/* ==========================================================================
   Mortgage US: Loan Calculator — Design System & Stylesheet v2.0
   Design Philosophy: Deep Space Dark + Emerald Neon + Glassmorphism v2.0
   ========================================================================== */

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

/* --- Root Design Tokens --- */
:root {
  /* Color Palette matching iOS AppTheme.swift */
  --bg-dark: #050B1A;
  --bg-surface: #0A1628;
  --bg-card: #0D1F3A;
  --bg-card-hover: #12284C;
  --bg-elevated: #152A4E;
  
  --emerald-primary: #00D484;
  --emerald-light: #00F0A0;
  --emerald-dark: #009962;
  --emerald-glow: rgba(0, 212, 132, 0.35);
  --emerald-glow-subtle: rgba(0, 212, 132, 0.12);
  
  --teal-accent: #00B4D8;
  --teal-glow: rgba(0, 180, 216, 0.25);
  
  --chart-principal: #00D484;
  --chart-interest: #38C8FF;
  --chart-tax: #FFB800;
  --chart-insurance: #FF5CA8;
  --chart-pmi: #BF7AFF;
  --chart-hoa: #718096;

  /* Typography Colors */
  --text-white: #F0F6FF;
  --text-body: #C2D3E8;
  --text-muted: #8BA4C4;
  --text-subtle: #4A6080;
  
  /* Glassmorphism & Borders */
  --glass-bg: rgba(13, 31, 58, 0.65);
  --glass-bg-heavy: rgba(10, 22, 40, 0.88);
  --glass-border: rgba(255, 255, 255, 0.08);
  --glass-border-hover: rgba(0, 212, 132, 0.35);
  --glass-highlight: rgba(255, 255, 255, 0.15);
  --glass-blur: blur(20px);
  
  /* Shadow & Elevation */
  --shadow-sm: 0 4px 16px rgba(0, 0, 0, 0.25);
  --shadow-md: 0 12px 32px rgba(0, 0, 0, 0.4);
  --shadow-lg: 0 24px 60px rgba(0, 0, 0, 0.55);
  --shadow-glow: 0 0 40px var(--emerald-glow);
  --shadow-card-glow: 0 16px 40px rgba(0, 212, 132, 0.15);

  /* Fonts */
  --font-heading: 'Outfit', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-body: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-mono: 'JetBrains Mono', monospace;

  /* Transitions */
  --transition-smooth: all 0.28s cubic-bezier(0.16, 1, 0.3, 1);
  --transition-spring: all 0.45s cubic-bezier(0.34, 1.56, 0.64, 1);
}

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
  background-color: var(--bg-dark);
  overflow-x: hidden;
  width: 100%;
}

body {
  font-family: var(--font-body);
  color: var(--text-body);
  background: var(--bg-dark);
  line-height: 1.65;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  position: relative;
}

/* --- Ambient Background Glows --- */
.ambient-glow-wrapper {
  position: fixed;
  top: 0;
  left: 0;
  width: 100vw;
  height: 100vh;
  pointer-events: none;
  z-index: 0;
  overflow: hidden;
}

.glow-top-left {
  position: absolute;
  top: -150px;
  left: -150px;
  width: 700px;
  height: 700px;
  background: radial-gradient(circle, rgba(0, 212, 132, 0.12) 0%, rgba(0, 212, 132, 0) 70%);
  filter: blur(80px);
}

.glow-top-right {
  position: absolute;
  top: 100px;
  right: -200px;
  width: 800px;
  height: 800px;
  background: radial-gradient(circle, rgba(0, 180, 216, 0.10) 0%, rgba(0, 180, 216, 0) 70%);
  filter: blur(100px);
}

.glow-center {
  position: absolute;
  top: 45%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 900px;
  height: 900px;
  background: radial-gradient(circle, rgba(13, 31, 58, 0.7) 0%, rgba(5, 11, 26, 0) 75%);
  filter: blur(120px);
}

