/* ==========================================================================
   credit-rating.ru — public stylesheet  v2
   Navy + Gold brand. Mobile-first.
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. Custom properties
   -------------------------------------------------------------------------- */
:root {
  /* Brand – Navy (logo, hero, footer identity) */
  --c-navy:       #0b2550;
  --c-navy-2:     #0d3272;
  --c-navy-3:     #1040a0;

  /* Brand – Gold (accent, CTA) */
  --c-gold:       #f59e0b;
  --c-gold-dark:  #d97706;
  --c-gold-light: #fffbeb;
  --c-gold-pale:  #fef3c7;

  /* Primary blue — vivid, banki.ru-like */
  --c-primary:       #0057E7;
  --c-primary-dark:  #0047C4;
  --c-primary-light: #EBF3FF;

  /* Score levels */
  --c-high-text:   #065f46;
  --c-high-bg:     #ecfdf5;
  --c-high-border: #6ee7b7;
  --c-mid-text:    #92400e;
  --c-mid-bg:      #fffbeb;
  --c-mid-border:  #fcd34d;
  --c-low-text:    #991b1b;
  --c-low-bg:      #fef2f2;
  --c-low-border:  #fca5a5;

  /* Neutrals */
  --c-gray-50:  #f9fafb;
  --c-gray-100: #f3f4f6;
  --c-gray-200: #e5e7eb;
  --c-gray-400: #9ca3af;
  --c-gray-600: #4b5563;
  --c-gray-800: #1f2937;
  --c-gray-900: #111827;

  --c-text:       #1a2236;
  --c-text-muted: #4a5870; /* darkened for AA contrast on light backgrounds */
  --c-border:     #dde3ed;
  --c-bg:         #ffffff;
  --c-bg-subtle:  #f4f7fc;

  /* Typography */
  --font: 'Inter', -apple-system, BlinkMacSystemFont, "Segoe UI", system-ui, sans-serif;
  --font-size-base: 1rem;
  --line-height:    1.5;

  /* Layout */
  --container:        1060px;
  --container-narrow: 720px;
  --section-gap:      4rem;
  --radius:           8px;
  --radius-lg:        14px;
  --radius-xl:        20px;

  /* Shadows */
  --shadow-sm:  0 1px 4px rgba(0,0,0,.06), 0 1px 2px rgba(0,0,0,.04);
  --shadow-md:  0 4px 20px rgba(0,0,0,.09);
  --shadow-lg:  0 10px 40px rgba(0,0,0,.12);
  --shadow-gold: 0 4px 20px rgba(245,158,11,.25);

  /* Transitions */
  --t: 150ms ease;
}

/* --------------------------------------------------------------------------
   2. Reset & base
   -------------------------------------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

.svg-sprite { display: none; }

html { font-size: 18px; scroll-behavior: smooth; }

body {
  font-family: var(--font);
  font-size: var(--font-size-base);
  font-weight: 500;
  line-height: var(--line-height);
  color: var(--c-text);
  background: var(--c-bg);
  -webkit-font-smoothing: antialiased;
  font-feature-settings: 'cv02', 'cv03', 'cv04', 'cv11';
  /* Fix Inter optical size axis — at low opsz Inter renders thin on iOS Safari */
  font-optical-sizing: none;
  font-variation-settings: 'opsz' 32;
  /* Ensure body fills the viewport so position:sticky on the header always works */
  min-height: 100vh;
}

/* On mobile: auto smoothing + heavier weight + minimum 1rem font size everywhere */
@media (max-width: 767px) {
  body { -webkit-font-smoothing: auto; font-weight: 600; }

  /* Minimum 1rem font size for all readable text */
  .site-nav__link,
  .site-nav__link--cta,
  .site-footer__col a,
  .site-footer__col-title,
  .site-footer__tagline,
  .breadcrumb__list,
  .rates-panel__label,
  .rates-panel__code,
  .rates-panel__updated,
  .score-entry__note,
  .score-level__note,
  .score-level__range,
  .knowledge-feature__desc,
  .knowledge-item__desc,
  .knowledge-item__title,
  .hero__sub,
  .page-hero__sub,
  .page-hero__eyebrow,
  .editorial__body,
  .post-card__excerpt,
  .post-card__date,
  .review-card__body,
  .review-card__meta,
  .reviews-promo-panel__desc,
  .tools-main__desc,
  .tools-preview__result-sub,
  .faq__answer,
  .article__meta,
  .article__intro,
  .static-page__content p,
  .static-page__content li,
  .static-page__content td,
  .static-page__content th,
  .info-card__text,
  .result-explanation,
  .result-offers__sub,
  .check-info__text,
  .score-entry__card-sub,
  .calc-field__label,
  .calc-result__label,
  .mission-strip__inner,
  .cookie-banner__text { font-size: 1rem; }

