/* ==========================================================================
   VäikelaenuKalkulaator.ee - Nordic Warm Functionalism Design System
   Inspired by Scandinavian Soft Living (Tibber, Lunar, Hedvig, early Klarna)
   & EKI "Selge keel" (Clear & Friendly Estonian UX)
   ========================================================================== */

:root {
  /* Nordic Warm Earth Palette */
  --color-canvas: #FAF8F5; /* Warm Oatmeal Canvas */
  --color-surface: #FFFFFF; /* Pure Warm White */
  --color-surface-subtle: #F4EFEB; /* Soft Sand / Stone */
  --color-surface-elevated: #FFFFFF;

  /* Nordic Forest Pine (Primary) */
  --color-primary: #1E3A2F; /* Deep Pine */
  --color-primary-hover: #152A22; /* Darker Pine */
  --color-primary-active: #0D1C16;
  --color-primary-light: #EDF4F0; /* Soft Sage Tint */
  --color-primary-border: #C6DCD0; /* Delicate Sage Border */
  
  /* Warm Amber / Terracotta (Warm Accent) */
  --color-accent: #C26139; /* Warm Terracotta */
  --color-accent-hover: #A84E29;
  --color-accent-light: #FDF6F0; /* Soft Peach Sand */
  --color-accent-border: #F3D4C4;

  /* Typography / Text Colors (Soft Umber & Charcoal - No harsh pure black) */
  --color-text-main: #1C1917; /* Warm Deep Charcoal (Stone 900) */
  --color-text-muted: #57534E; /* Warm Slate / Umber (Stone 600) */
  --color-text-subtle: #78716C; /* Warm Soft Stone (Stone 500) */
  --color-text-inverse: #FFFFFF;

  /* Borders & Dividers */
  --color-border: #E7E2DA; /* Natural Oat Border */
  --color-border-hover: #D5CEC2;
  --color-border-focus: #1E3A2F;

  /* Feedback Colors */
  --color-success: #2A6B4E;
  --color-success-light: #EBF5EE;
  --color-warning: #B45309;
  --color-info: #2B5A75;

  /* Soft Ambient Diffuse Shadows */
  --shadow-xs: 0 1px 3px rgba(28, 25, 23, 0.04);
  --shadow-sm: 0 2px 6px -1px rgba(28, 25, 23, 0.05), 0 1px 3px -1px rgba(28, 25, 23, 0.03);
  --shadow-md: 0 6px 16px -2px rgba(28, 25, 23, 0.06), 0 2px 6px -1px rgba(28, 25, 23, 0.03);
  --shadow-lg: 0 14px 28px -4px rgba(28, 25, 23, 0.08), 0 4px 10px -2px rgba(28, 25, 23, 0.03);
  --shadow-xl: 0 24px 40px -6px rgba(28, 25, 23, 0.09), 0 8px 18px -4px rgba(28, 25, 23, 0.04);

  /* Friendly Organic Radii */
  --radius-xs: 6px;
  --radius-sm: 10px;
  --radius-md: 14px;
  --radius-lg: 20px;
  --radius-xl: 28px;
  --radius-full: 9999px;

  /* Typography */
  --font-family: 'Plus Jakarta Sans', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-mono: ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, monospace;

  /* Layout */
  --container-max-width: 1160px;
  --container-narrow-width: 820px;
  --header-height: 76px;
  
  /* Transitions */
  --transition-fast: 150ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-normal: 250ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-smooth: 350ms cubic-bezier(0.16, 1, 0.3, 1);
}

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

html {
  font-size: 16px;
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
  text-rendering: optimizeLegibility;
  font-feature-settings: 'cv02', 'cv03', 'cv04', 'cv11';
}

body {
  font-family: var(--font-family);
  background-color: var(--color-canvas);
  color: var(--color-text-main);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
  min-height: 100vh;
}

