/* ============================================================
   BURGAN BANK — PRODUCT CALCULATORS
   Design System — Tokens, Typography, Components
   Extracted from Figma: zgLa7wE4HuVgnjxzBpQPi9
   Canvas: 1440px
   ============================================================ */

/* ── RESET ─────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 16px; scroll-behavior: smooth; }
body { font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif; background: #FFFFFF; color: #181B20; -webkit-font-smoothing: antialiased; }
img, svg { display: block; max-width: 100%; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
input, select, textarea { font-family: inherit; }
a { text-decoration: none; color: inherit; }
ul, ol { list-style: none; }

/* ── DESIGN TOKENS ──────────────────────────────────────────── */
:root {
  /* Brand colours */
  --clr-primary:        #003274;   /* section headings, page titles */
  --clr-primary-dark:   #0C406B;   /* hero banner background */
  --clr-primary-mid:    #005D9E;   /* active tab */
  --clr-primary-light:  #E7F2F9;   /* card / section background */
  --clr-primary-pale:   #F0F6FD;   /* nav item background */
  --clr-primary-paler:  #EFF7FB;   /* tab bar background */
  --clr-primary-palest: #F2F8FC;   /* lightest tint */
  --clr-accent:         #ED7E39;   /* CTA button orange */
  --clr-accent-hover:   #D46A28;

  /* Surface colours */
  --clr-surface:        #F5F7F9;   /* calculator form area */
  --clr-surface-card:   #E7F2F9;   /* outer card */
  --clr-white:          #FFFFFF;
  --clr-divider:        #DCE6EF;
  --clr-info-bg:        #EFF7FB;

  /* Text colours */
  --clr-text-dark:      #181B20;   /* body text */
  --clr-text-muted:     #6D8195;   /* inactive tabs, labels */
  --clr-text-primary:   #003274;   /* headings */
  --clr-text-white:     #FFFFFF;

  /* Status / feedback */
  --clr-error:          #D32F2F;
  --clr-error-bg:       #FDECEA;
  --clr-success:        #2E7D32;
  --clr-success-bg:     #EDF7ED;
  --clr-warning:        #E65100;
  --clr-warning-bg:     #FFF3E0;
  --clr-disabled-bg:    #DCE6EF;
  --clr-disabled-text:  #6D8195;

  /* Input states */
  --clr-input-border:       #B0BEC5;
  --clr-input-border-focus: #005D9E;
  --clr-input-border-error: #D32F2F;
  --clr-input-bg:           #FFFFFF;
  --clr-input-bg-filled:    #F5F7F9;

  /* Typography */
  --fs-hero-title:   2.5rem;    /* 40px */
  --fs-hero-sub:     1rem;      /* 16px */
  --fs-section:      2rem;      /* 32px */
  --fs-card-title:   1.5rem;    /* 24px */
  --fs-body-lg:      1.125rem;  /* 18px */
  --fs-body:         1rem;      /* 16px */
  --fs-body-sm:      0.875rem;  /* 14px */
  --fs-caption:      0.8125rem; /* 13px */
  --fs-legal:        0.78125rem;/* 12.5px */

  --fw-regular:   400;
  --fw-medium:    500;
  --fw-semibold:  600;
  --fw-bold:      700;

  --lh-tight:   1.2;
  --lh-normal:  1.5;
  --lh-relaxed: 1.6;

  /* Spacing */
  --sp-2:   0.125rem;  /* 2px  */
  --sp-4:   0.25rem;   /* 4px  */
  --sp-8:   0.5rem;    /* 8px  */
  --sp-10:  0.625rem;  /* 10px */
  --sp-12:  0.75rem;   /* 12px */
  --sp-16:  1rem;      /* 16px */
  --sp-20:  1.25rem;   /* 20px */
  --sp-24:  1.5rem;    /* 24px */
  --sp-32:  2rem;      /* 32px */
  --sp-36:  2.25rem;   /* 36px */
  --sp-40:  2.5rem;    /* 40px */
  --sp-48:  3rem;      /* 48px */
  --sp-60:  3.75rem;   /* 60px */
  --sp-64:  4rem;      /* 64px */

