/* ==========================================
   SaveMoney4Future - Premium Finance Edition
   Design: High-End Wealth Management Aesthetic
   ========================================== */

/* === PREMIUM COLOR SYSTEM ===

   Primary (Deep Blue / Navy):
   - Primary: #1e3a8a (buttons, active states, primary actions)
   - Dark: #1e293b (headings, strong emphasis)
   - Hover: #2563eb (hover states)

   Secondary (Charcoal / Near-Black):
   - Charcoal: #18181b (secondary emphasis, borders)
   - Black: #0a0a0a (maximum contrast elements)

   Neutral Palette:
   - Pure White: #ffffff (primary background)
   - Off-White: #fafafa (section backgrounds)
   - Light Gray: #f4f4f5 (subtle backgrounds)
   - Medium Gray: #71717a (body text, muted)
   - Dark Gray: #27272a (strong text)

   Accent (Cost/Alert - Amber retained for warnings):
   - Amber: #d97706 (cost displays only)
   - Light Amber: #fef3c7 (ticker backgrounds)

   ========================================== */

/* === CSS Custom Properties === */
:root {
  /* Colors */
  --color-primary: #1e3a8a;
  --color-primary-hover: #2563eb;
  --color-primary-dark: #1e293b;
  --color-charcoal: #18181b;
  --color-black: #0a0a0a;

  --color-bg-primary: #ffffff;
  --color-bg-secondary: #fafafa;
  --color-bg-subtle: #f4f4f5;

  --color-text-primary: #0a0a0a;
  --color-text-secondary: #27272a;
  --color-text-muted: #71717a;

  --color-border: #e4e4e7;
  --color-border-strong: #d4d4d8;

  /* Typography */
  --font-heading: 'Inter', system-ui, -apple-system, sans-serif;
  --font-body: 'Inter', system-ui, -apple-system, sans-serif;

  --weight-normal: 400;
  --weight-medium: 500;
  --weight-semibold: 600;
  --weight-bold: 700;
  --weight-black: 900;

  /* Spacing */
  --radius-sharp: 2px;
  --radius-small: 4px;
  --radius-medium: 6px;
  --radius-lg: 12px;
  --radius-xl: 16px;

  /* Shadows */
  --shadow-sm: 0 1px 3px rgba(0, 0, 0, 0.06);
  --shadow-md: 0 4px 12px rgba(0, 0, 0, 0.08);
  --shadow-lg: 0 8px 30px rgba(0, 0, 0, 0.12);

  /* Transitions */
  --transition-fast: 0.15s ease;
  --transition-normal: 0.3s ease;
}

/* === Reset & Base === */
* {
  box-sizing: border-box;
}

html, body {
  height: 100%;
}

body {
  margin: 0;
  font-family: var(--font-body);
  background: var(--color-bg-primary);
  color: var(--color-text-secondary);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  font-weight: var(--weight-normal);
}

/* === Container === */
.wrap {
  max-width: 1080px;
  margin: 0 auto;
  padding: 48px 24px;
  display: flex;
  flex-direction: column;
  gap: 64px;
}

/* === Site Header === */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.85);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--color-border);
  box-shadow: none;
  overflow: visible;
  transition: box-shadow var(--transition-normal), background-color var(--transition-normal);
}

.site-header.scrolled {
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.08);
}

.header-container {
  max-width: 1080px;
  margin: 0 auto;
  padding: 16px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand-link {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  color: inherit;
  transition: opacity 0.2s ease;
}

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

.logo {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background-image: url('../logo-concepts/canva-generated/Logo_sm4f.jpeg');
  background-size: cover;
  background-position: center;
  box-shadow: 0 1px 4px rgba(30, 58, 138, 0.12);
  flex-shrink: 0;
}

.brand-name {
  font-size: 18px;
  font-weight: var(--weight-bold);
  color: var(--color-text-primary);
  letter-spacing: 0.02em;
  font-family: var(--font-heading);
}

.header-nav {
  display: flex;
  align-items: center;
  gap: 8px;
}

.nav-link {
  padding: 8px 16px;
  font-size: 13px;
  font-weight: var(--weight-medium);
  color: var(--color-text-muted);
  text-decoration: none;
  border-radius: var(--radius-small);
  transition: all 0.2s ease;
}

.nav-link:hover {
  color: var(--color-primary);
  background: var(--color-bg-subtle);
}

/* Legacy .brand class for other pages */
.brand {
  margin-bottom: 12px;
}

.brand .brand-link {
  gap: 14px;
}

.brand .logo {
  width: 80px;
  height: 80px;
}

h1 {
  font-size: 22px;
  margin: 0;
  font-weight: var(--weight-black);
  color: var(--color-text-primary);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-family: var(--font-heading);
  overflow-wrap: break-word;
  word-break: break-word;
}

/* Page title (About, FAQ, etc.) */
.page-title {
  font-size: 36px;
  margin-bottom: 16px;
  color: var(--color-primary-dark);
  text-transform: none;
  letter-spacing: -0.01em;
  position: relative;
  padding-bottom: 16px;
}

.page-title::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 60px;
  height: 4px;
  background: linear-gradient(90deg, var(--color-primary), #3b82f6);
  border-radius: 2px;
}

/* === PREMIUM TYPOGRAPHY === */
h2 {
  margin: 0 0 12px 0;
  font-size: 18px;
  font-weight: var(--weight-black);
  color: var(--color-text-primary);
  letter-spacing: 0.1em;
  line-height: 1.2;
  text-transform: uppercase;
  font-family: var(--font-heading);
}

h3 {
  margin: 0 0 12px 0;
  font-size: 13px;
  font-weight: var(--weight-bold);
  color: var(--color-text-secondary);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-family: var(--font-heading);
}

p {
  margin: 0 0 16px 0;
  line-height: 1.7;
  color: var(--color-text-muted);
  font-weight: var(--weight-normal);
}

/* === Sections === */
section {
  scroll-margin-top: 20px;
}

/* === Section Background Treatments === */
/* Subtle, professional backgrounds for visual distinction */

/* Calculator sections within tabs - no extra padding/margins */
#mortgage-calculator,
#latte-calculator,
#emergency-calculator {
  background: transparent;
  padding: 0;
  margin: 0;
}

/* Money-Saving Tips */
#tips {
  background: linear-gradient(135deg, #f8fafc 0%, #eff6ff 50%, #f0f9ff 100%);
  padding: 56px 0;
  margin-left: -24px;
  margin-right: -24px;
  padding-left: 24px;
  padding-right: 24px;
  border-top: 1px solid var(--color-border);
}

/* Contact Section */
#contact {
  background: var(--color-bg-subtle);
  padding: 56px 0;
  margin-left: -24px;
  margin-right: -24px;
  padding-left: 24px;
  padding-right: 24px;
  border-radius: var(--radius-lg);
}

/* === Hero Section with Gradient Accent === */
#hero {
  position: relative;
  overflow: hidden;
  background: linear-gradient(135deg, #ffffff 0%, #f8fafc 50%, #f0f9ff 100%);
  border: none;
  box-shadow: 0 4px 20px rgba(30, 58, 138, 0.08);
}

#hero::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg,
    #f97316 0%,
    #fb923c 25%,
    #ec4899 50%,
    #8b5cf6 75%,
    #3b82f6 100%
  );
}

#hero::after {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 60%;
  height: 200%;
  background: radial-gradient(ellipse at center,
    rgba(251, 146, 60, 0.06) 0%,
    rgba(236, 72, 153, 0.04) 40%,
    transparent 70%
  );
  pointer-events: none;
}

.hero-content {
  position: relative;
  z-index: 1;
  text-align: center;
  margin-bottom: 40px;
}

.hero-content h1 {
  font-size: 32px;
  margin-bottom: 16px;
  letter-spacing: 0.06em;
}

.tagline {
  font-size: 20px;
  margin-bottom: 16px;
  font-weight: var(--weight-bold);
  letter-spacing: 0.02em;
  line-height: 1.4;
  background: linear-gradient(135deg, #1e3a8a 0%, #7c3aed 50%, #ec4899 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.value-prop {
  color: var(--color-text-muted);
  font-size: 15px;
  max-width: 620px;
  margin: 0 auto 40px auto;
  line-height: 1.7;
}

/* === PREMIUM BUTTONS === */
.btn {
  padding: 14px 28px;
  border: none;
  border-radius: var(--radius-small);
  font-weight: var(--weight-bold);
  font-size: 13px;
  cursor: pointer;
  transition: all 0.2s ease;
  text-decoration: none;
  display: inline-block;
  font-family: var(--font-body);
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.btn-primary {
  background: var(--color-primary);
  color: white;
  box-shadow: 0 2px 4px rgba(30, 58, 138, 0.15);
}

.btn-primary:hover {
  background: var(--color-primary-hover);
  box-shadow: 0 4px 8px rgba(30, 58, 138, 0.2);
  transform: translateY(-1px);
}

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

.btn-secondary {
  background: white;
  color: var(--color-primary);
  border: 1.5px solid var(--color-primary);
  box-shadow: 0 1px 2px rgba(0, 0, 0, 0.04);
}

