/* ============================================
   Plain Green Loans Apply - Main Stylesheet
   Professional Finance Affiliate Site
   ============================================ */

/* CSS Variables */
:root {
  /* Primary Colors - Trust & Finance */
  --primary: #0B6E4F;
  --primary-dark: #084C37;
  --primary-light: #0D8A63;
  
  /* Accent Colors */
  --accent: #E85D04;
  --accent-light: #F48C06;
  --warning: #DC2626;
  --success: #059669;
  
  /* Neutrals */
  --dark: #1A1A2E;
  --gray-900: #212529;
  --gray-800: #343A40;
  --gray-700: #495057;
  --gray-600: #6C757D;
  --gray-500: #ADB5BD;
  --gray-400: #CED4DA;
  --gray-300: #DEE2E6;
  --gray-200: #E9ECEF;
  --gray-100: #F8F9FA;
  --white: #FFFFFF;
  
  /* Typography */
  --font-display: 'Libre Franklin', -apple-system, sans-serif;
  --font-body: 'Source Sans 3', -apple-system, sans-serif;
  --font-mono: 'JetBrains Mono', monospace;
  
  /* Spacing */
  --space-xs: 0.25rem;
  --space-sm: 0.5rem;
  --space-md: 1rem;
  --space-lg: 1.5rem;
  --space-xl: 2rem;
  --space-2xl: 3rem;
  --space-3xl: 4rem;
  
  /* Border Radius */
  --radius-sm: 4px;
  --radius-md: 8px;
  --radius-lg: 12px;
  --radius-xl: 16px;
  --radius-full: 9999px;
  
  /* Shadows */
  --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
  --shadow-md: 0 4px 6px -1px rgba(0,0,0,0.1);
  --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.1);
  --shadow-xl: 0 20px 25px -5px rgba(0,0,0,0.1);
  
  /* Transitions */
  --transition-fast: 150ms ease;
  --transition-base: 250ms ease;
  --transition-slow: 350ms ease;
}

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

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

body {
  font-family: var(--font-body);
  font-size: 1rem;
  line-height: 1.6;
  color: var(--gray-800);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

/* Typography */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  font-weight: 700;
  line-height: 1.2;
  color: var(--gray-900);
}

h1 { font-size: 2.5rem; }
h2 { font-size: 2rem; }
h3 { font-size: 1.5rem; }
h4 { font-size: 1.25rem; }
h5 { font-size: 1.125rem; }
h6 { font-size: 1rem; }

@media (min-width: 768px) {
  h1 { font-size: 3rem; }
  h2 { font-size: 2.25rem; }
  h3 { font-size: 1.75rem; }
}

p {
  margin-bottom: var(--space-md);
}

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

a:hover {
  color: var(--primary-dark);
}

img {
  max-width: 100%;
  height: auto;
}

/* Container */
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 var(--space-md);
}

.container-narrow {
  max-width: 800px;
}

/* ============================================
   HEADER & NAVIGATION
   ============================================ */

.header {
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: var(--shadow-sm);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 70px;
}

.logo {
  display: flex;
  align-items: center;
  gap: var(--space-sm);
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.5rem;
  color: var(--primary);
}

.logo-icon {
  width: 40px;
  height: 40px;
  background: var(--primary);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-weight: 700;
}

.nav-main {
  display: none;
}

@media (min-width: 992px) {
  .nav-main {
    display: flex;
    align-items: center;
    gap: var(--space-xl);
  }
}

.nav-main a {
  font-weight: 500;
  color: var(--gray-700);
  padding: var(--space-sm) 0;
  position: relative;
}

.nav-main a::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--primary);
  transition: width var(--transition-base);
}

.nav-main a:hover::after,
.nav-main a.active::after {
  width: 100%;
}

.nav-main a:hover,
.nav-main a.active {
  color: var(--primary);
}

.btn-apply {
  display: inline-flex;
  align-items: center;
  gap: var(--space-sm);
  background: var(--primary);
  color: var(--white);
  padding: var(--space-sm) var(--space-lg);
  border-radius: var(--radius-full);
  font-weight: 600;
  transition: all var(--transition-base);
}

