/* ==========================================================================
   FinCompass — Modern Financial Navigation Stylesheet
   Brand: FinCompass (fincompass.biz)
   Theme: Deep Nordic Slate (#0A192F) & Compass Mint/Teal (#0D9488, #14B8A6)
   ========================================================================== */

/* --- CSS Variables & Design Tokens --- */
:root {
    --bg-primary: #0A192F;
    --bg-secondary: #0F172A;
    --bg-surface: #1E293B;
    --bg-light: #F8FAFC;
    --bg-card: #FFFFFF;
    --bg-muted: #F1F5F9;

    --teal-primary: #0D9488;
    --teal-light: #14B8A6;
    --teal-glow: #99F6E4;
    --teal-dark: #0F766E;

    --text-main: #0F172A;
    --text-muted: #64748B;
    --text-subtle: #94A3B8;
    --text-white: #FFFFFF;

    --border-color: #E2E8F0;
    --border-dark: rgba(255, 255, 255, 0.1);
    --border-focus: #0D9488;

    --font-heading: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
    --font-body: 'Inter', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;

    --radius-sm: 8px;
    --radius-md: 12px;
    --radius-lg: 16px;
    --radius-xl: 24px;
    --radius-pill: 9999px;

    --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
    --shadow-md: 0 4px 12px rgba(0,0,0,0.06);
    --shadow-lg: 0 10px 25px -5px rgba(0,0,0,0.1);
    --shadow-glow: 0 8px 25px rgba(13, 148, 136, 0.35);

    --transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
}

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

html {
    scroll-behavior: smooth;
    font-size: 16px;
    -webkit-text-size-adjust: 100%;
}

body {
    font-family: var(--font-body);
    color: var(--text-main);
    background-color: var(--bg-light);
    line-height: 1.5;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    overflow-x: hidden;
}

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

img, svg {
    display: block;
    max-width: 100%;
}

button, input {
    font-family: inherit;
    border: none;
    outline: none;
}

.text-teal {
    background: linear-gradient(135deg, #14B8A6 0%, #99F6E4 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
}

.text-success {
    color: #10B981 !important;
}

/* ==========================================================================
   Header Section
   ========================================================================== */
.site-header {
    position: relative;
    z-index: 100;
    background-color: rgba(10, 25, 47, 0.95);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--border-dark);
    height: 72px;
    display: flex;
    align-items: center;
}

.header-container {
    max-width: 1240px;
    width: 100%;
    margin: 0 auto;
    padding: 0 20px;
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.brand-logo {
    display: flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
}

.logo-icon-wrap {
    width: 42px;
    height: 42px;
    border-radius: var(--radius-md);
    background: linear-gradient(135deg, #0D9488 0%, #14B8A6 100%);
    display: flex;
    align-items: center;
    justify-content: center;
    color: #FFFFFF;
    box-shadow: 0 4px 12px rgba(13, 148, 136, 0.3);
}

.logo-text-group {
    display: flex;
    flex-direction: column;
}

.brand-title {
    font-family: var(--font-heading);
    font-size: 22px;
    font-weight: 800;
    color: #FFFFFF;
    letter-spacing: -0.5px;
    line-height: 1.1;
}

.brand-tagline {
    font-size: 9px;
    font-weight: 700;
    letter-spacing: 1.2px;
    color: var(--teal-light);
    margin-top: 2px;
}

.nav-menu {
    display: flex;
    align-items: center;
    gap: 24px;
}

.nav-item {
    font-size: 14px;
    font-weight: 500;
    color: #CBD5E1;
    padding: 6px 0;
    position: relative;
}

.nav-item:hover, .nav-item.active {
    color: #FFFFFF;
}

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

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

.header-actions {
    display: flex;
    align-items: center;
    gap: 16px;
}

.header-phone {
    display: flex;
    align-items: center;
    gap: 8px;
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.12);
    color: #FFFFFF;
    padding: 8px 14px;
    border-radius: var(--radius-pill);
    font-size: 13px;
    font-weight: 600;
}

.header-phone:hover {
    background: rgba(13, 148, 136, 0.2);
    border-color: var(--teal-light);
    color: var(--teal-glow);
}

.burger-btn {
    display: none;
    flex-direction: column;
    justify-content: space-between;
    width: 32px;
    height: 22px;
    background: transparent;
    cursor: pointer;
    padding: 0;
}

.burger-line {
    width: 100%;
    height: 2.5px;
    background-color: #FFFFFF;
    border-radius: 2px;
    transition: var(--transition);
}

/* ==========================================================================
   Mobile Drawer
   ========================================================================== */
.mobile-drawer {
    position: fixed;
    top: 0;
    right: -320px;
    width: 300px;
    height: 100vh;
    background: var(--bg-secondary);
    z-index: 1000;
    padding: 24px;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    transition: right 0.35s cubic-bezier(0.16, 1, 0.3, 1);
    box-shadow: -10px 0 30px rgba(0,0,0,0.5);
}