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

.btn-secondary:active {
  transform: translateY(0);
}

.btn-small {
  padding: 10px 18px;
  font-size: 12px;
  font-weight: var(--weight-semibold);
}

.cta-buttons {
  position: relative;
  z-index: 1;
  display: flex;
  gap: 12px;
  justify-content: center;
  flex-wrap: wrap;
  margin: 40px 0;
}

/* Gradient accent on primary CTA button in hero */
#hero .btn-primary {
  background: linear-gradient(135deg, #1e3a8a 0%, #3b82f6 100%);
  border: none;
  box-shadow: 0 4px 12px rgba(30, 58, 138, 0.25);
}

#hero .btn-primary:hover {
  background: linear-gradient(135deg, #1e40af 0%, #60a5fa 100%);
  box-shadow: 0 6px 20px rgba(30, 58, 138, 0.35);
  transform: translateY(-2px);
}

/* === Forms === */
.form {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  margin-top: 16px;
}

.form input[type="email"] {
  flex: 1;
  min-width: 240px;
  padding: 14px 16px;
  border: 1.5px solid var(--color-border-strong);
  border-radius: var(--radius-small);
  font-size: 15px;
  font-family: inherit;
  color: var(--color-text-primary);
  background: white;
  transition: all 0.2s ease;
}

.form input[type="email"]:focus {
  outline: none;
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px rgba(30, 58, 138, 0.08);
}

.form button {
  padding: 14px 28px;
  border: none;
  border-radius: var(--radius-small);
  background: var(--color-primary);
  color: white;
  font-size: 13px;
  font-weight: var(--weight-bold);
  cursor: pointer;
  font-family: inherit;
  transition: all 0.2s ease;
  box-shadow: 0 2px 4px rgba(30, 58, 138, 0.15);
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.form button:hover {
  background: var(--color-primary-hover);
  box-shadow: 0 4px 8px rgba(30, 58, 138, 0.2);
}

.fineprint {
  color: var(--color-text-muted);
  font-size: 13px;
  margin: 12px 0 0 0;
  line-height: 1.6;
}

.disclaimer {
  position: relative;
  z-index: 1;
  background: rgba(255, 255, 255, 0.9);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-medium);
  padding: 16px 20px;
  font-size: 13px;
  color: var(--color-text-muted);
  margin-top: 32px;
  line-height: 1.6;
}

.disclaimer strong {
  color: var(--color-text-secondary);
  font-weight: var(--weight-semibold);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  font-size: 12px;
}

/* === App Coming Soon Banner === */
.app-banner {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 28px;
  background: linear-gradient(135deg, #1e3a8a, #2563eb, #3b82f6);
  border-radius: 16px;
  padding: 28px 32px;
  margin-bottom: 20px;
  overflow: hidden;
  box-shadow: 0 4px 24px rgba(30, 58, 138, 0.25);
}

.app-banner::before {
  content: '';
  position: absolute;
  top: -40%;
  right: -10%;
  width: 300px;
  height: 300px;
  background: radial-gradient(circle, rgba(255, 255, 255, 0.08) 0%, transparent 70%);
  pointer-events: none;
}

.app-banner-phone {
  flex-shrink: 0;
  width: 72px;
  height: 130px;
  background: rgba(255, 255, 255, 0.1);
  border: 2.5px solid rgba(255, 255, 255, 0.35);
  border-radius: 18px;
  padding: 12px 8px 10px;
  display: flex;
  flex-direction: column;
  align-items: center;
  position: relative;
  animation: phoneFloat 3s ease-in-out infinite;
  box-shadow: 0 8px 32px rgba(0, 0, 0, 0.2), 0 0 60px rgba(96, 165, 250, 0.15);
}

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

/* Notch */
.app-banner-phone::before {
  content: '';
  position: absolute;
  top: 6px;
  width: 24px;
  height: 4px;
  background: rgba(255, 255, 255, 0.3);
  border-radius: 4px;
}

.app-banner-phone-screen {
  display: flex;
  flex-direction: column;
  gap: 4px;
  align-items: center;
  margin-top: 10px;
  width: 100%;
}

.app-phone-bar {
  width: 100%;
  height: 4px;
  background: rgba(255, 255, 255, 0.35);
  border-radius: 2px;
}

.app-phone-bar.short {
  width: 60%;
}

.app-phone-dot {
  width: 10px;
  height: 10px;
  background: #34d399;
  border-radius: 50%;
  margin-top: 6px;
  box-shadow: 0 0 8px rgba(52, 211, 153, 0.5);
}

/* Fake progress ring */
.app-phone-ring {
  width: 22px;
  height: 22px;
  border: 2.5px solid rgba(255, 255, 255, 0.2);
  border-top-color: #34d399;
  border-radius: 50%;
  margin-top: 6px;
}

/* Fake number */
.app-phone-number {
  font-size: 8px;
  font-weight: var(--weight-bold);
  color: rgba(255, 255, 255, 0.6);
  margin-top: 4px;
  letter-spacing: 0.02em;
}

.app-banner-content {
  max-width: 420px;
  min-width: 0;
  text-align: center;
}

.app-banner-badge {
  display: inline-block;
  background: rgba(255, 255, 255, 0.2);
  color: #ffffff;
  font-size: 11px;
  font-weight: var(--weight-bold);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 4px 10px;
  border-radius: 20px;
  margin-bottom: 8px;
}

.app-banner-title {
  display: block;
  font-size: 18px;
  font-weight: var(--weight-bold);
  color: #ffffff;
  margin-bottom: 4px;
}

.app-banner-desc {
  display: block;
  font-size: 14px;
  color: rgba(255, 255, 255, 0.75);
  margin-bottom: 14px;
}

.app-banner-form {
  display: flex;
  gap: 8px;
  max-width: 380px;
  margin: 0 auto;
}

.app-banner-input {
  flex: 1;
  padding: 10px 14px;
  border: 2px solid rgba(255, 255, 255, 0.3);
  background: rgba(255, 255, 255, 0.12);
  border-radius: 8px;
  font-size: 14px;
  color: #ffffff;
  outline: none;
  transition: border-color 0.2s, background 0.2s;
}

.app-banner-input::placeholder {
  color: rgba(255, 255, 255, 0.5);
}

.app-banner-input:focus {
  border-color: rgba(255, 255, 255, 0.6);
  background: rgba(255, 255, 255, 0.18);
}

.app-banner-btn {
  background: #ffffff !important;
  color: var(--color-primary) !important;
  padding: 10px 20px !important;
  font-size: 14px !important;
  font-weight: var(--weight-bold) !important;
  white-space: nowrap;
  border-radius: 8px !important;
  border: none !important;
  transition: transform 0.15s, box-shadow 0.15s !important;
}

.app-banner-btn:hover {
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.2);
  background: #f0f0f0 !important;
}

.app-banner-success {
  font-size: 14px;
  color: #34d399;
  font-weight: var(--weight-semibold);
  margin: 0;
}

@media (max-width: 700px) {
  .app-banner {
    flex-direction: column;
    text-align: center;
    padding: 24px 20px;
    gap: 16px;
  }

  .app-banner-phone {
    width: 60px;
    height: 110px;
  }

  .app-banner-form {
    width: 100%;
    max-width: none;
  }

  .app-banner-input {
    flex: 1;
  }
}

@media (max-width: 480px) {
  .app-banner {
    padding: 20px 16px;
  }

  .app-banner-title {
    font-size: 16px;
  }

  .app-banner-form {
    flex-direction: column;
  }

  .app-banner-input {
    width: 100%;
  }
}

/* === Calculator Tabs === */
.calculator-tabs-container {
  background: var(--color-bg-secondary);
  padding: 56px 0;
  margin-left: -24px;
  margin-right: -24px;
  padding-left: 24px;
  padding-right: 24px;
  border-top: 1px solid var(--color-border);
  border-bottom: 1px solid var(--color-border);
}

.calculator-tabs-nav {
  display: flex;
  gap: 0;
  margin-bottom: 32px;
  border-bottom: 2px solid var(--color-border);
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none;
}

.calculator-tabs-nav::-webkit-scrollbar {
  display: none;
}

.calculator-tab-btn {
  flex: 1;
  min-width: 140px;
  padding: 16px 24px;
  background: transparent;
  border: none;
  border-bottom: 3px solid transparent;
  margin-bottom: -2px;
  font-size: 13px;
  font-weight: var(--weight-bold);
  color: var(--color-text-muted);
  cursor: pointer;
  transition: all 0.2s ease;
  font-family: var(--font-heading);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  white-space: nowrap;
}

.calculator-tab-btn:hover {
  color: var(--color-text-secondary);
  background: var(--color-bg-subtle);
}

.calculator-tab-btn.active {
  color: var(--color-primary);
  border-bottom-color: var(--color-primary);
  background: transparent;
}

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

.calculator-tab-panel {
  display: none;
  animation: fadeIn 0.3s ease;
}

.calculator-tab-panel.active {
  display: block;
}

@keyframes fadeIn {
  from {
    opacity: 0;
    transform: translateY(8px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

/* === Calculator Styles === */
.calculator-section {
  background: transparent;
  padding: 0;
  border-radius: 0;
  border: none;
}

