/* ==========================================================================
   Jora Credit — Design System & Stylesheet
   Modern, Trustworthy, Accessible U.S. Financial Experience
   ========================================================================== */

:root {
  /* Brand Palette */
  --navy-950: #07101E;
  --navy-900: #0B192C;
  --navy-850: #0F223D;
  --navy-800: #142E52;
  --navy-700: #1C3E6C;
  --navy-600: #25528E;

  /* Accent: Sophisticated Financial Teal */
  --teal-600: #0D9488;
  --teal-700: #0F766E;
  --teal-800: #115E59;
  --teal-500: #14B8A6;
  --teal-100: #CCFBF1;
  --teal-50: #F0FDFA;

  /* Neutrals */
  --slate-900: #0F172A;
  --slate-800: #1E293B;
  --slate-700: #334155;
  --slate-600: #475569;
  --slate-500: #64748B;
  --slate-400: #94A3B8;
  --slate-300: #CBD5E1;
  --slate-200: #E2E8F0;
  --slate-100: #F1F5F9;
  --slate-50: #F8FAFC;
  --white: #FFFFFF;

  /* Status Colors */
  --status-info-bg: #EFF6FF;
  --status-info-text: #1E40AF;
  --status-info-border: #DBEAFE;
  --status-amber-bg: #FFFBEB;
  --status-amber-text: #92400E;
  --status-amber-border: #FDE68A;

  /* Typography */
  --font-sans: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  
  /* Radii */
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-xl: 20px;
  --radius-pill: 9999px;

  /* Shadows */
  --shadow-sm: 0 1px 2px 0 rgba(11, 25, 44, 0.05);
  --shadow-md: 0 4px 6px -1px rgba(11, 25, 44, 0.07), 0 2px 4px -2px rgba(11, 25, 44, 0.05);
  --shadow-lg: 0 10px 15px -3px rgba(11, 25, 44, 0.08), 0 4px 6px -4px rgba(11, 25, 44, 0.04);
  --shadow-xl: 0 20px 25px -5px rgba(11, 25, 44, 0.1), 0 8px 10px -6px rgba(11, 25, 44, 0.05);

  /* Transitions */
  --transition-fast: 0.15s ease;
  --transition-normal: 0.25s ease;
}

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

html {
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.6;
  color: var(--slate-800);
  background-color: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  scroll-behavior: smooth;
}

body {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  background-color: var(--white);
}

/* Focus Management for Accessibility */
:focus-visible {
  outline: 2px solid var(--teal-600);
  outline-offset: 3px;
}

/* Skip link */
.skip-link {
  position: absolute;
  top: -40px;
  left: 16px;
  background: var(--navy-900);
  color: var(--white);
  padding: 8px 16px;
  text-decoration: none;
  font-weight: 600;
  border-radius: var(--radius-sm);
  z-index: 1000;
  transition: top var(--transition-fast);
}
.skip-link:focus {
  top: 16px;
}

/* Typography Hierarchy */
h1, h2, h3, h4, h5, h6 {
  color: var(--navy-900);
  font-weight: 700;
  line-height: 1.25;
  letter-spacing: -0.02em;
}

h1 { font-size: clamp(2rem, 3.5vw + 1rem, 2.75rem); }
h2 { font-size: clamp(1.6rem, 2.5vw + 0.5rem, 2.15rem); margin-bottom: 0.75rem; }
h3 { font-size: 1.35rem; margin-bottom: 0.5rem; }
h4 { font-size: 1.125rem; margin-bottom: 0.35rem; }

p {
  color: var(--slate-700);
  font-size: 1.05rem;
  line-height: 1.65;
  max-width: 72ch;
}

p + p {
  margin-top: 1rem;
}

a {
  color: var(--teal-700);
  text-decoration: none;
  transition: color var(--transition-fast);
}
a:hover {
  color: var(--teal-800);
  text-decoration: underline;
}