:focus-visible {
  outline: 2px solid var(--color-primary);
  outline-offset: 2px;
}

img, svg {
  display: block;
  max-width: 100%;
  height: auto;
}

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

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

button, input, select, textarea {
  font: inherit;
}

/* Typography Hierarchy (Selge keel: soe ja selge rütm) */
h1, h2, h3, h4, h5, h6 {
  color: var(--color-text-main);
  font-weight: 700;
  line-height: 1.25;
  letter-spacing: -0.02em;
  text-wrap: balance;
}

h1 {
  font-size: clamp(2.1rem, 4vw + 1rem, 3.4rem);
  font-weight: 800;
  margin-block-end: 1.125rem;
}

h2 {
  font-size: clamp(1.65rem, 2.5vw + 0.8rem, 2.35rem);
  margin-block-end: 0.875rem;
}

h3 {
  font-size: 1.35rem;
  margin-block-end: 0.5rem;
}

p {
  color: var(--color-text-muted);
  margin-block-end: 1.25rem;
  text-wrap: pretty;
  font-size: 1.03125rem;
}

p.lead {
  font-size: 1.1875rem;
  line-height: 1.65;
  color: var(--color-text-muted);
}

/* Containers */
.container {
  width: 100%;
  max-width: var(--container-max-width);
  margin-inline: auto;
  padding-inline: 1.5rem;
}

.container-narrow {
  max-width: var(--container-narrow-width);
}

/* Header & Navigation */
.site-header {
  position: sticky;
  inset-block-start: 0;
  z-index: 100;
  height: var(--header-height);
  background-color: rgba(250, 248, 245, 0.92);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-block-end: 1px solid var(--color-border);
  transition: box-shadow var(--transition-fast), background-color var(--transition-fast);
}

.site-header.is-scrolled {
  box-shadow: var(--shadow-sm);
  background-color: rgba(255, 255, 255, 0.96);
}

.header-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
}

.logo {
  display: inline-flex;
  align-items: center;
  gap: 0.75rem;
  font-weight: 800;
  font-size: 1.25rem;
  color: var(--color-text-main);
  text-decoration: none;
  touch-action: manipulation;
}

.logo-img {
  height: 40px;
  width: auto;
  max-width: 225px;
  object-fit: contain;
  display: block;
  transition: transform var(--transition-fast);
}

.logo:hover .logo-img {
  transform: scale(1.02);
}

.logo-icon {
  width: 38px;
  height: 38px;
  background: var(--color-primary);
  color: #fff;
  border-radius: var(--radius-md);
  display: grid;
  place-items: center;
  flex-shrink: 0;
  box-shadow: var(--shadow-xs);
}

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

.nav-links {
  display: flex;
  align-items: center;
  gap: 1.875rem;
  list-style: none;
}

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

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

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

.lang-switcher {
  display: inline-flex;
  align-items: center;
  gap: 0.15rem;
  background: rgba(30, 58, 47, 0.05);
  padding: 0.2rem 0.35rem;
  border-radius: var(--radius-full);
  border: 1px solid var(--color-border);
  font-size: 0.8125rem;
  font-weight: 700;
  line-height: 1;
}

.lang-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.3rem 0.55rem;
  border-radius: var(--radius-full);
  color: var(--color-text-muted);
  text-decoration: none;
  transition: all var(--transition-fast);
  min-width: 28px;
  min-height: 24px;
}

.lang-btn:hover {
  color: var(--color-primary);
}

.lang-btn.active {
  background: var(--color-primary);
  color: #ffffff !important;
}

.lang-divider {
  color: var(--color-border);
  font-size: 0.75rem;
  user-select: none;
}

.mobile-lang-item {
  display: none;
  margin-block-start: 0.5rem;
}

@media (max-width: 900px) {
  .desktop-lang-switcher {
    display: none;
  }
  .mobile-lang-item {
    display: block;
  }
}

.header-cta-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.6875rem 1.375rem;
  background: var(--color-primary);
  color: #ffffff !important;
  font-weight: 700;
  font-size: 0.875rem;
  border-radius: var(--radius-full);
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-normal);
  min-height: 44px;
  touch-action: manipulation;
}

.header-cta-btn:hover {
  background: var(--color-primary-hover);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.mobile-nav-toggle {
  display: none;
  background: none;
  border: none;
  padding: 0.5rem;
  color: var(--color-text-main);
  cursor: pointer;
  min-width: 44px;
  min-height: 44px;
  touch-action: manipulation;
}

/* Nordic Tactile Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.625rem;
  padding: 0.9375rem 1.875rem;
  font-size: 1rem;
  font-weight: 700;
  border-radius: var(--radius-md);
  border: 1px solid transparent;
  cursor: pointer;
  text-decoration: none;
  transition: all var(--transition-normal);
  min-height: 50px;
  touch-action: manipulation;
}

