@import url("https://fonts.googleapis.com/css2?family=Manrope:wght@400;500;600;700;800&family=Sora:wght@600;700;800&display=swap");

:root {
    --bg-primary: #0b1320;
    --bg-secondary: #121c2e;
    --bg-tertiary: #16253c;
    --panel-bg: #121c2e;
    --panel-border: rgba(255, 255, 255, 0.06);
    --text-primary: #ffffff;
    --text-secondary: #c8d2e2;
    --text-muted: #8ea1bf;
    --accent-primary: #2e8cff;
    --accent-secondary: #3de0c5;
    --success: #32d296;
    --warning: #f6c343;
    --danger: #ff6b6b;
    --shadow-elevated: 0 35px 90px rgba(0, 0, 0, 0.55);
    --chart-loan: #2e8cff;
    --chart-savings: #3de0c5;
    --chart-interest: #f59e0b;
    --chart-net: #9a7cff;
    --chart-grid: rgba(146, 177, 222, 0.28);
    --chart-axis: #9eaec6;
    --chart-legend: #c8d4e8;
    --chart-center-primary: #d5e3f8;
    --chart-center-secondary: #a8bad5;
    --meter-safe-gradient: linear-gradient(90deg, #64b4ff, #59d4a4);
    --meter-moderate-gradient: linear-gradient(90deg, #64b4ff, #ffbf68);
    --meter-caution-gradient: linear-gradient(90deg, #ffbf68, #ff9c58);
    --meter-risk-gradient: linear-gradient(90deg, #ff9c58, #ff6e76);

    --bg-base: var(--bg-primary);
    --bg-panel: var(--panel-bg);
    --bg-inner: var(--bg-tertiary);
    --status-good: var(--success);
    --status-moderate: var(--warning);
    --status-risk: var(--danger);
    --charcoal-950: #0b1320;
    --charcoal-900: #121c2e;
    --charcoal-850: #16253c;
    --charcoal-800: #1a2a42;
    --charcoal-700: #243753;
    --blue-500: #2e8cff;
    --blue-400: #66a8ff;
    --orange-500: #3de0c5;
    --orange-400: #6eead6;
    --text-strong: var(--text-primary);
    --text-body: var(--text-secondary);
    --border: var(--panel-border);
    --radius-sm: 10px;
    --radius-md: 14px;
    --radius-lg: 18px;
    --shadow-soft: 0 10px 28px rgba(0, 0, 0, 0.32);
    --shadow-blue: 0 0 0 1px rgba(46, 140, 255, 0.24), 0 0 24px rgba(46, 140, 255, 0.14);
    --shadow-orange: 0 0 0 1px rgba(61, 224, 197, 0.24), 0 0 20px rgba(61, 224, 197, 0.13);
    --page-radial-start: #15223a;
    --page-radial-end: #0b1320;
    --page-gradient-end: #0f1622;
    --ambient-blue: rgba(46, 140, 255, 0.12);
    --ambient-teal: rgba(61, 224, 197, 0.1);
    --ambient-light: rgba(102, 168, 255, 0.07);
    --header-bg: rgba(11, 19, 32, 0.78);
    --brand-border: rgba(93, 163, 255, 0.36);
    --brand-bg: rgba(93, 163, 255, 0.1);
    --brand-hover-border: rgba(61, 224, 197, 0.5);
    --brand-hover-bg: rgba(61, 224, 197, 0.12);
    --nav-link-hover-border: rgba(93, 163, 255, 0.36);
    --nav-link-hover-bg: rgba(93, 163, 255, 0.12);
    --surface-gradient-start: rgba(22, 37, 60, 0.94);
    --surface-gradient-end: rgba(18, 28, 46, 0.96);
    --theme-toggle-bg: rgba(46, 140, 255, 0.08);
    --theme-toggle-border: rgba(46, 140, 255, 0.28);
    --theme-toggle-hover-bg: rgba(46, 140, 255, 0.18);
}

:root[data-theme="light"],
body[data-theme="light"] {
    --bg-primary: #f5f7fb;
    --bg-secondary: #ffffff;
    --bg-tertiary: #e9eef6;
    --panel-bg: #ffffff;
    --panel-border: rgba(0, 0, 0, 0.08);
    --text-primary: #1b2430;
    --text-secondary: #4b5565;
    --text-muted: #6b7280;
    --accent-primary: #2563eb;
    --accent-secondary: #10b981;
    --success: #13795b;
    --warning: #b97000;
    --danger: #be123c;
    --shadow-elevated: 0 15px 40px rgba(0, 0, 0, 0.08);
    --chart-loan: #2563eb;
    --chart-savings: #10b981;
    --chart-interest: #d97706;
    --chart-net: #7c5cff;
    --chart-grid: rgba(75, 102, 140, 0.2);
    --chart-axis: #61738c;
    --chart-legend: #3b4c63;
    --chart-center-primary: #31455f;
    --chart-center-secondary: #5f7591;
    --meter-safe-gradient: linear-gradient(90deg, #2f7bff, #20b887);
    --meter-moderate-gradient: linear-gradient(90deg, #2f7bff, #d08b1a);
    --meter-caution-gradient: linear-gradient(90deg, #e39a2e, #de5f46);
    --meter-risk-gradient: linear-gradient(90deg, #d77243, #ce3d52);

    --bg-base: var(--bg-primary);
    --bg-panel: var(--panel-bg);
    --bg-inner: var(--bg-tertiary);
    --status-good: var(--success);
    --status-moderate: var(--warning);
    --status-risk: var(--danger);
    --charcoal-950: #f7f9ff;
    --charcoal-900: #eef3ff;
    --charcoal-850: #e3ebff;
    --charcoal-800: #d7e3ff;
    --charcoal-700: #c5d5fa;
    --blue-500: var(--accent-primary);
    --blue-400: #4588ff;
    --orange-500: var(--accent-secondary);
    --orange-400: #0e7f6c;
    --text-strong: #10223f;
    --text-body: #203453;
    --text-muted: #536a8d;
    --border: rgba(16, 34, 63, 0.13);
    --shadow-soft: 0 10px 28px rgba(16, 34, 63, 0.12);
    --shadow-blue: 0 0 0 1px rgba(15, 98, 254, 0.24), 0 0 20px rgba(15, 98, 254, 0.13);
    --shadow-orange: 0 0 0 1px rgba(15, 157, 133, 0.24), 0 0 20px rgba(15, 157, 133, 0.12);
    --page-radial-start: #f6f9ff;
    --page-radial-end: #edf3ff;
    --page-gradient-end: #e6eeff;
    --ambient-blue: rgba(15, 98, 254, 0.12);
    --ambient-teal: rgba(15, 157, 133, 0.1);
    --ambient-light: rgba(69, 136, 255, 0.08);
    --header-bg: rgba(246, 249, 255, 0.86);
    --brand-border: rgba(69, 136, 255, 0.4);
    --brand-bg: rgba(69, 136, 255, 0.12);
    --brand-hover-border: rgba(15, 157, 133, 0.42);
    --brand-hover-bg: rgba(15, 157, 133, 0.14);
    --nav-link-hover-border: rgba(69, 136, 255, 0.4);
    --nav-link-hover-bg: rgba(69, 136, 255, 0.14);
    --surface-gradient-start: rgba(255, 255, 255, 0.96);
    --surface-gradient-end: rgba(239, 244, 255, 0.95);
    --theme-toggle-bg: rgba(69, 136, 255, 0.12);
    --theme-toggle-border: rgba(69, 136, 255, 0.34);
    --theme-toggle-hover-bg: rgba(69, 136, 255, 0.2);
}

* {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

html {
    color-scheme: dark;
}

html[data-theme="light"] {
    color-scheme: light;
}

body {
    --container-max: 1100px;
    font-family: "Manrope", "Avenir Next", "Trebuchet MS", "Segoe UI", sans-serif;
    background:
        radial-gradient(circle at top, var(--page-radial-start) 0%, var(--page-radial-end) 70%),
        linear-gradient(160deg, var(--charcoal-950), var(--charcoal-900) 35%, var(--page-gradient-end) 100%);
    color: var(--text-body);
    line-height: 1.7;
    min-height: 100vh;
    position: relative;
    isolation: isolate;
}

body,
header,
.card,
.btn,
.btn-primary,
.btn-secondary,
.theme-toggle {
    transition: background-color 0.3s ease, background 0.3s ease, color 0.3s ease, border-color 0.3s ease, box-shadow 0.3s ease;
}

body::before {
    content: "";
    position: fixed;
    inset: -20%;
    z-index: -1;
    pointer-events: none;
    background:
        radial-gradient(circle at 18% 20%, var(--ambient-blue), transparent 45%),
        radial-gradient(circle at 76% 24%, var(--ambient-teal), transparent 42%),
        radial-gradient(circle at 40% 88%, var(--ambient-light), transparent 48%);
    filter: blur(22px);
    animation: ambient-drift 18s ease-in-out infinite alternate;
}

body.page-contact,
body.page-brand-collab,
body.page-privacy,
body.page-terms {
    --container-max: 920px;
}

body.page-premium {
    --container-max: 1020px;
}

a {
    color: inherit;
    text-decoration: none;
}

a:hover {
    color: var(--text-strong);
}

h1,
h2,
h3 {
    font-family: "Sora", "Manrope", "Avenir Next", sans-serif;
    letter-spacing: -0.01em;
    color: var(--text-strong);
    line-height: 1.2;
}

h1 {
    font-size: clamp(2rem, 5vw, 3.6rem);
}

h2 {
    font-size: clamp(1.5rem, 3.2vw, 2.45rem);
}

h3 {
    font-size: clamp(1.15rem, 2vw, 1.45rem);
}

p,
label,
li,
input,
select,
textarea,
button {
    font-size: clamp(0.98rem, 1.4vw, 1.06rem);
}