/* Container */
.container {
  width: 100%;
  max-width: 1200px;
  margin-left: auto;
  margin-right: auto;
  padding-left: 20px;
  padding-right: 20px;
}

.section {
  padding-top: 80px;
  padding-bottom: 80px;
}

.section-alt {
  background-color: var(--slate-50);
}

.section-navy {
  background-color: var(--navy-900);
  color: var(--white);
}

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

.section-navy p {
  color: var(--slate-300);
}

.section-header {
  text-align: center;
  max-width: 760px;
  margin: 0 auto 50px auto;
}

.section-eyebrow {
  display: inline-block;
  font-size: 0.85rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--teal-700);
  margin-bottom: 8px;
}

.section-navy .section-eyebrow {
  color: var(--teal-500);
}

.section-header p {
  margin-left: auto;
  margin-right: auto;
}

/* Header & Sticky Nav */
.site-header {
  position: sticky;
  top: 0;
  left: 0;
  right: 0;
  background-color: rgba(255, 255, 255, 0.98);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--slate-200);
  z-index: 900;
  transition: box-shadow var(--transition-normal);
}

.site-header-static {
  position: static !important;
  top: auto !important;
  box-shadow: none !important;
}

.site-header.scrolled {
  box-shadow: var(--shadow-md);
}

.header-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}

.brand-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--navy-900);
  letter-spacing: -0.03em;
  text-decoration: none;
  flex-shrink: 0;
}
.brand-logo:hover {
  text-decoration: none;
}

.logo-symbol {
  width: 38px;
  height: 38px;
  border-radius: var(--radius-md);
  background: linear-gradient(135deg, var(--navy-900), var(--navy-800));
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--teal-500);
  font-size: 1.3rem;
  font-weight: 800;
  box-shadow: var(--shadow-sm);
  flex-shrink: 0;
}

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

.nav-links {
  display: flex;
  align-items: center;
  gap: 20px;
  list-style: none;
  margin: 0;
  padding: 0;
}

.nav-link {
  font-size: 0.925rem;
  font-weight: 600;
  color: var(--slate-700);
  text-decoration: none;
  padding: 8px 0;
  position: relative;
  white-space: nowrap;
  transition: color var(--transition-fast);
}

.nav-link:hover, .nav-link.active {
  color: var(--navy-900);
  text-decoration: none;
}

.nav-link.active::after {
  content: "";
  position: absolute;
  bottom: -4px;
  left: 0;
  right: 0;
  height: 2px;
  background-color: var(--teal-600);
  border-radius: var(--radius-pill);
}

.nav-actions {
  display: flex;
  align-items: center;
  flex-shrink: 0;
}

.nav-actions .btn {
  padding: 9px 20px;
  font-size: 0.925rem;
  min-height: 40px;
  border-radius: var(--radius-pill);
  font-weight: 600;
}

/* Hamburger toggle for mobile */
.nav-toggle {
  display: none;
  background: none;
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-sm);
  padding: 8px;
  cursor: pointer;
  color: var(--navy-900);
  align-items: center;
  justify-content: center;
}
.nav-toggle:focus-visible {
  outline: 2px solid var(--teal-600);
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 24px;
  font-size: 0.975rem;
  font-weight: 600;
  border-radius: var(--radius-md);
  cursor: pointer;
  transition: all var(--transition-fast);
  border: 1px solid transparent;
  white-space: nowrap;
  line-height: 1.25;
  text-decoration: none;
  min-height: 46px;
}
.btn:hover {
  text-decoration: none;
}

.btn-primary {
  background-color: var(--teal-600);
  color: var(--white);
  box-shadow: var(--shadow-sm);
}
.btn-primary:hover {
  background-color: var(--teal-700);
  color: var(--white);
  box-shadow: var(--shadow-md);
  transform: translateY(-1px);
}

.btn-navy {
  background-color: var(--navy-900);
  color: var(--white);
}
.btn-navy:hover {
  background-color: var(--navy-800);
  color: var(--white);
  transform: translateY(-1px);
}