/* --- Typography Helpers --- */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  color: var(--text-white);
  font-weight: 700;
  line-height: 1.25;
}

p {
  color: var(--text-body);
}

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

.text-gradient {
  background: linear-gradient(135deg, #FFFFFF 0%, #E0F2FE 45%, var(--emerald-light) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.text-emerald {
  color: var(--emerald-primary);
}

.text-teal {
  color: var(--teal-accent);
}

/* --- Layout Container --- */
.container {
  width: 100%;
  max-width: 1240px;
  margin-left: auto;
  margin-right: auto;
  padding-left: 24px;
  padding-right: 24px;
  position: relative;
  z-index: 1;
}

/* --- Glassmorphic Card --- */
.glass-panel {
  background: var(--glass-bg);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid var(--glass-border);
  border-radius: 20px;
  box-shadow: var(--shadow-sm);
  transition: var(--transition-smooth);
}

.glass-panel:hover {
  border-color: var(--glass-border-hover);
  box-shadow: var(--shadow-md);
}

/* --- Buttons --- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 13px 26px;
  border-radius: 14px;
  cursor: pointer;
  transition: var(--transition-smooth);
  border: 1px solid transparent;
  outline: none;
}

.btn-primary {
  background: linear-gradient(135deg, var(--emerald-primary) 0%, var(--emerald-dark) 100%);
  color: #03130C;
  font-weight: 700;
  box-shadow: 0 4px 20px var(--emerald-glow);
}

.btn-primary:hover {
  background: linear-gradient(135deg, var(--emerald-light) 0%, var(--emerald-primary) 100%);
  box-shadow: 0 8px 30px rgba(0, 212, 132, 0.5);
  transform: translateY(-2px);
  color: #03130C;
}

.btn-secondary {
  background: rgba(255, 255, 255, 0.05);
  color: var(--text-white);
  border-color: var(--glass-border);
  backdrop-filter: var(--glass-blur);
}

.btn-secondary:hover {
  background: rgba(255, 255, 255, 0.1);
  border-color: rgba(255, 255, 255, 0.2);
  color: var(--emerald-light);
  transform: translateY(-2px);
}

.appstore-badge-btn {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  background: #000000;
  color: #FFFFFF;
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 14px;
  padding: 10px 22px;
  transition: var(--transition-smooth);
  box-shadow: 0 6px 20px rgba(0,0,0,0.5);
}

.appstore-badge-btn:hover {
  border-color: var(--emerald-primary);
  transform: translateY(-2px);
  box-shadow: 0 10px 30px rgba(0, 212, 132, 0.25);
}

.appstore-badge-btn svg {
  width: 28px;
  height: 28px;
  fill: currentColor;
}

.appstore-badge-text {
  display: flex;
  flex-direction: column;
  text-align: left;
  line-height: 1.1;
}

.appstore-badge-text .badge-sub {
  font-size: 0.68rem;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: var(--text-muted);
}

.appstore-badge-text .badge-title {
  font-family: var(--font-heading);
  font-size: 1.15rem;
  font-weight: 700;
  color: #FFFFFF;
}

/* --- Section Headers --- */
.section-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 14px;
  background: var(--emerald-glow-subtle);
  border: 1px solid rgba(0, 212, 132, 0.25);
  border-radius: 100px;
  color: var(--emerald-light);
  font-family: var(--font-heading);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-bottom: 16px;
}

.section-tag-dot {
  width: 7px;
  height: 7px;
  background: var(--emerald-primary);
  border-radius: 50%;
  box-shadow: 0 0 10px var(--emerald-primary);
  animation: pulse-dot 2s infinite ease-in-out;
}

@keyframes pulse-dot {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.4; transform: scale(0.8); }
}

.section-title {
  font-size: clamp(2rem, 3.8vw, 3rem);
  font-weight: 800;
  letter-spacing: -0.5px;
  margin-bottom: 16px;
}

