/* =========================================================================
   FinNomy Loan Prepayment Calculator - Dedicated Stylesheet
   Brand Tokens: #0B63D8 (Primary Blue), #00B37E (Emerald Green), #0F2A4A (Dark Navy)
   Design Standard: Edge-to-Edge Full Canvas with Centered 1200px Containers
   ========================================================================= */

:root {
  --blue: #0B63D8;
  --blue-hover: #0952B3;
  --blue-light: #EEF4FE;
  --blue-border: #CFE0FA;
  --green: #00B37E;
  --green-hover: #00996B;
  --green-light: #E6F8F2;
  --green-border: #BFE8D9;
  --navy: #0F2A4A;
  --dark-slate: #0F172A;
  --slate: #1E293B;
  --grey: #64748B;
  --grey-light: #F1F5F9;
  --border: #E2E8F0;
  --border-light: #EDF2F7;
  --bg-page: #FFFFFF;
  --bg-subtle: #F8FAFC;
  --warn: #DC2626;
  --warn-light: #FEF2F2;
  --warn-border: #FECACA;
  --amber: #D97706;
  --amber-light: #FFFBEB;
  --amber-border: #FCD34D;
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --shadow-sm: 0 1px 3px rgba(15, 23, 42, 0.06);
  --shadow-md: 0 4px 20px -2px rgba(15, 23, 42, 0.08);
  --shadow-lg: 0 12px 36px -4px rgba(15, 23, 42, 0.1);
  --shadow-glow: 0 0 24px rgba(11, 99, 216, 0.12);
}

* {
  box-sizing: border-box;
}

html, body {
  margin: 0;
  padding: 0;
  width: 100%;
  max-width: 100%;
  overflow-x: hidden;
  font-family: 'Poppins', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
  color: var(--slate);
  background: var(--bg-page);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  scroll-snap-type: none !important;
  height: auto !important;
  min-height: 100%;
}

/* Full-Width Section Containers */
.landing-section-full {
  width: 100%;
  margin: 0;
  padding: 56px 0;
}

.section-white {
  background: #FFFFFF;
}

.section-grey {
  background: #F8FAFC;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.section-container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  width: 100%;
  box-sizing: border-box;
}

.section-header {
  text-align: center;
  max-width: 780px;
  margin: 0 auto 40px auto;
}

.section-tag {
  display: inline-block;
  font-size: 11.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--green);
  background: var(--green-light);
  padding: 4px 12px;
  border-radius: 20px;
  margin-bottom: 12px;
}

.section-main-title {
  font-size: clamp(1.75rem, 3.5vw, 2.35rem);
  font-weight: 800;
  color: var(--navy);
  line-height: 1.25;
  margin: 0 0 12px;
  font-family: 'Plus Jakarta Sans', sans-serif;
}

.section-main-subtitle {
  font-size: 15px;
  color: var(--grey);
  margin: 0;
  line-height: 1.6;
}

/* =========================================================================
   1. HERO SECTION (MATCHING HOMEPAGE & TOOL SUITE STANDARDS)
   ========================================================================= */
.hero-section {
  background-color: #FFFFFF;
  padding: 130px 0 48px 0;
  width: 100%;
}

.hero-container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  display: grid;
  grid-template-columns: 1.15fr 1fr;
  align-items: center;
  gap: 48px;
}

.hero-text-col {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  text-align: left;
}

.hero-eyebrow {
  font-size: 0.92rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--green);
  margin-bottom: 12px;
  font-family: 'Plus Jakarta Sans', sans-serif;
}

.hero-title {
  font-size: clamp(2.1rem, 4.2vw, 3rem);
  font-weight: 900;
  color: var(--navy);
  line-height: 1.18;
  margin: 0 0 18px 0;
  letter-spacing: -0.02em;
  font-family: 'Plus Jakarta Sans', sans-serif;
}

.hero-subtitle {
  font-size: 1.08rem;
  color: var(--grey);
  line-height: 1.65;
  margin: 0 0 28px 0;
  max-width: 540px;
}

.hero-btn-group {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 24px;
  flex-wrap: wrap;
}

