/* MortgagePro Global — style.css
   Shared styles: reset, typography, header, footer, grid, cards
   REO Technologies | June 2026 */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800&display=swap');

/* ===== RESET & BASE ===== */
*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: 'Inter', 'Helvetica Neue', Helvetica, Arial, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  background: var(--page-bg, #FFFFFF);
  color: var(--page-primary, #0B1D3A);
  -webkit-font-smoothing: antialiased;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: var(--page-accent, #B91C1C);
  text-decoration: underline;
}

a:hover {
  text-decoration: none;
}

ul[role="list"] {
  list-style: none;
}

/* ===== TYPOGRAPHY ===== */
h1,
h2,
h3,
h4 {
  font-family: 'Inter', 'Helvetica Neue', Helvetica, Arial, sans-serif;
  line-height: 1.25;
  color: var(--page-primary, #0B1D3A);
}

h1 {
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  margin-bottom: 0.75rem;
}

h2 {
  font-size: clamp(1.375rem, 3vw, 1.875rem);
  margin: 2rem 0 0.75rem;
}

h3 {
  font-size: clamp(1.125rem, 2.5vw, 1.375rem);
  margin: 1.5rem 0 0.5rem;
}

h4 {
  font-size: 1.05rem;
  margin: 1rem 0 0.4rem;
}

p {
  margin-bottom: 1rem;
}

/* ===== LAYOUT ===== */
.container {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 20px;
}

.page-layout {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
  padding: 32px 0;
}

@media (min-width: 1024px) {
  .page-layout {
    grid-template-columns: 1fr 300px;
  }
}

.main-content {
  min-width: 0;
}

.sidebar {
  min-width: 0;
}

/* ===== HEADER ===== */
.site-header {
  background: var(--page-primary, #0B1D3A);
  color: #fff;
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 2px 20px rgba(0, 0, 0, 0.3);
  border-bottom: 1px solid rgba(255,255,255,0.07);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 10px;
  padding-bottom: 10px;
  gap: 16px;
}

.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  color: #fff;
  flex-shrink: 0;
}

.logo-icon {
  flex-shrink: 0;
  line-height: 0;
}

.logo-text {
  font-family: 'Inter', sans-serif;
  font-size: 1.1rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  line-height: 1.15;
  color: #fff;
}

.logo-accent {
  color: #F87171;
}

.logo-text small {
  display: block;
  font-size: 0.6rem;
  font-weight: 400;
  opacity: 0.6;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

/* Nav */
#main-nav {
  flex: 1;
  display: flex;
  justify-content: flex-end;
}

.nav-list {
  display: flex;
  flex-wrap: nowrap;
  gap: 2px;
  align-items: center;
  list-style: none;
}

.nav-list > li > a {
  display: flex;
  align-items: center;
  gap: 5px;
  padding: 6px 10px;
  color: rgba(255, 255, 255, 0.85);
  text-decoration: none;
  font-size: 0.82rem;
  font-weight: 500;
  border-radius: 6px;
  transition: background 0.15s, color 0.15s;
  white-space: nowrap;
  font-family: 'Inter', sans-serif;
}

.header-flag {
  width: 18px;
  height: 12px;
  object-fit: cover;
  border-radius: 2px;
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.2);
  border: 1px solid rgba(255, 255, 255, 0.15);
  flex-shrink: 0;
}

.nav-list > li > a:hover,
.nav-list > li > a[aria-current="page"] {
  background: rgba(255, 255, 255, 0.12);
  color: #fff;
}

/* Header CTA button */
.btn-nav-cta {
  background: #B91C1C !important;
  color: #fff !important;
  padding: 8px 16px !important;
  border-radius: 8px !important;
  font-weight: 700 !important;
  font-size: 0.82rem !important;
  transition: background 0.2s, transform 0.1s !important;
  white-space: nowrap;
  letter-spacing: 0.01em;
}

.btn-nav-cta:hover {
  background: #991B1B !important;
  transform: translateY(-1px);
}

.nav-cta-item {
  margin-left: 6px;
}

.nav-chevron {
  font-size: 0.65rem;
  opacity: 0.7;
}

/* Dropdown nav */
.nav-dropdown {
  position: relative;
}

.nav-dropdown-menu {
  display: none;
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  background: #0F2347;
  border-radius: 10px;
  padding: 8px;
  min-width: 220px;
  list-style: none;
  box-shadow: 0 12px 40px rgba(0,0,0,0.35);
  border: 1px solid rgba(255,255,255,0.08);
  z-index: 100;
}

.nav-dropdown:hover .nav-dropdown-menu,
.nav-dropdown:focus-within .nav-dropdown-menu {
  display: block;
  animation: dropdownFade 0.15s ease;
}

@keyframes dropdownFade {
  from { opacity: 0; transform: translateY(-6px); }
  to { opacity: 1; transform: translateY(0); }
}

.nav-dropdown-menu a {
  display: flex !important;
  align-items: center;
  gap: 8px;
  padding: 9px 12px !important;
  color: rgba(255,255,255,0.85) !important;
  border-radius: 6px !important;
  font-size: 0.83rem !important;
  white-space: nowrap;
  text-decoration: none;
  transition: background 0.12s;
}

.nav-dropdown-menu a:hover {
  background: rgba(255,255,255,0.12) !important;
  color: #fff !important;
}

.hamburger-btn {
  display: none;
  background: none;
  border: 2px solid rgba(255, 255, 255, 0.5);
  color: #fff;
  padding: 6px 10px;
  border-radius: 5px;
  cursor: pointer;
  font-size: 1.1rem;
}

@media (max-width: 900px) {
  .hamburger-btn {
    display: block;
  }

  .nav-list {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--page-primary, #0B1D3A);
    flex-direction: column;
    align-items: stretch;
    padding: 12px;
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.3);
    gap: 0;
  }

  .nav-list.open {
    display: flex;
  }

  .nav-list a {
    padding: 10px 14px;
    font-size: 0.95rem;
  }
}

/* ===== FOOTER ===== */
.site-footer {
  background: var(--page-primary, #0B1D3A);
  color: rgba(255, 255, 255, 0.8);
  padding: 48px 0 0;
  margin-top: 64px;
  font-size: 0.9rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
  margin-bottom: 40px;
}

@media (min-width: 640px) {
  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .footer-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.footer-col h3 {
  color: #fff;
  font-size: 0.95rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 14px;
  font-family: 'Helvetica Neue', Arial, sans-serif;
  font-weight: 700;
}

