/* ========== INNER PAGES (shared) ========== */
.page-main {
  position: relative;
  z-index: 1;
  padding-top: 72px;
  overflow-x: clip;
  max-width: 100%;
}

.page-hero {
  padding: 96px 0 64px;
  position: relative;
  overflow: hidden;
}
.page-hero--compact { padding: 80px 0 48px; }
.page-hero-blob {
  position: absolute;
  right: -120px;
  top: 40px;
  width: 480px;
  height: 480px;
  opacity: 0.22;
  pointer-events: none;
}
.page-hero-eyebrow {
  color: var(--accent-primary);
  text-transform: uppercase;
  margin-bottom: 16px;
  display: block;
}
.page-hero-lead {
  color: var(--text-secondary);
  margin-top: 20px;
  max-width: 640px;
}
.page-hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-top: 32px;
}

.page-section { padding: 64px 0; }
.page-section--tight { padding: 48px 0; }
.page-section--alt {
  background: rgba(255, 255, 255, 0.015);
  border-top: 1px solid var(--border-default);
  border-bottom: 1px solid var(--border-default);
}

/* Stats / rates strip */
.page-stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin-top: 48px;
}
.page-stat {
  background: var(--surface-card);
  border-radius: var(--radius-xl);
  padding: 24px;
  border: 1px solid var(--border-default);
  transition: background var(--t-color), transform var(--t-transform);
}
.page-stat:hover {
  background: var(--surface-hover);
  transform: translateY(-2px);
}
.page-stat-label {
  font-size: 11px;
  font-weight: 500;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 8px;
}
.page-stat-value {
  font-size: 22px;
  font-weight: 600;
  margin-bottom: 6px;
}
.page-stat-hint {
  font-size: 13px;
  color: var(--text-secondary);
  line-height: 1.45;
}

/* Cards grid */
.page-card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.page-card {
  background: var(--surface-card);
  border-radius: var(--radius-xl);
  padding: 32px;
  border: 1px solid var(--border-default);
  transition: background var(--t-color), transform var(--t-transform);
}
.page-card:hover {
  background: var(--surface-hover);
  transform: translateY(-2px);
}
.page-card-icon {
  line-height: 1;
  color: var(--accent-primary);
  margin-bottom: 20px;
}
.page-card h3 { margin-bottom: 10px; }
.page-card p { color: var(--text-secondary); }

/* Two column story */
.page-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}
.page-split p { color: var(--text-secondary); margin-top: 16px; }
.page-split p + p { margin-top: 12px; }

.page-split-media {
  position: relative;
  min-height: 360px;
  border: none;
  background: transparent;
  overflow: visible;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 32px 24px;
}
.page-split-media::before {
  content: '';
  position: absolute;
  left: 50%;
  top: 50%;
  width: min(100%, 480px);
  height: min(100%, 400px);
  transform: translate(-50%, -48%);
  background: radial-gradient(
    ellipse 75% 65% at 50% 55%,
    rgba(151, 165, 252, 0.32) 0%,
    rgba(29, 21, 244, 0.14) 42%,
    transparent 72%
  );
  filter: blur(12px);
  z-index: 0;
  pointer-events: none;
}
.page-split-media img {
  position: relative;
  z-index: 1;
  display: block;
  width: 100%;
  max-width: 420px;
  height: auto;
  min-height: 0;
  object-fit: contain;
  filter: drop-shadow(0 14px 36px rgba(29, 21, 244, 0.35));
}
.page-split-content h2 { margin-bottom: 24px; }
.page-split-content .t-body {
  color: var(--text-secondary);
  margin-top: 0;
  margin-bottom: 16px;
}
.page-split-content .t-body:last-child { margin-bottom: 0; }

.page-prose { max-width: 720px; }
.page-prose h2 { margin-bottom: 24px; }
.page-prose p {
  color: var(--text-secondary);
  margin-top: 0;
  margin-bottom: 16px;
}
.page-prose p:last-child { margin-bottom: 0; }

/* List features */
.page-feature-list {
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.page-feature {
  display: flex;
  gap: 20px;
  padding: 24px;
  background: var(--surface-card);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-default);
}
.page-feature-num {
  font-size: 14px;
  font-weight: 600;
  color: var(--accent-primary);
  flex-shrink: 0;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--accent-soft);
  display: flex;
  align-items: center;
  justify-content: center;
}
.page-feature h3 { margin-bottom: 6px; font-size: 18px; }
.page-feature p { color: var(--text-secondary); font-size: 15px; }

/* CTA strip */
.page-cta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  padding: 40px 48px;
  background: var(--surface-card);
  border-radius: var(--radius-xl);
  border: 1px solid rgba(151, 165, 252, 0.12);
}
.page-cta p { color: var(--text-secondary); margin-top: 8px; }