.btn-hero-primary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 14px 28px;
  font-size: 1rem;
  font-weight: 700;
  color: #FFFFFF;
  background-color: var(--green);
  border: 1px solid var(--green);
  border-radius: var(--radius-md);
  text-decoration: none;
  transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
  box-shadow: 0 4px 14px rgba(0, 179, 126, 0.28);
  cursor: pointer;
}

.btn-hero-primary:hover {
  background-color: var(--green-hover);
  transform: translateY(-2px);
  box-shadow: 0 8px 22px rgba(0, 179, 126, 0.38);
}

.hero-secondary-link {
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--blue);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: all 0.2s ease;
  padding: 6px 0;
}

.hero-secondary-link:hover {
  color: var(--blue-hover);
  transform: translateX(3px);
  text-decoration: underline;
}

.hero-trust-badges {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--grey);
  flex-wrap: wrap;
  padding-top: 4px;
}

.hero-trust-badges span {
  display: inline-flex;
  align-items: center;
  gap: 4px;
}

/* Right Column Visual */
.hero-image-col, .hero-visual-wrap, .hero-visual-col, .hero-illustration-container {
  display: flex;
  justify-content: center;
  align-items: center;
  background: transparent !important;
  box-shadow: none !important;
  border: none !important;
  padding: 0 !important;
}

.hero-swp-img, .hero-visual-wrap img, .hero-illustration-img, .hero-loan-svg {
  width: 100%;
  max-width: 580px;
  height: auto;
  display: block;
  object-fit: contain;
  background: transparent !important;
  border: none !important;
  box-shadow: none !important;
  filter: none !important;
}

/* =========================================================================
   2. SECTION 2: 4-CARD FEATURE GRID
   ========================================================================= */
.feature-grid-4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.feature-card {
  background: #FFFFFF;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 26px 22px;
  display: flex;
  flex-direction: column;
  gap: 14px;
  transition: all 0.25s ease;
  box-shadow: var(--shadow-sm);
}

.feature-card:hover {
  transform: translateY(-4px);
  border-color: var(--blue-border);
  box-shadow: var(--shadow-md);
}

.feature-icon-wrap {
  width: 46px;
  height: 46px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  flex-shrink: 0;
}

.feature-card-title {
  font-size: 16.5px;
  font-weight: 700;
  color: var(--navy);
  margin: 0 0 6px 0;
  font-family: 'Plus Jakarta Sans', sans-serif;
}

.feature-card-desc {
  font-size: 13.5px;
  color: var(--grey);
  margin: 0;
  line-height: 1.55;
}

/* =========================================================================
   3. SECTION 3: GUIDE GRID (3-COL) + COMPACT SCENARIOS TABLE
   ========================================================================= */
.guide-grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-bottom: 32px;
}

.guide-card {
  background: var(--bg-subtle);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  display: flex;
  flex-direction: column;
  transition: all 0.25s ease;
  box-shadow: var(--shadow-sm);
}

.guide-card:hover {
  transform: translateY(-4px);
  border-color: var(--blue-border);
  box-shadow: var(--shadow-md);
  background: #FFFFFF;
}

.guide-badge {
  display: inline-block;
  align-self: flex-start;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.6px;
  padding: 4px 10px;
  border-radius: 6px;
  margin-bottom: 14px;
  transition: transform 0.2s ease;
}

.guide-card:hover .guide-badge {
  transform: scale(1.05);
}

.guide-title {
  font-size: 17.5px;
  font-weight: 700;
  color: var(--navy);
  margin: 0 0 10px 0;
  font-family: 'Plus Jakarta Sans', sans-serif;
  transition: color 0.2s ease;
}

.guide-card:hover .guide-title {
  color: var(--blue);
}

.guide-desc {
  font-size: 14px;
  color: var(--slate);
  margin: 0 0 16px 0;
  line-height: 1.6;
  flex-grow: 1;
}

.guide-highlight {
  background: #FFFFFF;
  border: 1px solid var(--border);
  border-left: 3px solid var(--green);
  border-radius: var(--radius-sm);
  padding: 10px 14px;
  font-size: 12.5px;
  color: var(--navy);
  line-height: 1.5;
  transition: all 0.25s ease;
}

