/* =====================================================
   PERSONAL LOAN OFFICER - Dynamic Premium UI
   Enhanced with gradients, glassmorphism & animations
   ===================================================== */

/* CSS Variables - Dynamic Color Palette */
:root {
    /* Primary Navy Spectrum */
    --navy-50: #e6eef5;
    --navy-100: #ccdceb;
    --navy-200: #99b9d7;
    --navy-300: #6696c3;
    --navy-400: #3373af;
    --navy-500: #1e5a8a;
    --navy-600: #1e3a5f;
    --navy-700: #162d4a;
    --navy-800: #0f1f33;
    --navy-900: #070f1a;
    
    /* Accent Colors */
    --sky-400: #38bdf8;
    --sky-500: #0ea5e9;
    --teal-400: #2dd4bf;
    --teal-500: #14b8a6;
    --cyan-400: #22d3ee;
    --cyan-500: #06b6d4;
    --indigo-400: #818cf8;
    --indigo-500: #6366f1;
    --violet-400: #a78bfa;
    --violet-500: #8b5cf6;
    --amber-400: #fbbf24;
    --amber-500: #f59e0b;
    --rose-400: #fb7185;
    --rose-500: #f43f5e;
    --emerald-400: #34d399;
    --emerald-500: #10b981;
    
    /* Neutral Colors */
    --slate-50: #f8fafc;
    --slate-100: #f1f5f9;
    --slate-200: #e2e8f0;
    --slate-300: #cbd5e1;
    --slate-400: #94a3b8;
    --slate-500: #64748b;
    --slate-600: #475569;
    --slate-700: #334155;
    --slate-800: #1e293b;
    --slate-900: #0f172a;
    
    /* Gradients */
    --gradient-primary: linear-gradient(135deg, #1e3a5f 0%, #2d5a8a 50%, #1e5a8a 100%);
    --gradient-hero: linear-gradient(135deg, #0f172a 0%, #1e3a5f 40%, #1e5a8a 70%, #0d9488 100%);
    --gradient-button: linear-gradient(135deg, #1e5a8a 0%, #0d9488 100%);
    --gradient-accent: linear-gradient(135deg, #06b6d4 0%, #14b8a6 100%);
    
    /* Glass Effect */
    --glass-bg: rgba(255, 255, 255, 0.75);
    --glass-border: rgba(255, 255, 255, 0.3);
    
    /* Shadows */
    --shadow-sm: 0 1px 2px rgba(0, 0, 0, 0.05);
    --shadow: 0 2px 8px rgba(30, 58, 95, 0.1);
    --shadow-md: 0 4px 16px rgba(30, 58, 95, 0.12);
    --shadow-lg: 0 8px 32px rgba(30, 58, 95, 0.15);
    --shadow-xl: 0 16px 48px rgba(30, 58, 95, 0.2);
    --shadow-glow: 0 0 40px rgba(14, 165, 233, 0.3);
    
    /* Typography */
    --font-display: 'Fraunces', Georgia, serif;
    --font-body: 'DM Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    
    /* Spacing */
    --space-xs: 0.25rem;
    --space-sm: 0.5rem;
    --space-md: 1rem;
    --space-lg: 1.5rem;
    --space-xl: 2rem;
    --space-2xl: 3rem;
    --space-3xl: 4rem;
    
    /* Border Radius */
    --radius-sm: 0.5rem;
    --radius: 0.75rem;
    --radius-lg: 1rem;
    --radius-xl: 1.25rem;
    --radius-2xl: 1.5rem;
    --radius-full: 9999px;
    
    /* Transitions */
    --transition-fast: 150ms cubic-bezier(0.4, 0, 0.2, 1);
    --transition: 250ms cubic-bezier(0.4, 0, 0.2, 1);
    --transition-slow: 400ms cubic-bezier(0.4, 0, 0.2, 1);
}

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

html {
    scroll-behavior: smooth;
}

body {
    font-family: var(--font-body);
    font-size: 16px;
    line-height: 1.6;
    color: var(--slate-800);
    -webkit-font-smoothing: antialiased;
    overflow-x: hidden;
}

h1, h2, h3, h4 {
    font-family: var(--font-display);
    font-weight: 600;
    line-height: 1.2;
    color: var(--slate-900);
}

h1 { font-size: clamp(2.25rem, 5vw, 3.75rem); }
h2 { font-size: clamp(1.75rem, 3.5vw, 2.5rem); }
h3 { font-size: clamp(1.25rem, 2vw, 1.5rem); }

p { color: var(--slate-600); }

.container {
    width: 100%;
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 var(--space-lg);
}