/* Explainer (loan rates) */
.rates-explainer {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
}
.rates-explainer-card {
  background: var(--surface-card);
  border-radius: var(--radius-xl);
  padding: 32px;
  border: 1px solid var(--border-default);
}
.rates-explainer-card h3 {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 14px;
}
.rates-explainer-card h3 span {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--accent-soft);
  color: var(--accent-primary);
  font-size: 13px;
  font-weight: 600;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.rates-explainer-card p { color: var(--text-secondary); }
.rates-explainer-card p + p { margin-top: 12px; }
.rates-note {
  margin-top: 32px;
  padding: 20px 24px;
  border-radius: var(--radius-lg);
  background: var(--accent-soft);
  color: var(--text-secondary);
  font-size: 14px;
  line-height: 1.55;
}

/* Contact */
.contact-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-bottom: 48px;
}
.contact-card {
  background: var(--surface-card);
  border-radius: var(--radius-xl);
  padding: 28px;
  border: 1px solid var(--border-default);
  transition: background var(--t-color), transform var(--t-transform);
}
.contact-card:hover {
  background: var(--surface-hover);
  transform: translateY(-2px);
}
.contact-card-icon {
  line-height: 1;
  color: var(--accent-primary);
  margin-bottom: 16px;
}
.contact-card-label {
  font-size: 11px;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 8px;
}
.contact-card-value {
  font-size: 16px;
  font-weight: 500;
  color: var(--text-primary);
}
.contact-card-value.is-placeholder { color: var(--text-muted); font-style: italic; font-weight: 400; }
a.contact-card-value {
  text-decoration: none;
  color: var(--text-primary);
}
a.contact-card-value:hover { color: var(--accent-primary); }
.footer-contact {
  color: var(--text-muted);
  margin-top: 12px;
  line-height: 1.5;
}
.footer-contact a {
  color: var(--accent-primary);
  text-decoration: none;
}
.footer-contact a:hover { text-decoration: underline; }

.contact-aside {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 48px;
  align-items: start;
}
.contact-aside-text p { color: var(--text-secondary); margin-top: 12px; }
.contact-perks {
  margin-top: 28px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.contact-perk {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 14px;
  color: var(--text-secondary);
}
.contact-perk .mi { flex-shrink: 0; }
.contact-perk a {
  color: var(--accent-primary);
  text-decoration: none;
}
.contact-perk a:hover { text-decoration: underline; }

/* Forms */
.page-form {
  background: var(--surface-card);
  border-radius: var(--radius-xl);
  padding: 36px;
  border: 1px solid var(--border-default);
}
.page-form.is-hidden { display: none; }
.form-row { margin-bottom: 20px; }
.form-row--2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.form-label {
  display: block;
  font-size: 13px;
  font-weight: 500;
  color: var(--text-secondary);
  margin-bottom: 8px;
}
.form-input,
.form-select,
.form-textarea {
  width: 100%;
  font-family: inherit;
  font-size: 15px;
  color: var(--text-primary);
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid var(--border-input);
  border-radius: var(--radius-sm);
  padding: 14px 16px;
  transition: border-color var(--t-color), box-shadow var(--t-color);
}
.form-textarea { min-height: 140px; resize: vertical; }
.form-input::placeholder,
.form-textarea::placeholder { color: var(--text-muted); }
.form-input:hover,
.form-select:hover,
.form-textarea:hover { border-color: rgba(255, 255, 255, 0.22); }
.form-input:focus,
.form-select:focus,
.form-textarea:focus {
  border-color: var(--accent-primary);
  box-shadow: var(--glow-focus);
}
.form-select {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' fill='none'%3E%3Cpath stroke='%23898B9A' stroke-width='1.5' d='M1 1l5 5 5-5'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 16px center;
  padding-right: 40px;
}

/* Custom select (native option list cannot be themed on Windows) */
.form-custom-select {
  position: relative;
}

.form-custom-select-trigger {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  width: 100%;
  font-family: inherit;
  font-size: 15px;
  text-align: left;
  color: var(--text-primary);
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid var(--border-input);
  border-radius: var(--radius-sm);
  padding: 14px 16px;
  cursor: pointer;
  transition: border-color var(--t-color), box-shadow var(--t-color), background var(--t-color);
}

.form-custom-select-label.is-placeholder {
  color: var(--text-muted);
}

.form-custom-select-chevron {
  flex-shrink: 0;
  color: var(--text-muted);
  transition: transform 200ms ease, color var(--t-color);
}

.form-custom-select:hover .form-custom-select-trigger {
  border-color: rgba(255, 255, 255, 0.22);
}

.form-custom-select-trigger:focus {
  outline: none;
  border-color: var(--accent-primary);
  box-shadow: var(--glow-focus);
}

