/* resources/css/app.css — FaqLoan.com */

/* ── Variables ─────────────────────────────────────────── */
:root {
    --color-primary:        #1a56db;
    --color-primary-dark:   #1245b8;
    --color-primary-light:  #e8f0fe;
    --color-accent:         #f59e0b;
    --color-success:        #10b981;
    --color-danger:         #ef4444;
    --color-warning:        #f59e0b;

    --color-bg:             #f8fafc;
    --color-surface:        #ffffff;
    --color-border:         #e2e8f0;
    --color-border-light:   #f1f5f9;

    --color-text:           #1e293b;
    --color-text-secondary: #475569;
    --color-text-muted:     #94a3b8;

    --font-sans:   'Inter', system-ui, sans-serif;
    --font-mono:   'IBM Plex Mono', monospace;

    --nav-height:  64px;
    --radius-sm:   6px;
    --radius-md:   10px;
    --radius-lg:   16px;
    --shadow-sm:   0 1px 3px rgba(0,0,0,.08);
    --shadow-md:   0 4px 12px rgba(0,0,0,.10);
    --shadow-lg:   0 8px 32px rgba(0,0,0,.12);
    --transition:  0.18s ease;
}

/* ── Reset ────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html, body { margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
    font-family: var(--font-sans);
    font-size: 16px;
    line-height: 1.6;
    color: var(--color-text);
    background: var(--color-bg);
}
img { max-width: 100%; display: block; }
a { color: var(--color-primary); text-decoration: none; }
a:hover { text-decoration: underline; }
button { cursor: pointer; font-family: inherit; }

/* ── Container ────────────────────────────────────────── */
.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}
.container--narrow { max-width: 820px; }

/* ── Buttons ──────────────────────────────────────────── */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 10px 22px;
    border-radius: var(--radius-sm);
    font-size: 15px;
    font-weight: 600;
    border: 2px solid transparent;
    transition: background var(--transition), color var(--transition), border-color var(--transition);
    text-decoration: none;
    white-space: nowrap;
}
.btn--primary {
    background: var(--color-primary);
    color: #fff;
}
.btn--primary:hover { background: var(--color-primary-dark); text-decoration: none; color: #fff; }
.btn--ghost {
    background: transparent;
    color: var(--color-primary);
    border-color: var(--color-primary);
}
.btn--ghost:hover { background: var(--color-primary-light); text-decoration: none; }
.btn--white { background: #fff; color: var(--color-primary); }
.btn--white:hover { background: var(--color-primary-light); text-decoration: none; }
.btn--sm { padding: 6px 14px; font-size: 13px; }
.btn--large { padding: 14px 32px; font-size: 17px; }
.btn--block, .btn--full { display: block; width: 100%; text-align: center; margin-bottom: 10px; }

/* ── Header (2-row) ───────────────────────────────────── */
.site-header {
    position: sticky;
    top: 0;
    z-index: 1000;
    box-shadow: var(--shadow-sm);
}

/* Row 1 — Logo / Search / Auth */
.header-top {
    background: #fff;
    border-bottom: 1px solid var(--color-border);
}
.header-top__inner {
    max-width: 1200px;
    margin: 0 auto;
    padding: 10px 20px;
    display: flex;
    align-items: center;
    gap: 14px;
}
.header-logo {
    font-size: 0;
    flex-shrink: 0;
    text-decoration: none;
}
.header-logo img { display: block; }

/* Search bar */
.header-search {
    flex: 1;
    max-width: 520px;
    display: flex;
    align-items: center;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-sm);
    overflow: hidden;
    background: #f8fafc;
    transition: border-color var(--transition), box-shadow var(--transition);
}
.header-search:focus-within {
    border-color: var(--color-primary);
    box-shadow: 0 0 0 3px rgba(13,148,136,.12);
    background: #fff;
}
.header-search__input {
    flex: 1;
    border: none;
    background: transparent;
    padding: 8px 12px;
    font-size: 14px;
    color: var(--color-text);
    outline: none;
    min-width: 0;
}
.header-search__input::placeholder { color: var(--color-text-muted); }
.header-search__btn {
    background: none;
    border: none;
    padding: 8px 12px;
    color: var(--color-text-secondary);
    cursor: pointer;
    display: flex;
    align-items: center;
    transition: color var(--transition);
}
.header-search__btn:hover { color: var(--color-primary); }

/* Auth area in header-top */
.header-auth { display: flex; align-items: center; gap: 8px; margin-left: auto; }
.nav-btn-login, .nav-btn-register {
    padding: 6px 14px;
    border-radius: var(--radius-sm);
    font-size: 14px;
    font-weight: 600;
    text-decoration: none;
    white-space: nowrap;
}
.nav-btn-login { color: var(--color-text-secondary); }
.nav-btn-login:hover { color: var(--color-primary); text-decoration: none; }
.nav-btn-register { background: var(--color-primary); color: #fff; }
.nav-btn-register:hover { background: var(--color-primary-dark); text-decoration: none; color: #fff; }

/* User dropdown */
.nav-user-menu { position: relative; }
.nav-avatar {
    display: flex; align-items: center; gap: 6px;
    padding: 4px 10px; border-radius: var(--radius-sm);
    background: none; border: 1px solid var(--color-border);
    color: var(--color-text); font-size: 14px; font-weight: 600; cursor: pointer;
}
.nav-avatar__circle {
    width: 28px; height: 28px; border-radius: 50%;
    background: var(--color-primary); color: #fff;
    display: flex; align-items: center; justify-content: center;
    font-size: 13px; font-weight: 700;
}
.nav-dropdown {
    position: absolute; top: calc(100% + 6px); right: 0;
    background: #fff; border: 1px solid var(--color-border);
    border-radius: var(--radius-md); box-shadow: var(--shadow-md);
    min-width: 180px; overflow: hidden; display: none;
}
.nav-dropdown--open { display: block; }
.nav-dropdown a, .nav-dropdown button {
    display: block; width: 100%; padding: 10px 16px;
    font-size: 14px; color: var(--color-text); text-decoration: none;
    background: none; border: none; text-align: left;
    transition: background var(--transition);
}
.nav-dropdown a:hover, .nav-dropdown button:hover { background: var(--color-primary-light); text-decoration: none; }
.nav-dropdown hr { border: none; border-top: 1px solid var(--color-border); margin: 4px 0; }

/* ── Resources mega-dropdown ──────────────────────────────── */
.nav-resources-wrap {
    position: relative;
    display: inline-flex;
    align-items: stretch;
}
.nav-resources-btn {
    display: flex;
    align-items: center;
    gap: 5px;
    background: none;
    border: none;
    font-family: inherit;
    cursor: pointer;
}
.nav-resources-chevron {
    opacity: .6;
    transition: transform .2s;
    flex-shrink: 0;
    margin-top: 1px;
}
.nav-resources-wrap--open .nav-resources-chevron { transform: rotate(180deg); opacity: 1; }

.nav-resources-dropdown {
    position: absolute;
    top: calc(100% + 4px);
    left: 50%;
    transform: translateX(-50%);
    background: #fff;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    box-shadow: 0 8px 32px rgba(0,0,0,.13);
    min-width: 280px;
    z-index: 999;
    display: none;
    overflow: hidden;
}
.nav-resources-wrap--open .nav-resources-dropdown { display: block; }

.nav-res-group { padding: 10px 0 6px; }
.nav-res-group__label {
    padding: 4px 16px 6px;
    font-size: .7rem;
    font-weight: 700;
    letter-spacing: .08em;
    text-transform: uppercase;
    color: var(--color-text-muted);
}
.nav-res-item {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 8px 16px;
    text-decoration: none;
    color: var(--color-text);
    transition: background .12s;
}
.nav-res-item:hover { background: var(--color-primary-light); text-decoration: none; }
.nav-res-item--active { background: #eff6ff; }
.nav-res-item--active .nav-res-item__name { color: var(--color-primary); font-weight: 700; }
.nav-res-item__icon { font-size: 1.1rem; flex-shrink: 0; width: 24px; text-align: center; }
.nav-res-item__name { font-size: .875rem; font-weight: 600; color: var(--color-text); line-height: 1.2; }
.nav-res-item__desc { font-size: .75rem; color: var(--color-text-muted); margin-top: 1px; line-height: 1.3; }

.nav-res-divider { border: none; border-top: 1px solid var(--color-border-light); margin: 4px 0; }

.nav-res-footer {
    padding: 10px 16px;
    border-top: 1px solid var(--color-border-light);
    background: #f8fafc;
}
.nav-res-footer__link {
    font-size: .8rem;
    font-weight: 600;
    color: var(--color-primary);
    text-decoration: none;
}
.nav-res-footer__link:hover { text-decoration: underline; }

/* Mobile resources accordion */
.mobile-res-wrap { }
.mobile-res-toggle {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    background: none;
    border: none;
    font-family: inherit;
    cursor: pointer;
    text-align: left;
}
.mobile-res-chevron { opacity: .5; transition: transform .2s; flex-shrink: 0; }
.mobile-res-toggle--open .mobile-res-chevron { transform: rotate(180deg); opacity: 1; }
.mobile-res-submenu { background: #f8fafc; border-bottom: 1px solid var(--color-border-light); }
.mobile-res-link {
    display: block;
    padding: 10px 28px;
    font-size: .88rem;
    color: var(--color-text-secondary);
    text-decoration: none;
    border-bottom: 1px solid var(--color-border-light);
    transition: background .12s, color .12s;
}
.mobile-res-link:last-child { border-bottom: none; }
.mobile-res-link:hover { background: var(--color-primary-light); color: var(--color-primary); text-decoration: none; }
.mobile-res-link--all { font-size: .82rem; color: var(--color-primary); font-weight: 600; }

/* Row 2 — Nav links */
.main-nav {
    background: #f1f5f9;
    border-bottom: 1px solid var(--color-border);
}
.main-nav__inner {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
    display: flex;
    justify-content: center;
}
.main-nav__links { display: flex; gap: 0; }
.nav-link {
    padding: 10px 15px;
    color: var(--color-text-secondary);
    font-size: 14px;
    font-weight: 500;
    text-decoration: none;
    border-bottom: 2px solid transparent;
    transition: color var(--transition), border-color var(--transition), background var(--transition);
    white-space: nowrap;
}
.nav-link:hover {
    color: var(--color-primary);
    background: #e8f4f3;
    text-decoration: none;
}
.nav-link--active {
    color: var(--color-primary);
    border-bottom-color: var(--color-primary);
    font-weight: 600;
}
.nav-btn-consult {
    margin: 6px 0 6px 12px;
    padding: 6px 16px;
    border-radius: var(--radius-sm);
    background: var(--color-primary);
    color: #fff;
    font-size: 14px;
    font-weight: 600;
    text-decoration: none;
    white-space: nowrap;
    align-self: center;
    transition: background var(--transition);
}
.nav-btn-consult:hover { background: var(--color-primary-dark); text-decoration: none; color: #fff; }

/* Hamburger (mobile only) */
.main-nav__hamburger {
    display: none; background: none; border: none;
    padding: 6px; border-radius: var(--radius-sm); cursor: pointer;
}
.main-nav__hamburger svg { width: 24px; height: 24px; }

/* Mobile menu */
.mobile-menu {
    display: none; background: #fff;
    border-bottom: 1px solid var(--color-border);
    box-shadow: var(--shadow-md);
}
.mobile-menu--open { display: block; }
.mobile-menu__inner { padding: 12px 20px; display: flex; flex-direction: column; gap: 4px; }
.mobile-menu__link { padding: 10px 12px; border-radius: var(--radius-sm); color: var(--color-text); font-size: 15px; text-decoration: none; display: block; }
.mobile-menu__link:hover { background: var(--color-primary-light); text-decoration: none; }
.mobile-menu__link--cta { background: var(--color-primary); color: #fff; font-weight: 700; }
.mobile-menu__link--cta:hover { background: var(--color-primary-dark); color: #fff; }
.mobile-menu__link--register { color: var(--color-primary); font-weight: 700; }
.mobile-menu__divider { border: none; border-top: 1px solid var(--color-border); margin: 8px 0; }
.hidden-mobile { display: inline; }

/* ── Subnav ────────────────────────────────────────────── */
.subnav-bar { background: #fff; border-bottom: 1px solid var(--color-border); overflow-x: auto; }
.subnav-inner { display: flex; gap: 4px; padding: 6px 20px; }
.subnav-link {
    padding: 6px 14px; border-radius: 20px; font-size: 13px; font-weight: 500;
    color: var(--color-text-secondary); white-space: nowrap; text-decoration: none;
    transition: background var(--transition), color var(--transition);
}
.subnav-link:hover { background: var(--color-primary-light); color: var(--color-primary); text-decoration: none; }
.subnav-link--active { background: var(--color-primary); color: #fff; }
.subnav-link--active:hover { color: #fff; }

/* ── Hero ──────────────────────────────────────────────── */
.hero {
    background: linear-gradient(135deg, #1a56db 0%, #1245b8 50%, #0e3a94 100%);
    color: #fff;
    padding: 72px 0 60px;
}
.hero__inner { text-align: center; }
.hero__title { font-size: 48px; font-weight: 800; line-height: 1.15; margin-bottom: 16px; }
.hero__title span { color: var(--color-accent); }
.hero__subtitle { font-size: 18px; opacity: .88; max-width: 580px; margin: 0 auto 32px; }
.hero__search {
    display: flex; gap: 8px; max-width: 640px; margin: 0 auto 24px;
    background: rgba(255,255,255,.15); border-radius: var(--radius-md); padding: 6px;
}
.hero__search input {
    flex: 1; background: #fff; border: none; border-radius: var(--radius-sm);
    padding: 10px 16px; font-size: 15px; outline: none;
}
.hero__search button {
    padding: 10px 24px; background: var(--color-accent); color: #1e293b;
    font-weight: 700; border: none; border-radius: var(--radius-sm); font-size: 15px;
}
.hero__chips { display: flex; flex-wrap: wrap; gap: 8px; justify-content: center; margin-bottom: 28px; }
.chip {
    padding: 6px 16px; border-radius: 20px; background: rgba(255,255,255,.18);
    color: #fff; font-size: 13px; font-weight: 600; text-decoration: none;
    transition: background var(--transition);
}
.chip:hover { background: rgba(255,255,255,.3); text-decoration: none; color: #fff; }
.hero__ctas { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }
.hero__ctas .btn--ghost { color: #fff !important; border-color: #fff !important; background: transparent; }
.hero__ctas .btn--ghost:hover { background: rgba(255,255,255,.2) !important; color: #fff !important; }

/* ── Sections ──────────────────────────────────────────── */
.section { margin: 48px 0; }
.section-header {
    display: flex; align-items: center; justify-content: space-between;
    margin-bottom: 20px; padding-bottom: 10px;
    border-bottom: 2px solid var(--color-border);
}
.section-header h2 { font-size: 22px; font-weight: 700; color: var(--color-text); }
.section-header__link { font-size: 14px; font-weight: 600; color: var(--color-primary); }
.page-header { margin-bottom: 32px; }
.page-header h1, .page-header-row h1 { font-size: 32px; font-weight: 800; margin-bottom: 6px; }
.page-header p { color: var(--color-text-secondary); font-size: 16px; }
.page-header-row { display: flex; align-items: flex-start; justify-content: space-between; gap: 16px; margin-bottom: 28px; }

/* ── Loan Category Cards ───────────────────────────────── */
.loan-category-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.loan-cat-card {
    background: var(--color-surface); border: 1px solid var(--color-border);
    border-radius: var(--radius-md); padding: 24px 20px;
    text-decoration: none; color: var(--color-text);
    transition: box-shadow var(--transition), transform var(--transition), border-color var(--transition);
    position: relative; overflow: hidden;
}
.loan-cat-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); text-decoration: none; }
.loan-cat-card--residential { border-top: 4px solid #3b82f6; }
.loan-cat-card--commercial  { border-top: 4px solid #8b5cf6; }
.loan-cat-card--business    { border-top: 4px solid #10b981; }
.loan-cat-card--calc        { border-top: 4px solid var(--color-accent); }
.loan-cat-card__icon { font-size: 32px; margin-bottom: 10px; }
.loan-cat-card h3 { font-size: 18px; font-weight: 700; margin-bottom: 6px; }
.loan-cat-card p { font-size: 13px; color: var(--color-text-secondary); line-height: 1.5; }
.loan-cat-card__arrow { position: absolute; bottom: 16px; right: 16px; font-size: 18px; color: var(--color-text-muted); }

/* ── FAQ Accordion ─────────────────────────────────────── */
.faq-accordion { display: flex; flex-direction: column; gap: 8px; }
.faq-item { background: #fff; border: 1px solid var(--color-border); border-radius: var(--radius-md); overflow: hidden; }
.faq-item__question {
    width: 100%; text-align: left; padding: 18px 20px;
    background: none; border: none; font-size: 16px; font-weight: 600;
    color: var(--color-text); display: flex; align-items: center; justify-content: space-between;
    gap: 12px; line-height: 1.4;
}
.faq-item__question:hover { background: var(--color-primary-light); }
.faq-item__chevron { width: 20px; height: 20px; flex-shrink: 0; transition: transform var(--transition); }
.faq-item__question[aria-expanded="true"] .faq-item__chevron { transform: rotate(180deg); }
.faq-item__body { max-height: 0; overflow: hidden; transition: max-height 0.3s ease; }
.faq-item__content { padding: 0 20px 16px; color: var(--color-text-secondary); line-height: 1.7; }
.faq-item__readmore { display: inline-block; padding: 0 20px 16px; font-size: 14px; font-weight: 600; color: var(--color-primary); }
.faq-list { display: flex; flex-direction: column; gap: 16px; }
.faq-list-item { background: #fff; border: 1px solid var(--color-border); border-radius: var(--radius-md); padding: 20px 24px; }
.faq-list-item h2 { font-size: 18px; margin: 8px 0 8px; }
.faq-list-item__excerpt { color: var(--color-text-secondary); font-size: 14px; line-height: 1.6; }
.read-more-link { display: inline-block; margin-top: 8px; font-size: 13px; font-weight: 600; }

/* ── Calculators ───────────────────────────────────────── */
.calc-card-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 12px; }
.calc-card {
    background: #fff; border: 1px solid var(--color-border); border-radius: var(--radius-md);
    padding: 20px 16px; text-align: center; text-decoration: none; color: var(--color-text);
    transition: box-shadow var(--transition), transform var(--transition);
}
.calc-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); text-decoration: none; }
.calc-card__icon { font-size: 28px; margin-bottom: 8px; }
.calc-card h3 { font-size: 14px; font-weight: 700; margin-bottom: 4px; }
.calc-card p { font-size: 12px; color: var(--color-text-secondary); line-height: 1.4; }