.container {
    width: min(var(--container-max), calc(100% - 2.2rem));
    margin: 0 auto;
}

header {
    position: sticky;
    top: 0;
    z-index: 100;
    border-bottom: 1px solid var(--border);
    background: var(--header-bg);
    backdrop-filter: blur(12px);
}

.nav {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 0.7rem 1.1rem;
    padding: 1rem 0;
}

.nav a[aria-label="Homepage"] {
    display: inline-flex;
    align-items: center;
}

.brand-mark {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    font-family: "Sora", "Manrope", sans-serif;
    font-weight: 800;
    font-size: 1.08rem;
    color: var(--text-strong);
    letter-spacing: -0.01em;
    padding: 0.35rem 0.7rem 0.35rem 0.4rem;
    border: 1px solid var(--brand-border);
    border-radius: 999px;
    background: var(--brand-bg);
}

.brand-mark-logo {
    width: 52px;
    height: 52px;
    object-fit: contain;
    display: inline-block;
    filter: drop-shadow(0 0 10px rgba(61, 224, 197, 0.35));
}

.brand-mark:hover,
.brand-mark:focus-visible {
    border-color: var(--brand-hover-border);
    background: var(--brand-hover-bg);
    color: var(--text-strong);
}

.nav-links {
    display: flex;
    flex-wrap: wrap;
    gap: 0.55rem;
}

.nav-links a {
    color: var(--text-muted);
    font-weight: 600;
    font-size: 0.92rem;
    padding: 0.45rem 0.7rem;
    border-radius: 999px;
    border: 1px solid transparent;
    transition: color 0.2s ease, border-color 0.2s ease, background 0.2s ease;
}

.nav-links a:hover,
.nav-links a:focus-visible {
    color: var(--text-strong);
    border-color: var(--nav-link-hover-border);
    background: var(--nav-link-hover-bg);
}

.theme-toggle {
    appearance: none;
    border: 1px solid var(--theme-toggle-border);
    background: var(--theme-toggle-bg);
    color: var(--text-strong);
    border-radius: 999px;
    font-weight: 700;
    font-size: 0.86rem;
    padding: 0.45rem 0.75rem;
    line-height: 1;
    cursor: pointer;
    transition: background 0.2s ease, border-color 0.2s ease, transform 0.2s ease;
}

.theme-toggle:hover,
.theme-toggle:focus-visible {
    background: var(--theme-toggle-hover-bg);
    border-color: var(--accent-primary);
    transform: translateY(-1px);
}

.mobile-toggle {
    display: none;
}

main {
    padding-bottom: 2rem;
}

.hero {
    padding: clamp(3.8rem, 8vw, 6.2rem) 0 clamp(2.5rem, 5vw, 4rem);
}

.hero .container {
    text-align: center;
}

.loan-hero-grid {
    display: grid;
    gap: 1.2rem;
    align-items: stretch;
}

.loan-hero-copy {
    text-align: left;
}

.loan-hero-copy p {
    margin-top: 1rem;
    color: var(--text-muted);
    max-width: 660px;
}

.soft-approval-hook {
    margin-top: 1rem;
    padding: 1rem 1.1rem;
    border-radius: var(--radius-md);
    border: 1px solid rgba(93, 163, 255, 0.35);
    background: linear-gradient(165deg, rgba(25, 37, 53, 0.94), rgba(14, 22, 34, 0.95));
    box-shadow: var(--shadow-soft), var(--shadow-blue);
}

.soft-approval-hook h3 {
    font-size: 1.1rem;
    margin-bottom: 0.4rem;
}

.soft-approval-hook ul {
    list-style: none;
    display: grid;
    gap: 0.25rem;
    color: var(--text-body);
}

.live-proof {
    margin-top: 0.75rem;
    color: var(--orange-400);
    font-weight: 700;
    font-size: 0.95rem;
}

.loan-highlight {
    text-align: left;
    padding: 1.4rem;
}

.hero-visual {
    border-radius: var(--radius-lg);
    border: 1px solid var(--border);
    background: linear-gradient(165deg, rgba(30, 42, 58, 0.9), rgba(17, 25, 36, 0.95));
    box-shadow: var(--shadow-soft), var(--shadow-orange);
    overflow: hidden;
}

.hero-visual img {
    display: block;
    width: 100%;
    height: auto;
}

.hero-visual-caption {
    padding: 0.9rem 1rem 1rem;
    color: var(--text-muted);
}

.hero-visual-caption strong {
    color: var(--text-strong);
}

.loan-highlight h3 {
    margin-bottom: 0.75rem;
}

.loan-highlight ul {
    list-style: none;
    display: grid;
    gap: 0.45rem;
}

.loan-highlight li {
    position: relative;
    padding-left: 1.2rem;
}

.loan-highlight li::before {
    content: "•";
    position: absolute;
    left: 0;
    color: var(--blue-400);
}

.hero .container > p {
    color: var(--text-muted);
    max-width: 760px;
    margin: 1rem auto 0;
}

.hero .container > h1 {
    text-wrap: balance;
    animation: float-gentle 7s ease-in-out infinite;
}

.section,
.form-section,
.posts,
.feature-preview,
.waitlist-section,
.benefits,
.content {
    padding: clamp(2.7rem, 6vw, 5rem) 0;
}

.metrics,
.filter-bar,
.feature-preview,
.benefits {
    border-top: 1px solid var(--border);
    border-bottom: 1px solid var(--border);
}

.metrics-grid,
.framework-grid,
.posts-grid,
.collab-grid,
.tools-grid,
.benefits-grid,
.preview-grid {
    display: grid;
    gap: 1.1rem;
}

.metrics-grid {
    text-align: center;
}

.metric {
    padding: 1.4rem 1rem;
    border-radius: var(--radius-md);
    border: 1px solid var(--border);
    background: linear-gradient(180deg, rgba(26, 37, 52, 0.92), rgba(16, 23, 34, 0.88));
    box-shadow: var(--shadow-soft), var(--shadow-blue);
    animation: pulse-blue 5.2s ease-in-out infinite;
}

.metric h3 {
    margin-bottom: 0.35rem;
    color: var(--blue-400);
    font-size: clamp(1.4rem, 2.8vw, 2.2rem);
}

.metric p {
    color: var(--text-muted);
}

.trust-strip {
    border-top: 1px solid var(--border);
    border-bottom: 1px solid var(--border);
    background: rgba(12, 19, 29, 0.85);
}

.conversion-funnel {
    border-top: 1px solid var(--border);
    border-bottom: 1px solid var(--border);
    background: rgba(11, 18, 27, 0.9);
    padding: 1rem 0;
}

.conversion-funnel h2 {
    margin-bottom: 0.8rem;
}

.funnel-grid {
    display: grid;
    gap: 0.7rem;
}

.funnel-stage {
    border: 1px solid var(--border);
    background: rgba(21, 31, 45, 0.9);
    border-radius: var(--radius-sm);
    padding: 0.72rem 0.82rem;
}

.funnel-stage-label {
    color: var(--text-muted);
    font-size: 0.84rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.funnel-stage-step {
    margin-top: 0.15rem;
    color: var(--text-strong);
    font-weight: 800;
    line-height: 1.4;
}

.funnel-stage-final {
    border-color: rgba(61, 224, 197, 0.45);
    box-shadow: var(--shadow-soft), var(--shadow-orange);
}

.funnel-stage-link {
    display: inline-flex;
    color: var(--orange-400);
}

.funnel-stage-link:hover,
.funnel-stage-link:focus-visible {
    color: var(--text-strong);
}

.trust-grid {
    padding: 1rem 0;
    display: grid;
    gap: 0.7rem;
}

.social-proof-wrap {
    padding: 0 0 1rem;
    text-align: center;
}

.social-proof-text {
    color: var(--orange-400);
    font-weight: 800;
}

.trust-item {
    border: 1px solid var(--border);
    background: rgba(21, 31, 45, 0.9);
    border-radius: var(--radius-sm);
    padding: 0.6rem 0.75rem;
    color: var(--text-body);
    font-weight: 700;
    text-align: center;
}

.section h2,
.content h1,
.waitlist-section h2,
.section > .container > h2 {
    margin-bottom: 1rem;
}

.section > .container > p,
.content p,
.notice,
.disclosure,
.cta-box {
    color: var(--text-muted);
}

.section > .container > p {
    max-width: 760px;
    margin-left: auto;
    margin-right: auto;
}

.card,
.post-card,
.benefit-card,
.success-box,
.success,
.content > .container,
.form-section > .container {
    background: linear-gradient(165deg, var(--surface-gradient-start), var(--surface-gradient-end));
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-soft);
}

.form-section > .container,
.content > .container {
    padding: clamp(1.2rem, 3.2vw, 2.1rem);
}

.card,
.benefit-card {
    padding: 1.4rem;
    transition: transform 0.2s ease, border-color 0.2s ease, box-shadow 0.2s ease;
}

.card:hover,
.post-card:hover,
.benefit-card:hover {
    transform: translateY(-2px);
    border-color: rgba(46, 140, 255, 0.42);
    box-shadow: var(--shadow-soft), var(--shadow-blue);
}

.framework-grid .card:nth-child(2),
.collab-grid .card:nth-child(2),
.preview-grid .card:nth-child(2),
.benefits-grid .benefit-card:nth-child(2),
.posts-grid .post-card:nth-child(2) {
    box-shadow: var(--shadow-soft), var(--shadow-orange);
    animation: pulse-orange 5.6s ease-in-out infinite;
}

.post-card {
    overflow: hidden;
}

.post-thumb {
    min-height: 170px;
    display: grid;
    place-items: center;
    font-weight: 700;
    color: var(--text-body);
    letter-spacing: 0.03em;
    text-transform: uppercase;
    background:
        linear-gradient(135deg, rgba(47, 128, 255, 0.26), rgba(255, 138, 42, 0.22)),
        linear-gradient(180deg, var(--charcoal-800), var(--charcoal-900));
}

