media (max-width: 480px) {
  /* Re-collapse grids that the 768px block above sets to 2 cols */
  .stats-grid { grid-template-columns: 1fr; }
  .credit-grid { grid-template-columns: 1fr; }
  /* Collapse per-page grids that stop at 2 cols at 1024px */
  .team-grid { grid-template-columns: 1fr; }
  .license-grid { grid-template-columns: 1fr; }
  .use-cases-grid { grid-template-columns: 1fr; }
}

/* ============================================================
   HERO INNER LAYOUT
   ============================================================ */
.hero-inner {
  max-width: 1180px;
  margin: 0 auto;
  padding: 110px 1.5rem 72px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
  position: relative;
  z-index: 1;
}

/* ── Hero Rate Widget ────────────────────────────────────── */
.hero-rate-widget {
  background: rgba(255,255,255,0.08);
  backdrop-filter: blur(24px);
  -webkit-backdrop-filter: blur(24px);
  border: 1px solid rgba(255,255,255,0.16);
  border-radius: 20px;
  overflow: hidden;
}
.hrw-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.1rem 1.4rem 0.9rem;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.hrw-title { font-size: 0.92rem; font-weight: 700; color: var(--white); }
.hrw-updated { font-size: 0.7rem; color: rgba(255,255,255,0.4); }
.hrw-tabs {
  display: flex;
  gap: 0.25rem;
  padding: 0.6rem 1rem;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  background: rgba(0,0,0,0.15);
}
.hrw-tab {
  padding: 0.35rem 0.85rem;
  border-radius: 50px;
  font-size: 0.78rem;
  font-weight: 600;
  color: rgba(255,255,255,0.45);
  background: none;
  border: none;
  cursor: pointer;
  transition: all 0.18s;
}
.hrw-tab.active {
  background: rgba(255,255,255,0.14);
  color: var(--white);
}
.hrw-tab:hover:not(.active) { color: rgba(255,255,255,0.75); }
.hrw-rates { padding: 0.25rem 0; }
.hrw-row {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  padding: 0.72rem 1.4rem;
  border-bottom: 1px solid rgba(255,255,255,0.05);
  transition: background 0.18s;
}
.hrw-row:last-child { border-bottom: none; }
.hrw-row:hover { background: rgba(255,255,255,0.06); }
.hrw-row--best { background: rgba(245,166,35,0.07); }
.hrw-hidden { display: none !important; }
.hrw-bank {
  display: flex;
  align-items: center;
  gap: 0.55rem;
  font-size: 0.84rem;
  font-weight: 500;
  color: rgba(255,255,255,0.8);
  flex: 1;
  min-width: 0;
}
.hrw-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  flex-shrink: 0;
}
.hrw-badge {
  font-size: 0.62rem;
  font-weight: 700;
  background: rgba(245,166,35,0.22);
  color: var(--accent-gold);
  padding: 0.12rem 0.45rem;
  border-radius: 50px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  flex-shrink: 0;
}
.hrw-rate {
  font-size: 0.96rem;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.02em;
  min-width: 3.2rem;
  text-align: right;
  flex-shrink: 0;
}
.hrw-row--best .hrw-rate { color: var(--accent-gold); }
.hrw-apply {
  font-size: 0.72rem !important;
  font-weight: 700 !important;
  padding: 0.28rem 0.75rem !important;
  background: var(--secondary) !important;
  color: var(--white) !important;
  border-radius: 50px !important;
  flex-shrink: 0;
  line-height: 1.4;
}
.hrw-apply:hover { background: var(--red) !important; transform: none !important; box-shadow: none !important; }
.hrw-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.85rem 1.4rem;
  border-top: 1px solid rgba(255,255,255,0.1);
  background: rgba(0,0,0,0.15);
  gap: 0.75rem;
  flex-wrap: wrap;
}
.hrw-key-rates {
  display: flex;
  gap: 1rem;
  font-size: 0.74rem;
  color: rgba(255,255,255,0.45);
}
.hrw-key-rates strong { color: rgba(255,255,255,0.8); }
.hrw-green { color: var(--green) !important; }
.hrw-see-all {
  font-size: 0.76rem;
  font-weight: 600;
  color: var(--accent-gold);
  white-space: nowrap;
}
.hrw-see-all:hover { color: var(--white); }

@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; padding: 90px 1.5rem 50px; }
  .hero-rate-widget { display: none; }
}

/* ============================================================
   APPLY SUCCESS SCREEN
   ============================================================ */
.success-state { text-align: center; padding: 2rem 1rem; }
.success-checkmark { margin: 0 auto 1.5rem; display: inline-flex; animation: popIn 0.5s ease; }
@keyframes popIn { 0% { transform: scale(0.5); opacity: 0; } 80% { transform: scale(1.1); } 100% { transform: scale(1); opacity: 1; } }
.success-state h2 { font-size: 1.75rem; font-weight: 800; color: var(--navy); margin-bottom: 0.75rem; }
.success-lead { font-size: 1rem; color: var(--gray-600); margin-bottom: 2rem; }

.success-timeline {
  text-align: left; margin: 0 auto 2rem;
  max-width: 440px; display: flex; flex-direction: column; gap: 0;
}
.stl-item {
  display: flex; align-items: flex-start; gap: 1rem; padding: 0.75rem 0;
  position: relative;
}
.stl-item:not(:last-child)::after {
  content: ''; position: absolute; left: 11px; top: 40px;
  width: 2px; height: calc(100% - 16px);
  background: var(--gray-200);
}
.stl-dot {
  width: 24px; height: 24px; border-radius: 50%; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  background: var(--green); z-index: 1;
}
.stl-dot--pulse {
  background: var(--accent-gold);
  animation: pulseGold 1.5s ease-in-out infinite;
}
@keyframes pulseGold { 0%,100% { box-shadow: 0 0 0 0 rgba(245,166,35,0.4); } 50% { box-shadow: 0 0 0 8px rgba(245,166,35,0); } }
.stl-dot--pending { background: var(--gray-300); }
.stl-content { display: flex; flex-direction: column; }
.stl-content strong { font-size: 0.92rem; color: var(--navy); }
.stl-content span { font-size: 0.8rem; color: var(--gray-500); }
.stl-item--done .stl-dot { background: var(--green); }
.stl-item--active .stl-content strong { color: var(--accent-gold); }

.success-calendly { background: var(--gray-50); border-radius: var(--radius-lg); padding: 1.5rem; margin: 0 auto 1.5rem; max-width: 440px; text-align: left; }
.success-calendly h4 { font-size: 1rem; font-weight: 700; margin-bottom: 0.4rem; color: var(--navy); }
.success-calendly p { font-size: 0.88rem; color: var(--gray-600); margin-bottom: 1rem; }
.calendly-placeholder-inner { display: flex; align-items: center; gap: 1rem; background: var(--white); border: 1.5px dashed var(--gray-300); border-radius: var(--radius-md); padding: 1rem 1.25rem; }
.cp-icon { font-size: 1.8rem; }
.cp-text { flex: 1; display: flex; flex-direction: column; }
.cp-text strong { font-size: 0.92rem; color: var(--navy); }
.cp-text span { font-size: 0.78rem; color: var(--gray-500); }

.success-summary { background: var(--white); border: 1.5px solid var(--gray-200); border-radius: var(--radius-lg); padding: 1.5rem; margin: 0 auto 1.5rem; max-width: 440px; text-align: left; }
.success-summary h4 { font-size: 0.95rem; font-weight: 700; color: var(--navy); margin-bottom: 1rem; }
.summary-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem; }
.summary-item { display: flex; flex-direction: column; }
.summary-item span { font-size: 0.75rem; color: var(--gray-500); }
.summary-item strong { font-size: 0.88rem; color: var(--navy); }

