/* ==========================================================================
   Providence Credit Union - Design System CSS
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. Design Tokens & CSS Variables
   -------------------------------------------------------------------------- */
:root {
  /* Brand Palette - Primary */
  --primary-navy: #00579A;
  --primary-sky: #0284C7;
  --text-slate: #0F171F;

  /* Brand Palette - Accents */
  --accent-cyan: #7DD3FC;
  --accent-teal: #0891B2;
  --accent-navy-light: #0369A1;
  --accent-navy-darker: #1E3A5F;
  --accent-navy-darkest: #152A45;

  /* Brand Palette - Neutrals */
  --neutral-white: #FFFFFF;
  --neutral-off-white: #FAFAFA;
  --neutral-light-gray: #F8F8F8;
  --neutral-light-blue: #EDF2F8;
  --neutral-border-gray: #D9DFE5;
  --neutral-charcoal: #262626;
  --neutral-black: #000000;

  /* Status Colors */
  --status-warning-gold: #F0C14B;
  --status-warning-orange: #F99C00;
  --status-error-red: #E40014;

  /* Fonts */
  --font-family-primary: "Segoe UI", -apple-system, BlinkMacSystemFont, "Helvetica Neue", sans-serif;

  /* Border Radii */
  --radius-none: 0px;
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 16px;
  --radius-xl: 20px;
  --radius-pill: 9999px;

  /* Elevation (Shadows) */
  --shadow-none: none;
  --shadow-sm: rgba(0, 0, 0, 0.1) 0px 1px 3px 0px, rgba(0, 0, 0, 0.1) 0px 1px 2px -1px;
  --shadow-md: rgba(0, 0, 0, 0.05) 0px 1px 2px 0px;
  --shadow-lg: rgba(0, 0, 0, 0.25) 0px 25px 50px -12px;
  --shadow-xl: rgba(0, 0, 0, 0.1) 0px 10px 15px -3px, rgba(0, 0, 0, 0.1) 0px 4px 6px -4px;

  /* Spacing Scale (8px base) */
  --space-4: 4px;
  --space-8: 8px;
  --space-12: 12px;
  --space-16: 16px;
  --space-20: 20px;
  --space-24: 24px;
  --space-32: 32px;
  --space-40: 40px;
  --space-48: 48px;
  --space-64: 64px;
  --space-80: 80px;
  --space-96: 96px;

  /* Max Content Container */
  --max-width: 1440px;

  /* Transitions */
  --transition-fast: 0.2s ease-in-out;
  --transition-normal: 0.3s ease-in-out;
}

/* --------------------------------------------------------------------------
   2. Document Reset & Global Base
   -------------------------------------------------------------------------- */
* {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

body {
  font-family: var(--font-family-primary);
  color: var(--text-slate);
  background-color: var(--neutral-white);
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

a {
  color: var(--primary-sky);
  text-decoration: underline;
  transition: color var(--transition-fast), text-decoration var(--transition-fast);
}

a:hover {
  color: var(--accent-navy-light);
  text-decoration: underline solid 2px;
}

a:active {
  color: var(--primary-navy);
}

a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible {
  outline: 2px solid var(--accent-cyan);
  outline-offset: 2px;
}

/* Icons */
svg {
  display: inline-block;
  vertical-align: middle;
}

/* --------------------------------------------------------------------------
   3. Typography Rules
   -------------------------------------------------------------------------- */
h1,
h2,
h3,
h4,
h5,
h6 {
  font-weight: 700;
  color: var(--text-slate);
}

h1 {
  font-size: 20px;
  line-height: 25px;
  letter-spacing: 0px;
}

h2 {
  font-size: 30px;
  line-height: 36px;
  letter-spacing: 0px;
}

h3 {
  font-size: 24px;
  line-height: 32px;
  letter-spacing: 0px;
}

p,
li {
  font-size: 14px;
  font-weight: 400;
  line-height: 20px;
  color: var(--neutral-charcoal);
}

ul {
  list-style: none;
}

.text-caption {
  font-size: 12px;
  font-weight: 400;
  line-height: 16px;
  color: var(--neutral-charcoal);
  opacity: 0.8;
}

.font-bold {
  font-weight: 700;
}

.font-medium {
  font-weight: 500;
}

/* Visibility utilities — mobile-only elements hidden on desktop by default */
.mobile-only {
  display: none;
}

@media (min-width: 768px) {
  .mobile-only {
    display: none !important;
  }
}

@media (max-width: 767px) {
  .mobile-hide {
    display: none !important;
  }
}

/* --------------------------------------------------------------------------
   4. Layout & Grid
   -------------------------------------------------------------------------- */
.container {
  max-width: var(--max-width);
  margin-left: auto;
  margin-right: auto;
  padding-left: var(--space-40);
  padding-right: var(--space-40);
}

.grid {
  display: grid;
  grid-template-columns: repeat(12, 1fr);
  gap: var(--space-24);
}

.flex {
  display: flex;
}

.flex-col {
  flex-direction: column;
}

.items-center {
  align-items: center;
}

.justify-between {
  justify-content: space-between;
}

.justify-center {
  justify-content: center;
}

.gap-4 {
  gap: var(--space-4);
}

.gap-8 {
  gap: var(--space-8);
}

.gap-12 {
  gap: var(--space-12);
}

.gap-16 {
  gap: var(--space-16);
}

.gap-20 {
  gap: var(--space-20);
}

.gap-24 {
  gap: var(--space-24);
}

.gap-32 {
  gap: var(--space-32);
}

/* Spacing Helpers */
.py-8 {
  padding-top: var(--space-8);
  padding-bottom: var(--space-8);
}

.py-16 {
  padding-top: var(--space-16);
  padding-bottom: var(--space-16);
}

.py-24 {
  padding-top: var(--space-24);
  padding-bottom: var(--space-24);
}

.py-32 {
  padding-top: var(--space-32);
  padding-bottom: var(--space-32);
}

.py-40 {
  padding-top: var(--space-40);
  padding-bottom: var(--space-40);
}

.py-64 {
  padding-top: var(--space-64);
  padding-bottom: var(--space-64);
}

.px-16 {
  padding-left: var(--space-16);
  padding-right: var(--space-16);
}

.px-24 {
  padding-left: var(--space-24);
  padding-right: var(--space-24);
}

.px-32 {
  padding-left: var(--space-32);
  padding-right: var(--space-32);
}

.mb-8 {
  margin-bottom: var(--space-8);
}

.mb-12 {
  margin-bottom: var(--space-12);
}

.mb-16 {
  margin-bottom: var(--space-16);
}

.mb-24 {
  margin-bottom: var(--space-24);
}

.mb-32 {
  margin-bottom: var(--space-32);
}

.mb-40 {
  margin-bottom: var(--space-40);
}

/* --------------------------------------------------------------------------
   5. Interactive Components (Buttons, Inputs, Sliders)
   -------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  height: 36px;
  padding: 8px 16px;
  border-radius: var(--radius-sm);
  font-family: var(--font-family-primary);
  font-size: 14px;
  font-weight: 500;
  line-height: 20px;
  text-decoration: none;
  cursor: pointer;
  transition: all var(--transition-fast);
  text-align: center;
  border: none;
  white-space: nowrap;
}