.post-content {
    padding: 1.3rem;
}

.post-content h3 {
    margin-bottom: 0.55rem;
}

.filter-bar {
    display: flex;
    justify-content: center;
    flex-wrap: wrap;
    gap: 0.7rem;
    padding: 1.35rem 1.1rem;
}

.filter-btn {
    border: 1px solid var(--border);
    background: rgba(34, 47, 65, 0.75);
    color: var(--text-body);
    border-radius: 999px;
    padding: 0.48rem 1rem;
    font-weight: 700;
    cursor: pointer;
    transition: border-color 0.2s ease, background 0.2s ease, transform 0.2s ease;
}

.filter-btn:hover {
    transform: translateY(-1px);
    border-color: rgba(93, 163, 255, 0.45);
}

.filter-btn.active {
    background: linear-gradient(90deg, rgba(47, 128, 255, 0.85), rgba(255, 138, 42, 0.84));
    border-color: transparent;
    color: #fff;
    box-shadow: var(--shadow-blue);
}

form {
    display: grid;
    gap: 1rem;
}

.email-box,
.form-box,
.waitlist-box {
    max-width: 540px;
    margin-inline: auto;
}

.loan-calculator-wrap {
    display: grid;
    gap: 1.1rem;
}

.loan-form {
    max-width: 560px;
    margin-top: 1rem;
}

.scenario-layout {
    display: grid;
    gap: 1rem;
}

.scenario-form {
    max-width: none;
    margin-top: 0;
}

.scenario-input-card {
    display: grid;
    gap: 0.75rem;
}

.scenario-input-card h3 {
    margin-bottom: 0.2rem;
}

.scenario-toggle-line {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 0.6rem;
}

.toggle-check {
    display: inline-flex;
    align-items: center;
    gap: 0.55rem;
    margin-bottom: 0;
    font-weight: 700;
}

.toggle-check input[type="checkbox"] {
    width: 17px;
    height: 17px;
    margin: 0;
}

.scenario-helper {
    color: var(--text-muted);
    font-size: 0.92rem;
    margin-top: 0.1rem;
}

.scenario-results-panel {
    display: grid;
    gap: 0.9rem;
}

.risk-badge {
    margin-top: 0.45rem;
    display: inline-flex;
    align-items: center;
    border-radius: 999px;
    padding: 0.2rem 0.65rem;
    font-weight: 800;
    font-size: 0.8rem;
    border: 1px solid transparent;
}

.risk-badge.risk-safe {
    background: rgba(50, 210, 150, 0.16);
    color: var(--status-good);
    border-color: rgba(50, 210, 150, 0.4);
}

.risk-badge.risk-low {
    background: rgba(50, 210, 150, 0.16);
    color: var(--status-good);
    border-color: rgba(50, 210, 150, 0.4);
}

.risk-badge.risk-moderate {
    background: rgba(246, 195, 67, 0.18);
    color: var(--status-moderate);
    border-color: rgba(246, 195, 67, 0.42);
}

.risk-badge.risk-high {
    background: rgba(255, 107, 107, 0.18);
    color: var(--status-risk);
    border-color: rgba(255, 107, 107, 0.42);
}

.scenario-score-card strong {
    font-size: clamp(1.35rem, 2.2vw, 1.7rem);
}

.scenario-chart-card {
    overflow: hidden;
}

#scChart {
    width: 100%;
    height: auto;
    margin-top: 0.35rem;
    border: 1px solid rgba(147, 176, 217, 0.24);
    border-radius: var(--radius-sm);
    background: rgba(12, 19, 29, 0.94);
}

.scenario-chart-legend {
    margin-top: 0.5rem;
    display: flex;
    flex-wrap: wrap;
    gap: 0.45rem 0.9rem;
    color: var(--text-muted);
    font-size: 0.86rem;
}

.legend-dot {
    width: 10px;
    height: 10px;
    border-radius: 999px;
    display: inline-block;
    margin-right: 0.35rem;
}

.principal-dot {
    background: var(--accent-primary);
}

.interest-dot {
    background: var(--chart-interest);
}

.financial-sim-grid {
    display: grid;
    gap: 1.1rem;
}

.visual-grid {
    display: grid;
    gap: 1.1rem;
}

.dti-meter {
    height: 12px;
    width: 100%;
    border-radius: 999px;
    overflow: hidden;
    border: 1px solid rgba(147, 176, 217, 0.24);
    background: linear-gradient(
        90deg,
        rgba(50, 210, 150, 0.2) 0%,
        rgba(50, 210, 150, 0.2) 30%,
        rgba(246, 195, 67, 0.2) 30%,
        rgba(246, 195, 67, 0.2) 40%,
        rgba(255, 107, 107, 0.22) 40%,
        rgba(255, 107, 107, 0.22) 100%
    );
}

.dti-meter-fill {
    height: 100%;
    width: 0;
    background: linear-gradient(90deg, var(--accent-primary), var(--accent-secondary));
    transition: width 0.25s ease;
}

.dti-meter-labels {
    margin-top: 0.4rem;
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0.5rem;
    color: var(--text-muted);
    font-size: 0.86rem;
}

#fsPieChart,
#fsPayoffChart {
    width: 100%;
    height: auto;
    border-radius: var(--radius-sm);
    border: 1px solid rgba(147, 176, 217, 0.24);
    background: rgba(12, 19, 29, 0.94);
}

.stress-meter {
    margin-top: 0.55rem;
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0.5rem;
}

.stress-meter span {
    text-align: center;
    border-radius: 999px;
    border: 1px solid var(--border);
    padding: 0.3rem 0.45rem;
    color: var(--text-muted);
    font-weight: 700;
    font-size: 0.84rem;
    background: rgba(14, 21, 31, 0.86);
}

.stress-meter span.active {
    color: var(--text-strong);
    border-color: rgba(93, 163, 255, 0.44);
    background: linear-gradient(95deg, rgba(46, 140, 255, 0.24), rgba(61, 224, 197, 0.24));
}

.range-field {
    display: grid;
    gap: 0.45rem;
}

.range-meta {
    display: grid;
    grid-template-columns: 1fr auto 1fr;
    align-items: center;
    color: var(--text-muted);
    font-size: 0.9rem;
}

.range-meta strong {
    color: var(--text-strong);
    justify-self: center;
}

.range-meta span:last-child {
    justify-self: end;
}

.application-header {
    margin-bottom: 1rem;
}

.trust-note {
    color: var(--orange-400);
    font-weight: 700;
}

.progress-wrap {
    width: 100%;
    height: 12px;
    background: rgba(14, 21, 31, 0.9);
    border: 1px solid var(--border);
    border-radius: 999px;
    overflow: hidden;
    margin-top: 0.5rem;
}

.progress-bar {
    height: 100%;
    width: 0;
    background: linear-gradient(95deg, var(--blue-500), var(--orange-500));
    transition: width 0.25s ease;
}

.app-step {
    display: grid;
    gap: 0.9rem;
}

.app-step h2 {
    margin-bottom: 0.2rem;
}

.application-actions {
    margin-top: 1rem;
    display: flex;
    gap: 0.7rem;
    flex-wrap: wrap;
}

.loan-results {
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    background: linear-gradient(165deg, rgba(30, 42, 58, 0.9), rgba(17, 25, 36, 0.95));
    box-shadow: var(--shadow-soft), var(--shadow-blue);
    padding: 1.2rem;
}

.loan-results h3 {
    margin-bottom: 0.95rem;
}

.approval-meter {
    border: 1px solid rgba(147, 176, 217, 0.3);
    border-radius: var(--radius-md);
    padding: 0.9rem;
    background: rgba(14, 21, 31, 0.86);
    margin-bottom: 0.8rem;
}

.approval-meter p {
    color: var(--text-body);
    font-weight: 700;
}

.approval-meter strong {
    color: var(--orange-400);
}

.meter-track {
    margin-top: 0.55rem;
    height: 12px;
    width: 100%;
    background: rgba(35, 47, 63, 0.92);
    border-radius: 999px;
    overflow: hidden;
    border: 1px solid rgba(93, 163, 255, 0.24);
}

.meter-track span {
    display: block;
    height: 100%;
    background: linear-gradient(90deg, var(--status-risk), var(--status-moderate) 55%, var(--status-good));
    transition: width 0.28s ease;
}

.approval-hint {
    margin-top: 0.55rem;
    color: var(--text-muted);
    font-size: 0.9rem;
}

.results-grid {
    display: grid;
    gap: 0.7rem;
}

.how-it-works-strip {
    border-top: 1px solid var(--border);
    border-bottom: 1px solid var(--border);
    background: rgba(12, 19, 29, 0.85);
    padding: 1rem 0;
}

.steps-grid {
    display: grid;
    gap: 0.7rem;
}

.step-card {
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    background: rgba(21, 31, 45, 0.9);
    padding: 0.7rem 0.8rem;
    font-weight: 700;
    display: flex;
    align-items: center;
    gap: 0.45rem;
}

.step-icon {
    display: inline-flex;
    width: 1.5rem;
    height: 1.5rem;
    align-items: center;
    justify-content: center;
    border-radius: 999px;
    border: 1px solid rgba(61, 224, 197, 0.45);
    background: rgba(255, 138, 42, 0.14);
}

.step-card span {
    color: var(--orange-400);
}

.table-wrap {
    overflow-x: auto;
    border: 1px solid var(--border);
    border-radius: var(--radius-md);
    background: rgba(14, 21, 31, 0.88);
}

table {
    width: 100%;
    border-collapse: collapse;
    min-width: 580px;
}

th,
td {
    padding: 0.8rem;
    border-bottom: 1px solid rgba(147, 176, 217, 0.2);
    text-align: left;
}

th {
    color: var(--text-strong);
    background: rgba(21, 31, 45, 0.88);
}

.payment-breakdown {
    margin-top: 0.8rem;
}

.bar-label {
    display: flex;
    justify-content: space-between;
    color: var(--text-muted);
    font-size: 0.9rem;
    margin-top: 0.55rem;
}