.success-next { margin-top: 1.5rem; }
.success-next h4 { font-size: 0.9rem; color: var(--gray-600); margin-bottom: 0.75rem; }
.success-links { display: flex; gap: 0.75rem; justify-content: center; flex-wrap: wrap; }
.success-link { padding: 0.6rem 1.1rem; background: var(--gray-50); border: 1.5px solid var(--gray-200); border-radius: 10px; font-size: 0.85rem; font-weight: 600; color: var(--navy); transition: all var(--transition); }
.success-link:hover { background: var(--navy); color: var(--white); border-color: var(--navy); }

/* ============================================================
   RENEWAL SAVINGS WIDGET (Homepage)
   ============================================================ */
.renewal-savings-section {
  background: var(--navy);
  padding: 5rem 0;
}
.renewal-savings-inner {
  display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center;
}
.rss-content h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); font-weight: 800; color: var(--white); margin-bottom: 1rem; }
.rss-content p { color: rgba(255,255,255,0.7); font-size: 1rem; line-height: 1.6; margin-bottom: 2rem; }
.rss-proof { display: flex; flex-direction: column; gap: 0.75rem; }
.rss-proof-item { display: flex; align-items: center; gap: 0.75rem; color: rgba(255,255,255,0.8); font-size: 0.9rem; }
.rss-proof-item svg { flex-shrink: 0; }
.rss-card {
  background: var(--white); border-radius: 20px; padding: 2rem;
  box-shadow: 0 24px 64px rgba(0,0,0,0.25);
}
.rss-card h3 { font-size: 1.1rem; font-weight: 700; color: var(--navy); margin-bottom: 1.5rem; }
.rss-field { margin-bottom: 1rem; }
.rss-field label { display: block; font-size: 0.82rem; font-weight: 600; color: var(--gray-600); margin-bottom: 0.4rem; }
.rss-field .input-wrapper { border: 1.5px solid var(--gray-200); border-radius: 10px; overflow: hidden; display: flex; align-items: center; }
.rss-field .input-prefix, .rss-field .input-suffix { position: static; padding: 0 0.75rem; background: var(--gray-50); font-size: 0.88rem; color: var(--gray-500); font-weight: 600; align-self: stretch; display: flex; align-items: center; }
.rss-field .input-prefix { border-right: 1.5px solid var(--gray-200); }
.rss-field .input-suffix { border-left: 1.5px solid var(--gray-200); }
.rss-field input, .rss-field select { border: none; outline: none; padding: 0.65rem 0.75rem; font-size: 0.92rem; font-family: inherit; flex: 1; min-width: 0; }
.rss-result { background: linear-gradient(135deg, #00883A, #006B2C); border-radius: 12px; padding: 1.25rem; margin-top: 1.25rem; text-align: center; }
.rss-result-label { font-size: 0.82rem; color: rgba(255,255,255,0.8); font-weight: 600; text-transform: uppercase; letter-spacing: 0.06em; }
.rss-result-amount { font-size: 2.2rem; font-weight: 900; color: var(--white); line-height: 1.1; margin: 0.25rem 0; }
.rss-result-sub { font-size: 0.8rem; color: rgba(255,255,255,0.7); }
.rss-cta { display: flex; gap: 0.75rem; margin-top: 1rem; }
.rss-cta a { flex: 1; text-align: center; }
@media (max-width: 860px) { .renewal-savings-inner { grid-template-columns: 1fr; gap: 2rem; } }

/* ============================================================
   SIDE-BY-SIDE COMPARISON (rates.html)
   ============================================================ */
.compare-checkbox { width: 18px; height: 18px; accent-color: var(--red); cursor: pointer; }
.compare-bar {
  position: fixed; bottom: 0; left: 0; right: 0; z-index: 1000;
  background: var(--navy); color: var(--white);
  transform: translateY(100%); transition: transform 0.3s ease;
  box-shadow: 0 -4px 24px rgba(0,0,0,0.2);
}
.compare-bar.visible { transform: translateY(0); }
.compare-bar-inner { max-width: 1180px; margin: 0 auto; padding: 1rem 1.5rem; display: flex; align-items: center; gap: 1.5rem; }
.compare-slots { display: flex; gap: 0.75rem; flex: 1; flex-wrap: wrap; }
.compare-slot {
  background: rgba(255,255,255,0.08); border: 1.5px solid rgba(255,255,255,0.2);
  border-radius: 10px; padding: 0.5rem 1rem; font-size: 0.85rem; min-width: 160px;
  display: flex; align-items: center; justify-content: space-between; gap: 0.5rem;
}
.compare-slot-empty { color: rgba(255,255,255,0.4); font-style: italic; }
.compare-slot-remove { cursor: pointer; color: rgba(255,255,255,0.5); font-size: 1rem; line-height: 1; }
.compare-slot-remove:hover { color: var(--white); }
.compare-actions { display: flex; gap: 0.75rem; flex-shrink: 0; }
.compare-count { font-size: 0.82rem; color: rgba(255,255,255,0.6); }

.comparison-modal {
  position: fixed; inset: 0; z-index: 2000;
  background: rgba(5,11,42,0.7); backdrop-filter: blur(6px);
  display: flex; align-items: center; justify-content: center; padding: 1.5rem;
  opacity: 0; pointer-events: none; transition: opacity 0.3s;
}
.comparison-modal.active { opacity: 1; pointer-events: all; }
.comparison-modal-inner {
  background: var(--white); border-radius: 20px; max-width: 900px; width: 100%;
  max-height: 90vh; overflow-y: auto; padding: 2rem;
}
.comparison-modal-header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 1.5rem; }
.comparison-modal-header h3 { font-size: 1.3rem; font-weight: 800; color: var(--navy); }
.comparison-close { font-size: 1.5rem; cursor: pointer; color: var(--gray-500); background: none; border: none; line-height: 1; padding: 4px; border-radius: 8px; }
.comparison-close:hover { background: var(--gray-100); color: var(--navy); }
.comparison-table { width: 100%; border-collapse: collapse; }
.comparison-table th { background: var(--gray-50); padding: 0.75rem 1rem; text-align: left; font-size: 0.8rem; font-weight: 700; color: var(--gray-500); text-transform: uppercase; letter-spacing: 0.06em; }
.comparison-table td { padding: 0.85rem 1rem; border-bottom: 1px solid var(--gray-100); font-size: 0.9rem; }
.comparison-table tr:last-child td { border-bottom: none; }
.comparison-table td:first-child { font-weight: 600; color: var(--gray-600); }
.comparison-winner { color: var(--green); font-weight: 700; }
.comparison-cta-row { display: flex; gap: 1rem; margin-top: 1.5rem; justify-content: center; flex-wrap: wrap; }

/* ============================================================
   PENALTY / IRD CALCULATOR
   ============================================================ */
.penalty-result-box { background: var(--gray-50); border-radius: var(--radius-lg); padding: 1.5rem; margin-top: 1rem; border: 1.5px solid var(--gray-200); }
.penalty-result-box.penalty-warning { border-color: var(--accent-gold); background: rgba(245,166,35,0.06); }
.penalty-verdict { font-size: 0.88rem; color: var(--gray-600); margin-top: 0.75rem; line-height: 1.5; padding: 0.75rem; background: var(--white); border-radius: 8px; }
.penalty-verdict strong { color: var(--green); }
.penalty-verdict.losing strong { color: var(--red); }