.mobile-drawer.active {
    right: 0;
}

.drawer-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding-bottom: 16px;
    border-bottom: 1px solid var(--border-dark);
}

.drawer-brand {
    font-family: var(--font-heading);
    font-size: 20px;
    font-weight: 800;
    color: #FFFFFF;
}

.drawer-close {
    background: transparent;
    color: #FFFFFF;
    font-size: 32px;
    line-height: 1;
    cursor: pointer;
}

.drawer-nav {
    display: flex;
    flex-direction: column;
    gap: 14px;
    margin: 24px 0;
    overflow-y: auto;
}

.drawer-link {
    font-size: 15px;
    font-weight: 500;
    color: #CBD5E1;
    padding: 8px 0;
    border-bottom: 1px solid rgba(255,255,255,0.05);
}

.drawer-link:hover {
    color: var(--teal-light);
}

.drawer-footer {
    padding-top: 16px;
    border-top: 1px solid var(--border-dark);
}

.drawer-phone-btn {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    background: var(--teal-primary);
    color: #FFFFFF;
    padding: 12px;
    border-radius: var(--radius-md);
    font-weight: 700;
    font-size: 14px;
    margin-bottom: 8px;
}

.drawer-copy {
    font-size: 11px;
    color: var(--text-subtle);
    text-align: center;
}

.drawer-overlay {
    position: fixed;
    top: 0;
    left: 0;
    width: 100vw;
    height: 100vh;
    background: rgba(0, 0, 0, 0.7);
    backdrop-filter: blur(4px);
    z-index: 999;
    opacity: 0;
    visibility: hidden;
    transition: var(--transition);
}

.drawer-overlay.active {
    opacity: 1;
    visibility: visible;
}

/* ==========================================================================
   Hero & Loan Console Section
   ========================================================================== */
.hero-section {
    background: radial-gradient(circle at 50% 0%, #1E3A5F 0%, var(--bg-primary) 70%);
    padding: 60px 20px 70px;
    position: relative;
    overflow: hidden;
}

.hero-shell {
    max-width: 900px;
    margin: 0 auto;
    text-align: center;
    position: relative;
    z-index: 2;
}

.hero-header-box {
    margin-bottom: 36px;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(13, 148, 136, 0.15);
    border: 1px solid rgba(20, 184, 166, 0.3);
    color: var(--teal-glow);
    padding: 6px 16px;
    border-radius: var(--radius-pill);
    font-size: 13px;
    font-weight: 600;
    margin-bottom: 18px;
}

.badge-dot {
    width: 8px;
    height: 8px;
    background-color: var(--teal-light);
    border-radius: 50%;
    box-shadow: 0 0 8px var(--teal-light);
}

.hero-title {
    font-family: var(--font-heading);
    font-size: 40px;
    font-weight: 800;
    color: #FFFFFF;
    line-height: 1.2;
    margin-bottom: 16px;
    letter-spacing: -0.5px;
}

.hero-desc {
    font-size: 16px;
    color: #CBD5E1;
    max-width: 720px;
    margin: 0 auto;
    line-height: 1.6;
}

/* --- Streamlined Loan Console Card --- */
.loan-console {
    background: var(--bg-surface);
    border: 1px solid rgba(255, 255, 255, 0.12);
    border-radius: var(--radius-xl);
    padding: 36px 32px;
    box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.5);
    text-align: left;
}

.console-top-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 24px;
}

.console-label {
    font-size: 15px;
    font-weight: 500;
    color: #94A3B8;
}

.console-amount-val {
    font-family: var(--font-heading);
    font-size: 38px;
    font-weight: 800;
    color: #14B8A6;
    letter-spacing: -0.5px;
}

/* Slider */
.slider-wrapper {
    margin-bottom: 24px;
}

.loan-range-slider {
    -webkit-appearance: none;
    width: 100%;
    height: 8px;
    border-radius: 4px;
    background: #334155;
    outline: none;
    cursor: pointer;
}

.loan-range-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: #14B8A6;
    cursor: pointer;
    box-shadow: 0 0 14px rgba(20, 184, 166, 0.6);
    border: 3px solid #FFFFFF;
    transition: transform 0.15s ease;
}

.loan-range-slider::-webkit-slider-thumb:hover {
    transform: scale(1.15);
}

.slider-ticks {
    display: flex;
    justify-content: space-between;
    margin-top: 10px;
    font-size: 12px;
    font-weight: 600;
    color: #64748B;
}

/* Quick Chips */
.quick-chips-group {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 28px;
}

.amount-chip {
    flex: 1;
    min-width: 75px;
    background: #0F172A;
    border: 1px solid #334155;
    color: #CBD5E1;
    padding: 9px 12px;
    border-radius: var(--radius-pill);
    font-size: 13px;
    font-weight: 600;
    cursor: pointer;
    text-align: center;
    transition: var(--transition);
}

