:root {
  --primary: #0f4c81;
  --primary-dark: #0a3557;
  --primary-light: #1565a8;
  --accent: #00a896;
  --accent-light: #02c39a;
  --neutral-50: #f8fafc;
  --neutral-100: #f1f5f9;
  --neutral-200: #e2e8f0;
  --neutral-300: #cbd5e1;
  --neutral-400: #94a3b8;
  --neutral-500: #64748b;
  --neutral-600: #475569;
  --neutral-700: #334155;
  --neutral-800: #1e293b;
  --neutral-900: #0f172a;
  --bg: #ffffff;
  --bg-alt: #f8fafc;
  --text: #0f172a;
  --text-muted: #475569;
  --radius: 14px;
  --radius-lg: 20px;
  --shadow-sm: 0 1px 2px 0 rgba(0,0,0,0.05);
  --shadow: 0 4px 6px -1px rgba(0,0,0,0.1),0 2px 4px -1px rgba(0,0,0,0.06);
  --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.1),0 4px 6px -2px rgba(0,0,0,0.05);
  --shadow-xl: 0 20px 25px -5px rgba(0,0,0,0.1),0 10px 10px -5px rgba(0,0,0,0.04);
  font-size: 16px;
}

@media (prefers-reduced-motion: reduce) {
  *,*::before,*::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}

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

html {
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

html.modal-open {
  overflow: hidden;
}

body {
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
  line-height: 1.6;
  color: var(--text);
  background: var(--bg);
  overflow-x: hidden;
}

.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.25rem;
}

@media (min-width: 640px) {
  .container {
    padding: 0 2rem;
  }
}

@media (min-width: 768px) {
  .container {
    padding: 0 2rem;
  }
}

.header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--neutral-200);
  height: 64px;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
  gap: 1rem;
}

.brand {
  display: flex;
  align-items: center;
  gap: 0.625rem;
  text-decoration: none;
  color: var(--text);
  white-space: nowrap;
  overflow: hidden;
  max-width: min(52vw, 220px);
  text-overflow: ellipsis;
}

@media (min-width: 1024px) {
  .brand {
    max-width: 260px;
  }
}

.brand-icon {
  flex-shrink: 0;
  width: 32px;
  height: 32px;
  border-radius: 6px;
}

.brand-name {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--primary);
  overflow: hidden;
  text-overflow: ellipsis;
}

.nav {
  display: none;
  gap: 1.5rem;
  align-items: center;
}

@media (min-width: 768px) {
  .nav {
    display: flex;
  }
}

.nav a {
  text-decoration: none;
  color: var(--text);
  font-weight: 500;
  font-size: 0.9375rem;
  transition: color 0.2s;
}

.nav a:hover {
  color: var(--primary);
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.625rem 1.25rem;
  font-size: 0.9375rem;
  font-weight: 600;
  border-radius: var(--radius);
  border: none;
  cursor: pointer;
  transition: all 0.2s;
  text-decoration: none;
  white-space: nowrap;
}

.btn-primary {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  color: white;
  box-shadow: var(--shadow);
}

.btn-primary:hover {
  transform: translateY(-1px);
  box-shadow: var(--shadow-lg);
}

.btn-primary:active {
  transform: translateY(0);
}

.btn-hero {
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-light) 100%);
  color: white;
  padding: 0.875rem 2rem;
  font-size: 1.125rem;
  box-shadow: var(--shadow-lg);
  border-radius: var(--radius-lg);
}

.btn-hero:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-xl);
}

.btn-block {
  width: 100%;
}

.hero {
  position: relative;
  padding: 2rem 0 3rem;
  overflow: hidden;
  min-height: auto;
  display: flex;
  align-items: center;
}

@media (min-width: 768px) {
  .hero {
    padding: 3rem 0 4rem;
    min-height: 85vh;
  }
}

.hero-bg {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg,
    rgba(15,76,129,0.05) 0%,
    rgba(0,168,150,0.03) 50%,
    rgba(100,116,139,0.02) 100%);
  z-index: -1;
}

.hero-bg::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 80%;
  height: 150%;
  background: radial-gradient(ellipse at center, rgba(15,76,129,0.08) 0%, transparent 70%);
  animation: float 20s ease-in-out infinite;
}

@keyframes float {
  0%, 100% { transform: translateY(0) scale(1); }
  50% { transform: translateY(-30px) scale(1.05); }
}

.hero-content {
  display: grid;
  grid-template-columns: 1fr;
  gap: 3rem;
  align-items: center;
}

@media (min-width: 1024px) {
  .hero-content {
    grid-template-columns: 1.2fr 1fr;
    gap: 4rem;
  }
}