/* ============================================================
   RENT VS BUY — stacked layout
   ============================================================ */
.calc-wrapper--stacked {
  grid-template-columns: 1fr;
  gap: 1.25rem;
}
.calc-wrapper--stacked .rb-header h3 { margin-bottom: 0.25rem; }
.calc-wrapper--stacked .rb-header p { font-size: 0.88rem; color: var(--gray-600); margin: 0; }
.rb-inputs-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
  align-items: start;
}
.rb-scenario-col { display: flex; flex-direction: column; gap: 0; }
.rb-scenario-label {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: var(--secondary);
  padding: 0.4rem 0.75rem;
  background: rgba(30,58,138,0.06);
  border-radius: 6px;
  margin-bottom: 0.75rem;
}
.rb-results { width: 100%; }
.rb-results .scenario-result-grid { margin-top: 0; }
.rb-results .scenario-summary { margin-top: 0.75rem; }

/* ============================================================
   ADVANCED ANALYSIS CALCULATORS
   ============================================================ */

/* Break-Even — stacked layout */
.be-header { margin-bottom: 1rem; }
.be-header h3 { margin-bottom: 0.25rem; }
.be-header p { font-size: 0.88rem; color: var(--gray-600); margin: 0; }
.be-inputs-row {
  display: grid;
  grid-template-columns: 1.4fr 1.3fr 1.3fr 0.85fr 0.95fr;
  gap: 1rem;
  align-items: start;
  padding: 1rem 1.25rem;
  background: var(--off-white);
  border-radius: 10px;
  border: 1px solid var(--border);
  margin-bottom: 1.25rem;
}
.be-inputs-row .calc-field label { display: block; min-height: 1.25rem; }
.be-results { width: 100%; }

/* Break-Even Table */
.be-table { width: 100%; border-collapse: collapse; font-size: 0.84rem; margin-top: 0; border-radius: 10px; overflow: hidden; }
.be-table thead th { background: var(--navy); color: #fff; padding: 0.55rem 0.9rem; text-align: left; font-size: 0.7rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; white-space: nowrap; }
.be-table td { padding: 0.5rem 0.9rem; border-bottom: 1px solid var(--border); white-space: nowrap; }
.be-row--variable { border-left: 3px solid var(--green); }
.be-row--fixed { border-left: 3px solid var(--secondary); }
.be-winner--var { color: var(--green); font-weight: 600; }
.be-winner--fix { color: var(--secondary); font-weight: 600; }
.be-row--breakeven td { background: rgba(161,98,7,0.07); font-weight: 600; }

/* Break-Even Summary Metrics */
.be-summary-card { display: flex; gap: 0.75rem; margin-bottom: 1rem; }
.be-metric { flex: 1; background: var(--off-white); border-radius: 10px; padding: 0.75rem 1rem; border: 1px solid var(--border); }
.be-metric-label { display: block; font-size: 0.65rem; color: var(--gray-600); text-transform: uppercase; letter-spacing: 0.07em; margin-bottom: 0.3rem; font-weight: 600; }
.be-metric-value { font-size: 1.1rem; font-weight: 700; color: var(--navy); white-space: nowrap; }
.be-metric-value.be-green { color: var(--green); }
.be-metric-value.be-red { color: #DC2626; }

/* Smith Manoeuvre Net Gain Card */
.sm-net-gain-card { background: var(--navy); color: #fff; border-radius: 12px; padding: 1.25rem 1.5rem; text-align: center; }
.sm-net-gain-card .sm-gain-label { font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.08em; color: rgba(255,255,255,0.65); margin-bottom: 0.25rem; }
.sm-net-gain-card .sm-gain-value { font-size: 2rem; font-weight: 800; color: #34D399; line-height: 1.1; }
.sm-net-gain-card .sm-gain-sub { font-size: 0.8rem; color: rgba(255,255,255,0.6); margin-top: 0.25rem; }

/* Condo Cash Flow Card */
.condo-cashflow-card { border-radius: 12px; padding: 1.25rem 1.5rem; text-align: center; border: 2px solid var(--border); }
.condo-cashflow-card.cf-negative { border-color: #DC2626; background: rgba(220,38,38,0.04); }
.condo-cashflow-card.cf-positive { border-color: var(--green); background: rgba(16,185,129,0.04); }
.condo-cashflow-card .cf-label { font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.08em; color: var(--gray-600); margin-bottom: 0.2rem; font-weight: 600; }
.condo-cashflow-card .cf-value { font-size: 2rem; font-weight: 800; line-height: 1.1; }
.condo-cashflow-card.cf-negative .cf-value { color: #DC2626; }
.condo-cashflow-card.cf-positive .cf-value { color: var(--green); }
.condo-cashflow-card .cf-sub { font-size: 0.8rem; color: var(--gray-600); margin-top: 0.25rem; }

/* ============================================================
   VARIABLE vs FIXED MODELLER
   ============================================================ */
.scenario-result-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-top: 1rem; }
.scenario-card { border-radius: var(--radius-md); padding: 1.25rem; border: 2px solid var(--gray-200); }
.scenario-card.scenario-winner { border-color: var(--green); background: rgba(0,136,58,0.04); }
.scenario-card h4 { font-size: 0.85rem; font-weight: 700; color: var(--gray-600); margin-bottom: 0.5rem; text-transform: uppercase; letter-spacing: 0.05em; }
.scenario-card .sc-rate { font-size: 1.8rem; font-weight: 900; color: var(--navy); }
.scenario-card .sc-label { font-size: 0.78rem; color: var(--gray-500); margin-bottom: 0.75rem; }
.scenario-card .sc-rows { display: flex; flex-direction: column; gap: 0.4rem; }
.scenario-card .sc-row { display: flex; justify-content: space-between; font-size: 0.82rem; }
.scenario-card .sc-row span { color: var(--gray-600); }
.scenario-card .sc-row strong { color: var(--navy); }
.scenario-winner-badge { display: inline-block; background: var(--green); color: #fff; font-size: 0.7rem; font-weight: 800; padding: 0.2rem 0.6rem; border-radius: 20px; margin-bottom: 0.5rem; }
.boc-cuts-slider { width: 100%; accent-color: var(--red); }
.scenario-summary { background: var(--gray-50); border-radius: var(--radius-md); padding: 1rem; margin-top: 1rem; font-size: 0.88rem; color: var(--gray-600); line-height: 1.6; }
.scenario-summary strong { color: var(--navy); }

/* ============================================================
   MORTGAGE HEALTH SCORE
   ============================================================ */
.health-score-page { background: var(--gray-50); min-height: 60vh; }
.health-quiz-section { padding: 4rem 0; }
.health-quiz-card { max-width: 680px; margin: 0 auto; background: var(--white); border-radius: 20px; box-shadow: var(--shadow-md); overflow: hidden; }
.health-quiz-header { background: var(--navy); padding: 2rem; color: var(--white); text-align: center; }
.health-quiz-header h2 { font-size: 1.4rem; font-weight: 800; margin-bottom: 0.5rem; }
.health-quiz-header p { color: rgba(255,255,255,0.7); font-size: 0.9rem; }
.health-quiz-body { padding: 2rem; }
.health-q { margin-bottom: 1.75rem; }
.health-q label { font-size: 0.92rem; font-weight: 700; color: var(--navy); display: block; margin-bottom: 0.75rem; }
.health-options { display: grid; grid-template-columns: 1fr 1fr; gap: 0.6rem; }
.health-option {
  padding: 0.75rem 1rem; border: 1.5px solid var(--gray-200);
  border-radius: 10px; cursor: pointer; font-size: 0.85rem; font-weight: 600;
  color: var(--navy); background: var(--white); transition: all var(--transition);
  text-align: left;
}
.health-option:hover { border-color: var(--red); color: var(--red); }
.health-option.selected { border-color: var(--red); background: rgba(30,58,138,0.06); color: var(--red); }
.health-progress-bar { height: 4px; background: var(--gray-200); border-radius: 2px; margin-bottom: 2rem; }
.health-progress-fill { height: 100%; background: var(--secondary); border-radius: 2px; transition: width 0.4s ease; }
.health-nav { display: flex; justify-content: space-between; align-items: center; margin-top: 2rem; }
.health-step-indicator { font-size: 0.82rem; color: var(--gray-500); }

