/* ==========================================================================
   Aspire Credit Union - Design System & Stylesheet
   Color Palette:
   - Primary Deep Purple / Navy: #3e1f47
   - Primary Hover: #2d1434
   - Accent Lime Green: #afd300
   - Accent Lime Dark: #8ca800
   - Accent Teal: #207c84
   - Accent Teal Light: #e6f4f5
   - Accent Orange: #cc5e1f
   - Background Ice: #f1f6f9
   - Background Sage: #f4f8f0
   - Text Dark: #2b2b2b
   - Text Muted: #666666
   - Border Light: #e2e8f0
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:ital,wght@0,300;0,400;0,500;0,600;0,700;0,800;1,400;1,600&family=Outfit:wght@400;500;600;700;800;900&display=swap');

:root {
  --font-primary: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-heading: 'Outfit', var(--font-primary);
  
  --color-primary: #3e1f47;
  --color-primary-dark: #2a1330;
  --color-primary-light: #542c60;
  --color-primary-subtle: #f8f4fa;
  
  --color-lime: #afd300;
  --color-lime-dark: #8da900;
  --color-lime-light: #f5fbc9;
  --color-lime-text: #2f4000;
  
  --color-teal: #207c84;
  --color-teal-dark: #165b61;
  --color-teal-light: #e8f6f7;
  
  --color-orange: #cc5e1f;
  --color-orange-dark: #a94b15;
  --color-orange-light: #fdf1ea;
  
  --color-blue: #2668c5;
  
  --color-bg-light: #f1f6f9;
  --color-bg-sage: #f4f8f0;
  --color-bg-card: #ffffff;
  --color-bg-body: #ffffff;
  
  --color-text-main: #2d3748;
  --color-text-muted: #64748b;
  --color-text-light: #94a3b8;
  --color-border: #e2e8f0;
  
  --shadow-sm: 0 2px 4px rgba(0,0,0,0.04);
  --shadow-md: 0 4px 12px rgba(62, 31, 71, 0.08);
  --shadow-lg: 0 12px 28px rgba(62, 31, 71, 0.12);
  --shadow-xl: 0 20px 40px rgba(62, 31, 71, 0.16);
  --shadow-glow: 0 0 20px rgba(175, 211, 0, 0.4);
  
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --radius-pill: 9999px;
  
  --site-max-width: 1220px;
  --transition: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
}

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: var(--font-primary);
  font-size: 1.0625rem;
  line-height: 1.6;
  color: var(--color-text-main);
  background-color: var(--color-bg-body);
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img, svg {
  max-width: 100%;
  height: auto;
  vertical-align: middle;
}

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

a:hover {
  color: var(--color-teal);
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  color: var(--color-primary);
  line-height: 1.25;
  font-weight: 700;
}

p {
  margin-bottom: 1.25rem;
}

ul, ol {
  margin-bottom: 1.25rem;
  padding-left: 1.25rem;
}

.container {
  width: 100%;
  max-width: var(--site-max-width);
  margin-left: auto;
  margin-right: auto;
  padding-left: 1.25rem;
  padding-right: 1.25rem;
}

/* Accessibility Skip Link */
.skip-link {
  position: absolute;
  top: -999px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--color-primary);
  color: #fff;
  padding: 0.75rem 1.5rem;
  font-weight: 700;
  border-radius: 0 0 var(--radius-md) var(--radius-md);
  z-index: 10000;
  transition: top 0.2s ease;
}

.skip-link:focus {
  top: 0;
}

/* Focus indicator for WCAG compliance */
:focus-visible {
  outline: 3px solid var(--color-lime);
  outline-offset: 3px;
}

/* ---------------- BUTTONS ---------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-family: var(--font-heading);
  font-size: 0.95rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  padding: 0.65rem 1.5rem;
  border-radius: var(--radius-pill);
  border: 2px solid transparent;
  cursor: pointer;
  text-align: center;
  transition: var(--transition);
  line-height: 1.2;
  white-space: nowrap;
}

.btn:active {
  transform: translateY(1px);
}

.btn-primary {
  background-color: var(--color-lime);
  color: var(--color-primary);
  border-color: var(--color-lime);
}

.btn-primary:hover {
  background-color: #fff;
  color: var(--color-primary);
  border-color: var(--color-lime);
  box-shadow: 0 4px 12px rgba(175, 211, 0, 0.35);
}

.btn-secondary {
  background-color: var(--color-primary);
  color: #ffffff;
  border-color: var(--color-primary);
}