.guide-card:hover .guide-highlight {
  border-left-color: var(--blue);
  box-shadow: 0 2px 8px rgba(15, 23, 42, 0.04);
}

/* Compact Comparison Table Card */
.scenarios-table-card {
  background: #FFFFFF;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow-x: auto;
  box-shadow: var(--shadow-sm);
  transition: all 0.25s ease;
}

.scenarios-table-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--blue-border);
}

.scenarios-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
  font-size: 13.5px;
}

.scenarios-table th {
  background: var(--navy);
  color: #FFFFFF;
  padding: 14px 18px;
  font-weight: 600;
  font-size: 13px;
  letter-spacing: 0.3px;
  white-space: nowrap;
}

.scenarios-table td {
  padding: 14px 18px;
  border-bottom: 1px solid var(--border);
  color: var(--slate);
}

.scenarios-table tbody tr {
  transition: background-color 0.2s ease, transform 0.15s ease;
}

.scenarios-table tbody tr:last-child td {
  border-bottom: none;
}

.scenarios-table tbody tr:hover {
  background: #F1F5F9;
}

.scenarios-table .highlight-row {
  background: #F0FDF4;
}

.scenarios-table .highlight-row:hover {
  background: #DCFCE7;
}

.scenarios-table .warn-row {
  background: #FEF2F2;
}

.scenarios-table .warn-row:hover {
  background: #FEE2E2;
}

/* =========================================================================
   4. SECTION 4: SIP-IDENTICAL OPEN ZIG-ZAG FLOW (Down ➔ Up ➔ Down ➔ Up)
   ========================================================================= */
.zigzag-flow-wrapper {
  position: relative;
  max-width: 1140px;
  margin: 40px auto 20px;
  padding: 20px 0 40px;
}

.zigzag-svg-connector {
  position: absolute;
  top: 10px;
  left: 0;
  width: 100%;
  height: 180px;
  pointer-events: none;
  z-index: 1;
}

.zigzag-step-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
  position: relative;
  z-index: 2;
}

.zigzag-step-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  background: transparent;
  border: none;
  padding: 0 8px;
  transition: transform 0.3s ease;
}

.zigzag-step-item:nth-child(1),
.zigzag-step-item:nth-child(3) {
  margin-top: 55px;
}

.zigzag-step-item:nth-child(2),
.zigzag-step-item:nth-child(4) {
  margin-top: 0px;
}

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

.zigzag-node-wrap {
  display: inline-flex;
  align-items: center;
  margin-bottom: 14px;
  position: relative;
}

.zigzag-node-badge {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: #FFFFFF;
  border: 3px solid var(--blue);
  box-shadow: 0 4px 14px rgba(11, 99, 216, 0.2);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  font-weight: 800;
  color: var(--blue);
  position: relative;
  z-index: 2;
  flex-shrink: 0;
  font-family: 'Plus Jakarta Sans', sans-serif;
}

.zigzag-step-item:nth-child(2) .zigzag-node-badge {
  border-color: var(--green);
  color: var(--green);
  box-shadow: 0 4px 14px rgba(0, 179, 126, 0.2);
}

.zigzag-step-item:nth-child(3) .zigzag-node-badge {
  border-color: #D97706;
  color: #D97706;
  box-shadow: 0 4px 14px rgba(217, 119, 6, 0.2);
}

.zigzag-step-item:nth-child(4) .zigzag-node-badge {
  border-color: var(--green);
  color: var(--green);
  box-shadow: 0 4px 14px rgba(0, 179, 126, 0.22);
}

.zigzag-tag {
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  padding: 5px 12px 5px 16px;
  margin-left: -10px;
  border-radius: 0 16px 16px 0;
  background: #EEF4FE;
  color: var(--blue);
  border: 1px solid var(--blue-border);
  border-left: none;
  z-index: 1;
  line-height: 1;
  display: inline-flex;
  align-items: center;
}