.hero-text {
  max-width: 100%;
  word-wrap: break-word;
  overflow-wrap: break-word;
}

@media (min-width: 768px) {
  .hero-text {
    max-width: 600px;
  }
}

.hero-title {
  font-size: clamp(2rem, 5vw, 3rem);
  font-weight: 800;
  line-height: 1.2;
  color: var(--primary-dark);
  margin-bottom: 1rem;
  word-wrap: break-word;
  overflow-wrap: break-word;
}

.hero-title-accent {
  display: block;
  font-size: clamp(1.25rem, 4vw, 2rem);
  font-weight: 600;
  background: linear-gradient(135deg, var(--accent) 0%, var(--primary-light) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  margin-top: 0.5rem;
  word-wrap: break-word;
  overflow-wrap: break-word;
  hyphens: auto;
}

.hero-subtitle {
  font-size: 1.125rem;
  color: var(--text-muted);
  margin-bottom: 2rem;
  line-height: 1.7;
  word-wrap: break-word;
  overflow-wrap: break-word;
}

.hero-microcopy {
  font-size: 0.8125rem;
  color: var(--neutral-600);
  margin-top: 0.75rem;
  line-height: 1.5;
  word-wrap: break-word;
  overflow-wrap: break-word;
}

.loan-details-pill {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-top: 1.5rem;
  padding: 1rem;
  background: rgba(255,255,255,0.7);
  backdrop-filter: blur(10px);
  border: 1px solid var(--neutral-200);
  border-radius: var(--radius);
  font-size: 0.75rem;
  color: var(--neutral-700);
}

.loan-details-pill span {
  white-space: normal;
  word-break: break-word;
}

@media (min-width: 640px) {
  .loan-details-pill span {
    white-space: nowrap;
  }
}

.loan-details-pill span:not(:last-child)::after {
  content: '•';
  margin-left: 0.5rem;
  color: var(--neutral-400);
}

.trust-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 1.5rem;
  margin-top: 1.5rem;
}

.trust-badge {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.875rem;
  color: var(--neutral-700);
  font-weight: 500;
}

.trust-badge svg {
  color: var(--accent);
  flex-shrink: 0;
}

.social-proof {
  margin-top: 1rem;
  font-size: 0.875rem;
  color: var(--neutral-600);
  font-style: italic;
}

.hero-visual {
  display: none;
}

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

.glass-card {
  background: rgba(255,255,255,0.6);
  backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,0.3);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  box-shadow: var(--shadow-lg);
  position: relative;
  overflow: hidden;
}

.glass-card-lg {
  padding: 2rem;
}

.card-glow {
  position: absolute;
  top: -50%;
  right: -50%;
  width: 100%;
  height: 100%;
  background: radial-gradient(circle, rgba(0,168,150,0.15) 0%, transparent 70%);
  animation: glow 8s ease-in-out infinite;
}

@keyframes glow {
  0%, 100% { opacity: 0.5; transform: scale(1); }
  50% { opacity: 1; transform: scale(1.1); }
}

.stat-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
}

.stat-row:not(:last-child) {
  margin-bottom: 1.5rem;
  padding-bottom: 1.5rem;
  border-bottom: 1px solid rgba(100,116,139,0.1);
}

.stat {
  text-align: center;
}

.stat-value {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 0.25rem;
}

.stat-label {
  font-size: 0.875rem;
  color: var(--neutral-600);
}

.section {
  padding: 3rem 0;
}

@media (min-width: 768px) {
  .section {
    padding: 4rem 0;
  }
}

.section-alt {
  background: var(--bg-alt);
}

.section-title {
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  font-weight: 700;
  text-align: center;
  margin-bottom: 3rem;
  color: var(--primary-dark);
}

.progress-wrapper {
  max-width: 600px;
  margin: 0 auto 3rem;
}

.progress-bar {
  height: 4px;
  background: var(--neutral-200);
  border-radius: 2px;
  overflow: hidden;
}

.progress-fill {
  height: 100%;
  width: 100%;
  background: linear-gradient(90deg, var(--accent) 0%, var(--primary-light) 100%);
  animation: progress 3s ease-in-out infinite;
}

@keyframes progress {
  0% { transform: translateX(-100%); }
  100% { transform: translateX(0); }
}

.steps {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}

@media (min-width: 640px) {
  .steps {
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 2rem;
  }
}

.step-card {
  text-align: center;
  transition: transform 0.3s;
}

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

.step-icon {
  width: 64px;
  height: 64px;
  margin: 0 auto 1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  color: white;
  border-radius: 50%;
}

.step-number {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--accent);
  margin-bottom: 0.5rem;
}

