/* ============================================================
   GetEasy — main.css
   Editorial finance platform stylesheet
   ============================================================ */

/* ── Google Fonts ─────────────────────────────────────────── */
@import url('https://fonts.googleapis.com/css2?family=Sora:wght@400;500;600;700;800&family=DM+Sans:ital,opsz,wght@0,9..40,300;0,9..40,400;0,9..40,500;0,9..40,600;1,9..40,400&display=swap');

/* ── CSS Variables ────────────────────────────────────────── */
:root {
  --color-primary:        #4F46E5;
  --color-primary-dark:   #3730A3;
  --color-primary-light:  #EEF2FF;
  --color-cta:            #10B981;
  --color-cta-dark:       #059669;
  --color-bg:             #F1F5F9;
  --color-surface:        #FFFFFF;
  --color-border:         #E2E8F0;
  --color-border-strong:  #CBD5E1;
  --color-text:           #0F172A;
  --color-text-secondary: #475569;
  --color-text-muted:     #94A3B8;
  --color-up:             #10B981;
  --color-down:           #EF4444;
  --color-warning:        #F59E0B;
  --color-badge-bg:       #FFF7ED;
  --color-badge-text:     #C2410C;
  --color-usa:            #1D4ED8;
  --color-canada:         #DC2626;

  --font-heading:  'Sora', sans-serif;
  --font-body:     'DM Sans', sans-serif;

  --radius-sm:  4px;
  --radius-md:  8px;
  --radius-lg:  12px;
  --radius-xl:  16px;
  --radius-2xl: 24px;

  --shadow-xs:  0 1px 2px rgba(0,0,0,.05);
  --shadow-sm:  0 1px 3px rgba(0,0,0,.08), 0 1px 2px rgba(0,0,0,.04);
  --shadow-md:  0 4px 6px rgba(0,0,0,.05), 0 2px 4px rgba(0,0,0,.04);
  --shadow-lg:  0 10px 15px rgba(0,0,0,.06), 0 4px 6px rgba(0,0,0,.04);
  --shadow-xl:  0 20px 25px rgba(0,0,0,.07), 0 8px 10px rgba(0,0,0,.04);

  --header-h: 64px;
  --container-max: 1280px;
  --transition: 200ms ease;
}

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

html {
  font-size: 16px;
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-body);
  font-size: 1rem;
  line-height: 1.6;
  color: var(--color-text);
  background: var(--color-bg);
  -webkit-font-smoothing: antialiased;
}

img { display: block; max-width: 100%; height: auto; }
a  { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button { cursor: pointer; font-family: inherit; border: none; background: none; }
input, select, textarea { font-family: inherit; }

h1,h2,h3,h4,h5,h6 {
  font-family: var(--font-heading);
  font-weight: 700;
  line-height: 1.2;
  color: var(--color-text);
}

/* ── Skip Navigation ──────────────────────────────────────── */
.skip-nav {
  position: absolute;
  top: -100%;
  left: 0;
  z-index: 9999;
  padding: .75rem 1.5rem;
  background: var(--color-primary);
  color: #fff;
  font-weight: 600;
  border-radius: 0 0 var(--radius-md) 0;
  transition: top .2s;
}
.skip-nav:focus { top: 0; }

/* ── Container ────────────────────────────────────────────── */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 1.5rem;
}

/* ── Section Wrapper ─────────────────────────────────────── */
.section { padding: 5rem 0; }
.section--tight { padding: 3rem 0; }
.section--alt { background: var(--color-surface); }

.section__header {
  margin-bottom: 3rem;
  max-width: 640px;
}
.section__header--center {
  text-align: center;
  margin-left: auto;
  margin-right: auto;
}
.section__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--color-primary);
  margin-bottom: .75rem;
}
.section__eyebrow::before {
  content: '';
  display: inline-block;
  width: 20px;
  height: 2px;
  background: var(--color-primary);
  border-radius: 2px;
}
.section__title {
  font-size: clamp(1.625rem, 2.5vw, 2.25rem);
  font-weight: 800;
  margin-bottom: .75rem;
  color: var(--color-text);
}
.section__subtitle {
  font-size: 1.0625rem;
  color: var(--color-text-secondary);
  line-height: 1.65;
}

