/* =============================================
   HomeReality Check — Main Stylesheet
   Premium Fintech / Real Estate Aesthetic
   ============================================= */

:root {
  --bg: #F7FAFC;
  --surface: #FFFFFF;
  --surface-2: #F0F4F8;
  --navy: #102A43;
  --navy-light: #1A3A56;
  --slate: #334E68;
  --slate-light: #486581;
  --blue: #2F80ED;
  --blue-light: #5B9FEF;
  --blue-dark: #1A6CC9;
  --success: #27AE60;
  --success-bg: #EBF7F0;
  --warning: #F2C94C;
  --warning-bg: #FFFBEC;
  --danger: #EB5757;
  --danger-bg: #FEF0F0;
  --info: #2D9CDB;
  --info-bg: #EBF6FD;
  --risk: #C0392B;
  --border: #D9E2EC;
  --border-light: #EEF2F7;
  --muted: #829AB1;
  --muted-light: #BCCCDC;
  --text: #243B53;
  --text-light: #334E68;
  --shadow-xs: 0 1px 3px rgba(0,0,0,.06);
  --shadow-sm: 0 2px 8px rgba(0,0,0,.08);
  --shadow-md: 0 4px 16px rgba(0,0,0,.10);
  --shadow-lg: 0 8px 32px rgba(0,0,0,.12);
  --shadow-xl: 0 16px 48px rgba(0,0,0,.14);
  --radius-sm: 8px;
  --radius: 12px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --transition: 0.2s ease;
  --transition-slow: 0.35s ease;
  --font: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --max-w: 1200px;
  --max-w-sm: 640px;
  --max-w-md: 800px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--font);
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

/* ---- Typography ---- */
h1, h2, h3, h4, h5, h6 { font-weight: 700; line-height: 1.25; color: var(--navy); }
h1 { font-size: clamp(2rem, 4vw, 3rem); letter-spacing: -0.02em; }
h2 { font-size: clamp(1.5rem, 3vw, 2.25rem); letter-spacing: -0.015em; }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); }
h4 { font-size: 1.125rem; }
h5 { font-size: 1rem; }
p { color: var(--text-light); }
a { color: var(--blue); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--blue-dark); }
strong { font-weight: 600; }
small { font-size: 0.8125rem; }

/* ---- Layout ---- */
.container { width: 100%; max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }
.container-sm { max-width: var(--max-w-sm); margin: 0 auto; padding: 0 24px; }
.container-md { max-width: var(--max-w-md); margin: 0 auto; padding: 0 24px; }
.section { padding: 80px 0; }
.section-sm { padding: 48px 0; }
.section-lg { padding: 100px 0; }
.main-content { flex: 1; }
.app-content { padding-bottom: 60px; }

/* ---- Navigation ---- */
.main-nav {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border-light);
  box-shadow: var(--shadow-xs);
}
.nav-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 24px;
  height: 64px;
  display: flex;
  align-items: center;
  gap: 32px;
}
.nav-brand {
  display: flex; align-items: center; gap: 8px;
  color: var(--navy); font-weight: 700; font-size: 1.125rem;
  text-decoration: none; flex-shrink: 0;
}
.nav-brand:hover { color: var(--navy); }
.brand-icon { font-size: 1.3rem; }
.brand-name { letter-spacing: -0.01em; }
.nav-links {
  display: flex; align-items: center; gap: 4px; margin-left: auto; flex-wrap: wrap;
}
.nav-link {
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  color: var(--slate); font-size: .9rem; font-weight: 500;
  transition: all var(--transition);
}
.nav-link:hover { background: var(--surface-2); color: var(--navy); }
.nav-divider { width: 1px; height: 20px; background: var(--border); margin: 0 8px; }
.nav-user { display: flex; align-items: center; gap: 10px; margin-left: 8px; }
.nav-avatar { width: 32px; height: 32px; border-radius: 50%; object-fit: cover; border: 2px solid var(--border); }
.nav-username { font-size: .875rem; font-weight: 500; color: var(--slate); }
.nav-toggle { display: none; flex-direction: column; gap: 5px; cursor: pointer; background: none; border: none; padding: 8px; margin-left: auto; }
.nav-toggle span { display: block; width: 22px; height: 2px; background: var(--navy); border-radius: 2px; transition: all var(--transition); }

/* ---- Buttons ---- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 11px 24px; border-radius: var(--radius); font-family: var(--font);
  font-size: .9rem; font-weight: 600; cursor: pointer; border: none;
  transition: all var(--transition); text-decoration: none; white-space: nowrap;
  line-height: 1.3;
}
.btn:active { transform: scale(.98); }
.btn-primary { background: var(--blue); color: #fff; box-shadow: 0 2px 8px rgba(47,128,237,.3); }
.btn-primary:hover { background: var(--blue-dark); box-shadow: 0 4px 16px rgba(47,128,237,.4); transform: translateY(-1px); color: #fff; }
.btn-navy { background: var(--navy); color: #fff; box-shadow: 0 2px 8px rgba(16,42,67,.2); }
.btn-navy:hover { background: var(--navy-light); transform: translateY(-1px); color: #fff; }
.btn-outline { background: transparent; color: var(--blue); border: 1.5px solid var(--blue); }
.btn-outline:hover { background: var(--blue); color: #fff; }
.btn-outline-slate { background: transparent; color: var(--slate); border: 1.5px solid var(--border); }
.btn-outline-slate:hover { background: var(--surface-2); border-color: var(--slate); }
.btn-success { background: var(--success); color: #fff; }
.btn-success:hover { background: #1f8e4e; color: #fff; transform: translateY(-1px); }
.btn-danger { background: var(--danger); color: #fff; }
.btn-sm { padding: 7px 16px; font-size: .825rem; border-radius: var(--radius-sm); }
.btn-lg { padding: 15px 36px; font-size: 1.0625rem; border-radius: var(--radius-lg); }
.btn-xl { padding: 18px 48px; font-size: 1.125rem; border-radius: var(--radius-lg); }
.btn-block { width: 100%; }
.btn:disabled { opacity: .6; cursor: not-allowed; transform: none !important; }
.btn-icon { padding: 9px; width: 38px; height: 38px; }

