/**
 * Reficity - Premium Mortgage Refinancing
 * Custom Styles - Brandwings CMS
 * 
 * Design System:
 * - Primary: Deep Navy #0F2A44
 * - Secondary: Rich Teal #0E7C7B
 * - Accent: Warm Gold #C7A55B
 * - Success: Eucalyptus #2E8B57
 */

/* ============================================
   CSS Variables
============================================ */
:root {
    /* Brand Colors */
    --color-primary: #0F2A44;
    --color-secondary: #0E7C7B;
    --color-accent: #C7A55B;
    --color-success: #2E8B57;
    
    /* Neutrals */
    --color-white: #FFFFFF;
    --color-off-white: #F7F8FA;
    --color-cream: #FDF8F3;
    --color-gray-100: #F5F7FA;
    --color-gray-200: #E9ECEF;
    --color-gray-300: #DEE2E6;
    --color-gray-400: #CED4DA;
    --color-gray-500: #ADB5BD;
    --color-gray-600: #6B7280;
    --color-gray-700: #495057;
    --color-gray-800: #343A40;
    --color-gray-900: #212529;
    
    /* Typography */
    --font-display: 'DM Serif Display', Georgia, serif;
    --font-body: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
    --font-size-xs: 0.75rem;
    --font-size-sm: 0.875rem;
    --font-size-base: 1rem;
    --font-size-lg: 1.125rem;
    --font-size-xl: 1.25rem;
    --font-size-2xl: 1.5rem;
    --font-size-3xl: 1.875rem;
    --font-size-4xl: 2.25rem;
    --font-size-5xl: 3rem;
    --font-size-6xl: 3.5rem;
    
    /* Spacing */
    --space-1: 0.25rem;
    --space-2: 0.5rem;
    --space-3: 0.75rem;
    --space-4: 1rem;
    --space-5: 1.25rem;
    --space-6: 1.5rem;
    --space-8: 2rem;
    --space-10: 2.5rem;
    --space-12: 3rem;
    --space-16: 4rem;
    --space-20: 5rem;
    --space-24: 6rem;
    --space-32: 8rem;
    
    /* Shadows */
    --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
    --shadow-md: 0 4px 6px -1px rgba(0,0,0,0.1), 0 2px 4px -1px rgba(0,0,0,0.06);
    --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.1), 0 4px 6px -2px rgba(0,0,0,0.05);
    --shadow-xl: 0 20px 25px -5px rgba(0,0,0,0.1), 0 10px 10px -5px rgba(0,0,0,0.04);
    
    /* Transitions */
    --transition-fast: 150ms ease;
    --transition-base: 300ms ease;
    --transition-slow: 500ms ease;
    
    /* Border Radius */
    --radius-sm: 0.25rem;
    --radius-md: 0.5rem;
    --radius-lg: 0.75rem;
    --radius-xl: 1rem;
    --radius-full: 9999px;
}

/* ============================================
   Base Styles
============================================ */
*,
*::before,
*::after {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: var(--font-body);
    font-size: var(--font-size-base);
    line-height: 1.7;
    color: var(--color-gray-700);
    background-color: var(--color-white);
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

/* ============================================
   Typography
============================================ */
h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-display);
    font-weight: 400;
    color: var(--color-primary);
    line-height: 1.2;
    margin-top: 0;
    margin-bottom: var(--space-4);
}

h1 {
    font-size: var(--font-size-5xl);
}

h2 {
    font-size: var(--font-size-4xl);
}

h3 {
    font-size: var(--font-size-3xl);
}

h4 {
    font-size: var(--font-size-2xl);
    font-family: var(--font-body);
    font-weight: 600;
}

h5 {
    font-size: var(--font-size-xl);
    font-family: var(--font-body);
    font-weight: 600;
}

h6 {
    font-size: var(--font-size-lg);
    font-family: var(--font-body);
    font-weight: 600;
}

p {
    margin-bottom: var(--space-4);
}

p:last-child {
    margin-bottom: 0;
}

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

a:hover {
    color: var(--color-primary);
}

.lead {
    font-size: var(--font-size-lg);
    line-height: 1.8;
    color: var(--color-gray-600);
}

.eyebrow {
    font-family: var(--font-body);
    font-size: var(--font-size-sm);
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--color-accent);
    margin-bottom: var(--space-3);
    display: block;
}

/* ============================================
   Utility Bar
============================================ */
.utility-bar {
    background-color: var(--color-primary);
    padding: var(--space-2) 0;
    font-size: var(--font-size-sm);
}

.utility-bar__content {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.utility-bar__left {
    display: flex;
    align-items: center;
    gap: var(--space-4);
    color: var(--color-gray-400);
}

.utility-bar__right {
    display: flex;
    align-items: center;
    gap: var(--space-6);
}

.utility-bar__link {
    color: var(--color-white);
    display: flex;
    align-items: center;
    gap: var(--space-2);
}

