/* ==========================================================================
   Arrowhead Advance — "Professional Polish" Design System
   Fintech UX, High-Contrast Slate & Vibrant Blue Palette, WCAG 2.2 AA Compliant
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. CSS CUSTOM PROPERTIES & DESIGN TOKENS
   -------------------------------------------------------------------------- */
:root {
  /* Brand Palette — Professional Polish Theme */
  --color-primary: #0F172A;        /* Slate 900 - Deep Slate Base */
  --color-primary-hover: #1E293B;  /* Slate 800 */
  --color-accent: #2563EB;         /* Vibrant Blue 600 - Primary Brand Accent */
  --color-accent-hover: #1D4ED8;   /* Blue 700 */
  --color-accent-light: #EFF6FF;   /* Blue 50 */
  --color-sky: #0284C7;            /* Sky 600 */
  --color-sky-light: #E0F2FE;      /* Sky 100 */

  /* Neutral Surface System */
  --color-bg-main: #F8FAFC;        /* Slate 50 Off-white Canvas */
  --color-bg-surface: #FFFFFF;     /* Pure White Cards */
  --color-bg-subtle: #F1F5F9;      /* Slate 100 */
  --color-bg-hover: #E2E8F0;       /* Slate 200 */

  /* Typography Colors */
  --color-text-main: #0F172A;      /* Slate 900 */
  --color-text-muted: #475569;     /* Slate 600 High Contrast */
  --color-text-subtle: #94A3B8;    /* Slate 400 */
  --color-text-inverse: #FFFFFF;

  /* UI States & Borders */
  --color-border: #E2E8F0;         /* Slate 200 */
  --color-border-strong: #CBD5E1;  /* Slate 300 */
  --color-success: #10B981;        /* Emerald 500 */
  --color-success-bg: #ECFDF5;     /* Emerald 50 */
  --color-warning: #B45309;        /* Amber 700 */
  --color-warning-bg: #FEF3C7;     /* Amber 100 */
  --color-error: #DC2626;          /* Red 600 */
  --color-error-bg: #FEF2F2;       /* Red 50 */

  /* Typography Stack */
  --font-family: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  
  /* Radii */
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --radius-full: 9999px;

  /* Shadows — Professional Polish Soft Blue Tinted Shadows */
  --shadow-sm: 0 1px 3px 0 rgba(15, 23, 42, 0.05);
  --shadow-md: 0 4px 16px -2px rgba(37, 99, 235, 0.08), 0 2px 4px -2px rgba(15, 23, 42, 0.04);
  --shadow-lg: 0 20px 35px -10px rgba(30, 58, 138, 0.1), 0 8px 12px -6px rgba(15, 23, 42, 0.05);
  --shadow-blue-cta: 0 10px 25px -5px rgba(37, 99, 235, 0.3);

  /* Focus Ring */
  --focus-ring: 0 0 0 3px rgba(37, 99, 235, 0.35);

  /* Transitions */
  --transition-fast: 0.15s cubic-bezier(0.4, 0, 0.2, 1);
  --transition-normal: 0.25s cubic-bezier(0.4, 0, 0.2, 1);
}

/* --------------------------------------------------------------------------
   2. RESET & BASE STYLES
   -------------------------------------------------------------------------- */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  font-size: 100%;
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-family);
  background-color: var(--color-bg-main);
  color: var(--color-text-main);
  line-height: 1.6;
  font-weight: 400;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  overflow-x: hidden;
}

/* Typography Hierarchy */
h1, h2, h3, h4, h5, h6 {
  color: var(--color-text-main);
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -0.025em;
}

h1 {
  font-size: clamp(2.5rem, 4.5vw + 1rem, 3.85rem);
}

h2 {
  font-size: clamp(1.85rem, 2.75vw + 1rem, 2.85rem);
}

h3 {
  font-size: clamp(1.25rem, 1.5vw + 0.8rem, 1.75rem);
}

h4 {
  font-size: clamp(1.1rem, 1vw + 0.75rem, 1.35rem);
}

p {
  color: var(--color-text-muted);
  font-size: 1.0625rem;
  line-height: 1.65;
  margin-bottom: 1rem;
}

p:last-child {
  margin-bottom: 0;
}

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

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

a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible {
  outline: none;
  box-shadow: var(--focus-ring);
  border-color: var(--color-accent);
}

/* Layout Containers */
.container {
  width: 100%;
  max-width: 1240px;
  margin-left: auto;
  margin-right: auto;
  padding-left: 1.5rem;
  padding-right: 1.5rem;
}