.section-subtitle {
  font-size: 1.12rem;
  color: var(--text-muted);
  max-width: 680px;
  margin-bottom: 48px;
}

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

.text-center .section-subtitle {
  margin-left: auto;
  margin-right: auto;
}

/* ==========================================================================
   NAVIGATION BAR
   ========================================================================== */
/* ==========================================================================
   NAVIGATION BAR (Spacious, Floating Glass Island / Bar)
   ========================================================================== */
.site-header {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  z-index: 1000;
  padding: 22px 0;
  transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

.site-header.scrolled {
  padding: 12px 0;
  background: rgba(5, 11, 26, 0.88);
  backdrop-filter: blur(24px);
  -webkit-backdrop-filter: blur(24px);
  border-bottom: 1px solid var(--glass-border);
  box-shadow: 0 10px 32px rgba(0, 0, 0, 0.5);
}

.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
}

.brand-logo {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-shrink: 0;
}

.brand-icon-img {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  box-shadow: 0 4px 16px rgba(0, 212, 132, 0.25);
  border: 1px solid rgba(255, 255, 255, 0.15);
  transition: var(--transition-smooth);
}

.brand-logo:hover .brand-icon-img {
  transform: scale(1.05);
  box-shadow: 0 6px 22px rgba(0, 212, 132, 0.45);
}

.brand-text {
  display: flex;
  flex-direction: column;
}

.brand-title {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.25rem;
  color: var(--text-white);
  line-height: 1.1;
  letter-spacing: -0.3px;
}

.brand-badge {
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--emerald-light);
  letter-spacing: 0.8px;
  text-transform: uppercase;
  margin-top: 2px;
}

/* Nav Links - Luxurious Floating Pill */
.nav-links {
  display: flex;
  align-items: center;
  gap: 6px;
  list-style: none;
  background: rgba(13, 31, 58, 0.55);
  padding: 6px 10px;
  border-radius: 100px;
  border: 1px solid var(--glass-border);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
}

.nav-link {
  font-family: var(--font-heading);
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--text-muted);
  position: relative;
  padding: 8px 18px;
  border-radius: 100px;
  transition: var(--transition-smooth);
  white-space: nowrap;
}

.nav-link:hover, .nav-link.active {
  color: var(--text-white);
  background: rgba(255, 255, 255, 0.09);
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-shrink: 0;
}

/* Modern Glass Hamburger Button */
.mobile-toggle {
  display: none;
  background: rgba(13, 31, 58, 0.8);
  border: 1px solid var(--glass-border);
  border-radius: 12px;
  width: 44px;
  height: 44px;
  align-items: center;
  justify-content: center;
  color: var(--text-white);
  font-size: 1.4rem;
  cursor: pointer;
  transition: var(--transition-smooth);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
}

.mobile-toggle:hover {
  border-color: var(--emerald-primary);
  background: rgba(0, 212, 132, 0.12);
  color: var(--emerald-light);
}

/* Mobile Drawer: STRICTLY HIDDEN ON DESKTOP */
.mobile-nav-drawer {
  display: none !important;
}

/* ==========================================================================
   HERO SECTION
   ========================================================================== */
.hero-section {
  padding-top: 170px;
  padding-bottom: 100px;
  position: relative;
  overflow: hidden;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 48px;
  align-items: center;
}

.hero-content {
  max-width: 640px;
}

.hero-tag {
  margin-bottom: 20px;
}

.hero-title {
  font-size: clamp(2.4rem, 4.4vw, 3.75rem);
  font-weight: 800;
  line-height: 1.14;
  letter-spacing: -0.8px;
  margin-bottom: 22px;
}

.hero-description {
  font-size: 1.18rem;
  color: var(--text-body);
  line-height: 1.65;
  margin-bottom: 34px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 16px;
  margin-bottom: 40px;
}

.hero-badges-row {
  display: flex;
  align-items: center;
  gap: 28px;
  padding-top: 24px;
  border-top: 1px solid var(--glass-border);
}