.amount-chip:hover {
    border-color: #14B8A6;
    color: #FFFFFF;
}

.amount-chip.active {
    background: var(--teal-primary);
    border-color: var(--teal-light);
    color: #FFFFFF;
    box-shadow: 0 4px 12px rgba(13, 148, 136, 0.3);
}

/* Summary Row */
.console-summary-row {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 12px;
    background: rgba(15, 23, 42, 0.6);
    border: 1px solid rgba(255, 255, 255, 0.06);
    border-radius: var(--radius-md);
    padding: 16px;
    margin-bottom: 28px;
}

.console-summary-item {
    display: flex;
    flex-direction: column;
    gap: 4px;
}

.cs-label {
    font-size: 12px;
    color: #94A3B8;
}

.cs-val {
    font-size: 15px;
    font-weight: 700;
    color: #FFFFFF;
}

/* Action Row */
.console-action-row {
    display: flex;
}

.btn-console-cta {
    width: 100%;
    height: 56px;
    background: linear-gradient(135deg, #0D9488 0%, #14B8A6 100%);
    color: #FFFFFF;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    border-radius: var(--radius-md);
    font-family: var(--font-heading);
    font-size: 17px;
    font-weight: 700;
    box-shadow: var(--shadow-glow);
    transition: var(--transition);
}

.btn-console-cta:hover {
    transform: translateY(-2px);
    box-shadow: 0 12px 28px rgba(13, 148, 136, 0.45);
}

/* ==========================================================================
   Offers Catalog Section
   ========================================================================== */
.catalog-section {
    padding: 70px 20px;
    background-color: var(--bg-light);
}

.catalog-shell {
    max-width: 1240px;
    margin: 0 auto;
}

.catalog-heading-box {
    text-align: center;
    margin-bottom: 48px;
}

.catalog-tag {
    display: inline-block;
    background: rgba(13, 148, 136, 0.1);
    color: var(--teal-primary);
    font-size: 12px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    padding: 4px 14px;
    border-radius: var(--radius-pill);
    margin-bottom: 12px;
}

.catalog-title {
    font-family: var(--font-heading);
    font-size: 32px;
    font-weight: 800;
    color: var(--text-main);
    margin-bottom: 12px;
}

.catalog-subtitle {
    font-size: 15px;
    color: var(--text-muted);
    max-width: 600px;
    margin: 0 auto;
}

.offers-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

/* --- Offer Card (Symmetrical & High-Polish) --- */
.offer-card {
    background: var(--bg-card);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-lg);
    padding: 18px 20px 22px;
    position: relative;
    display: flex;
    flex-direction: column;
    transition: var(--transition);
    box-shadow: var(--shadow-sm);
}

.offer-card:hover {
    transform: translateY(-4px);
    border-color: #CBD5E1;
    box-shadow: var(--shadow-lg);
}

.offer-promo-badge {
    position: absolute;
    top: 14px;
    right: 14px;
    background: #FEF3C7;
    border: 1px solid #FDE68A;
    color: #B45309;
    font-size: 11px;
    font-weight: 700;
    padding: 4px 10px;
    border-radius: var(--radius-pill);
    z-index: 2;
}

.card-logo-container {
    height: 70px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-top: 4px;
    margin-bottom: 12px;
    padding: 0 10px;
}

.card-logo-img {
    max-height: 58px;
    max-width: 185px;
    width: auto;
    height: auto;
    object-fit: contain;
    filter: drop-shadow(0 1px 2px rgba(0, 0, 0, 0.04));
    transition: transform 0.2s ease;
}

.offer-card:hover .card-logo-img {
    transform: scale(1.04);
}

.card-amount-metric {
    text-align: center;
    margin-bottom: 14px;
}

.amount-caption {
    display: block;
    font-size: 11px;
    font-weight: 600;
    color: #64748B;
    text-transform: uppercase;
    letter-spacing: 0.3px;
    margin-bottom: 2px;
}

.amount-number {
    font-family: var(--font-heading);
    font-size: 24px;
    font-weight: 800;
    color: var(--text-main);
    line-height: 1.2;
}

/* Symmetrical 2-Pill Row */
.card-pills-row {
    display: flex;
    gap: 10px;
    margin-bottom: 14px;
}

.card-pill {
    flex: 1;
    min-height: 54px;
    background: var(--bg-muted);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-md);
    padding: 8px 10px;
    display: flex;
    flex-direction: column;
    justify-content: center;
    text-align: center;
}

.pill-label {
    font-size: 11px;
    font-weight: 600;
    color: var(--text-muted);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    margin-bottom: 2px;
}

.pill-value {
    font-size: 14px;
    font-weight: 700;
    color: var(--text-main);
}

.rate-pill .pill-value {
    color: var(--teal-primary);
}

.card-meta-line {
    display: flex;
    align-items: center;
    justify-content: space-between;
    font-size: 12px;
    color: var(--text-muted);
    margin-bottom: 18px;
    padding-top: 6px;
}

