/* ==========================================================================
   Apple Design Components & Interactive Elements
   ========================================================================== */

/* --- Sticky Translucent Header --- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(247, 245, 239, 0.9);
  backdrop-filter: blur(20px) saturate(180%);
  -webkit-backdrop-filter: blur(20px) saturate(180%);
  border-bottom: 1px solid rgba(180, 160, 140, 0.22);
  transition: background-color var(--spring-snappy), border-color var(--spring-snappy);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}

.brand-wrapper {
  display: flex;
  flex-direction: column;
  text-decoration: none;
  color: inherit;
  cursor: pointer;
  user-select: none;
  transition: opacity 0.2s ease;
}

.brand-wrapper:hover {
  opacity: 0.85;
}

.brand-badge {
  font-size: 0.72rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--accent-orange);
}

.brand-title {
  font-size: 1.15rem;
  font-weight: 600;
  letter-spacing: -0.015em;
  color: #1e2229;
}

.header-controls {
  display: flex;
  align-items: center;
  gap: 16px;
}

/* Language Switcher Pill */
.lang-switcher {
  display: flex;
  background: rgba(0, 0, 0, 0.05);
  border: 1px solid rgba(180, 160, 140, 0.25);
  padding: 3px;
  border-radius: var(--radius-full);
}

.lang-btn {
  padding: 5px 12px;
  font-size: 0.82rem;
  font-weight: 500;
  color: #5a6270;
  border-radius: var(--radius-full);
  transition: all var(--spring-snappy);
}

.lang-btn:hover {
  color: #1e2229;
}

.lang-btn.active {
  background: #ffffff;
  color: #1e2229;
  box-shadow: 0 1px 4px rgba(0, 0, 0, 0.08);
}

/* Apple Pill Buttons */
.btn-primary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: linear-gradient(135deg, #f26419 0%, #e8590c 100%);
  color: var(--text-on-accent);
  padding: 10px 20px;
  font-size: 0.95rem;
  font-weight: 600;
  border-radius: var(--radius-full);
  box-shadow: 0 2px 10px rgba(232, 89, 12, 0.28);
  transition: all var(--spring-snappy);
}

.btn-primary:hover {
  background: linear-gradient(135deg, #e8590c 0%, #d44e06 100%);
  box-shadow: 0 4px 16px rgba(232, 89, 12, 0.38);
}

.btn-primary:active {
  transform: scale(0.97);
  background: linear-gradient(135deg, #d44e06 0%, #c23e07 100%);
}

.btn-large {
  padding: 16px 32px;
  font-size: 1.1rem;
  font-weight: 600;
  width: 100%;
}

/* ==========================================================================
   Sydney Warm Sandstone & Golden Hour Showcase Hero
   ========================================================================== */
.sydney-hero-wrapper {
  position: relative;
  overflow: hidden;
  background-color: #f7f5ef;
  color: #1e2229;
  padding-bottom: 28px;
}

.sydney-backdrop-layer {
  position: absolute;
  inset: 0;
  pointer-events: none;
  z-index: 1;
  overflow: hidden;
}

.sydney-cinematic-bg {
  position: absolute;
  inset: -28px;
  background-image: url('/static/assets/sydney_golden_hour.jpg');
  background-size: cover;
  background-position: center 42%;
  background-repeat: no-repeat;
  filter: brightness(0.96) contrast(1.04) saturate(1.1);
  animation: sydneyKenBurns 30s ease-in-out infinite alternate;
  will-change: transform;
  transform-origin: center center;
  opacity: 0.62;
}

@keyframes sydneyKenBurns {
  0% {
    transform: scale(1) translate(0, 0);
  }
  50% {
    transform: scale(1.05) translate(-1%, -0.8%);
  }
  100% {
    transform: scale(1.02) translate(0.8%, 0.5%);
  }
}

.sydney-harbour-reflections {
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 65% 45%, rgba(255, 215, 140, 0.45) 0%, transparent 60%),
              radial-gradient(circle at 20% 60%, rgba(245, 230, 205, 0.4) 0%, transparent 55%),
              radial-gradient(circle at 80% 30%, rgba(255, 240, 215, 0.35) 0%, transparent 50%);
  animation: sydneyReflectionsBreathe 12s ease-in-out infinite alternate;
  mix-blend-mode: soft-light;
  pointer-events: none;
}

@keyframes sydneyReflectionsBreathe {
  0% {
    opacity: 0.7;
    transform: scale(1);
  }
  50% {
    opacity: 0.95;
    transform: scale(1.02) translate(8px, -4px);
  }
  100% {
    opacity: 0.8;
    transform: scale(0.98) translate(-6px, 5px);
  }
}

.sydney-backdrop-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    180deg,
    rgba(247, 245, 239, 0.72) 0%,
    rgba(247, 245, 239, 0.38) 32%,
    rgba(247, 245, 239, 0.88) 78%,
    #f7f5ef 100%
  );
  pointer-events: none;
}

.sydney-transition-glow {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 48px;
  background: linear-gradient(to bottom, transparent, rgba(247, 245, 239, 0.7) 60%, var(--bg-canvas) 100%);
  pointer-events: none;
  z-index: 4;
}

/* --- Hero Section --- */
.hero-section {
  position: relative;
  z-index: 10;
  padding: 56px 0 28px;
  text-align: center;
}

.hero-content {
  max-width: 820px;
  margin: 0 auto;
}

.pill-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 18px;
  background: rgba(255, 255, 255, 0.82);
  border: 1px solid rgba(180, 160, 140, 0.35);
  border-radius: var(--radius-full);
  font-size: 0.85rem;
  font-weight: 500;
  color: #3b424f;
  box-shadow: 0 2px 12px rgba(180, 150, 120, 0.12);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  margin-bottom: 20px;
}

.sydney-geo-tag {
  display: inline-flex;
  align-items: center;
  margin-left: 6px;
  padding-left: 8px;
  border-left: 1px solid rgba(180, 160, 140, 0.4);
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--accent-orange);
  letter-spacing: 0.02em;
}

.pulse-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--status-green);
  box-shadow: 0 0 0 0 rgba(46, 133, 64, 0.7);
  animation: pulse 2s infinite;
}

@keyframes pulse {
  0% { transform: scale(0.95); box-shadow: 0 0 0 0 rgba(46, 133, 64, 0.7); }
  70% { transform: scale(1); box-shadow: 0 0 0 6px rgba(46, 133, 64, 0); }
  100% { transform: scale(0.95); box-shadow: 0 0 0 0 rgba(46, 133, 64, 0); }
}

.sydney-hero-wrapper .display-title {
  color: #171a21;
  text-shadow: 0 1px 16px rgba(255, 255, 255, 0.85);
}

.hero-subtitle {
  font-size: 1.25rem;
  color: #4b5563;
  line-height: 1.5;
  margin: 18px auto 0;
  max-width: 720px;
  text-shadow: 0 1px 8px rgba(255, 255, 255, 0.75);
}