.health-score-result { padding: 2.5rem; text-align: center; display: none; }
.health-score-result.visible { display: block; }
.score-ring-wrap { position: relative; display: inline-block; margin-bottom: 1.5rem; }
.score-ring-wrap svg { transform: rotate(-90deg); }
.score-center { position: absolute; inset: 0; display: flex; flex-direction: column; align-items: center; justify-content: center; }
.score-number { font-size: 2.5rem; font-weight: 900; color: var(--navy); line-height: 1; }
.score-label { font-size: 0.75rem; color: var(--gray-500); font-weight: 600; text-transform: uppercase; letter-spacing: 0.06em; }
.score-grade { font-size: 1.4rem; font-weight: 800; margin-bottom: 0.5rem; }
.score-grade.excellent { color: var(--green); }
.score-grade.good { color: #2E86AB; }
.score-grade.fair { color: var(--accent-gold); }
.score-grade.poor { color: var(--red); }
.score-recommendations { text-align: left; margin: 2rem 0; }
.score-rec-item { display: flex; gap: 0.75rem; padding: 0.85rem; border-radius: 10px; margin-bottom: 0.75rem; }
.score-rec-item.rec-positive { background: rgba(0,136,58,0.06); border-left: 3px solid var(--green); }
.score-rec-item.rec-warning { background: rgba(245,166,35,0.06); border-left: 3px solid var(--accent-gold); }
.score-rec-item.rec-action { background: rgba(161,98,7,0.06); border-left: 3px solid var(--red); }
.score-rec-icon { font-size: 1.1rem; flex-shrink: 0; }
.score-rec-text strong { display: block; font-size: 0.88rem; color: var(--navy); margin-bottom: 0.2rem; }
.score-rec-text span { font-size: 0.8rem; color: var(--gray-600); }
.health-email-gate { background: var(--gray-50); border-radius: var(--radius-md); padding: 1.5rem; margin-top: 1.5rem; }
.health-email-gate h4 { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 0.5rem; }
.health-email-gate p { font-size: 0.85rem; color: var(--gray-600); margin-bottom: 1rem; }
.health-email-row { display: flex; gap: 0.75rem; }
.health-email-row input { flex: 1; padding: 0.7rem 1rem; border: 1.5px solid var(--gray-200); border-radius: 10px; font-size: 0.9rem; font-family: inherit; }
@media (max-width: 600px) {
  .health-options { grid-template-columns: 1fr; }
  .scenario-result-grid { grid-template-columns: 1fr; }
  .rb-inputs-grid { grid-template-columns: 1fr; }
  .health-email-row { flex-direction: column; }
  .summary-grid { grid-template-columns: 1fr; }
}

/* ============================================================
   LENDER PROFILE PAGES
   ============================================================ */
.lender-profile-hero { background: var(--white); border-bottom: 1px solid var(--gray-200); padding: 3rem 0; }
.lender-profile-header { display: flex; align-items: center; gap: 2rem; }
.lender-logo-badge { width: 80px; height: 80px; border-radius: 16px; display: flex; align-items: center; justify-content: center; font-size: 2rem; font-weight: 900; color: var(--white); flex-shrink: 0; }
.lender-profile-meta h1 { font-size: 1.8rem; font-weight: 800; color: var(--navy); margin-bottom: 0.25rem; }
.lender-profile-meta p { color: var(--gray-600); margin-bottom: 0.75rem; }
/* align-items:center stops a chip stretching to the tallest item in the row,
   which is what made these read as oversized bubbles. */
.lender-badges { display: flex; align-items: center; gap: 0.45rem; flex-wrap: wrap; }
.lender-badge {
  display: inline-flex;
  align-items: center;
  padding: 0.28rem 0.7rem;
  border-radius: 999px;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.01em;
  line-height: 1.35;
  white-space: nowrap;
  background: var(--gray-100);
  color: var(--gray-600);
}
.lender-badge.green { background: rgba(0,136,58,0.1); color: var(--green); }

/* The notice is a sibling of the chips, not one of them: give it its own row. */
.lender-nonaffil-notice { display: block; width: fit-content; max-width: 100%; }
.lender-profile-layout { display: grid; grid-template-columns: 1fr 300px; gap: 2.5rem; align-items: start; padding: 3rem 0; }
.lender-rate-table { width: 100%; border-collapse: collapse; margin-bottom: 1.5rem; }
.lender-rate-table th { background: var(--gray-50); padding: 0.75rem 1rem; text-align: left; font-size: 0.8rem; font-weight: 700; color: var(--gray-500); text-transform: uppercase; }
.lender-rate-table td { padding: 0.85rem 1rem; border-bottom: 1px solid var(--gray-100); font-size: 0.9rem; }
.lender-pros-cons { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; margin-top: 1.5rem; }
.lender-pros, .lender-cons { padding: 1.25rem; border-radius: var(--radius-md); }
.lender-pros { background: rgba(0,136,58,0.06); border: 1px solid rgba(0,136,58,0.15); }
.lender-cons { background: rgba(15,23,42,0.03); border: 1px solid var(--border); }
.lender-pros h4 { color: var(--green); font-size: 0.88rem; font-weight: 700; margin-bottom: 0.75rem; }
.lender-cons h4 { color: var(--red); font-size: 0.88rem; font-weight: 700; margin-bottom: 0.75rem; }
.lender-pros ul, .lender-cons ul { list-style: none; display: flex; flex-direction: column; gap: 0.5rem; }
.lender-pros li::before { content: '✓ '; color: var(--green); font-weight: 700; }
.lender-cons li::before { content: '✕ '; color: var(--red); font-weight: 700; }
.lender-pros li, .lender-cons li { font-size: 0.85rem; color: var(--gray-700); }
@media (max-width: 860px) { .lender-profile-layout { grid-template-columns: 1fr; } .lender-pros-cons { grid-template-columns: 1fr; } }

/* ── Lender hero: fix text + badge contrast on dark background ─────────────── */
.page-hero .lender-profile-meta h1 { color: #fff; }
.page-hero .lender-profile-meta p { color: rgba(255,255,255,0.84); }
.page-hero .breadcrumb a { color: rgba(255,255,255,0.62); }
.page-hero .breadcrumb span { color: rgba(255,255,255,0.32); }
.page-hero .lender-badge { background: rgba(255,255,255,0.1); color: rgba(255,255,255,0.9); border: 1px solid rgba(255,255,255,0.18); }
.page-hero .lender-badge.green { background: rgba(46,160,100,0.2); color: #6EE7A8; border-color: rgba(46,160,100,0.4); }

/* ── Lender logo card — white container so logo pops on any hero ───────────── */
.lender-logo-card { background: #fff; border-radius: 14px; padding: 10px; width: 88px; height: 88px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; box-shadow: 0 4px 24px rgba(0,0,0,0.22), 0 1px 4px rgba(0,0,0,0.12); }
.lender-logo-card img { max-width: 68px; max-height: 68px; width: auto; height: auto; object-fit: contain; display: block; border-radius: 4px; }