/* ===== ANIMATED BACKGROUND ===== */
body {
    background: linear-gradient(180deg, var(--slate-50) 0%, #e0ecf4 50%, #d1e3f0 100%);
    background-attachment: fixed;
    min-height: 100vh;
}

.bg-orbs {
    position: fixed;
    inset: 0;
    z-index: -1;
    overflow: hidden;
    pointer-events: none;
}

.orb {
    position: absolute;
    border-radius: 50%;
    filter: blur(80px);
    animation: float 20s ease-in-out infinite;
}

.orb-1 {
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(14, 165, 233, 0.35) 0%, rgba(6, 182, 212, 0.2) 40%, transparent 70%);
    top: -200px;
    right: -100px;
    animation-delay: 0s;
}

.orb-2 {
    width: 500px;
    height: 500px;
    background: radial-gradient(circle, rgba(20, 184, 166, 0.3) 0%, rgba(45, 212, 191, 0.15) 40%, transparent 70%);
    bottom: -100px;
    left: -100px;
    animation-delay: -7s;
}

.orb-3 {
    width: 450px;
    height: 450px;
    background: radial-gradient(circle, rgba(99, 102, 241, 0.25) 0%, rgba(129, 140, 248, 0.1) 40%, transparent 70%);
    top: 40%;
    left: 50%;
    transform: translateX(-50%);
    animation-delay: -14s;
}

@keyframes float {
    0%, 100% { transform: translate(0, 0) scale(1); }
    25% { transform: translate(40px, -40px) scale(1.08); }
    50% { transform: translate(-30px, 30px) scale(0.92); }
    75% { transform: translate(30px, 40px) scale(1.04); }
}

/* ===== NAVIGATION ===== */
.top-nav {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: var(--glass-bg);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    border-bottom: 1px solid var(--glass-border);
    transition: var(--transition);
}

.nav-container {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 var(--space-lg);
    height: 72px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: var(--space-lg);
}

.nav-brand {
    display: flex;
    align-items: center;
    gap: var(--space-sm);
}

.nav-logo {
    width: 40px;
    height: 40px;
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    transition: var(--transition);
}

.nav-brand:hover .nav-logo {
    transform: scale(1.05);
    box-shadow: var(--shadow-glow);
}

.nav-title {
    font-family: var(--font-display);
    font-size: 1.25rem;
    font-weight: 700;
    background: var(--gradient-primary);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.nav-links {
    display: flex;
    align-items: center;
    gap: var(--space-xs);
}

.nav-link {
    padding: var(--space-sm) var(--space-md);
    font-size: 0.9375rem;
    font-weight: 500;
    color: var(--slate-600);
    text-decoration: none;
    border-radius: var(--radius);
    transition: var(--transition);
}

.nav-link:hover {
    color: var(--navy-600);
    background: rgba(30, 58, 95, 0.06);
}

.nav-cta {
    padding: var(--space-sm) var(--space-lg);
    font-size: 0.875rem;
    font-weight: 600;
    color: white;
    background: var(--gradient-button);
    border: none;
    border-radius: var(--radius-full);
    cursor: pointer;
    transition: var(--transition);
    box-shadow: 0 2px 8px rgba(30, 90, 138, 0.3);
}

.nav-cta:hover {
    transform: translateY(-2px);
    box-shadow: 0 4px 16px rgba(30, 90, 138, 0.4);
}

.mobile-menu-btn {
    display: none;
    flex-direction: column;
    justify-content: center;
    gap: 5px;
    width: 36px;
    height: 36px;
    background: rgba(30, 58, 95, 0.06);
    border: none;
    border-radius: var(--radius);
    cursor: pointer;
    padding: 8px;
}

.mobile-menu-btn span {
    display: block;
    width: 100%;
    height: 2px;
    background: var(--navy-600);
    border-radius: 2px;
}

/* ===== HERO SECTION ===== */
.hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    padding: calc(72px + var(--space-3xl)) var(--space-lg) var(--space-3xl);
    overflow: hidden;
}

.hero-bg {
    position: absolute;
    inset: 0;
    background: var(--gradient-hero);
    z-index: -2;
}

.hero-bg::before {
    content: '';
    position: absolute;
    inset: 0;
    background: 
        radial-gradient(ellipse 100% 80% at 0% 0%, rgba(56, 189, 248, 0.15) 0%, transparent 50%),
        radial-gradient(ellipse 80% 60% at 100% 100%, rgba(20, 184, 166, 0.2) 0%, transparent 50%),
        radial-gradient(ellipse 60% 40% at 50% 50%, rgba(99, 102, 241, 0.1) 0%, transparent 50%);
}

.hero-orb {
    position: absolute;
    border-radius: 50%;
    filter: blur(60px);
    animation: pulse 8s ease-in-out infinite;
    pointer-events: none;
    z-index: 0;
}

