/* ==========================================================================
   Aspire Credit Union - Modern Design System & Stylesheet (v2.0)
   Fintech-Grade, High-Trust, Accessible, and Responsive
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Outfit:wght@400;500;600;700;800;900&family=Plus+Jakarta+Sans:ital,wght@0,300;0,400;0,500;0,600;0,700;0,800;1,400;1,600&family=JetBrains+Mono:wght@500;600;700&display=swap');

:root {
  /* Fonts */
  --font-primary: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-heading: 'Outfit', var(--font-primary);
  --font-mono: 'JetBrains Mono', monospace;

  /* Obsidian & Royal Purple Brand Core */
  --color-brand-obsidian: #140a1c;
  --color-primary-dark: #1e0f2b;
  --color-primary: #2e143f;
  --color-primary-light: #441c5e;
  --color-primary-subtle: #fbf8fe;

  /* Neon Lime & Emerald Energy Accents */
  --color-lime: #9fe81b;
  --color-lime-glow: #b5f524;
  --color-lime-dark: #7cb912;
  --color-lime-text: #172802;
  --color-lime-light: #f4fee3;
  --color-lime-border: rgba(159, 232, 27, 0.35);

  /* Jewel Teal & Cyan */
  --color-teal: #14b8a6;
  --color-teal-dark: #0d9488;
  --color-teal-light: #f0fdfa;
  --color-teal-glow: rgba(20, 184, 166, 0.3);

  /* Warm Accent */
  --color-orange: #f97316;
  --color-orange-light: #fff7ed;

  /* Neutral Tones */
  --color-bg-body: #f8fafc;
  --color-bg-alt: #f1f5f9;
  --color-bg-card: #ffffff;
  --color-bg-dark: #180c24;

  --color-text-main: #1e293b;
  --color-text-muted: #64748b;
  --color-text-light: #94a3b8;
  --color-border: #e2e8f0;
  --color-border-dark: rgba(255, 255, 255, 0.1);

  /* Elevation Shadows */
  --shadow-xs: 0 1px 2px rgba(15, 23, 42, 0.05);
  --shadow-sm: 0 2px 8px rgba(15, 23, 42, 0.06);
  --shadow-md: 0 8px 24px -4px rgba(30, 15, 43, 0.08);
  --shadow-lg: 0 16px 36px -8px rgba(30, 15, 43, 0.12);
  --shadow-xl: 0 24px 56px -12px rgba(30, 15, 43, 0.18);
  --shadow-glow: 0 0 28px rgba(159, 232, 27, 0.4);
  --shadow-glow-teal: 0 0 28px rgba(20, 184, 166, 0.35);

  /* Border Radii */
  --radius-xs: 6px;
  --radius-sm: 10px;
  --radius-md: 14px;
  --radius-lg: 20px;
  --radius-xl: 28px;
  --radius-pill: 9999px;

  /* Layout */
  --site-max-width: 1240px;
  --ease-out: cubic-bezier(0.22, 1, 0.36, 1);
  --transition: all 0.25s var(--ease-out);
}

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: var(--font-primary);
  font-size: 1rem;
  line-height: 1.6;
  color: var(--color-text-main);
  background-color: var(--color-bg-body);
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img, svg {
  max-width: 100%;
  height: auto;
  vertical-align: middle;
}

a {
  color: var(--color-primary);
  text-decoration: none;
  transition: var(--transition);
}

a:hover {
  color: var(--color-teal);
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  color: var(--color-primary-dark);
  line-height: 1.2;
  font-weight: 700;
}

p {
  margin-bottom: 1.15rem;
}

ul, ol {
  margin-bottom: 1.15rem;
}

.container {
  width: 100%;
  max-width: var(--site-max-width);
  margin-left: auto;
  margin-right: auto;
  padding-left: 1.5rem;
  padding-right: 1.5rem;
}

/* Accessibility Skip Link */
.skip-link {
  position: absolute;
  top: -999px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--color-lime);
  color: var(--color-lime-text);
  padding: 0.75rem 1.5rem;
  font-weight: 700;
  border-radius: 0 0 var(--radius-sm) var(--radius-sm);
  z-index: 10000;
  transition: top 0.2s ease;
}

.skip-link:focus {
  top: 0;
}

/* ---------------- Badges & Pills ---------------- */
.pill-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.35rem 0.85rem;
  border-radius: var(--radius-pill);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  text-transform: uppercase;
}

.pill-badge-lime {
  background: var(--color-lime-light);
  color: var(--color-lime-text);
  border: 1px solid var(--color-lime-border);
}

.pill-badge-teal {
  background: var(--color-teal-light);
  color: var(--color-teal-dark);
  border: 1px solid rgba(20, 184, 166, 0.25);
}

.pill-badge-dark {
  background: rgba(255, 255, 255, 0.1);
  color: #ffffff;
  border: 1px solid rgba(255, 255, 255, 0.18);
  backdrop-filter: blur(8px);
}

/* ---------------- Modern Buttons ---------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.85rem 1.75rem;
  font-family: var(--font-primary);
  font-size: 0.95rem;
  font-weight: 700;
  border-radius: var(--radius-pill);
  border: 1px solid transparent;
  cursor: pointer;
  text-align: center;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
  line-height: 1.2;
  white-space: nowrap;
}

.btn:active {
  transform: scale(0.98);
}

/* Primary Button: Vibrant Lime Accent */
.btn-primary {
  background: linear-gradient(135deg, var(--color-lime) 0%, var(--color-lime-glow) 100%);
  color: var(--color-lime-text);
  border-color: rgba(255, 255, 255, 0.25);
  box-shadow: 0 4px 16px rgba(159, 232, 27, 0.35);
}

.btn-primary:hover {
  background: linear-gradient(135deg, #a7f320 0%, #c4fc3b 100%);
  color: var(--color-lime-text);
  box-shadow: 0 6px 24px rgba(159, 232, 27, 0.5);
  transform: translateY(-2px);
}

/* Secondary Button: Royal Obsidian */
.btn-secondary {
  background: var(--color-primary);
  color: #ffffff;
  border-color: rgba(255, 255, 255, 0.12);
  box-shadow: 0 4px 16px rgba(30, 15, 43, 0.2);
}

.btn-secondary:hover {
  background: var(--color-primary-dark);
  color: #ffffff;
  box-shadow: 0 6px 22px rgba(30, 15, 43, 0.3);
  transform: translateY(-2px);
}