  /* font-weight: 600 for elements with explicit 500 */
  .site-footer__col a,
  .site-footer__col-title,
  .site-nav__link,
  .breadcrumb__link,
  .breadcrumb__current,
  .score-level__note,
  .knowledge-feature__desc,
  .knowledge-item__desc,
  .rates-panel__code,
  .reviews-promo-panel__desc { font-weight: 600; }
}

img, video, svg { display: block; max-width: 100%; }
a { color: var(--c-primary); text-decoration: none; }
a:hover { text-decoration: underline; }
a:focus-visible { outline: 2px solid var(--c-primary); outline-offset: 3px; border-radius: 3px; }
ul, ol { list-style: none; }

/* --------------------------------------------------------------------------
   3. Skip link
   -------------------------------------------------------------------------- */
.skip-link {
  position: absolute;
  top: -999px;
  left: 1rem;
  padding: .5rem 1rem;
  background: var(--c-navy);
  color: #fff;
  font-weight: 600;
  border-radius: 0 0 var(--radius) var(--radius);
  z-index: 9999;
}
.skip-link:focus { top: 0; }

/* --------------------------------------------------------------------------
   4. Container & section layout
   -------------------------------------------------------------------------- */
.container {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: 1.25rem;
}

.section-title {
  font-size: 1.875rem;
  font-weight: 700;
  color: var(--c-gray-900);
  letter-spacing: -.025em;
  line-height: 1.2;
  margin-bottom: .5rem;
}
.section-title + p, .section-sub {
  color: var(--c-text-muted);
  margin-bottom: 2rem;
  font-size: .975rem;
}

/* --------------------------------------------------------------------------
   5. Buttons
   -------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .4rem;
  padding: .6rem 1.35rem;
  font-family: var(--font);
  font-size: .875rem;
  font-weight: 600;
  line-height: 1.25;
  border-radius: 50px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: background var(--t), box-shadow var(--t), transform var(--t);
  text-decoration: none;
  white-space: nowrap;
  letter-spacing: -.01em;
}
.btn:focus-visible { outline: 3px solid var(--c-gold); outline-offset: 2px; }
.btn:hover { text-decoration: none; transform: translateY(-1px); }

.btn--primary {
  background: var(--c-primary);
  color: #fff;
  box-shadow: 0 2px 12px rgba(37,99,235,.3);
}
.btn--primary:hover { background: var(--c-primary-dark); box-shadow: 0 4px 18px rgba(37,99,235,.4); color: #fff; }

.btn--gold {
  background: var(--c-gold);
  color: #fff;
  box-shadow: var(--shadow-gold);
}
.btn--gold:hover { background: var(--c-gold-dark); box-shadow: 0 6px 24px rgba(245,158,11,.4); color: #fff; }

.btn--outline-white {
  background: transparent;
  border-color: rgba(255,255,255,.45);
  color: #fff;
}
.btn--outline-white:hover { background: rgba(255,255,255,.1); border-color: rgba(255,255,255,.7); color: #fff; }

.btn--secondary {
  background: var(--c-bg-subtle);
  border-color: var(--c-border);
  color: var(--c-gray-800);
}
.btn--secondary:hover { background: var(--c-gray-100); }

.btn--navy {
  background: var(--c-navy);
  color: #fff;
  box-shadow: 0 4px 20px rgba(11,37,80,.22);
}
.btn--navy:hover { background: #0a1d45; box-shadow: 0 6px 28px rgba(11,37,80,.3); color: #fff; }

.btn--lg { padding: .85rem 1.75rem; font-size: .95rem; }
.btn--full { width: 100%; border-radius: var(--radius-lg); white-space: normal; }

/* --------------------------------------------------------------------------
   6. Header & navigation
   -------------------------------------------------------------------------- */
.site-header {
  background: rgba(255,255,255,.95);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--c-border);
  position: sticky;
  top: 0;
  z-index: 200;
  box-shadow: 0 1px 8px rgba(0,0,0,.06);
}

.site-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 60px;
  gap: .75rem;
}

/* Logo */
.site-logo {
  display: flex;
  align-items: center;
  gap: .6rem;
  text-decoration: none;
  flex-shrink: 0;
}
.site-logo:hover { text-decoration: none; }

.site-logo__icon {
  width: 32px;
  height: 32px;
  flex-shrink: 0;
}

.site-logo__text-wrap {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}
.site-logo__name {
  font-size: 1rem;
  font-weight: 500;
  color: #0b2550;
  letter-spacing: -.01em;
}
.site-logo__tagline {
  font-size: .625rem;
  color: var(--c-text-muted);
  font-weight: 500;
}

/* Nav */
.site-nav {
  display: none;
  position: absolute;
  top: 60px;
  left: 0;
  right: 0;
  background: #fff;
  border-bottom: 1px solid var(--c-border);
  flex-direction: column;
  padding: 1rem 1.25rem;
  gap: .2rem;
  box-shadow: var(--shadow-md);
}
.site-nav.site-nav--open { display: flex; }

.site-nav__link {
  display: block;
  padding: .6rem .85rem;
  border-radius: var(--radius);
  color: var(--c-gray-800);
  font-weight: 500;
  font-size: .95rem;
  transition: background var(--t), color var(--t);
  text-decoration: none;
}
.site-nav__link:hover { background: var(--c-bg-subtle); color: var(--c-navy); text-decoration: none; }
.site-nav__link--active { color: var(--c-primary); font-weight: 600; }