.bar-track {
    margin-top: 0.35rem;
    height: 10px;
    border-radius: 999px;
    background: rgba(35, 47, 63, 0.92);
    border: 1px solid rgba(93, 163, 255, 0.24);
    overflow: hidden;
}

.bar-fill {
    height: 100%;
    width: 0;
    transition: width 0.3s ease;
}

.bar-fill.principal {
    background: linear-gradient(90deg, var(--accent-primary), #66a8ff);
}

.bar-fill.interest {
    background: linear-gradient(90deg, var(--chart-interest), #f6c343);
}

.chart-shell {
    margin-top: 0.9rem;
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    padding: 0.6rem;
    background: rgba(14, 21, 31, 0.88);
}

.calc-perf {
    margin-top: 0.7rem;
    color: var(--text-muted);
    font-size: 0.86rem;
}

.icon-list {
    list-style: none;
    display: grid;
    gap: 0.5rem;
}

.icon-list li {
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    padding: 0.55rem 0.7rem;
    background: rgba(14, 21, 31, 0.78);
}

.timeline {
    list-style: none;
    display: grid;
    gap: 0.55rem;
}

.timeline li {
    border-left: 3px solid var(--blue-400);
    padding: 0.45rem 0.8rem;
    background: rgba(14, 21, 31, 0.78);
    border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
}

.auto-payoff-chart {
    margin-top: 0.75rem;
}

.range-field input[type="range"] {
    padding: 0;
}

.result-box {
    border: 1px solid var(--border);
    border-radius: var(--radius-md);
    padding: 0.85rem;
    background: rgba(14, 21, 31, 0.85);
}

.result-box p {
    color: var(--text-muted);
    margin-bottom: 0.18rem;
}

.result-box strong {
    color: var(--text-strong);
    font-family: "Sora", "Manrope", sans-serif;
    letter-spacing: -0.01em;
}

.scenario-buttons {
    display: grid;
    gap: 0.5rem;
    margin-top: 0.7rem;
}

.scenario-buttons .btn {
    width: 100%;
}

.amortization-panel {
    border: 1px solid var(--border);
    border-radius: var(--radius-md);
    padding: 0.9rem;
    margin-top: 0.8rem;
    background: rgba(14, 21, 31, 0.85);
}

#amortizationChart {
    width: 100%;
    height: auto;
    margin-top: 0.5rem;
    background: rgba(13, 19, 29, 0.94);
    border-radius: 10px;
    border: 1px solid rgba(147, 176, 217, 0.22);
}

#balanceLine,
#interestLine,
#principalLine {
    fill: none;
    stroke-width: 3;
    stroke-linecap: round;
    stroke-linejoin: round;
}

#balanceLine {
    stroke: var(--accent-primary);
}

#interestLine {
    stroke: var(--chart-interest);
}

#principalLine {
    stroke: var(--accent-secondary);
}

.amortization-legend {
    display: flex;
    flex-wrap: wrap;
    gap: 0.45rem;
    margin-top: 0.5rem;
}

.legend-item {
    border-radius: 999px;
    border: 1px solid var(--border);
    background: rgba(24, 35, 50, 0.95);
    color: var(--text-body);
    padding: 0.22rem 0.58rem;
    font-size: 0.84rem;
    font-weight: 700;
}

.legend-balance {
    border-color: rgba(93, 163, 255, 0.55);
}

.legend-interest {
    border-color: rgba(245, 158, 11, 0.55);
}

.legend-principal {
    border-color: rgba(61, 224, 197, 0.55);
}

.amortization-bars {
    margin-top: 0.6rem;
    display: grid;
    grid-template-columns: auto 1fr;
    gap: 0.35rem 0.6rem;
    align-items: center;
}

.amortization-bars p {
    color: var(--text-muted);
    font-size: 0.9rem;
}

.amortization-bars div {
    border: 1px solid rgba(147, 176, 217, 0.22);
    border-radius: 999px;
    height: 11px;
    background: rgba(24, 35, 50, 0.95);
    overflow: hidden;
}

.amortization-bars span {
    display: block;
    height: 100%;
    background: linear-gradient(90deg, var(--blue-500), var(--orange-500));
}

.province-picker {
    margin-bottom: 1rem;
}

.comparison-grid,
.testimonial-grid {
    display: grid;
    gap: 1rem;
}

.comparison-card {
    position: relative;
    overflow: hidden;
}

.comparison-card.highlighted {
    border-color: rgba(61, 224, 197, 0.5);
    box-shadow: var(--shadow-soft), var(--shadow-orange);
}

.comparison-value {
    margin-top: 0.6rem;
    margin-bottom: 0.25rem;
    font-size: clamp(1.3rem, 2.7vw, 1.8rem);
    color: var(--text-strong);
    font-weight: 800;
    font-family: "Sora", "Manrope", sans-serif;
}

.comparison-detail {
    color: var(--text-muted);
}

.testimonial-card .stars {
    color: var(--orange-400);
    font-size: 1.05rem;
    margin-bottom: 0.45rem;
}

.testimonial-author {
    margin-top: 0.6rem;
    color: var(--text-strong);
    font-weight: 700;
}

.sticky-cta {
    position: fixed;
    right: 1rem;
    bottom: 1rem;
    z-index: 150;
    border-radius: 999px;
    padding: 0.75rem 1rem;
    font-weight: 800;
    border: 1px solid transparent;
    background: var(--accent-primary);
    color: #fff;
    box-shadow: var(--shadow-blue), 0 10px 28px rgba(0, 0, 0, 0.35);
}

.sticky-cta:hover,
.sticky-cta:focus-visible {
    opacity: 0.95;
    transform: translateY(-1px);
}

input,
select,
textarea {
    width: 100%;
    color: var(--text-body);
    background: rgba(14, 21, 31, 0.94);
    border: 1px solid rgba(147, 176, 217, 0.28);
    border-radius: var(--radius-sm);
    padding: 0.8rem 0.92rem;
    transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

textarea {
    resize: vertical;
    min-height: 120px;
}

input:focus,
select:focus,
textarea:focus {
    outline: none;
    border-color: rgba(93, 163, 255, 0.62);
    box-shadow: 0 0 0 3px rgba(47, 128, 255, 0.2);
}

input::placeholder,
textarea::placeholder {
    color: #73839d;
}

label {
    display: inline-block;
    margin-bottom: 0.35rem;
    color: var(--text-strong);
    font-weight: 700;
}

.hidden {
    display: none;
}

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.45rem;
    border-radius: 999px;
    border: 1px solid transparent;
    cursor: pointer;
    font-weight: 800;
    padding: 0.78rem 1.35rem;
    transition: transform 0.18s ease, box-shadow 0.2s ease, opacity 0.2s ease, border-color 0.2s ease;
}

.btn:hover {
    transform: translateY(-1px);
}

.btn-primary,
.btn {
    background: var(--accent-primary);
    color: #fff;
    box-shadow: var(--shadow-blue);
}

.btn-primary:hover,
.btn:hover {
    opacity: 0.96;
}

.btn-secondary {
    background: transparent;
    color: var(--text-strong);
    border-color: rgba(46, 140, 255, 0.8);
    box-shadow: inset 0 0 0 1px rgba(46, 140, 255, 0.18);
}

.btn-tertiary {
    background: rgba(255, 255, 255, 0.05);
    color: var(--text-body);
    border-color: transparent;
    box-shadow: none;
}

.cta-group {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0.7rem;
    margin-top: 1.4rem;
}

.download-box,
.cta-section {
    text-align: center;
}

.form-message {
    min-height: 1.6rem;
    margin-top: 0.8rem;
    text-align: center;
    font-weight: 700;
}

.estimate-email-form {
    margin-top: 0.65rem;
    gap: 0.55rem;
}

.estimate-email-controls {
    display: grid;
    gap: 0.55rem;
}

.estimate-email-form .btn {
    width: 100%;
}

.notice,
.disclosure {
    margin-top: 1rem;
}

.success-box,
.success {
    display: none;
    padding: 1.1rem 1rem;
    margin-top: 1rem;
    text-align: center;
    border-color: rgba(61, 224, 197, 0.45);
    box-shadow: var(--shadow-soft), var(--shadow-orange);
}

.content h1 {
    margin-bottom: 0.8rem;
}

.content h2 {
    margin-top: 1.75rem;
    margin-bottom: 0.45rem;
    color: var(--orange-400);
    font-size: clamp(1.2rem, 2.2vw, 1.55rem);
}

.content p {
    margin-bottom: 0.88rem;
}

.content a {
    color: var(--blue-400);
    text-decoration: underline;
    text-decoration-color: rgba(93, 163, 255, 0.5);
}

.page-editor-login .editor-login-wrap {
    min-height: calc(100vh - 180px);
    display: grid;
    place-items: center;
    padding: 2rem 0 3rem;
}

.editor-login-card {
    width: min(560px, 100%);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    background: linear-gradient(165deg, rgba(30, 42, 58, 0.9), rgba(17, 25, 36, 0.95));
    box-shadow: var(--shadow-soft), var(--shadow-blue);
    padding: clamp(1.2rem, 4vw, 2rem);
}

.editor-login-card h1 {
    margin-bottom: 0.65rem;
}

.editor-login-card p {
    color: var(--text-muted);
    margin-bottom: 1rem;
}

.editor-login-message {
    min-height: 1.6rem;
    margin-top: 0.8rem;
    font-weight: 700;
}