.btn-outline {
  background-color: transparent;
  border-color: var(--slate-300);
  color: var(--navy-900);
}
.btn-outline:hover {
  background-color: var(--slate-50);
  border-color: var(--slate-400);
}

.btn-white {
  background-color: var(--white);
  color: var(--navy-900);
  font-weight: 700;
}
.btn-white:hover {
  background-color: var(--slate-100);
  color: var(--navy-950);
}

.btn-lg {
  padding: 14px 28px;
  font-size: 1.05rem;
  min-height: 52px;
}

/* Hero Section */
.hero-section {
  padding-top: 60px;
  padding-bottom: 70px;
  background-color: var(--white);
  overflow: hidden;
}

.hero-grid {
  display: grid;
  grid-template-columns: 55% 45%;
  align-items: center;
  gap: 40px;
}

.hero-content {
  padding-right: 15px;
}

.hero-eyebrow {
  display: inline-block;
  font-size: 0.875rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--teal-700);
  background-color: var(--teal-50);
  border: 1px solid var(--teal-100);
  padding: 5px 14px;
  border-radius: var(--radius-pill);
  margin-bottom: 16px;
}

.hero-h1 {
  font-size: clamp(2.15rem, 3.8vw + 0.8rem, 3.15rem);
  line-height: 1.18;
  margin-bottom: 20px;
  color: var(--navy-900);
}

.hero-lead {
  font-size: 1.15rem;
  line-height: 1.65;
  color: var(--slate-700);
  margin-bottom: 30px;
}

.hero-cta-group {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 16px;
  margin-bottom: 36px;
}

.hero-trust-list {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
  list-style: none;
  padding-top: 24px;
  border-top: 1px solid var(--slate-200);
}

.hero-trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.925rem;
  font-weight: 600;
  color: var(--slate-700);
}

.trust-check-icon {
  flex-shrink: 0;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background-color: var(--teal-100);
  color: var(--teal-700);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  font-weight: 800;
}

.hero-image-wrapper {
  position: relative;
  width: 100%;
}

.hero-img {
  width: 100%;
  height: auto;
  max-height: 540px;
  object-fit: cover;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--slate-200);
}

/* Quick Loan Estimator Section */
.estimator-card {
  background-color: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-xl);
  padding: 40px;
  box-shadow: var(--shadow-lg);
  margin-top: -20px;
}

.estimator-header {
  text-align: center;
  margin-bottom: 32px;
}

.estimator-preset-group {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 10px;
  margin-bottom: 30px;
}

.preset-btn {
  padding: 8px 18px;
  background-color: var(--slate-100);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-pill);
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--slate-700);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.preset-btn:hover {
  background-color: var(--slate-200);
}

.preset-btn.active {
  background-color: var(--navy-900);
  color: var(--white);
  border-color: var(--navy-900);
}

.estimator-controls-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: center;
}

.range-slider-wrap {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.slider-labels {
  display: flex;
  justify-content: space-between;
  font-size: 0.85rem;
  color: var(--slate-500);
  font-weight: 500;
}

.styled-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 8px;
  border-radius: var(--radius-pill);
  background: var(--slate-200);
  outline: none;
  cursor: pointer;
}

.styled-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--teal-600);
  border: 2px solid var(--white);
  box-shadow: var(--shadow-md);
  cursor: pointer;
  transition: transform var(--transition-fast);
}
.styled-slider::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}

.numeric-input-wrap {
  display: flex;
  align-items: center;
  border: 1px solid var(--slate-300);
  border-radius: var(--radius-md);
  padding: 0 14px;
  background-color: var(--white);
  height: 52px;
}

.currency-symbol {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--slate-500);
  margin-right: 6px;
}

.numeric-input {
  border: none;
  outline: none;
  width: 100%;
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--navy-900);
}