  /* Border radius */
  --radius-sm:   4px;
  --radius-md:   8px;
  --radius-lg:   12px;
  --radius-xl:   16px;
  --radius-2xl:  24px;
  --radius-full: 9999px;

  /* Shadows */
  --shadow-sm:  0 1px 3px rgba(0,0,0,.08), 0 1px 2px rgba(0,0,0,.05);
  --shadow-md:  0 4px 12px rgba(0,0,0,.08), 0 2px 4px rgba(0,0,0,.04);
  --shadow-lg:  0 8px 24px rgba(0,0,0,.10), 0 4px 8px rgba(0,0,0,.06);
  --shadow-dropdown: 0 8px 32px rgba(0,50,116,.12);

  /* Transitions */
  --transition-fast:   120ms ease;
  --transition-normal: 220ms ease;
  --transition-slow:   350ms ease;

  /* Layout */
  --page-max:     1440px;
  --content-max:  1320px;
  --page-pad-x:   24px;
  --content-pad:  36px;
  --nav-height:   68px;
  --subnav-height:50px;
}

/* ── LAYOUT ─────────────────────────────────────────────────── */
.page-wrapper {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

.container {
  width: 100%;
  max-width: var(--content-max);
  margin: 0 auto;
  padding: 0 var(--page-pad-x);
}

/* ── NAVBAR ─────────────────────────────────────────────────── */
.navbar {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--clr-white);
  height: var(--nav-height);
  border-bottom: 1px solid var(--clr-divider);
  box-shadow: var(--shadow-sm);
}

.navbar__inner {
  max-width: var(--page-max);
  margin: 0 auto;
  padding: 0 48px;
  height: 100%;
  display: flex;
  align-items: center;
  gap: 0;
  justify-content: space-between;
}

.navbar__brand {
  display: flex;
  align-items: center;
  gap: var(--sp-20);
  flex-shrink: 0;
}

.navbar__logo {
  height: 37px;
  width: auto;
}

.navbar__nav {
  display: flex;
  align-items: center;
  gap: 0;
}

.navbar__nav-item {
  padding: var(--sp-12) var(--sp-16);
  font-size: var(--fs-body);
  font-weight: var(--fw-medium);
  color: var(--clr-text-dark);
  border-radius: var(--radius-md);
  background: var(--clr-primary-pale);
  transition: background var(--transition-fast), color var(--transition-fast);
  white-space: nowrap;
  display: flex;
  align-items: center;
  gap: var(--sp-8);
}

.navbar__nav-item:hover {
  background: var(--clr-primary-light);
  color: var(--clr-primary);
}

.navbar__actions {
  display: flex;
  align-items: center;
  gap: var(--sp-16);
  flex-shrink: 0;
}

.navbar__search-btn {
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--clr-primary-pale);
  border-radius: var(--radius-md);
  color: var(--clr-text-dark);
  transition: background var(--transition-fast);
}

.navbar__search-btn:hover { background: var(--clr-primary-light); }

/* ── SUBNAV ─────────────────────────────────────────────────── */
.subnav {
  background: var(--clr-white);
  border-bottom: 1px solid var(--clr-divider);
  padding: var(--sp-8) 0;
}

.subnav__inner {
  max-width: var(--page-max);
  margin: 0 auto;
  padding: var(--sp-4) 48px;
  display: flex;
  align-items: center;
  gap: 0;
}

.subnav__item {
  padding: var(--sp-12) var(--sp-16);
  font-size: var(--fs-body);
  font-weight: var(--fw-medium);
  color: var(--clr-text-dark);
  border-radius: var(--radius-md);
  background: var(--clr-primary-pale);
  white-space: nowrap;
  display: flex;
  align-items: center;
  gap: var(--sp-8);
  transition: background var(--transition-fast);
}

.subnav__item:hover { background: var(--clr-primary-light); }

/* ── BUTTONS ─────────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--sp-8);
  padding: 0 var(--sp-24);
  height: 44px;
  border-radius: var(--radius-md);
  font-size: var(--fs-body);
  font-weight: var(--fw-medium);
  line-height: 1;
  transition: background var(--transition-fast), opacity var(--transition-fast), box-shadow var(--transition-fast);
  white-space: nowrap;
  cursor: pointer;
}

