/* ============================================
   DESIGN TOKENS — Carlos Palom Mortgage Site
   ============================================ */

:root {
  /* Type Scale (fluid) */
  --text-xs:   clamp(0.75rem,  0.7rem  + 0.25vw, 0.875rem);
  --text-sm:   clamp(0.875rem, 0.8rem  + 0.35vw, 1rem);
  --text-base: clamp(1rem,     0.95rem + 0.25vw, 1.125rem);
  --text-lg:   clamp(1.125rem, 1rem    + 0.75vw, 1.5rem);
  --text-xl:   clamp(1.5rem,   1.2rem  + 1.25vw, 2.25rem);
  --text-2xl:  clamp(2rem,     1.2rem  + 2.5vw,  3.5rem);
  --text-3xl:  clamp(2.5rem,   1rem    + 4vw,    5rem);

  /* 4px Spacing */
  --space-1:  0.25rem;
  --space-2:  0.5rem;
  --space-3:  0.75rem;
  --space-4:  1rem;
  --space-5:  1.25rem;
  --space-6:  1.5rem;
  --space-8:  2rem;
  --space-10: 2.5rem;
  --space-12: 3rem;
  --space-16: 4rem;
  --space-20: 5rem;
  --space-24: 6rem;
  --space-32: 8rem;

  /* Radius */
  --radius-sm: 0.375rem;
  --radius-md: 0.5rem;
  --radius-lg: 0.75rem;
  --radius-xl: 1rem;
  --radius-2xl: 1.25rem;
  --radius-full: 9999px;

  /* Transition */
  --transition-interactive: 180ms cubic-bezier(0.16, 1, 0.3, 1);
  --ease-out: cubic-bezier(0.16, 1, 0.3, 1);

  /* Content widths */
  --content-narrow: 640px;
  --content-default: 960px;
  --content-wide: 1200px;

  /* Typography */
  --font-display: 'Cabinet Grotesk', 'Inter', sans-serif;
  --font-body: 'Satoshi', 'Inter', sans-serif;
}

/* ============================================
   LIGHT MODE (default)
   ============================================ */
:root, [data-theme="light"] {
  --color-bg: #FAFAF7;
  --color-surface: #FFFFFF;
  --color-surface-2: #F5F5F0;
  --color-surface-offset: #F0EFE9;
  --color-divider: #E0DDD6;
  --color-border: #D4D1CA;

  --color-text: #1A1A1A;
  --color-text-muted: #6B7280;
  --color-text-faint: #9CA3AF;
  --color-text-inverse: #FAFAF7;

  /* Teal primary */
  --color-primary: #0B6E6D;
  --color-primary-hover: #095857;
  --color-primary-active: #074544;
  --color-primary-light: #E6F3F3;

  /* Amber accent */
  --color-accent: #D4A843;
  --color-accent-hover: #C09533;
  --color-accent-light: #FDF6E3;

  /* Success */
  --color-success: #22C55E;

  /* Shadows */
  --shadow-sm: 0 1px 2px oklch(0.2 0.01 80 / 0.06);
  --shadow-md: 0 4px 12px oklch(0.2 0.01 80 / 0.08);
  --shadow-lg: 0 12px 32px oklch(0.2 0.01 80 / 0.12);
}

/* ============================================
   DARK MODE
   ============================================ */
[data-theme="dark"] {
  --color-bg: #141413;
  --color-surface: #1C1C1A;
  --color-surface-2: #232320;
  --color-surface-offset: #1E1E1B;
  --color-divider: #2E2E2A;
  --color-border: #3A3A35;

  --color-text: #E5E5E0;
  --color-text-muted: #9CA39C;
  --color-text-faint: #6B706B;
  --color-text-inverse: #1A1A1A;

  --color-primary: #4AADA8;
  --color-primary-hover: #3D9590;
  --color-primary-active: #2F7A76;
  --color-primary-light: #1A2E2E;

  --color-accent: #E8BC5A;
  --color-accent-hover: #D4A843;
  --color-accent-light: #2A2518;

  --color-success: #4ADE80;

  --shadow-sm: 0 1px 2px oklch(0 0 0 / 0.2);
  --shadow-md: 0 4px 12px oklch(0 0 0 / 0.3);
  --shadow-lg: 0 12px 32px oklch(0 0 0 / 0.4);
}

/* System preference fallback */
@media (prefers-color-scheme: dark) {
  :root:not([data-theme]) {
    --color-bg: #141413;
    --color-surface: #1C1C1A;
    --color-surface-2: #232320;
    --color-surface-offset: #1E1E1B;
    --color-divider: #2E2E2A;
    --color-border: #3A3A35;
    --color-text: #E5E5E0;
    --color-text-muted: #9CA39C;
    --color-text-faint: #6B706B;
    --color-text-inverse: #1A1A1A;
    --color-primary: #4AADA8;
    --color-primary-hover: #3D9590;
    --color-primary-active: #2F7A76;
    --color-primary-light: #1A2E2E;
    --color-accent: #E8BC5A;
    --color-accent-hover: #D4A843;
    --color-accent-light: #2A2518;
    --color-success: #4ADE80;
    --shadow-sm: 0 1px 2px oklch(0 0 0 / 0.2);
    --shadow-md: 0 4px 12px oklch(0 0 0 / 0.3);
    --shadow-lg: 0 12px 32px oklch(0 0 0 / 0.4);
  }
}

/* ============================================
   COMPONENTS
   ============================================ */

/* --- Header --- */
.header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: oklch(from var(--color-bg) l c h / 0.92);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid oklch(from var(--color-text) l c h / 0.08);
  transition: box-shadow 0.3s var(--ease-out);
}

.header--scrolled {
  box-shadow: var(--shadow-sm);
}

.header-inner {
  max-width: var(--content-wide);
  margin-inline: auto;
  padding: var(--space-3) var(--space-4);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
}

@media (min-width: 768px) {
  .header-inner {
    padding: var(--space-3) var(--space-8);
  }
}

.header-logo {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  text-decoration: none;
  color: var(--color-text);
  flex-shrink: 0;
}

.header-logo svg {
  width: 36px;
  height: 36px;
}

.header-logo-text {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: var(--text-sm);
  line-height: 1.2;
  letter-spacing: -0.01em;
}

.header-logo-text span {
  display: block;
  font-weight: 400;
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  letter-spacing: 0;
}

.header-actions {
  display: flex;
  align-items: center;
  gap: var(--space-2);
}

/* Language toggle */
.lang-toggle {
  display: flex;
  align-items: center;
  background: var(--color-surface-2);
  border-radius: var(--radius-full);
  padding: var(--space-1);
  gap: 0;
  border: 1px solid oklch(from var(--color-text) l c h / 0.08);
}