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

.footer-col ul li {
  margin-bottom: 8px;
}

.footer-col a {
  color: rgba(255, 255, 255, 0.7);
  text-decoration: none;
}

.footer-col a:hover {
  color: #fff;
  text-decoration: underline;
}

.footer-disclaimer p {
  font-size: 0.82rem;
  line-height: 1.55;
  color: rgba(255, 255, 255, 0.6);
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  padding: 20px 0;
  text-align: center;
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.5);
}

/* ===== BREADCRUMB ===== */
.breadcrumb {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  align-items: center;
  font-size: 0.83rem;
  color: rgba(255, 255, 255, 0.75);
  padding: 16px 0 8px;
  list-style: none;
}

.breadcrumb li+li::before {
  content: "›";
  color: rgba(255, 255, 255, 0.5);
  margin-right: 6px;
}

.breadcrumb a {
  color: #fff;
  text-decoration: none;
  opacity: 0.9;
}

.breadcrumb a:hover {
  opacity: 1;
  text-decoration: underline;
}

/* ===== HERO SECTION ===== */
.page-hero {
  background: linear-gradient(135deg, #0B1D3A 0%, #1E3A8A 50%, #0F172A 100%);
  color: #fff;
  padding: 48px 0 56px;
  margin-bottom: 0;
  overflow: hidden;
  position: relative;
}

.page-hero h1 {
  color: #fff;
  margin-bottom: 10px;
}

.page-hero .subtitle {
  font-size: 1.1rem;
  opacity: 0.8;
  margin-bottom: 0;
}

/* ===== HOMEPAGE HERO V2 ===== */
.hero-v2 {
  background: linear-gradient(135deg, #050E1D 0%, #0B1D3A 40%, #162E5A 70%, #0B1D3A 100%);
  color: #fff;
  padding: 80px 0 100px;
  position: relative;
  overflow: hidden;
}

.hero-v2::before {
  content: '';
  position: absolute;
  top: -40%;
  right: -10%;
  width: 700px;
  height: 700px;
  background: radial-gradient(circle, rgba(185,28,28,0.18) 0%, transparent 70%);
  pointer-events: none;
}

.hero-v2::after {
  content: '';
  position: absolute;
  bottom: -20%;
  left: -5%;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(30,58,138,0.25) 0%, transparent 70%);
  pointer-events: none;
}

.hero-v2-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}

@media (max-width: 900px) {
  .hero-v2-inner {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .hero-v2-visual {
    display: none;
  }
}

.hero-v2-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(185,28,28,0.18);
  border: 1px solid rgba(185,28,28,0.35);
  border-radius: 20px;
  padding: 5px 14px;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: #FCA5A5;
  margin-bottom: 20px;
}

.hero-v2 h1 {
  font-family: 'Inter', 'Helvetica Neue', Helvetica, Arial, sans-serif;
  font-size: clamp(2rem, 4.5vw, 3.2rem);
  font-weight: 800;
  color: #fff;
  line-height: 1.15;
  margin-bottom: 20px;
}

.hero-v2 h1 .accent {
  background: linear-gradient(90deg, #F87171, #FBBF24);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-v2-desc {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.75);
  margin-bottom: 32px;
  line-height: 1.7;
  max-width: 520px;
}

.hero-v2-ctas {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 36px;
}

.btn-hero-primary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: #B91C1C;
  color: #fff;
  padding: 14px 28px;
  border-radius: 10px;
  font-weight: 700;
  font-size: 1rem;
  text-decoration: none;
  transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
  box-shadow: 0 4px 20px rgba(185,28,28,0.4);
  font-family: 'Inter', sans-serif;
}

.btn-hero-primary:hover {
  background: #991B1B;
  transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(185,28,28,0.5);
  text-decoration: none;
  color: #fff;
}

.btn-hero-secondary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.2);
  color: #fff;
  padding: 14px 24px;
  border-radius: 10px;
  font-weight: 600;
  font-size: 0.95rem;
  text-decoration: none;
  transition: background 0.2s, border-color 0.2s, transform 0.15s;
  font-family: 'Inter', sans-serif;
  backdrop-filter: blur(8px);
}

.btn-hero-secondary:hover {
  background: rgba(255,255,255,0.15);
  border-color: rgba(255,255,255,0.4);
  transform: translateY(-2px);
  text-decoration: none;
  color: #fff;
}

.hero-trust-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.trust-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 20px;
  padding: 5px 12px;
  font-size: 0.75rem;
  color: rgba(255,255,255,0.8);
  font-weight: 500;
  white-space: nowrap;
}

.trust-badge-icon {
  font-size: 0.85rem;
}

/* Hero Visual (right side) */
.hero-v2-visual {
  position: relative;
  z-index: 1;
}

.hero-calc-mockup {
  background: rgba(255,255,255,0.06);
  backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 20px;
  padding: 28px;
  box-shadow: 0 24px 60px rgba(0,0,0,0.4);
}

.hero-calc-mockup-header {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 20px;
  padding-bottom: 16px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}

.hero-calc-mockup-header h3 {
  color: #fff;
  font-size: 0.95rem;
  margin: 0;
  font-family: 'Inter', sans-serif;
  font-weight: 600;
}

.mockup-icon {
  width: 32px;
  height: 32px;
  background: linear-gradient(135deg,#B91C1C,#DC2626);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  flex-shrink: 0;
}

.mockup-field {
  margin-bottom: 14px;
}

.mockup-field label {
  display: block;
  font-size: 0.7rem;
  color: rgba(255,255,255,0.55);
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-bottom: 5px;
}

.mockup-input {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 8px;
  padding: 10px 14px;
  color: #fff;
  font-size: 0.95rem;
  font-weight: 600;
  font-family: 'Inter', sans-serif;
  width: 100%;
}

.mockup-result {
  background: linear-gradient(135deg, #B91C1C, #DC2626);
  border-radius: 12px;
  padding: 18px;
  margin-top: 16px;
}

.mockup-result-label {
  font-size: 0.7rem;
  color: rgba(255,255,255,0.75);
  font-weight: 600;
  letter-spacing: 0.07em;
  text-transform: uppercase;
}

.mockup-result-value {
  font-size: 2rem;
  font-weight: 800;
  color: #fff;
  font-family: 'Inter', 'Helvetica Neue', Helvetica, Arial, sans-serif;
  line-height: 1.2;
}

.mockup-result-sub {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.7);
  margin-top: 2px;
}

.hero-floating-cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-top: 14px;
}

.hero-float-card {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 10px;
  padding: 12px;
  text-align: center;
}

