/* ===================================================
   5 Star Mortgage Rates - Design System v2
   Electric Blue + Coral — Bold, energetic, trustworthy
   =================================================== */

/* --- CSS Variables / Design Tokens --- */
:root {
    /* Primary - Electric Blue (Stripe-level vivid) */
    --primary-900: #0a0a1a;
    --primary-800: #111128;
    --primary-700: #1a1a3a;
    --primary-600: #2d2d5e;
    --primary-500: #4040a0;
    --primary-400: #636bff;
    --primary-300: #8b8fff;
    --primary-200: #b4b7ff;
    --primary-100: #e0e1ff;
    --primary-50: #f0f0ff;

    /* Electric Blue Accent */
    --electric: #635BFF;
    --electric-bright: #7B74FF;
    --electric-dim: #4F48CC;
    --electric-glow: rgba(99, 91, 255, 0.2);
    --electric-subtle: rgba(99, 91, 255, 0.08);

    /* Coral / Red-Orange CTA */
    --coral: #FF6B4A;
    --coral-bright: #FF8066;
    --coral-dim: #E55A3B;
    --coral-glow: rgba(255, 107, 74, 0.25);
    --coral-subtle: rgba(255, 107, 74, 0.08);

    /* Success - Rates Going Down */
    --success-500: #22c55e;
    --success-400: #4ade80;
    --success-bg: rgba(34, 197, 94, 0.08);

    /* Danger - Rates Going Up */
    --danger-500: #ef4444;
    --danger-400: #f87171;
    --danger-bg: rgba(239, 68, 68, 0.08);

    /* Charcoal Neutrals */
    --charcoal-900: #0d0d14;
    --charcoal-800: #12121f;
    --charcoal-700: #1a1a2e;
    --charcoal-600: #252542;
    --charcoal-500: #3a3a5c;
    --charcoal-400: #5a5a7a;
    --charcoal-300: #8888a4;
    --charcoal-200: #b8b8cc;
    --charcoal-100: #dcdce8;

    /* Light neutrals */
    --white: #ffffff;
    --bg: #f8f8fc;
    --border: #e4e4ee;
    --text: #1a1a2e;
    --text-secondary: #5a5a7a;
    --text-muted: #8888a4;

    /* Typography */
    --font-heading: 'Space Grotesk', sans-serif;
    --font-body: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;

    /* Spacing */
    --space-xs: 0.25rem;
    --space-sm: 0.5rem;
    --space-md: 1rem;
    --space-lg: 1.5rem;
    --space-xl: 2rem;
    --space-2xl: 3rem;
    --space-3xl: 4rem;
    --space-4xl: 6rem;

    /* Radius */
    --radius-sm: 6px;
    --radius-md: 10px;
    --radius-lg: 16px;
    --radius-xl: 24px;
    --radius-full: 9999px;

    /* Shadows */
    --shadow-sm: 0 1px 3px rgba(0, 0, 0, 0.06);
    --shadow-md: 0 4px 12px rgba(0, 0, 0, 0.06), 0 1px 3px rgba(0, 0, 0, 0.04);
    --shadow-lg: 0 12px 32px rgba(0, 0, 0, 0.08), 0 4px 8px rgba(0, 0, 0, 0.04);
    --shadow-xl: 0 24px 56px rgba(0, 0, 0, 0.12);
    --shadow-glow-blue: 0 0 40px rgba(99, 91, 255, 0.15);
    --shadow-glow-coral: 0 0 30px rgba(255, 107, 74, 0.2);

    /* Transitions */
    --transition-fast: 150ms cubic-bezier(0.4, 0, 0.2, 1);
    --transition-base: 250ms cubic-bezier(0.4, 0, 0.2, 1);
    --transition-slow: 400ms cubic-bezier(0.4, 0, 0.2, 1);
}

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

html {
    scroll-behavior: smooth;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

body {
    font-family: var(--font-body);
    color: var(--text);
    background: var(--bg);
    line-height: 1.6;
    overflow-x: hidden;
}

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

a:hover {
    color: var(--electric-bright);
}

img {
    max-width: 100%;
    height: auto;
}

h1,
h2,
h3,
h4,
h5,
h6 {
    font-family: var(--font-heading);
    font-weight: 700;
    line-height: 1.2;
    color: var(--charcoal-700);
}

/* --- Container --- */
.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 var(--space-lg);
}

.container-narrow {
    max-width: 800px;
    margin: 0 auto;
    padding: 0 var(--space-lg);
}