/* --- Diagnostic Workspace Grid --- */
.diagnostic-section {
  padding: 24px 0 60px;
}

.diagnostic-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
}

@media (max-width: 960px) {
  .diagnostic-grid {
    grid-template-columns: 1fr;
  }
}

/* Calculator Input Panel */
.calc-panel {
  padding: 36px;
  display: flex;
  flex-direction: column;
  gap: 28px;
}

.panel-header h2 {
  font-size: 1.55rem;
  letter-spacing: -0.02em;
  margin-bottom: 6px;
}

.panel-header p {
  font-size: 0.95rem;
  color: var(--text-secondary);
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.form-label {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--text-secondary);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

/* Apple Segmented Controls */
.segmented-control {
  display: flex;
  background: rgba(0, 0, 0, 0.05);
  padding: 4px;
  border-radius: var(--radius-md);
  gap: 4px;
}

.seg-btn {
  flex: 1;
  padding: 10px 14px;
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--text-secondary);
  border-radius: calc(var(--radius-md) - 3px);
  text-align: center;
  transition: all var(--spring-snappy);
}

.seg-btn.active {
  background: #ffffff;
  color: var(--text-primary);
  font-weight: 600;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
}

/* Rate & Balance Input Box */
.rate-input-box {
  display: flex;
  align-items: center;
  background: #ffffff;
  border: 1.5px solid rgba(0, 0, 0, 0.1);
  border-radius: var(--radius-md);
  padding: 6px 14px;
  transition: border-color var(--spring-snappy), box-shadow var(--spring-snappy);
}

.rate-input-box:focus-within {
  border-color: var(--accent-orange);
  box-shadow: 0 0 0 3px var(--accent-orange-subtle);
}

.rate-input {
  flex: 1;
  font-size: 2.2rem;
  font-weight: 700;
  color: var(--text-primary);
  letter-spacing: -0.02em;
  border: none;
  outline: none;
  background: transparent;
  width: 100%;
}

.rate-suffix {
  font-size: 1.6rem;
  font-weight: 600;
  color: var(--text-secondary);
  margin-left: 8px;
}

.currency-prefix {
  font-size: 1.8rem;
  font-weight: 600;
  color: var(--text-secondary);
  margin-right: 6px;
}

.stepper-controls {
  display: flex;
  gap: 6px;
}

.stepper-btn {
  width: 36px;
  height: 36px;
  border-radius: var(--radius-sm);
  background: rgba(0, 0, 0, 0.05);
  color: var(--text-primary);
  font-size: 1.2rem;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background var(--spring-snappy);
}

.stepper-btn:hover {
  background: rgba(0, 0, 0, 0.1);
}

.field-helper {
  font-size: 0.82rem;
  color: var(--text-secondary);
}

/* Slider Controls */
.slider-header {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
}

.slider-val-display {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--accent-blue);
  letter-spacing: -0.015em;
}

.apple-range {
  -webkit-appearance: none;
  width: 100%;
  height: 8px;
  border-radius: 4px;
  background: rgba(0, 0, 0, 0.08);
  outline: none;
  margin: 10px 0;
}

.apple-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: #ffffff;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.22);
  cursor: pointer;
  border: 1px solid rgba(0, 0, 0, 0.04);
  transition: transform 0.1s ease;
}

.apple-range::-webkit-slider-thumb:hover {
  transform: scale(1.12);
}

.range-ticks {
  display: flex;
  justify-content: space-between;
  font-size: 0.78rem;
  color: var(--text-tertiary);
}

/* --- Diagnosis & Savings Results Panel --- */
.results-panel {
  padding: 36px;
  display: flex;
  flex-direction: column;
  gap: 28px;
  justify-content: space-between;
}

/* Status Badge */
.status-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 14px;
  border-radius: var(--radius-full);
  font-size: 0.85rem;
  font-weight: 600;
  width: fit-content;
}

.status-badge .dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
}

.status-badge.competitive {
  background: var(--status-green-bg);
  color: #1b8a3e;
}
.status-badge.competitive .dot { background: var(--status-green); }

.status-badge.average {
  background: var(--status-amber-bg);
  color: #b36b00;
}
.status-badge.average .dot { background: var(--status-amber); }

.status-badge.alert {
  background: var(--status-red-bg);
  color: #c92a2a;
}
.status-badge.alert .dot { background: var(--status-red); }

.diagnostic-header {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-bottom: 24px;
}

.diagnostic-title {
  font-size: 1.45rem;
  letter-spacing: -0.015em;
}

.diagnostic-desc {
  font-size: 0.95rem;
  color: var(--text-secondary);
  line-height: 1.55;
}

/* Spectrum Gauge Container */
.spectrum-wrapper {
  margin: 16px 0 24px;
  padding-top: 38px; /* Dedicated headroom for floating user pin bubble */
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.spectrum-track-container {
  position: relative;
  height: 16px;
  border-radius: 8px;
  background: linear-gradient(to right, #34c759 0%, #a2d242 30%, #ffcc00 55%, #ff9500 75%, #ff3b30 100%);
  box-shadow: inset 0 1px 3px rgba(0, 0, 0, 0.15);
}

/* Floating User Pin */
.user-pin {
  position: absolute;
  top: 50%;
  transform: translate(-50%, -50%);
  width: 22px;
  height: 22px;
  display: flex;
  justify-content: center;
  align-items: center;
  transition: left var(--spring-snappy);
  pointer-events: none;
  z-index: 2;
}

.pin-bubble {
  position: absolute;
  bottom: calc(100% + 6px);
  left: 50%;
  transform: translateX(-50%);
  background: var(--accent-orange);
  color: #ffffff;
  padding: 4px 10px;
  border-radius: var(--radius-xs);
  font-size: 0.8rem;
  font-weight: 700;
  white-space: nowrap;
  box-shadow: 0 4px 12px rgba(232, 89, 12, 0.35);
}

.pin-bubble::after {
  content: "";
  position: absolute;
  bottom: -4px;
  left: 50%;
  transform: translateX(-50%);
  border-left: 5px solid transparent;
  border-right: 5px solid transparent;
  border-top: 5px solid var(--accent-orange);
}

.pin-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: #ffffff;
  border: 3px solid var(--accent-orange);
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.2);
  flex-shrink: 0;
}

/* Benchmark Markers below track (Staggered 2-Tier Apple-style layout) */
.spectrum-markers {
  position: relative;
  min-height: 84px;
  margin-top: 6px;
}

.benchmark-marker {
  position: absolute;
  transform: translateX(-50%);
  text-align: center;
  font-size: 0.74rem;
  color: var(--text-secondary);
  white-space: nowrap;
  transition: left var(--spring-snappy);
}

/* Tier 1: Market Lowest (Upper row) */
#marker-lowest,
.benchmark-marker.marker-tier1 {
  top: 4px;
}

#marker-lowest::before,
.benchmark-marker.marker-tier1::before {
  content: "";
  display: block;
  width: 1.5px;
  height: 8px;
  background: rgba(0, 0, 0, 0.22);
  margin: 0 auto 3px;
}

