/* PennyPilot Design System - Complete Implementation */

@import url('https://fonts.googleapis.com/css2?family=Fraunces:ital,opsz,wght@0,9..144,300;0,9..144,400;0,9..144,500;0,9..144,600;0,9..144,700;0,9..144,800;1,9..144,400;1,9..144,500;1,9..144,600&family=Inter:wght@300;400;500;600;700;800&display=swap');

:root {
  /* Brand Colors */
  --primary-green: #006c3b;
  --deep-forest: #08321f;
  --text-charcoal: #14231c;
  --muted-text: #3a4b43;
  --cream-canvas: #fbfaf6;
  --soft-sand: #f6f4ec;
  --mint-wash: #e8f5ec;
  --highlight-mint: #b7f0c9;
  
  /* Category Pastels */
  --emerald-50: #ecfdf5;
  --amber-50: #fffbeb;
  --sky-50: #f0f9ff;
  --rose-50: #fff1f2;
  --violet-50: #faf5ff;
  --orange-50: #fff7ed;
  
  /* Credit Card Gradients */
  --card-blue: linear-gradient(135deg, #1d4ed8 0%, #1e3a8a 100%);
  --card-red: linear-gradient(135deg, #b91c1c 0%, #881337 100%);
  --card-slate: linear-gradient(135deg, #1e293b 0%, #0a0a0a 100%);
  --card-orange: linear-gradient(135deg, #ea580c 0%, #d97706 100%);
  
  /* Typography Scale */
  --font-serif: 'Fraunces', Georgia, serif;
  --font-sans: 'Inter', -apple-system, sans-serif;
  
  /* Spacing */
  --section-gap: 80px;
  --container-max: 1280px;
  --header-height: 64px;
  
  /* Shadows */
  --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
  --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.1);
  --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1);
  --shadow-xl: 0 20px 25px -5px rgba(0, 0, 0, 0.1);
  --shadow-2xl: 0 40px 100px -30px rgba(8, 50, 31, 0.35);
  
  /* Radii */
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 16px;
  --radius-xl: 22px;
  --radius-2xl: 28px;
  --radius-full: 9999px;
  
  /* Transitions */
  --transition-fast: 150ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-base: 350ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-slow: 700ms cubic-bezier(0.4, 0, 0.2, 1);
}

/* Selection Color */
::selection {
  background: var(--highlight-mint);
  color: var(--deep-forest);
}

/* Custom Scrollbar */
::-webkit-scrollbar {
  width: 12px;
  height: 12px;
}

::-webkit-scrollbar-track {
  background: var(--cream-canvas);
}

::-webkit-scrollbar-thumb {
  background: var(--deep-forest);
  border-radius: var(--radius-full);
  border: 2px solid var(--cream-canvas);
}

::-webkit-scrollbar-thumb:hover {
  background: var(--primary-green);
}

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

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.6;
  color: var(--text-charcoal);
  background: var(--cream-canvas);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

/* Typography */
.font-serif-display {
  font-family: var(--font-serif);
  font-optical-sizing: auto;
  letter-spacing: -0.02em;
}

h1, h2, h3, h4 {
  font-family: var(--font-serif);
  font-weight: 600;
  letter-spacing: -0.02em;
  line-height: 1.2;
}

h1 {
  font-size: clamp(42px, 6vw, 72px);
}

h2 {
  font-size: clamp(36px, 5vw, 48px);
}

h3 {
  font-size: clamp(20px, 3vw, 24px);
}

p {
  font-size: 15px;
  line-height: 1.7;
}

/* Container */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 1rem;
}

@media (min-width: 640px) {
  .container {
    padding: 0 1.5rem;
  }
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: 14px;
  padding: 0.75rem 1.5rem;
  border-radius: var(--radius-full);
  border: none;
  cursor: pointer;
  transition: all var(--transition-fast);
  text-decoration: none;
  white-space: nowrap;
}

.btn-primary {
  background: var(--primary-green);
  color: white;
}

.btn-primary:hover {
  background: var(--deep-forest);
  transform: translateY(-1px);
}

.btn-outline {
  background: transparent;
  color: var(--text-charcoal);
  border: 2px solid currentColor;
}

.btn-outline:hover {
  color: var(--primary-green);
  border-color: var(--primary-green);
}

.btn-ghost {
  background: transparent;
  color: var(--text-charcoal);
}

.btn-ghost:hover {
  color: var(--primary-green);
  background: var(--mint-wash);
}

/* Links */
a {
  color: var(--primary-green);
  text-decoration: none;
  transition: color var(--transition-fast);
}

a:hover {
  color: var(--deep-forest);
}

/* Kicker / Eyebrow */
.kicker {
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--primary-green);
}

/* Card Lift Animation */
.card-lift {
  transition: transform var(--transition-base), box-shadow var(--transition-base);
}

.card-lift:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-2xl);
}

/* Fade Up Animation */
@keyframes fadeUp {
  from {
    opacity: 0;
    transform: translateY(20px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.fade-up {
  animation: fadeUp var(--transition-slow) ease-out;
}

/* Underline Grow Animation */
.underline-grow {
  position: relative;
}

.underline-grow::after {
  content: '';
  position: absolute;
  bottom: -2px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--primary-green);
  transition: width var(--transition-base);
}

.underline-grow:hover::after {
  width: 100%;
}

/* Marquee Animation */
@keyframes marqueeX {
  0% {
    transform: translateX(0);
  }
  100% {
    transform: translateX(-50%);
  }
}

.marquee-track {
  animation: marqueeX 40s linear infinite;
}

/* Image Zoom */
.image-zoom {
  overflow: hidden;
}

.image-zoom img {
  transition: transform 900ms cubic-bezier(0.4, 0, 0.2, 1);
}

.image-zoom:hover img {
  transform: scale(1.05);
}

/* Grain Texture Overlay */
.grain-overlay {
  position: relative;
}

.grain-overlay::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 400 400' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='noiseFilter'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23noiseFilter)'/%3E%3C/svg%3E");
  opacity: 0.03;
  pointer-events: none;
}

/* Skip Link */
.skip-link {
  position: absolute;
  top: -100%;
  left: 1rem;
  background: var(--primary-green);
  color: white;
  padding: 0.5rem 1rem;
  border-radius: var(--radius-md);
  z-index: 9999;
  transition: top var(--transition-fast);
}

.skip-link:focus {
  top: 1rem;
}

/* Responsive Utilities */
@media (max-width: 1023px) {
  .desktop-only {
    display: none;
  }
}

@media (min-width: 1024px) {
  .mobile-only {
    display: none;
  }
}

/* Focus States */
*:focus-visible {
  outline: 2px solid var(--primary-green);
  outline-offset: 2px;
}

/* Reduced Motion */
@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}
/* PennyPilot - Credit Card Showcase */

.cards-showcase {
  padding: var(--section-gap) 0;
  background: var(--cream-canvas);
}

.cards-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: 1.5rem;
}

@media (min-width: 640px) {
  .cards-grid {
    grid-template-columns: repeat(auto-fit, minmax(20rem, 22rem));
    justify-content: center;
  }
}

/* Card Product Item */
.card-product {
  position: relative;
  border-radius: var(--radius-xl);
  background: white;
  padding: 1.5rem;
  box-shadow: var(--shadow-md);
  transition: all var(--transition-base);
}