.btn--primary {
  background: var(--clr-accent);
  color: var(--clr-white);
}
.btn--primary:hover:not(:disabled) {
  background: var(--clr-accent-hover);
  box-shadow: var(--shadow-md);
}

.btn--secondary {
  background: transparent;
  color: var(--clr-accent);
  border: 1.5px solid var(--clr-accent);
}
.btn--secondary:hover:not(:disabled) { background: #FFF3EB; }

.btn--brand {
  background: var(--clr-primary-dark);
  color: var(--clr-white);
}
.btn--brand:hover:not(:disabled) { background: var(--clr-primary); }

.btn--calculate {
  width: 100%;
  height: 50px;
  background: var(--clr-primary);
  color: var(--clr-white);
  border-radius: var(--radius-lg);
  font-size: var(--fs-body);
  font-weight: var(--fw-semibold);
}
.btn--calculate:hover:not(:disabled) { background: var(--clr-primary-dark); box-shadow: var(--shadow-md); }

.btn:disabled,
.btn[disabled] {
  background: var(--clr-disabled-bg);
  color: var(--clr-disabled-text);
  cursor: not-allowed;
  box-shadow: none;
}

.btn--sm { height: 36px; padding: 0 var(--sp-16); font-size: var(--fs-body-sm); }
.btn--lg { height: 52px; padding: 0 var(--sp-32); font-size: var(--fs-body-lg); }

/* ── HERO BANNER ─────────────────────────────────────────────── */
.hero-banner {
  background: var(--clr-primary-dark);
  border-radius: var(--radius-lg);
  padding: var(--sp-16);
  min-height: 252px;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  position: relative;
  overflow: hidden;
}

.hero-banner__bg {
  position: absolute;
  inset: 0;
  object-fit: cover;
  width: 100%;
  height: 100%;
  opacity: 0.25;
  pointer-events: none;
}

.hero-banner__content { position: relative; z-index: 1; }

.hero-banner__title {
  font-size: var(--fs-hero-title);
  font-weight: var(--fw-bold);
  color: var(--clr-white);
  line-height: var(--lh-tight);
  margin-bottom: var(--sp-8);
}

.hero-banner__subtitle {
  font-size: var(--fs-body);
  font-weight: var(--fw-regular);
  color: var(--clr-white);
  opacity: 0.9;
}

/* ── SECTION CARD ────────────────────────────────────────────── */
.section-card {
  background: var(--clr-surface-card);
  border-radius: var(--radius-xl);
  padding: var(--sp-36);
  margin: 0 var(--page-pad-x) var(--sp-64);
  display: flex;
  flex-direction: column;
  gap: var(--sp-48);
}

.section-card__title {
  font-size: var(--fs-section);
  font-weight: var(--fw-bold);
  color: var(--clr-primary);
  line-height: var(--lh-tight);
}

/* ── CALCULATOR TABS (top-level: Loan / Credit Card / Time Deposit) ── */
.calc-tabs {
  display: flex;
  align-items: center;
  gap: var(--sp-8);
  background: var(--clr-primary-paler);
  border-radius: var(--radius-lg);
  padding: var(--sp-8);
  width: fit-content;
}

.calc-tab {
  padding: var(--sp-16);
  border-radius: var(--radius-md);
  font-size: var(--fs-body);
  font-weight: var(--fw-medium);
  color: var(--clr-text-muted);
  background: var(--clr-primary-paler);
  cursor: pointer;
  transition: background var(--transition-fast), color var(--transition-fast);
  white-space: nowrap;
  border: none;
}

.calc-tab:hover:not(.calc-tab--active) {
  background: var(--clr-primary-light);
  color: var(--clr-primary);
}

.calc-tab--active {
  background: var(--clr-primary-mid);
  color: var(--clr-white);
}

/* ── STEP ACCORDION ──────────────────────────────────────────── */
.step-panel {
  background: var(--clr-surface);
  border-radius: var(--radius-xl);
  overflow: hidden;
  transition: box-shadow var(--transition-normal);
}

.step-panel--active { box-shadow: var(--shadow-md); }

.step-header {
  display: flex;
  align-items: center;
  gap: var(--sp-16);
  padding: var(--sp-20) var(--sp-24);
  cursor: pointer;
  user-select: none;
  background: var(--clr-surface);
  transition: background var(--transition-fast);
}