/* ── Buttons ──────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .5rem;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: .9375rem;
  padding: .6875rem 1.375rem;
  border-radius: var(--radius-md);
  transition: background var(--transition), color var(--transition), box-shadow var(--transition), transform var(--transition);
  white-space: nowrap;
  cursor: pointer;
  border: 1.5px solid transparent;
  text-decoration: none;
}
.btn:focus-visible {
  outline: 2px solid var(--color-primary);
  outline-offset: 2px;
}
.btn--primary {
  background: var(--color-primary);
  color: #fff;
  border-color: var(--color-primary);
}
.btn--primary:hover {
  background: var(--color-primary-dark);
  border-color: var(--color-primary-dark);
  box-shadow: 0 4px 12px rgba(79,70,229,.3);
  transform: translateY(-1px);
}
.btn--cta {
  background: var(--color-cta);
  color: #fff;
  border-color: var(--color-cta);
}
.btn--cta:hover {
  background: var(--color-cta-dark);
  border-color: var(--color-cta-dark);
  box-shadow: 0 4px 12px rgba(16,185,129,.3);
  transform: translateY(-1px);
}
.btn--outline {
  background: transparent;
  color: var(--color-primary);
  border-color: var(--color-primary);
}
.btn--outline:hover {
  background: var(--color-primary-light);
}
.btn--ghost {
  background: transparent;
  color: var(--color-text-secondary);
  border-color: var(--color-border);
}
.btn--ghost:hover {
  background: var(--color-bg);
  color: var(--color-text);
}
.btn--lg {
  font-size: 1.0625rem;
  padding: .875rem 1.875rem;
  border-radius: var(--radius-lg);
}
.btn--sm {
  font-size: .875rem;
  padding: .5rem 1rem;
}

/* ── Badge ────────────────────────────────────────────────── */
.badge {
  display: inline-flex;
  align-items: center;
  gap: .375rem;
  font-size: .75rem;
  font-weight: 700;
  padding: .25rem .625rem;
  border-radius: 100px;
}
.badge--primary { background: var(--color-primary-light); color: var(--color-primary); }
.badge--cta     { background: #ECFDF5; color: var(--color-cta-dark); }
.badge--warning { background: #FFFBEB; color: #92400E; }
.badge--usa     { background: #EFF6FF; color: var(--color-usa); }
.badge--canada  { background: #FEF2F2; color: var(--color-canada); }

/* ── Star Rating ──────────────────────────────────────────── */
.stars {
  display: inline-flex;
  align-items: center;
  gap: .25rem;
  font-size: .875rem;
  color: var(--color-warning);
}
.stars__count {
  font-size: .8125rem;
  color: var(--color-text-secondary);
  font-weight: 500;
  margin-left: .25rem;
}

/* ── ============================================================
   HEADER
   ============================================================ */

.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  width: 100%;
  background: var(--color-surface);
  border-bottom: 1px solid var(--color-border);
  box-shadow: var(--shadow-xs);
}

.header__inner {
  display: flex;
  align-items: center;
  height: var(--header-h);
  gap: 2rem;
}

/* Logo */
.header__logo {
  display: flex;
  align-items: center;
  gap: .5rem;
  flex-shrink: 0;
  text-decoration: none;
}
.header__logo-mark {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  background: var(--color-primary);
  border-radius: var(--radius-md);
}
.header__logo-mark svg { fill: #fff; }
.header__logo-text {
  font-family: var(--font-heading);
  font-size: 1.3125rem;
  font-weight: 800;
  color: var(--color-text);
  letter-spacing: -.02em;
}
.header__logo-text span { color: var(--color-primary); }

/* Primary Nav */
.header__nav {
  flex: 1;
  display: flex;
  align-items: center;
}
.nav__list {
  display: flex;
  align-items: center;
  gap: .125rem;
}
.nav__item { position: relative; }

.nav__link {
  display: flex;
  align-items: center;
  gap: .3rem;
  padding: .5rem .75rem;
  font-size: .875rem;
  font-weight: 500;
  color: var(--color-text-secondary);
  border-radius: var(--radius-sm);
  transition: color var(--transition), background var(--transition);
  white-space: nowrap;
}
.nav__link:hover,
.nav__link[aria-expanded="true"] {
  color: var(--color-primary);
  background: var(--color-primary-light);
}
.nav__link--flag {
  font-weight: 600;
  color: var(--color-text);
}
.nav__link svg.chevron {
  width: 14px;
  height: 14px;
  transition: transform var(--transition);
  flex-shrink: 0;
}
.nav__link[aria-expanded="true"] svg.chevron { transform: rotate(180deg); }

/* Dropdown */
.nav__dropdown {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  min-width: 240px;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  padding: .5rem;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-8px);
  transition: opacity .2s, transform .2s, visibility .2s;
  z-index: 200;
}
.nav__item:hover .nav__dropdown,
.nav__item:focus-within .nav__dropdown,
.nav__dropdown.is-open {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.nav__dropdown--wide { min-width: 480px; }
.dropdown__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: .25rem;
}
.dropdown__section-label {
  font-size: .6875rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--color-text-muted);
  padding: .5rem .75rem .25rem;
}
.dropdown__link {
  display: flex;
  align-items: center;
  gap: .625rem;
  padding: .5rem .75rem;
  font-size: .875rem;
  color: var(--color-text-secondary);
  border-radius: var(--radius-md);
  transition: color var(--transition), background var(--transition);
}
.dropdown__link:hover {
  color: var(--color-primary);
  background: var(--color-primary-light);
}
.dropdown__link-flag {
  font-size: .875rem;
}
.dropdown__divider {
  height: 1px;
  background: var(--color-border);
  margin: .375rem .75rem;
}

