/* LoanoPedia - Main Stylesheet */

:root {
    --brand-900: #00345f;
    --brand-700: #075a9c;
    --brand-600: #0b69b7;
    --accent-500: #48b82e;
    --accent-400: #62c946;
    --mint-500: #36a522;
    --sand-200: #dceaf6;
    --sand-100: #f2f8fd;
    --paper: #f7fbff;
    --text-900: #163040;
    --text-700: #435768;
    --text-500: #738294;
    --border: #d9e7f3;
    --shadow-xs: 0 1px 3px rgba(0, 52, 95, 0.04);
    --shadow-sm: 0 2px 8px rgba(0, 52, 95, 0.06);
    --shadow-md: 0 8px 24px rgba(0, 52, 95, 0.08);
    --shadow-lg: 0 16px 48px rgba(0, 52, 95, 0.10);
    --radius-xs: 6px;
    --radius-sm: 10px;
    --radius-md: 16px;
    --radius-lg: 24px;
    --radius-xl: 32px;
    --transition: 200ms ease;
    --heading-font: 'Rubik', "Segoe UI", -apple-system, sans-serif;
    --body-font: 'Rubik', "Segoe UI", -apple-system, sans-serif;
}

html {
    scroll-behavior: smooth;
}

body.site-body {
    font-family: var(--body-font);
    color: var(--text-900);
    line-height: 1.7;
    font-size: 1rem;
    background: var(--paper);
}

h1, h2, h3, h4, h5, h6, .section-title, .brand-name {
    font-family: var(--heading-font);
    letter-spacing: 0;
    line-height: 1.3;
}

h1,
h2,
h3,
h4,
h5,
h6,
.section-title,
.brand-name {
    font-family: var(--heading-font);
    letter-spacing: 0;
}

.h1, h1 { font-size: 2.25rem; }    /* 36px */
.h2, h2 { font-size: 1.75rem; }   /* 28px */
.h3, h3 { font-size: 1.375rem; }  /* 22px */
.h4, h4 { font-size: 1.125rem; }  /* 18px */
.h5, h5 { font-size: 1rem; }      /* 16px */
.h6, h6 { font-size: 0.875rem; }  /* 14px */

.rich-text-content h1,
.rich-text-content h2,
.rich-text-content h3,
.rich-text-content h4,
.rich-text-content h5,
.rich-text-content h6 {
    line-height: 1.3;
}

.rich-text-content h1 { font-size: 2.25rem; }
.rich-text-content h2 { font-size: 1.75rem; }
.rich-text-content h3 { font-size: 1.375rem; }
.rich-text-content h4 { font-size: 1.125rem; }
.rich-text-content h5 { font-size: 1rem; }
.rich-text-content h6 { font-size: 0.875rem; }

a {
    color: var(--brand-700);
    transition: color var(--transition), opacity var(--transition), transform var(--transition);
}

a:hover {
    color: var(--brand-900);
}

.btn {
    border-radius: var(--radius-xs);
    padding: 0.65rem 1.25rem;
    font-weight: 600;
    font-size: 0.9rem;
    letter-spacing: 0.01em;
    border: none;
    transition: transform var(--transition), box-shadow var(--transition), background-color var(--transition);
}

.btn-brand,
.btn-primary {
    background: var(--brand-700);
    color: #fff;
    box-shadow: var(--shadow-xs);
}

.btn-brand:hover,
.btn-primary:hover {
    color: #fff;
    background: var(--brand-900);
    box-shadow: var(--shadow-md);
}

.btn-outline-brand,
.btn-outline-primary {
    border: 1.5px solid var(--border);
    color: var(--text-900);
    background: #fff;
}

.btn-outline-brand:hover,
.btn-outline-primary:hover {
    background: var(--text-900);
    border-color: var(--text-900);
    color: #fff;
}

.btn-success {
    background: var(--mint-500);
    border: none;
}

.btn-light {
    background: #fff;
    color: var(--text-900);
    border: 1.5px solid var(--border);
}

.btn-light:hover {
    background: var(--sand-100);
    color: var(--text-900);
}

.form-control,
.form-select {
    border-radius: var(--radius-xs);
    border: 1.5px solid var(--border);
    padding: 0.75rem 1rem;
    box-shadow: none;
    font-size: 0.95rem;
}

.form-control:focus,
.form-select:focus {
    border-color: var(--accent-500);
    box-shadow: 0 0 0 3px rgba(11, 105, 183, 0.08);
    outline: none;
}

.form-range::-webkit-slider-thumb {
    background: var(--accent-500);
}

.form-range::-moz-range-thumb {
    background: var(--accent-500);
    border: none;
}

.reading-progress {
    position: fixed;
    inset: 0 0 auto;
    height: 4px;
    z-index: 1090;
    background: transparent;
}

.reading-progress span {
    display: block;
    width: 0;
    height: 100%;
    background: var(--accent-500);
    transition: width 0.1s linear;
}

.topbar {
    background: var(--text-900);
    color: rgba(255, 255, 255, 0.7);
    padding: 0.5rem 0;
    font-size: 0.82rem;
}

.topbar a {
    color: rgba(255, 255, 255, 0.7);
    text-decoration: none;
}

.topbar a:hover {
    color: #fff;
}

.header {
    z-index: 1040;
}

.site-navbar {
    background: #fff;
    border-bottom: 1px solid var(--border);
    transition: box-shadow var(--transition), background-color var(--transition);
}

.site-navbar.is-scrolled {
    box-shadow: var(--shadow-sm);
    background: #fff;
}

.brand-lockup {
    display: inline-flex;
    align-items: center;
    gap: 0.75rem;
    color: var(--text-900);
    text-decoration: none;
}

.brand-logo {
    width: 40px;
    height: 40px;
    border-radius: var(--radius-xs);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    color: #fff;
    background: var(--brand-700);
    font-weight: 800;
    font-size: 0.85rem;
}

.brand-copy {
    display: inline-flex;
    flex-direction: column;
    line-height: 1.1;
}

.brand-kicker {
    font-size: 0.7rem;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--text-500);
    font-weight: 600;
}

.brand-name {
    font-size: 1.35rem;
    color: var(--brand-900);
}

.brand-wordmark {
    display: block;
    width: auto;
    max-width: min(100%, 280px);
    height: 48px;
    object-fit: contain;
}

.brand-wordmark-footer {
    height: 52px;
}

.site-navbar .navbar-nav .nav-link {
    color: var(--text-700);
    font-weight: 500;
    font-size: 0.9rem;
    padding: 0.6rem 0.85rem;
}