.step-header:hover { background: #EAECEF; }

.step-badge {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-full);
  background: var(--clr-primary);
  color: var(--clr-white);
  font-size: var(--fs-body-lg);
  font-weight: var(--fw-bold);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.step-panel--locked .step-badge {
  background: var(--clr-divider);
  color: var(--clr-text-muted);
}

.step-header__text { flex: 1; }

.step-header__title {
  font-size: var(--fs-body-lg);
  font-weight: var(--fw-semibold);
  color: var(--clr-text-dark);
  margin-bottom: var(--sp-2);
}

.step-panel--locked .step-header__title { color: var(--clr-text-muted); }

.step-header__subtitle {
  font-size: var(--fs-body-sm);
  color: var(--clr-text-muted);
}

.step-header__chevron {
  width: 20px;
  height: 20px;
  color: var(--clr-text-muted);
  transition: transform var(--transition-normal);
  flex-shrink: 0;
}

.step-panel--open .step-header__chevron { transform: rotate(180deg); }

.step-body {
  display: none;
  padding: 0 var(--sp-24) var(--sp-32);
  flex-direction: column;
  gap: var(--sp-24);
  border-top: 1px solid var(--clr-divider);
}

.step-panel--open .step-body { display: flex; }

/* ── FORM COMPONENTS ─────────────────────────────────────────── */
.form-group {
  display: flex;
  flex-direction: column;
  gap: var(--sp-8);
}

.form-label {
  font-size: var(--fs-body-sm);
  font-weight: var(--fw-medium);
  color: var(--clr-text-dark);
}

.form-label--required::after {
  content: ' *';
  color: var(--clr-error);
}

.form-helper {
  font-size: var(--fs-caption);
  color: var(--clr-text-muted);
  margin-top: var(--sp-4);
}

.form-helper--error {
  color: var(--clr-error);
}

/* Custom Select / Dropdown */
.select-wrapper {
  position: relative;
}

.select-field {
  width: 100%;
  height: 52px;
  padding: 0 var(--sp-16);
  padding-right: 44px;
  background: var(--clr-white);
  border: 1.5px solid var(--clr-input-border);
  border-radius: var(--radius-lg);
  font-size: var(--fs-body);
  color: var(--clr-text-dark);
  appearance: none;
  -webkit-appearance: none;
  cursor: pointer;
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}

.select-field:focus {
  outline: none;
  border-color: var(--clr-input-border-focus);
  box-shadow: 0 0 0 3px rgba(0,93,158,.12);
}

.select-field--filled { background: var(--clr-input-bg-filled); }

.select-field:invalid,
.select-field.has-error { border-color: var(--clr-input-border-error); }

.select-wrapper::after {
  content: '';
  position: absolute;
  right: 16px;
  top: 50%;
  transform: translateY(-50%);
  width: 20px;
  height: 20px;
  background-image: url("data:image/svg+xml,%3Csvg width='20' height='20' viewBox='0 0 20 20' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M5 7.5L10 12.5L15 7.5' stroke='%236D8195' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-size: contain;
  pointer-events: none;
}

/* Number Input with currency prefix */
.input-currency {
  position: relative;
  display: flex;
  align-items: center;
}

.input-currency__prefix {
  position: absolute;
  left: 16px;
  display: flex;
  align-items: center;
  gap: var(--sp-8);
  font-size: var(--fs-body-sm);
  color: var(--clr-text-muted);
  pointer-events: none;
  white-space: nowrap;
  z-index: 1;
}

.input-currency__flag {
  width: 20px;
  height: 14px;
  border-radius: 2px;
  object-fit: cover;
}

.input-currency__field {
  width: 100%;
  height: 52px;
  padding: 0 var(--sp-16);
  padding-left: 80px;
  background: var(--clr-white);
  border: 1.5px solid var(--clr-input-border);
  border-radius: var(--radius-lg);
  font-size: var(--fs-body);
  font-weight: var(--fw-medium);
  color: var(--clr-text-dark);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}