.site-editor-panel {
    position: fixed;
    top: 1rem;
    right: 1rem;
    width: min(320px, calc(100vw - 2rem));
    z-index: 1000;
    border-radius: var(--radius-md);
    border: 1px solid rgba(93, 163, 255, 0.4);
    background: rgba(11, 17, 25, 0.94);
    box-shadow: var(--shadow-soft), var(--shadow-blue);
    padding: 0.9rem;
}

.site-editor-panel h3 {
    font-size: 1rem;
    margin-bottom: 0.4rem;
}

.site-editor-help {
    font-size: 0.88rem;
    color: var(--text-muted);
    margin-bottom: 0.7rem;
}

.site-editor-modes,
.site-editor-actions {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0.5rem;
}

.site-editor-actions {
    margin-top: 0.8rem;
}

.site-editor-btn {
    appearance: none;
    border: 1px solid var(--border);
    border-radius: 999px;
    background: rgba(24, 35, 50, 0.95);
    color: var(--text-body);
    font-weight: 700;
    padding: 0.52rem 0.75rem;
    cursor: pointer;
}

.site-editor-btn:hover {
    border-color: rgba(93, 163, 255, 0.6);
}

.site-editor-btn.active,
.site-editor-btn.primary {
    background: linear-gradient(95deg, var(--blue-500), var(--orange-500));
    border-color: transparent;
    color: #fff;
}

.site-editor-style-controls {
    display: grid;
    gap: 0.45rem;
    margin-top: 0.8rem;
}

.site-editor-style-controls label {
    margin-bottom: 0;
    font-size: 0.82rem;
    color: var(--text-muted);
}

.site-editor-style-controls select,
.site-editor-style-controls input[type="color"] {
    width: 100%;
}

.site-editor-status {
    margin-top: 0.65rem;
    font-size: 0.82rem;
    color: var(--text-muted);
}

.site-editor-status.is-error {
    color: #ff9191;
}

.is-editor-active {
    outline: 2px dashed rgba(93, 163, 255, 0.65);
    outline-offset: 2px;
    border-radius: 4px;
}

footer {
    border-top: 1px solid var(--border);
    margin-top: clamp(2.5rem, 6vw, 4.6rem);
    padding: 1.6rem 0 2.1rem;
    background: #070e18;
    color: var(--text-muted);
    text-align: center;
    font-size: 0.92rem;
}

footer a {
    color: var(--text-body);
}

.footer-logo-link {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 0.7rem;
}

.footer-logo {
    width: auto;
    height: 36px;
    object-fit: contain;
    filter: drop-shadow(0 0 12px rgba(93, 163, 255, 0.24));
}

footer.boss-footer {
    margin-top: clamp(3rem, 6vw, 5rem);
    padding: 0;
    border-top: 1px solid rgba(132, 160, 201, 0.25);
    background:
        linear-gradient(180deg, rgba(7, 14, 24, 0.99), rgba(7, 14, 24, 0.99)),
        radial-gradient(circle at 10% -10%, rgba(46, 140, 255, 0.08), transparent 45%);
    text-align: left;
    color: #c8d6ea;
}

.boss-footer .boss-footer-layer {
    border-top: 1px solid rgba(132, 160, 201, 0.16);
}

.boss-footer .boss-footer-layer:first-child {
    border-top: 0;
}

.boss-footer-cta {
    padding: 2rem 0;
}

.boss-footer-cta-grid {
    display: grid;
    gap: 1rem;
    align-items: center;
}

.boss-footer-eyebrow {
    font-size: 0.8rem;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: #84aee8;
    font-weight: 800;
}

.boss-footer-cta h2 {
    margin-top: 0.35rem;
    margin-bottom: 0.45rem;
    font-size: clamp(1.35rem, 2.7vw, 2rem);
}

.boss-footer-cta p {
    max-width: 740px;
    color: #a9bdd8;
}

.boss-footer-cta-actions {
    display: grid;
    gap: 0.65rem;
}

.boss-footer-tools {
    padding: 1.45rem 0 1.7rem;
}

.boss-footer-tools h2 {
    font-size: 1.1rem;
    margin-bottom: 0.8rem;
}

.boss-tools-grid {
    display: grid;
    gap: 0.65rem;
}

.boss-tool-link {
    display: flex;
    align-items: center;
    gap: 0.62rem;
    border: 1px solid rgba(132, 160, 201, 0.2);
    border-radius: 10px;
    padding: 0.68rem 0.75rem;
    background: rgba(14, 24, 38, 0.72);
    color: #d8e4f3;
    font-weight: 700;
    transition: border-color 0.2s ease, background 0.2s ease, transform 0.2s ease;
}

.boss-tool-link:hover,
.boss-tool-link:focus-visible {
    border-color: rgba(93, 163, 255, 0.46);
    background: rgba(19, 31, 49, 0.9);
    transform: translateY(-1px);
}

.boss-tool-icon {
    width: 28px;
    height: 28px;
    border-radius: 50%;
    display: inline-grid;
    place-items: center;
    flex-shrink: 0;
    border: 1px solid rgba(132, 160, 201, 0.28);
    color: #9dc3f6;
    background: rgba(16, 28, 44, 0.95);
    font-size: 0.92rem;
    font-weight: 800;
}

.boss-footer-mega-links {
    padding: 1.7rem 0;
}

.boss-mega-grid {
    display: grid;
    gap: 1.3rem;
}

.boss-mega-grid nav h3 {
    font-size: 0.95rem;
    color: #e3edfa;
    text-transform: uppercase;
    letter-spacing: 0.04em;
    margin-bottom: 0.52rem;
}

.boss-mega-grid ul {
    list-style: none;
    display: grid;
    gap: 0.42rem;
}

.boss-mega-grid a {
    color: #a9bdd8;
    font-size: 0.94rem;
}

.boss-mega-grid a:hover,
.boss-mega-grid a:focus-visible {
    color: #f2f7ff;
}

.boss-footer-legal {
    padding: 1.15rem 0 1.65rem;
    background: rgba(5, 10, 17, 0.75);
}

.boss-legal-grid {
    display: grid;
    gap: 0.6rem;
}

.boss-legal-grid p {
    font-size: 0.84rem;
    color: #92a8c5;
    line-height: 1.55;
}

.boss-legal-links {
    display: flex;
    flex-wrap: wrap;
    gap: 0.8rem;
}

.boss-legal-links a {
    color: #c8d6ea;
    font-size: 0.84rem;
}

.boss-legal-links a:hover,
.boss-legal-links a:focus-visible {
    color: #f2f7ff;
}

footer.boss-footer .footer-logo-link {
    margin-bottom: 0;
    justify-content: flex-start;
    gap: 0.45rem;
    padding: 0.2rem 0.55rem 0.2rem 0.3rem;
}

footer.boss-footer .footer-logo {
    height: 30px;
}

.reveal-on-scroll {
    opacity: 0;
    transform: translateY(16px) scale(0.985);
    filter: blur(3px);
    transition:
        opacity 0.6s ease,
        transform 0.6s ease,
        filter 0.6s ease;
    transition-delay: var(--reveal-delay, 0ms);
}

.reveal-on-scroll.is-visible {
    opacity: 1;
    transform: translateY(0) scale(1);
    filter: blur(0);
}

.hero .btn,
.download-box .btn,
.filter-btn {
    animation: float-subtle 6.8s ease-in-out infinite;
}

.hero .btn:nth-child(2),
.filter-btn:nth-child(2) {
    animation-delay: 0.35s;
}

@keyframes ambient-drift {
    0% {
        transform: translate3d(-2%, 0%, 0) scale(1);
    }
    100% {
        transform: translate3d(2%, -1.5%, 0) scale(1.05);
    }
}

@keyframes float-gentle {
    0%,
    100% {
        transform: translateY(0);
    }
    50% {
        transform: translateY(-3px);
    }
}

@keyframes float-subtle {
    0%,
    100% {
        transform: translateY(0);
    }
    50% {
        transform: translateY(-2px);
    }
}

@keyframes pulse-blue {
    0%,
    100% {
        box-shadow: var(--shadow-soft), 0 0 0 1px rgba(47, 128, 255, 0.2), 0 0 34px rgba(47, 128, 255, 0.12);
    }
    50% {
        box-shadow: var(--shadow-soft), 0 0 0 1px rgba(47, 128, 255, 0.34), 0 0 48px rgba(47, 128, 255, 0.2);
    }
}

@keyframes pulse-orange {
    0%,
    100% {
        box-shadow: var(--shadow-soft), 0 0 0 1px rgba(61, 224, 197, 0.2), 0 0 22px rgba(61, 224, 197, 0.12);
    }
    50% {
        box-shadow: var(--shadow-soft), 0 0 0 1px rgba(61, 224, 197, 0.34), 0 0 30px rgba(61, 224, 197, 0.18);
    }
}

.tool-layout {
    align-items: start;
}

.compact-form {
    max-width: none;
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 0.8rem;
}

.risk-badge {
    display: inline-flex;
    margin-top: 0.45rem;
    padding: 0.18rem 0.58rem;
    border-radius: 999px;
    font-size: 0.84rem;
    font-weight: 800;
    border: 1px solid transparent;
}

.risk-badge.risk-low,
.risk-badge.healthy {
    background: rgba(50, 210, 150, 0.16);
    border-color: rgba(50, 210, 150, 0.4);
    color: var(--status-good);
}

.risk-badge.risk-moderate,
.risk-badge.moderate {
    background: rgba(246, 195, 67, 0.16);
    border-color: rgba(246, 195, 67, 0.42);
    color: var(--status-moderate);
}

.risk-badge.risk-high,
.risk-badge.risky {
    background: rgba(255, 107, 107, 0.14);
    border-color: rgba(255, 107, 107, 0.4);
    color: var(--status-risk);
}

.chart-grid {
    margin-top: 1rem;
    display: grid;
    gap: 1rem;
}

.tl-visual-grid {
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    align-items: stretch;
}