.meta-tag {
    font-weight: 500;
}

.meta-speed {
    color: #059669;
    font-weight: 600;
}

.card-action-box {
    margin-bottom: 14px;
}

.btn-partner-cta {
    width: 100%;
    height: 48px;
    background: linear-gradient(135deg, #0D9488 0%, #14B8A6 100%);
    color: #FFFFFF;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    border-radius: var(--radius-md);
    font-size: 15px;
    font-weight: 700;
    box-shadow: 0 4px 14px rgba(13, 148, 136, 0.25);
    transition: var(--transition);
}

.btn-partner-cta:hover {
    box-shadow: 0 8px 20px rgba(13, 148, 136, 0.4);
    transform: translateY(-2px);
}

.cta-arrow {
    transition: transform 0.2s ease;
}

.btn-partner-cta:hover .cta-arrow {
    transform: translate(2px, -2px);
}

.card-compliance-links {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
    font-size: 11px;
    color: var(--text-subtle);
    margin-top: auto;
}

.compliance-link {
    color: var(--text-muted);
    text-decoration: underline;
    text-underline-offset: 2px;
}

.compliance-link:hover {
    color: var(--teal-primary);
}

.compliance-sep {
    color: var(--border-color);
}



/* ==========================================================================
   Value Pillars Section
   ========================================================================== */
.pillars-section {
    padding: 70px 20px;
    background: var(--bg-card);
    border-top: 1px solid var(--border-color);
}

.pillars-shell {
    max-width: 1240px;
    margin: 0 auto;
}

.section-title-box {
    text-align: center;
    margin-bottom: 48px;
}

.section-tag {
    display: inline-block;
    background: rgba(13, 148, 136, 0.1);
    color: var(--teal-primary);
    font-size: 12px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    padding: 4px 14px;
    border-radius: var(--radius-pill);
    margin-bottom: 12px;
}

.section-title {
    font-family: var(--font-heading);
    font-size: 30px;
    font-weight: 800;
    color: var(--text-main);
    margin-bottom: 12px;
}

.section-desc {
    font-size: 15px;
    color: var(--text-muted);
    max-width: 600px;
    margin: 0 auto;
}

.pillars-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.pillar-card {
    background: var(--bg-muted);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-lg);
    padding: 28px 24px;
    transition: var(--transition);
}

.pillar-card:hover {
    transform: translateY(-4px);
    border-color: #CBD5E1;
    box-shadow: var(--shadow-md);
}

.pillar-icon-box {
    width: 52px;
    height: 52px;
    border-radius: var(--radius-md);
    background: #FFFFFF;
    border: 1px solid var(--border-color);
    color: var(--teal-primary);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 20px;
}

.pillar-title {
    font-family: var(--font-heading);
    font-size: 18px;
    font-weight: 700;
    color: var(--text-main);
    margin-bottom: 10px;
}

.pillar-text {
    font-size: 14px;
    color: var(--text-muted);
    line-height: 1.6;
}

/* ==========================================================================
   How It Works Section
   ========================================================================== */
.how-it-works-section {
    padding: 70px 20px;
    background: var(--bg-light);
}

.how-shell {
    max-width: 1100px;
    margin: 0 auto;
}

.steps-container {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.step-card {
    background: var(--bg-card);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-lg);
    padding: 32px 24px;
    position: relative;
}

.step-badge {
    display: inline-block;
    background: var(--teal-primary);
    color: #FFFFFF;
    font-size: 12px;
    font-weight: 700;
    padding: 4px 12px;
    border-radius: var(--radius-pill);
    margin-bottom: 16px;
}

.step-title {
    font-family: var(--font-heading);
    font-size: 19px;
    font-weight: 700;
    color: var(--text-main);
    margin-bottom: 10px;
}

.step-desc {
    font-size: 14px;
    color: var(--text-muted);
    line-height: 1.6;
}

/* ==========================================================================
   Payout Banks Section
   ========================================================================== */
.banks-section {
    padding: 60px 20px;
    background: var(--bg-card);
    border-top: 1px solid var(--border-color);
}

.banks-shell {
    max-width: 1100px;
    margin: 0 auto;
}

.banks-grid {
    display: grid;
    grid-template-columns: repeat(6, 1fr);
    gap: 16px;
}

.bank-item {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 8px;
    background: var(--bg-muted);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-md);
    padding: 16px 12px;
    text-align: center;
}

.bank-icon {
    font-size: 24px;
}

.bank-name {
    font-size: 13px;
    font-weight: 600;
    color: var(--text-main);
}

/* ==========================================================================
   Responsible Borrowing Guide
   ========================================================================== */
.guide-section {
    padding: 50px 20px;
    background: var(--bg-light);
}

.guide-shell {
    max-width: 1100px;
    margin: 0 auto;
}

.guide-box {
    background: linear-gradient(135deg, #0A192F 0%, #0F172A 100%);
    border: 1px solid rgba(255, 255, 255, 0.1);
    border-radius: var(--radius-xl);
    padding: 36px 32px;
    color: #FFFFFF;
}

.guide-header {
    display: flex;
    align-items: center;
    gap: 16px;
    margin-bottom: 28px;
}