/* ---- Cards ---- */
.card {
  background: var(--surface); border: 1px solid var(--border-light);
  border-radius: var(--radius-lg); padding: 28px;
  box-shadow: var(--shadow-sm); transition: all var(--transition-slow);
}
.card:hover { box-shadow: var(--shadow-md); }
.card-lifted { box-shadow: var(--shadow-md); }
.card-lifted:hover { box-shadow: var(--shadow-lg); transform: translateY(-2px); }
.card-header { padding-bottom: 20px; border-bottom: 1px solid var(--border-light); margin-bottom: 24px; }
.card-title { font-size: 1.0625rem; font-weight: 700; color: var(--navy); }
.card-subtitle { font-size: .875rem; color: var(--muted); margin-top: 4px; }
.card-body { padding: 0; }
.card-footer { padding-top: 20px; border-top: 1px solid var(--border-light); margin-top: 24px; }
.card-sm { padding: 18px 20px; border-radius: var(--radius); }
.card-lg { padding: 40px; }
.card-navy { background: var(--navy); border-color: var(--navy); color: #fff; }
.card-navy h1, .card-navy h2, .card-navy h3, .card-navy h4 { color: #fff; }
.card-navy p { color: rgba(255,255,255,.75); }
.card-blue { background: linear-gradient(135deg, var(--blue) 0%, var(--blue-dark) 100%); border-color: transparent; color: #fff; }
.card-blue h1, .card-blue h2, .card-blue h3, .card-blue h4 { color: #fff; }
.card-blue p { color: rgba(255,255,255,.8); }

/* ---- Forms ---- */
.form-group { margin-bottom: 20px; }
.form-label { display: block; font-size: .875rem; font-weight: 600; color: var(--slate); margin-bottom: 6px; }
.form-label .required { color: var(--danger); margin-left: 3px; }
.form-control {
  width: 100%; padding: 10px 14px; border: 1.5px solid var(--border);
  border-radius: var(--radius-sm); font-family: var(--font); font-size: .9375rem;
  color: var(--text); background: var(--surface); transition: all var(--transition);
  outline: none;
}
.form-control:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(47,128,237,.12); }
.form-control::placeholder { color: var(--muted-light); }
.form-control.is-invalid { border-color: var(--danger); box-shadow: 0 0 0 3px rgba(235,87,87,.1); }
.form-control.is-valid { border-color: var(--success); }
.form-control:disabled { background: var(--surface-2); color: var(--muted); cursor: not-allowed; }
textarea.form-control { resize: vertical; min-height: 100px; }
select.form-control { cursor: pointer; }
.form-hint { font-size: .8rem; color: var(--muted); margin-top: 5px; }
.form-error { font-size: .8rem; color: var(--danger); margin-top: 5px; display: none; }
.form-error.show { display: block; }
.input-group { display: flex; }
.input-group-text {
  padding: 10px 14px; background: var(--surface-2); border: 1.5px solid var(--border);
  border-radius: var(--radius-sm) 0 0 var(--radius-sm); font-size: .9rem;
  color: var(--muted); border-right: none; white-space: nowrap; display: flex; align-items: center;
}
.input-group .form-control { border-radius: 0 var(--radius-sm) var(--radius-sm) 0; }
.input-group-append .input-group-text { border-radius: 0 var(--radius-sm) var(--radius-sm) 0; border-left: none; border-right: 1.5px solid var(--border); }
.input-group-append .form-control { border-radius: var(--radius-sm) 0 0 var(--radius-sm); }

/* Range slider */
.form-range { width: 100%; height: 6px; border-radius: 3px; background: var(--border); cursor: pointer; appearance: none; outline: none; margin: 8px 0; }
.form-range::-webkit-slider-thumb { appearance: none; width: 20px; height: 20px; border-radius: 50%; background: var(--blue); cursor: pointer; box-shadow: var(--shadow-sm); transition: all var(--transition); }
.form-range::-webkit-slider-thumb:hover { transform: scale(1.1); box-shadow: var(--shadow-md); }
.range-labels { display: flex; justify-content: space-between; font-size: .75rem; color: var(--muted); margin-top: 4px; }

