/* BrokerYourLoan - Professional Light Theme */
/* Trust-focused financial services aesthetic */

:root {
    /* Core Colors - Light & Professional */
    --bg-primary: #ffffff;
    --bg-secondary: #f8f9fa;
    --bg-card: #ffffff;
    --bg-card-hover: #f8f9fa;
    --bg-input: #f8f9fa;
    
    /* Professional Accents */
    --accent-blue: #0066cc;
    --accent-green: #00c853;
    --accent-gradient: linear-gradient(135deg, #0066cc 0%, #00c853 100%);
    
    /* Text Colors */
    --text-primary: #212529;
    --text-secondary: #6c757d;
    --text-muted: #adb5bd;
    
    /* Status Colors */
    --danger: #dc3545;
    --success: #00c853;
    --warning: #fd7e14;
    
    /* Border & Effects */
    --border-color: rgba(0, 0, 0, 0.1);
    --glow-blue: 0 4px 8px rgba(0, 102, 204, 0.08);
    --glow-green: 0 4px 8px rgba(0, 200, 83, 0.08);
    
    /* Typography */
    --font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}

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

html {
    scroll-behavior: smooth;
}

body {
    font-family: var(--font-family);
    background: var(--bg-primary);
    color: var(--text-primary);
    line-height: 1.6;
    overflow-x: hidden;
}

/* Utility Classes */
.text-gradient {
    background: var(--accent-gradient);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.text-danger {
    color: var(--danger);
}

.text-success {
    color: var(--success);
}

/* Container */
.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
}

/* Header */
.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    background: rgba(255, 255, 255, 0.98);
    backdrop-filter: blur(20px);
    border-bottom: 1px solid var(--border-color);
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.05);
    z-index: 1000;
}

.header-content {
    display: flex;
    justify-content: space-between;
    align-items: center;
    height: 72px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
    color: var(--text-primary);
    font-size: 24px;
    font-weight: 800;
}

.logo-icon {
    width: 40px;
    height: 40px;
    background: var(--accent-gradient);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 900;
    color: var(--bg-primary);
}

.logo-accent {
    background: var(--accent-gradient);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
}

.nav {
    display: flex;
    align-items: center;
    gap: 40px;
}

.nav a {
    color: var(--text-secondary);
    text-decoration: none;
    font-weight: 500;
    transition: all 0.3s ease;
    position: relative;
    padding: 4px 0;
}

.nav a:hover {
    color: var(--accent-blue);
    transform: translateY(-1px);
}

.nav a::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--accent-gradient);
    transition: width 0.3s ease;
}

.nav a:hover::after {
    width: 100%;
}

.nav-cta {
    background: var(--accent-gradient);
    color: var(--bg-primary) !important;
    padding: 10px 28px;
    border-radius: 8px;
    font-weight: 700 !important;
    font-size: 15px;
    transition: all 0.2s ease;
    box-shadow: var(--glow-blue);
    white-space: nowrap;
    line-height: 1.4;
    letter-spacing: 0.3px;
    margin-left: 24px !important;
    position: relative;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-width: 150px;
}

.nav-cta::before {
    content: '';
    position: absolute;
    left: -24px;
    top: 0;
    bottom: 0;
    width: 24px;
}

.nav-cta:hover {
    transform: translateY(-3px) scale(1.02);
    box-shadow: 0 8px 24px rgba(0, 102, 204, 0.35);
}

.nav-cta:active {
    transform: translateY(-1px) scale(0.98);
    box-shadow: 0 4px 12px rgba(0, 102, 204, 0.25);
}

.mobile-menu-btn {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
}

.mobile-menu-btn span {
    width: 24px;
    height: 2px;
    background: var(--text-primary);
}

/* Hero Section */
.hero {
    min-height: auto;
    display: flex;
    align-items: center;
    padding: 100px 0 60px;
    position: relative;
    overflow: hidden;
}

.hero-glow {
    position: absolute;
    top: -50%;
    right: -20%;
    width: 800px;
    height: 800px;
    background: radial-gradient(circle, rgba(0, 102, 204, 0.05) 0%, transparent 70%);
    pointer-events: none;
}