.calc-full-grid { display: flex; flex-direction: column; gap: 32px; }
.calc-full-card { background: #fff; border: 1px solid var(--color-border); border-radius: var(--radius-lg); padding: 28px; }
.calc-full-card h2 { font-size: 22px; font-weight: 700; margin-bottom: 16px; }
.calc-explainer { background: #f0f7ff; border-left: 4px solid var(--color-primary); border-radius: 6px; padding: 12px 16px; margin-bottom: 20px; }
.calc-explainer p { margin-bottom: 6px; font-size: 12px; line-height: 1.6; color: #374151; }
.calc-explainer p:last-child { margin-bottom: 0; }
.dscr-legend { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 10px; }
.dscr-legend__item { font-size: 11px; font-weight: 700; padding: 3px 10px; border-radius: 12px; }
.dscr-legend__item--good { background: #166534; color: #fff; }
.dscr-legend__item--warn { background: #b45309; color: #fff; }
.dscr-legend__item--bad  { background: #991b1b; color: #fff; }
.calc-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; align-items: start; }
.calc-result {
    background: var(--color-primary-light); border-radius: var(--radius-md); padding: 24px;
    min-height: 140px; display: flex; flex-direction: column; justify-content: center;
}
.calc-result__placeholder { color: var(--color-text-muted); font-size: 14px; text-align: center; }
.calc-result__main { font-size: 36px; font-weight: 800; color: var(--color-primary); margin-bottom: 12px; }
.calc-result__main span { font-size: 18px; font-weight: 500; }
.calc-result p { font-size: 13px; color: var(--color-text-secondary); line-height: 1.6; }
.calc-result__status--good  { color: var(--color-success); font-weight: 700; }
.calc-result__status--warn  { color: var(--color-warning); font-weight: 700; }
.calc-result__status--bad   { color: var(--color-danger); font-weight: 700; }

/* ── Promotions ────────────────────────────────────────── */
.promo-carousel, .promo-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 20px; }
.promo-card {
    background: #fff; border: 1px solid var(--color-border);
    border-radius: var(--radius-md); padding: 20px;
    transition: box-shadow var(--transition);
    display: flex; flex-direction: column;
}
.promo-card .btn { margin-top: auto; align-self: flex-start; }
.promo-card:hover { box-shadow: var(--shadow-md); }
.promo-card--compact { padding: 12px; }
.promo-card__header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 10px; }
.promo-badge {
    padding: 3px 10px; border-radius: 12px; font-size: 12px; font-weight: 700;
    background: var(--color-primary-light); color: var(--color-primary);
}
.promo-badge--lender    { background: #dbeafe; color: #1d4ed8; }
.promo-badge--realtor   { background: #dcfce7; color: #166534; }
.promo-badge--contractor{ background: #fff7ed; color: #c2410c; }
.promo-badge--cpa       { background: #f3e8ff; color: #7e22ce; }
.promo-card__exp { font-size: 11px; color: var(--color-text-muted); }
.promo-card__sponsor { font-size: 13px; color: var(--color-text-muted); margin-bottom: 4px; }
.promo-card__title { font-size: 16px; font-weight: 700; margin-bottom: 8px; }
.promo-card__desc { font-size: 13px; color: var(--color-text-secondary); margin-bottom: 12px; line-height: 1.5; }

/* ── Math Game ─────────────────────────────────────────── */
.math-game-promo {
    background: linear-gradient(135deg, #1e3a8a 0%, #312e81 100%);
    border-radius: var(--radius-lg); overflow: hidden;
}
.math-game-promo__inner {
    display: grid; grid-template-columns: 1fr 1fr; gap: 32px;
    padding: 40px 40px; align-items: center;
}
.math-game-promo__text { color: #fff; }
.math-game-promo__text h2 { font-size: 28px; font-weight: 800; margin: 12px 0 12px; }
.math-game-promo__text p { opacity: .88; margin-bottom: 20px; }
.game-type-list { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 20px; }
.game-type-chip {
    padding: 6px 14px; border-radius: 20px; background: rgba(255,255,255,.15);
    color: #fff; font-size: 13px; font-weight: 600; text-decoration: none;
}
.game-type-chip:hover { background: rgba(255,255,255,.25); text-decoration: none; color: #fff; }
.badge--game { background: var(--color-accent); color: #1e293b; padding: 3px 10px; border-radius: 12px; font-size: 12px; font-weight: 800; }
.game-preview-card {
    background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.2);
    border-radius: var(--radius-md); padding: 20px; color: #fff;
}
.game-preview-card__label { font-size: 11px; font-weight: 700; opacity: .6; text-transform: uppercase; margin-bottom: 8px; }
.game-preview-card__q { font-size: 16px; font-weight: 700; margin-bottom: 14px; }
.game-preview-card__options { display: flex; flex-direction: column; gap: 8px; }
.option { padding: 8px 14px; border-radius: 8px; background: rgba(255,255,255,.08); font-size: 13px; opacity: .7; }
.option--correct { background: rgba(16,185,129,.25); border: 1px solid rgba(16,185,129,.5); opacity: 1; font-weight: 700; }

/* Game play UI */
.game-ui { background: #fff; border: 1px solid var(--color-border); border-radius: var(--radius-lg); padding: 32px; }
.game-ui__header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 24px; }
.game-stats { display: flex; gap: 20px; font-size: 14px; color: var(--color-text-secondary); }
.game-stats strong { color: var(--color-text); }
.game-progress { height: 6px; background: var(--color-border); border-radius: 3px; margin-bottom: 20px; }
.game-progress__fill { height: 100%; background: var(--color-primary); border-radius: 3px; transition: width 0.4s; }
.game-question { font-size: 22px; font-weight: 700; margin-bottom: 24px; line-height: 1.4; }
.game-options { display: flex; flex-direction: column; gap: 10px; }
.game-option-btn {
    padding: 14px 18px; text-align: left; border: 2px solid var(--color-border);
    border-radius: var(--radius-sm); background: #fff; font-size: 15px;
    transition: border-color var(--transition), background var(--transition);
}
.game-option-btn:hover:not(:disabled) { border-color: var(--color-primary); background: var(--color-primary-light); }
.game-option-btn--correct { border-color: var(--color-success); background: #d1fae5; }
.game-option-btn--wrong   { border-color: var(--color-danger);  background: #fee2e2; }
.game-feedback { margin-top: 20px; padding: 16px; border-radius: var(--radius-md); }
.game-feedback--correct { background: #d1fae5; border: 1px solid var(--color-success); }
.game-feedback--wrong   { background: #fee2e2; border: 1px solid var(--color-danger); }
.game-explanation { font-size: 14px; margin-top: 8px; color: var(--color-text-secondary); }
.difficulty-badge { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .05em; color: var(--color-text-muted); margin-bottom: 8px; }
.game-results { text-align: center; padding: 40px 0; }
.results-score { font-size: 72px; font-weight: 900; color: var(--color-primary); line-height: 1; margin: 16px 0; }
.results-score__label { font-size: 18px; font-weight: 500; color: var(--color-text-secondary); display: block; }
.results-actions { display: flex; gap: 12px; justify-content: center; margin-top: 24px; flex-wrap: wrap; }
.game-hub-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; margin-bottom: 48px; }
.game-hub-card {
    background: #fff; border: 2px solid var(--color-border); border-radius: var(--radius-lg);
    padding: 28px; text-decoration: none; color: var(--color-text);
    display: flex; flex-direction: column; gap: 8px;
    transition: box-shadow var(--transition), transform var(--transition);
}
.game-hub-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); text-decoration: none; }
.game-hub-card--ninja   { border-color: #6366f1; }
.game-hub-card--sniper  { border-color: #ef4444; }
.game-hub-card--dscr    { border-color: #10b981; }
.game-hub-card--scam    { border-color: #f59e0b; }
.game-hub-card__icon { font-size: 40px; }
.game-hub-card h2 { font-size: 22px; font-weight: 800; }
.game-hub-card p { font-size: 14px; color: var(--color-text-secondary); line-height: 1.5; }
.game-hub-card__sponsor { font-size: 12px; color: var(--color-text-muted); }
.leaderboard-preview { background: #fff; border: 1px solid var(--color-border); border-radius: var(--radius-md); overflow: hidden; }
.leaderboard-row { display: flex; align-items: center; gap: 16px; padding: 12px 20px; border-bottom: 1px solid var(--color-border-light); font-size: 14px; }
.leaderboard-row:last-child { border-bottom: none; }
.lb-rank { width: 28px; height: 28px; border-radius: 50%; background: var(--color-primary-light); color: var(--color-primary); display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: 13px; flex-shrink: 0; }
.lb-name { flex: 1; font-weight: 600; }
.lb-game { font-size: 12px; color: var(--color-text-muted); }
.lb-score { font-weight: 700; color: var(--color-primary); }

/* ── Q&A ──────────────────────────────────────────────── */
.qa-list, .qa-preview-list { display: flex; flex-direction: column; gap: 12px; }
.qa-card, .qa-preview-item {
    background: #fff; border: 1px solid var(--color-border); border-radius: var(--radius-md); padding: 20px;
}
.qa-preview-item {
    display: flex; align-items: center; gap: 12px;
    text-decoration: none; color: var(--color-text);
    transition: box-shadow var(--transition);
}
.qa-preview-item:hover { box-shadow: var(--shadow-sm); text-decoration: none; }
.qa-preview-item__body { flex: 1; }
.qa-preview-item__body h3 { font-size: 16px; font-weight: 600; margin-top: 6px; margin-bottom: 6px; }
.qa-preview-item__meta { font-size: 12px; color: var(--color-text-muted); }
.qa-preview-item__arrow { font-size: 18px; color: var(--color-text-muted); flex-shrink: 0; }
.qa-card__header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 8px; }
.qa-card__title { font-size: 17px; font-weight: 700; margin-bottom: 6px; }
.qa-card__title a { color: var(--color-text); }
.qa-card__title a:hover { color: var(--color-primary); text-decoration: none; }
.qa-card__excerpt { font-size: 14px; color: var(--color-text-secondary); margin-bottom: 10px; }
.qa-card__meta { font-size: 12px; color: var(--color-text-muted); }
.qa-card__replies { font-size: 12px; font-weight: 600; color: var(--color-primary); background: var(--color-primary-light); padding: 2px 10px; border-radius: 12px; }
.qa-cta { text-align: center; margin-top: 24px; padding: 20px; background: var(--color-primary-light); border-radius: var(--radius-md); }
.qa-cta p { margin-bottom: 12px; font-weight: 600; }
.qa-login-prompt { text-align: center; padding: 20px; background: var(--color-border-light); border-radius: var(--radius-md); margin-top: 20px; }

/* Q&A Thread */
.qa-thread__question { background: #fff; border: 1px solid var(--color-border); border-radius: var(--radius-lg); padding: 28px; margin-bottom: 28px; }
.qa-thread__question h1 { font-size: 26px; font-weight: 800; margin: 10px 0 12px; }
.qa-thread__meta { font-size: 13px; color: var(--color-text-muted); margin-bottom: 16px; display: flex; gap: 8px; }
.qa-thread__body { font-size: 16px; line-height: 1.7; }
.qa-thread__replies h2 { font-size: 20px; font-weight: 700; margin-bottom: 16px; }

/* Threaded replies */
.reply-thread { margin-bottom: 12px; }
.reply-thread--depth-1 { margin-left: 24px; }
.reply-thread--depth-2 { margin-left: 48px; }
.reply-thread--depth-3 { margin-left: 72px; }
.reply-thread--depth-4 { margin-left: 96px; }
.reply-thread__header { display: flex; align-items: center; gap: 8px; margin-bottom: 6px; flex-wrap: wrap; }
.reply-thread__author { display: flex; align-items: center; gap: 6px; font-size: 14px; }
.reply-avatar { width: 28px; height: 28px; border-radius: 50%; background: var(--color-primary); color: #fff; display: flex; align-items: center; justify-content: center; font-size: 12px; font-weight: 700; flex-shrink: 0; }
.reply-thread__time { font-size: 12px; color: var(--color-text-muted); }
.reply-thread__body { font-size: 15px; line-height: 1.6; margin-bottom: 8px; padding-left: 34px; }
.reply-thread__actions { padding-left: 34px; margin-bottom: 8px; }
.reply-toggle-btn { background: none; border: none; font-size: 13px; color: var(--color-primary); font-weight: 600; padding: 0; }
.reply-toggle-btn:hover { text-decoration: underline; }
.reply-inline-form { padding: 12px; background: var(--color-primary-light); border-radius: var(--radius-sm); margin-left: 34px; margin-bottom: 8px; }
.reply-inline-form textarea { width: 100%; padding: 8px 12px; border: 1px solid var(--color-border); border-radius: var(--radius-sm); font-size: 14px; resize: vertical; margin-bottom: 8px; font-family: var(--font-sans); }
.reply-inline-form .btn { margin-right: 8px; }
.role-badge { padding: 2px 8px; border-radius: 10px; font-size: 11px; font-weight: 700; }
.role-badge--paid { background: #fef3c7; color: #92400e; }
.role-badge--best { background: #d1fae5; color: #065f46; }

/* Q&A Reply form */
.qa-reply-form { background: #fff; border: 1px solid var(--color-border); border-radius: var(--radius-lg); padding: 28px; margin-top: 32px; }
.qa-reply-form h2 { font-size: 20px; font-weight: 700; margin-bottom: 16px; }
.qa-reply-form textarea { width: 100%; padding: 12px 16px; border: 1px solid var(--color-border); border-radius: var(--radius-sm); font-size: 15px; resize: vertical; font-family: var(--font-sans); margin-bottom: 12px; }
.qa-reply-form textarea:focus { outline: none; border-color: var(--color-primary); }

/* ── Loan Types ────────────────────────────────────────── */
.loan-type-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.loan-type-card {
    background: #fff; border: 1px solid var(--color-border); border-radius: var(--radius-md);
    padding: 20px; text-decoration: none; color: var(--color-text);
    transition: box-shadow var(--transition), transform var(--transition);
}
.loan-type-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); text-decoration: none; }
.loan-type-card h3 { font-size: 16px; font-weight: 700; margin-bottom: 6px; }
.loan-type-card p { font-size: 13px; color: var(--color-text-secondary); margin-bottom: 10px; }
.loan-type-card__rate { font-size: 13px; font-weight: 700; color: var(--color-primary); background: var(--color-primary-light); padding: 2px 10px; border-radius: 10px; }

/* Loan detail */
.loan-detail-layout { display: grid; grid-template-columns: 1fr 300px; gap: 32px; align-items: start; }
.loan-quick-stats { display: flex; gap: 16px; background: var(--color-primary-light); border-radius: var(--radius-md); padding: 16px 20px; margin: 16px 0 24px; flex-wrap: wrap; }
.quick-stat { display: flex; flex-direction: column; }
.quick-stat__label { font-size: 11px; font-weight: 700; text-transform: uppercase; color: var(--color-text-muted); }
.quick-stat__value { font-size: 16px; font-weight: 700; color: var(--color-text); }
.loan-detail__calc-cta { display: flex; gap: 12px; margin: 28px 0; }
.pros-cons-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin: 16px 0; }
.pros-box { background: #d1fae5; border-radius: var(--radius-sm); padding: 16px; }
.cons-box { background: #fee2e2; border-radius: var(--radius-sm); padding: 16px; }
.pros-box h3, .cons-box h3 { font-size: 14px; font-weight: 700; margin-bottom: 8px; }

/* ── Consultation ──────────────────────────────────────── */
.consult-hero { text-align: center; margin-bottom: 40px; }
.consult-hero h1 { font-size: 34px; font-weight: 800; margin-bottom: 10px; }
.consult-hero p { font-size: 17px; color: var(--color-text-secondary); }
.consult-layout { display: grid; grid-template-columns: 1fr 320px; gap: 32px; }
.consult-cta {
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
    border-radius: var(--radius-lg); padding: 56px 40px; text-align: center; color: #fff; margin-top: 48px;
}
.consult-cta h2 { font-size: 30px; font-weight: 800; margin-bottom: 14px; }
.consult-cta p { opacity: .88; font-size: 17px; margin-bottom: 20px; }
.consult-cta__inner { max-width: 640px; margin: 0 auto; }
.consult-cta__features { list-style: none; display: flex; flex-direction: column; gap: 6px; margin-bottom: 28px; font-size: 16px; }

/* ── Forms ────────────────────────────────────────────── */
.form-card { background: #fff; border: 1px solid var(--color-border); border-radius: var(--radius-lg); padding: 32px; }
.form-card h2 { font-size: 22px; font-weight: 700; margin-bottom: 24px; }
.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-size: 14px; font-weight: 600; margin-bottom: 6px; color: var(--color-text); }
.form-group input, .form-group select, .form-group textarea {
    width: 100%; padding: 10px 14px; border: 1px solid var(--color-border);
    border-radius: var(--radius-sm); font-size: 15px; font-family: var(--font-sans);
    transition: border-color var(--transition); background: #fff; color: var(--color-text);
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
    outline: none; border-color: var(--color-primary);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-error { font-size: 13px; color: var(--color-danger); margin-top: 4px; }
.form-note { font-size: 13px; color: var(--color-text-muted); margin-top: 10px; }
.required { color: var(--color-danger); }
.search-form {
    display: flex;
    align-items: center;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-sm);
    background: #f8fafc;
    overflow: hidden;
    margin-bottom: 24px;
    max-width: 600px;
    transition: border-color var(--transition), box-shadow var(--transition);
}
.search-form:focus-within {
    border-color: var(--color-primary);
    box-shadow: 0 0 0 3px rgba(26,86,219,.10);
    background: #fff;
}
.search-form input {
    flex: 1;
    border: none;
    background: transparent;
    padding: 10px 14px;
    font-size: 15px;
    color: var(--color-text);
    outline: none;
    min-width: 0;
}
.search-form input::placeholder { color: var(--color-text-muted); }
.search-form button {
    flex-shrink: 0;
    border: none;
    background: var(--color-primary);
    color: #fff;
    padding: 10px 20px;
    font-size: 14px;
    font-weight: 600;
    cursor: pointer;
    display: flex;
    align-items: center;
    gap: 6px;
    transition: background var(--transition);
    white-space: nowrap;
}
.search-form button:hover { background: var(--color-primary-dark); }
.search-result-info { font-size: 14px; color: var(--color-text-muted); margin-bottom: 16px; }

