/* HOMEPAGE SPECIFIC STYLES */

/* SHARED GUIDE PAGE STYLES */
.guide-wrap {
  max-width: 1200px;
  margin: 0 auto;
  padding: 7rem 2.5rem 4.5rem;
}

.guide-wrap-narrow {
  max-width: 920px;
}

.guide-wrap .kicker {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  margin-bottom: 1rem;
  background: var(--mid);
  border: 1px solid var(--border);
  border-left: 3px solid var(--accent);
  color: var(--accent);
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 0.55rem 1rem;
}

.guide-wrap .intro {
  color: #e0e5ea;
  max-width: 860px;
  line-height: 1.75;
  margin-top: 0.8rem;
}

.guide-wrap-narrow .intro {
  color: #d0d0d0;
  max-width: none;
}

.guide-wrap .content-surface {
  margin-top: 1.8rem;
  padding: 1.3rem;
  border-radius: 12px;
  background: linear-gradient(180deg, #ecf2f8 0%, #e4ecf4 100%);
  border: 1px solid #bcc8d5;
  box-shadow: 0 14px 28px rgba(16, 24, 35, 0.18);
}

.guide-wrap .grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.2rem;
}

.guide-wrap .panel {
  background: #3a424c;
  border: 1px solid var(--border);
  padding: 1.4rem;
  border-radius: 8px;
}

.guide-wrap .panel h3 {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 1.35rem;
  text-transform: uppercase;
  margin-bottom: 0.5rem;
}

.guide-wrap .panel p,
.guide-wrap .panel li {
  color: #d0d0d0;
  line-height: 1.75;
}

.guide-wrap .panel ul {
  padding-left: 1.1rem;
}

.guide-wrap .content-section {
  margin-top: 1rem;
  padding: 1.45rem 1.5rem;
  border: 1px solid #d0d9e3;
  border-left: 5px solid #89a8c5;
  background: #f8fbff;
  border-radius: 8px;
}

.guide-wrap .content-section:nth-of-type(even) {
  border-left-color: #9cb94b;
}

.guide-wrap .content-section h2 {
  font-size: clamp(1.6rem, 2.8vw, 2.2rem);
  line-height: 1.15;
  margin-bottom: 0.75rem;
  color: #1f2f40;
}

.guide-wrap .content-section h1 {
  font-size: clamp(2.2rem, 4.4vw, 3.6rem);
  line-height: 1.03;
  margin-bottom: 1rem;
  color: #162b40;
  letter-spacing: -0.01em;
}

.guide-wrap .content-section h3 {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 1.3rem;
  font-weight: 800;
  margin: 1.15rem 0 0.5rem;
  text-transform: uppercase;
  letter-spacing: 0.02em;
  color: #2b4560;
}

.guide-wrap .content-section p,
.guide-wrap .content-section li {
  color: #30475f;
  line-height: 1.86;
  font-size: 1.1rem;
}

.guide-wrap .content-section p {
  margin: 0 0 0.9rem;
}

.guide-wrap .content-section ul,
.guide-wrap .content-section ol {
  padding-left: 1.2rem;
  margin: 0.35rem 0 1rem;
}

.guide-wrap .content-section li {
  margin: 0.32rem 0;
}

.guide-wrap .content-section a {
  color: #1f5a89;
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.guide-wrap .content-section .inline-note {
  margin-top: 0.4rem;
  padding: 0.6rem 0.75rem;
  border: 1px solid #c2d1df;
  border-left: 4px solid #8fa8bf;
  border-radius: 6px;
  background: #eef4fa;
  color: #2f4962;
  font-size: 1rem;
  line-height: 1.62;
}

.guide-wrap .content-section .panel {
  background: #eef4fb;
  border: 1px solid #c8d5e2;
}

.guide-wrap .content-section .panel h3 {
  color: #1e3550;
}

.guide-wrap .content-section .panel p,
.guide-wrap .content-section .panel li {
  color: #324e69;
}

.guide-wrap .content-section table {
  width: 100%;
  border-collapse: collapse;
  margin: 0.85rem 0 1rem;
  border: 1px solid #c9d5e1;
  background: #f3f7fb;
}

.guide-wrap .content-section th,
.guide-wrap .content-section td {
  text-align: left;
  padding: 0.82rem;
  border-bottom: 1px solid #d5e0ea;
  color: #2b445b;
  line-height: 1.55;
}

.guide-wrap .content-section thead th {
  background: #e6eef6;
  font-size: 0.86rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.guide-wrap .content-section tbody tr:last-child td {
  border-bottom: none;
}

@media (max-width: 860px) {
  .guide-wrap .content-section table {
    display: block;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
  }
}

/* HERO SECTION */
.hero {
  min-height: 92vh;
  padding: 7rem 2.5rem 4rem;
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 4rem;
  align-items: center;
  max-width: 1200px;
  margin: 0 auto;
}

.market-ticker {
  padding: 5.25rem 2.5rem 0.8rem;
}

.ticker-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  gap: 0.8rem;
  align-items: center;
  flex-wrap: wrap;
}

.ticker-chip {
  background: #354250;
  border: 1px solid #556476;
  color: #dce7f2;
  font-size: 0.95rem;
  line-height: 1.45;
  padding: 0.4rem 0.65rem;
  border-radius: 6px;
}

.ticker-chip strong { color: #f3f8fd; }

.ticker-link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--accent);
  color: #1b232c;
  font-weight: 800;
  font-size: 0.95rem;
  letter-spacing: 0.02em;
  text-decoration: none;
  border: 1px solid #c4dd28;
  border-radius: 6px;
  padding: 0.48rem 0.8rem;
  min-height: 36px;
  box-shadow: 0 6px 14px rgba(11, 16, 24, 0.28);
  transition: transform 0.15s ease, box-shadow 0.2s ease, background 0.2s ease;
}

.ticker-link:hover {
  background: var(--accent-dark);
  transform: translateY(-1px);
  box-shadow: 0 8px 16px rgba(11, 16, 24, 0.32);
}

.sora-chip {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
}

.sora-chip strong {
  font-size: 1.08rem;
  color: var(--accent);
  letter-spacing: 0.01em;
}

.sora-chip small {
  color: #b9c8d6;
  font-size: 0.84rem;
}

.sora-chip a {
  color: #9fd5ff;
  font-size: 0.84rem;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.hero-visual {
  margin: 1.4rem 0 0.4rem;
  border: 1px solid var(--border);
  background: linear-gradient(180deg, #3d4550 0%, #333b45 100%);
  border-radius: 10px;
  padding: 0.7rem;
  box-shadow: 0 18px 40px rgba(0,0,0,0.22);
  max-width: 640px;
}

.hero-visual img {
  display: block;
  width: 100%;
  border-radius: 7px;
}

.hero-note {
  margin-top: 0.65rem;
  text-align: left;
  font-size: 0.95rem;
  line-height: 1.6;
  color: #bec8d2;
}

.hero-tag {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: var(--mid);
  border: 1px solid var(--border);
  border-left: 3px solid var(--accent);
  padding: 0.6rem 1.1rem;
  font-size: 1rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 1.75rem;
}