.btn-primary {
  background-color: var(--color-primary);
  color: #ffffff !important;
  box-shadow: var(--shadow-sm);
}

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

.btn-primary:active {
  background-color: var(--color-primary-active);
  transform: translateY(0);
}

.btn-secondary {
  background-color: var(--color-surface);
  color: var(--color-text-main) !important;
  border-color: var(--color-border);
  box-shadow: var(--shadow-xs);
}

.btn-secondary:hover {
  background-color: var(--color-surface-subtle);
  border-color: var(--color-border-hover);
}

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

.btn-block {
  width: 100%;
}

/* Hero Section - Compact Top Header & Focused Calculator */
.hero-section {
  padding-block: 2.75rem 3.5rem;
  background: linear-gradient(180deg, rgba(244, 239, 235, 0.7) 0%, var(--color-canvas) 100%);
  border-block-end: 1px solid var(--color-border);
}

.hero-container-stacked {
  display: flex;
  flex-direction: column;
  align-items: center;
}

.hero-header-compact {
  text-align: center;
  max-width: 780px;
  margin-inline: auto;
  margin-block-end: 2rem;
}

.hero-header-compact h1 {
  font-size: clamp(2rem, 3.5vw, 2.75rem);
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -0.025em;
  margin-block-end: 0.625rem;
  color: var(--color-text-main);
}

.hero-subtitle {
  font-size: 1.0625rem;
  color: var(--color-text-muted);
  line-height: 1.55;
  margin-block-end: 1.25rem;
}

.hero-trust-strip {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 1.75rem;
}

.trust-item {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.90625rem;
  font-weight: 600;
  color: var(--color-text-main);
}

.trust-item svg {
  color: var(--color-primary);
  flex-shrink: 0;
}

.badge-trust {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.35rem 0.95rem;
  background: var(--color-primary-light);
  color: var(--color-primary);
  border: 1px solid var(--color-primary-border);
  border-radius: var(--radius-full);
  font-size: 0.8125rem;
  font-weight: 700;
  margin-block-end: 0.875rem;
}

/* Featured Verified Single Loan Section */
.featured-offer-section {
  padding-block: 5rem;
  content-visibility: auto;
  contain-intrinsic-size: auto 500px;
}

.section-header {
  text-align: center;
  max-width: 680px;
  margin-inline: auto;
  margin-block-end: 3.25rem;
}

.section-tag {
  display: inline-block;
  font-size: 0.8125rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-accent);
  margin-block-end: 0.5rem;
}

.offer-card-featured {
  background: var(--color-surface);
  border: 1.5px solid var(--color-primary-border);
  border-radius: var(--radius-xl);
  padding: 2.75rem;
  box-shadow: var(--shadow-lg);
  position: relative;
  overflow: hidden;
}

.offer-ribbon {
  position: absolute;
  inset-block-start: 1.75rem;
  inset-inline-end: 1.75rem;
  background: var(--color-primary);
  color: #ffffff;
  padding: 0.4rem 1.125rem;
  border-radius: var(--radius-full);
  font-size: 0.75rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.offer-card-top {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  margin-block-end: 2rem;
  padding-block-end: 1.75rem;
  border-block-end: 1px solid var(--color-border);
}

.offer-partner-avatar {
  width: 60px;
  height: 60px;
  background: var(--color-primary-light);
  border: 1px solid var(--color-primary-border);
  border-radius: var(--radius-lg);
  display: grid;
  place-items: center;
  color: var(--color-primary);
}

.offer-title-group h3 {
  font-size: 1.45rem;
  margin-block-end: 0.25rem;
}

.offer-title-group p {
  margin-block-end: 0;
  font-size: 0.96875rem;
}

.offer-specs-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
  margin-block-end: 2.25rem;
}

.spec-box {
  background: var(--color-surface-subtle);
  padding: 1.125rem 1.25rem;
  border-radius: var(--radius-md);
  border: 1px solid var(--color-border);
}

.spec-label {
  font-size: 0.8125rem;
  color: var(--color-text-subtle);
  font-weight: 600;
  margin-block-end: 0.25rem;
}