.site-navbar .navbar-nav .nav-link:hover,
.site-navbar .navbar-nav .nav-link:focus {
    color: var(--brand-900);
}

.site-navbar .dropdown-menu {
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    padding: 0.5rem;
    box-shadow: var(--shadow-md);
}

.site-navbar .dropdown-item {
    border-radius: var(--radius-xs);
    padding: 0.55rem 0.75rem;
    font-size: 0.9rem;
}

.site-navbar .dropdown-item:hover {
    background: var(--sand-100);
}

.site-navbar .navbar-toggler {
    border: 1px solid var(--border);
    border-radius: var(--radius-xs);
    width: 44px;
    height: 44px;
    padding: 0;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    color: var(--text-900);
}

.site-navbar .navbar-toggler i {
    font-size: 1.25rem;
    line-height: 1;
}

.site-navbar .navbar-toggler:focus {
    box-shadow: 0 0 0 3px rgba(7, 90, 156, 0.12);
}

@media (min-width: 992px) {
    .site-navbar .navbar-toggler {
        display: none;
    }
}

.site-main {
    overflow: clip;
}

.hero-section {
    position: relative;
    padding: 5rem 0 4.5rem;
    color: var(--text-900);
    background: var(--paper);
    overflow: hidden;
}

.hero-section::before {
    display: none;
}

.hero-section .container {
    position: relative;
    z-index: 1;
}

.eyebrow-pill,
.page-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    padding: 0.35rem 0.75rem;
    border-radius: var(--radius-xs);
    font-size: 0.75rem;
    font-weight: 600;
    letter-spacing: 0.06em;
    text-transform: uppercase;
}

.eyebrow-pill {
    background: rgba(11, 105, 183, 0.1);
    color: var(--brand-700);
    border: 1px solid rgba(11, 105, 183, 0.15);
}

.page-eyebrow {
    background: rgba(11, 105, 183, 0.08);
    color: var(--brand-700);
}

.hero-section h1,check
.page-hero h1 {
    font-size: clamp(2rem, 4vw, 2.75rem);
    line-height: 1.1;
    margin: 1rem 0 1rem;
    letter-spacing: 0;
}

.hero-section .lead,
.page-hero .lead {
    font-size: 1.05rem;
    color: var(--text-700);
    max-width: 560px;
    line-height: 1.65;
}

.hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 0.75rem;
    margin: 1.75rem 0 1.5rem;
}

.hero-actions .btn-light {
    background: #fff;
    color: var(--text-900);
    border: 1.5px solid var(--border);
}

.hero-actions .btn-outline-light {
    border: 1.5px solid rgba(255, 255, 255, 0.35);
    color: var(--text-900);
    background: #fff;
}

.hero-actions .btn-outline-light:hover {
    background: var(--sand-100);
    color: var(--text-900);
}

.hero-stats,
.info-grid {
    display: grid;
    gap: 0.85rem;
}

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

.metric-pill,
.summary-tile,
.mini-stat,
.detail-tile {
    border-radius: var(--radius-md);
    padding: 1rem 1.1rem;
}

.metric-pill {
    background: #fff;
    border: 1px solid var(--border);
    box-shadow: var(--shadow-xs);
}

.metric-pill strong {
    display: block;
    font-size: 1.5rem;
    line-height: 1.1;
    font-family: var(--heading-font);
    color: var(--brand-900);
}

.metric-pill span {
    display: block;
    color: var(--text-500);
    font-size: 0.85rem;
    margin-top: 0.2rem;
}

.quick-links-label {
    font-size: 0.82rem;
    text-transform: uppercase;
    letter-spacing: 0.14em;
    font-weight: 700;
    color: rgba(255, 255, 255, 0.72);
}

.tag-link,
.mini-chip,
.filter-chip {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    text-decoration: none;
    border-radius: var(--radius-xs);
    font-size: 0.85rem;
    transition: transform var(--transition), border-color var(--transition), background-color var(--transition), color var(--transition);
}

.tag-link {
    padding: 0.55rem 0.85rem;
    background: #fff;
    color: var(--text-900);
    border: 1px solid var(--border);
}

.tag-link:hover {
    color: var(--brand-700);
    border-color: var(--brand-700);
}

.mini-chip {
    padding: 0.35rem 0.7rem;
    background: var(--sand-100);
    color: var(--text-700);
    font-size: 0.8rem;
}

.surface-card,
.category-card,
.article-card,
.bank-logo-card,
.product-panel,
.compare-table-wrap,
.lead-card,
.sidebar-card {
    background: #fff;
    border: 1px solid var(--border);
    box-shadow: var(--shadow-xs);
    border-radius: var(--radius-md);
}

.surface-card {
    padding: 1.5rem;
}

.hero-panel {
    background: #fff;
    border-radius: var(--radius-lg);
    padding: 1.5rem;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--border);
}

.calculator-widget {
    background: #fff;
    border-radius: var(--radius-md);
    padding: 1.5rem;
    color: var(--text-900);
    border: 1px solid var(--border);
}

.calculator-widget h3 {
    margin-bottom: 1.25rem;
}

.calculator-widget .form-label {
    color: var(--text-700);
    font-size: 0.82rem;
    font-weight: 600;
}

.calculator-widget small {
    color: var(--text-500);
}

.result-box,
.calc-summary {
    display: grid;
    gap: 0.85rem;
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.result-box {
    margin-top: 1.25rem;
}

.result-box .row > div,
.calc-summary .summary-tile {
    height: 100%;
}

.result-box .row {
    row-gap: 0.75rem;
}

.result-box .col-4 > div,
.summary-tile {
    height: 100%;
    background: var(--sand-100);
    border-radius: var(--radius-sm);
    padding: 1rem;
}

.result-label,
.summary-label {
    font-size: 0.75rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--text-500);
}

.calc-summary .summary-tile {
    background: var(--sand-100);
}

.result-value,
.summary-value {
    font-size: 1.4rem;
    font-weight: 700;
    line-height: 1.15;
    margin-top: 0.25rem;
    font-family: var(--heading-font);
}

.hero-aside,
.list-card {
    margin-top: 0.85rem;
    padding: 1.1rem 1.25rem;
    border-radius: var(--radius-md);
    background: var(--sand-100);
}

.hero-aside h4,
.list-card h4 {
    font-size: 1rem;
    margin-bottom: 0.65rem;
}

.mini-list,
.footer-points,
.detail-list {
    list-style: none;
    padding: 0;
    margin: 0;
}