@media (min-width: 1200px) {
  .hero-tag { font-size: 1.1rem; }
}

.hero-tag .dot {
  width: 7px;
  height: 7px;
  background: var(--accent);
  border-radius: 50%;
  animation: pulse 2s infinite;
}

h1 em {
  font-style: normal;
  color: var(--accent);
  display: block;
}

.hero-sub {
  font-size: 1.4rem;
  color: #d0d0d0;
  line-height: 1.7;
  max-width: 480px;
  margin-bottom: 2.5rem;
}

@media (min-width: 1200px) {
  .hero-sub { font-size: 1.5rem; }
}

.hero-sub strong { color: var(--white); }

.hero-actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  margin: 0 0 1.6rem;
}

.hero-answer {
  max-width: 640px;
  background: rgba(255,255,255,0.04);
  border: 1px solid var(--border);
  border-left: 4px solid var(--accent);
  border-radius: 10px;
  padding: 1.15rem 1.2rem;
}

.hero-answer h2 {
  font-size: 1.45rem;
  margin-bottom: 0.5rem;
}

.hero-answer p {
  color: #d8e0e8;
  font-size: 1rem;
  line-height: 1.7;
}

.hero-proof {
  display: flex;
  gap: 2.5rem;
  margin-top: 2.5rem;
  padding-top: 2rem;
  border-top: 1px solid var(--border);
}

.proof-num {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 2.6rem;
  font-weight: 800;
  color: var(--white);
  line-height: 1;
}

.proof-num span { color: var(--accent); }

.proof-label {
  font-size: 1rem;
  color: var(--gray);
  margin-top: 0.35rem;
  text-transform: uppercase;
  letter-spacing: 0.03em;
}

@media (min-width: 1200px) {
  .proof-label { font-size: 1.05rem; }
}

/* FORM CARD */
.form-card {
  background: linear-gradient(180deg, #414955 0%, #373f4a 100%);
  border: 1px solid #707982;
  box-shadow: 0 22px 44px rgba(0,0,0,0.38);
  border-top: 4px solid var(--accent);
  padding: 2rem;
  position: relative;
}

.form-card::after {
  content: "";
  position: absolute;
  inset: 0;
  border: 1px solid rgba(232,255,59,0.2);
  pointer-events: none;
}

#get-advice {
  scroll-margin-top: 110px;
}

.form-card-label {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 0.95rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: #111;
  margin-bottom: 1rem;
  display: inline-block;
  background: var(--accent);
  padding: 0.35rem 0.65rem;
}

@media (min-width: 1200px) {
  .form-card-label { font-size: 1.15rem; }
}

.form-title {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 2.05rem;
  font-weight: 900;
  margin-bottom: 0.5rem;
  text-transform: uppercase;
  letter-spacing: 0.02em;
}

.form-subtitle {
  font-size: 1.1rem;
  color: #e1e4e8;
  margin-bottom: 1.2rem;
  line-height: 1.6;
}

.form-embed {
  background: #313842;
  border: 1px solid #606972;
  padding: 1rem;
}

/* Make the questions + inputs clearer */
.form-card label,
.form-card .field-label,
.form-card .form-field-label {
  display: block;
  font-size: 0.85rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: #cfcfcf;
  margin: 1.05rem 0 0.45rem;
}

.form-card select,
.form-card input {
  width: 100%;
  background: #252b31;
  border: 1.5px solid #7b848c;
  color: #ffffff;
  padding: 0.95rem 1rem;
  font-size: 1.05rem;              /* bigger */
  border-radius: 4px;
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

.form-card select::placeholder,
.form-card input::placeholder {
  color: rgba(255,255,255,0.45);
}

.form-card select:focus,
.form-card input:focus {
  border-color: var(--accent);
  outline: none;
  box-shadow: 0 0 0 3px rgba(232,255,59,0.14);
}

.lead-form {
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
}

.lead-field {
  background: #293039;
  border: 1px solid #5c6670;
  padding: 0.8rem;
}

.lead-field label {
  margin: 0 0 0.45rem 0;
  color: #d9dce0;
  font-size: 0.76rem;
  letter-spacing: 0.08em;
}

.lead-field select,
.lead-field input {
  background-color: #1f252c;
  border: 2px solid #8f98a1;
  border-radius: 3px;
  font-size: 1.07rem;
  font-weight: 600;
  min-height: 52px;
}

.lead-field select {
  -webkit-appearance: none;
  -moz-appearance: none;
  appearance: none;
  padding-right: 2.5rem;
  background-image:
    linear-gradient(45deg, transparent 50%, var(--accent) 50%),
    linear-gradient(135deg, var(--accent) 50%, transparent 50%);
  background-position:
    calc(100% - 18px) calc(50% - 2px),
    calc(100% - 12px) calc(50% - 2px);
  background-size: 6px 6px, 6px 6px;
  background-repeat: no-repeat;
}

.lead-submit {
  width: 100%;
  background: var(--accent);
  color: var(--black);
  border: 1px solid rgba(35,37,39,0.25);
  padding: 1.1rem;
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 1.15rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  cursor: pointer;
  margin-top: 0.5rem;
}

.lead-note {
  font-size: 0.8rem;
  color: #8d949b;
  margin-top: 0.9rem;
  text-align: center;
  line-height: 1.6;
}

.response-time {
  background: #252b31;
  border: 1px solid #7b848c;
  color: #e6e6e6;
  border-left: 4px solid var(--accent);
  padding: 1rem 1.2rem;
  margin-bottom: 1.5rem;
  font-size: 1.05rem;
  display: flex;
  align-items: center;
  gap: 0.7rem;
}

.response-time .icon { font-size: 1.4rem; }

#lead-form button[type="submit"] {
  box-shadow: 0 8px 18px rgba(232,255,59,0.24);
  border: 1px solid rgba(35,37,39,0.25) !important;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

#lead-form button[type="submit"]:hover {
  transform: translateY(-1px);
  box-shadow: 0 12px 22px rgba(232,255,59,0.28);
}

/* TRACK RECORD */
.track-record {
  background: linear-gradient(180deg, #eef1f4 0%, #e4e8ec 100%);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.track-title {
  margin-bottom: 1rem;
}

.trust-signal-band {
  padding-bottom: 0.6rem;
}

.trust-signal-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
}

.trust-signal-card {
  background: #3a434d;
  border: 1px solid #596777;
  border-top: 3px solid var(--accent);
  border-radius: 10px;
  padding: 1.1rem 1rem;
  box-shadow: 0 16px 30px rgba(0, 0, 0, 0.2);
}

.trust-signal-num {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: clamp(1.8rem, 3vw, 2.8rem);
  line-height: 1;
  color: #f7fbff;
  text-transform: uppercase;
}

.trust-signal-label {
  margin-top: 0.45rem;
  color: #c9d3dc;
  font-size: 0.95rem;
  line-height: 1.55;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.why-broker {
  background: linear-gradient(180deg, #edf2f7 0%, #e4ebf2 100%);
}