.guide-icon {
    font-size: 32px;
}

.guide-title {
    font-family: var(--font-heading);
    font-size: 22px;
    font-weight: 700;
    color: #FFFFFF;
}

.guide-subtitle {
    font-size: 14px;
    color: #94A3B8;
}

.guide-tips-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
}

.guide-tip-item {
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.08);
    border-radius: var(--radius-md);
    padding: 18px;
}

.guide-tip-item strong {
    display: block;
    font-size: 15px;
    color: var(--teal-glow);
    margin-bottom: 6px;
}

.guide-tip-item p {
    font-size: 13px;
    color: #CBD5E1;
    line-height: 1.5;
}



/* ==========================================================================
   FAQ Accordion Section
   ========================================================================== */
.faq-section {
    padding: 70px 20px;
    background: var(--bg-card);
    border-top: 1px solid var(--border-color);
}

.faq-shell {
    max-width: 860px;
    margin: 0 auto;
}

.faq-accordion-list {
    display: flex;
    flex-direction: column;
    gap: 14px;
}

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

.faq-accordion-item.active {
    border-color: var(--teal-light);
    background: #FFFFFF;
    box-shadow: var(--shadow-sm);
}

.faq-question-btn {
    width: 100%;
    padding: 18px 20px;
    background: transparent;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    cursor: pointer;
    text-align: left;
}

.faq-q-text {
    font-family: var(--font-heading);
    font-size: 16px;
    font-weight: 700;
    color: var(--text-main);
}

.faq-chevron {
    width: 10px;
    height: 10px;
    border-right: 2px solid var(--text-muted);
    border-bottom: 2px solid var(--text-muted);
    transform: rotate(45deg);
    transition: transform 0.3s ease;
    flex-shrink: 0;
}

.faq-accordion-item.active .faq-chevron {
    transform: rotate(-135deg);
    border-color: var(--teal-primary);
}

.faq-answer-panel {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s ease;
    padding: 0 20px;
}

.faq-accordion-item.active .faq-answer-panel {
    padding-bottom: 18px;
}

.faq-ans-text {
    font-size: 14px;
    color: var(--text-muted);
    line-height: 1.6;
}

/* ==========================================================================
   Footer Section
   ========================================================================== */
.site-footer {
    background: var(--bg-primary);
    color: #CBD5E1;
    padding: 60px 20px 30px;
    border-top: 1px solid var(--border-dark);
}

.footer-shell {
    max-width: 1240px;
    margin: 0 auto;
}

.footer-main-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1.2fr 1.5fr;
    gap: 40px;
    margin-bottom: 48px;
}

.footer-col-brand {
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.footer-brand-header {
    display: flex;
    align-items: center;
    gap: 10px;
}

.footer-logo-icon {
    width: 36px;
    height: 36px;
}

.footer-brand-title {
    font-family: var(--font-heading);
    font-size: 22px;
    font-weight: 800;
    color: #FFFFFF;
}

.footer-mission-text {
    font-size: 13px;
    color: #94A3B8;
    line-height: 1.6;
}

.footer-non-impersonation {
    font-size: 12px;
    color: #64748B;
    background: rgba(255, 255, 255, 0.04);
    border-left: 3px solid var(--teal-primary);
    padding: 10px 12px;
    border-radius: 4px;
}

.footer-col-title {
    font-family: var(--font-heading);
    font-size: 15px;
    font-weight: 700;
    color: #FFFFFF;
    margin-bottom: 18px;
    text-transform: uppercase;
    letter-spacing: 0.8px;
}

.footer-nav-links {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.footer-nav-links a {
    font-size: 13px;
    color: #94A3B8;
}

.footer-nav-links a:hover {
    color: var(--teal-light);
}

.footer-contact-items {
    display: flex;
    flex-direction: column;
    gap: 14px;
}

.footer-c-item {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 13px;
}

.f-icon {
    font-size: 16px;
}

.f-label {
    display: block;
    font-size: 11px;
    color: #64748B;
    margin-bottom: 2px;
}

.f-val {
    color: #E2E8F0;
}

.f-link {
    color: var(--teal-light);
    font-weight: 600;
}

.f-link:hover {
    color: #FFFFFF;
}

/* Mandatory Compliance Box */
.footer-compliance-box {
    background: rgba(15, 23, 42, 0.8);
    border: 1px solid rgba(255, 255, 255, 0.08);
    border-radius: var(--radius-lg);
    padding: 24px;
    margin-bottom: 32px;
}

.comp-box-title {
    font-size: 14px;
    font-weight: 700;
    color: #FFFFFF;
    margin-bottom: 12px;
}

.comp-box-content p {
    font-size: 12px;
    color: #94A3B8;
    line-height: 1.6;
    margin-bottom: 10px;
}

.comp-example-card {
    background: rgba(255, 255, 255, 0.04);
    border: 1px solid rgba(255, 255, 255, 0.06);
    border-radius: var(--radius-sm);
    padding: 12px 14px;
    margin: 12px 0;
}