.card-product:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-2xl);
}

/* Ribbon */
.card-ribbon {
  position: absolute;
  top: 1rem;
  right: 1rem;
  padding: 0.375rem 0.75rem;
  background: var(--primary-green);
  color: white;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  border-radius: var(--radius-sm);
  z-index: 2;
}

/* Credit Card Mock */
.credit-card-image-frame {
  width: 100%;
  aspect-ratio: 1.586 / 1;
  margin-bottom: 1rem;
  display: grid;
  place-items: center;
  border-radius: 1.125rem;
  background:
    radial-gradient(circle at 18% 12%, rgba(255, 255, 255, 0.86), transparent 36%),
    linear-gradient(145deg, rgba(20, 35, 28, 0.05), rgba(20, 35, 28, 0.01));
  overflow: visible;
}

.credit-card-image-frame img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: contain;
  border-radius: 0.72rem;
  filter: drop-shadow(0 1rem 1.35rem rgba(20, 35, 28, 0.18));
}

.credit-card-mock {
  width: 100%;
  aspect-ratio: 1.586 / 1;
  border-radius: 1.125rem;
  padding: clamp(0.85rem, 3vw, 1rem);
  margin-bottom: 1rem;
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  gap: 0.42rem;
  box-shadow:
    0 1.25rem 2.75rem rgba(23, 39, 28, 0.18),
    inset 0 1px 0 rgba(255, 255, 255, 0.35),
    inset 0 -2.25rem 4.5rem rgba(0, 0, 0, 0.22);
  isolation: isolate;
  transform: translateZ(0);
}

.credit-card-mock::before,
.credit-card-mock::after {
  content: '';
  position: absolute;
  pointer-events: none;
  z-index: -1;
}

.credit-card-mock::before {
  inset: 0;
  background:
    linear-gradient(115deg, transparent 0 35%, rgba(255, 255, 255, 0.34) 42%, transparent 49%),
    radial-gradient(circle at 18% 12%, rgba(255, 255, 255, 0.28), transparent 26%),
    repeating-linear-gradient(90deg, rgba(255, 255, 255, 0.045) 0 1px, transparent 1px 9px);
  mix-blend-mode: screen;
  opacity: 0.92;
}

.credit-card-mock::after {
  inset: 0;
  border-radius: inherit;
  background:
    linear-gradient(180deg, rgba(255, 255, 255, 0.28), transparent 18%),
    radial-gradient(circle at 92% 82%, rgba(255, 255, 255, 0.2), transparent 24%),
    linear-gradient(135deg, rgba(255, 255, 255, 0.16), transparent 42%, rgba(0, 0, 0, 0.14));
  box-shadow: inset 0 0 0 1px rgba(255, 255, 255, 0.22);
}

.card-mock-blue {
  background: var(--card-blue);
}

.card-mock-red {
  background: var(--card-red);
}

.card-mock-slate {
  background: var(--card-slate);
}

.card-mock-orange {
  background: var(--card-orange);
}

.card-mock-sapphire {
  background:
    radial-gradient(circle at 88% 22%, rgba(63, 136, 226, 0.62), transparent 22%),
    linear-gradient(142deg, #07142d 0%, #09285f 34%, #1456a7 58%, #071326 100%);
}

.card-mock-freedom {
  background:
    linear-gradient(132deg, #f7fafc 0%, #d2d9e3 31%, #ffffff 47%, transparent 48%),
    linear-gradient(132deg, transparent 0 47%, #185fa8 48%, #1b7d97 68%, #0a9b69 100%);
}

.card-mock-citi {
  background:
    radial-gradient(circle at 88% 88%, rgba(255, 255, 255, 0.2), transparent 30%),
    linear-gradient(135deg, #08275d 0%, #075b99 48%, #12a4c8 100%);
}

.card-mock-savor {
  background:
    radial-gradient(circle at 76% 34%, rgba(255, 188, 87, 0.42), transparent 22%),
    linear-gradient(135deg, #35130d 0%, #91361b 39%, #d6782d 70%, #522014 100%);
}

.card-mock-venture {
  background:
    linear-gradient(145deg, #f0f4f8 0%, #c8d1de 31%, #8da2bb 52%, #365f91 76%, #15385f 100%);
}

.card-mock-active-cash {
  background:
    radial-gradient(circle at 85% 22%, rgba(255, 235, 196, 0.24), transparent 24%),
    linear-gradient(135deg, #651016 0%, #a91728 43%, #de3342 68%, #6f1017 100%);
}

.card-mock-sapphire .card-art-brand {
  align-items: flex-start;
}

.card-mock-sapphire .card-product-line {
  font-family: Georgia, 'Times New Roman', serif;
  font-size: clamp(1rem, 4.1vw, 1.45rem);
  letter-spacing: 0.01em;
  text-shadow: 0 0.125rem 0.875rem rgba(0, 0, 0, 0.24);
}

.card-mock-freedom::before {
  background:
    linear-gradient(116deg, transparent 0 31%, rgba(255, 255, 255, 0.68) 41%, transparent 51%),
    radial-gradient(circle at 78% 78%, rgba(16, 160, 113, 0.26), transparent 28%);
  opacity: 0.82;
}

.card-mock-freedom .card-bank-mark,
.card-mock-freedom .card-product-line,
.card-mock-freedom .card-network-mark,
.card-mock-venture .card-bank-mark,
.card-mock-venture .card-product-line,
.card-mock-venture .card-network-mark {
  color: rgba(18, 34, 28, 0.88);
  text-shadow: 0 1px 0 rgba(255, 255, 255, 0.35);
}

.card-mock-freedom .card-product-line {
  color: #0b7c66;
}

.card-mock-citi .card-bank-mark {
  text-transform: lowercase;
  font-size: clamp(1.35rem, 5.2vw, 1.8rem);
}

.card-mock-citi .card-bank-mark::after {
  content: '';
  position: absolute;
  left: 0.08em;
  top: -0.08em;
  width: 1.1em;
  height: 0.55em;
  border-top: 0.16em solid #e5313e;
  border-radius: 50% 50% 0 0;
}

.card-mock-savor .card-product-line {
  font-size: clamp(1.25rem, 4.5vw, 1.7rem);
  font-weight: 800;
}

.card-mock-venture::before {
  background:
    linear-gradient(112deg, transparent 0 34%, rgba(255, 255, 255, 0.5) 44%, transparent 52%),
    repeating-linear-gradient(0deg, rgba(255, 255, 255, 0.12) 0 1px, transparent 1px 7px);
  opacity: 0.8;
}

.card-mock-active-cash .card-bank-mark {
  font-family: Georgia, 'Times New Roman', serif;
  padding: 0.2rem 0.45rem;
  background: rgba(255, 213, 128, 0.16);
  border: 1px solid rgba(255, 229, 161, 0.34);
  border-radius: 0.25rem;
  width: max-content;
}

.card-mock-freedom .card-mock-number,
.card-mock-freedom .card-mock-badge,
.card-mock-venture .card-mock-number,
.card-mock-venture .card-mock-badge {
  color: rgba(20, 35, 28, 0.86);
}

.card-mock-freedom .card-mock-badge,
.card-mock-venture .card-mock-badge {
  background: rgba(255, 255, 255, 0.54);
}