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

.why-broker-card {
  background: #f8fbff;
  border: 1px solid #cfd9e4;
  border-top: 4px solid #8ea9c2;
  border-radius: 10px;
  padding: 1.35rem 1.2rem;
}

.why-broker-card h3,
.calculator-card h3,
.guide-link-card strong {
  font-family: 'Barlow Condensed', sans-serif;
  line-height: 1.05;
  text-transform: uppercase;
}

.why-broker-card h3 {
  font-size: 1.55rem;
  color: #213447;
  margin-bottom: 0.55rem;
}

.why-broker-card p {
  color: #355069;
  font-size: 1rem;
  line-height: 1.72;
  margin-bottom: 0.75rem;
}

.section-header-stack {
  align-items: flex-start;
}

.section-meta-dark {
  color: #152a3e;
  font-weight: 700;
  font-size: 1.04rem;
  max-width: 420px;
  text-align: left;
  line-height: 1.65;
}

.rate-summary-shell {
  overflow-x: auto;
}

.rate-summary-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 760px;
  background: #f8fbff;
  border: 1px solid #c9d4df;
  border-radius: 10px;
  overflow: hidden;
}

.rate-summary-table th,
.rate-summary-table td {
  padding: 1rem 0.95rem;
  text-align: left;
  border-bottom: 1px solid #d7e0e9;
  color: #284055;
  line-height: 1.6;
  font-size: 1rem;
}

.rate-summary-table thead th {
  background: #e7eef5;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  font-size: 0.82rem;
  color: #587089;
}

.rate-summary-table tbody tr:last-child td {
  border-bottom: none;
}

.rate-summary-table a {
  color: #184f7d;
  font-weight: 700;
}

.calculator-cards-band {
  background: linear-gradient(180deg, #2f3944 0%, #2a333d 100%);
  border-top: 1px solid #4d5966;
  border-bottom: 1px solid #4d5966;
}

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

.calculator-card {
  background: #36414d;
  border: 1px solid #596777;
  border-radius: 10px;
  padding: 1.3rem 1.15rem;
  display: flex;
  flex-direction: column;
  gap: 0.9rem;
}

.calculator-card-kicker,
.guide-link-kicker {
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.09em;
  text-transform: uppercase;
}

.calculator-card-kicker {
  color: var(--accent);
}

.calculator-card h3 {
  font-size: 1.45rem;
  color: #f3f8fd;
}

.calculator-card p {
  color: #ced6df;
  font-size: 0.98rem;
  line-height: 1.68;
  flex: 1;
}

.calculator-card .btn {
  width: 100%;
  text-align: center;
}

.refinance-example-band {
  background: linear-gradient(180deg, #edf2f7 0%, #e4ebf2 100%);
}

.refinance-example-box {
  display: grid;
  grid-template-columns: 1.5fr 0.9fr;
  gap: 1rem;
  background: #f8fbff;
  border: 1px solid #cfd9e4;
  border-radius: 12px;
  padding: 1.2rem;
}

.refinance-example-copy p {
  color: #334c64;
  line-height: 1.75;
  margin-top: 0.75rem;
}

.refinance-example-metric {
  background: #2f3a45;
  border: 1px solid #556477;
  border-top: 4px solid var(--accent);
  border-radius: 10px;
  padding: 1.15rem;
}

.example-label {
  color: #c7d4df;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.78rem;
}

.example-value {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: clamp(2.2rem, 4vw, 3.4rem);
  line-height: 1;
  color: #f8fbff;
  margin: 0.6rem 0;
}

.refinance-example-metric p {
  color: #eef5fb;
  font-size: 0.99rem;
  font-weight: 600;
  line-height: 1.7;
  margin-bottom: 1rem;
}

/* FEATURE STRIP */
.feature-strip {
  background: linear-gradient(180deg, #2f3944 0%, #2b3540 100%);
  border-top: 1px solid #4e5b69;
  border-bottom: 1px solid #4e5b69;
}

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

.feature-item {
  background: #36414d;
  border: 1px solid #586575;
  border-radius: 8px;
  padding: 1.2rem 1rem;
  min-height: 180px;
}

.feature-icon {
  width: 32px;
  height: 32px;
  border: 1px solid rgba(232,255,59,0.6);
  color: var(--accent);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 0.8rem;
}

.feature-item h3 {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 1.45rem;
  line-height: 1.05;
  color: #f0f5fa;
  margin-bottom: 0.55rem;
  text-transform: uppercase;
}

.feature-item p {
  color: #c9d3dd;
  font-size: 1rem;
  line-height: 1.62;
}

.track-intro {
  color: #3b4652;
  max-width: 900px;
  line-height: 1.72;
  margin-bottom: 1.6rem;
  font-size: 1.08rem;
}

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

.track-card {
  background: #f7f9fb;
  border: 1px solid #cfd6dd;
  border-top: 3px solid var(--accent);
  padding: 1.15rem 1rem;
  min-height: 174px;
}

.track-icon {
  width: 30px;
  height: 30px;
  border: 1px solid rgba(232,255,59,0.45);
  color: var(--accent);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 0.9rem;
  margin-bottom: 0.65rem;
}

.track-num {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: clamp(1.7rem, 2.6vw, 2.6rem);
  font-weight: 900;
  line-height: 1.05;
  color: #202a34;
  text-transform: uppercase;
}

.track-label {
  margin-top: 0.45rem;
  color: #556271;
  font-size: 0.88rem;
  line-height: 1.5;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

/* TRUST STRIP (light island) */
.trust-strip {
  border-top: 1px solid rgba(0,0,0,0.08);
  border-bottom: 1px solid rgba(0,0,0,0.08);
  padding: 1.2rem 2.5rem;
  display: flex;
  align-items: center;
  gap: 1rem;
  overflow: hidden;
  background: #e8ebee;              /* light, not pure white */
}

/* PROCESS BAND */
.process-band {
  background: linear-gradient(180deg, #edf3f9 0%, #e5edf5 100%);
  border-top: 1px solid #c8d2dc;
  border-bottom: 1px solid #c8d2dc;
}

.process-band .section-tag { color: #7e9920; }
.process-band h2 { color: #1e2d3c; }

.process-title {
  margin-bottom: 2rem;
}

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

.process-step {
  background: #f8fbff;
  border: 1px solid #cad6e2;
  border-top: 4px solid #9cb94b;
  border-radius: 8px;
  padding: 1.2rem 1rem;
}

.process-num {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 2rem;
  line-height: 1;
  color: #6f8ea9;
  margin-bottom: 0.5rem;
}

.process-step h3 {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 1.35rem;
  color: #24384d;
  margin-bottom: 0.4rem;
  text-transform: uppercase;
}

.process-step p {
  color: #334b62;
  line-height: 1.65;
}

.guide-links-band {
  background: linear-gradient(180deg, #eef2f6 0%, #e5ebf1 100%);
}

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

.guide-link-card {
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
  text-decoration: none;
  background: #f9fbfd;
  border: 1px solid #d0d9e2;
  border-radius: 10px;
  padding: 1.15rem;
  min-height: 220px;
}