.comp-example-card strong {
    display: block;
    font-size: 12px;
    color: var(--teal-glow);
    margin-bottom: 4px;
}

.comp-example-card p {
    margin-bottom: 0 !important;
}

.comp-warning-text {
    color: #FBBF24 !important;
}

.footer-bottom-bar {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding-top: 20px;
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    font-size: 12px;
    color: #64748B;
}

.footer-bottom-links {
    display: flex;
    gap: 8px;
    align-items: center;
}

.footer-bottom-links a {
    color: #64748B;
}

.footer-bottom-links a:hover {
    color: #E2E8F0;
}

/* ==========================================================================
   Legal Standalone Pages Styling
   ========================================================================== */
.legal-page {
    background-color: var(--bg-light);
}

.legal-main {
    padding: 40px 20px 70px;
}

.legal-shell {
    max-width: 920px;
    margin: 0 auto;
}

.breadcrumbs {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 13px;
    color: var(--text-muted);
    margin-bottom: 24px;
}

.bc-sep {
    color: var(--border-color);
}

.bc-current {
    color: var(--text-main);
    font-weight: 600;
}

.legal-card {
    background: #FFFFFF;
    border: 1px solid var(--border-color);
    border-radius: var(--radius-xl);
    padding: 48px;
    box-shadow: var(--shadow-sm);
}

.legal-card-header {
    margin-bottom: 32px;
    padding-bottom: 24px;
    border-bottom: 1px solid var(--border-color);
}

.legal-badge {
    display: inline-block;
    background: rgba(13, 148, 136, 0.1);
    color: var(--teal-primary);
    font-size: 12px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    padding: 4px 12px;
    border-radius: var(--radius-pill);
    margin-bottom: 12px;
}

.legal-title {
    font-family: var(--font-heading);
    font-size: 32px;
    font-weight: 800;
    color: var(--text-main);
    margin-bottom: 8px;
}

.legal-meta {
    font-size: 13px;
    color: var(--text-muted);
}

.legal-body {
    font-size: 15px;
    line-height: 1.7;
    color: #334155;
}

.legal-section {
    margin-bottom: 32px;
}

.legal-section h2 {
    font-family: var(--font-heading);
    font-size: 22px;
    font-weight: 700;
    color: var(--text-main);
    margin-bottom: 14px;
}

.legal-section h3 {
    font-family: var(--font-heading);
    font-size: 18px;
    font-weight: 700;
    color: var(--text-main);
    margin-bottom: 10px;
}

.legal-section p {
    margin-bottom: 14px;
}

.legal-section ul {
    margin: 14px 0 18px 24px;
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.legal-cards-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
    margin-top: 20px;
}

.legal-mini-card {
    background: var(--bg-muted);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-md);
    padding: 20px;
}

.legal-mini-card h4 {
    font-size: 15px;
    font-weight: 700;
    margin-bottom: 8px;
    color: var(--text-main);
}

.legal-mini-card p {
    font-size: 13px;
    margin-bottom: 0;
    color: var(--text-muted);
}

.contact-details-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
    margin-top: 20px;
}

.contact-detail-card {
    display: flex;
    gap: 14px;
    background: var(--bg-muted);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-md);
    padding: 20px;
}

.cd-icon {
    font-size: 24px;
}

.cd-info h3 {
    font-size: 15px;
    font-weight: 700;
    margin-bottom: 4px;
}

.cd-info p {
    font-size: 14px;
    font-weight: 600;
    color: var(--text-main);
    margin-bottom: 2px;
}

.cd-sub {
    font-size: 12px;
    color: var(--text-muted);
}

.alert-info-box {
    background: #EFF6FF;
    border-left: 4px solid #3B82F6;
    padding: 16px 18px;
    border-radius: 6px;
}

.alert-info-box p {
    margin-bottom: 0;
    font-size: 14px;
    color: #1E40AF;
}

.methodology-steps {
    display: flex;
    flex-direction: column;
    gap: 14px;
    margin-top: 16px;
}

.m-step {
    display: flex;
    gap: 16px;
    background: var(--bg-muted);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-md);
    padding: 16px 20px;
}

.m-num {
    width: 32px;
    height: 32px;
    background: var(--teal-primary);
    color: #FFFFFF;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 14px;
    flex-shrink: 0;
}

.m-body h4 {
    font-size: 15px;
    font-weight: 700;
    margin-bottom: 4px;
}

.m-body p {
    font-size: 13px;
    color: var(--text-muted);
    margin-bottom: 0;
}

.btn-back-home {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: var(--bg-muted);
    border: 1px solid var(--border-color);
    padding: 12px 20px;
    border-radius: var(--radius-md);
    font-size: 14px;
    font-weight: 600;
    color: var(--text-main);
}

.btn-back-home:hover {
    background: var(--teal-primary);
    border-color: var(--teal-primary);
    color: #FFFFFF;
}