.calculator-section > h2 {
  margin-bottom: 8px;
}

.calculator-section > p {
  color: var(--color-text-muted);
  margin-bottom: 32px;
  font-size: 14px;
}

.calculator-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-top: 32px;
}

.input-card,
.output-card {
  background: white;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition-normal), border-color var(--transition-normal);
}

.output-card {
  background: var(--color-bg-subtle);
  border-color: var(--color-border-strong);
}

.input-group {
  margin-bottom: 24px;
}

.input-group:last-of-type {
  margin-bottom: 0;
}

.input-group label {
  display: block;
  font-size: 12px;
  font-weight: var(--weight-semibold);
  color: var(--color-text-secondary);
  margin-bottom: 8px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.input-group input,
.input-group select {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--color-border-strong);
  border-radius: var(--radius-small);
  font-size: 16px;
  font-weight: var(--weight-medium);
  color: var(--color-text-primary);
  font-family: inherit;
  background: white;
  transition: all 0.2s ease;
}

.input-group input:hover,
.input-group select:hover {
  border-color: var(--color-primary);
}

.input-group input:focus,
.input-group select:focus {
  outline: none;
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px rgba(30, 58, 138, 0.08);
  background: #ffffff;
}

.input-group input[type="number"] {
  font-variant-numeric: tabular-nums;
}

.preset-buttons {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-top: 20px;
}

/* === Results Display === */
.result-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: 14px 0;
  border-bottom: 1px solid var(--color-border);
}

.result-row:first-child {
  padding-top: 0;
}

.result-row:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

.result-label {
  font-size: 12px;
  color: var(--color-text-muted);
  font-weight: var(--weight-medium);
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.result-value {
  font-size: 20px;
  font-weight: var(--weight-bold);
  color: var(--color-text-primary);
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.01em;
}

.result-value.highlight {
  color: var(--color-primary);
  font-size: 24px;
  font-weight: var(--weight-black);
}

.result-value.savings {
  color: var(--color-primary);
  font-weight: var(--weight-bold);
}

/* === Interest Ticker (Amber accent for cost) === */
.ticker-container {
  background: #fef3c7;
  border: 1.5px solid #fcd34d;
  border-radius: var(--radius-medium);
  padding: 24px;
  margin: 24px 0;
  text-align: center;
  box-shadow: 0 1px 2px rgba(252, 211, 77, 0.1);
}

.ticker-label {
  font-size: 11px;
  color: #92400e;
  font-weight: var(--weight-bold);
  margin-bottom: 12px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.ticker-value {
  font-size: 32px;
  font-weight: var(--weight-black);
  color: #d97706;
  font-variant-numeric: tabular-nums;
  font-family: 'Inter', monospace;
  letter-spacing: -0.02em;
}

@keyframes pulse {
  0%, 100% {
    opacity: 1;
  }
  50% {
    opacity: 0.7;
  }
}

.ticker-value.animating {
  animation: pulse 1s ease-in-out infinite;
}

.ticker-subtitle {
  font-size: 13px;
  color: #b45309;
  margin-top: 8px;
  font-weight: var(--weight-medium);
}

.time-lapse-buttons {
  display: flex;
  gap: 8px;
  justify-content: center;
  margin: 16px 0 20px 0;
  flex-wrap: wrap;
}

.time-btn {
  padding: 8px 16px;
  border: 1.5px solid var(--color-border-strong);
  background: white;
  color: var(--color-primary);
  border-radius: var(--radius-small);
  font-size: 12px;
  font-weight: var(--weight-semibold);
  cursor: pointer;
  transition: all 0.2s ease;
  font-family: inherit;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

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

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

.time-btn.active {
  background: var(--color-primary);
  color: white;
  border-color: var(--color-primary);
  box-shadow: 0 1px 3px rgba(30, 58, 138, 0.2);
}

/* === Comparison Display === */
.comparison {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-top: 24px;
}

#mortgage-savings {
  margin-top: 24px;
}

.comparison-col {
  padding: 18px;
  border-radius: var(--radius-medium);
  background: white;
  border: 1.5px solid var(--color-border);
  transition: all 0.2s ease;
}

.comparison-col:hover {
  border-color: var(--color-border-strong);
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.04);
}

.comparison-col.standard {
  /* Default styling */
}

.comparison-col.with-extra {
  border-color: var(--color-primary);
  background: var(--color-bg-subtle);
}

.comparison-title {
  font-size: 11px;
  font-weight: var(--weight-bold);
  text-transform: uppercase;
  color: var(--color-text-muted);
  margin-bottom: 14px;
  letter-spacing: 0.06em;
}

.comparison-col.with-extra .comparison-title {
  color: var(--color-primary);
}

/* === Latte Factor Summary === */
.latte-summary-grid {
  display: flex;
  gap: 12px;
  margin-bottom: 16px;
}

.latte-summary-card {
  flex: 0 0 auto;
  background: white;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-medium);
  padding: 12px 20px;
  text-align: center;
  min-width: 120px;
}

.latte-summary-label {
  font-size: 10px;
  font-weight: var(--weight-bold);
  color: var(--color-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 4px;
}

.latte-summary-value {
  font-size: 18px;
  font-weight: var(--weight-bold);
  color: var(--color-text-primary);
  font-variant-numeric: tabular-nums;
}

/* === Latte Factor Timeframes === */
.timeframe-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin-top: 16px;
}

.timeframe-card {
  background: white;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-medium);
  padding: 16px;
  text-align: center;
  transition: all 0.2s ease;
}

.timeframe-card:hover {
  border-color: var(--color-border-strong);
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);
}

.timeframe-card.highlight {
  border-color: var(--color-primary);
  background: var(--color-bg-subtle);
}

.timeframe-card .years {
  font-size: 11px;
  font-weight: var(--weight-bold);
  color: var(--color-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 8px;
}

.timeframe-card .amount {
  font-size: 16px;
  font-weight: var(--weight-bold);
  color: var(--color-text-primary);
  font-variant-numeric: tabular-nums;
}

.timeframe-card.highlight .amount {
  color: var(--color-primary);
  font-size: 18px;
}

.insight-card {
  background: #eff6ff;
  border: 1.5px solid #bfdbfe;
  border-radius: var(--radius-medium);
  padding: 16px 20px;
  margin-top: 20px;
  font-size: 14px;
  color: #1e40af;
  line-height: 1.6;
}

/* === Emergency Fund Styles === */
.coverage-tabs {
  display: flex;
  gap: 8px;
  margin-bottom: 24px;
}

.coverage-tab-btn {
  flex: 1;
  padding: 12px 16px;
  background: white;
  border: 1.5px solid var(--color-border-strong);
  border-radius: var(--radius-small);
  font-size: 13px;
  font-weight: var(--weight-semibold);
  color: var(--color-text-secondary);
  cursor: pointer;
  transition: all 0.2s ease;
  font-family: inherit;
  text-align: center;
}

.coverage-tab-btn:hover {
  border-color: var(--color-primary);
  color: var(--color-primary);
}

.coverage-tab-btn.active {
  background: var(--color-primary);
  color: white;
  border-color: var(--color-primary);
}

.coverage-tab-btn .months {
  display: block;
  font-size: 18px;
  font-weight: var(--weight-bold);
  margin-bottom: 4px;
}

.coverage-tab-btn .label {
  display: block;
  font-size: 10px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  opacity: 0.8;
}

/* Progress Bar */
.progress-container {
  background: white;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-medium);
  padding: 24px;
  margin-bottom: 24px;
}

.progress-header {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 16px;
}

.progress-header .status {
  font-size: 14px;
  font-weight: var(--weight-bold);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.progress-header .percentage {
  font-size: 28px;
  font-weight: var(--weight-black);
  font-variant-numeric: tabular-nums;
}

.progress-bar-track {
  height: 24px;
  background: var(--color-bg-subtle);
  border-radius: 12px;
  overflow: hidden;
  position: relative;
}

.progress-bar-fill {
  height: 100%;
  border-radius: 12px;
  transition: width 0.5s ease, background-color 0.3s ease;
  min-width: 0;
}

.progress-bar-fill.status-red {
  background: linear-gradient(90deg, #ef4444, #f87171);
}

.progress-bar-fill.status-yellow {
  background: linear-gradient(90deg, #f59e0b, #fbbf24);
}

.progress-bar-fill.status-green {
  background: linear-gradient(90deg, #10b981, #34d399);
}

.progress-amounts {
  display: flex;
  justify-content: space-between;
  margin-top: 12px;
  font-size: 12px;
  color: var(--color-text-muted);
}

.progress-amounts .current {
  font-weight: var(--weight-semibold);
  color: var(--color-text-secondary);
}

.progress-amounts .target {
  font-weight: var(--weight-semibold);
  color: var(--color-text-secondary);
}

/* Emergency Fund Results Grid */
.ef-results-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
  margin-bottom: 24px;
}

.ef-result-card {
  background: white;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-medium);
  padding: 20px;
}

.ef-result-card .label {
  font-size: 11px;
  font-weight: var(--weight-bold);
  color: var(--color-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 8px;
}

.ef-result-card .value {
  font-size: 22px;
  font-weight: var(--weight-bold);
  color: var(--color-text-primary);
  font-variant-numeric: tabular-nums;
}