.mini-list li,
.footer-points li,
.detail-list li {
    position: relative;
    padding-left: 1.2rem;
    margin-bottom: 0.6rem;
    color: var(--text-700);
}

.mini-list li::before,
.footer-points li::before,
.detail-list li::before {
    content: "";
    position: absolute;
    left: 0;
    top: 0.55rem;
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: var(--accent-500);
}

.trust-strip {
    margin-top: 0;
    position: relative;
    z-index: 2;
}

.trust-strip-inner {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: space-between;
    gap: 1rem 2rem;
    padding: 1rem 1.5rem;
    background: #fff;
    border-radius: var(--radius-md);
    border: 1px solid var(--border);
    box-shadow: var(--shadow-xs);
}

.trust-strip p {
    margin: 0;
    color: var(--text-700);
    font-weight: 500;
    font-size: 0.9rem;
}

.trust-logos {
    display: flex;
    flex-wrap: wrap;
    gap: 0.75rem;
    align-items: center;
}

.trust-logo {
    padding: 0.45rem 0.85rem;
    border-radius: var(--radius-xs);
    background: var(--sand-100);
    color: var(--text-700);
    font-size: 0.85rem;
    font-weight: 600;
}

.section-shell {
    padding: 4.5rem 0;
}

.shell-muted {
    background: var(--sand-100);
}

.section-heading {
    margin-bottom: 2rem;
}

.section-title {
    font-size: clamp(1.25rem, 2vw, 1.75rem);
    margin-bottom: 0.5rem;
    letter-spacing: 0;
}

.section-subtitle {
    color: var(--text-700);
    margin-bottom: 0;
    font-size: 1rem;
}

.category-card,
.article-card,
.bank-logo-card,
.product-panel {
    overflow: hidden;
    height: 100%;
    transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}

.category-card:hover,
.article-card:hover,
.bank-logo-card:hover,
.product-panel:hover,
.surface-card:hover {
    border-color: rgba(11, 105, 183, 0.2);
}

.category-card {
    padding: 1.5rem;
    text-align: left;
}

.category-card .icon {
    width: 52px;
    height: 52px;
    border-radius: var(--radius-sm);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 0.9rem;
    background: rgba(11, 105, 183, 0.08);
    color: var(--brand-700);
    font-size: 1.2rem;
}

.category-card .icon i {
    margin: 0;
}

.category-card h4 {
    margin-bottom: 0.5rem;
    font-size: 1.1rem;
}

.category-card p {
    color: var(--text-700);
    margin-bottom: 0.9rem;
    font-size: 0.9rem;
}

.category-card .count {
    display: inline-flex;
    align-items: center;
    gap: 0.35rem;
    color: var(--brand-700);
    font-weight: 600;
    font-size: 0.85rem;
}

.article-card .card-image {
    aspect-ratio: 16 / 10;
    min-height: 180px;
    background: var(--sand-100);
    display: flex;
    align-items: center;
    justify-content: center;
    overflow: hidden;
}

.article-card .card-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.article-card .card-body {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
    padding: 1.25rem;
    height: 100%;
}

.card-category {
    display: inline-flex;
    align-items: center;
    gap: 0.3rem;
    font-size: 0.72rem;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: var(--brand-700);
    font-weight: 700;
}

.article-card h5,
.article-card h3,
.article-card h4 {
    margin: 0;
    font-size: 1.1rem;
    line-height: 1.4;
}

.article-card h5 a,
.article-card h3 a,
.article-card h4 a {
    color: var(--text-900);
    text-decoration: none;
}

.article-card .card-excerpt {
    color: var(--text-700);
    font-size: 0.88rem;
    margin-bottom: 0;
    line-height: 1.7;
}

.card-meta {
    display: flex;
    flex-wrap: wrap;
    gap: 0.75rem 1rem;
    font-size: 0.82rem;
    color: var(--text-500);
    margin-top: auto;
}

.bank-logo-card {
    padding: 1.25rem 1rem;
    text-align: center;
}

.bank-logo-card .bank-logo-frame {
    width: 64px;
    height: 64px;
    margin: 0 auto 0.75rem;
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--sand-100);
}

.bank-logo-card img {
    max-width: 80px;
    max-height: 44px;
    object-fit: contain;
}

.bank-logo-card span {
    display: block;
    font-weight: 700;
    color: var(--text-900);
    font-size: 0.95rem;
}

.cta-section {
    padding: 1rem 0 5rem;
}

.cta-panel {
    position: relative;
    overflow: hidden;
    border-radius: var(--radius-xl);
    padding: 2rem;
    color: var(--text-900);
    background: var(--sand-100);
    border: 1px solid var(--border);
}

.cta-panel > * {
    position: relative;
    z-index: 1;
}

.cta-panel p {
    color: var(--text-700);
}

.cta-card {
    padding: 1.5rem;
    border-radius: var(--radius-md);
    background: #fff;
    border: 1px solid var(--border);
}

.loanopedia-hero {
    background: var(--paper);
}

.home-search-panel {
    max-width: 640px;
    margin: 1.5rem 0 0;
}

.home-search-panel .form-control {
    min-height: 58px;
    border-radius: var(--radius-xs) 0 0 var(--radius-xs);
}

.home-search-panel .btn {
    min-width: 160px;
    border-radius: 0 var(--radius-xs) var(--radius-xs) 0;
}

.loanopedia-side-panel {
    padding: 0;
}

.loanopedia-sidecard {
    padding: 1.5rem;
    border-radius: var(--radius-md);
    background: var(--sand-100);
}

.loanopedia-sidecard h3 {
    margin-bottom: 0.85rem;
    font-size: 1.1rem;
}

.loanopedia-mini-grid {
    display: grid;
    gap: 0.85rem;
}

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

.loanopedia-mini-card {
    border-radius: var(--radius-sm);
    padding: 1rem 1.05rem;
}

.loanopedia-mini-card {
    background: #fff;
    color: var(--text-900);
    border: 1px solid var(--border);
}

.loanopedia-mini-card span {
    display: block;
    font-size: 0.72rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--text-500);
}

.loanopedia-mini-card strong {
    display: block;
    margin-top: 0.2rem;
    font-size: 1.4rem;
    line-height: 1.1;
    font-family: var(--heading-font);
    color: var(--brand-900);
}

.accordion-item {
    border-radius: var(--radius-md);
    overflow: hidden;
    border: 1px solid rgba(0, 52, 95, 0.08);
}