.hero-orb-1 {
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(56, 189, 248, 0.4) 0%, transparent 70%);
    top: 10%;
    left: 5%;
}

.hero-orb-2 {
    width: 350px;
    height: 350px;
    background: radial-gradient(circle, rgba(20, 184, 166, 0.35) 0%, transparent 70%);
    bottom: 20%;
    right: 10%;
    animation-delay: -3s;
}

.hero-orb-3 {
    width: 300px;
    height: 300px;
    background: radial-gradient(circle, rgba(139, 92, 246, 0.25) 0%, transparent 70%);
    top: 40%;
    right: 30%;
    animation-delay: -6s;
}

@keyframes pulse {
    0%, 100% { transform: scale(1); opacity: 0.6; }
    50% { transform: scale(1.1); opacity: 0.8; }
}

.hero-content {
    position: relative;
    flex: 1;
    max-width: 640px;
    z-index: 1;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: var(--space-sm);
    padding: var(--space-sm) var(--space-md);
    font-size: 0.8125rem;
    font-weight: 600;
    color: white;
    background: rgba(255, 255, 255, 0.15);
    backdrop-filter: blur(10px);
    border: 1px solid rgba(255, 255, 255, 0.2);
    border-radius: var(--radius-full);
    margin-bottom: var(--space-lg);
    animation: fadeInUp 0.6s ease-out;
}

.hero-badge::before {
    content: '';
    width: 8px;
    height: 8px;
    background: var(--teal-400);
    border-radius: 50%;
    animation: blink 2s ease-in-out infinite;
}

@keyframes blink {
    0%, 100% { opacity: 1; }
    50% { opacity: 0.5; }
}

@keyframes fadeInUp {
    from { opacity: 0; transform: translateY(20px); }
    to { opacity: 1; transform: translateY(0); }
}

.hero-title {
    color: white;
    margin-bottom: var(--space-md);
    text-shadow: 0 2px 20px rgba(0, 0, 0, 0.2);
    animation: fadeInUp 0.6s ease-out 0.1s backwards;
}

.hero-title span {
    background: linear-gradient(135deg, var(--sky-400) 0%, var(--teal-400) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.hero-subtitle {
    font-size: 1.375rem;
    font-weight: 500;
    color: rgba(255, 255, 255, 0.95);
    margin-bottom: var(--space-md);
    animation: fadeInUp 0.6s ease-out 0.2s backwards;
}

.hero-description {
    font-size: 1.0625rem;
    color: rgba(255, 255, 255, 0.75);
    margin-bottom: var(--space-xl);
    line-height: 1.7;
    animation: fadeInUp 0.6s ease-out 0.3s backwards;
}

.hero-buttons {
    display: flex;
    flex-wrap: wrap;
    gap: var(--space-md);
    animation: fadeInUp 0.6s ease-out 0.4s backwards;
    position: relative;
    z-index: 10;
}

.hero-visual {
    position: relative;
    flex: 0 0 auto;
    display: none;
    z-index: 1;
    animation: fadeInRight 0.8s ease-out 0.3s backwards;
}

@keyframes fadeInRight {
    from { opacity: 0; transform: translateX(40px); }
    to { opacity: 1; transform: translateX(0); }
}

.hero-card {
    background: var(--glass-bg);
    backdrop-filter: blur(20px);
    border-radius: var(--radius-2xl);
    padding: var(--space-xl);
    box-shadow: var(--shadow-xl);
    border: 1px solid rgba(255, 255, 255, 0.3);
    min-width: 320px;
    position: relative;
    overflow: hidden;
}

.hero-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: var(--gradient-accent);
}

.hero-card-header {
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--slate-500);
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-bottom: var(--space-xs);
}

.hero-card-amount {
    font-family: var(--font-display);
    font-size: 3rem;
    font-weight: 700;
    background: var(--gradient-primary);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    margin-bottom: var(--space-lg);
}

.hero-card-detail {
    display: flex;
    justify-content: space-between;
    padding: var(--space-sm) 0;
    font-size: 0.9375rem;
    border-top: 1px solid var(--slate-200);
}

.hero-card-detail span:first-child { color: var(--slate-500); }
.hero-card-detail span:last-child { font-weight: 600; color: var(--slate-700); }

/* ===== BUTTONS ===== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: var(--space-sm);
    padding: var(--space-md) var(--space-xl);
    font-family: var(--font-body);
    font-size: 0.9375rem;
    font-weight: 600;
    text-decoration: none;
    border: none;
    border-radius: var(--radius-full);
    cursor: pointer;
    transition: var(--transition);
    position: relative;
    overflow: hidden;
    -webkit-tap-highlight-color: transparent;
    touch-action: manipulation;
    user-select: none;
}