/* Teal Button */
.btn-teal {
  background: var(--color-teal);
  color: #ffffff;
  box-shadow: 0 4px 16px rgba(20, 184, 166, 0.3);
}

.btn-teal:hover {
  background: var(--color-teal-dark);
  color: #ffffff;
  box-shadow: 0 6px 20px rgba(20, 184, 166, 0.45);
  transform: translateY(-2px);
}

/* Outline Button */
.btn-outline {
  background: transparent;
  color: var(--color-primary);
  border: 1.5px solid var(--color-border);
}

.btn-outline:hover {
  border-color: var(--color-primary);
  background: var(--color-primary-subtle);
  color: var(--color-primary);
  transform: translateY(-1px);
}

/* Glass Dark Button */
.btn-glass-light {
  background: rgba(255, 255, 255, 0.12);
  color: #ffffff;
  border: 1px solid rgba(255, 255, 255, 0.24);
  backdrop-filter: blur(10px);
}

.btn-glass-light:hover {
  background: rgba(255, 255, 255, 0.22);
  color: #ffffff;
  border-color: rgba(255, 255, 255, 0.4);
  transform: translateY(-2px);
}

/* Button Sizing */
.btn-sm {
  padding: 0.55rem 1.15rem;
  font-size: 0.85rem;
}

.btn-lg {
  padding: 1.05rem 2.25rem;
  font-size: 1.05rem;
}

/* ---------------- TOP ANNOUNCEMENT / UTILITY BAR ---------------- */
.top-announcement-bar {
  background: var(--color-brand-obsidian);
  color: #ffffff;
  font-size: 0.82rem;
  padding: 0.5rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.announcement-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.announcement-highlight {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  overflow: hidden;
  text-overflow: ellipsis;
  white-space: nowrap;
}

.pulse-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  background: rgba(159, 232, 27, 0.2);
  color: var(--color-lime);
  padding: 0.2rem 0.55rem;
  border-radius: var(--radius-pill);
  font-weight: 700;
  font-size: 0.72rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.pulse-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--color-lime);
  box-shadow: 0 0 8px var(--color-lime);
  animation: pulseLight 1.8s infinite;
}

@keyframes pulseLight {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.4; transform: scale(0.85); }
}

.announcement-tools {
  display: flex;
  align-items: center;
  gap: 1.25rem;
}

.announcement-link {
  color: rgba(255, 255, 255, 0.75);
  font-weight: 500;
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
}

.announcement-link:hover {
  color: var(--color-lime);
}

/* ---------------- STICKY SITE HEADER ---------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 990;
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(226, 232, 240, 0.85);
  box-shadow: var(--shadow-sm);
  transition: all 0.3s ease;
}

.header-main-bar {
  padding: 0.85rem 0;
}

.header-main-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
}

/* Brand Logo */
.brand-logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  text-decoration: none;
  flex-shrink: 0;
}

.logo-mark {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-sm);
  background: linear-gradient(135deg, var(--color-primary-dark) 0%, var(--color-primary) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-lime);
  box-shadow: 0 4px 12px rgba(30, 15, 43, 0.25);
  border: 1px solid var(--color-lime-border);
  transition: transform 0.3s cubic-bezier(0.34, 1.56, 0.64, 1), box-shadow 0.3s ease;
}

.brand-logo:hover .logo-mark {
  transform: translateY(-2px) scale(1.05);
  box-shadow: var(--shadow-glow);
}

.logo-text-wrap {
  display: flex;
  flex-direction: column;
  line-height: 1;
}

.logo-text-title {
  font-family: var(--font-heading);
  font-size: 1.65rem;
  font-weight: 800;
  color: var(--color-primary-dark);
  letter-spacing: -0.03em;
}

.logo-text-title span {
  color: var(--color-lime-dark);
}

.logo-text-sub {
  font-family: var(--font-primary);
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  color: var(--color-text-muted);
  margin-top: 3px;
}

/* Desktop Navigation Menu */
.desktop-nav {
  display: flex;
  align-items: center;
  gap: 0.25rem;
  list-style: none;
  margin: 0;
  padding: 0;
}

.nav-item {
  position: relative;
}

.nav-link {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  padding: 0.65rem 0.95rem;
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--color-text-main);
  border-radius: var(--radius-pill);
  transition: var(--transition);
}

.nav-link svg {
  width: 14px;
  height: 14px;
  transition: transform 0.2s ease;
}

.nav-link:hover, .nav-item:hover .nav-link {
  color: var(--color-primary);
  background: var(--color-bg-alt);
}

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

/* Mega Menu Dropdowns */
.mega-menu {
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%) translateY(10px);
  background: #ffffff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  padding: 1.5rem;
  min-width: 580px;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transition: all 0.25s var(--ease-out);
  z-index: 1000;
}

.mega-menu-wide {
  min-width: 780px;
}

.nav-item:hover .mega-menu {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: translateX(-50%) translateY(4px);
}

.mega-menu-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.mega-col-title {
  font-size: 0.8rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-primary);
  padding-bottom: 0.5rem;
  margin-bottom: 0.75rem;
  border-bottom: 1px solid var(--color-border);
  display: flex;
  align-items: center;
  gap: 0.4rem;
}

.mega-links-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
}

.mega-link-item a {
  display: flex;
  flex-direction: column;
  padding: 0.5rem 0.65rem;
  border-radius: var(--radius-xs);
  transition: var(--transition);
}

.mega-link-title {
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--color-text-main);
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.mega-link-desc {
  font-size: 0.78rem;
  color: var(--color-text-muted);
  margin-top: 2px;
}

.mega-link-item a:hover {
  background: var(--color-primary-subtle);
}

.mega-link-item a:hover .mega-link-title {
  color: var(--color-primary);
}

.mega-promo-card {
  background: linear-gradient(145deg, var(--color-primary-dark), var(--color-primary));
  border-radius: var(--radius-md);
  padding: 1.25rem;
  color: #ffffff;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.mega-promo-card h4 {
  color: #ffffff;
  font-size: 1.05rem;
  margin-bottom: 0.4rem;
}

.mega-promo-card p {
  color: rgba(255, 255, 255, 0.8);
  font-size: 0.82rem;
  margin-bottom: 1rem;
}

.mega-quick-footer {
  margin-top: 1.25rem;
  padding-top: 1rem;
  border-top: 1px solid var(--color-border);
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: var(--color-bg-alt);
  margin-left: -1.5rem;
  margin-right: -1.5rem;
  margin-bottom: -1.5rem;
  padding: 0.75rem 1.5rem;
  border-radius: 0 0 var(--radius-lg) var(--radius-lg);
  font-size: 0.85rem;
}