.hero-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 1;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(255, 71, 87, 0.1);
    border: 1px solid rgba(255, 71, 87, 0.3);
    padding: 8px 16px;
    border-radius: 100px;
    font-size: 14px;
    font-weight: 600;
    color: var(--danger);
    margin-bottom: 24px;
}

.pulse {
    width: 8px;
    height: 8px;
    background: var(--danger);
    border-radius: 50%;
    animation: pulse 2s infinite;
}

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

.hero-text h1 {
    font-size: 52px;
    font-weight: 800;
    line-height: 1.1;
    margin-bottom: 24px;
}

.hero-subtitle {
    font-size: 18px;
    color: var(--text-secondary);
    margin-bottom: 32px;
    max-width: 500px;
}

.hero-stats {
    display: flex;
    align-items: center;
    gap: 24px;
    margin-bottom: 32px;
}

.stat {
    text-align: center;
}

.stat-number {
    font-size: 36px;
    font-weight: 800;
}

.stat-label {
    font-size: 14px;
    color: var(--text-secondary);
}

.stat-divider {
    font-size: 14px;
    color: var(--text-muted);
    font-weight: 600;
}

.hero-ctas {
    display: flex;
    gap: 16px;
    margin-bottom: 32px;
}

.btn-primary {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: var(--accent-gradient);
    color: var(--bg-primary);
    padding: 16px 32px;
    border-radius: 12px;
    font-size: 16px;
    font-weight: 700;
    text-decoration: none;
    border: none;
    cursor: pointer;
    transition: transform 0.2s, box-shadow 0.2s;
}

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: var(--glow-green);
}

.btn-glow {
    box-shadow: 0 0 15px rgba(0, 200, 83, 0.15);
}

.btn-secondary {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: transparent;
    color: var(--text-primary);
    padding: 16px 32px;
    border-radius: 12px;
    font-size: 16px;
    font-weight: 600;
    text-decoration: none;
    border: 1px solid var(--border-color);
    cursor: pointer;
    transition: all 0.2s;
}

.btn-secondary:hover {
    background: rgba(255, 255, 255, 0.05);
    border-color: var(--accent-blue);
}

.btn-full {
    width: 100%;
    justify-content: center;
}

.btn-arrow {
    transition: transform 0.2s;
}

.btn-primary:hover .btn-arrow {
    transform: translateX(4px);
}

.trust-pills {
    display: flex;
    gap: 12px;
    flex-wrap: wrap;
}

.trust-pill {
    display: flex;
    align-items: center;
    gap: 6px;
    background: rgba(0, 255, 136, 0.1);
    border: 1px solid rgba(0, 255, 136, 0.2);
    padding: 8px 14px;
    border-radius: 100px;
    font-size: 13px;
    font-weight: 500;
}

/* Form Card */
.form-card {
    background: var(--bg-card);
    border: 1px solid var(--border-color);
    border-radius: 20px;
    padding: 32px;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
}

.form-header {
    text-align: center;
    margin-bottom: 24px;
}

.form-header h3 {
    font-size: 22px;
    margin-bottom: 8px;
}

.form-header p {
    color: var(--text-secondary);
    font-size: 14px;
}

/* Progress Steps */
.progress-steps {
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 24px;
}

.progress-step {
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background: var(--bg-secondary);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 14px;
    color: var(--text-muted);
    border: 2px solid var(--border-color);
}

.progress-step.active {
    background: var(--accent-gradient);
    border-color: transparent;
    color: var(--bg-primary);
}

.progress-line {
    flex: 1;
    height: 2px;
    background: var(--border-color);
    margin: 0 8px;
    max-width: 40px;
}

/* Form Steps */
.form-step {
    display: none;
}

.form-step.active {
    display: block;
}

/* Form Elements */
.form-group {
    margin-bottom: 16px;
}

.form-group label {
    display: block;
    font-weight: 600;
    margin-bottom: 8px;
    font-size: 14px;
}

.input-prefix {
    position: relative;
}

.input-prefix::before {
    content: '$';
    position: absolute;
    left: 16px;
    top: 50%;
    transform: translateY(-50%);
    color: var(--text-muted);
    font-weight: 600;
}