.card-art-top,
.card-art-bottom {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 0.75rem;
}

.card-art-bottom {
  align-items: flex-end;
}

.card-art-bottom > div:first-child {
  min-width: 0;
}

.card-art-brand {
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  gap: 0.28rem;
  min-width: 0;
}

.card-bank-mark,
.card-product-line,
.card-network-mark {
  color: rgba(255, 255, 255, 0.92);
}

.card-bank-mark {
  position: relative;
  width: max-content;
  max-width: 100%;
  font-size: clamp(0.74rem, 2.8vw, 0.9rem);
  font-weight: 800;
  letter-spacing: 0.08em;
  line-height: 1;
  text-transform: uppercase;
}

.card-product-line {
  max-width: 12rem;
  font-size: clamp(0.98rem, 3.7vw, 1.36rem);
  font-weight: 750;
  line-height: 0.95;
  letter-spacing: 0;
}

.card-mock-chip {
  width: clamp(2rem, 7vw, 2.45rem);
  height: clamp(1.42rem, 5.2vw, 1.72rem);
  position: relative;
  background:
    linear-gradient(90deg, transparent 0 28%, rgba(94, 76, 44, 0.28) 29% 31%, transparent 32% 68%, rgba(94, 76, 44, 0.28) 69% 71%, transparent 72%),
    linear-gradient(0deg, transparent 0 31%, rgba(94, 76, 44, 0.22) 32% 34%, transparent 35% 65%, rgba(94, 76, 44, 0.22) 66% 68%, transparent 69%),
    linear-gradient(135deg, #b3914c 0%, #ead89d 27%, #9d7a35 52%, #f0dfae 75%, #8b6a2f 100%);
  border: 1px solid rgba(72, 55, 30, 0.36);
  border-radius: 0.28rem;
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.48),
    inset 0 -1px 0 rgba(56, 40, 18, 0.32),
    0 0.18rem 0.35rem rgba(0, 0, 0, 0.16);
}

.card-mock-chip::before,
.card-mock-chip::after {
  content: '';
  position: absolute;
  inset: 0.28rem 0.34rem;
  border: 1px solid rgba(79, 60, 31, 0.34);
  border-radius: 0.16rem;
  pointer-events: none;
}

.card-mock-chip::after {
  inset: 0.48rem 0.58rem;
  border-color: rgba(255, 248, 213, 0.32);
}

.card-contactless {
  display: flex;
  align-items: center;
  gap: 0.12rem;
  margin-top: 0.1rem;
  opacity: 0.72;
}

.card-contactless span {
  display: block;
  width: 0.36rem;
  height: 0.7rem;
  border-right: 1.5px solid currentColor;
  border-radius: 50%;
  color: rgba(255, 255, 255, 0.88);
}

.card-mock-freedom .card-contactless span,
.card-mock-venture .card-contactless span {
  color: rgba(18, 34, 28, 0.7);
}

.card-mock-number {
  font-family: 'Courier New', monospace;
  font-size: clamp(0.64rem, 2.5vw, 0.8rem);
  font-weight: 600;
  color: rgba(255, 255, 255, 0.9);
  letter-spacing: 0.12em;
  line-height: 1;
  margin-bottom: 0.36rem;
  white-space: nowrap;
}

.card-mock-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.25rem;
  max-width: 10rem;
  padding: 0.24rem 0.46rem;
  background: rgba(255, 255, 255, 0.2);
  backdrop-filter: blur(8px);
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 0.42rem;
  font-size: clamp(0.55rem, 2vw, 0.64rem);
  font-weight: 700;
  color: white;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  line-height: 1.1;
}

.card-network-mark {
  flex: 0 0 auto;
  max-width: 4.9rem;
  padding: 0.32rem 0.42rem;
  border-radius: 0.5rem;
  background: rgba(255, 255, 255, 0.16);
  border: 1px solid rgba(255, 255, 255, 0.18);
  backdrop-filter: blur(10px);
  font-size: clamp(0.5rem, 1.75vw, 0.62rem);
  font-weight: 800;
  letter-spacing: 0.03em;
  line-height: 1.05;
  text-align: right;
  text-transform: uppercase;
}

.card-mock-freedom .card-network-mark,
.card-mock-venture .card-network-mark {
  background: rgba(255, 255, 255, 0.56);
  border-color: rgba(255, 255, 255, 0.46);
}

.card-mock-citi .card-network-mark,
.card-mock-savor .card-network-mark {
  position: relative;
  min-height: 2.15rem;
  color: transparent;
}

.card-mock-citi .card-network-mark::before,
.card-mock-savor .card-network-mark::before,
.card-mock-citi .card-network-mark::after,
.card-mock-savor .card-network-mark::after {
  content: '';
  position: absolute;
  top: 50%;
  width: 1.18rem;
  height: 1.18rem;
  border-radius: 999px;
  transform: translateY(-50%);
}

.card-mock-citi .card-network-mark::before,
.card-mock-savor .card-network-mark::before {
  left: 0.52rem;
  background: rgba(236, 29, 37, 0.82);
}

.card-mock-citi .card-network-mark::after,
.card-mock-savor .card-network-mark::after {
  right: 0.52rem;
  background: rgba(246, 156, 26, 0.82);
  mix-blend-mode: screen;
}

/* Card Info */
.card-rating {
  display: flex;
  align-items: center;
  gap: 0.375rem;
  margin-bottom: 0.75rem;
}

.card-rating-stars {
  display: flex;
  gap: 0.125rem;
}

.rating-star {
  display: inline-block;
  position: relative;
  width: 14px;
  height: 14px;
  flex: 0 0 14px;
}

.rating-star svg {
  display: block;
  width: 14px;
  height: 14px;
}

.rating-star-base {
  color: rgba(251, 191, 36, 0.25);
  fill: rgba(251, 191, 36, 0.25);
}

.rating-star-fill {
  position: absolute;
  inset: 0;
  width: var(--star-fill);
  overflow: hidden;
  color: #fbbf24;
  fill: #fbbf24;
}

.card-rating-value {
  font-size: 13px;
  font-weight: 600;
  color: var(--text-charcoal);
}

.card-name {
  font-family: var(--font-serif);
  font-size: 18px;
  font-weight: 600;
  color: var(--text-charcoal);
  margin-bottom: 0.75rem;
  line-height: 1.3;
}

.card-kpi-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0.5rem;
  margin-bottom: 1rem;
}

.card-kpi {
  padding: 0.5rem;
  background: var(--soft-sand);
  border-radius: var(--radius-sm);
}

.card-kpi-label {
  font-size: 11px;
  font-weight: 500;
  color: var(--muted-text);
  margin-bottom: 0.125rem;
}

.card-kpi-value {
  font-size: 13px;
  font-weight: 600;
  color: var(--text-charcoal);
}

/* Card Actions */
.card-actions {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.card-actions .btn {
  width: 100%;
  justify-content: center;
}

.card-read-review {
  font-size: 13px;
  font-weight: 500;
  color: var(--muted-text);
  text-align: center;
}

.card-read-review:hover {
  color: var(--primary-green);
}
/* PennyPilot - Category Grid */

.categories-section {
  padding: var(--section-gap) 0;
  background: var(--cream-canvas);
}