/* --- Navigation --- */
.navbar {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: rgba(255, 255, 255, 0.92);
    backdrop-filter: blur(20px) saturate(180%);
    -webkit-backdrop-filter: blur(20px) saturate(180%);
    border-bottom: 1px solid rgba(0, 0, 0, 0.06);
    transition: all var(--transition-base);
}

.navbar.scrolled {
    background: rgba(255, 255, 255, 0.97);
    box-shadow: var(--shadow-sm);
}

.nav-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 var(--space-lg);
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 72px;
}

.nav-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    text-decoration: none;
    color: var(--charcoal-700);
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 1.2rem;
}

.logo-stars {
    color: var(--coral);
    font-size: 0.85rem;
    letter-spacing: 2px;
}

.logo-text {
    font-weight: 700;
}

.nav-links {
    display: flex;
    align-items: center;
    gap: var(--space-xl);
}

.nav-link {
    font-size: 0.9rem;
    font-weight: 500;
    color: var(--charcoal-500);
    text-decoration: none;
    padding: 6px 0;
    position: relative;
    transition: color var(--transition-fast);
}

.nav-link::after {
    content: '';
    position: absolute;
    bottom: -2px;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--electric);
    border-radius: 2px;
    transition: width var(--transition-base);
}

.nav-link:hover,
.nav-link.active {
    color: var(--charcoal-700);
}

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

.nav-actions {
    display: flex;
    align-items: center;
    gap: var(--space-md);
}

.nav-cta-outline {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 9px 20px;
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--electric);
    background: transparent;
    border: 2px solid var(--electric);
    border-radius: var(--radius-full);
    text-decoration: none;
    transition: all var(--transition-base);
}

.nav-cta-outline:hover {
    color: var(--white);
    background: var(--electric);
}

.nav-cta {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 10px 22px;
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--white);
    background: var(--coral);
    border-radius: var(--radius-full);
    text-decoration: none;
    transition: all var(--transition-base);
    box-shadow: 0 2px 10px var(--coral-glow);
}

.nav-cta:hover {
    color: var(--white);
    background: var(--coral-bright);
    transform: translateY(-1px);
    box-shadow: 0 4px 20px var(--coral-glow);
}

.nav-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 4px;
}

.nav-toggle span {
    display: block;
    width: 24px;
    height: 2px;
    background: var(--charcoal-700);
    border-radius: 2px;
    transition: all var(--transition-fast);
}

/* --- Hero Section --- */
.hero {
    position: relative;
    padding: 140px 0 80px;
    background: linear-gradient(155deg, var(--charcoal-900) 0%, var(--charcoal-800) 35%, var(--charcoal-700) 100%);
    overflow: hidden;
}

.hero-bg-pattern {
    position: absolute;
    inset: 0;
    background:
        radial-gradient(circle 600px at 15% 75%, rgba(99, 91, 255, 0.12) 0%, transparent 70%),
        radial-gradient(circle 500px at 85% 25%, rgba(255, 107, 74, 0.08) 0%, transparent 60%),
        radial-gradient(circle 400px at 50% 10%, rgba(99, 91, 255, 0.06) 0%, transparent 50%);
    pointer-events: none;
}

/* Decorative Orbs */
.hero-bg-pattern::before {
    content: '';
    position: absolute;
    width: 500px;
    height: 500px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(99, 91, 255, 0.10) 0%, transparent 70%);
    top: -150px;
    right: -150px;
    filter: blur(60px);
}

.hero-bg-pattern::after {
    content: '';
    position: absolute;
    width: 400px;
    height: 400px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(255, 107, 74, 0.08) 0%, transparent 70%);
    bottom: -100px;
    left: -100px;
    filter: blur(50px);
}

.hero::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 120px;
    background: linear-gradient(to top, var(--bg), transparent);
    pointer-events: none;
}

.hero-content {
    position: relative;
    z-index: 1;
    text-align: center;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 18px;
    font-size: 0.82rem;
    font-weight: 500;
    color: var(--electric-bright);
    background: var(--electric-subtle);
    border: 1px solid rgba(99, 91, 255, 0.2);
    border-radius: var(--radius-full);
    margin-bottom: var(--space-xl);
}

.pulse-dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: var(--electric-bright);
    animation: pulse 2s infinite;
}