.zigzag-step-item:nth-child(2) .zigzag-tag {
  background: #E6F8F2;
  color: #047857;
  border-color: var(--green-border);
}

.zigzag-step-item:nth-child(3) .zigzag-tag {
  background: #FEF3C7;
  color: #B45309;
  border-color: #FCD34D;
}

.zigzag-step-item:nth-child(4) .zigzag-tag {
  background: #E6F8F2;
  color: #047857;
  border-color: var(--green-border);
}

.zigzag-step-title {
  font-size: 16.5px;
  font-weight: 800;
  color: var(--navy);
  margin: 0 0 8px;
  line-height: 1.35;
  font-family: 'Plus Jakarta Sans', sans-serif;
}

.zigzag-step-desc {
  font-size: 13.5px;
  color: #64748B;
  margin: 0;
  line-height: 1.6;
}

/* =========================================================================
   5. SECTION 5: INTERACTIVE LOAN CALCULATOR CENTERPIECE
   ========================================================================= */
.loan-app-card {
  background: #FFFFFF;
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}

/* Mode Switcher Bar */
.loan-mode-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: var(--bg-subtle);
  border-bottom: 1px solid var(--border);
  padding: 16px 28px;
  flex-wrap: wrap;
  gap: 16px;
}

.mode-tab-group {
  display: flex;
  background: #E2E8F0;
  padding: 4px;
  border-radius: var(--radius-md);
  gap: 4px;
}

.mode-toggle-btn {
  border: none;
  background: transparent;
  padding: 9px 20px;
  font-size: 13.5px;
  font-weight: 700;
  color: var(--slate);
  border-radius: 8px;
  cursor: pointer;
  transition: all 0.2s ease;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: inherit;
}

.mode-toggle-btn.active {
  background: #FFFFFF;
  color: var(--navy);
  box-shadow: 0 2px 8px rgba(15, 23, 42, 0.1);
}

.trust-micro-badge {
  font-size: 12px;
  font-weight: 600;
  color: var(--grey);
  display: flex;
  align-items: center;
  gap: 6px;
}

/* Interactive Grid */
.loan-interactive-grid {
  display: grid;
  grid-template-columns: 1.15fr 1fr;
  gap: 0;
}

.loan-inputs-pane {
  padding: 36px;
  border-right: 1px solid var(--border);
}

.loan-results-pane {
  padding: 36px;
  background: #FAFCFE;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: flex-start;
}

/* Controls & Sliders */
.loan-control-group {
  margin-bottom: 24px;
}

.loan-label-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 8px;
}

.loan-label-row label {
  font-size: 14px;
  font-weight: 600;
  color: var(--navy);
}

.loan-amount-wrapper {
  display: flex;
  align-items: center;
  background: var(--green-light);
  border: 1px solid var(--green-border);
  border-radius: var(--radius-sm);
  padding: 4px 10px;
}

.loan-amount-wrapper.blue-wrap {
  background: var(--blue-light);
  border-color: var(--blue-border);
}

.loan-amount-wrapper.small {
  padding: 2px 8px;
}

.currency-symbol {
  font-weight: 700;
  color: var(--green);
  margin-right: 4px;
  font-size: 14px;
}

.unit-symbol {
  font-weight: 700;
  color: var(--blue);
  margin-left: 4px;
  font-size: 13px;
}

.loan-number-input {
  border: none;
  background: transparent;
  font-family: inherit;
  font-size: 15px;
  font-weight: 700;
  color: var(--navy);
  width: 100px;
  text-align: right;
  outline: none;
}

.loan-number-input::-webkit-inner-spin-button,
.loan-number-input::-webkit-outer-spin-button {
  -webkit-appearance: none;
  margin: 0;
}

.loan-range {
  width: 100%;
  height: 6px;
  border-radius: 3px;
  background: #E2E8F0;
  outline: none;
  accent-color: var(--green);
  cursor: pointer;
  margin: 8px 0;
}

.loan-range-labels {
  display: flex;
  justify-content: space-between;
  font-size: 11px;
  color: var(--grey);
  font-weight: 500;
}