/* Tier 2: Big 4 Average (Lower row with connecting guide hairline) */
#marker-big4,
.benchmark-marker.marker-tier2 {
  top: 46px;
}

#marker-big4::before,
.benchmark-marker.marker-tier2::before {
  content: "";
  position: absolute;
  top: -42px;
  left: 50%;
  transform: translateX(-50%);
  width: 1px;
  height: 38px;
  background: rgba(0, 0, 0, 0.2);
}

.marker-val {
  font-weight: 600;
  color: var(--text-primary);
}

/* Big Savings Highlight Card */
.savings-callout {
  background: linear-gradient(135deg, rgba(52, 199, 89, 0.08) 0%, rgba(0, 113, 227, 0.06) 100%);
  border: 1px solid rgba(52, 199, 89, 0.25);
  border-radius: var(--radius-md);
  padding: 24px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.savings-callout-header {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
}

.savings-label {
  font-size: 0.85rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--text-secondary);
}

.savings-diff {
  font-size: 0.85rem;
  font-weight: 600;
  color: #1b8a3e;
}

.savings-amounts-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.savings-box {
  background: rgba(255, 255, 255, 0.8);
  border-radius: var(--radius-sm);
  padding: 14px 18px;
  border: 1px solid rgba(255, 255, 255, 0.9);
}

.savings-sublabel {
  font-size: 0.78rem;
  color: var(--text-secondary);
  margin-bottom: 4px;
}

.savings-big-num {
  font-size: 1.85rem;
  font-weight: 700;
  letter-spacing: -0.025em;
  color: #1b8a3e;
}

.savings-five-year-pill {
  font-size: 0.84rem;
  color: var(--text-secondary);
  background: rgba(255, 255, 255, 0.6);
  padding: 8px 14px;
  border-radius: var(--radius-full);
  text-align: center;
}

.savings-five-year-pill strong {
  color: var(--text-primary);
}

/* Call to Action Container */
.cta-container {
  display: flex;
  flex-direction: column;
  gap: 10px;
  text-align: center;
}

.cta-subtext {
  font-size: 0.82rem;
  color: var(--text-secondary);
}

/* --- Directory & Comparison Section --- */
.directory-section {
  padding: 60px 0;
}

.section-header-row {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  margin-bottom: 28px;
  gap: 24px;
}

.directory-controls-group {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 10px;
  flex-shrink: 0;
}

.table-purpose-control {
  background: rgba(0, 0, 0, 0.06);
  padding: 3px;
  border-radius: var(--radius-full);
  display: inline-flex;
  border: 1px solid rgba(0, 0, 0, 0.04);
}

.table-purpose-control .seg-btn {
  padding: 6px 14px;
  font-size: 0.84rem;
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  border-radius: var(--radius-full);
  color: var(--text-secondary);
  transition: all 180ms cubic-bezier(0.16, 1, 0.3, 1);
}

.table-purpose-control .seg-btn:hover:not(.active) {
  color: var(--text-primary);
}

.table-purpose-control .seg-btn.active {
  background: #ffffff;
  color: var(--accent-blue);
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
}

@media (max-width: 992px) {
  .section-header-row {
    flex-direction: column;
    align-items: flex-start;
  }

  .directory-controls-group {
    align-items: flex-start;
    width: 100%;
  }
}

/* Category Filter Tabs */
.filter-tabs {
  display: flex;
  background: rgba(0, 0, 0, 0.05);
  padding: 4px;
  border-radius: var(--radius-full);
  gap: 4px;
  flex-wrap: wrap;
}

.tab-btn {
  padding: 8px 16px;
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--text-secondary);
  border-radius: var(--radius-full);
  transition: all var(--spring-snappy);
}

.tab-btn.active {
  background: #ffffff;
  color: var(--text-primary);
  font-weight: 600;
  box-shadow: 0 1px 4px rgba(0, 0, 0, 0.1);
}

/* Lender Table Card */
.table-card {
  overflow: hidden;
  padding: 0;
}

.table-responsive {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
}

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

.lenders-table th {
  background: rgba(0, 0, 0, 0.02);
  padding: 16px 20px;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--text-secondary);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  border-bottom: 1px solid var(--border-subtle);
}

.lenders-table td {
  padding: 18px 20px;
  border-bottom: 1px solid rgba(0, 0, 0, 0.04);
  vertical-align: middle;
}

.lender-row {
  transition: background-color 0.15s ease;
}

.lender-row:hover {
  background-color: rgba(255, 255, 255, 0.95);
}

.bank-identity {
  display: flex;
  align-items: center;
  gap: 14px;
}

.bank-avatar {
  width: 44px;
  height: 44px;
  min-width: 44px;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  background: #ffffff;
  border: 1px solid rgba(0, 0, 0, 0.08);
  box-shadow: 0 1px 4px rgba(0, 0, 0, 0.04);
  padding: 4px;
  box-sizing: border-box;
  overflow: hidden;
  position: relative;
}

.bank-avatar.has-logo {
  background: #ffffff;
}

.bank-logo-img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  border-radius: 4px;
  display: block;
}

.bank-avatar-fallback {
  width: 100%;
  height: 100%;
  border-radius: 4px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.02em;
}

.bank-avatar.big4,
.bank-avatar-fallback.big4 {
  background: #1d1d1f;
  color: #ffffff;
}

.bank-avatar.tier2,
.bank-avatar-fallback.tier2 {
  background: #0071e3;
  color: #ffffff;
}

.bank-avatar.non_bank,
.bank-avatar-fallback.non_bank {
  background: #5856d6;
  color: #ffffff;
}

.bank-meta {
  display: flex;
  flex-direction: column;
}

.bank-title {
  font-size: 1rem;
  font-weight: 600;
  color: var(--text-primary);
}

.product-title {
  font-size: 0.82rem;
  color: var(--text-secondary);
}

.category-pill {
  display: inline-block;
  padding: 4px 10px;
  border-radius: var(--radius-full);
  font-size: 0.76rem;
  font-weight: 600;
}

.badge-big4 { background: rgba(29, 29, 31, 0.08); color: #1d1d1f; }
.badge-tier2 { background: rgba(0, 113, 227, 0.08); color: #0071e3; }
.badge-nonbank { background: rgba(88, 86, 214, 0.08); color: #5856d6; }

.rate-cell {
  font-size: 1rem;
  font-variant-numeric: tabular-nums;
  color: var(--text-secondary);
}

.rate-cell.highlight-rate {
  font-size: 1.15rem;
  color: var(--text-primary);
}

.diff-badge {
  display: inline-block;
  padding: 5px 12px;
  border-radius: var(--radius-full);
  font-size: 0.82rem;
  font-weight: 600;
}

.diff-badge.positive {
  background: var(--status-green-bg);
  color: #1b8a3e;
}

.diff-badge.neutral {
  background: rgba(0, 0, 0, 0.05);
  color: var(--text-secondary);
}