/* ── Text-only lender logo (replaces proprietary img logos) ─────────────────── */
/* Lender identity badge.
   Bank logos were deliberately removed in April as a compliance measure --
   reproducing a registered mark can imply endorsement in a way naming the
   lender does not. This gives the card a real identity without the trademark:
   a monogram over the name, tinted by lender category rather than by the
   lender's own brand colours. Category tints match CATEGORY_COLORS in main.js,
   which is also what the anonymised rate table uses. */
.lender-logo-text-card {
  flex-direction: column;
  justify-content: center;
  gap: 2px;
  width: 96px;
  min-width: 96px;
  max-width: 96px;
  height: auto;
  min-height: 96px;
  padding: 12px 8px;
  --cat: #64748B;
  border-top: 3px solid var(--cat);
}
.lender-monogram {
  font-family: 'DM Serif Display', Georgia, serif;
  font-size: 1.85rem;
  line-height: 1;
  font-weight: 400;
  color: var(--cat);
  letter-spacing: -0.02em;
  margin-bottom: 2px;
}
.lender-name-badge { font-size: 0.68rem; font-weight: 700; color: var(--navy); text-align: center; line-height: 1.15; }
.lender-type-badge { font-size: 0.52rem; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: var(--gray-400); text-align: center; margin-top: 1px; }

/* Category tints. One variable drives the monogram and the top rule. */
.lender-cat-bigbank     { --cat: #1E3A8A; }
.lender-cat-creditunion { --cat: #0F6367; }
.lender-cat-monoline    { --cat: #A16207; }
.lender-cat-digital     { --cat: #6C3483; }


/* ── Non-affiliation hero notice ─────────────────────────────────────────────── */
.lender-nonaffil-notice { font-size: 0.72rem; color: rgba(255,255,255,0.7); background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.15); border-radius: 6px; padding: 0.4rem 0.85rem; margin-top: 0.85rem; display: inline-block; }

/* ── Comparison-only shield disclaimer ──────────────────────────────────────── */
.lender-comparison-shield { display: flex; align-items: flex-start; gap: 0.75rem; background: #F0F9FF; border: 1px solid #BAE6FD; border-radius: 10px; padding: 1rem 1.25rem; margin: 1rem 0 1.5rem; }
.lender-comparison-shield svg { color: #0369A1; margin-top: 1px; }
.lender-comparison-shield p { font-size: 0.8rem; color: #0C4A6E; line-height: 1.6; margin: 0; }

/* ── Data freshness disclaimer ───────────────────────────────────────────────── */
.lender-rate-freshness { font-size: 0.75rem; color: var(--gray-400); margin-bottom: 2rem; line-height: 1.5; }

/* ── Article publish date ──────────────────────────────────────────────────── */
.article-publish-date {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.55);
  margin-top: 0.5rem;
  margin-bottom: 0.25rem;
  letter-spacing: 0.01em;
}

/* ── AI Disclaimer ─────────────────────────────────────────────────────────── */
.ai-disclaimer {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  background: #F8FAFC;
  border: 1px solid #E2E8F0;
  border-left: 3px solid #94A3B8;
  border-radius: 6px;
  padding: 0.85rem 1rem;
  margin-top: 2rem;
  font-size: 0.78rem;
  color: #64748B;
  line-height: 1.6;
}
.ai-disclaimer svg { flex-shrink: 0; margin-top: 1px; color: #94A3B8; }

/* ── Hidden SEO links in calculator sidebar ────────────────── */
.calc-nav-links { display: none; }

/* ── Solo calculator page (individual calc pages) ─────────── */
.calc-solo-wrap { max-width: 900px; margin: 0 auto; }
.calc-solo-wrap .calc-panel { display: block !important; }

/* ── Related Articles ──────────────────────────────────────── */
.related-articles { margin: 2.5rem 0; }
.related-articles-heading { font-size: 1.1rem; font-weight: 700; color: var(--foreground); margin-bottom: 1rem; padding-bottom: 0.5rem; border-bottom: 2px solid var(--border); }
.related-articles-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
@media (max-width: 768px) { .related-articles-grid { grid-template-columns: 1fr; } }
.related-article-card { display: flex; flex-direction: column; justify-content: space-between; gap: 0.75rem; padding: 1.1rem 1.1rem 0.9rem; background: var(--bg); border: 1px solid var(--border); border-radius: 12px; text-decoration: none; color: var(--foreground); transition: border-color 0.15s, box-shadow 0.15s, transform 0.15s; }
.related-article-card:hover { border-color: var(--secondary); box-shadow: 0 4px 16px rgba(30,58,138,0.10); transform: translateY(-2px); }
.related-article-label { font-size: 0.7rem; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: var(--secondary); }
.related-article-title { font-size: 0.88rem; font-weight: 600; line-height: 1.45; color: var(--foreground); flex: 1; }
.related-article-arrow { font-size: 0.8rem; color: var(--secondary); font-weight: 600; }

/* ============================================================
   Frontend Design Enhancement — Motion, Texture, Typography
   ============================================================ */

/* Staggered page-load reveals */
@keyframes fd-fade-up {
  from { opacity: 0; transform: translateY(14px); }
  to   { opacity: 1; transform: none; }
}
.fd-reveal { animation: fd-fade-up 0.65s cubic-bezier(0.16, 1, 0.3, 1) both; }
.fd-d1 { animation-delay: 0.08s; }
.fd-d2 { animation-delay: 0.18s; }
.fd-d3 { animation-delay: 0.28s; }
.fd-d4 { animation-delay: 0.40s; }
.fd-d5 { animation-delay: 0.52s; }

/* JetBrains Mono for all numeric/rate data site-wide */
.rate-tab-rate, .rate-cell-value, .best-rate-value,
.calc-result .result-amount, .hero-stat-value,
.rate-ticker .ticker-rate, .rate-badge {
  font-family: 'JetBrains Mono', 'Courier New', monospace !important;
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.02em;
}

/* Subtle parchment noise texture for section backgrounds */
.fd-texture {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='300' height='300'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='300' height='300' filter='url(%23n)' opacity='0.03'/%3E%3C/svg%3E");
}

/* Topographic line accent — subtle horizontal rules */
.fd-topo {
  background-image: repeating-linear-gradient(
    0deg,
    transparent,
    transparent 47px,
    rgba(11,29,58,0.035) 47px,
    rgba(11,29,58,0.035) 48px
  );
}

/* Button font */
.btn, .btn-primary, .btn-hero-primary, .btn-primary-nav {
  font-family: 'Plus Jakarta Sans', 'Inter', system-ui, sans-serif;
  letter-spacing: 0.01em;
}

/* ============================================================
   MOBILE RESPONSIVENESS — Comprehensive Fixes
   ============================================================ */

/* ── Rates table: scroll hint + touch feedback ─────────────── */
.rates-table-wrapper {
  -webkit-overflow-scrolling: touch;
  scroll-snap-type: x mandatory;
  position: relative;
}
/* Compact condition columns on all screens */
.rates-table th:nth-child(n+8):nth-child(-n+11),
.rates-table td:nth-child(n+8):nth-child(-n+11) {
  padding-left: 0.6rem;
  padding-right: 0.6rem;
  font-size: 0.8rem;
}