.loan-select-input {
  width: 100%;
  padding: 10px 14px;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  background-color: #FFFFFF;
  font-family: inherit;
  font-size: 14px;
  font-weight: 600;
  color: var(--navy);
  outline: none;
  cursor: pointer;
  transition: border-color 0.2s ease;
}

.loan-select-input:focus {
  border-color: var(--blue);
}

/* Switch Toggle */
.switch {
  position: relative;
  display: inline-block;
  width: 44px;
  height: 24px;
  flex-shrink: 0;
}

.switch input {
  opacity: 0;
  width: 0;
  height: 0;
}

.slider {
  position: absolute;
  cursor: pointer;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background-color: #CBD5E1;
  transition: .3s;
  border-radius: 24px;
}

.slider:before {
  position: absolute;
  content: "";
  height: 18px;
  width: 18px;
  left: 3px;
  bottom: 3px;
  background-color: white;
  transition: .3s;
  border-radius: 50%;
}

input:checked + .slider {
  background-color: var(--green);
}

input:checked + .slider:before {
  transform: translateX(20px);
}

/* Advanced Accordion Box */
.loan-advanced-box {
  background: var(--bg-subtle);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 16px 18px;
  margin-top: 24px;
}

.loan-advanced-title {
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: var(--navy);
  margin-bottom: 14px;
}

.sub-slider-box {
  background: #FFFFFF;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 12px;
  margin-top: 8px;
}

/* Dual Donut Comparison Charts */
.dual-donut-row {
  display: flex;
  gap: 20px;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  width: 100%;
  margin-bottom: 24px;
}

.donut-wrapper {
  text-align: center;
  flex: 1;
  min-width: 140px;
}

.donut-label-title {
  font-size: 12px;
  color: var(--grey);
  margin-bottom: 10px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.donut-label-title.highlight {
  color: var(--blue);
}

.donut-chart-circle {
  width: 140px;
  height: 140px;
  border-radius: 50%;
  background: conic-gradient(#0B63D8 0deg 180deg, #9CA3AF 180deg 360deg);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto;
  transition: background 0.3s ease;
}

.donut-hole-center {
  width: 96px;
  height: 96px;
  border-radius: 50%;
  background: #FFFFFF;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  box-shadow: inset 0 2px 4px rgba(0,0,0,0.04);
}

.donut-hole-subtext {
  font-size: 11px;
  color: var(--grey);
  font-weight: 600;
}

.donut-hole-subtext.highlight-text {
  color: var(--green);
  font-weight: 800;
}

/* Net Interest Saved Banner */
.saved-hero-banner {
  width: 100%;
  background: var(--green-light);
  border: 1px solid var(--green-border);
  border-radius: var(--radius-md);
  padding: 16px;
  text-align: center;
  margin-bottom: 20px;
}

.saved-hero-tag {
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: var(--green-hover);
  margin-bottom: 4px;
}

.saved-hero-value {
  font-size: 32px;
  font-weight: 800;
  color: var(--green);
  font-family: 'Plus Jakarta Sans', sans-serif;
  letter-spacing: -0.02em;
}

/* Metrics Comparison Grid Table */
.metrics-table-card {
  width: 100%;
  background: #FFFFFF;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
  margin-bottom: 24px;
  box-shadow: var(--shadow-sm);
}

.metrics-row {
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr;
  font-size: 13.5px;
  text-align: left;
  border-bottom: 1px solid var(--border);
}

.metrics-row:last-child {
  border-bottom: none;
}

.metrics-header-row {
  background: var(--bg-subtle);
  font-weight: 700;
  color: var(--navy);
}

.metrics-cell {
  padding: 10px 14px;
  border-left: 1px solid var(--border);
}

.metrics-cell:first-child {
  border-left: none;
}

.metrics-cell.regular-val {
  color: var(--grey);
}

.metrics-cell.smart-val {
  font-weight: 700;
  color: var(--blue);
}

.metrics-cell.smart-val.green-bold {
  color: var(--green);
}

.metrics-cell.smart-val.red-bold {
  color: #DC2626;
}

/* Dynamic Fact Card */
.loan-fact-box {
  width: 100%;
  background: #FFFFFF;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 14px 18px;
  margin-bottom: 20px;
  display: flex;
  gap: 12px;
  align-items: flex-start;
  box-shadow: var(--shadow-sm);
}