.lang-toggle button {
  padding: var(--space-1) var(--space-3);
  border-radius: var(--radius-full);
  font-size: var(--text-xs);
  font-weight: 600;
  font-family: var(--font-body);
  color: var(--color-text-muted);
  transition: all var(--transition-interactive);
  line-height: 1.4;
}

.lang-toggle button.active {
  background: var(--color-primary);
  color: var(--color-text-inverse);
  box-shadow: var(--shadow-sm);
}

.lang-toggle button:not(.active):hover {
  color: var(--color-text);
}

/* Theme toggle */
.theme-toggle {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: var(--radius-full);
  color: var(--color-text-muted);
  transition: color var(--transition-interactive),
              background var(--transition-interactive);
}

.theme-toggle:hover {
  color: var(--color-text);
  background: var(--color-surface-2);
}

/* CTA button in header */
.header-cta {
  display: none;
  padding: var(--space-2) var(--space-5);
  background: var(--color-primary);
  color: var(--color-text-inverse);
  border-radius: var(--radius-full);
  font-size: var(--text-xs);
  font-weight: 600;
  font-family: var(--font-body);
  text-decoration: none;
  transition: background var(--transition-interactive),
              transform var(--transition-interactive);
  white-space: nowrap;
}

.header-cta:hover {
  background: var(--color-primary-hover);
  transform: translateY(-1px);
}

.header-cta:active {
  background: var(--color-primary-active);
  transform: translateY(0);
}

@media (min-width: 768px) {
  .header-cta { display: inline-flex; }
}

/* --- Hero Section --- */
.hero {
  padding: clamp(var(--space-6), 3vw, var(--space-10)) var(--space-4);
  padding-bottom: clamp(var(--space-8), 5vw, var(--space-16));
  min-height: min(calc(100vh - 60px), 720px);
  display: flex;
  align-items: center;
}

@media (min-width: 768px) {
  .hero { padding-inline: var(--space-8); }
}

.hero-inner {
  max-width: var(--content-wide);
  margin-inline: auto;
  width: 100%;
  display: grid;
  gap: var(--space-10);
}

@media (min-width: 1024px) {
  .hero-inner {
    grid-template-columns: 1fr 1fr;
    align-items: center;
    gap: var(--space-16);
  }
}

.hero-content {
  max-width: 600px;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding: var(--space-1) var(--space-3);
  background: var(--color-accent-light);
  border: 1px solid oklch(from var(--color-accent) l c h / 0.2);
  border-radius: var(--radius-full);
  font-size: var(--text-xs);
  font-weight: 600;
  color: var(--color-accent);
  margin-bottom: var(--space-6);
}

[data-theme="dark"] .hero-badge {
  color: var(--color-accent);
}

.hero-badge svg {
  width: 16px;
  height: 16px;
}

.hero-title {
  font-family: var(--font-display);
  font-size: var(--text-2xl);
  font-weight: 800;
  line-height: 1.08;
  letter-spacing: -0.025em;
  color: var(--color-text);
  margin-bottom: var(--space-4);
}

.hero-title .highlight {
  color: var(--color-primary);
}

.hero-subtitle {
  font-size: var(--text-base);
  color: var(--color-text-muted);
  margin-bottom: var(--space-8);
  max-width: 48ch;
  line-height: 1.6;
}

/* Path cards (Refinance / Purchase) */
.hero-paths {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-3);
}

@media (min-width: 768px) {
  .hero-paths {
    gap: var(--space-4);
    max-width: 480px;
  }
}

.path-card {
  background: var(--color-surface);
  border: 1px solid oklch(from var(--color-text) l c h / 0.08);
  border-radius: var(--radius-xl);
  padding: var(--space-5) var(--space-4);
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: var(--space-3);
  cursor: pointer;
  text-decoration: none;
  color: var(--color-text);
  transition: border-color var(--transition-interactive),
              box-shadow var(--transition-interactive),
              transform var(--transition-interactive);
}

.path-card:hover {
  border-color: var(--color-primary);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.path-card:active {
  transform: translateY(0);
  box-shadow: var(--shadow-sm);
}

.path-card-icon {
  width: 44px;
  height: 44px;
  background: var(--color-primary-light);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-primary);
}

.path-card-icon svg {
  width: 22px;
  height: 22px;
}

.path-card-title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: var(--text-sm);
  line-height: 1.3;
}

.path-card-desc {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  line-height: 1.5;
}

.path-card-arrow {
  margin-top: auto;
  display: flex;
  align-items: center;
  gap: var(--space-1);
  font-size: var(--text-xs);
  font-weight: 600;
  color: var(--color-primary);
}

.path-card-arrow svg {
  width: 16px;
  height: 16px;
  transition: transform var(--transition-interactive);
}

.path-card:hover .path-card-arrow svg {
  transform: translateX(3px);
}

/* Hero visual / illustration area */
.hero-visual {
  display: flex;
  align-items: center;
  justify-content: center;
}

.hero-illustration {
  width: 100%;
  max-width: 480px;
  aspect-ratio: 1 / 0.9;
  background: linear-gradient(145deg, var(--color-primary-light) 0%, var(--color-surface-2) 100%);
  border-radius: var(--radius-2xl);
  border: 1px solid oklch(from var(--color-text) l c h / 0.06);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
}

/* Decorative floating elements inside hero illustration */
.hero-illustration::before {
  content: '';
  position: absolute;
  width: 60%;
  height: 60%;
  background: oklch(from var(--color-primary) l c h / 0.08);
  border-radius: 50%;
  top: 15%;
  left: 20%;
  filter: blur(40px);
}

.hero-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-3);
  padding: var(--space-6);
  position: relative;
  z-index: 1;
  width: 100%;
}

.stat-card {
  background: var(--color-surface);
  border-radius: var(--radius-lg);
  padding: var(--space-4);
  box-shadow: var(--shadow-md);
  border: 1px solid oklch(from var(--color-text) l c h / 0.06);
}

.stat-value {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: var(--text-lg);
  color: var(--color-primary);
  line-height: 1.2;
}

.stat-label {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  margin-top: var(--space-1);
  line-height: 1.4;
}

/* --- Trust Bar --- */
.trust-bar {
  border-top: 1px solid oklch(from var(--color-text) l c h / 0.06);
  background: var(--color-surface-2);
  padding: var(--space-5) var(--space-4);
}

@media (min-width: 768px) {
  .trust-bar { padding: var(--space-5) var(--space-8); }
}

.trust-bar-inner {
  max-width: var(--content-wide);
  margin-inline: auto;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: var(--space-4) var(--space-8);
}

.trust-item {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  white-space: nowrap;
}

.trust-item svg {
  width: 18px;
  height: 18px;
  color: var(--color-primary);
  flex-shrink: 0;
}