@media (max-width: 1024px) {
  /* Tablet: hide Penalty, Min.Credit, Prepay — keep Portable */
  .rates-table th:nth-child(9),
  .rates-table td:nth-child(9),
  .rates-table th:nth-child(10),
  .rates-table td:nth-child(10),
  .rates-table th:nth-child(11),
  .rates-table td:nth-child(11) { display: none; }
}

@media (max-width: 768px) {
  /* Slightly reduce column padding so more fits before scroll */
  .rates-table thead th,
  .rates-table tbody td { padding: 0.65rem 0.6rem; font-size: 0.8rem; }
  /* Hide APR(7) and all condition columns(8-11) on mobile */
  .rates-table th:nth-child(7),
  .rates-table td:nth-child(7),
  .rates-table th:nth-child(8),
  .rates-table td:nth-child(8),
  .rates-table th:nth-child(9),
  .rates-table td:nth-child(9),
  .rates-table th:nth-child(10),
  .rates-table td:nth-child(10),
  .rates-table th:nth-child(11),
  .rates-table td:nth-child(11) { display: none; }
  /* Also hide Type column — redundant on small screens */
  .rates-table th:nth-child(4),
  .rates-table td:nth-child(4) { display: none; }
}

/* ── Product hero stat cards ──────────────────────────────── */
@media (max-width: 768px) {
  .product-hero-stats { flex-wrap: wrap; gap: 1rem; }
  .product-hero-stat-card { min-width: 0; flex: 1 1 calc(50% - 0.5rem); }
}
@media (max-width: 480px) {
  .product-hero-stat-card { flex: 1 1 100%; }
}

/* ── Timeline horizontal: no overflow on mobile ───────────── */
@media (max-width: 768px) {
  .timeline-item { min-width: 0; width: 100%; }
}

/* ── Input percentage fields ──────────────────────────────── */
@media (max-width: 480px) {
  .input-pct { width: 100%; max-width: 100%; }
}

/* ── Calculator layout ─────────────────────────────────────── */
@media (max-width: 480px) {
  .calc-input-row { flex-wrap: wrap; }
  .input-pct, .input-dollar { width: 100%; max-width: 100%; }
}

/* ── Article TOC: collapse to hidden on mobile ────────────── */
@media (max-width: 768px) {
  .article-layout { grid-template-columns: 1fr; gap: 2rem; }
  .article-toc { display: none; }
}

/* ── Lender profile header: stack on small phones ─────────── */
@media (max-width: 480px) {
  .lender-profile-header { flex-direction: column; align-items: flex-start; gap: 1rem; }
  .lender-rate-table th, .lender-rate-table td { padding: 0.6rem 0.75rem; font-size: 0.82rem; }
}

/* ── Newsletter card ──────────────────────────────────────── */
@media (max-width: 600px) {
  .newsletter-card { padding: 1.75rem 1.25rem; }
  .newsletter-form { flex-direction: column; }
  .newsletter-form input, .newsletter-form .btn { width: 100%; }
}

/* ── Page hero: reduce padding on smallest phones ─────────── */
@media (max-width: 480px) {
  .lender-profile-header { gap: 0.75rem; }
  .page-hero .container { padding-left: 1rem; padding-right: 1rem; }
}

/* ── Rate comparison table (lender pages) ─────────────────── */
@media (max-width: 600px) {
  .lender-rate-table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; }
}

/* ── Apply form: ensure buttons fill width on mobile ──────── */
@media (max-width: 480px) {
  .form-step-actions { flex-direction: column; gap: 0.75rem; }
  .form-step-actions .btn { width: 100%; text-align: center; }
}

/* ── Nav lender logo sizing in mobile menu ────────────────── */
@media (max-width: 1024px) {
  .nav-lender-logo { width: 18px; height: 18px; }
}

/* ── Rate IQ / Loan Sentinel sidebar tools ────────────────── */
@media (max-width: 768px) {
  .tool-layout, .sentinel-layout, .monitor-layout { grid-template-columns: 1fr; }
}

/* ── Hero CTA buttons: stack on very small phones ─────────── */
@media (max-width: 420px) {
  .hero-cta { flex-direction: column; align-items: stretch; }
  .hero-cta .btn { text-align: center; }
}

/* ── Prevent any element from breaking layout ─────────────── */
img, video, iframe, table { max-width: 100%; }
.comparison-table-wrap,
.amort-table-wrap,
.lender-rate-table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; }

/* ── Editorial Platform Additions (2026-07) ───────────────── */

/* Footer disclaimer & tagline */
.footer-disclaimer { font-size: 0.72rem; color: rgba(255,255,255,0.45); line-height: 1.5; margin-top: 0.75rem; max-width: 280px; }
.footer-tagline { font-size: 0.82rem; color: rgba(255,255,255,0.6); margin-top: 0.25rem; }

/* New editorial footer layout */
.site-footer { background: var(--navy); color: rgba(255,255,255,0.7); padding: 3rem 0 1.5rem; }
.site-footer .footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 2rem; margin-bottom: 2rem; }
.site-footer .footer-logo { font-size: 1.55rem; font-weight: 800; color: #fff; margin-bottom: 0.5rem; letter-spacing: -0.03em; }
.site-footer .footer-col-title { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: rgba(255,255,255,0.5); margin-bottom: 0.75rem; }
.site-footer .footer-col ul { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 0.4rem; }
.site-footer .footer-col ul li a { font-size: 0.85rem; color: rgba(255,255,255,0.65); text-decoration: none; }
.site-footer .footer-col ul li a:hover { color: #fff; }
.site-footer .footer-bottom { border-top: 1px solid rgba(255,255,255,0.08); padding-top: 1.25rem; font-size: 0.75rem; color: rgba(255,255,255,0.4); display: flex; flex-direction: column; gap: 0.4rem; }
.site-footer .footer-copy { color: rgba(255,255,255,0.35); }
.site-footer .footer-copy a { color: rgba(255,255,255,0.45); text-decoration: none; }
.site-footer .footer-copy a:hover { color: rgba(255,255,255,0.7); }
@media (max-width: 768px) {
  .site-footer .footer-grid { grid-template-columns: 1fr 1fr; }
  .site-footer .footer-brand { grid-column: 1 / -1; }
}
@media (max-width: 480px) {
  .site-footer .footer-grid { grid-template-columns: 1fr; }
}

/* ── Market Snapshot ─────────────────────────────────── */
.market-snapshot { background: var(--navy); padding: 1.5rem 0; border-bottom: 1px solid rgba(255,255,255,0.08); }
.snapshot-label { font-size: 0.72rem; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: rgba(255,255,255,0.45); margin-bottom: 0.75rem; }
.snapshot-source { color: rgba(255,255,255,0.3); }
.snapshot-items { display: flex; gap: 2rem; flex-wrap: wrap; }
.snapshot-item { display: flex; flex-direction: column; gap: 0.2rem; }
.snapshot-val { font-size: 1.5rem; font-weight: 700; color: #fff; }
.snapshot-lbl { font-size: 0.72rem; color: rgba(255,255,255,0.5); }
.snapshot-note { font-size: 0.68rem; color: rgba(255,255,255,0.35); margin-top: 0.75rem; max-width: 680px; }

/* ── Rate editorial disclaimer ────────────────────────── */
.rate-editorial-disclaimer { background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 6px; padding: 1rem 1.25rem; font-size: 0.78rem; color: #475569; line-height: 1.6; margin-top: 1.5rem; }