.accordion-item + .accordion-item {
    margin-top: 0.8rem;
}

.accordion-button {
    font-weight: 700;
    color: var(--text-900);
}

.accordion-button:not(.collapsed) {
    color: var(--brand-900);
    background: rgba(7, 90, 156, 0.08);
    box-shadow: none;
}

.accordion-button:focus {
    box-shadow: none;
}

.page-hero {
    padding: 3rem 0 2rem;
}

.article-page-hero {
    padding-bottom: 1.5rem;
}

.page-hero-inner,
.article-header-card {
    padding: 1.75rem;
    border-radius: var(--radius-lg);
    background: #fff;
    border: 1px solid var(--border);
    box-shadow: var(--shadow-xs);
}

.breadcrumb {
    margin-bottom: 0.85rem;
    background: transparent;
}

.breadcrumb-item a {
    text-decoration: none;
    color: var(--text-500);
}

.breadcrumb-item.active {
    color: var(--brand-700);
}

.filter-wrap {
    display: flex;
    flex-wrap: wrap;
    gap: 0.65rem;
}

.filter-chip {
    padding: 0.55rem 0.9rem;
    background: var(--sand-100);
    color: var(--text-700);
    border: 1px solid transparent;
    font-size: 0.85rem;
}

.filter-chip.is-active,
.filter-chip:hover {
    background: var(--text-900);
    color: #fff;
}

.content-grid {
    display: grid;
    gap: 1.5rem;
}

.sidebar-card {
    padding: 1.25rem;
}

.sidebar-card h5,
.sidebar-card h2 {
    margin-bottom: 0.85rem;
}

.list-link-card {
    display: flex;
    gap: 0.85rem;
    padding: 0.75rem 0;
    text-decoration: none;
    border-top: 1px solid var(--border);
}

.list-link-card:first-of-type {
    border-top: none;
    padding-top: 0;
}

.list-link-card:last-of-type {
    padding-bottom: 0;
}

.thumb-compact {
    width: 56px;
    height: 56px;
    border-radius: var(--radius-sm);
    flex-shrink: 0;
    background: var(--sand-100);
    display: flex;
    align-items: center;
    justify-content: center;
    overflow: hidden;
}

.thumb-compact img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.article-header-card .article-meta,
.author-meta {
    display: flex;
    flex-wrap: wrap;
    gap: 0.75rem 1.1rem;
    color: var(--text-500);
}

.article-standfirst {
    max-width: 62ch;
    margin-bottom: 1.25rem;
    color: var(--text-700);
    font-size: 1.04rem;
    line-height: 1.8;
}

.article-stack,
.article-sidebar-stack {
    display: grid;
    gap: 1.5rem;
}

.article-figure {
    margin: 0;
}

.article-featured-media {
    width: 100%;
    display: block;
    aspect-ratio: 16 / 9;
    object-fit: cover;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
    background: var(--sand-100);
}

.article-caption {
    margin-top: 0.75rem;
    font-size: 0.88rem;
    line-height: 1.6;
}

.article-body-card,
.article-sidebar-card,
.article-support-card {
    background: #fff;
}

.article-body-card {
    padding: 1.75rem;
}

.article-content {
    font-size: 1rem;
    color: var(--text-900);
    line-height: 1.85;
}

.article-content > :first-child {
    margin-top: 0;
}

.article-content > :last-child {
    margin-bottom: 0;
}

.table-responsive,
.rich-text-content p,
.rich-text-content ul,
.rich-text-content ol,
.rich-text-content .table-responsive,
.rich-text-content blockquote {
    margin-bottom: 1.35rem;
}

.rich-text-content h1,
.rich-text-content h2,
.rich-text-content h3,
.rich-text-content h4,
.rich-text-content h5,
.rich-text-content h6 {
    margin-top: 2rem;
    margin-bottom: 0.85rem;
    color: var(--brand-900);
    scroll-margin-top: 120px;
}

.rich-text-content ul,
.rich-text-content ol {
    padding-left: 1.25rem;
}

.rich-text-content blockquote {
    padding: 1.1rem 1.35rem;
    border-left: 3px solid var(--accent-500);
    border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
    background: rgba(11, 105, 183, 0.05);
    color: var(--brand-900);
}

.table-responsive,
.rich-text-content .table-responsive {
    border-radius: var(--radius-sm);
    box-shadow: inset 0 0 0 1px var(--border);
    background: #fff;
}

.rich-text-content .table-responsive > .table {
    margin-bottom: 0;
}

.rich-text-content table {
    width: 100%;
}

.rich-text-content table th,
.rich-text-content table td {
    border: 1px solid var(--border);
    padding: 0.75rem;
}

.rich-text-content table th {
    background: var(--sand-100);
}

.policy-meta-card,
.page-callout,
.contact-detail-item {
    display: flex;
}

.policy-meta-card {
    flex-direction: column;
    gap: 0.3rem;
    padding: 1rem 1.1rem;
    border-radius: var(--radius-md);
    background: #fff;
    border: 1px solid var(--border);
    box-shadow: var(--shadow-xs);
}

.policy-meta-label,
.page-callout-kicker {
    font-size: 0.72rem;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    font-weight: 700;
    color: var(--text-500);
}

.policy-meta-card strong {
    color: var(--brand-900);
    font-size: 1.1rem;
}

.policy-meta-card p {
    color: var(--text-700);
    font-size: 0.88rem;
}

.page-callout {
    align-items: flex-start;
    gap: 0.85rem;
}

.page-callout-icon {
    width: 48px;
    height: 48px;
    border-radius: var(--radius-sm);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    color: #fff;
    background: var(--brand-700);
    box-shadow: var(--shadow-xs);
    flex-shrink: 0;
}

.policy-fact-list {
    list-style: none;
    padding: 0;
    margin: 0;
    display: grid;
    gap: 0.85rem;
}

.policy-fact-list li {
    padding-bottom: 0.85rem;
    border-bottom: 1px solid var(--border);
}

.policy-fact-list li:last-child {
    padding-bottom: 0;
    border-bottom: 0;
}

.policy-fact-list strong {
    display: block;
    margin-bottom: 0.3rem;
    color: var(--brand-900);
}

.policy-fact-list span {
    color: var(--text-700);
}

.contact-detail-list {
    display: grid;
    gap: 0.85rem;
}

.contact-detail-item {
    align-items: flex-start;
    gap: 0.75rem;
}

.contact-detail-item strong,
.contact-detail-item a,
.contact-detail-item span {
    display: block;
}