.spec-val {
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--color-text-main);
  font-variant-numeric: tabular-nums;
}

.spec-val.highlight {
  color: var(--color-primary);
}

.offer-features-list {
  list-style: none;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem 1.75rem;
  margin-block-end: 2.25rem;
}

.offer-features-list li {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.96875rem;
  color: var(--color-text-muted);
}

.offer-features-list svg {
  color: var(--color-primary);
  flex-shrink: 0;
}

.offer-action-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.75rem;
  background: var(--color-primary-light);
  padding: 1.375rem 1.75rem;
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-primary-border);
}

.offer-terms-note {
  font-size: 0.84375rem;
  color: var(--color-text-muted);
  line-height: 1.5;
  margin-block-end: 0;
}

/* 4-Step Process Section */
.steps-section {
  padding-block: 5rem;
  background: var(--color-surface);
  border-block-start: 1px solid var(--color-border);
  border-block-end: 1px solid var(--color-border);
  content-visibility: auto;
  contain-intrinsic-size: auto 400px;
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.75rem;
}

.step-card {
  background: var(--color-canvas);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 1.875rem;
  position: relative;
  transition: transform var(--transition-normal), box-shadow var(--transition-normal);
}

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

.step-number {
  width: 44px;
  height: 44px;
  background: var(--color-primary);
  color: #ffffff;
  border-radius: 50%;
  font-weight: 800;
  display: grid;
  place-items: center;
  margin-block-end: 1.25rem;
  font-size: 1.1rem;
}

.step-card h3 {
  font-size: 1.2rem;
  margin-block-end: 0.5rem;
}

.step-card p {
  font-size: 0.90625rem;
  color: var(--color-text-muted);
  margin-block-end: 0;
}

/* Comparison Table & Mobile Cards */
.comparison-section {
  padding-block: 5rem;
  content-visibility: auto;
  contain-intrinsic-size: auto 500px;
}

.table-responsive {
  width: 100%;
  overflow-x: auto;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  background: var(--color-surface);
  box-shadow: var(--shadow-sm);
  -webkit-overflow-scrolling: touch;
}

.comparison-table-desktop {
  display: block;
}

.comparison-cards-mobile {
  display: none;
  flex-direction: column;
  gap: 1.25rem;
}

.comp-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 1.35rem 1.25rem;
  box-shadow: var(--shadow-sm);
  position: relative;
}

.comp-card-featured {
  border: 2px solid var(--color-primary);
  background: linear-gradient(180deg, var(--color-primary-light) 0%, var(--color-surface) 100%);
  box-shadow: var(--shadow-md);
}

.comp-card-badge {
  display: inline-block;
  background: var(--color-primary);
  color: #ffffff;
  font-size: 0.6875rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 0.25rem 0.65rem;
  border-radius: var(--radius-full);
  margin-block-end: 0.75rem;
}

.comp-card-header {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  flex-wrap: wrap;
  gap: 0.35rem 0.75rem;
  margin-block-end: 1rem;
  padding-block-end: 0.75rem;
  border-block-end: 1px solid var(--color-border);
}

.comp-card-header h3 {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--color-text-main);
  margin: 0;
}

.comp-card-rate {
  font-size: 1rem;
  font-weight: 800;
  color: var(--color-primary);
  font-variant-numeric: tabular-nums;
}

.comp-card-rate.warning {
  color: #B91C1C;
}

.comp-card-rate.muted {
  color: var(--color-text-muted);
  font-size: 0.875rem;
}

.comp-card-rows {
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
  margin-block-end: 1rem;
}

.comp-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.875rem;
  gap: 0.5rem;
}

.comp-label {
  color: var(--color-text-muted);
  font-size: 0.8125rem;
}

.comp-val {
  font-weight: 600;
  color: var(--color-text-main);
  text-align: right;
  font-variant-numeric: tabular-nums;
}

.comp-card-btn {
  margin-block-start: 0.5rem;
  min-height: 46px;
}

.loan-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
}

.loan-table th, .loan-table td {
  padding: 1.1875rem 1.375rem;
  border-block-end: 1px solid var(--color-border);
  font-size: 0.96875rem;
}

.loan-table th {
  background: var(--color-surface-subtle);
  font-weight: 700;
  color: var(--color-text-main);
  white-space: nowrap;
}