.btn::before {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(255,255,255,0.2) 0%, transparent 50%);
    opacity: 0;
    transition: var(--transition);
}

.btn:hover::before { opacity: 1; }

.btn-primary {
    color: white;
    background: var(--gradient-button);
    box-shadow: 0 4px 16px rgba(30, 90, 138, 0.35);
}

.btn-primary:hover {
    transform: translateY(-3px);
    box-shadow: 0 8px 24px rgba(30, 90, 138, 0.45);
}

.btn-secondary {
    color: white;
    background: rgba(255, 255, 255, 0.15);
    backdrop-filter: blur(10px);
    border: 1px solid rgba(255, 255, 255, 0.3);
}

.btn-secondary:hover {
    background: rgba(255, 255, 255, 0.25);
    transform: translateY(-2px);
}

.btn-outline {
    color: var(--navy-600);
    background: transparent;
    border: 2px solid var(--navy-300);
}

.btn-outline:hover {
    background: var(--navy-600);
    border-color: var(--navy-600);
    color: white;
}

.btn-sm {
    padding: var(--space-sm) var(--space-lg);
    font-size: 0.8125rem;
}

/* ===== TRUST BADGES ===== */
.trust-badges {
    padding: var(--space-2xl) 0;
    background: white;
    position: relative;
    z-index: 10;
}

.badges-grid {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: var(--space-lg);
}

.badge-item {
    display: flex;
    align-items: center;
    gap: var(--space-sm);
    padding: var(--space-md) var(--space-lg);
    font-size: 0.9375rem;
    font-weight: 500;
    color: var(--slate-700);
    background: var(--slate-50);
    border-radius: var(--radius-full);
    border: 1px solid var(--slate-200);
    transition: var(--transition);
}

.badge-item:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
    border-color: var(--sky-300);
}

.badge-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 36px;
    height: 36px;
    background: var(--gradient-button);
    border-radius: 50%;
    color: white;
}

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

/* ===== SECTION HEADERS ===== */
.section-header {
    text-align: center;
    max-width: 640px;
    margin: 0 auto var(--space-2xl);
}

.section-header h2 {
    margin-bottom: var(--space-sm);
    background: var(--gradient-primary);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.section-header p { font-size: 1.125rem; }

/* ===== CALCULATOR SECTION ===== */
.calculator-section {
    padding: var(--space-3xl) 0;
    position: relative;
}

.calculator-layout {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--space-xl);
}

.calc-panel {
    background: var(--glass-bg);
    backdrop-filter: blur(20px);
    border-radius: var(--radius-2xl);
    padding: var(--space-xl);
    box-shadow: var(--shadow-lg);
    border: 1px solid var(--glass-border);
    position: relative;
    overflow: hidden;
    transition: var(--transition);
}

.calc-panel:hover { box-shadow: var(--shadow-xl); }

.calc-panel::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: var(--gradient-accent);
}

.inputs-panel::before { background: var(--gradient-primary); }

.panel-header {
    display: flex;
    align-items: center;
    gap: var(--space-sm);
    margin-bottom: var(--space-lg);
}

.panel-header h3 {
    font-size: 1.25rem;
    color: var(--navy-700);
}

/* Input Groups */
.input-group { margin-bottom: var(--space-lg); }

.input-group label {
    display: flex;
    align-items: center;
    gap: var(--space-sm);
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--slate-600);
    margin-bottom: var(--space-sm);
}

.input-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--space-lg);
}

.input-row.three-col {
    grid-template-columns: repeat(3, 1fr);
}

/* Additional Costs Section */
.additional-costs-section {
    margin-top: var(--space-md);
}

.section-subtitle {
    font-size: 1rem;
    font-weight: 600;
    color: var(--navy-700);
    margin-bottom: var(--space-xs);
}

.section-hint {
    font-size: 0.8125rem;
    color: var(--slate-500);
    margin-bottom: var(--space-lg);
}

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

.input-wrapper input {
    width: 100%;
    padding: var(--space-md) var(--space-lg);
    font-family: var(--font-body);
    font-size: 1.0625rem;
    font-weight: 600;
    color: var(--slate-800);
    background: white;
    border: 2px solid var(--slate-200);
    border-radius: var(--radius-lg);
    transition: var(--transition);
}

.input-wrapper input:hover { border-color: var(--slate-300); }

.input-wrapper input:focus {
    outline: none;
    border-color: var(--sky-400);
    box-shadow: 0 0 0 4px rgba(56, 189, 248, 0.15);
}

.input-wrapper.currency input { padding-left: 2.5rem; }
.input-wrapper.percent input { padding-right: 3rem; }

.input-prefix, .input-suffix {
    position: absolute;
    font-size: 1rem;
    font-weight: 600;
    color: var(--slate-400);
    pointer-events: none;
}