/* ---- Alerts ---- */
.alert {
  padding: 14px 18px; border-radius: var(--radius); font-size: .9rem;
  border: 1px solid transparent; margin-bottom: 16px; display: flex; gap: 10px; align-items: flex-start;
  animation: fadeSlideIn .3s ease;
}
.alert-success { background: var(--success-bg); border-color: var(--success); color: #1a7241; }
.alert-danger, .alert-error { background: var(--danger-bg); border-color: var(--danger); color: #c0392b; }
.alert-warning { background: var(--warning-bg); border-color: var(--warning); color: #7c6318; }
.alert-info { background: var(--info-bg); border-color: var(--info); color: #1a6896; }

/* ---- Badges ---- */
.badge {
  display: inline-flex; align-items: center; gap: 4px;
  padding: 3px 10px; border-radius: 20px; font-size: .75rem; font-weight: 600; white-space: nowrap;
}
.badge-success { background: var(--success-bg); color: var(--success); }
.badge-danger { background: var(--danger-bg); color: var(--danger); }
.badge-warning { background: var(--warning-bg); color: #7c6318; }
.badge-info { background: var(--info-bg); color: var(--info); }
.badge-navy { background: rgba(16,42,67,.1); color: var(--navy); }
.badge-muted { background: var(--surface-2); color: var(--muted); }

/* ---- Tabs ---- */
.tabs { border-bottom: 2px solid var(--border); margin-bottom: 28px; display: flex; gap: 0; overflow-x: auto; }
.tab-link {
  padding: 12px 20px; font-size: .9rem; font-weight: 600; color: var(--muted);
  border-bottom: 2px solid transparent; margin-bottom: -2px; cursor: pointer;
  transition: all var(--transition); white-space: nowrap; text-decoration: none; background: none; border-top: none; border-left: none; border-right: none; font-family: var(--font);
}
.tab-link:hover { color: var(--blue); }
.tab-link.active { color: var(--blue); border-bottom-color: var(--blue); }
.tab-pane { display: none; }
.tab-pane.active { display: block; animation: fadeIn .2s ease; }

/* ---- Hero Section ---- */
.hero {
  background: linear-gradient(160deg, var(--navy) 0%, #1A3A56 60%, #1e4976 100%);
  color: #fff; padding: 100px 0 80px;
  overflow: hidden; position: relative;
}
.hero::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 80% 60% at 70% 50%, rgba(47,128,237,.15) 0%, transparent 70%);
  pointer-events: none;
}
.hero-inner { position: relative; z-index: 1; max-width: var(--max-w); margin: 0 auto; padding: 0 24px; display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.hero-badge { display: inline-flex; align-items: center; gap: 6px; background: rgba(47,128,237,.2); border: 1px solid rgba(47,128,237,.35); border-radius: 20px; padding: 5px 14px; font-size: .8rem; font-weight: 600; color: #90c8f7; margin-bottom: 20px; }
.hero h1 { color: #fff; font-size: clamp(2.2rem, 4.5vw, 3.4rem); line-height: 1.15; margin-bottom: 20px; }
.hero h1 em { font-style: normal; color: var(--warning); }
.hero p.hero-sub { font-size: 1.125rem; color: rgba(255,255,255,.75); line-height: 1.7; margin-bottom: 36px; max-width: 480px; }
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-visual { display: flex; flex-direction: column; gap: 12px; }
.hero-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; animation: heroFadeUp .7s ease both; }
.hero-card {
  background: rgba(255,255,255,.08); backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,.12); border-radius: var(--radius);
  padding: 18px 20px; transition: all var(--transition-slow);
}
.hero-card:hover { background: rgba(255,255,255,.13); transform: translateY(-3px); }
.hero-card-label { font-size: .75rem; color: rgba(255,255,255,.55); font-weight: 600; text-transform: uppercase; letter-spacing: .06em; margin-bottom: 8px; }
.hero-card-value { font-size: 1.5rem; font-weight: 800; color: #fff; line-height: 1; }
.hero-card-sub { font-size: .8rem; color: rgba(255,255,255,.5); margin-top: 4px; }
.hero-card.hero-card-score .hero-card-value { color: var(--warning); }
.hero-card.hero-card-success .hero-card-value { color: #5CE39A; }
.hero-card.hero-card-danger .hero-card-value { color: #F47979; }

/* ---- Value Cards ---- */
.value-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.value-card {
  background: var(--surface); border: 1px solid var(--border-light);
  border-radius: var(--radius-lg); padding: 32px 28px;
  box-shadow: var(--shadow-sm); transition: all var(--transition-slow);
}
.value-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.value-icon { width: 52px; height: 52px; background: linear-gradient(135deg, var(--blue) 0%, var(--blue-dark) 100%); border-radius: var(--radius); display: flex; align-items: center; justify-content: center; font-size: 1.5rem; margin-bottom: 18px; }
.value-card h3 { font-size: 1.125rem; margin-bottom: 10px; }
.value-card p { font-size: .9rem; line-height: 1.7; }

/* ---- Comparison Table ---- */
.compare-table-wrap { overflow-x: auto; border-radius: var(--radius-lg); box-shadow: var(--shadow-sm); border: 1px solid var(--border-light); }
.compare-table { width: 100%; border-collapse: collapse; }
.compare-table th, .compare-table td { padding: 14px 20px; text-align: left; font-size: .9rem; border-bottom: 1px solid var(--border-light); }
.compare-table thead th { background: var(--navy); color: #fff; font-weight: 700; }
.compare-table thead th:first-child { border-radius: var(--radius-lg) 0 0 0; }
.compare-table thead th:last-child { border-radius: 0 var(--radius-lg) 0 0; }
.compare-table tbody tr:hover { background: var(--surface-2); }
.compare-table td.hrc-col { color: var(--success); font-weight: 600; }
.compare-table .check { color: var(--success); }
.compare-table .cross { color: var(--danger); }
.compare-table .dash { color: var(--muted-light); }