.loan-table tr:last-child td {
  border-block-end: none;
}

.loan-table tr.highlight-row {
  background: var(--color-primary-light);
}

.loan-table tr.highlight-row td {
  font-weight: 600;
  color: var(--color-text-main);
}

.tag-badge {
  display: inline-block;
  padding: 0.25rem 0.6875rem;
  border-radius: var(--radius-full);
  font-size: 0.75rem;
  font-weight: 700;
}

.tag-badge-green {
  background: #dcfce7;
  color: #15803d;
}

.tag-badge-gray {
  background: var(--color-surface-subtle);
  color: #57534e;
}

/* Interactive Eligibility Checker */
.eligibility-section {
  padding-block: 5rem;
  background: var(--color-surface);
  border-block-start: 1px solid var(--color-border);
  border-block-end: 1px solid var(--color-border);
  content-visibility: auto;
  contain-intrinsic-size: auto 400px;
}

.checker-card {
  background: var(--color-canvas);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: 2.75rem;
}

.checker-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.25rem;
  margin-block: 2rem;
}

.check-item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  background: var(--color-surface);
  padding: 1.375rem;
  border-radius: var(--radius-md);
  border: 1px solid var(--color-border);
  cursor: pointer;
  user-select: none;
  transition: all var(--transition-fast);
}

.check-item:has(input:checked) {
  border-color: var(--color-primary);
  background: var(--color-primary-light);
}

.check-item input[type="checkbox"] {
  width: 22px;
  height: 22px;
  margin-block-start: 2px;
  accent-color: var(--color-primary);
  cursor: pointer;
  flex-shrink: 0;
}

.check-text h4 {
  font-size: 1.03125rem;
  margin-block-end: 0.25rem;
}

.check-text p {
  font-size: 0.84375rem;
  margin-block-end: 0;
  color: var(--color-text-subtle);
}

.checker-result-box {
  background: var(--color-primary-light);
  border: 1px solid var(--color-primary-border);
  border-radius: var(--radius-lg);
  padding: 1.5rem 1.75rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
}

/* Long Educational SEO Content */
.seo-content-section {
  padding-block: 5rem;
  content-visibility: auto;
  contain-intrinsic-size: auto 600px;
}

.seo-prose {
  max-width: var(--container-narrow-width);
  margin-inline: auto;
}

.seo-prose h2 {
  margin-block-start: 2.75rem;
  margin-block-end: 1rem;
}

.seo-prose h3 {
  margin-block-start: 2.25rem;
  margin-block-end: 0.75rem;
}

.seo-prose ul, .seo-prose ol {
  margin-block: 1.25rem 1.5rem;
  margin-inline-start: 1.75rem;
  color: var(--color-text-muted);
}

.seo-prose li {
  margin-block-end: 0.5rem;
}

.callout-box {
  background: var(--color-surface-subtle);
  border-inline-start: 4px solid var(--color-primary);
  padding: 1.625rem;
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  margin-block: 2.25rem;
}

.callout-box h4 {
  font-size: 1.15rem;
  margin-block-end: 0.5rem;
  color: var(--color-text-main);
}

.callout-box p:last-child {
  margin-block-end: 0;
}

/* Partner Official Campaign Ad Banner */
.partner-ad-section {
  padding-block: 2.75rem;
  background: var(--color-canvas);
}

.partner-ad-card {
  background: var(--color-surface);
  border: 1.5px dashed var(--color-primary-border);
  border-radius: var(--radius-xl);
  padding: 1.875rem 2.25rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
  box-shadow: var(--shadow-sm);
  max-width: var(--container-narrow-width);
  margin-inline: auto;
}

.partner-ad-text {
  flex: 1;
}

.partner-ad-text h3 {
  font-size: 1.25rem;
  font-weight: 800;
  margin-block-end: 0.35rem;
  color: var(--color-text-main);
}

.partner-ad-text p {
  font-size: 0.90625rem;
  color: var(--color-text-muted);
  line-height: 1.5;
  margin-block-end: 0;
}

.partner-ad-banner-wrap {
  flex-shrink: 0;
  display: grid;
  place-items: center;
}

.partner-ad-link {
  display: block;
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-fast), box-shadow var(--transition-fast);
}