.guide-link-card strong {
  font-size: 1.35rem;
  color: #213447;
}

.guide-link-card span:last-child {
  color: #41576d;
  line-height: 1.65;
  font-size: 0.98rem;
}

.guide-link-card:hover {
  border-color: #aabccc;
  transform: translateY(-2px);
  transition: transform 0.15s ease, border-color 0.15s ease;
}

.trust-label {
  font-size: 0.95rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgba(0,0,0,0.55);
  white-space: nowrap;
  flex-shrink: 0;
}

.trust-divider {
  width: 1px;
  height: 22px;
  background: rgba(0,0,0,0.14);
  flex-shrink: 0;
}

.banks {
  display: flex;
  gap: 2rem;
  align-items: center;
  flex-wrap: wrap;
}

.bank-name {
  font-family: 'Barlow Condensed', sans-serif;
  font-weight: 700;
  font-size: 1.1rem;
  letter-spacing: 0.05em;
  color: rgba(0,0,0,0.65);
  text-transform: uppercase;
  transition: opacity 0.2s, color 0.2s;
}

.bank-name:hover {
  color: rgba(0,0,0,0.9);
}

/* SECTIONS */
.section {
  max-width: 1200px;
  margin: 0 auto;
  padding: 5rem 2.5rem;
}

.section-header {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  margin-bottom: 2.5rem;
}

.section-tag {
  font-size: 1rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 0.75rem;
}

.section-meta {
  font-size: 1.15rem;
  color: #cdd3d8;
  text-align: right;
}

/* RATES TABLE (integrated dark card) */
.rates-table {
  width: 100%;
  max-width: 980px;
  margin: 0 auto;
  border-collapse: collapse;
  table-layout: fixed;
  font-size: 1.05rem;
  background: var(--off-black);
  border: 1px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
  min-width: 760px;
}

.rates-table th,
.rates-table td {
  padding: 1rem 0.85rem;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}

.rates-table thead th {
  text-align: left;
  font-size: 0.9rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgba(255,255,255,0.58);
  background: rgba(255,255,255,0.04);
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

/* Align numeric headers + cols */
.rates-table th:nth-child(3),
.rates-table th:nth-child(4),
.rates-table th:nth-child(5),
.rates-table td:nth-child(3),
.rates-table td:nth-child(4),
.rates-table td:nth-child(5) {
  text-align: right;
}

.rates-table th:nth-child(1),
.rates-table td:nth-child(1) { width: 15%; }
.rates-table th:nth-child(2),
.rates-table td:nth-child(2) { width: 20%; }
.rates-table th:nth-child(3),
.rates-table td:nth-child(3) { width: 20%; }
.rates-table th:nth-child(4),
.rates-table td:nth-child(4) { width: 15%; }
.rates-table th:nth-child(5),
.rates-table td:nth-child(5) { width: 30%; }

.rates-table tbody td {
  color: rgba(255,255,255,0.92);
}

.rates-table tbody tr:hover {
  background: rgba(255,255,255,0.04);
}

.bank-col {
  font-family: 'Barlow Condensed', sans-serif;
  font-weight: 800;
  font-size: 1.1rem;
  text-transform: uppercase;
  letter-spacing: 0.03em;
}

/* Highlight only the numeric rates */
.rates-table td:nth-child(3),
.rates-table td:nth-child(4) {
  font-family: 'Barlow Condensed', sans-serif;
  font-weight: 900;
  font-size: 1.45rem;
  color: var(--accent);
}

.badge {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  padding: 0.3rem 0.7rem;
  border-radius: 2px;
}

.badge-fixed {
  background: #1a2a3a;
  color: #5ab0ff;
}

.badge-sora {
  background: #2a1a3a;
  color: #b05aff;
}

.badge-best {
  background: rgba(232,255,59,0.10);
  color: var(--accent);
  border: 1px solid rgba(232,255,59,0.60);
}

.rate-signal {
  display: inline-flex;
  align-items: center;
  justify-content: flex-end;
  gap: 0.45rem;
  flex-wrap: wrap;
}

.warning-row td {
  color: rgba(255,255,255,0.65);
  font-size: 1rem;
}

/* HONESTY SECTION */
.honesty-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  border: 1px solid var(--border);
}

.honesty-col { padding: 2.5rem; }

.honesty-col:first-child {
  border-right: 1px solid var(--border);
  background: var(--dark);
}

.honesty-col-label {
  font-size: 1rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 1.25rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.label-bad { color: var(--red); }
.label-good { color: var(--accent); }

.honesty-col h3 {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 1.7rem;
  font-weight: 800;
  text-transform: uppercase;
  margin-bottom: 1rem;
  line-height: 1.1;
}

.honesty-col p {
  color: #c8c8c8;
  font-size: 1.05rem;
  line-height: 1.7;
  margin-bottom: 1rem;
}

.honesty-item {
  display: flex;
  gap: 0.75rem;
  margin-bottom: 0.9rem;
  font-size: 1.1rem;
}

.honesty-item .icon {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  margin-top: 2px;
  font-size: 1rem;
}

.icon-bad {
  color: var(--red);
}

.icon-good {
  color: var(--accent);
}

.muted-note {
  color: #a0a0a0;
}

/* TESTIMONIALS */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: #ced5db;
}

.testimonial-card {
  background: #f5f7fa;
  border: 1px solid #cdd6df;
  padding: 2rem;
}

.stars {
  color: #a96f00;
  font-size: 1.15rem;
  margin-bottom: 1rem;
  letter-spacing: 0.1em;
}

.testimonial-text {
  font-size: 1.1rem;
  line-height: 1.75;
  color: #2f3b47;
  margin-bottom: 1.25rem;
}

.testimonial-text strong { color: #151d24; }

.testimonial-author {
  font-size: 1rem;
  color: #5e6b78;
}

.testimonial-author strong {
  display: block;
  color: #202a34;
  font-weight: 600;
  margin-bottom: 0.15rem;
}

/* LIGHT SURFACES FOR SECTION CONTRAST */
.surface-light {
  background: linear-gradient(180deg, #edf1f4 0%, #e4e9ee 100%);
  border-top: 1px solid #cfd6de;
  border-bottom: 1px solid #cfd6de;
}

.surface-light-flush {
  padding: 0;
}

.honesty-title,
.testimonials-title {
  margin-bottom: 2.5rem;
}

.faq-title {
  margin-bottom: 2rem;
}

.surface-light .section-tag { color: #9aad14; }
.surface-light h2,
.surface-light h3 { color: #1f2831; }
.surface-light p,
.surface-light li { color: #33404d; }
.surface-light a {
  color: #355f8c;
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 2px;
}

/* Keep dark cards readable even inside light surface sections */
.surface-light .panel,
.surface-light .calculator-card,
.surface-light .choice-card,
.surface-light .honesty-col,
.surface-light .advice-card {
  background: #39434f;
  border-color: #5f6b79;
}

.surface-light .panel h2,
.surface-light .panel h3,
.surface-light .calculator-card h3,
.surface-light .choice-card h3,
.surface-light .panel strong,
.surface-light .honesty-col h3,
.surface-light .advice-card h3 {
  color: #f2f6fa;
}