.tl-chart-shell {
    border: 1px solid rgba(147, 176, 217, 0.22);
    border-radius: var(--radius-md);
    background: rgba(10, 16, 25, 0.9);
    padding: 0.65rem;
    overflow: hidden;
}

#tlTrendChart {
    width: 100%;
    height: auto;
    display: block;
}

.tl-grid-line {
    stroke: rgba(147, 176, 217, 0.18);
    stroke-width: 1;
}

.tl-line {
    fill: none;
    stroke-width: 3;
    stroke-linecap: round;
    stroke-linejoin: round;
}

.tl-line-principal {
    stroke: var(--accent-primary);
}

.tl-line-interest {
    stroke: var(--chart-interest);
}

.tl-line-balance {
    stroke: var(--accent-secondary);
}

.tl-legend {
    margin-top: 0.65rem;
    display: grid;
    gap: 0.35rem;
}

.tl-legend span {
    display: inline-flex;
    align-items: center;
    gap: 0.42rem;
    color: var(--text-muted);
    font-size: 0.92rem;
}

.tl-swatch {
    width: 14px;
    height: 4px;
    border-radius: 999px;
}

.tl-principal {
    background: var(--accent-primary);
}

.tl-interest {
    background: var(--chart-interest);
}

.tl-balance {
    background: var(--accent-secondary);
}

.tl-rail-wrap {
    margin-top: 0.7rem;
    margin-bottom: 1rem;
}

.tl-rail {
    position: relative;
    height: 10px;
    border-radius: 999px;
    border: 1px solid rgba(147, 176, 217, 0.2);
    background: rgba(20, 30, 44, 0.92);
    overflow: hidden;
}

.tl-rail-fill {
    width: 100%;
    height: 100%;
    transform-origin: left center;
    transform: scaleX(0);
    background: linear-gradient(90deg, var(--accent-primary), var(--accent-secondary));
}

.tl-rail-fill.is-active {
    transition: transform 900ms ease;
    transform: scaleX(1);
}

.tl-milestones-row {
    display: grid;
    gap: 0.55rem;
}

.tl-milestone {
    opacity: 0;
    transform: translateY(5px);
    animation: tl-fade-up 360ms ease forwards;
}

.tl-milestone-label {
    margin-bottom: 0.28rem;
    color: var(--text-body);
    font-size: 0.93rem;
}

.tl-milestone-track {
    height: 9px;
    border-radius: 999px;
    border: 1px solid rgba(147, 176, 217, 0.2);
    background: rgba(21, 31, 45, 0.92);
    overflow: hidden;
}

.tl-milestone-track i {
    display: block;
    height: 100%;
    transition: width 520ms ease;
    background: linear-gradient(90deg, var(--accent-primary), var(--accent-secondary));
}

.tl-pie-layout {
    display: grid;
    grid-template-columns: minmax(140px, 180px) minmax(0, 1fr);
    gap: 0.9rem;
    align-items: center;
}

#tlPieChart {
    width: 100%;
    height: auto;
}

.tl-donut-base {
    fill: none;
    stroke: rgba(147, 176, 217, 0.2);
    stroke-width: 20;
}

.tl-donut {
    fill: none;
    stroke-width: 20;
    transform-origin: 100px 100px;
    transform: rotate(-90deg);
    transition: stroke-dasharray 560ms ease, stroke-dashoffset 560ms ease;
}

.tl-donut-principal {
    stroke: var(--accent-primary);
}

.tl-donut-interest {
    stroke: var(--chart-interest);
}

.tl-pie-values p {
    margin-bottom: 0.25rem;
    color: var(--text-muted);
}

.tl-pie-values strong {
    color: var(--text-strong);
}

.tl-interest-bars {
    display: grid;
    gap: 0.65rem;
}

.tl-interest-row p {
    display: flex;
    justify-content: space-between;
    gap: 0.5rem;
    margin-bottom: 0.3rem;
    color: var(--text-body);
}

.tl-interest-row strong {
    color: var(--orange-400);
}

.tl-interest-track {
    height: 11px;
    border-radius: 999px;
    border: 1px solid rgba(147, 176, 217, 0.2);
    background: rgba(21, 31, 45, 0.92);
    overflow: hidden;
}

.tl-interest-track i {
    display: block;
    height: 100%;
    background: linear-gradient(90deg, var(--chart-interest), #f6c343);
    transition: width 560ms ease;
}

.tl-risk-meter {
    display: grid;
    gap: 0.6rem;
}

.tl-risk-scale {
    height: 14px;
    border-radius: 999px;
    border: 1px solid rgba(147, 176, 217, 0.24);
    background: linear-gradient(90deg, rgba(50, 210, 150, 0.28), rgba(246, 195, 67, 0.24), rgba(255, 107, 107, 0.24));
    overflow: hidden;
}

.tl-risk-fill {
    height: 100%;
    width: 0%;
    transition: width 520ms ease, background 360ms ease;
}

.tl-risk-fill.risk-safe {
    background: rgba(50, 210, 150, 0.86);
}

.tl-risk-fill.risk-moderate {
    background: rgba(246, 195, 67, 0.88);
}

.tl-risk-fill.risk-high {
    background: rgba(255, 107, 107, 0.88);
}

.tl-risk-labels {
    display: flex;
    justify-content: space-between;
    color: var(--text-muted);
    font-size: 0.88rem;
}

.tl-risk-summary {
    color: var(--text-strong);
    font-weight: 700;
}

.tl-risk-metrics {
    display: grid;
    gap: 0.3rem;
}

.tl-risk-metrics p {
    color: var(--text-muted);
}

.tl-risk-metrics strong {
    color: var(--text-strong);
}

.stacked-bars {
    display: grid;
    gap: 0.8rem;
}

.stacked-bar-row p {
    margin-bottom: 0.3rem;
    color: var(--text-muted);
}

.stacked-bar {
    width: 100%;
    height: 12px;
    border-radius: 999px;
    overflow: hidden;
    display: flex;
    border: 1px solid rgba(147, 176, 217, 0.24);
    background: rgba(26, 35, 48, 0.9);
}

.bar-principal {
    background: linear-gradient(90deg, var(--accent-primary), #66a8ff);
}

.bar-interest {
    background: linear-gradient(90deg, var(--chart-interest), #f6c343);
}

.timeline-list {
    display: grid;
    gap: 0.65rem;
}

.timeline-item {
    border-left: 3px solid var(--blue-400);
    padding: 0.45rem 0.75rem;
    border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
    background: rgba(14, 21, 31, 0.76);
}

.province-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(64px, 1fr));
    gap: 0.45rem;
    margin-bottom: 1rem;
}

.province-btn {
    border: 1px solid var(--border);
    background: rgba(24, 35, 50, 0.94);
    color: var(--text-body);
    border-radius: var(--radius-sm);
    padding: 0.5rem 0.45rem;
    font-weight: 800;
    cursor: pointer;
}

.province-btn:hover {
    border-color: rgba(93, 163, 255, 0.44);
}

.checklist {
    list-style: none;
    display: grid;
    gap: 0.6rem;
}

.checklist li {
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    background: rgba(16, 24, 35, 0.88);
    padding: 0.7rem 0.8rem;
    font-weight: 700;
}

.checklist li::before {
    content: "✔ ";
    color: var(--orange-400);
}

.faq-list {
    display: grid;
    gap: 0.8rem;
}

.faq-item h3 {
    margin-bottom: 0.35rem;
}

.scenario-results {
    margin: 1rem 0;
}

@media (min-width: 680px) {
    .loan-hero-grid {
        grid-template-columns: minmax(0, 1.2fr) minmax(0, 0.8fr);
        align-items: center;
    }

    .cta-group {
        flex-direction: row;
    }

    .loan-calculator-wrap {
        grid-template-columns: minmax(0, 1.1fr) minmax(0, 0.9fr);
        align-items: start;
    }

    .financial-sim-grid {
        grid-template-columns: minmax(0, 1.1fr) minmax(0, 0.9fr);
        align-items: start;
    }

    .visual-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .scenario-layout {
        grid-template-columns: minmax(0, 1fr) minmax(0, 0.92fr);
        align-items: start;
    }

    .metrics-grid,
    .framework-grid,
    .comparison-grid,
    .testimonial-grid,
    .collab-grid,
    .benefits-grid,
    .preview-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .trust-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .funnel-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .steps-grid {
        grid-template-columns: repeat(4, minmax(0, 1fr));
    }

    .tools-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .chart-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .boss-footer-cta-grid {
        grid-template-columns: minmax(0, 1.1fr) auto;
    }

    .boss-footer-cta-actions {
        grid-template-columns: repeat(2, auto);
    }

    .boss-tools-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .boss-mega-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
}

@media (min-width: 920px) {
    .metrics-grid,
    .framework-grid,
    .comparison-grid,
    .testimonial-grid,
    .posts-grid,
    .collab-grid,
    .benefits-grid,
    .preview-grid {
        grid-template-columns: repeat(3, minmax(0, 1fr));
    }

    .trust-grid {
        grid-template-columns: repeat(3, minmax(0, 1fr));
    }

    .funnel-grid {
        grid-template-columns: repeat(5, minmax(0, 1fr));
    }

    .section > .container > p {
        text-align: center;
    }

    .boss-tools-grid {
        grid-template-columns: repeat(4, minmax(0, 1fr));
    }

    .boss-mega-grid {
        grid-template-columns: repeat(5, minmax(0, 1fr));
    }

    .boss-legal-grid {
        grid-template-columns: auto 1fr auto;
        align-items: center;
        gap: 1rem;
    }
}

@media (max-width: 560px) {
    .nav {
        justify-content: center;
    }

    .nav-links {
        justify-content: center;
    }

    .btn,
    .btn-primary,
    .btn-secondary {
        width: 100%;
    }

    .sticky-cta {
        left: 1rem;
        right: 1rem;
        text-align: center;
    }