.form-custom-select-trigger:focus .form-custom-select-chevron,
.form-custom-select.is-open .form-custom-select-chevron {
  color: var(--accent-primary);
}

.form-custom-select.is-open .form-custom-select-chevron {
  transform: rotate(180deg);
}

.form-custom-select.is-open .form-custom-select-trigger {
  border-color: var(--accent-primary);
  box-shadow: var(--glow-focus);
}

.form-custom-select-menu {
  position: absolute;
  z-index: 30;
  top: calc(100% + 6px);
  left: 0;
  right: 0;
  margin: 0;
  padding: 6px;
  list-style: none;
  background: #1c1c26;
  border: 1px solid var(--border-input);
  border-radius: var(--radius-sm);
  box-shadow: 0 16px 48px rgba(0, 0, 0, 0.45);
  max-height: 260px;
  overflow-y: auto;
}

.form-custom-select-menu [role="option"] {
  padding: 12px 14px;
  border-radius: calc(var(--radius-sm) - 2px);
  font-size: 15px;
  line-height: 1.4;
  color: var(--text-secondary);
  cursor: pointer;
  transition: background var(--t-color), color var(--t-color);
}

.form-custom-select-menu [role="option"]:hover,
.form-custom-select-menu [role="option"]:focus {
  background: var(--accent-soft);
  color: var(--text-primary);
  outline: none;
}

.form-custom-select-menu [role="option"].is-selected {
  background: rgba(151, 165, 252, 0.16);
  color: var(--accent-primary);
}

.form-custom-select-menu [role="option"].is-selected:hover {
  background: rgba(151, 165, 252, 0.22);
}
.form-hint {
  font-size: 12px;
  color: var(--text-muted);
  margin-top: 6px;
}
.form-actions {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-top: 8px;
}
.form-success {
  display: none;
  text-align: center;
  padding: 48px 32px;
  background: var(--surface-card);
  border-radius: var(--radius-xl);
  border: 1px solid rgba(72, 212, 64, 0.2);
}
.form-success.is-visible { display: block; }
.form-success-icon {
  margin: 0 auto 20px;
  line-height: 1;
  display: flex;
  align-items: center;
  justify-content: center;
}
.form-success h3 { margin-bottom: 8px; }
.form-success p { color: var(--text-secondary); }

/* Legal / trust docs */
.trust-hub-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  margin-top: 48px;
  max-width: 720px;
}
.trust-hub-card {
  display: block;
  text-decoration: none;
  color: inherit;
  background: var(--surface-card);
  border-radius: var(--radius-xl);
  padding: 32px;
  border: 1px solid var(--border-default);
  transition: background var(--t-color), transform var(--t-transform), border-color var(--t-color);
}
.trust-hub-card:hover {
  background: var(--surface-hover);
  transform: translateY(-2px);
  border-color: rgba(151, 165, 252, 0.25);
}
.trust-hub-card h3 { margin-bottom: 8px; }
.trust-hub-card p { color: var(--text-secondary); font-size: 14px; }
.trust-hub-card .trust-hub-path {
  display: block;
  margin-top: 16px;
  font-size: 12px;
  color: var(--accent-primary);
}

.doc-layout {
  display: grid;
  grid-template-columns: 240px 1fr;
  gap: 48px;
  align-items: start;
  padding-bottom: 96px;
}
.doc-layout--single {
  grid-template-columns: 1fr;
}
.doc-layout--single .doc-content {
  max-width: 800px;
}
.doc-sidebar {
  position: sticky;
  top: 96px;
}
.doc-nav-title {
  font-size: 11px;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 16px;
}
.doc-nav a {
  display: block;
  font-size: 14px;
  color: var(--text-secondary);
  text-decoration: none;
  padding: 6px 0;
  transition: color var(--t-color);
}
.doc-nav a:hover { color: var(--accent-primary); }
.doc-nav a.is-active { color: var(--accent-primary); }
.doc-nav-pack {
  margin-top: 28px;
  padding-top: 0;
}
.doc-nav-pack a { font-size: 13px; padding: 6px 0; }