.input-prefix { left: var(--space-md); }
.input-suffix { right: var(--space-md); }

/* Select */
.select-wrapper select {
    width: 100%;
    padding: var(--space-md) var(--space-lg);
    font-family: var(--font-body);
    font-size: 1.0625rem;
    font-weight: 600;
    color: var(--slate-800);
    background: white;
    border: 2px solid var(--slate-200);
    border-radius: var(--radius-lg);
    cursor: pointer;
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='20' viewBox='0 0 24 24' fill='none' stroke='%2364748b' stroke-width='2'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 16px center;
    padding-right: 3rem;
    transition: var(--transition);
}

.select-wrapper select:focus {
    outline: none;
    border-color: var(--sky-400);
    box-shadow: 0 0 0 4px rgba(56, 189, 248, 0.15);
}

/* Divider */
.divider {
    height: 1px;
    background: linear-gradient(90deg, transparent 0%, var(--slate-200) 50%, transparent 100%);
    margin: var(--space-xl) 0;
}

/* Toggle Sections */
.toggle-section {
    margin-bottom: var(--space-md);
    padding: var(--space-md);
    background: var(--slate-50);
    border-radius: var(--radius-lg);
    border: 1px solid var(--slate-100);
    transition: var(--transition);
}

.toggle-header { padding: 0; }

.toggle-label {
    display: flex;
    align-items: center;
    gap: var(--space-sm);
    font-size: 0.9375rem;
    font-weight: 600;
    color: var(--slate-700);
    cursor: pointer;
    user-select: none;
    -webkit-tap-highlight-color: transparent;
    touch-action: manipulation;
}

.toggle-label input[type="checkbox"] { display: none; }

.toggle-switch {
    position: relative;
    width: 48px;
    height: 26px;
    background: var(--slate-300);
    border-radius: var(--radius-full);
    transition: var(--transition);
    flex-shrink: 0;
    touch-action: manipulation;
}

.toggle-switch::after {
    content: '';
    position: absolute;
    top: 3px;
    left: 3px;
    width: 20px;
    height: 20px;
    background: white;
    border-radius: 50%;
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
}

.toggle-label input:checked + .toggle-switch { background: var(--gradient-button); }
.toggle-label input:checked + .toggle-switch::after { left: 25px; }

.toggle-label.small { font-size: 0.8125rem; }
.toggle-label.small .toggle-switch { width: 40px; height: 22px; }
.toggle-label.small .toggle-switch::after { width: 16px; height: 16px; }
.toggle-label.small input:checked + .toggle-switch::after { left: 21px; }

.toggle-content { padding: var(--space-md) 0 0 56px; }
.toggle-content.hidden { display: none; }

/* Radio Groups */
.radio-group {
    display: flex;
    gap: var(--space-md);
    margin-bottom: var(--space-md);
}

.radio-label {
    display: flex;
    align-items: center;
    gap: var(--space-sm);
    padding: var(--space-sm) var(--space-md);
    font-size: 0.875rem;
    font-weight: 500;
    color: var(--slate-600);
    background: white;
    border: 2px solid var(--slate-200);
    border-radius: var(--radius);
    cursor: pointer;
    transition: var(--transition);
}

.radio-label input[type="radio"] {
    width: 18px;
    height: 18px;
    accent-color: var(--sky-500);
}

/* Outputs Panel */
.total-payment {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    padding: var(--space-xl);
    background: var(--gradient-hero);
    border-radius: var(--radius-xl);
    margin-bottom: var(--space-lg);
    position: relative;
    overflow: hidden;
}

.total-payment::before {
    content: '';
    position: absolute;
    inset: 0;
    background: 
        radial-gradient(ellipse 100% 100% at 0% 0%, rgba(56, 189, 248, 0.2) 0%, transparent 50%),
        radial-gradient(ellipse 80% 80% at 100% 100%, rgba(20, 184, 166, 0.15) 0%, transparent 50%);
}

.total-label {
    position: relative;
    font-size: 0.875rem;
    font-weight: 600;
    color: rgba(255, 255, 255, 0.8);
    text-transform: uppercase;
    letter-spacing: 0.1em;
    margin-bottom: var(--space-xs);
}

.total-amount {
    position: relative;
    font-family: var(--font-display);
    font-size: 3rem;
    font-weight: 700;
    color: white;
    text-shadow: 0 2px 10px rgba(0, 0, 0, 0.2);
}

/* Payment Breakdown */
.payment-breakdown {
    display: flex;
    flex-direction: column;
    gap: var(--space-sm);
}