@keyframes pulse {

    0%,
    100% {
        opacity: 1;
        transform: scale(1);
    }

    50% {
        opacity: 0.5;
        transform: scale(1.3);
    }
}

.hero-title {
    font-size: clamp(2.5rem, 5vw, 4rem);
    font-weight: 800;
    color: var(--white);
    margin-bottom: var(--space-md);
    letter-spacing: -0.02em;
}

.hero-subtitle {
    font-size: 1.15rem;
    color: var(--charcoal-300);
    max-width: 600px;
    margin: 0 auto var(--space-3xl);
    line-height: 1.7;
}

/* Hero Rate Cards */
.hero-rates-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--space-lg);
    max-width: 900px;
    margin: 0 auto var(--space-xl);
}

.hero-rate-card {
    position: relative;
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.08);
    border-radius: var(--radius-lg);
    padding: var(--space-xl) var(--space-lg);
    backdrop-filter: blur(10px);
    transition: all var(--transition-base);
}

.hero-rate-card:hover {
    background: rgba(255, 255, 255, 0.08);
    border-color: rgba(255, 107, 74, 0.3);
    transform: translateY(-3px);
    box-shadow: 0 8px 30px rgba(255, 107, 74, 0.1);
}

.hero-rate-card.featured {
    background: rgba(99, 91, 255, 0.1);
    border-color: rgba(99, 91, 255, 0.3);
    box-shadow: var(--shadow-glow-blue);
}

.rate-featured-badge {
    position: absolute;
    top: -10px;
    left: 50%;
    transform: translateX(-50%);
    padding: 3px 12px;
    font-size: 0.7rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--white);
    background: var(--electric);
    border-radius: var(--radius-full);
}

.rate-card-label {
    font-size: 0.82rem;
    font-weight: 500;
    color: var(--charcoal-300);
    margin-bottom: var(--space-sm);
}

.rate-card-value {
    font-family: var(--font-heading);
    font-size: 2.5rem;
    font-weight: 800;
    color: var(--white);
    line-height: 1;
    margin-bottom: var(--space-xs);
}

.rate-pct {
    font-size: 1.2rem;
    font-weight: 600;
    vertical-align: super;
}

.rate-card-change {
    font-size: 0.78rem;
    font-weight: 600;
    margin-bottom: var(--space-xs);
}

.rate-card-change.down {
    color: var(--success-400);
}

.rate-card-change.up {
    color: var(--danger-400);
}

.rate-card-apr {
    font-size: 0.75rem;
    color: var(--charcoal-400);
}

.hero-disclaimer {
    font-size: 0.78rem;
    color: var(--charcoal-400);
}

.hero-disclaimer a {
    color: var(--coral);
    text-decoration: underline;
    text-decoration-color: rgba(255, 107, 74, 0.3);
}

/* --- Sections --- */
.section {
    padding: var(--space-4xl) 0;
}

.section-dark {
    background: var(--charcoal-700);
    color: var(--white);
}

.section-light {
    background: var(--primary-50);
}

.section-header {
    text-align: center;
    margin-bottom: var(--space-3xl);
}

.section-header h2 {
    font-size: clamp(1.75rem, 3vw, 2.5rem);
    margin-bottom: var(--space-sm);
    letter-spacing: -0.01em;
}

.section-header p {
    font-size: 1.05rem;
    color: var(--text-secondary);
    max-width: 600px;
    margin: 0 auto;
}

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

.section-header.light p {
    color: var(--charcoal-300);
}

/* --- Quick Quote --- */
.quick-quote-section {
    margin-top: -40px;
    position: relative;
    z-index: 10;
    padding-top: 0;
}

.quick-quote-card {
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: var(--space-3xl);
    box-shadow: var(--shadow-xl);
    border: 1px solid var(--border);
}

.quick-quote-header {
    text-align: center;
    margin-bottom: var(--space-2xl);
}

.quick-quote-header h2 {
    font-size: 1.6rem;
    margin-bottom: 4px;
}

.quick-quote-header p {
    color: var(--text-secondary);
    font-size: 0.9rem;
}

.quick-quote-form {
    display: flex;
    flex-direction: column;
    gap: var(--space-lg);
    align-items: center;
}

.form-row {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--space-lg);
    width: 100%;
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 6px;
}

.form-group label {
    font-size: 0.82rem;
    font-weight: 600;
    color: var(--charcoal-500);
    text-transform: uppercase;
    letter-spacing: 0.03em;
}