.input-prefix input {
    padding-left: 36px;
}

input, select {
    width: 100%;
    padding: 14px 16px;
    background: var(--bg-input);
    border: 1px solid var(--border-color);
    border-radius: 10px;
    font-size: 16px;
    color: var(--text-primary);
    transition: all 0.2s;
}

input:focus, select:focus {
    outline: none;
    border-color: var(--accent-blue);
    box-shadow: 0 0 0 3px rgba(0, 212, 255, 0.1);
}

.quick-buttons {
    display: flex;
    gap: 8px;
    margin-top: 8px;
    flex-wrap: wrap;
}

.quick-btn {
    padding: 6px 12px;
    background: var(--bg-secondary);
    border: 1px solid var(--border-color);
    border-radius: 6px;
    font-size: 12px;
    color: var(--text-secondary);
    cursor: pointer;
    transition: all 0.2s;
}

.quick-btn:hover {
    background: var(--accent-blue);
    color: var(--bg-primary);
    border-color: var(--accent-blue);
}

.calculation-result {
    background: linear-gradient(135deg, rgba(0, 212, 255, 0.1) 0%, rgba(0, 255, 136, 0.1) 100%);
    border: 1px solid rgba(0, 212, 255, 0.2);
    border-radius: 12px;
    padding: 20px;
    margin-bottom: 20px;
}

.result-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    margin-bottom: 16px;
}

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

.result-item.highlight {
    background: rgba(0, 255, 136, 0.1);
    border-radius: 8px;
    padding: 12px;
}

.result-label {
    display: block;
    font-size: 12px;
    color: var(--text-secondary);
    margin-bottom: 4px;
}

.result-value {
    font-size: 20px;
    font-weight: 800;
}

.ltv-display {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 13px;
}

.ltv-bar {
    flex: 1;
    height: 6px;
    background: var(--bg-secondary);
    border-radius: 3px;
    overflow: hidden;
}

.ltv-fill {
    height: 100%;
    background: var(--accent-gradient);
    border-radius: 3px;
    transition: width 0.3s;
}

.form-actions {
    display: flex;
    gap: 12px;
}

.btn-back {
    flex: 0 0 auto;
    padding: 14px 24px;
    background: transparent;
    border: 1px solid var(--border-color);
    border-radius: 10px;
    color: var(--text-primary);
    font-weight: 600;
    cursor: pointer;
    transition: all 0.2s;
}

.btn-back:hover {
    background: rgba(255, 255, 255, 0.05);
}

.btn-submit {
    flex: 1;
    padding: 14px;
    background: var(--accent-gradient);
    border: none;
    border-radius: 10px;
    color: var(--bg-primary);
    font-size: 16px;
    font-weight: 700;
    cursor: pointer;
    transition: transform 0.2s;
}

.btn-submit:hover {
    transform: translateY(-2px);
}

.form-disclaimer {
    font-size: 12px;
    color: var(--text-muted);
    text-align: center;
    margin-top: 16px;
}

/* Section Headers */
.section-header {
    text-align: center;
    margin-bottom: 48px;
}

.section-tag {
    display: inline-block;
    background: rgba(0, 212, 255, 0.1);
    border: 1px solid rgba(0, 212, 255, 0.2);
    padding: 6px 14px;
    border-radius: 100px;
    font-size: 12px;
    font-weight: 600;
    color: var(--accent-blue);
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 16px;
}

.pulse-tag {
    position: relative;
    padding-left: 28px;
}

.pulse-tag::before {
    content: '';
    position: absolute;
    left: 10px;
    top: 50%;
    transform: translateY(-50%);
    width: 8px;
    height: 8px;
    background: var(--accent-green);
    border-radius: 50%;
    animation: pulse 2s infinite;
}

.section-header h2 {
    font-size: 40px;
    font-weight: 800;
    margin-bottom: 12px;
}

.section-header p {
    color: var(--text-secondary);
    font-size: 18px;
}

/* Arbitrage Section */
.arbitrage-section {
    padding: 100px 0;
    background: var(--bg-secondary);
}