.container-narrow {
  max-width: 1060px;
}

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

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

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

/* --------------------------------------------------------------------------
   3. HEADER & NAVIGATION
   -------------------------------------------------------------------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background-color: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--color-border);
  transition: box-shadow var(--transition-fast);
}

.site-header.header-static {
  position: relative;
  top: auto;
}

.site-header.is-scrolled {
  box-shadow: var(--shadow-sm);
}

.nav-wrapper {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 80px;
}

/* Logo */
.brand-logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-weight: 800;
  font-size: 1.4rem;
  color: var(--color-primary);
  text-decoration: none;
  letter-spacing: -0.03em;
}

.brand-logo-icon {
  width: 36px;
  height: 36px;
  background-color: var(--color-accent);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #ffffff;
  box-shadow: 0 4px 12px rgba(37, 99, 235, 0.25);
}

.brand-logo span.highlight {
  color: var(--color-accent);
}

/* Desktop Navigation */
.desktop-nav {
  display: none;
  align-items: center;
  gap: 2rem;
}

@media (min-width: 900px) {
  .desktop-nav {
    display: flex;
  }
}

.nav-link {
  font-weight: 600;
  font-size: 0.9375rem;
  color: var(--color-text-muted);
  padding: 0.5rem 0.25rem;
  position: relative;
  transition: color var(--transition-fast);
}

.nav-link:hover, .nav-link.active {
  color: var(--color-accent);
}

.nav-link.active::after {
  content: '';
  position: absolute;
  bottom: -2px;
  left: 0;
  width: 100%;
  height: 2.5px;
  background-color: var(--color-accent);
  border-radius: var(--radius-full);
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 1rem;
}

/* Header CTA Button — Desktop Only */
#headerCtaBtn {
  display: none;
}

@media (min-width: 900px) {
  #headerCtaBtn {
    display: inline-flex;
  }
}

/* Back to Home Button (Apply Header) — Hidden on Mobile */
#backToHomeBtn {
  display: none;
}

@media (min-width: 640px) {
  #backToHomeBtn {
    display: inline-flex;
  }
}

/* Mobile Nav Toggle */
.mobile-nav-toggle {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  background: transparent;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  color: var(--color-text-main);
  cursor: pointer;
}

@media (min-width: 900px) {
  .mobile-nav-toggle {
    display: none;
  }
}

.mobile-drawer {
  position: fixed;
  top: 80px;
  left: 0;
  right: 0;
  background-color: var(--color-bg-surface);
  border-bottom: 1px solid var(--color-border);
  padding: 1.5rem;
  box-shadow: var(--shadow-lg);
  display: none;
  flex-direction: column;
  gap: 1rem;
  z-index: 999;
}

.mobile-drawer.is-open {
  display: flex;
  animation: slideDown 0.2s ease-out forwards;
}

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

.mobile-nav-link {
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--color-text-main);
  padding: 0.75rem 0;
  border-bottom: 1px solid var(--color-bg-subtle);
}

/* --------------------------------------------------------------------------
   4. BUTTONS & BADGES
   -------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-family: var(--font-family);
  font-weight: 700;
  font-size: 0.95rem;
  padding: 0.875rem 1.75rem;
  border-radius: var(--radius-full);
  border: 1px solid transparent;
  cursor: pointer;
  white-space: nowrap;
  transition: all var(--transition-fast);
  text-decoration: none;
  line-height: 1;
}

.btn-primary {
  background-color: var(--color-accent);
  color: #ffffff;
  box-shadow: var(--shadow-blue-cta);
}

.btn-primary:hover {
  background-color: var(--color-accent-hover);
  color: #ffffff;
  transform: translateY(-1px);
  box-shadow: 0 12px 28px -4px rgba(37, 99, 235, 0.4);
}

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

.btn-secondary:hover {
  background-color: var(--color-primary-hover);
  color: #ffffff;
  transform: translateY(-1px);
}

.btn-outline {
  background-color: transparent;
  border-color: var(--color-border-strong);
  color: var(--color-text-main);
}

.btn-outline:hover {
  background-color: var(--color-bg-subtle);
  border-color: var(--color-primary);
}

.btn-lg {
  padding: 1.125rem 2.25rem;
  font-size: 1.05rem;
  border-radius: var(--radius-full);
}

.btn-sm {
  padding: 0.5rem 1rem;
  font-size: 0.875rem;
  border-radius: var(--radius-full);
}

.btn-block {
  width: 100%;
}

.badge {
  display: inline-flex;
  align-items: center;
  gap: 0.375rem;
  padding: 0.375rem 0.875rem;
  border-radius: var(--radius-full);
  font-size: 0.75rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.badge-accent {
  background-color: var(--color-accent-light);
  color: var(--color-accent);
}