.form-group input,
.form-group select {
    padding: 12px 16px;
    font-size: 0.95rem;
    font-family: var(--font-body);
    border: 1.5px solid var(--border);
    border-radius: var(--radius-md);
    background: var(--white);
    color: var(--text);
    transition: all var(--transition-fast);
    outline: none;
}

.form-group input:focus,
.form-group select:focus {
    border-color: var(--electric);
    box-shadow: 0 0 0 3px var(--electric-subtle);
}

/* --- Buttons --- */
.btn-primary {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 14px 32px;
    font-family: var(--font-body);
    font-size: 1rem;
    font-weight: 600;
    color: var(--white);
    background: var(--coral);
    border: none;
    border-radius: var(--radius-full);
    cursor: pointer;
    text-decoration: none;
    transition: all var(--transition-base);
    box-shadow: 0 4px 14px var(--coral-glow);
}

.btn-primary:hover {
    color: var(--white);
    background: var(--coral-bright);
    transform: translateY(-2px);
    box-shadow: 0 6px 25px var(--coral-glow);
}

.btn-large {
    padding: 16px 40px;
    font-size: 1.05rem;
}

.btn-outline {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 12px 28px;
    font-family: var(--font-body);
    font-size: 0.95rem;
    font-weight: 600;
    color: var(--electric);
    background: transparent;
    border: 2px solid var(--electric);
    border-radius: var(--radius-full);
    cursor: pointer;
    text-decoration: none;
    transition: all var(--transition-base);
}

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

.btn-blue {
    background: var(--electric);
    box-shadow: 0 4px 14px var(--electric-glow);
}

.btn-blue:hover {
    background: var(--electric-bright);
    box-shadow: 0 6px 25px var(--electric-glow);
}

/* --- Rate Table --- */
.rate-table-wrapper {
    overflow-x: auto;
    border-radius: var(--radius-lg);
    border: 1px solid var(--border);
    background: var(--white);
    box-shadow: var(--shadow-md);
}

.rate-table {
    width: 100%;
    border-collapse: collapse;
}

.rate-table thead {
    background: var(--primary-50);
}

.rate-table th {
    padding: 16px 20px;
    font-size: 0.78rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--charcoal-400);
    text-align: left;
    border-bottom: 2px solid var(--border);
}

.rate-table td {
    padding: 18px 20px;
    font-size: 0.92rem;
    border-bottom: 1px solid var(--primary-50);
    vertical-align: middle;
}

.rate-table tbody tr {
    transition: background var(--transition-fast);
}

.rate-table tbody tr:hover {
    background: var(--primary-50);
}

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

.rate-cell {
    font-family: var(--font-heading);
    font-size: 1.15rem;
    font-weight: 700;
    color: var(--charcoal-700);
}

.table-sub {
    font-size: 0.78rem;
    color: var(--text-secondary);
}

.change-down {
    color: var(--success-500);
    font-weight: 600;
    font-size: 0.85rem;
}

.change-up {
    color: var(--danger-500);
    font-weight: 600;
    font-size: 0.85rem;
}

.table-cta {
    display: inline-block;
    padding: 8px 18px;
    font-size: 0.82rem;
    font-weight: 600;
    color: var(--white);
    background: var(--coral);
    border-radius: var(--radius-full);
    text-decoration: none;
    transition: all var(--transition-fast);
}

.table-cta:hover {
    color: var(--white);
    background: var(--coral-bright);
    transform: translateY(-1px);
    box-shadow: 0 2px 10px var(--coral-glow);
}

.table-disclaimer {
    padding: var(--space-md) var(--space-lg);
    font-size: 0.78rem;
    color: var(--text-muted);
    border-top: 1px solid var(--border);
}

/* --- Trend Chart --- */
.trend-chart-wrapper {
    background: rgba(255, 255, 255, 0.04);
    border: 1px solid rgba(255, 255, 255, 0.08);
    border-radius: var(--radius-lg);
    padding: var(--space-xl);
    margin-bottom: var(--space-3xl);
}

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

.insight-card {
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.08);
    border-radius: var(--radius-lg);
    padding: var(--space-xl);
    transition: all var(--transition-base);
}

.insight-card:hover {
    background: rgba(255, 255, 255, 0.08);
    transform: translateY(-2px);
    border-color: rgba(99, 91, 255, 0.2);
}

.insight-icon {
    font-size: 1.8rem;
    margin-bottom: var(--space-md);
}

.insight-card h3 {
    font-size: 1.05rem;
    color: var(--white);
    margin-bottom: var(--space-sm);
}