/* Estimator Results Card */
.estimator-results {
  background: linear-gradient(135deg, var(--navy-900), var(--navy-850));
  border-radius: var(--radius-lg);
  padding: 32px;
  color: var(--white);
}

.result-item {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: 12px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}

.result-item:last-child {
  border-bottom: none;
}

.result-label {
  font-size: 0.95rem;
  color: var(--slate-300);
}

.result-value {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--white);
}

.result-value-lg {
  font-size: 2rem;
  color: var(--teal-500);
  font-weight: 800;
}

.btn-calc-cta {
  width: 100%;
  margin-top: 24px;
  font-size: 1.05rem;
  font-weight: 700;
  padding: 14px 20px;
  box-shadow: 0 4px 14px rgba(13, 148, 136, 0.35);
  letter-spacing: 0.01em;
}
.btn-calc-cta:hover {
  box-shadow: 0 6px 18px rgba(13, 148, 136, 0.45);
}

.estimator-disclaimer {
  margin-top: 20px;
  font-size: 0.85rem;
  color: var(--slate-500);
  text-align: center;
  line-height: 1.5;
}

/* Value / Trust Cards Grid */
.cards-grid-4 {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 24px;
}

.cards-grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.feature-card {
  background-color: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  padding: 30px;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-fast), box-shadow var(--transition-fast);
}
.feature-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-color: var(--slate-300);
}

.card-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-md);
  background-color: var(--teal-50);
  border: 1px solid var(--teal-100);
  color: var(--teal-700);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  font-size: 1.35rem;
}

.feature-card h3 {
  font-size: 1.2rem;
  color: var(--navy-900);
  margin-bottom: 12px;
}

.feature-card p {
  font-size: 0.975rem;
  color: var(--slate-600);
}

/* Step Process (How It Works) */
.steps-container {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
  position: relative;
}

.step-card {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  padding: 36px 30px;
  box-shadow: var(--shadow-sm);
  position: relative;
}

.step-number {
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--teal-600);
  line-height: 1;
  margin-bottom: 16px;
  opacity: 0.9;
}

.step-card h3 {
  font-size: 1.25rem;
  margin-bottom: 12px;
}

/* Visual Process Flow (What Is An Installment Loan) */
.flow-diagram {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  margin: 40px 0;
  padding: 24px;
  background-color: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
}

.flow-node {
  flex: 1;
  min-width: 140px;
  background-color: var(--slate-50);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-md);
  padding: 16px 14px;
  text-align: center;
}

.flow-node-title {
  font-weight: 700;
  color: var(--navy-900);
  font-size: 0.95rem;
}

.flow-node-desc {
  font-size: 0.8rem;
  color: var(--slate-500);
  margin-top: 4px;
}

.flow-arrow {
  color: var(--teal-600);
  font-weight: 800;
  font-size: 1.2rem;
}

/* Comparison Table */
.table-responsive {
  width: 100%;
  overflow-x: auto;
  border-radius: var(--radius-lg);
  border: 1px solid var(--slate-200);
  box-shadow: var(--shadow-sm);
  background: var(--white);
  margin: 30px 0;
}

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
  min-width: 600px;
}

.comparison-table th {
  background-color: var(--navy-900);
  color: var(--white);
  padding: 18px 24px;
  font-size: 1rem;
  font-weight: 700;
}

.comparison-table th:first-child {
  width: 30%;
}

.comparison-table td {
  padding: 16px 24px;
  border-bottom: 1px solid var(--slate-200);
  font-size: 0.975rem;
  color: var(--slate-700);
}

.comparison-table tr:last-child td {
  border-bottom: none;
}

.comparison-table tr:nth-child(even) td {
  background-color: var(--slate-50);
}

.table-disclaimer {
  font-size: 0.85rem;
  color: var(--slate-500);
  font-style: italic;
  margin-top: 10px;
}

/* Loan Purposes Grid */
.purposes-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 24px;
}