.comparison-grid {
    display: grid;
    grid-template-columns: 1fr auto 1fr;
    gap: 24px;
    align-items: center;
    margin-bottom: 48px;
}

.comparison-card {
    background: var(--bg-card);
    border: 1px solid var(--border-color);
    border-radius: 20px;
    padding: 32px;
    position: relative;
}

.comparison-card.negative {
    border-color: rgba(255, 71, 87, 0.3);
}

.comparison-card.positive {
    border-color: rgba(0, 255, 136, 0.3);
}

.card-badge {
    position: absolute;
    top: -12px;
    right: 24px;
    background: var(--accent-green);
    color: var(--bg-primary);
    padding: 6px 14px;
    border-radius: 100px;
    font-size: 12px;
    font-weight: 700;
}

.card-header {
    display: flex;
    align-items: center;
    gap: 16px;
    margin-bottom: 24px;
}

.card-icon {
    width: 56px;
    height: 56px;
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.comparison-card.negative .card-icon {
    background: rgba(255, 71, 87, 0.1);
    color: var(--danger);
}

.comparison-card.positive .card-icon {
    background: rgba(0, 255, 136, 0.1);
    color: var(--success);
}

.card-title h3 {
    font-size: 20px;
    margin-bottom: 4px;
}

.rate-badge {
    display: inline-block;
    padding: 4px 10px;
    border-radius: 6px;
    font-size: 12px;
    font-weight: 700;
}

.rate-badge.rate-high {
    background: rgba(255, 71, 87, 0.1);
    color: var(--danger);
}

.rate-badge.rate-low {
    background: rgba(0, 255, 136, 0.1);
    color: var(--success);
}

.comparison-visual {
    margin-bottom: 24px;
}

.rate-bar {
    height: 8px;
    background: var(--bg-secondary);
    border-radius: 4px;
    overflow: hidden;
    margin-bottom: 8px;
}

.rate-fill {
    height: 100%;
    border-radius: 4px;
}

.rate-fill-high {
    background: var(--danger);
    width: var(--rate, 100%);
}

.rate-fill-low {
    background: var(--success);
    width: var(--rate, 35%);
}

.rate-label {
    font-size: 13px;
    color: var(--text-muted);
}

.comparison-list {
    list-style: none;
    margin-bottom: 24px;
}

.comparison-list li {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 8px 0;
    font-size: 14px;
    color: var(--text-secondary);
}

.cost-preview {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding-top: 16px;
    border-top: 1px solid var(--border-color);
}

.cost-label {
    font-size: 13px;
    color: var(--text-muted);
}

.cost-value {
    font-size: 24px;
    font-weight: 800;
}

.vs-divider {
    width: 60px;
    height: 60px;
    background: var(--bg-card);
    border: 2px solid var(--border-color);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 14px;
    color: var(--text-muted);
}

.savings-highlight {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 32px;
    background: linear-gradient(135deg, rgba(0, 212, 255, 0.1) 0%, rgba(0, 255, 136, 0.1) 100%);
    border: 1px solid rgba(0, 212, 255, 0.2);
    border-radius: 20px;
    padding: 32px 48px;
}

.savings-icon {
    font-size: 48px;
}

.savings-text h3 {
    font-size: 24px;
    margin-bottom: 4px;
}

.savings-text p {
    color: var(--text-secondary);
}

/* Calculator Section */
.calculator-section {
    padding: 100px 0;
}

.calculator-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 48px;
    background: var(--bg-card);
    border: 1px solid var(--border-color);
    border-radius: 24px;
    padding: 48px;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
}

.slider-group {
    margin-bottom: 32px;
}

.slider-group label {
    display: flex;
    justify-content: space-between;
    margin-bottom: 12px;
}

.input-value {
    color: var(--accent-blue);
    font-weight: 700;
}

input[type="range"] {
    -webkit-appearance: none;
    width: 100%;
    height: 6px;
    background: var(--bg-secondary);
    border-radius: 3px;
    outline: none;
    padding: 0;
}

input[type="range"]::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 20px;
    height: 20px;
    background: var(--accent-gradient);
    border-radius: 50%;
    cursor: pointer;
    box-shadow: var(--glow-blue);
}