.site-nav__link--cta {
  color: var(--c-primary) !important;
  font-weight: 600;
}
.site-nav__link--cta:hover { background: var(--c-primary-light); text-decoration: none; }

/* Hamburger */
.nav-toggle {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  padding: .5rem;
  background: none;
  border: none;
  cursor: pointer;
  border-radius: var(--radius);
}
.nav-toggle:hover { background: var(--c-bg-subtle); }
.nav-toggle__bar {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--c-navy);
  border-radius: 2px;
  transition: transform var(--t), opacity var(--t);
}

/* Rates strip */
.rates-strip {
  display: none;
  align-items: center;
  gap: .4rem;
  font-size: .68rem;
  font-weight: 400;
  color: var(--c-text-muted);
}
.rates-strip__item { display: flex; align-items: center; gap: .25rem; }
.rates-strip__code {
  font-weight: 600;
  font-size: .65rem;
  color: var(--c-text-muted);
  letter-spacing: .04em;
  text-transform: uppercase;
}
.rates-strip__val { color: var(--c-text); font-size: .68rem; }
.rates-strip__sep {
  width: 1px;
  height: .85rem;
  background: var(--c-border);
}

/* Desktop nav — 768px+ */
@media (min-width: 768px) {
  .nav-toggle { display: none; }
  .site-nav {
    display: flex !important;
    position: static;
    flex-direction: row;
    align-items: center;
    background: none;
    border: none;
    padding: 0;
    box-shadow: none;
    gap: .15rem;
  }
  .site-nav__link { padding: .5rem .65rem; font-size: .85rem; }
  .site-nav__link--cta { margin-top: 0; font-size: .82rem; padding: .45rem 1rem; }
}

/* Compact range: 768–980px (tablets, landscape phones) — hide tagline & rates */
@media (min-width: 768px) and (max-width: 979px) {
  .site-logo__tagline { display: none; }
  .site-logo__name { font-size: .88rem; }
  .rates-strip { display: none; }
}

/* Full header: 980px+ — show rates strip */
@media (min-width: 980px) {
  .rates-strip { display: flex; }
  .site-nav__link { padding: .5rem .75rem; font-size: .88rem; }
  .site-nav__link--cta { padding: .48rem 1.15rem; font-size: .88rem; }
}

/* --------------------------------------------------------------------------
   6b. Rates + Reviews promo section (home page, below hero)
   -------------------------------------------------------------------------- */
.rates-section {
  padding: 3rem 0;
  background: var(--c-bg-subtle);
  border-top: 1px solid var(--c-border);
  border-bottom: 1px solid var(--c-border);
}
.rates-section__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2.5rem;
  align-items: center;
}
.rates-panel__label {
  font-size: .7rem;
  font-weight: 600;
  color: var(--c-text-muted);
  text-transform: uppercase;
  letter-spacing: .08em;
  margin-bottom: 1.5rem;
}
.rates-panel__list {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}
.rates-panel__row {
  display: flex;
  align-items: center;
  gap: 1rem;
}
.flag-circle {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  overflow: hidden;
  flex-shrink: 0;
  box-shadow: 0 1px 4px rgba(0,0,0,.18);
}
.flag-circle svg {
  display: block;
  width: 100%;
  height: 100%;
}
.rates-panel__info {
  display: flex;
  flex-direction: column;
  gap: .05rem;
}
.rates-panel__code {
  font-size: .75rem;
  font-weight: 500;
  color: var(--c-text-muted);
  letter-spacing: .03em;
}
.rates-panel__val {
  font-size: 2.2rem;
  font-weight: 700;
  color: var(--c-navy);
  line-height: 1.05;
  letter-spacing: -.03em;
}
.rates-panel__updated {
  margin-top: 1.25rem;
  font-size: .72rem;
  color: var(--c-text-muted);
}
/* Reviews promo panel */
.reviews-promo-panel {
  background: var(--c-bg);
  border: 1px solid var(--c-border);
  border-radius: 1rem;
  padding: 2rem;
  display: flex;
  flex-direction: column;
  height: 100%;
  box-sizing: border-box;
}
.reviews-promo-panel__icon {
  color: var(--c-primary);
  margin-bottom: .875rem;
  flex-shrink: 0;
}
.reviews-promo-panel__title {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--c-text);
  margin-bottom: .5rem;
}
.reviews-promo-panel__desc {
  font-size: .9rem;
  color: var(--c-text-muted);
  font-weight: 500;
  line-height: 1.6;
  margin-bottom: 1.5rem;
}
.reviews-promo-panel__actions {
  display: flex;
  gap: .75rem;
  flex-wrap: wrap;
  margin-top: auto;
}
@media (max-width: 767px) {
  .rates-section { padding: 2rem 0; }
  .rates-section__grid {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }
  .rates-panel__val { font-size: 1.8rem; }
}

/* --------------------------------------------------------------------------
   7. Footer
   -------------------------------------------------------------------------- */
.site-footer {
  background: var(--c-bg-subtle);
  color: var(--c-text-muted);
  margin-top: var(--section-gap);
  border-top: 1px solid var(--c-border);
}