.ef-result-card .subtext {
  font-size: 12px;
  color: var(--color-text-muted);
  margin-top: 4px;
}

.ef-result-card.timeline {
  background: #f5f3ff;
  border-color: #c4b5fd;
}

.ef-result-card.timeline .value {
  color: #7c3aed;
}

.ef-result-card.needed {
  background: #fef3c7;
  border-color: #fcd34d;
}

.ef-result-card.needed .value {
  color: #d97706;
}

.ef-result-card.complete {
  background: #d1fae5;
  border-color: #6ee7b7;
}

.ef-result-card.complete .value {
  color: #059669;
}

/* Emergency Fund Tips */
.ef-tips {
  background: #eff6ff;
  border: 1.5px solid #bfdbfe;
  border-radius: var(--radius-medium);
  padding: 20px;
  margin-top: 24px;
}

.ef-tips h4 {
  font-size: 12px;
  font-weight: var(--weight-bold);
  color: #1e40af;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin: 0 0 12px 0;
}

.ef-tips ul {
  margin: 0;
  padding: 0 0 0 20px;
  font-size: 13px;
  color: #1e40af;
  line-height: 1.7;
}

.ef-tips li {
  margin-bottom: 6px;
}

.ef-tips li:last-child {
  margin-bottom: 0;
}

/* Coverage Comparison */
.coverage-comparison {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin-top: 24px;
}

.coverage-comparison-card {
  background: white;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-medium);
  padding: 16px;
  text-align: center;
}

.coverage-comparison-card.active {
  border-color: var(--color-primary);
  background: var(--color-bg-subtle);
}

.coverage-comparison-card .months-label {
  font-size: 11px;
  font-weight: var(--weight-bold);
  color: var(--color-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 8px;
}

.coverage-comparison-card .target-amount {
  font-size: 16px;
  font-weight: var(--weight-bold);
  color: var(--color-text-primary);
  margin-bottom: 12px;
}

.coverage-comparison-card .mini-progress {
  height: 8px;
  background: var(--color-bg-subtle);
  border-radius: 4px;
  overflow: hidden;
}

.coverage-comparison-card .mini-progress-fill {
  height: 100%;
  border-radius: 4px;
  transition: width 0.3s ease;
}

/* === Explainer === */
.explainer {
  background: var(--color-bg-subtle);
  border-left: 3px solid var(--color-primary);
  padding: 18px 20px;
  border-radius: var(--radius-small);
  margin-top: 28px;
  font-size: 14px;
  color: var(--color-text-muted);
  line-height: 1.7;
}

.explainer strong {
  color: var(--color-text-secondary);
  font-weight: var(--weight-semibold);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  font-size: 12px;
}

/* === Tips Carousel === */
.tips-carousel-container {
  position: relative;
  margin-top: 32px;
  overflow: hidden;
  padding: 0 60px;
  width: 100%;
}

.tips-carousel {
  display: flex;
  flex-wrap: nowrap;
  transition: transform 0.5s cubic-bezier(0.25, 0.46, 0.45, 0.94);
  gap: 20px;
  will-change: transform;
}

.tip-card {
  background: white;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 32px;
  width: 100%;
  min-width: 100%;
  max-width: 100%;
  flex: 0 0 100%;
  box-sizing: border-box;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-normal);
}

.tip-card h3 {
  color: var(--color-text-primary);
  font-size: 14px;
  font-weight: var(--weight-bold);
  margin-bottom: 14px;
  letter-spacing: 0.06em;
}

.tip-card p {
  color: var(--color-text-muted);
  font-size: 14px;
  line-height: 1.7;
  margin: 0;
}

/* Carousel Navigation Buttons */
.carousel-btn {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  width: 44px;
  height: 44px;
  border-radius: var(--radius-small);
  background: white;
  border: 1.5px solid var(--color-border-strong);
  color: var(--color-text-secondary);
  font-size: 24px;
  font-weight: 300;
  cursor: pointer;
  transition: all 0.2s ease;
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 10;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
  line-height: 1;
  padding: 0;
}

.carousel-btn:hover {
  background: var(--color-primary);
  color: white;
  border-color: var(--color-primary);
  box-shadow: 0 4px 12px rgba(30, 58, 138, 0.2);
}

.carousel-btn:active {
  transform: translateY(-50%) scale(0.98);
}

.carousel-prev {
  left: 0;
}

.carousel-next {
  right: 0;
}

/* Carousel Progress Bar */
.carousel-progress {
  height: 3px;
  background: var(--color-border);
  border-radius: 2px;
  margin-top: 20px;
  overflow: hidden;
}

.carousel-progress-fill {
  height: 100%;
  background: var(--color-primary);
  border-radius: 2px;
  width: 0%;
  transition: width 0.1s linear;
}

/* Carousel Indicators */
.carousel-indicators {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-top: 28px;
}

.indicator {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: var(--color-border-strong);
  border: none;
  padding: 0;
  cursor: pointer;
  transition: all 0.3s ease;
}

.indicator:hover {
  background: var(--color-text-muted);
  transform: scale(1.2);
}

.indicator.active {
  background: var(--color-primary);
  width: 28px;
  border-radius: 5px;
}

/* === Ad Placeholders === */
.ad-placeholder {
  background: var(--color-bg-subtle);
  border: 1.5px dashed var(--color-border-strong);
  border-radius: var(--radius-medium);
  padding: 32px;
  text-align: center;
  color: var(--color-text-muted);
  min-height: 120px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
}

.ad-label {
  font-size: 10px;
  font-weight: var(--weight-bold);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--color-text-muted);
  margin-bottom: 8px;
}

.ad-placeholder p {
  margin: 0;
  font-size: 13px;
  color: var(--color-text-muted);
}

/* === Cards === */
.card {
  background: white;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-sm);
}

.mini {
  background: white;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-medium);
  padding: 20px;
}

/* === Modern Footer === */
.site-footer {
  background: #1e293b;
  color: #94a3b8;
  padding: 56px 24px 0;
  margin-top: 64px;
}

.footer-container {
  max-width: 1080px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 40px;
}

.footer-brand p {
  color: #94a3b8;
  font-size: 14px;
  line-height: 1.7;
  margin: 0;
}

.footer-brand .brand-name {
  color: #f1f5f9;
  font-size: 16px;
  font-weight: var(--weight-bold);
  display: block;
  margin-bottom: 12px;
}

.footer-col h4 {
  color: #f1f5f9;
  font-size: 12px;
  font-weight: var(--weight-bold);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin: 0 0 16px 0;
}

.footer-col ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.footer-col li {
  margin-bottom: 10px;
}

.footer-col a {
  color: #94a3b8;
  text-decoration: none;
  font-size: 14px;
  transition: color var(--transition-fast);
}

.footer-col a:hover {
  color: #f1f5f9;
}

.footer-bottom {
  border-top: 1px solid #334155;
  padding: 20px 0;
  text-align: center;
  font-size: 13px;
  color: #64748b;
  max-width: 1080px;
  margin: 0 auto;
}

/* Footer Mobile */
@media (max-width: 768px) {
  .footer-container {
    grid-template-columns: 1fr 1fr;
    gap: 32px;
  }

  .footer-brand {
    grid-column: 1 / -1;
  }
}

@media (max-width: 480px) {
  .site-footer {
    padding: 40px 16px 0;
  }

  .footer-container {
    grid-template-columns: 1fr;
    gap: 28px;
  }
}

/* Legacy footer (still in use on some pages during transition) */
.footer {
  color: var(--color-text-muted);
  font-size: 12px;
  text-align: center;
  margin-top: 32px;
  padding-top: 32px;
  border-top: 1px solid var(--color-border);
  line-height: 1.6;
}

/* === Utility Classes === */
.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;
}

.hidden {
  display: none;
}

.error-message {
  color: #dc2626;
  font-size: 12px;
  margin-top: 6px;
}

.success-message {
  color: var(--color-primary);
  font-size: 12px;
  margin-top: 6px;
}

/* === Responsive Design === */
@media (max-width: 768px) {
  /* Hero gradient mobile adjustments */
  #hero::after {
    top: -30%;
    right: -30%;
    width: 80%;
    height: 160%;
  }

  .tagline {
    font-size: 18px;
  }

  /* Header mobile */
  .header-container {
    padding: 12px 20px;
  }

  .logo {
    width: 56px;
    height: 56px;
  }

  .brand-name {
    font-size: 15px;
  }

  .header-nav {
    gap: 4px;
  }

  .nav-link {
    padding: 6px 10px;
    font-size: 12px;
  }

  .wrap {
    padding: 32px 20px;
    gap: 48px;
  }

  /* Adjust section backgrounds for mobile */
  #tips,
  #contact,
  .calculator-tabs-container {
    padding: 44px 0;
    margin-left: -20px;
    margin-right: -20px;
    padding-left: 20px;
    padding-right: 20px;
  }

  /* Tab navigation mobile */
  .calculator-tabs-nav {
    margin-bottom: 24px;
  }

  .calculator-tab-btn {
    padding: 12px 16px;
    font-size: 11px;
    min-width: 100px;
  }