.slider-labels {
    display: flex;
    justify-content: space-between;
    font-size: 12px;
    color: var(--text-muted);
    margin-top: 8px;
}

.calculator-results {
    display: flex;
    flex-direction: column;
    gap: 24px;
}

.result-card.main-result {
    background: linear-gradient(135deg, rgba(0, 212, 255, 0.1) 0%, rgba(0, 255, 136, 0.1) 100%);
    border: 1px solid rgba(0, 212, 255, 0.2);
    border-radius: 16px;
    padding: 32px;
    text-align: center;
}

.result-card .result-label {
    font-size: 14px;
    color: var(--text-secondary);
    margin-bottom: 8px;
}

.result-card .result-value {
    font-size: 48px;
    font-weight: 800;
    display: block;
    margin-bottom: 8px;
}

.result-sublabel {
    color: var(--text-muted);
    font-size: 14px;
}

.result-comparison {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.comparison-row {
    display: flex;
    justify-content: space-between;
    padding: 12px 16px;
    background: var(--bg-secondary);
    border-radius: 8px;
}

.comparison-row.highlight {
    background: rgba(0, 255, 136, 0.1);
    border: 1px solid rgba(0, 255, 136, 0.2);
}

.row-label {
    font-size: 14px;
    color: var(--text-secondary);
}

.row-value {
    font-weight: 700;
}

/* Trending Section */
.trending-section {
    padding: 100px 0;
    background: var(--bg-primary);
}

.trending-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
}

.trending-card {
    background: var(--bg-card);
    border: 1px solid var(--border-color);
    border-radius: 16px;
    padding: 24px;
    transition: transform 0.2s, border-color 0.2s, box-shadow 0.2s;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.05);
}

.trending-card:hover {
    transform: translateY(-4px);
    border-color: var(--accent-blue);
    box-shadow: 0 8px 20px rgba(0, 102, 204, 0.1);
}

.trending-card.hot {
    border-color: rgba(255, 71, 87, 0.3);
}

.trend-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 4px 10px;
    border-radius: 6px;
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    margin-bottom: 12px;
}

.trend-badge .pulse-dot {
    width: 6px;
    height: 6px;
}

.trend-badge.news {
    background: rgba(0, 212, 255, 0.1);
    color: var(--accent-blue);
}

.trend-badge.tip {
    background: rgba(255, 165, 2, 0.1);
    color: var(--warning);
}

.trend-badge.data {
    background: rgba(148, 163, 184, 0.1);
    color: var(--text-secondary);
}

.trending-card h3 {
    font-size: 18px;
    margin-bottom: 8px;
}

.trending-card p {
    font-size: 14px;
    color: var(--text-secondary);
    margin-bottom: 16px;
}

.trend-meta {
    display: flex;
    justify-content: space-between;
    font-size: 12px;
    color: var(--text-muted);
}

/* Loan Types Section */
.loan-types {
    padding: 100px 0;
    background: var(--bg-secondary);
}

.loan-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.loan-card {
    background: var(--bg-card);
    border: 1px solid var(--border-color);
    border-radius: 20px;
    padding: 32px;
    text-decoration: none;
    color: var(--text-primary);
    position: relative;
    transition: transform 0.2s, border-color 0.2s, box-shadow 0.2s;
}

.loan-card:hover {
    transform: translateY(-4px);
    border-color: var(--accent-blue);
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.3);
}

.loan-card.featured {
    border-color: rgba(0, 255, 136, 0.3);
}

.loan-card.featured:hover {
    border-color: var(--accent-green);
    box-shadow: var(--glow-green);
}

.loan-icon {
    width: 56px;
    height: 56px;
    background: linear-gradient(135deg, rgba(0, 212, 255, 0.1) 0%, rgba(0, 255, 136, 0.1) 100%);
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--accent-blue);
    margin-bottom: 20px;
}

.loan-card h3 {
    font-size: 20px;
    margin-bottom: 8px;
}

.loan-rate {
    font-size: 14px;
    color: var(--text-secondary);
    margin-bottom: 8px;
}