.surface-light .panel p,
.surface-light .panel li,
.surface-light .calculator-card p,
.surface-light .choice-card p,
.surface-light .choice-card li,
.surface-light .honesty-col p,
.surface-light .honesty-col li,
.surface-light .advice-card p {
  color: #dbe3ea;
}

.surface-light .panel a,
.surface-light .choice-card a,
.surface-light .advice-card a {
  color: var(--accent);
}

.surface-light .section-meta.section-meta-dark {
  color: #152a3e;
  font-weight: 700;
}

.surface-light .refinance-example-metric p {
  color: #eef5fb;
  font-weight: 600;
}

.faq-surface .honesty-col {
  background: #f8fafc;
  color: #33404d;
  border: 1px solid #d1d9e0;
}

.honesty-col-full {
  max-width: 100%;
}

.faq-surface .honesty-col h3 { color: #1f2831; }
.faq-surface .honesty-col p,
.faq-surface .honesty-col li { color: #33404d; }

/* CTA SECTION */
.cta-section {
  background: var(--accent);
  padding: 4rem 2.5rem;
  text-align: center;
}

.cta-section h2 {
  color: var(--black);
  font-size: clamp(2.5rem, 5vw, 4.5rem);
  margin-bottom: 0.75rem;
}

.cta-section p {
  color: rgba(0,0,0,0.6);
  font-size: 1.25rem;
  margin-bottom: 2rem;
}

.cta-buttons {
  display: flex;
  gap: 1rem;
  justify-content: center;
  flex-wrap: wrap;
}

/* RESPONSIVE */
@media (max-width: 900px) {
  .guide-wrap {
    padding: 6rem 1.5rem 4rem;
  }

  .guide-wrap .content-surface {
    padding: 0.9rem;
  }

  .guide-wrap .grid {
    grid-template-columns: 1fr;
  }

  .hero {
    grid-template-columns: 1fr;
    padding: 6rem 1.5rem 3rem;
    gap: 2.5rem;
  }

  .section { padding: 3rem 1.5rem; }
  .market-ticker { padding: 5rem 1.5rem 0.7rem; }
  .ticker-inner {
    display: grid;
    grid-template-columns: 1fr;
    gap: 0.55rem;
  }
  .ticker-chip,
  .ticker-link {
    width: 100%;
  }
  .ticker-chip {
    line-height: 1.5;
  }
  .sora-chip {
    display: flex;
    flex-wrap: wrap;
    row-gap: 0.15rem;
  }
  .sora-chip strong {
    min-width: 5.8rem;
  }
  .sora-chip small,
  .sora-chip a {
    font-size: 0.82rem;
  }

  .section-header {
    flex-direction: column;
    align-items: flex-start;
    gap: 0.5rem;
  }

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

  .hero-actions {
    flex-direction: column;
  }

  .hero-actions .btn {
    width: 100%;
    text-align: center;
  }

  .trust-signal-row,
  .why-broker-grid,
  .calculator-card-grid,
  .guide-links-grid {
    grid-template-columns: 1fr;
  }

  .refinance-example-box {
    grid-template-columns: 1fr;
  }

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

  .honesty-col:first-child {
    border-right: none;
    border-bottom: 1px solid var(--border);
  }

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

  .trust-strip { flex-wrap: wrap; }

  .banks { gap: 1.25rem; }

  .track-grid { grid-template-columns: 1fr 1fr; }
  .track-card { min-height: 0; }
  .feature-grid { grid-template-columns: 1fr 1fr; }
  .process-grid { grid-template-columns: 1fr; }

  #rates .section {
    overflow-x: visible;
  }

  .rates-table {
    min-width: 0;
    max-width: 100%;
    table-layout: auto;
  }

  .rates-table thead {
    display: none;
  }

  .rates-table tbody {
    display: block;
  }

  .rates-table tbody tr {
    display: block;
    margin-bottom: 0.8rem;
    border: 1px solid rgba(255,255,255,0.09);
    border-radius: 10px;
    overflow: hidden;
    background: rgba(255,255,255,0.02);
  }

  .rates-table tbody td {
    display: flex;
    justify-content: space-between;
    align-items: baseline;
    gap: 0.8rem;
    width: 100% !important;
    text-align: left !important;
    padding: 0.8rem 0.9rem;
    border-bottom: 1px solid rgba(255,255,255,0.06);
  }

  .rates-table tbody td::before {
    content: attr(data-label);
    font-size: 0.76rem;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: rgba(255,255,255,0.58);
    flex: 0 0 7.2rem;
  }

  .rates-table tbody tr td:last-child {
    border-bottom: none;
  }

  .rates-table td:nth-child(3),
  .rates-table td:nth-child(4) {
    font-size: 1.22rem;
  }

  .rates-table .bank-col {
    font-size: 1.04rem;
  }

  .rates-table .warning-row {
    border: none;
    border-radius: 0;
    background: transparent;
    margin-bottom: 0;
  }

  .rates-table .warning-row td {
    display: block;
    border-bottom: none;
    width: 100% !important;
    padding: 0.8rem 0.3rem;
  }

  .rates-table .warning-row td::before {
    content: none;
  }

  .badge {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    max-width: 144px;
    white-space: normal;
    text-align: center;
    line-height: 1.2;
    font-size: 0.68rem;
    padding: 0.28rem 0.45rem;
  }

  .rate-signal {
    justify-content: flex-start;
    width: 100%;
  }
}

@media (max-width: 560px) {
  .track-grid { grid-template-columns: 1fr; gap: 0.8rem; }
  .track-intro { font-size: 1rem; }
}

/* Rates Dashboard (tabbed cards) */
.rates-dashboard {
  margin-top: 0.4rem;
}

.rates-dashboard .status {
  border: 1px solid #4e5e70;
  background: #29323d;
  border-radius: 10px;
  padding: 0.7rem 0.9rem;
  margin-bottom: 1rem;
  color: #d6e3ef;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.8rem;
  flex-wrap: wrap;
}

.rates-dashboard .status .dot {
  width: 8px;
  height: 8px;
  border-radius: 999px;
  background: #5df07a;
  display: inline-block;
  margin-right: 0.5rem;
  box-shadow: 0 0 0 6px rgba(93, 240, 122, 0.2);
  animation: pulse 1.7s infinite;
}

.rates-dashboard .status strong {
  color: var(--accent);
}

.rates-dashboard .status a {
  color: #9fd5ff;
}

.rates-dashboard .tab-row {
  display: inline-flex;
  border: 1px solid #566678;
  border-radius: 10px;
  overflow: hidden;
  margin-bottom: 0.9rem;
  background: #27303a;
}

.rates-dashboard .tab-btn {
  border: 0;
  background: transparent;
  color: #c0cfde;
  font-family: 'Barlow', sans-serif;
  font-size: 0.96rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  padding: 0.58rem 0.9rem;
  cursor: pointer;
}

.rates-dashboard .tab-btn[aria-selected="true"] {
  background: var(--accent);
  color: #1a2531;
}

.rates-dashboard .rates-cards {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.85rem;
}