.stat-chip {
  display: flex;
  align-items: center;
  gap: 10px;
}

.stat-chip-icon {
  width: 36px;
  height: 36px;
  border-radius: 10px;
  background: var(--emerald-glow-subtle);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--emerald-light);
  font-size: 1.1rem;
}

.stat-chip-info {
  display: flex;
  flex-direction: column;
}

.stat-chip-num {
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 700;
  color: var(--text-white);
  line-height: 1.1;
}

.stat-chip-label {
  font-size: 0.76rem;
  color: var(--text-muted);
}

/* --- Hero Phone Mockup --- */
.hero-visual {
  position: relative;
  display: flex;
  justify-content: center;
  align-items: center;
}

.phone-mockup-wrapper {
  position: relative;
  z-index: 2;
  perspective: 1000px;
}

.phone-device {
  width: 300px;
  height: 620px;
  background: #02050A;
  border-radius: 46px;
  border: 4px solid #23344E;
  box-shadow: 
    0 0 0 2px rgba(255, 255, 255, 0.08),
    0 30px 80px rgba(0, 0, 0, 0.8),
    0 0 60px rgba(0, 212, 132, 0.18);
  position: relative;
  overflow: hidden;
  transition: transform 0.4s ease-out;
}

.phone-device:hover {
  transform: translateY(-8px) rotateX(2deg) rotateY(-2deg);
}

.phone-screen-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

/* Floating Metrics over Mockup */
.floating-stat-card {
  position: absolute;
  z-index: 10;
  padding: 14px 18px;
  border-radius: 16px;
  background: rgba(10, 22, 40, 0.92);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border: 1px solid rgba(0, 212, 132, 0.35);
  box-shadow: 0 12px 30px rgba(0, 0, 0, 0.6);
  animation: float 4s ease-in-out infinite;
}

.floating-card-1 {
  top: 18%;
  left: -55px;
}

.floating-card-2 {
  bottom: 22%;
  right: -50px;
  animation-delay: -2s;
  border-color: rgba(56, 200, 255, 0.35);
}

@keyframes float {
  0%, 100% { transform: translateY(0px); }
  50% { transform: translateY(-10px); }
}

.floating-card-label {
  font-size: 0.75rem;
  color: var(--text-muted);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 2px;
}

.floating-card-val {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--emerald-light);
}

.floating-card-val.teal {
  color: #38C8FF;
}

/* ==========================================================================
   INTERACTIVE LIVE CALCULATOR WIDGET (ON WEB)
   ========================================================================== */
.calculator-section {
  padding: 100px 0;
  position: relative;
}

.calc-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 32px;
  background: var(--glass-bg-heavy);
  border: 1px solid rgba(0, 212, 132, 0.25);
  border-radius: 28px;
  padding: 40px;
  box-shadow: var(--shadow-card-glow);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
}

.calc-inputs-col {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.input-row-group {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

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

.calc-field-label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--text-white);
}

.calc-field-badge {
  font-size: 0.78rem;
  color: var(--emerald-light);
  font-weight: 600;
  font-family: var(--font-mono);
}

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

.calc-input-icon {
  position: absolute;
  left: 14px;
  color: var(--text-muted);
  font-weight: 600;
}

.calc-input {
  width: 100%;
  background: var(--bg-surface);
  border: 1px solid var(--glass-border);
  border-radius: 12px;
  padding: 12px 14px 12px 34px;
  color: var(--text-white);
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 600;
  transition: var(--transition-smooth);
}

.calc-input:focus {
  outline: none;
  border-color: var(--emerald-primary);
  box-shadow: 0 0 15px rgba(0, 212, 132, 0.25);
}

.calc-slider {
  width: 100%;
  height: 6px;
  border-radius: 4px;
  background: #152A4E;
  outline: none;
  -webkit-appearance: none;
  margin-top: 6px;
}