.loan-rate span {
    font-size: 20px;
    font-weight: 800;
}

.loan-desc {
    font-size: 14px;
    color: var(--text-secondary);
    margin-bottom: 16px;
}

.loan-features {
    list-style: none;
    margin-bottom: 20px;
}

.loan-features li {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 6px 0;
    font-size: 13px;
    color: var(--text-secondary);
}

.loan-features li::before {
    content: '✓';
    color: var(--accent-green);
    font-weight: 700;
}

.loan-cta {
    display: flex;
    align-items: center;
    gap: 8px;
    color: var(--accent-blue);
    font-weight: 600;
    font-size: 14px;
}

/* Trust Bar */
.trust-bar {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 24px;
    padding: 16px 24px;
    background: var(--bg-secondary);
    border-radius: 12px;
    margin-bottom: 24px;
    flex-wrap: wrap;
}

.trust-item {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 13px;
    color: var(--text-secondary);
    font-weight: 500;
}

.trust-stars {
    color: #ffc107;
    font-size: 16px;
}

.trust-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 6px 12px;
    background: var(--bg-primary);
    border-radius: 20px;
    font-size: 12px;
    font-weight: 600;
    color: var(--accent-blue);
    border: 1px solid var(--border-color);
}

.trust-nmls {
    font-size: 12px;
    color: var(--text-muted);
}

/* Responsive */
@media (max-width: 1024px) {
    .hero {
        padding: 80px 0 40px;
        min-height: auto;
    }
    
    .hero-content {
        grid-template-columns: 1fr;
        text-align: center;
        gap: 32px;
    }
    
    .hero-text h1 {
        font-size: 32px;
        line-height: 1.2;
    }
    
    .hero-badge {
        font-size: 12px;
        padding: 6px 12px;
    }
    
    .hero-subtitle {
        font-size: 16px;
        max-width: 100%;
    }
    
    .hero-stats {
        justify-content: center;
        gap: 16px;
    }
    
    .stat-number {
        font-size: 28px;
    }
    
    .hero-ctas {
        justify-content: center;
        flex-direction: column;
        gap: 12px;
        margin-top: 24px !important; /* Override inline styles */
    }
    
    .hero-ctas .btn-primary,
    .hero-ctas .btn-secondary {
        width: 100%;
        justify-content: center;
        min-height: 52px;
        font-size: 16px;
    }
    
    /* Fix form-card negative margins on mobile */
    .form-card {
        margin: 0 !important;
        border-radius: 12px !important;
    }
    
    .trust-bar {
        margin: 0 !important;
        padding: 12px 16px !important;
        flex-wrap: wrap;
        gap: 12px;
    }
    
    .trust-bar img {
        height: 32px !important;
        max-width: 80px;
    }
    
    .hero-stats {
        justify-content: center;
    }
    
    .hero-ctas {
        justify-content: center;
    }
    
    .trust-pills {
        justify-content: center;
    }
    
    .comparison-grid {
        grid-template-columns: 1fr;
    }
    
    .vs-divider {
        transform: rotate(90deg);
        margin: 12px auto;
    }
    
    .calculator-wrapper {
        grid-template-columns: 1fr;
    }
    
    .trending-grid {
        grid-template-columns: 1fr;
    }
    
    .loan-grid {
        grid-template-columns: 1fr;
    }
    
    .savings-highlight {
        flex-direction: column;
        text-align: center;
    }
}

@media (max-width: 768px) {
    .nav {
        display: none;
    }
    
    .mobile-menu-btn {
        display: flex;
    }
    
    .hero-text h1 {
        font-size: 28px;
        line-height: 1.2;
    }
    
    .hero-text p {
        font-size: 16px;
    }
    
    .section-header h2 {
        font-size: 24px;
    }
    
    .form-card {
        padding: 20px;
        margin: 0 -12px;
        border-radius: 12px;
    }
    
    .calculator-wrapper {
        padding: 20px;
        margin: 0 -12px;
        border-radius: 12px;
    }
    
    .trust-bar {
        flex-wrap: wrap;
        gap: 12px;
        padding: 12px;
    }
    