.utility-bar__link:hover {
    color: var(--color-accent);
}

.utility-bar__acl {
    color: var(--color-gray-500);
    font-size: var(--font-size-xs);
}

/* ============================================
   Header
============================================ */
.header {
    background-color: var(--color-white);
    position: sticky;
    top: 0;
    z-index: 1000;
    transition: box-shadow var(--transition-base), background-color var(--transition-base);
}

.header--scrolled {
    box-shadow: 0 4px 20px rgba(15,42,68,0.1);
    background-color: rgba(255,255,255,0.97);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
}

.header__inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: var(--space-4) 0;
}

.header__logo {
    flex-shrink: 0;
}

.header__logo img {
    height: 48px;
    width: auto;
}

.header__nav {
    display: none;
}

.header__nav ul {
    display: flex;
    align-items: center;
    gap: var(--space-8);
    list-style: none;
    margin: 0;
    padding: 0;
}

.header__nav a {
    font-family: var(--font-body);
    font-size: var(--font-size-base);
    font-weight: 500;
    color: var(--color-primary);
    padding: var(--space-2) 0;
    position: relative;
}

.header__nav a::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 2px;
    background-color: var(--color-secondary);
    transition: width var(--transition-base);
}

.header__nav a:hover::after,
.header__nav a.active::after {
    width: 100%;
}

.header__cta {
    display: none;
}

.header__mobile-toggle {
    display: flex;
    flex-direction: column;
    gap: 5px;
    padding: var(--space-2);
    background: none;
    border: none;
    cursor: pointer;
}

.header__mobile-toggle span {
    width: 24px;
    height: 2px;
    background-color: var(--color-primary);
    transition: all var(--transition-fast);
}

@media (min-width: 992px) {
    .header__nav {
        display: block;
    }
    
    .header__cta {
        display: block;
    }
    
    .header__mobile-toggle {
        display: none;
    }
}

/* --- Mobile Nav Overlay --- */
.header__nav.is-open {
    display: block;
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100vh;
    background-color: var(--color-white);
    z-index: 999;
    padding: 5rem 2rem 2rem;
    overflow-y: auto;
}
.header__nav.is-open ul {
    flex-direction: column;
    gap: 0;
}
.header__nav.is-open ul li a {
    display: block;
    padding: 1rem 0;
    font-size: var(--font-size-xl);
    border-bottom: 1px solid var(--color-gray-200);
}
.header__mobile-toggle.is-active {
    position: fixed;
    top: 1.25rem;
    right: 1.5rem;
    z-index: 1001;
}
.header__mobile-toggle.is-active span:nth-child(1) {
    transform: rotate(45deg) translate(5px, 5px);
}
.header__mobile-toggle.is-active span:nth-child(2) {
    opacity: 0;
}
.header__mobile-toggle.is-active span:nth-child(3) {
    transform: rotate(-45deg) translate(5px, -5px);
}
body.nav-open {
    overflow: hidden;
}

/* ============================================
   Buttons
============================================ */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: var(--space-2);
    font-family: var(--font-body);
    font-size: var(--font-size-base);
    font-weight: 600;
    padding: var(--space-3) var(--space-6);
    border-radius: var(--radius-full);
    border: 2px solid transparent;
    cursor: pointer;
    transition: all var(--transition-base);
    text-decoration: none;
    line-height: 1.5;
}

.btn--primary {
    background-color: var(--color-secondary);
    color: var(--color-white);
    border-color: var(--color-secondary);
}

.btn--primary:hover {
    background-color: #0a6362;
    border-color: #0a6362;
    color: var(--color-white);
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

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

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

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

.btn--white:hover {
    background-color: var(--color-off-white);
    color: var(--color-primary);
    transform: translateY(-2px);
}

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

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

.btn--lg {
    padding: var(--space-4) var(--space-8);
    font-size: var(--font-size-lg);
}

.btn--sm {
    padding: var(--space-2) var(--space-4);
    font-size: var(--font-size-sm);
}

/* --- Button mobile overrides --- */
@media (max-width: 576px) {
    .btn--lg {
        padding: var(--space-3) var(--space-6);
        font-size: var(--font-size-base);
    }
    .apply-actions {
        flex-direction: column-reverse !important;
        gap: 0.75rem !important;
    }
    .apply-actions .btn {
        width: 100%;
        justify-content: center;
    }
}

/* ============================================
   Sections
============================================ */
.section {
    padding: var(--space-20) 0;
}

@media (max-width: 768px) {
    .section {
        padding: var(--space-12) 0;
    }
    .section--lg {
        padding: var(--space-16) 0;
    }
}

.section--sm {
    padding: var(--space-12) 0;
}

.section--lg {
    padding: var(--space-24) 0;
}

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

.section--gray {
    background-color: var(--color-gray-100);
}

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

.section--navy h1,
.section--navy h2,
.section--navy h3,
.section--navy h4,
.section--navy h5,
.section--navy h6 {
    color: var(--color-white);
}