.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--emerald-primary);
  cursor: pointer;
  box-shadow: 0 0 10px var(--emerald-primary);
  transition: transform 0.15s ease;
}

.calc-slider::-webkit-slider-thumb:hover {
  transform: scale(1.2);
}

/* Results Display */
.calc-results-col {
  background: linear-gradient(165deg, rgba(13, 31, 58, 0.9) 0%, rgba(10, 22, 40, 0.95) 100%);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 22px;
  padding: 32px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.result-hero-box {
  text-align: center;
  padding-bottom: 24px;
  border-bottom: 1px solid var(--glass-border);
  margin-bottom: 24px;
}

.result-hero-label {
  font-size: 0.85rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--text-muted);
  margin-bottom: 6px;
}

.result-hero-amount {
  font-family: var(--font-heading);
  font-size: 2.8rem;
  font-weight: 800;
  color: var(--emerald-light);
  line-height: 1.1;
  text-shadow: 0 0 30px var(--emerald-glow);
}

.result-hero-term {
  font-size: 0.85rem;
  color: var(--text-muted);
  margin-top: 4px;
}

/* Breakdown Progress Bar */
.breakdown-stacked-bar {
  height: 12px;
  border-radius: 8px;
  display: flex;
  overflow: hidden;
  margin-bottom: 20px;
  background: #152A4E;
}

.breakdown-seg {
  height: 100%;
  transition: width 0.4s ease;
}

.seg-principal { background: var(--chart-principal); }
.seg-interest  { background: var(--chart-interest); }
.seg-tax       { background: var(--chart-tax); }
.seg-insurance { background: var(--chart-insurance); }
.seg-pmi       { background: var(--chart-pmi); }

/* Breakdown items list */
.breakdown-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.breakdown-item {
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 0.92rem;
}

.breakdown-title {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--text-body);
}

.color-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
}

.breakdown-val {
  font-family: var(--font-heading);
  font-weight: 700;
  color: var(--text-white);
}

.calc-note-box {
  margin-top: 24px;
  padding: 12px 16px;
  background: rgba(0, 212, 132, 0.08);
  border-left: 3px solid var(--emerald-primary);
  border-radius: 8px;
  font-size: 0.82rem;
  color: var(--text-muted);
}

/* ==========================================================================
   FEATURES SECTION
   ========================================================================== */
.features-section {
  padding: 100px 0;
  position: relative;
}

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

.feature-card {
  padding: 32px 28px;
  border-radius: 22px;
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
}

.feature-icon-box {
  width: 54px;
  height: 54px;
  border-radius: 14px;
  background: var(--emerald-glow-subtle);
  border: 1px solid rgba(0, 212, 132, 0.25);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--emerald-light);
  font-size: 1.5rem;
  margin-bottom: 22px;
  transition: var(--transition-smooth);
}

.feature-card:hover .feature-icon-box {
  transform: scale(1.1);
  background: rgba(0, 212, 132, 0.2);
  box-shadow: 0 0 20px var(--emerald-glow);
}

.feature-title {
  font-size: 1.35rem;
  font-weight: 700;
  margin-bottom: 12px;
  color: var(--text-white);
}

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

/* ==========================================================================
   APP SHOWCASE / SCREEN GALLERY
   ========================================================================== */
.showcase-section {
  padding: 100px 0;
  background: linear-gradient(180deg, rgba(5, 11, 26, 0) 0%, rgba(10, 22, 40, 0.6) 50%, rgba(5, 11, 26, 0) 100%);
}

.showcase-tabs-nav {
  display: flex;
  justify-content: center;
  gap: 12px;
  margin-bottom: 40px;
  flex-wrap: wrap;
}

.showcase-tab-btn {
  padding: 10px 22px;
  border-radius: 100px;
  background: var(--bg-surface);
  border: 1px solid var(--glass-border);
  color: var(--text-muted);
  font-family: var(--font-heading);
  font-size: 0.9rem;
  font-weight: 600;
  cursor: pointer;
  transition: var(--transition-smooth);
}