.btn-primary {
  background-color: var(--primary-sky);
  color: var(--neutral-white);
  box-shadow: var(--shadow-md);
}

.btn-primary:hover {
  background-color: var(--accent-navy-light);
  box-shadow: rgba(0, 0, 0, 0.1) 0px 4px 6px -4px;
  color: var(--neutral-white);
  text-decoration: none;
}

.btn-primary:active {
  background-color: var(--primary-navy);
}

.btn-secondary {
  background-color: var(--neutral-white);
  color: var(--primary-sky);
  border: 2px solid var(--primary-sky);
}

.btn-secondary:hover {
  background-color: var(--neutral-light-blue);
  border-color: var(--accent-navy-light);
  color: var(--accent-navy-light);
  text-decoration: none;
}

.btn-secondary:active {
  background-color: #E8F4F8;
  border-color: var(--primary-navy);
}

.btn-ghost {
  background-color: transparent;
  color: var(--primary-sky);
}

.btn-ghost:hover {
  background-color: var(--neutral-light-blue);
  text-decoration: none;
}

.btn-ghost:active {
  background-color: #D9E8F0;
}

.btn-disabled,
.btn:disabled {
  background-color: var(--neutral-light-gray);
  color: var(--neutral-charcoal);
  opacity: 0.6;
  cursor: not-allowed;
  box-shadow: none;
  pointer-events: none;
}

/* Inputs & Forms */
.form-group {
  display: flex;
  flex-direction: column;
  gap: var(--space-8);
  margin-bottom: var(--space-16);
}

.form-label {
  font-size: 14px;
  font-weight: 500;
  color: var(--text-slate);
}

.input-text {
  width: 100%;
  height: 40px;
  padding: 12px 16px;
  font-family: var(--font-family-primary);
  font-size: 14px;
  font-weight: 400;
  line-height: 20px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--neutral-border-gray);
  background-color: var(--neutral-white);
  color: var(--text-slate);
  box-shadow: var(--shadow-none);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}

.input-text:focus {
  outline: none;
  border-color: var(--primary-sky);
  box-shadow: 0px 0px 0px 3px rgba(2, 132, 199, 0.1);
}

.input-text-error {
  border-color: var(--status-error-red);
  box-shadow: 0px 0px 0px 3px rgba(228, 0, 20, 0.1);
}

.input-text-disabled,
.input-text:disabled {
  background-color: var(--neutral-light-gray);
  color: var(--neutral-charcoal);
  border-color: var(--neutral-border-gray);
  opacity: 0.6;
  cursor: not-allowed;
}

/* Checkbox */
.form-checkbox-container {
  display: flex;
  align-items: center;
  gap: var(--space-8);
  cursor: pointer;
  user-select: none;
  font-size: 14px;
}

.form-checkbox {
  width: 18px;
  height: 18px;
  border-radius: 4px;
  border: 1px solid var(--neutral-border-gray);
  accent-color: var(--primary-sky);
  cursor: pointer;
}

/* Range Slider */
.slider-container {
  position: relative;
  width: 100%;
  margin: var(--space-12) 0;
}

.slider-val-display {
  font-size: 24px;
  font-weight: 700;
  color: var(--primary-sky);
  margin-bottom: var(--space-4);
}

input[type="range"].range-slider {
  -webkit-appearance: none;
  width: 100%;
  height: 4px;
  border-radius: 2px;
  background: var(--neutral-border-gray);
  outline: none;
  margin: var(--space-12) 0;
  cursor: pointer;
}

/* Slider Track progress overlay background achieved dynamically via CSS variables set in Javascript */
input[type="range"].range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--primary-sky);
  box-shadow: rgba(0, 0, 0, 0.1) 0px 2px 4px 0px;
  transition: background var(--transition-fast), box-shadow var(--transition-fast);
}

input[type="range"].range-slider::-webkit-slider-thumb:hover {
  background: var(--accent-navy-light);
  box-shadow: rgba(0, 0, 0, 0.15) 0px 4px 8px 0px;
}

input[type="range"].range-slider::-moz-range-thumb {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--primary-sky);
  border: none;
  box-shadow: rgba(0, 0, 0, 0.1) 0px 2px 4px 0px;
  transition: background var(--transition-fast), box-shadow var(--transition-fast);
  cursor: pointer;
}

input[type="range"].range-slider::-moz-range-thumb:hover {
  background: var(--accent-navy-light);
  box-shadow: rgba(0, 0, 0, 0.15) 0px 4px 8px 0px;
}

/* --------------------------------------------------------------------------
   6. Cards & Containers
   -------------------------------------------------------------------------- */
.card {
  background-color: var(--neutral-white);
  color: var(--text-slate);
  padding: var(--space-32);
  border-radius: var(--radius-md);
  border: none;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-normal), box-shadow var(--transition-normal);
}

.card-elevated {
  background-color: var(--neutral-white);
  color: var(--text-slate);
  padding: var(--space-24);
  border-radius: var(--radius-lg);
  border: none;
  box-shadow: var(--shadow-xl);
}

.data-panel {
  background-color: var(--neutral-light-blue);
  color: var(--text-slate);
  padding: var(--space-20);
  border-radius: var(--radius-sm);
  border: 1px solid var(--neutral-border-gray);
  box-shadow: var(--shadow-none);
}

/* --------------------------------------------------------------------------
   7. Navigation & Header Component
   -------------------------------------------------------------------------- */
header.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  width: 100%;
  background-color: var(--neutral-white);
  box-shadow: var(--shadow-sm);
}

.top-utility-bar {
  border-bottom: 1px solid var(--neutral-border-gray);
  background-color: rgba(248, 248, 248, 0.9);
  padding: var(--space-8) 0;
}

.top-utility-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.utility-links {
  display: flex;
  align-items: center;
  gap: var(--space-16);
}