.hero-float-value {
  font-size: 1.1rem;
  font-weight: 700;
  color: #FBBF24;
  font-family: 'Inter', 'Helvetica Neue', Helvetica, Arial, sans-serif;
}

.hero-float-label {
  font-size: 0.65rem;
  color: rgba(255,255,255,0.55);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

/* ===== SECTION SHARED STYLES ===== */
.section-eyebrow {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: #B91C1C;
  margin-bottom: 8px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.section-eyebrow::before {
  content: '';
  display: inline-block;
  width: 24px;
  height: 2px;
  background: #B91C1C;
  border-radius: 2px;
}

.section-heading {
  font-family: 'Inter', 'Helvetica Neue', Helvetica, Arial, sans-serif;
  font-size: clamp(1.5rem, 3vw, 2rem);
  color: #0B1D3A;
  margin-bottom: 8px;
  margin-top: 0;
}

.section-subheading {
  font-size: 1rem;
  color: #6B7280;
  margin-bottom: 40px;
  max-width: 560px;
  line-height: 1.65;
}

.section-alt {
  background: #F8FAFF;
  padding: 72px 0;
  margin: 0;
}

.section-white {
  padding: 72px 0;
  margin: 0;
}

.section-dark {
  background: #0B1D3A;
  padding: 72px 0;
  margin: 0;
  color: #fff;
}

.section-dark .section-heading {
  color: #fff;
}

.section-dark .section-subheading {
  color: rgba(255,255,255,0.65);
}

.section-dark .section-eyebrow {
  color: #F87171;
}

.section-dark .section-eyebrow::before {
  background: #F87171;
}

/* ===== CALCULATOR CARDS (HOMEPAGE) ===== */
.calc-cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 24px;
  margin-top: 8px;
}

.calc-card {
  background: #fff;
  border-radius: 16px;
  padding: 28px;
  border: 1px solid #E5E7EB;
  box-shadow: 0 2px 12px rgba(0,0,0,0.05);
  transition: transform 0.2s, box-shadow 0.2s, border-color 0.2s;
  text-decoration: none;
  color: inherit;
  display: flex;
  flex-direction: column;
  gap: 0;
  position: relative;
  overflow: hidden;
}

.calc-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, #B91C1C, #DC2626);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.25s;
}

.calc-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 36px rgba(11,29,58,0.12);
  border-color: #B91C1C;
  text-decoration: none;
}

.calc-card:hover::before {
  transform: scaleX(1);
}

.calc-card-icon {
  width: 52px;
  height: 52px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  margin-bottom: 16px;
  background: linear-gradient(135deg, #FEF2F2, #FEE2E2);
  flex-shrink: 0;
  overflow: hidden;
}

.calc-card-icon img {
  width: 40px;
  height: 27px;
  object-fit: cover;
  border-radius: 4px;
  display: block;
}

.calc-card h3 {
  font-size: 1.05rem;
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  color: #0B1D3A;
  margin: 0 0 8px;
}

.calc-card p {
  font-size: 0.84rem;
  color: #6B7280;
  margin: 0 0 16px;
  line-height: 1.6;
  flex: 1;
}

.calc-card-meta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-top: auto;
}

.calc-card-time {
  font-size: 0.73rem;
  color: #9CA3AF;
  font-weight: 500;
}

.calc-card-cta {
  font-size: 0.78rem;
  font-weight: 700;
  color: #B91C1C;
  display: flex;
  align-items: center;
  gap: 4px;
  transition: gap 0.15s;
}

.calc-card:hover .calc-card-cta {
  gap: 8px;
}

/* ===== LIVE RATES SECTION ===== */
.rates-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
  gap: 16px;
  margin-top: 8px;
}

.rate-card {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 14px;
  padding: 20px;
  text-align: center;
  transition: background 0.2s, transform 0.2s;
  text-decoration: none;
  color: inherit;
  display: block;
}

.rate-card:hover {
  background: rgba(255,255,255,0.1);
  transform: translateY(-3px);
  text-decoration: none;
}

.rate-card-flag {
  font-size: 1.6rem;
  margin-bottom: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.rate-card-flag img {
  width: 36px;
  height: 24px;
  object-fit: cover;
  border-radius: 4px;
  display: block;
  box-shadow: 0 2px 8px rgba(0,0,0,0.25);
}

.rate-card-country {
  font-size: 0.72rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: rgba(255,255,255,0.55);
  margin-bottom: 6px;
}

.rate-card-value {
  font-size: 1.5rem;
  font-weight: 800;
  color: #FBBF24;
  font-family: 'Inter', 'Helvetica Neue', Helvetica, Arial, sans-serif;
  line-height: 1.2;
  margin-bottom: 2px;
}

.rate-card-label {
  font-size: 0.68rem;
  color: rgba(255,255,255,0.5);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.rates-disclaimer {
  margin-top: 20px;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.45);
  text-align: center;
}

.rates-disclaimer a {
  color: rgba(255,255,255,0.6);
}

/* ===== LEARNING CENTER ===== */
.blog-cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 24px;
  margin-top: 8px;
}

.blog-card {
  background: #fff;
  border-radius: 16px;
  overflow: hidden;
  border: 1px solid #E5E7EB;
  box-shadow: 0 2px 12px rgba(0,0,0,0.05);
  transition: transform 0.2s, box-shadow 0.2s;
  text-decoration: none;
  color: inherit;
  display: flex;
  flex-direction: column;
}

.blog-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 36px rgba(11,29,58,0.12);
  text-decoration: none;
}

.blog-card-img {
  height: 180px;
  background: linear-gradient(135deg, #0B1D3A, #1E3A8A);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 3rem;
  flex-shrink: 0;
  overflow: hidden;
}

.blog-card-img img {
  width: 48px;
  height: 32px;
  object-fit: cover;
  border-radius: 4px;
  box-shadow: 0 2px 8px rgba(0,0,0,0.3);
  display: block;
}

.blog-card-body {
  padding: 24px;
  display: flex;
  flex-direction: column;
  flex: 1;
}

.blog-card-meta {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 12px;
}

.blog-card-category {
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #B91C1C;
  background: #FEF2F2;
  border-radius: 4px;
  padding: 2px 8px;
}

.blog-card-time {
  font-size: 0.72rem;
  color: #9CA3AF;
}

.blog-card h3 {
  font-size: 1.05rem;
  color: #0B1D3A;
  margin: 0 0 10px;
  line-height: 1.4;
  font-family: 'Inter', 'Helvetica Neue', Helvetica, Arial, sans-serif;
}

.blog-card p {
  font-size: 0.84rem;
  color: #6B7280;
  margin: 0 0 16px;
  line-height: 1.6;
  flex: 1;
}