  /* Latte summary mobile */
  .latte-summary-grid {
    gap: 10px;
  }

  .latte-summary-card {
    padding: 10px 16px;
    min-width: 100px;
  }

  .latte-summary-value {
    font-size: 16px;
  }

  /* Timeframe grid mobile */
  .timeframe-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .timeframe-card .amount {
    font-size: 14px;
  }

  .timeframe-card.highlight .amount {
    font-size: 15px;
  }

  /* Coverage tabs mobile */
  .coverage-tabs {
    flex-direction: column;
  }

  /* Emergency Fund results mobile */
  .ef-results-grid {
    grid-template-columns: 1fr;
  }

  /* Coverage comparison mobile */
  .coverage-comparison {
    grid-template-columns: 1fr;
  }

  .card {
    padding: 28px 24px;
  }

  .hero-content h1 {
    font-size: 28px;
  }

  .tagline {
    font-size: 18px;
  }

  h2 {
    font-size: 16px;
  }

  .page-title {
    font-size: 28px;
  }

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

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

  .tips-carousel-container {
    padding: 0 50px;
    width: 100%;
    max-width: 100%;
  }

  .tips-carousel {
    display: flex;
    flex-wrap: nowrap;
  }

  .carousel-btn {
    width: 38px;
    height: 38px;
    font-size: 20px;
  }

  .tip-card {
    padding: 24px;
    width: 100%;
    min-width: 100%;
    max-width: 100%;
    flex: 0 0 100%;
  }

  .tip-card h3 {
    font-size: 13px;
  }

  .tip-card p {
    font-size: 13px;
  }

  .cta-buttons {
    flex-direction: column;
  }

  .cta-buttons .btn {
    width: 100%;
  }

  .ticker-value {
    font-size: 28px;
  }
}

@media (max-width: 480px) {
  /* Header small mobile */
  .header-container {
    padding: 10px 16px;
    gap: 8px;
  }

  .wrap {
    padding: 24px 16px;
    gap: 40px;
  }

  /* Adjust section backgrounds for small mobile */
  #tips,
  #contact,
  .calculator-tabs-container {
    padding: 40px 0;
    margin-left: -16px;
    margin-right: -16px;
    padding-left: 16px;
    padding-right: 16px;
  }

  /* Tab navigation small mobile */
  .calculator-tab-btn {
    padding: 10px 12px;
    font-size: 10px;
    min-width: 80px;
  }

  /* Latte summary small mobile */
  .latte-summary-card {
    padding: 8px 12px;
    min-width: 90px;
  }

  .latte-summary-value {
    font-size: 15px;
  }

  /* Timeframe grid small mobile */
  .timeframe-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 8px;
  }

  .timeframe-card {
    padding: 12px;
  }

  .timeframe-card .years {
    font-size: 10px;
  }

  .timeframe-card .amount {
    font-size: 13px;
  }

  /* Progress bar small mobile */
  .progress-header .percentage {
    font-size: 24px;
  }

  .progress-bar-track {
    height: 20px;
  }

  .card {
    padding: 24px 20px;
  }

  h1 {
    font-size: 20px;
  }

  h2 {
    font-size: 15px;
  }

  .page-title {
    font-size: 24px;
  }

  .hero-content h1 {
    font-size: 24px;
  }

  .tagline {
    font-size: 17px;
  }

  .result-value {
    font-size: 18px;
  }

  .result-value.highlight {
    font-size: 22px;
  }

  .ticker-value {
    font-size: 24px;
  }

  .tips-carousel-container {
    padding: 0 40px;
    width: 100%;
    max-width: 100%;
    overflow: hidden;
  }

  .tips-carousel {
    display: flex;
    flex-wrap: nowrap;
    width: 100%;
  }

  .carousel-btn {
    width: 32px;
    height: 32px;
    font-size: 18px;
    background: rgba(255, 255, 255, 0.98);
    box-shadow: 0 2px 6px rgba(0, 0, 0, 0.12);
  }

  .carousel-prev {
    left: 4px;
  }

  .carousel-next {
    right: 4px;
  }

  .tip-card {
    padding: 20px;
    width: 100%;
    min-width: 100%;
    max-width: 100%;
    flex: 0 0 100%;
    box-sizing: border-box;
  }

  .tip-card h3 {
    font-size: 12px;
  }
}

/* === Smooth Scrolling === */
html {
  scroll-behavior: smooth;
}

/* === Focus Styles for Accessibility === */
button:focus-visible,
input:focus-visible,
select:focus-visible,
a:focus-visible {
  outline: 2px solid var(--color-primary);
  outline-offset: 2px;
}

/* Remove default focus outline */
button:focus:not(:focus-visible),
input:focus:not(:focus-visible),
select:focus:not(:focus-visible),
a:focus:not(:focus-visible) {
  outline: none;
}

/* === Country Selector === */
.country-selector {
  position: relative;
  margin-left: 8px;
}

.country-selector-btn {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 8px 12px;
  background: white;
  border: 1.5px solid var(--color-border-strong);
  border-radius: var(--radius-small);
  font-size: 13px;
  font-weight: var(--weight-medium);
  color: var(--color-text-secondary);
  cursor: pointer;
  transition: all 0.2s ease;
  font-family: var(--font-body);
}

.country-selector-btn:hover {
  border-color: var(--color-primary);
  color: var(--color-primary);
}

.country-selector.open .country-selector-btn {
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px rgba(30, 58, 138, 0.08);
}

.country-selector-btn .country-flag {
  font-size: 16px;
  line-height: 1;
}

.country-selector-btn .country-code {
  font-weight: var(--weight-semibold);
  letter-spacing: 0.02em;
}

.country-selector-btn .dropdown-arrow {
  font-size: 8px;
  color: var(--color-text-muted);
  transition: transform 0.2s ease;
}

.country-selector.open .dropdown-arrow {
  transform: rotate(180deg);
}

/* Country Dropdown */
.country-dropdown {
  position: absolute;
  top: calc(100% + 4px);
  right: 0;
  min-width: 180px;
  background: white;
  border: 1.5px solid var(--color-border-strong);
  border-radius: var(--radius-medium);
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1);
  opacity: 0;
  visibility: hidden;
  transform: translateY(-8px);
  transition: all 0.2s ease;
  z-index: 200;
  overflow: hidden;
}

.country-dropdown.open {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.country-option {
  display: flex;
  align-items: center;
  gap: 10px;
  width: 100%;
  padding: 12px 16px;
  background: none;
  border: none;
  font-size: 14px;
  font-weight: var(--weight-medium);
  color: var(--color-text-secondary);
  cursor: pointer;
  transition: all 0.15s ease;
  text-align: left;
  font-family: var(--font-body);
}

.country-option:hover {
  background: var(--color-bg-subtle);
  color: var(--color-primary);
}

.country-option.active {
  background: var(--color-bg-subtle);
  color: var(--color-primary);
}

.country-option .country-flag {
  font-size: 18px;
  line-height: 1;
}

.country-option .country-name {
  flex: 1;
}

.country-option .country-currency {
  font-size: 12px;
  font-weight: var(--weight-semibold);
  color: var(--color-text-muted);
  letter-spacing: 0.02em;
}

.country-option.active .country-currency {
  color: var(--color-primary);
}

/* Country Selector Mobile */
@media (max-width: 768px) {
  .country-selector {
    margin-left: 4px;
  }

  .country-selector-btn {
    padding: 6px 10px;
    font-size: 12px;
  }

  .country-selector-btn .country-flag {
    font-size: 14px;
  }

  .country-selector-btn .country-code {
    display: none;
  }

  .country-dropdown {
    min-width: 160px;
  }

  .country-option {
    padding: 10px 14px;
    font-size: 13px;
  }
}

@media (max-width: 480px) {
  .country-selector-btn {
    padding: 6px 8px;
  }

  .country-selector-btn .dropdown-arrow {
    display: none;
  }

  .country-dropdown {
    right: -8px;
    min-width: 150px;
  }
}

/* Extra small phones */
@media (max-width: 360px) {
  .header-container {
    padding: 8px 12px;
    gap: 6px;
  }

  .logo {
    width: 36px;
    height: 36px;
  }

  .nav-link {
    padding: 5px 5px;
    font-size: 10px;
  }

  .country-selector {
    margin-left: 2px;
  }

  .country-selector-btn {
    padding: 5px 6px;
  }

  .country-dropdown {
    right: -12px;
    min-width: 140px;
  }
}

/* === Mobile Header Adjustments === */
@media (max-width: 480px) {
  /* Hide FAQ, Glossary, and Contact links on mobile to save space */
  .header-nav .nav-link[href="/faq.html"],
  .header-nav .nav-link[href="/glossary.html"],
  .header-nav .nav-link[href="/contact.html"] {
    display: none;
  }

  .header-nav {
    gap: 2px;
  }

  .header-nav .nav-link {
    padding: 6px 8px;
    font-size: 11px;
  }

  .header-nav .country-selector {
    margin-left: 2px;
  }

  .brand-name {
    display: block;
    font-size: 13px;
  }

  .logo {
    width: 40px;
    height: 40px;
  }
}

/* === Glossary Styles === */
.glossary-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  padding: 16px 20px;
  background: var(--color-bg-subtle);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-medium);
  margin-bottom: 40px;
  justify-content: center;
}