.btn-apply:hover {
  background: var(--primary-dark);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

/* Mobile Menu */
.mobile-toggle {
  display: flex;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: var(--space-sm);
}

@media (min-width: 992px) {
  .mobile-toggle {
    display: none;
  }
}

.mobile-toggle span {
  width: 24px;
  height: 2px;
  background: var(--gray-800);
  transition: var(--transition-fast);
}

.mobile-menu {
  display: none;
  position: absolute;
  top: 70px;
  left: 0;
  right: 0;
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  padding: var(--space-lg);
  box-shadow: var(--shadow-lg);
}

.mobile-menu.active {
  display: block;
}

.mobile-menu a {
  display: block;
  padding: var(--space-md);
  color: var(--gray-700);
  border-bottom: 1px solid var(--gray-200);
}

/* ============================================
   AFFILIATE DISCLOSURE
   ============================================ */

.affiliate-disclosure {
  background: linear-gradient(135deg, #FEF3C7, #FDE68A);
  border: 1px solid #F59E0B;
  border-radius: var(--radius-md);
  padding: var(--space-md);
  margin-bottom: var(--space-xl);
  font-size: 0.875rem;
}

.affiliate-disclosure strong {
  color: var(--gray-900);
}

/* ============================================
   HERO SECTION
   ============================================ */

.hero {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  color: var(--white);
  padding: var(--space-3xl) 0;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.05'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.hero-content {
  position: relative;
  z-index: 1;
  text-align: center;
  max-width: 800px;
  margin: 0 auto;
}

.hero h1 {
  color: var(--white);
  margin-bottom: var(--space-lg);
}

.hero-subtitle {
  font-size: 1.25rem;
  opacity: 0.9;
  margin-bottom: var(--space-xl);
}

.hero-badges {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: var(--space-md);
  margin-bottom: var(--space-xl);
}

.badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-xs);
  background: rgba(255,255,255,0.15);
  padding: var(--space-sm) var(--space-md);
  border-radius: var(--radius-full);
  font-size: 0.875rem;
}

.hero-cta {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: var(--space-md);
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-sm);
  padding: var(--space-md) var(--space-xl);
  border-radius: var(--radius-md);
  font-weight: 600;
  font-size: 1rem;
  cursor: pointer;
  transition: all var(--transition-base);
  border: none;
  text-decoration: none;
}

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

.btn-primary:hover {
  background: var(--gray-100);
  color: var(--primary-dark);
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
}

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

.btn-outline:hover {
  background: var(--white);
  color: var(--primary);
}

.btn-cta {
  background: var(--accent);
  color: var(--white);
}

.btn-cta:hover {
  background: var(--accent-light);
  color: var(--white);
}

/* ============================================
   QUICK STATS BOX
   ============================================ */

.quick-stats {
  background: var(--white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  margin-top: calc(-1 * var(--space-3xl));
  position: relative;
  z-index: 10;
  overflow: hidden;
}

.stats-header {
  background: var(--gray-900);
  color: var(--white);
  padding: var(--space-lg);
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: var(--space-md);
}

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

.stars {
  color: #FBBF24;
  font-size: 1.25rem;
}

.rating-text {
  font-weight: 600;
}

.stats-updated {
  font-size: 0.875rem;
  opacity: 0.7;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1px;
  background: var(--gray-200);
}

@media (min-width: 768px) {
  .stats-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.stat-item {
  background: var(--white);
  padding: var(--space-lg);
  text-align: center;
}

.stat-label {
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--gray-600);
  margin-bottom: var(--space-xs);
}

.stat-value {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--gray-900);
}

.stat-value.warning {
  color: var(--warning);
}

.stat-value.success {
  color: var(--success);
}

/* ============================================
   SECTIONS
   ============================================ */

.section {
  padding: var(--space-3xl) 0;
}

.section-alt {
  background: var(--gray-100);
}

.section-header {
  text-align: center;
  max-width: 700px;
  margin: 0 auto var(--space-2xl);
}