.utility-link {
  display: inline-flex;
  align-items: center;
  gap: var(--space-4);
  font-size: 13px;
  color: var(--neutral-charcoal);
  text-decoration: none;
}

.utility-link:hover {
  color: var(--primary-sky);
  text-decoration: none;
}

.main-nav-bar {
  height: 64px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.logo-link {
  display: flex;
  align-items: center;
  gap: var(--space-8);
  text-decoration: none;
}

.logo-icon-container {
  display: flex;
  height: 40px;
  width: 40px;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-sm);
  background-color: var(--primary-sky);
  color: var(--neutral-white);
}

.logo-text-container {
  display: flex;
  flex-direction: column;
}

.logo-text-primary {
  font-size: 18px;
  font-weight: 700;
  color: var(--primary-navy);
  line-height: 1.1;
}

.logo-text-secondary {
  font-size: 12px;
  color: var(--neutral-charcoal);
  line-height: 1;
}

.desktop-nav {
  display: flex;
  align-items: center;
  gap: var(--space-4);
  height: 100%;
}

.nav-item {
  position: relative;
  height: 100%;
  display: flex;
  align-items: center;
}

.nav-link {
  padding: 0 var(--space-16);
  height: 100%;
  display: flex;
  align-items: center;
  gap: var(--space-4);
  font-size: 14px;
  font-weight: 400;
  color: var(--text-slate);
  text-decoration: none;
  border-bottom: 3px solid transparent;
  transition: all var(--transition-fast);
  cursor: pointer;
  background: transparent;
  border-top: none;
  border-left: none;
  border-right: none;
}

.nav-link:hover {
  color: var(--accent-navy-light);
  background-color: rgba(2, 132, 199, 0.05);
  text-decoration: none;
}

.nav-item.active .nav-link {
  color: var(--primary-sky);
  font-weight: 500;
  border-bottom-color: var(--primary-sky);
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: var(--space-8);
}

.btn-hamburger {
  display: none;
  background: transparent;
  border: none;
  color: var(--text-slate);
  cursor: pointer;
  padding: var(--space-8);
  border-radius: var(--radius-sm);
}

.btn-hamburger:hover {
  background-color: var(--neutral-light-gray);
}

/* Mobile Nav Overlay Drawer */
.mobile-nav-overlay {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background-color: rgba(15, 23, 31, 0.7);
  z-index: 200;
  opacity: 0;
  pointer-events: none;
  transition: opacity var(--transition-normal);
}

.mobile-nav-overlay.open {
  opacity: 1;
  pointer-events: auto;
}

.mobile-nav-drawer {
  position: absolute;
  top: 0;
  right: -300px;
  width: 300px;
  height: 100%;
  background-color: var(--neutral-white);
  box-shadow: var(--shadow-lg);
  padding: var(--space-24);
  display: flex;
  flex-direction: column;
  gap: var(--space-24);
  transition: right var(--transition-normal);
}

.mobile-nav-overlay.open .mobile-nav-drawer {
  right: 0;
}

.mobile-drawer-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.btn-close-drawer {
  background: transparent;
  border: none;
  cursor: pointer;
  padding: var(--space-4);
}

.mobile-drawer-links {
  display: flex;
  flex-direction: column;
  gap: var(--space-8);
}

.mobile-drawer-link {
  padding: var(--space-12) var(--space-16);
  font-size: 16px;
  font-weight: 500;
  color: var(--text-slate);
  text-decoration: none;
  border-radius: var(--radius-sm);
  transition: background-color var(--transition-fast);
}

.mobile-drawer-link:hover {
  background-color: var(--neutral-light-blue);
  color: var(--primary-sky);
  text-decoration: none;
}

/* --------------------------------------------------------------------------
   8. Page Sections Styling (Hero Carousel, Calculator, Health, Sustainability)
   -------------------------------------------------------------------------- */

/* Hero Carousel */
.hero-section {
  position: relative;
  overflow: hidden;
  background: linear-gradient(135deg, var(--accent-navy-darker) 0%, var(--accent-navy-darkest) 100%);
  color: var(--neutral-white);
}

.hero-carousel-container {
  position: relative;
  height: 480px;
  display: flex;
  align-items: center;
}

.hero-carousel-slide {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  gap: var(--space-40);
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.8s ease-in-out;
  z-index: 1;
}

.hero-carousel-slide.active {
  opacity: 1;
  pointer-events: auto;
  z-index: 2;
}

.hero-slide-content {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: var(--space-24);
  z-index: 5;
}

.hero-title {
  font-size: 44px;
  line-height: 52px;
  color: var(--status-warning-gold);
  text-shadow: 0 2px 4px rgba(0, 0, 0, 0.2);
}

.hero-subtitle {
  font-size: 16px;
  line-height: 24px;
  color: var(--neutral-light-blue);
  max-width: 480px;
}

.hero-slide-image-wrapper {
  position: relative;
  width: 100%;
  height: 380px;
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-xl);
}

.hero-slide-image {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero-controls {
  position: absolute;
  bottom: var(--space-32);
  left: var(--space-40);
  display: flex;
  align-items: center;
  gap: var(--space-32);
  z-index: 10;
}

.hero-dots {
  display: flex;
  gap: var(--space-8);
}

.hero-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background-color: rgba(255, 255, 255, 0.4);
  border: none;
  cursor: pointer;
  transition: all var(--transition-fast);
}

.hero-dot:hover {
  background-color: rgba(255, 255, 255, 0.7);
}

.hero-dot.active {
  width: 32px;
  border-radius: var(--radius-pill);
  background-color: var(--neutral-white);
}

.hero-nav-btns {
  display: flex;
  gap: var(--space-8);
}

.hero-nav-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, 0.3);
  background: transparent;
  color: var(--neutral-white);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.hero-nav-btn:hover {
  background-color: rgba(255, 255, 255, 0.1);
  border-color: var(--neutral-white);
}

/* Quick Actions Subnav */
.quick-actions-section {
  background-color: var(--neutral-white);
  border-bottom: 1px solid var(--neutral-border-gray);
  padding: var(--space-16) 0;
}

.quick-actions-container {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: var(--space-16);
}

.quick-action-pill {
  display: flex;
  align-items: center;
  gap: var(--space-8);
  padding: var(--space-8) var(--space-20);
  border-radius: var(--radius-pill);
  border: 1px solid var(--neutral-border-gray);
  background-color: var(--neutral-white);
  color: var(--text-slate);
  font-size: 14px;
  font-weight: 500;
  text-decoration: none;
  transition: all var(--transition-fast);
}