.showcase-tab-btn:hover {
  color: var(--text-white);
  border-color: rgba(255, 255, 255, 0.2);
}

.showcase-tab-btn.active {
  background: var(--emerald-glow-subtle);
  border-color: var(--emerald-primary);
  color: var(--emerald-light);
  box-shadow: 0 0 20px rgba(0, 212, 132, 0.25);
}

.showcase-display {
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  gap: 48px;
  align-items: center;
  background: var(--glass-bg-heavy);
  border: 1px solid var(--glass-border);
  border-radius: 28px;
  padding: 48px;
}

.showcase-mockup-frame {
  display: flex;
  justify-content: center;
}

.showcase-phone {
  width: 270px;
  height: 560px;
  border-radius: 40px;
  background: #000;
  border: 4px solid #2A3C58;
  box-shadow: 0 20px 60px rgba(0,0,0,0.8), 0 0 40px rgba(0, 212, 132, 0.15);
  overflow: hidden;
}

.showcase-phone img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.showcase-info h3 {
  font-size: 2rem;
  margin-bottom: 14px;
}

.showcase-info p {
  font-size: 1.05rem;
  color: var(--text-body);
  margin-bottom: 24px;
}

.showcase-bullets {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-bottom: 32px;
}

.showcase-bullet-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.95rem;
  color: var(--text-body);
}

.showcase-bullet-icon {
  color: var(--emerald-light);
  font-size: 1.1rem;
  margin-top: 1px;
}

/* ==========================================================================
   LOAN PROGRAMS COMPARISON MATRIX
   ========================================================================== */
.programs-section {
  padding: 100px 0;
}

.programs-table-wrap {
  overflow-x: auto;
  border-radius: 20px;
  border: 1px solid var(--glass-border);
  background: var(--glass-bg-heavy);
  backdrop-filter: var(--glass-blur);
}

.programs-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
  min-width: 680px;
}

.programs-table th {
  padding: 18px 22px;
  background: rgba(13, 31, 58, 0.85);
  font-family: var(--font-heading);
  font-size: 0.85rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: var(--text-white);
  border-bottom: 1px solid var(--glass-border);
}

.programs-table td {
  padding: 18px 22px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.05);
  font-size: 0.92rem;
  color: var(--text-body);
}

.programs-table tr:hover td {
  background: rgba(255, 255, 255, 0.03);
}

.badge-tag {
  display: inline-block;
  padding: 3px 10px;
  border-radius: 6px;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.4px;
}

.badge-tag.emerald {
  background: rgba(0, 212, 132, 0.15);
  color: var(--emerald-light);
}

.badge-tag.teal {
  background: rgba(0, 180, 216, 0.15);
  color: var(--teal-accent);
}

.badge-tag.gold {
  background: rgba(255, 184, 0, 0.15);
  color: #FFB800;
}

/* ==========================================================================
   PRIVACY & SECURITY HIGHLIGHT
   ========================================================================== */
.security-section {
  padding: 100px 0;
}

.security-box {
  background: linear-gradient(135deg, rgba(13, 31, 58, 0.8) 0%, rgba(7, 18, 38, 0.95) 100%);
  border: 1px solid rgba(0, 212, 132, 0.3);
  border-radius: 28px;
  padding: 60px 48px;
  box-shadow: 0 20px 60px rgba(0,0,0,0.5);
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 40px;
  align-items: center;
}

.security-pillars {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.pillar-item {
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid var(--glass-border);
  border-radius: 16px;
  padding: 20px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.pillar-icon {
  color: var(--emerald-light);
  font-size: 1.5rem;
}

.pillar-title {
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 700;
  color: var(--text-white);
}

.pillar-desc {
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.5;
}

/* ==========================================================================
   FAQ ACCORDION
   ========================================================================== */
.faq-section {
  padding: 100px 0;
}