/* ── Article legal disclaimer ─────────────────────────── */
.article-legal-disclaimer { background: #f1f5f9; border-left: 3px solid #94a3b8; padding: 0.875rem 1rem; font-size: 0.8rem; color: #64748b; margin: 2rem 0 1rem; border-radius: 0 4px 4px 0; }
.article-footnote { font-size: 0.72rem; color: #94a3b8; margin-top: 1.25rem; padding-top: 1rem; border-top: 1px solid #e2e8f0; text-align: center; font-style: italic; line-height: 1.6; }

/* ── Article reviewer credential (E-E-A-T) ────────────── */
.article-reviewer { margin-top: 3rem; padding: 1rem 1.25rem; background: #f8fafc; border: 1px solid #e2e8f0; border-left: 3px solid var(--secondary); border-radius: 0 4px 4px 0; }
.article-reviewer .reviewer-label { font-size: 0.68rem; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: #94a3b8; margin-bottom: 0.35rem; }
.article-reviewer .reviewer-name { font-size: 0.95rem; font-weight: 650; color: var(--navy); line-height: 1.3; }
.article-reviewer .reviewer-licence { display: inline-block; font-size: 0.68rem; font-weight: 600; letter-spacing: 0.02em; color: var(--secondary); background: rgba(30, 58, 138, 0.07); border: 1px solid rgba(30, 58, 138, 0.18); border-radius: 3px; padding: 0.1rem 0.4rem; margin-left: 0.4rem; vertical-align: 1px; white-space: nowrap; }
.article-reviewer .reviewer-credentials { font-size: 0.78rem; color: #64748b; margin-top: 0.15rem; line-height: 1.5; }

/* ── Calculator disclaimer ────────────────────────────── */
.calc-disclaimer { font-size: 0.75rem; color: #64748b; background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 4px; padding: 0.625rem 0.875rem; margin-top: 0.75rem; line-height: 1.5; }

/* ── Newsletter section ───────────────────────────────── */
.newsletter-section { background: var(--secondary); padding: 4rem 0; color: #fff; }
.newsletter-section h3 { font-size: 1.5rem; margin-bottom: 0.5rem; }
.newsletter-section p { opacity: 0.8; margin-bottom: 1.5rem; }
.newsletter-form { display: flex; flex-direction: column; gap: 0.75rem; max-width: 440px; }
.newsletter-form input[type="email"] { padding: 0.75rem 1rem; border-radius: 6px; border: none; font-size: 1rem; }
.newsletter-form label { font-size: 0.8rem; display: flex; gap: 0.5rem; align-items: flex-start; opacity: 0.9; }
.newsletter-form label a { color: #fff; }

/* ── Featured articles grid ──────────────────────────── */
.featured-articles { padding: 4rem 0; }
.articles-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 1.5rem; margin-top: 2rem; }
.article-card { background: #fff; border: 1px solid #e2e8f0; border-radius: 10px; padding: 1.5rem; display: flex; flex-direction: column; gap: 0.75rem; }
.article-card-cat { font-size: 0.68rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--secondary); }
.article-card h3 { font-size: 1rem; font-weight: 700; color: var(--navy); line-height: 1.4; }
.article-card p { font-size: 0.85rem; color: #64748b; line-height: 1.5; flex: 1; }
.article-card a.read-link { font-size: 0.82rem; font-weight: 600; color: var(--secondary); text-decoration: none; }

/* ── Editorial hero ───────────────────────────────────── */
.editorial-hero { background: var(--navy); color: #fff; padding: 9.5rem 0 2.5rem; }
.editorial-hero h1 { font-size: clamp(2rem, 5vw, 3.5rem); font-weight: 700; line-height: 1.15; margin-bottom: 1rem; color: #fff; }
.editorial-hero .hero-sub { font-size: 1.1rem; color: rgba(255,255,255,0.75); max-width: 560px; margin-bottom: 2rem; line-height: 1.6; }
.editorial-hero .hero-ctas { display: flex; gap: 1rem; flex-wrap: wrap; margin-bottom: 0; }
.editorial-hero .btn-editorial-primary { display: inline-flex; align-items: center; gap: 0.5rem; background: #fff; color: var(--navy); font-weight: 700; padding: 0.85rem 1.75rem; border-radius: 6px; text-decoration: none; font-size: 0.95rem; transition: background 0.2s; min-height: 44px; }
.editorial-hero .btn-editorial-primary:hover { background: rgba(255,255,255,0.9); }
.editorial-hero .btn-editorial-ghost { display: inline-flex; align-items: center; gap: 0.5rem; background: transparent; color: rgba(255,255,255,0.85); font-weight: 600; padding: 0.85rem 1.75rem; border: 1px solid rgba(255,255,255,0.35); border-radius: 6px; text-decoration: none; font-size: 0.95rem; transition: border-color 0.2s, color 0.2s; min-height: 44px; }
.editorial-hero .btn-editorial-ghost:hover { border-color: rgba(255,255,255,0.7); color: #fff; }
@media (max-width: 768px) {
  .editorial-hero { padding: 8.5rem 0 2rem; }
}

/* ── Calculators grid ─────────────────────────────────── */
.calculators-section { padding: 4rem 0; background: #f8fafc; }
.calc-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 1.25rem; margin-top: 2rem; }
.calc-card { background: #fff; border: 1px solid #e2e8f0; border-radius: 10px; padding: 1.5rem; text-decoration: none; color: inherit; display: flex; flex-direction: column; gap: 0.5rem; transition: box-shadow 0.2s; }
.calc-card:hover { box-shadow: 0 4px 16px rgba(0,0,0,0.08); }
.calc-cards-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; padding: 2rem 0; }
@media (max-width: 900px) { .calc-cards-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 580px) { .calc-cards-grid { grid-template-columns: 1fr; } }
.calc-card-item { background: var(--bg); border: 1px solid var(--border); border-radius: 14px; padding: 1.5rem; display: flex; flex-direction: column; gap: 0.5rem; transition: border-color 0.15s, box-shadow 0.15s, transform 0.15s; }
.calc-card-item:hover { border-color: var(--secondary); box-shadow: 0 4px 20px rgba(30,58,138,0.10); transform: translateY(-2px); }
.calc-card-item h3 { font-size: 1rem; font-weight: 600; margin: 0; }
.calc-card-item h3 a { color: var(--foreground); text-decoration: none; }
.calc-card-item h3 a:hover { color: var(--secondary); }
.calc-card-item p { font-size: 0.875rem; color: var(--muted, #64748b); margin: 0; flex: 1; line-height: 1.5; }
.calc-card-link { font-size: 0.8rem; font-weight: 600; color: var(--secondary); text-decoration: none; margin-top: 0.5rem; }
.calc-card-link:hover { text-decoration: underline; }
.calc-card-icon { font-size: 1.5rem; }
.calc-card h3 { font-size: 0.95rem; font-weight: 700; color: var(--navy); }
.calc-card p { font-size: 0.82rem; color: #64748b; }

/* ── Section header ───────────────────────────────────── */
.section-hdr { margin-bottom: 0.5rem; }
.section-hdr h2 { font-size: clamp(1.5rem, 3vw, 2rem); font-weight: 700; color: var(--navy); }
.section-hdr p { color: #64748b; margin-top: 0.5rem; }