.insight-card p {
    font-size: 0.88rem;
    color: var(--charcoal-300);
    line-height: 1.6;
}

.insight-card a {
    color: var(--coral);
}

/* --- Steps Grid --- */
.steps-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--space-xl);
    margin-bottom: var(--space-3xl);
}

.step-card {
    text-align: center;
    padding: var(--space-xl);
}

.step-number {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 52px;
    height: 52px;
    font-family: var(--font-heading);
    font-size: 1.3rem;
    font-weight: 700;
    color: var(--electric);
    background: var(--electric-subtle);
    border: 2px solid rgba(99, 91, 255, 0.15);
    border-radius: var(--radius-full);
    margin-bottom: var(--space-lg);
}

.steps-cta {
    text-align: center;
}

.steps-cta-sub {
    margin-top: var(--space-sm);
    font-size: 0.82rem;
    color: var(--text-muted);
}

.step-card h3 {
    font-size: 1.05rem;
    margin-bottom: var(--space-sm);
}

.step-card p {
    font-size: 0.9rem;
    color: var(--text-secondary);
    line-height: 1.6;
}

/* --- Blog Grid --- */
.blog-grid {
    display: grid;
    grid-template-columns: 1fr 1fr 1fr;
    gap: var(--space-xl);
    margin-bottom: var(--space-2xl);
}

.blog-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    border: 1px solid var(--border);
    transition: all var(--transition-base);
    box-shadow: var(--shadow-sm);
}

.blog-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
    border-color: rgba(99, 91, 255, 0.15);
}

.blog-img {
    position: relative;
    height: 200px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.blog-img-overlay {
    display: flex;
    align-items: center;
    justify-content: center;
}

.blog-icon {
    font-size: 3rem;
    filter: drop-shadow(0 4px 8px rgba(0, 0, 0, 0.3));
}

.blog-category {
    position: absolute;
    top: 16px;
    left: 16px;
    padding: 4px 12px;
    font-size: 0.72rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--white);
    background: var(--electric);
    border-radius: var(--radius-full);
}

.blog-body {
    padding: var(--space-xl);
}

.blog-date {
    font-size: 0.78rem;
    color: var(--text-muted);
    display: block;
    margin-bottom: var(--space-sm);
}

.blog-body h3 {
    font-size: 1.1rem;
    margin-bottom: var(--space-sm);
    line-height: 1.35;
}

.blog-body h3 a {
    color: var(--charcoal-700);
    text-decoration: none;
}

.blog-body h3 a:hover {
    color: var(--electric);
}

.blog-body p {
    font-size: 0.88rem;
    color: var(--text-secondary);
    line-height: 1.6;
    margin-bottom: var(--space-md);
}

.blog-read-more {
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--coral);
}

.blog-all-link {
    text-align: center;
}

/* --- Trust Section --- */
.trust-section {
    background: linear-gradient(135deg, var(--electric-dim) 0%, #3b0a9c 60%, #5c1cbf 100%);
    padding: var(--space-3xl) 0;
}

.trust-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--space-xl);
    text-align: center;
}

.trust-number {
    font-family: var(--font-heading);
    font-size: 2rem;
    font-weight: 800;
    color: var(--white);
    margin-bottom: 4px;
}

.trust-label {
    font-size: 0.85rem;
    color: rgba(255, 255, 255, 0.7);
    font-weight: 500;
}

/* --- FAQ --- */
.faq-list {
    display: flex;
    flex-direction: column;
    gap: var(--space-sm);
}

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

.faq-item:hover {
    border-color: rgba(99, 91, 255, 0.2);
}

.faq-question {
    display: flex;
    align-items: center;
    justify-content: space-between;
    width: 100%;
    padding: var(--space-lg) var(--space-xl);
    font-family: var(--font-body);
    font-size: 1rem;
    font-weight: 600;
    color: var(--charcoal-700);
    background: transparent;
    border: none;
    cursor: pointer;
    text-align: left;
}

.faq-chevron {
    flex-shrink: 0;
    transition: all var(--transition-base);
    color: var(--charcoal-300);
    width: 28px;
    height: 28px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: var(--radius-full);
}

.faq-item.open .faq-chevron {
    transform: rotate(180deg);
    background: var(--electric);
    color: var(--white);
}