/* ---- Calculator Layout ---- */
.calc-layout { display: grid; grid-template-columns: 380px 1fr; gap: 28px; align-items: start; }
.calc-inputs { position: sticky; top: 90px; }
.calc-results { min-width: 0; }
.calc-section-title { font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--muted); margin-bottom: 14px; margin-top: 24px; }
.calc-section-title:first-child { margin-top: 0; }

/* Summary Cards */
.result-cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: 16px; margin-bottom: 24px; }
.result-card {
  background: var(--surface); border: 1px solid var(--border-light);
  border-radius: var(--radius); padding: 18px 20px; box-shadow: var(--shadow-xs);
  transition: all var(--transition-slow);
}
.result-card:hover { box-shadow: var(--shadow-sm); transform: translateY(-1px); }
.result-card-label { font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--muted); margin-bottom: 8px; }
.result-card-value { font-size: 1.75rem; font-weight: 800; color: var(--navy); line-height: 1; }
.result-card-sub { font-size: .8rem; color: var(--muted); margin-top: 5px; }
.result-card.primary { border-top: 3px solid var(--blue); }
.result-card.primary .result-card-value { color: var(--blue); }
.result-card.success { border-top: 3px solid var(--success); }
.result-card.success .result-card-value { color: var(--success); }
.result-card.warning { border-top: 3px solid var(--warning); }
.result-card.danger { border-top: 3px solid var(--danger); }
.result-card.danger .result-card-value { color: var(--danger); }
.result-card.navy { border-top: 3px solid var(--navy); }

/* ---- Score Gauge ---- */
.gauge-wrap { display: flex; flex-direction: column; align-items: center; gap: 12px; }
.gauge-svg { width: 200px; height: 120px; }
.gauge-score { font-size: 2.5rem; font-weight: 800; color: var(--navy); line-height: 1; }
.gauge-label { font-size: .85rem; font-weight: 600; padding: 4px 14px; border-radius: 20px; }
.gauge-label.success { background: var(--success-bg); color: var(--success); }
.gauge-label.info { background: var(--info-bg); color: var(--info); }
.gauge-label.warning { background: var(--warning-bg); color: #7c6318; }
.gauge-label.danger { background: var(--danger-bg); color: var(--danger); }
.gauge-label.risk { background: #fdf0ef; color: var(--risk); }

/* ---- Donut Chart ---- */
.chart-donut-wrap { position: relative; width: 200px; height: 200px; }
.chart-donut-svg { width: 100%; height: 100%; }
.chart-legend { display: flex; flex-direction: column; gap: 8px; margin-top: 16px; }
.legend-item { display: flex; align-items: center; gap: 10px; font-size: .85rem; }
.legend-dot { width: 12px; height: 12px; border-radius: 3px; flex-shrink: 0; }

/* ---- Line Chart ---- */
.chart-line-wrap { width: 100%; overflow: hidden; border-radius: var(--radius); background: var(--surface); border: 1px solid var(--border-light); padding: 20px; }
.chart-line-svg { width: 100%; display: block; }

/* ---- Stress Scenario Cards ---- */
.scenario-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(200px, 1fr)); gap: 14px; }
.scenario-card {
  border: 2px solid var(--border); border-radius: var(--radius);
  padding: 18px 16px; cursor: pointer; background: var(--surface);
  transition: all var(--transition); position: relative; overflow: hidden;
}
.scenario-card:hover { border-color: var(--blue); box-shadow: var(--shadow-sm); }
.scenario-card.active { border-color: var(--blue); background: #EBF4FE; }
.scenario-card.active::before { content: '✓'; position: absolute; top: 10px; right: 12px; color: var(--blue); font-weight: 700; font-size: .85rem; }
.scenario-card.pulse { animation: pulse .5s ease; }
.scenario-icon { font-size: 1.5rem; margin-bottom: 10px; }
.scenario-title { font-size: .875rem; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.scenario-desc { font-size: .8rem; color: var(--muted); }
.scenario-options { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 10px; }
.scenario-option {
  padding: 4px 10px; border: 1.5px solid var(--border); border-radius: 20px;
  font-size: .75rem; font-weight: 600; color: var(--slate); cursor: pointer; transition: all var(--transition);
}
.scenario-option:hover { border-color: var(--blue); color: var(--blue); }
.scenario-option.selected { background: var(--blue); border-color: var(--blue); color: #fff; }

/* ---- Progress Ring ---- */
.progress-ring-wrap { display: flex; flex-direction: column; align-items: center; gap: 8px; }
.progress-ring { transform: rotate(-90deg); }
.progress-ring-bg { fill: none; stroke: var(--border); }
.progress-ring-bar { fill: none; stroke: var(--blue); stroke-linecap: round; transition: stroke-dashoffset .8s ease, stroke .3s ease; }
.progress-ring-text { text-anchor: middle; dominant-baseline: middle; font-family: var(--font); }