.section--navy p,
.section--navy .lead {
    color: var(--color-gray-300);
}

.section--navy .eyebrow {
    color: var(--color-accent);
}

.section__header {
    text-align: center;
    max-width: 700px;
    margin: 0 auto var(--space-12);
}

.section__header--left {
    text-align: left;
    margin-left: 0;
}

/* ============================================
   Hero Section
============================================ */
.hero {
    padding: var(--space-24) 0 var(--space-20);
    background: linear-gradient(135deg, var(--color-white) 0%, var(--color-cream) 100%);
    min-height: 85vh;
    display: flex;
    align-items: center;
}

.hero__content {
    max-width: 600px;
}

.hero__title {
    font-size: var(--font-size-6xl);
    margin-bottom: var(--space-6);
    line-height: 1.1;
}

.hero__subtitle {
    font-size: var(--font-size-lg);
    color: var(--color-gray-600);
    margin-bottom: var(--space-8);
    line-height: 1.8;
}

.hero__ctas {
    display: flex;
    flex-wrap: wrap;
    gap: var(--space-4);
    margin-bottom: var(--space-8);
}

.hero__trust {
    display: flex;
    flex-wrap: wrap;
    gap: var(--space-6);
    font-size: var(--font-size-sm);
    color: var(--color-gray-600);
}

.hero__trust-item {
    display: flex;
    align-items: center;
    gap: var(--space-2);
}

.hero__trust-item i {
    color: var(--color-success);
}

@media (max-width: 991px) {
    .hero {
        min-height: auto;
        padding: var(--space-16) 0;
    }
    
    .hero__title {
        font-size: var(--font-size-4xl);
    }
}

/* ============================================
   Trust Strip
============================================ */
.trust-strip {
    background-color: var(--color-cream);
    padding: var(--space-6) 0;
    border-top: 1px solid var(--color-gray-200);
    border-bottom: 1px solid var(--color-gray-200);
}

.trust-strip__label {
    font-size: var(--font-size-sm);
    color: var(--color-gray-500);
    margin-bottom: var(--space-4);
    text-align: center;
}

.trust-strip__logos {
    display: flex;
    align-items: center;
    justify-content: center;
    flex-wrap: wrap;
    gap: var(--space-8);
}

.trust-strip__logo {
    opacity: 0.5;
    filter: grayscale(100%);
    transition: all var(--transition-base);
    max-height: 32px;
    width: auto;
}

.trust-strip__logo:hover {
    opacity: 1;
    filter: grayscale(0%);
}

/* ============================================
   Feature Cards
============================================ */
.feature-cards {
    display: grid;
    grid-template-columns: repeat(1, 1fr);
    gap: var(--space-6);
}

@media (min-width: 768px) {
    .feature-cards {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (min-width: 992px) {
    .feature-cards {
        grid-template-columns: repeat(4, 1fr);
    }
}

.feature-cards--3col {
    grid-template-columns: 1fr;
}
@media (min-width: 900px) {
    .feature-cards--3col {
        grid-template-columns: repeat(2, 1fr);
    }
}
@media (min-width: 1100px) {
    .feature-cards--3col {
        grid-template-columns: repeat(3, 1fr);
    }
}

.feature-card {
    background-color: var(--color-white);
    padding: var(--space-8);
    border-radius: var(--radius-lg);
    transition: all var(--transition-base);
    border: 1px solid var(--color-gray-200);
}

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

.feature-card__icon {
    width: 56px;
    height: 56px;
    display: flex;
    align-items: center;
    justify-content: center;
    background-color: var(--color-secondary);
    background: linear-gradient(135deg, var(--color-secondary), #0a6362);
    color: var(--color-white);
    border-radius: var(--radius-md);
    font-size: var(--font-size-2xl);
    margin-bottom: var(--space-5);
}

.feature-card__title {
    font-size: var(--font-size-lg);
    font-family: var(--font-body);
    font-weight: 600;
    margin-bottom: var(--space-3);
}

.feature-card__text {
    font-size: var(--font-size-base);
    color: var(--color-gray-600);
    margin-bottom: 0;
}

/* ============================================
   Process Steps
============================================ */
.process-steps {
    display: grid;
    grid-template-columns: repeat(1, 1fr);
    gap: var(--space-8);
    position: relative;
}

@media (min-width: 768px) {
    .process-steps {
        grid-template-columns: repeat(3, 1fr);
    }
    
    .process-steps::before {
        content: '';
        position: absolute;
        top: 40px;
        left: calc(16.66% + 24px);
        right: calc(16.66% + 24px);
        height: 2px;
        background: linear-gradient(90deg, var(--color-accent), var(--color-secondary));
        opacity: 0.3;
    }
}

.process-step {
    text-align: center;
    position: relative;
}

.process-step__number {
    width: 80px;
    height: 80px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-display);
    font-size: var(--font-size-3xl);
    color: var(--color-accent);
    border: 2px solid var(--color-accent);
    border-radius: 50%;
    margin: 0 auto var(--space-6);
    background-color: var(--color-primary);
    position: relative;
    z-index: 1;
}