.btn-secondary:hover {
  background-color: #ffffff;
  color: var(--color-primary);
  border-color: var(--color-primary);
  box-shadow: 0 4px 12px rgba(62, 31, 71, 0.25);
}

.btn-teal {
  background-color: var(--color-teal);
  color: #ffffff;
  border-color: var(--color-teal);
}

.btn-teal:hover {
  background-color: #ffffff;
  color: var(--color-teal);
  border-color: var(--color-teal);
  box-shadow: 0 4px 12px rgba(32, 124, 132, 0.25);
}

.btn-orange {
  background-color: var(--color-orange);
  color: #ffffff;
  border-color: var(--color-orange);
}

.btn-orange:hover {
  background-color: #ffffff;
  color: var(--color-orange);
  border-color: var(--color-orange);
}

.btn-outline {
  background-color: transparent;
  color: var(--color-primary);
  border-color: var(--color-lime);
}

.btn-outline:hover {
  background-color: var(--color-primary);
  color: #ffffff;
  border-color: var(--color-lime);
}

.btn-sm {
  font-size: 0.85rem;
  padding: 0.45rem 1rem;
}

.btn-lg {
  font-size: 1.05rem;
  padding: 0.85rem 2rem;
}

/* ---------------- HEADER & NAVIGATION ---------------- */
.site-header {
  position: relative;
  background-color: #ffffff;
  z-index: 1000;
  box-shadow: var(--shadow-sm);
}

/* Top Utility Bar */
.header-top {
  background-color: #ffffff;
  border-bottom: 1px solid var(--color-border);
  padding: 0.6rem 0;
}

.header-top-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.header-brand {
  display: flex;
  align-items: center;
}

.brand-logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  text-decoration: none;
}

.logo-mark {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: linear-gradient(135deg, var(--color-primary) 0%, #683076 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-lime);
  box-shadow: 0 4px 10px rgba(62, 31, 71, 0.2);
}

.logo-text-wrap {
  display: flex;
  flex-direction: column;
}

.logo-text-title {
  font-family: var(--font-heading);
  font-size: 1.55rem;
  font-weight: 800;
  color: var(--color-primary);
  letter-spacing: -0.02em;
  line-height: 1;
}

.logo-text-title span {
  color: var(--color-teal);
}

.logo-text-sub {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  color: var(--color-text-muted);
  margin-top: 2px;
}

.header-top-actions {
  display: flex;
  align-items: center;
  gap: 1.25rem;
}

.top-nav {
  display: flex;
  align-items: center;
  gap: 1.1rem;
  list-style: none;
  margin: 0;
  padding: 0;
}

.top-nav a {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--color-text-muted);
  transition: var(--transition);
}

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

.top-nav .badge-zelle {
  color: #7414ca;
  font-weight: 700;
}

.header-tools {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

/* Banking Login Dropdown Container */
.banking-login-container {
  position: relative;
}

.banking-login-btn {
  background: var(--color-lime);
  color: var(--color-primary);
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 0.9rem;
  padding: 0.5rem 1.15rem;
  border-radius: var(--radius-pill);
  border: 2px solid transparent;
  display: flex;
  align-items: center;
  gap: 0.5rem;
  cursor: pointer;
  transition: var(--transition);
}

.banking-login-btn:hover {
  background: #ffffff;
  border-color: var(--color-lime);
  box-shadow: 0 4px 12px rgba(175, 211, 0, 0.4);
}

.banking-login-btn svg {
  width: 18px;
  height: 18px;
  fill: currentColor;
}

/* Dropdown Menu Panel */
.banking-dropdown-menu {
  position: absolute;
  top: calc(100% + 12px);
  right: 0;
  width: 340px;
  background: #ffffff;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--color-border);
  padding: 1.5rem;
  display: none;
  z-index: 1100;
  animation: fadeInDown 0.25s ease-out forwards;
}

.banking-dropdown-menu.active {
  display: block;
}

.banking-dropdown-menu::before {
  content: '';
  position: absolute;
  top: -8px;
  right: 32px;
  width: 16px;
  height: 16px;
  background: #fff;
  transform: rotate(45deg);
  border-left: 1px solid var(--color-border);
  border-top: 1px solid var(--color-border);
}

.banking-dropdown-header {
  margin-bottom: 1.25rem;
  border-bottom: 1px solid var(--color-border);
  padding-bottom: 0.75rem;
}

.banking-dropdown-header h3 {
  font-size: 1.25rem;
  color: var(--color-primary);
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.banking-dropdown-header p {
  font-size: 0.82rem;
  color: var(--color-text-muted);
  margin-bottom: 0;
  margin-top: 2px;
}