.rates-dashboard .rates-cards[hidden] {
  display: none;
}

.rates-dashboard .rate-card {
  border: 1px solid #566272;
  background: linear-gradient(180deg, #36404c 0%, #2f3842 100%);
  border-radius: 12px;
  padding: 0.9rem;
  box-shadow: 0 14px 24px rgba(0, 0, 0, 0.2);
  transition: transform 0.15s ease, border-color 0.2s ease, box-shadow 0.2s ease;
}

.rates-dashboard .rate-card:hover {
  transform: translateY(-2px);
  border-color: var(--accent);
  box-shadow: 0 0 0 1px rgba(232, 255, 59, 0.45), 0 16px 26px rgba(0, 0, 0, 0.24);
}

.rates-dashboard .card-top {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 0.5rem;
  margin-bottom: 0.55rem;
}

.rates-dashboard .bank {
  display: inline-flex;
  align-items: center;
  font-weight: 700;
  color: #eef5fd;
}

.rates-dashboard .bank-type {
  border: 1px solid #72859b;
  color: #d4e2f1;
  background: #1f2a36;
  font-size: 0.76rem;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 0.2rem 0.4rem;
  border-radius: 999px;
}

.rates-dashboard .tag {
  border: 1px solid #9eb61d;
  color: #2a3208;
  background: var(--accent);
  font-size: 0.75rem;
  font-weight: 800;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  padding: 0.2rem 0.4rem;
  border-radius: 999px;
  white-space: nowrap;
}

.rates-dashboard .rate {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 2.2rem;
  line-height: 1;
  color: var(--accent);
  letter-spacing: -0.01em;
  margin: 0.2rem 0;
}

.rates-dashboard .meta {
  color: #d3dee9;
  font-size: 0.95rem;
  margin-bottom: 0.55rem;
}

/* Keep rates-card text readable inside guide content sections */
.guide-wrap .content-section .rates-dashboard .rate {
  color: var(--accent);
}

.guide-wrap .content-section .rates-dashboard .meta {
  color: #dce7f2;
  font-weight: 600;
}

.rates-dashboard .savings {
  display: inline-flex;
  align-items: center;
  border: 1px solid #6f8854;
  color: #d8ffd0;
  background: #293f26;
  font-size: 0.82rem;
  font-weight: 700;
  padding: 0.22rem 0.45rem;
  border-radius: 999px;
}

.rates-dashboard .note {
  margin-top: 0.9rem;
  border: 1px solid #7d6653;
  background: #3b3027;
  color: #f6dcc8;
  border-radius: 10px;
  padding: 0.65rem 0.8rem;
  font-size: 0.92rem;
}

.rates-page .content-surface {
  margin-top: 1rem;
  padding: 0;
  border: none;
  border-radius: 0;
  background: transparent;
  box-shadow: none;
}

.rates-page .rates-primary {
  margin: 0.95rem 0 1.05rem;
  padding: 1.65rem;
  border: 1px solid #4a5b6e;
  border-radius: 12px;
  background: linear-gradient(90deg, rgba(40, 50, 62, 0.96) 0%, rgba(36, 44, 56, 0.96) 100%);
  box-shadow: 0 16px 30px rgba(8, 13, 21, 0.32);
}

.rates-page .rates-primary h2 {
  margin: 0;
  font-size: clamp(2.2rem, 4.6vw, 3.5rem);
  line-height: 0.98;
  letter-spacing: -0.01em;
  color: #f0f4f8;
}

.rates-page .rates-primary .section-header {
  margin-bottom: 1.35rem;
}

.rates-page .rates-primary .section-meta {
  color: #d6dee8;
  max-width: 28rem;
}

.rates-page .rates-primary .section-tag {
  margin-bottom: 0.55rem;
}

.knowledge-hub {
  max-width: 1200px;
  margin: 1.2rem auto 0;
  padding: 1.35rem 2.5rem;
  border: 1px solid #cad7e4;
  border-left: 5px solid #8eaac4;
  border-radius: 10px;
  background: #f8fbff;
}

.knowledge-hub h2 {
  font-size: clamp(1.6rem, 2.8vw, 2.2rem);
  line-height: 1.15;
  color: #1f2f40;
  margin-bottom: 0.65rem;
  text-transform: none;
}

.knowledge-hub ul {
  margin: 0;
  padding-left: 1.2rem;
}

.knowledge-hub li {
  color: #30475f;
  margin: 0.26rem 0;
  line-height: 1.7;
}

.knowledge-hub a {
  color: #1f5a89;
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.rates-dashboard .sticky-mobile {
  display: none;
}

/* Bank hub scenario card readability */
.guide-wrap .content-section .choice-grid .choice-card {
  background: #3f4c5a;
  border: 1px solid #677a90;
}

.guide-wrap .content-section .choice-grid .choice-card h3 {
  color: #f1f7ff;
}

.guide-wrap .content-section .choice-grid .choice-card p,
.guide-wrap .content-section .choice-grid .choice-card li {
  color: #e4edf6;
}

.guide-wrap .content-section .choice-grid .choice-card .inline-link,
.guide-wrap .content-section .choice-grid .choice-card .inline-link:visited {
  color: #c8e6ff;
}

@media (max-width: 900px) {
  .rates-dashboard .rates-cards {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 680px) {
  .rates-dashboard .sticky-mobile {
    display: block;
    position: sticky;
    top: 0.5rem;
    z-index: 10;
    margin-bottom: 0.8rem;
    border: 1px solid #64768c;
    border-radius: 10px;
    background: rgba(36, 45, 56, 0.95);
    backdrop-filter: blur(8px);
    padding: 0.65rem 0.75rem;
  }

  .rates-dashboard .sticky-mobile strong { color: var(--accent); }

  .rates-dashboard .sticky-mobile a {
    margin-top: 0.45rem;
    display: inline-block;
    text-decoration: none;
    background: var(--accent);
    color: #1b232c;
    font-weight: 800;
    padding: 0.45rem 0.62rem;
    border-radius: 8px;
    border: 1px solid #b7d214;
  }

  .rates-dashboard .rates-cards {
    grid-template-columns: 1fr;
  }

  .rates-dashboard .rate {
    font-size: 2.35rem;
  }

  .rates-page .rates-primary {
    padding: 1rem;
  }

  .knowledge-hub {
    padding: 1.1rem;
    margin: 1rem 1rem 0;
  }
}

/* Strategic and insight modules */
.strategic-highlights {
  background: linear-gradient(180deg, #2f3944 0%, #2b3540 100%);
  border-top: 1px solid #4e5b69;
  border-bottom: 1px solid #4e5b69;
}

.highlight-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-top: 1rem;
}

.highlight-card {
  background: #36414d;
  border: 1px solid #586575;
  border-radius: 8px;
  padding: 1.2rem 1rem;
}

.highlight-card h3 {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 1.45rem;
  line-height: 1.05;
  color: #f0f5fa;
  margin-bottom: 0.55rem;
  text-transform: uppercase;
}

.highlight-card p {
  color: #c9d3dd;
  font-size: 1rem;
  line-height: 1.62;
  margin-bottom: 0.55rem;
}