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

/* Search Trigger Button */
.search-trigger-btn {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  border: 1px solid var(--color-border);
  background: #ffffff;
  color: var(--color-text-main);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: var(--transition);
}

.search-trigger-btn:hover {
  background: var(--color-bg-alt);
  color: var(--color-primary);
  border-color: var(--color-primary-light);
}

/* Banking Login Dropdown Button */
.banking-login-container {
  position: relative;
}

.banking-login-btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.65rem 1.15rem;
  background: var(--color-primary-dark);
  color: #ffffff;
  border-radius: var(--radius-pill);
  border: 1px solid rgba(255, 255, 255, 0.15);
  font-weight: 700;
  font-size: 0.88rem;
  cursor: pointer;
  transition: var(--transition);
}

.banking-login-btn svg {
  width: 16px;
  height: 16px;
  color: var(--color-lime);
}

.banking-login-btn:hover {
  background: var(--color-primary);
  box-shadow: 0 4px 14px rgba(30, 15, 43, 0.25);
}

.banking-dropdown-menu {
  position: absolute;
  top: calc(100% + 10px);
  right: 0;
  width: 320px;
  background: #ffffff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  padding: 1.5rem;
  display: none;
  z-index: 1000;
  animation: dropIn 0.25s var(--ease-out);
}

.banking-dropdown-menu.active {
  display: block;
}

@keyframes dropIn {
  from { opacity: 0; transform: translateY(-8px); }
  to { opacity: 1; transform: translateY(0); }
}

.banking-dropdown-header {
  text-align: center;
  padding-bottom: 1rem;
  border-bottom: 1px solid var(--color-border);
  margin-bottom: 1rem;
}

.banking-dropdown-header h3 {
  font-size: 1.15rem;
  color: var(--color-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
}

.banking-dropdown-header p {
  font-size: 0.8rem;
  color: var(--color-text-muted);
  margin: 0;
}

.banking-tabs {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.4rem;
  background: var(--color-bg-alt);
  padding: 0.25rem;
  border-radius: var(--radius-pill);
  margin-bottom: 1rem;
}

.banking-tab-btn {
  padding: 0.45rem;
  border-radius: var(--radius-pill);
  font-size: 0.82rem;
  font-weight: 700;
  border: none;
  background: transparent;
  color: var(--color-text-muted);
  cursor: pointer;
  transition: var(--transition);
}

.banking-tab-btn.active {
  background: #ffffff;
  color: var(--color-primary);
  box-shadow: var(--shadow-xs);
}

.banking-form .form-group {
  margin-bottom: 0.85rem;
}

.banking-form label {
  display: block;
  font-size: 0.8rem;
  font-weight: 600;
  margin-bottom: 0.35rem;
  color: var(--color-text-main);
}

.form-control {
  width: 100%;
  padding: 0.65rem 0.85rem;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xs);
  font-family: var(--font-primary);
  font-size: 0.9rem;
  outline: none;
  transition: var(--transition);
}

.form-control:focus {
  border-color: var(--color-teal);
  box-shadow: 0 0 0 3px var(--color-teal-glow);
}

.banking-links {
  display: flex;
  justify-content: space-between;
  font-size: 0.8rem;
  margin-top: 0.85rem;
}

.banking-links a {
  color: var(--color-teal);
  font-weight: 600;
}

/* Mobile Hamburger Toggle */
.mobile-menu-toggle {
  display: none;
  align-items: center;
  gap: 0.4rem;
  background: var(--color-bg-alt);
  border: 1px solid var(--color-border);
  padding: 0.55rem 0.85rem;
  border-radius: var(--radius-pill);
  font-weight: 700;
  font-size: 0.85rem;
  color: var(--color-primary-dark);
  cursor: pointer;
}

/* ---------------- HERO BANNER SECTION ---------------- */
.hero-section {
  position: relative;
  background: radial-gradient(circle at 85% 20%, rgba(159, 232, 27, 0.12) 0%, transparent 45%),
              radial-gradient(circle at 15% 85%, rgba(20, 184, 166, 0.15) 0%, transparent 50%),
              linear-gradient(150deg, #15091d 0%, #251035 55%, #180924 100%);
  color: #ffffff;
  padding: 4.5rem 0 5.5rem;
  overflow: hidden;
}

.hero-section::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: 
    linear-gradient(rgba(255, 255, 255, 0.03) 1px, transparent 0),
    linear-gradient(90deg, rgba(255, 255, 255, 0.03) 1px, transparent 0);
  background-size: 40px 40px;
  background-position: center center;
  mask-image: radial-gradient(ellipse 80% 60% at 50% 50%, #000 40%, transparent 100%);
  -webkit-mask-image: radial-gradient(ellipse 80% 60% at 50% 50%, #000 40%, transparent 100%);
  opacity: 0.7;
  pointer-events: none;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 3.5rem;
  align-items: center;
  position: relative;
  z-index: 10;
}

/* Breadcrumbs */
.breadcrumbs {
  list-style: none;
  margin: 0 0 1.25rem 0;
  padding: 0;
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.65);
}

.breadcrumbs li:not(:last-child)::after {
  content: "/";
  margin-left: 0.5rem;
  opacity: 0.4;
}

.breadcrumbs a {
  color: rgba(255, 255, 255, 0.8);
}

.breadcrumbs a:hover {
  color: var(--color-lime);
}

.breadcrumbs li:last-child {
  color: var(--color-lime);
  font-weight: 600;
}

.hero-eyebrow-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(159, 232, 27, 0.12);
  color: var(--color-lime);
  border: 1px solid var(--color-lime-border);
  padding: 0.4rem 0.95rem;
  border-radius: var(--radius-pill);
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-bottom: 1.25rem;
  backdrop-filter: blur(8px);
}

.hero-title {
  font-size: 3.4rem;
  font-weight: 800;
  color: #ffffff;
  line-height: 1.08;
  letter-spacing: -0.03em;
  margin-bottom: 1.25rem;
}

.hero-title .text-gradient-lime {
  background: linear-gradient(135deg, var(--color-lime) 0%, #ffffff 75%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.hero-subtitle {
  font-size: 1.15rem;
  line-height: 1.65;
  color: rgba(255, 255, 255, 0.82);
  max-width: 580px;
  margin-bottom: 2rem;
}