.badge-sky {
  background-color: var(--color-sky-light);
  color: var(--color-sky);
}

.badge-subtle {
  background-color: var(--color-bg-subtle);
  color: var(--color-text-muted);
}

/* --------------------------------------------------------------------------
   5. HERO SECTION
   -------------------------------------------------------------------------- */
.hero-section {
  position: relative;
  padding: 4.5rem 0 5.5rem 0;
  background: linear-gradient(180deg, #F8FAFC 0%, #F1F5F9 100%);
  border-bottom: 1px solid var(--color-border);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 3.5rem;
  align-items: center;
}

@media (min-width: 992px) {
  .hero-grid {
    grid-template-columns: 1.15fr 0.85fr;
  }
}

.hero-content {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}

.hero-eyebrow {
  margin-bottom: 1.25rem;
}

.hero-title {
  margin-bottom: 1.25rem;
  color: var(--color-primary);
}

.hero-title span.text-gradient {
  color: var(--color-accent);
}

.hero-subtitle {
  font-size: 1.2rem;
  color: var(--color-text-muted);
  margin-bottom: 2rem;
  max-width: 600px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-bottom: 2.5rem;
  width: 100%;
}

.hero-bullets {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 0.875rem;
  width: 100%;
  padding-top: 1.5rem;
  border-top: 1px solid var(--color-border);
}

.hero-bullet-item {
  display: flex;
  align-items: center;
  gap: 0.625rem;
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--color-text-main);
}

.bullet-icon {
  width: 22px;
  height: 22px;
  border-radius: var(--radius-full);
  background-color: var(--color-success-bg);
  color: var(--color-success);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

/* Hero Application Form Card */
.hero-card {
  background-color: var(--color-bg-surface);
  border: 1px solid rgba(255, 255, 255, 0.8);
  border-radius: var(--radius-xl);
  padding: 2.25rem;
  box-shadow: var(--shadow-lg);
}

.hero-card-header {
  text-align: left;
  margin-bottom: 1.5rem;
}

.hero-card-title {
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--color-primary);
}

.hero-card-sub {
  font-size: 0.875rem;
  color: var(--color-text-subtle);
}

/* Preset Amount Selector Grid */
.amount-preset-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.5rem;
  margin-bottom: 1.25rem;
}

.preset-btn {
  background-color: var(--color-bg-subtle);
  border: 2px solid var(--color-bg-subtle);
  border-radius: var(--radius-md);
  padding: 0.625rem 0.25rem;
  font-size: 0.9375rem;
  font-weight: 800;
  color: var(--color-text-main);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.preset-btn:hover {
  border-color: var(--color-accent);
}

.preset-btn.is-selected {
  background-color: var(--color-accent-light);
  border-color: var(--color-accent);
  color: var(--color-accent);
}

/* --------------------------------------------------------------------------
   6. TRUST STRIP
   -------------------------------------------------------------------------- */
.trust-strip {
  background-color: var(--color-primary);
  color: #ffffff;
  padding: 1.75rem 0;
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
}

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

.trust-item {
  display: flex;
  align-items: center;
  gap: 0.875rem;
}

.trust-item-icon {
  width: 42px;
  height: 42px;
  border-radius: var(--radius-md);
  background-color: rgba(255, 255, 255, 0.1);
  color: var(--color-accent-light);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.trust-item-title {
  font-size: 0.95rem;
  font-weight: 700;
  color: #ffffff;
}

.trust-item-desc {
  font-size: 0.8125rem;
  color: rgba(255, 255, 255, 0.7);
}

/* --------------------------------------------------------------------------
   7. SECTIONS & CARDS
   -------------------------------------------------------------------------- */
.section-padding {
  padding: 5rem 0;
}

.bg-surface {
  background-color: var(--color-bg-surface);
}

.bg-subtle {
  background-color: var(--color-bg-subtle);
}

.section-header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 3.5rem auto;
}

.section-title {
  margin-bottom: 1rem;
  color: var(--color-primary);
}

.section-subtitle {
  font-size: 1.15rem;
  color: var(--color-text-muted);
}

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

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

.card-grid-3 {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
}

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

@media (min-width: 1024px) {
  .card-grid-3 {
    grid-template-columns: repeat(3, 1fr);
  }
}

.card-grid-4 {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}

@media (min-width: 640px) {
  .card-grid-4 {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .card-grid-4 {
    grid-template-columns: repeat(4, 1fr);
  }
}

.card {
  background-color: var(--color-bg-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: 2.25rem;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-fast), box-shadow var(--transition-fast);
  display: flex;
  flex-direction: column;
}