.section-header h2 {
  margin-bottom: var(--space-md);
}

.section-header p {
  color: var(--gray-600);
  font-size: 1.125rem;
}

/* ============================================
   PROS & CONS
   ============================================ */

.pros-cons {
  display: grid;
  gap: var(--space-xl);
}

@media (min-width: 768px) {
  .pros-cons {
    grid-template-columns: 1fr 1fr;
  }
}

.pros-box, .cons-box {
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
}

.pros-box {
  background: linear-gradient(135deg, #ECFDF5, #D1FAE5);
  border: 1px solid #6EE7B7;
}

.cons-box {
  background: linear-gradient(135deg, #FEF2F2, #FECACA);
  border: 1px solid #FCA5A5;
}

.pros-box h3, .cons-box h3 {
  display: flex;
  align-items: center;
  gap: var(--space-sm);
  margin-bottom: var(--space-lg);
}

.pros-box h3 {
  color: #059669;
}

.cons-box h3 {
  color: #DC2626;
}

.pros-box ul, .cons-box ul {
  list-style: none;
}

.pros-box li, .cons-box li {
  padding: var(--space-sm) 0;
  padding-left: var(--space-xl);
  position: relative;
}

.pros-box li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: #059669;
  font-weight: bold;
}

.cons-box li::before {
  content: '✗';
  position: absolute;
  left: 0;
  color: #DC2626;
  font-weight: bold;
}

/* ============================================
   COMPARISON TABLE
   ============================================ */

.table-wrapper {
  overflow-x: auto;
  margin: var(--space-xl) 0;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
}

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9375rem;
}

.comparison-table th,
.comparison-table td {
  padding: var(--space-md);
  text-align: left;
  border-bottom: 1px solid var(--gray-200);
}

.comparison-table th {
  background: var(--gray-900);
  color: var(--white);
  font-weight: 600;
  white-space: nowrap;
}

.comparison-table tr:nth-child(even) {
  background: var(--gray-50);
}

.comparison-table tr:hover {
  background: var(--gray-100);
}

.comparison-table tr.highlighted {
  background: linear-gradient(135deg, #ECFDF5, #D1FAE5);
}

.comparison-table tr.highlighted:hover {
  background: linear-gradient(135deg, #D1FAE5, #A7F3D0);
}

.apr-high {
  color: var(--warning);
  font-weight: 600;
}

.apr-medium {
  color: #D97706;
  font-weight: 600;
}

.apr-low {
  color: var(--success);
  font-weight: 600;
}

.winner-badge {
  display: inline-block;
  background: var(--success);
  color: var(--white);
  padding: 2px 8px;
  border-radius: var(--radius-full);
  font-size: 0.75rem;
  font-weight: 600;
}

/* ============================================
   FAQ ACCORDION
   ============================================ */

.faq-list {
  max-width: 800px;
  margin: 0 auto;
}

.faq-item {
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  margin-bottom: var(--space-md);
  overflow: hidden;
}

.faq-question {
  width: 100%;
  background: var(--white);
  border: none;
  padding: var(--space-lg);
  text-align: left;
  font-size: 1rem;
  font-weight: 600;
  color: var(--gray-900);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  transition: background var(--transition-fast);
}

.faq-question:hover {
  background: var(--gray-50);
}

.faq-icon {
  font-size: 1.5rem;
  color: var(--primary);
  transition: transform var(--transition-base);
}

.faq-item.active .faq-icon {
  transform: rotate(45deg);
}

.faq-answer {
  display: none;
  padding: 0 var(--space-lg) var(--space-lg);
  color: var(--gray-700);
  line-height: 1.7;
}

.faq-item.active .faq-answer {
  display: block;
}

/* ============================================
   CARDS
   ============================================ */

.card-grid {
  display: grid;
  gap: var(--space-xl);
}

@media (min-width: 768px) {
  .card-grid-2 {
    grid-template-columns: repeat(2, 1fr);
  }
  