.blog-card-link {
  font-size: 0.82rem;
  font-weight: 700;
  color: #B91C1C;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 4px;
  margin-top: auto;
  transition: gap 0.15s;
}

.blog-card:hover .blog-card-link {
  gap: 8px;
}

.view-all-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 24px;
  background: #0B1D3A;
  color: #fff;
  border-radius: 10px;
  font-weight: 600;
  font-size: 0.9rem;
  text-decoration: none;
  transition: background 0.2s, transform 0.15s;
  margin-top: 32px;
}

.view-all-link:hover {
  background: #162E5A;
  transform: translateY(-2px);
  text-decoration: none;
  color: #fff;
}

/* ===== WHY CHOOSE US ===== */
.benefits-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
  gap: 20px;
  margin-top: 8px;
}

.benefit-card {
  background: #fff;
  border-radius: 14px;
  padding: 24px 20px;
  border: 1px solid #E5E7EB;
  box-shadow: 0 2px 10px rgba(0,0,0,0.04);
  transition: transform 0.2s, box-shadow 0.2s, border-color 0.2s;
  text-align: center;
}

.benefit-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 8px 24px rgba(11,29,58,0.1);
  border-color: #B91C1C;
}

.benefit-icon {
  width: 56px;
  height: 56px;
  background: linear-gradient(135deg,#FEF2F2,#FEE2E2);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin: 0 auto 14px;
}

.benefit-card h3 {
  font-size: 0.95rem;
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  color: #0B1D3A;
  margin: 0 0 8px;
}

.benefit-card p {
  font-size: 0.82rem;
  color: #6B7280;
  margin: 0;
  line-height: 1.55;
}

/* ===== GLOSSARY / INTERACTIVE LEARNING ===== */
.glossary-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 16px;
  margin-top: 8px;
}

.glossary-card {
  background: #fff;
  border-radius: 12px;
  border: 1px solid #E5E7EB;
  overflow: hidden;
  box-shadow: 0 2px 8px rgba(0,0,0,0.04);
}

.glossary-card-trigger {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding: 18px 20px;
  cursor: pointer;
  background: none;
  border: none;
  width: 100%;
  text-align: left;
  font-family: 'Inter', sans-serif;
  font-size: 0.95rem;
  font-weight: 600;
  color: #0B1D3A;
  transition: background 0.15s;
}

.glossary-card-trigger:hover {
  background: #F8FAFF;
}

.glossary-card-trigger::after {
  content: '+';
  font-size: 1.2rem;
  color: #B91C1C;
  font-weight: 300;
  flex-shrink: 0;
  transition: transform 0.2s;
}

.glossary-card.open .glossary-card-trigger::after {
  transform: rotate(45deg);
}

.glossary-card-term-icon {
  width: 32px;
  height: 32px;
  background: linear-gradient(135deg,#FEF2F2,#FEE2E2);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  flex-shrink: 0;
}

.glossary-card-label {
  flex: 1;
}

.glossary-card-body {
  display: none;
  padding: 0 20px 18px;
  font-size: 0.86rem;
  color: #4B5563;
  line-height: 1.65;
  border-top: 1px solid #F1F5F9;
  margin-top: 0;
  padding-top: 14px;
}

.glossary-card.open .glossary-card-body {
  display: block;
}

/* ===== POPULAR RESOURCES ===== */
.resources-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
  gap: 20px;
  margin-top: 8px;
}

.resource-card {
  background: #fff;
  border-radius: 14px;
  padding: 24px;
  border: 1px solid #E5E7EB;
  box-shadow: 0 2px 10px rgba(0,0,0,0.04);
  text-decoration: none;
  display: flex;
  flex-direction: column;
  gap: 8px;
  transition: transform 0.2s, box-shadow 0.2s, border-color 0.2s;
  color: inherit;
}

.resource-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 8px 24px rgba(11,29,58,0.1);
  border-color: #B91C1C;
  text-decoration: none;
}

.resource-card-icon {
  font-size: 1.8rem;
  margin-bottom: 4px;
}

.resource-card h3 {
  font-size: 0.95rem;
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  color: #0B1D3A;
  margin: 0;
}

.resource-card p {
  font-size: 0.82rem;
  color: #6B7280;
  margin: 0;
  line-height: 1.55;
}

.resource-card-arrow {
  font-size: 0.82rem;
  color: #B91C1C;
  font-weight: 700;
  margin-top: auto;
  padding-top: 8px;
  display: flex;
  align-items: center;
  gap: 4px;
  transition: gap 0.15s;
}

.resource-card:hover .resource-card-arrow {
  gap: 8px;
}

/* ===== STATS / WHY HOMEBUYERS SECTION ===== */
.stats-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
  gap: 24px;
  margin-top: 8px;
}

.stat-item {
  text-align: center;
}

.stat-value {
  font-size: 2.5rem;
  font-weight: 800;
  font-family: 'Inter', 'Helvetica Neue', Helvetica, Arial, sans-serif;
  color: #B91C1C;
  line-height: 1.1;
  margin-bottom: 4px;
}

.stat-label {
  font-size: 0.88rem;
  color: #6B7280;
  line-height: 1.5;
}

.stats-divider {
  width: 1px;
  background: #E5E7EB;
}

/* ===== TRUST STRIP ===== */
.trust-strip {
  background: #F8FAFF;
  border-top: 1px solid #E5E7EB;
  border-bottom: 1px solid #E5E7EB;
  padding: 20px 0;
}

.trust-strip-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 8px 24px;
  font-size: 0.82rem;
  color: #6B7280;
}

.trust-strip-inner a {
  color: #6B7280;
  text-decoration: none;
  transition: color 0.15s;
}

.trust-strip-inner a:hover {
  color: #B91C1C;
}

.trust-sep {
  opacity: 0.3;
}

/* Flag-inspired country hero gradients (with safe dark transitions for text contrast) */
.page-hero.hero-india {
  background: linear-gradient(135deg, #D85A00 0%, #0B1320 50%, #0F5E1C 100%) !important;
}

.page-hero.hero-usa {
  background: linear-gradient(135deg, #0A2240 0%, #0D1B2A 50%, #A61C30 100%) !important;
}

.page-hero.hero-canada {
  background: linear-gradient(135deg, #B31924 0%, #0D131C 50%, #B31924 100%) !important;
}

.page-hero.hero-uk {
  background: linear-gradient(135deg, #002F6C 0%, #0B1320 50%, #BF0A30 100%) !important;
}