/* --- Why Kelly Section --- */
.why-section {
  padding: 60px 0 80px;
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 36px;
}

@media (max-width: 840px) {
  .why-grid {
    grid-template-columns: 1fr;
  }
}

.why-card {
  padding: 32px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.why-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-md);
  background: var(--accent-orange-subtle);
  color: var(--accent-orange);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
}

.why-card h3 {
  font-size: 1.25rem;
  letter-spacing: -0.015em;
}

.why-card p {
  font-size: 0.95rem;
  color: var(--text-secondary);
  line-height: 1.5;
}

/* --- Floating Modal Sheet ("Contact Kelly") --- */
.modal-overlay {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: rgba(38, 30, 20, 0.48);
  backdrop-filter: blur(20px) saturate(140%);
  -webkit-backdrop-filter: blur(20px) saturate(140%);
  z-index: 1000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--spring-snappy), visibility var(--spring-snappy);
}

.modal-overlay.active {
  opacity: 1;
  visibility: visible;
}

.modal-sheet {
  background: radial-gradient(circle at 95% 8%, rgba(255, 235, 195, 0.45) 0%, transparent 45%), #fbf9f4;
  border: 1.5px solid rgba(210, 195, 175, 0.7);
  border-radius: var(--radius-xl);
  box-shadow: 0 32px 80px rgba(120, 95, 70, 0.22), 0 0 0 1px rgba(210, 195, 175, 0.3);
  width: 100%;
  max-width: 520px;
  max-height: calc(100vh - 48px);
  overflow-y: auto;
  padding: 30px 32px 32px;
  position: relative;
  transform: scale(0.94) translateY(20px);
  transition: transform var(--spring-gentle);
  scrollbar-width: thin;
  scrollbar-color: rgba(180, 160, 140, 0.3) transparent;
}

/* Apple-style Minimal Floating Scrollbar for Modal */
.modal-sheet::-webkit-scrollbar {
  width: 6px;
}

.modal-sheet::-webkit-scrollbar-track {
  background: transparent;
  margin: 16px 0;
}

.modal-sheet::-webkit-scrollbar-thumb {
  background: rgba(180, 160, 140, 0.3);
  border-radius: 9999px;
  transition: background 0.2s ease;
}

.modal-sheet::-webkit-scrollbar-thumb:hover {
  background: rgba(180, 131, 62, 0.5);
}

.modal-sheet::-webkit-scrollbar-button {
  display: none;
  width: 0;
  height: 0;
}

.modal-overlay.active .modal-sheet {
  transform: scale(1) translateY(0);
}

.modal-close {
  position: absolute;
  top: 22px;
  right: 22px;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: rgba(180, 160, 140, 0.18);
  color: var(--text-secondary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  transition: all 0.15s ease;
  border: none;
  cursor: pointer;
}

.modal-close:hover {
  background: rgba(180, 131, 62, 0.25);
  color: var(--text-primary);
  transform: scale(1.08);
}

.modal-header {
  margin-bottom: 16px;
  padding-right: 36px;
}

.modal-header h3 {
  font-size: 1.5rem;
  letter-spacing: -0.02em;
  margin-bottom: 4px;
}

.modal-header p {
  font-size: 0.95rem;
  color: var(--text-secondary);
}

/* Modal Summary Chips Box */
.modal-summary-box {
  background: var(--bg-canvas);
  border-radius: var(--radius-md);
  padding: 12px 14px;
  margin-bottom: 16px;
  border: 1px solid rgba(0, 0, 0, 0.05);
}

.summary-box-title {
  font-size: 0.74rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--text-secondary);
  margin-bottom: 6px;
}

.summary-chips-row {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
}

.summary-chip {
  background: #ffffff;
  padding: 4px 10px;
  border-radius: var(--radius-xs);
  font-size: 0.78rem;
  color: var(--text-secondary);
  border: 1px solid rgba(0, 0, 0, 0.06);
}

.summary-chip strong {
  color: var(--text-primary);
}

/* Modal Form Controls */
.modal-form {
  display: flex;
  flex-direction: column;
  gap: 13px;
}

.form-label {
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--text-secondary);
  margin-bottom: 4px;
  display: block;
}

.input-field, .select-field, .textarea-field {
  width: 100%;
  padding: 9px 14px;
  font-size: 0.92rem;
  font-family: inherit;
  border-radius: var(--radius-sm);
  border: 1.5px solid rgba(0, 0, 0, 0.12);
  background: #ffffff;
  color: var(--text-primary);
  outline: none;
  transition: all var(--spring-snappy);
}

.input-field:focus, .select-field:focus, .textarea-field:focus {
  border-color: var(--accent-orange);
  box-shadow: 0 0 0 3px var(--accent-orange-subtle);
}

.textarea-field {
  resize: vertical;
  min-height: 60px;
}

/* Success View */
.success-view {
  text-align: center;
  padding: 40px 20px;
}

.success-icon-wrap {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background: var(--status-green-bg);
  color: #1b8a3e;
  font-size: 2.2rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
}

.success-view h3 {
  font-size: 1.6rem;
  margin-bottom: 12px;
}

.success-view p {
  color: var(--text-secondary);
  font-size: 1.05rem;
  line-height: 1.5;
  margin-bottom: 28px;
}

/* --- Footer --- */
.site-footer {
  border-top: 1px solid var(--border-subtle);
  background: var(--bg-subtle);
  padding: 48px 0;
  font-size: 0.85rem;
  color: var(--text-secondary);
  line-height: 1.6;
}

.footer-inner {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.footer-disclaimer {
  width: 100%;
  max-width: 100%;
  line-height: 1.65;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  border-top: 1px solid rgba(0, 0, 0, 0.05);
  padding-top: 20px;
}


/* ==========================================================================
   Stripe-style 3-Card Summary Showcase & Standalone Tool Suite
   ========================================================================== */
.stripe-showcase-section {
  padding: 16px 0 44px;
  position: relative;
  z-index: 10;
}

.stripe-cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  width: 100%;
}

.stripe-card {
  position: relative;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  min-height: 268px;
  padding: 28px 24px;
  background: rgba(255, 255, 255, 0.86);
  backdrop-filter: blur(24px) saturate(160%);
  -webkit-backdrop-filter: blur(24px) saturate(160%);
  border: 1.5px solid rgba(220, 210, 195, 0.7);
  border-radius: 22px;
  box-shadow: 0 10px 28px -4px rgba(160, 140, 115, 0.12), 0 2px 8px rgba(0, 0, 0, 0.03);
  cursor: pointer;
  overflow: hidden;
  transition: transform 300ms cubic-bezier(0.16, 1, 0.3, 1),
              box-shadow 300ms cubic-bezier(0.16, 1, 0.3, 1),
              border-color 220ms ease,
              background 220ms ease;
  user-select: none;
  -webkit-user-select: none;
  outline: none;
}

/* Staggered Dynamic Micro-Motion Floating (Subtle & Alive) */
#card-tool-0 {
  animation: gentleCardFloat 6.2s ease-in-out infinite;
  animation-delay: 0s;
}