.site-footer__inner {
  display: grid;
  gap: 2.5rem;
  padding-top: 3.5rem;
  padding-bottom: 3rem;
}

.site-footer__brand { display: flex; flex-direction: column; gap: .75rem; }
.site-footer__tagline { font-size: .875rem; color: var(--c-text-muted); line-height: 1.6; max-width: 260px; }

.site-footer__logo {
  display: flex;
  align-items: center;
  gap: .6rem;
  text-decoration: none;
}
.site-footer__logo-icon {
  width: 32px;
  height: 32px;
}
.site-footer__logo-name {
  font-size: .95rem;
  font-weight: 500;
  color: var(--c-navy);
  letter-spacing: -.01em;
}

.site-footer__nav {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 2rem;
}
.site-footer__col-title {
  font-size: .8rem;
  font-weight: 700;
  text-transform: none;
  letter-spacing: .08em;
  color: var(--c-primary);
  margin-bottom: .875rem;
}
.site-footer__col ul { display: flex; flex-direction: column; gap: .3rem; }
.site-footer__col a { color: var(--c-text); font-size: .8rem; font-weight: 500; transition: color var(--t); }
.site-footer__col a:hover { color: var(--c-primary); text-decoration: none; }

.site-footer__bottom {
  border-top: 1px solid var(--c-border);
  padding: 1.25rem 0;
  font-size: .78rem;
  color: var(--c-text-muted);
  line-height: 1.6;
}
.site-footer__bottom-inner {
  display: flex;
  flex-wrap: wrap;
  gap: .75rem 2rem;
  align-items: center;
  justify-content: space-between;
}
.site-footer__legal {
  display: flex;
  flex-wrap: wrap;
  gap: .25rem 1.25rem;
}
.site-footer__legal a {
  font-size: .75rem;
  color: var(--c-text-muted);
  text-decoration: none;
  white-space: nowrap;
  transition: color var(--t);
}
.site-footer__legal a:hover { color: var(--c-primary); text-decoration: none; }

@media (min-width: 768px) {
  .site-footer__inner { grid-template-columns: 300px 1fr; }
}

/* --------------------------------------------------------------------------
   8. Hero (home)
   -------------------------------------------------------------------------- */
.hero {
  background: linear-gradient(160deg, #ffffff 0%, #EBF4FF 100%);
  color: var(--c-text);
  padding: 4rem 0 3.5rem;
  overflow: hidden;
  position: relative;
}

/* Subtle pattern overlay */
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle at 75% 40%, rgba(0,87,231,.07) 0%, transparent 55%),
                    radial-gradient(circle at 10% 80%, rgba(0,87,231,.04) 0%, transparent 45%);
  pointer-events: none;
}

.hero__inner {
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 2.5rem;
  align-items: flex-start;
}

.hero__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  background: var(--c-primary-light);
  border: 1px solid rgba(0,87,231,.2);
  color: var(--c-primary);
  font-size: .8rem;
  font-weight: 600;
  letter-spacing: .06em;
  text-transform: uppercase;
  padding: .3rem .85rem;
  border-radius: 50px;
  margin-bottom: .25rem;
}
.hero__eyebrow-dot {
  width: 6px;
  height: 6px;
  background: var(--c-primary);
  border-radius: 50%;
}

.hero__title {
  font-size: clamp(1.85rem, 4.5vw, 2.75rem);
  font-weight: 700;
  line-height: 1.15;
  letter-spacing: -.03em;
  color: var(--c-navy);
}

.hero__title em {
  font-style: normal;
  color: var(--c-primary);
}

.hero__sub {
  font-size: .95rem;
  color: var(--c-text);
  max-width: 520px;
  line-height: 1.65;
  margin-top: 1.5rem;
}

.hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: .75rem;
  margin-top: 2rem;
  margin-bottom: 2rem;
}

.hero__trust {
  display: flex;
  flex-wrap: wrap;
  gap: 1.25rem;
  margin-top: .5rem;
}
.hero__trust-item {
  display: flex;
  align-items: center;
  gap: .4rem;
  font-size: .825rem;
  color: var(--c-text-muted);
}
.hero__trust-item svg { flex-shrink: 0; opacity: .75; }

/* Score gauge visual */
.hero__visual {
  display: none;
  flex-shrink: 0;
}

/* Transparent card — floats on hero background */
.hero__card {
  background: transparent;
  border: none;
  border-radius: 0;
  padding: 1rem 0 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: .75rem;
  box-shadow: none;
}

.hero__card-label {
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--c-text-muted);
}

.gauge-wrap {
  width: 300px;
  height: auto;
  display: block;
}

/* Factor chips row */
.hero__card-factors {
  display: flex;
  gap: .5rem;
  flex-wrap: wrap;
  justify-content: center;
}
.hero__factor {
  font-size: .78rem;
  font-weight: 600;
  padding: .35rem .9rem;
  border-radius: 50px;
  border: none;
  letter-spacing: .01em;
}
.hero__factor--green  { background: rgba(110,231,183,.2); color: #047857; }
.hero__factor--yellow { background: rgba(251,191,36,.18); color: #b45309; }
.hero__factor--red    { background: rgba(252,165,165,.22); color: #b91c1c; }