.process-step__title {
    color: var(--color-white);
    margin-bottom: var(--space-3);
}

.process-step__text {
    color: var(--color-gray-400);
    max-width: 280px;
    margin: 0 auto;
}

/* ============================================
   Calculator Preview
============================================ */
.calculator-preview {
    background-color: var(--color-white);
    border-radius: var(--radius-xl);
    padding: var(--space-8);
    box-shadow: var(--shadow-xl);
}

.calculator-preview__header {
    margin-bottom: var(--space-6);
}

.calculator-preview__title {
    font-size: var(--font-size-xl);
    margin-bottom: var(--space-2);
}

.calculator-preview__slider {
    margin-bottom: var(--space-6);
}

.calculator-preview__label {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: var(--space-3);
    font-size: var(--font-size-sm);
    font-weight: 500;
}

.calculator-preview__value {
    color: var(--color-secondary);
    font-weight: 600;
}

.calculator-preview__result {
    background-color: var(--color-gray-100);
    border-radius: var(--radius-md);
    padding: var(--space-6);
    text-align: center;
}

.calculator-preview__result-label {
    font-size: var(--font-size-sm);
    color: var(--color-gray-600);
    margin-bottom: var(--space-2);
}

.calculator-preview__result-value {
    font-family: var(--font-display);
    font-size: var(--font-size-4xl);
    color: var(--color-success);
}

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

@media (min-width: 768px) {
    .testimonials-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (min-width: 992px) {
    .testimonials-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

.testimonial-card {
    background-color: var(--color-white);
    padding: var(--space-8);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--color-gray-200);
}

.testimonial-card__quote {
    font-size: var(--font-size-3xl);
    color: var(--color-accent);
    line-height: 1;
    margin-bottom: var(--space-4);
}

.testimonial-card__text {
    font-style: italic;
    color: var(--color-gray-700);
    margin-bottom: var(--space-6);
    line-height: 1.8;
}

.testimonial-card__divider {
    height: 1px;
    background-color: var(--color-gray-200);
    margin-bottom: var(--space-4);
}

.testimonial-card__author {
    font-weight: 600;
    color: var(--color-primary);
    margin-bottom: var(--space-1);
}

.testimonial-card__location {
    font-size: var(--font-size-sm);
    color: var(--color-gray-500);
    margin-bottom: var(--space-3);
}

.testimonial-card__rating {
    color: var(--color-accent);
    margin-bottom: var(--space-3);
}

.testimonial-card__savings {
    display: inline-block;
    background-color: var(--color-success);
    color: var(--color-white);
    font-size: var(--font-size-sm);
    font-weight: 600;
    padding: var(--space-1) var(--space-3);
    border-radius: var(--radius-full);
}

/* ============================================
   Blog Preview
============================================ */
.blog-grid {
    display: grid;
    grid-template-columns: repeat(1, 1fr);
    gap: var(--space-6);
}

@media (min-width: 768px) {
    .blog-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (min-width: 992px) {
    .blog-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

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

.blog-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}

.blog-card__image {
    position: relative;
    padding-top: 56.25%;
    overflow: hidden;
    background: linear-gradient(135deg, var(--color-primary) 0%, #1a3a5c 60%, var(--color-secondary) 100%);
}

.blog-card__image img {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform var(--transition-slow);
}

.blog-card:hover .blog-card__image img {
    transform: scale(1.05);
}

.blog-card__category {
    position: absolute;
    top: var(--space-4);
    left: var(--space-4);
    background-color: var(--color-secondary);
    color: var(--color-white);
    font-size: var(--font-size-xs);
    font-weight: 600;
    padding: var(--space-1) var(--space-3);
    border-radius: var(--radius-full);
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.blog-card__content {
    padding: var(--space-6);
}

.blog-card__title {
    font-size: var(--font-size-lg);
    font-family: var(--font-body);
    font-weight: 600;
    margin-bottom: var(--space-3);
    line-height: 1.4;
}

.blog-card__title a {
    color: var(--color-primary);
}

.blog-card__title a:hover {
    color: var(--color-secondary);
}

.blog-card__excerpt {
    font-size: var(--font-size-base);
    color: var(--color-gray-600);
    margin-bottom: var(--space-4);
    display: -webkit-box;
    -webkit-line-clamp: 2;
    -webkit-box-orient: vertical;
    overflow: hidden;
}

.blog-card__meta {
    display: flex;
    align-items: center;
    gap: var(--space-4);
    font-size: var(--font-size-sm);
    color: var(--color-gray-500);
}

/* ============================================
   CTA Banner
============================================ */
.cta-banner {
    background: linear-gradient(135deg, var(--color-secondary) 0%, #0a6362 100%);
    padding: var(--space-16) 0;
    text-align: center;
}