#card-tool-1 {
  animation: gentleCardFloat 6.8s ease-in-out infinite;
  animation-delay: 1.2s;
}

#card-tool-2 {
  animation: gentleCardFloat 7.4s ease-in-out infinite;
  animation-delay: 2.4s;
}

@keyframes gentleCardFloat {
  0%, 100% {
    transform: translateY(0px);
  }
  50% {
    transform: translateY(-6px);
  }
}

/* Ambient Sheen Sweep Effect Across Cards */
.stripe-card::after {
  content: '';
  position: absolute;
  top: 0;
  left: -150%;
  width: 150%;
  height: 100%;
  background: linear-gradient(
    90deg,
    transparent 0%,
    rgba(255, 255, 255, 0.4) 30%,
    rgba(255, 230, 180, 0.35) 50%,
    rgba(255, 255, 255, 0.4) 70%,
    transparent 100%
  );
  transform: skewX(-20deg);
  pointer-events: none;
  animation: cardSheenSweep 9s cubic-bezier(0.4, 0, 0.2, 1) infinite;
}

#card-tool-0::after { animation-delay: 0s; }
#card-tool-1::after { animation-delay: 3s; }
#card-tool-2::after { animation-delay: 6s; }

@keyframes cardSheenSweep {
  0% {
    left: -150%;
  }
  24%, 100% {
    left: 200%;
  }
}

/* Hover State - Pauses Float, Lifts, and Glows with Warm Sandstone & Sunset Orange Halo */
.stripe-card:hover {
  animation-play-state: paused;
  transform: translateY(-9px) scale(1.018);
  background: rgba(255, 255, 255, 0.98);
  border-color: var(--accent-orange);
  box-shadow: 0 20px 42px -10px var(--accent-orange-glow),
              0 4px 16px rgba(0, 0, 0, 0.04),
              inset 0 1px 0 rgba(255, 255, 255, 0.8);
}

.stripe-card:active {
  transform: translateY(-2px) scale(0.99);
}

.stripe-card:focus-visible {
  border-color: var(--accent-orange);
  box-shadow: 0 0 0 3px var(--accent-orange-subtle);
}

.stripe-card-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 14px;
}

.stripe-card-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 4px 10px;
  border-radius: var(--radius-full);
  background: var(--accent-orange-subtle);
  color: var(--accent-orange);
  border: 1px solid rgba(232, 89, 12, 0.22);
  font-size: 0.76rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  text-transform: uppercase;
}

.badge-icon {
  font-size: 0.95rem;
}

.stripe-card-indicator {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: rgba(232, 89, 12, 0.35);
  transition: background-color 200ms ease, transform 200ms ease, box-shadow 200ms ease;
}

.stripe-card:hover .stripe-card-indicator {
  background: var(--accent-orange);
  box-shadow: 0 0 8px var(--accent-orange);
  transform: scale(1.3);
}

.stripe-card-title {
  font-size: 1.25rem;
  font-weight: 700;
  line-height: 1.35;
  letter-spacing: -0.02em;
  color: #1e2229;
  margin-bottom: 8px;
}

.stripe-card-teaser {
  font-size: 0.88rem;
  line-height: 1.45;
  color: #555e6c;
  margin-bottom: 18px;
  flex-grow: 1;
}

.stripe-card-metric-box {
  background: rgba(247, 245, 239, 0.9);
  border: 1px solid rgba(220, 210, 195, 0.7);
  box-shadow: inset 0 1px 2px rgba(0, 0, 0, 0.03);
  border-radius: 12px;
  padding: 12px 14px;
  margin-bottom: 16px;
}

.stripe-metric-label {
  font-size: 0.74rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.03em;
  color: #798391;
  margin-bottom: 4px;
}

.stripe-metric-val {
  font-size: 1.35rem;
  font-weight: 700;
  letter-spacing: -0.02em;
  color: var(--accent-orange);
}

.stripe-card-action {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 12px;
  border-top: 1px solid rgba(220, 210, 195, 0.6);
  color: var(--accent-orange);
  font-size: 0.88rem;
  font-weight: 600;
}

.stripe-card-action .action-arrow {
  transition: transform 200ms ease, color 200ms ease;
}

.stripe-card:hover .action-arrow {
  transform: translateX(6px);
  color: var(--accent-orange-hover);
}

/* ==========================================================================
   Dedicated Standalone Tool Workspace Modal
   ========================================================================== */
.tool-modal-overlay {
  z-index: 1050;
  padding: 32px 20px;
}

.tool-modal-sheet {
  max-width: 1140px;
  width: 100%;
  max-height: calc(100vh - 56px);
  padding: 32px 36px 36px;
  background: radial-gradient(circle at 95% 6%, rgba(255, 235, 195, 0.45) 0%, transparent 45%), #fbf9f4;
  backdrop-filter: blur(32px) saturate(180%);
  -webkit-backdrop-filter: blur(32px) saturate(180%);
  border: 1.5px solid rgba(210, 195, 175, 0.7);
  border-radius: 24px;
  box-shadow: 0 32px 80px rgba(120, 95, 70, 0.22), 0 0 0 1px rgba(210, 195, 175, 0.25);
}

.tool-modal-header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  margin-bottom: 24px;
  padding-bottom: 16px;
  border-bottom: 1px solid rgba(180, 160, 140, 0.25);
}

.tool-modal-title-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.tool-modal-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  width: fit-content;
  padding: 4px 10px;
  border-radius: var(--radius-full);
  background: var(--accent-orange-subtle);
  color: var(--accent-orange);
  border: 1px solid rgba(232, 89, 12, 0.22);
  font-size: 0.76rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  text-transform: uppercase;
}

.tool-modal-title {
  font-size: 1.5rem;
  font-weight: 700;
  letter-spacing: -0.02em;
  color: var(--text-primary);
  margin: 0;
}

.tool-modal-close {
  position: static;
  flex-shrink: 0;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: rgba(180, 160, 140, 0.18);
  color: var(--text-secondary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  transition: background 180ms ease, color 180ms ease, transform 180ms ease;
  cursor: pointer;
  border: none;
}

.tool-modal-close:hover {
  background: rgba(180, 131, 62, 0.25);
  color: var(--text-primary);
  transform: scale(1.08);
}

.tool-modal-body {
  position: relative;
  width: 100%;
}

#tool-panels-container {
  position: relative;
  width: 100%;
}

.tool-content-panel {
  display: none;
  opacity: 0;
  transform: translateY(6px);
  transition: opacity 260ms cubic-bezier(0.16, 1, 0.3, 1), transform 260ms cubic-bezier(0.16, 1, 0.3, 1);
}

.tool-content-panel.active {
  display: block;
  opacity: 1;
  transform: translateY(0);
}

/* Tool Calculation Styles & Visual Aids */
.savings-amount-huge {
  font-size: 2.8rem;
  font-weight: 700;
  letter-spacing: -0.03em;
  color: var(--accent-orange);
  line-height: 1.1;
}