  .card-grid-3 {
    grid-template-columns: repeat(3, 1fr);
  }
}

.card {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  overflow: hidden;
  transition: all var(--transition-base);
}

.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-xl);
}

.card-image {
  width: 100%;
  height: 200px;
  object-fit: cover;
}

.card-body {
  padding: var(--space-lg);
}

.card-category {
  display: inline-block;
  background: var(--primary);
  color: var(--white);
  padding: 4px 12px;
  border-radius: var(--radius-full);
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  margin-bottom: var(--space-sm);
}

.card-title {
  font-size: 1.25rem;
  margin-bottom: var(--space-sm);
}

.card-text {
  color: var(--gray-600);
  font-size: 0.9375rem;
}

.card-link {
  display: inline-flex;
  align-items: center;
  gap: var(--space-xs);
  color: var(--primary);
  font-weight: 600;
  margin-top: var(--space-md);
}

.card-link:hover {
  gap: var(--space-sm);
}

/* ============================================
   COST CALCULATOR
   ============================================ */

.calculator {
  background: var(--white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  padding: var(--space-2xl);
  max-width: 600px;
  margin: 0 auto;
}

.calculator h3 {
  text-align: center;
  margin-bottom: var(--space-xl);
}

.calc-group {
  margin-bottom: var(--space-lg);
}

.calc-group label {
  display: block;
  font-weight: 600;
  margin-bottom: var(--space-sm);
  color: var(--gray-800);
}

.calc-group input[type="range"] {
  width: 100%;
  height: 8px;
  border-radius: var(--radius-full);
  background: var(--gray-200);
  outline: none;
  -webkit-appearance: none;
}

.calc-group input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--primary);
  cursor: pointer;
  box-shadow: var(--shadow-md);
}

.calc-value {
  display: flex;
  justify-content: space-between;
  font-size: 0.875rem;
  color: var(--gray-600);
  margin-top: var(--space-xs);
}

.calc-display {
  font-family: var(--font-display);
  font-size: 2rem;
  font-weight: 700;
  text-align: center;
  color: var(--primary);
}

.calc-results {
  background: var(--gray-100);
  border-radius: var(--radius-md);
  padding: var(--space-lg);
  margin-top: var(--space-xl);
}

.calc-result-item {
  display: flex;
  justify-content: space-between;
  padding: var(--space-sm) 0;
  border-bottom: 1px solid var(--gray-200);
}

.calc-result-item:last-child {
  border-bottom: none;
}

.calc-result-item .label {
  color: var(--gray-600);
}

.calc-result-item .value {
  font-weight: 600;
  color: var(--gray-900);
}

.calc-result-item .value.warning {
  color: var(--warning);
}

/* ============================================
   AUTHOR BOX (E-E-A-T)
   ============================================ */

.author-box {
  display: flex;
  gap: var(--space-lg);
  background: var(--gray-100);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  margin: var(--space-2xl) 0;
  align-items: flex-start;
}

.author-avatar {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 2rem;
  font-weight: 700;
  flex-shrink: 0;
}

.author-info h4 {
  margin-bottom: var(--space-xs);
}

.author-title {
  color: var(--primary);
  font-weight: 600;
  font-size: 0.875rem;
  margin-bottom: var(--space-sm);
}

.author-bio {
  color: var(--gray-600);
  font-size: 0.9375rem;
  margin-bottom: var(--space-sm);
}

.author-credentials {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-sm);
}

.credential {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  background: var(--white);
  padding: 4px 10px;
  border-radius: var(--radius-full);
  font-size: 0.75rem;
  color: var(--gray-700);
}

/* ============================================
   CTA SECTION
   ============================================ */

.cta-section {
  background: linear-gradient(135deg, var(--gray-900) 0%, var(--dark) 100%);
  color: var(--white);
  padding: var(--space-3xl) 0;
  text-align: center;
}