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

.faq-item.open .faq-answer {
    max-height: 300px;
}

.faq-answer p {
    padding: 0 var(--space-xl) var(--space-lg);
    font-size: 0.92rem;
    color: var(--text-secondary);
    line-height: 1.7;
}

/* --- Newsletter --- */
.newsletter-section {
    padding: var(--space-2xl) 0 var(--space-4xl);
}

.newsletter-card {
    text-align: center;
    padding: var(--space-3xl);
    background: linear-gradient(135deg, var(--electric-dim) 0%, #3b0a9c 50%, #5c1cbf 100%);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-xl);
}

.newsletter-card h2 {
    font-size: 1.6rem;
    color: var(--white);
    margin-bottom: var(--space-sm);
}

.newsletter-card>p {
    font-size: 0.95rem;
    color: rgba(255, 255, 255, 0.7);
    margin-bottom: var(--space-xl);
}

.newsletter-form {
    display: flex;
    gap: var(--space-sm);
    max-width: 500px;
    margin: 0 auto;
}

.newsletter-form input {
    flex: 1;
    padding: 14px 20px;
    font-family: var(--font-body);
    font-size: 0.95rem;
    border: 1.5px solid rgba(255, 255, 255, 0.2);
    border-radius: var(--radius-full);
    background: rgba(255, 255, 255, 0.1);
    color: var(--white);
    outline: none;
    transition: all var(--transition-fast);
}

.newsletter-form input::placeholder {
    color: rgba(255, 255, 255, 0.5);
}

.newsletter-form input:focus {
    border-color: rgba(255, 255, 255, 0.4);
    background: rgba(255, 255, 255, 0.15);
}

.newsletter-disclaimer {
    font-size: 0.75rem;
    color: rgba(255, 255, 255, 0.5);
    margin-top: var(--space-md);
}

/* --- Footer --- */
.footer {
    background: var(--charcoal-900);
    padding: var(--space-4xl) 0 var(--space-2xl);
    color: var(--charcoal-300);
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: var(--space-3xl);
    margin-bottom: var(--space-3xl);
}

.footer-brand p {
    font-size: 0.88rem;
    line-height: 1.6;
    margin-top: var(--space-md);
    color: var(--charcoal-400);
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: 8px;
    text-decoration: none;
    color: var(--white);
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 1.2rem;
}

.footer-links h4 {
    font-size: 0.82rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--charcoal-200);
    margin-bottom: var(--space-lg);
}

.footer-links a {
    display: block;
    font-size: 0.88rem;
    color: var(--charcoal-400);
    text-decoration: none;
    padding: 4px 0;
    transition: color var(--transition-fast);
}

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

.footer-bottom {
    padding-top: var(--space-2xl);
    border-top: 1px solid rgba(255, 255, 255, 0.06);
    text-align: center;
}

.footer-bottom p {
    font-size: 0.82rem;
    color: var(--charcoal-500);
    margin-bottom: var(--space-sm);
}

.footer-disclosure {
    max-width: 700px;
    margin: var(--space-md) auto 0;
    font-size: 0.75rem;
    color: var(--charcoal-500);
    line-height: 1.6;
}

.footer-disclosure a {
    color: var(--charcoal-400);
    text-decoration: underline;
    text-decoration-color: rgba(255, 255, 255, 0.15);
}

/* --- Responsive --- */
@media (max-width: 1024px) {
    .hero-rates-grid {
        grid-template-columns: repeat(2, 1fr);
    }

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

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

    .trend-insights {
        grid-template-columns: 1fr;
    }

    .trust-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: var(--space-xl) var(--space-2xl);
    }

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

@media (max-width: 768px) {

    .nav-links,
    .nav-actions {
        display: none;
    }

    .nav-links.open {
        display: flex;
        position: fixed;
        top: 72px;
        left: 0;
        right: 0;
        flex-direction: column;
        background: var(--white);
        padding: var(--space-lg);
        box-shadow: var(--shadow-lg);
        gap: var(--space-sm);
        border-bottom: 1px solid var(--border);
    }

    .nav-toggle {
        display: flex;
    }

    .hero {
        padding: 120px 0 60px;
    }

    .hero-rates-grid {
        grid-template-columns: 1fr 1fr;
        gap: var(--space-md);
    }

    .rate-card-value {
        font-size: 2rem;
    }

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

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

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

    .footer-grid {
        grid-template-columns: 1fr;
        gap: var(--space-2xl);
    }