.section-header {
  max-width: 640px;
  margin-bottom: 3rem;
}

.section-kicker {
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--primary-green);
  margin-bottom: 0.75rem;
}

.section-title {
  font-family: var(--font-serif);
  font-size: clamp(32px, 4vw, 40px);
  font-weight: 600;
  line-height: 1.2;
  color: var(--text-charcoal);
  margin-bottom: 1rem;
}

.section-description {
  font-size: 16px;
  line-height: 1.7;
  color: var(--muted-text);
}

/* Category Grid */
.categories-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}

@media (min-width: 640px) {
  .categories-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .categories-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

/* Category Card */
.category-card {
  position: relative;
  padding: 1.75rem;
  border-radius: var(--radius-xl);
  background: var(--soft-sand);
  transition: all var(--transition-base);
  cursor: pointer;
  text-decoration: none;
  display: block;
}

.category-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-2xl);
}

/* Category-specific backgrounds */
.category-card-emerald {
  background: var(--emerald-50);
}

.category-card-amber {
  background: var(--amber-50);
}

.category-card-sky {
  background: var(--sky-50);
}

.category-card-rose {
  background: var(--rose-50);
}

.category-card-violet {
  background: var(--violet-50);
}

.category-card-orange {
  background: var(--orange-50);
}

/* Card Icons */
.category-icon-wrapper {
  width: 44px;
  height: 44px;
  background: white;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
  box-shadow: var(--shadow-sm);
}

.category-icon-wrapper svg {
  width: 24px;
  height: 24px;
  color: var(--primary-green);
}

.category-arrow {
  position: absolute;
  top: 1.75rem;
  right: 1.75rem;
  width: 20px;
  height: 20px;
  color: var(--primary-green);
  opacity: 0;
  transform: translate(-4px, 4px);
  transition: all var(--transition-base);
}

.category-card:hover .category-arrow {
  opacity: 1;
  transform: translate(0, 0);
}

/* Card Title & Description */
.category-title {
  font-family: var(--font-serif);
  font-size: 22px;
  font-weight: 600;
  color: var(--text-charcoal);
  margin-bottom: 0.5rem;
}

.category-description {
  font-size: 15px;
  line-height: 1.6;
  color: var(--muted-text);
}

/* Press Strip */
.press-strip {
  padding: 2rem 0;
  overflow: hidden;
  position: relative;
}

.press-strip::before,
.press-strip::after {
  content: '';
  position: absolute;
  top: 0;
  bottom: 0;
  width: 100px;
  z-index: 2;
  pointer-events: none;
}

.press-strip::before {
  left: 0;
  background: linear-gradient(to right, var(--cream-canvas), transparent);
}

.press-strip::after {
  right: 0;
  background: linear-gradient(to left, var(--cream-canvas), transparent);
}

.press-track {
  display: flex;
  gap: 4rem;
  animation: marqueeX 40s linear infinite;
}

.press-item {
  flex-shrink: 0;
  font-family: var(--font-serif);
  font-size: 28px;
  font-weight: 500;
  color: var(--text-charcoal);
  opacity: 0.3;
}
/* PennyPilot - Footer */

.site-footer {
  background: var(--deep-forest);
  padding: 4rem 0 2rem;
  margin-top: 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
  margin-bottom: 3rem;
}

@media (min-width: 768px) {
  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .footer-grid {
    grid-template-columns: 2fr repeat(5, 1fr);
    gap: 2rem;
  }
}

/* Brand Column */
.footer-brand {
  max-width: 280px;
}

.footer-brand .brand {
  margin-bottom: 1rem;
  color: white;
}

.footer-brand .brand:hover {
  color: var(--highlight-mint);
}

.footer-brand .brand-mark {
  background: var(--primary-green);
}

.footer-description {
  font-size: 14px;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.6);
  margin-bottom: 1.5rem;
}

/* Social Icons */
.footer-social {
  display: flex;
  gap: 0.75rem;
}

.social-icon {
  width: 36px;
  height: 36px;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 1.5px solid rgba(255, 255, 255, 0.3);
  border-radius: 50%;
  color: rgba(255, 255, 255, 0.6);
  transition: all var(--transition-fast);
}

.social-icon:hover {
  background: white;
  border-color: white;
  color: var(--deep-forest);
}

.social-icon svg {
  width: 18px;
  height: 18px;
}

/* Link Columns */
.footer-column h4 {
  font-family: var(--font-sans);
  font-size: 14px;
  font-weight: 600;
  color: white;
  margin-bottom: 1rem;
}

.footer-links {
  list-style: none;
}

.footer-links li {
  margin-bottom: 0.5rem;
}

.footer-links a {
  font-size: 14px;
  color: rgba(255, 255, 255, 0.6);
  transition: color var(--transition-fast);
}

.footer-links a:hover {
  color: white;
}

/* Footer Bottom */
.footer-bottom {
  padding-top: 2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  display: flex;
  flex-direction: column;
  gap: 1rem;
  align-items: center;
}

@media (min-width: 768px) {
  .footer-bottom {
    flex-direction: row;
    justify-content: space-between;
  }
}

.footer-copyright {
  font-size: 14px;
  color: rgba(255, 255, 255, 0.5);
}

.footer-legal {
  display: flex;
  gap: 1.5rem;
  flex-wrap: wrap;
}

.footer-legal a {
  font-size: 14px;
  color: rgba(255, 255, 255, 0.5);
  transition: color var(--transition-fast);
}

.footer-legal a:hover {
  color: white;
}
/* PennyPilot - Header Component */

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  height: var(--header-height);
  background: rgba(251, 250, 246, 0.9);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid transparent;
  transition: all var(--transition-fast);
}

.site-header.scrolled {
  border-bottom-color: rgba(0, 0, 0, 0.05);
  box-shadow: var(--shadow-sm);
}

.header-content {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 1rem;
}

@media (min-width: 640px) {
  .header-content {
    padding: 0 1.5rem;
  }
}

/* Logo */
.brand {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  color: var(--text-charcoal);
  font-weight: 700;
  font-size: 18px;
  text-decoration: none;
  transition: color var(--transition-fast);
}

.brand-mark {
  width: 36px;
  height: 36px;
  background: var(--primary-green);
  border-radius: var(--radius-full);
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-family: var(--font-serif);
  font-size: 18px;
  font-weight: 600;
  font-style: italic;
}

.brand:hover {
  color: var(--primary-green);
}

/* Navigation */
.nav-primary {
  display: none;
  align-items: center;
  gap: 0.5rem;
}

@media (min-width: 1024px) {
  .nav-primary {
    display: flex;
  }
}

.nav-link {
  display: inline-flex;
  align-items: center;
  gap: 0.375rem;
  padding: 0.5rem 0.75rem;
  font-size: 14px;
  font-weight: 500;
  color: var(--text-charcoal);
  border-radius: var(--radius-md);
  transition: all var(--transition-fast);
  text-decoration: none;
}

.nav-link:hover {
  color: var(--primary-green);
  background: var(--mint-wash);
}

.nav-link svg {
  width: 14px;
  height: 14px;
  transition: transform var(--transition-fast);
}

.nav-link:hover svg {
  transform: rotate(180deg);
}

.nav-dropdown.is-open > .nav-link svg,
.nav-dropdown:focus-within > .nav-link svg {
  transform: rotate(180deg);
}