.banking-tabs {
  display: flex;
  background: var(--color-bg-light);
  border-radius: var(--radius-sm);
  padding: 3px;
  margin-bottom: 1rem;
}

.banking-tab-btn {
  flex: 1;
  border: none;
  background: transparent;
  padding: 0.4rem;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--color-text-muted);
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: var(--transition);
}

.banking-tab-btn.active {
  background: #ffffff;
  color: var(--color-primary);
  box-shadow: var(--shadow-sm);
}

.banking-form .form-group {
  margin-bottom: 0.85rem;
}

.banking-form label {
  display: block;
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: 0.3rem;
}

.banking-form .form-control {
  width: 100%;
  padding: 0.55rem 0.75rem;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  outline: none;
}

.banking-form .form-control:focus {
  border-color: var(--color-primary);
}

.banking-links {
  display: flex;
  justify-content: space-between;
  margin-top: 0.75rem;
  font-size: 0.8rem;
}

/* Search Trigger & Search Box */
.search-container {
  position: relative;
}

.search-trigger-btn {
  background: var(--color-bg-light);
  border: 1px solid var(--color-border);
  width: 38px;
  height: 38px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-primary);
  cursor: pointer;
  transition: var(--transition);
}

.search-trigger-btn:hover {
  background: var(--color-primary);
  color: #ffffff;
  border-color: var(--color-primary);
}

.search-dropdown-menu {
  position: absolute;
  top: calc(100% + 12px);
  right: 0;
  width: 320px;
  background: #ffffff;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--color-border);
  padding: 1rem;
  display: none;
  z-index: 1100;
  animation: fadeInDown 0.25s ease-out forwards;
}

.search-dropdown-menu.active {
  display: block;
}

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

.search-input {
  width: 100%;
  padding: 0.6rem 2.2rem 0.6rem 0.85rem;
  font-size: 0.95rem;
  border: 2px solid var(--color-border);
  border-radius: var(--radius-md);
  outline: none;
  font-family: inherit;
  transition: var(--transition);
}

.search-input:focus {
  border-color: var(--color-primary);
}

.search-submit-btn {
  position: absolute;
  right: 8px;
  background: none;
  border: none;
  cursor: pointer;
  color: var(--color-primary);
  padding: 4px;
}

.search-results-list {
  list-style: none;
  padding: 0;
  margin: 0.75rem 0 0;
  max-height: 200px;
  overflow-y: auto;
  font-size: 0.85rem;
}

.search-results-list li {
  padding: 0.4rem 0.6rem;
  border-radius: var(--radius-sm);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.search-results-list li:hover {
  background: var(--color-bg-light);
  color: var(--color-primary);
}

/* ---------------- MAIN NAVIGATION (MEGA MENU) ---------------- */
.header-main-nav {
  background-color: #ffffff;
  border-bottom: 2px solid var(--color-bg-light);
}

.main-nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.main-menu {
  display: flex;
  align-items: center;
  list-style: none;
  margin: 0;
  padding: 0;
  gap: 0.5rem;
}

.main-menu-item {
  position: relative;
}

.main-menu-link {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  padding: 1rem 1.1rem;
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--color-primary);
  text-decoration: none;
  border-bottom: 3px solid transparent;
  transition: var(--transition);
}

.main-menu-link svg {
  width: 14px;
  height: 14px;
  transition: transform 0.2s ease;
}

.main-menu-item:hover .main-menu-link,
.main-menu-item.active .main-menu-link {
  color: var(--color-teal);
  border-bottom-color: var(--color-lime);
}

.main-menu-item:hover .main-menu-link svg {
  transform: rotate(180deg);
}

/* Mega Menu Dropdown */
.mega-menu {
  position: absolute;
  top: 100%;
  left: 0;
  width: 720px;
  background: #ffffff;
  border-radius: 0 0 var(--radius-lg) var(--radius-lg);
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--color-border);
  border-top: 3px solid var(--color-lime);
  padding: 1.75rem;
  display: none;
  z-index: 1200;
  animation: fadeIn 0.2s ease-out forwards;
}

.mega-menu-wide {
  width: 860px;
}

.main-menu-item:hover .mega-menu {
  display: block;
}

.mega-menu-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.75rem;
}

.mega-col-title {
  font-size: 1.15rem;
  color: var(--color-primary);
  font-weight: 800;
  margin-bottom: 0.85rem;
  padding-bottom: 0.35rem;
  border-bottom: 2px solid var(--color-bg-light);
  display: flex;
  align-items: center;
  gap: 0.4rem;
}