/* Header CTA */
.header__cta {
  display: flex;
  align-items: center;
  gap: .75rem;
  flex-shrink: 0;
}
.header__region-toggle {
  display: flex;
  align-items: center;
  gap: .25rem;
  font-size: .8125rem;
  font-weight: 600;
  color: var(--color-text-secondary);
  padding: .375rem .625rem;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  transition: all var(--transition);
}
.header__region-toggle:hover {
  border-color: var(--color-primary);
  color: var(--color-primary);
}

/* Mobile Hamburger */
.header__menu-btn {
  display: none;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 5px;
  width: 40px;
  height: 40px;
  border-radius: var(--radius-md);
  padding: .5rem;
  transition: background var(--transition);
}
.header__menu-btn:hover { background: var(--color-bg); }
.header__menu-btn span {
  display: block;
  width: 20px;
  height: 2px;
  background: var(--color-text);
  border-radius: 2px;
  transition: transform .3s, opacity .3s;
}
.header__menu-btn.is-active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.header__menu-btn.is-active span:nth-child(2) { opacity: 0; }
.header__menu-btn.is-active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile Nav Drawer */
.mobile-nav {
  display: none;
  position: fixed;
  inset: var(--header-h) 0 0 0;
  background: var(--color-surface);
  overflow-y: auto;
  z-index: 999;
  padding: 1.5rem;
  transform: translateX(100%);
  transition: transform .3s ease;
}
.mobile-nav.is-open { transform: translateX(0); }
.mobile-nav__section { margin-bottom: 2rem; }
.mobile-nav__title {
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--color-text-muted);
  margin-bottom: .75rem;
}
.mobile-nav__link {
  display: block;
  padding: .625rem 0;
  font-size: .9375rem;
  font-weight: 500;
  color: var(--color-text);
  border-bottom: 1px solid var(--color-border);
  transition: color var(--transition);
}
.mobile-nav__link:hover { color: var(--color-primary); }

/* ── ============================================================
   HERO
   ============================================================ */

.hero {
  background: var(--color-surface);
  border-bottom: 1px solid var(--color-border);
  padding: 4.5rem 0 5rem;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(79,70,229,.04) 0%, rgba(16,185,129,.03) 100%);
  pointer-events: none;
}
.hero__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.hero__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  font-size: .8125rem;
  font-weight: 600;
  color: var(--color-primary);
  background: var(--color-primary-light);
  padding: .375rem .875rem;
  border-radius: 100px;
  margin-bottom: 1.5rem;
  border: 1px solid rgba(79,70,229,.15);
}
.hero__title {
  font-size: clamp(2rem, 4vw, 3.125rem);
  font-weight: 800;
  line-height: 1.12;
  letter-spacing: -.03em;
  margin-bottom: 1.25rem;
  color: var(--color-text);
}
.hero__title em {
  font-style: normal;
  color: var(--color-primary);
}
.hero__description {
  font-size: 1.125rem;
  color: var(--color-text-secondary);
  line-height: 1.7;
  margin-bottom: 2rem;
  max-width: 520px;
}
.hero__actions {
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 2.5rem;
}
.hero__trust-bar {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  flex-wrap: wrap;
}
.hero__trust-item {
  display: flex;
  align-items: center;
  gap: .5rem;
  font-size: .875rem;
  color: var(--color-text-secondary);
  font-weight: 500;
}
.hero__trust-item svg { color: var(--color-cta); flex-shrink: 0; }

/* Hero Visual */
.hero__visual { position: relative; }
.hero__stats-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
.hero__stat-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: 1.5rem;
  box-shadow: var(--shadow-md);
  transition: transform .3s, box-shadow .3s;
}
.hero__stat-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
}
.hero__stat-card--featured {
  grid-column: span 2;
  background: var(--color-primary);
  color: #fff;
  border-color: transparent;
}
.hero__stat-label {
  font-size: .8125rem;
  font-weight: 500;
  color: var(--color-text-muted);
  margin-bottom: .5rem;
}
.hero__stat-card--featured .hero__stat-label { color: rgba(255,255,255,.7); }
.hero__stat-value {
  font-family: var(--font-heading);
  font-size: 1.875rem;
  font-weight: 800;
  letter-spacing: -.03em;
  line-height: 1;
}
.hero__stat-card--featured .hero__stat-value { color: #fff; }
.hero__stat-meta {
  font-size: .8125rem;
  margin-top: .375rem;
  color: var(--color-text-muted);
}
.hero__stat-card--featured .hero__stat-meta { color: rgba(255,255,255,.7); }