.loan-fact-icon {
  font-size: 20px;
  line-height: 1;
  flex-shrink: 0;
  margin-top: 2px;
}

.loan-fact-body strong {
  display: block;
  font-size: 12.5px;
  color: var(--navy);
  margin-bottom: 2px;
}

.loan-fact-body p {
  margin: 0;
  font-size: 12.5px;
  color: var(--grey);
  line-height: 1.45;
}

/* High Value Consultation Form */
.loan-hv-form-box {
  width: 100%;
  background: #FFFFFF;
  border: 1.5px solid var(--blue-border);
  border-radius: var(--radius-lg);
  padding: 24px;
  box-shadow: var(--shadow-md);
  margin-bottom: 24px;
}

.hv-header {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 12px;
}

.hv-icon {
  font-size: 24px;
}

.hv-title {
  font-size: 18px;
  font-weight: 700;
  color: var(--navy);
  margin: 0;
  font-family: 'Plus Jakarta Sans', sans-serif;
}

.hv-desc {
  font-size: 13.5px;
  color: var(--grey);
  margin-bottom: 18px;
  line-height: 1.5;
}

/* Lead Capture Form */
.lead-capture-form {
  width: 100%;
  background: var(--green-light);
  border: 1px solid var(--green-border);
  border-radius: var(--radius-lg);
  padding: 20px;
  margin-top: 4px;
}

.lc-title {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 15px;
  font-weight: 700;
  color: #166534;
  margin-bottom: 6px;
  font-family: 'Plus Jakarta Sans', sans-serif;
}

.lc-desc {
  font-size: 12.5px;
  color: #15803D;
  margin-bottom: 14px;
  line-height: 1.45;
}

.btn-submit-report {
  width: 100%;
  background: var(--green);
  color: #FFFFFF;
  border: none;
  padding: 12px;
  border-radius: var(--radius-sm);
  font-weight: 700;
  font-size: 14px;
  cursor: pointer;
  transition: background 0.2s ease;
}

.btn-submit-report:hover {
  background: var(--green-hover);
}

.form-input, .form-textarea {
  width: 100%;
  padding: 10px 14px;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  font-family: inherit;
  font-size: 13.5px;
  color: var(--navy);
  background: #FFFFFF;
  outline: none;
  transition: border-color 0.2s ease;
}

.form-input:focus, .form-textarea:focus {
  border-color: var(--blue);
}

/* =========================================================================
   6. SECTION 6: AUTO-ROTATING INFINITE CAROUSEL (3.5 CARDS VISIBLE)
   ========================================================================= */
.carousel-outer-wrapper {
  position: relative;
  max-width: 1200px;
  margin: 20px auto 0;
  padding: 0 10px;
}

.carousel-viewport {
  overflow: hidden;
  width: 100%;
}

.carousel-track {
  display: flex;
  gap: 20px;
  overflow-x: auto;
  scroll-behavior: smooth;
  padding: 12px 4px 18px 4px;
  scrollbar-width: thin;
  scrollbar-color: #CBD5E1 #F1F5F9;
  -webkit-overflow-scrolling: touch;
}

.carousel-track::-webkit-scrollbar {
  height: 6px;
  display: block;
}

.carousel-track::-webkit-scrollbar-track {
  background: #F1F5F9;
  border-radius: 10px;
}

.carousel-track::-webkit-scrollbar-thumb {
  background: #CBD5E1;
  border-radius: 10px;
  transition: background 0.2s ease;
}

.carousel-track::-webkit-scrollbar-thumb:hover {
  background: #94A3B8;
}

.carousel-card {
  flex: 0 0 calc((100% - 60px) / 3.5);
  min-width: 270px;
  max-width: 320px;
  background: #FFFFFF;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px 20px;
  text-decoration: none;
  color: inherit;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-shadow: 0 4px 12px rgba(15, 23, 42, 0.05);
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
  user-select: none;
}