.mega-sub-menu {
  list-style: none;
  padding: 0;
  margin: 0;
}

.mega-sub-menu li {
  margin-bottom: 0.5rem;
}

.mega-sub-menu a {
  font-size: 0.95rem;
  color: var(--color-text-main);
  font-weight: 500;
  display: flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.25rem 0.5rem;
  border-radius: var(--radius-sm);
  transition: var(--transition);
}

.mega-sub-menu a:hover {
  background-color: var(--color-bg-light);
  color: var(--color-primary);
  font-weight: 700;
  transform: translateX(4px);
}

.mega-sub-menu a.current-page {
  background-color: var(--color-primary-subtle);
  color: var(--color-primary);
  font-weight: 700;
  border-left: 3px solid var(--color-lime);
}

.mega-cta-box {
  background: var(--color-bg-sage);
  border-radius: var(--radius-md);
  padding: 1.25rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  border: 1px solid #dbe8d2;
}

.mega-cta-box h4 {
  font-size: 1.05rem;
  margin-bottom: 0.4rem;
}

.mega-cta-box p {
  font-size: 0.85rem;
  color: var(--color-text-muted);
  margin-bottom: 1rem;
}

.mega-quick-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-top: 1.25rem;
  padding-top: 1rem;
  border-top: 1px solid var(--color-border);
}

/* Mobile Hamburger Toggle */
.mobile-menu-toggle {
  display: none;
  background: var(--color-primary);
  color: #fff;
  border: none;
  padding: 0.6rem 1rem;
  border-radius: var(--radius-pill);
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 0.95rem;
  align-items: center;
  gap: 0.5rem;
  cursor: pointer;
}

/* Mobile Off-canvas Drawer */
.mobile-drawer {
  position: fixed;
  top: 0;
  right: -100%;
  width: 85%;
  max-width: 380px;
  height: 100%;
  background: #ffffff;
  box-shadow: var(--shadow-xl);
  z-index: 2000;
  transition: right 0.35s cubic-bezier(0.4, 0, 0.2, 1);
  overflow-y: auto;
  display: flex;
  flex-direction: column;
}

.mobile-drawer.open {
  right: 0;
}

.mobile-drawer-overlay {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: rgba(0, 0, 0, 0.5);
  z-index: 1999;
  display: none;
}

.mobile-drawer-overlay.open {
  display: block;
}

.mobile-drawer-header {
  padding: 1.25rem;
  background: var(--color-primary);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.mobile-drawer-close {
  background: transparent;
  border: none;
  color: #fff;
  font-size: 1.5rem;
  cursor: pointer;
}

.mobile-drawer-body {
  padding: 1.5rem;
  flex-grow: 1;
}

.mobile-nav-list {
  list-style: none;
  padding: 0;
  margin: 0 0 1.5rem;
}

.mobile-nav-item {
  border-bottom: 1px solid var(--color-border);
}

.mobile-nav-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.9rem 0;
  font-family: var(--font-heading);
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--color-primary);
  cursor: pointer;
}

.mobile-sub-list {
  list-style: none;
  padding: 0 0 0.75rem 1rem;
  margin: 0;
  display: none;
}

.mobile-sub-list.active {
  display: block;
}

.mobile-sub-list li {
  margin-bottom: 0.5rem;
}

.mobile-sub-list a {
  font-size: 0.95rem;
  color: var(--color-text-main);
  display: block;
  padding: 0.3rem 0;
}

/* ---------------- HERO / BANNER SECTION ---------------- */
.hero-banner {
  position: relative;
  background: linear-gradient(135deg, #2a1330 0%, #3e1f47 50%, #1f4247 100%);
  color: #ffffff;
  padding: 3.5rem 0 3.8rem;
  overflow: hidden;
}

.hero-banner::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(175, 211, 0, 0.15) 0%, rgba(255,255,255,0) 70%);
  pointer-events: none;
}

.hero-banner::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 12px;
  background: linear-gradient(90deg, var(--color-lime) 0%, var(--color-teal) 50%, var(--color-orange) 100%);
}

.hero-content {
  position: relative;
  z-index: 2;
  max-width: 800px;
}

.breadcrumbs {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  list-style: none;
  padding: 0;
  margin-bottom: 1.25rem;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 600;
}

.breadcrumbs a {
  color: rgba(255, 255, 255, 0.75);
}

.breadcrumbs a:hover {
  color: var(--color-lime);
}

.breadcrumbs li:not(:last-child)::after {
  content: '/';
  margin-left: 0.5rem;
  color: rgba(255, 255, 255, 0.4);
}