/* ── Sidebar cards ─────────────────────────────────────── */
.sidebar-card { background: #fff; border: 1px solid var(--color-border); border-radius: var(--radius-md); padding: 20px; margin-bottom: 16px; }
.sidebar-card h3 { font-size: 16px; font-weight: 700; margin-bottom: 12px; }
.sidebar-card p { font-size: 14px; color: var(--color-text-secondary); margin-bottom: 14px; }
.sidebar-links { list-style: none; display: flex; flex-direction: column; gap: 6px; }
.sidebar-links a { font-size: 14px; color: var(--color-primary); }
.feature-list, .steps-list { padding-left: 20px; display: flex; flex-direction: column; gap: 6px; }
.feature-list li, .steps-list li { font-size: 14px; color: var(--color-text-secondary); line-height: 1.5; }
.step-num { display: inline-flex; width: 22px; height: 22px; border-radius: 50%; background: var(--color-primary); color: #fff; font-size: 12px; font-weight: 700; align-items: center; justify-content: center; margin-right: 8px; }
.auth-prompt-card { text-align: center; padding: 32px; }
.auth-prompt-card h2 { margin-bottom: 12px; }
.auth-prompt-card p { color: var(--color-text-secondary); margin-bottom: 20px; }

/* ── Category Tags ─────────────────────────────────────── */
.category-tag {
    display: inline-block; padding: 3px 12px; border-radius: 12px;
    font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: .04em;
    background: var(--color-border); color: var(--color-text-secondary);
}
.category-tag--loan_basics  { background: #dbeafe; color: #1d4ed8; }
.category-tag--residential  { background: #dcfce7; color: #166534; }
.category-tag--commercial   { background: #ede9fe; color: #5b21b6; }
.category-tag--business     { background: #fef3c7; color: #92400e; }
.category-tag--credit       { background: #fce7f3; color: #9d174d; }
.category-tag--scams        { background: #fee2e2; color: #991b1b; }
.category-tag--general      { background: #f3f4f6; color: #374151; }

/* ── Alerts ────────────────────────────────────────────── */
.alert { padding: 12px 16px; border-radius: var(--radius-sm); margin-bottom: 16px; font-size: 14px; }
.alert--success { background: #d1fae5; color: #065f46; border: 1px solid #a7f3d0; }
.alert--error   { background: #fee2e2; color: #991b1b; border: 1px solid #fca5a5; }

/* ── Pagination ────────────────────────────────────────── */
.pagination { display: flex; gap: 6px; justify-content: center; margin-top: 32px; flex-wrap: wrap; }
.pagination__btn {
    display: inline-flex; align-items: center; justify-content: center;
    width: 38px; height: 38px; border-radius: var(--radius-sm);
    border: 1px solid var(--color-border); background: #fff;
    font-size: 14px; font-weight: 600; color: var(--color-text); text-decoration: none;
    transition: background var(--transition);
}
.pagination__btn:hover { background: var(--color-primary-light); text-decoration: none; }
.pagination__btn--active { background: var(--color-primary); color: #fff; border-color: var(--color-primary); }
.pagination__btn--disabled { opacity: .4; pointer-events: none; }

/* ── Comparison List Chart ─────────────────────────────── */
.compare-list-header {
    display: flex;
    align-items: center;
    padding: 10px 20px 10px 24px;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: .07em;
    text-transform: uppercase;
    color: var(--color-text-muted);
    border-bottom: 2px solid var(--color-border);
    margin-bottom: 6px;
}
.compare-list {
    display: flex;
    flex-direction: column;
    gap: 8px;
}
.compare-row {
    display: flex;
    align-items: center;
    padding: 18px 20px 18px 20px;
    background: var(--color-surface);
    border: 1px solid var(--color-border);
    border-left: 5px solid var(--color-border);
    border-radius: var(--radius-md);
    text-decoration: none;
    color: var(--color-text);
    transition: box-shadow var(--transition), border-left-color var(--transition), transform var(--transition);
}
.compare-row:hover {
    box-shadow: var(--shadow-md);
    transform: translateX(3px);
    text-decoration: none;
}
.compare-row--residential { border-left-color: #10b981; }
.compare-row--residential:hover { border-left-color: #059669; }
.compare-row--commercial  { border-left-color: var(--color-primary); }
.compare-row--commercial:hover  { border-left-color: var(--color-primary-dark); }
.compare-row--business    { border-left-color: #f59e0b; }
.compare-row--business:hover    { border-left-color: #d97706; }

/* shared column definitions */
.compare-col { display: flex; flex-direction: column; gap: 4px; }
.compare-col--name {
    flex: 0 0 230px;
    min-width: 0;
    padding-right: 20px;
}
.compare-col--rate {
    flex: 0 0 220px;
    min-width: 0;
    padding-right: 20px;
}
.compare-col--desc {
    flex: 1;
    min-width: 0;
}

/* header uses same column widths */
.compare-list-header .compare-col--name  { flex: 0 0 230px; padding-right: 20px; }
.compare-list-header .compare-col--rate  { flex: 0 0 220px; padding-right: 20px; }
.compare-list-header .compare-col--desc  { flex: 1; }

.compare-row__name {
    font-weight: 700;
    font-size: 15px;
    color: var(--color-primary);
    line-height: 1.2;
}
.compare-row:hover .compare-row__name { text-decoration: underline; }
.compare-row__rate {
    font-size: 14px;
    font-weight: 600;
    color: var(--color-text);
    font-variant-numeric: tabular-nums;
}
.compare-row__desc {
    font-size: 13.5px;
    color: var(--color-text-secondary);
    line-height: 1.45;
}

@media (max-width: 760px) {
    .compare-list-header { display: none; }
    .compare-row {
        flex-direction: column;
        align-items: flex-start;
        gap: 10px;
        padding: 16px 16px 16px 18px;
    }
    .compare-col--name,
    .compare-col--rate,
    .compare-col--desc { flex: none; width: 100%; padding-right: 0; }
    .compare-row__rate::before { content: "Rate: "; font-weight: 400; color: var(--color-text-muted); font-size: 11px; }
}

/* ── Prose / Article ───────────────────────────────────── */
.prose { line-height: 1.75; }
.prose h2 { font-size: 22px; font-weight: 700; margin: 28px 0 12px; }
.prose h3 { font-size: 18px; font-weight: 700; margin: 20px 0 8px; }
.prose p { margin-bottom: 14px; }
.prose ul, .prose ol { padding-left: 24px; margin-bottom: 14px; }
.prose li { margin-bottom: 6px; }
.prose table { width: 100%; border-collapse: collapse; margin: 16px 0; font-size: 14px; }
.prose table th { background: var(--color-primary); color: #fff; padding: 8px 12px; font-weight: 700; }
.prose table td { padding: 8px 12px; border: 1px solid var(--color-border); }
.prose table tr:hover td { background: var(--color-primary-light); }

/* ── Breadcrumb ────────────────────────────────────────── */
.breadcrumb { font-size: 13px; color: var(--color-text-muted); margin-bottom: 20px; display: flex; gap: 6px; align-items: center; flex-wrap: wrap; }
.breadcrumb a { color: var(--color-text-muted); }
.breadcrumb a:hover { color: var(--color-primary); text-decoration: none; }

/* ── Related lists ─────────────────────────────────────── */
.related-faqs, .related-list { margin-top: 32px; }
.related-faqs h2 { font-size: 18px; font-weight: 700; margin-bottom: 12px; }
.related-list { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.related-list li { border-bottom: 1px solid var(--color-border-light); padding-bottom: 8px; }
.related-list a { font-size: 15px; color: var(--color-text); }
.related-list a:hover { color: var(--color-primary); }

/* ── Spinner ───────────────────────────────────────────── */
.spinner { width: 40px; height: 40px; border: 4px solid var(--color-border); border-top-color: var(--color-primary); border-radius: 50%; animation: spin 0.8s linear infinite; margin: 0 auto 12px; }
@keyframes spin { to { transform: rotate(360deg); } }
.game-loading { text-align: center; padding: 60px 0; }

/* ── Empty states ──────────────────────────────────────── */
.empty-state { color: var(--color-text-muted); font-size: 15px; text-align: center; padding: 40px 0; }
.empty-state-block { text-align: center; padding: 60px 20px; }
.empty-state-block p { color: var(--color-text-muted); margin-bottom: 20px; }
.become-sponsor-cta { text-align: center; padding: 24px; background: var(--color-border-light); border-radius: var(--radius-md); margin-top: 32px; font-size: 14px; }

/* ── Sidebar layout ───────────────────────────────────── */
.page-with-sidebar {
    display: grid;
    grid-template-columns: 1fr 264px;
    gap: 36px;
    align-items: start;
}
.info-sidebar { position: sticky; top: 170px; }
.sidebar-card {
    background: #fff;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-md);
    padding: 20px;
    margin-bottom: 16px;
}
.sidebar-card__title {
    font-size: 13px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .06em;
    color: var(--color-text-muted);
    margin-bottom: 14px;
}
.sidebar-links { list-style: none; display: flex; flex-direction: column; gap: 12px; }
.sidebar-links li { border-bottom: 1px solid var(--color-border-light); padding-bottom: 10px; }
.sidebar-links li:last-child { border-bottom: none; padding-bottom: 0; }
.sidebar-links a { font-size: 13px; font-weight: 600; color: var(--color-primary); display: block; line-height: 1.3; }
.sidebar-links a:hover { text-decoration: underline; }
.sidebar-links__desc { display: block; font-size: 11px; color: var(--color-text-muted); margin-top: 2px; }
.sidebar-cta {
    background: linear-gradient(135deg, #1a56db 0%, #0e3a94 100%);
    border-radius: var(--radius-md);
    padding: 22px 20px;
    text-align: center;
    color: #fff;
}
.sidebar-cta__icon { font-size: 28px; margin-bottom: 8px; }
.sidebar-cta__title { font-size: 15px; font-weight: 700; margin-bottom: 8px; }
.sidebar-cta__body { font-size: 13px; opacity: .88; margin-bottom: 16px; line-height: 1.5; }
.sidebar-cta__btn { background: #fff !important; color: var(--color-primary) !important; font-weight: 700; }
.sidebar-cta__btn:hover { background: #f0f4ff !important; text-decoration: none; }
@media (max-width: 960px) {
    .page-with-sidebar { grid-template-columns: 1fr; }
    .info-sidebar { position: static; display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
    .info-sidebar .sidebar-card { margin-bottom: 0; }
}
@media (max-width: 600px) {
    .info-sidebar { grid-template-columns: 1fr; }
}

/* ── Footer ────────────────────────────────────────────── */
.site-footer { background: #0f172a; color: #94a3b8; padding: 56px 0 28px; margin-top: 80px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 32px; margin-bottom: 40px; }
.footer-logo { display: block; margin-bottom: 10px; font-size: 0; }
.footer-logo img { display: block; }
.footer-brand p { font-size: 14px; line-height: 1.6; margin-bottom: 16px; }
.footer-subscribe { display: flex; gap: 8px; }
.footer-subscribe input { flex: 1; padding: 8px 12px; border-radius: var(--radius-sm); border: 1px solid #334155; background: #1e293b; color: #fff; font-size: 14px; }
.footer-subscribe button { padding: 8px 16px; background: var(--color-primary); color: #fff; border: none; border-radius: var(--radius-sm); font-size: 13px; font-weight: 700; }
.footer-links h4 { font-size: 14px; font-weight: 700; color: #fff; margin-bottom: 12px; }
.footer-links ul { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.footer-links a { font-size: 14px; color: #94a3b8; transition: color var(--transition); }
.footer-links a:hover { color: #fff; text-decoration: none; }
.footer-bottom { border-top: 1px solid #1e293b; padding-top: 20px; }
.footer-bottom p { font-size: 13px; margin-bottom: 4px; }
.footer-disclaimer { font-size: 12px; opacity: .7; }

/* ── Responsive ────────────────────────────────────────── */
@media (max-width: 1024px) {
    .loan-category-grid { grid-template-columns: repeat(2, 1fr); }
    .calc-card-grid { grid-template-columns: repeat(3, 1fr); }
    /* promo-grid uses auto-fit minmax — no override needed */
    .loan-type-grid { grid-template-columns: repeat(2, 1fr); }
    .footer-grid { grid-template-columns: 1fr 1fr; }
    .loan-detail-layout { grid-template-columns: 1fr; }
    .consult-layout { grid-template-columns: 1fr; }
    .math-game-promo__inner { grid-template-columns: 1fr; }
    .game-hub-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
    .hero__title { font-size: 32px; }
    .hero { padding: 48px 0 40px; }
    .main-nav { display: none; }
    .main-nav__hamburger { display: flex; }
    .header-search { max-width: 180px; }
    .hidden-mobile { display: none; }
    .loan-category-grid { grid-template-columns: 1fr; }
    .calc-card-grid { grid-template-columns: repeat(2, 1fr); }
    .calc-layout { grid-template-columns: 1fr; }
    /* promo-grid auto-fits to 1 col at narrow widths */
    .loan-type-grid { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr; }
    .game-hub-grid { grid-template-columns: 1fr; }
    .form-row { grid-template-columns: 1fr; }
    .pros-cons-grid { grid-template-columns: 1fr; }
    .page-header-row { flex-direction: column; }
}

@media (max-width: 480px) {
    .hero__title { font-size: 26px; }
    .hero__search { flex-direction: column; }
    .hero__ctas { flex-direction: column; align-items: center; }
    .calc-card-grid { grid-template-columns: 1fr; }
}

/* ═══════════════════════════════════════════════════════════
   CALCULATOR EXPANSION — Category Hub, Sub-nav, Amortization
   ═══════════════════════════════════════════════════════════ */

/* ── Category Hub Cards ───────────────────────────────────── */
.calc-cat-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin-bottom: 36px;
}
.calc-cat-card {
    background: #fff;
    border: 2px solid #e2e8f0;
    border-radius: 14px;
    padding: 28px 22px 22px;
    text-decoration: none;
    color: inherit;
    transition: box-shadow .15s, transform .15s;
    display: flex;
    flex-direction: column;
}
.calc-cat-card:hover { box-shadow: 0 10px 28px rgba(0,0,0,.12); transform: translateY(-4px); text-decoration: none; color: inherit; }
.calc-cat-card__icon { font-size: 38px; margin-bottom: 12px; display: block; }
.calc-cat-card h2 { font-size: 18px; font-weight: 700; color: #1e293b; margin-bottom: 8px; }
.calc-cat-card > p { font-size: 13px; color: #64748b; line-height: 1.55; flex: 1; }
.calc-cat-card__list { list-style: none; margin: 14px 0 16px; padding: 0; }
.calc-cat-card__list li { font-size: 12.5px; color: #475569; padding: 4px 0 4px 16px; position: relative; border-bottom: 1px solid #f1f5f9; }
.calc-cat-card__list li:last-child { border-bottom: none; }
.calc-cat-card__list li::before { content: '→'; position: absolute; left: 0; color: #94a3b8; font-size: 11px; top: 5px; }
.calc-cat-card__cta { display: block; text-align: center; padding: 9px 0; border-radius: 7px; font-size: 13px; font-weight: 700; margin-top: auto; }
.calc-cat-card--home       { border-top: 5px solid #3b82f6; }
.calc-cat-card--home .calc-cat-card__cta { background: #eff6ff; color: #1e40af; }
.calc-cat-card--commercial { border-top: 5px solid #10b981; }
.calc-cat-card--commercial .calc-cat-card__cta { background: #ecfdf5; color: #065f46; }
.calc-cat-card--business   { border-top: 5px solid #f59e0b; }
.calc-cat-card--business .calc-cat-card__cta { background: #fffbeb; color: #92400e; }

/* ── Calculator Sub Navigation ────────────────────────────── */
.calc-subnav {
    display: flex;
    background: #fff;
    border: 1px solid #e2e8f0;
    border-radius: 10px;
    overflow: hidden;
    margin-bottom: 22px;
    box-shadow: 0 1px 4px rgba(0,0,0,.06);
}
.calc-subnav__back {
    flex: 0 0 auto;
    padding: 12px 16px;
    font-size: 12.5px;
    font-weight: 600;
    color: #64748b;
    text-decoration: none;
    border-right: 1px solid #e2e8f0;
    display: flex;
    align-items: center;
    gap: 5px;
    white-space: nowrap;
}
.calc-subnav__back:hover { color: #1e40af; background: #f8fafc; text-decoration: none; }
.calc-subnav__tab {
    flex: 1;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    padding: 11px 8px;
    font-size: 12.5px;
    font-weight: 600;
    color: #64748b;
    text-decoration: none;
    border-right: 1px solid #e2e8f0;
    transition: background .12s, color .12s;
    text-align: center;
    line-height: 1.3;
    gap: 3px;
}
.calc-subnav__tab:last-child { border-right: none; }
.calc-subnav__tab:hover { background: #f0f7ff; color: #1e40af; text-decoration: none; }
.calc-subnav__tab.is-active { background: #1e40af; color: #fff; }
.calc-subnav__icon { font-size: 18px; }

/* ── Calculator Jump Navigation ──────────────────────────── */
.calc-jump-nav {
    display: flex;
    align-items: center;
    gap: 8px;
    flex-wrap: wrap;
    margin-bottom: 22px;
    padding: 10px 14px;
    background: #f8fafc;
    border: 1px solid #e2e8f0;
    border-radius: 8px;
}
.calc-jump-nav__label { font-size: 10.5px; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: #94a3b8; white-space: nowrap; }
.calc-jump-nav a { font-size: 12.5px; font-weight: 600; color: #1e40af; text-decoration: none; padding: 3px 11px; border-radius: 20px; background: #eff6ff; border: 1px solid #bfdbfe; transition: background .12s; white-space: nowrap; }
.calc-jump-nav a:hover { background: #dbeafe; text-decoration: none; }

/* ── Calc card scroll offset ─────────────────────────────── */
.calc-full-card { scroll-margin-top: 80px; }

/* ── Result detail rows ───────────────────────────────────── */
.result-detail-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 5px 14px; margin-top: 10px; padding-top: 10px; border-top: 1px solid rgba(0,0,0,.08); }
.result-detail-grid dt { font-size: 11.5px; color: #64748b; padding: 2px 0; }
.result-detail-grid dd { font-size: 11.5px; font-weight: 700; color: #1e293b; text-align: right; padding: 2px 0; }

/* ── Amortization Toggle ──────────────────────────────────── */
.amort-section { margin-top: 20px; }
.amort-toggle-btn {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background: none;
    border: 1px solid #bfdbfe;
    color: #1e40af;
    padding: 7px 16px;
    border-radius: 6px;
    cursor: pointer;
    font-size: 13px;
    font-weight: 600;
    transition: background .12s;
}
.amort-toggle-btn:hover { background: #eff6ff; }
.amort-inner { display: none; margin-top: 14px; }
.amort-inner.is-open { display: block; }
.amort-summary-row {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 10px;
    margin-bottom: 12px;
    background: #f0f7ff;
    border-radius: 8px;
    padding: 14px;
}
.amort-summary-row > div { text-align: center; }
.amort-summary-row .asr-label { font-size: 10.5px; font-weight: 700; color: #64748b; text-transform: uppercase; letter-spacing: .05em; display: block; margin-bottom: 4px; }
.amort-summary-row .asr-value { font-size: 16px; font-weight: 800; color: #1e293b; display: block; }