.step-title {
  font-size: 1.25rem;
  font-weight: 600;
  margin-bottom: 0.75rem;
  color: var(--primary-dark);
}

.step-desc {
  color: var(--text-muted);
  line-height: 1.6;
}

.features-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}

@media (min-width: 640px) {
  .features-grid {
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 2rem;
  }
}

.feature-card {
  text-align: center;
  transition: transform 0.3s;
}

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

.feature-icon {
  color: var(--accent);
  margin-bottom: 1rem;
}

.feature-title {
  font-size: 1.125rem;
  font-weight: 600;
  margin-bottom: 0.5rem;
  color: var(--primary-dark);
}

.feature-desc {
  color: var(--text-muted);
  font-size: 0.9375rem;
  line-height: 1.6;
}

.testimonials-container {
  position: relative;
  max-width: 900px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: 1rem;
}

.testimonials-slider {
  flex: 1;
  overflow: hidden;
  padding: 1rem 0;
}

.testimonial-track {
  display: flex;
  transition: transform 0.4s ease-in-out;
}

.testimonial-card {
  min-width: 100%;
  padding: 2rem;
  opacity: 0;
  transition: opacity 0.4s ease-in-out;
}

.testimonial-card.active {
  opacity: 1;
}

.testimonial-stars {
  display: flex;
  gap: 0.25rem;
  margin-bottom: 1.5rem;
  color: #FFB800;
}

.testimonial-text {
  font-size: 1.125rem;
  line-height: 1.7;
  color: var(--text);
  margin-bottom: 2rem;
  font-style: italic;
}

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

.testimonial-avatar {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1.125rem;
  flex-shrink: 0;
}

.testimonial-name {
  font-weight: 600;
  font-size: 1rem;
  color: var(--text);
  margin-bottom: 0.25rem;
}

.testimonial-location {
  font-size: 0.875rem;
  color: var(--text-muted);
}

.testimonial-nav {
  background: white;
  border: 2px solid var(--neutral-200);
  width: 48px;
  height: 48px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: all 0.3s;
  flex-shrink: 0;
  color: var(--neutral-600);
}

.testimonial-nav:hover {
  border-color: var(--primary);
  color: var(--primary);
  transform: scale(1.1);
}

.testimonial-nav:active {
  transform: scale(0.95);
}

.testimonial-nav:disabled {
  opacity: 0.4;
  cursor: not-allowed;
  transform: scale(1);
}

.testimonial-dots {
  display: flex;
  justify-content: center;
  gap: 0.5rem;
  margin-top: 2rem;
}

.testimonial-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: var(--neutral-300);
  cursor: pointer;
  transition: all 0.3s;
}

.testimonial-dot.active {
  background: var(--primary);
  width: 28px;
  border-radius: 5px;
}

@media (max-width: 767px) {
  .testimonials-container {
    gap: 0.5rem;
  }

  .testimonial-nav {
    width: 40px;
    height: 40px;
  }

  .testimonial-nav svg {
    width: 20px;
    height: 20px;
  }

  .testimonial-card {
    padding: 1.5rem;
  }

  .testimonial-text {
    font-size: 1rem;
  }
}

.tabs {
  max-width: 900px;
  margin: 0 auto;
}

.tabs-nav {
  display: flex;
  gap: 0.5rem;
  margin-bottom: 2rem;
  border-bottom: 2px solid var(--neutral-200);
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none;
}

.tabs-nav::-webkit-scrollbar {
  display: none;
}

@media (min-width: 640px) {
  .tabs-nav {
    gap: 1rem;
  }
}

.tab-btn {
  background: none;
  border: none;
  padding: 0.875rem 1rem;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--neutral-600);
  cursor: pointer;
  border-bottom: 3px solid transparent;
  margin-bottom: -2px;
  transition: all 0.2s;
  white-space: nowrap;
  flex-shrink: 0;
}

@media (min-width: 640px) {
  .tab-btn {
    padding: 0.875rem 1.5rem;
    font-size: 1rem;
  }
}

.tab-btn.active {
  color: var(--primary);
  border-bottom-color: var(--primary);
}

.tab-content {
  display: none;
}

.tab-content.active {
  display: block;
  animation: fadeIn 0.3s;
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(10px); }
  to { opacity: 1; transform: translateY(0); }
}

.comparison-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
  margin-bottom: 1.5rem;
}

@media (min-width: 768px) {
  .comparison-grid {
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2rem;
  }
}

.comparison-card {
  padding: 1.5rem;
}

@media (min-width: 640px) {
  .comparison-card {
    padding: 2rem;
  }
}

.comparison-title {
  font-size: 1.5rem;
  font-weight: 700;
  margin-bottom: 1.5rem;
  color: var(--primary);
}