.breadcrumbs li:last-child {
  color: var(--color-lime);
}

.hero-title {
  font-size: 3.2rem;
  font-weight: 900;
  color: #ffffff;
  letter-spacing: -0.02em;
  line-height: 1.15;
  margin-bottom: 0.75rem;
}

.hero-subtitle {
  font-size: 1.25rem;
  color: rgba(255, 255, 255, 0.88);
  font-weight: 400;
  line-height: 1.5;
  margin-bottom: 1.5rem;
}

.hero-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
}

.hero-badge-pill {
  background: rgba(255, 255, 255, 0.12);
  backdrop-filter: blur(8px);
  border: 1px solid rgba(255, 255, 255, 0.2);
  color: #ffffff;
  padding: 0.4rem 1rem;
  border-radius: var(--radius-pill);
  font-size: 0.85rem;
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
}

.hero-badge-pill svg {
  color: var(--color-lime);
}

/* ---------------- MAIN CONTENT SECTION ---------------- */
.main-section {
  padding: 3.5rem 0 4rem;
  background-color: #ffffff;
}

.content-grid {
  display: grid;
  grid-template-columns: 1fr 360px;
  gap: 2.5rem;
  align-items: start;
}

/* Loan Product Article Cards */
.loan-product-card {
  background: #ffffff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: 2.25rem;
  margin-bottom: 2.25rem;
  box-shadow: var(--shadow-sm);
  position: relative;
  transition: var(--transition);
}

.loan-product-card:hover {
  box-shadow: var(--shadow-md);
  border-color: #cbd5e1;
}

.product-card-badge {
  position: absolute;
  top: -12px;
  right: 28px;
  background: var(--color-lime);
  color: var(--color-primary);
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 0.78rem;
  text-transform: uppercase;
  padding: 0.3rem 0.85rem;
  border-radius: var(--radius-pill);
  box-shadow: var(--shadow-sm);
}

.product-title {
  font-size: 2rem;
  color: var(--color-primary);
  font-weight: 800;
  margin-bottom: 1rem;
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.product-title-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: var(--color-bg-sage);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-teal);
}

.product-description {
  font-size: 1.08rem;
  color: #4a5568;
  line-height: 1.7;
  margin-bottom: 1.5rem;
}

/* Feature Bullets with Custom Lime Dots */
.feature-checklist {
  list-style: none;
  padding: 0;
  margin: 0 0 2rem 0;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 0.85rem;
  background: var(--color-bg-sage);
  padding: 1.25rem 1.5rem;
  border-radius: var(--radius-md);
  border: 1px solid #e1eed8;
}

.feature-checklist li {
  font-size: 1.02rem;
  font-weight: 700;
  color: var(--color-primary);
  display: flex;
  align-items: center;
  gap: 0.65rem;
}

.feature-bullet-icon {
  width: 22px;
  height: 22px;
  background: var(--color-lime);
  color: var(--color-primary);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 0.75rem;
}

.product-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
  align-items: center;
}

.footnote-text {
  font-size: 0.82rem;
  color: var(--color-text-muted);
  font-style: italic;
  margin-top: 1.5rem;
  padding-top: 1rem;
  border-top: 1px dashed var(--color-border);
}

/* In-Page Interactive Loan Estimator Widget */
.loan-estimator-widget {
  background: linear-gradient(135deg, var(--color-primary-subtle) 0%, #edf6f7 100%);
  border: 2px solid #d5e6e8;
  border-radius: var(--radius-xl);
  padding: 2rem;
  margin-bottom: 2.5rem;
}

.estimator-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 1.5rem;
  flex-wrap: wrap;
  gap: 1rem;
}

.estimator-header h3 {
  font-size: 1.5rem;
  color: var(--color-primary);
  display: flex;
  align-items: center;
  gap: 0.6rem;
}

.estimator-body {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
}

.estimator-controls {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.slider-group label {
  display: flex;
  justify-content: space-between;
  font-weight: 700;
  color: var(--color-primary);
  font-size: 0.95rem;
  margin-bottom: 0.4rem;
}

.slider-group .slider-val {
  color: var(--color-teal);
  font-size: 1.1rem;
}

.range-slider {
  width: 100%;
  height: 8px;
  border-radius: 4px;
  background: #cbd5e1;
  outline: none;
  -webkit-appearance: none;
  cursor: pointer;
}