.card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
  border-color: var(--color-border-strong);
}

.card-icon {
  width: 50px;
  height: 50px;
  border-radius: var(--radius-md);
  background-color: var(--color-accent-light);
  color: var(--color-accent);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
}

.card-title {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--color-primary);
  margin-bottom: 0.75rem;
}

.card-desc {
  font-size: 0.98rem;
  color: var(--color-text-muted);
  flex-grow: 1;
}

/* --------------------------------------------------------------------------
   8. HOW IT WORKS 4-STEP TIMELINE
   -------------------------------------------------------------------------- */
.timeline-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
}

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

@media (min-width: 1024px) {
  .timeline-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.step-card {
  background-color: var(--color-bg-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: 2rem 1.5rem;
  box-shadow: var(--shadow-sm);
}

.step-number {
  font-size: 0.75rem;
  font-weight: 800;
  color: var(--color-accent);
  background-color: var(--color-accent-light);
  display: inline-block;
  padding: 0.25rem 0.75rem;
  border-radius: var(--radius-full);
  margin-bottom: 1rem;
  letter-spacing: 0.05em;
}

.step-title {
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--color-primary);
  margin-bottom: 0.75rem;
}

.step-list {
  list-style: none;
  margin-top: 0.75rem;
}

.step-list li {
  font-size: 0.875rem;
  color: var(--color-text-muted);
  padding-left: 1.25rem;
  position: relative;
  margin-bottom: 0.375rem;
}

.step-list li::before {
  content: '•';
  color: var(--color-accent);
  position: absolute;
  left: 0.25rem;
  font-weight: bold;
}

/* --------------------------------------------------------------------------
   9. LOAN CALCULATOR WIDGET
   -------------------------------------------------------------------------- */
.calculator-card {
  background-color: var(--color-bg-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: 2.5rem;
  box-shadow: var(--shadow-lg);
  display: grid;
  grid-template-columns: 1fr;
  gap: 3rem;
}

@media (min-width: 992px) {
  .calculator-card {
    grid-template-columns: 1.2fr 0.8fr;
  }
}

.calc-group {
  margin-bottom: 1.75rem;
}

.calc-label-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 0.625rem;
}

.calc-label {
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--color-primary);
}

.calc-value-badge {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--color-accent);
  background-color: var(--color-accent-light);
  padding: 0.25rem 0.75rem;
  border-radius: var(--radius-md);
}

/* Range Slider */
input[type="range"] {
  width: 100%;
  height: 8px;
  background: var(--color-bg-subtle);
  border-radius: var(--radius-full);
  outline: none;
  appearance: none;
  -webkit-appearance: none;
  cursor: pointer;
}

input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 24px;
  height: 24px;
  border-radius: var(--radius-full);
  background: var(--color-accent);
  border: 3px solid #ffffff;
  box-shadow: 0 2px 6px rgba(37, 99, 235, 0.3);
  cursor: pointer;
}

.calc-results-panel {
  background: linear-gradient(145deg, var(--color-primary) 0%, #1E293B 100%);
  color: #ffffff;
  border-radius: var(--radius-xl);
  padding: 2.25rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-shadow: var(--shadow-md);
}

.calc-results-title {
  font-size: 0.875rem;
  font-weight: 700;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 1.5rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.calc-big-value {
  font-size: 2.85rem;
  font-weight: 800;
  color: #ffffff;
  line-height: 1;
  margin-bottom: 0.5rem;
}

.calc-big-label {
  font-size: 0.875rem;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 2rem;
}

.calc-breakdown-list {
  border-top: 1px solid rgba(255, 255, 255, 0.15);
  padding-top: 1.25rem;
  margin-bottom: 2rem;
}

.calc-breakdown-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.9375rem;
  color: rgba(255, 255, 255, 0.8);
  margin-bottom: 0.75rem;
}

.calc-breakdown-value {
  font-weight: 700;
  color: #ffffff;
}

/* --------------------------------------------------------------------------
   10. ACCORDION (FAQ)
   -------------------------------------------------------------------------- */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  max-width: 900px;
  margin: 0 auto;
}

.faq-item {
  background-color: var(--color-bg-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: border-color var(--transition-fast);
}

.faq-item.is-open {
  border-color: var(--color-accent);
}

.faq-button {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1.25rem 1.5rem;
  background: transparent;
  border: none;
  text-align: left;
  font-family: var(--font-family);
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--color-primary);
  cursor: pointer;
}

.faq-button:hover {
  background-color: var(--color-bg-subtle);
}

.faq-icon {
  width: 24px;
  height: 24px;
  border-radius: var(--radius-full);
  background-color: var(--color-bg-subtle);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: transform var(--transition-normal);
}