.trust-item strong {
  font-weight: 600;
  color: var(--color-text);
}

.trust-divider {
  display: none;
  width: 1px;
  height: 20px;
  background: var(--color-divider);
}

@media (min-width: 768px) {
  .trust-divider { display: block; }
}

/* ============================================
   MULTI-STEP FORM
   ============================================ */

.form-section {
  padding: clamp(var(--space-8), 5vw, var(--space-16)) var(--space-4);
  background: var(--color-bg);
}

@media (min-width: 768px) {
  .form-section { padding-inline: var(--space-8); }
}

.form-container {
  max-width: 600px;
  margin-inline: auto;
}

.form-header {
  text-align: center;
  margin-bottom: var(--space-8);
}

.form-header-label {
  font-size: var(--text-xs);
  font-weight: 600;
  color: var(--color-primary);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: var(--space-2);
}

.form-header h2 {
  font-family: var(--font-display);
  font-size: var(--text-xl);
  font-weight: 800;
  letter-spacing: -0.02em;
  color: var(--color-text);
}

/* Progress bar */
.form-progress {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  margin-bottom: var(--space-8);
}

.form-progress-bar {
  flex: 1;
  height: 4px;
  background: var(--color-surface-offset);
  border-radius: var(--radius-full);
  overflow: hidden;
}

.form-progress-fill {
  height: 100%;
  background: var(--color-primary);
  border-radius: var(--radius-full);
  transition: width 0.4s var(--ease-out);
}

.form-progress-text {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  white-space: nowrap;
  font-variant-numeric: tabular-nums;
}

/* Step container */
.form-step {
  display: none;
  animation: stepFadeIn 0.35s var(--ease-out);
}

.form-step.active {
  display: block;
}

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

.step-question {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 700;
  color: var(--color-text);
  margin-bottom: var(--space-6);
  text-align: center;
  line-height: 1.3;
}

/* Goal selection cards (step 1) */
.goal-cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-4);
}

.goal-card {
  background: var(--color-surface);
  border: 2px solid oklch(from var(--color-text) l c h / 0.08);
  border-radius: var(--radius-xl);
  padding: var(--space-6) var(--space-4);
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: var(--space-3);
  cursor: pointer;
  transition: border-color var(--transition-interactive),
              box-shadow var(--transition-interactive),
              transform var(--transition-interactive);
}

.goal-card:hover {
  border-color: var(--color-primary);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.goal-card:active {
  transform: translateY(0);
}

.goal-card.selected {
  border-color: var(--color-primary);
  background: var(--color-primary-light);
  box-shadow: 0 0 0 1px var(--color-primary);
}

.goal-card-icon {
  width: 52px;
  height: 52px;
  background: var(--color-primary-light);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-primary);
}

.goal-card.selected .goal-card-icon {
  background: var(--color-primary);
  color: var(--color-text-inverse);
}

.goal-card-icon svg {
  width: 24px;
  height: 24px;
}

.goal-card-title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: var(--text-sm);
}

.goal-card-desc {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  line-height: 1.5;
}

/* Slider input */
.slider-group {
  margin-bottom: var(--space-6);
}

.slider-label {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: var(--space-3);
}

.slider-label-text {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
}

.slider-value {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: var(--text-lg);
  color: var(--color-primary);
  font-variant-numeric: tabular-nums;
}

.slider-input {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 8px;
  background: var(--color-surface-offset);
  border-radius: var(--radius-full);
  outline: none;
  cursor: pointer;
}

.slider-input::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--color-primary);
  border: 3px solid var(--color-surface);
  box-shadow: var(--shadow-md);
  cursor: pointer;
  transition: transform var(--transition-interactive);
}

.slider-input::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}

.slider-input::-moz-range-thumb {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--color-primary);
  border: 3px solid var(--color-surface);
  box-shadow: var(--shadow-md);
  cursor: pointer;
}

.slider-range {
  display: flex;
  justify-content: space-between;
  font-size: var(--text-xs);
  color: var(--color-text-faint);
  margin-top: var(--space-2);
}

/* Option cards (yes/no, single select) */
.option-cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-3);
  margin-bottom: var(--space-4);
}

.option-card {
  background: var(--color-surface);
  border: 2px solid oklch(from var(--color-text) l c h / 0.08);
  border-radius: var(--radius-lg);
  padding: var(--space-4) var(--space-3);
  text-align: center;
  cursor: pointer;
  font-weight: 600;
  font-size: var(--text-sm);
  transition: border-color var(--transition-interactive),
              background var(--transition-interactive),
              transform var(--transition-interactive);
}

.option-card:hover {
  border-color: var(--color-primary);
  transform: translateY(-1px);
}

.option-card:active {
  transform: translateY(0);
}

.option-card.selected {
  border-color: var(--color-primary);
  background: var(--color-primary-light);
  color: var(--color-primary);
}

/* Value reveal card */
.value-reveal {
  background: linear-gradient(145deg, var(--color-primary-light), var(--color-surface));
  border: 1px solid oklch(from var(--color-primary) l c h / 0.15);
  border-radius: var(--radius-xl);
  padding: var(--space-8) var(--space-6);
  text-align: center;
  margin-bottom: var(--space-6);
}

.value-reveal-label {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  margin-bottom: var(--space-2);
}

.value-reveal-amount {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: var(--text-2xl);
  color: var(--color-primary);
  line-height: 1.1;
  margin-bottom: var(--space-2);
}

.value-reveal-sub {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  line-height: 1.5;
}

.value-reveal-disclaimer {
  font-size: var(--text-xs);
  color: var(--color-text-faint);
  margin-top: var(--space-4);
  padding-top: var(--space-4);
  border-top: 1px solid oklch(from var(--color-text) l c h / 0.06);
  line-height: 1.5;
}

/* Contact form inputs */
.input-group {
  margin-bottom: var(--space-4);
}

.input-group label {
  display: block;
  font-size: var(--text-sm);
  font-weight: 500;
  color: var(--color-text);
  margin-bottom: var(--space-2);
}

.input-group input {
  width: 100%;
  padding: var(--space-3) var(--space-4);
  background: var(--color-surface);
  border: 1px solid oklch(from var(--color-text) l c h / 0.12);
  border-radius: var(--radius-lg);
  font-size: var(--text-base);
  color: var(--color-text);
  transition: border-color var(--transition-interactive),
              box-shadow var(--transition-interactive);
}

.input-group input::placeholder {
  color: var(--color-text-faint);
}

.input-group input:focus {
  outline: none;
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px oklch(from var(--color-primary) l c h / 0.12);
}

.input-note {
  font-size: var(--text-xs);
  color: var(--color-text-faint);
  margin-top: var(--space-1);
}