/* ── Amortization Table ───────────────────────────────────── */
.amort-table-wrap { max-height: 360px; overflow-y: auto; border: 1px solid #e2e8f0; border-radius: 8px; }
.amort-table { width: 100%; border-collapse: collapse; font-size: 12.5px; }
.amort-table thead th {
    position: sticky; top: 0;
    background: #f8fafc;
    padding: 8px 12px;
    text-align: right;
    font-size: 10.5px; font-weight: 700; color: #64748b;
    border-bottom: 1px solid #e2e8f0;
    text-transform: uppercase; letter-spacing: .05em; white-space: nowrap;
    z-index: 1;
}
.amort-table thead th:first-child { text-align: left; }
.amort-table td { padding: 6px 12px; text-align: right; border-bottom: 1px solid #f1f5f9; color: #374151; }
.amort-table td:first-child { text-align: left; font-weight: 600; color: #1e293b; font-variant-numeric: tabular-nums; }
.amort-table tr:last-child td { border-bottom: none; }
.amort-table tr:hover td { background: #fafafa; }
.amort-year-row td { background: #f0f9ff !important; font-size: 11px; font-weight: 700; color: #0369a1 !important; padding: 4px 12px !important; border-bottom: 1px solid #bae6fd !important; text-align: left !important; }
.amort-table .td-interest  { color: #dc2626; }
.amort-table .td-principal { color: #16a34a; }

/* ── Comparison Table ────────────────────────────────────── */
.compare-table { width: 100%; border-collapse: collapse; font-size: 13px; margin-top: 10px; }
.compare-table th { background: #f8fafc; padding: 8px 12px; text-align: center; font-weight: 700; color: #475569; border: 1px solid #e2e8f0; font-size: 11px; text-transform: uppercase; letter-spacing: .04em; }
.compare-table th:first-child { text-align: left; }
.compare-table td { padding: 7px 12px; border: 1px solid #e2e8f0; text-align: center; color: #374151; font-size: 12.5px; }
.compare-table td:first-child { text-align: left; font-weight: 600; color: #1e293b; font-size: 12px; background: #fafafa; }
.compare-table tr:hover td { background: #f8fafc; }
.compare-winner { color: #166534 !important; font-weight: 700 !important; }

/* ── SBA Info Box ────────────────────────────────────────── */
.sba-info-box { background: #fffbeb; border: 1px solid #fde68a; border-left: 4px solid #f59e0b; border-radius: 6px; padding: 12px 16px; margin-bottom: 18px; font-size: 12.5px; color: #78350f; line-height: 1.6; }
.sba-info-box strong { color: #92400e; }

/* ── Quick-access grid on hub page ──────────────────────── */
.calc-quick-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; }
.calc-quick-link { font-size: 12.5px; font-weight: 600; color: #1e40af; text-decoration: none; padding: 7px 10px; border-radius: 7px; background: #fff; border: 1px solid #e2e8f0; transition: background .12s; display: block; }
.calc-quick-link:hover { background: #eff6ff; text-decoration: none; }

/* ── Responsive additions ────────────────────────────────── */
@media (max-width: 1024px) {
    .calc-cat-grid { grid-template-columns: 1fr 1fr; }
    .calc-quick-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
    .calc-cat-grid { grid-template-columns: 1fr; }
    .calc-subnav { flex-wrap: wrap; }
    .calc-subnav__tab { flex: 1 1 30%; }
    .amort-summary-row { grid-template-columns: 1fr 1fr; }
    .result-detail-grid { grid-template-columns: 1fr; }
    .calc-quick-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 480px) {
    .calc-subnav__tab { flex: 1 1 100%; border-right: none; border-bottom: 1px solid #e2e8f0; }
    .calc-subnav__tab:last-child { border-bottom: none; }
    .calc-subnav__back { width: 100%; justify-content: center; border-right: none; border-bottom: 1px solid #e2e8f0; }
    .amort-summary-row { grid-template-columns: 1fr; }
    .calc-quick-grid { grid-template-columns: 1fr; }
}

/* ══════════════════════════════════════════════════════════
   LOAN NEWS MODULE  (v2 — professional redesign)
   ══════════════════════════════════════════════════════════ */

/* ── News hero banner ───────────────────────────────────── */
.news-hero {
    background: linear-gradient(135deg, #0f172a 0%, #1e3a5f 60%, #1d4ed8 100%);
    padding: 36px 0 34px;
    margin-bottom: 0;
}
.news-hero__inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
}
.news-hero__title {
    font-size: 1.85rem;
    font-weight: 800;
    color: #fff;
    margin: 0 0 8px;
    line-height: 1.2;
    letter-spacing: -.02em;
}
.news-hero__sub {
    font-size: 0.95rem;
    color: #93c5fd;
    margin: 0;
    max-width: 540px;
    line-height: 1.5;
}
.news-hero__badge {
    display: flex;
    align-items: center;
    gap: 8px;
    background: rgba(255,255,255,.12);
    border: 1px solid rgba(255,255,255,.2);
    border-radius: 50px;
    padding: 8px 18px;
    font-size: 13px;
    font-weight: 600;
    color: #fff;
    white-space: nowrap;
    flex-shrink: 0;
}
.news-live-dot {
    width: 8px; height: 8px;
    border-radius: 50%;
    background: #4ade80;
    display: inline-block;
    animation: livePulse 1.8s ease-in-out infinite;
}
@keyframes livePulse {
    0%, 100% { opacity: 1; transform: scale(1); }
    50%       { opacity: .55; transform: scale(1.3); }
}

/* ── Category filter bar ────────────────────────────────── */
.news-filter-bar {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 28px;
    padding-bottom: 24px;
    border-bottom: 1px solid #e2e8f0;
}
.news-filter-tab {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    padding: 7px 15px;
    background: #fff;
    border: 1.5px solid #e2e8f0;
    border-radius: 50px;
    font-size: 13px;
    font-weight: 500;
    color: #475569;
    text-decoration: none;
    transition: all .15s;
    white-space: nowrap;
    line-height: 1.3;
}
.news-filter-tab__icon { font-size: 14px; }
.news-filter-tab__label { font-weight: 500; }
.news-filter-tab__count {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-width: 22px;
    height: 18px;
    background: #f1f5f9;
    color: #64748b;
    font-size: 11px;
    font-weight: 700;
    padding: 0 6px;
    border-radius: 20px;
    line-height: 1;
}
.news-filter-tab:hover {
    border-color: #3b82f6;
    color: #1d4ed8;
    background: #eff6ff;
    text-decoration: none;
    transform: translateY(-1px);
    box-shadow: 0 2px 8px rgba(59,130,246,.15);
}
.news-filter-tab--active {
    background: #1d4ed8;
    border-color: #1d4ed8;
    color: #fff;
    font-weight: 600;
    box-shadow: 0 2px 10px rgba(29,78,216,.3);
}
.news-filter-tab--active .news-filter-tab__count {
    background: rgba(255,255,255,.25);
    color: #fff;
}
.news-filter-tab--active:hover { background: #1e40af; border-color: #1e40af; color: #fff; transform: none; }

/* ── Category badge pills (soft colors) ─────────────────── */
.news-cat {
    display: inline-flex;
    align-items: center;
    padding: 2px 10px;
    border-radius: 20px;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: .04em;
    text-transform: uppercase;
    white-space: nowrap;
}
.news-cat--mortgage   { background: #dbeafe; color: #1e40af; }
.news-cat--sba        { background: #d1fae5; color: #065f46; }
.news-cat--fha        { background: #fef3c7; color: #92400e; }
.news-cat--va         { background: #ede9fe; color: #5b21b6; }
.news-cat--commercial { background: #fee2e2; color: #991b1b; }
.news-cat--general    { background: #f1f5f9; color: #334155; }

/* ── News grid ──────────────────────────────────────────── */
.news-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    align-items: start;
}
.news-grid--compact {
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
}

/* ── News card ──────────────────────────────────────────── */
.news-card {
    background: #fff;
    border: 1px solid #e2e8f0;
    border-left: 4px solid #94a3b8;
    border-radius: 10px;
    padding: 18px 20px 16px;
    display: flex;
    flex-direction: column;
    gap: 10px;
    transition: box-shadow .18s, transform .18s;
    height: 100%;
    box-sizing: border-box;
}
.news-card:hover {
    box-shadow: 0 6px 24px rgba(0,0,0,.1);
    transform: translateY(-3px);
    text-decoration: none;
}
.news-card--sm { padding: 14px 16px 13px; gap: 8px; }

/* Left border accent by category */
.news-card--cat-mortgage   { border-left-color: #3b82f6; }
.news-card--cat-sba        { border-left-color: #10b981; }
.news-card--cat-fha        { border-left-color: #f59e0b; }
.news-card--cat-va         { border-left-color: #8b5cf6; }
.news-card--cat-commercial { border-left-color: #ef4444; }
.news-card--cat-general    { border-left-color: #64748b; }

.news-card__top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 8px;
}
.news-card__date {
    font-size: 11.5px;
    color: #94a3b8;
    white-space: nowrap;
    flex-shrink: 0;
}

.news-card__title {
    font-size: 0.93rem;
    font-weight: 700;
    line-height: 1.45;
    margin: 0;
    color: #1e293b;
    flex: 1;
}
.news-card__title--sm { font-size: 0.86rem; }
.news-card__title a {
    color: inherit;
    text-decoration: none;
}
.news-card__title a:hover { color: #1d4ed8; }

.news-card__summary {
    font-size: 0.82rem;
    color: #64748b;
    line-height: 1.58;
    margin: 0;
    flex: 1;
    /* clamp to 3 lines */
    display: -webkit-box;
    -webkit-line-clamp: 3;
    -webkit-box-orient: vertical;
    overflow: hidden;
}

.news-card__footer {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 8px;
    margin-top: auto;
    padding-top: 10px;
    border-top: 1px solid #f1f5f9;
}
.news-card__source {
    font-size: 11.5px;
    color: #94a3b8;
    font-weight: 500;
    min-width: 0;
    overflow: hidden;
    text-overflow: ellipsis;
    white-space: nowrap;
}
.news-card__read {
    font-size: 12.5px;
    font-weight: 700;
    color: #1d4ed8;
    text-decoration: none;
    white-space: nowrap;
    flex-shrink: 0;
    transition: color .12s;
}
.news-card__read:hover { color: #1e40af; text-decoration: underline; }

/* ── Empty state ────────────────────────────────────────── */
.news-empty {
    text-align: center;
    padding: 70px 20px;
    color: #64748b;
    background: #f8fafc;
    border-radius: 14px;
    border: 2px dashed #e2e8f0;
}
.news-empty__icon  { font-size: 3.5rem; margin-bottom: 16px; }
.news-empty__title { font-size: 1.2rem; font-weight: 700; color: #1e293b; margin: 0 0 8px; }
.news-empty__body  { font-size: 0.9rem; margin: 0; }

/* ── Pagination ─────────────────────────────────────────── */
.news-pagination-wrap { margin-top: 44px; }

.fql-pagination {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    flex-wrap: wrap;
}
.fql-pagination__info {
    font-size: 13.5px;
    color: #64748b;
}
.fql-pagination__info strong { color: #1e293b; }

.fql-pagination__pages {
    display: flex;
    align-items: center;
    gap: 4px;
    flex-wrap: wrap;
}
.fql-pag-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-width: 36px;
    height: 36px;
    padding: 0 10px;
    border-radius: 8px;
    font-size: 13.5px;
    font-weight: 500;
    text-decoration: none;
    color: #475569;
    background: #fff;
    border: 1.5px solid #e2e8f0;
    transition: all .14s;
    white-space: nowrap;
    cursor: pointer;
}
.fql-pag-btn:hover {
    border-color: #3b82f6;
    color: #1d4ed8;
    background: #eff6ff;
    text-decoration: none;
}
.fql-pag-btn--active {
    background: #1d4ed8;
    border-color: #1d4ed8;
    color: #fff;
    font-weight: 700;
    cursor: default;
    box-shadow: 0 2px 8px rgba(29,78,216,.3);
}
.fql-pag-btn--active:hover { background: #1d4ed8; border-color: #1d4ed8; color: #fff; }
.fql-pag-btn--disabled {
    color: #cbd5e1;
    border-color: #f1f5f9;
    background: #f8fafc;
    cursor: not-allowed;
}
.fql-pag-btn--nav {
    padding: 0 14px;
    font-weight: 600;
}
.fql-pag-ellipsis {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-width: 32px;
    height: 36px;
    font-size: 14px;
    color: #94a3b8;
    letter-spacing: .05em;
}

/* ── Article detail page ────────────────────────────────── */
.news-article {
    background: #fff;
    border: 1px solid #e2e8f0;
    border-left: 5px solid #3b82f6;
    border-radius: 12px;
    padding: 32px 36px;
    margin-bottom: 12px;
}
.news-article--cat-mortgage   { border-left-color: #3b82f6; }
.news-article--cat-sba        { border-left-color: #10b981; }
.news-article--cat-fha        { border-left-color: #f59e0b; }
.news-article--cat-va         { border-left-color: #8b5cf6; }
.news-article--cat-commercial { border-left-color: #ef4444; }
.news-article--cat-general    { border-left-color: #64748b; }

.news-article__header {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 16px;
}
.news-article__date {
    font-size: 13px;
    color: #94a3b8;
}
.news-article__title {
    font-size: 1.6rem;
    font-weight: 800;
    line-height: 1.3;
    color: #0f172a;
    margin: 0 0 14px;
    letter-spacing: -.02em;
}
.news-article__byline {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 13.5px;
    color: #64748b;
    margin-bottom: 24px;
    padding-bottom: 20px;
    border-bottom: 2px solid #f1f5f9;
}
.news-article__body {
    font-size: 1.05rem;
    line-height: 1.8;
    color: #334155;
}
.news-article__cta {
    margin-top: 28px;
    padding: 22px 24px;
    background: #f0f9ff;
    border: 1px solid #bae6fd;
    border-radius: 10px;
}
.news-article__cta-text {
    margin: 0 0 14px;
    font-size: 0.9rem;
    color: #0369a1;
}

/* ── Related news section ───────────────────────────────── */
.news-related {
    margin-top: 48px;
}
.news-related__title {
    font-size: 1.1rem;
    font-weight: 700;
    color: #1e293b;
    margin: 0 0 18px;
    padding-bottom: 12px;
    border-bottom: 2px solid #e2e8f0;
}

/* ── Homepage news widget ───────────────────────────────── */
.home-news-widget {
    background: #fff;
    border: 1px solid #e2e8f0;
    border-radius: 16px;
    padding: 32px;
    margin: 40px 0;
    box-shadow: 0 1px 4px rgba(0,0,0,.04);
}
.home-news-widget__header {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    gap: 16px;
    margin-bottom: 22px;
}
.home-news-widget__all {
    flex-shrink: 0;
    padding: 7px 16px;
    background: #eff6ff;
    border: 1.5px solid #bfdbfe;
    border-radius: 6px;
    font-size: 13px;
    font-weight: 600;
    color: #1d4ed8;
    text-decoration: none;
    white-space: nowrap;
    transition: background .15s, border-color .15s;
}
.home-news-widget__all:hover {
    background: #dbeafe;
    border-color: #93c5fd;
    text-decoration: none;
}
.home-news-widget__footer {
    margin-top: 22px;
    text-align: center;
    padding-top: 18px;
    border-top: 1px solid #f1f5f9;
}

.news-widget-list {
    display: flex;
    flex-direction: column;
}
.news-widget-item {
    display: flex;
    gap: 0;
    padding: 14px 0;
    border-bottom: 1px solid #f1f5f9;
}
.news-widget-item:last-child { border-bottom: none; padding-bottom: 0; }
.news-widget-item:first-child { padding-top: 0; }

.news-widget-item__body { flex: 1; min-width: 0; }
.news-widget-item__top {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 6px;
}
.news-widget-item__time {
    font-size: 11.5px;
    color: #94a3b8;
    white-space: nowrap;
    margin-left: auto;
}
.news-widget-item__title {
    display: block;
    font-size: 0.9rem;
    font-weight: 600;
    color: #1e293b;
    text-decoration: none;
    line-height: 1.45;
    margin-bottom: 4px;
}
.news-widget-item__title:hover { color: #1d4ed8; }
.news-widget-item__summary {
    font-size: 0.81rem;
    color: #64748b;
    line-height: 1.5;
    margin: 0 0 5px;
    display: -webkit-box;
    -webkit-line-clamp: 2;
    -webkit-box-orient: vertical;
    overflow: hidden;
}
.news-widget-item__meta {
    font-size: 11.5px;
    color: #94a3b8;
}

/* ── Back link ──────────────────────────────────────────── */
.back-link {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    font-size: 13.5px;
    color: #3b82f6;
    text-decoration: none;
    margin-bottom: 20px;
    font-weight: 500;
    transition: color .12s;
}
.back-link:hover { color: #1d4ed8; text-decoration: underline; }

/* ── Responsive ─────────────────────────────────────────── */
@media (max-width: 960px) {
    .news-grid               { grid-template-columns: repeat(2, 1fr); }
    .news-grid--compact      { grid-template-columns: 1fr; }
    .news-hero__badge        { display: none; }
}
@media (max-width: 640px) {
    .news-hero               { padding: 24px 0 22px; }
    .news-hero__title        { font-size: 1.4rem; }
    .news-grid               { grid-template-columns: 1fr; }
    .home-news-widget        { padding: 20px 16px; }
    .home-news-widget__header { flex-direction: column; align-items: flex-start; }
    .news-article            { padding: 20px 18px; }
    .news-article__title     { font-size: 1.3rem; }
    .news-filter-bar         { gap: 6px; }
    .news-filter-tab         { padding: 5px 11px; font-size: 12px; }
    .fql-pagination          { flex-direction: column; align-items: flex-start; gap: 12px; }
    .fql-pag-btn             { min-width: 32px; height: 32px; font-size: 13px; }
}

/* ═══════════════════════════════════════════════════════════
   RESOURCES HUB
   ═══════════════════════════════════════════════════════════ */
.resources-hero {
    background: linear-gradient(135deg, #1e3a5f 0%, #1a56db 100%);
    padding: 48px 0 40px;
    color: #fff;
    text-align: center;
}
.resources-hero__title {
    font-size: 2rem;
    font-weight: 800;
    margin: 0 0 10px;
    letter-spacing: -.02em;
}
.resources-hero__sub {
    font-size: 1.05rem;
    opacity: .85;
    margin: 0;
}
.resources-hub { padding: 48px 16px 64px; }

.resources-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 24px;
    max-width: 1100px;
    margin: 0 auto 36px;
}