.range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--color-lime);
  border: 3px solid var(--color-primary);
  cursor: pointer;
  box-shadow: var(--shadow-sm);
  transition: transform 0.1s ease;
}

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

.term-btn-group {
  display: flex;
  gap: 0.5rem;
}

.term-btn {
  flex: 1;
  padding: 0.45rem;
  background: #ffffff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 0.88rem;
  color: var(--color-text-main);
  cursor: pointer;
  transition: var(--transition);
}

.term-btn.active, .term-btn:hover {
  background: var(--color-primary);
  color: #ffffff;
  border-color: var(--color-primary);
}

.estimator-result-card {
  background: #ffffff;
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--color-border);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  text-align: center;
}

.result-card-heading {
  font-size: 0.85rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--color-text-muted);
  letter-spacing: 0.05em;
}

.result-card-amount {
  font-family: var(--font-heading);
  font-size: 2.8rem;
  font-weight: 900;
  color: var(--color-primary);
  line-height: 1;
  margin: 0.6rem 0;
}

.result-card-amount span {
  font-size: 1.2rem;
  color: var(--color-text-muted);
  font-weight: 600;
}

.result-details-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.85rem;
  color: var(--color-text-muted);
  border-top: 1px solid var(--color-border);
  padding-top: 0.75rem;
  margin-top: 0.75rem;
  margin-bottom: 1rem;
}

.result-details-row strong {
  color: var(--color-primary);
}

/* ---------------- SIDEBAR CONTENT ---------------- */
.sidebar-container {
  display: flex;
  flex-direction: column;
  gap: 2rem;
}

/* Looking to Rebuild Credit Promo Card */
.promo-card {
  background: #ffffff;
  border-radius: var(--radius-xl);
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-md);
  overflow: hidden;
  position: relative;
  transition: var(--transition);
}

.promo-card:hover {
  box-shadow: var(--shadow-lg);
}

.promo-card-banner {
  background: linear-gradient(135deg, var(--color-primary) 0%, #532560 100%);
  padding: 1.75rem 1.5rem;
  color: #ffffff;
  position: relative;
}

.promo-card-banner h3 {
  color: #ffffff;
  font-size: 1.45rem;
  font-weight: 800;
  line-height: 1.2;
}

.promo-card-body {
  padding: 1.5rem;
}

.promo-tagline {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--color-primary);
  margin-bottom: 0.85rem;
}

.promo-list {
  list-style: none;
  padding: 0;
  margin: 0 0 1.5rem 0;
}

.promo-list li {
  padding: 0.45rem 0;
  font-size: 0.98rem;
  font-weight: 600;
  color: var(--color-text-main);
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.promo-list li::before {
  content: '✓';
  width: 20px;
  height: 20px;
  background: var(--color-teal-light);
  color: var(--color-teal);
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  font-weight: 900;
}

/* Category Child Navigation Menu */
.child-nav-card {
  background: #ffffff;
  border-radius: var(--radius-xl);
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-sm);
  padding: 1.5rem;
}

.child-nav-header {
  font-size: 1.3rem;
  color: var(--color-primary);
  font-weight: 800;
  margin-bottom: 1rem;
  padding-bottom: 0.5rem;
  border-bottom: 2px solid var(--color-bg-light);
}

.child-nav-list {
  list-style: none;
  padding: 0;
  margin: 0;
}

.child-nav-item {
  margin-bottom: 0.5rem;
}

.child-nav-link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.75rem 1rem;
  border-radius: var(--radius-md);
  font-size: 1rem;
  font-weight: 600;
  color: var(--color-text-main);
  background: var(--color-bg-light);
  transition: var(--transition);
}

.child-nav-link:hover {
  background: var(--color-primary-subtle);
  color: var(--color-primary);
  padding-left: 1.25rem;
}

.child-nav-link.active {
  background: var(--color-primary);
  color: #ffffff;
  font-weight: 700;
}

.child-nav-link.active svg {
  color: var(--color-lime);
}

/* ---------------- 4-COLUMN FEATURED RATE BAR ---------------- */
.rate-bar-section {
  background: linear-gradient(135deg, #1c0c20 0%, var(--color-primary) 50%, #152d30 100%);
  padding: 4rem 0;
  color: #ffffff;
  position: relative;
  overflow: hidden;
}

.rate-bar-section::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 4px;
  background: linear-gradient(90deg, var(--color-lime), var(--color-teal), var(--color-orange));
}

.rate-bar-header {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 3rem;
}

.rate-bar-header h2 {
  color: #ffffff;
  font-size: 2.2rem;
  font-weight: 800;
  margin-bottom: 0.5rem;
}