/* Buttons */
.btn-primary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  width: 100%;
  padding: var(--space-4) var(--space-6);
  background: var(--color-primary);
  color: var(--color-text-inverse);
  border: none;
  border-radius: var(--radius-lg);
  font-family: var(--font-body);
  font-size: var(--text-sm);
  font-weight: 600;
  cursor: pointer;
  transition: background var(--transition-interactive),
              transform var(--transition-interactive),
              box-shadow var(--transition-interactive);
}

.btn-primary:hover {
  background: var(--color-primary-hover);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.btn-primary:active {
  background: var(--color-primary-active);
  transform: translateY(0);
  box-shadow: none;
}

.btn-primary svg {
  width: 18px;
  height: 18px;
}

.btn-secondary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  padding: var(--space-2) var(--space-4);
  background: none;
  color: var(--color-text-muted);
  border: none;
  border-radius: var(--radius-lg);
  font-family: var(--font-body);
  font-size: var(--text-xs);
  font-weight: 500;
  cursor: pointer;
  transition: color var(--transition-interactive);
}

.btn-secondary:hover {
  color: var(--color-text);
}

.btn-secondary svg {
  width: 16px;
  height: 16px;
}

.form-actions {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-3);
  margin-top: var(--space-6);
}

/* Thank you state */
.thank-you {
  text-align: center;
  padding: var(--space-8) 0;
}

.thank-you-icon {
  width: 64px;
  height: 64px;
  background: var(--color-primary-light);
  border-radius: var(--radius-full);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto var(--space-6);
  color: var(--color-primary);
}

.thank-you-icon svg {
  width: 32px;
  height: 32px;
}

.thank-you h3 {
  font-family: var(--font-display);
  font-size: var(--text-xl);
  font-weight: 800;
  color: var(--color-text);
  margin-bottom: var(--space-3);
}

.thank-you p {
  font-size: var(--text-base);
  color: var(--color-text-muted);
  max-width: 42ch;
  margin-inline: auto;
  line-height: 1.6;
}

.thank-you-steps {
  margin-top: var(--space-8);
  display: grid;
  gap: var(--space-4);
  text-align: left;
}

.thank-you-step {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  padding: var(--space-4);
  background: var(--color-surface);
  border-radius: var(--radius-lg);
  border: 1px solid oklch(from var(--color-text) l c h / 0.06);
}

.thank-you-step-num {
  width: 28px;
  height: 28px;
  background: var(--color-primary);
  color: var(--color-text-inverse);
  border-radius: var(--radius-full);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: var(--text-xs);
  font-weight: 700;
  flex-shrink: 0;
}

.thank-you-step-text {
  font-size: var(--text-sm);
  color: var(--color-text);
  line-height: 1.5;
}

.thank-you-step-text strong {
  display: block;
  margin-bottom: var(--space-1);
}

/* No credit impact badge */
.no-credit-badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding: var(--space-2) var(--space-3);
  background: var(--color-primary-light);
  border-radius: var(--radius-full);
  font-size: var(--text-xs);
  color: var(--color-primary);
  font-weight: 500;
  margin-bottom: var(--space-4);
}

.no-credit-badge svg {
  width: 14px;
  height: 14px;
}

/* ============================================
   SELECT DROPDOWNS
   ============================================ */
.select-group {
  margin-bottom: var(--space-4);
}

.form-select {
  width: 100%;
  padding: var(--space-3) var(--space-4);
  background: var(--color-surface);
  border: 1.5px solid oklch(from var(--color-text) l c h / 0.12);
  border-radius: var(--radius-lg);
  font-size: var(--text-base);
  font-family: var(--font-body);
  color: var(--color-text);
  cursor: pointer;
  appearance: none;
  -webkit-appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%236B7280' stroke-width='2'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  padding-right: 40px;
  transition: border-color var(--transition-interactive), box-shadow var(--transition-interactive);
}

.form-select:focus {
  outline: none;
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px oklch(from var(--color-primary) l c h / 0.12);
}

[data-theme="dark"] .form-select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%239CA39C' stroke-width='2'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
}

/* ============================================
   RADIO CARDS
   ============================================ */
.radio-cards {
  display: grid;
  gap: var(--space-3);
  margin-bottom: var(--space-4);
}

.radio-cards--compact {
  grid-template-columns: 1fr 1fr;
}

.radio-card {
  position: relative;
  display: flex;
  align-items: center;
  gap: var(--space-3);
  padding: var(--space-4);
  background: var(--color-surface);
  border: 2px solid oklch(from var(--color-text) l c h / 0.08);
  border-radius: var(--radius-lg);
  cursor: pointer;
  transition: border-color var(--transition-interactive),
              background var(--transition-interactive),
              transform var(--transition-interactive);
}

.radio-card:hover {
  border-color: var(--color-primary);
  transform: translateY(-1px);
}

.radio-card:has(input:checked) {
  border-color: var(--color-primary);
  background: var(--color-primary-light);
}

.radio-card input[type="radio"] {
  appearance: none;
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  border: 2px solid var(--color-border);
  border-radius: 50%;
  flex-shrink: 0;
  display: grid;
  place-content: center;
  transition: border-color var(--transition-interactive);
}

.radio-card input[type="radio"]::before {
  content: '';
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: var(--color-primary);
  transform: scale(0);
  transition: transform var(--transition-interactive);
}

.radio-card input[type="radio"]:checked {
  border-color: var(--color-primary);
}

.radio-card input[type="radio"]:checked::before {
  transform: scale(1);
}

.radio-card-text {
  font-size: var(--text-sm);
  font-weight: 500;
  color: var(--color-text);
  line-height: 1.4;
}

/* Step helper text */
.step-helper {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  text-align: center;
  margin-bottom: var(--space-4);
  line-height: 1.5;
}

/* Optional label */
.optional {
  font-weight: 400;
  color: var(--color-text-faint);
  font-size: var(--text-xs);
}

/* ============================================
   CONSENT ROW
   ============================================ */
.consent-row {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  margin: var(--space-6) 0 var(--space-2);
  padding: var(--space-4);
  background: var(--color-surface-2);
  border-radius: var(--radius-lg);
  border: 1px solid oklch(from var(--color-text) l c h / 0.06);
}

.consent-row input[type="checkbox"] {
  appearance: none;
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  border: 2px solid var(--color-border);
  border-radius: var(--radius-sm);
  flex-shrink: 0;
  margin-top: 2px;
  display: grid;
  place-content: center;
  cursor: pointer;
  transition: border-color var(--transition-interactive), background var(--transition-interactive);
}

.consent-row input[type="checkbox"]::before {
  content: '';
  width: 10px;
  height: 10px;
  background: var(--color-primary);
  clip-path: polygon(14% 44%, 0 65%, 50% 100%, 100% 16%, 80% 0%, 43% 62%);
  transform: scale(0);
  transition: transform var(--transition-interactive);
}