.carousel-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 12px 30px -4px rgba(11, 99, 216, 0.14);
  border-color: var(--blue);
}

.carousel-card-icon {
  font-size: 32px;
  margin-bottom: 12px;
  width: 52px;
  height: 52px;
  background: var(--blue-light);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.carousel-card:nth-child(2n) .carousel-card-icon {
  background: var(--green-light);
}

.carousel-card-title {
  font-size: 16px;
  font-weight: 700;
  color: var(--navy);
  margin: 0 0 8px;
  font-family: 'Plus Jakarta Sans', sans-serif;
}

.carousel-card-desc {
  font-size: 13px;
  color: var(--grey);
  margin: 0 0 16px;
  line-height: 1.5;
  flex-grow: 1;
}

.carousel-card-cta {
  font-size: 13px;
  font-weight: 700;
  color: var(--blue);
  display: inline-flex;
  align-items: center;
  gap: 4px;
  transition: gap 0.2s;
}

.carousel-card:hover .carousel-card-cta {
  gap: 8px;
}

/* =========================================================================
   7. SECTION 7: FAQS ACCORDION
   ========================================================================= */
.faq-accordion-list {
  max-width: 800px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.faq-item {
  border: 1px solid #E2E8F0;
  border-radius: 12px;
  background: #FFFFFF;
  transition: all 0.2s ease-in-out;
  margin-bottom: 12px;
  overflow: hidden;
}

.faq-item.active {
  border-color: #0B63D8 !important;
  background: #F8FAFC !important;
  box-shadow: 0 4px 12px rgba(11, 99, 216, 0.06) !important;
}

.faq-question {
  padding: 18px 22px;
  font-size: 16px;
  font-weight: 700;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  user-select: none;
  font-family: 'Plus Jakarta Sans', sans-serif;
  transition: color 0.2s ease;
}

.faq-item.active .faq-question {
  color: #0B63D8 !important;
}

.faq-icon {
  font-size: 12px;
  color: var(--grey);
  transition: transform 0.25s ease, color 0.25s ease;
}

.faq-item.active .faq-icon {
  transform: rotate(180deg);
  color: #0B63D8 !important;
}

.faq-answer {
  display: none;
  padding: 0 22px 20px 22px;
  font-size: 14.5px;
  color: var(--slate);
  line-height: 1.6;
  border-top: 1px solid transparent;
}

.faq-item.active .faq-answer {
  display: block;
  border-top-color: #E2E8F0;
}

/* =========================================================================
   RESPONSIVE DESIGN (MOBILE & TABLET BREAKPOINTS)
   ========================================================================= */
@media (max-width: 1024px) {
  .hero-container {
    grid-template-columns: 1fr;
    gap: 36px;
    text-align: center;
  }
  
  .hero-text-col {
    align-items: center;
    text-align: center;
  }

  .hero-subtitle {
    margin-left: auto;
    margin-right: auto;
  }

  .hero-btn-group, .hero-trust-badges {
    justify-content: center;
  }

  .feature-grid-4 {
    grid-template-columns: repeat(2, 1fr);
  }

  .zigzag-step-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 28px;
  }

  .zigzag-svg-connector {
    display: none;
  }

  .zigzag-step-item:nth-child(n) {
    margin-top: 0;
  }

  .loan-interactive-grid {
    grid-template-columns: 1fr;
  }

  .loan-inputs-pane {
    border-right: none;
    border-bottom: 1px solid var(--border);
  }

  .guide-grid-3 {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 640px) {
  .landing-section-full {
    padding: 40px 0;
  }

  .hero-section {
    padding: 100px 0 36px 0;
  }

  .feature-grid-4 {
    grid-template-columns: 1fr;
  }

  .zigzag-step-grid {
    grid-template-columns: 1fr;
    gap: 24px;
  }

  .loan-inputs-pane, .loan-results-pane {
    padding: 20px 16px;
  }

  .dual-donut-row {
    flex-direction: column;
  }

  .metrics-row {
    font-size: 12px;
  }
  
  .metrics-cell {
    padding: 8px 10px;
  }
}