.cta-banner__title {
    color: var(--color-white);
    margin-bottom: var(--space-4);
}

.cta-banner__text {
    color: var(--color-gray-200);
    max-width: 600px;
    margin: 0 auto var(--space-8);
}

.cta-banner__buttons {
    display: flex;
    justify-content: center;
    flex-wrap: wrap;
    gap: var(--space-4);
}

/* ============================================
   Footer
============================================ */
.footer {
    background-color: var(--color-primary);
    color: var(--color-gray-400);
    padding-top: var(--space-16);
}

.footer__grid {
    display: grid;
    grid-template-columns: repeat(1, 1fr);
    gap: var(--space-8);
    padding-bottom: var(--space-12);
    border-bottom: 1px solid rgba(255,255,255,0.1);
}

@media (min-width: 768px) {
    .footer__grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (min-width: 992px) {
    .footer__grid {
        grid-template-columns: 2fr 1fr 1fr 1fr;
    }
}

.footer__brand {
    max-width: 300px;
}

.footer__logo {
    margin-bottom: var(--space-4);
}

.footer__logo img {
    height: 40px;
    width: auto;
}

.footer__tagline {
    font-size: var(--font-size-base);
    line-height: 1.7;
    margin-bottom: var(--space-6);
}

.footer__social {
    display: flex;
    gap: var(--space-3);
}

.footer__social a {
    width: 40px;
    height: 40px;
    display: flex;
    align-items: center;
    justify-content: center;
    background-color: rgba(255,255,255,0.1);
    color: var(--color-white);
    border-radius: var(--radius-md);
    transition: all var(--transition-fast);
}

.footer__social a:hover {
    background-color: var(--color-secondary);
    transform: translateY(-2px);
}

.footer__heading {
    font-family: var(--font-body);
    font-size: var(--font-size-base);
    font-weight: 600;
    color: var(--color-white);
    margin-bottom: var(--space-4);
}

.footer__links {
    list-style: none;
    padding: 0;
    margin: 0;
}

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

.footer__links a {
    color: var(--color-gray-400);
    font-size: var(--font-size-base);
    transition: color var(--transition-fast);
}

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

.footer__bottom {
    padding: var(--space-6) 0;
    display: flex;
    flex-wrap: wrap;
    justify-content: space-between;
    align-items: center;
    gap: var(--space-4);
}

.footer__copyright {
    font-size: var(--font-size-sm);
}

.footer__legal {
    display: flex;
    gap: var(--space-4);
    font-size: var(--font-size-sm);
}

.footer__legal a {
    color: var(--color-gray-400);
}

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

.footer__acl {
    font-size: var(--font-size-xs);
    color: var(--color-gray-500);
    width: 100%;
    text-align: center;
    margin-top: var(--space-4);
    padding-top: var(--space-4);
    border-top: 1px solid rgba(255,255,255,0.05);
}

/* ============================================
   Calculator Page Styles
============================================ */
.calculator-block {
    background-color: var(--color-white);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-xl);
    overflow: hidden;
}

.calculator-disclaimer {
    background-color: var(--color-cream);
    padding: var(--space-4) var(--space-6);
    border-left: 4px solid var(--color-accent);
    margin-bottom: var(--space-6);
}

.calculator-disclaimer p {
    font-size: var(--font-size-sm);
    color: var(--color-gray-700);
    margin: 0;
}

.calculator-inputs {
    padding: var(--space-8);
}

.calculator-results {
    background-color: var(--color-gray-100);
    padding: var(--space-8);
}

.calculator-result-primary {
    text-align: center;
    padding: var(--space-8);
    background-color: var(--color-white);
    border-radius: var(--radius-lg);
    margin-bottom: var(--space-6);
}

.calculator-result-primary__label {
    font-size: var(--font-size-sm);
    color: var(--color-gray-600);
    margin-bottom: var(--space-2);
}

/* --- Calculator Result Value Animation --- */
.calculator-result-primary__value {
    font-family: var(--font-display);
    font-size: var(--font-size-5xl);
    color: var(--color-success);
    transition: transform 0.4s cubic-bezier(0.16, 1, 0.3, 1);
}
.calculator-result-primary__value.is-updated {
    animation: countPulse 0.5s ease-out;
}

.calculator-result-secondary {
    display: grid;
    gap: var(--space-4);
}

.calculator-result-item {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: var(--space-3);
    background-color: var(--color-white);
    border-radius: var(--radius-md);
    transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.calculator-result-item:hover {
    transform: translateX(4px);
    box-shadow: var(--shadow-sm);
}

.calculator-result-item__label {
    font-size: var(--font-size-sm);
    color: var(--color-gray-600);
}

.calculator-result-item__value {
    font-weight: 600;
    color: var(--color-primary);
}

/* ============================================
   Forms
============================================ */
.form-group {
    margin-bottom: var(--space-6);
}