.rate-bar-header p {
  color: rgba(255, 255, 255, 0.8);
  font-size: 1.05rem;
}

.rate-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}

.rate-card {
  background: rgba(255, 255, 255, 0.08);
  backdrop-filter: blur(12px);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius-xl);
  padding: 2rem 1.5rem;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  transition: all 0.35s cubic-bezier(0.4, 0, 0.2, 1);
  position: relative;
}

.rate-card:hover {
  transform: translateY(-8px);
  background: rgba(255, 255, 255, 0.14);
  border-color: var(--color-lime);
  box-shadow: 0 16px 32px rgba(0, 0, 0, 0.3);
}

.rate-icon-wrap {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: rgba(175, 211, 0, 0.15);
  border: 2px solid var(--color-lime);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-lime);
  margin-bottom: 1.25rem;
  transition: var(--transition);
}

.rate-card:hover .rate-icon-wrap {
  transform: rotateY(180deg);
  background: var(--color-lime);
  color: var(--color-primary);
}

.rate-icon-wrap svg {
  width: 30px;
  height: 30px;
}

.rate-label {
  font-family: var(--font-heading);
  font-size: 1.35rem;
  font-weight: 800;
  color: #ffffff;
  margin-bottom: 0.25rem;
}

.rate-prefix {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.7);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 600;
}

.rate-figure-wrap {
  display: flex;
  align-items: baseline;
  justify-content: center;
  gap: 2px;
  margin: 0.75rem 0 1.5rem;
}

.rate-number {
  font-family: var(--font-heading);
  font-size: 3.2rem;
  font-weight: 900;
  color: var(--color-lime);
  line-height: 1;
}

.rate-unit {
  font-family: var(--font-heading);
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--color-lime);
}

.rate-suffix {
  font-size: 0.95rem;
  font-weight: 700;
  color: rgba(255, 255, 255, 0.85);
  margin-left: 4px;
}

.rate-card .btn-calculate {
  background: #ffffff;
  color: var(--color-primary);
  border: 2px solid var(--color-lime);
  width: 100%;
  margin-top: auto;
}

.rate-card .btn-calculate:hover {
  background: var(--color-primary);
  color: #ffffff;
  border-color: #ffffff;
}

/* ---------------- MODALS & DIALOGS ---------------- */
.modal-backdrop-custom {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: rgba(18, 7, 21, 0.75);
  backdrop-filter: blur(6px);
  z-index: 3000;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 1.5rem;
  animation: fadeIn 0.2s ease-out;
}

.modal-backdrop-custom.active {
  display: flex;
}

.modal-box {
  background: #ffffff;
  width: 100%;
  max-width: 580px;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--color-border);
  overflow: hidden;
  animation: scaleUp 0.25s cubic-bezier(0.34, 1.56, 0.64, 1);
  position: relative;
  max-height: 90vh;
  display: flex;
  flex-direction: column;
}

.modal-header {
  background: var(--color-primary);
  color: #ffffff;
  padding: 1.25rem 1.75rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.modal-header h3 {
  color: #ffffff;
  font-size: 1.35rem;
  margin: 0;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.modal-close-btn {
  background: rgba(255, 255, 255, 0.15);
  border: none;
  color: #ffffff;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  font-size: 1.2rem;
  transition: var(--transition);
}

.modal-close-btn:hover {
  background: rgba(255, 255, 255, 0.3);
  transform: rotate(90deg);
}

.modal-body {
  padding: 1.75rem;
  overflow-y: auto;
}

.modal-footer {
  padding: 1.25rem 1.75rem;
  background: var(--color-bg-light);
  border-top: 1px solid var(--color-border);
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 0.75rem;
}

/* Calculator Form Elements */
.calc-form-group {
  margin-bottom: 1.25rem;
}

.calc-form-group label {
  display: block;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: 0.4rem;
}

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

.calc-addon-symbol {
  position: absolute;
  left: 1rem;
  color: var(--color-text-muted);
  font-weight: 700;
}

.calc-addon-suffix {
  position: absolute;
  right: 1rem;
  color: var(--color-text-muted);
  font-weight: 700;
}

.calc-input {
  width: 100%;
  padding: 0.75rem 1rem;
  font-size: 1.05rem;
  font-family: inherit;
  font-weight: 600;
  color: var(--color-text-main);
  background: #ffffff;
  border: 2px solid var(--color-border);
  border-radius: var(--radius-md);
  transition: var(--transition);
}