.consent-row input[type="checkbox"]:checked {
  border-color: var(--color-primary);
  background: var(--color-primary-light);
}

.consent-row input[type="checkbox"]:checked::before {
  transform: scale(1);
}

.consent-row label {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  line-height: 1.6;
  cursor: pointer;
}

.field-error {
  display: none;
  font-size: var(--text-xs);
  color: #EF4444;
  margin-top: var(--space-1);
}

.field-error.visible {
  display: block;
}

input.error {
  border-color: #EF4444 !important;
}

/* ============================================
   RESULTS — Comprehensive Radar-Level
   ============================================ */
.results-card {
  text-align: center;
  max-width: 680px;
  margin: 0 auto;
  padding: 0 var(--space-4);
}

/* Outcome Card — visual container for each section group */
.outcome-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: clamp(var(--space-5), 5vw, var(--space-8));
  box-shadow: var(--shadow-md);
  text-align: center;
  margin-bottom: var(--space-6);
}

/* Act Header — numbered section dividers */
.act-header {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  margin-bottom: var(--space-5);
  text-align: left;
}
.act-number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 30px;
  height: 30px;
  border-radius: var(--radius-full);
  background: var(--color-primary);
  color: #fff;
  font-size: var(--text-xs);
  font-weight: 700;
  flex-shrink: 0;
  font-family: var(--font-display);
}
.act-title {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 700;
  color: var(--color-text);
}

/* Outcome Badge */
.outcome-badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding: var(--space-2) var(--space-4);
  border-radius: var(--radius-full);
  font-size: var(--text-sm);
  font-weight: 600;
  margin-bottom: var(--space-6);
}

.outcome-badge svg {
  width: 20px;
  height: 20px;
}

.outcome-badge.good-spot {
  background: rgba(34, 197, 94, 0.1);
  color: #22C55E;
  border: 1px solid rgba(34, 197, 94, 0.2);
}
[data-theme="dark"] .outcome-badge.good-spot {
  background: rgba(34, 197, 94, 0.15);
  color: #4ADE80;
}

.outcome-badge.worth-look {
  background: rgba(212, 168, 67, 0.1);
  color: #B8860B;
  border: 1px solid rgba(212, 168, 67, 0.2);
}
[data-theme="dark"] .outcome-badge.worth-look {
  background: rgba(212, 168, 67, 0.15);
  color: #E8BC5A;
}

.outcome-badge.high-priority {
  background: rgba(239, 68, 68, 0.1);
  color: #EF4444;
  border: 1px solid rgba(239, 68, 68, 0.2);
}
[data-theme="dark"] .outcome-badge.high-priority {
  background: rgba(239, 68, 68, 0.15);
  color: #F87171;
}

.outcome-headline {
  font-family: var(--font-display);
  font-size: clamp(1.5rem, 5vw, 2rem);
  font-weight: 700;
  color: var(--color-text);
  margin-bottom: var(--space-4);
  line-height: 1.25;
}

.outcome-text {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: 1.7;
  max-width: 56ch;
  margin-inline: auto;
  margin-bottom: var(--space-6);
  text-align: left;
}

/* Rate Source */
.rate-source-info {
  font-size: var(--text-xs);
  color: var(--color-text-faint);
  padding: var(--space-3) var(--space-4);
  background: var(--color-surface-2);
  border-radius: var(--radius-lg);
  margin-bottom: var(--space-6);
  border: 1px solid oklch(from var(--color-text) l c h / 0.06);
  line-height: 1.5;
  text-align: center;
}

/* Rate Disclaimer (below rate source) */
.rate-disclaimer {
  font-size: 11px;
  font-style: italic;
  color: var(--color-text-muted);
  line-height: 1.5;
  margin-top: -8px;
  margin-bottom: var(--space-6);
  text-align: center;
}

/* Section Subtitle (below section title) */
.section-subtitle {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  margin-top: -4px;
  margin-bottom: var(--space-3);
  line-height: 1.5;
}

/* Impact Disclaimer */
.impact-disclaimer {
  font-size: 11px;
  color: var(--color-text-muted);
  line-height: 1.5;
  margin-top: var(--space-4);
  font-style: italic;
}

/* CTA Group */
.cta-group {
  text-align: center;
  margin: var(--space-8) 0;
  padding: var(--space-6) var(--space-4);
  background: var(--color-surface-2);
  border-radius: var(--radius-xl);
  border: 1px solid oklch(from var(--color-text) l c h / 0.06);
}

.btn-primary-cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  justify-content: center;
  width: 100%;
  padding: 14px 24px;
  font-size: 15px;
  font-weight: 600;
  font-family: var(--font-display);
  color: #fff;
  background: var(--color-primary);
  border: none;
  border-radius: var(--radius-lg);
  cursor: pointer;
  transition: background 0.2s, transform 0.15s;
}
.btn-primary-cta:hover { background: #095a59; transform: translateY(-1px); }
.btn-primary-cta svg { width: 18px; height: 18px; }

.cta-subtext {
  font-size: 13px;
  color: var(--color-text-muted);
  line-height: 1.6;
  margin: var(--space-3) 0 var(--space-5);
}

.btn-secondary-cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  justify-content: center;
  width: 100%;
  padding: 12px 20px;
  font-size: 14px;
  font-weight: 500;
  font-family: var(--font-display);
  color: var(--color-text);
  background: transparent;
  border: 1.5px solid oklch(from var(--color-text) l c h / 0.15);
  border-radius: var(--radius-lg);
  cursor: pointer;
  transition: border-color 0.2s, background 0.2s;
}
.btn-secondary-cta:hover {
  border-color: var(--color-primary);
  background: oklch(from var(--color-primary) l c h / 0.06);
}
.btn-secondary-cta svg { width: 16px; height: 16px; }

/* Assumptions Box */
.assumptions-box {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  padding: var(--space-4) var(--space-5);
  background: var(--color-surface-2);
  border-radius: var(--radius-lg);
  margin-bottom: var(--space-6);
  border: 1px dashed oklch(from var(--color-text) l c h / 0.12);
  line-height: 1.7;
  text-align: left;
}
.assumptions-box strong {
  color: var(--color-text);
  display: block;
  margin-bottom: 4px;
}
.assumptions-box em {
  display: block;
  margin-top: 10px;
  font-size: 11px;
  color: var(--color-text-muted);
  opacity: 0.85;
  line-height: 1.6;
}

/* Result Sections (within outcome-cards) */
.result-section {
  text-align: left;
  margin-bottom: var(--space-6);
  padding-top: var(--space-5);
  border-top: 1px solid oklch(from var(--color-text) l c h / 0.06);
}

.outcome-card > .result-section:first-of-type,
.result-section:first-of-type {
  border-top: none;
  padding-top: 0;
}