.contact-detail-item a,
.contact-detail-item span {
    color: var(--text-700);
}

.contact-detail-icon {
    width: 40px;
    height: 40px;
    border-radius: var(--radius-xs);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    background: var(--sand-100);
    color: var(--brand-700);
    flex-shrink: 0;
}

.contact-detail-icon .icon {
    display: flex;
    justify-content: center;
    align-items: center;
    height: 100%;
}

.contact-form-stack .form-label {
    font-weight: 600;
    color: var(--text-900);
}

.author-box {
    display: flex;
    gap: 1.1rem;
    padding: 1.25rem;
    border-radius: var(--radius-md);
    background: var(--sand-100);
    border: 1px solid var(--border);
}

.author-box img,
.avatar-circle {
    width: 72px;
    height: 72px;
    border-radius: 50%;
    object-fit: cover;
    flex-shrink: 0;
}

.avatar-circle {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    background: var(--brand-700);
    color: #fff;
}

.author-social {
    display: flex;
    flex-wrap: wrap;
    gap: 0.65rem;
}

.author-social a {
    color: var(--brand-700);
}

.share-strip {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 0.65rem;
    padding: 1rem 1.25rem;
    border: 1px solid var(--border);
    border-radius: var(--radius-md);
    background: #fff;
    box-shadow: var(--shadow-xs);
}

.share-strip .btn {
    width: 38px;
    height: 38px;
    padding: 0;
    display: inline-flex;
    align-items: center;
    justify-content: center;
}

.toc ul {
    padding-left: 0;
    list-style: none;
    margin-bottom: 0;
    display: grid;
    gap: 0.55rem;
}

.toc a {
    display: inline-block;
    text-decoration: none;
    color: var(--text-700);
    line-height: 1.55;
}

.toc a:hover {
    color: var(--brand-700);
}

.author-hero {
    display: flex;
    align-items: center;
    gap: 1.25rem;
}

.author-hero .avatar-circle,
.author-hero img {
    width: 96px;
    height: 96px;
}

.author-hero-copy p {
    color: var(--text-700);
}

.author-archive-card {
    display: flex;
    align-items: center;
    gap: 1rem;
}

.author-archive-card .avatar-circle,
.author-archive-card img {
    flex: 0 0 auto;
    width: 72px;
    height: 72px;
}

.article-sticky-card {
    top: 110px;
}

.product-panel {
    padding: 1.35rem;
}

.product-head {
    display: flex;
    flex-wrap: wrap;
    justify-content: space-between;
    gap: 0.85rem;
    margin-bottom: 0.85rem;
}

.product-badge,
.bank-badge {
    display: inline-flex;
    align-items: center;
    padding: 0.35rem 0.7rem;
    border-radius: var(--radius-xs);
    font-size: 0.78rem;
    font-weight: 700;
}

.product-badge {
    background: rgba(11, 105, 183, 0.1);
    color: var(--brand-700);
}

.bank-badge {
    background: rgba(54, 165, 34, 0.1);
    color: var(--mint-500);
}

.quick-facts {
    display: grid;
    gap: 0.85rem;
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.detail-tile {
    background: var(--sand-100);
}

.detail-tile .label {
    font-size: 0.72rem;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: var(--text-500);
    font-weight: 600;
}

.detail-tile .value {
    margin-top: 0.2rem;
    font-weight: 700;
    color: var(--text-900);
}

.detail-list dd,
.detail-list dt {
    margin: 0;
}

.detail-row {
    display: flex;
    justify-content: space-between;
    gap: 0.85rem;
    padding: 0.75rem 0;
    border-top: 1px solid var(--border);
}

.detail-row:first-child {
    border-top: none;
    padding-top: 0;
}

.lead-layout {
    display: grid;
    gap: 1.5rem;
    grid-template-columns: minmax(0, 0.92fr) minmax(0, 1.08fr);
}

.lead-feature {
    padding: 1.5rem;
    border-radius: var(--radius-md);
    background: var(--sand-100);
    border: 1px solid var(--border);
}

.lead-card {
    padding: 1.5rem;
}

.lead-feature h3,
.lead-card h3 {
    margin-bottom: 0.75rem;
}

.alert {
    border: none;
    border-radius: var(--radius-sm);
}

.compare-table-wrap {
    overflow: hidden;
    padding: 0;
}

.compare-table-wrap .table {
    margin-bottom: 0;
}

.compare-table-wrap thead th {
    background: var(--sand-100);
    color: var(--brand-900);
    border-bottom-width: 1px;
}

.compare-table-wrap td,
.compare-table-wrap th {
    padding: 0.85rem;
    vertical-align: middle;
}

.compare-table-wrap tbody tr:hover {
    background: var(--sand-100);
}

.footer {
    padding: 0 0 1.5rem;
    color: var(--text-700);
}

.footer-banner {
    margin-bottom: 2rem;
}

.footer-grid {
    padding-bottom: 1.75rem;
}

.footer h6 {
    font-size: 0.78rem;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: var(--text-500);
    margin-bottom: 0.85rem;
}

.footer-links li {
    margin-bottom: 0.55rem;
}

.footer-links a {
    text-decoration: none;
    color: var(--text-700);
}

.footer-links a:hover {
    color: var(--brand-900);
}

.footer-bottom {
    padding-top: 1rem;
    border-top: 1px solid var(--border);
}

.footer-note {
    margin-top: 0.85rem;
    /* margin-bottom: 1.5rem;
    padding: 0.85rem 1rem; */
    border-radius: var(--radius-sm);
    /* background: var(--sand-100);
    border: 1px solid var(--border); */
}

.toast-notification {
    position: fixed;
    right: 1.1rem;
    bottom: 1.1rem;
    z-index: 1080;
    padding: 0.75rem 1rem;
    border-radius: var(--radius-sm);
    color: #fff;
    box-shadow: var(--shadow-md);
    transform: translateY(16px);
    opacity: 0;
    transition: transform var(--transition), opacity var(--transition);
}

.toast-notification.show {
    opacity: 1;
    transform: translateY(0);
}

.toast-success {
    background: var(--mint-500);
}

/* ── Category product list rows ── */
.cat-product-row {
    display: flex;
    align-items: center;
    gap: 1rem;
    padding: 1rem 0;
    border-top: 1px solid var(--border);
}

.cat-product-row:first-of-type { border-top: none; padding-top: 0; }
.cat-product-row:last-of-type  { padding-bottom: 0; }