.quick-action-pill:hover {
  border-color: var(--primary-sky);
  background-color: rgba(2, 132, 199, 0.05);
  color: var(--primary-sky);
  text-decoration: none;
}

.quick-action-pill svg {
  color: var(--primary-sky);
  transition: transform var(--transition-fast);
}

.quick-action-pill:hover svg {
  transform: scale(1.1);
}

/* Loan Calculator styling */
.calculator-header {
  text-align: center;
  margin-bottom: var(--space-32);
}

.loan-type-selector {
  display: flex;
  gap: var(--space-8);
  flex-wrap: wrap;
  margin-bottom: var(--space-24);
}

.loan-type-btn {
  display: flex;
  align-items: center;
  gap: var(--space-8);
  padding: 8px 16px;
  border-radius: var(--radius-pill);
  font-family: var(--font-family-primary);
  font-size: 14px;
  font-weight: 500;
  border: 1px solid var(--neutral-border-gray);
  background-color: var(--neutral-white);
  color: var(--text-slate);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.loan-type-btn:hover {
  border-color: var(--primary-sky);
  color: var(--primary-sky);
}

.loan-type-btn.active {
  background-color: var(--primary-sky);
  color: var(--neutral-white);
  border-color: var(--primary-sky);
}

.loan-type-btn.active svg {
  color: var(--neutral-white);
}

.calculator-results-wrapper {
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.calc-summary-text {
  font-size: 14px;
  color: var(--neutral-charcoal);
  margin-bottom: var(--space-16);
}

.calc-row-border {
  border-bottom: 1px solid var(--neutral-border-gray);
  padding-bottom: var(--space-16);
  margin-bottom: var(--space-16);
}

.calc-label {
  font-size: 14px;
  color: var(--neutral-charcoal);
}

.calc-value-large {
  font-size: 32px;
  font-weight: 700;
  color: var(--text-slate);
}

.calc-value-large span {
  font-size: 14px;
  font-weight: 400;
  color: var(--neutral-charcoal);
}

.calc-value-medium {
  font-size: 24px;
  font-weight: 700;
  color: var(--accent-teal);
}

.calc-value-small {
  font-size: 16px;
  font-weight: 500;
  color: var(--text-slate);
}

/* Sustainability grid */
.sustainability-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-24);
}

.sustainability-card {
  display: flex;
  flex-direction: column;
  gap: var(--space-20);
  background-color: var(--neutral-white);
  padding: var(--space-32);
  border-radius: var(--radius-md);
  border: 1px solid var(--neutral-border-gray);
  text-decoration: none;
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition-normal), border-color var(--transition-normal);
}

.sustainability-card.accented {
  border-color: rgba(8, 145, 178, 0.2);
  background-color: rgba(8, 145, 178, 0.03);
}

.sustainability-card:hover {
  box-shadow: var(--shadow-xl);
  border-color: rgba(8, 145, 178, 0.4);
  text-decoration: none;
}

.sus-icon-container {
  display: inline-flex;
  height: 48px;
  width: 48px;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-sm);
  background-color: var(--neutral-light-blue);
  color: var(--accent-teal);
  transition: transform var(--transition-fast);
}

.sustainability-card:hover .sus-icon-container {
  transform: translateY(-2px);
}

.sus-title {
  font-size: 18px;
  font-weight: 700;
  color: var(--text-slate);
  display: flex;
  align-items: center;
  gap: var(--space-8);
}

.sus-title svg {
  opacity: 0;
  transform: translateX(-8px);
  transition: all var(--transition-fast);
  color: var(--accent-teal);
}

.sustainability-card:hover .sus-title {
  color: var(--accent-teal);
}

.sustainability-card:hover .sus-title svg {
  opacity: 1;
  transform: translateX(0);
}

.sus-description {
  font-size: 14px;
  color: var(--neutral-charcoal);
  line-height: 20px;
}

/* Promo Health Section */
.health-visual-wrapper {
  position: relative;
  height: 100%;
  min-height: 400px;
  border-radius: var(--radius-none);
  overflow: hidden;
}

.health-visual-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.health-visual-gradient {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(0, 0, 0, 0.8) 0%, rgba(0, 0, 0, 0.2) 60%, transparent 100%);
}

.health-visual-text {
  position: absolute;
  bottom: var(--space-32);
  left: var(--space-32);
  right: var(--space-32);
  color: var(--neutral-white);
}

.health-visual-text h2 {
  color: var(--neutral-white);
  font-size: 32px;
  margin-bottom: var(--space-8);
}

.health-visual-text p {
  color: rgba(255, 255, 255, 0.9);
  max-width: 440px;
}

.health-card-panel {
  padding: var(--space-32);
  border-bottom: 1px solid var(--neutral-border-gray);
  flex: 1;
}

.health-card-panel:last-child {
  border-bottom: none;
}

.health-icon-badge {
  display: flex;
  height: 64px;
  width: 64px;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: linear-gradient(135deg, #0ea5e9 0%, #0284c7 100%);
  color: var(--neutral-white);
  box-shadow: var(--shadow-sm);
  flex-shrink: 0;
}

.health-icon-badge.teal-gradient {
  background: linear-gradient(135deg, #0891b2 0%, #0e7490 100%);
}

/* Channel blocks */
.channel-blocks-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
}

.channel-card-link {
  text-decoration: none;
  color: inherit;
}

.channel-card-link:hover,
.channel-card-link:active,
.channel-card-link:focus,
.channel-card-link:visited {
  text-decoration: none;
  color: inherit;
}

.channel-card-link .channel-content h3,
.channel-card-link .channel-content p {
  text-decoration: none;
}

.channel-card-link:hover .channel-content h3,
.channel-card-link:hover .channel-content p,
.channel-card-link:active .channel-content h3,
.channel-card-link:active .channel-content p {
  text-decoration: none;
}

.channel-card {
  position: relative;
  display: flex;
  min-height: 240px;
  align-items: center;
  justify-content: space-between;
  padding: var(--space-40);
  transition: all var(--transition-normal);
  color: var(--neutral-white);
  z-index: 1;
}

.channel-card.blue-channel {
  background-color: var(--primary-sky);
}

.channel-card.blue-channel:hover {
  background-color: var(--accent-navy-light);
  transform: scale(1.02);
  box-shadow: var(--shadow-xl);
  z-index: 5;
}

.channel-card.dark-channel {
  background-color: var(--accent-navy-darker);
}

.channel-card.dark-channel:hover {
  background-color: #234569;
  transform: scale(1.02);
  box-shadow: var(--shadow-xl);
  z-index: 5;
}