.purpose-card {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  padding: 26px;
  transition: border-color var(--transition-fast), transform var(--transition-fast);
}
.purpose-card:hover {
  border-color: var(--teal-600);
  transform: translateY(-2px);
}

.purpose-icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-md);
  background-color: var(--slate-100);
  color: var(--navy-900);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  margin-bottom: 16px;
}

/* Checklist / Responsible Borrowing */
.checklist-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 16px;
  list-style: none;
  margin: 30px 0;
}

.checklist-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  background-color: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-md);
  padding: 18px 20px;
}

.check-icon {
  flex-shrink: 0;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background-color: var(--teal-100);
  color: var(--teal-800);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 0.8rem;
  margin-top: 2px;
}

/* FAQ Accordion */
.faq-container {
  max-width: 860px;
  margin: 0 auto;
}

.faq-item {
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-md);
  margin-bottom: 14px;
  background: var(--white);
  overflow: hidden;
  transition: border-color var(--transition-fast);
}

.faq-item.active {
  border-color: var(--teal-600);
}

.faq-question {
  width: 100%;
  text-align: left;
  padding: 20px 24px;
  background: none;
  border: none;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--navy-900);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
}

.faq-icon {
  flex-shrink: 0;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background-color: var(--slate-100);
  color: var(--navy-900);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  transition: transform var(--transition-fast), background-color var(--transition-fast);
}

.faq-item.active .faq-icon {
  transform: rotate(45deg);
  background-color: var(--teal-100);
  color: var(--teal-800);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease-out;
  padding: 0 24px;
}

.faq-answer-inner {
  padding-bottom: 22px;
  color: var(--slate-700);
  font-size: 0.985rem;
  line-height: 1.65;
}

/* Forms (Pre-Qualification Demo Form) */
.form-card {
  max-width: 1045px;
  margin: 0 auto;
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-xl);
  padding: 20px;
  box-shadow: var(--shadow-lg);
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 24px;
}

.form-group-full {
  grid-column: 1 / -1;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.form-label {
  font-size: 0.925rem;
  font-weight: 600;
  color: var(--slate-800);
}

.form-control {
  height: 48px;
  padding: 0 16px;
  border: 1px solid var(--slate-300);
  border-radius: var(--radius-md);
  font-size: 1rem;
  color: var(--slate-900);
  background-color: var(--white);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}

.form-control:focus {
  border-color: var(--teal-600);
  box-shadow: 0 0 0 3px rgba(13, 148, 136, 0.15);
  outline: none;
}

.form-control.error {
  border-color: #DC2626;
}

.field-error-msg {
  color: #DC2626;
  font-size: 0.825rem;
  display: none;
}

.field-error-msg.visible {
  display: block;
}

.form-consent-box {
  background-color: var(--slate-50);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-md);
  padding: 16px;
  font-size: 0.85rem;
  color: var(--slate-600);
  margin-bottom: 24px;
  line-height: 1.5;
}

.checkbox-label {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  cursor: pointer;
}

.checkbox-label input[type="checkbox"] {
  margin-top: 3px;
  width: 18px;
  height: 18px;
  accent-color: var(--teal-600);
  cursor: pointer;
}

/* Call to Action Banner */
.cta-banner {
  background: linear-gradient(135deg, var(--navy-950), var(--navy-900));
  border-radius: var(--radius-xl);
  padding: 60px 40px;
  text-align: center;
  color: var(--white);
  box-shadow: var(--shadow-xl);
}

.cta-banner h2 {
  color: var(--white);
  font-size: clamp(1.8rem, 2.5vw + 1rem, 2.4rem);
  margin-bottom: 16px;
}

.cta-banner p {
  color: var(--slate-300);
  max-width: 640px;
  margin: 0 auto 32px auto;
  font-size: 1.1rem;
}

.cta-banner-buttons {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 16px;
}