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

.form-control {
    width: 100%;
    padding: var(--space-3) var(--space-4);
    font-family: var(--font-body);
    font-size: var(--font-size-base);
    border: 1px solid var(--color-gray-300);
    border-radius: var(--radius-md);
    transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}

.form-control:focus {
    outline: none;
    border-color: var(--color-secondary);
    box-shadow: 0 0 0 3px rgba(13, 115, 119, 0.1);
}

.form-control::placeholder {
    color: var(--color-gray-400);
}

/* ============================================
   Page Header
============================================ */
.page-header {
    background: linear-gradient(135deg, var(--color-primary) 0%, #1a3a5c 100%);
    padding: var(--space-24) 0 var(--space-16);
    text-align: center;
}

.page-header__breadcrumb {
    display: flex;
    justify-content: center;
    gap: var(--space-2);
    font-size: var(--font-size-sm);
    color: var(--color-gray-400);
    margin-bottom: var(--space-4);
}

.page-header__breadcrumb a {
    color: var(--color-gray-400);
}

.page-header__breadcrumb a:hover {
    color: var(--color-white);
}

.page-header__breadcrumb span {
    color: var(--color-accent);
}

.page-header__title {
    color: var(--color-white);
    margin-bottom: var(--space-4);
}

.page-header__subtitle {
    color: var(--color-gray-300);
    max-width: 600px;
    margin: 0 auto;
}

/* ============================================
   Application Flow
============================================ */
.application-progress {
    display: flex;
    justify-content: center;
    gap: var(--space-2);
    margin-bottom: var(--space-10);
    flex-wrap: wrap;
}

.application-progress__step {
    display: flex;
    align-items: center;
    gap: var(--space-3);
    padding: var(--space-3) var(--space-5);
    background-color: var(--color-gray-100);
    border-radius: var(--radius-full);
    font-size: var(--font-size-sm);
    color: var(--color-gray-500);
    white-space: nowrap;
}

@media (max-width: 768px) {
    .application-progress {
        flex-direction: column;
        align-items: stretch;
        gap: var(--space-2);
    }
    .application-progress__step {
        justify-content: center;
        padding: var(--space-2) var(--space-4);
        font-size: var(--font-size-xs);
    }
}

.application-progress__step--active {
    background-color: var(--color-secondary);
    color: var(--color-white);
}

.application-progress__step--complete {
    background-color: var(--color-success);
    color: var(--color-white);
}

.application-progress__number {
    width: 24px;
    height: 24px;
    display: flex;
    align-items: center;
    justify-content: center;
    background-color: rgba(255,255,255,0.2);
    border-radius: 50%;
    font-weight: 600;
}

/* ============================================
   Animations
============================================ */
.wow {
    visibility: hidden;
}

.animated {
    animation-duration: 0.8s;
    animation-fill-mode: both;
}

/* --- Scroll Reveal System (IntersectionObserver) --- */
.reveal {
    opacity: 0;
    transform: translateY(32px);
    transition: opacity 0.7s cubic-bezier(0.16, 1, 0.3, 1),
                transform 0.7s cubic-bezier(0.16, 1, 0.3, 1);
}
.reveal.is-visible {
    opacity: 1;
    transform: translateY(0);
}
.reveal-d1 { transition-delay: 0.1s; }
.reveal-d2 { transition-delay: 0.2s; }
.reveal-d3 { transition-delay: 0.3s; }
.reveal-d4 { transition-delay: 0.4s; }
.reveal-d5 { transition-delay: 0.5s; }
.reveal-d6 { transition-delay: 0.6s; }

.reveal-left {
    opacity: 0;
    transform: translateX(-40px);
    transition: opacity 0.7s cubic-bezier(0.16, 1, 0.3, 1),
                transform 0.7s cubic-bezier(0.16, 1, 0.3, 1);
}
.reveal-left.is-visible {
    opacity: 1;
    transform: translateX(0);
}

.reveal-right {
    opacity: 0;
    transform: translateX(40px);
    transition: opacity 0.7s cubic-bezier(0.16, 1, 0.3, 1),
                transform 0.7s cubic-bezier(0.16, 1, 0.3, 1);
}
.reveal-right.is-visible {
    opacity: 1;
    transform: translateX(0);
}

.reveal-scale {
    opacity: 0;
    transform: scale(0.92);
    transition: opacity 0.6s cubic-bezier(0.16, 1, 0.3, 1),
                transform 0.6s cubic-bezier(0.16, 1, 0.3, 1);
}
.reveal-scale.is-visible {
    opacity: 1;
    transform: scale(1);
}

/* --- Core Keyframe Library --- */
.fadeInUp {
    animation-name: fadeInUp;
}

@keyframes fadeInUp {
    from { opacity: 0; transform: translateY(30px); }
    to   { opacity: 1; transform: translateY(0); }
}

.fadeInLeft {
    animation-name: fadeInLeft;
}

@keyframes fadeInLeft {
    from { opacity: 0; transform: translateX(-30px); }
    to   { opacity: 1; transform: translateX(0); }
}