.cat-product-main { flex: 1; min-width: 0; }

.cat-product-facts {
    display: flex;
    flex-wrap: wrap;
    gap: 0.5rem 1.25rem;
    margin-top: 0.5rem;
}

.cat-fact {
    display: flex;
    flex-direction: column;
    min-width: 80px;
}

.cat-fact-label {
    font-size: 0.7rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--text-500);
}

.cat-fact-value {
    font-size: 0.88rem;
    font-weight: 600;
    color: var(--text-900);
    margin-top: 0.1rem;
}

.cat-product-actions {
    display: flex;
    flex-direction: column;
    gap: 0.4rem;
    flex-shrink: 0;
    align-items: stretch;
    min-width: 90px;
}

@media (max-width: 575.98px) {
    .cat-product-row { flex-direction: column; align-items: flex-start; }
    .cat-product-actions { flex-direction: row; min-width: unset; width: 100%; }
    .cat-product-actions .btn { flex: 1; }
    .cat-product-facts { gap: 0.4rem 1rem; }
}

.loan-guide-article {
    padding: 1.5rem;
}

.loan-guide-content > * + * {
    margin-top: 1rem;
}

.loan-guide-content h2,
.loan-guide-content h3 {
    color: var(--brand-900);
    margin-bottom: 0.3rem;
}

.loan-guide-content p {
    margin-bottom: 0;
    color: var(--text-700);
}

.loan-guide-section {
    padding-top: 0.5rem;
}

.loan-guide-note {
    padding: 0.85rem 1rem;
    border-radius: var(--radius-sm);
    background: rgba(11, 105, 183, 0.05);
    border: 1px solid var(--border);
    color: var(--brand-900);
}

.loan-guide-table-wrap {
    overflow-x: auto;
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
}

.loan-guide-table {
    margin-bottom: 0;
    min-width: 620px;
}

.loan-guide-table thead th {
    background: var(--sand-100);
    color: var(--brand-900);
    border-bottom: 1px solid var(--border);
    white-space: nowrap;
}

.loan-guide-table td,
.loan-guide-table th {
    padding: 0.8rem 0.9rem;
    vertical-align: top;
}

.loan-guide-table tbody tr:nth-child(even) {
    background: var(--sand-100);
}

.loan-guide-facts {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
    gap: 0.85rem;
}

.loan-guide-fact {
    padding: 0.8rem 0.9rem;
    border-radius: var(--radius-sm);
    background: rgba(11, 105, 183, 0.05);
    border: 1px solid var(--border);
    color: var(--brand-900);
    font-weight: 600;
    font-size: 0.9rem;
}

[data-reveal],
[data-reveal].is-visible {
    opacity: 1 !important;
    transform: none !important;
    transition: none !important;
    visibility: visible !important;
}

.cta-section-footer {
    padding: 2rem;
    border-radius: var(--radius-lg);
    background: var(--sand-100);
    border: 1px solid var(--border);
    margin-bottom: 2.5rem;
}

.site-footer {
    padding: 0;
}

.site-footer .container {
    padding-top: 0;
}

@media (max-width: 991.98px) {
    .hero-section {
        padding-top: 3.5rem;
    }

    .hero-stats,
    .quick-facts,
    .lead-layout,
    .loan-guide-facts {
        grid-template-columns: 1fr;
    }
    .loanopedia-mini-grid,

    .trust-strip {
        margin-top: 0;
        padding-top: 1rem;
    }

    .author-hero,
    .author-box {
        flex-direction: column;
        align-items: flex-start;
    }

    .nav-actions {
        padding-top: 0.85rem;
    }

    .brand-wordmark {
        height: 42px;
        max-width: 220px;
    }
}

@media (max-width: 767.98px) {
    .topbar {
        text-align: center;
    }

    .page-hero,
    .section-shell {
        padding: 3rem 0;
    }

    .article-page-hero {
        padding: 2.25rem 0 1rem;
    }

    .page-hero-inner,
    .article-header-card,
    .surface-card,
    .lead-card,
    .sidebar-card {
        padding: 1.25rem;
    }

    .hero-section h1,
    .page-hero h1 {
        font-size: 1.875rem;  /* 30px */
    }

    .h1, h1 { font-size: 1.875rem; }   /* 30px */
    .h2, h2 { font-size: 1.5rem; }     /* 24px */
    .h3, h3 { font-size: 1.25rem; }    /* 20px */
    .h4, h4 { font-size: 1.0625rem; }  /* 17px */
    .h5, h5 { font-size: 1rem; }       /* 16px */
    .h6, h6 { font-size: 0.875rem; }   /* 14px */

    .rich-text-content h1 { font-size: 1.875rem; }
    .rich-text-content h2 { font-size: 1.5rem; }
    .rich-text-content h3 { font-size: 1.25rem; }
    .rich-text-content h4 { font-size: 1.0625rem; }
    .rich-text-content h5 { font-size: 1rem; }
    .rich-text-content h6 { font-size: 0.875rem; }
    .rich-text-content h6 { font-size: 12px; }

    .brand-wordmark {
        height: 38px;
        max-width: 190px;
    }

    .hero-actions,
    .share-strip {
        flex-direction: column;
        align-items: stretch;
    }

    .article-stack,
    .article-sidebar-stack {
        gap: 1.25rem;
    }

    .article-body-card {
        padding: 1.25rem;
    }

    .article-featured-media {
        aspect-ratio: 5 / 3;
    }

    .article-sticky-card {
        top: auto;
    }

    .home-search-panel .btn,
    .hero-actions .btn,
    .cta-card .btn {
        width: 100%;
    }

    .quick-facts,
    .hero-stats {
        grid-template-columns: 1fr;
    }

    .page-callout {
        flex-direction: column;
    }

    .calc-summary {
        grid-template-columns: 1fr;
    }

    .result-card-head,
    .directory-card-top {
        flex-direction: column;
        align-items: flex-start;
    }

    .article-card .card-image {
        min-height: 160px;
    }

    /* category / bank pages */
    .product-head { flex-direction: column; align-items: flex-start; }
    .bank-hero-header { flex-direction: column; align-items: flex-start !important; }
    .detail-row { flex-direction: column; gap: 0.15rem; }

    /* home search panel: stack input + button on very small screens */
    .home-search-panel .input-group { flex-direction: column; }
    .home-search-panel .form-control {
        border-radius: var(--radius-xs) !important;
        min-height: 52px;
    }
    .home-search-panel .btn {
        border-radius: var(--radius-xs) !important;
        min-width: unset;
    }

    /* compare table: allow horizontal scroll on small screens */
    .compare-table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; }