.faq-list {
  max-width: 820px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.faq-item {
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  border-radius: 18px;
  overflow: hidden;
  transition: var(--transition-smooth);
}

.faq-item.active {
  border-color: rgba(0, 212, 132, 0.35);
  background: var(--bg-card);
}

.faq-question {
  width: 100%;
  padding: 22px 28px;
  background: transparent;
  border: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-family: var(--font-heading);
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--text-white);
  cursor: pointer;
  text-align: left;
}

.faq-toggle-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.06);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.9rem;
  color: var(--emerald-light);
  transition: transform 0.3s ease;
}

.faq-item.active .faq-toggle-icon {
  transform: rotate(180deg);
  background: var(--emerald-glow-subtle);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.35s ease;
  padding: 0 28px;
  color: var(--text-muted);
  font-size: 0.98rem;
  line-height: 1.7;
}

.faq-item.active .faq-answer {
  max-height: 350px;
  padding-bottom: 24px;
}

/* ==========================================================================
   CALL TO ACTION BANNER
   ========================================================================== */
.cta-section {
  padding: 100px 0 140px;
}

.cta-box {
  background: radial-gradient(circle at center, #0F2A52 0%, #08162E 70%);
  border: 1px solid rgba(0, 212, 132, 0.35);
  border-radius: 32px;
  padding: 70px 40px;
  text-align: center;
  position: relative;
  overflow: hidden;
  box-shadow: 0 20px 80px rgba(0, 212, 132, 0.15);
}

.cta-title {
  font-size: clamp(2.2rem, 3.8vw, 3.2rem);
  margin-bottom: 18px;
}

.cta-subtitle {
  font-size: 1.15rem;
  color: var(--text-body);
  max-width: 600px;
  margin: 0 auto 36px;
}

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

/* ==========================================================================
   SITE FOOTER
   ========================================================================== */
.site-footer {
  background: #030711;
  border-top: 1px solid var(--glass-border);
  padding: 80px 0 40px;
  font-size: 0.92rem;
  color: var(--text-muted);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1.2fr;
  gap: 48px;
  margin-bottom: 60px;
}

.footer-brand p {
  margin-top: 16px;
  max-width: 320px;
  font-size: 0.9rem;
  line-height: 1.6;
}

.footer-col h4 {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 20px;
  color: var(--text-white);
  text-transform: uppercase;
  letter-spacing: 0.8px;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-links a:hover {
  color: var(--emerald-light);
  transform: translateX(3px);
}

.footer-disclaimer-box {
  background: rgba(255, 255, 255, 0.02);
  border: 1px solid rgba(255, 255, 255, 0.05);
  border-radius: 12px;
  padding: 16px 20px;
  font-size: 0.82rem;
  line-height: 1.6;
  color: var(--text-subtle);
  margin-bottom: 40px;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 28px;
  border-top: 1px solid rgba(255, 255, 255, 0.05);
  font-size: 0.85rem;
}

.footer-bottom-links {
  display: flex;
  gap: 24px;
}

.footer-bottom-links a:hover {
  color: var(--emerald-light);
}

/* ==========================================================================
   RESPONSIVE MEDIA QUERIES (Zero-Cramping, Fully Fluid Architecture)
   ========================================================================== */

/* Laptop & Medium Screens (961px to 1140px) */
@media (max-width: 1140px) {
  .nav-links {
    gap: 2px;
    padding: 4px 6px;
  }
  .nav-link {
    padding: 7px 14px;
    font-size: 0.88rem;
  }
  .hero-title {
    font-size: 2.8rem;
  }
}

/* Tablet & Mobile Screens (<= 960px) */
@media (max-width: 960px) {
  .site-header {
    padding: 14px 0;
  }