.site-search-panel {
  background: white;
  border-top: 1px solid rgba(0, 0, 0, 0.06);
  box-shadow: var(--shadow-lg);
  padding: 1rem 0 1.25rem;
}

.site-search-panel[hidden] {
  display: none;
}

.site-search-panel label {
  display: block;
  color: var(--text-charcoal);
  font-size: 13px;
  font-weight: 700;
  margin-bottom: 0.5rem;
}

.site-search-row {
  display: flex;
  gap: 0.75rem;
}

.site-search-row input {
  flex: 1;
  min-width: 0;
  border: 1px solid rgba(0, 0, 0, 0.12);
  border-radius: var(--radius-lg);
  color: var(--text-charcoal);
  font: inherit;
  padding: 0.875rem 1rem;
}

.site-search-suggestions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.625rem;
  margin-top: 0.75rem;
}

.site-search-suggestions a {
  background: var(--mint-wash);
  border-radius: var(--radius-full);
  color: var(--text-charcoal);
  font-size: 13px;
  font-weight: 600;
  padding: 0.45rem 0.75rem;
}

@media (max-width: 1023px) {
  .site-header {
    position: sticky;
  }

  .nav-primary.is-open {
    align-items: stretch;
    background: white;
    border: 1px solid rgba(0, 0, 0, 0.08);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-2xl);
    display: flex;
    flex-direction: column;
    gap: 0.25rem;
    left: 1rem;
    padding: 0.75rem;
    position: absolute;
    right: 1rem;
    top: calc(100% + 0.5rem);
    z-index: 300;
  }

  .nav-primary.is-open .nav-link {
    justify-content: space-between;
    min-height: 44px;
    width: 100%;
  }

  .nav-primary.is-open .nav-dropdown-menu {
    background: var(--mint-wash);
    border-radius: var(--radius-lg);
    box-shadow: none;
    display: none;
    margin: 0.25rem 0 0.5rem;
    min-width: 0;
    opacity: 1;
    padding: 0.25rem 0;
    position: static;
    transform: none;
    visibility: visible;
  }

  .nav-primary.is-open .nav-dropdown.is-open .nav-dropdown-menu {
    display: block;
  }

  .site-search-row {
    flex-direction: column;
  }
}

/* Header Actions */
.header-actions {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

/* Search */
.search-button {
  width: 36px;
  height: 36px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: transparent;
  border: none;
  border-radius: var(--radius-md);
  color: var(--text-charcoal);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.search-button:hover {
  background: var(--mint-wash);
  color: var(--primary-green);
}

.search-button svg {
  width: 20px;
  height: 20px;
}

/* User Actions */
.btn-sign-in {
  display: none;
  align-items: center;
  gap: 0.5rem;
  padding: 0.5rem 1rem;
  font-size: 14px;
  font-weight: 500;
  color: var(--text-charcoal);
  background: transparent;
  border: none;
  border-radius: var(--radius-full);
  cursor: pointer;
  transition: all var(--transition-fast);
}

@media (min-width: 768px) {
  .btn-sign-in {
    display: inline-flex;
  }
}

.btn-sign-in:hover {
  background: var(--mint-wash);
  color: var(--primary-green);
}

.btn-sign-in svg {
  width: 18px;
  height: 18px;
}

.btn-join {
  display: none;
  padding: 0.625rem 1.25rem;
  font-size: 14px;
  font-weight: 600;
  color: white;
  background: var(--primary-green);
  border: none;
  border-radius: var(--radius-full);
  cursor: pointer;
  transition: all var(--transition-fast);
}

@media (min-width: 768px) {
  .btn-join {
    display: inline-block;
  }
}

.btn-join:hover {
  background: var(--deep-forest);
}

/* Mobile Menu */
.mobile-menu-button {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  background: transparent;
  border: none;
  border-radius: var(--radius-md);
  color: var(--text-charcoal);
  cursor: pointer;
  transition: all var(--transition-fast);
}

@media (min-width: 1024px) {
  .mobile-menu-button {
    display: none;
  }
}

.mobile-menu-button:hover {
  background: var(--mint-wash);
  color: var(--primary-green);
}

.mobile-menu-button svg {
  width: 24px;
  height: 24px;
}

/* Mega Menu */
.mega-menu {
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%);
  width: 960px;
  max-width: 92vw;
  background: white;
  border-radius: var(--radius-xl);
  border: 1px solid rgba(0, 0, 0, 0.05);
  box-shadow: var(--shadow-2xl);
  padding: 1.5rem;
  opacity: 0;
  visibility: hidden;
  transition: all var(--transition-base);
  z-index: 100;
}

.nav-item:hover .mega-menu {
  opacity: 1;
  visibility: visible;
}

.mega-menu-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.mega-menu-column h4 {
  font-family: var(--font-sans);
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--primary-green);
  margin-bottom: 0.75rem;
}

.mega-menu-column a {
  display: block;
  padding: 0.375rem 0;
  font-size: 14px;
  color: var(--text-charcoal);
  transition: color var(--transition-fast);
}

.mega-menu-column a:hover {
  color: var(--primary-green);
}

.mega-menu-footer {
  margin-top: 1.5rem;
  padding-top: 1rem;
  border-top: 1px solid rgba(0, 0, 0, 0.05);
}

.mega-menu-footer a {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 14px;
  font-weight: 600;
  color: var(--primary-green);
}

.mega-menu-footer a:hover {
  color: var(--deep-forest);
}

.mega-menu-footer svg {
  width: 16px;
  height: 16px;
}
/* PennyPilot - Hero Section */

.hero {
  position: relative;
  padding: 3rem 0 4rem;
  overflow: hidden;
}

@media (min-width: 1024px) {
  .hero {
    padding: 5rem 0 6rem;
  }
}

/* Decorative Blobs */
.hero::before,
.hero::after {
  content: '';
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  opacity: 0.6;
  pointer-events: none;
}

.hero::before {
  top: -100px;
  right: -100px;
  width: 500px;
  height: 500px;
  background: var(--primary-green);
}

.hero::after {
  bottom: -150px;
  left: -150px;
  width: 600px;
  height: 600px;
  background: #fbbf24;
  opacity: 0.3;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 3rem;
  position: relative;
  z-index: 1;
}

@media (min-width: 1024px) {
  .hero-grid {
    grid-template-columns: 7fr 5fr;
    gap: 4rem;
    align-items: center;
  }
}

/* Hero Content */
.hero-content {
  max-width: 100%;
}

@media (min-width: 1024px) {
  .hero-content {
    max-width: 640px;
  }
}

/* Badge */
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.5rem 1rem;
  background: white;
  border-radius: var(--radius-full);
  font-size: 13px;
  font-weight: 600;
  color: var(--text-charcoal);
  margin-bottom: 1.5rem;
  box-shadow: var(--shadow-md);
}

.hero-badge svg {
  width: 16px;
  height: 16px;
  color: var(--primary-green);
}

/* Headline */
.hero-headline {
  font-family: var(--font-serif);
  font-size: clamp(36px, 5vw, 56px);
  font-weight: 600;
  line-height: 1.1;
  letter-spacing: -0.02em;
  color: var(--text-charcoal);
  margin-bottom: 1.5rem;
}