/* ── Footer newsletter (CASL-compliant) ───────────────────── */
.footer-newsletter { margin-top: 1rem; }
.footer-newsletter-label { font-size: 0.82rem; color: rgba(255,255,255,0.7); margin-bottom: 0.5rem; }
.footer-newsletter-form { display: flex; flex-wrap: wrap; gap: 0.5rem; margin-bottom: 0.6rem; }
/* The captcha is injected into this flex row at runtime; without its own line it
   gets crushed between the email field and the Subscribe button. */
.footer-newsletter-form .cf-turnstile { flex: 0 0 100%; order: 3; margin: 0.15rem 0 0 !important; }
.footer-newsletter-form input[type="email"] { order: 1; }
.footer-newsletter-form button { order: 2; }
.footer-newsletter-form input[type="email"] { flex: 1; padding: 0.55rem 0.85rem; border-radius: 6px; border: 1px solid rgba(255,255,255,0.2); background: rgba(255,255,255,0.08); color: #fff; font-size: 0.85rem; min-width: 0; }
.footer-newsletter-form input[type="email"]::placeholder { color: rgba(255,255,255,0.4); }
.footer-newsletter-form button { padding: 0.55rem 1.1rem; background: var(--accent-gold,#A16207); color: #fff; border: none; border-radius: 6px; font-size: 0.82rem; font-weight: 700; cursor: pointer; white-space: nowrap; }
.footer-newsletter-form button:hover { opacity: 0.9; }
.footer-casl-consent { display: flex; align-items: flex-start; gap: 0.45rem; font-size: 0.72rem; color: rgba(255,255,255,0.55); line-height: 1.4; cursor: pointer; max-width: 100%; }
.footer-casl-consent input[type="checkbox"] { margin-top: 3px; flex-shrink: 0; width: 13px; height: 13px; accent-color: var(--accent-gold,#F59E0B); }
.footer-casl-consent span { flex: 1; min-width: 0; }
.footer-casl-consent a { color: rgba(255,255,255,0.7); text-decoration: underline; }
.footer-newsletter-msg { font-size: 0.78rem; margin-top: 0.4rem; }

/* ── Inline rate disclaimer ───────────────────────────────── */
.rate-source-note { font-size: 0.75rem; color: var(--gray-400,#94a3b8); margin-top: 0.5rem; line-height: 1.5; }
.rate-source-note strong { color: var(--gray-500,#64748b); }

/* ── BCFSA compliance line ────────────────────────────────── */
.footer-bcfsa { font-size: 0.72rem; color: rgba(255,255,255,.35); line-height: 1.6; margin-bottom: 0.4rem; }
.footer-bcfsa a { color: rgba(255,255,255,.4); text-decoration: none; }
.footer-bcfsa a:hover { color: rgba(255,255,255,.65); }

/* ── Broker Contact Section ───────────────────────────────── */
.broker-contact-section {
  background: var(--navy);
  padding: 80px 0;
  color: var(--white);
}
.broker-contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: start;
}
.broker-contact-info .section-badge {
  background: rgba(245,158,11,0.15);
  color: var(--accent-gold);
  border-color: rgba(245,158,11,0.3);
}
.broker-contact-info h2 {
  font-size: clamp(1.75rem, 3vw, 2.5rem);
  color: var(--white);
  margin: 0.75rem 0 1rem;
}
.broker-contact-info > p {
  color: rgba(255,255,255,0.65);
  font-size: 1rem;
  line-height: 1.65;
  margin-bottom: 2rem;
}
.broker-details { display: flex; flex-direction: column; gap: 1rem; }
.broker-detail-item {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  color: rgba(255,255,255,0.85);
  font-size: 0.95rem;
  text-decoration: none;
  transition: color var(--transition);
}
.broker-detail-item svg { color: var(--accent-gold); flex-shrink: 0; }
a.broker-detail-item:hover { color: var(--white); }
.broker-detail-static { cursor: default; font-size: 0.85rem; color: rgba(255,255,255,0.5); }
.broker-contact-form {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg);
  padding: 2rem;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}
.broker-form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.broker-contact-form input,
.broker-contact-form textarea {
  background: rgba(255,255,255,0.07);
  border-color: rgba(255,255,255,0.15);
  color: var(--white);
}
.broker-contact-form input::placeholder,
.broker-contact-form textarea::placeholder { color: rgba(255,255,255,0.35); }
.broker-contact-form input:focus,
.broker-contact-form textarea:focus {
  border-color: var(--accent-gold);
  box-shadow: 0 0 0 3px rgba(245,158,11,0.15);
}
.broker-contact-form textarea { resize: vertical; min-height: 110px; }
@media (max-width: 768px) {
  .broker-contact-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .broker-form-row { grid-template-columns: 1fr; }
}

/* ── Language Toggle ────────────────────────────────────────────────────────── */
.lang-toggle {
  display: inline-flex;
  align-items: center;
  gap: 0;
  background: transparent;
  border: 1px solid rgba(15,23,42,0.25);
  border-radius: 6px;
  padding: 5px 10px;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  color: var(--navy, #0F172A);
  cursor: pointer;
  transition: background 0.15s, border-color 0.15s;
  white-space: nowrap;
  line-height: 1;
}
.lang-toggle:hover {
  background: rgba(15,23,42,0.06);
  border-color: rgba(15,23,42,0.4);
  color: var(--navy, #0F172A);
}
.lang-toggle-divider {
  margin: 0 4px;
  opacity: 0.35;
}
.lang-toggle[data-lang="fr"] .lang-toggle-fr { color: #fff; }
.lang-toggle[data-lang="en"] .lang-toggle-en { color: #fff; }
.lang-toggle--mobile {
  width: 100%;
  justify-content: center;
  font-size: 0.8rem;
  padding: 8px 16px;
}
/* Suppress Google Translate toolbar and top-banner */
.goog-te-banner-frame,
#goog-gt-tt,
.goog-te-balloon-frame { display: none !important; }
body { top: 0 !important; }
.skiptranslate { display: none !important; }

/* ── Screen-reader only utility ─────────────────────────────────────────────── */
.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; }

/* ── Homepage data update banner ─────────────────────────────────────────── */
/* Sits inside .editorial-hero (navy), so it needs its own lift to read as a
   distinct element rather than blending into the hero background. */
.data-banner {
  display: inline-flex; align-items: center; gap: 0.75rem; flex-wrap: wrap;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 999px;
  padding: 0.45rem 1rem 0.45rem 0.5rem;
  margin-bottom: 1.75rem;
  max-width: 100%;
}
.data-banner-tag {
  flex: none; font-size: 0.6rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase;
  color: var(--navy); background: var(--gold); border-radius: 999px; padding: 0.22rem 0.55rem;
}
.data-banner p {
  margin: 0; font-size: 0.85rem; line-height: 1.4; color: rgba(255,255,255,0.85);
}
.data-banner a {
  font-size: 0.82rem; font-weight: 600; color: #fff; white-space: nowrap;
  text-decoration: none; border-bottom: 1px solid rgba(255,255,255,0.4); padding-bottom: 1px;
}
.data-banner a:hover { border-bottom-color: #fff; }
@media (max-width: 620px) {
  .data-banner { border-radius: 10px; padding: 0.7rem 0.9rem; align-items: flex-start; }
  .data-banner p { flex-basis: 100%; }
}

/* ── Derived-rate marker ──────────────────────────────────────────────────── */
/* The dagger marks a rate derived from a lender's own purchase rate rather
   than separately published, so it must stay legible at small sizes. */
.rate-footnote { display: inline; }
.rate-derived-mark {
  font-size: 0.7em;
  font-weight: 700;
  color: var(--gray-400, #94a3b8);
  margin-left: 1px;
  cursor: help;
}

/* Count shown when several lenders publish an identical rate/term/APR. Muted —
   it is a footnote to the rate, not competing with it. */
.dupe-count {
  font-size: 0.72em;
  font-weight: 600;
  color: var(--gray-400, #94a3b8);
  font-variant-numeric: tabular-nums;
  cursor: help;
  margin-left: 2px;
}