.hero-feature-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem;
  margin-bottom: 2.25rem;
}

.hero-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.16);
  padding: 0.45rem 0.95rem;
  border-radius: var(--radius-pill);
  font-size: 0.86rem;
  font-weight: 600;
  color: #ffffff;
  backdrop-filter: blur(8px);
}

.hero-pill svg {
  color: var(--color-lime);
}

.hero-actions {
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
}

/* Hero Visual Showcase Right Column */
.hero-visual-wrap {
  position: relative;
}

.hero-image-card {
  position: relative;
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: 0 24px 60px -12px rgba(0, 0, 0, 0.5), 0 0 40px rgba(159, 232, 27, 0.2);
  border: 1px solid rgba(255, 255, 255, 0.16);
  transition: transform 0.4s ease;
}

.hero-image-card:hover {
  transform: translateY(-4px);
}

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

/* Floating Status Pills over Hero Image */
.floating-stat-card {
  position: absolute;
  bottom: -20px;
  left: -20px;
  background: rgba(26, 12, 36, 0.88);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border: 1px solid rgba(159, 232, 27, 0.4);
  border-radius: var(--radius-md);
  padding: 0.85rem 1.25rem;
  display: flex;
  align-items: center;
  gap: 0.85rem;
  box-shadow: 0 16px 36px rgba(0, 0, 0, 0.4);
  animation: floatCard 4s ease-in-out infinite;
}

@keyframes floatCard {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-8px); }
}

.floating-stat-icon {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--color-lime), var(--color-teal));
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-lime-text);
  font-weight: 800;
  font-size: 1.1rem;
}

.floating-stat-text strong {
  display: block;
  font-size: 0.95rem;
  color: #ffffff;
}

.floating-stat-text span {
  font-size: 0.78rem;
  color: var(--color-lime);
}

.floating-rating-badge {
  position: absolute;
  top: 20px;
  right: -15px;
  background: rgba(255, 255, 255, 0.95);
  color: var(--color-primary-dark);
  border-radius: var(--radius-pill);
  padding: 0.5rem 1rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-weight: 800;
  font-size: 0.85rem;
  box-shadow: 0 12px 28px rgba(0, 0, 0, 0.25);
}

.floating-rating-badge .stars {
  color: #eab308;
}

/* ---------------- TRUST & STATS TICKER BAR ---------------- */
.trust-stats-section {
  background: #ffffff;
  border-bottom: 1px solid var(--color-border);
  padding: 2rem 0;
  box-shadow: var(--shadow-xs);
  position: relative;
  z-index: 20;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}

.stat-item {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding: 0.75rem 1rem;
  border-radius: var(--radius-md);
  transition: var(--transition);
}

.stat-item:hover {
  background: var(--color-bg-alt);
  transform: translateY(-2px);
}

.stat-icon-wrap {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-sm);
  background: var(--color-primary-subtle);
  color: var(--color-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.stat-icon-wrap svg {
  width: 24px;
  height: 24px;
}

.stat-content-wrap {
  display: flex;
  flex-direction: column;
}

.stat-number {
  font-family: var(--font-heading);
  font-size: 1.65rem;
  font-weight: 800;
  color: var(--color-primary-dark);
  line-height: 1.1;
}

.stat-label {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--color-text-muted);
  margin-top: 2px;
}

/* ---------------- FLAGSHIP LOAN CALCULATOR SECTION ---------------- */
.calculator-section {
  padding: 5rem 0;
  background: linear-gradient(180deg, #ffffff 0%, var(--color-bg-body) 100%);
  position: relative;
}

.section-header-center {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 3.5rem;
}

.section-tag {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--color-teal);
  background: var(--color-teal-light);
  padding: 0.35rem 0.85rem;
  border-radius: var(--radius-pill);
  margin-bottom: 0.85rem;
}

.section-title-large {
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--color-primary-dark);
  letter-spacing: -0.02em;
  margin-bottom: 0.85rem;
}

.section-subtitle {
  font-size: 1.1rem;
  color: var(--color-text-muted);
  line-height: 1.6;
}

/* Calculator Container & Card */
.calculator-card {
  background: #ffffff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}

/* Product Tabs within Calculator */
.calc-product-tabs {
  display: flex;
  background: var(--color-primary-dark);
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  overflow-x: auto;
}

.calc-tab-btn {
  flex: 1;
  padding: 1.15rem 1rem;
  border: none;
  background: transparent;
  color: rgba(255, 255, 255, 0.7);
  font-family: var(--font-primary);
  font-size: 0.92rem;
  font-weight: 700;
  cursor: pointer;
  text-align: center;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  white-space: nowrap;
  transition: var(--transition);
  border-bottom: 3px solid transparent;
}

.calc-tab-btn:hover {
  color: #ffffff;
  background: rgba(255, 255, 255, 0.05);
}

.calc-tab-btn.active {
  color: #ffffff;
  background: rgba(255, 255, 255, 0.08);
  border-bottom-color: var(--color-lime);
}

.calc-tab-rate {
  font-size: 0.78rem;
  font-weight: 800;
  background: var(--color-lime);
  color: var(--color-lime-text);
  padding: 0.15rem 0.45rem;
  border-radius: var(--radius-pill);
}

/* Calculator Grid Body */
.calc-grid {
  display: grid;
  grid-template-columns: 1.25fr 1fr;
  padding: 2.5rem;
  gap: 2.5rem;
}

.calc-controls-pane {
  display: flex;
  flex-direction: column;
  gap: 1.75rem;
}

.calc-field-group {
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}

.calc-field-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.calc-field-label {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--color-primary-dark);
}

.calc-field-val {
  font-family: var(--font-mono);
  font-size: 1.45rem;
  font-weight: 700;
  color: var(--color-primary);
}

/* Range Slider Styling */
.calc-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 8px;
  border-radius: var(--radius-pill);
  background: #e2e8f0;
  outline: none;
  cursor: pointer;
  transition: background 0.2s ease;
}

.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--color-primary);
  border: 3px solid var(--color-lime);
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.2);
  cursor: grab;
  transition: transform 0.15s ease, box-shadow 0.15s ease;
}

.calc-slider::-webkit-slider-thumb:hover {
  transform: scale(1.18);
  box-shadow: 0 0 12px var(--color-lime);
}

.calc-slider::-moz-range-thumb {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--color-primary);
  border: 3px solid var(--color-lime);
  cursor: grab;
}