.fadeInRight {
    animation-name: fadeInRight;
}

@keyframes fadeInRight {
    from { opacity: 0; transform: translateX(30px); }
    to   { opacity: 1; transform: translateX(0); }
}

@keyframes slideInBack {
    from { opacity: 0; transform: translateX(-20px) scale(0.8); }
    to   { opacity: 1; transform: translateX(0) scale(1); }
}

@keyframes subtlePulse {
    0%, 100% { box-shadow: 0 0 0 0 rgba(14,124,123,0.25); }
    50%      { box-shadow: 0 0 0 8px rgba(14,124,123,0); }
}

@keyframes shimmer {
    0%   { background-position: -200% 0; }
    100% { background-position: 200% 0; }
}

@keyframes float {
    0%, 100% { transform: translateY(0); }
    50%      { transform: translateY(-8px); }
}

@keyframes gentleSpin {
    from { transform: rotate(0deg); }
    to   { transform: rotate(360deg); }
}

@keyframes countPulse {
    0%   { transform: scale(1); }
    50%  { transform: scale(1.08); }
    100% { transform: scale(1); }
}

@keyframes gradientShift {
    0%   { background-position: 0% 50%; }
    50%  { background-position: 100% 50%; }
    100% { background-position: 0% 50%; }
}

@keyframes borderGlow {
    0%, 100% { border-color: var(--color-accent); box-shadow: 0 0 0 0 rgba(199,165,91,0.2); }
    50%      { border-color: var(--color-secondary); box-shadow: 0 0 16px 0 rgba(14,124,123,0.15); }
}

/* --- Button Hover Micro-Animations --- */
.btn {
    position: relative;
    overflow: hidden;
}

.btn--primary::after,
.btn--white::after {
    content: '';
    position: absolute;
    top: 0; left: -100%;
    width: 200%; height: 100%;
    background: linear-gradient(
        90deg, transparent 0%, rgba(255,255,255,0.15) 50%, transparent 100%
    );
    transition: none;
}
.btn--primary:hover::after,
.btn--white:hover::after {
    animation: shimmer 0.6s ease-out forwards;
}

.btn--secondary:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

/* --- Card Hover Lift --- */
.feature-card {
    transition: transform 0.35s cubic-bezier(0.16, 1, 0.3, 1),
                box-shadow 0.35s cubic-bezier(0.16, 1, 0.3, 1);
}
.feature-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-xl);
}

.feature-card__icon {
    transition: transform 0.35s cubic-bezier(0.16, 1, 0.3, 1);
}
.feature-card:hover .feature-card__icon {
    transform: scale(1.1) rotate(-3deg);
}

/* --- Testimonial Card Hover --- */
.testimonial-card {
    transition: transform 0.35s cubic-bezier(0.16, 1, 0.3, 1),
                box-shadow 0.35s cubic-bezier(0.16, 1, 0.3, 1);
}
.testimonial-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}

/* --- Process Step Number Animation --- */
.process-step__number {
    transition: transform 0.4s cubic-bezier(0.16, 1, 0.3, 1),
                box-shadow 0.4s cubic-bezier(0.16, 1, 0.3, 1);
}
.process-step:hover .process-step__number {
    transform: scale(1.08);
    box-shadow: 0 0 24px rgba(199,165,91,0.3);
}

/* --- CTA Banner Background Animation --- */
.cta-banner {
    background-size: 200% 200%;
    animation: gradientShift 6s ease infinite;
}

/* --- Footer Social Hover --- */
.footer__social a {
    transition: background-color 0.25s ease, transform 0.25s ease, box-shadow 0.25s ease;
}
.footer__social a:hover {
    background-color: var(--color-secondary);
    transform: translateY(-3px);
    box-shadow: 0 4px 12px rgba(14,124,123,0.35);
}

/* --- Footer Link Slide Underline --- */
.footer__links a {
    position: relative;
}
.footer__links a::after {
    content: '';
    position: absolute;
    bottom: -2px; left: 0;
    width: 0; height: 1px;
    background-color: var(--color-accent);
    transition: width 0.3s ease;
}
.footer__links a:hover::after {
    width: 100%;
}

/* --- Header Nav Link Hover Glow --- */
.header__nav a {
    transition: color 0.25s ease;
}
.header__nav a:hover {
    color: var(--color-secondary);
}

/* --- Page Header Parallax Overlay --- */
.page-header {
    position: relative;
    overflow: hidden;
}
.page-header::before {
    content: '';
    position: absolute;
    top: -30%; right: -10%;
    width: 400px; height: 400px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(199,165,91,0.08) 0%, transparent 70%);
    pointer-events: none;
}
.page-header::after {
    content: '';
    position: absolute;
    bottom: -40%; left: -5%;
    width: 300px; height: 300px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(14,124,123,0.08) 0%, transparent 70%);
    pointer-events: none;
}