.breakdown-item {
    display: flex;
    align-items: center;
    gap: var(--space-sm);
    padding: var(--space-md);
    background: var(--slate-50);
    border-radius: var(--radius);
    transition: var(--transition);
}

.breakdown-item:hover { background: var(--slate-100); }
.breakdown-item.hidden { display: none; }

.breakdown-color {
    width: 14px;
    height: 14px;
    border-radius: 4px;
    flex-shrink: 0;
    box-shadow: 0 2px 4px rgba(0, 0, 0, 0.1);
}

.breakdown-label {
    flex: 1;
    font-size: 0.9375rem;
    font-weight: 500;
    color: var(--slate-600);
}

.breakdown-value {
    font-size: 1rem;
    font-weight: 700;
    color: var(--slate-800);
}

/* Loan Totals */
.loan-totals {
    display: flex;
    flex-direction: column;
    gap: var(--space-sm);
}

.totals-row {
    display: flex;
    justify-content: space-between;
    padding: var(--space-sm) 0;
    font-size: 0.9375rem;
}

.totals-row span:first-child { color: var(--slate-500); }
.totals-row span:last-child { font-weight: 600; color: var(--slate-700); }

.totals-row.total-cost {
    padding: var(--space-md);
    background: linear-gradient(135deg, rgba(30, 58, 95, 0.05) 0%, rgba(13, 148, 136, 0.05) 100%);
    border-radius: var(--radius);
    margin-top: var(--space-sm);
}

.totals-row.total-cost span:first-child { font-weight: 600; color: var(--slate-700); }
.totals-row.total-cost span:last-child {
    font-size: 1.25rem;
    font-weight: 700;
    background: var(--gradient-primary);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

/* Chart Container */
.chart-container {
    display: flex;
    justify-content: center;
    margin-top: var(--space-xl);
    padding: var(--space-lg);
    background: var(--slate-50);
    border-radius: var(--radius-lg);
}

#paymentChart { max-width: 280px; max-height: 280px; }

/* ===== AMORTIZATION SECTION ===== */
.amortization-section {
    margin-top: var(--space-2xl);
    background: var(--glass-bg);
    backdrop-filter: blur(20px);
    border-radius: var(--radius-2xl);
    padding: var(--space-xl);
    box-shadow: var(--shadow-lg);
    border: 1px solid var(--glass-border);
    display: block !important;
    visibility: visible !important;
    opacity: 1 !important;
}

.amort-header {
    display: flex;
    flex-wrap: wrap;
    justify-content: space-between;
    align-items: center;
    gap: var(--space-md);
    margin-bottom: var(--space-xl);
}

.amort-header h3 {
    font-size: 1.25rem;
    background: var(--gradient-primary);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.amort-controls {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: var(--space-md);
}

/* Balance Chart */
.balance-chart-container {
    margin-bottom: var(--space-xl);
    padding: var(--space-lg);
    background: linear-gradient(135deg, var(--slate-50) 0%, white 100%);
    border-radius: var(--radius-lg);
    border: 1px solid var(--slate-100);
    display: block;
    min-height: 320px;
}

#balanceChart { 
    width: 100%; 
    max-height: 300px;
    display: block;
}

/* Amortization Table */
.amort-table-wrapper {
    overflow-x: auto;
    overflow-y: visible;
    border-radius: var(--radius-lg);
    border: 1px solid var(--slate-200);
    background: white;
    -webkit-overflow-scrolling: touch;
}

.amort-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.875rem;
}

.amort-table thead {
    position: sticky;
    top: 0;
    z-index: 10;
}

.amort-table th {
    padding: var(--space-md) var(--space-lg);
    text-align: right;
    font-weight: 700;
    font-size: 0.75rem;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--slate-500);
    background: linear-gradient(180deg, var(--slate-100) 0%, var(--slate-50) 100%);
    border-bottom: 2px solid var(--slate-200);
}

.amort-table th:first-child { text-align: left; }

.amort-table td {
    padding: var(--space-md) var(--space-lg);
    text-align: right;
    color: var(--slate-700);
    border-bottom: 1px solid var(--slate-100);
    font-weight: 500;
}

.amort-table td:first-child {
    text-align: left;
    font-weight: 600;
    color: var(--slate-600);
}

.amort-table tbody tr { transition: var(--transition-fast); }

.amort-table tbody tr:hover {
    background: linear-gradient(90deg, rgba(56, 189, 248, 0.05) 0%, rgba(20, 184, 166, 0.05) 100%);
}

.amort-table .year-row {
    background: linear-gradient(90deg, rgba(30, 58, 95, 0.08) 0%, rgba(30, 90, 138, 0.04) 100%);
}

.amort-table .year-row td { font-weight: 700; color: var(--navy-600); }

/* ===== FEATURES SECTION ===== */
.features-section {
    padding: var(--space-3xl) 0;
    background: linear-gradient(180deg, white 0%, var(--slate-50) 100%);
}