/* ---- Amortization table ---- */
.amort-table { width: 100%; border-collapse: collapse; font-size: .85rem; }
.amort-table th, .amort-table td { padding: 10px 14px; text-align: right; border-bottom: 1px solid var(--border-light); }
.amort-table th { background: var(--surface-2); font-weight: 700; color: var(--slate); font-size: .75rem; text-transform: uppercase; letter-spacing: .05em; }
.amort-table td:first-child, .amort-table th:first-child { text-align: left; }
.amort-table tbody tr:hover { background: var(--surface-2); }

/* ---- Checklist ---- */
.checklist { display: flex; flex-direction: column; gap: 0; }
.checklist-item { display: flex; align-items: center; gap: 14px; padding: 14px 0; border-bottom: 1px solid var(--border-light); transition: all var(--transition); }
.checklist-item:last-child { border-bottom: none; }
.checklist-status { display: flex; gap: 4px; flex-shrink: 0; }
.status-btn {
  padding: 4px 10px; border-radius: 20px; font-size: .75rem; font-weight: 600;
  border: 1.5px solid var(--border); background: transparent; cursor: pointer; transition: all var(--transition); font-family: var(--font);
}
.status-btn.pass.active { background: var(--success); border-color: var(--success); color: #fff; }
.status-btn.concern.active { background: var(--warning); border-color: var(--warning); color: var(--navy); }
.status-btn.unknown.active { background: var(--muted); border-color: var(--muted); color: #fff; }
.status-btn.na.active { background: var(--surface-2); border-color: var(--border); color: var(--muted); }
.checklist-label { flex: 1; font-size: .9rem; font-weight: 500; color: var(--text); }
.checklist-notes { flex: 1; }

/* ---- Start Screen Cards ---- */
.start-cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 18px; }
.start-card {
  border: 2px solid var(--border); border-radius: var(--radius-lg);
  padding: 28px 24px; cursor: pointer; background: var(--surface);
  transition: all var(--transition-slow); display: flex; flex-direction: column; gap: 12px;
}
.start-card:hover { border-color: var(--blue); box-shadow: var(--shadow-md); transform: translateY(-2px); }
.start-card.selected { border-color: var(--blue); background: #EBF4FE; box-shadow: var(--shadow-md); }
.start-card-icon { font-size: 2rem; }
.start-card h3 { font-size: 1.0625rem; color: var(--navy); }
.start-card p { font-size: .875rem; color: var(--muted); }

/* ---- Safe Budget Cards ---- */
.budget-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.budget-card { border: 2px solid var(--border); border-radius: var(--radius-lg); padding: 28px 20px; text-align: center; transition: all var(--transition-slow); }
.budget-card.stretch { border-color: var(--warning); }
.budget-card.realistic { border-color: var(--blue); background: #EBF4FE; transform: scale(1.02); }
.budget-card.safer { border-color: var(--success); }
.budget-card-label { font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: .07em; color: var(--muted); margin-bottom: 10px; }
.budget-card-price { font-size: 2rem; font-weight: 800; color: var(--navy); }
.budget-card-monthly { font-size: .875rem; color: var(--muted); margin-top: 8px; }

/* ---- Comparison Table ---- */
.homes-compare-table { width: 100%; border-collapse: collapse; }
.homes-compare-table th, .homes-compare-table td { padding: 12px 16px; border-bottom: 1px solid var(--border-light); font-size: .875rem; vertical-align: middle; }
.homes-compare-table th { background: var(--navy); color: #fff; font-weight: 700; font-size: .75rem; text-transform: uppercase; letter-spacing: .05em; white-space: nowrap; }
.homes-compare-table tbody tr:hover { background: var(--surface-2); }
.homes-compare-table .winner-badge { display: inline-flex; padding: 2px 8px; background: var(--success-bg); color: var(--success); border-radius: 20px; font-size: .7rem; font-weight: 700; }

/* ---- Toast ---- */
.toast-container { position: fixed; bottom: 24px; right: 24px; z-index: 9999; display: flex; flex-direction: column; gap: 12px; }
.toast {
  background: var(--navy); color: #fff; padding: 14px 20px;
  border-radius: var(--radius); box-shadow: var(--shadow-lg);
  font-size: .9rem; min-width: 280px; max-width: 400px;
  animation: toastSlideIn .3s ease;
  display: flex; align-items: center; gap: 10px;
}
.toast.toast-success { background: var(--success); }
.toast.toast-error { background: var(--danger); }
.toast.toast-warning { background: #e67e22; }

/* ---- Empty States ---- */
.empty-state { text-align: center; padding: 60px 20px; }
.empty-icon { font-size: 3.5rem; opacity: .4; margin-bottom: 16px; display: block; }
.empty-state h3 { color: var(--slate); margin-bottom: 10px; }
.empty-state p { color: var(--muted); font-size: .9rem; max-width: 360px; margin: 0 auto 24px; }

/* ---- Loading States ---- */
.loading-spinner {
  width: 32px; height: 32px; border: 3px solid var(--border);
  border-top-color: var(--blue); border-radius: 50%;
  animation: spin .7s linear infinite; margin: 0 auto;
}
.skeleton { background: linear-gradient(90deg, var(--surface-2) 25%, #e8edf2 50%, var(--surface-2) 75%); background-size: 200% 100%; animation: shimmer 1.4s ease infinite; border-radius: var(--radius-sm); }
.skeleton-text { height: 14px; margin-bottom: 8px; }
.skeleton-title { height: 24px; margin-bottom: 12px; width: 60%; }
.skeleton-card { height: 100px; }