.input-currency__field:focus {
  outline: none;
  border-color: var(--clr-input-border-focus);
  box-shadow: 0 0 0 3px rgba(0,93,158,.12);
}

.input-currency__field--filled { background: var(--clr-input-bg-filled); }
.input-currency__field.has-error { border-color: var(--clr-input-border-error); }

/* Toggle Switch */
.toggle-row {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  padding: var(--sp-16) var(--sp-20);
  background: var(--clr-white);
  border-radius: var(--radius-lg);
  border: 1.5px solid var(--clr-divider);
  gap: var(--sp-16);
  transition: border-color var(--transition-fast);
}

.toggle-row--active { border-color: var(--clr-primary-mid); }

.toggle-row__text { flex: 1; }

.toggle-row__title {
  font-size: var(--fs-body);
  font-weight: var(--fw-medium);
  color: var(--clr-text-dark);
  margin-bottom: var(--sp-2);
}

.toggle-row__subtitle {
  font-size: var(--fs-body-sm);
  color: var(--clr-text-muted);
}

.toggle {
  position: relative;
  display: inline-flex;
  align-items: center;
  flex-shrink: 0;
}

.toggle__input {
  position: absolute;
  opacity: 0;
  width: 0;
  height: 0;
}

.toggle__track {
  width: 44px;
  height: 24px;
  background: var(--clr-divider);
  border-radius: var(--radius-full);
  position: relative;
  transition: background var(--transition-normal);
  cursor: pointer;
}

.toggle__input:checked + .toggle__track { background: var(--clr-primary-mid); }

.toggle__thumb {
  position: absolute;
  top: 2px;
  left: 2px;
  width: 20px;
  height: 20px;
  background: var(--clr-white);
  border-radius: var(--radius-full);
  box-shadow: 0 1px 3px rgba(0,0,0,.2);
  transition: transform var(--transition-normal);
  pointer-events: none;
}

.toggle__input:checked ~ .toggle__thumb,
.toggle__input:checked + .toggle__track .toggle__thumb {
  transform: translateX(20px);
}

.toggle__track .toggle__thumb { display: block; }

/* Toggle expanded sub-field */
.toggle-expand {
  overflow: hidden;
  max-height: 0;
  transition: max-height var(--transition-slow);
}

.toggle-expand--open { max-height: 200px; }

/* ── DROPDOWN TRAY / MODAL ───────────────────────────────────── */
.tray-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,.4);
  z-index: 200;
  display: flex;
  align-items: flex-end;
  justify-content: center;
  opacity: 0;
  pointer-events: none;
  transition: opacity var(--transition-normal);
}

.tray-overlay--open {
  opacity: 1;
  pointer-events: all;
}

.tray {
  background: var(--clr-white);
  border-radius: var(--radius-2xl) var(--radius-2xl) 0 0;
  width: 100%;
  max-width: 560px;
  padding: var(--sp-8) 0 var(--sp-32);
  transform: translateY(100%);
  transition: transform var(--transition-slow);
  max-height: 80vh;
  overflow-y: auto;
}

.tray-overlay--open .tray { transform: translateY(0); }

.tray__handle {
  width: 36px;
  height: 4px;
  background: var(--clr-divider);
  border-radius: var(--radius-full);
  margin: var(--sp-8) auto var(--sp-16);
}

.tray__title {
  font-size: var(--fs-body-lg);
  font-weight: var(--fw-semibold);
  color: var(--clr-text-dark);
  padding: 0 var(--sp-24) var(--sp-16);
  border-bottom: 1px solid var(--clr-divider);
  margin-bottom: var(--sp-8);
}

.tray-option {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--sp-12) var(--sp-24);
  font-size: var(--fs-body);
  color: var(--clr-text-dark);
  cursor: pointer;
  transition: background var(--transition-fast);
  border: none;
  background: none;
  width: 100%;
  text-align: left;
  gap: var(--sp-16);
}

.tray-option:hover { background: var(--clr-primary-paler); }

.tray-option--selected {
  color: var(--clr-primary-mid);
  font-weight: var(--fw-medium);
}

.tray-option__check {
  width: 20px;
  height: 20px;
  color: var(--clr-primary-mid);
  opacity: 0;
  flex-shrink: 0;
}