.partner-ad-link:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.partner-ad-img {
  display: block;
  width: 200px;
  height: 200px;
  object-fit: cover;
  border-radius: var(--radius-md);
}

@media (max-width: 768px) {
  .partner-ad-card {
    flex-direction: column;
    text-align: center;
    padding: 1.5rem 1.25rem;
    gap: 1.25rem;
  }
}

/* Exhaustive FAQ Section */
.faq-section {
  padding-block: 5rem;
  background: var(--color-surface);
  border-block-start: 1px solid var(--color-border);
  content-visibility: auto;
  contain-intrinsic-size: auto 800px;
}

.faq-list {
  max-width: var(--container-narrow-width);
  margin-inline: auto;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.faq-item {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  background: var(--color-canvas);
  overflow: hidden;
  transition: border-color var(--transition-fast), background-color var(--transition-fast);
}

.faq-item.is-open,
.faq-item[open] {
  border-color: var(--color-primary-border);
  background: var(--color-surface);
}

.faq-question {
  width: 100%;
  text-align: left;
  background: none;
  border: none;
  padding: 1.375rem 1.625rem;
  font-size: 1.0625rem;
  font-weight: 700;
  color: var(--color-text-main);
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  list-style: none;
  touch-action: manipulation;
  min-height: 52px;
}

.faq-question::-webkit-details-marker {
  display: none;
}

.faq-toggle-icon {
  width: 22px;
  height: 22px;
  transition: transform var(--transition-fast);
  color: var(--color-text-subtle);
  flex-shrink: 0;
}

.faq-item.is-open .faq-toggle-icon,
.faq-item[open] .faq-toggle-icon {
  transform: rotate(180deg);
  color: var(--color-primary);
}

.faq-answer {
  padding: 0 1.625rem 1.625rem;
  display: none;
  font-size: 0.96875rem;
  line-height: 1.65;
}

.faq-item.is-open .faq-answer,
.faq-item[open] .faq-answer {
  display: block;
}

/* Articles Preview Grid */
.articles-preview-section {
  padding-block: 5rem;
  content-visibility: auto;
  contain-intrinsic-size: auto 600px;
}

.articles-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.article-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: transform var(--transition-normal), box-shadow var(--transition-normal);
  text-decoration: none;
}

.article-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--color-border-hover);
}

.article-card-body {
  padding: 1.875rem;
  display: flex;
  flex-direction: column;
  flex-grow: 1;
}

.article-meta {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.8125rem;
  color: var(--color-text-subtle);
  margin-block-end: 0.75rem;
}

.article-category {
  font-weight: 700;
  color: var(--color-accent);
}

.article-card h3 {
  font-size: 1.25rem;
  color: var(--color-text-main);
  margin-block-end: 0.75rem;
  line-height: 1.35;
}

.article-card p {
  font-size: 0.9375rem;
  color: var(--color-text-muted);
  margin-block-end: 1.5rem;
  flex-grow: 1;
}

.article-read-more {
  display: inline-flex;
  align-items: center;
  gap: 0.375rem;
  font-weight: 700;
  font-size: 0.875rem;
  color: var(--color-primary);
}

/* Compliance Disclaimer Box */
.compliance-box {
  background: var(--color-surface-subtle);
  border: 1px solid #D5CEC2;
  border-radius: var(--radius-md);
  padding: 1.375rem 1.625rem;
  margin-block: 3.5rem 1rem;
  font-size: 0.84375rem;
  color: #57534E;
  line-height: 1.55;
}

.compliance-box strong {
  color: var(--color-text-main);
}

/* Sticky Mobile CTA Bar */
.sticky-mobile-cta {
  display: none;
  position: fixed;
  inset-block-end: 0;
  inset-inline: 0;
  z-index: 99;
  background: var(--color-surface);
  border-block-start: 1px solid var(--color-border);
  padding: 0.875rem 1.25rem;
  box-shadow: 0 -4px 16px rgba(28, 25, 23, 0.08);
}

.sticky-mobile-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.sticky-loan-summary {
  display: flex;
  flex-direction: column;
}

.sticky-loan-sum {
  font-weight: 800;
  font-size: 1.15rem;
  color: var(--color-text-main);
}