.channel-content {
  flex: 1;
  padding-right: var(--space-24);
}

.channel-content h3 {
  color: var(--neutral-white);
  margin-bottom: var(--space-12);
  transition: transform var(--transition-normal);
}

.channel-card:hover .channel-content h3 {
  transform: translateX(6px);
}

.channel-content p {
  color: var(--accent-cyan);
  transition: color var(--transition-normal);
}

.channel-card:hover .channel-content p {
  color: #bae6fd;
}

.channel-icon-container {
  display: flex;
  height: 80px;
  width: 80px;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-sm);
  background-color: var(--accent-navy-light);
  color: var(--accent-cyan);
  transition: all var(--transition-normal);
  flex-shrink: 0;
}

.channel-card.dark-channel .channel-icon-container {
  background-color: var(--accent-navy-darkest);
}

.channel-card:hover .channel-icon-container {
  transform: scale(1.1) rotate(3deg);
  color: var(--neutral-white);
  box-shadow: var(--shadow-xl);
}

/* Badge sections */
.badge-section {
  background-color: #e8eef3;
}

.badge-wrapper {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: var(--space-48);
}

.badge-item-link {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-16);
  text-decoration: none;
}

.badge-circle {
  display: flex;
  height: 100px;
  width: 100px;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background-color: var(--neutral-white);
  color: var(--primary-sky);
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-normal);
}

.badge-item-link:hover .badge-circle {
  box-shadow: var(--shadow-xl);
  transform: scale(1.1);
}

.badge-text {
  font-size: 15px;
  font-weight: 700;
  color: var(--text-slate);
  transition: color var(--transition-fast);
}

.badge-item-link:hover .badge-text {
  color: var(--primary-sky);
}

/* --------------------------------------------------------------------------
   9. Footer Styling
   -------------------------------------------------------------------------- */
footer.site-footer {
  border-top: 1px solid var(--neutral-border-gray);
  background-color: var(--neutral-white);
}

.footer-nav-grid {
  display: grid;
  grid-template-columns: 2fr repeat(4, 1fr);
  gap: var(--space-32);
}

.footer-brand-col {
  display: flex;
  flex-direction: column;
  gap: var(--space-20);
}

.footer-brand-desc {
  font-size: 13px;
  color: var(--neutral-charcoal);
  max-width: 260px;
  line-height: 18px;
}

.footer-contact-info {
  display: flex;
  flex-direction: column;
  gap: var(--space-12);
}

.footer-contact-item {
  display: flex;
  align-items: center;
  gap: var(--space-8);
  font-size: 13px;
  color: var(--neutral-charcoal);
}

.footer-contact-item svg {
  color: var(--neutral-charcoal);
  opacity: 0.7;
}

.footer-links-col h3 {
  font-size: 14px;
  font-weight: 700;
  margin-bottom: var(--space-16);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.footer-links-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-12);
}

.footer-link {
  font-size: 13px;
  color: var(--neutral-charcoal);
  text-decoration: none;
  transition: color var(--transition-fast);
}

.footer-link:hover {
  color: var(--primary-sky);
  text-decoration: none;
}

.footer-social-privacy {
  margin-top: var(--space-40);
  border-top: 1px solid var(--neutral-border-gray);
  padding-top: var(--space-24);
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: var(--space-16);
}

.social-links {
  display: flex;
  gap: var(--space-12);
}

.social-circle-link {
  display: flex;
  width: 36px;
  height: 36px;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  border: 1px solid var(--neutral-border-gray);
  color: var(--neutral-charcoal);
  text-decoration: none;
  transition: all var(--transition-fast);
}

.social-circle-link:hover {
  border-color: var(--primary-sky);
  color: var(--primary-sky);
  background-color: rgba(2, 132, 199, 0.05);
}

.privacy-links {
  display: flex;
  gap: var(--space-16);
}

.privacy-link {
  font-size: 13px;
  color: var(--neutral-charcoal);
  text-decoration: none;
  transition: color var(--transition-fast);
}

.privacy-link:hover {
  color: var(--primary-sky);
  text-decoration: none;
}

.footer-bottom-bar {
  border-top: 1px solid var(--neutral-border-gray);
  background-color: rgba(248, 248, 248, 0.5);
  padding: var(--space-16) 0;
}

.footer-bottom-container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: var(--space-8);
}

.footer-bottom-text {
  font-size: 12px;
  color: var(--neutral-charcoal);
  opacity: 0.8;
}

/* Floating chat button */
.btn-floating-chat {
  position: fixed;
  bottom: var(--space-24);
  right: var(--space-24);
  z-index: 90;
  display: flex;
  width: 56px;
  height: 56px;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background-color: var(--primary-sky);
  color: var(--neutral-white);
  border: none;
  box-shadow: var(--shadow-xl);
  cursor: pointer;
  transition: all var(--transition-normal);
}

.btn-floating-chat:hover {
  transform: scale(1.1);
  box-shadow: 0px 12px 20px rgba(0, 0, 0, 0.15);
  background-color: var(--accent-navy-light);
}

.btn-floating-chat:active {
  transform: scale(0.95);
}

/* Mobile sticky footer actions */
.mobile-sticky-footer {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  height: 48px;
  border-top: 1px solid var(--neutral-border-gray);
  background-color: #E5E5E5;
  z-index: 80;
}

.mobile-sticky-footer-container {
  display: flex;
  height: 100%;
  align-items: center;
}

.mobile-footer-action-btn {
  display: flex;
  flex: 1;
  height: 100%;
  align-items: center;
  justify-content: center;
  gap: var(--space-8);
  font-size: 14px;
  font-weight: 500;
  text-decoration: none;
  color: var(--text-slate);
  transition: all var(--transition-fast);
}

.mobile-footer-action-btn.active-action {
  color: var(--primary-sky);
}

.mobile-footer-divider {
  width: 1px;
  height: 24px;
  background-color: var(--neutral-border-gray);
}

.mobile-dot-indicator {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background-color: #22C55E;
}

/* --------------------------------------------------------------------------
   10. Form & Portal Card Layouts (Become a Member / Login)
   -------------------------------------------------------------------------- */
.portal-page {
  background-color: var(--neutral-off-white);
  min-height: 100vh;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: var(--space-40) var(--space-16);
}

.portal-card {
  max-width: 480px;
  width: 100%;
  background-color: var(--neutral-white);
  padding: var(--space-40);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
}

.portal-header {
  text-align: center;
  margin-bottom: var(--space-32);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-12);
}

.portal-title {
  font-size: 28px;
  font-weight: 700;
  color: var(--text-slate);
}