.tray-option--selected .tray-option__check { opacity: 1; }

/* ── RESULT CARDS ────────────────────────────────────────────── */
.result-card {
  background: var(--clr-white);
  border-radius: var(--radius-xl);
  padding: var(--sp-24);
  border: 1.5px solid var(--clr-divider);
  display: flex;
  flex-direction: column;
  gap: var(--sp-16);
  animation: slideDown var(--transition-slow) ease both;
}

.result-card--primary {
  background: var(--clr-primary-paler);
  border-color: var(--clr-primary-light);
}

.result-card__label {
  font-size: var(--fs-body-sm);
  color: var(--clr-text-muted);
  font-weight: var(--fw-medium);
}

.result-card__amount {
  font-size: var(--fs-section);
  font-weight: var(--fw-bold);
  color: var(--clr-primary);
  line-height: 1.1;
}

.result-card__amount span {
  font-size: var(--fs-body);
  font-weight: var(--fw-medium);
  color: var(--clr-text-muted);
  margin-left: var(--sp-4);
}

.result-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--sp-16);
  padding: var(--sp-12) 0;
  border-bottom: 1px solid var(--clr-divider);
}

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

.result-row__label {
  font-size: var(--fs-body-sm);
  color: var(--clr-text-muted);
  display: flex;
  align-items: center;
  gap: var(--sp-8);
}

.result-row__value {
  font-size: var(--fs-body);
  font-weight: var(--fw-semibold);
  color: var(--clr-text-dark);
}

/* Tooltip */
.tooltip-wrapper {
  position: relative;
  display: inline-flex;
  align-items: center;
}

.tooltip-icon {
  width: 18px;
  height: 18px;
  color: var(--clr-text-muted);
  cursor: pointer;
  flex-shrink: 0;
}

.tooltip-box {
  position: absolute;
  bottom: calc(100% + 8px);
  left: 50%;
  transform: translateX(-50%);
  background: var(--clr-primary-dark);
  color: var(--clr-white);
  font-size: var(--fs-body-sm);
  border-radius: var(--radius-md);
  padding: var(--sp-8) var(--sp-12);
  white-space: nowrap;
  max-width: 280px;
  white-space: normal;
  text-align: center;
  z-index: 10;
  box-shadow: var(--shadow-lg);
  opacity: 0;
  pointer-events: none;
  transition: opacity var(--transition-fast);
}

.tooltip-wrapper:hover .tooltip-box,
.tooltip-wrapper.tooltip--open .tooltip-box { opacity: 1; }

/* ── ALERT / DBR ERROR ───────────────────────────────────────── */
.alert {
  display: flex;
  align-items: flex-start;
  gap: var(--sp-12);
  padding: var(--sp-16);
  border-radius: var(--radius-lg);
  font-size: var(--fs-body-sm);
}

.alert--error {
  background: var(--clr-error-bg);
  color: var(--clr-error);
  border: 1px solid rgba(211,47,47,.2);
}

.alert--warning {
  background: var(--clr-warning-bg);
  color: var(--clr-warning);
  border: 1px solid rgba(230,81,0,.2);
}

.alert--success {
  background: var(--clr-success-bg);
  color: var(--clr-success);
  border: 1px solid rgba(46,125,50,.2);
}

.alert__icon { width: 20px; height: 20px; flex-shrink: 0; margin-top: 1px; }
.alert__title { font-weight: var(--fw-semibold); margin-bottom: var(--sp-4); }

/* ── LOAN TYPE CARD ──────────────────────────────────────────── */
.loan-type-card {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--sp-16) var(--sp-20);
  background: var(--clr-white);
  border-radius: var(--radius-lg);
  border: 1.5px solid var(--clr-divider);
  cursor: pointer;
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
  text-decoration: none;
  gap: var(--sp-16);
}

.loan-type-card:hover {
  border-color: var(--clr-primary-mid);
  box-shadow: var(--shadow-sm);
}

.loan-type-card__icon {
  width: 44px;
  height: 44px;
  background: var(--clr-primary-paler);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.loan-type-card__text { flex: 1; }

.loan-type-card__title {
  font-size: var(--fs-body);
  font-weight: var(--fw-semibold);
  color: var(--clr-text-dark);
  margin-bottom: var(--sp-2);
}