.sticky-loan-monthly {
  font-size: 0.78125rem;
  color: var(--color-text-subtle);
}

/* Site Footer */
.site-footer {
  background: #171513; /* Warm Obsidian Slate */
  color: #A8A29E;
  padding-block: 4.5rem 2.5rem;
  font-size: 0.9375rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 3rem;
  margin-block-end: 3.5rem;
}

.footer-brand h4 {
  color: #FAF8F5;
  font-size: 1.25rem;
  margin-block-end: 0.75rem;
}

.footer-brand p {
  color: #A8A29E;
  font-size: 0.875rem;
  max-width: 320px;
}

.footer-col h5 {
  color: #FAF8F5;
  font-size: 0.9375rem;
  font-weight: 700;
  margin-block-end: 1.25rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.6875rem;
}

.footer-links a {
  color: #A8A29E;
  font-size: 0.875rem;
  transition: color var(--transition-fast);
}

.footer-links a:hover {
  color: #FAF8F5;
}

.footer-bottom {
  padding-block-start: 2.25rem;
  border-block-start: 1px solid #292524;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
  font-size: 0.8125rem;
}

/* Reduced Motion Optimization */
@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;
  }
}

/* Responsive Media Queries */
@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 2.75rem;
  }
  
  .hero-content {
    max-width: 100%;
    text-align: center;
  }
  
  .hero-highlights {
    align-items: center;
  }

  .steps-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .articles-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .offer-specs-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 768px) {
  :root {
    --header-height: 68px;
  }

  .nav-links {
    display: none;
    position: absolute;
    inset-block-start: var(--header-height);
    inset-inline: 0;
    background: var(--color-surface);
    border-block-end: 1px solid var(--color-border);
    flex-direction: column;
    padding: 1.75rem;
    gap: 1.25rem;
    box-shadow: var(--shadow-lg);
  }

  .nav-links.is-open {
    display: flex;
  }

  .mobile-nav-toggle {
    display: block;
  }

  .header-cta-btn {
    display: none;
  }

  /* Featured Offer Card Mobile Optimization */
  .offer-card-featured {
    padding: 1.5rem 1.125rem;
  }

  .offer-header-badge-row {
    margin-block-end: 0.875rem;
  }

  .offer-ribbon {
    position: static;
    display: inline-block;
    padding: 0.3rem 0.875rem;
    font-size: 0.71875rem;
  }

  .offer-card-top {
    gap: 0.875rem;
    margin-block-end: 1.25rem;
    padding-block-end: 1.25rem;
  }

  .offer-partner-avatar {
    width: 46px;
    height: 46px;
    min-width: 46px;
  }

  .offer-partner-avatar svg {
    width: 22px;
    height: 22px;
  }

  .offer-title-group h3 {
    font-size: 1.15rem;
  }

  .offer-title-group p {
    font-size: 0.875rem;
  }

  .offer-specs-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 0.625rem;
    margin-block-end: 1.375rem;
  }

  .spec-box {
    padding: 0.75rem 0.8125rem;
  }

  .spec-label {
    font-size: 0.71875rem;
    margin-block-end: 0.15rem;
  }

  .spec-val {
    font-size: 1.05rem;
  }

  .offer-features-list {
    grid-template-columns: 1fr;
    gap: 0.625rem;
    margin-block-end: 1.375rem;
  }

  .offer-features-list li {
    font-size: 0.875rem;
    gap: 0.625rem;
  }

  .offer-action-row {
    flex-direction: column;
    padding: 1.125rem;
    gap: 1rem;
    text-align: center;
  }

  .btn-offer-cta {
    width: 100%;
    min-height: 48px;
    font-size: 1.05rem;
  }

  /* Comparison Section Switch to Mobile Cards */
  .comparison-table-desktop {
    display: none;
  }

  .comparison-cards-mobile {
    display: flex;
  }

  .steps-grid {
    grid-template-columns: 1fr;
  }

  .articles-grid {
    grid-template-columns: 1fr;
  }

  .checker-grid {
    grid-template-columns: 1fr;
  }

  .checker-result-box {
    flex-direction: column;
    text-align: center;
  }

  .sticky-mobile-cta {
    display: block;
  }
  
  body {
    padding-block-end: 76px;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 2.25rem;
  }
}