.doc-meta {
  font-size: 13px;
  color: var(--text-muted);
  margin-bottom: 40px;
}
.doc-content h2 {
  font-size: 22px;
  font-weight: 600;
  margin: 40px 0 12px;
}
.doc-content h2:first-child {
  margin-top: 0;
}
.doc-content h3 {
  font-size: 16px;
  font-weight: 600;
  margin: 24px 0 10px;
  color: var(--text-primary);
}
.doc-content p {
  font-size: 15px;
  color: var(--text-secondary);
  line-height: 1.65;
  margin-bottom: 14px;
}
.doc-content p.doc-lead {
  font-size: 16px;
  color: var(--text-secondary);
  margin-bottom: 20px;
}
.doc-content h3 + .doc-list-lead {
  margin-top: -2px;
}
.doc-content .doc-list-lead {
  font-size: 15px;
  font-weight: 500;
  color: var(--text-primary);
  margin: 0 0 10px;
  line-height: 1.5;
}
.doc-content .doc-list-lead strong {
  font-weight: 600;
  color: var(--text-primary);
}
.doc-content .doc-prose {
  font-size: 15px;
  color: var(--text-secondary);
  line-height: 1.7;
  margin: 0 0 18px;
}
.doc-content .doc-subhead {
  font-size: 15px;
  font-weight: 600;
  color: var(--text-primary);
  margin: 20px 0 8px;
}
.doc-content h3 + .doc-prose {
  margin-top: 0;
}
.doc-content h3 + .doc-list,
.doc-content .doc-list-lead + .doc-list {
  margin-top: 0;
}
.doc-content .doc-list {
  margin: 0 0 24px;
  padding: 0;
}
.doc-content h3 + .doc-list {
  margin-top: 4px;
}
.doc-content h2 + .doc-list,
.doc-content p + .doc-list {
  margin-top: 4px;
}
.doc-content .doc-list ul,
.doc-content .doc-list ol {
  list-style: none;
  margin: 0;
  padding: 0;
}
.doc-content ul:not(.doc-related),
.doc-content ol {
  list-style: none;
  margin: 0 0 20px;
  padding: 0;
}
.doc-content .doc-list li,
.doc-content ul:not(.doc-related) > li,
.doc-content ol > li {
  position: relative;
  padding-left: 1.35em;
  margin-bottom: 12px;
  font-size: 15px;
  color: var(--text-secondary);
  line-height: 1.65;
}
.doc-content .doc-list li::before,
.doc-content ul:not(.doc-related) > li::before,
.doc-content ol > li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.62em;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--accent-primary);
  opacity: 0.9;
  box-shadow: 0 0 10px rgba(99, 140, 255, 0.35);
}
.doc-content .doc-list li:last-child,
.doc-content ul:not(.doc-related) > li:last-child,
.doc-content ol > li:last-child {
  margin-bottom: 6px;
}
.doc-content li ul { margin-top: 10px; margin-bottom: 4px; }
.doc-content h3 + p:not(.doc-list-lead) + .doc-list,
.doc-content h3 + .doc-list {
  margin-bottom: 32px;
}
.doc-content a {
  color: var(--accent-primary);
  text-decoration: underline;
  text-underline-offset: 2px;
}
.doc-content strong { color: var(--text-primary); font-weight: 600; }
.doc-content .doc-related {
  margin: 20px 0 28px;
  padding-left: 1.35em;
}
.doc-placeholder {
  margin-bottom: 20px;
}
.doc-placeholder-label {
  display: none;
}
.doc-placeholder p {
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.6;
}

.main-nav .is-current { color: var(--accent-primary); }

@media (max-width: 1023px) {
  .page-stats { grid-template-columns: repeat(2, 1fr); }
  .page-card-grid { grid-template-columns: 1fr; }
  .page-split { grid-template-columns: 1fr; gap: 32px; }
  .page-split-media { min-height: 240px; padding: 24px 16px; }
  .page-split-media img { max-width: min(320px, 100%); }
  .rates-explainer { grid-template-columns: 1fr; }
  .contact-cards { grid-template-columns: repeat(2, 1fr); }
  .contact-aside { grid-template-columns: 1fr; }
  .trust-hub-grid { grid-template-columns: 1fr; }
  .doc-layout { grid-template-columns: 1fr; }
  .doc-sidebar { position: static; }
}
@media (max-width: 767px) {
  .page-hero-blob {
    right: -40px;
    top: 20px;
    width: min(280px, 75vw);
    height: min(280px, 75vw);
    opacity: 0.16;
  }
  .page-hero { padding: 72px 0 40px; }
  .page-hero--compact { padding: 64px 0 32px; }
  .page-hero-lead { font-size: 17px; }
  .page-hero-actions { margin-top: 24px; }
  .page-stats { grid-template-columns: 1fr; }
  .contact-cards { grid-template-columns: 1fr; }
  .form-row--2 { grid-template-columns: 1fr; }
  .form-actions {
    flex-direction: column;
    align-items: stretch;
    gap: 12px;
  }
  .form-actions .btn { width: 100%; justify-content: center; }
  .page-cta { flex-direction: column; align-items: flex-start; padding: 28px 24px; }
  .footer-cta-bar {
    flex-direction: column;
    align-items: flex-start;
    gap: 16px;
  }
  .footer-cta-bar .btn { width: 100%; justify-content: center; }
}