    /* footer CTA section: stack buttons */
    .cta-section-footer .col-lg-4 { text-align: left !important; }

    /* section titles scale down */
    .section-title { font-size: 1.25rem; }  /* 20px — stays below mobile h1 */
}

/* Table Wrapper */
.table-responsive table thead th,
table thead th {
    color: #ffffff;
    background: #2d4a8a;
}

/* Hover Effect */
.table-responsive table tbody tr:hover {
    background-color: #dce6f7;
    transition: background-color 0.2s ease;
}

/* Scroll to Top Button */
#scrollTopBtn {
    position: fixed;
    bottom: 1.5rem;
    right: 1.5rem;
    z-index: 1050;
    width: 44px;
    height: 44px;
    border-radius: 50%;
    border: none;
    background: var(--brand-700);
    color: #fff;
    font-size: 1rem;
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    box-shadow: var(--shadow-md);
    opacity: 0;
    visibility: hidden;
    transform: translateY(12px);
    transition: opacity 0.25s ease, transform 0.25s ease, visibility 0.25s ease, background 0.2s ease;
}
#scrollTopBtn.visible {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}
#scrollTopBtn:hover {
    background: var(--brand-900);
}

/* ===================================
   Site Design Refresh
   =================================== */
:root {
    --brand-900: #00345f;
    --brand-700: #075a9c;
    --brand-600: #0b69b7;
    --accent-500: #48b82e;
    --accent-400: #62c946;
    --mint-500: #36a522;
    --coral-500: #d44b3d;
    --sand-200: #dceaf6;
    --sand-100: #f2f8fd;
    --paper: #f7fbff;
    --text-900: #163040;
    --text-700: #435768;
    --text-500: #738294;
    --border: #d9e7f3;
    --shadow-xs: 0 1px 2px rgba(0, 52, 95, 0.05);
    --shadow-sm: 0 6px 18px rgba(0, 52, 95, 0.07);
    --shadow-md: 0 12px 30px rgba(0, 52, 95, 0.09);
    --shadow-lg: 0 18px 44px rgba(0, 52, 95, 0.11);
    --radius-xs: 8px;
    --radius-sm: 8px;
    --radius-md: 8px;
    --radius-lg: 8px;
    --radius-xl: 8px;
}

body.site-body {
    background: var(--paper);
    color: var(--text-900);
}

h1,
h2,
h3,
h4,
h5,
h6,
.section-title,
.brand-name,
.article-card h5,
.article-card h3,
.article-card h4 {
    letter-spacing: 0;
}

.h1,
h1 {
    font-size: 2.5rem;
}

.hero-section h1,
.page-hero h1 {
    font-size: 2.3rem;
    letter-spacing: 0;
}

.header {
    box-shadow: 0 1px 0 rgba(0, 52, 95, 0.06);
}

.site-navbar {
    background: rgba(255, 255, 255, 0.96);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid rgba(217, 231, 243, 0.88);
}

.brand-wordmark {
    height: 46px;
    max-width: 230px;
    object-fit: contain;
}

.brand-wordmark-footer {
    filter: brightness(0) invert(1);
}

.site-navbar .nav-link {
    color: var(--text-700);
    border-radius: 8px;
    padding: 0.55rem 0.7rem;
    font-weight: 600;
}

.site-navbar .nav-link:hover,
.site-navbar .nav-link:focus {
    color: var(--brand-700);
    background: rgba(7, 90, 156, 0.08);
}

.site-navbar .dropdown-menu {
    border-radius: 8px;
    border-color: var(--border);
    box-shadow: var(--shadow-md);
}

.btn {
    border-radius: 8px;
    letter-spacing: 0;
}

.btn-brand,
.btn-primary {
    background: var(--brand-700);
    border-color: var(--brand-700);
}

.btn-brand:hover,
.btn-primary:hover {
    background: var(--brand-900);
    border-color: var(--brand-900);
}

.btn-success {
    background: var(--mint-500);
    border-color: var(--mint-500);
}

.btn-outline-brand,
.btn-outline-primary {
    color: var(--brand-700);
    background: #fff;
    border: 1px solid var(--border);
}

.btn-outline-brand:hover,
.btn-outline-primary:hover {
    color: #fff;
    background: var(--brand-700);
    border-color: var(--brand-700);
}

.hero-section {
    padding: 4rem 0 3.25rem;
    background: #fff;
    border-bottom: 1px solid var(--border);
}

.hero-section::before {
    display: none;
}

.eyebrow-pill,
.page-eyebrow {
    border-radius: 8px;
    letter-spacing: 0.04em;
}

.eyebrow-pill,
.page-eyebrow {
    background: rgba(7, 90, 156, 0.08);
    color: var(--brand-700);
    border: 1px solid rgba(7, 90, 156, 0.14);
}

.surface-card,
.category-card,
.article-card,
.bank-logo-card,
.product-panel,
.compare-table-wrap,
.lead-card,
.sidebar-card,
.page-hero-inner,
.article-header-card,
.cta-panel,
.cta-section-footer {
    border-radius: 8px;
    border-color: var(--border);
    box-shadow: var(--shadow-xs);
}

.surface-card:hover,
.category-card:hover,
.article-card:hover,
.bank-logo-card:hover,
.product-panel:hover {
    border-color: rgba(7, 90, 156, 0.24);
    box-shadow: var(--shadow-sm);
}

.section-shell {
    padding: 4rem 0;
}

.shell-muted {
    background: #eef4f7;
}

.section-title {
    font-size: 1.75rem;
}

.section-subtitle {
    color: var(--text-700);
}

.category-card .icon,
.home-directory-icon,
.home-tool-icon,
.home-structure-icon {
    background: rgba(7, 90, 156, 0.1);
    color: var(--brand-700);
}

.category-card:nth-child(3n + 2) .icon {
    background: rgba(72, 184, 46, 0.1);
    color: var(--accent-500);
}

.category-card:nth-child(3n) .icon {
    background: rgba(54, 165, 34, 0.1);
    color: var(--mint-500);
}

.card-category,
.category-card .count {
    color: var(--brand-700);
}

.article-card .card-image {
    background: #d9e7f3;
}

.page-hero {
    background: var(--paper);
}

.site-footer {
    background: #111827;
    color: rgba(255, 255, 255, 0.76);
    padding: 3rem 0 1.5rem;
}

.site-footer a,
.site-footer h6 {
    color: #fff;
}

.site-footer .text-muted,
.site-footer p {
    color: rgba(255, 255, 255, 0.68) !important;
}