.cta-section h2 {
  color: var(--white);
  margin-bottom: var(--space-md);
}

.cta-section p {
  opacity: 0.8;
  max-width: 600px;
  margin: 0 auto var(--space-xl);
}

.cta-features {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: var(--space-lg);
  margin-bottom: var(--space-xl);
}

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

.cta-feature-icon {
  width: 24px;
  height: 24px;
  background: var(--success);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
}

/* ============================================
   FOOTER
   ============================================ */

.footer {
  background: var(--gray-900);
  color: var(--gray-400);
  padding: var(--space-3xl) 0 var(--space-xl);
}

.footer-grid {
  display: grid;
  gap: var(--space-2xl);
  margin-bottom: var(--space-2xl);
}

@media (min-width: 768px) {
  .footer-grid {
    grid-template-columns: 2fr 1fr 1fr 1fr;
  }
}

.footer-brand h3 {
  color: var(--white);
  margin-bottom: var(--space-md);
}

.footer-brand p {
  font-size: 0.9375rem;
  line-height: 1.7;
}

.footer h4 {
  color: var(--white);
  font-size: 1rem;
  margin-bottom: var(--space-lg);
}

.footer-links {
  list-style: none;
}

.footer-links li {
  margin-bottom: var(--space-sm);
}

.footer-links a {
  color: var(--gray-400);
  font-size: 0.9375rem;
  transition: color var(--transition-fast);
}

.footer-links a:hover {
  color: var(--white);
}

.footer-bottom {
  border-top: 1px solid var(--gray-800);
  padding-top: var(--space-xl);
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: var(--space-md);
  font-size: 0.875rem;
}

.footer-legal {
  display: flex;
  gap: var(--space-lg);
}

.footer-legal a {
  color: var(--gray-500);
}

.footer-legal a:hover {
  color: var(--white);
}

/* ============================================
   BREADCRUMB
   ============================================ */

.breadcrumb {
  padding: var(--space-md) 0;
  background: var(--gray-100);
  font-size: 0.875rem;
}

.breadcrumb-list {
  display: flex;
  flex-wrap: wrap;
  list-style: none;
  gap: var(--space-sm);
}

.breadcrumb-list li::after {
  content: '/';
  margin-left: var(--space-sm);
  color: var(--gray-400);
}

.breadcrumb-list li:last-child::after {
  display: none;
}

.breadcrumb-list a {
  color: var(--gray-600);
}

.breadcrumb-list a:hover {
  color: var(--primary);
}

/* ============================================
   ARTICLE CONTENT
   ============================================ */

.article-content {
  max-width: 800px;
  margin: 0 auto;
}

.article-content h2 {
  margin-top: var(--space-2xl);
  margin-bottom: var(--space-lg);
  padding-bottom: var(--space-sm);
  border-bottom: 2px solid var(--gray-200);
}

.article-content h3 {
  margin-top: var(--space-xl);
  margin-bottom: var(--space-md);
}

.article-content ul,
.article-content ol {
  margin-bottom: var(--space-lg);
  padding-left: var(--space-xl);
}

.article-content li {
  margin-bottom: var(--space-sm);
}

.article-content blockquote {
  border-left: 4px solid var(--primary);
  padding-left: var(--space-lg);
  margin: var(--space-xl) 0;
  font-style: italic;
  color: var(--gray-700);
}

/* Info Box */
.info-box {
  background: #EFF6FF;
  border: 1px solid #3B82F6;
  border-radius: var(--radius-md);
  padding: var(--space-lg);
  margin: var(--space-xl) 0;
}

.info-box.warning {
  background: #FEF3C7;
  border-color: #F59E0B;
}

.info-box.danger {
  background: #FEF2F2;
  border-color: #EF4444;
}

.info-box-title {
  display: flex;
  align-items: center;
  gap: var(--space-sm);
  font-weight: 700;
  margin-bottom: var(--space-sm);
}

/* ============================================
   TABLE OF CONTENTS
   ============================================ */

.toc {
  background: var(--gray-100);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  margin-bottom: var(--space-2xl);
}