.comparison-list {
  list-style: none;
}

.comparison-list li {
  padding-left: 1.75rem;
  margin-bottom: 0.75rem;
  position: relative;
  line-height: 1.6;
}

.comparison-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--accent);
  font-weight: bold;
}

.comparison-note {
  text-align: center;
  padding: 1rem;
  background: rgba(0,168,150,0.1);
  border-left: 4px solid var(--accent);
  border-radius: var(--radius);
  color: var(--text);
  font-size: 0.9375rem;
}

.calculator {
  max-width: 700px;
  margin: 0 auto;
}

.calculator-title {
  font-size: 2rem;
  font-weight: 700;
  text-align: center;
  margin-bottom: 0.5rem;
  color: var(--primary-dark);
}

.calculator-subtitle {
  text-align: center;
  color: var(--text-muted);
  margin-bottom: 2rem;
}

.calculator-body {
  padding: 1rem 0;
}

.slider-group {
  margin-bottom: 2rem;
}

.slider-label {
  display: flex;
  justify-content: space-between;
  margin-bottom: 0.75rem;
  font-weight: 600;
  color: var(--primary-dark);
}

.slider-value {
  color: var(--accent);
}

.slider {
  -webkit-appearance: none;
  width: 100%;
  height: 8px;
  border-radius: 4px;
  background: var(--neutral-200);
  outline: none;
  margin-bottom: 0.5rem;
}

.slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--accent);
  cursor: pointer;
  box-shadow: var(--shadow);
  transition: all 0.2s;
}

.slider::-webkit-slider-thumb:hover {
  transform: scale(1.2);
  box-shadow: var(--shadow-lg);
}

.slider::-moz-range-thumb {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--accent);
  cursor: pointer;
  border: none;
  box-shadow: var(--shadow);
  transition: all 0.2s;
}

.slider::-moz-range-thumb:hover {
  transform: scale(1.2);
  box-shadow: var(--shadow-lg);
}

.slider-range {
  display: flex;
  justify-content: space-between;
  font-size: 0.8125rem;
  color: var(--neutral-500);
}

.calculator-results {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin: 2rem 0;
  padding: 1rem;
  background: rgba(0,168,150,0.05);
  border-radius: var(--radius);
}

@media (min-width: 640px) {
  .calculator-results {
    gap: 1.5rem;
    padding: 2rem;
  }
}

.result-card {
  text-align: center;
}

.result-label {
  font-size: 0.75rem;
  color: var(--text-muted);
  margin-bottom: 0.5rem;
  word-wrap: break-word;
  overflow-wrap: break-word;
}

@media (min-width: 640px) {
  .result-label {
    font-size: 0.875rem;
  }
}

.result-value {
  font-size: clamp(1.5rem, 5vw, 2rem);
  font-weight: 700;
  color: var(--primary);
  word-wrap: break-word;
  overflow-wrap: break-word;
}

.examples-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
  margin-bottom: 2rem;
}

@media (min-width: 640px) {
  .examples-grid {
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 2rem;
  }
}

.example-card {
  padding: 1.5rem 1rem;
  transition: transform 0.3s;
  position: relative;
}

@media (min-width: 640px) {
  .example-card {
    padding: 2rem 1.5rem;
  }
}

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

.example-featured {
  border: 2px solid var(--accent);
}

.example-badge {
  position: absolute;
  top: 1rem;
  right: 1rem;
  background: var(--accent);
  color: white;
  padding: 0.25rem 0.75rem;
  border-radius: 12px;
  font-size: 0.75rem;
  font-weight: 600;
}

.example-amount {
  font-size: 2rem;
  font-weight: 700;
  color: var(--primary);
  text-align: center;
  margin-bottom: 1.5rem;
}

.example-details {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.example-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.9375rem;
}

.example-total {
  padding-top: 0.75rem;
  border-top: 2px solid var(--neutral-200);
  font-size: 1.0625rem;
}

.examples-footnote {
  font-size: 0.875rem;
  color: var(--text-muted);
  line-height: 1.6;
  text-align: center;
  max-width: 900px;
  margin: 0 auto;
}

.faq-grid {
  max-width: 900px;
  margin: 0 auto;
  display: grid;
  gap: 1rem;
}

.faq-item {
  cursor: pointer;
  transition: all 0.3s;
}

.faq-item:hover {
  transform: translateX(4px);
}

.faq-question {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-weight: 600;
  color: var(--primary-dark);
  padding: 1.5rem;
  cursor: pointer;
  list-style: none;
}