    .filter-bar {
        padding-inline: 0.75rem;
    }

    .content > .container,
    .form-section > .container {
        padding: 1rem;
    }

    .brand-mark {
        justify-content: center;
        width: 100%;
    }

    .brand-mark-logo {
        width: 44px;
        height: 44px;
    }

    .tl-pie-layout {
        grid-template-columns: 1fr;
    }
}

@keyframes tl-fade-up {
    from {
        opacity: 0;
        transform: translateY(5px);
    }

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

@media (prefers-reduced-motion: reduce) {
    *,
    *::before,
    *::after {
        animation: none !important;
        transition: none !important;
        scroll-behavior: auto !important;
    }

    .reveal-on-scroll {
        opacity: 1;
        transform: none;
        filter: none;
    }
}

.tool-layout {
    grid-template-columns: minmax(0, 1.1fr) minmax(0, 0.9fr);
}

.compact-form {
    max-width: 760px;
    margin-bottom: 1rem;
}

.table-wrap {
    overflow-x: auto;
    border-radius: var(--radius-md);
    border: 1px solid var(--border);
    background: rgba(13, 20, 31, 0.9);
}

.data-table {
    width: 100%;
    border-collapse: collapse;
    min-width: 520px;
}

.data-table th,
.data-table td {
    padding: 0.8rem;
    border-bottom: 1px solid rgba(147, 176, 217, 0.15);
    text-align: left;
}

.data-table th {
    color: var(--text-strong);
    font-family: "Sora", "Manrope", sans-serif;
    background: rgba(31, 43, 60, 0.9);
}

.data-table td {
    color: var(--text-body);
}

.meter-text {
    margin-top: 0.45rem;
    color: var(--text-strong);
    font-size: 0.92rem;
    background: rgba(19, 29, 43, 0.9);
    border: 1px solid rgba(147, 176, 217, 0.25);
    border-radius: var(--radius-sm);
    padding: 0.45rem 0.55rem;
    overflow-x: auto;
}

.shock-grid {
    display: grid;
    gap: 0.35rem;
    margin-top: 0.35rem;
}

.checklist-card p,
.timeline-steps p {
    margin-bottom: 0.25rem;
}

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

.risk-badge {
    margin-top: 0.4rem;
    display: inline-flex;
    align-items: center;
    border-radius: 999px;
    padding: 0.15rem 0.6rem;
    font-size: 0.82rem;
    border: 1px solid transparent;
}

.risk-low {
    color: var(--status-good);
    border-color: rgba(50, 210, 150, 0.4);
}

.risk-moderate {
    color: var(--status-moderate);
    border-color: rgba(246, 195, 67, 0.4);
}

.risk-high {
    color: var(--status-risk);
    border-color: rgba(255, 107, 107, 0.45);
}

.timeline-list,
.stacked-bars {
    display: grid;
    gap: 0.5rem;
}

.timeline-list p {
    padding: 0.5rem 0.65rem;
    border: 1px solid rgba(147, 176, 217, 0.2);
    border-radius: var(--radius-sm);
    background: rgba(13, 21, 34, 0.88);
}

.stacked-bar-row {
    display: grid;
    grid-template-columns: 50px 1fr;
    gap: 0.6rem;
    align-items: center;
}

.stacked-bar-track {
    height: 10px;
    border-radius: 999px;
    overflow: hidden;
    background: rgba(34, 49, 69, 0.92);
    border: 1px solid rgba(147, 176, 217, 0.25);
}

.stacked-bar-track i {
    display: block;
    height: 100%;
    background: linear-gradient(90deg, var(--blue-500), var(--orange-500));
}

/* Fintech homepage upgrade */
body.page-home {
    --home-panel: rgba(20, 30, 50, 0.6);
}

.page-home .fintech-hero {
    padding-top: clamp(3rem, 7vw, 5.5rem);
}

.page-home .eyebrow {
    display: inline-flex;
    margin-bottom: 0.85rem;
    color: #8bc0ff;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    font-size: 0.78rem;
}

.page-home .fintech-hero-grid {
    display: grid;
    gap: 1.2rem;
    align-items: center;
}

.page-home .fintech-hero-copy p {
    max-width: 680px;
}

.page-home .fintech-btn {
    position: relative;
    overflow: hidden;
    border: 1px solid rgba(255, 255, 255, 0.08);
    box-shadow: 0 0 0 1px rgba(93, 163, 255, 0.25), 0 12px 28px rgba(0, 0, 0, 0.35);
}

.page-home .fintech-btn::after {
    content: "";
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at 12% 0%, rgba(255, 255, 255, 0.26), transparent 38%);
    opacity: 0;
    transition: opacity 0.25s ease;
}

.page-home .fintech-btn:hover::after,
.page-home .fintech-btn:focus-visible::after {
    opacity: 1;
}

.page-home .fintech-btn:hover,
.page-home .fintech-btn:focus-visible {
    box-shadow: 0 0 0 1px rgba(61, 224, 197, 0.38), 0 0 30px rgba(93, 163, 255, 0.28);
}

.page-home .fintech-calculator-shell {
    display: grid;
    gap: 1rem;
    border-radius: 22px;
    border: 1px solid rgba(147, 176, 217, 0.22);
    background: var(--home-panel);
    backdrop-filter: blur(12px);
    box-shadow: 0 22px 60px rgba(0, 0, 0, 0.5);
    padding: clamp(1rem, 2.2vw, 1.5rem);
}

.page-home .fintech-input-panel {
    display: grid;
    gap: 1rem;
}

.page-home .slider-row {
    display: grid;
    gap: 0.45rem;
    padding: 0.8rem;
    border-radius: var(--radius-md);
    border: 1px solid rgba(147, 176, 217, 0.18);
    background: rgba(14, 21, 31, 0.82);
}

.page-home .slider-row input[type="range"] {
    padding: 0;
    accent-color: var(--accent-primary);
}

.page-home .slider-meta {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 0.5rem;
    color: var(--text-muted);
    font-size: 0.9rem;
}

.page-home .slider-meta strong {
    color: var(--text-strong);
    font-size: 1rem;
}

.page-home .fintech-results-panel {
    height: 100%;
    display: grid;
    gap: 0.8rem;
    padding: 1rem;
    border-radius: var(--radius-lg);
    border: 1px solid rgba(147, 176, 217, 0.24);
    background: rgba(12, 19, 29, 0.88);
}

.page-home .fintech-results-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
}

.page-home .fintech-breakdown {
    margin-top: 0;
}

.page-home .fintech-pie-shell {
    margin-top: 0.8rem;
    justify-content: center;
}

.page-home .fintech-pie-shell canvas {
    width: min(220px, 100%);
    height: auto;
}

.page-home .mobile-results-accordion {
    display: none;
    gap: 0.55rem;
}

.page-home .mobile-result-card {
    border: 1px solid rgba(147, 176, 217, 0.2);
    border-radius: var(--radius-sm);
    padding: 0.55rem 0.7rem;
    background: rgba(15, 23, 36, 0.8);
}

.page-home .mobile-result-card summary {
    cursor: pointer;
    color: var(--text-strong);
    font-weight: 700;
}

.page-home .mobile-result-card p {
    margin-top: 0.35rem;
    color: var(--text-body);
    font-weight: 700;
}

.page-home .fintech-trust-grid {
    grid-template-columns: repeat(4, minmax(0, 1fr));
}

.page-home .loan-timeline-horizontal {
    display: grid;
    grid-template-columns: repeat(7, auto);
    align-items: center;
    justify-content: center;
    gap: 0.65rem;
    padding: 1rem;
    border: 1px solid rgba(147, 176, 217, 0.2);
    border-radius: var(--radius-lg);
    background: rgba(15, 24, 37, 0.85);
}

.page-home .timeline-node {
    min-width: 110px;
    text-align: center;
    padding: 0.75rem;
    border-radius: var(--radius-md);
    background: rgba(23, 35, 52, 0.9);
    border: 1px solid rgba(147, 176, 217, 0.22);
}

.page-home .timeline-node span {
    display: block;
    font-size: 1.2rem;
    margin-bottom: 0.2rem;
}

.page-home .timeline-arrow {
    color: #8bc0ff;
    font-weight: 800;
}

.page-home .fintech-comparison-grid .card {
    transition: transform 0.22s ease, box-shadow 0.22s ease, border-color 0.22s ease;
}

.page-home .fintech-comparison-grid .card:hover {
    transform: translateY(-4px);
    border-color: rgba(93, 163, 255, 0.45);
    box-shadow: var(--shadow-soft), 0 0 26px rgba(93, 163, 255, 0.22);
}

.page-home .payoff-chart-card {
    padding: 0.8rem;
}

.page-home #payoffChart {
    width: 100%;
    height: auto;
    border-radius: var(--radius-md);
}

.page-home .purpose-grid .purpose-card {
    display: block;
}

.page-home .purpose-card p {
    margin-top: 0.45rem;
    color: var(--text-muted);
}

.page-home .conversion-card {
    text-align: center;
    box-shadow: var(--shadow-soft), 0 0 36px rgba(61, 224, 197, 0.16);
}

.page-home .conversion-card p {
    max-width: 700px;
    margin: 0.65rem auto 0;
}

/* Conversion funnel copy removed site-wide */
.conversion-funnel {
    display: none !important;
}