.resource-card {
    display: flex;
    align-items: flex-start;
    gap: 20px;
    background: #fff;
    border-radius: var(--radius-lg);
    border: 1px solid var(--color-border);
    padding: 28px 24px;
    text-decoration: none;
    color: var(--color-text);
    box-shadow: var(--shadow-sm);
    transition: transform .18s, box-shadow .18s, border-color .18s;
    position: relative;
}
.resource-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 8px 24px rgba(0,0,0,.12);
    border-color: #93c5fd;
}
.resource-card--checklist:hover { border-color: #86efac; }
.resource-card--glossary:hover  { border-color: #93c5fd; }
.resource-card--states:hover    { border-color: #c4b5fd; }

.resource-card__icon { flex-shrink: 0; width: 60px; height: 60px; }
.resource-card__icon svg { width: 60px; height: 60px; }

.resource-card__body { flex: 1; min-width: 0; }
.resource-card__title {
    font-size: 1.15rem;
    font-weight: 700;
    margin: 0 0 8px;
    color: var(--color-text);
}
.resource-card__desc {
    font-size: .9rem;
    color: var(--color-text-secondary);
    line-height: 1.55;
    margin: 0 0 14px;
}
.resource-card__meta { display: flex; gap: 8px; flex-wrap: wrap; }

.resource-badge {
    display: inline-block;
    font-size: .75rem;
    font-weight: 600;
    padding: 3px 10px;
    border-radius: 20px;
    line-height: 1.4;
}
.resource-badge--green   { background: #dcfce7; color: #166534; }
.resource-badge--blue    { background: #dbeafe; color: #1e40af; }
.resource-badge--purple  { background: #f3e8ff; color: #6b21a8; }
.resource-badge--outline { background: transparent; border: 1px solid var(--color-border); color: var(--color-text-muted); }

.resource-card__arrow {
    font-size: 1.3rem;
    color: var(--color-text-muted);
    align-self: center;
    transition: transform .18s;
}
.resource-card:hover .resource-card__arrow { transform: translateX(4px); color: var(--color-primary); }

.resources-tips {
    display: flex;
    align-items: flex-start;
    gap: 14px;
    background: #fefce8;
    border: 1px solid #fde68a;
    border-radius: var(--radius-md);
    padding: 18px 22px;
    max-width: 860px;
    margin: 0 auto;
    font-size: .9rem;
    color: #78350f;
    line-height: 1.55;
}
.resources-tips__icon { font-size: 1.3rem; flex-shrink: 0; margin-top: 1px; }

/* ═══════════════════════════════════════════════════════════
   LOAN CHECKLIST
   ═══════════════════════════════════════════════════════════ */
.checklist-hero {
    background: linear-gradient(135deg, #14532d 0%, #16a34a 100%);
    padding: 44px 0 36px;
    color: #fff;
    text-align: center;
}
.checklist-hero__title { font-size: 1.9rem; font-weight: 800; margin: 0 0 8px; letter-spacing: -.02em; }
.checklist-hero__sub   { font-size: 1rem; opacity: .85; margin: 0; }

.checklist-hub { padding: 44px 16px 64px; }

.checklist-type-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 18px;
    max-width: 1000px;
    margin: 0 auto 32px;
}

.checklist-type-card {
    display: flex;
    align-items: center;
    gap: 18px;
    background: #fff;
    border-radius: var(--radius-md);
    border: 2px solid var(--color-border);
    border-left: 5px solid var(--card-color, #16a34a);
    padding: 20px 18px;
    text-decoration: none;
    color: var(--color-text);
    box-shadow: var(--shadow-sm);
    transition: transform .17s, box-shadow .17s;
}
.checklist-type-card:hover {
    transform: translateY(-3px);
    box-shadow: 0 6px 20px rgba(0,0,0,.11);
}
.checklist-type-card__icon { font-size: 2.2rem; flex-shrink: 0; }
.checklist-type-card__body { flex: 1; min-width: 0; }
.checklist-type-card__title { font-size: 1.05rem; font-weight: 700; margin: 0 0 5px; }
.checklist-type-card__stats { font-size: .78rem; color: var(--color-text-muted); display: flex; gap: 14px; flex-wrap: wrap; }
.checklist-type-card__arrow { font-size: 1.1rem; color: var(--color-text-muted); }

.checklist-hub-note {
    max-width: 700px;
    margin: 0 auto;
    background: #f0fdf4;
    border: 1px solid #bbf7d0;
    border-radius: var(--radius-md);
    padding: 14px 20px;
    font-size: .88rem;
    color: #166534;
}

/* ── Checklist Detail ── */
.checklist-detail-hero {
    background: linear-gradient(135deg, #14532d 0%, var(--hero-color, #16a34a) 100%);
    padding: 36px 0 28px;
    color: #fff;
}
.checklist-back {
    display: inline-block;
    color: rgba(255,255,255,.75);
    text-decoration: none;
    font-size: .85rem;
    margin-bottom: 12px;
    padding: 4px 10px 4px 6px;
    border-radius: 4px;
    transition: color .15s;
}
.checklist-back:hover { color: #fff; }
.checklist-detail-hero__top {
    display: flex;
    align-items: center;
    gap: 18px;
}
.checklist-detail-hero__icon { font-size: 2.8rem; flex-shrink: 0; }
.checklist-detail-hero__title { font-size: 1.65rem; font-weight: 800; margin: 0 0 6px; letter-spacing: -.02em; }
.checklist-detail-hero__stats { display: flex; gap: 20px; font-size: .85rem; opacity: .85; flex-wrap: wrap; }

.checklist-detail { padding: 36px 16px 64px; max-width: 860px; margin: 0 auto; }

/* Progress bar */
.checklist-progress-wrap { margin-bottom: 32px; }
.checklist-progress-bar {
    height: 10px;
    background: #e2e8f0;
    border-radius: 10px;
    overflow: hidden;
    margin-bottom: 8px;
}
.checklist-progress-fill {
    height: 100%;
    background: linear-gradient(90deg, #22c55e, #16a34a);
    border-radius: 10px;
    transition: width .35s ease;
    width: 0%;
}
.checklist-progress-label {
    display: flex;
    align-items: center;
    justify-content: space-between;
    font-size: .85rem;
    color: var(--color-text-secondary);
}
.checklist-reset-btn {
    background: none;
    border: 1px solid var(--color-border);
    border-radius: 4px;
    color: var(--color-text-muted);
    font-size: .78rem;
    padding: 3px 10px;
    cursor: pointer;
    transition: border-color .15s, color .15s;
}
.checklist-reset-btn:hover { border-color: #ef4444; color: #ef4444; }

/* Sections */
.checklist-sections { display: flex; flex-direction: column; gap: 28px; }
.checklist-section {
    background: #fff;
    border-radius: var(--radius-md);
    border: 1px solid var(--color-border);
    overflow: hidden;
}
.checklist-section__title {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 1rem;
    font-weight: 700;
    margin: 0;
    padding: 16px 20px;
    background: #f8fafc;
    border-bottom: 1px solid var(--color-border);
}
.checklist-section__num {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 26px;
    height: 26px;
    border-radius: 50%;
    background: var(--color-primary);
    color: #fff;
    font-size: .78rem;
    font-weight: 700;
    flex-shrink: 0;
}
.checklist-section__note {
    font-size: .82rem;
    color: var(--color-text-muted);
    margin: 0;
    padding: 10px 20px 0;
    font-style: italic;
}
.checklist-items { padding: 8px 0; }

/* Checkbox items */
.checklist-item {
    display: flex;
    align-items: flex-start;
    gap: 14px;
    padding: 11px 20px;
    cursor: pointer;
    transition: background .12s;
    border-bottom: 1px solid #f8fafc;
}
.checklist-item:last-child { border-bottom: none; }
.checklist-item:hover { background: #f8fafc; }
.checklist-item--done { background: #f0fdf4; }
.checklist-item--done:hover { background: #dcfce7; }

.checklist-checkbox { display: none; }

.checklist-item__check {
    width: 22px;
    height: 22px;
    border-radius: 5px;
    border: 2px solid var(--color-border);
    background: #fff;
    flex-shrink: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-top: 1px;
    transition: background .15s, border-color .15s;
}
.checklist-item__check svg {
    width: 13px;
    height: 13px;
    color: #fff;
    opacity: 0;
    transition: opacity .15s;
}
.checklist-checkbox:checked ~ .checklist-item__check {
    background: #22c55e;
    border-color: #22c55e;
}
.checklist-checkbox:checked ~ .checklist-item__check svg { opacity: 1; }

.checklist-item__text {
    font-size: .9rem;
    color: var(--color-text);
    line-height: 1.5;
    flex: 1;
}
.checklist-item--done .checklist-item__text {
    text-decoration: line-through;
    color: var(--color-text-muted);
}

/* Other loan types */
.checklist-other-types { margin-top: 48px; }
.checklist-other-types h3 { font-size: .95rem; font-weight: 700; color: var(--color-text-secondary); margin-bottom: 14px; text-transform: uppercase; letter-spacing: .06em; }
.checklist-other-grid { display: flex; flex-wrap: wrap; gap: 10px; }
.checklist-other-card {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background: #fff;
    border: 1px solid var(--color-border);
    border-left: 4px solid var(--card-color, #16a34a);
    border-radius: 6px;
    padding: 8px 14px;
    font-size: .85rem;
    font-weight: 600;
    text-decoration: none;
    color: var(--color-text);
    transition: box-shadow .15s, transform .15s;
}
.checklist-other-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }

/* ═══════════════════════════════════════════════════════════
   LOAN GLOSSARY
   ═══════════════════════════════════════════════════════════ */
.glossary-hero {
    background: linear-gradient(135deg, #1e3a5f 0%, #1e88e5 100%);
    padding: 44px 0 36px;
    color: #fff;
    text-align: center;
}
.glossary-hero__title { font-size: 1.9rem; font-weight: 800; margin: 0 0 8px; letter-spacing: -.02em; }
.glossary-hero__sub   { font-size: 1rem; opacity: .85; margin: 0 0 24px; }

/* Search */
.glossary-search-form { max-width: 520px; margin: 0 auto; }
.glossary-search-wrap { position: relative; display: flex; align-items: center; }
.glossary-search-input {
    width: 100%;
    padding: 12px 52px 12px 18px;
    border: none;
    border-radius: 30px;
    font-size: .95rem;
    box-shadow: 0 2px 12px rgba(0,0,0,.2);
    outline: none;
    color: var(--color-text);
}
.glossary-search-input:focus { box-shadow: 0 0 0 3px rgba(30,136,229,.4); }
.glossary-search-btn {
    position: absolute;
    right: 14px;
    background: none;
    border: none;
    cursor: pointer;
    color: var(--color-text-secondary);
    display: flex;
    padding: 0;
}
.glossary-search-btn svg { width: 20px; height: 20px; }
.glossary-search-clear {
    position: absolute;
    right: 44px;
    font-size: .8rem;
    color: #ef4444;
    text-decoration: none;
    padding: 4px;
    white-space: nowrap;
}

.glossary-page { padding: 32px 16px 64px; max-width: 1000px; margin: 0 auto; }

/* Category filter */
.glossary-filter-row {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 14px;
}
.glossary-cat-tab {
    display: inline-block;
    padding: 6px 16px;
    border-radius: 20px;
    font-size: .82rem;
    font-weight: 600;
    background: #f1f5f9;
    color: var(--color-text-secondary);
    text-decoration: none;
    transition: background .15s, color .15s;
    border: 1px solid transparent;
}
.glossary-cat-tab:hover          { background: #e2e8f0; color: var(--color-text); }
.glossary-cat-tab--active        { background: var(--color-primary); color: #fff; border-color: var(--color-primary); }
.glossary-cat-tab--mortgage.glossary-cat-tab--active  { background: #1565c0; border-color: #1565c0; }
.glossary-cat-tab--sba.glossary-cat-tab--active       { background: #e65100; border-color: #e65100; }
.glossary-cat-tab--commercial.glossary-cat-tab--active{ background: #4a148c; border-color: #4a148c; }
.glossary-cat-tab--business.glossary-cat-tab--active  { background: #1b5e20; border-color: #1b5e20; }
.glossary-cat-tab--general.glossary-cat-tab--active   { background: #37474f; border-color: #37474f; }

/* A–Z nav */
.glossary-az-row {
    display: flex;
    flex-wrap: wrap;
    gap: 4px;
    margin-bottom: 28px;
    padding: 14px 16px;
    background: #f8fafc;
    border-radius: var(--radius-md);
    border: 1px solid var(--color-border);
}
.glossary-az-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 32px;
    height: 32px;
    border-radius: 6px;
    font-size: .82rem;
    font-weight: 700;
    text-decoration: none;
    color: var(--color-text);
    background: #fff;
    border: 1px solid var(--color-border);
    transition: background .13s, color .13s, border-color .13s;
}
.glossary-az-btn:hover          { background: var(--color-primary-light); border-color: var(--color-primary); color: var(--color-primary); }
.glossary-az-btn--active        { background: var(--color-primary); color: #fff; border-color: var(--color-primary); }
.glossary-az-btn--empty         { color: #cbd5e1; background: #f8fafc; pointer-events: none; }

/* Results */
.glossary-count {
    font-size: .88rem;
    color: var(--color-text-muted);
    margin-bottom: 20px;
}
.glossary-count strong { color: var(--color-text); }

.glossary-empty {
    text-align: center;
    padding: 60px 20px;
    color: var(--color-text-secondary);
}
.glossary-empty__icon { font-size: 2.5rem; margin-bottom: 14px; }
.glossary-empty p { font-size: .95rem; }

/* Letter groups */
.glossary-letter-group { margin-bottom: 32px; }
.glossary-letter-anchor {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 44px;
    height: 44px;
    background: var(--color-primary);
    color: #fff;
    font-size: 1.25rem;
    font-weight: 800;
    border-radius: 10px;
    margin-bottom: 14px;
}
.glossary-term-list {
    display: flex;
    flex-direction: column;
    gap: 0;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-md);
    overflow: hidden;
}
.glossary-term {
    padding: 18px 22px;
    border-bottom: 1px solid #f1f5f9;
    background: #fff;
    transition: background .12s;
}
.glossary-term:last-child { border-bottom: none; }
.glossary-term:hover { background: #f8fafc; }

.glossary-term__header {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 6px;
    flex-wrap: wrap;
}
.glossary-term__word {
    font-size: 1rem;
    font-weight: 700;
    margin: 0;
    color: var(--color-text);
}
.glossary-term__def {
    font-size: .9rem;
    color: var(--color-text-secondary);
    line-height: 1.6;
    margin: 0;
}

/* Glossary category badges */
.glossary-term__cat {
    display: inline-block;
    font-size: .72rem;
    font-weight: 700;
    padding: 2px 9px;
    border-radius: 12px;
    text-transform: uppercase;
    letter-spacing: .04em;
}
.glossary-term__cat--mortgage   { background: #dbeafe; color: #1e40af; }
.glossary-term__cat--sba        { background: #ffedd5; color: #9a3412; }
.glossary-term__cat--commercial { background: #f3e8ff; color: #6b21a8; }
.glossary-term__cat--business   { background: #dcfce7; color: #166534; }
.glossary-term__cat--general    { background: #f1f5f9; color: #475569; }

/* ═══════════════════════════════════════════════════════════
   STATE RULES
   ═══════════════════════════════════════════════════════════ */
.state-hero {
    background: linear-gradient(135deg, #3b0764 0%, #7c3aed 100%);
    padding: 44px 0 36px;
    color: #fff;
    text-align: center;
}
.state-hero__title { font-size: 1.9rem; font-weight: 800; margin: 0 0 8px; letter-spacing: -.02em; }
.state-hero__sub   { font-size: 1rem; opacity: .85; margin: 0 0 24px; }

/* State search — reuses glossary search styles with purple theming */
.state-search-form  { max-width: 480px; margin: 0 auto; }
.state-search-wrap  { position: relative; display: flex; align-items: center; }
.state-search-input {
    width: 100%;
    padding: 12px 52px 12px 18px;
    border: none;
    border-radius: 30px;
    font-size: .95rem;
    box-shadow: 0 2px 12px rgba(0,0,0,.2);
    outline: none;
    color: var(--color-text);
}
.state-search-input:focus { box-shadow: 0 0 0 3px rgba(124,58,237,.4); }
.state-search-btn {
    position: absolute;
    right: 14px;
    background: none;
    border: none;
    cursor: pointer;
    color: var(--color-text-secondary);
    display: flex;
    padding: 0;
}
.state-search-btn svg { width: 20px; height: 20px; }
.state-search-clear {
    position: absolute;
    right: 44px;
    font-size: .8rem;
    color: #ef4444;
    text-decoration: none;
    padding: 4px;
    white-space: nowrap;
}

.state-index-page { padding: 32px 16px 64px; }

/* Legend */
.state-legend {
    display: flex;
    flex-wrap: wrap;
    gap: 16px;
    margin-bottom: 22px;
    font-size: .82rem;
    color: var(--color-text-secondary);
    align-items: center;
}
.state-legend-item { display: flex; align-items: center; gap: 7px; }

/* Badges */
.state-badge {
    display: inline-block;
    font-size: .72rem;
    font-weight: 700;
    padding: 2px 9px;
    border-radius: 12px;
    text-transform: uppercase;
    letter-spacing: .04em;
}
.state-badge--hc    { background: #fef3c7; color: #92400e; }
.state-badge--notax { background: #dcfce7; color: #166534; }
.state-badge--yes   { background: #fee2e2; color: #991b1b; }
.state-badge--no    { background: #f1f5f9; color: #64748b; }

/* Table */
.state-table-wrap { overflow-x: auto; }
.state-table {
    width: 100%;
    border-collapse: collapse;
    font-size: .875rem;
    background: #fff;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-md);
    overflow: hidden;
}
.state-table th {
    background: #f8fafc;
    font-weight: 700;
    font-size: .78rem;
    text-transform: uppercase;
    letter-spacing: .06em;
    color: var(--color-text-secondary);
    padding: 12px 14px;
    text-align: left;
    border-bottom: 2px solid var(--color-border);
    white-space: nowrap;
}
.state-table td {
    padding: 12px 14px;
    border-bottom: 1px solid #f1f5f9;
    vertical-align: middle;
}
.state-row:last-child td { border-bottom: none; }
.state-row:hover td { background: #f8fafc; }

.state-code {
    display: inline-block;
    font-weight: 800;
    font-size: .8rem;
    background: #f3e8ff;
    color: #6b21a8;
    padding: 2px 7px;
    border-radius: 5px;
    margin-right: 8px;
    letter-spacing: .05em;
}
.state-fullname { font-weight: 600; }

.state-row__limit,
.state-row__fha  { font-weight: 600; font-variant-numeric: tabular-nums; }
.state-row__agency { font-size: .8rem; color: var(--color-text-secondary); }

.state-detail-btn {
    display: inline-block;
    padding: 5px 12px;
    background: #f3e8ff;
    color: #6b21a8;
    border-radius: 6px;
    font-size: .78rem;
    font-weight: 700;
    text-decoration: none;
    white-space: nowrap;
    transition: background .13s;
}
.state-detail-btn:hover { background: #e9d5ff; }