.toc h4 {
  margin-bottom: var(--space-md);
}

.toc-list {
  list-style: none;
}

.toc-list li {
  padding: var(--space-sm) 0;
  border-bottom: 1px solid var(--gray-200);
}

.toc-list li:last-child {
  border-bottom: none;
}

.toc-list a {
  color: var(--gray-700);
  display: flex;
  align-items: center;
  gap: var(--space-sm);
}

.toc-list a:hover {
  color: var(--primary);
}

.toc-number {
  color: var(--primary);
  font-weight: 600;
  min-width: 24px;
}

/* ============================================
   UTILITIES
   ============================================ */

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

.mb-0 { margin-bottom: 0; }
.mb-1 { margin-bottom: var(--space-sm); }
.mb-2 { margin-bottom: var(--space-md); }
.mb-3 { margin-bottom: var(--space-lg); }
.mb-4 { margin-bottom: var(--space-xl); }

.mt-0 { margin-top: 0; }
.mt-1 { margin-top: var(--space-sm); }
.mt-2 { margin-top: var(--space-md); }
.mt-3 { margin-top: var(--space-lg); }
.mt-4 { margin-top: var(--space-xl); }

.hidden { display: none; }

@media (max-width: 767px) {
  .hide-mobile { display: none; }
}

@media (min-width: 768px) {
  .hide-desktop { display: none; }
}

/* ============================================
   HOMEPAGE SPECIFIC STYLES
   ============================================ */

/* Hero Split Layout */
.hero-split {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
  align-items: center;
}

@media (min-width: 992px) {
  .hero-split {
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
  }
}

/* Hero Card */
.hero-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 1.5rem;
  box-shadow: 0 25px 50px rgba(0,0,0,0.25);
  max-width: 400px;
  margin: 0 auto;
}

.hero-card-header {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-bottom: 1.5rem;
}

.hero-card-logo {
  width: 56px;
  height: 56px;
  background: linear-gradient(135deg, var(--primary), #22C55E);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
}

.hero-card-logo svg {
  width: 28px;
  height: 28px;
  fill: white;
}

.hero-card-title {
  font-weight: 700;
  color: var(--gray-900);
  font-size: 1.2rem;
}

.hero-card-subtitle {
  color: var(--gray-600);
  font-size: 0.875rem;
}

.hero-card-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-bottom: 1.5rem;
}

.stat-box {
  padding: 1rem;
  border-radius: var(--radius-lg);
  text-align: center;
}

.stat-box.warning {
  background: #FEF3C7;
}

.stat-box.success {
  background: #DCFCE7;
}

.stat-box-label {
  font-size: 0.7rem;
  font-weight: 600;
  text-transform: uppercase;
  margin-bottom: 0.25rem;
}

.stat-box.warning .stat-box-label { color: #92400E; }
.stat-box.success .stat-box-label { color: #166534; }

.stat-box-value {
  font-size: 1.4rem;
  font-weight: 800;
}

.stat-box.warning .stat-box-value { color: #D97706; }
.stat-box.success .stat-box-value { color: #16A34A; }

.hero-card-details {
  border-top: 1px solid var(--gray-200);
  padding-top: 1rem;
}

.detail-row {
  display: flex;
  justify-content: space-between;
  margin-bottom: 0.5rem;
}

.detail-row:last-child {
  margin-bottom: 0;
}

.detail-label {
  color: var(--gray-600);
}

.detail-value {
  font-weight: 600;
  color: var(--gray-900);
}

.detail-value.rating {
  color: #F59E0B;
}

/* Trust Bar */
.trust-bar {
  background: var(--gray-100);
  padding: 1.25rem 0;
  border-bottom: 1px solid var(--gray-200);
}

.trust-items {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 1.5rem;
}

@media (min-width: 768px) {
  .trust-items {
    gap: 2rem;
  }
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  color: var(--gray-600);
  font-size: 0.875rem;
}