.slider-scale-ticks {
  display: flex;
  justify-content: space-between;
  font-size: 0.78rem;
  color: var(--color-text-light);
  font-family: var(--font-mono);
}

/* Preset Buttons */
.calc-presets-row {
  display: flex;
  gap: 0.5rem;
  flex-wrap: wrap;
}

.preset-pill {
  padding: 0.35rem 0.75rem;
  font-size: 0.8rem;
  font-weight: 700;
  font-family: var(--font-mono);
  background: var(--color-bg-alt);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-pill);
  cursor: pointer;
  transition: var(--transition);
  color: var(--color-text-main);
}

.preset-pill:hover {
  background: var(--color-primary-subtle);
  border-color: var(--color-primary-light);
  color: var(--color-primary);
}

.preset-pill.active {
  background: var(--color-primary);
  border-color: var(--color-primary);
  color: var(--color-lime);
}

/* Term Button Matrix */
.term-selector-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.5rem;
}

.term-pill {
  padding: 0.65rem 0.5rem;
  font-size: 0.85rem;
  font-weight: 700;
  border: 1.5px solid var(--color-border);
  background: #ffffff;
  border-radius: var(--radius-sm);
  cursor: pointer;
  text-align: center;
  transition: var(--transition);
  color: var(--color-text-main);
}

.term-pill:hover {
  border-color: var(--color-primary-light);
  background: var(--color-primary-subtle);
}

.term-pill.active {
  background: var(--color-primary);
  color: #ffffff;
  border-color: var(--color-primary);
  box-shadow: 0 4px 12px rgba(30, 15, 43, 0.2);
}

/* Credit Tier Radio Matrix */
.credit-tier-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.5rem;
}

.tier-card {
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-sm);
  padding: 0.5rem;
  text-align: center;
  cursor: pointer;
  transition: var(--transition);
}

.tier-card:hover {
  border-color: var(--color-teal);
}

.tier-card.active {
  border-color: var(--color-teal);
  background: var(--color-teal-light);
}

.tier-name {
  display: block;
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--color-primary-dark);
}

.tier-score {
  display: block;
  font-size: 0.72rem;
  color: var(--color-text-muted);
}

/* Calculator Output Result Card */
.calc-results-pane {
  background: linear-gradient(150deg, #180a22 0%, #291238 100%);
  color: #ffffff;
  border-radius: var(--radius-lg);
  padding: 2.25rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  position: relative;
  overflow: hidden;
  box-shadow: var(--shadow-md);
  border: 1px solid rgba(255, 255, 255, 0.12);
}

.calc-results-pane::before {
  content: "";
  position: absolute;
  top: -50px;
  right: -50px;
  width: 140px;
  height: 140px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(159, 232, 27, 0.25), transparent 70%);
  pointer-events: none;
}

.result-card-heading {
  font-size: 0.88rem;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.75);
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.result-monthly-amount {
  font-family: var(--font-heading);
  font-size: 3.4rem;
  font-weight: 800;
  color: var(--color-lime);
  line-height: 1;
  margin: 0.6rem 0 1rem;
  text-shadow: 0 0 24px rgba(159, 232, 27, 0.3);
}

.result-stat-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  padding: 1rem 0;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
  margin-bottom: 1.25rem;
}

.result-stat-item span {
  display: block;
  font-size: 0.78rem;
  color: rgba(255, 255, 255, 0.65);
}

.result-stat-item strong {
  font-family: var(--font-mono);
  font-size: 1.05rem;
  color: #ffffff;
}

/* Savings Comparison Box */
.member-savings-callout {
  background: rgba(20, 184, 166, 0.15);
  border: 1px solid rgba(20, 184, 166, 0.35);
  border-radius: var(--radius-sm);
  padding: 0.85rem 1rem;
  margin-bottom: 1.5rem;
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.savings-badge-icon {
  font-size: 1.25rem;
}

.savings-callout-text {
  font-size: 0.85rem;
  line-height: 1.4;
  color: #e2fbf7;
}

.savings-callout-text strong {
  color: var(--color-lime);
}

/* Apply CTA inside Calculator */
.calc-apply-btn {
  width: 100%;
  font-size: 1.05rem;
  padding: 0.95rem;
}

/* ---------------- SOLUTIONS BENTO GRID SECTION ---------------- */
.solutions-section {
  padding: 5.5rem 0;
  background: var(--color-bg-body);
}

.bento-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.75rem;
}

/* Bento Cards */
.bento-card {
  background: #ffffff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: 2.25rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}

.bento-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: transparent;
  transition: background 0.3s ease;
}

.bento-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: #cbd5e1;
}

.bento-card:hover::before {
  background: linear-gradient(90deg, var(--color-lime), var(--color-teal));
}

.bento-featured {
  grid-column: span 2;
  background: linear-gradient(145deg, #ffffff 0%, var(--color-primary-subtle) 100%);
  border-color: #e0d0eb;
}

.bento-badge-top {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  padding: 0.3rem 0.75rem;
  border-radius: var(--radius-pill);
  font-size: 0.75rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 1.25rem;
  align-self: flex-start;
}

.bento-icon-box {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-md);
  background: var(--color-primary-subtle);
  color: var(--color-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.5rem;
  transition: transform 0.3s cubic-bezier(0.34, 1.56, 0.64, 1);
}

.bento-card:hover .bento-icon-box {
  transform: scale(1.1) rotate(4deg);
}

.bento-title {
  font-size: 1.45rem;
  font-weight: 800;
  color: var(--color-primary-dark);
  margin-bottom: 0.6rem;
}

.bento-desc {
  font-size: 0.95rem;
  color: var(--color-text-muted);
  line-height: 1.6;
  margin-bottom: 1.5rem;
}

.bento-rate-pill {
  display: inline-flex;
  align-items: baseline;
  gap: 0.35rem;
  margin-bottom: 1.5rem;
  background: var(--color-bg-alt);
  padding: 0.45rem 0.85rem;
  border-radius: var(--radius-sm);
  border: 1px solid var(--color-border);
}

.bento-rate-pill .rate-lbl {
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--color-text-muted);
}

.bento-rate-pill .rate-num {
  font-family: var(--font-heading);
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--color-primary);
}

.bento-rate-pill .rate-apr {
  font-size: 0.8rem;
  font-weight: 800;
  color: var(--color-teal);
}

.bento-features-list {
  list-style: none;
  margin: 0 0 1.75rem 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
}