.faq-item.is-open .faq-icon {
  transform: rotate(180deg);
  background-color: var(--color-accent-light);
  color: var(--color-accent);
}

.faq-panel {
  padding: 0 1.5rem 1.5rem 1.5rem;
  display: none;
}

.faq-item.is-open .faq-panel {
  display: block;
}

/* --------------------------------------------------------------------------
   11. FORMS & INPUTS
   -------------------------------------------------------------------------- */
.form-group {
  margin-bottom: 1.5rem;
  text-align: left;
}

.form-label {
  display: block;
  font-weight: 700;
  font-size: 0.8125rem;
  color: var(--color-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 0.5rem;
}

.form-label .required {
  color: var(--color-error);
  margin-left: 0.2rem;
}

.form-control {
  width: 100%;
  padding: 0.875rem 1rem;
  font-family: var(--font-family);
  font-size: 0.95rem;
  color: var(--color-text-main);
  background-color: var(--color-bg-subtle);
  border: 2px solid var(--color-bg-subtle);
  border-radius: var(--radius-md);
  transition: all var(--transition-fast);
}

.form-control:focus {
  background-color: #ffffff;
  border-color: var(--color-accent);
  box-shadow: var(--focus-ring);
  outline: none;
}

.form-select {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='none' viewBox='0 0 24 24' stroke='%23475569'%3E%3Cpath stroke-linecap='round' stroke-linejoin='round' stroke-width='2' d='M19 9l-7 7-7-7'%3E%3C/path%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
  background-size: 1.25rem;
  padding-right: 2.5rem;
}

.form-checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 0.625rem;
  font-size: 0.875rem;
  color: var(--color-text-muted);
  cursor: pointer;
}

.form-checkbox-label input[type="checkbox"] {
  width: 18px;
  height: 18px;
  margin-top: 0.15rem;
  accent-color: var(--color-accent);
}

.demo-disclaimer-box {
  background-color: var(--color-warning-bg);
  border: 1px solid #FCD34D;
  border-radius: var(--radius-md);
  padding: 0.875rem 1rem;
  font-size: 0.875rem;
  color: var(--color-warning);
  margin-bottom: 1.5rem;
  display: flex;
  align-items: flex-start;
  gap: 0.625rem;
}

/* --------------------------------------------------------------------------
   12. FINANCIAL DISCLOSURE
   -------------------------------------------------------------------------- */
.disclosure-section {
  background-color: var(--color-bg-subtle);
  border-top: 1px solid var(--color-border);
  padding: 3rem 0;
  font-size: 0.875rem;
  color: var(--color-text-subtle);
}

.disclosure-box {
  background-color: var(--color-bg-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
}

.disclosure-title {
  font-size: 0.875rem;
  font-weight: 800;
  text-transform: uppercase;
  color: var(--color-primary);
  margin-bottom: 0.75rem;
  letter-spacing: 0.05em;
}

/* --------------------------------------------------------------------------
   13. FOOTER
   -------------------------------------------------------------------------- */
.site-footer {
  background-color: #ffffff;
  border-top: 1px solid var(--color-border);
  color: var(--color-text-muted);
  padding: 4rem 0 2rem 0;
  margin-top: auto;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2.5rem;
  margin-bottom: 3.5rem;
}

@media (min-width: 640px) {
  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .footer-grid {
    grid-template-columns: 1.5fr repeat(3, 1fr);
  }
}

.footer-brand-title {
  color: var(--color-primary);
  font-size: 1.3rem;
  font-weight: 800;
  margin-bottom: 1rem;
}

.footer-brand-desc {
  font-size: 0.9rem;
  color: var(--color-text-muted);
  line-height: 1.6;
}

.footer-column-title {
  color: var(--color-primary);
  font-size: 0.95rem;
  font-weight: 800;
  margin-bottom: 1.25rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

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

.footer-links li {
  margin-bottom: 0.625rem;
}

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

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

.footer-bottom {
  border-top: 1px solid var(--color-border);
  padding-top: 2rem;
  display: flex;
  flex-direction: column;
  gap: 1rem;
  align-items: center;
  text-align: center;
  font-size: 0.85rem;
  color: var(--color-text-subtle);
}

@media (min-width: 768px) {
  .footer-bottom {
    flex-direction: row;
    justify-content: space-between;
    text-align: left;
  }
}

/* --------------------------------------------------------------------------
   14. ACCESSIBILITY & REDUCED MOTION
   -------------------------------------------------------------------------- */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border-width: 0;
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}