.page-hero.hero-australia {
  background: linear-gradient(135deg, #00205B 0%, #0A111E 50%, #E6193C 100%) !important;
}

.page-hero.hero-nz {
  background: linear-gradient(135deg, #00247D 0%, #0F172A 50%, #CC142B 100%) !important;
}

.page-hero.hero-europe {
  background: linear-gradient(135deg, #003399 0%, #091326 50%, #FFCC00 100%) !important;
}

/* ===== QUICK ANSWER BOX ===== */
.quick-answer {
  background: #fff;
  border-left: 5px solid var(--page-accent, #B91C1C);
  border-radius: 0 10px 10px 0;
  padding: 20px 24px;
  margin: 24px 0;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);
}

.qa-label {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--page-accent, #B91C1C);
  margin-bottom: 8px !important;
}

/* ===== RATE STRIP ===== */
.rate-strip {
  background: var(--page-accent, #B91C1C);
  color: #fff;
  padding: 12px 0;
  overflow-x: auto;
}

.rate-strip .container {
  display: flex;
  gap: 28px;
  align-items: center;
  flex-wrap: nowrap;
}

.rate-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  white-space: nowrap;
  flex-shrink: 0;
}

.rate-item .rate-label {
  font-size: 0.68rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  opacity: 0.85;
}

.rate-item .rate-value {
  font-size: 1.05rem;
  font-weight: 700;
  font-family: 'Inter', 'Helvetica Neue', Helvetica, Arial, sans-serif;
}

.rate-strip-note {
  font-size: 0.72rem;
  opacity: 0.75;
  margin-left: auto;
  white-space: nowrap;
}

/* ===== CALCULATOR WIDGET ===== */
.calculator-card {
  background: #fff;
  border-radius: 16px;
  padding: 32px;
  box-shadow: 0 4px 24px rgba(0, 0, 0, 0.08);
  margin: 24px 0;
}

.calculator-card h2 {
  margin-top: 0;
  color: var(--page-primary, #0B1D3A);
}

.form-group {
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  font-size: 0.88rem;
  font-weight: 600;
  margin-bottom: 6px;
  color: var(--page-primary);
}

.form-group input,
.form-group select {
  width: 100%;
  padding: 11px 14px;
  border: 2px solid #D1D5DB;
  border-radius: 8px;
  font-size: 1rem;
  color: var(--page-primary);
  background: #fff;
  transition: border-color 0.15s;
  -moz-appearance: textfield;
  appearance: textfield;
}

.form-group input::-webkit-inner-spin-button {
  -webkit-appearance: none;
}

.form-group input:focus,
.form-group select:focus {
  border-color: var(--page-accent);
  outline: none;
}

.field-hint {
  display: block;
  font-size: 0.78rem;
  color: #6B7280;
  margin-top: 4px;
}

.field-error {
  display: block;
  font-size: 0.78rem;
  color: #DC2626;
  margin-top: 4px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

@media (max-width: 600px) {
  .form-row {
    grid-template-columns: 1fr;
  }
}

.btn-calculate {
  width: 100%;
  padding: 14px;
  background: var(--page-accent, #B91C1C);
  color: #fff;
  border: none;
  border-radius: 10px;
  font-size: 1.05rem;
  font-weight: 700;
  cursor: pointer;
  letter-spacing: 0.02em;
  transition: background 0.15s, transform 0.1s;
  margin-top: 8px;
}

.btn-calculate:hover {
  filter: brightness(1.1);
}

.btn-calculate:active {
  transform: scale(0.99);
}

.results-section {
  background: linear-gradient(135deg, var(--page-primary, #0B1D3A), color-mix(in srgb, var(--page-primary, #0B1D3A) 80%, #000));
  color: #fff;
  border-radius: 12px;
  padding: 28px;
  margin-top: 28px;
  display: none;
}

.results-section.visible {
  display: block;
}

.results-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 20px;
  margin-bottom: 20px;
}

.result-item {
  text-align: center;
}

.result-item .result-label {
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  opacity: 0.75;
  margin-bottom: 4px;
}

.result-item .result-value {
  font-size: 1.6rem;
  font-weight: 700;
  font-family: 'Inter', 'Helvetica Neue', Helvetica, Arial, sans-serif;
  line-height: 1.1;
}

.result-item .result-value.highlight {
  color: #FCD34D;
  font-size: 2rem;
}

/* Chart */
.chart-container {
  background: rgba(255, 255, 255, 0.08);
  border-radius: 10px;
  padding: 16px;
  margin-top: 16px;
}

.chart-container canvas {
  width: 100% !important;
  max-height: 240px;
}

/* ===== TOOL CARDS GRID ===== */
.tool-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
  margin: 24px 0;
}

@media (min-width: 640px) {
  .tool-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .tool-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.tool-card {
  background: #fff;
  border-radius: 12px;
  padding: 22px;
  box-shadow: 0 2px 10px rgba(0, 0, 0, 0.06);
  border: 1px solid rgba(0, 0, 0, 0.06);
  text-decoration: none;
  display: block;
  transition: transform 0.15s, box-shadow 0.15s;
  color: inherit;
}

.tool-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(0, 0, 0, 0.1);
  text-decoration: none;
}

.tool-card .tool-icon {
  font-size: 2rem;
  margin-bottom: 10px;
}

.tool-card h3 {
  font-size: 1rem;
  margin: 0 0 6px;
  color: var(--page-primary);
}

.tool-card p {
  font-size: 0.83rem;
  color: #6B7280;
  margin: 0;
}

/* ===== COUNTRY CARDS (Homepage) ===== */
.country-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 20px;
  margin: 32px 0;
}

.country-card {
  background: #fff;
  border-radius: 16px;
  padding: 28px;
  text-decoration: none;
  display: block;
  border-top: 5px solid var(--card-accent, #B91C1C);
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.07);
  transition: transform 0.15s, box-shadow 0.15s;
  color: inherit;
}

.country-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 8px 28px rgba(0, 0, 0, 0.12);
  text-decoration: none;
}

.country-card .flag {
  font-size: 0;
  width: 48px;
  height: 32px;
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  border-radius: 4px;
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.12);
  border: 1px solid rgba(0, 0, 0, 0.08);
  margin-bottom: 16px;
  display: block;
  transition: transform 0.15s ease;
}

.country-card:hover .flag {
  transform: scale(1.05);
}

.country-card[href*="india"] .flag {
  background-image: url('https://flagcdn.com/in.svg');
}

.country-card[href*="usa"] .flag {
  background-image: url('https://flagcdn.com/us.svg');
}