.state-empty { text-align: center; padding: 40px; color: var(--color-text-muted); font-style: italic; }
.state-footnote { font-size: .78rem; color: var(--color-text-muted); margin-top: 20px; text-align: center; }

/* ── State Detail Page ── */
.state-detail-hero {
    background: linear-gradient(135deg, #3b0764 0%, #7c3aed 100%);
    padding: 36px 0 28px;
    color: #fff;
}
.state-back {
    display: inline-block;
    color: rgba(255,255,255,.75);
    text-decoration: none;
    font-size: .85rem;
    margin-bottom: 12px;
    padding: 4px 10px 4px 6px;
    border-radius: 4px;
    transition: color .15s;
}
.state-back:hover { color: #fff; }
.state-detail-hero__top { display: flex; align-items: center; gap: 18px; }
.state-detail-hero__code {
    font-size: 2.2rem;
    font-weight: 900;
    background: rgba(255,255,255,.18);
    border-radius: 10px;
    padding: 6px 18px;
    letter-spacing: .08em;
    flex-shrink: 0;
}
.state-detail-hero__title { font-size: 1.75rem; font-weight: 800; margin: 0 0 4px; letter-spacing: -.02em; }
.state-detail-hero__sub   { opacity: .8; margin: 0; font-size: .9rem; }

.state-detail-page { padding: 36px 16px 64px; max-width: 1000px; margin: 0 auto; }

.state-detail-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 20px;
    margin-bottom: 36px;
}

.state-detail-card {
    background: #fff;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-md);
    padding: 22px 24px;
    box-shadow: var(--shadow-sm);
}
.state-detail-card--wide { grid-column: 1 / -1; }
.state-detail-card__title {
    font-size: .95rem;
    font-weight: 700;
    margin: 0 0 16px;
    color: var(--color-text);
}

.state-limit-row { display: flex; gap: 24px; flex-wrap: wrap; margin-bottom: 14px; }
.state-limit-item { flex: 1; min-width: 120px; }
.state-limit-label { font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--color-text-muted); margin-bottom: 4px; }
.state-limit-value { font-size: 1.5rem; font-weight: 800; color: var(--color-text); font-variant-numeric: tabular-nums; }
.state-limit-note  { font-size: .72rem; color: var(--color-text-muted); margin-top: 3px; }

.state-tax-row  { display: flex; gap: 20px; margin-bottom: 10px; }
.state-tax-item { flex: 1; }
.state-tax-label { font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--color-text-muted); margin-bottom: 4px; }
.state-tax-value { font-size: 1.3rem; font-weight: 800; }
.state-tax-item--yes .state-tax-value { color: #dc2626; }
.state-tax-item--no  .state-tax-value { color: #16a34a; }

.state-alert {
    font-size: .85rem;
    padding: 10px 14px;
    border-radius: 7px;
    margin-top: 12px;
    line-height: 1.5;
}
.state-alert--info  { background: #eff6ff; border: 1px solid #bfdbfe; color: #1e40af; }
.state-alert--green { background: #f0fdf4; border: 1px solid #bbf7d0; color: #166534; }

.state-agency-name { font-size: 1.1rem; font-weight: 700; margin: 0 0 14px; }
.state-programs-title { font-size: .82rem; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--color-text-muted); margin: 0 0 10px; }
.state-notes-text { font-size: .9rem; color: var(--color-text-secondary); line-height: 1.6; margin: 0; }
.state-programs-list, .state-notes-list {
    margin: 0;
    padding-left: 18px;
    display: flex;
    flex-direction: column;
    gap: 7px;
}
.state-programs-list li, .state-notes-list li { font-size: .9rem; color: var(--color-text-secondary); line-height: 1.5; }

/* State nav */
.state-nav-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 24px;
    gap: 12px;
    flex-wrap: wrap;
}
.state-nav-btn {
    display: inline-block;
    padding: 8px 18px;
    border-radius: 7px;
    font-size: .85rem;
    font-weight: 600;
    text-decoration: none;
    background: #f3e8ff;
    color: #6b21a8;
    transition: background .13s;
}
.state-nav-btn:hover { background: #e9d5ff; }
.state-nav-btn--all  { background: #f8fafc; color: var(--color-text-secondary); border: 1px solid var(--color-border); }
.state-nav-btn--all:hover { background: #e2e8f0; color: var(--color-text); }

/* ═══════════════════════════════════════════════════════════
   RESOURCE PAGES RESPONSIVE
   ═══════════════════════════════════════════════════════════ */
@media (max-width: 640px) {
    .resources-hero__title     { font-size: 1.6rem; }
    .resource-card             { flex-direction: column; align-items: flex-start; }
    .resource-card__arrow      { display: none; }
    .checklist-hero__title     { font-size: 1.6rem; }
    .checklist-type-grid       { grid-template-columns: 1fr; }
    .checklist-detail-hero__top{ flex-direction: column; text-align: center; }
    .checklist-detail-hero__stats { justify-content: center; }
    .glossary-hero__title      { font-size: 1.6rem; }
    .glossary-az-btn           { width: 28px; height: 28px; font-size: .75rem; }
    .state-hero__title         { font-size: 1.6rem; }
    .state-detail-hero__top    { flex-direction: column; text-align: center; }
    .state-limit-row           { flex-direction: column; }
    .state-nav-row             { flex-direction: column; align-items: stretch; text-align: center; }
    .state-table th:nth-child(6) { display: none; }
    .state-table td:nth-child(6) { display: none; }
}

/* ═══════════════════════════════════════════════════════════
   RESOURCES HUB — section label & new badges
   ═══════════════════════════════════════════════════════════ */
.resources-section-label {
    max-width: 1100px;
    margin: 36px auto 16px;
    font-size: .78rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .1em;
    color: var(--color-text-muted);
    padding: 0 4px;
}
.resources-section-label span { border-bottom: 2px solid var(--color-border); padding-bottom: 4px; }
.resources-grid--scam { max-width: 1100px; margin-bottom: 0; }

.resource-badge--red    { background: #fee2e2; color: #991b1b; }
.resource-badge--orange { background: #ffedd5; color: #9a3412; }

.resource-card--scam-check:hover { border-color: #fca5a5; }
.resource-card--scam-guide:hover { border-color: #fdba74; }
.resource-card--scam-report:hover{ border-color: #86efac; }

/* ═══════════════════════════════════════════════════════════
   LOAN SCAM PAGES
   ═══════════════════════════════════════════════════════════ */

/* ── Shared hero colours ── */
.scam-checker-hero {
    background: linear-gradient(135deg, #7f1d1d 0%, #dc2626 100%);
    padding: 44px 0 36px;
    color: #fff;
    text-align: center;
}
.scam-guide-hero {
    background: linear-gradient(135deg, #431407 0%, #ea580c 100%);
    padding: 36px 0 28px;
    color: #fff;
}
.scam-report-hero {
    background: linear-gradient(135deg, #14532d 0%, #16a34a 100%);
    padding: 36px 0 28px;
    color: #fff;
}

.scam-checker-hero__badge {
    display: inline-block;
    background: rgba(255,255,255,.18);
    padding: 4px 14px;
    border-radius: 20px;
    font-size: .78rem;
    font-weight: 700;
    letter-spacing: .08em;
    text-transform: uppercase;
    margin-bottom: 10px;
}
.scam-checker-hero__title { font-size: 2rem; font-weight: 800; margin: 0 0 10px; letter-spacing: -.02em; }
.scam-checker-hero__sub   { font-size: 1rem; opacity: .85; margin: 0; }

.scam-guide-hero__title { font-size: 1.9rem; font-weight: 800; margin: 0 0 8px; letter-spacing: -.02em; }
.scam-guide-hero__sub   { font-size: 1rem; opacity: .85; margin: 0 0 16px; }
.scam-guide-hero__stats {
    display: flex;
    flex-wrap: wrap;
    gap: 12px 24px;
    font-size: .82rem;
    opacity: .8;
    margin-top: 4px;
}

.scam-report-hero__title { font-size: 1.9rem; font-weight: 800; margin: 0 0 8px; letter-spacing: -.02em; }
.scam-report-hero__sub   { font-size: 1rem; opacity: .85; margin: 0; }

.scam-back {
    display: inline-block;
    color: rgba(255,255,255,.75);
    text-decoration: none;
    font-size: .85rem;
    margin-bottom: 12px;
    padding: 4px 10px 4px 6px;
    border-radius: 4px;
    transition: color .15s;
}
.scam-back:hover { color: #fff; }

/* ══ SCAM CHECKER ══════════════════════════════════════════ */
.scam-checker-page { padding: 40px 16px 64px; max-width: 800px; margin: 0 auto; }

.scam-quiz__intro {
    background: #fef2f2;
    border: 1px solid #fecaca;
    border-radius: var(--radius-md);
    padding: 16px 20px;
    font-size: .9rem;
    color: #7f1d1d;
    margin-bottom: 28px;
}

/* Question item */
.scam-q {
    display: flex;
    gap: 16px;
    align-items: flex-start;
    padding: 18px 0;
    border-bottom: 1px solid #f1f5f9;
}
.scam-q:last-child { border-bottom: none; }
.scam-q--answered .scam-q__num { background: #22c55e; border-color: #22c55e; color: #fff; }

.scam-q__num {
    width: 32px;
    height: 32px;
    border-radius: 50%;
    border: 2px solid var(--color-border);
    background: #f8fafc;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: .8rem;
    font-weight: 800;
    flex-shrink: 0;
    color: var(--color-text-secondary);
    transition: background .2s, color .2s, border-color .2s;
}

.scam-q__body { flex: 1; min-width: 0; }
.scam-q__text { font-size: .95rem; color: var(--color-text); line-height: 1.5; margin: 0 0 12px; }

.scam-q__btns { display: flex; gap: 10px; }
.scam-q__btn {
    padding: 8px 24px;
    border-radius: 7px;
    border: 2px solid var(--color-border);
    background: #fff;
    font-size: .88rem;
    font-weight: 600;
    cursor: pointer;
    color: var(--color-text-secondary);
    transition: all .15s;
}
.scam-q__btn--yes:hover { border-color: #ef4444; color: #ef4444; background: #fef2f2; }
.scam-q__btn--no:hover  { border-color: #22c55e; color: #166534; background: #f0fdf4; }
.scam-q__btn--selected-yes { border-color: #ef4444; background: #ef4444; color: #fff; }
.scam-q__btn--selected-no  { border-color: #22c55e; background: #22c55e; color: #fff; }

/* Submit / hint */
.scam-quiz__actions { margin-top: 28px; text-align: center; }
.scam-quiz__submit {
    padding: 14px 40px;
    background: #e2e8f0;
    color: #94a3b8;
    border: none;
    border-radius: 9px;
    font-size: 1rem;
    font-weight: 700;
    cursor: not-allowed;
    transition: all .2s;
}
.scam-quiz__submit--ready {
    background: #dc2626;
    color: #fff;
    cursor: pointer;
    box-shadow: 0 4px 14px rgba(220,38,38,.3);
}
.scam-quiz__submit--ready:hover { background: #b91c1c; transform: translateY(-2px); }
.scam-quiz__hint { margin-top: 10px; font-size: .82rem; color: var(--color-text-muted); }

/* ── Result card ── */
.scam-result { padding: 20px 0 20px; }
.scam-result__card {
    border-radius: var(--radius-lg);
    border: 2px solid var(--color-border);
    padding: 36px 32px;
    text-align: center;
    max-width: 640px;
    margin: 0 auto 32px;
}
.scam-result--low     { border-color: #86efac; background: #f0fdf4; }
.scam-result--caution { border-color: #fde68a; background: #fefce8; }
.scam-result--high    { border-color: #fdba74; background: #fff7ed; }
.scam-result--scam    { border-color: #fca5a5; background: #fef2f2; }

.scam-result__icon  { font-size: 3rem; margin-bottom: 10px; }
.scam-result__level { font-size: 1.5rem; font-weight: 800; margin-bottom: 6px; }
.scam-result__score { font-size: .82rem; color: var(--color-text-muted); margin-bottom: 16px; }
.scam-result__summary {
    font-size: .95rem;
    line-height: 1.6;
    text-align: left;
    margin: 0 0 20px;
    padding: 16px;
    background: rgba(255,255,255,.6);
    border-radius: 8px;
}
.scam-result--low    .scam-result__level { color: #15803d; }
.scam-result--caution .scam-result__level{ color: #92400e; }
.scam-result--high   .scam-result__level { color: #9a3412; }
.scam-result--scam   .scam-result__level { color: #991b1b; }

.scam-result__flags-title { font-size: .82rem; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--color-text-muted); margin: 0 0 8px; text-align: left; }
.scam-result__flags-list  { margin: 0 0 20px; padding-left: 18px; text-align: left; }
.scam-result__flags-list li { font-size: .88rem; color: var(--color-text-secondary); margin-bottom: 5px; }

.scam-result__actions { display: flex; flex-wrap: wrap; gap: 10px; justify-content: center; margin-top: 8px; }
.scam-result__btn {
    display: inline-block;
    padding: 10px 20px;
    border-radius: 7px;
    font-size: .88rem;
    font-weight: 600;
    text-decoration: none;
    transition: opacity .15s, transform .15s;
    border: none;
    cursor: pointer;
}
.scam-result__btn:hover { opacity: .88; transform: translateY(-1px); }
.scam-result__btn--guide  { background: #dc2626; color: #fff; }
.scam-result__btn--report { background: #16a34a; color: #fff; }
.scam-result__btn--retry  { background: #f1f5f9; color: var(--color-text-secondary); border: 1px solid var(--color-border); }

/* Info boxes */
.scam-info-row {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 16px;
    margin-top: 12px;
}
.scam-info-box {
    background: #fff;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-md);
    padding: 20px;
    text-align: center;
}
.scam-info-box__icon { font-size: 1.8rem; margin-bottom: 10px; }
.scam-info-box h3 { font-size: .95rem; font-weight: 700; margin: 0 0 6px; }
.scam-info-box p  { font-size: .85rem; color: var(--color-text-secondary); margin: 0; line-height: 1.5; }
.scam-info-box a  { color: var(--color-primary); }

/* ══ SCAM GUIDE ════════════════════════════════════════════ */
.scam-guide-page { padding: 32px 16px 64px; }
.scam-guide-layout { display: grid; grid-template-columns: 200px 1fr; gap: 40px; max-width: 1060px; margin: 0 auto; align-items: start; }

/* TOC */
.scam-guide-toc {
    position: sticky;
    top: 80px;
    background: #fff;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-md);
    padding: 18px;
}
.scam-guide-toc__title { font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; color: var(--color-text-muted); margin-bottom: 10px; }
.scam-guide-toc__link {
    display: block;
    font-size: .83rem;
    color: var(--color-text-secondary);
    text-decoration: none;
    padding: 5px 0;
    border-bottom: 1px solid #f1f5f9;
    transition: color .13s;
}
.scam-guide-toc__link:last-child { border-bottom: none; }
.scam-guide-toc__link:hover { color: var(--color-primary); }

/* Guide content */
.scam-guide-content section { margin-bottom: 52px; }
.scam-guide-content h2 { font-size: 1.35rem; font-weight: 800; margin: 0 0 20px; color: var(--color-text); border-bottom: 2px solid var(--color-border); padding-bottom: 10px; }
.scam-guide-content p  { font-size: .93rem; line-height: 1.7; color: var(--color-text-secondary); }
.scam-guide-content a  { color: var(--color-primary); }

.scam-alert-box {
    background: #fef2f2;
    border: 2px solid #fecaca;
    border-radius: var(--radius-md);
    padding: 16px 20px;
    font-size: .88rem;
    color: #7f1d1d;
    line-height: 1.55;
    margin-bottom: 32px;
}
.scam-alert-box a { color: #dc2626; font-weight: 600; }

/* Warning flags grid */
.scam-flags-grid { display: flex; flex-direction: column; gap: 0; border: 1px solid var(--color-border); border-radius: var(--radius-md); overflow: hidden; }
.scam-flag {
    display: flex;
    gap: 16px;
    padding: 18px 20px;
    border-bottom: 1px solid #f1f5f9;
    background: #fff;
    transition: background .12s;
}
.scam-flag:last-child { border-bottom: none; }
.scam-flag:hover { background: #fef2f2; }
.scam-flag__num {
    width: 30px;
    height: 30px;
    border-radius: 50%;
    background: #dc2626;
    color: #fff;
    font-size: .78rem;
    font-weight: 800;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    margin-top: 2px;
}
.scam-flag__body h3 { font-size: .95rem; font-weight: 700; margin: 0 0 5px; }
.scam-flag__body p  { font-size: .88rem; margin: 0; line-height: 1.5; }

/* Scam types */
.scam-type-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 16px;
}
.scam-type-card {
    background: #fff;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-md);
    padding: 20px;
}
.scam-type-card__icon { font-size: 1.8rem; margin-bottom: 10px; }
.scam-type-card h3 { font-size: .95rem; font-weight: 700; margin: 0 0 8px; }
.scam-type-card p  { font-size: .86rem; color: var(--color-text-secondary); line-height: 1.55; margin: 0 0 10px; }
.scam-type-card__rule { font-size: .82rem; background: #f8fafc; padding: 8px 12px; border-radius: 6px; color: var(--color-text) !important; }

/* Scam process steps */
.scam-process { display: flex; flex-direction: column; gap: 0; border: 1px solid var(--color-border); border-radius: var(--radius-md); overflow: hidden; }
.scam-process__step {
    display: flex;
    gap: 16px;
    padding: 18px 20px;
    border-bottom: 1px solid #f1f5f9;
    background: #fff;
}
.scam-process__step:last-child { border-bottom: none; }
.scam-process__num {
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background: #ea580c;
    color: #fff;
    font-size: .82rem;
    font-weight: 800;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}
.scam-process__body strong { display: block; font-size: .95rem; margin-bottom: 4px; }
.scam-process__body p { font-size: .88rem; margin: 0; line-height: 1.5; }

/* Action list */
.scam-action-list { display: flex; flex-direction: column; gap: 12px; }
.scam-action {
    display: flex;
    gap: 16px;
    align-items: flex-start;
    background: #fff;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-md);
    padding: 18px 20px;
}
.scam-action--stop   { border-left: 4px solid #dc2626; }
.scam-action--bank   { border-left: 4px solid #2563eb; }
.scam-action--report { border-left: 4px solid #ea580c; }
.scam-action--credit { border-left: 4px solid #7c3aed; }
.scam-action--local  { border-left: 4px solid #0891b2; }
.scam-action__icon { font-size: 1.5rem; flex-shrink: 0; }
.scam-action strong { display: block; font-size: .95rem; margin-bottom: 4px; }
.scam-action p { font-size: .88rem; color: var(--color-text-secondary); margin: 0; line-height: 1.5; }