.bento-features-list li {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  font-size: 0.9rem;
  color: var(--color-text-main);
  font-weight: 500;
}

.bento-features-list li svg {
  width: 18px;
  height: 18px;
  color: var(--color-teal);
  flex-shrink: 0;
}

.bento-actions {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin-top: auto;
}

/* ---------------- CREDIT REBUILDING SECTION ---------------- */
.rebuild-section {
  padding: 5rem 0;
  background: linear-gradient(145deg, #190a23 0%, #2b113a 60%, #1a0826 100%);
  color: #ffffff;
  position: relative;
  overflow: hidden;
}

.rebuild-section::after {
  content: "";
  position: absolute;
  bottom: 0;
  right: 0;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(159, 232, 27, 0.12), transparent 70%);
  pointer-events: none;
}

.rebuild-grid {
  display: grid;
  grid-template-columns: 1fr 1.15fr;
  gap: 3.5rem;
  align-items: center;
  position: relative;
  z-index: 10;
}

.rebuild-content h2 {
  font-size: 2.6rem;
  color: #ffffff;
  margin-bottom: 1rem;
}

.rebuild-content p {
  font-size: 1.05rem;
  color: rgba(255, 255, 255, 0.82);
  line-height: 1.65;
  margin-bottom: 2rem;
}

.rebuild-cards-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
}

.rebuild-feature-card {
  background: rgba(255, 255, 255, 0.07);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  backdrop-filter: blur(12px);
  transition: var(--transition);
}

.rebuild-feature-card:hover {
  background: rgba(255, 255, 255, 0.12);
  transform: translateY(-3px);
  border-color: var(--color-lime-border);
}

.rebuild-card-icon {
  width: 42px;
  height: 42px;
  border-radius: var(--radius-sm);
  background: rgba(159, 232, 27, 0.15);
  color: var(--color-lime);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
}

.rebuild-feature-card h4 {
  color: #ffffff;
  font-size: 1.1rem;
  margin-bottom: 0.4rem;
}

.rebuild-feature-card p {
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.85rem;
  line-height: 1.5;
  margin: 0;
}

/* ---------------- 3-STEP VERIFICATION PROCESS ---------------- */
.process-section {
  padding: 5.5rem 0;
  background: #ffffff;
  position: relative;
}

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

.step-card {
  background: var(--color-bg-body);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: 2.5rem 2rem;
  position: relative;
  transition: var(--transition);
}

.step-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--color-primary-light);
}

.step-number-bubble {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--color-primary);
  color: var(--color-lime);
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.25rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.5rem;
  box-shadow: 0 4px 14px rgba(30, 15, 43, 0.25);
}

.step-title {
  font-size: 1.35rem;
  color: var(--color-primary-dark);
  margin-bottom: 0.65rem;
}

.step-desc {
  font-size: 0.95rem;
  color: var(--color-text-muted);
  line-height: 1.6;
  margin-bottom: 1rem;
}

.step-meta-badge {
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--color-teal);
  background: var(--color-teal-light);
  padding: 0.25rem 0.65rem;
  border-radius: var(--radius-pill);
  display: inline-block;
}

/* ---------------- COMPARISON MATRIX SECTION ---------------- */
.comparison-section {
  padding: 5rem 0;
  background: var(--color-bg-alt);
}

.comparison-table-wrap {
  background: #ffffff;
  border-radius: var(--radius-xl);
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-md);
  overflow-x: auto;
}

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

.comparison-table th, .comparison-table td {
  padding: 1.25rem 1.5rem;
  border-bottom: 1px solid var(--color-border);
}

.comparison-table th {
  background: #f8fafc;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--color-primary-dark);
}

.comparison-table th.col-highlight {
  background: var(--color-primary);
  color: #ffffff;
  border-bottom-color: var(--color-primary);
}

.comparison-table td.col-highlight {
  background: rgba(46, 20, 63, 0.03);
  font-weight: 700;
  color: var(--color-primary-dark);
}

.table-badge-aspire {
  background: var(--color-lime);
  color: var(--color-lime-text);
  padding: 0.2rem 0.5rem;
  border-radius: var(--radius-pill);
  font-size: 0.72rem;
  font-weight: 800;
  margin-left: 0.4rem;
}

.icon-check {
  color: #10b981;
  font-weight: 800;
  font-size: 1.1rem;
}

.icon-cross {
  color: #ef4444;
  font-weight: 800;
  font-size: 1.1rem;
}

/* ---------------- TESTIMONIALS SECTION ---------------- */
.testimonials-section {
  padding: 5.5rem 0;
  background: #ffffff;
}

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

.testimonial-card {
  background: var(--color-bg-body);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: 2.25rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

.testimonial-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}

.testimonial-stars {
  color: #eab308;
  font-size: 1.1rem;
  margin-bottom: 1rem;
}

.testimonial-quote {
  font-size: 0.98rem;
  line-height: 1.65;
  color: var(--color-text-main);
  font-style: italic;
  margin-bottom: 1.5rem;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 0.85rem;
}

.author-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--color-primary), var(--color-teal));
  color: #ffffff;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
}

.author-meta strong {
  display: block;
  font-size: 0.95rem;
  color: var(--color-primary-dark);
}

.author-meta span {
  font-size: 0.78rem;
  color: var(--color-text-muted);
}

/* ---------------- FAQ ACCORDION SECTION ---------------- */
.faq-section {
  padding: 5rem 0;
  background: var(--color-bg-alt);
}

.faq-container {
  max-width: 840px;
  margin: 0 auto;
}

.faq-item {
  background: #ffffff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  margin-bottom: 1rem;
  overflow: hidden;
  transition: var(--transition);
}

.faq-item.active {
  border-color: var(--color-primary-light);
  box-shadow: var(--shadow-sm);
}

.faq-header {
  width: 100%;
  padding: 1.35rem 1.5rem;
  background: transparent;
  border: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  cursor: pointer;
  text-align: left;
  font-family: var(--font-heading);
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--color-primary-dark);
  transition: color 0.2s ease;
}

.faq-header:hover {
  color: var(--color-teal);
}

.faq-icon {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--color-bg-alt);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  font-weight: 400;
  color: var(--color-primary);
  transition: transform 0.3s ease, background 0.3s ease;
  flex-shrink: 0;
}

.faq-item.active .faq-icon {
  transform: rotate(45deg);
  background: var(--color-lime);
  color: var(--color-lime-text);
}

.faq-body {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.35s ease;
  padding: 0 1.5rem;
}