.glossary-letter {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  font-size: 14px;
  font-weight: var(--weight-bold);
  color: var(--color-primary);
  text-decoration: none;
  border-radius: var(--radius-small);
  transition: all 0.2s ease;
  letter-spacing: 0.02em;
}

.glossary-letter:hover {
  background: var(--color-primary);
  color: white;
}

.glossary-section {
  margin-bottom: 48px;
}

.glossary-section-letter {
  font-size: 36px;
  font-weight: var(--weight-black);
  color: var(--color-primary);
  padding-bottom: 12px;
  border-bottom: 2px solid var(--color-border);
  margin-bottom: 24px;
  letter-spacing: 0.02em;
}

.glossary-term {
  background: var(--color-bg-subtle);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-medium);
  padding: 24px 28px;
  margin-bottom: 16px;
}

.glossary-term h3 {
  font-size: 16px;
  color: var(--color-text-primary);
  text-transform: none;
  letter-spacing: normal;
  margin-bottom: 12px;
}

.glossary-term p {
  font-size: 14px;
  line-height: 1.7;
}

.glossary-related {
  font-size: 13px;
  color: var(--color-text-muted);
  margin-bottom: 0;
  padding-top: 12px;
  border-top: 1px solid var(--color-border);
}

.glossary-related a {
  color: #10b981;
  text-decoration: none;
  font-weight: var(--weight-medium);
}

.glossary-related a:hover {
  text-decoration: underline;
}

/* Glossary Mobile */
@media (max-width: 768px) {
  .glossary-nav {
    gap: 4px;
    padding: 12px 16px;
  }

  .glossary-letter {
    width: 32px;
    height: 32px;
    font-size: 13px;
  }

  .glossary-section-letter {
    font-size: 28px;
  }

  .glossary-term {
    padding: 20px;
  }

  .glossary-term h3 {
    font-size: 15px;
  }
}

@media (max-width: 480px) {
  .glossary-nav {
    gap: 3px;
    padding: 10px 12px;
  }

  .glossary-letter {
    width: 28px;
    height: 28px;
    font-size: 12px;
  }

  .glossary-section {
    margin-bottom: 36px;
  }

  .glossary-section-letter {
    font-size: 24px;
  }

  .glossary-term {
    padding: 16px;
  }

  .glossary-term h3 {
    font-size: 14px;
  }

  .glossary-term p {
    font-size: 13px;
  }
}

/* === Blog Styles === */
.article-meta {
  font-size: 13px;
  color: var(--color-text-muted);
  margin-bottom: 32px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--color-border);
}

.blog-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  margin-top: 24px;
}

.blog-card {
  background: white;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 28px;
  transition: all var(--transition-normal);
  text-decoration: none;
  color: inherit;
  display: block;
  box-shadow: var(--shadow-sm);
}

.blog-card:hover {
  border-color: var(--color-primary);
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}

.blog-card h3 {
  font-size: 15px;
  color: var(--color-text-primary);
  text-transform: none;
  letter-spacing: normal;
  margin-bottom: 8px;
  line-height: 1.4;
}

.blog-card p {
  font-size: 13px;
  line-height: 1.6;
  margin: 0;
}

.blog-card .article-meta {
  margin-bottom: 12px;
  padding-bottom: 0;
  border-bottom: none;
  font-size: 12px;
}

.category-tag {
  display: inline-block;
  padding: 5px 14px;
  font-size: 11px;
  font-weight: var(--weight-bold);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  border-radius: 20px;
  margin-bottom: 12px;
}

.category-tag.mortgage { background: #dbeafe; color: #1e40af; }
.category-tag.savings { background: #d1fae5; color: #065f46; }
.category-tag.budgeting { background: #fef3c7; color: #92400e; }
.category-tag.emergency { background: #ede9fe; color: #5b21b6; }
.category-tag.latte { background: #ffe4e6; color: #9f1239; }


.callout-box {
  background: #eff6ff;
  border: 1.5px solid #bfdbfe;
  border-radius: var(--radius-medium);
  padding: 20px 24px;
  margin: 24px 0;
  font-size: 14px;
  line-height: 1.7;
  color: #1e40af;
}

.callout-box strong {
  display: block;
  margin-bottom: 6px;
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

/* Table of Contents */
.toc {
  background: var(--color-bg-subtle);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-medium);
  padding: 20px 24px 20px 24px;
  margin: 24px 0 32px 0;
}

.toc h2 {
  font-size: 14px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin: 0 0 12px 0;
  color: var(--color-text-secondary);
}

.toc ol {
  margin: 0;
  padding-left: 20px;
}

.toc li {
  margin-bottom: 6px;
  font-size: 14px;
  line-height: 1.6;
}

.toc a {
  color: var(--color-primary);
  text-decoration: none;
}

.toc a:hover {
  text-decoration: underline;
  color: var(--color-primary-hover);
}

.related-posts {
  margin-top: 48px;
  padding-top: 32px;
  border-top: 1px solid var(--color-border);
}

.related-posts h3 {
  font-size: 13px;
  color: var(--color-text-secondary);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 20px;
}

.related-posts ul {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.related-posts li {
  margin: 0;
}

.related-posts a {
  display: block;
  padding: 14px 18px;
  background: var(--color-bg-subtle);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-medium);
  color: var(--color-primary);
  text-decoration: none;
  font-size: 14px;
  font-weight: var(--weight-medium);
  transition: all var(--transition-fast);
}

.related-posts a:hover {
  border-color: var(--color-primary);
  box-shadow: var(--shadow-sm);
  transform: translateX(4px);
  text-decoration: none;
}

.blog-category-section {
  margin-bottom: 48px;
}

.blog-category-section h2 {
  margin-bottom: 20px;
}

/* Blog article body styles */
.card:has(.article-body) {
  max-width: 820px;
  margin-left: auto;
  margin-right: auto;
}

.article-body {
  max-width: 720px;
  margin-left: auto;
  margin-right: auto;
}

.article-body h2 {
  font-size: 22px;
  margin-top: 40px;
  margin-bottom: 16px;
  text-transform: none;
  letter-spacing: -0.01em;
  color: var(--color-primary-dark);
  padding-left: 16px;
  border-left: 4px solid var(--color-primary);
  line-height: 1.3;
}

.article-body h3 {
  font-size: 16px;
  margin-top: 32px;
  margin-bottom: 12px;
  text-transform: none;
  letter-spacing: normal;
  color: var(--color-text-primary);
}

.article-body p {
  font-size: 16px;
  line-height: 1.8;
  margin-bottom: 18px;
}

.article-body ul,
.article-body ol {
  margin: 0 0 20px 24px;
  line-height: 1.8;
  color: var(--color-text-secondary);
  font-size: 15px;
}

.article-body li {
  margin-bottom: 6px;
}

.article-body a {
  color: #10b981;
  text-decoration: none;
  font-weight: var(--weight-medium);
}

.article-body a:hover {
  text-decoration: underline;
}

.article-hero-image {
  max-width: 100%;
  height: auto;
  border-radius: 8px;
  margin: 24px 0;
  border: 1px solid var(--color-border);
  display: block;
}

/* Blog Mobile */
@media (max-width: 768px) {
  .blog-grid {
    grid-template-columns: 1fr;
  }

  .blog-card {
    padding: 20px;
  }

  .article-body h2 {
    font-size: 16px;
  }
}

@media (max-width: 480px) {
  .blog-card {
    padding: 16px;
  }

  .blog-card h3 {
    font-size: 14px;
  }

  .article-body p {
    font-size: 14px;
  }

  .article-body ul,
  .article-body ol {
    font-size: 14px;
    margin-left: 20px;
  }
}

/* === Scroll Animation Utilities === */
.fade-in {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}

.fade-in:nth-child(2) { transition-delay: 0.1s; }
.fade-in:nth-child(3) { transition-delay: 0.2s; }
.fade-in:nth-child(4) { transition-delay: 0.3s; }

/* === Full-Width Hero Section === */
.hero-section {
  position: relative;
  overflow: hidden;
  background: linear-gradient(135deg, #f8fafc 0%, #eff6ff 40%, #f0f9ff 70%, #faf5ff 100%);
  padding: 80px 24px 64px;
  text-align: center;
}

.hero-section::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg,
    #f97316 0%,
    #fb923c 25%,
    #ec4899 50%,
    #8b5cf6 75%,
    #3b82f6 100%
  );
}

.hero-section::after {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 60%;
  height: 200%;
  background: radial-gradient(ellipse at center,
    rgba(251, 146, 60, 0.06) 0%,
    rgba(236, 72, 153, 0.04) 40%,
    transparent 70%
  );
  pointer-events: none;
}

.hero-inner {
  max-width: 1080px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}

.hero-section .tagline {
  font-size: 32px;
  margin-bottom: 20px;
  font-weight: var(--weight-black);
  letter-spacing: -0.01em;
  line-height: 1.2;
  background: linear-gradient(135deg, #1e3a8a 0%, #7c3aed 50%, #ec4899 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-section .value-prop {
  color: var(--color-text-muted);
  font-size: 18px;
  max-width: 660px;
  margin: 0 auto 48px auto;
  line-height: 1.7;
}