/* ---- Stepper ---- */
.stepper { display: flex; align-items: center; gap: 0; margin-bottom: 36px; overflow-x: auto; }
.step { display: flex; align-items: center; gap: 10px; white-space: nowrap; }
.step-num { width: 32px; height: 32px; border-radius: 50%; border: 2px solid var(--border); display: flex; align-items: center; justify-content: center; font-size: .8rem; font-weight: 700; color: var(--muted); transition: all var(--transition); flex-shrink: 0; }
.step.active .step-num { background: var(--blue); border-color: var(--blue); color: #fff; }
.step.done .step-num { background: var(--success); border-color: var(--success); color: #fff; }
.step-label { font-size: .875rem; font-weight: 600; color: var(--muted); }
.step.active .step-label { color: var(--blue); }
.step.done .step-label { color: var(--success); }
.step-divider { flex: 1; height: 2px; background: var(--border); min-width: 30px; }
.step-divider.done { background: var(--success); }

/* ---- Dashboard ---- */
.dashboard-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 24px; }
.stat-card { background: var(--surface); border: 1px solid var(--border-light); border-radius: var(--radius-lg); padding: 24px; box-shadow: var(--shadow-xs); }
.stat-card-label { font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: .07em; color: var(--muted); margin-bottom: 8px; }
.stat-card-value { font-size: 2rem; font-weight: 800; color: var(--navy); }
.stat-card-trend { font-size: .8rem; color: var(--muted); margin-top: 4px; }
.stat-card-trend.up { color: var(--success); }
.stat-card-trend.down { color: var(--danger); }

/* ---- Upload zone ---- */
.upload-zone {
  border: 2px dashed var(--border); border-radius: var(--radius-lg);
  padding: 40px 20px; text-align: center; cursor: pointer;
  transition: all var(--transition); background: var(--surface);
}
.upload-zone:hover, .upload-zone.dragover { border-color: var(--blue); background: #EBF4FE; }
.upload-zone-icon { font-size: 2.5rem; color: var(--muted-light); margin-bottom: 12px; }
.upload-zone p { font-size: .9rem; color: var(--muted); }
.upload-zone small { font-size: .8rem; color: var(--muted-light); }

/* ---- Page Header ---- */
.page-header { background: var(--surface); border-bottom: 1px solid var(--border-light); padding: 32px 0; margin-bottom: 36px; }
.page-header-inner { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }
.page-header h1 { font-size: 1.875rem; }
.page-header p { font-size: .9375rem; color: var(--muted); margin-top: 6px; }
.page-header-actions { display: flex; gap: 10px; align-items: center; margin-top: 16px; flex-wrap: wrap; }

/* ---- Breadcrumbs ---- */
.breadcrumbs { display: flex; align-items: center; gap: 8px; margin-bottom: 20px; font-size: .825rem; flex-wrap: wrap; }
.breadcrumbs a { color: var(--muted); }
.breadcrumbs a:hover { color: var(--blue); }
.breadcrumbs .sep { color: var(--muted-light); }
.breadcrumbs .current { color: var(--slate); font-weight: 600; }

/* ---- Tooltip ---- */
.tooltip-wrap { position: relative; display: inline-flex; }
.tooltip-icon { width: 16px; height: 16px; border-radius: 50%; background: var(--border); color: var(--muted); font-size: .7rem; display: inline-flex; align-items: center; justify-content: center; cursor: help; font-weight: 700; }
.tooltip-popup {
  position: absolute; bottom: calc(100% + 6px); left: 50%; transform: translateX(-50%);
  background: var(--navy); color: #fff; padding: 8px 12px; border-radius: var(--radius-sm);
  font-size: .78rem; line-height: 1.5; white-space: normal; min-width: 200px; max-width: 260px;
  pointer-events: none; opacity: 0; transition: opacity .2s ease; z-index: 99;
}
.tooltip-wrap:hover .tooltip-popup { opacity: 1; }

/* ---- Reality Slider ---- */
.reality-slider { display: flex; gap: 0; border: 1.5px solid var(--border); border-radius: var(--radius); overflow: hidden; }
.reality-btn {
  flex: 1; padding: 11px 8px; font-size: .875rem; font-weight: 600; cursor: pointer;
  border: none; background: var(--surface); color: var(--muted); transition: all var(--transition); font-family: var(--font);
  border-right: 1px solid var(--border);
}
.reality-btn:last-child { border-right: none; }
.reality-btn.active.optimistic { background: var(--success-bg); color: var(--success); }
.reality-btn.active.realistic { background: var(--info-bg); color: var(--info); }
.reality-btn.active.conservative { background: var(--warning-bg); color: #7c6318; }

/* ---- Toggle Cards ---- */
.toggle-card { cursor: pointer; }
.toggle-card input[type="checkbox"] { display: none; }
.toggle-card-body { border: 2px solid var(--border); border-radius: var(--radius); padding: 16px 18px; transition: all var(--transition); }
.toggle-card input:checked + .toggle-card-body { border-color: var(--blue); background: #EBF4FE; }
.toggle-card:hover .toggle-card-body { border-color: var(--blue-light); }