/* ==========================================================================
   Responsive Breakpoints
   ========================================================================== */
@media (max-width: 1024px) {
    .offers-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .pillars-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .banks-grid {
        grid-template-columns: repeat(3, 1fr);
    }
    .footer-main-grid {
        grid-template-columns: 1fr 1fr;
        gap: 30px;
    }
}

/* Extra component styles */
.footer-col {
    display: flex;
    flex-direction: column;
}
.footer-copy {
    font-size: 12px;
    color: #94A3B8;
}
.logo-compass {
    display: block;
}
.phone-svg {
    display: block;
    flex-shrink: 0;
}
.term-pill {
    background: #F1F5F9;
}

/* ==========================================================================
   Interactive Loan Console Dashboard
   ========================================================================== */

/* Term Selector Row */
.console-term-row {
    margin-bottom: 20px;
    background: rgba(15, 23, 42, 0.45);
    border: 1px solid rgba(255, 255, 255, 0.05);
    border-radius: var(--radius-md);
    padding: 12px 14px;
}

.term-row-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 10px;
}

.term-label {
    font-size: 13px;
    color: #94A3B8;
    font-weight: 500;
}

.term-val-badge {
    font-size: 12px;
    font-weight: 600;
    color: #2DD4BF;
    background: rgba(20, 184, 166, 0.12);
    padding: 2px 8px;
    border-radius: 4px;
}

.term-chips-group {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 8px;
}

.term-chip {
    background: #0F172A;
    border: 1px solid #334155;
    color: #CBD5E1;
    padding: 8px 10px;
    border-radius: var(--radius-pill);
    font-size: 13px;
    font-weight: 600;
    cursor: pointer;
    text-align: center;
    transition: var(--transition);
}

.term-chip:hover {
    border-color: #14B8A6;
    color: #FFFFFF;
}

.term-chip.active {
    background: linear-gradient(135deg, #0D9488 0%, #14B8A6 100%);
    border-color: #2DD4BF;
    color: #FFFFFF;
    box-shadow: 0 0 12px rgba(20, 184, 166, 0.4);
}

.console-dashboard {
    margin-bottom: 24px;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

/* Repayment Highlight Box */
.calc-highlight-box {
    background: linear-gradient(135deg, rgba(13, 148, 136, 0.22) 0%, rgba(15, 23, 42, 0.75) 100%);
    border: 1px solid rgba(20, 184, 166, 0.4);
    border-radius: var(--radius-md);
    padding: 16px 20px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.1);
}

.calc-highlight-left {
    display: flex;
    flex-direction: column;
    gap: 2px;
}

.calc-highlight-label {
    font-size: 12px;
    color: #94A3B8;
    font-weight: 500;
}

.calc-highlight-sum {
    font-family: var(--font-heading);
    font-size: 26px;
    font-weight: 800;
    color: #14B8A6;
    letter-spacing: -0.5px;
    line-height: 1.1;
}

.calc-highlight-right {
    display: flex;
    flex-direction: column;
    align-items: flex-end;
    gap: 4px;
}

.calc-promo-tag {
    background: #FEF3C7;
    border: 1px solid #FDE68A;
    color: #B45309;
    font-size: 11px;
    font-weight: 700;
    padding: 3px 8px;
    border-radius: var(--radius-pill);
    letter-spacing: 0.3px;
}

.calc-overpay-text {
    font-size: 12px;
    color: #99F6E4;
}

.calc-overpay-text strong {
    color: #FFFFFF;
    font-weight: 700;
}

/* Stat Tiles Grid */
.console-tiles-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 10px;
}

.console-tile {
    background: rgba(15, 23, 42, 0.65);
    border: 1px solid rgba(255, 255, 255, 0.08);
    border-radius: var(--radius-md);
    padding: 12px 14px;
    display: flex;
    align-items: center;
    gap: 12px;
}

.tile-icon-wrap {
    font-size: 22px;
    flex-shrink: 0;
}

.tile-content {
    display: flex;
    flex-direction: column;
    gap: 2px;
    min-width: 0;
}

.tile-label {
    font-size: 11px;
    color: #94A3B8;
    font-weight: 500;
}

.tile-value {
    font-size: 13px;
    font-weight: 700;
    color: #FFFFFF;
    white-space: nowrap;
    overflow: hidden;
    text-overflow: ellipsis;
}

.tile-badge {
    display: inline-block;
    font-size: 10px;
    font-weight: 600;
    color: var(--teal-glow);
    background: rgba(13, 148, 136, 0.2);
    padding: 2px 6px;
    border-radius: 4px;
    width: fit-content;
    margin-top: 2px;
}

.tile-badge-success {
    color: #A7F3D0;
    background: rgba(16, 185, 129, 0.2);
}

/* Match Banner */
.console-match-banner {
    background: rgba(16, 185, 129, 0.1);
    border: 1px solid rgba(16, 185, 129, 0.25);
    border-radius: var(--radius-sm);
    padding: 10px 14px;
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 13px;
    color: #E2E8F0;
}