    .newsletter-form {
        flex-direction: column;
    }

    .quick-quote-card {
        padding: var(--space-xl);
    }
}

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

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

/* --- Animations --- */
@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(20px);
    }

    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.animate-in {
    animation: fadeInUp 0.6s ease-out forwards;
}

[data-aos] {
    opacity: 0;
    transform: translateY(20px);
    transition: all 0.6s ease-out;
}

[data-aos].visible {
    opacity: 1;
    transform: translateY(0);
}

/* --- Page Hero --- */
.page-hero {
    padding: 120px 0 60px;
    background: linear-gradient(155deg, var(--charcoal-900) 0%, var(--charcoal-800) 50%, var(--charcoal-700) 100%);
    text-align: center;
}

.page-hero h1 {
    font-size: clamp(2rem, 4vw, 3rem);
    color: var(--white);
    margin-bottom: var(--space-sm);
}

.page-hero p {
    font-size: 1.05rem;
    color: var(--charcoal-300);
    max-width: 600px;
    margin: 0 auto;
}

/* Blog Full Page */
.blog-page-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--space-xl);
}

.blog-featured-card {
    grid-column: 1 / -1;
    display: grid;
    grid-template-columns: 1fr 1fr;
    background: var(--white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    border: 1px solid var(--border);
    box-shadow: var(--shadow-md);
}

.blog-featured-card .blog-img {
    height: 100%;
    min-height: 300px;
}

.blog-featured-card .blog-body {
    padding: var(--space-2xl);
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.blog-featured-card h3 {
    font-size: 1.5rem;
}

/* Blog Article */
.article-content {
    max-width: 740px;
    margin: 0 auto;
    padding: var(--space-3xl) var(--space-lg);
}

.article-meta {
    display: flex;
    align-items: center;
    gap: var(--space-md);
    margin-bottom: var(--space-2xl);
    font-size: 0.88rem;
    color: var(--text-secondary);
}

.article-content h2 {
    margin: var(--space-2xl) 0 var(--space-md);
    font-size: 1.5rem;
}

.article-content h3 {
    margin: var(--space-xl) 0 var(--space-md);
    font-size: 1.2rem;
}

.article-content p {
    font-size: 1.02rem;
    line-height: 1.8;
    margin-bottom: var(--space-lg);
    color: var(--charcoal-500);
}

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

.article-content li {
    font-size: 1rem;
    line-height: 1.7;
    margin-bottom: var(--space-sm);
    color: var(--charcoal-500);
}

.article-callout {
    background: var(--electric-subtle);
    border-left: 4px solid var(--electric);
    padding: var(--space-xl);
    border-radius: 0 var(--radius-md) var(--radius-md) 0;
    margin: var(--space-xl) 0;
}

.article-callout p {
    color: var(--charcoal-700);
    margin-bottom: 0;
}

/* --- Calculator Styles --- */
.calc-container {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--space-2xl);
    align-items: start;
}

.calc-form-card {
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: var(--space-2xl);
    border: 1px solid var(--border);
    box-shadow: var(--shadow-lg);
}

.calc-result-card {
    background: linear-gradient(155deg, var(--charcoal-800) 0%, var(--charcoal-700) 100%);
    border-radius: var(--radius-xl);
    padding: var(--space-2xl);
    color: var(--white);
    position: sticky;
    top: 96px;
}

.calc-result-main {
    text-align: center;
    margin-bottom: var(--space-2xl);
    padding-bottom: var(--space-xl);
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.calc-result-value {
    font-family: var(--font-heading);
    font-size: 3rem;
    font-weight: 800;
    color: var(--coral);
    line-height: 1;
    margin-bottom: 4px;
}

.calc-result-label {
    font-size: 0.88rem;
    color: var(--charcoal-300);
}

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

.calc-row {
    display: flex;
    justify-content: space-between;
    font-size: 0.92rem;
}

.calc-row-label {
    color: var(--charcoal-300);
}

.calc-row-value {
    font-weight: 600;
    color: var(--white);
}

.calc-total-row {
    padding-top: var(--space-md);
    border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.calc-total-row .calc-row-label,
.calc-total-row .calc-row-value {
    font-weight: 700;
    font-size: 1rem;
}

.calc-slider-group {
    margin-bottom: var(--space-xl);
}

.calc-slider-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: var(--space-sm);
}

.calc-slider-header label {
    font-size: 0.88rem;
    font-weight: 600;
    color: var(--charcoal-500);
}