/* ---- Listing Source Tags ---- */
.source-tag { display: inline-flex; align-items: center; gap: 6px; padding: 4px 12px; border-radius: 20px; font-size: .8rem; font-weight: 600; background: var(--surface-2); color: var(--slate); border: 1px solid var(--border); }

/* ---- Risk Score Bar ---- */
.risk-bar-wrap { margin-bottom: 12px; }
.risk-bar-label { display: flex; justify-content: space-between; align-items: center; margin-bottom: 6px; font-size: .875rem; }
.risk-bar { height: 8px; background: var(--border); border-radius: 4px; overflow: hidden; }
.risk-bar-fill { height: 100%; border-radius: 4px; transition: width .8s ease; }
.risk-bar-fill.low { background: var(--success); }
.risk-bar-fill.medium { background: var(--warning); }
.risk-bar-fill.high { background: var(--danger); }

/* ---- Print Styles ---- */
@media print {
  .main-nav, .site-footer, .btn, .tabs, .calc-inputs, .no-print { display: none !important; }
  .calc-layout { grid-template-columns: 1fr; }
  .card { box-shadow: none; border: 1px solid #ddd; }
  body { background: #fff; }
  .hero { background: var(--navy); -webkit-print-color-adjust: exact; }
}

/* ---- Footer ---- */
.site-footer { background: var(--navy); color: rgba(255,255,255,.7); padding: 60px 0 0; margin-top: auto; }
.footer-inner { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; display: grid; grid-template-columns: 260px 1fr; gap: 60px; padding-bottom: 48px; }
.footer-logo { color: #fff; font-size: 1.125rem; text-decoration: none; display: flex; align-items: center; gap: 8px; margin-bottom: 14px; }
.footer-tagline { font-size: .875rem; color: rgba(255,255,255,.45); line-height: 1.6; }
.footer-cols { display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px; }
.footer-col h4 { color: #fff; font-size: .8rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; margin-bottom: 14px; }
.footer-col a { display: block; color: rgba(255,255,255,.5); font-size: .85rem; margin-bottom: 8px; transition: color var(--transition); }
.footer-col a:hover { color: #fff; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); padding: 28px 0; }
.footer-bottom-inner { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }
.footer-disclaimer, .footer-affil { font-size: .78rem; color: rgba(255,255,255,.35); line-height: 1.7; margin-bottom: 8px; }
.footer-copy { font-size: .78rem; color: rgba(255,255,255,.3); margin-top: 12px; }

/* ---- Sponsored Label ---- */
.sponsored-label { font-size: .7rem; font-weight: 700; text-transform: uppercase; letter-spacing: .07em; color: var(--muted); padding: 2px 8px; border: 1px solid var(--border); border-radius: 4px; }
.affiliate-zone { background: var(--surface-2); border: 1px solid var(--border-light); border-radius: var(--radius); padding: 16px 18px; margin-top: 24px; }
.affiliate-zone .sponsored-label { display: block; margin-bottom: 10px; }

/* ---- Animations ---- */
@keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }
@keyframes fadeSlideIn { from { opacity: 0; transform: translateY(-6px); } to { opacity: 1; transform: translateY(0); } }
@keyframes heroFadeUp { from { opacity: 0; transform: translateY(24px); } to { opacity: 1; transform: translateY(0); } }
@keyframes toastSlideIn { from { opacity: 0; transform: translateX(30px); } to { opacity: 1; transform: translateX(0); } }
@keyframes spin { to { transform: rotate(360deg); } }
@keyframes shimmer { 0% { background-position: 200% 0; } 100% { background-position: -200% 0; } }
@keyframes pulse { 0%, 100% { transform: scale(1); } 50% { transform: scale(1.03); } }
@keyframes countUp { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: translateY(0); } }
@keyframes gaugeFill { from { stroke-dashoffset: 314; } to { } }
@keyframes dimScreen { 0%, 100% { opacity: 1; } 50% { opacity: .4; } }

.count-up { animation: countUp .4s ease; }
.dim-effect { animation: dimScreen .6s ease; }

/* ---- Utility ---- */
.text-center { text-align: center; }
.text-right { text-align: right; }
.text-muted { color: var(--muted); }
.text-success { color: var(--success); }
.text-danger { color: var(--danger); }
.text-warning { color: #7c6318; }
.text-navy { color: var(--navy); }
.text-blue { color: var(--blue); }
.font-bold { font-weight: 700; }
.font-semibold { font-weight: 600; }
.d-flex { display: flex; }
.align-center { align-items: center; }
.justify-between { justify-content: space-between; }
.gap-2 { gap: 8px; }
.gap-3 { gap: 12px; }
.gap-4 { gap: 16px; }
.mt-1 { margin-top: 4px; }
.mt-2 { margin-top: 8px; }
.mt-3 { margin-top: 12px; }
.mt-4 { margin-top: 16px; }
.mt-5 { margin-top: 24px; }
.mt-6 { margin-top: 32px; }
.mt-8 { margin-top: 48px; }
.mb-1 { margin-bottom: 4px; }
.mb-2 { margin-bottom: 8px; }
.mb-3 { margin-bottom: 12px; }
.mb-4 { margin-bottom: 16px; }
.mb-5 { margin-bottom: 24px; }
.mb-6 { margin-bottom: 32px; }
.mb-8 { margin-bottom: 48px; }
.p-0 { padding: 0; }
.w-full { width: 100%; }
.overflow-x-auto { overflow-x: auto; }
.d-none { display: none; }
.rounded { border-radius: var(--radius); }
.rounded-lg { border-radius: var(--radius-lg); }
.shadow-sm { box-shadow: var(--shadow-sm); }
.shadow-md { box-shadow: var(--shadow-md); }