.who-this-is-for,
.expert-insight,
.post-result-actions {
  margin-top: 1rem;
  border: 1px solid #cad6e2;
  border-radius: 10px;
  padding: 1rem;
  background: linear-gradient(180deg, #eef4fb 0%, #e7eff7 100%);
  box-shadow: 0 8px 18px rgba(18, 34, 52, 0.12);
}

.who-this-is-for h2,
.expert-insight h2,
.post-result-actions h2 {
  font-size: clamp(1.45rem, 2.4vw, 2rem);
  color: #1f3144;
  margin-bottom: 0.55rem;
}

.who-this-is-for p,
.expert-insight p,
.post-result-actions p {
  color: #2f4458;
  line-height: 1.62;
  font-size: 1.04rem;
}

.who-this-is-for ul,
.expert-insight ul,
.post-result-actions ul {
  margin-top: 0.45rem;
  padding-left: 1.1rem;
}

.who-this-is-for li,
.expert-insight li,
.post-result-actions li {
  color: #2f4458;
  margin: 0.32rem 0;
}

.expert-insight .inline-link,
.post-result-actions .inline-link,
.who-this-is-for .inline-link {
  color: #1f5a89;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.insight-risk-note {
  margin-top: 0.85rem;
  border: 1px solid #c6ad91;
  background: linear-gradient(180deg, #f8eee2 0%, #f2e6d9 100%);
  color: #4f3724;
  border-radius: 10px;
  padding: 0.75rem 0.9rem;
  font-size: 1rem;
  line-height: 1.55;
}

.post-result-actions .btn {
  margin-top: 0.6rem;
}

@media (max-width: 900px) {
  .highlight-grid {
    grid-template-columns: 1fr;
  }
}

/* Shared guide utility patterns */
.guide-table,
.decision-table {
  width: 100%;
  border-collapse: collapse;
  border: 1px solid #c8d6e3;
  border-radius: 10px;
  overflow: hidden;
  background: #f7fbff;
}

.guide-table th,
.guide-table td,
.decision-table th,
.decision-table td {
  padding: 0.9rem;
  text-align: left;
  border-bottom: 1px solid #d8e3ed;
  color: #274259;
}

.guide-table th,
.decision-table th {
  background: #e9f1f8;
  color: #16344d;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  font-size: 0.82rem;
}

.guide-table tr:last-child td,
.decision-table tr:last-child td {
  border-bottom: none;
}

.example-box,
.checklist-box,
.note-box,
.cost-box,
.step-box,
.tax-box,
.formula-box,
.summary-box,
.snapshot-box,
.diagram-box,
.callout-box,
.decision-note {
  background: #f7fbff;
  border: 1px solid #c8d7e5;
  border-radius: 10px;
  padding: 1rem;
}

.note-box,
.tax-box,
.diagram-box,
.decision-note {
  border-left: 4px solid #6d8fa9;
}

.example-row,
.cost-row {
  padding: 0.75rem 0;
  border-bottom: 1px solid #d8e3ed;
}

.example-row:last-child,
.cost-row:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

.example-row span,
.cost-row span {
  display: block;
  color: #536b7f;
  font-size: 0.9rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 0.15rem;
}

.example-row strong,
.cost-row strong {
  color: #132f47;
  font-size: 1.2rem;
  line-height: 1.15;
}

.step-grid {
  display: grid;
  gap: 1rem;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
}

.snapshot-grid,
.example-grid,
.formula-grid {
  display: grid;
  gap: 1rem;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
}

.step-num {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 1.05rem;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: #294760;
  margin-bottom: 0.45rem;
}

.formula-label,
.snapshot-label {
  display: block;
  color: #536b7f;
  font-size: 0.9rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 0.2rem;
}

.formula-label {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 1.05rem;
  font-weight: 800;
  letter-spacing: 0.06em;
  color: #294760;
  margin-bottom: 0.45rem;
}

.formula-line,
.snapshot-box strong {
  display: block;
  font-weight: 700;
  color: #132f47;
  font-size: 1.2rem;
  line-height: 1.2;
}

.formula-lines {
  display: grid;
  gap: 0.4rem;
  font-weight: 700;
  color: #132f47;
}

.formula-lines .divider {
  height: 1px;
  background: #9eb6cb;
  margin: 0;
}

.formula-limit {
  margin-top: 0.8rem;
  padding-top: 0.8rem;
  border-top: 1px solid #d3dfeb;
}

.formula-limit strong,
.example-result strong {
  display: block;
  font-size: 1.55rem;
  color: #0f2f4a;
  line-height: 1.1;
}

.example-meta {
  display: grid;
  gap: 0.8rem;
}

.outlook-table {
  width: 100%;
  border-collapse: collapse;
  border: 1px solid #c8d6e3;
  border-radius: 10px;
  overflow: hidden;
  background: #f7fbff;
}

.outlook-table th,
.outlook-table td {
  padding: 0.9rem;
  text-align: left;
  border-bottom: 1px solid #d8e3ed;
  color: #274259;
}

.outlook-table th {
  background: #e9f1f8;
  color: #16344d;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  font-size: 0.82rem;
}

.outlook-table tr:last-child td {
  border-bottom: none;
}

.callout-box {
  display: flex;
  gap: 1rem;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
}

.snapshot-box p,
.example-box p {
  margin-top: 0.55rem;
}

.checklist-box ul {
  margin: 0;
  padding-left: 1.1rem;
}

.checklist-box li + li {
  margin-top: 0.45rem;
}

.compact-list {
  margin: 0;
  padding-left: 1.1rem;
}

.compact-list li + li {
  margin-top: 0.45rem;
}

@media (max-width: 860px) {
  .guide-table,
  .decision-table,
  .outlook-table {
    display: block;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
  }

  .guide-table th,
  .guide-table td,
  .decision-table th,
  .decision-table td,
  .outlook-table th,
  .outlook-table td {
    min-width: 140px;
  }
}

body.guide-page-light-cards .content-section .choice-card {
  background: #f7fbff;
  border: 1px solid #c8d7e5;
  color: #21384d;
}

body.guide-page-light-cards .content-section .choice-card h3 {
  color: #132f47;
}

body.guide-page-light-cards .content-section .choice-card p,
body.guide-page-light-cards .content-section .choice-card li,
body.guide-page-light-cards .content-section .choice-card .inline-link,
body.guide-page-light-cards .content-section .choice-card .inline-link:visited {
  color: #294760;
}

body.page-refinancing-guide .divider,
body.page-hdb-vs-bank .divider {
  border-top: 1px solid var(--border);
  margin: 2rem 0;
}

body.page-refinancing-guide .compare-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-top: 0.8rem;
}

body.page-refinancing-guide .compare-card {
  background: #eef4fb;
  border: 1px solid #c8d5e2;
  border-left: 5px solid #88a8c5;
  border-radius: 8px;
  padding: 1rem;
}

body.page-refinancing-guide .compare-card.alt {
  background: #f7fbef;
  border-color: #ccdcb5;
  border-left-color: #9cb94b;
}