.repay-bar-track {
  display: flex;
  height: 12px;
  border-radius: var(--radius-full);
  overflow: hidden;
  background: rgba(0, 0, 0, 0.06);
}

.repay-bar-fill.principal {
  background: var(--accent-blue);
  transition: width 300ms cubic-bezier(0.23, 1, 0.32, 1);
}

.repay-bar-fill.interest {
  background: #f59e0b;
  transition: width 300ms cubic-bezier(0.23, 1, 0.32, 1);
}

.repay-bar-legend {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 8px;
  font-size: 0.82rem;
  color: var(--text-secondary);
  font-weight: 500;
}

.legend-item {
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.legend-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  display: inline-block;
}

.legend-dot.principal {
  background: var(--accent-blue);
}

.legend-dot.interest {
  background: #f59e0b;
}

.bridge-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 20px;
  border-radius: var(--radius-md);
  background: var(--accent-orange-subtle);
  color: var(--accent-orange);
  font-weight: 600;
  font-size: 0.92rem;
  border: 1px solid rgba(232, 89, 12, 0.22);
  cursor: pointer;
  transition: all 200ms ease;
}

.bridge-btn:hover {
  background: rgba(232, 89, 12, 0.16);
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(232, 89, 12, 0.15);
}

/* ==========================================================================
   CBA-Grade Borrowing Power 3-Step Wizard & Purchase Power Styles
   ========================================================================== */
.borrow-step-pills {
  display: flex;
  gap: 8px;
  margin-bottom: 24px;
  background: rgba(180, 160, 140, 0.16);
  padding: 4px;
  border-radius: var(--radius-full);
}

.borrow-step-pill {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 8px 12px;
  border: none;
  border-radius: var(--radius-full);
  background: transparent;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-secondary);
  cursor: pointer;
  transition: all 200ms cubic-bezier(0.16, 1, 0.3, 1);
  white-space: nowrap;
}

.borrow-step-pill:hover {
  color: var(--text-primary);
  background: rgba(255, 255, 255, 0.6);
}

.borrow-step-pill.active {
  background: #ffffff;
  color: var(--accent-orange);
  box-shadow: 0 2px 8px rgba(140, 120, 95, 0.15);
}

.borrow-step-pill .step-num {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: rgba(180, 160, 140, 0.25);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  font-weight: 700;
  transition: all 200ms ease;
}

.borrow-step-pill.active .step-num {
  background: var(--accent-orange);
  color: #ffffff;
}

.borrow-step-panel {
  animation: fadeInStep 220ms ease-in-out;
}

@keyframes fadeInStep {
  from {
    opacity: 0;
    transform: translateY(4px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.input-freq-row {
  display: flex;
  align-items: center;
  gap: 10px;
  width: 100%;
}

.input-freq-row .flex-grow {
  flex: 1;
  min-width: 0;
}

.frequency-select {
  height: 48px;
  padding: 0 12px;
  border-radius: var(--radius-md);
  border: 1px solid rgba(0, 0, 0, 0.12);
  background: #ffffff;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--text-primary);
  cursor: pointer;
  outline: none;
  transition: border-color 180ms ease, box-shadow 180ms ease;
  white-space: nowrap;
}

.frequency-select:focus {
  border-color: var(--accent-orange);
  box-shadow: 0 0 0 3px var(--accent-orange-subtle);
}

.wizard-nav-footer {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 24px;
  padding-top: 16px;
  border-top: 1px solid rgba(0, 0, 0, 0.06);
  gap: 12px;
}

.btn-wizard-nav {
  padding: 10px 20px;
  font-size: 0.9rem;
  border-radius: var(--radius-md);
  font-weight: 600;
  cursor: pointer;
}

#btn-borrow-next {
  margin-left: auto;
}

/* Purchase Power Highlighting Block */
.purchase-power-block {
  background: rgba(0, 113, 227, 0.04);
  border: 1px solid rgba(0, 113, 227, 0.16);
  border-radius: var(--radius-md);
  padding: 16px;
  margin-top: 18px;
  text-align: left;
}

.purchase-power-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 12px;
  flex-wrap: wrap;
  gap: 8px;
}

.purchase-power-title {
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--accent-orange);
}

.deposit-chips {
  display: flex;
  gap: 4px;
  background: rgba(0, 0, 0, 0.05);
  padding: 3px;
  border-radius: var(--radius-full);
}

.deposit-chip {
  border: none;
  background: transparent;
  padding: 4px 10px;
  font-size: 0.78rem;
  font-weight: 600;
  border-radius: var(--radius-full);
  cursor: pointer;
  color: var(--text-secondary);
  transition: all 180ms ease;
}

.deposit-chip.active {
  background: var(--accent-orange);
  color: #ffffff;
  box-shadow: 0 1px 4px rgba(232, 89, 12, 0.25);
}

.purchase-power-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 10px;
}

.purchase-power-cell {
  background: #ffffff;
  border-radius: var(--radius-sm);
  padding: 10px 14px;
  display: flex;
  flex-direction: column;
  border: 1px solid rgba(0, 0, 0, 0.05);
}

.cell-sublabel {
  font-size: 0.74rem;
  color: var(--text-secondary);
  font-weight: 500;
  margin-bottom: 3px;
}

.cell-val-bold {
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--text-primary);
  letter-spacing: -0.02em;
}

.cell-val-bold.highlight {
  color: var(--accent-orange);
}

/* Dark Mode Overrides */
[data-theme="dark"] .borrow-step-pills {
  background: rgba(255, 255, 255, 0.06);
}

[data-theme="dark"] .borrow-step-pill:hover {
  background: rgba(255, 255, 255, 0.1);
}

[data-theme="dark"] .borrow-step-pill.active {
  background: #2c2c2e;
  color: #388bfd;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.3);
}

[data-theme="dark"] .borrow-step-pill .step-num {
  background: rgba(255, 255, 255, 0.12);
  color: #f5f5f7;
}

[data-theme="dark"] .borrow-step-pill.active .step-num {
  background: #388bfd;
  color: #ffffff;
}

[data-theme="dark"] .frequency-select {
  background: #1c1c1e;
  border-color: rgba(255, 255, 255, 0.16);
  color: #f5f5f7;
}

[data-theme="dark"] .purchase-power-block {
  background: rgba(56, 139, 253, 0.08);
  border-color: rgba(56, 139, 253, 0.25);
}

[data-theme="dark"] .purchase-power-cell {
  background: #1c1c1e;
  border-color: rgba(255, 255, 255, 0.08);
}

[data-theme="dark"] .deposit-chips {
  background: rgba(255, 255, 255, 0.08);
}

[data-theme="dark"] .deposit-chip.active {
  background: #2c2c2e;
  color: #388bfd;
}

[data-theme="dark"] .wizard-nav-footer {
  border-top-color: rgba(255, 255, 255, 0.08);
}