.hero-section .cta-buttons {
  display: flex;
  gap: 24px;
  justify-content: center;
  flex-wrap: wrap;
  margin: 0 0 56px 0;
}

.cta-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
}

.cta-question {
  font-size: 13px;
  color: var(--color-text-secondary);
  font-style: italic;
  letter-spacing: 0.01em;
}

.hero-section .btn-primary {
  background: linear-gradient(135deg, #1e3a8a 0%, #3b82f6 100%);
  border: none;
  box-shadow: 0 4px 16px rgba(30, 58, 138, 0.3);
  padding: 16px 36px;
  font-size: 14px;
  border-radius: var(--radius-lg);
}

.hero-section .btn-primary:hover {
  background: linear-gradient(135deg, #1e40af 0%, #60a5fa 100%);
  box-shadow: 0 6px 24px rgba(30, 58, 138, 0.4);
  transform: translateY(-2px);
}

.hero-section .btn-secondary {
  padding: 16px 36px;
  font-size: 14px;
  border-radius: var(--radius-lg);
  border-width: 2px;
}

/* === Features/Benefits Section === */
.features-section {
  padding: 80px 24px;
  background: var(--color-bg-primary);
}

.features-inner {
  max-width: 1080px;
  margin: 0 auto;
  text-align: center;
}

.features-section .section-title {
  font-size: 22px;
  font-weight: var(--weight-black);
  color: var(--color-text-primary);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 12px;
}

.features-section .section-subtitle {
  color: var(--color-text-muted);
  font-size: 16px;
  max-width: 560px;
  margin: 0 auto 48px auto;
  line-height: 1.7;
}

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

.feature-card {
  background: var(--color-bg-primary);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  text-align: center;
  transition: all var(--transition-normal);
  cursor: pointer;
  text-decoration: none;
  color: inherit;
  display: block;
}

.feature-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--color-primary);
}

.feature-card-icon {
  width: 56px;
  height: 56px;
  margin: 0 auto 20px;
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
}

.feature-card-icon svg {
  width: 28px;
  height: 28px;
}

.feature-card-icon.mortgage-icon {
  background: rgba(59, 130, 246, 0.1);
  color: #3b82f6;
}

.feature-card-icon.latte-icon {
  background: rgba(236, 72, 153, 0.1);
  color: #ec4899;
}

.feature-card-icon.emergency-icon {
  background: rgba(16, 185, 129, 0.1);
  color: #10b981;
}

.feature-card h3 {
  font-size: 15px;
  color: var(--color-text-primary);
  text-transform: none;
  letter-spacing: 0.02em;
  margin-bottom: 8px;
}

.feature-card p {
  font-size: 14px;
  color: var(--color-text-muted);
  margin: 0;
  line-height: 1.6;
}

/* Features Mobile */
@media (max-width: 768px) {
  .hero-section {
    padding: 56px 20px 48px;
  }

  .hero-section .tagline {
    font-size: 26px;
  }

  .hero-section .value-prop {
    font-size: 16px;
    margin-bottom: 36px;
  }

  .hero-section .cta-buttons {
    flex-direction: column;
    margin-bottom: 40px;
  }

  .hero-section .cta-item {
    width: 100%;
  }

  .hero-section .cta-buttons .btn {
    width: 100%;
  }

  .features-section {
    padding: 56px 20px;
  }

  .features-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .feature-card {
    padding: 28px 24px;
  }

  .features-section .section-title {
    font-size: 18px;
  }
}

@media (max-width: 480px) {
  .hero-section {
    padding: 44px 16px 40px;
  }

  .hero-section .tagline {
    font-size: 22px;
  }

  .hero-section .value-prop {
    font-size: 15px;
  }

  .hero-section .btn-primary,
  .hero-section .btn-secondary {
    padding: 14px 28px;
    font-size: 13px;
  }

  .features-section {
    padding: 44px 16px;
  }

  .features-section .section-title {
    font-size: 16px;
  }
}

/* ==========================================
   DARK MODE
   ========================================== */

/* === Smooth Transitions for Theme Switch === */
body,
.site-header,
.card,
.mini,
.input-card,
.output-card,
.comparison-col,
.timeframe-card,
.latte-summary-card,
.coverage-tab-btn,
.tip-card,
.blog-card,
.progress-container,
.carousel-btn,
.country-selector-btn,
.country-dropdown,
.country-option,
.glossary-nav,
.glossary-term,
.ticker-container,
.callout-box,
.insight-card,
.ef-tips,
.ef-result-card,
.explainer,
.disclaimer,
.ad-placeholder,
.calculator-tabs-container,
.calculator-tab-btn,
.time-btn,
.coverage-comparison-card,
.nav-link,
.footer,
.site-footer,
.feature-card,
.input-group input,
.input-group select,
.form input[type="email"] {
  transition: background-color 0.3s ease, color 0.3s ease, border-color 0.3s ease;
}

/* === EF Status CSS Classes (replaces inline JS colors) === */
.ef-status-green { color: #059669; }
.ef-status-yellow { color: #d97706; }
.ef-status-red { color: #dc2626; }

/* === Theme Toggle Button === */
.theme-toggle {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  border: 1.5px solid var(--color-border-strong);
  background: var(--color-bg-primary);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 0;
  transition: all 0.2s ease;
  color: var(--color-text-muted);
  flex-shrink: 0;
}

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

.theme-toggle svg {
  width: 18px;
  height: 18px;
  transition: transform 0.3s ease;
}

.theme-toggle:hover svg {
  transform: rotate(15deg);
}

.theme-toggle .icon-sun { display: none; }
.theme-toggle .icon-moon { display: block; }

[data-theme="dark"] .theme-toggle .icon-sun { display: block; }
[data-theme="dark"] .theme-toggle .icon-moon { display: none; }

@media (max-width: 768px) {
  .theme-toggle {
    width: 30px;
    height: 30px;
  }

  .theme-toggle svg {
    width: 15px;
    height: 15px;
  }
}

/* === Dark Theme Custom Properties === */
[data-theme="dark"] {
  --color-bg-primary: #1a1a2e;
  --color-bg-secondary: #1f1f35;
  --color-bg-subtle: #252540;

  --color-text-primary: #f1f5f9;
  --color-text-secondary: #cbd5e1;
  --color-text-muted: #94a3b8;

  --color-primary: #60a5fa;
  --color-primary-hover: #93c5fd;
  --color-primary-dark: #e2e8f0;

  --color-charcoal: #e2e8f0;
  --color-black: #f8fafc;

  --color-border: #2d2d4a;
  --color-border-strong: #3b3b5c;
}

/* === Dark Background Overrides === */
[data-theme="dark"] body {
  background: #1a1a2e;
}

[data-theme="dark"] .site-header {
  background: rgba(26, 26, 46, 0.85);
  box-shadow: none;
}

[data-theme="dark"] .site-header.scrolled {
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.3);
}

/* Cards & surfaces → #222238 */
[data-theme="dark"] .card,
[data-theme="dark"] .mini,
[data-theme="dark"] .input-card,
[data-theme="dark"] .comparison-col,
[data-theme="dark"] .timeframe-card,
[data-theme="dark"] .latte-summary-card,
[data-theme="dark"] .coverage-tab-btn,
[data-theme="dark"] .tip-card,
[data-theme="dark"] .blog-card,
[data-theme="dark"] .progress-container,
[data-theme="dark"] .carousel-btn,
[data-theme="dark"] .country-selector-btn,
[data-theme="dark"] .country-dropdown,
[data-theme="dark"] .coverage-comparison-card,
[data-theme="dark"] .glossary-term,
[data-theme="dark"] .ef-result-card,
[data-theme="dark"] .time-btn {
  background: #222238;
}

[data-theme="dark"] .output-card {
  background: #252540;
}

/* Country dropdown option hover */
[data-theme="dark"] .country-option:hover,
[data-theme="dark"] .country-option.active {
  background: #252540;
}

/* === Hero Section Dark === */
[data-theme="dark"] #hero {
  background: linear-gradient(135deg, #1a1a2e 0%, #1f1f35 50%, #222238 100%);
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.3);
}

[data-theme="dark"] #hero .btn-primary {
  background: linear-gradient(135deg, #2563eb 0%, #60a5fa 100%);
}

[data-theme="dark"] #hero .btn-primary:hover {
  background: linear-gradient(135deg, #3b82f6 0%, #93c5fd 100%);
}

/* === Button Overrides === */
[data-theme="dark"] .btn-secondary {
  background: #222238;
  color: var(--color-primary);
  border-color: var(--color-primary);
}

[data-theme="dark"] .btn-secondary:hover {
  background: #252540;
}

/* === Calculator Tabs Container === */
[data-theme="dark"] .calculator-tabs-container {
  background: #1f1f35;
}

[data-theme="dark"] .calculator-tab-btn:hover {
  background: #252540;
}

/* === Form Inputs === */
[data-theme="dark"] .input-group input,
[data-theme="dark"] .input-group select {
  background: #1a1a2e;
  color: var(--color-text-primary);
  border-color: var(--color-border-strong);
}