    .trust-item {
        font-size: 11px;
    }
    
    /* Mobile Form Improvements */
    .form-group {
        margin-bottom: 20px;
    }
    
    .form-group label {
        font-size: 14px;
        margin-bottom: 8px;
    }
    
    .form-group input,
    .form-group select {
        padding: 14px 16px;
        font-size: 16px; /* Prevents zoom on iOS */
        min-height: 48px;
    }

    /* Fix: mobile padding shorthand overrides .input-prefix padding-left */
    .input-prefix input {
        padding-left: 36px;
    }
    
    .btn-primary,
    .btn-submit {
        padding: 16px 24px;
        font-size: 16px;
        min-height: 52px;
        width: 100%;
    }
    
    .quick-buttons {
        flex-wrap: wrap;
        gap: 8px;
    }
    
    .quick-btn {
        padding: 10px 16px;
        font-size: 14px;
        flex: 1;
        min-width: 70px;
    }
    
    /* Mobile Calculator */
    .calculator-result {
        padding: 20px;
    }
    
    .result-amount {
        font-size: 36px;
    }
    
    .slider-container {
        margin: 16px 0;
    }
    
    .slider-label {
        font-size: 14px;
    }
    
    .slider-value {
        font-size: 18px;
    }
    
    input[type="range"] {
        height: 44px; /* Larger touch target */
    }
    
    /* Mobile Tables */
    .comparison-table {
        font-size: 14px;
    }
    
    .comparison-table th,
    .comparison-table td {
        padding: 12px 8px;
    }
    
    /* Mobile Cards */
    .loan-card {
        padding: 20px;
    }
    
    .loan-card h3 {
        font-size: 18px;
    }
    
    /* Mobile Steps */
    .form-step {
        padding: 0;
    }
    
    .progress-bar {
        margin-bottom: 24px;
    }
    
    .progress-step {
        width: 32px;
        height: 32px;
        font-size: 14px;
    }
    
    /* Mobile Success Message */
    .success-message {
        padding: 24px 16px;
    }
    
    .success-message h3 {
        font-size: 22px;
    }
    
    /* Mobile Footer */
    .footer-grid {
        grid-template-columns: 1fr;
        gap: 32px;
    }
    
    /* Fix horizontal overflow */
    .container {
        padding: 0 16px;
        overflow-x: hidden;
    }
    
    /* Mobile Arbitrage Cards */
    .arbitrage-card {
        padding: 20px;
    }
    
    .arbitrage-amount {
        font-size: 28px;
    }
    
    /* Mobile LTV Bar */
    .ltv-display {
        flex-direction: column;
        gap: 8px;
        text-align: center;
    }
    
    /* Mobile CTA Buttons */
    .hero-ctas {
        flex-direction: column;
        gap: 12px;
    }
    
    .hero-ctas .btn {
        width: 100%;
        text-align: center;
    }
}

/* Extra Small Devices */
@media (max-width: 480px) {
    .hero {
        padding: 70px 0 30px;
    }
    
    .hero-text h1 {
        font-size: 26px;
        line-height: 1.2;
        margin-bottom: 16px;
    }
    
    .hero-badge {
        font-size: 11px;
        padding: 5px 10px;
        margin-top: 18px;
        margin-bottom: 16px;
    }
    
    .hero-subtitle {
        font-size: 15px;
        margin-bottom: 20px;
        line-height: 1.4;
    }
    
    .hero-stats {
        margin-bottom: 20px;
        gap: 12px;
    }
    
    .stat-number {
        font-size: 22px;
    }
    
    .stat-label {
        font-size: 11px;
    }
    
    .trust-pills {
        gap: 6px;
        margin-top: 16px;
    }
    
    .trust-pill {
        font-size: 10px;
        padding: 5px 8px;
    }
    
    .hero-ctas {
        margin-top: 20px !important;
        gap: 10px;
    }
    
    .form-card {
        padding: 16px !important;
        margin: 0 !important;
    }
    
    .trust-bar {
        padding: 8px 12px !important;
        margin: -16px -16px 16px -16px !important;
    }
    