/* ==========================================================================
   AI Search (GEO) FAQ Section
   ========================================================================== */
.faq-section {
  padding: 64px 0 72px;
  border-top: 1px solid var(--border-subtle);
  background: var(--bg-canvas);
}

.faq-header {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 40px;
}

.faq-eyebrow {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #0071e3;
  margin-bottom: 8px;
}

.faq-title {
  font-size: 2rem;
  font-weight: 700;
  color: var(--text-primary);
  letter-spacing: -0.02em;
  margin-bottom: 12px;
}

.faq-subtitle {
  font-size: 1rem;
  color: var(--text-secondary);
  line-height: 1.5;
}

.faq-grid {
  max-width: 840px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.faq-item {
  background: var(--bg-card);
  border: 1px solid var(--border-subtle);
  border-radius: 16px;
  overflow: hidden;
  transition: box-shadow 0.2s ease, border-color 0.2s ease;
}

.faq-item:hover {
  border-color: rgba(0, 113, 227, 0.3);
}

.faq-item[open] {
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.04);
}

.faq-question {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 24px;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--text-primary);
  cursor: pointer;
  list-style: none;
  user-select: none;
}

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

.faq-chevron {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  transition: transform 0.25s ease;
  color: var(--text-tertiary);
}

.faq-item[open] .faq-chevron {
  transform: rotate(180deg);
  color: #0071e3;
}

.faq-answer {
  padding: 0 24px 22px;
  color: var(--text-secondary);
  font-size: 0.95rem;
  line-height: 1.65;
}

.faq-answer strong {
  color: var(--text-primary);
  display: block;
  margin-bottom: 6px;
}

[data-theme="dark"] .faq-item {
  background: #1c1c1e;
  border-color: rgba(255, 255, 255, 0.1);
}

[data-theme="dark"] .faq-item[open] {
  box-shadow: 0 4px 24px rgba(0, 0, 0, 0.4);
}

/* --- Privacy Consent & Legal Modal Styles --- */
.consent-group {
  margin-top: 10px;
  margin-bottom: 8px;
}

.checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.82rem;
  line-height: 1.45;
  color: var(--text-secondary);
  cursor: pointer;
  user-select: none;
}

.checkbox-label input[type="checkbox"] {
  margin-top: 2px;
  width: 17px;
  height: 17px;
  border-radius: 4px;
  border: 1.5px solid var(--border-medium);
  accent-color: var(--apple-blue);
  cursor: pointer;
  flex-shrink: 0;
}

.inline-legal-link {
  background: none;
  border: none;
  padding: 0;
  font-family: inherit;
  font-size: inherit;
  color: var(--apple-blue);
  text-decoration: underline;
  cursor: pointer;
  font-weight: 600;
  transition: opacity 0.2s ease;
  display: inline;
}

.inline-legal-link:hover {
  opacity: 0.8;
}

/* Privacy Modal Sheet */
.modal-sheet-legal {
  max-width: 660px;
  padding: 34px 34px 28px;
}

.legal-header {
  margin-bottom: 16px;
  padding-bottom: 14px;
  border-bottom: 1px solid var(--border-light);
}

.legal-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.72rem;
  font-weight: 700;
  color: #a46f28;
  background: rgba(220, 160, 60, 0.12);
  border: 1px solid rgba(220, 160, 60, 0.28);
  padding: 3px 10px;
  border-radius: 9999px;
  margin-bottom: 8px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.legal-content-scroll {
  max-height: 52vh;
  overflow-y: auto;
  padding-right: 12px;
  margin-bottom: 20px;
  font-size: 0.86rem;
  line-height: 1.65;
  color: var(--text-secondary);
  scrollbar-width: thin;
  scrollbar-color: rgba(180, 160, 140, 0.3) transparent;
}

.legal-content-scroll::-webkit-scrollbar {
  width: 5px;
}

.legal-content-scroll::-webkit-scrollbar-thumb {
  background: rgba(180, 160, 140, 0.3);
  border-radius: 4px;
}

.legal-section {
  margin-bottom: 18px;
}

.legal-section h4 {
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 6px;
  display: flex;
  align-items: center;
  gap: 6px;
}

.legal-section p, .legal-section ul {
  margin-bottom: 6px;
}

.legal-section ul {
  padding-left: 18px;
}

.legal-section li {
  margin-bottom: 3px;
}

.legal-highlight-box {
  background: rgba(0, 113, 227, 0.05);
  border: 1px solid rgba(0, 113, 227, 0.2);
  border-radius: var(--radius-md);
  padding: 12px 16px;
  margin-bottom: 16px;
  font-size: 0.84rem;
  color: var(--text-primary);
  line-height: 1.5;
}

.legal-footer-actions {
  display: flex;
  gap: 12px;
  justify-content: flex-end;
  border-top: 1px solid var(--border-light);
  padding-top: 16px;
}

/* Footer Disclaimer Inline Legal Link */
.footer-disclaimer-link-wrap {
  display: inline-block;
  margin-left: 6px;
  white-space: nowrap;
}

.footer-legal-inline {
  display: inline;
  background: none;
  border: none;
  padding: 0;
  color: var(--accent-blue);
  text-decoration: underline;
  text-underline-offset: 3px;
  font-family: inherit;
  font-size: inherit;
  font-weight: 600;
  cursor: pointer;
  transition: color 0.2s ease, opacity 0.2s ease;
}

.footer-legal-inline:hover {
  color: var(--accent-blue-hover);
  opacity: 0.85;
}

/* ==========================================================================
   Social Media Elements (Facebook @brokerkelly.au)
   ========================================================================== */

/* Header Social Icon Button */
.header-social-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  color: var(--text-secondary);
  background: rgba(0, 0, 0, 0.04);
  border: 1px solid rgba(0, 0, 0, 0.07);
  text-decoration: none;
  transition: all 0.2s cubic-bezier(0.16, 1, 0.3, 1);
  flex-shrink: 0;
}

.header-social-btn:hover {
  color: #1877f2;
  background: rgba(24, 119, 242, 0.1);
  border-color: rgba(24, 119, 242, 0.25);
  transform: translateY(-1px);
}

.header-social-btn:active {
  transform: scale(0.96);
}

/* Footer Social Bar */
.footer-social-bar {
  display: flex;
  align-items: center;
  margin-bottom: 6px;
}

.footer-social-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--bg-card);
  border: 1px solid rgba(180, 160, 140, 0.32);
  padding: 6px 14px;
  border-radius: 9999px;
  color: var(--text-primary);
  font-size: 0.82rem;
  font-weight: 500;
  text-decoration: none;
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.04);
  transition: all 0.2s ease;
}

.footer-social-pill .social-icon-fb {
  color: #1877f2;
  flex-shrink: 0;
}

.footer-social-pill .social-arrow {
  color: var(--text-tertiary);
  font-size: 0.82rem;
  transition: transform 0.2s ease;
}

.footer-social-pill:hover {
  border-color: #1877f2;
  color: #1877f2;
  transform: translateY(-1px);
  box-shadow: 0 3px 10px rgba(24, 119, 242, 0.12);
}