/* Verify steps */
.scam-verify-steps { display: flex; flex-direction: column; gap: 14px; }
.scam-verify-step {
    display: flex;
    gap: 14px;
    align-items: flex-start;
    padding: 16px 18px;
    background: #fff;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-md);
}
.scam-verify-step__icon { font-size: 1.4rem; flex-shrink: 0; margin-top: 2px; }
.scam-verify-step strong { display: block; font-size: .93rem; margin-bottom: 3px; }
.scam-verify-step p { font-size: .87rem; color: var(--color-text-secondary); margin: 0; line-height: 1.5; }

/* Resource cards */
.scam-resources-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 14px; }
.scam-resource-card {
    display: flex;
    align-items: center;
    gap: 14px;
    background: #fff;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-md);
    padding: 16px 18px;
    text-decoration: none;
    color: var(--color-text);
    transition: box-shadow .15s, transform .15s;
}
.scam-resource-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.scam-resource-card--cta { border-color: #93c5fd; background: #eff6ff; }
.scam-resource-card__logo {
    width: 44px;
    height: 44px;
    border-radius: 8px;
    background: var(--color-primary);
    color: #fff;
    font-size: .75rem;
    font-weight: 800;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}
.scam-resource-card strong { display: block; font-size: .88rem; margin-bottom: 2px; }
.scam-resource-card p { font-size: .78rem; color: var(--color-text-muted); margin: 0; }

/* Bottom CTA */
.scam-bottom-cta {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
    justify-content: center;
    max-width: 1060px;
    margin: 0 auto;
    padding: 32px 0 0;
    border-top: 1px solid var(--color-border);
}
.scam-bottom-btn {
    display: inline-block;
    padding: 13px 32px;
    border-radius: 9px;
    font-size: .95rem;
    font-weight: 700;
    text-decoration: none;
    transition: opacity .15s, transform .15s;
}
.scam-bottom-btn:hover { opacity: .88; transform: translateY(-2px); }
.scam-bottom-btn--check  { background: #dc2626; color: #fff; box-shadow: 0 4px 14px rgba(220,38,38,.25); }
.scam-bottom-btn--report { background: #16a34a; color: #fff; box-shadow: 0 4px 14px rgba(22,163,74,.25); }

/* ══ SCAM REPORT ═══════════════════════════════════════════ */
.scam-report-page { padding: 32px 16px 64px; max-width: 1060px; margin: 0 auto; }
.scam-report-layout { display: grid; grid-template-columns: 1fr 280px; gap: 32px; align-items: start; }

.scam-report-form-wrap { min-width: 0; }

/* Success state */
.scam-report-success {
    background: #f0fdf4;
    border: 2px solid #86efac;
    border-radius: var(--radius-lg);
    padding: 40px 32px;
    text-align: center;
}
.scam-report-success__icon { font-size: 3rem; margin-bottom: 12px; }
.scam-report-success h2 { font-size: 1.4rem; margin: 0 0 10px; }
.scam-report-success p  { font-size: .9rem; color: var(--color-text-secondary); margin: 0 0 10px; }

/* Form */
.scam-report-form { display: flex; flex-direction: column; gap: 0; }
.scam-form-section {
    background: #fff;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-md);
    padding: 24px;
    margin-bottom: 20px;
}
.scam-form-section__title {
    font-size: 1rem;
    font-weight: 700;
    margin: 0 0 6px;
    color: var(--color-text);
}
.scam-form-section__note { font-size: .82rem; color: var(--color-text-muted); margin: 0 0 20px; }

.scam-form-group { margin-bottom: 18px; }
.scam-form-group:last-child { margin-bottom: 0; }
.scam-form-group label { display: block; font-size: .85rem; font-weight: 600; margin-bottom: 6px; }
.scam-form-group input,
.scam-form-group select,
.scam-form-group textarea {
    width: 100%;
    padding: 10px 14px;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-sm);
    font-size: .9rem;
    color: var(--color-text);
    background: #fff;
    transition: border-color .15s, box-shadow .15s;
    box-sizing: border-box;
}
.scam-form-group input:focus,
.scam-form-group select:focus,
.scam-form-group textarea:focus {
    border-color: var(--color-primary);
    box-shadow: 0 0 0 3px rgba(26,86,219,.15);
    outline: none;
}
.scam-form-group input.is-invalid,
.scam-form-group select.is-invalid,
.scam-form-group textarea.is-invalid { border-color: #ef4444; }
.scam-form-group textarea { resize: vertical; min-height: 120px; }
.scam-form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 18px; }
.scam-form-hint  { font-size: .78rem; color: var(--color-text-muted); margin: 4px 0 0; }
.scam-form-error { font-size: .8rem; color: #ef4444; margin: 4px 0 0; }
.req { color: #ef4444; }

.scam-form-submit-row { text-align: center; padding: 8px 0 0; }
.scam-recaptcha-wrap  { display: flex; flex-direction: column; align-items: center; margin-bottom: 18px; }
.scam-report-submit-btn {
    display: inline-block;
    padding: 14px 40px;
    background: #16a34a;
    color: #fff;
    border: none;
    border-radius: 9px;
    font-size: 1rem;
    font-weight: 700;
    cursor: pointer;
    transition: background .15s, transform .15s;
    box-shadow: 0 4px 14px rgba(22,163,74,.3);
}
.scam-report-submit-btn:hover { background: #15803d; transform: translateY(-2px); }

/* Sidebar */
.scam-report-sidebar { display: flex; flex-direction: column; gap: 16px; }
.scam-report-sidebar__card {
    background: #fff;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-md);
    padding: 18px 20px;
}
.scam-report-sidebar__card--tip { background: #f0fdf4; border-color: #86efac; }
.scam-report-sidebar__card h3 { font-size: .9rem; font-weight: 700; margin: 0 0 10px; }
.scam-report-sidebar__card p  { font-size: .85rem; color: var(--color-text-secondary); line-height: 1.5; margin: 0; }
.scam-report-sidebar__card ul { margin: 0; padding-left: 16px; }
.scam-report-sidebar__card li { font-size: .83rem; color: var(--color-text-secondary); margin-bottom: 6px; line-height: 1.45; }
.scam-report-sidebar__card a  { color: var(--color-primary); text-decoration: none; }
.scam-report-sidebar__card a:hover { text-decoration: underline; }

/* ══ SCAM PAGES RESPONSIVE ══════════════════════════════════ */
@media (max-width: 900px) {
    .scam-guide-layout   { grid-template-columns: 1fr; }
    .scam-guide-toc      { position: static; display: none; }
    .scam-report-layout  { grid-template-columns: 1fr; }
    .scam-report-sidebar { order: -1; }
}
@media (max-width: 640px) {
    .scam-checker-hero__title { font-size: 1.6rem; }
    .scam-guide-hero__title   { font-size: 1.6rem; }
    .scam-report-hero__title  { font-size: 1.6rem; }
    .scam-guide-hero__stats   { flex-direction: column; gap: 6px; }
    .scam-q__btns             { gap: 8px; }
    .scam-q__btn              { padding: 7px 16px; font-size: .82rem; }
    .scam-form-row            { grid-template-columns: 1fr; }
    .scam-result__actions     { flex-direction: column; }
    .scam-type-grid           { grid-template-columns: 1fr; }
    .scam-resources-grid      { grid-template-columns: 1fr; }
    .scam-bottom-cta          { flex-direction: column; }
}

/* ══ LOAN SCENARIO SIMULATOR — HOMEPAGE WIDGET ══════════════ */
.sim-widget-section {
    background: linear-gradient(135deg, #0f172a 0%, #1e3a5f 100%);
    padding: 48px 0;
}
.sim-widget {
    max-width: 900px;
    margin: 0 auto;
    padding: 0 20px;
}
.sim-widget__header { text-align: center; margin-bottom: 32px; }
.sim-widget__badge {
    display: inline-block;
    background: rgba(245,158,11,.18);
    color: #fbbf24;
    border: 1px solid rgba(245,158,11,.35);
    font-size: .78rem;
    font-weight: 700;
    letter-spacing: .06em;
    text-transform: uppercase;
    padding: 4px 14px;
    border-radius: 99px;
    margin-bottom: 12px;
}
.sim-widget__title {
    font-size: 1.65rem;
    font-weight: 800;
    color: #fff;
    letter-spacing: -.02em;
    margin: 0 0 8px;
}
.sim-widget__sub { font-size: .95rem; color: rgba(255,255,255,.72); margin: 0; }

.sim-widget__form {
    background: rgba(255,255,255,.06);
    border: 1px solid rgba(255,255,255,.12);
    border-radius: var(--radius-lg);
    padding: 28px;
}
.sim-widget__fields {
    display: grid;
    grid-template-columns: repeat(3,1fr);
    gap: 20px;
    margin-bottom: 24px;
}
.sim-widget__field label {
    display: block;
    font-size: .82rem;
    font-weight: 600;
    color: rgba(255,255,255,.8);
    margin-bottom: 7px;
}
.sim-widget__input-wrap { position: relative; }
.sim-widget__prefix {
    position: absolute;
    left: 12px;
    top: 50%;
    transform: translateY(-50%);
    font-size: .9rem;
    color: rgba(255,255,255,.5);
    pointer-events: none;
}
.sim-widget__input,
.sim-widget__select {
    width: 100%;
    background: rgba(255,255,255,.1);
    border: 1px solid rgba(255,255,255,.2);
    border-radius: var(--radius-sm);
    color: #fff;
    font-size: .93rem;
    padding: 10px 12px;
    outline: none;
    transition: border-color .14s;
    font-family: inherit;
    -webkit-appearance: none;
    appearance: none;
}
.sim-widget__input { padding-left: 28px; }
.sim-widget__input::placeholder { color: rgba(255,255,255,.35); }
.sim-widget__input:focus,
.sim-widget__select:focus { border-color: #60a5fa; }
.sim-widget__select option { background: #1e3a5f; color: #fff; }

.sim-widget__actions { text-align: center; }
.sim-widget__btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: #f59e0b;
    color: #1a1a2e;
    font-size: .97rem;
    font-weight: 700;
    padding: 13px 36px;
    border-radius: 99px;
    border: none;
    cursor: pointer;
    letter-spacing: .01em;
    transition: background .15s, transform .15s;
}
.sim-widget__btn:hover { background: #d97706; transform: translateY(-2px); }

.sim-widget__result {
    margin-top: 28px;
    background: rgba(255,255,255,.09);
    border: 1px solid rgba(255,255,255,.18);
    border-radius: var(--radius-md);
    padding: 22px 24px;
}
.sim-widget__result-inner { margin-bottom: 16px; }
.sim-w-badge {
    display: inline-block;
    font-size: .82rem;
    font-weight: 700;
    padding: 4px 14px;
    border-radius: 99px;
    margin-bottom: 10px;
}
.sim-w-badge--likely   { background: rgba(16,185,129,.2);  color: #6ee7b7; border: 1px solid rgba(16,185,129,.3); }
.sim-w-badge--possible { background: rgba(245,158,11,.2);  color: #fcd34d; border: 1px solid rgba(245,158,11,.3); }
.sim-w-badge--unlikely { background: rgba(239,68,68,.2);   color: #fca5a5; border: 1px solid rgba(239,68,68,.3); }
.sim-w-amount { font-size: 1.25rem; font-weight: 800; color: #fff; margin-bottom: 4px; }
.sim-w-rate   { font-size: .86rem; color: rgba(255,255,255,.65); }
.sim-w-msg    { font-size: .88rem; color: rgba(255,255,255,.75); line-height: 1.5; }

.sim-widget__result-actions {
    display: flex;
    gap: 14px;
    flex-wrap: wrap;
    align-items: center;
    padding-top: 14px;
    border-top: 1px solid rgba(255,255,255,.12);
}
.sim-widget__full-link {
    font-size: .9rem;
    font-weight: 700;
    color: #93c5fd;
    text-decoration: none;
}
.sim-widget__full-link:hover { color: #bfdbfe; text-decoration: underline; }
.sim-widget__consult-link {
    font-size: .88rem;
    font-weight: 600;
    color: rgba(255,255,255,.7);
    text-decoration: none;
    padding: 6px 16px;
    border: 1px solid rgba(255,255,255,.25);
    border-radius: 99px;
    transition: background .13s;
}
.sim-widget__consult-link:hover { background: rgba(255,255,255,.1); text-decoration: none; }
.sim-widget__footnote {
    text-align: center;
    font-size: .78rem;
    color: rgba(255,255,255,.4);
    margin: 20px 0 0;
}

/* ══ LOAN SCENARIO SIMULATOR — FULL PAGE ════════════════════ */
.sim-hero {
    background: linear-gradient(135deg, #0f172a 0%, #1a3559 100%);
    padding: 52px 0 44px;
    text-align: center;
}
.sim-hero__badge {
    display: inline-block;
    background: rgba(245,158,11,.18);
    color: #fbbf24;
    border: 1px solid rgba(245,158,11,.35);
    font-size: .78rem;
    font-weight: 700;
    letter-spacing: .06em;
    text-transform: uppercase;
    padding: 4px 14px;
    border-radius: 99px;
    margin-bottom: 14px;
}
.sim-hero__title { font-size: 2.2rem; font-weight: 800; color: #fff; letter-spacing: -.025em; margin: 0 0 12px; }
.sim-hero__sub   { font-size: 1.05rem; color: rgba(255,255,255,.72); max-width: 600px; margin: 0 auto; line-height: 1.65; }

.sim-page { padding: 40px 16px 72px; }
.sim-layout {
    display: grid;
    grid-template-columns: 480px 1fr;
    gap: 32px;
    align-items: start;
}

.sim-form__section {
    background: #fff;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    padding: 28px;
    margin-bottom: 20px;
}
.sim-form__section-title {
    font-size: 1rem;
    font-weight: 800;
    color: var(--color-text);
    margin: 0 0 22px;
    padding-bottom: 12px;
    border-bottom: 2px solid var(--color-border-light);
}
.sim-field { margin-bottom: 20px; }
.sim-field:last-child { margin-bottom: 0; }
.sim-field > label { display: block; font-size: .86rem; font-weight: 600; margin-bottom: 7px; color: var(--color-text); }
.sim-req { color: #ef4444; }
.sim-optional { font-size: .78rem; font-weight: 400; color: var(--color-text-muted); }
.sim-hint { font-size: .78rem; color: var(--color-text-muted); margin: 5px 0 0; line-height: 1.4; }
.sim-hint a { color: var(--color-primary); }

.sim-input-wrap { position: relative; }
.sim-input-wrap--dollar .sim-input-prefix {
    position: absolute;
    left: 12px;
    top: 50%;
    transform: translateY(-50%);
    color: var(--color-text-secondary);
    font-size: .9rem;
    pointer-events: none;
}
.sim-input-wrap--dollar .sim-input { padding-left: 26px; }
.sim-input,
.sim-select {
    width: 100%;
    padding: 10px 14px;
    border: 1.5px solid var(--color-border);
    border-radius: var(--radius-sm);
    font-size: .93rem;
    color: var(--color-text);
    background: #fff;
    font-family: inherit;
    outline: none;
    transition: border-color .14s, box-shadow .14s;
    -webkit-appearance: none;
    appearance: none;
}
.sim-input:focus,
.sim-select:focus {
    border-color: var(--color-primary);
    box-shadow: 0 0 0 3px rgba(26,86,219,.12);
}

.sim-loan-type-grid {
    display: grid;
    grid-template-columns: repeat(4,1fr);
    gap: 8px;
    margin-bottom: 8px;
}
.sim-type-btn {
    padding: 9px 6px;
    font-size: .8rem;
    font-weight: 600;
    border: 1.5px solid var(--color-border);
    border-radius: var(--radius-sm);
    background: #fff;
    color: var(--color-text-secondary);
    cursor: pointer;
    text-align: center;
    transition: all .14s;
}
.sim-type-btn:hover        { border-color: var(--color-primary); color: var(--color-primary); background: var(--color-primary-light); }
.sim-type-btn--active      { border-color: var(--color-primary); background: var(--color-primary-light); color: var(--color-primary); font-weight: 700; }

.sim-form__footer {
    background: #fff;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    padding: 24px 28px;
    text-align: center;
}
.sim-analyze-btn {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    background: linear-gradient(135deg, #1a56db 0%, #1245b8 100%);
    color: #fff;
    font-size: 1.05rem;
    font-weight: 700;
    padding: 14px 48px;
    border-radius: 99px;
    border: none;
    cursor: pointer;
    letter-spacing: .01em;
    transition: transform .15s, box-shadow .15s;
    box-shadow: 0 4px 14px rgba(26,86,219,.35);
}
.sim-analyze-btn:hover { transform: translateY(-2px); box-shadow: 0 6px 20px rgba(26,86,219,.45); }
.sim-analyze-btn__icon { font-size: 1.15rem; }
.sim-form__disclaimer { font-size: .76rem; color: var(--color-text-muted); margin: 10px 0 0; }

.sim-results-card {
    background: #fff;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-md);
}
.sim-results-header { padding: 24px 28px 20px; display: flex; flex-direction: column; gap: 8px; }
.sim-results-header--likely   { background: #f0fdf4; border-bottom: 2px solid #86efac; }
.sim-results-header--possible { background: #fffbeb; border-bottom: 2px solid #fde68a; }
.sim-results-header--unlikely { background: #fef2f2; border-bottom: 2px solid #fecaca; }

.sim-results-badge { display: inline-block; font-size: .82rem; font-weight: 700; padding: 4px 14px; border-radius: 99px; width: fit-content; }
.sim-results-badge--likely   { background: #dcfce7; color: #15803d; border: 1px solid #86efac; }
.sim-results-badge--possible { background: #fef9c3; color: #854d0e; border: 1px solid #fde047; }
.sim-results-badge--unlikely { background: #fee2e2; color: #991b1b; border: 1px solid #fca5a5; }
.sim-results-loan-type { font-size: .95rem; font-weight: 700; color: var(--color-text); }

.sim-qualify-block { padding: 24px 28px; border-bottom: 1px solid var(--color-border-light); }
.sim-qualify-label  { font-size: .82rem; font-weight: 600; color: var(--color-text-muted); text-transform: uppercase; letter-spacing: .06em; margin-bottom: 6px; }
.sim-qualify-amount { font-size: 2.2rem; font-weight: 900; color: var(--color-primary); letter-spacing: -.03em; line-height: 1.1; margin-bottom: 6px; }
.sim-qualify-sub    { font-size: .85rem; color: var(--color-text-secondary); }