/* ── ============================================================
   CATEGORY CARDS
   ============================================================ */

.categories__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
}

.category-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: 1.5rem;
  display: flex;
  flex-direction: column;
  gap: .875rem;
  transition: border-color var(--transition), box-shadow var(--transition), transform .25s;
  cursor: pointer;
  text-decoration: none;
  color: inherit;
}
.category-card:hover {
  border-color: var(--color-primary);
  box-shadow: var(--shadow-lg);
  transform: translateY(-3px);
}
.category-card__icon {
  width: 44px;
  height: 44px;
  background: var(--color-primary-light);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-primary);
  flex-shrink: 0;
}
.category-card__icon svg { width: 22px; height: 22px; }
.category-card__name {
  font-family: var(--font-heading);
  font-size: .9375rem;
  font-weight: 700;
  color: var(--color-text);
}
.category-card__desc {
  font-size: .8125rem;
  color: var(--color-text-secondary);
  line-height: 1.5;
  flex: 1;
}
.category-card__links {
  display: flex;
  gap: .625rem;
}
.category-card__region-link {
  display: inline-flex;
  align-items: center;
  gap: .3rem;
  font-size: .75rem;
  font-weight: 600;
  padding: .3125rem .625rem;
  border-radius: var(--radius-sm);
  transition: background var(--transition);
  text-decoration: none;
}
.category-card__region-link--usa {
  color: var(--color-usa);
  background: #EFF6FF;
}
.category-card__region-link--usa:hover { background: #DBEAFE; }
.category-card__region-link--ca {
  color: var(--color-canada);
  background: #FEF2F2;
}
.category-card__region-link--ca:hover { background: #FEE2E2; }

/* ── ============================================================
   BEST PICKS
   ============================================================ */

.picks-tabs {
  display: flex;
  gap: .5rem;
  flex-wrap: wrap;
  margin-bottom: 2rem;
  border-bottom: 2px solid var(--color-border);
  padding-bottom: .5rem;
}
.picks-tab {
  padding: .5rem 1.125rem;
  font-size: .875rem;
  font-weight: 600;
  color: var(--color-text-secondary);
  border-radius: var(--radius-md) var(--radius-md) 0 0;
  border: 1.5px solid transparent;
  border-bottom: none;
  transition: all var(--transition);
  cursor: pointer;
  background: none;
}
.picks-tab:hover { color: var(--color-primary); }
.picks-tab.is-active {
  color: var(--color-primary);
  background: var(--color-surface);
  border-color: var(--color-border);
  border-bottom-color: var(--color-surface);
  margin-bottom: -2px;
}

.picks-panel { display: none; }
.picks-panel.is-active { display: block; }

.picks-table {
  width: 100%;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  overflow: hidden;
  background: var(--color-surface);
  box-shadow: var(--shadow-sm);
}
.picks-table__header {
  display: grid;
  grid-template-columns: 2fr 1fr 1.25fr 1.5fr auto;
  gap: 1rem;
  padding: .875rem 1.5rem;
  background: var(--color-bg);
  border-bottom: 1px solid var(--color-border);
  font-size: .75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--color-text-muted);
}
.pick-row {
  display: grid;
  grid-template-columns: 2fr 1fr 1.25fr 1.5fr auto;
  gap: 1rem;
  padding: 1.25rem 1.5rem;
  align-items: center;
  border-bottom: 1px solid var(--color-border);
  transition: background var(--transition);
}
.pick-row:last-child { border-bottom: none; }
.pick-row:hover { background: rgba(79,70,229,.02); }

.pick-row__lender {
  display: flex;
  align-items: center;
  gap: 1rem;
}
.pick-row__lender-logo {
  width: 48px;
  height: 32px;
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-size: .6875rem;
  font-weight: 700;
  color: var(--color-text-secondary);
  flex-shrink: 0;
  overflow: hidden;
}
.pick-row__lender-info {}
.pick-row__lender-name {
  font-weight: 700;
  font-size: .9375rem;
  color: var(--color-text);
  margin-bottom: .25rem;
}
.pick-row__badge { display: block; }

.pick-row__rating {
  font-size: .875rem;
  color: var(--color-text-secondary);
}
.pick-row__rating-score {
  font-family: var(--font-heading);
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--color-text);
}
.pick-row__rating-count {
  font-size: .75rem;
  color: var(--color-text-muted);
}