/* Benefits row inside hero */
.hero__perks {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: .75rem;
  margin-top: 2.5rem;
  padding-top: 2rem;
  border-top: 1px solid rgba(0,87,231,.12);
}
@media (max-width: 599px) {
  .hero__perks { grid-template-columns: 1fr; }
}
.hero__perk {
  display: flex;
  align-items: center;
  gap: .75rem;
  background: rgba(255,255,255,.65);
  border: 1px solid rgba(0,87,231,.1);
  border-radius: var(--radius-lg);
  padding: .85rem 1rem;
}
.hero__perk-icon {
  font-size: 1.2rem;
  width: 36px;
  height: 36px;
  background: var(--c-gold-pale);
  border-radius: 9px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.hero__perk-text strong {
  display: block;
  font-size: .85rem;
  font-weight: 700;
  color: var(--c-navy);
  line-height: 1.25;
}
.hero__perk-text span {
  font-size: .75rem;
  color: var(--c-text-muted);
}

@media (min-width: 780px) {
  .hero__inner { flex-direction: row; align-items: center; justify-content: space-between; }
  .hero__visual { display: flex; align-items: center; justify-content: center; }
  .hero { padding: 5rem 0 4.5rem; }
  .gauge-wrap { width: 360px; }
}

@media (min-width: 1060px) {
  .gauge-wrap { width: 440px; }
  .hero__card { gap: 1.25rem; }
}

/* --------------------------------------------------------------------------
   9. Benefits strip
   -------------------------------------------------------------------------- */
.benefits-strip {
  background: #fff;
  border-bottom: 1px solid var(--c-border);
  padding: 0;
}

.benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  divide-x: 1px solid var(--c-border);
}

.benefit-item {
  display: flex;
  align-items: center;
  gap: .85rem;
  padding: 1.25rem 1.5rem;
  border-right: 1px solid var(--c-border);
}
.benefit-item:last-child { border-right: none; }

.benefit-item__icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: var(--c-gold-pale);
  color: var(--c-gold-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 1.2rem;
}

.benefit-item__text strong {
  display: block;
  font-size: .95rem;
  font-weight: 700;
  color: var(--c-navy);
  line-height: 1.3;
}
.benefit-item__text span {
  font-size: .8rem;
  color: var(--c-text-muted);
}

@media (max-width: 600px) {
  .benefits-grid { grid-template-columns: 1fr; }
  .benefit-item { border-right: none; border-bottom: 1px solid var(--c-border); }
  .benefit-item:last-child { border-bottom: none; }
}

/* --------------------------------------------------------------------------
   10. Section spacing
   -------------------------------------------------------------------------- */
.check-section,
.topics-section,
.how-section,
.articles-section,
.faq-section,
.articles-page,
.articles-cta,
.related-section,
.offers-section,
.result-section,
.result-cta,
.error-links,
.check-page {
  padding: var(--section-gap) 0;
}

.check-section { background: var(--c-bg-subtle); }
.check-cta-section { background: var(--c-bg-subtle); padding: var(--section-gap) 0; }
.how-section   { background: var(--c-bg-subtle); }
.result-cta    { background: var(--c-bg-subtle); }
.topics-section { background: #fff; }

/* --------------------------------------------------------------------------
   11. Calculator section
   -------------------------------------------------------------------------- */
.check-section__wrap {
  display: grid;
  gap: 2.5rem;
}

.check-section__intro .section-title { font-size: 1.5rem; }

.check-section__features {
  display: flex;
  flex-direction: column;
  gap: .5rem;
  margin-top: 1.25rem;
}
.check-section__features li {
  display: flex;
  align-items: center;
  gap: .6rem;
  font-size: .9rem;
  color: var(--c-text-muted);
}
.check-section__features li::before {
  content: '';
  display: inline-block;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--c-high-bg);
  border: 1.5px solid var(--c-high-border);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12'%3E%3Cpath d='M2 6l3 3 5-5' stroke='%23065f46' stroke-width='1.8' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-size: 10px;
  background-repeat: no-repeat;
  background-position: center;
  flex-shrink: 0;
}

@media (min-width: 768px) {
  .check-section__wrap { grid-template-columns: 1fr 1fr; align-items: start; }
}

/* --------------------------------------------------------------------------
   12. Score form
   -------------------------------------------------------------------------- */
.score-form {
  background: #fff;
  border: 1px solid var(--c-border);
  border-radius: var(--radius-xl);
  padding: 1.5rem;
  box-shadow: var(--shadow-md);
  overflow: hidden;
  min-width: 0;
}

@media (min-width: 480px) {
  .score-form { padding: 2rem; }
}

.score-form__group { margin-bottom: 1.5rem; }
.score-form__group:last-of-type { margin-bottom: 2rem; }