.trust-item svg {
  width: 18px;
  height: 18px;
  fill: #22C55E;
}

/* Info Section Grid */
.info-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
  align-items: center;
}

@media (min-width: 992px) {
  .info-grid {
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
  }
}

/* Tag/Badge */
.tag {
  display: inline-block;
  padding: 0.5rem 1rem;
  border-radius: var(--radius-full);
  font-size: 0.875rem;
  font-weight: 600;
}

.tag-green {
  background: #DCFCE7;
  color: #166534;
}

.tag-red {
  background: #FEE2E2;
  color: #991B1B;
}

.tag-blue {
  background: #DBEAFE;
  color: #1D4ED8;
}

.tag-purple {
  background: #E0E7FF;
  color: #4338CA;
}

/* Warning Box */
.warning-box {
  background: #FEF3C7;
  border-left: 4px solid #F59E0B;
  padding: 1rem 1.5rem;
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  margin-top: 1.5rem;
}

.warning-box strong {
  color: #92400E;
}

.warning-box span {
  color: #78350F;
}

/* Infographic Card */
.info-card {
  background: linear-gradient(135deg, #F0FDF4 0%, #DCFCE7 100%);
  border-radius: var(--radius-xl);
  padding: 2rem;
}

.info-card-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
}

.info-card-item {
  background: white;
  padding: 1.25rem;
  border-radius: var(--radius-lg);
  text-align: center;
  box-shadow: 0 2px 8px rgba(0,0,0,0.05);
}

.info-card-icon {
  font-size: 2rem;
  margin-bottom: 0.5rem;
}

.info-card-title {
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 0.25rem;
}

.info-card-desc {
  font-size: 0.8rem;
  color: var(--gray-600);
}

/* Cost Table */
.cost-table-wrapper {
  background: white;
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  max-width: 900px;
  margin: 0 auto;
}

.cost-table-header {
  background: linear-gradient(135deg, #DC2626, #991B1B);
  color: white;
  padding: 1.25rem 2rem;
  text-align: center;
}

.cost-table {
  width: 100%;
  border-collapse: collapse;
}

.cost-table th,
.cost-table td {
  padding: 1rem 1.25rem;
  text-align: left;
  border-bottom: 1px solid var(--gray-200);
}

.cost-table th {
  background: var(--gray-100);
  font-weight: 600;
  color: var(--gray-700);
}

.cost-table td.text-center,
.cost-table th.text-center {
  text-align: center;
}

.cost-table td.text-right,
.cost-table th.text-right {
  text-align: right;
}

.cost-table .apr-cell {
  color: #DC2626;
  font-weight: 600;
}

.cost-table .interest-cell {
  color: #DC2626;
  font-weight: 700;
  background: #FEE2E2;
}

.cost-table-warning {
  background: #FEF3C7;
  padding: 1.25rem 1.5rem;
  display: flex;
  align-items: flex-start;
  gap: 1rem;
}

.cost-table-warning strong {
  color: #92400E;
}

.cost-table-warning span {
  color: #78350F;
}

/* APR Bar Chart */
.apr-chart {
  max-width: 750px;
  margin: 2.5rem auto 0;
}

.apr-bar {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-bottom: 0.75rem;
}

.apr-bar-label {
  width: 130px;
  font-size: 0.85rem;
  color: var(--gray-600);
}

.apr-bar-label.highlight {
  font-weight: 700;
  color: var(--gray-900);
}

.apr-bar-track {
  flex: 1;
  background: var(--gray-200);
  border-radius: 6px;
  height: 28px;
  overflow: hidden;
}

.apr-bar-fill {
  height: 100%;
  border-radius: 6px;
  display: flex;
  align-items: center;
  padding-left: 0.5rem;
}