.country-card[href*="canada"] .flag {
  background-image: url('https://flagcdn.com/ca.svg');
}

.country-card[href*="uk"] .flag {
  background-image: url('https://flagcdn.com/gb.svg');
}

.country-card[href*="australia"] .flag {
  background-image: url('https://flagcdn.com/au.svg');
}

.country-card[href*="new-zealand"] .flag {
  background-image: url('https://flagcdn.com/nz.svg');
}

.country-card[href*="europe"] .flag {
  background-image: url('https://flagcdn.com/eu.svg');
}

.country-card h3 {
  font-size: 1.15rem;
  margin: 0 0 6px;
  color: #0B1D3A;
}

.country-card p {
  font-size: 0.85rem;
  color: #4B5563;
  margin: 0;
}

.country-card .rate-badge {
  display: inline-block;
  background: #F3F4F6;
  border-radius: 20px;
  padding: 3px 10px;
  font-size: 0.78rem;
  font-weight: 600;
  margin-top: 12px;
  color: #374151;
}

/* ===== CONTACT PAGE ===== */
.contact-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
  margin: 32px 0;
}

.contact-channel-card {
  background: #fff;
  padding: 24px;
  border-radius: 12px;
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.04);
  border: 1px solid #e5e7eb;
}

.contact-channel-card h3 {
  margin-top: 0;
  color: var(--page-primary);
}

.contact-channel-card p {
  margin-bottom: 1rem;
}

.contact-channel-card .response-time {
  font-size: 0.9rem;
  color: #6b7280;
  margin-bottom: 0;
}

/* ===== FAQ SECTION ===== */
.faq-list {
  list-style: none;
  margin: 0;
}

.faq-item {
  border-bottom: 1px solid #E5E7EB;
  padding: 0;
}

.faq-question {
  width: 100%;
  background: none;
  border: none;
  text-align: left;
  padding: 18px 0;
  font-size: 1rem;
  font-weight: 600;
  color: var(--page-primary, #0B1D3A);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  line-height: 1.4;
  font-family: 'Helvetica Neue', Arial, sans-serif;
}

.faq-question::after {
  content: "+";
  font-size: 1.4rem;
  font-weight: 300;
  flex-shrink: 0;
  color: var(--page-accent);
  transition: transform 0.2s;
}

.faq-question[aria-expanded="true"]::after {
  transform: rotate(45deg);
}

.faq-answer {
  display: none;
  padding: 0 0 18px;
  color: #374151;
  font-size: 0.95rem;
  line-height: 1.65;
}

.faq-answer.open {
  display: block;
}

/* ===== FAQ NAVIGATION & SECTION FLAGS ===== */
.faq-nav-links a {
  display: flex !important;
  align-items: center;
  gap: 6px;
}

.faq-section h2 {
  display: flex;
  align-items: center;
  gap: 10px;
}

.faq-section-flag {
  width: 28px;
  height: 18px;
  object-fit: cover;
  border-radius: 3px;
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.12);
  border: 1px solid rgba(0, 0, 0, 0.08);
  flex-shrink: 0;
  display: inline-block;
}

/* ===== DATA TABLES ===== */
.data-table-wrap {
  overflow-x: auto;
  margin: 20px 0;
}

table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9rem;
  background: #fff;
  border-radius: 10px;
  overflow: hidden;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);
}

caption {
  padding: 14px 16px;
  font-weight: 700;
  font-size: 0.88rem;
  text-align: left;
  color: var(--page-primary);
  background: #F8FAFC;
  border-bottom: 1px solid #E5E7EB;
}

thead {
  background: var(--page-primary, #0B1D3A);
  color: #fff;
}

th {
  padding: 12px 14px;
  text-align: left;
  font-size: 0.82rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

td {
  padding: 12px 14px;
  border-bottom: 1px solid #F1F5F9;
}

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

tbody tr:hover {
  background: #F8FAFC;
}

/* ===== AD UNITS ===== */
.ad-unit {
  background: #F8FAFC;
  border: 1px dashed #CBD5E1;
  border-radius: 8px;
  min-height: 90px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #94A3B8;
  font-size: 0.75rem;
  margin: 28px 0;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.ad-sidebar {
  min-height: 250px;
}

.ad-leaderboard {
  min-height: 90px;
}

/* ===== SOURCE NOTE ===== */
.source-note {
  font-size: 0.78rem;
  color: #6B7280;
  margin-top: -8px;
}

.source-note a {
  color: #6B7280;
}

/* ===== CONTENT ARTICLE ===== */
.content-article {
  max-width: 780px;
}

.content-article p {
  color: #374151;
  line-height: 1.75;
}

.content-article ul,
.content-article ol {
  padding-left: 1.4em;
  margin-bottom: 1rem;
}

.content-article li {
  margin-bottom: 0.5rem;
  color: #374151;
}

/* ===== RESOURCE LINKS ===== */
.resource-links {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin: 20px 0;
}

.resource-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 8px 16px;
  background: #fff;
  border: 1px solid #E5E7EB;
  border-radius: 20px;
  font-size: 0.84rem;
  color: var(--page-primary);
  text-decoration: none;
  transition: border-color 0.15s, background 0.15s;
}

.resource-link:hover {
  border-color: var(--page-accent);
  background: #FEF2F2;
  text-decoration: none;
}

/* ===== DEFINITION PARA ===== */
.definition-para {
  background: #F8FAFC;
  border-radius: 8px;
  padding: 16px 20px;
  font-size: 0.95rem;
  color: #374151;
}

/* ===== SECTION SPACING ===== */
section {
  margin-bottom: 0;
}

/* Legacy section spacing for non-homepage sections */
.container > section {
  margin-bottom: 48px;
}

/* New full-width sections reset margin */
.section-white,
.section-alt,
.section-dark {
  margin-bottom: 0 !important;
}

/* ===== SKIP LINK ===== */
.skip-link {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

.skip-link:focus {
  position: fixed;
  left: 0;
  top: 0;
  width: auto;
  height: auto;
  padding: 12px 24px;
  background: #0B1D3A;
  color: #fff;
  font-size: 16px;
  font-weight: 700;
  z-index: 99999;
  text-decoration: none;
  border-radius: 0 0 8px 0;
}

/* ===== DARK MODE ===== */
@media (prefers-color-scheme: dark) {
  :root {
    color-scheme: dark;
    --bg-primary: #081326;
    --bg-secondary: #12203a;
    --bg-card: #1d2b44;
    --text-primary: #ffffff;
    --text-secondary: #d6dce5;
    --accent: #2ea8ff;
    --border-color: rgba(255, 255, 255, 0.08);