.radio-group {
  display: flex;
  flex-wrap: wrap;
  gap: .5rem;
}

.radio-label {
  display: flex;
  align-items: center;
  gap: .45rem;
  padding: .5rem .9rem;
  border: 1.5px solid var(--c-border);
  border-radius: 50px;
  cursor: pointer;
  transition: border-color var(--t), background var(--t), box-shadow var(--t);
  font-size: .85rem;
  font-weight: 500;
  color: var(--c-gray-700);
  background: #fff;
  max-width: 100%;
  min-width: 0;
  word-break: break-word;
}
.radio-label:hover { border-color: var(--c-primary); background: var(--c-primary-light); }
.radio-label input[type="radio"] { accent-color: var(--c-primary); width: 15px; height: 15px; flex-shrink: 0; }
.radio-label:has(input:checked) {
  border-color: var(--c-primary);
  background: var(--c-primary-light);
  color: var(--c-primary);
  box-shadow: 0 0 0 3px rgba(37,99,235,.1);
}

.score-form__note {
  text-align: center;
  font-size: .8rem;
  color: var(--c-text-muted);
  margin-top: .75rem;
}

.score-form__label {
  display: flex;
  align-items: center;
  gap: .55rem;
  font-weight: 700;
  margin-bottom: .75rem;
  color: var(--c-navy);
  font-size: 1rem;
}

.score-form__label-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 24px;
  height: 24px;
  background: var(--c-navy);
  color: var(--c-gold);
  font-size: .75rem;
  font-weight: 800;
  border-radius: 6px;
  flex-shrink: 0;
}

/* --------------------------------------------------------------------------
   13. Topics grid (replaces link-grid)
   -------------------------------------------------------------------------- */
.topic-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 1rem;
}

.topic-card {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  background: #fff;
  border: 1.5px solid var(--c-border);
  border-radius: var(--radius-lg);
  padding: 1.25rem 1.35rem;
  text-decoration: none;
  color: var(--c-text);
  transition: border-color var(--t), box-shadow var(--t), transform var(--t);
}
.topic-card:hover {
  border-color: var(--c-gold);
  box-shadow: 0 4px 20px rgba(245,158,11,.12);
  transform: translateY(-2px);
  text-decoration: none;
}

.topic-card__icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  flex-shrink: 0;
  background: var(--c-gold-pale);
}

.topic-card__icon--blue   { background: var(--c-primary-light); }
.topic-card__icon--green  { background: #ecfdf5; }
.topic-card__icon--purple { background: #f5f3ff; }
.topic-card__icon--red    { background: #fef2f2; }
.topic-card__icon--teal   { background: #f0fdfa; }

.topic-card__body {}
.topic-card__title {
  font-size: .95rem;
  font-weight: 700;
  color: var(--c-navy);
  margin-bottom: .25rem;
  display: block;
  line-height: 1.35;
}
.topic-card__desc {
  font-size: .825rem;
  color: var(--c-text-muted);
  margin: 0;
  line-height: 1.4;
}

/* Legacy link-grid kept for backwards compat */
.link-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
  gap: 1rem;
}
.link-grid__item {
  background: var(--c-bg-subtle);
  border: 1px solid var(--c-border);
  border-radius: var(--radius);
  padding: 1rem 1.1rem;
  transition: border-color var(--t), box-shadow var(--t);
}
.link-grid__item:hover { border-color: var(--c-primary); box-shadow: var(--shadow-sm); }
.link-grid__item a { font-weight: 600; font-size: .95rem; display: block; margin-bottom: .25rem; }
.link-grid__item p { font-size: .85rem; color: var(--c-text-muted); margin: 0; line-height: 1.4; }

/* --------------------------------------------------------------------------
   14. Steps (how it works)
   -------------------------------------------------------------------------- */
.steps {
  display: grid;
  gap: 1.5rem;
  list-style: none;
  counter-reset: steps;
}

.steps__item {
  display: flex;
  gap: 1.25rem;
  align-items: flex-start;
  background: #fff;
  border: 1.5px solid var(--c-border);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  transition: border-color var(--t), box-shadow var(--t);
}
.steps__item:hover { border-color: var(--c-gold); box-shadow: 0 4px 16px rgba(245,158,11,.1); }

.steps__num {
  flex-shrink: 0;
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: var(--c-navy);
  color: var(--c-gold);
  font-size: 1.15rem;
  font-weight: 900;
  display: flex;
  align-items: center;
  justify-content: center;
  letter-spacing: -.02em;
}

.steps__name { font-size: 1rem; font-weight: 700; color: var(--c-navy); display: block; margin-bottom: .3rem; }
.steps__body p { font-size: .9rem; color: var(--c-text-muted); margin: 0; line-height: 1.55; }

@media (min-width: 768px) {
  .steps { grid-template-columns: repeat(3, 1fr); }
  .steps__item { flex-direction: column; }
}

/* --------------------------------------------------------------------------
   15. Post cards
   -------------------------------------------------------------------------- */
.post-grid {
  display: grid;
  gap: 1.25rem;
}

.post-card {
  background: #fff;
  border: 1.5px solid var(--c-border);
  border-radius: var(--radius-lg);
  padding: 1.4rem 1.5rem;
  display: flex;
  flex-direction: column;
  gap: .6rem;
  transition: box-shadow var(--t), border-color var(--t), transform var(--t);
  position: relative;
  overflow: hidden;
}
.post-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.post-card__tag {
  display: inline-block;
  font-size: .7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--c-primary);
  background: var(--c-primary-light);
  padding: .15rem .6rem;
  border-radius: 50px;
  align-self: flex-start;
}