.sim-metrics-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 0; border-bottom: 1px solid var(--color-border-light); }
.sim-metric { padding: 16px 20px; border-right: 1px solid var(--color-border-light); border-bottom: 1px solid var(--color-border-light); }
.sim-metric:nth-child(2n) { border-right: none; }
.sim-metric:nth-last-child(-n+2) { border-bottom: none; }
.sim-metric__label { font-size: .74rem; font-weight: 600; color: var(--color-text-muted); text-transform: uppercase; letter-spacing: .05em; margin-bottom: 4px; }
.sim-metric__value { font-size: .97rem; font-weight: 700; color: var(--color-text); }

.sim-breakdown { padding: 20px 24px; border-bottom: 1px solid var(--color-border-light); }
.sim-breakdown__title { font-size: .82rem; font-weight: 700; color: var(--color-text-secondary); margin-bottom: 12px; }
.sim-breakdown__bar { display: flex; height: 28px; border-radius: 6px; overflow: hidden; margin-bottom: 10px; }
.sim-bar-seg {
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: .7rem;
    font-weight: 700;
    color: #fff;
    overflow: hidden;
    white-space: nowrap;
    min-width: 0;
}
.sim-bar-seg--pi   { background: #1a56db; }
.sim-bar-seg--ti   { background: #7c3aed; }
.sim-bar-seg--debt { background: #ef4444; }
.sim-bar-seg--free { background: #10b981; }
.sim-breakdown__legend { display: flex; flex-wrap: wrap; gap: 12px; font-size: .75rem; color: var(--color-text-secondary); }
.sim-legend-dot { display: inline-block; width: 9px; height: 9px; border-radius: 2px; vertical-align: middle; margin-right: 3px; }
.sim-legend-dot--pi   { background: #1a56db; }
.sim-legend-dot--ti   { background: #7c3aed; }
.sim-legend-dot--debt { background: #ef4444; }
.sim-legend-dot--free { background: #10b981; }

.sim-notes { padding: 20px 24px; border-bottom: 1px solid var(--color-border-light); }
.sim-notes-list { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 8px; }
.sim-notes-list li { font-size: .83rem; color: var(--color-text-secondary); padding-left: 18px; position: relative; line-height: 1.5; }
.sim-notes-list li::before { content: '•'; position: absolute; left: 0; color: var(--color-primary); font-weight: 700; }
.sim-elig-note { margin-top: 10px; font-size: .82rem; font-weight: 600; color: #7c3aed; background: #f5f3ff; border: 1px solid #ddd6fe; border-radius: 6px; padding: 8px 12px; }

.sim-disclaimer-box { margin: 0; padding: 16px 24px; font-size: .79rem; color: #92400e; background: #fffbeb; border-top: 1px solid #fde68a; line-height: 1.55; }
.sim-warn-box { margin-top: 12px; padding: 12px 16px; font-size: .82rem; color: #92400e; background: #fffbeb; border: 1px solid #fde68a; border-radius: 8px; line-height: 1.5; }

.sim-cta-block { padding: 24px 28px; text-align: center; background: #f8fafc; }
.sim-cta-label { font-size: .88rem; color: var(--color-text-secondary); margin-bottom: 14px; }
.sim-cta-btn {
    display: inline-block;
    font-size: .93rem;
    font-weight: 700;
    padding: 12px 28px;
    border-radius: 99px;
    border: none;
    cursor: pointer;
    text-decoration: none;
    transition: transform .14s, box-shadow .14s;
    font-family: inherit;
}
.sim-cta-btn--primary {
    background: linear-gradient(135deg, #1a56db 0%, #1245b8 100%);
    color: #fff;
    box-shadow: 0 4px 14px rgba(26,86,219,.3);
    width: 100%;
    display: block;
    margin-bottom: 12px;
}
.sim-cta-btn--primary:hover { transform: translateY(-1px); box-shadow: 0 6px 18px rgba(26,86,219,.4); text-decoration: none; color: #fff; }
.sim-cta-row { display: flex; gap: 10px; justify-content: center; }
.sim-cta-btn--secondary {
    background: #fff;
    color: var(--color-text-secondary);
    border: 1.5px solid var(--color-border);
    font-size: .85rem;
    padding: 9px 20px;
}
.sim-cta-btn--secondary:hover { border-color: var(--color-primary); color: var(--color-primary); text-decoration: none; background: var(--color-primary-light); }

.sim-how-it-works { margin-top: 48px; padding: 40px; background: #fff; border: 1px solid var(--color-border); border-radius: var(--radius-lg); text-align: center; }
.sim-how-it-works h2 { font-size: 1.3rem; font-weight: 800; margin: 0 0 28px; }
.sim-steps-row { display: grid; grid-template-columns: repeat(4,1fr); gap: 24px; }
.sim-step { display: flex; flex-direction: column; align-items: center; gap: 12px; text-align: center; }
.sim-step__num {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: var(--color-primary-light);
    color: var(--color-primary);
    font-size: 1.1rem;
    font-weight: 800;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}
.sim-step strong { font-size: .92rem; font-weight: 700; display: block; margin-bottom: 4px; }
.sim-step p { font-size: .8rem; color: var(--color-text-secondary); margin: 0; line-height: 1.5; }

/* ══ SIMULATOR RESPONSIVE ════════════════════════════════════ */
@media (max-width: 1024px) {
    .sim-layout { grid-template-columns: 1fr; }
    .sim-results-col { order: -1; }
}
@media (max-width: 768px) {
    .sim-hero__title          { font-size: 1.65rem; }
    .sim-widget__fields       { grid-template-columns: 1fr; }
    .sim-loan-type-grid       { grid-template-columns: repeat(2,1fr); }
    .sim-metrics-grid         { grid-template-columns: 1fr; }
    .sim-metric               { border-right: none; }
    .sim-steps-row            { grid-template-columns: repeat(2,1fr); }
    .sim-how-it-works         { padding: 24px 20px; }
    .sim-qualify-amount       { font-size: 1.75rem; }
    .sim-cta-row              { flex-direction: column; }
}
@media (max-width: 480px) {
    .sim-steps-row { grid-template-columns: 1fr; }
    .sim-widget__title { font-size: 1.35rem; }
}

/* Nav star badge */
.nav-res-star { font-size: .85em; }
.nav-res-item--starred .nav-res-item__name { color: var(--color-text); }
.nav-res-item--starred:hover .nav-res-item__name { color: var(--color-primary); }

/* ══ REAL LIFE SCENARIOS PAGE ═══════════════════════════════ */
@keyframes scnFadeIn {
    from { opacity: 0; transform: translateY(8px); }
    to   { opacity: 1; transform: translateY(0); }
}

/* Hero */
.scn-hero {
    background: linear-gradient(135deg, #1e1b4b 0%, #312e81 60%, #1e3a5f 100%);
    padding: 56px 0 44px;
    text-align: center;
}
.scn-hero__badge {
    display: inline-block;
    background: rgba(251,191,36,.18);
    color: #fde68a;
    border: 1px solid rgba(251,191,36,.35);
    font-size: .78rem;
    font-weight: 700;
    letter-spacing: .07em;
    text-transform: uppercase;
    padding: 4px 14px;
    border-radius: 99px;
    margin-bottom: 14px;
}
.scn-hero__title { font-size: 2.3rem; font-weight: 900; color: #fff; letter-spacing: -.03em; margin: 0 0 12px; }
.scn-hero__sub   { font-size: 1.05rem; color: rgba(255,255,255,.72); max-width: 620px; margin: 0 auto 28px; line-height: 1.65; }
.scn-hero__stats {
    display: flex;
    justify-content: center;
    gap: 40px;
}
.scn-hero__stat {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 2px;
    color: rgba(255,255,255,.7);
    font-size: .82rem;
}
.scn-hero__stat-num { font-size: 1.8rem; font-weight: 900; color: #fde68a; line-height: 1; }

/* Filter bar */
.scn-filter-bar {
    background: #fff;
    border-bottom: 1px solid var(--color-border);
    position: sticky;
    top: var(--nav-height);
    z-index: 90;
    box-shadow: 0 2px 8px rgba(0,0,0,.06);
}
.scn-filter-inner {
    display: flex;
    gap: 4px;
    padding: 10px 0;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
}
.scn-filter-inner::-webkit-scrollbar { display: none; }
.scn-filter-btn {
    flex-shrink: 0;
    padding: 7px 16px;
    font-size: .82rem;
    font-weight: 600;
    border: 1.5px solid var(--color-border);
    border-radius: 99px;
    background: #fff;
    color: var(--color-text-secondary);
    cursor: pointer;
    white-space: nowrap;
    transition: all .13s;
    font-family: inherit;
}
.scn-filter-btn:hover { border-color: var(--color-primary); color: var(--color-primary); }
.scn-filter-btn--active { background: var(--color-primary); color: #fff; border-color: var(--color-primary); }

/* Page + grid */
.scn-page { padding: 40px 16px 72px; }
.scn-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 28px;
}

/* Card */
.scn-card {
    background: #fff;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
    transition: transform .18s, box-shadow .18s;
    animation: scnFadeIn .4s ease;
}
.scn-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }

/* Card top band — color per type */
.scn-card__top {
    display: flex;
    align-items: center;
    gap: 16px;
    padding: 20px 24px;
    border-bottom: 1px solid rgba(0,0,0,.06);
}
.scn-card__top--fha  { background: linear-gradient(135deg, #f0fdf4, #dcfce7); }
.scn-card__top--va   { background: linear-gradient(135deg, #fef2f2, #fee2e2); }
.scn-card__top--usda { background: linear-gradient(135deg, #fefce8, #fef9c3); }
.scn-card__top--conv { background: linear-gradient(135deg, #eff6ff, #dbeafe); }
.scn-card__top--refi { background: linear-gradient(135deg, #f0fdfa, #ccfbf1); }
.scn-card__top--sba  { background: linear-gradient(135deg, #fff7ed, #fed7aa); }
.scn-card__top--jumbo { background: linear-gradient(135deg, #faf5ff, #ede9fe); }
.scn-card__top--comm  { background: linear-gradient(135deg, #f8fafc, #e2e8f0); }

.scn-avatar {
    width: 56px;
    height: 56px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.8rem;
    flex-shrink: 0;
    background: rgba(255,255,255,.7);
    border: 2px solid rgba(0,0,0,.08);
}
.scn-card__meta { flex: 1; }
.scn-card__name { font-size: 1.15rem; font-weight: 800; margin: 4px 0 3px; color: var(--color-text); }
.scn-card__loc  { font-size: .8rem; color: var(--color-text-secondary); }

.scn-result--success {
    flex-shrink: 0;
    background: #dcfce7;
    color: #15803d;
    border: 1px solid #86efac;
    font-size: .76rem;
    font-weight: 700;
    padding: 4px 10px;
    border-radius: 99px;
    white-space: nowrap;
}

/* Loan type badges */
.scn-badge { display: inline-block; font-size: .72rem; font-weight: 700; padding: 2px 10px; border-radius: 99px; margin-bottom: 2px; }
.scn-badge--fha  { background: #dcfce7; color: #15803d; border: 1px solid #86efac; }
.scn-badge--va   { background: #fee2e2; color: #991b1b; border: 1px solid #fca5a5; }
.scn-badge--usda { background: #fef9c3; color: #713f12; border: 1px solid #fde047; }
.scn-badge--conv { background: #dbeafe; color: #1e40af; border: 1px solid #93c5fd; }
.scn-badge--refi { background: #ccfbf1; color: #0f766e; border: 1px solid #5eead4; }
.scn-badge--sba  { background: #fed7aa; color: #9a3412; border: 1px solid #fdba74; }
.scn-badge--jumbo { background: #ede9fe; color: #5b21b6; border: 1px solid #c4b5fd; }
.scn-badge--comm  { background: #e2e8f0; color: #334155; border: 1px solid #94a3b8; }

/* Situation block */
.scn-situation {
    padding: 18px 24px 12px;
    border-bottom: 1px solid var(--color-border-light);
}
.scn-situation__label { font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--color-text-muted); margin-bottom: 7px; }
.scn-situation p { font-size: .9rem; color: var(--color-text-secondary); line-height: 1.6; margin: 0; }
.scn-situation strong { color: var(--color-text); }

/* Steps timeline */
.scn-steps {
    padding: 16px 24px;
    display: flex;
    flex-direction: column;
    gap: 14px;
    border-bottom: 1px solid var(--color-border-light);
}
.scn-step {
    display: flex;
    gap: 14px;
    align-items: flex-start;
}
.scn-step__num {
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: var(--color-primary);
    color: #fff;
    font-size: .8rem;
    font-weight: 800;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    margin-top: 1px;
}
.scn-step__body strong { display: block; font-size: .9rem; font-weight: 700; margin-bottom: 3px; color: var(--color-text); }
.scn-step__body p { font-size: .84rem; color: var(--color-text-secondary); margin: 0; line-height: 1.55; }
.scn-step__body strong { color: var(--color-text); }

/* Numbers strip */
.scn-numbers {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    border-top: 1px solid var(--color-border-light);
    border-bottom: 1px solid var(--color-border-light);
}
.scn-num {
    display: flex;
    flex-direction: column;
    align-items: center;
    padding: 14px 8px;
    border-right: 1px solid var(--color-border-light);
    text-align: center;
}
.scn-num:last-child { border-right: none; }
.scn-num__val { font-size: .97rem; font-weight: 800; color: var(--color-primary); line-height: 1.2; }
.scn-num__lbl { font-size: .67rem; font-weight: 600; color: var(--color-text-muted); text-transform: uppercase; letter-spacing: .04em; margin-top: 3px; }

/* Lesson */
.scn-lesson {
    padding: 14px 24px;
    font-size: .82rem;
    color: var(--color-text-secondary);
    background: #f8fafc;
    line-height: 1.55;
}
.scn-lesson strong { color: var(--color-text); }

/* Bottom CTA */
.scn-bottom-cta {
    display: flex;
    align-items: center;
    gap: 24px;
    background: linear-gradient(135deg, #1e1b4b 0%, #312e81 100%);
    border-radius: var(--radius-lg);
    padding: 32px 36px;
    margin-top: 48px;
}
.scn-bottom-cta__icon { font-size: 2.5rem; flex-shrink: 0; }
.scn-bottom-cta__body { flex: 1; }
.scn-bottom-cta__body h2 { font-size: 1.25rem; font-weight: 800; color: #fff; margin: 0 0 6px; }
.scn-bottom-cta__body p  { font-size: .9rem; color: rgba(255,255,255,.7); margin: 0; line-height: 1.5; }
.scn-bottom-cta__btns { display: flex; flex-direction: column; gap: 10px; flex-shrink: 0; }
.scn-cta-btn {
    display: inline-block;
    padding: 11px 24px;
    border-radius: 99px;
    font-size: .9rem;
    font-weight: 700;
    text-decoration: none;
    white-space: nowrap;
    text-align: center;
    transition: transform .13s;
}
.scn-cta-btn:hover { transform: translateY(-1px); text-decoration: none; }
.scn-cta-btn--primary  { background: #f59e0b; color: #1a1a2e; }
.scn-cta-btn--secondary { background: rgba(255,255,255,.15); color: #fff; border: 1px solid rgba(255,255,255,.3); }
.scn-cta-btn--secondary:hover { color: #fff; background: rgba(255,255,255,.22); }

/* ══ SCENARIOS RESPONSIVE ════════════════════════════════════ */
@media (max-width: 900px) {
    .scn-grid { grid-template-columns: 1fr; }
    .scn-bottom-cta { flex-direction: column; text-align: center; }
    .scn-bottom-cta__btns { flex-direction: row; }
}
@media (max-width: 640px) {
    .scn-hero__title { font-size: 1.7rem; }
    .scn-hero__stats { gap: 20px; }
    .scn-numbers { grid-template-columns: repeat(2,1fr); }
    .scn-num:nth-child(2) { border-right: none; }
    .scn-num:nth-child(3) { border-right: 1px solid var(--color-border-light); border-top: 1px solid var(--color-border-light); }
    .scn-num:nth-child(4) { border-top: 1px solid var(--color-border-light); }
    .scn-bottom-cta__btns { flex-direction: column; width: 100%; }
    .scn-cta-btn { width: 100%; }
    .scn-card__top { flex-wrap: wrap; }
    .scn-result--success { order: -1; width: 100%; text-align: center; margin-bottom: 4px; }
}

/* Resource card — simulator variant */
.resource-card--simulator {
    display: flex;
    align-items: center;
    gap: 24px;
    background: linear-gradient(135deg, #eff6ff 0%, #dbeafe 100%);
    border: 2px solid #93c5fd;
    border-radius: var(--radius-lg);
    padding: 28px;
    text-decoration: none;
    color: var(--color-text);
    transition: transform .15s, box-shadow .15s;
    margin-bottom: 8px;
}
.resource-card--simulator:hover { transform: translateY(-3px); box-shadow: 0 8px 28px rgba(37,99,235,.18); text-decoration: none; }
.resource-card--simulator .resource-card__icon { width: 64px; height: 64px; flex-shrink: 0; }
.resource-card--simulator .resource-card__icon svg { width: 64px; height: 64px; }
.resource-card--simulator .resource-card__body { flex: 1; min-width: 0; }
.resource-card--simulator .resource-card__title { font-size: 1.2rem; font-weight: 800; margin: 0 0 6px; color: #1e3a8a; }
.resource-card--simulator .resource-card__desc  { font-size: .9rem; color: var(--color-text-secondary); margin: 0 0 10px; line-height: 1.5; }
.resource-card--simulator .resource-card__arrow { font-size: 1.5rem; color: #2563eb; flex-shrink: 0; }

/* Checklist simulator CTA */
.checklist-sim-cta {
    display: flex;
    align-items: center;
    gap: 20px;
    background: linear-gradient(135deg, #0f172a 0%, #1e3a5f 100%);
    border-radius: var(--radius-lg);
    padding: 24px 28px;
    margin-top: 28px;
}
.checklist-sim-cta__icon { font-size: 2rem; flex-shrink: 0; }
.checklist-sim-cta__body { flex: 1; }
.checklist-sim-cta__body strong { display: block; font-size: 1rem; font-weight: 700; color: #fff; margin-bottom: 4px; }
.checklist-sim-cta__body p { font-size: .88rem; color: rgba(255,255,255,.7); margin: 0; line-height: 1.5; }
.checklist-sim-cta__btn {
    display: inline-block;
    flex-shrink: 0;
    background: #f59e0b;
    color: #1a1a2e;
    font-size: .9rem;
    font-weight: 700;
    padding: 11px 24px;
    border-radius: 99px;
    text-decoration: none;
    white-space: nowrap;
    transition: background .14s, transform .14s;
}
.checklist-sim-cta__btn:hover { background: #d97706; transform: translateY(-1px); text-decoration: none; }
@media (max-width: 640px) {
    .resource-card--simulator { flex-direction: column; text-align: center; }
    .resource-card--simulator .resource-card__arrow { display: none; }
    .checklist-sim-cta { flex-direction: column; text-align: center; }
    .checklist-sim-cta__btn { width: 100%; text-align: center; }
}