.faq-item.active .faq-body {
  max-height: 300px;
  padding: 0 1.5rem 1.35rem;
}

.faq-body p {
  color: var(--color-text-muted);
  font-size: 0.95rem;
  line-height: 1.6;
  margin: 0;
}

/* ---------------- CONVERSION BANNER SECTION ---------------- */
.cta-banner-section {
  padding: 5rem 0;
  background: linear-gradient(145deg, #15081d 0%, #250f33 50%, #15081d 100%);
  color: #ffffff;
  position: relative;
  overflow: hidden;
}

.cta-banner-section::before {
  content: "";
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 800px;
  height: 350px;
  background: radial-gradient(ellipse, rgba(159, 232, 27, 0.15) 0%, rgba(20, 184, 166, 0.15) 50%, transparent 80%);
  pointer-events: none;
}

.cta-banner-inner {
  text-align: center;
  max-width: 720px;
  margin: 0 auto;
  position: relative;
  z-index: 10;
}

.cta-banner-inner h2 {
  font-size: 2.8rem;
  color: #ffffff;
  margin-bottom: 1rem;
  letter-spacing: -0.02em;
}

.cta-banner-inner p {
  font-size: 1.15rem;
  color: rgba(255, 255, 255, 0.85);
  line-height: 1.6;
  margin-bottom: 2.25rem;
}

.cta-buttons-wrap {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 1rem;
  flex-wrap: wrap;
}

/* ---------------- MULTI-COLUMN SITE FOOTER ---------------- */
.site-footer {
  background: #0f0715;
  color: rgba(255, 255, 255, 0.7);
  padding: 5rem 0 2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  font-size: 0.9rem;
}

.footer-top-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr 1.2fr;
  gap: 2.5rem;
  padding-bottom: 3.5rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-brand-col p {
  color: rgba(255, 255, 255, 0.65);
  font-size: 0.88rem;
  line-height: 1.6;
  margin-top: 1rem;
  margin-bottom: 1.5rem;
}

.footer-col-title {
  color: #ffffff;
  font-size: 0.95rem;
  font-weight: 700;
  margin-bottom: 1.25rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.footer-nav-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
}

.footer-nav-list a {
  color: rgba(255, 255, 255, 0.65);
  font-size: 0.86rem;
}

.footer-nav-list a:hover {
  color: var(--color-lime);
  padding-left: 3px;
}

.footer-routing-box {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--radius-sm);
  padding: 0.85rem;
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.8);
  margin-bottom: 1.25rem;
}

.footer-routing-box strong {
  color: #ffffff;
}

/* Compliance Badges */
.compliance-badges-row {
  display: flex;
  gap: 1rem;
  margin-bottom: 1.5rem;
  flex-wrap: wrap;
}

.compliance-badge-item {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.12);
  padding: 0.45rem 0.85rem;
  border-radius: var(--radius-pill);
  font-size: 0.76rem;
  font-weight: 600;
  color: #ffffff;
}

.compliance-badge-item svg {
  width: 16px;
  height: 16px;
  color: var(--color-lime);
}

/* Social Links */
.social-icons-row {
  display: flex;
  gap: 0.75rem;
}

.social-circle-btn {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.08);
  color: #ffffff;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 1px solid rgba(255, 255, 255, 0.12);
  transition: var(--transition);
}

.social-circle-btn:hover {
  background: var(--color-lime);
  color: var(--color-lime-text);
  border-color: var(--color-lime);
  transform: translateY(-2px);
}

/* Footer Bottom Disclosures */
.footer-bottom-bar {
  padding-top: 2rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.5);
  flex-wrap: wrap;
  gap: 1rem;
}

.footer-pipe-links {
  display: flex;
  gap: 1rem;
  list-style: none;
  margin: 0;
  padding: 0;
}

.footer-pipe-links a {
  color: rgba(255, 255, 255, 0.65);
}

.footer-pipe-links a:hover {
  color: var(--color-lime);
}

/* ---------------- MODALS & POPUPS ---------------- */
.modal-backdrop-custom {
  position: fixed;
  inset: 0;
  background: rgba(15, 7, 21, 0.75);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  display: none;
  align-items: center;
  justify-content: center;
  padding: 1.5rem;
  z-index: 9999;
}

.modal-backdrop-custom.active {
  display: flex;
}

.modal-box {
  background: #ffffff;
  border-radius: var(--radius-xl);
  max-width: 580px;
  width: 100%;
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--color-border);
  overflow: hidden;
  animation: modalScaleUp 0.28s cubic-bezier(0.34, 1.56, 0.64, 1);
  max-height: 90vh;
  display: flex;
  flex-direction: column;
}

@keyframes modalScaleUp {
  from { opacity: 0; transform: scale(0.94); }
  to { opacity: 1; transform: scale(1); }
}

.modal-header {
  padding: 1.25rem 1.75rem;
  background: var(--color-primary-dark);
  color: #ffffff;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.modal-header h3 {
  color: #ffffff;
  font-size: 1.2rem;
  margin: 0;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.modal-close-btn {
  background: rgba(255, 255, 255, 0.12);
  border: none;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  color: #ffffff;
  font-size: 1.25rem;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: var(--transition);
}

.modal-close-btn:hover {
  background: rgba(255, 255, 255, 0.25);
  transform: rotate(90deg);
}

.modal-body {
  padding: 1.75rem;
  overflow-y: auto;
}

.modal-footer {
  padding: 1rem 1.75rem;
  background: var(--color-bg-alt);
  border-top: 1px solid var(--color-border);
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 0.75rem;
}

.calc-form-group {
  margin-bottom: 1.15rem;
}

.calc-form-group label {
  display: block;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--color-primary-dark);
  margin-bottom: 0.4rem;
}

.calc-input-addon {
  position: relative;
  display: flex;
  align-items: center;
}

.calc-addon-symbol {
  position: absolute;
  left: 0.85rem;
  font-weight: 700;
  color: var(--color-text-muted);
}

.calc-addon-suffix {
  position: absolute;
  right: 0.85rem;
  font-weight: 700;
  color: var(--color-text-muted);
}

.calc-input {
  width: 100%;
  padding: 0.7rem 0.85rem;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xs);
  font-family: var(--font-primary);
  font-size: 0.95rem;
  outline: none;
  transition: var(--transition);
}