.result-section-title {
  font-family: var(--font-display);
  font-size: var(--text-base);
  font-weight: 700;
  color: var(--color-text);
  margin-bottom: var(--space-4);
  display: flex;
  align-items: center;
  gap: var(--space-2);
}

.result-section-title svg {
  width: 20px;
  height: 20px;
  color: var(--color-primary);
  flex-shrink: 0;
}

/* KPI Row / Cards */
.kpi-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-3);
  margin-bottom: var(--space-5);
}

@media (min-width: 480px) {
  .kpi-row { grid-template-columns: repeat(3, 1fr); }
  .kpi-row.kpi-row--2 { grid-template-columns: 1fr 1fr; }
  .kpi-row.kpi-row--4 { grid-template-columns: repeat(4, 1fr); }
}

.kpi-card {
  background: var(--color-surface-2);
  border: 1px solid oklch(from var(--color-text) l c h / 0.06);
  border-radius: var(--radius-lg);
  padding: var(--space-5) var(--space-4);
  text-align: center;
}

.kpi-label {
  font-size: 0.6875rem;
  color: var(--color-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: var(--space-1);
  line-height: 1.4;
}

.kpi-value {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: var(--text-lg);
  color: var(--color-primary);
  line-height: 1.2;
  font-variant-numeric: tabular-nums;
}

.kpi-value.success { color: #22C55E; }
[data-theme="dark"] .kpi-value.success { color: #4ADE80; }
.kpi-value.warning { color: #D4A843; }
.kpi-value.urgent { color: #EF4444; }
[data-theme="dark"] .kpi-value.urgent { color: #F87171; }

/* Result Chart Wrapper */
.result-chart {
  margin-bottom: var(--space-5);
  background: var(--color-surface);
  border: 1px solid oklch(from var(--color-text) l c h / 0.06);
  border-radius: var(--radius-lg);
  padding: var(--space-4);
  position: relative;
}

.result-chart canvas {
  max-height: 260px;
}

.result-chart-label {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  text-align: center;
  margin-top: var(--space-2);
}

/* Impact Box */
.impact-box {
  background: linear-gradient(135deg, rgba(11, 110, 109, 0.06), rgba(212, 168, 67, 0.06));
  border: 1px solid rgba(11, 110, 109, 0.15);
  border-radius: var(--radius-xl);
  padding: var(--space-6) var(--space-5);
  margin-bottom: var(--space-6);
  text-align: center;
}

.impact-box .kpi-row {
  grid-template-columns: 1fr 1fr;
  max-width: 420px;
  margin-inline: auto;
}

[data-theme="dark"] .impact-box {
  background: linear-gradient(135deg, rgba(11, 110, 109, 0.12), rgba(212, 168, 67, 0.08));
  border-color: rgba(11, 110, 109, 0.25);
}

.impact-box .impact-title {
  font-family: var(--font-display);
  font-size: var(--text-sm);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.03em;
  color: var(--color-text-muted);
  margin-bottom: var(--space-3);
}

/* Opportunity Card */
.opportunity-card {
  background: var(--color-surface);
  border: 1px solid oklch(from var(--color-text) l c h / 0.08);
  border-radius: var(--radius-xl);
  padding: var(--space-5) var(--space-4);
  margin-bottom: var(--space-6);
}

.opportunity-card h4 {
  font-family: var(--font-display);
  font-size: var(--text-sm);
  font-weight: 700;
  color: var(--color-text);
  margin-bottom: var(--space-4);
}

/* DTI Gauge */
.dti-gauge {
  margin-bottom: var(--space-5);
  padding: var(--space-5) var(--space-4);
  background: var(--color-surface);
  border: 1px solid oklch(from var(--color-text) l c h / 0.08);
  border-radius: var(--radius-lg);
}

.dti-gauge-bar {
  position: relative;
  height: 20px;
  border-radius: var(--radius-full);
  overflow: visible;
}

.dti-gauge-gradient {
  height: 100%;
  border-radius: var(--radius-full);
  background: linear-gradient(to right, #22C55E, #84CC16, #EAB308, #F97316, #EF4444);
}

.dti-gauge-tick {
  position: absolute;
  top: 0;
  width: 2px;
  height: 100%;
  background: var(--color-bg);
  opacity: 0.6;
  transform: translateX(-50%);
}

.dti-gauge-zones {
  display: flex;
  margin-top: var(--space-2);
  gap: 0;
}

.dti-zone-label {
  font-size: 0.75rem;
  font-weight: 600;
  text-align: center;
  line-height: 1.3;
  box-sizing: border-box;
}

.dti-zone-label small {
  font-weight: 400;
  font-size: 0.625rem;
  opacity: 0.7;
}

.dti-gauge-legend {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-top: var(--space-4);
  padding-top: var(--space-3);
  border-top: 1px solid oklch(from var(--color-text) l c h / 0.08);
}

.dti-legend-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.875rem;
  color: var(--color-text-muted);
}

.dti-legend-item strong {
  margin-left: auto;
  font-size: 1rem;
  color: var(--color-text);
}

.dti-dot {
  display: inline-block;
  width: 10px;
  height: 10px;
  border-radius: 50%;
  flex-shrink: 0;
}

/* Loan Comparison Cards */
.loan-compare-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-3);
  margin-bottom: var(--space-5);
}

@media (min-width: 800px) {
  .loan-compare-grid { grid-template-columns: repeat(3, 1fr); }
}

.loan-card {
  background: var(--color-surface-2);
  border: 1px solid oklch(from var(--color-text) l c h / 0.1);
  border-radius: var(--radius-xl);
  padding: var(--space-5) var(--space-4);
  text-align: center;
  position: relative;
  transition: border-color var(--transition-interactive);
}

.loan-card:hover {
  border-color: oklch(from var(--color-primary) l c h / 0.3);
}

.loan-card.recommended {
  border-color: var(--color-primary);
  box-shadow: 0 0 0 1px var(--color-primary), 0 4px 12px oklch(from var(--color-primary) l c h / 0.1);
}

.loan-card-title {
  font-family: var(--font-display);
  font-size: var(--text-sm);
  font-weight: 700;
  color: var(--color-text);
  margin-bottom: var(--space-2);
}

.loan-card-rate {
  font-family: var(--font-display);
  font-size: var(--text-xl);
  font-weight: 800;
  color: var(--color-primary);
  margin-bottom: var(--space-3);
}

.loan-card-detail {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  line-height: 1.7;
}

.loan-card-badge {
  display: inline-block;
  margin-top: var(--space-3);
  padding: var(--space-1) var(--space-3);
  border-radius: var(--radius-full);
  font-size: 0.6875rem;
  font-weight: 600;
}