.faq-question::-webkit-details-marker {
  display: none;
}

.faq-icon {
  flex-shrink: 0;
  color: var(--accent);
  transition: transform 0.3s;
}

details[open] .faq-icon {
  transform: rotate(180deg);
}

.faq-answer {
  padding: 0 1.5rem 1.5rem;
  color: var(--text-muted);
  line-height: 1.7;
}

.contact-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 2rem;
  max-width: 900px;
  margin: 0 auto;
}

.contact-card {
  text-align: center;
  padding: 2rem 1.5rem;
}

.contact-icon {
  color: var(--accent);
  margin-bottom: 1rem;
}

.contact-title {
  font-size: 1.25rem;
  font-weight: 600;
  margin-bottom: 1rem;
  color: var(--primary-dark);
}

.contact-detail {
  color: var(--text-muted);
  line-height: 1.7;
}

.contact-detail a {
  color: var(--primary);
  text-decoration: none;
  font-weight: 600;
}

.contact-detail a:hover {
  text-decoration: underline;
}

.cta-section {
  background: linear-gradient(135deg, rgba(15,76,129,0.05) 0%, rgba(0,168,150,0.05) 100%);
}

.cta-card {
  max-width: 700px;
  margin: 0 auto;
  text-align: center;
  padding: 3rem 2rem;
}

.cta-title {
  font-size: 2rem;
  font-weight: 700;
  margin-bottom: 1rem;
  color: var(--primary-dark);
}

.cta-subtitle {
  font-size: 1.125rem;
  color: var(--text-muted);
  margin-bottom: 2rem;
}

.footer {
  background: var(--neutral-900);
  color: var(--neutral-300);
  padding: 3rem 0 1.5rem;
}

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

@media (min-width: 640px) {
  .footer-grid {
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  }
}

.footer-col h4.footer-title {
  color: white;
  font-size: 1.125rem;
  font-weight: 600;
  margin-bottom: 1rem;
}

.footer-text {
  font-size: 0.9375rem;
  line-height: 1.6;
}

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

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

.footer-links a {
  color: var(--neutral-300);
  text-decoration: none;
  font-size: 0.9375rem;
  transition: color 0.2s;
}

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

.footer-bottom {
  padding-top: 2rem;
  border-top: 1px solid var(--neutral-700);
}

.footer-disclaimer {
  font-size: 0.875rem;
  line-height: 1.7;
  color: var(--neutral-400);
}

.footer-disclaimer p {
  margin-bottom: 1rem;
}

.footer-disclaimer a {
  color: var(--neutral-300);
  text-decoration: underline;
}

.footer-links-inline {
  display: flex;
  flex-wrap: wrap;
  gap: 1.5rem;
  justify-content: center;
  margin-bottom: 1rem;
}

.footer-links-inline a {
  color: var(--neutral-300);
  text-decoration: none;
  font-size: 0.875rem;
}

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

.footer-copyright {
  text-align: center;
  font-size: 0.875rem;
  color: var(--neutral-500);
}

.page-content {
  padding: 6rem 0 4rem;
  min-height: 70vh;
}

.back-link {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  color: var(--primary);
  text-decoration: none;
  font-weight: 600;
  margin-bottom: 2rem;
  transition: transform 0.2s;
}

.back-link:hover {
  transform: translateX(-4px);
}

.page-title {
  font-size: clamp(2rem, 5vw, 3rem);
  font-weight: 700;
  color: var(--primary-dark);
  margin-bottom: 0.5rem;
}

.page-meta {
  color: var(--neutral-500);
  font-size: 0.9375rem;
  margin-bottom: 2rem;
}

.content-card {
  max-width: 900px;
  margin: 0 auto;
}

.content-card h2 {
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--primary-dark);
  margin: 2rem 0 1rem;
}

.content-card h2:first-child {
  margin-top: 0;
}

.content-card h3 {
  font-size: 1.25rem;
  font-weight: 600;
  color: var(--primary);
  margin: 1.5rem 0 0.75rem;
}

.content-card p {
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: 1rem;
}

.content-card ul,.content-card ol {
  margin-bottom: 1rem;
  padding-left: 1.5rem;
}

.content-card li {
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: 0.5rem;
}

.content-card a {
  color: var(--primary);
  text-decoration: underline;
}

.content-card a:hover {
  color: var(--accent);
}

.content-card strong {
  color: var(--text);
  font-weight: 600;
}

#stickyCtaWrapper {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 40;
}

@media (min-width: 768px) {
  #stickyCtaWrapper {
    left: auto;
    right: 1rem;
    bottom: 1rem;
    max-width: 400px;
  }
}