/* --- Form Focus Animation --- */
.form-control {
    transition: border-color 0.25s ease, box-shadow 0.25s ease, transform 0.15s ease;
}
.form-control:focus {
    transform: translateY(-1px);
}

/* --- Counter Animation Pulse --- */
[data-counter].is-counted {
    animation: countPulse 0.4s ease-out;
}

/* --- Floating Accent Element --- */
.hero-float-accent {
    position: absolute;
    border-radius: 50%;
    opacity: 0.07;
    pointer-events: none;
    animation: float 4s ease-in-out infinite;
}

/* --- Wizard Back Button Animation --- */
.wizard-back.is-entering {
    animation: slideInBack 0.35s cubic-bezier(0.16, 1, 0.3, 1) forwards;
}
.wizard-back.is-entering:first-of-type {
    animation: slideInBack 0.35s cubic-bezier(0.16, 1, 0.3, 1) forwards, subtlePulse 1.5s ease-in-out 0.4s 2;
}

/* --- Blog card hover image zoom --- */
.blog-card__image::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0; bottom: 0;
    background: linear-gradient(135deg, rgba(15,42,68,0.1) 0%, rgba(14,124,123,0.1) 100%);
    z-index: 1;
    opacity: 0;
    transition: opacity 0.35s ease;
    pointer-events: none;
}
.blog-card:hover .blog-card__image::before {
    opacity: 1;
}

/* --- Section Separator Decorative Lines --- */
.section--navy::before {
    content: '';
    position: absolute;
    top: 0; left: 50%;
    transform: translateX(-50%);
    width: 60px; height: 3px;
    background: linear-gradient(90deg, var(--color-accent), var(--color-secondary));
    border-radius: 2px;
}
.section--navy { position: relative; }

/* --- Reduce motion for accessibility --- */
@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after {
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.01ms !important;
    }
    .reveal, .reveal-left, .reveal-right, .reveal-scale {
        opacity: 1 !important;
        transform: none !important;
        transition: none !important;
    }
}

/* ============================================
   Utility Classes
============================================ */
.text-center { text-align: center; }
.text-left { text-align: left; }
.text-right { text-align: right; }

.mb-0 { margin-bottom: 0 !important; }
.mb-4 { margin-bottom: var(--space-4); }
.mb-6 { margin-bottom: var(--space-6); }
.mb-8 { margin-bottom: var(--space-8); }

.mt-0 { margin-top: 0 !important; }
.mt-4 { margin-top: var(--space-4); }
.mt-6 { margin-top: var(--space-6); }
.mt-8 { margin-top: var(--space-8); }

.pt-0 { padding-top: 0 !important; }
.pb-0 { padding-bottom: 0 !important; }

.d-none { display: none !important; }
.d-block { display: block !important; }
.d-flex { display: flex !important; }

@media (min-width: 768px) {
    .d-md-none { display: none !important; }
    .d-md-block { display: block !important; }
    .d-md-flex { display: flex !important; }
}

@media (min-width: 992px) {
    .d-lg-none { display: none !important; }
    .d-lg-block { display: block !important; }
    .d-lg-flex { display: flex !important; }
}

/* ============================================
   Back to Top
============================================ */
.back-to-top {
    position: fixed;
    bottom: 2rem;
    right: 2rem;
    width: 44px;
    height: 44px;
    display: flex;
    align-items: center;
    justify-content: center;
    background-color: var(--color-secondary);
    color: var(--color-white);
    border-radius: var(--radius-md);
    font-size: var(--font-size-base);
    opacity: 0;
    visibility: hidden;
    transform: translateY(10px);
    transition: opacity var(--transition-base), visibility var(--transition-base), transform var(--transition-base);
    z-index: 900;
    box-shadow: var(--shadow-md);
}

.back-to-top:hover {
    background-color: var(--color-primary);
    color: var(--color-white);
    transform: translateY(-2px);
}

.back-to-top.is-visible {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

/* ============================================
   Container Override
============================================ */
.container {
    max-width: 1200px;
}

/* ============================================
   Related Calculator Links
============================================ */
@media (max-width: 576px) {
    [data-testid*="-related"] [style*="grid-template-columns:repeat(2,1fr)"] {
        grid-template-columns: 1fr !important;
    }
}

/* ============================================
   About Stats Grid
============================================ */
@media (max-width: 480px) {
    .stats-grid {
        grid-template-columns: 1fr !important;
        gap: 1.5rem !important;
    }
}

/* ============================================
   Application Trust Bar
============================================ */
@media (max-width: 576px) {
    [data-testid="apply-trust-bar"] {
        flex-direction: column;
        align-items: center;
        gap: 0.5rem !important;
    }
}

/* ============================================
   Blog Card Image Placeholder
============================================ */
.blog-card__image::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 50%;
    background: linear-gradient(to top, rgba(15,42,68,0.3), transparent);
    pointer-events: none;
}