.calc-input.has-prefix {
  padding-left: 2rem;
}

.calc-input.has-suffix {
  padding-right: 2.5rem;
}

.calc-input:focus {
  border-color: var(--color-teal);
  box-shadow: 0 0 0 3px var(--color-teal-glow);
}

.calc-results-panel {
  background: var(--color-primary-subtle);
  border: 1px solid #e0d0eb;
  border-radius: var(--radius-md);
  padding: 1.25rem;
  margin-top: 1.25rem;
  text-align: center;
}

.calc-result-title {
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--color-primary);
  letter-spacing: 0.05em;
}

.calc-result-big {
  font-family: var(--font-heading);
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--color-primary-dark);
  margin: 0.25rem 0 0.75rem;
}

.calc-result-stats {
  display: flex;
  justify-content: space-around;
  font-size: 0.82rem;
  color: var(--color-text-muted);
  border-top: 1px dashed var(--color-border);
  padding-top: 0.65rem;
}

.calc-result-stats strong {
  color: var(--color-primary);
}

/* Predictive Search Modal / Dropdown */
.search-dropdown-menu {
  position: absolute;
  top: calc(100% + 10px);
  right: 0;
  width: 360px;
  background: #ffffff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  padding: 1rem;
  display: none;
  z-index: 1000;
}

.search-dropdown-menu.active {
  display: block;
  animation: dropIn 0.2s var(--ease-out);
}

.search-input-wrap {
  display: flex;
  align-items: center;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-pill);
  padding: 0.4rem 0.85rem;
  background: var(--color-bg-alt);
}

.search-input-wrap:focus-within {
  border-color: var(--color-teal);
  background: #ffffff;
}

.search-input {
  flex: 1;
  border: none;
  background: transparent;
  outline: none;
  font-size: 0.9rem;
  font-family: var(--font-primary);
}

.search-submit-btn {
  border: none;
  background: transparent;
  color: var(--color-text-muted);
  cursor: pointer;
}

.search-results-list {
  list-style: none;
  margin: 0.75rem 0 0 0;
  padding: 0;
  max-height: 240px;
  overflow-y: auto;
}

.search-result-row a {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.55rem 0.65rem;
  border-radius: var(--radius-xs);
  font-size: 0.85rem;
  color: var(--color-text-main);
}

.search-result-row a:hover {
  background: var(--color-primary-subtle);
  color: var(--color-primary);
}

.search-result-category {
  font-size: 0.72rem;
  background: var(--color-bg-alt);
  padding: 0.15rem 0.45rem;
  border-radius: var(--radius-pill);
  color: var(--color-text-muted);
}

/* Toast Notifications */
.toast-notification {
  position: fixed;
  bottom: 2rem;
  right: 2rem;
  background: var(--color-primary-dark);
  color: #ffffff;
  padding: 0.85rem 1.5rem;
  border-radius: var(--radius-pill);
  font-size: 0.9rem;
  font-weight: 600;
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--color-lime-border);
  z-index: 10000;
  display: flex;
  align-items: center;
  gap: 0.75rem;
  transform: translateY(100px);
  opacity: 0;
  transition: all 0.3s cubic-bezier(0.34, 1.56, 0.64, 1);
}

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

.toast-notification.toast-success {
  border-color: var(--color-lime);
}

.toast-notification.toast-error {
  border-color: #ef4444;
}

/* Mobile Off-Canvas Drawer */
.mobile-drawer {
  position: fixed;
  top: 0;
  right: -320px;
  width: 300px;
  height: 100vh;
  background: var(--color-primary-dark);
  color: #ffffff;
  z-index: 10001;
  box-shadow: -8px 0 24px rgba(0, 0, 0, 0.4);
  transition: right 0.35s cubic-bezier(0.22, 1, 0.36, 1);
  display: flex;
  flex-direction: column;
}

.mobile-drawer.open {
  right: 0;
}

.mobile-drawer-overlay {
  position: fixed;
  inset: 0;
  background: rgba(15, 7, 21, 0.65);
  backdrop-filter: blur(4px);
  z-index: 10000;
  display: none;
}

.mobile-drawer-overlay.open {
  display: block;
}

.mobile-drawer-header {
  padding: 1.25rem 1.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.mobile-drawer-close {
  background: rgba(255, 255, 255, 0.12);
  border: none;
  color: #ffffff;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  font-size: 1.35rem;
  cursor: pointer;
}

.mobile-drawer-body {
  padding: 1.5rem;
  overflow-y: auto;
  flex: 1;
}

.mobile-nav-list {
  list-style: none;
  margin: 0 0 1.5rem 0;
  padding: 0;
}

.mobile-nav-item {
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.mobile-nav-header {
  padding: 1rem 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-weight: 700;
  font-size: 1rem;
  cursor: pointer;
}

.mobile-sub-list {
  list-style: none;
  margin: 0;
  padding: 0 0 0.85rem 1rem;
  display: none;
  flex-direction: column;
  gap: 0.5rem;
}

.mobile-sub-list.active {
  display: flex;
}

.mobile-sub-list a {
  color: rgba(255, 255, 255, 0.75);
  font-size: 0.9rem;
}

/* ---------------- RESPONSIVE MEDIA QUERIES ---------------- */
@media (max-width: 1024px) {
  .desktop-nav {
    display: none;
  }

  .mobile-menu-toggle {
    display: inline-flex;
  }

  .hero-grid {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }

  .hero-title {
    font-size: 2.75rem;
  }

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

  .calc-grid {
    grid-template-columns: 1fr;
    padding: 1.75rem;
  }

  .bento-grid {
    grid-template-columns: 1fr;
  }

  .bento-featured {
    grid-column: span 1;
  }

  .rebuild-grid {
    grid-template-columns: 1fr;
  }

  .steps-grid {
    grid-template-columns: 1fr;
  }

  .testimonials-grid {
    grid-template-columns: 1fr;
  }

  .footer-top-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 640px) {
  .announcement-inner {
    flex-direction: column;
    align-items: flex-start;
    gap: 0.4rem;
  }

  .announcement-tools {
    display: none;
  }

  .hero-title {
    font-size: 2.2rem;
  }

  .stats-grid {
    grid-template-columns: 1fr;
  }

  .calc-product-tabs {
    flex-direction: column;
  }

  .term-selector-grid, .credit-tier-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .rebuild-cards-col {
    grid-template-columns: 1fr;
  }

  .footer-top-grid {
    grid-template-columns: 1fr;
  }

  .footer-bottom-bar {
    flex-direction: column;
    align-items: flex-start;
  }
}