    /* Map existing template variables to the central theme system */
    --bg: var(--bg-primary);
    --text: var(--text-primary);
    --card-bg: var(--bg-card);
    --border: var(--border-color);
    --page-bg: var(--bg-primary);
    --page-primary: var(--text-primary);
    --page-accent: var(--accent);
  }

  body {
    background: var(--bg-primary) !important;
    color: var(--text-primary) !important;
  }

  h1,
  h2,
  h3,
  h4 {
    color: var(--text-primary) !important;
  }

  p,
  li,
  .content-article p,
  .content-article li {
    color: var(--text-secondary) !important;
  }

  a {
    color: var(--accent);
  }

  a:hover {
    color: #7dd3fc;
  }

  .logo,
  .nav-list a {
    color: #fff !important;
  }

  .nav-list a:hover,
  .nav-list a.active,
  .nav-list a[aria-current="page"] {
    background: rgba(255, 255, 255, 0.15) !important;
    color: #fff !important;
  }

  .site-header {
    background: var(--bg-primary) !important;
  }

  .site-footer {
    background: var(--bg-primary) !important;
    color: rgba(255, 255, 255, 0.6) !important;
  }

  .footer-col h3 {
    color: var(--text-primary) !important;
  }

  .footer-col a {
    color: rgba(255, 255, 255, 0.6) !important;
  }

  .footer-col a:hover {
    color: var(--accent) !important;
  }

  .country-card,
  .tool-card {
    background: var(--bg-card) !important;
    color: var(--text-primary) !important;
    border: 1px solid var(--border-color) !important;
    box-shadow: 0 4px 16px rgba(0, 0, 0, 0.2) !important;
  }

  .country-card:hover,
  .tool-card:hover {
    border-color: var(--accent) !important;
  }

  .country-card h3,
  .tool-card h3 {
    color: var(--text-primary) !important;
  }

  .country-card p,
  .tool-card p {
    color: var(--text-secondary) !important;
  }

  .country-card .rate-badge {
    background: var(--bg-primary) !important;
    color: var(--text-primary) !important;
  }

  .faq-question {
    color: var(--text-primary) !important;
  }

  .faq-answer {
    color: var(--text-secondary) !important;
  }

  .form-group label {
    color: var(--text-primary) !important;
  }

  .form-group input,
  .form-group select {
    background: var(--bg-primary) !important;
    color: var(--text-primary) !important;
    border-color: #475569 !important;
  }

  .form-group input:focus,
  .form-group select:focus {
    border-color: var(--accent) !important;
  }

  .field-hint {
    color: var(--text-secondary) !important;
  }

  .field-error {
    color: #F87171 !important;
  }

  .calculator-card {
    background: var(--bg-card) !important;
  }

  .calculator-card p {
    color: var(--text-secondary) !important;
  }

  .results-section {
    background: linear-gradient(135deg, var(--bg-card), var(--bg-primary)) !important;
    border: 1px solid var(--border-color) !important;
  }

  table {
    background: var(--bg-card) !important;
  }

  caption {
    background: var(--bg-primary) !important;
    color: var(--text-primary) !important;
    border-bottom-color: var(--border-color) !important;
  }

  thead {
    background: var(--bg-primary) !important;
  }

  th {
    color: var(--text-primary) !important;
  }

  td {
    color: var(--text-secondary) !important;
    border-bottom-color: var(--border-color) !important;
  }

  tbody tr:hover {
    background: rgba(255, 255, 255, 0.04) !important;
  }

  .breadcrumb {
    color: rgba(255, 255, 255, 0.6) !important;
  }

  .breadcrumb a {
    color: var(--accent) !important;
  }

  .quick-answer {
    background: var(--bg-card) !important;
  }

  .definition-para {
    background: var(--bg-card) !important;
    color: var(--text-secondary) !important;
  }

  .resource-link {
    background: var(--bg-card) !important;
    border-color: var(--border-color) !important;
    color: var(--text-primary) !important;
  }

  .ad-unit {
    background: var(--bg-card) !important;
    border-color: var(--border-color) !important;
  }

  .source-note,
  .source-note a {
    color: var(--text-secondary) !important;
  }

  .rate-strip {
    background: var(--bg-card) !important;
    border-bottom: 1px solid var(--border-color) !important;
    color: var(--text-primary) !important;
  }

  .rate-item .rate-value {
    color: var(--accent) !important;
  }

  .rate-strip-note {
    color: var(--text-secondary) !important;
  }

  .faq-nav {
    background: var(--bg-card) !important;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.2) !important;
  }

  .faq-nav h3 {
    color: var(--text-secondary) !important;
  }

  .faq-nav-links a {
    background: var(--bg-primary) !important;
    color: var(--text-primary) !important;
  }

  .faq-nav-links a:hover {
    background: var(--accent) !important;
    color: #fff !important;
  }

  .faq-section h2 {
    border-bottom-color: var(--border-color) !important;
  }

  .faq-section-flag {
    border-color: rgba(255, 255, 255, 0.15) !important;
  }

  .contact-channel-card {
    background: var(--bg-card) !important;
    border-color: var(--border-color) !important;
    box-shadow: 0 2px 12px rgba(0, 0, 0, 0.2) !important;
  }

  .contact-channel-card h3 {
    color: var(--text-primary) !important;
  }

  .contact-channel-card .response-time {
    color: var(--text-secondary) !important;
  }

  .contact-card {
    background: var(--bg-card) !important;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.2) !important;
  }

  .form-group textarea {
    background: var(--bg-primary) !important;
    color: var(--text-primary) !important;
    border-color: #475569 !important;
  }

  .form-group textarea:focus {
    border-color: var(--accent) !important;
  }

  .status-msg.success {
    background: #065F46 !important;
    color: #DEF7EC !important;
  }

  code[style] {
    background: var(--bg-primary) !important;
    border-color: var(--border-color) !important;
    color: var(--text-primary) !important;
  }

  .country-card .flag {
    border-color: var(--border-color) !important;
  }

  /* ===== HERO OVERRIDES ===== */
  .page-hero {
    background: linear-gradient(135deg, #0F172A 0%, #1E3A8A 50%, #0F172A 100%) !important;
    color: #ffffff !important;
  }

  /* ===== NEW HOMEPAGE SECTION OVERRIDES ===== */

  /* Section backgrounds */
  .section-white {
    background: var(--bg-secondary, #12203a) !important;
  }

  .section-alt {
    background: var(--bg-primary, #081326) !important;
  }

  /* Section text */
  .section-heading {
    color: var(--text-primary, #fff) !important;
  }