@media (min-width: 1024px) {
  .hero-headline {
    font-size: clamp(42px, 6vw, 72px);
  }
}

.hero-headline em {
  font-style: italic;
  color: var(--primary-green);
}

/* Description */
.hero-description {
  font-size: 17px;
  line-height: 1.7;
  color: var(--muted-text);
  margin-bottom: 2rem;
  max-width: 520px;
}

@media (min-width: 1024px) {
  .hero-description {
    font-size: 18px;
  }
}

/* CTAs */
.hero-ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-bottom: 3rem;
}

/* Stats */
.hero-stats {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
}

@media (min-width: 640px) {
  .hero-stats {
    grid-template-columns: repeat(4, 1fr);
  }
}

.stat-item {
  text-align: left;
}

.stat-number {
  font-family: var(--font-serif);
  font-size: 32px;
  font-weight: 600;
  line-height: 1;
  color: var(--text-charcoal);
  margin-bottom: 0.25rem;
}

@media (min-width: 1024px) {
  .stat-number {
    font-size: 40px;
  }
}

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

/* Hero Visual */
.hero-visual {
  position: relative;
  display: none;
}

@media (min-width: 1024px) {
  .hero-visual {
    display: block;
  }
}

.hero-image-wrapper {
  position: relative;
  border-radius: var(--radius-2xl);
  overflow: hidden;
  box-shadow: var(--shadow-2xl);
}

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

/* Floating Cards */
.floating-card {
  position: absolute;
  background: white;
  border-radius: var(--radius-lg);
  padding: 1rem 1.25rem;
  box-shadow: var(--shadow-xl);
  z-index: 2;
}

.floating-card-1 {
  bottom: -20px;
  left: -40px;
}

.floating-card-2 {
  top: 20px;
  right: -30px;
}

.floating-card-title {
  font-family: var(--font-serif);
  font-size: 14px;
  font-weight: 600;
  color: var(--text-charcoal);
  margin-bottom: 0.25rem;
}

.floating-card-value {
  font-size: 13px;
  color: var(--muted-text);
}

.floating-card-stars {
  display: flex;
  gap: 0.125rem;
  margin-bottom: 0.5rem;
}

.floating-card-stars svg {
  width: 14px;
  height: 14px;
  color: #fbbf24;
  fill: #fbbf24;
}
/* PennyPilot - Dark Tools Section */

.tools-section {
  position: relative;
  padding: var(--section-gap) 0;
  background: var(--deep-forest);
  overflow: hidden;
}

/* Grain Overlay */
.tools-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 400 400' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='noiseFilter'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23noiseFilter)'/%3E%3C/svg%3E");
  opacity: 0.03;
  pointer-events: none;
}

/* Decorative Orb */
.tools-section::after {
  content: '';
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(0, 108, 59, 0.3) 0%, transparent 70%);
  border-radius: 50%;
  filter: blur(80px);
  pointer-events: none;
}

.tools-section-header {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 3rem;
  position: relative;
  z-index: 1;
}

.tools-section .section-kicker {
  color: var(--highlight-mint);
}

.tools-section .section-title {
  color: white;
}

.tools-section .section-description {
  color: rgba(255, 255, 255, 0.7);
}

/* Tools Grid */
.tools-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
  position: relative;
  z-index: 1;
}

@media (min-width: 768px) {
  .tools-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .tools-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

/* Tool Card */
.tool-card {
  position: relative;
  padding: 1.75rem;
  background: rgba(255, 255, 255, 0.05);
  backdrop-filter: blur(8px);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--radius-xl);
  transition: all var(--transition-base);
  cursor: pointer;
  text-decoration: none;
  display: block;
}

.tool-card:hover {
  background: white;
  transform: translateY(-4px);
}

.tool-card:hover .tool-icon {
  color: var(--primary-green);
  background: var(--mint-wash);
}

.tool-card:hover .tool-title {
  color: var(--text-charcoal);
}

.tool-card:hover .tool-description {
  color: var(--muted-text);
}

.tool-card:hover .tool-cta {
  opacity: 1;
}

.loan-offer-card {
  background:
    radial-gradient(circle at 12% 10%, rgba(255, 215, 128, 0.18), transparent 28%),
    linear-gradient(145deg, #0f2f24 0%, #174938 52%, #10251f 100%);
  border-color: rgba(255, 255, 255, 0.14);
  box-shadow: var(--shadow-lg);
}

.loan-offer-card:hover {
  background:
    radial-gradient(circle at 12% 10%, rgba(255, 215, 128, 0.24), transparent 30%),
    linear-gradient(145deg, #123629 0%, #1e5a44 52%, #123026 100%);
}

.loan-offer-card .tool-description {
  color: rgba(255, 255, 255, 0.78);
}

.loan-offer-card:hover .tool-title,
.loan-offer-card:hover .tool-description {
  color: white;
}

.loan-offer-card:hover .tool-icon {
  background: rgba(255, 255, 255, 0.14);
  color: white;
}

.loan-offer-card:hover .tool-icon svg {
  color: white;
}

.loan-offer-card .tool-cta,
.loan-offer-card:hover .tool-cta {
  color: #9fe6ba !important;
}

.card-selector,
.calculator-form select {
  width: 100%;
  appearance: none;
  background:
    linear-gradient(45deg, transparent 50%, var(--primary-green) 50%) right 1rem center / 7px 7px no-repeat,
    linear-gradient(135deg, var(--primary-green) 50%, transparent 50%) right 0.68rem center / 7px 7px no-repeat,
    white;
  border: 1px solid rgba(0, 0, 0, 0.12);
  border-radius: var(--radius-lg);
  color: var(--text-charcoal);
  font: inherit;
  min-height: 46px;
  padding: 0.75rem 2.5rem 0.75rem 0.875rem;
}

.card-selector:focus,
.calculator-form select:focus {
  border-color: var(--primary-green);
  box-shadow: 0 0 0 3px rgba(38, 125, 78, 0.14);
  outline: none;
}

/* Calculator Pages */
.calculator-hero {
  background:
    linear-gradient(90deg, rgba(232, 245, 236, 0.86), transparent 58%),
    var(--cream-canvas);
  border-bottom: 1px solid rgba(8, 50, 31, 0.08);
  padding: clamp(4.5rem, 9vw, 7rem) 0 clamp(2.5rem, 5vw, 4rem);
}

.calculator-hero-grid {
  align-items: center;
  display: grid;
  gap: 2rem;
}

@media (min-width: 900px) {
  .calculator-hero-grid {
    grid-template-columns: minmax(0, 1.05fr) minmax(18rem, 0.75fr);
  }
}

.calculator-hero-media {
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-2xl);
  margin: 0;
  overflow: hidden;
}

.calculator-hero-media img {
  display: block;
  height: 100%;
  max-height: 25rem;
  object-fit: cover;
  width: 100%;
}

.calculator-section,
.calculator-related-section {
  background: var(--cream-canvas);
  padding: var(--section-gap) 0;
}

.loan-calculator-layout {
  display: grid;
  gap: 1.5rem;
}

@media (min-width: 980px) {
  .loan-calculator-layout {
    align-items: start;
    grid-template-columns: minmax(0, 0.82fr) minmax(0, 1fr);
  }
}