.portal-subtitle {
  font-size: 14px;
  color: var(--neutral-charcoal);
}

.input-icon-wrapper {
  position: relative;
  width: 100%;
}

.input-icon-btn {
  position: absolute;
  top: 50%;
  right: var(--space-16);
  transform: translateY(-50%);
  background: transparent;
  border: none;
  cursor: pointer;
  color: var(--neutral-charcoal);
  opacity: 0.7;
}

.input-icon-btn:hover {
  opacity: 1;
}

.form-feedback {
  font-size: 12px;
  font-weight: 500;
  display: none;
}

.form-feedback.error {
  color: var(--status-error-red);
  display: block;
}

.form-feedback.warning {
  color: var(--status-warning-orange);
  display: block;
}

/* --------------------------------------------------------------------------
   11. Responsive Styles (Breakpoints)
   -------------------------------------------------------------------------- */

/* Tablet View: max-width 1023px */
@media (max-width: 1023px) {
  .container {
    padding-left: var(--space-24);
    padding-right: var(--space-24);
  }

  .desktop-nav {
    display: none;
  }

  .btn-hamburger {
    display: block;
  }

  .hero-carousel-container {
    height: auto;
    padding: var(--space-40) 0 var(--space-64) 0;
  }

  .hero-carousel-slide {
    position: relative;
    grid-template-columns: 1fr;
    gap: var(--space-32);
    display: none;
    opacity: 0;
  }

  .hero-carousel-slide.active {
    display: flex;
    flex-direction: column-reverse;
    opacity: 1;
  }

  .hero-slide-image-wrapper {
    height: 280px;
  }

  .hero-controls {
    bottom: var(--space-16);
    left: 0;
    width: 100%;
    justify-content: space-between;
    padding: 0 var(--space-8);
  }

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

  .footer-nav-grid {
    grid-template-columns: 1fr 1fr;
    gap: var(--space-32);
  }

  .footer-brand-col {
    grid-column: span 2;
  }
}

/* Mobile View: max-width 767px */
@media (max-width: 767px) {

  .mobile-only {
    display: block;
  }

  a.mobile-only,
  button.mobile-only {
    display: inline-flex;
  }

  .container {
    padding-left: var(--space-16);
    padding-right: var(--space-16);
  }

  /* ---- Header ---- */
  .top-utility-bar {
    background-color: var(--neutral-white);
    padding: var(--space-8) 0;
    border-bottom: 1px solid var(--neutral-border-gray);
  }

  .top-utility-container {
    position: relative;
    display: grid;
    grid-template-columns: 40px 1fr auto;
    align-items: center;
    min-height: 36px;
  }

  .top-utility-container > .utility-links {
    display: none;
  }

  .mobile-utility-back {
    display: flex;
    align-items: center;
    justify-content: center;
    background: transparent;
    border: none;
    color: var(--text-slate);
    cursor: pointer;
    padding: var(--space-4);
    grid-column: 1;
  }

  .mobile-utility-title {
    grid-column: 2;
    text-align: center;
    font-size: 14px;
    font-weight: 500;
    color: var(--text-slate);
  }

  .mobile-utility-login {
    grid-column: 3;
    justify-self: end;
    height: 30px;
    padding: 4px 14px;
    font-size: 13px;
    border-radius: var(--radius-sm);
  }

  .main-nav-bar {
    height: 56px;
  }

  .logo-text-secondary {
    display: none;
  }

  .logo-icon-container {
    height: 36px;
    width: 36px;
  }

  .logo-text-primary {
    font-size: 16px;
  }

  .nav-actions > .btn-ghost:not(.btn-user-mobile) {
    display: none;
  }

  /* ---- Hero ---- */
  .hero-section {
    background: var(--neutral-white);
  }

  .hero-section .container {
    padding-left: 0;
    padding-right: 0;
    max-width: 100%;
  }

  .hero-carousel-container {
    height: auto;
    padding: 0;
    display: block;
  }

  .hero-carousel-slide {
    position: relative;
    display: none;
    opacity: 0;
    grid-template-columns: 1fr;
    gap: 0;
  }

  .hero-carousel-slide.active {
    display: flex;
    flex-direction: column;
    opacity: 1;
  }

  .hero-slide-image-wrapper {
    height: 220px;
    border-radius: 0;
    box-shadow: none;
    order: 1;
  }

  .hero-slide-content {
    order: 2;
    background: linear-gradient(135deg, var(--accent-navy-darker) 0%, var(--accent-navy-darkest) 100%);
    padding: var(--space-24) var(--space-16) var(--space-48);
    gap: var(--space-16);
    align-items: flex-start;
    width: 100%;
  }

  .hero-subtitle {
    display: none;
  }

  .hero-btn-secondary {
    display: none;
  }

  .hero-title {
    font-size: 22px;
    line-height: 28px;
    color: var(--status-warning-gold);
    text-shadow: none;
    text-align: left;
  }

  .hero-slide-content .btn-primary,
  .hero-slide-content .hero-mobile-cta {
    width: auto;
    align-self: flex-start;
    height: 40px;
    padding: 0 24px;
    background-color: var(--accent-teal);
    border-radius: var(--radius-sm);
    font-size: 14px;
    font-weight: 600;
    color: var(--neutral-white);
  }

  .hero-slide-content .btn-primary:hover,
  .hero-slide-content .hero-mobile-cta:hover {
    background-color: #0e7490;
    color: var(--neutral-white);
  }

  .hero-slide-content > div[style*="flex"] {
    flex-direction: column;
    align-items: flex-start;
    width: 100%;
    gap: var(--space-16);
  }

  .hero-controls {
    position: absolute;
    bottom: var(--space-16);
    left: 0;
    right: 0;
    width: 100%;
    justify-content: center;
    padding: 0;
    pointer-events: none;
  }

  .hero-dots {
    pointer-events: auto;
  }

  .hero-nav-btns {
    display: none;
  }

  .hero-dot.active {
    width: 10px;
    border-radius: 50%;
  }

  /* ---- Quick Actions Mobile Carousel ---- */
  .quick-actions-container {
    display: none;
  }

  .quick-actions-section {
    background-color: var(--neutral-light-gray);
    border-bottom: none;
    padding: var(--space-20) 0 var(--space-16);
  }

  .quick-actions-mobile {
    padding: 0 var(--space-16);
  }

  .quick-actions-scroll-track {
    display: flex;
    gap: var(--space-12);
    overflow-x: auto;
    scroll-snap-type: x mandatory;
    scroll-behavior: smooth;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
    padding-bottom: var(--space-4);
  }