  .section-subheading {
    color: var(--text-secondary, #d6dce5) !important;
  }

  .section-eyebrow {
    color: #F87171 !important;
  }

  .section-eyebrow::before {
    background: #F87171 !important;
  }

  /* Calculator cards */
  .calc-card {
    background: var(--bg-card, #1d2b44) !important;
    border-color: rgba(255,255,255,0.08) !important;
  }

  .calc-card h3 {
    color: var(--text-primary, #fff) !important;
  }

  .calc-card p {
    color: var(--text-secondary, #d6dce5) !important;
  }

  .calc-card-time {
    color: rgba(255,255,255,0.45) !important;
  }

  .calc-card-icon {
    background: rgba(185,28,28,0.18) !important;
  }

  /* Benefit cards */
  .benefit-card {
    background: var(--bg-card, #1d2b44) !important;
    border-color: rgba(255,255,255,0.08) !important;
  }

  .benefit-card h3 {
    color: var(--text-primary, #fff) !important;
  }

  .benefit-card p {
    color: var(--text-secondary, #d6dce5) !important;
  }

  .benefit-icon {
    background: rgba(185,28,28,0.18) !important;
  }

  /* Blog cards */
  .blog-card {
    background: var(--bg-card, #1d2b44) !important;
    border-color: rgba(255,255,255,0.08) !important;
  }

  .blog-card h3 {
    color: var(--text-primary, #fff) !important;
  }

  .blog-card p {
    color: var(--text-secondary, #d6dce5) !important;
  }

  .blog-card-category {
    background: rgba(185,28,28,0.2) !important;
    color: #F87171 !important;
  }

  .blog-card-time {
    color: rgba(255,255,255,0.45) !important;
  }

  /* Resource cards */
  .resource-card {
    background: var(--bg-card, #1d2b44) !important;
    border-color: rgba(255,255,255,0.08) !important;
  }

  .resource-card h3 {
    color: var(--text-primary, #fff) !important;
  }

  .resource-card p {
    color: var(--text-secondary, #d6dce5) !important;
  }

  /* Glossary cards */
  .glossary-card {
    background: var(--bg-card, #1d2b44) !important;
    border-color: rgba(255,255,255,0.08) !important;
  }

  .glossary-card-trigger {
    color: var(--text-primary, #fff) !important;
    background: var(--bg-card, #1d2b44) !important;
  }

  .glossary-card-trigger:hover {
    background: rgba(255,255,255,0.06) !important;
  }

  .glossary-card-trigger::after {
    color: #F87171 !important;
  }

  .glossary-card-term-icon {
    background: rgba(185,28,28,0.18) !important;
  }

  .glossary-card-body {
    color: var(--text-secondary, #d6dce5) !important;
    border-top-color: rgba(255,255,255,0.06) !important;
  }

  /* Stats section */
  .stat-value {
    color: #F87171 !important;
  }

  .stat-label {
    color: var(--text-secondary, #d6dce5) !important;
  }

  /* About inline text */
  .about-inline p,
  .about-inline > div > p {
    color: var(--text-secondary, #d6dce5) !important;
  }

  /* Trust strip */
  .trust-strip {
    background: var(--bg-secondary, #12203a) !important;
    border-color: rgba(255,255,255,0.08) !important;
  }

  .trust-strip-inner {
    color: rgba(255,255,255,0.5) !important;
  }

  .trust-strip-inner a {
    color: rgba(255,255,255,0.55) !important;
  }

  .trust-strip-inner a:hover {
    color: #F87171 !important;
  }

  /* About section */
  .about-badge {
    background: var(--bg-card, #1d2b44) !important;
    border-color: rgba(255,255,255,0.08) !important;
    color: var(--text-primary, #fff) !important;
  }

  /* View all link */
  .view-all-link {
    background: rgba(255,255,255,0.1) !important;
    border: 1px solid rgba(255,255,255,0.15) !important;
  }

  .view-all-link:hover {
    background: rgba(255,255,255,0.18) !important;
  }

  /* Tool cards (How it works section) */
  .tool-card {
    background: var(--bg-card, #1d2b44) !important;
    border-color: rgba(255,255,255,0.08) !important;
  }

  .tool-card h3 {
    color: var(--text-primary, #fff) !important;
  }

  .tool-card p {
    color: var(--text-secondary, #d6dce5) !important;
  }

  /* FAQ in dark sections */
  .faq-question::after {
    color: #F87171 !important;
  }

  /* Ad units */
  .ad-unit {
    background: var(--bg-card) !important;
    border-color: rgba(255,255,255,0.08) !important;
  }

  /* Social widget */
  .social-widget {
    position: fixed;
    bottom: 20px;
    right: 20px;
    z-index: 1000;
  }

  main {
    padding-bottom: 120px;
  }

  @media (max-width: 900px) {
    .nav-list {
      background: var(--bg-primary) !important;
    }
  }

  @media (max-width: 768px) {
    .social-widget {
      bottom: 80px;
    }
  }
}

/* ===== REDUCED MOTION ===== */
@media (prefers-reduced-motion: reduce) {

  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }
}

/* ===== FORCED COLORS ===== */
@media (forced-colors: active) {

  .card,
  .tool-card,
  .country-card {
    border: 1px solid ButtonText;
  }

  .btn-calculate {
    forced-color-adjust: none;
  }
}

/* ===== SCROLL FADE-IN ===== */
.fade-in {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.55s ease, transform 0.55s ease;
}

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

/* ===== HOMEPAGE MOBILE FIXES ===== */
@media (max-width: 640px) {
  .hero-v2 {
    padding: 60px 0 70px;
  }
  .hero-v2-ctas {
    flex-direction: column;
    align-items: flex-start;
  }
  .calc-cards-grid,
  .blog-cards-grid {
    grid-template-columns: 1fr;
  }
  .stats-grid {
    grid-template-columns: 1fr 1fr;
  }
}

/* ===== ABOUT INLINE SECTION ===== */
.about-inline {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}

@media (max-width: 768px) {
  .about-inline {
    grid-template-columns: 1fr;
    gap: 24px;
  }
}

.about-inline-img {
  background: linear-gradient(135deg, #0B1D3A 0%, #1E3A8A 100%);
  border-radius: 20px;
  height: 280px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 5rem;
}

.about-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 20px;
}

.about-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: #F8FAFF;
  border: 1px solid #E5E7EB;
  border-radius: 20px;
  padding: 5px 14px;
  font-size: 0.78rem;
  font-weight: 600;
  color: #374151;
}