/* Footer */
.site-footer {
  background-color: var(--navy-950);
  color: var(--slate-300);
  padding-top: 70px;
  padding-bottom: 40px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 50px;
}

.footer-brand h3 {
  color: var(--white);
  font-size: 1.4rem;
  margin-bottom: 14px;
}

.footer-brand p {
  color: var(--slate-400);
  font-size: 0.95rem;
  max-width: 320px;
  line-height: 1.6;
}

.footer-col h4 {
  color: var(--white);
  font-size: 1rem;
  margin-bottom: 18px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

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

.footer-nav a {
  color: var(--slate-300);
  font-size: 0.925rem;
  text-decoration: none;
  transition: color var(--transition-fast);
}

.footer-nav a:hover {
  color: var(--teal-500);
  text-decoration: underline;
}

.footer-disclosure-box {
  background-color: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: var(--radius-md);
  padding: 24px 28px;
  margin-bottom: 30px;
}

.disclosure-title {
  font-size: 0.85rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--slate-300);
  margin-bottom: 12px;
}

.footer-disclosure-box p,
.disclosure-text {
  font-size: 0.85rem;
  color: var(--slate-400);
  line-height: 1.7;
  max-width: 100%;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  font-size: 0.85rem;
  color: var(--slate-500);
}

/* Modal for demo submission */
.modal-overlay {
  display: none;
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: rgba(7, 16, 30, 0.75);
  backdrop-filter: blur(4px);
  z-index: 1000;
  align-items: center;
  justify-content: center;
  padding: 20px;
}
.modal-overlay.open {
  display: flex;
}

.modal-content {
  background: var(--white);
  border-radius: var(--radius-xl);
  max-width: 520px;
  width: 100%;
  padding: 36px;
  box-shadow: var(--shadow-xl);
  text-align: center;
}

.modal-icon {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background-color: var(--teal-50);
  color: var(--teal-600);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  margin: 0 auto 20px auto;
}

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}

/* Responsive Media Queries */
@media (max-width: 1024px) {
  .site-header {
    height: 70px;
  }
  .header-container {
    height: 70px;
  }
  .nav-toggle {
    display: flex;
  }
  .nav-menu {
    display: none;
    position: absolute;
    top: 70px;
    left: 0;
    right: 0;
    background-color: var(--white);
    border-bottom: 1px solid var(--slate-200);
    padding: 24px;
    box-shadow: var(--shadow-lg);
    flex-direction: column;
    gap: 18px;
  }
  .nav-menu.open {
    display: flex;
  }
  .nav-links {
    flex-direction: column;
    align-items: flex-start;
    gap: 16px;
    width: 100%;
  }
  .nav-actions {
    width: 100%;
    padding-top: 16px;
    border-top: 1px solid var(--slate-200);
  }
  .nav-actions .btn {
    width: 100%;
  }

  .hero-grid {
    grid-template-columns: 52% 48%;
    gap: 30px;
  }
  .cards-grid-3 {
    grid-template-columns: repeat(2, 1fr);
  }
  .steps-container {
    grid-template-columns: 1fr;
  }
  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 768px) {
  .site-header {
    height: 68px;
  }
  .header-container {
    height: 68px;
  }
  .nav-menu {
    top: 68px;
  }

  /* Mobile hero requirement: CONTENT first, CTA, then IMAGE */
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 36px;
  }
  .hero-content {
    padding-right: 0;
  }
  .hero-h1 {
    font-size: 2.15rem;
  }
  .hero-trust-list {
    grid-template-columns: 1fr;
  }
  .estimator-controls-grid {
    grid-template-columns: 1fr;
    gap: 24px;
  }
  .cards-grid-3 {
    grid-template-columns: 1fr;
  }
  .form-grid {
    grid-template-columns: 1fr;
  }
  .footer-grid {
    grid-template-columns: 1fr;
    gap: 30px;
  }
  .footer-bottom {
    flex-direction: column;
    text-align: center;
  }
}