/* Light mode readability overrides for dark hardcoded panels */
html[data-theme="light"] .trust-strip,
html[data-theme="light"] .how-it-works-strip,
body[data-theme="light"] .trust-strip,
body[data-theme="light"] .how-it-works-strip {
    background: rgba(233, 240, 251, 0.88);
}

html[data-theme="light"] .trust-item,
html[data-theme="light"] .step-card,
body[data-theme="light"] .trust-item,
body[data-theme="light"] .step-card {
    background: rgba(255, 255, 255, 0.95);
    border-color: rgba(16, 34, 63, 0.14);
    color: var(--text-body);
}

html[data-theme="light"] .table-wrap,
html[data-theme="light"] .data-table th,
html[data-theme="light"] .meter-text,
body[data-theme="light"] .table-wrap,
body[data-theme="light"] .data-table th,
body[data-theme="light"] .meter-text {
    background: rgba(255, 255, 255, 0.95);
}

html[data-theme="light"] .table-wrap,
html[data-theme="light"] .meter-text,
body[data-theme="light"] .table-wrap,
body[data-theme="light"] .meter-text {
    border-color: rgba(16, 34, 63, 0.14);
}

html[data-theme="light"] .data-table th,
body[data-theme="light"] .data-table th {
    color: #1e304a;
}

html[data-theme="light"] body.page-home,
body[data-theme="light"].page-home {
    --home-panel: rgba(255, 255, 255, 0.95);
}

html[data-theme="light"] .page-home .slider-row,
html[data-theme="light"] .page-home .fintech-results-panel,
html[data-theme="light"] .page-home .mobile-result-card,
html[data-theme="light"] .page-home .loan-timeline-horizontal,
html[data-theme="light"] .page-home .timeline-node,
body[data-theme="light"] .page-home .slider-row,
body[data-theme="light"] .page-home .fintech-results-panel,
body[data-theme="light"] .page-home .mobile-result-card,
body[data-theme="light"] .page-home .loan-timeline-horizontal,
body[data-theme="light"] .page-home .timeline-node {
    background: rgba(255, 255, 255, 0.95);
    border-color: rgba(16, 34, 63, 0.14);
    color: var(--text-body);
}

html[data-theme="light"] .page-home .timeline-arrow,
body[data-theme="light"] .page-home .timeline-arrow {
    color: #2f7bff;
}

html[data-theme="light"] footer.boss-footer,
body[data-theme="light"] footer.boss-footer {
    border-top-color: rgba(16, 34, 63, 0.16);
    background:
        linear-gradient(180deg, rgba(242, 247, 255, 0.98), rgba(236, 243, 255, 0.98)),
        radial-gradient(circle at 10% -10%, rgba(46, 140, 255, 0.1), transparent 45%);
    color: #1f3556;
}

html[data-theme="light"] .boss-footer .boss-footer-layer,
body[data-theme="light"] .boss-footer .boss-footer-layer {
    border-top-color: rgba(16, 34, 63, 0.12);
}

html[data-theme="light"] .boss-footer-eyebrow,
body[data-theme="light"] .boss-footer-eyebrow {
    color: #3a74d9;
}

html[data-theme="light"] .boss-footer-cta p,
html[data-theme="light"] .boss-mega-grid a,
html[data-theme="light"] .boss-legal-links a,
body[data-theme="light"] .boss-footer-cta p,
body[data-theme="light"] .boss-mega-grid a,
body[data-theme="light"] .boss-legal-links a {
    color: #385172;
}

html[data-theme="light"] .boss-mega-grid nav h3,
body[data-theme="light"] .boss-mega-grid nav h3 {
    color: #1f3556;
}

html[data-theme="light"] .boss-tool-link,
body[data-theme="light"] .boss-tool-link {
    background: rgba(255, 255, 255, 0.95);
    color: #1f3556;
    border-color: rgba(16, 34, 63, 0.16);
}

html[data-theme="light"] .boss-tool-link:hover,
html[data-theme="light"] .boss-tool-link:focus-visible,
body[data-theme="light"] .boss-tool-link:hover,
body[data-theme="light"] .boss-tool-link:focus-visible {
    border-color: rgba(46, 140, 255, 0.42);
    background: rgba(246, 250, 255, 0.98);
}

html[data-theme="light"] .boss-tool-icon,
body[data-theme="light"] .boss-tool-icon {
    color: #2f7bff;
    border-color: rgba(46, 140, 255, 0.3);
    background: rgba(237, 245, 255, 0.95);
}

html[data-theme="light"] .boss-footer-legal,
body[data-theme="light"] .boss-footer-legal {
    background: rgba(227, 236, 250, 0.72);
}

html[data-theme="light"] .boss-legal-grid p,
body[data-theme="light"] .boss-legal-grid p {
    color: #4b6589;
}

html[data-theme="light"] input,
html[data-theme="light"] select,
html[data-theme="light"] textarea,
body[data-theme="light"] input,
body[data-theme="light"] select,
body[data-theme="light"] textarea {
    background: rgba(255, 255, 255, 0.96) !important;
    border-color: rgba(16, 34, 63, 0.2) !important;
    color: #1f3556 !important;
    color-scheme: light;
}

html[data-theme="light"] input::placeholder,
html[data-theme="light"] textarea::placeholder,
body[data-theme="light"] input::placeholder,
body[data-theme="light"] textarea::placeholder {
    color: #7086a8;
}

html[data-theme="light"] .loan-results,
html[data-theme="light"] .approval-meter,
html[data-theme="light"] .result-box,
html[data-theme="light"] .chart-shell,
html[data-theme="light"] .amortization-panel,
html[data-theme="light"] .metric,
body[data-theme="light"] .loan-results,
body[data-theme="light"] .approval-meter,
body[data-theme="light"] .result-box,
body[data-theme="light"] .chart-shell,
body[data-theme="light"] .amortization-panel,
body[data-theme="light"] .metric {
    background: rgba(255, 255, 255, 0.95) !important;
    border-color: rgba(16, 34, 63, 0.14) !important;
    color: #1f3556 !important;
    box-shadow: 0 10px 24px rgba(34, 63, 102, 0.08);
}

html[data-theme="light"] .loan-results h3,
html[data-theme="light"] .result-box strong,
html[data-theme="light"] .approval-meter strong,
body[data-theme="light"] .loan-results h3,
body[data-theme="light"] .result-box strong,
body[data-theme="light"] .approval-meter strong {
    color: #1f3556 !important;
}

html[data-theme="light"] .bar-track,
html[data-theme="light"] .meter-track,
body[data-theme="light"] .bar-track,
body[data-theme="light"] .meter-track {
    background: rgba(225, 236, 251, 0.95);
    border-color: rgba(46, 140, 255, 0.22);
}

html[data-theme="light"] .legend-item,
html[data-theme="light"] .checklist li,
html[data-theme="light"] .icon-list li,
html[data-theme="light"] .timeline li,
body[data-theme="light"] .legend-item,
body[data-theme="light"] .checklist li,
body[data-theme="light"] .icon-list li,
body[data-theme="light"] .timeline li {
    background: rgba(255, 255, 255, 0.95);
    border-color: rgba(16, 34, 63, 0.14);
    color: #1f3556;
}

html[data-theme="light"] #amortizationChart,
html[data-theme="light"] #payoffChart,
html[data-theme="light"] #fsPieChart,
html[data-theme="light"] #fsPayoffChart,
html[data-theme="light"] #scChart,
body[data-theme="light"] #amortizationChart,
body[data-theme="light"] #payoffChart,
body[data-theme="light"] #fsPieChart,
body[data-theme="light"] #fsPayoffChart,
body[data-theme="light"] #scChart {
    background: rgba(247, 251, 255, 0.98) !important;
    border-color: rgba(16, 34, 63, 0.14) !important;
}

html[data-theme="light"] th,
body[data-theme="light"] th {
    background: rgba(228, 238, 252, 0.98);
    color: #1f3556;
}

html[data-theme="light"] .hero-visual,
body[data-theme="light"] .hero-visual {
    background: linear-gradient(180deg, rgba(255, 255, 255, 0.98), rgba(244, 249, 255, 0.98));
    border-color: rgba(16, 34, 63, 0.14);
}

html[data-theme="light"] .hero-visual-caption,
body[data-theme="light"] .hero-visual-caption {
    background: rgba(237, 245, 255, 0.95);
    color: #406089;
}

html[data-theme="light"] .hero-visual-caption strong,
body[data-theme="light"] .hero-visual-caption strong {
    color: #1f4f95;
}

html[data-theme="light"] .metric h3,
body[data-theme="light"] .metric h3 {
    color: #2f7bff !important;
}

html[data-theme="light"] .loan-results p,
html[data-theme="light"] .form-message,
body[data-theme="light"] .loan-results p,
body[data-theme="light"] .form-message {
    color: #4b6589 !important;
}

html[data-theme="light"] .progress-wrap,
body[data-theme="light"] .progress-wrap {
    background: rgba(225, 236, 251, 0.95);
    border-color: rgba(16, 34, 63, 0.18);
}

@media (min-width: 680px) {
    .page-home .fintech-hero-grid {
        grid-template-columns: minmax(0, 1fr) minmax(0, 0.9fr);
    }
}

@media (min-width: 900px) {
    .page-home .fintech-calculator-shell {
        grid-template-columns: minmax(0, 1.857fr) minmax(0, 1fr);
    }
}

@media (max-width: 920px) {
    .page-home .fintech-trust-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .page-home .loan-timeline-horizontal {
        grid-template-columns: repeat(4, minmax(0, 1fr));
    }

    .page-home .timeline-arrow {
        display: none;
    }
}

@media (max-width: 760px) {
    .page-home #calculator {
        position: sticky;
        top: 74px;
        z-index: 60;
        padding-top: 1rem;
        background: linear-gradient(180deg, rgba(10, 15, 20, 0.95), rgba(10, 15, 20, 0.65));
        backdrop-filter: blur(8px);
    }

    .page-home .fintech-results-grid,
    .page-home .fintech-breakdown {
        display: none;
    }

    .page-home .mobile-results-accordion {
        display: grid;
    }

    .page-home .fintech-calculator-shell {
        box-shadow: 0 16px 34px rgba(0, 0, 0, 0.42);
    }
}