.loan-calculator-panel,
.loan-results-panel,
.calculator-related-card {
  background: white;
  border: 1px solid rgba(8, 50, 31, 0.08);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
}

.loan-calculator-panel,
.loan-results-panel {
  padding: clamp(1.25rem, 3vw, 2rem);
}

.calculator-panel-header {
  margin-bottom: 1.25rem;
}

.calculator-panel-header h2 {
  font-size: clamp(24px, 3vw, 34px);
  margin-bottom: 0.35rem;
}

.calculator-panel-header p {
  color: var(--muted-text);
  max-width: 38rem;
}

.calculator-input {
  background: white;
  border: 1px solid rgba(8, 50, 31, 0.14);
  border-radius: var(--radius-lg);
  color: var(--text-charcoal);
  font: inherit;
  min-height: 3rem;
  padding: 0.85rem 1rem;
  width: 100%;
}

.calculator-input:focus {
  border-color: var(--primary-green);
  box-shadow: 0 0 0 3px rgba(0, 108, 59, 0.14);
  outline: none;
}

.loan-calculator-panel .form-group {
  margin-bottom: 1rem;
}

.loan-calculator-panel .btn {
  margin-top: 0.5rem;
  min-height: 3rem;
  width: 100%;
}

.calculator-error {
  background: #fff1f2;
  border: 1px solid rgba(185, 28, 28, 0.18);
  border-radius: var(--radius-md);
  color: #9f1239;
  font-size: 14px;
  font-weight: 700;
  margin-top: 1rem;
  padding: 0.75rem 0.9rem;
}

.loan-result-primary {
  background:
    radial-gradient(circle at 16% 16%, rgba(183, 240, 201, 0.32), transparent 36%),
    linear-gradient(145deg, #0f2f24 0%, #174938 52%, #10251f 100%);
  border-radius: var(--radius-xl);
  color: white;
  margin-bottom: 1rem;
  padding: clamp(1.25rem, 3vw, 2rem);
}

.loan-result-primary span,
.loan-result-card span {
  display: block;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 0.03em;
  margin-bottom: 0.45rem;
  text-transform: uppercase;
}

.loan-result-primary strong {
  display: block;
  font-family: var(--font-serif);
  font-size: clamp(42px, 6vw, 64px);
  line-height: 0.95;
}

.loan-result-grid {
  display: grid;
  gap: 0.85rem;
}

@media (min-width: 640px) {
  .loan-result-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

.loan-result-card {
  background: var(--soft-sand);
  border: 1px solid rgba(8, 50, 31, 0.08);
  border-radius: var(--radius-lg);
  padding: 1rem;
}

.loan-result-card span {
  color: var(--muted-text);
}

.loan-result-card strong {
  color: var(--text-charcoal);
  display: block;
  font-size: clamp(20px, 3vw, 28px);
}

.loan-note {
  background: var(--mint-wash);
  border-radius: var(--radius-lg);
  margin-top: 1rem;
  padding: 1rem 1.15rem;
}

.loan-note h3 {
  font-size: 18px;
  margin-bottom: 0.65rem;
}

.loan-note ul {
  color: var(--muted-text);
  margin-left: 1.1rem;
}

.loan-note li + li {
  margin-top: 0.35rem;
}

.calculator-related-grid {
  display: grid;
  gap: 1rem;
}

@media (min-width: 820px) {
  .calculator-related-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.calculator-related-card {
  color: var(--text-charcoal);
  display: block;
  padding: 1.25rem;
  text-decoration: none;
  transition: transform var(--transition-fast), box-shadow var(--transition-fast), border-color var(--transition-fast);
}

.calculator-related-card:hover {
  border-color: rgba(0, 108, 59, 0.24);
  box-shadow: var(--shadow-2xl);
  transform: translateY(-3px);
}

.calculator-related-card span {
  color: var(--primary-green);
  display: block;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.06em;
  margin-bottom: 0.45rem;
  text-transform: uppercase;
}

.calculator-related-card strong {
  display: block;
  font-family: var(--font-serif);
  font-size: 22px;
  margin-bottom: 0.45rem;
}

/* Editorial and Utility Pages */
.editorial-hero {
  background:
    linear-gradient(90deg, rgba(232, 245, 236, 0.82), transparent 52%),
    var(--cream-canvas);
  border-bottom: 1px solid rgba(8, 50, 31, 0.08);
  padding: clamp(4.5rem, 9vw, 7.5rem) 0 clamp(3rem, 6vw, 5rem);
}

.editorial-hero-grid {
  display: grid;
  gap: 2rem;
}

@media (min-width: 900px) {
  .editorial-hero-grid {
    align-items: end;
    grid-template-columns: minmax(0, 1fr) 360px;
  }
}

.editorial-hero h1 {
  color: var(--text-charcoal);
  max-width: 900px;
}

.editorial-hero p {
  color: var(--muted-text);
  font-size: 17px;
  max-width: 720px;
  margin-top: 1rem;
}

.hero-note-panel {
  background: white;
  border: 1px solid rgba(8, 50, 31, 0.1);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  padding: 1.25rem;
}

.hero-note-panel p {
  font-size: 14px;
  margin-top: 0.4rem;
}

.note-label {
  color: var(--primary-green);
  display: block;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.inline-link {
  color: var(--primary-green);
  display: inline-flex;
  font-weight: 700;
  margin-top: 0.75rem;
  text-decoration: none;
}

.inline-link:hover {
  color: var(--deep-forest);
}

.editorial-band {
  background: var(--soft-sand);
  padding: var(--section-gap) 0;
}

.guide-card-grid {
  display: grid;
  gap: 1.5rem;
}

@media (min-width: 900px) {
  .guide-card-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.guide-card,
.insight-card,
.disclosure-card,
.legal-panel,
.comparison-builder {
  background: white;
  border: 1px solid rgba(8, 50, 31, 0.08);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-sm);
}

.guide-card {
  display: flex;
  flex-direction: column;
  overflow: hidden;
}

.guide-card-image {
  aspect-ratio: 16 / 10;
  display: block;
  object-fit: cover;
  width: 100%;
}

.guide-card-body {
  display: flex;
  flex: 1;
  flex-direction: column;
  padding: 1.4rem;
}

.guide-card-body h2 {
  font-size: 26px;
  margin-bottom: 0.75rem;
}

.guide-card-body p {
  color: var(--muted-text);
}

.check-list {
  color: var(--muted-text);
  display: grid;
  gap: 0.55rem;
  list-style: none;
  margin: 1rem 0 1.25rem;
  padding: 0;
}

.check-list li {
  align-items: start;
  display: grid;
  font-size: 14px;
  gap: 0.55rem;
  grid-template-columns: 9px 1fr;
}

.check-list li::before {
  background: var(--primary-green);
  border-radius: var(--radius-full);
  content: '';
  height: 7px;
  margin-top: 0.55rem;
  width: 7px;
}

.step-list {
  display: grid;
  gap: 1rem;
}

.step-item {
  align-items: start;
  background: white;
  border: 1px solid rgba(8, 50, 31, 0.08);
  border-radius: var(--radius-xl);
  display: grid;
  gap: 1rem;
  grid-template-columns: 48px 1fr;
  padding: 1.25rem;
}