.pick-row__apr {
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 700;
  color: var(--color-text);
}
.pick-row__apr span {
  display: block;
  font-family: var(--font-body);
  font-size: .75rem;
  font-weight: 400;
  color: var(--color-text-muted);
}

.pick-row__highlights {
  font-size: .8125rem;
  color: var(--color-text-secondary);
  line-height: 1.5;
}
.pick-row__highlights li {
  position: relative;
  padding-left: .875rem;
  margin-bottom: .1875rem;
}
.pick-row__highlights li::before {
  content: '';
  position: absolute;
  left: 0;
  top: .5em;
  width: 5px;
  height: 5px;
  background: var(--color-cta);
  border-radius: 50%;
}
.pick-row__cta { text-align: right; }

.picks-disclaimer {
  margin-top: .875rem;
  font-size: .75rem;
  color: var(--color-text-muted);
  line-height: 1.5;
}

/* ── ============================================================
   USA VS CANADA
   ============================================================ */

.regions__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
}
.region-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-2xl);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: box-shadow .3s;
}
.region-card:hover { box-shadow: var(--shadow-xl); }
.region-card__header {
  padding: 2rem 2rem 1.5rem;
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 1rem;
}
.region-card__header--usa { background: linear-gradient(135deg, #EFF6FF 0%, #F0F9FF 100%); border-bottom: 2px solid #BFDBFE; }
.region-card__header--ca  { background: linear-gradient(135deg, #FEF2F2 0%, #FFF5F5 100%); border-bottom: 2px solid #FECACA; }

.region-card__flag { font-size: 2.5rem; line-height: 1; }
.region-card__title {
  font-family: var(--font-heading);
  font-size: 1.375rem;
  font-weight: 800;
  color: var(--color-text);
  margin-bottom: .25rem;
}
.region-card__subtitle { font-size: .875rem; color: var(--color-text-secondary); }
.region-card__body { padding: 1.5rem 2rem 2rem; }
.region-card__links {
  display: flex;
  flex-direction: column;
  gap: .5rem;
}
.region-card__link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: .75rem .875rem;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  font-size: .9rem;
  font-weight: 500;
  color: var(--color-text);
  background: var(--color-bg);
  transition: all var(--transition);
  text-decoration: none;
}
.region-card__link:hover {
  border-color: var(--color-primary);
  color: var(--color-primary);
  background: var(--color-primary-light);
}
.region-card__link svg { width: 16px; height: 16px; opacity: .5; }
.region-card__link:hover svg { opacity: 1; }

/* ── ============================================================
   CALCULATORS
   ============================================================ */

.calc__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
}
.calc-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: 1.75rem 1.5rem;
  text-decoration: none;
  color: inherit;
  display: flex;
  flex-direction: column;
  gap: .75rem;
  transition: all .25s;
  position: relative;
  overflow: hidden;
}
.calc-card::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 3px;
  background: var(--color-primary);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .3s;
}
.calc-card:hover {
  border-color: var(--color-primary);
  box-shadow: var(--shadow-lg);
  transform: translateY(-3px);
}
.calc-card:hover::after { transform: scaleX(1); }
.calc-card__icon {
  width: 44px; height: 44px;
  background: var(--color-primary-light);
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  color: var(--color-primary);
}
.calc-card__icon svg { width: 22px; height: 22px; }
.calc-card__title {
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 700;
  color: var(--color-text);
}
.calc-card__desc {
  font-size: .8125rem;
  color: var(--color-text-secondary);
  line-height: 1.55;
  flex: 1;
}
.calc-card__cta {
  display: flex;
  align-items: center;
  gap: .375rem;
  font-size: .8125rem;
  font-weight: 600;
  color: var(--color-primary);
  margin-top: .25rem;
}
.calc-card__cta svg { width: 14px; height: 14px; }

/* ── ============================================================
   PRODUCT COMPARISON
   ============================================================ */