.pulse-indicator {
    width: 8px;
    height: 8px;
    background-color: #10B981;
    border-radius: 50%;
    box-shadow: 0 0 8px #10B981;
    flex-shrink: 0;
    animation: pulseGlow 1.8s infinite;
}

@keyframes pulseGlow {
    0% {
        transform: scale(0.95);
        box-shadow: 0 0 0 0 rgba(16, 185, 129, 0.7);
    }
    70% {
        transform: scale(1);
        box-shadow: 0 0 0 6px rgba(16, 185, 129, 0);
    }
    100% {
        transform: scale(0.95);
        box-shadow: 0 0 0 0 rgba(16, 185, 129, 0);
    }
}

.match-highlight {
    color: #34D399;
}

/* Trust Micro Line */
.console-trust-micro {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 8px;
    margin-top: 14px;
    font-size: 11px;
    color: #94A3B8;
}

.ctm-sep {
    color: #475569;
}

@media (max-width: 768px) {
    .nav-menu {
        display: none !important;
    }
    .header-phone {
        display: none !important;
    }
    .burger-btn {
        display: flex !important;
    }

    .hero-title {
        font-size: 26px;
        line-height: 1.25;
    }
    .hero-section {
        padding: 30px 14px 40px;
    }

    .loan-console {
        padding: 20px 14px;
        border-radius: var(--radius-md);
    }
    .console-top-row {
        flex-direction: row;
        align-items: center;
        justify-content: space-between;
        margin-bottom: 14px;
    }
    .console-amount-val {
        font-size: 26px;
    }

    /* Symmetrical 3 + 2 layout for mobile chips */
    .quick-chips-group {
        display: grid !important;
        grid-template-columns: repeat(6, 1fr) !important;
        gap: 6px !important;
        margin-bottom: 20px !important;
    }
    .quick-chips-group .amount-chip {
        min-width: 0 !important;
        padding: 8px 4px !important;
        font-size: 12px !important;
    }
    .quick-chips-group .amount-chip:nth-child(1),
    .quick-chips-group .amount-chip:nth-child(2),
    .quick-chips-group .amount-chip:nth-child(3) {
        grid-column: span 2 !important;
    }
    .quick-chips-group .amount-chip:nth-child(4),
    .quick-chips-group .amount-chip:nth-child(5) {
        grid-column: span 3 !important;
    }

    /* Term selector mobile */
    .console-term-row {
        padding: 10px 12px;
        margin-bottom: 14px;
    }
    .term-label {
        font-size: 12px;
    }
    .term-val-badge {
        font-size: 11px;
    }
    .term-chip {
        padding: 7px 4px;
        font-size: 12px;
    }

    /* Repayment Box Mobile */
    .calc-highlight-box {
        flex-direction: column;
        align-items: stretch;
        gap: 10px;
        padding: 14px 14px;
    }
    .calc-highlight-left {
        display: flex;
        flex-direction: column;
        gap: 2px;
    }
    .calc-highlight-label {
        font-size: 11px;
    }
    .calc-highlight-sum {
        font-size: 26px;
    }
    .calc-highlight-right {
        display: flex;
        flex-direction: row;
        justify-content: space-between;
        align-items: center;
        padding-top: 8px;
        border-top: 1px dashed rgba(255, 255, 255, 0.12);
        width: 100%;
    }
    .calc-promo-tag {
        font-size: 10px;
        padding: 2px 7px;
    }
    .calc-overpay-text {
        font-size: 12px;
    }

    /* Stat Tiles Mobile */
    .console-tiles-grid {
        grid-template-columns: 1fr 1fr;
        gap: 8px;
    }
    .console-tile {
        padding: 10px 10px;
        gap: 8px;
    }
    .tile-icon-wrap {
        font-size: 18px;
    }
    .tile-label {
        font-size: 10px;
    }
    .tile-value {
        font-size: 12px;
    }
    .tile-badge {
        font-size: 9px;
    }

    /* Matcher Banner */
    .console-match-banner {
        font-size: 12px;
        padding: 9px 12px;
    }

    /* CTA button */
    .btn-console-cta {
        padding: 14px 18px;
        font-size: 15px;
        width: 100%;
    }

    /* Micro Trust Line Mobile */
    .console-trust-micro {
        flex-direction: column;
        gap: 4px;
        text-align: center;
        font-size: 11px;
    }
    .ctm-sep {
        display: none;
    }

    .offers-grid {
        grid-template-columns: 1fr;
    }
    .steps-container {
        grid-template-columns: 1fr;
    }
    .pillars-grid {
        grid-template-columns: 1fr;
    }
    .banks-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .guide-tips-grid {
        grid-template-columns: 1fr;
    }
    .footer-main-grid {
        grid-template-columns: 1fr;
    }
    .footer-bottom-bar {
        flex-direction: column;
        gap: 12px;
        text-align: center;
    }

    .legal-card {
        padding: 24px 18px;
    }
    .legal-cards-grid, .contact-details-grid {
        grid-template-columns: 1fr;
    }
}