    .trust-bar img {
        height: 28px !important;
        max-width: 70px;
    }
    
    .section-header h2 {
        font-size: 22px;
    }
    
    .result-amount {
        font-size: 32px;
    }
    
    .calculator-result {
        padding: 16px;
    }
    
    .form-card,
    .calculator-wrapper {
        padding: 16px;
    }
    
    .quick-buttons {
        display: grid;
        grid-template-columns: repeat(2, 1fr);
    }
    
    .trust-bar {
        justify-content: center;
    }
}

/* ──────────────────────────────────────────────
   MOBILE STICKY BOTTOM CTA BAR
   Shows after 8s on mobile — catches bounces
   ────────────────────────────────────────────── */
.mobile-sticky-bar {
    display: none;
}

@media (max-width: 768px) {
    .mobile-sticky-bar {
        display: flex;
        position: fixed;
        bottom: 0;
        left: 0;
        right: 0;
        z-index: 9999;
        background: var(--bg-primary, #0a0a0f);
        border-top: 2px solid rgba(255,255,255,0.1);
        padding: 14px 16px;
        gap: 12px;
        align-items: center;
        box-shadow: 0 -8px 40px rgba(0,0,0,0.5);
        transform: translateY(110%);
        transition: transform 0.45s cubic-bezier(0.16,1,0.3,1);
        padding-bottom: max(14px, env(safe-area-inset-bottom));
    }
    .mobile-sticky-bar.visible {
        transform: translateY(0);
    }
    .mobile-sticky-bar .sticky-text {
        flex: 1;
        font-size: 13px;
        line-height: 1.3;
        color: #fff;
        font-weight: 500;
    }
    .mobile-sticky-bar .sticky-text strong {
        display: block;
        font-size: 14px;
        font-weight: 700;
        color: #fff;
        margin-bottom: 2px;
    }
    .mobile-sticky-bar .sticky-cta {
        background: linear-gradient(135deg, #4f9eff, #00e676);
        color: #000;
        font-weight: 800;
        font-size: 13px;
        padding: 12px 18px;
        border-radius: 10px;
        text-decoration: none;
        white-space: nowrap;
        border: none;
        cursor: pointer;
        flex-shrink: 0;
    }
    .mobile-sticky-bar .sticky-dismiss {
        position: absolute;
        top: 6px;
        right: 8px;
        background: none;
        border: none;
        color: rgba(255,255,255,0.4);
        font-size: 16px;
        cursor: pointer;
        padding: 4px;
        line-height: 1;
    }

    /* ── MOBILE QUIZ STYLE FORM ── */
    .quiz-options {
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 10px;
        margin: 12px 0 20px;
    }
    .quiz-option {
        background: var(--bg-secondary, #1a1a2e);
        border: 2px solid var(--border-color, rgba(255,255,255,0.1));
        border-radius: 12px;
        padding: 14px 10px;
        text-align: center;
        font-size: 15px;
        font-weight: 700;
        color: #fff;
        cursor: pointer;
        transition: all 0.2s;
        -webkit-tap-highlight-color: transparent;
    }
    .quiz-option:active,
    .quiz-option.selected {
        border-color: #4f9eff;
        background: rgba(79,158,255,0.15);
        color: #4f9eff;
    }
    .quiz-option .opt-label {
        display: block;
        font-size: 10px;
        font-weight: 500;
        color: rgba(255,255,255,0.5);
        margin-top: 3px;
    }

    /* Mobile social proof strip above form */
    .mobile-social-proof {
        display: flex;
        align-items: center;
        gap: 8px;
        background: rgba(0,230,118,0.08);
        border: 1px solid rgba(0,230,118,0.2);
        border-radius: 8px;
        padding: 10px 14px;
        margin-bottom: 16px;
        font-size: 12px;
        color: #00e676;
        font-weight: 600;
    }
    .mobile-social-proof span {
        color: rgba(255,255,255,0.7);
        font-weight: 400;
    }

    /* Collapse input fields on mobile step 1 — quiz buttons are primary */
    .mobile-input-optional {
        display: none !important;
    }
    .mobile-quiz-primary {
        display: grid !important;
    }
}

@media (min-width: 769px) {
    .quiz-options { display: none; }
    .mobile-social-proof { display: none; }
}