.features-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: var(--space-lg);
}

.feature-card {
    background: white;
    border-radius: var(--radius-xl);
    padding: var(--space-xl);
    border: 1px solid var(--slate-200);
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.feature-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--gradient-accent);
    transform: scaleX(0);
    transition: var(--transition);
}

.feature-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-xl);
    border-color: var(--sky-200);
}

.feature-card:hover::before { transform: scaleX(1); }

.feature-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 60px;
    height: 60px;
    background: var(--gradient-button);
    border-radius: var(--radius-lg);
    color: white;
    margin-bottom: var(--space-md);
    transition: var(--transition);
}

.feature-card:hover .feature-icon {
    transform: scale(1.1);
    box-shadow: var(--shadow-glow);
}

.feature-card h4 {
    margin-bottom: var(--space-sm);
    color: var(--navy-700);
    font-size: 1.125rem;
}

.feature-card p {
    font-size: 0.9375rem;
    line-height: 1.7;
}

/* ===== FAQ SECTION ===== */
.faq-section {
    padding: var(--space-3xl) 0;
    background: white;
}

.faq-list {
    max-width: 800px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: var(--space-md);
}

.faq-item {
    background: var(--slate-50);
    border-radius: var(--radius-xl);
    overflow: hidden;
    border: 1px solid var(--slate-200);
    transition: var(--transition);
}

.faq-item:hover { border-color: var(--sky-200); }

.faq-item.active {
    border-color: var(--sky-300);
    box-shadow: var(--shadow-md);
}

.faq-question {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: var(--space-lg) var(--space-xl);
    font-family: var(--font-body);
    font-size: 1rem;
    font-weight: 600;
    color: var(--slate-800);
    background: none;
    border: none;
    cursor: pointer;
    text-align: left;
    transition: var(--transition);
    /* Mobile touch fixes */
    -webkit-tap-highlight-color: transparent;
    touch-action: manipulation;
    user-select: none;
    min-height: 56px;
}

.faq-question span {
    pointer-events: none;
}

.faq-question:hover { background: var(--slate-100); }

.faq-question svg {
    flex-shrink: 0;
    width: 24px;
    height: 24px;
    padding: 4px;
    color: var(--sky-500);
    background: white;
    border-radius: 50%;
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
    pointer-events: none;
}

.faq-item.active .faq-question svg {
    transform: rotate(180deg);
    background: var(--gradient-button);
    color: white;
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s ease, padding 0.3s ease;
}

.faq-item.active .faq-answer { max-height: 500px; }

.faq-answer p {
    padding: 0 var(--space-xl) var(--space-xl);
    font-size: 0.9375rem;
    line-height: 1.8;
}

/* ===== INSTALL PROMPT ===== */
.install-prompt {
    position: fixed;
    bottom: var(--space-lg);
    left: 50%;
    transform: translateX(-50%);
    z-index: 1000;
    display: flex;
    flex-direction: column;
    gap: var(--space-md);
    padding: var(--space-lg);
    background: var(--glass-bg);
    backdrop-filter: blur(20px);
    border-radius: var(--radius-2xl);
    box-shadow: var(--shadow-xl);
    border: 1px solid var(--glass-border);
    max-width: calc(100% - var(--space-xl));
    width: 380px;
    animation: slideUp 0.4s ease;
}

.install-prompt.hidden { display: none; }

.install-content {
    display: flex;
    align-items: center;
    gap: var(--space-md);
}

.install-icon {
    width: 56px;
    height: 56px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
}

.install-text {
    display: flex;
    flex-direction: column;
    gap: 4px;
}

.install-text strong { font-size: 1rem; color: var(--slate-800); }
.install-text span { font-size: 0.8125rem; color: var(--slate-500); }

.install-actions {
    display: flex;
    gap: var(--space-sm);
}

.install-actions .btn { flex: 1; }

/* ===== FOOTER ===== */
.footer {
    padding: var(--space-2xl) 0 var(--space-lg);
    background: var(--gradient-hero);
    color: white;
    position: relative;
    overflow: hidden;
}

.footer::before {
    content: '';
    position: absolute;
    inset: 0;
    background: 
        radial-gradient(ellipse 80% 60% at 20% 120%, rgba(56, 189, 248, 0.1) 0%, transparent 50%),
        radial-gradient(ellipse 60% 40% at 80% -20%, rgba(20, 184, 166, 0.1) 0%, transparent 50%);
}

.footer-content {
    position: relative;
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--space-xl);
    padding-bottom: var(--space-xl);
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-brand {
    display: flex;
    align-items: center;
    gap: var(--space-md);
}