  .quick-actions-scroll-track::-webkit-scrollbar {
    display: none;
  }

  .quick-action-card {
    flex: 0 0 calc(50% - 6px);
    scroll-snap-align: start;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: var(--space-12);
    min-height: 110px;
    padding: var(--space-20) var(--space-12);
    background-color: var(--neutral-white);
    border-radius: var(--radius-md);
    border: 1px solid var(--neutral-border-gray);
    text-decoration: none;
    color: var(--text-slate);
    font-size: 12px;
    font-weight: 600;
    text-align: center;
    line-height: 1.3;
    box-shadow: var(--shadow-sm);
    transition: border-color var(--transition-fast);
  }

  .quick-action-card:hover {
    border-color: var(--primary-sky);
    text-decoration: none;
    color: var(--primary-sky);
  }

  .quick-action-card-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--primary-sky);
  }

  .quick-actions-dots {
    display: flex;
    justify-content: center;
    gap: var(--space-8);
    margin-top: var(--space-12);
  }

  .qa-dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    border: none;
    background-color: var(--neutral-border-gray);
    cursor: pointer;
    padding: 0;
    transition: background-color var(--transition-fast);
  }

  .qa-dot.active {
    background-color: var(--primary-sky);
  }

  /* ---- Loan Calculator ---- */
  #loan-calculator.py-64 {
    padding-top: var(--space-24);
    padding-bottom: var(--space-32);
    background-color: var(--neutral-white) !important;
  }

  #loan-calculator .card {
    padding: var(--space-16) 0 !important;
    border-radius: 0;
    box-shadow: none;
    border: none;
    background: transparent;
  }

  .calculator-header {
    text-align: left;
    margin-bottom: var(--space-24);
    padding: 0 var(--space-16);
  }

  .calculator-header h2 {
    font-size: 17px;
    line-height: 22px;
    margin-bottom: var(--space-8);
  }

  .calculator-header p {
    font-size: 12px;
    line-height: 16px;
  }

  #loan-calculator .grid {
    gap: var(--space-24);
  }

  #loan-calculator .grid>div[style*="grid-column: span 6"] {
    grid-column: span 12 !important;
    padding: 0 var(--space-16);
  }

  .loan-type-selector {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0;
    border: 1px solid var(--neutral-border-gray);
    border-radius: var(--radius-pill);
    overflow: hidden;
    padding: 3px;
    background-color: var(--neutral-light-gray);
    margin-bottom: var(--space-20);
  }

  .loan-type-btn {
    justify-content: center;
    border: none;
    border-radius: var(--radius-pill);
    padding: 8px 6px;
    font-size: 11px;
    background: transparent;
    white-space: nowrap;
  }

  .loan-type-btn svg {
    display: none;
  }

  .loan-type-btn.active {
    background-color: var(--primary-sky);
    color: var(--neutral-white);
    box-shadow: var(--shadow-sm);
  }

  #loan-calculator .form-label {
    font-size: 13px;
    font-weight: 400;
    color: var(--text-slate);
    line-height: 18px;
  }

  #loan-calculator .slider-val-display {
    font-size: 22px;
    font-weight: 700;
    color: var(--primary-sky);
    margin-top: var(--space-4);
    margin-bottom: var(--space-6);
  }

  #loan-calculator input[type="range"].range-slider {
    height: 6px;
    margin: var(--space-16) 0 var(--space-8);
  }

  #loan-calculator input[type="range"].range-slider::-webkit-slider-thumb {
    width: 22px;
    height: 22px;
    background: var(--neutral-white);
    border: 2px solid var(--primary-sky);
    box-shadow: 0 1px 4px rgba(0, 0, 0, 0.12);
  }

  #loan-calculator input[type="range"].range-slider::-moz-range-thumb {
    width: 22px;
    height: 22px;
    background: var(--neutral-white);
    border: 2px solid var(--primary-sky);
    box-shadow: 0 1px 4px rgba(0, 0, 0, 0.12);
  }

  #loan-calculator .text-caption {
    font-size: 11px;
    color: var(--neutral-charcoal);
    opacity: 0.65;
  }

  #loan-calculator .calculator-results-wrapper {
    padding: 0 var(--space-16);
  }

  #loan-calculator .data-panel {
    padding: var(--space-24) var(--space-20) !important;
    margin-top: 0;
    background-color: var(--neutral-light-gray);
    border: none;
    border-radius: var(--radius-md);
    box-shadow: none;
  }

  #loan-calculator .calc-summary-text {
    font-size: 13px;
    line-height: 18px;
    color: var(--neutral-charcoal);
    margin-bottom: var(--space-16);
  }

  #loan-calculator .calc-row-border {
    border-bottom: 1px solid var(--neutral-border-gray);
    padding-bottom: var(--space-16);
    margin-bottom: var(--space-16);
  }

  #loan-calculator .calc-label {
    font-size: 13px;
    color: var(--neutral-charcoal);
    opacity: 0.85;
  }

  #loan-calculator .calc-value-large {
    font-size: 24px;
    font-weight: 700;
    color: var(--text-slate);
    line-height: 1;
  }

  #loan-calculator .calc-value-large .text-caption {
    font-size: 12px;
    font-weight: 400;
    opacity: 0.7;
  }

  #loan-calculator .calc-value-medium {
    font-size: 18px;
    font-weight: 700;
    color: #22C55E;
  }

  #loan-calculator .calc-value-small {
    font-size: 16px;
    font-weight: 700;
    color: var(--text-slate);
  }

  #loan-calculator .data-panel > div[style*="flex"]:not(.calc-actions-row) {
    display: flex;
    align-items: center;
    justify-content: space-between;
  }

  #loan-calculator .calc-actions-row {
    flex-direction: column !important;
    gap: var(--space-12) !important;
    margin-top: var(--space-8);
  }

  #loan-calculator .calc-actions-row .btn {
    flex: none !important;
    width: 100%;
    height: 44px !important;
    border-radius: var(--radius-sm);
    font-size: 14px;
    font-weight: 600;
  }

  #loan-calculator .calc-actions-row .btn-primary {
    background-color: var(--primary-sky);
    color: var(--neutral-white);
    border: none;
  }

  #loan-calculator .calc-actions-row .btn-primary:hover {
    background-color: var(--accent-navy-light);
  }

  #loan-calculator .calc-actions-row .btn-secondary {
    background-color: var(--neutral-white);
    color: var(--text-slate);
    border: 1px solid var(--neutral-border-gray);
  }