.loan-type-card__desc {
  font-size: var(--fs-body-sm);
  color: var(--clr-text-muted);
}

.loan-type-card__chevron { color: var(--clr-text-muted); }

/* ── FOOTER ──────────────────────────────────────────────────── */
.site-footer {
  background: var(--clr-primary-dark);
  padding: var(--sp-60) 0 var(--sp-36);
  margin-top: auto;
}

.footer__inner {
  max-width: var(--content-max);
  margin: 0 auto;
  padding: 0 var(--page-pad-x);
  display: flex;
  flex-direction: column;
  gap: var(--sp-40);
}

.footer__top {
  display: flex;
  gap: var(--sp-36);
  align-items: flex-start;
}

.footer__logo {
  height: 42px;
  width: auto;
  flex-shrink: 0;
}

.footer__cols {
  display: grid;
  grid-template-columns: repeat(8, 1fr);
  gap: var(--sp-12);
  flex: 1;
}

.footer__col-title {
  font-size: var(--fs-body-sm);
  font-weight: var(--fw-semibold);
  color: var(--clr-white);
  margin-bottom: var(--sp-12);
}

.footer__col-link {
  display: block;
  font-size: var(--fs-body-sm);
  color: rgba(255,255,255,.7);
  margin-bottom: var(--sp-8);
  transition: color var(--transition-fast);
}

.footer__col-link:hover { color: var(--clr-white); }

.footer__divider {
  height: 1px;
  background: rgba(255,255,255,.15);
}

.footer__bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.footer__legal {
  display: flex;
  gap: var(--sp-24);
}

.footer__legal-link {
  font-size: var(--fs-legal);
  color: rgba(255,255,255,.7);
  transition: color var(--transition-fast);
}

.footer__legal-link:hover { color: var(--clr-white); }

.footer__copyright {
  font-size: var(--fs-legal);
  color: rgba(255,255,255,.7);
}

.footer__socials {
  display: flex;
  gap: var(--sp-12);
}

.footer__social-btn {
  width: 34px;
  height: 34px;
  border-radius: var(--radius-full);
  background: rgba(255,255,255,.15);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--clr-white);
  transition: background var(--transition-fast);
}

.footer__social-btn:hover { background: rgba(255,255,255,.25); }

/* ── UTILITY CLASSES ─────────────────────────────────────────── */
.hidden { display: none !important; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.text-center { text-align: center; }
.text-muted { color: var(--clr-text-muted); }
.text-error { color: var(--clr-error); }
.text-primary { color: var(--clr-primary); }
.mt-8  { margin-top: var(--sp-8); }
.mt-16 { margin-top: var(--sp-16); }
.mt-24 { margin-top: var(--sp-24); }
.gap-8  { gap: var(--sp-8); }
.gap-16 { gap: var(--sp-16); }
.gap-24 { gap: var(--sp-24); }
.w-full { width: 100%; }
.flex { display: flex; }
.flex-col { flex-direction: column; }
.items-center { align-items: center; }
.justify-between { justify-content: space-between; }

/* ── ANIMATIONS ──────────────────────────────────────────────── */
@keyframes slideDown {
  from { opacity: 0; transform: translateY(-8px); }
  to   { opacity: 1; transform: translateY(0); }
}

@keyframes fadeIn {
  from { opacity: 0; }
  to   { opacity: 1; }
}

/* ── RESPONSIVE ──────────────────────────────────────────────── */
@media (max-width: 1200px) {
  :root {
    --page-pad-x: 24px;
    --content-pad: 24px;
  }
  .footer__cols { grid-template-columns: repeat(4, 1fr); }
}

@media (max-width: 768px) {
  :root {
    --fs-hero-title: 1.75rem;
    --fs-section:    1.5rem;
    --page-pad-x:    16px;
  }
  .navbar__nav { display: none; }
  .footer__cols { grid-template-columns: repeat(2, 1fr); }
  .footer__top { flex-direction: column; }
  .footer__bottom { flex-direction: column; gap: var(--sp-16); text-align: center; }
  .footer__legal { flex-wrap: wrap; justify-content: center; }
  .calc-tabs { flex-wrap: wrap; }
}