.post-card__link { text-decoration: none; }
.post-card__link:hover { text-decoration: none; }
.post-card__title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--c-navy);
  line-height: 1.4;
  transition: color var(--t);
}
.post-card__link:hover .post-card__title { color: var(--c-primary); }

.post-card__intro {
  font-size: .875rem;
  color: var(--c-text-muted);
  line-height: 1.55;
  flex: 1;
}

.post-card__footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-top: auto;
  padding-top: .6rem;
  border-top: 1px solid var(--c-gray-100);
}

.post-card__date { font-size: .78rem; color: var(--c-gray-400); }
.post-card__read {
  font-size: .82rem;
  font-weight: 600;
  color: var(--c-primary);
  display: flex;
  align-items: center;
  gap: .2rem;
}

.articles-section__head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 1.75rem;
}
.articles-section__head .section-title { margin-bottom: 0; }
.link-more {
  font-size: .875rem;
  font-weight: 600;
  white-space: nowrap;
  color: var(--c-primary);
  display: flex;
  align-items: center;
  gap: .25rem;
  padding: .4rem 1rem;
  border: 1.5px solid var(--c-border);
  border-radius: 50px;
  transition: border-color var(--t), background var(--t);
}
.link-more:hover { border-color: var(--c-primary); background: var(--c-primary-light); text-decoration: none; }

@media (min-width: 640px) {
  .post-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (min-width: 1024px) {
  .post-grid { grid-template-columns: repeat(3, 1fr); }
  .post-grid--full { grid-template-columns: repeat(3, 1fr); }
}

/* --------------------------------------------------------------------------
   16. Offer cards
   -------------------------------------------------------------------------- */
.offer-grid { display: grid; gap: 1rem; }

.offer-card {
  background: #fff;
  border: 1.5px solid var(--c-border);
  border-radius: var(--radius-lg);
  padding: 1.4rem;
  display: flex;
  flex-direction: column;
  gap: .6rem;
  transition: box-shadow var(--t);
}
.offer-card:hover { box-shadow: var(--shadow-md); }

.offer-card__partner {
  font-size: .7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .07em;
  color: var(--c-gold-dark);
  background: var(--c-gold-pale);
  padding: .15rem .6rem;
  border-radius: 50px;
  align-self: flex-start;
}
.offer-card__title { font-size: 1rem; font-weight: 700; color: var(--c-navy); }
.offer-card__desc  { font-size: .875rem; color: var(--c-text-muted); flex: 1; line-height: 1.5; }
.offer-card__btn   { align-self: flex-start; margin-top: auto; font-size: .9rem; }

@media (min-width: 640px) { .offer-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 900px)  { .offer-grid { grid-template-columns: repeat(3, 1fr); } }

/* --------------------------------------------------------------------------
   17. Score result
   -------------------------------------------------------------------------- */
.result-section__wrap {
  display: grid;
  gap: 2.5rem;
  align-items: start;
}
.result-main__title {
  font-size: 1.6rem;
  font-weight: 700;
  margin-bottom: 1.25rem;
  color: var(--c-navy);
}

.score-card {
  border-radius: var(--radius-xl);
  border: 2px solid;
  padding: 2rem;
  text-align: center;
  margin-bottom: 1.25rem;
}
.score-card--high   { background: var(--c-high-bg); border-color: var(--c-high-border); }
.score-card--medium { background: var(--c-mid-bg);  border-color: var(--c-mid-border); }
.score-card--low    { background: var(--c-low-bg);  border-color: var(--c-low-border); }

.score-card__number {
  font-size: 4.5rem;
  font-weight: 900;
  line-height: 1;
  letter-spacing: -.03em;
}
.score-card--high   .score-card__number { color: var(--c-high-text); }
.score-card--medium .score-card__number { color: var(--c-mid-text); }
.score-card--low    .score-card__number { color: var(--c-low-text); }

.score-card__level {
  font-size: 1.2rem;
  font-weight: 700;
  margin-top: .4rem;
}
.score-card--high   .score-card__level { color: var(--c-high-text); }
.score-card--medium .score-card__level { color: var(--c-mid-text); }
.score-card--low    .score-card__level { color: var(--c-low-text); }

.score-card__bar {
  height: 8px;
  background: rgba(0,0,0,.08);
  border-radius: 4px;
  margin-top: 1rem;
  overflow: hidden;
}
.score-card__bar-fill {
  height: 100%;
  border-radius: 4px;
  transition: width .6s ease;
}
.score-card--high   .score-card__bar-fill { background: var(--c-high-text); }
.score-card--medium .score-card__bar-fill { background: var(--c-mid-text); }
.score-card--low    .score-card__bar-fill { background: var(--c-low-text); }