.compare__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
  margin-bottom: 2rem;
}
.compare-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
  gap: 1rem;
  transition: all .25s;
}
.compare-card:hover {
  box-shadow: var(--shadow-lg);
  border-color: var(--color-primary);
}
.compare-card--featured {
  border-color: var(--color-primary);
  background: linear-gradient(160deg, #FAFAFE 0%, var(--color-surface) 100%);
  position: relative;
}
.compare-card__featured-label {
  position: absolute;
  top: -1px; right: 1.25rem;
  background: var(--color-primary);
  color: #fff;
  font-size: .6875rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  padding: .25rem .75rem;
  border-radius: 0 0 var(--radius-md) var(--radius-md);
}
.compare-card__top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
}
.compare-card__lender {
  font-family: var(--font-heading);
  font-size: 1.0625rem;
  font-weight: 700;
}
.compare-card__type {
  font-size: .75rem;
  color: var(--color-text-muted);
  font-weight: 500;
  margin-top: .125rem;
}
.compare-card__rating-num {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--color-primary);
}
.compare-card__metrics {
  display: flex;
  flex-direction: column;
  gap: .625rem;
}
.compare-card__metric {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: .5rem .625rem;
  background: var(--color-bg);
  border-radius: var(--radius-sm);
  font-size: .875rem;
}
.compare-card__metric-label { color: var(--color-text-secondary); font-weight: 500; }
.compare-card__metric-value { font-weight: 700; color: var(--color-text); font-family: var(--font-heading); }
.compare-card__highlights { flex: 1; }
.compare-card__highlights li {
  display: flex;
  align-items: flex-start;
  gap: .5rem;
  font-size: .8125rem;
  color: var(--color-text-secondary);
  padding: .25rem 0;
  border-bottom: 1px dashed var(--color-border);
}
.compare-card__highlights li:last-child { border-bottom: none; }
.compare-card__highlights li svg {
  width: 14px; height: 14px;
  flex-shrink: 0;
  margin-top: .125rem;
  color: var(--color-cta);
}

/* ── ============================================================
   GUIDES
   ============================================================ */

.guides__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}
.guide-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: all .25s;
  text-decoration: none;
  color: inherit;
}
.guide-card:hover {
  box-shadow: var(--shadow-xl);
  transform: translateY(-3px);
  border-color: var(--color-primary);
}
.guide-card__img {
  height: 160px;
  background: linear-gradient(135deg, var(--color-primary-light), #EDE9FE);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
}
.guide-card__img-icon {
  font-size: 3rem;
  opacity: .25;
  font-family: var(--font-heading);
  font-weight: 800;
  color: var(--color-primary);
  user-select: none;
}
.guide-card__category {
  position: absolute;
  top: .875rem;
  left: .875rem;
}
.guide-card__body { padding: 1.5rem; flex: 1; display: flex; flex-direction: column; gap: .625rem; }
.guide-card__title {
  font-family: var(--font-heading);
  font-size: 1.0625rem;
  font-weight: 700;
  line-height: 1.3;
  color: var(--color-text);
}
.guide-card__excerpt {
  font-size: .875rem;
  color: var(--color-text-secondary);
  line-height: 1.55;
  flex: 1;
}
.guide-card__meta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-top: .5rem;
}
.guide-card__read-time {
  font-size: .75rem;
  color: var(--color-text-muted);
  font-weight: 500;
}
.guide-card__arrow {
  display: flex;
  align-items: center;
  gap: .25rem;
  font-size: .8125rem;
  font-weight: 600;
  color: var(--color-primary);
}
.guide-card__arrow svg { width: 14px; height: 14px; }

/* ── ============================================================
   MARKET SNAPSHOT
   ============================================================ */

.market__intro {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  margin-bottom: 1.5rem;
  gap: 1rem;
}
.market__updated {
  font-size: .8125rem;
  color: var(--color-text-muted);
}
.market__updated span { color: var(--color-cta); font-weight: 600; }

.market__grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 1rem;
}
.market-tile {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 1.25rem;
  display: flex;
  flex-direction: column;
  gap: .375rem;
  transition: all .25s;
}
.market-tile:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--color-border-strong);
}
.market-tile__ticker {
  font-size: .6875rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--color-text-muted);
}
.market-tile__label {
  font-size: .875rem;
  font-weight: 600;
  color: var(--color-text);
}
.market-tile__value {
  font-family: var(--font-heading);
  font-size: 1.1875rem;
  font-weight: 800;
  color: var(--color-text);
  margin-top: .125rem;
}
.market-tile__change {
  display: inline-flex;
  align-items: center;
  gap: .25rem;
  font-size: .8125rem;
  font-weight: 700;
  margin-top: .125rem;
}
.market-tile__change--up { color: var(--color-up); }
.market-tile__change--down { color: var(--color-down); }
.market-tile__change svg { width: 12px; height: 12px; }

/* ── ============================================================
   TRUST SECTION
   ============================================================ */

.trust__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}
.trust-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: 2rem 1.5rem;
  text-align: center;
  transition: all .25s;
}
.trust-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--color-primary);
}
.trust-card__icon {
  width: 52px; height: 52px;
  background: var(--color-primary-light);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--color-primary);
  margin: 0 auto 1.25rem;
}
.trust-card__icon svg { width: 26px; height: 26px; }
.trust-card__stat {
  font-family: var(--font-heading);
  font-size: 2rem;
  font-weight: 800;
  color: var(--color-primary);
  margin-bottom: .375rem;
}
.trust-card__label {
  font-size: .9375rem;
  font-weight: 600;
  color: var(--color-text);
  margin-bottom: .5rem;
}
.trust-card__desc {
  font-size: .8125rem;
  color: var(--color-text-secondary);
  line-height: 1.55;
}