.site-footer .cta-section-footer {
    background: #fff;
    color: var(--text-900);
    border-color: rgba(255, 255, 255, 0.12);
}

.site-footer .cta-section-footer p,
.site-footer .cta-section-footer .text-muted {
    color: var(--text-700) !important;
}

.footer-bottom,
.footer-note {
    border-color: rgba(255, 255, 255, 0.12);
}

.home-hero .lead {
    max-width: 640px;
}

.home-metric-row {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 0.75rem;
    max-width: 620px;
    margin-top: 1.25rem;
}

.home-metric-row div {
    padding: 0.9rem 1rem;
    background: var(--sand-100);
    border: 1px solid var(--border);
    border-radius: 8px;
}

.home-metric-row strong {
    display: block;
    font-size: 1.25rem;
    line-height: 1.15;
    color: var(--brand-900);
}

.home-metric-row span {
    display: block;
    margin-top: 0.15rem;
    color: var(--text-500);
    font-size: 0.82rem;
}

.home-structure-panel {
    padding: 1.25rem;
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 8px;
    box-shadow: var(--shadow-md);
}

.home-structure-head {
    display: flex;
    align-items: center;
    gap: 0.9rem;
    padding-bottom: 1rem;
    border-bottom: 1px solid var(--border);
    margin-bottom: 0.85rem;
}

.home-structure-head img {
    width: 62px;
    height: 42px;
    object-fit: contain;
    border: 1px solid var(--border);
    border-radius: 8px;
    background: #fff;
}

.home-structure-head span {
    display: block;
    color: var(--text-500);
    font-size: 0.78rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.04em;
}

.home-structure-head strong {
    display: block;
    margin-top: 0.1rem;
    font-size: 1rem;
}

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

.home-structure-row {
    display: grid;
    grid-template-columns: 42px minmax(0, 1fr) auto;
    gap: 0.75rem;
    align-items: center;
    padding: 0.85rem;
    color: var(--text-900);
    text-decoration: none;
    border: 1px solid var(--border);
    border-radius: 8px;
    background: var(--sand-100);
}

.home-structure-row:hover {
    color: var(--brand-700);
    background: #fff;
    border-color: rgba(7, 90, 156, 0.25);
}

.home-structure-icon,
.home-directory-icon,
.home-tool-icon {
    width: 42px;
    height: 42px;
    border-radius: 8px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.home-structure-copy strong,
.home-structure-copy small {
    display: block;
    min-width: 0;
}

.home-structure-copy small {
    color: var(--text-500);
    font-size: 0.8rem;
    line-height: 1.35;
}

.home-structure-meta {
    color: var(--text-500);
    font-size: 0.78rem;
    font-weight: 700;
    white-space: nowrap;
}

.home-directory-grid,
.home-tool-grid,
.home-bank-grid {
    display: grid;
    gap: 1rem;
}

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

.home-directory-card,
.home-tool-card,
.home-bank-card {
    color: var(--text-900);
    text-decoration: none;
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 8px;
    box-shadow: var(--shadow-xs);
    transition: border-color var(--transition), box-shadow var(--transition), transform var(--transition);
}

.home-directory-card:hover,
.home-tool-card:hover,
.home-bank-card:hover {
    color: var(--text-900);
    border-color: rgba(7, 90, 156, 0.28);
}

.home-directory-card {
    display: flex;
    flex-direction: column;
    min-height: 220px;
    padding: 1.25rem;
}

.home-directory-title {
    margin-top: 1rem;
    font-weight: 800;
    font-size: 1rem;
}

.home-directory-text {
    margin-top: 0.5rem;
    color: var(--text-700);
    font-size: 0.92rem;
    line-height: 1.55;
}

.home-directory-meta {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    margin-top: auto;
    padding-top: 1rem;
    color: var(--brand-700);
    font-weight: 700;
    font-size: 0.85rem;
}

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

.home-tool-card {
    display: flex;
    flex-direction: column;
    min-height: 230px;
    padding: 1.2rem;
}

.home-tool-type {
    margin-top: 1rem;
    color: var(--accent-500);
    font-size: 0.76rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.04em;
}

.home-tool-card strong {
    display: block;
    margin-top: 0.3rem;
    line-height: 1.35;
}

.home-tool-card small {
    display: block;
    margin-top: 0.55rem;
    color: var(--text-700);
    line-height: 1.5;
}

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

.home-bank-card {
    display: flex;
    align-items: center;
    gap: 0.85rem;
    padding: 1rem;
    min-width: 0;
}

.home-bank-logo {
    width: 46px;
    height: 46px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    border: 1px solid var(--border);
    border-radius: 8px;
    background: var(--sand-100);
    color: var(--brand-700);
    overflow: hidden;
}

.home-bank-logo img {
    width: 100%;
    height: 100%;
    object-fit: contain;
    padding: 5px;
}

.home-bank-card strong,
.home-bank-card small {
    display: block;
    min-width: 0;
}

.home-bank-card strong {
    overflow: hidden;
    text-overflow: ellipsis;
    white-space: nowrap;
}

.home-bank-card small {
    color: var(--text-500);
    font-size: 0.8rem;
}

.home-final-cta .cta-panel {
    background: #fff;
}

@media (max-width: 1199.98px) {
    .home-directory-grid,
    .home-tool-grid,
    .home-bank-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
}

@media (max-width: 991.98px) {
    .hero-section h1,
    .page-hero h1 {
        font-size: 2.15rem;
    }

    .home-structure-panel {
        margin-top: 0.5rem;
    }
}

@media (max-width: 767.98px) {
    .hero-section {
        padding: 3rem 0 2.5rem;
    }

    .hero-section h1,
    .page-hero h1,
    .h1,
    h1 {
        font-size: 1.9rem;
    }

    .section-title,
    .h2,
    h2 {
        font-size: 1.45rem;
    }

    .home-metric-row,
    .home-directory-grid,
    .home-tool-grid,
    .home-bank-grid {
        grid-template-columns: 1fr;
    }

    .home-structure-row {
        grid-template-columns: 42px minmax(0, 1fr);
    }

    .home-structure-meta {
        grid-column: 2;
    }
}
::-webkit-scrollbar {
    width: 4px;
    height: 5px;
    border-radius: 34px;
    background: #edeef2;
}
::-webkit-scrollbar-thumb {
    background-color: var(--brand-900);
    border-radius: 34px;
}

::-webkit-scrollbar-track {
    border-radius: 30px;
    background: #edeef2;
}