.calc-slider-value {
    font-family: var(--font-heading);
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--charcoal-700);
}

input[type="range"] {
    width: 100%;
    height: 6px;
    -webkit-appearance: none;
    appearance: none;
    background: var(--charcoal-100);
    border-radius: 3px;
    outline: none;
    cursor: pointer;
}

input[type="range"]::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 22px;
    height: 22px;
    background: var(--electric);
    border-radius: 50%;
    border: 3px solid var(--white);
    box-shadow: 0 2px 6px rgba(0, 0, 0, 0.15);
    cursor: pointer;
}

/* Loan Programs */
.programs-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: var(--space-xl);
}

.program-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: var(--space-2xl);
    border: 1px solid var(--border);
    box-shadow: var(--shadow-sm);
    transition: all var(--transition-base);
}

.program-card:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-lg);
    border-color: rgba(99, 91, 255, 0.15);
}

.program-badge {
    display: inline-block;
    padding: 4px 12px;
    font-size: 0.72rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    border-radius: var(--radius-full);
    margin-bottom: var(--space-md);
}

.program-badge.popular {
    background: var(--electric-subtle);
    color: var(--electric);
    border: 1px solid rgba(99, 91, 255, 0.15);
}

.program-badge.veteran {
    background: rgba(99, 102, 241, 0.1);
    color: #6366f1;
    border: 1px solid rgba(99, 102, 241, 0.2);
}

.program-badge.accessible {
    background: var(--success-bg);
    color: var(--success-500);
    border: 1px solid rgba(34, 197, 94, 0.2);
}

.program-badge.premium {
    background: rgba(168, 85, 247, 0.1);
    color: #a855f7;
    border: 1px solid rgba(168, 85, 247, 0.2);
}

.program-card h3 {
    font-size: 1.3rem;
    margin-bottom: var(--space-sm);
}

.program-card>p {
    font-size: 0.92rem;
    color: var(--text-secondary);
    margin-bottom: var(--space-lg);
    line-height: 1.6;
}

.program-features {
    list-style: none;
    padding: 0;
    margin-bottom: var(--space-lg);
}

.program-features li {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 0.88rem;
    color: var(--charcoal-500);
    padding: 6px 0;
}

.program-features li::before {
    content: '✓';
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 20px;
    height: 20px;
    font-size: 0.7rem;
    font-weight: 700;
    color: var(--electric);
    background: var(--electric-subtle);
    border-radius: 50%;
    flex-shrink: 0;
}

.program-rate {
    display: flex;
    align-items: baseline;
    gap: 8px;
    padding-top: var(--space-md);
    border-top: 1px solid var(--border);
}

.program-rate-label {
    font-size: 0.78rem;
    color: var(--text-muted);
}

.program-rate-value {
    font-family: var(--font-heading);
    font-size: 1.4rem;
    font-weight: 700;
    color: var(--charcoal-700);
}

/* About page */
.about-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--space-3xl);
    align-items: center;
}

.about-text h2 {
    font-size: 1.8rem;
    margin-bottom: var(--space-lg);
}

.about-text p {
    font-size: 1rem;
    color: var(--text-secondary);
    line-height: 1.7;
    margin-bottom: var(--space-md);
}

.about-visual {
    background: linear-gradient(155deg, var(--charcoal-800), var(--charcoal-700));
    border-radius: var(--radius-xl);
    padding: var(--space-3xl);
    text-align: center;
    color: var(--white);
}

.about-visual-icon {
    font-size: 4rem;
    margin-bottom: var(--space-lg);
}

.about-values {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--space-xl);
    margin-top: var(--space-3xl);
}

.value-card {
    text-align: center;
    padding: var(--space-xl);
    background: var(--white);
    border-radius: var(--radius-lg);
    border: 1px solid var(--border);
}

.value-icon {
    font-size: 2rem;
    margin-bottom: var(--space-md);
}

.value-card h3 {
    font-size: 1.05rem;
    margin-bottom: var(--space-sm);
}

.value-card p {
    font-size: 0.88rem;
    color: var(--text-secondary);
    line-height: 1.6;
}

@media (max-width: 768px) {
    .calc-container {
        grid-template-columns: 1fr;
    }

    .calc-result-card {
        position: static;
    }

    .blog-featured-card {
        grid-template-columns: 1fr;
    }

    .blog-page-grid {
        grid-template-columns: 1fr;
    }

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

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

    .about-values {
        grid-template-columns: 1fr;
    }
}