/* ---- Responsive ---- */
@media (max-width: 1024px) {
  .calc-layout { grid-template-columns: 1fr; }
  .calc-inputs { position: static; }
  .hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .hero-visual { order: -1; }
  .footer-inner { grid-template-columns: 1fr; gap: 32px; }
  .footer-cols { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  .nav-links { display: none; flex-direction: column; position: absolute; top: 64px; left: 0; right: 0; background: var(--surface); border-bottom: 1px solid var(--border); padding: 16px 24px; box-shadow: var(--shadow-md); gap: 4px; z-index: 99; }
  .nav-links.open { display: flex; }
  .nav-toggle { display: flex; }
  .nav-user { flex-direction: column; align-items: flex-start; gap: 8px; }
  .nav-divider { display: none; }
  .hero { padding: 60px 0 48px; }
  .hero-cards { grid-template-columns: 1fr 1fr; }
  .value-cards { grid-template-columns: 1fr; }
  .result-cards { grid-template-columns: 1fr 1fr; }
  .budget-cards { grid-template-columns: 1fr; }
  .budget-card.realistic { transform: none; }
  .footer-cols { grid-template-columns: 1fr 1fr; }
  .scenario-grid { grid-template-columns: 1fr 1fr; }
  .section { padding: 48px 0; }
}

@media (max-width: 480px) {
  .hero-cards { grid-template-columns: 1fr; }
  .result-cards { grid-template-columns: 1fr; }
  .footer-cols { grid-template-columns: 1fr; }
  .scenario-grid { grid-template-columns: 1fr; }
  .start-cards { grid-template-columns: 1fr; }
  h1 { font-size: 2rem; }
}

/* ---- Modal ---- */
.modal-backdrop {
  position: fixed; inset: 0; background: rgba(10,20,36,.55); z-index: 1000;
  display: flex; align-items: center; justify-content: center; padding: 16px;
  animation: fadeIn .2s ease;
}
.modal-backdrop.hidden { display: none; }
.modal {
  background: var(--surface); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl); width: 100%; max-width: 520px;
  max-height: 90vh; overflow-y: auto; animation: heroFadeUp .25s ease;
}
.modal-header {
  display: flex; align-items: flex-start; justify-content: space-between;
  padding: 24px 28px 0; gap: 12px;
}
.modal-title { font-size: 1.25rem; font-weight: 700; color: var(--navy); }
.modal-close {
  background: none; border: none; font-size: 1.3rem; color: var(--muted);
  cursor: pointer; padding: 2px 6px; border-radius: var(--radius-sm);
  line-height: 1; flex-shrink: 0;
}
.modal-close:hover { color: var(--navy); background: var(--surface-2); }
.modal-body { padding: 20px 28px; }
.modal-footer { padding: 0 28px 24px; display: flex; gap: 10px; justify-content: flex-end; }

/* ---- Detail / Summary table ---- */
.detail-table { width: 100%; border-collapse: collapse; }
.detail-table th, .detail-table td { padding: 10px 0; border-bottom: 1px solid var(--border-light); font-size: .9rem; vertical-align: top; }
.detail-table th { width: 45%; font-weight: 600; color: var(--slate); padding-right: 16px; }
.detail-table td { color: var(--text); font-weight: 500; }
.detail-table tr:last-child th,
.detail-table tr:last-child td { border-bottom: none; }

/* ---- Two-col grid helper ---- */
.two-col-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.three-col-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }

/* ---- Pagination ---- */
.pagination { display: flex; align-items: center; gap: 6px; flex-wrap: wrap; margin-top: 20px; }
.pagination .btn { min-width: 36px; justify-content: center; }

/* ---- Password strength ---- */
.pw-strength { height: 4px; border-radius: 2px; margin-top: 6px; transition: width .3s ease, background .3s ease; }
.pw-strength.weak { width: 25%; background: var(--danger); }
.pw-strength.fair { width: 50%; background: var(--warning); }
.pw-strength.strong { width: 75%; background: var(--info); }
.pw-strength.great { width: 100%; background: var(--success); }

/* ---- Responsive additions ---- */
@media (max-width: 768px) {
  .two-col-grid, .three-col-grid { grid-template-columns: 1fr; }
  .modal { max-width: 100%; margin: 0; border-radius: var(--radius-lg) var(--radius-lg) 0 0; max-height: 85vh; }
  .modal-backdrop { align-items: flex-end; padding: 0; }
  .homepage-col-grid { grid-template-columns: 1fr !important; }
}

@media (max-width: 480px) {
  .stepper { gap: 0; }
  .step-label { display: none; }
  .step-divider { min-width: 16px; }
  .amort-table { font-size: .78rem; }
  .amort-table th, .amort-table td { padding: 7px 8px; }
}