.footer-social-pill:hover .social-arrow {
  transform: translate(2px, -2px);
  color: #1877f2;
}

/* Footer Bottom Links */
.footer-bottom-right {
  display: flex;
  align-items: center;
  gap: 12px;
}

.footer-bottom-fb-link {
  color: var(--text-secondary);
  text-decoration: none;
  font-size: inherit;
  font-weight: 500;
  display: inline-flex;
  align-items: center;
  transition: color 0.15s ease;
}

.footer-bottom-fb-link svg {
  color: #1877f2;
}

.footer-bottom-fb-link:hover {
  color: #1877f2;
  text-decoration: underline;
}

.footer-bottom-sep {
  opacity: 0.35;
}

/* Modal Success Social Link */
.modal-success-social {
  margin: 16px 0 20px;
  display: flex;
  justify-content: center;
}

.modal-fb-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: #1877f2;
  color: #ffffff;
  padding: 10px 20px;
  border-radius: 10px;
  font-size: 0.86rem;
  font-weight: 600;
  text-decoration: none;
  box-shadow: 0 2px 8px rgba(24, 119, 242, 0.25);
  transition: all 0.2s ease;
}

.modal-fb-btn:hover {
  background: #166fe5;
  color: #ffffff;
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(24, 119, 242, 0.35);
}

.modal-fb-btn:active {
  transform: scale(0.98);
}

/* ==========================================================================
   WhatsApp Multi-Channel Integration Styles (0424 171 284)
   ========================================================================== */

/* Header WhatsApp Icon Button */
.header-social-btn.header-whatsapp-btn:hover {
  color: #25d366;
  background: rgba(37, 211, 102, 0.12);
  border-color: rgba(37, 211, 102, 0.35);
  transform: translateY(-1px);
}

/* Footer WhatsApp Pill */
.footer-social-pill.footer-whatsapp-pill:hover {
  border-color: #25d366;
  color: #0b7344;
  transform: translateY(-1px);
  box-shadow: 0 3px 10px rgba(37, 211, 102, 0.18);
}

.footer-social-pill .social-icon-wa {
  color: #25d366;
  flex-shrink: 0;
}

.footer-social-pill.footer-whatsapp-pill:hover .social-arrow {
  color: #0b7344;
}

/* Footer Bottom WhatsApp Link */
.footer-bottom-wa-link svg {
  color: #25d366;
}

.footer-bottom-wa-link:hover {
  color: #0b7344;
  text-decoration: underline;
}

/* Modal Direct WhatsApp Button & Divider */
.modal-or-divider {
  display: flex;
  align-items: center;
  text-align: center;
  margin: 14px 0 10px;
  color: var(--text-tertiary);
  font-size: 0.78rem;
  letter-spacing: 0.04em;
}

.modal-or-divider::before,
.modal-or-divider::after {
  content: '';
  flex: 1;
  border-bottom: 1px solid rgba(0, 0, 0, 0.08);
}

.modal-or-divider span {
  padding: 0 10px;
}

.modal-whatsapp-direct-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  width: 100%;
  padding: 12px 18px;
  border-radius: 12px;
  background: rgba(37, 211, 102, 0.08);
  border: 1px solid rgba(37, 211, 102, 0.35);
  color: #0b7344;
  font-size: 0.9rem;
  font-weight: 600;
  text-decoration: none;
  transition: all 0.2s cubic-bezier(0.16, 1, 0.3, 1);
  box-sizing: border-box;
}

.modal-whatsapp-direct-btn svg {
  color: #25d366;
  flex-shrink: 0;
  transition: transform 0.2s ease;
}

.modal-whatsapp-direct-btn:hover {
  background: #25d366;
  border-color: #25d366;
  color: #ffffff;
  transform: translateY(-1px);
  box-shadow: 0 4px 14px rgba(37, 211, 102, 0.32);
}

.modal-whatsapp-direct-btn:hover svg {
  color: #ffffff;
  transform: scale(1.08);
}

.modal-whatsapp-direct-btn:active {
  transform: scale(0.99);
}

/* Modal Success WhatsApp Button */
.modal-wa-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: #25d366;
  color: #ffffff;
  padding: 10px 18px;
  border-radius: 10px;
  font-size: 0.86rem;
  font-weight: 600;
  text-decoration: none;
  box-shadow: 0 2px 8px rgba(37, 211, 102, 0.28);
  transition: all 0.2s ease;
}

.modal-wa-btn:hover {
  background: #20bd5a;
  color: #ffffff;
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(37, 211, 102, 0.4);
}

.modal-wa-btn:active {
  transform: scale(0.98);
}

/* ==========================================================================
   Floating WhatsApp Quick-Contact Widget (FAB)
   ========================================================================== */
.whatsapp-fab-wrap {
  position: fixed;
  right: 24px;
  bottom: 24px;
  z-index: 990;
  display: flex;
  align-items: center;
}

.whatsapp-fab {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  background: #25d366;
  color: #ffffff;
  padding: 12px 18px 12px 14px;
  border-radius: 9999px;
  text-decoration: none;
  font-size: 0.92rem;
  font-weight: 600;
  letter-spacing: -0.01em;
  box-shadow: 0 8px 24px -4px rgba(37, 211, 102, 0.48),
              0 2px 8px rgba(0, 0, 0, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.35);
  transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
  user-select: none;
  -webkit-user-select: none;
}

.whatsapp-fab-icon {
  flex-shrink: 0;
  transition: transform 0.25s cubic-bezier(0.16, 1, 0.3, 1);
}

.whatsapp-fab-badge {
  display: inline-block;
  width: 8px;
  height: 8px;
  background-color: #ffffff;
  border-radius: 50%;
  animation: waPulse 2s infinite;
  flex-shrink: 0;
}

@keyframes waPulse {
  0% {
    box-shadow: 0 0 0 0 rgba(255, 255, 255, 0.85);
  }
  70% {
    box-shadow: 0 0 0 7px rgba(255, 255, 255, 0);
  }
  100% {
    box-shadow: 0 0 0 0 rgba(255, 255, 255, 0);
  }
}

.whatsapp-fab:hover {
  background: #20bd5a;
  color: #ffffff;
  transform: translateY(-3px) scale(1.02);
  box-shadow: 0 14px 32px -4px rgba(37, 211, 102, 0.58),
              0 4px 12px rgba(0, 0, 0, 0.12);
}

.whatsapp-fab:hover .whatsapp-fab-icon {
  transform: rotate(5deg) scale(1.06);
}

.whatsapp-fab:active {
  transform: translateY(-1px) scale(0.98);
}

@media (max-width: 640px) {
  .whatsapp-fab-wrap {
    right: 16px;
    bottom: 18px;
  }

  .whatsapp-fab {
    padding: 10px 15px 10px 12px;
    font-size: 0.84rem;
    box-shadow: 0 6px 20px -2px rgba(37, 211, 102, 0.45);
  }
}