.footer-logo {
    width: 56px;
    height: 56px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
}

.footer-brand strong { display: block; font-size: 1.25rem; }
.footer-brand span { font-size: 0.875rem; opacity: 0.7; }

.footer-compliance p {
    font-size: 0.8125rem;
    line-height: 1.8;
    opacity: 0.7;
    margin-bottom: var(--space-sm);
    color: white;
}

.footer-compliance p strong { opacity: 1; color: white; }

.footer-bottom {
    position: relative;
    padding-top: var(--space-lg);
    text-align: center;
}

.footer-bottom p {
    font-size: 0.8125rem;
    opacity: 0.5;
    color: white;
}

/* ===== UTILITY ===== */
.hidden { display: none !important; }

/* ===== RESPONSIVE ===== */
@media (min-width: 768px) {
    .hero-visual { display: block; }
    .calculator-layout { grid-template-columns: 1fr 1fr; }
    .footer-content { grid-template-columns: auto 1fr; }
}

@media (min-width: 768px) and (max-width: 1023px) {
    .input-row.three-col { grid-template-columns: 1fr 1fr; }
}

@media (min-width: 1024px) {
    .hero {
        display: flex;
        justify-content: space-between;
        align-items: center;
        gap: var(--space-3xl);
    }
    .hero-content { flex: 0 0 55%; }
    .hero-visual { flex: 0 0 40%; display: flex; justify-content: flex-end; }
    .hero-card { min-width: 360px; }
}

@media (max-width: 767px) {
    .nav-links, .nav-cta { display: none; }
    .mobile-menu-btn { display: flex; }
    .nav-links.active {
        display: flex;
        flex-direction: column;
        position: absolute;
        top: 72px;
        left: 0;
        right: 0;
        background: var(--glass-bg);
        backdrop-filter: blur(20px);
        padding: var(--space-lg);
        border-bottom: 1px solid var(--glass-border);
        box-shadow: var(--shadow-lg);
    }
    .input-row { grid-template-columns: 1fr; }
    .input-row.three-col { grid-template-columns: 1fr; }
    .badges-grid { flex-direction: column; align-items: center; }
    .amort-header { flex-direction: column; align-items: flex-start; gap: var(--space-md); }
    .amort-controls { width: 100%; justify-content: space-between; }
    .hero-buttons { flex-direction: column; }
    .hero-buttons .btn { width: 100%; }
    .total-amount { font-size: 2.25rem; }
    .features-grid { grid-template-columns: 1fr; }
    
    /* Mobile amortization - ensure full visibility */
    .amortization-section {
        display: block !important;
        visibility: visible !important;
        opacity: 1 !important;
        margin-top: var(--space-xl);
        padding: var(--space-md);
    }
    .balance-chart-container {
        margin: 0 calc(-1 * var(--space-md)) var(--space-lg);
        border-radius: 0;
        padding: var(--space-md);
        min-height: 320px;
    }
    #balanceChart {
        width: 100% !important;
        height: 300px !important;
    }
    .amort-table-wrapper {
        -webkit-overflow-scrolling: touch;
        margin: 0 calc(-1 * var(--space-md));
        border-radius: 0;
        border-left: none;
        border-right: none;
        overflow-x: auto;
        overflow-y: visible;
    }
    .amort-table { font-size: 0.75rem; min-width: 420px; }
    .amort-table th,
    .amort-table td { padding: var(--space-sm) var(--space-xs); white-space: nowrap; }
    
    /* Mobile toggle fix */
    .toggle-label {
        -webkit-tap-highlight-color: transparent;
        touch-action: manipulation;
    }
    .toggle-switch {
        touch-action: manipulation;
    }
    
    /* Mobile FAQ fixes */
    .faq-question {
        padding: var(--space-md) var(--space-lg);
    }
    
    /* Mobile additional costs */
    .additional-costs-section .input-group {
        margin-bottom: var(--space-md);
    }
}

/* Scrollbar */
::-webkit-scrollbar { width: 8px; height: 8px; }
::-webkit-scrollbar-track { background: var(--slate-100); border-radius: 4px; }
::-webkit-scrollbar-thumb { background: var(--slate-300); border-radius: 4px; }
::-webkit-scrollbar-thumb:hover { background: var(--slate-400); }

::selection { background: rgba(56, 189, 248, 0.3); color: var(--navy-800); }

/* Global touch improvements for mobile */
a, button, input, select, textarea, label, [onclick] {
    touch-action: manipulation;
    -webkit-tap-highlight-color: transparent;
}

.btn, .nav-link, .nav-cta, .faq-question, .term-btn {
    touch-action: manipulation;
    -webkit-tap-highlight-color: transparent;
    cursor: pointer;
}