.apr-bar-fill.green {
  background: linear-gradient(90deg, #22C55E, #4ADE80);
}

.apr-bar-fill.orange {
  background: linear-gradient(90deg, #F59E0B, #FBBF24);
}

.apr-bar-fill.red {
  background: linear-gradient(90deg, #DC2626, #EF4444);
}

.apr-bar-text {
  color: white;
  font-weight: 600;
  font-size: 0.75rem;
}

/* State Boxes */
.state-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
  max-width: 850px;
  margin: 0 auto;
}

@media (min-width: 768px) {
  .state-grid {
    grid-template-columns: 1fr 1fr;
  }
}

.state-box {
  border-radius: var(--radius-lg);
  padding: 1.25rem;
  border: 2px solid;
}

.state-box.available {
  background: #F0FDF4;
  border-color: #22C55E;
}

.state-box.unavailable {
  background: #FEF2F2;
  border-color: #EF4444;
}

.state-box h3 {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin-bottom: 0.75rem;
  font-size: 1rem;
}

.state-box.available h3 { color: #166534; }
.state-box.unavailable h3 { color: #991B1B; }

.state-box p {
  font-size: 0.85rem;
  color: var(--gray-700);
  line-height: 1.7;
  margin: 0;
}

/* Steps Grid */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.25rem;
  max-width: 950px;
  margin: 2rem auto;
}

@media (min-width: 768px) {
  .steps-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.step-card {
  background: white;
  border-radius: var(--radius-lg);
  padding: 1.25rem;
  text-align: center;
  box-shadow: var(--shadow-md);
}

.step-num {
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, var(--primary), #22C55E);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-weight: 700;
  font-size: 1.1rem;
  margin: 0 auto 1rem;
}

.step-card h4 {
  margin-bottom: 0.5rem;
  font-size: 1rem;
}

.step-card p {
  font-size: 0.8rem;
  color: var(--gray-600);
  margin: 0;
}

/* Image containers */
.img-responsive {
  width: 100%;
  height: auto;
  border-radius: var(--radius-lg);
}

.img-shadow {
  box-shadow: var(--shadow-lg);
}

/* Resource Cards with Image */
.resource-card-img {
  height: 140px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-lg) var(--radius-lg) 0 0;
}

.resource-card-img.green {
  background: linear-gradient(135deg, var(--primary), #22C55E);
}

.resource-card-img.red {
  background: linear-gradient(135deg, #DC2626, #F87171);
}

.resource-card-img.blue {
  background: linear-gradient(135deg, #2563EB, #60A5FA);
}

.resource-card-img svg {
  width: 56px;
  height: 56px;
  fill: white;
}

/* CTA Section Enhanced */
.cta-dark {
  background: linear-gradient(135deg, #1F2937, #111827);
  padding: 3.5rem 0;
  text-align: center;
}

.cta-dark h2 {
  color: white;
  margin-bottom: 1rem;
}

.cta-dark p {
  color: #9CA3AF;
  max-width: 650px;
  margin: 0 auto 1.5rem;
}

.cta-features {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 1rem;
  margin-bottom: 1.5rem;
}

.cta-feature {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  color: #9CA3AF;
  font-size: 0.9rem;
}

.cta-feature svg {
  width: 18px;
  height: 18px;
  fill: #22C55E;
}

.cta-buttons {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 1rem;
  align-items: center;
}

.btn-success {
  background: linear-gradient(135deg, #22C55E, #16A34A);
  color: white;
  padding: 1rem 2rem;
  border-radius: var(--radius-md);
  font-weight: 600;
  text-decoration: none;
  transition: all var(--transition-base);
}

.btn-success:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
  color: white;
}

.link-alt {
  color: #4ADE80;
  font-weight: 600;
  text-decoration: none;
}

.link-alt:hover {
  color: #22C55E;
}

/* Responsive adjustments */
@media (max-width: 767px) {
  .hero h1 {
    font-size: 2rem;
  }
  
  .section-header h2 {
    font-size: 1.75rem;
  }
  
  .cost-table th,
  .cost-table td {
    padding: 0.75rem;
    font-size: 0.85rem;
  }
  
  .apr-bar-label {
    width: 100px;
    font-size: 0.75rem;
  }
}