[data-theme="dark"] .input-group input:focus,
[data-theme="dark"] .input-group select:focus {
  background: #1f1f35;
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px rgba(96, 165, 250, 0.15);
}

[data-theme="dark"] .form input[type="email"] {
  background: #1a1a2e;
  color: var(--color-text-primary);
  border-color: var(--color-border-strong);
}

[data-theme="dark"] .form input[type="email"]:focus {
  background: #1f1f35;
  box-shadow: 0 0 0 3px rgba(96, 165, 250, 0.15);
}

/* === Ticker (Amber Accent) — Transparent Wash === */
[data-theme="dark"] .ticker-container {
  background: rgba(251, 191, 36, 0.08);
  border-color: rgba(251, 191, 36, 0.25);
  box-shadow: none;
}

[data-theme="dark"] .ticker-label {
  color: #fbbf24;
}

[data-theme="dark"] .ticker-value {
  color: #fbbf24;
}

[data-theme="dark"] .ticker-subtitle {
  color: rgba(251, 191, 36, 0.7);
}

/* === Callout Box / Insight Card / EF Tips (Blue Accent) — Transparent Wash === */
[data-theme="dark"] .callout-box,
[data-theme="dark"] .insight-card,
[data-theme="dark"] .ef-tips {
  background: rgba(96, 165, 250, 0.08);
  border-color: rgba(96, 165, 250, 0.25);
}

[data-theme="dark"] .callout-box,
[data-theme="dark"] .insight-card {
  color: #93c5fd;
}

[data-theme="dark"] .toc {
  background: rgba(96, 165, 250, 0.06);
  border-color: rgba(96, 165, 250, 0.2);
}

[data-theme="dark"] .toc h2 {
  color: #93c5fd;
}

[data-theme="dark"] .toc a {
  color: #60a5fa;
}

[data-theme="dark"] .ef-tips h4 {
  color: #93c5fd;
}

[data-theme="dark"] .ef-tips ul {
  color: #93c5fd;
}

/* === EF Result Cards — Transparent Washes === */
/* Timeline (Purple) */
[data-theme="dark"] .ef-result-card.timeline {
  background: rgba(167, 139, 250, 0.08);
  border-color: rgba(167, 139, 250, 0.25);
}

[data-theme="dark"] .ef-result-card.timeline .value {
  color: #a78bfa;
}

/* Needed (Amber) */
[data-theme="dark"] .ef-result-card.needed {
  background: rgba(251, 191, 36, 0.08);
  border-color: rgba(251, 191, 36, 0.25);
}

[data-theme="dark"] .ef-result-card.needed .value {
  color: #fbbf24;
}

/* Complete (Green) */
[data-theme="dark"] .ef-result-card.complete {
  background: rgba(52, 211, 153, 0.08);
  border-color: rgba(52, 211, 153, 0.25);
}

[data-theme="dark"] .ef-result-card.complete .value {
  color: #34d399;
}

/* === EF Status Classes Dark === */
[data-theme="dark"] .ef-status-green { color: #34d399; }
[data-theme="dark"] .ef-status-yellow { color: #fbbf24; }
[data-theme="dark"] .ef-status-red { color: #f87171; }

/* === Progress Bar Dark === */
[data-theme="dark"] .progress-bar-track {
  background: #252540;
}

/* === Category Tags — Transparent Washes === */
[data-theme="dark"] .category-tag.mortgage {
  background: rgba(96, 165, 250, 0.12);
  color: #93c5fd;
}

[data-theme="dark"] .category-tag.savings {
  background: rgba(52, 211, 153, 0.12);
  color: #6ee7b7;
}

[data-theme="dark"] .category-tag.budgeting {
  background: rgba(251, 191, 36, 0.12);
  color: #fbbf24;
}

[data-theme="dark"] .category-tag.emergency {
  background: rgba(167, 139, 250, 0.12);
  color: #c4b5fd;
}

[data-theme="dark"] .category-tag.latte {
  background: rgba(251, 113, 133, 0.12);
  color: #fda4af;
}

/* === Explainer Dark === */
[data-theme="dark"] .explainer {
  background: #222238;
  border-left-color: var(--color-primary);
}

/* === Disclaimer Dark === */
[data-theme="dark"] .disclaimer {
  background: rgba(34, 34, 56, 0.9);
}

/* === Ad Placeholder Dark === */
[data-theme="dark"] .ad-placeholder {
  background: #222238;
  border-color: var(--color-border-strong);
}

/* === Tips Section Dark === */
[data-theme="dark"] #tips {
  background: linear-gradient(135deg, #1a1a2e 0%, #1f1f35 50%, #222238 100%);
}

/* === Contact Section Dark === */
[data-theme="dark"] #contact {
  background: #222238;
}

/* === Glossary Dark === */
[data-theme="dark"] .glossary-nav {
  background: #222238;
}

/* === Comparison Column Highlight Dark === */
[data-theme="dark"] .comparison-col.with-extra {
  background: #252540;
  border-color: var(--color-primary);
}

/* === Timeframe Highlight Dark === */
[data-theme="dark"] .timeframe-card.highlight {
  background: #252540;
  border-color: var(--color-primary);
}

/* === Coverage Comparison Active Dark === */
[data-theme="dark"] .coverage-comparison-card.active {
  background: #252540;
  border-color: var(--color-primary);
}

/* === Coverage Tab Active Dark === */
[data-theme="dark"] .coverage-tab-btn.active {
  background: var(--color-primary);
  color: white;
  border-color: var(--color-primary);
}

/* === Time Button Active Dark === */
[data-theme="dark"] .time-btn.active {
  background: var(--color-primary);
  color: white;
  border-color: var(--color-primary);
}

/* === Carousel Button Dark === */
[data-theme="dark"] .carousel-btn:hover {
  background: var(--color-primary);
  color: white;
}

/* === Blog Card Hover Dark === */
[data-theme="dark"] .blog-card:hover {
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.3);
}

/* === Tagline Gradient Dark === */
[data-theme="dark"] .tagline {
  background: linear-gradient(135deg, #60a5fa 0%, #a78bfa 50%, #f472b6 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* === Hero Gradient Overlay Dark === */
[data-theme="dark"] #hero::after {
  background: radial-gradient(ellipse at center,
    rgba(251, 146, 60, 0.04) 0%,
    rgba(236, 72, 153, 0.03) 40%,
    transparent 70%
  );
}

/* === Carousel Button Small Mobile Dark === */
@media (max-width: 480px) {
  [data-theme="dark"] .carousel-btn {
    background: rgba(34, 34, 56, 0.98);
  }
}

/* === Article Hero Image Dark === */
[data-theme="dark"] .article-hero-image {
  border-color: rgba(255, 255, 255, 0.1);
}

/* === Article Body Links Dark === */
[data-theme="dark"] .article-body a {
  color: #34d399;
}

/* === Glossary Related Links Dark === */
[data-theme="dark"] .glossary-related a {
  color: #34d399;
}

/* === Select Dropdown Arrow Dark === */
[data-theme="dark"] .input-group select {
  color-scheme: dark;
}

/* === Hero Section Dark (Full-Width) === */
[data-theme="dark"] .hero-section {
  background: linear-gradient(135deg, #1a1a2e 0%, #1f1f35 40%, #222238 70%, #1f1f35 100%);
}

[data-theme="dark"] .hero-section::after {
  background: radial-gradient(ellipse at center,
    rgba(251, 146, 60, 0.04) 0%,
    rgba(236, 72, 153, 0.03) 40%,
    transparent 70%
  );
}

[data-theme="dark"] .hero-section .btn-primary {
  background: linear-gradient(135deg, #2563eb 0%, #60a5fa 100%);
}

[data-theme="dark"] .hero-section .btn-primary:hover {
  background: linear-gradient(135deg, #3b82f6 0%, #93c5fd 100%);
}

[data-theme="dark"] .hero-section .btn-secondary {
  background: #222238;
  color: var(--color-primary);
  border-color: var(--color-primary);
}

[data-theme="dark"] .hero-section .btn-secondary:hover {
  background: #252540;
}

/* === Features Section Dark === */
[data-theme="dark"] .features-section {
  background: #1a1a2e;
}

[data-theme="dark"] .feature-card {
  background: #222238;
}

[data-theme="dark"] .feature-card:hover {
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.3);
}

[data-theme="dark"] .feature-card-icon.mortgage-icon {
  background: rgba(96, 165, 250, 0.12);
  color: #60a5fa;
}

[data-theme="dark"] .feature-card-icon.latte-icon {
  background: rgba(244, 114, 182, 0.12);
  color: #f472b6;
}

[data-theme="dark"] .feature-card-icon.emergency-icon {
  background: rgba(52, 211, 153, 0.12);
  color: #34d399;
}

/* === Related Posts Dark === */
[data-theme="dark"] .related-posts a {
  background: #222238;
}

[data-theme="dark"] .related-posts a:hover {
  border-color: var(--color-primary);
}

/* === Footer Dark === */
[data-theme="dark"] .site-footer {
  background: #111827;
}

[data-theme="dark"] .footer-bottom {
  border-top-color: #1f2937;
  color: #475569;
}