  #loan-calculator .calc-actions-row .btn-secondary:hover {
    background-color: var(--neutral-white);
    border-color: var(--neutral-charcoal);
    color: var(--text-slate);
  }

  #loan-calculator .data-panel > .text-caption {
    margin-top: var(--space-16);
    font-size: 10px;
    line-height: 14px;
    text-align: center;
    opacity: 0.65;
  }

  /* ---- Financial Health ---- */
  .py-64 .grid>div[style*="grid-column: span 6"] {
    grid-column: span 12 !important;
  }

  .health-visual-wrapper {
    height: 280px !important;
    min-height: 280px;
    border-radius: 0 !important;
    margin-left: calc(-1 * var(--space-16));
    margin-right: calc(-1 * var(--space-16));
    width: calc(100% + var(--space-32));
  }

  .health-visual-text {
    bottom: var(--space-24);
    left: var(--space-16);
    right: var(--space-16);
  }

  .health-visual-text h2 {
    font-size: 20px;
    line-height: 26px;
  }

  .py-64 .grid > div.card {
    border: none !important;
    box-shadow: none !important;
    padding: 0 !important;
    margin-top: var(--space-8);
    background: transparent !important;
  }

  .health-card-panel {
    padding: var(--space-24) 0;
    border-bottom: 1px solid var(--neutral-border-gray);
  }

  .health-icon-badge {
    height: 52px;
    width: 52px;
  }

  .health-icon-badge svg {
    width: 24px;
    height: 24px;
  }

  .health-card-panel h3 {
    font-size: 15px !important;
    line-height: 20px;
  }

  .health-card-panel p {
    font-size: 13px;
    line-height: 18px;
  }

  /* ---- Sustainability ---- */
  .sustainability-grid {
    grid-template-columns: 1fr;
    gap: var(--space-16);
  }

  .sustainability-card {
    padding: var(--space-24);
  }

  .sustainability-card.accented {
    background-color: rgba(34, 197, 94, 0.08);
    border-color: rgba(34, 197, 94, 0.25);
  }

  .sustainability-card.accented .sus-icon-container {
    background-color: rgba(34, 197, 94, 0.15);
    color: #15803d;
  }

  .sustainability-card .sus-title {
    font-size: 16px;
    line-height: 22px;
  }

  .sustainability-card .sus-description {
    font-size: 13px;
    line-height: 18px;
  }

  /* ---- Channel Blocks ---- */
  .channel-blocks-grid {
    grid-template-columns: 1fr;
  }

  .channel-card {
    padding: var(--space-24) var(--space-16);
    min-height: auto;
  }

  .channel-card:hover {
    transform: none;
  }

  .channel-card-link,
  .channel-card-link:hover,
  .channel-card-link:active,
  .channel-card-link:focus {
    text-decoration: none !important;
    color: inherit;
  }

  .channel-card-link .channel-content h3,
  .channel-card-link .channel-content p,
  .channel-card-link:hover .channel-content h3,
  .channel-card-link:hover .channel-content p {
    text-decoration: none !important;
  }

  .channel-card:hover .channel-content h3 {
    transform: none;
  }

  .channel-card:hover .channel-content p {
    color: var(--accent-cyan);
  }

  .channel-content h3 {
    font-size: 16px !important;
    line-height: 22px;
  }

  .channel-content p {
    font-size: 12px;
    line-height: 17px;
  }

  .channel-icon-container {
    height: 56px;
    width: 56px;
  }

  .channel-icon-container svg {
    width: 28px;
    height: 28px;
  }

  /* ---- Badge Section ---- */
  .badge-section {
    padding-top: var(--space-32);
    padding-bottom: var(--space-32);
  }

  .badge-wrapper {
    gap: var(--space-24);
    justify-content: space-around;
  }

  .badge-circle {
    width: 72px;
    height: 72px;
  }

  .badge-circle svg {
    width: 32px;
    height: 32px;
  }

  .badge-text {
    font-size: 11px;
    text-align: center;
  }

  /* ---- Footer ---- */
  .footer-nav-grid {
    grid-template-columns: 1fr;
    gap: 0;
  }

  .footer-brand-col {
    grid-column: span 1;
    margin-bottom: var(--space-24);
    padding-bottom: var(--space-24);
    border-bottom: 1px solid var(--neutral-border-gray);
  }

  .footer-links-col {
    border-bottom: 1px solid var(--neutral-border-gray);
  }

  .footer-links-col h3 {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: var(--space-16) 0;
    margin-bottom: 0;
    text-transform: none;
    font-size: 14px;
    line-height: 20px;
    letter-spacing: 0;
    cursor: pointer;
    user-select: none;
  }

  .footer-links-col h3::after {
    content: "";
    width: 8px;
    height: 8px;
    border-right: 2px solid var(--neutral-charcoal);
    border-bottom: 2px solid var(--neutral-charcoal);
    transform: rotate(45deg);
    transition: transform var(--transition-fast);
    flex-shrink: 0;
    opacity: 0.6;
  }

  .footer-links-col.is-open h3::after {
    transform: rotate(-135deg);
  }

  .footer-links-col:not(.is-open) .footer-links-list {
    display: none;
  }

  .footer-links-col.is-open .footer-links-list {
    display: flex;
    padding-bottom: var(--space-16);
  }

  .footer-social-privacy {
    flex-direction: column;
    align-items: flex-start;
    margin-top: var(--space-24);
  }

  .privacy-links {
    display: none;
  }

  .footer-bottom-container {
    flex-direction: column;
    align-items: flex-start;
    gap: var(--space-4);
  }

  /* ---- Typography & layout ---- */
  h2 {
    font-size: 18px;
    line-height: 24px;
  }

  h3 {
    font-size: 16px;
    line-height: 22px;
  }

  .py-64 {
    padding-top: var(--space-40);
    padding-bottom: var(--space-40);
  }

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

  /* ---- Sticky footer & chat ---- */
  .mobile-sticky-footer {
    display: block;
  }

  body {
    padding-bottom: 48px;
  }

  .btn-floating-chat {
    bottom: 64px;
    width: 48px;
    height: 48px;
  }
}

/* Small Mobile View: max-width 479px */
@media (max-width: 479px) {
  .hero-title {
    font-size: 20px;
    line-height: 26px;
    color: var(--status-warning-gold);
  }

  .hero-slide-image-wrapper {
    height: 200px;
  }

  .loan-type-btn {
    font-size: 10px;
    padding: 8px 4px;
  }

  #loan-calculator .slider-val-display {
    font-size: 20px;
  }

  #loan-calculator .calc-value-large {
    font-size: 22px;
  }
}