.loan-card-badge.green {
  background: rgba(34, 197, 94, 0.1);
  color: #22C55E;
}
[data-theme="dark"] .loan-card-badge.green {
  background: rgba(34, 197, 94, 0.15);
  color: #4ADE80;
}

/* Sensitivity Table */
.sensitivity-table {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
  border: 1px solid oklch(from var(--color-text) l c h / 0.08);
  border-radius: var(--radius-lg);
  overflow: hidden;
  margin-bottom: var(--space-5);
  font-size: var(--text-xs);
}

.sensitivity-table th {
  background: var(--color-surface-2);
  padding: var(--space-3);
  font-weight: 600;
  color: var(--color-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.03em;
  text-align: left;
}

.sensitivity-table td {
  padding: var(--space-3);
  border-top: 1px solid oklch(from var(--color-text) l c h / 0.06);
  color: var(--color-text);
}

.sensitivity-table tr.highlight td {
  background: rgba(11, 110, 109, 0.06);
  font-weight: 600;
}
[data-theme="dark"] .sensitivity-table tr.highlight td {
  background: rgba(11, 110, 109, 0.12);
}

/* Rent vs Buy */
.rent-vs-buy {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-3);
  align-items: start;
  margin-bottom: var(--space-5);
}

.rent-vs-buy-col {
  text-align: center;
  padding: var(--space-5) var(--space-4);
  background: var(--color-surface-2);
  border-radius: var(--radius-xl);
  border: 1px solid oklch(from var(--color-text) l c h / 0.06);
}

.rent-vs-buy-label {
  font-family: var(--font-display);
  font-size: var(--text-sm);
  font-weight: 600;
  color: var(--color-text);
  margin-bottom: var(--space-3);
}

.rent-vs-buy-value {
  font-family: var(--font-display);
  font-size: clamp(1.25rem, 4vw, 1.75rem);
  font-weight: 800;
  color: var(--color-text);
  margin-bottom: var(--space-3);
}

.rent-vs-buy-value.positive {
  color: #22C55E;
}
[data-theme="dark"] .rent-vs-buy-value.positive {
  color: #4ADE80;
}

.rent-vs-buy-detail {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  line-height: 1.7;
  text-align: center;
}

/* Money Flow Visual */
.money-flow {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-4);
  margin-bottom: var(--space-5);
}

@media (max-width: 480px) {
  .money-flow { grid-template-columns: 1fr; }
}

.money-flow-item {
  text-align: center;
}

.money-flow-label {
  font-family: var(--font-display);
  font-size: var(--text-sm);
  font-weight: 600;
  color: var(--color-text);
  margin-bottom: var(--space-2);
}

.money-flow-bar {
  height: 32px;
  border-radius: var(--radius-full);
  overflow: hidden;
  display: flex;
  margin-bottom: var(--space-2);
}

.money-flow-segment {
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.625rem;
  font-weight: 600;
  color: #fff;
  white-space: nowrap;
  min-width: 0;
  overflow: hidden;
  padding: 0 4px;
}

/* Citations */
.citations-section {
  text-align: left;
  margin-bottom: var(--space-5);
  padding: var(--space-4);
  background: var(--color-surface-2);
  border-radius: var(--radius-lg);
  border: 1px solid oklch(from var(--color-text) l c h / 0.06);
}

.citations-section h4 {
  font-family: var(--font-display);
  font-size: var(--text-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--color-text-muted);
  margin-bottom: var(--space-3);
}

.citations-section ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.citations-section li {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  line-height: 1.6;
  padding: var(--space-1) 0;
}

.citations-section a {
  color: var(--color-primary);
  text-decoration: underline;
  text-decoration-color: oklch(from var(--color-primary) l c h / 0.3);
  text-underline-offset: 2px;
}

.citations-section a:hover {
  text-decoration-color: var(--color-primary);
}

/* Legacy results classes (still used) */
.results-cta {
  margin-bottom: var(--space-6);
  text-align: center;
}

.results-cta-text {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  font-style: italic;
  line-height: 1.5;
}

.results-disclaimer {
  font-size: var(--text-xs);
  color: var(--color-text-faint);
  line-height: 1.6;
  padding-top: var(--space-4);
  border-top: 1px solid oklch(from var(--color-text) l c h / 0.06);
  margin-bottom: var(--space-6);
  text-align: left;
}

.btn-start-over {
  margin-inline: auto;
}

/* CTA Button in results */
.results-card .btn-primary {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  margin-top: var(--space-2);
}

.results-card .btn-primary svg {
  width: 18px;
  height: 18px;
}

/* ============================================
   DISCLAIMER SECTION
   ============================================ */
.disclaimer-section {
  padding: var(--space-6) var(--space-4);
  border-top: 1px solid oklch(from var(--color-text) l c h / 0.06);
}

.disclaimer-inner {
  max-width: var(--content-default);
  margin-inline: auto;
}

.disclaimer-text {
  font-size: var(--text-xs);
  color: var(--color-text-faint);
  line-height: 1.6;
  text-align: center;
}

/* --- Scroll reveal (CSS-only) --- */
.fade-in {
  opacity: 1;
}

@supports (animation-timeline: scroll()) {
  .fade-in {
    opacity: 0;
    animation: reveal-fade linear both;
    animation-timeline: view();
    animation-range: entry 0% entry 100%;
  }
}

@keyframes reveal-fade {
  to { opacity: 1; }
}

/* --- Utility --- */
.container {
  max-width: var(--content-wide);
  margin-inline: auto;
  padding-inline: var(--space-4);
}

@media (min-width: 768px) {
  .container { padding-inline: var(--space-8); }
}

/* Skip link */
.skip-link {
  position: absolute;
  top: -100%;
  left: var(--space-4);
  z-index: 100;
  padding: var(--space-2) var(--space-4);
  background: var(--color-primary);
  color: var(--color-text-inverse);
  border-radius: var(--radius-md);
  font-size: var(--text-sm);
  text-decoration: none;
}

.skip-link:focus {
  top: var(--space-2);
}

/* ── Scroll reveal animations ── */
.result-section {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.result-section.revealed {
  opacity: 1;
  transform: translateY(0);
}

/* Stagger children within a revealed section */
.result-section.revealed .kpi-card,
.result-section.revealed .loan-card,
.result-section.revealed .outlay-card {
  animation: fadeSlideUp 0.5s ease both;
}

.result-section.revealed .kpi-card:nth-child(1),
.result-section.revealed .loan-card:nth-child(1),
.result-section.revealed .outlay-card:nth-child(1) { animation-delay: 0.05s; }
.result-section.revealed .kpi-card:nth-child(2),
.result-section.revealed .loan-card:nth-child(2),
.result-section.revealed .outlay-card:nth-child(2) { animation-delay: 0.15s; }
.result-section.revealed .kpi-card:nth-child(3),
.result-section.revealed .loan-card:nth-child(3) { animation-delay: 0.25s; }