.calc-input.has-prefix {
  padding-left: 2.25rem;
}

.calc-input.has-suffix {
  padding-right: 2.5rem;
}

.calc-input:focus {
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px rgba(62, 31, 71, 0.1);
  outline: none;
}

.calc-results-panel {
  background: var(--color-bg-sage);
  border: 1px solid #d5e5cb;
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  margin-top: 1.5rem;
  text-align: center;
}

.calc-result-title {
  font-size: 0.85rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--color-text-muted);
  letter-spacing: 0.05em;
}

.calc-result-big {
  font-family: var(--font-heading);
  font-size: 2.5rem;
  font-weight: 900;
  color: var(--color-primary);
  margin: 0.3rem 0 0.8rem;
}

.calc-result-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  border-top: 1px solid #d5e5cb;
  padding-top: 0.85rem;
  text-align: left;
  font-size: 0.9rem;
}

/* ---------------- FOOTER SECTION ---------------- */
.site-footer {
  background-color: #24112a;
  color: #cbd5e1;
  padding: 4rem 0 2rem;
  font-size: 0.95rem;
  border-top: 1px solid #3e1f47;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.3fr 0.9fr;
  gap: 3rem;
  margin-bottom: 3rem;
}

.footer-brand {
  margin-bottom: 1.5rem;
}

.footer-copy-text {
  color: #94a3b8;
  line-height: 1.7;
  margin-bottom: 1.5rem;
}

.footer-routing-box {
  background: rgba(255, 255, 255, 0.05);
  border-left: 3px solid var(--color-lime);
  padding: 0.75rem 1rem;
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  margin-bottom: 1.5rem;
  font-size: 0.9rem;
}

.footer-pipe-nav {
  display: flex;
  flex-wrap: wrap;
  list-style: none;
  padding: 0;
  margin: 0 0 1.5rem 0;
  gap: 0.5rem 1.25rem;
}

.footer-pipe-nav a {
  color: #cbd5e1;
  font-weight: 500;
}

.footer-pipe-nav a:hover {
  color: var(--color-lime);
}

.footer-badges-container {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 1.5rem;
}

.social-links {
  display: flex;
  gap: 0.75rem;
  list-style: none;
  padding: 0;
}

.social-btn {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #ffffff;
  transition: var(--transition);
}

.social-btn:hover {
  background: var(--color-lime);
  color: var(--color-primary);
  transform: translateY(-3px);
}

.compliance-badges {
  display: flex;
  align-items: center;
  gap: 1.5rem;
}

.compliance-badge-item {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  background: rgba(255, 255, 255, 0.05);
  padding: 0.5rem 1rem;
  border-radius: var(--radius-md);
  border: 1px solid rgba(255, 255, 255, 0.1);
  font-size: 0.82rem;
  font-weight: 700;
  color: #ffffff;
}

.compliance-badge-item svg {
  width: 24px;
  height: 24px;
}

.footer-bottom-bar {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 1.5rem;
  text-align: center;
  color: #64748b;
  font-size: 0.85rem;
}

/* ---------------- ANIMATIONS ---------------- */
@keyframes fadeIn {
  from { opacity: 0; }
  to { opacity: 1; }
}

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

@keyframes scaleUp {
  from {
    opacity: 0;
    transform: scale(0.95);
  }
  to {
    opacity: 1;
    transform: scale(1);
  }
}

/* Scroll reveal helper classes */
.animate-on-scroll {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.5s ease-out, transform 0.5s ease-out;
}

.animate-on-scroll.animated {
  opacity: 1;
  transform: translateY(0);
}

/* ---------------- RESPONSIVE BREAKPOINTS ---------------- */
@media (max-width: 1080px) {
  .rate-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .content-grid {
    grid-template-columns: 1fr;
  }
  .sidebar-container {
    display: grid;
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 900px) {
  .top-nav {
    display: none;
  }
  .main-menu {
    display: none;
  }
  .mobile-menu-toggle {
    display: flex;
  }
  .footer-grid {
    grid-template-columns: 1fr;
  }
  .footer-badges-container {
    align-items: flex-start;
  }
  .estimator-body {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 640px) {
  .hero-title {
    font-size: 2.2rem;
  }
  .rate-grid {
    grid-template-columns: 1fr;
  }
  .sidebar-container {
    grid-template-columns: 1fr;
  }
  .banking-dropdown-menu {
    width: 300px;
    right: -50px;
  }
  .banking-dropdown-menu::before {
    right: 80px;
  }
  .product-actions {
    flex-direction: column;
    align-items: stretch;
  }
  .product-actions .btn {
    width: 100%;
  }
}