body.page-refinancing-guide .compare-card h3 {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 1.28rem;
  color: #23405a;
  margin-bottom: 0.55rem;
  text-transform: uppercase;
}

body.page-refinancing-guide .compare-card p {
  color: #2f4b66;
  font-size: 1.02rem;
  line-height: 1.65;
  margin-bottom: 0.55rem;
}

body.page-refinancing-guide .compare-card ul {
  padding-left: 1.1rem;
  margin: 0.3rem 0 0.2rem;
}

body.page-refinancing-guide .compare-card li {
  color: #35516a;
  font-size: 1rem;
  line-height: 1.58;
  margin: 0.25rem 0;
}

body.page-refinancing-guide .content-section h3 + ul,
body.page-refinancing-guide .content-section h3 + ol {
  margin-top: 0.35rem;
}

body.page-refinancing-guide .content-section ul,
body.page-refinancing-guide .content-section ol {
  padding-left: 1.15rem;
}

body.page-refinancing-guide .step {
  display: grid;
  grid-template-columns: 34px 1fr;
  gap: 0.9rem;
  padding: 1rem;
  border: 1px solid #c7d4e2;
  border-radius: 8px;
  background: #ffffff;
  color: #27445e;
  font-size: 1.08rem;
  line-height: 1.68;
}

body.page-refinancing-guide .step + .step {
  margin-top: 0.8rem;
}

body.page-refinancing-guide .step .num {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 1.4rem;
  color: #7aa52c;
  font-weight: 900;
}

body.page-refinancing-guide .step strong {
  color: #163a5a;
  font-weight: 800;
}

body.page-refinancing-guide .advice-card {
  margin-top: 1rem;
  background: linear-gradient(135deg, #2e4f6b 0%, #284661 100%);
  border: 1px solid #40627f;
  color: #e7f1fb;
}

body.page-refinancing-guide .advice-card h3,
body.page-refinancing-guide .advice-card p {
  color: #eaf2fb;
}

body.page-refinancing-guide .advice-note {
  color: #d0e1f1;
}

body.page-hdb-vs-bank .table {
  width: 100%;
  border-collapse: collapse;
  background: #f2f8ff;
  border: 1px solid #c3d0dd;
  border-radius: 8px;
  overflow: hidden;
}

body.page-hdb-vs-bank .table th,
body.page-hdb-vs-bank .table td {
  padding: 1rem;
  text-align: left;
  border-bottom: 1px solid #d8e2ec;
  line-height: 1.65;
  color: #2c4359;
}

body.page-hdb-vs-bank .table th {
  color: #27455f;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  font-size: 0.85rem;
  background: #e6eff8;
}

body.page-hdb-vs-bank .table tr:last-child td {
  border-bottom: none;
}

body.page-hdb-vs-bank .decision-table td:first-child {
  font-weight: 700;
  color: #1f3346;
  width: 30%;
}

body.page-hdb-vs-bank .decision-table td:nth-child(2) {
  background: #f2f8ff;
}

body.page-hdb-vs-bank .decision-table td:nth-child(3) {
  background: #f8fbf1;
}

@media (max-width: 900px) {
  body.page-refinancing-guide .compare-grid {
    grid-template-columns: 1fr;
  }
}

body.page-about .divider {
  border-top: 1px solid var(--border);
  margin: 2rem 0;
}

body.page-about .process-flow {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  position: relative;
  margin-top: 0.7rem;
}

body.page-about .flow-step {
  background: #eef4fb;
  border: 1px solid #c8d5e2;
  border-left: 5px solid #89a8c5;
  border-radius: 8px;
  padding: 1rem;
  position: relative;
}

body.page-about .flow-step h3 {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 1.22rem;
  color: #23405a;
  margin-bottom: 0.4rem;
  text-transform: uppercase;
}

body.page-about .flow-step p {
  color: #2f4b66;
  font-size: 1rem;
  line-height: 1.62;
  margin-bottom: 0.55rem;
}

body.page-about .flow-step ul {
  padding-left: 1.05rem;
  margin: 0.2rem 0 0;
}

body.page-about .flow-step li {
  color: #35516a;
  font-size: 0.96rem;
  line-height: 1.55;
  margin: 0.2rem 0;
}

body.page-about .flow-step::after {
  content: "→";
  position: absolute;
  right: -0.72rem;
  top: 50%;
  transform: translateY(-50%);
  color: #7da0bf;
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 1.4rem;
  font-weight: 800;
}

body.page-about .flow-step:last-child::after {
  content: none;
}

body.page-privacy .updated {
  color: #bdbdbd;
  font-size: 0.95rem;
  margin-top: 0.6rem;
}

body.page-privacy .accordion-item {
  margin-top: 0.9rem;
  background: #f8fbff;
  border: 1px solid #d0d9e3;
  border-left: 5px solid #89a8c5;
  border-radius: 8px;
  overflow: hidden;
}

body.page-privacy .accordion-item:nth-of-type(even) {
  border-left-color: #9cb94b;
}

body.page-privacy .accordion-item summary {
  list-style: none;
  cursor: pointer;
  padding: 1.1rem 1.35rem;
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 1.36rem;
  font-weight: 800;
  text-transform: uppercase;
  color: #1f2f40;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.8rem;
}

body.page-privacy .accordion-item summary::-webkit-details-marker {
  display: none;
}

body.page-privacy .accordion-item summary::after {
  content: '+';
  font-size: 1.3rem;
  line-height: 1;
  color: #36506a;
  transition: transform 0.2s ease;
}

body.page-privacy .accordion-item[open] summary::after {
  content: '−';
  transform: translateY(-1px);
}

body.page-privacy .accordion-body {
  padding: 0 1.35rem 1.25rem;
  border-top: 1px solid #d9e2eb;
}

body.page-privacy .accordion-body h3 {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 1.18rem;
  text-transform: uppercase;
  margin: 1rem 0 0.4rem;
  color: #2b4560;
}

body.page-privacy .accordion-body p,
body.page-privacy .accordion-body li {
  color: #30475f;
  line-height: 1.84;
  font-size: 1.06rem;
}

body.page-privacy .accordion-body ul,
body.page-privacy .accordion-body ol {
  padding-left: 1.2rem;
  margin: 0.35rem 0 1rem;
}

body.page-privacy .accordion-body li {
  margin: 0.3rem 0;
}

body.page-privacy .accordion-body a {
  color: #1f5a89;
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 2px;
}

body.page-404 .wrap {
  max-width: 820px;
  margin: 0 auto;
  padding: 8rem 2.5rem 5rem;
  text-align: center;
}

body.page-404 .sub {
  color: #d0d0d0;
  line-height: 1.75;
  margin: 1rem auto 0;
  max-width: 640px;
}

body.page-404 .btns {
  margin-top: 1.5rem;
  display: flex;
  gap: 0.8rem;
  justify-content: center;
  flex-wrap: wrap;
}

@media (max-width: 900px) {
  body.page-about .process-flow {
    grid-template-columns: 1fr;
  }

  body.page-about .flow-step::after {
    content: none;
  }

  body.page-404 .wrap {
    padding: 7rem 1.5rem 4rem;
  }
}