/* ── ============================================================
   FAQ
   ============================================================ */

.faq__list {
  max-width: 800px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: .75rem;
}
.faq-item {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: border-color .2s;
}
.faq-item.is-open { border-color: var(--color-primary); }
.faq-item__btn {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1.25rem 1.5rem;
  text-align: left;
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 600;
  color: var(--color-text);
  background: none;
  cursor: pointer;
  transition: color .2s;
}
.faq-item.is-open .faq-item__btn { color: var(--color-primary); }
.faq-item__icon {
  flex-shrink: 0;
  width: 28px; height: 28px;
  background: var(--color-bg);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  transition: background .2s, transform .3s;
}
.faq-item.is-open .faq-item__icon {
  background: var(--color-primary-light);
  transform: rotate(45deg);
}
.faq-item__icon svg { width: 14px; height: 14px; }
.faq-item.is-open .faq-item__icon svg { color: var(--color-primary); }
.faq-item__body {
  max-height: 0;
  overflow: hidden;
  transition: max-height .35s ease, padding .35s ease;
}
.faq-item.is-open .faq-item__body { max-height: 400px; }
.faq-item__content {
  padding: 0 1.5rem 1.25rem;
  font-size: .9375rem;
  color: var(--color-text-secondary);
  line-height: 1.7;
  border-top: 1px solid var(--color-border);
  padding-top: 1.125rem;
}

/* ── ============================================================
   FINAL CTA BANNER
   ============================================================ */

.cta-banner {
  background: linear-gradient(135deg, var(--color-primary) 0%, #3730A3 50%, #1E1B4B 100%);
  border-radius: var(--radius-2xl);
  padding: 4rem 3rem;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Ccircle cx='30' cy='30' r='20'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  pointer-events: none;
}
.cta-banner__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  font-size: .8125rem;
  font-weight: 600;
  color: rgba(255,255,255,.7);
  background: rgba(255,255,255,.1);
  padding: .375rem .875rem;
  border-radius: 100px;
  margin-bottom: 1.5rem;
  border: 1px solid rgba(255,255,255,.15);
}
.cta-banner__title {
  font-size: clamp(1.75rem, 3.5vw, 2.625rem);
  font-weight: 800;
  color: #fff;
  margin-bottom: 1rem;
  letter-spacing: -.03em;
  max-width: 640px;
  margin-left: auto;
  margin-right: auto;
}
.cta-banner__subtitle {
  font-size: 1.0625rem;
  color: rgba(255,255,255,.75);
  margin-bottom: 2rem;
  max-width: 480px;
  margin-left: auto;
  margin-right: auto;
}
.cta-banner__actions {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 1rem;
  flex-wrap: wrap;
}
.cta-banner .btn--cta {
  background: var(--color-cta);
  font-size: 1rem;
  padding: .875rem 2rem;
}
.cta-banner .btn--outline-white {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  font-weight: 600;
  font-size: .9375rem;
  padding: .875rem 1.75rem;
  border-radius: var(--radius-md);
  border: 1.5px solid rgba(255,255,255,.35);
  color: #fff;
  transition: all var(--transition);
}
.cta-banner .btn--outline-white:hover { background: rgba(255,255,255,.1); border-color: rgba(255,255,255,.6); }

/* ── ============================================================
   FOOTER
   ============================================================ */

.site-footer {
  background: #0F172A;
  color: rgba(255,255,255,.8);
  padding-top: 4rem;
}
.footer__top {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr 1fr;
  gap: 3rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.footer__brand {}
.footer__logo {
  display: flex;
  align-items: center;
  gap: .5rem;
  margin-bottom: 1rem;
}
.footer__logo-mark {
  width: 36px; height: 36px;
  background: var(--color-primary);
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
}
.footer__logo-mark svg { fill: #fff; }
.footer__logo-text {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: 800;
  color: #fff;
  letter-spacing: -.02em;
}
.footer__tagline {
  font-size: .875rem;
  color: rgba(255,255,255,.55);
  line-height: 1.65;
  margin-bottom: 1.5rem;
  max-width: 240px;
}
.footer__badges {
  display: flex;
  flex-direction: column;
  gap: .5rem;
}
.footer__badge {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  font-size: .75rem;
  font-weight: 600;
  color: rgba(255,255,255,.5);
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.08);
  padding: .375rem .75rem;
  border-radius: var(--radius-md);
  max-width: fit-content;
}
.footer__badge svg { width: 14px; height: 14px; color: var(--color-cta); }