.step-item span {
  align-items: center;
  background: var(--deep-forest);
  border-radius: var(--radius-full);
  color: white;
  display: flex;
  font-family: var(--font-serif);
  font-size: 22px;
  font-weight: 700;
  height: 48px;
  justify-content: center;
  width: 48px;
}

.step-item h3,
.insight-card h3,
.legal-panel h2,
.disclosure-card h2 {
  color: var(--text-charcoal);
  margin-bottom: 0.5rem;
}

.step-item p,
.insight-card p,
.legal-panel p,
.disclosure-card p {
  color: var(--muted-text);
}

.insight-grid,
.disclosure-grid {
  display: grid;
  gap: 1rem;
}

@media (min-width: 760px) {
  .insight-grid,
  .disclosure-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.insight-card,
.disclosure-card {
  padding: 1.3rem;
}

.disclosure-detail-section {
  background: var(--cream-canvas);
  padding: var(--section-gap) 0;
}

.disclosure-layout,
.faq-layout {
  display: grid;
  gap: 2rem;
}

@media (min-width: 980px) {
  .disclosure-layout,
  .faq-layout {
    align-items: start;
    grid-template-columns: 240px minmax(0, 1fr);
  }
}

.disclosure-nav,
.faq-sidebar {
  background: white;
  border: 1px solid rgba(8, 50, 31, 0.08);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-sm);
  display: grid;
  gap: 0.25rem;
  padding: 0.75rem;
}

@media (min-width: 980px) {
  .disclosure-nav,
  .faq-sidebar {
    position: sticky;
    top: calc(var(--header-height) + 1rem);
  }
}

.disclosure-nav a,
.faq-sidebar a {
  border-radius: var(--radius-md);
  color: var(--text-charcoal);
  font-size: 14px;
  font-weight: 700;
  padding: 0.65rem 0.75rem;
  text-decoration: none;
}

.disclosure-nav a:hover,
.faq-sidebar a:hover {
  background: var(--mint-wash);
  color: var(--primary-green);
}

.legal-stack,
.faq-stack {
  display: grid;
  gap: 1rem;
}

.legal-panel {
  padding: clamp(1.25rem, 3vw, 2rem);
}

.legal-panel ul {
  margin-bottom: 1rem;
}

.legal-updated {
  background: var(--deep-forest);
  border-radius: var(--radius-xl);
  color: white;
  padding: 1rem 1.25rem;
}

.faq-section {
  background: var(--cream-canvas);
  padding: var(--section-gap) 0;
}

.faq-group {
  scroll-margin-top: calc(var(--header-height) + 1rem);
}

.faq-group + .faq-group {
  margin-top: 2rem;
}

.faq-group h2 {
  font-size: clamp(28px, 4vw, 38px);
  margin-bottom: 1rem;
}

.faq-item {
  background: white;
  border: 1px solid rgba(8, 50, 31, 0.08);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  overflow: hidden;
}

.faq-item + .faq-item {
  margin-top: 0.75rem;
}

.faq-question {
  align-items: center;
  background: transparent;
  border: 0;
  color: var(--text-charcoal);
  cursor: pointer;
  display: flex;
  font: inherit;
  font-weight: 800;
  gap: 1rem;
  justify-content: space-between;
  padding: 1rem 1.15rem;
  text-align: left;
  width: 100%;
}

.faq-question svg {
  color: var(--primary-green);
  flex: 0 0 auto;
  height: 18px;
  transition: transform var(--transition-fast);
  width: 18px;
}

.faq-item.active .faq-question svg {
  transform: rotate(180deg);
}

.faq-answer {
  border-top: 1px solid rgba(8, 50, 31, 0.08);
  color: var(--muted-text);
  padding: 0 1.15rem 1.15rem;
}

.faq-answer p {
  padding-top: 1rem;
}

.comparison-builder {
  padding: clamp(1.25rem, 3vw, 2rem);
}

.builder-header {
  align-items: start;
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  justify-content: space-between;
  margin-bottom: 1.5rem;
}

.builder-header h2 {
  font-size: clamp(28px, 4vw, 38px);
}

.selector-grid {
  display: grid;
  gap: 1rem;
}

@media (min-width: 820px) {
  .selector-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.form-group label {
  color: var(--text-charcoal);
  display: block;
  font-size: 14px;
  font-weight: 800;
  margin-bottom: 0.5rem;
}

.form-group label span {
  color: var(--muted-text);
  font-weight: 600;
}

.comparison-table-wrap {
  margin-top: 1.5rem;
}

.comparison-table-scroll {
  overflow-x: auto;
}

.comparison-table {
  background: white;
  border: 1px solid rgba(8, 50, 31, 0.08);
  border-collapse: separate;
  border-radius: var(--radius-xl);
  border-spacing: 0;
  box-shadow: var(--shadow-lg);
  min-width: 760px;
  overflow: hidden;
  width: 100%;
}

.comparison-table th,
.comparison-table td {
  border-bottom: 1px solid rgba(8, 50, 31, 0.08);
  padding: 1rem;
  text-align: center;
  vertical-align: top;
}

.comparison-table thead th {
  background: var(--mint-wash);
  color: var(--text-charcoal);
  font-weight: 800;
}

.comparison-table th:first-child,
.comparison-table td:first-child {
  text-align: left;
}

.comparison-table tbody th {
  color: var(--text-charcoal);
  font-weight: 800;
}

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

.comparison-table tr:last-child th,
.comparison-table tr:last-child td {
  border-bottom: 0;
}

.comparison-cta-row td {
  background: var(--soft-sand);
}

.tool-icon {
  width: 48px;
  height: 48px;
  background: rgba(255, 255, 255, 0.1);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
  transition: all var(--transition-base);
}

.tool-icon svg {
  width: 24px;
  height: 24px;
  color: white;
}

.tool-card:hover .tool-icon svg {
  color: var(--primary-green);
}

.tool-title {
  font-family: var(--font-serif);
  font-size: 20px;
  font-weight: 600;
  color: white;
  margin-bottom: 0.5rem;
  transition: color var(--transition-base);
}

.tool-description {
  font-size: 14px;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 1rem;
  transition: color var(--transition-base);
}

.tool-cta {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 14px;
  font-weight: 600;
  color: var(--primary-green);
  opacity: 0;
  transition: opacity var(--transition-base);
}

.tool-cta svg {
  width: 16px;
  height: 16px;
}

/* Dropdown Menus */
.nav-dropdown {
    position: relative;
}

.nav-dropdown-menu {
    position: absolute;
    top: 100%;
    left: 0;
    min-width: 220px;
    background: white;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-2xl);
    padding: 0.5rem 0;
    opacity: 0;
    visibility: hidden;
    transform: translateY(-10px);
    transition: all var(--transition-fast);
    z-index: 100;
}

.nav-dropdown:hover .nav-dropdown-menu,
.nav-item:hover .nav-dropdown-menu,
.nav-dropdown.is-open .nav-dropdown-menu,
.nav-dropdown:focus-within .nav-dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.nav-dropdown-menu a {
    display: block;
    padding: 0.75rem 1.25rem;
    color: var(--text-charcoal);
    font-size: 14px;
    font-weight: 500;
    transition: all var(--transition-fast);
}

.nav-dropdown-menu a:hover {
    background: var(--mint-wash);
    color: var(--primary-green);
}