  .nav-links, 
  .nav-actions .btn {
    display: none !important;
  }

  .mobile-toggle {
    display: flex !important;
  }

  /* Luxurious Floating Glass Mobile Drawer */
  .mobile-nav-drawer {
    display: none !important;
    position: fixed;
    top: 76px;
    left: 16px;
    right: 16px;
    max-width: calc(100vw - 32px);
    background: rgba(10, 22, 40, 0.97);
    backdrop-filter: blur(28px);
    -webkit-backdrop-filter: blur(28px);
    border: 1px solid rgba(0, 212, 132, 0.3);
    border-radius: 24px;
    padding: 20px;
    box-shadow: 0 24px 70px rgba(0, 0, 0, 0.9), 0 0 30px rgba(0, 212, 132, 0.15);
    flex-direction: column;
    gap: 8px;
    z-index: 1001;
    transform: translateY(-8px);
    opacity: 0;
    transition: all 0.28s cubic-bezier(0.16, 1, 0.3, 1);
  }

  .mobile-nav-drawer.open {
    display: flex !important;
    transform: translateY(0);
    opacity: 1;
  }

  .mobile-nav-drawer .nav-link {
    font-size: 1.05rem;
    font-weight: 600;
    color: var(--text-white);
    padding: 12px 18px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    transition: var(--transition-smooth);
    background: rgba(255, 255, 255, 0.03);
    border: 1px solid transparent;
  }

  .mobile-nav-drawer .nav-link:hover,
  .mobile-nav-drawer .nav-link:active {
    background: rgba(0, 212, 132, 0.14);
    border-color: rgba(0, 212, 132, 0.3);
    color: var(--emerald-light);
  }

  .mobile-nav-drawer .nav-link::after {
    display: none;
  }

  .mobile-nav-drawer .btn {
    display: flex !important;
    margin-top: 12px;
    width: 100%;
    padding: 14px;
    font-size: 1rem;
  }

  /* Layout Adjustments */
  .hero-section {
    padding-top: 130px;
    padding-bottom: 70px;
  }
  .hero-grid {
    grid-template-columns: 1fr;
    text-align: center;
    gap: 48px;
  }
  .hero-content {
    margin: 0 auto;
  }
  .hero-actions {
    justify-content: center;
  }
  .hero-badges-row {
    justify-content: center;
    flex-wrap: wrap;
    gap: 18px;
  }
  .calc-grid {
    grid-template-columns: 1fr;
    padding: 28px;
  }
  .showcase-display {
    grid-template-columns: 1fr;
    text-align: center;
    padding: 32px 24px;
  }
  .showcase-bullets {
    align-items: center;
  }
  .security-box {
    grid-template-columns: 1fr;
    padding: 40px 28px;
  }
  .features-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
  }
  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 36px;
  }
}

/* Small Smartphone Screens (<= 640px) */
@media (max-width: 640px) {
  .hero-title {
    font-size: clamp(2rem, 8.5vw, 2.6rem);
    letter-spacing: -0.5px;
  }
  .hero-description {
    font-size: 1.05rem;
  }
  .hero-actions {
    flex-direction: column;
    width: 100%;
  }
  .hero-actions .appstore-badge-btn,
  .hero-actions .btn {
    width: 100%;
    justify-content: center;
  }
  .hero-badges-row {
    flex-direction: column;
    align-items: flex-start;
    padding-top: 20px;
  }
  .phone-device {
    width: 260px;
    height: 535px;
  }
  .floating-stat-card {
    display: none;
  }
  .input-row-group {
    grid-template-columns: 1fr;
  }
  .calc-grid {
    padding: 20px 16px;
  }
  .result-hero-amount {
    font-size: 2.3rem;
  }
  .features-grid {
    grid-template-columns: 1fr;
  }
  .security-pillars {
    grid-template-columns: 1fr;
  }
  .showcase-phone {
    width: 240px;
    height: 495px;
  }
  .footer-grid {
    grid-template-columns: 1fr;
  }
  .footer-bottom {
    flex-direction: column;
    gap: 16px;
    text-align: center;
  }
  .footer-bottom-links {
    flex-wrap: wrap;
    justify-content: center;
  }
}