@keyframes fadeSlideUp {
  from { opacity: 0; transform: translateY(12px); }
  to   { opacity: 1; transform: translateY(0); }
}

/* Count-up numbers start invisible until revealed */
.count-up {
  display: inline-block;
}

/* DTI gradient bar wipe */
.dti-gauge-gradient {
  transform-origin: left center;
  transform: scaleX(0);
  transition: transform 0.8s cubic-bezier(0.22, 1, 0.36, 1);
}

.revealed .dti-gauge-gradient {
  transform: scaleX(1);
}

/* Bar chart bars grow */
.bar-segment {
  transform-origin: bottom center;
  transform: scaleY(0);
  transition: transform 0.6s cubic-bezier(0.22, 1, 0.36, 1);
}

.revealed .bar-segment {
  transform: scaleY(1);
}

/* ── Results-visible: hide hero & form chrome ── */
body.results-visible .hero { display: none; }
body.results-visible .form-header { display: none; }
body.results-visible .form-progress { display: none; }

/* ============================================
   DARK MODE CONTRAST IMPROVEMENTS
   ============================================ */

/* Improve KPI card contrast in dark mode */
[data-theme="dark"] .kpi-card {
  background: #1C1C1A;
  border-color: #3A3A35;
}
[data-theme="dark"] .kpi-label {
  color: #9CA39C;
}
[data-theme="dark"] .kpi-value {
  color: #E5E5E0;
}

/* CTA group dark mode */
[data-theme="dark"] .cta-group {
  background: #1C1C1A;
  border-color: #3A3A35;
}
[data-theme="dark"] .btn-primary-cta {
  background: #4AADA8;
  color: #141413;
}
[data-theme="dark"] .btn-primary-cta:hover { background: #3D9590; }
[data-theme="dark"] .btn-secondary-cta {
  color: #E5E5E0;
  border-color: #4A4A44;
}
[data-theme="dark"] .btn-secondary-cta:hover {
  border-color: #4AADA8;
  background: rgba(74, 173, 168, 0.08);
}

/* Assumptions box dark mode */
[data-theme="dark"] .assumptions-box {
  background: #1C1C1A;
  border-color: #4A4A44;
  color: #9CA39C;
}
[data-theme="dark"] .assumptions-box strong {
  color: #E5E5E0;
}

/* Rate source & disclaimer dark mode */
[data-theme="dark"] .rate-source-info {
  background: #1C1C1A;
  border-color: #3A3A35;
  color: #9CA39C;
}
[data-theme="dark"] .rate-disclaimer {
  color: #7A7F7A;
}

/* Sensitivity table dark mode */
[data-theme="dark"] .sensitivity-table {
  border-color: #3A3A35;
}
[data-theme="dark"] .sensitivity-table th {
  background: #232320;
  color: #9CA39C;
  border-color: #3A3A35;
}
[data-theme="dark"] .sensitivity-table td {
  border-color: #2E2E2A;
  color: #E5E5E0;
}
[data-theme="dark"] .sensitivity-table tr.highlight {
  background: rgba(74, 173, 168, 0.08);
}
[data-theme="dark"] .sensitivity-table tr.highlight td {
  color: #4AADA8;
}

/* Results card dark mode */
[data-theme="dark"] .results-card {
  background: #1C1C1A;
  border-color: #2E2E2A;
}

/* Impact box dark mode */
[data-theme="dark"] .impact-box {
  border-color: #3A3A35;
}

/* Loan card dark mode */
[data-theme="dark"] .loan-card {
  background: #1C1C1A;
  border-color: #3A3A35;
}
[data-theme="dark"] .loan-card-title {
  color: #E5E5E0;
}
[data-theme="dark"] .loan-card-rate {
  color: #4AADA8;
}
[data-theme="dark"] .loan-card-detail {
  color: #9CA39C;
}

/* Rent vs buy columns dark mode */
[data-theme="dark"] .rent-vs-buy-col {
  background: #1C1C1A;
  border-color: #3A3A35;
}

/* Citations dark mode */
[data-theme="dark"] .citations-section {
  border-color: #3A3A35;
}
[data-theme="dark"] .citations-section a {
  color: #4AADA8;
}

/* Surface-2 used for first-year outlay cards, etc. */
[data-theme="dark"] [style*="background:var(--color-surface-2)"] {
  border: 1px solid #3A3A35;
}

/* Money flow bars - ensure white text stays readable */
[data-theme="dark"] .money-flow-segment span {
  text-shadow: 0 1px 2px rgba(0,0,0,0.5);
}

/* Impact disclaimer dark mode */
[data-theme="dark"] .impact-disclaimer {
  color: #7A7F7A;
}

/* Section subtitles dark mode */
[data-theme="dark"] .section-subtitle {
  color: #7A7F7A;
}

/* Footer disclaimer dark mode */
[data-theme="dark"] .results-disclaimer {
  color: #7A7F7A;
}
[data-theme="dark"] .results-disclaimer strong {
  color: #9CA39C;
}

/* Center key sections */
.impact-box,
.cta-group,
.results-disclaimer {
  text-align: center;
}

/* Results disclaimer improved styling */
.results-disclaimer {
  font-size: 11px;
  line-height: 1.6;
  color: var(--color-text-muted);
  padding: var(--space-4);
  margin-top: var(--space-6);
  margin-bottom: var(--space-4);
  border-top: 1px solid oklch(from var(--color-text) l c h / 0.06);
}

/* Dark mode: outcome-card */
[data-theme="dark"] .outcome-card {
  background: #1C1C1A;
  border-color: #2E2E2A;
  box-shadow: 0 4px 16px rgba(0,0,0,0.4);
}
[data-theme="dark"] .act-number {
  background: #4AADA8;
  color: #141413;
}

/* Inside outcome-card, result-sections don't need thick borders */
.outcome-card .result-section {
  border-top-color: oklch(from var(--color-text) l c h / 0.04);
}

/* Impact box inside outcome-card inherits card */
.outcome-card .impact-box {
  background: var(--color-surface-2);
  border: 1px solid oklch(from var(--color-text) l c h / 0.06);
  border-radius: var(--radius-lg);
  padding: var(--space-5);
  margin-bottom: var(--space-4);
}

/* Consolidation disclaimer inside outcome-card */
.outcome-card .impact-disclaimer {
  text-align: left;
}

/* Better text in outcome-card */
.outcome-card .outcome-text {
  text-align: left;
}

/* Loan comparison grid inside cards */
.outcome-card .loan-compare-grid {
  text-align: left;
}

/* First-year outlay cards */
.outcome-card [style*="grid-template-columns"] > div {
  border-radius: var(--radius-lg);
}