.footer__col-title {
  font-family: var(--font-heading);
  font-size: .875rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: 1.25rem;
  letter-spacing: -.01em;
}
.footer__col-links { display: flex; flex-direction: column; gap: .5rem; }
.footer__col-link {
  font-size: .875rem;
  color: rgba(255,255,255,.55);
  transition: color var(--transition);
  text-decoration: none;
}
.footer__col-link:hover { color: #fff; }

.footer__bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.5rem 0;
  gap: 1rem;
  flex-wrap: wrap;
}
.footer__copyright {
  font-size: .8125rem;
  color: rgba(255,255,255,.4);
}
.footer__legal-links {
  display: flex;
  gap: 1.5rem;
  flex-wrap: wrap;
}
.footer__legal-link {
  font-size: .8125rem;
  color: rgba(255,255,255,.4);
  transition: color var(--transition);
}
.footer__legal-link:hover { color: rgba(255,255,255,.8); }

.footer__disclaimer {
  padding: 1.5rem 0;
  border-top: 1px solid rgba(255,255,255,.06);
  font-size: .75rem;
  color: rgba(255,255,255,.3);
  line-height: 1.6;
}

/* ── ============================================================
   ANIMATIONS (IntersectionObserver targets)
   ============================================================ */

.fade-up {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity .55s ease, transform .55s ease;
}
.fade-up.is-visible {
  opacity: 1;
  transform: translateY(0);
}
.fade-up-delay-1 { transition-delay: .1s; }
.fade-up-delay-2 { transition-delay: .2s; }
.fade-up-delay-3 { transition-delay: .3s; }
.fade-up-delay-4 { transition-delay: .4s; }

/* ── ============================================================
   RESPONSIVE
   ============================================================ */

@media (max-width: 1100px) {
  .header__nav { display: none; }
  .header__menu-btn { display: flex; }
  .mobile-nav { display: block; }
  .header__cta .btn { display: none; }

  .categories__grid { grid-template-columns: repeat(2, 1fr); }
  .calc__grid { grid-template-columns: repeat(2, 1fr); }
  .compare__grid { grid-template-columns: 1fr 1fr; }
  .market__grid { grid-template-columns: repeat(3, 1fr); }
  .trust__grid { grid-template-columns: repeat(2, 1fr); }
  .footer__top { grid-template-columns: 1fr 1fr; gap: 2rem; }
  .footer__brand { grid-column: span 2; }

  .picks-table__header,
  .pick-row { grid-template-columns: 1.5fr 1fr 1fr auto; }
  .picks-table__header > *:nth-child(4),
  .pick-row > *:nth-child(4) { display: none; }
}

@media (max-width: 768px) {
  .hero__inner { grid-template-columns: 1fr; }
  .hero__visual { display: none; }
  .hero { padding: 3rem 0 3.5rem; }

  .categories__grid { grid-template-columns: 1fr 1fr; }
  .regions__grid { grid-template-columns: 1fr; }
  .calc__grid { grid-template-columns: 1fr; }
  .compare__grid { grid-template-columns: 1fr; }
  .guides__grid { grid-template-columns: 1fr; }
  .market__grid { grid-template-columns: repeat(2, 1fr); }
  .trust__grid { grid-template-columns: 1fr 1fr; }
  .footer__top { grid-template-columns: 1fr 1fr; }
  .footer__brand { grid-column: span 2; }
  .footer__bottom { flex-direction: column; align-items: flex-start; }

  .picks-table__header,
  .pick-row { grid-template-columns: 1fr 1fr auto; }
  .picks-table__header > *:nth-child(3),
  .pick-row > *:nth-child(3) { display: none; }

  .section { padding: 3rem 0; }
  .cta-banner { padding: 2.5rem 1.5rem; }
}

@media (max-width: 480px) {
  .categories__grid { grid-template-columns: 1fr; }
  .market__grid { grid-template-columns: 1fr 1fr; }
  .trust__grid { grid-template-columns: 1fr; }
  .hero__actions { flex-direction: column; align-items: flex-start; }
  .footer__top { grid-template-columns: 1fr; }
  .footer__brand { grid-column: span 1; }
}

/* ── Utility ──────────────────────────────────────────────── */
.text-center { text-align: center; }
.sr-only {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border-width: 0;
}
.mt-2 { margin-top: 2rem; }
.view-all-link {
  display: inline-flex;
  align-items: center;
  gap: .375rem;
  font-size: .9rem;
  font-weight: 600;
  color: var(--color-primary);
  transition: gap var(--transition);
}
.view-all-link:hover { gap: .625rem; }
.view-all-link svg { width: 16px; height: 16px; }