.result-explanation { font-size: .975rem; line-height: 1.7; color: var(--c-text); margin-bottom: 1.25rem; }
.result-offers__title { font-size: 1.2rem; font-weight: 700; margin-bottom: .4rem; }
.result-offers__sub { font-size: .875rem; color: var(--c-text-muted); margin-bottom: 1rem; }
.offer-list { display: flex; flex-direction: column; gap: 1rem; }

@media (min-width: 768px) { .result-section__wrap { grid-template-columns: 1fr 340px; } }

/* --------------------------------------------------------------------------
   18. Notices & disclaimer
   -------------------------------------------------------------------------- */
.notice {
  border-radius: var(--radius);
  padding: .9rem 1.1rem;
  font-size: .875rem;
  line-height: 1.6;
  margin-bottom: 1.25rem;
}
.notice--warning { background: var(--c-mid-bg); border: 1px solid var(--c-mid-border); color: var(--c-mid-text); }
.notice--info    { background: var(--c-primary-light); border: 1px solid #bfdbfe; color: var(--c-primary-dark); margin-top: 1.5rem; }

.disclaimer {
  background: var(--c-bg-subtle);
  border: 1px solid var(--c-border);
  border-left: 4px solid var(--c-gold);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 1rem 1.25rem;
  font-size: .875rem;
  color: var(--c-text-muted);
  line-height: 1.6;
  margin: var(--section-gap) 0 2rem;
}

/* --------------------------------------------------------------------------
   19. Badges
   -------------------------------------------------------------------------- */
.badge {
  display: inline-block;
  padding: .2rem .65rem;
  border-radius: 20px;
  font-size: .8rem;
  font-weight: 700;
  line-height: 1.4;
}
.badge--high   { background: var(--c-high-bg); color: var(--c-high-text); border: 1px solid var(--c-high-border); }
.badge--medium { background: var(--c-mid-bg);  color: var(--c-mid-text);  border: 1px solid var(--c-mid-border); }
.badge--low    { background: var(--c-low-bg);  color: var(--c-low-text);  border: 1px solid var(--c-low-border); }

/* --------------------------------------------------------------------------
   20. CTA box
   -------------------------------------------------------------------------- */
.cta-box {
  background: linear-gradient(135deg, #003DA5 0%, #0057E7 100%);
  border-radius: var(--radius-xl);
  padding: 2.5rem;
  margin: var(--section-gap) 0 0;
  color: #fff;
  position: relative;
  overflow: hidden;
}
.cta-box::after {
  content: '';
  position: absolute;
  right: -40px;
  top: -40px;
  width: 200px;
  height: 200px;
  background: radial-gradient(circle, rgba(245,158,11,.15) 0%, transparent 70%);
  pointer-events: none;
}
.cta-box--centered { text-align: center; }
.cta-box--centered .cta-box__inner { max-width: 560px; margin-inline: auto; position: relative; }
.cta-box__title { font-size: 1.4rem; font-weight: 600; margin-bottom: .5rem; color: #fff; }
.cta-box__text  { color: rgba(255,255,255,.75); margin-bottom: 1.5rem; font-size: .975rem; }

/* --------------------------------------------------------------------------
   21. Breadcrumbs
   -------------------------------------------------------------------------- */
.breadcrumb { padding: .5rem 0 .875rem; }
.breadcrumb__list {
  display: flex;
  flex-wrap: wrap;
  gap: .2rem;
  align-items: center;
  list-style: none;
  font-size: .78rem;
  color: var(--c-gray-400);
}
.breadcrumb__item:not(:last-child)::after { content: "/"; margin-left: .2rem; color: var(--c-gray-200); }
.breadcrumb__link { color: var(--c-gray-400); transition: color var(--t); }
.breadcrumb__link:hover { color: var(--c-text-muted); text-decoration: none; }
.breadcrumb__current { color: var(--c-gray-400); }

/* --------------------------------------------------------------------------
   22. Page hero (inner pages)
   -------------------------------------------------------------------------- */
.page-hero {
  background: linear-gradient(160deg, #EBF4FF 0%, #DBEAFE 100%);
  color: var(--c-text);
  padding: 2.75rem 0 2.25rem;
  border-bottom: 1px solid var(--c-border);
}
.page-hero__eyebrow {
  font-size: .75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--c-primary);
  margin-bottom: .5rem;
}
.page-hero__title {
  font-size: clamp(1.45rem, 3.5vw, 2.1rem);
  font-weight: 600;
  letter-spacing: -.025em;
  line-height: 1.2;
  margin-bottom: .6rem;
  color: var(--c-navy);
}
.page-hero__sub { color: var(--c-text); font-size: .975rem; max-width: 600px; line-height: 1.6; }
.page-hero__action { margin-top: 1.5rem; }

/* --------------------------------------------------------------------------
   23. Check page
   -------------------------------------------------------------------------- */
.check-page__wrap { display: grid; gap: 2rem; align-items: start; min-width: 0; overflow: hidden; }

.info-card {
  background: #fff;
  border: 1.5px solid var(--c-border);
  border-radius: var(--radius-lg);
  padding: 1.4rem;
}
.info-card__title { font-size: 1rem; font-weight: 700; color: var(--c-navy); margin-bottom: 1rem; }
.info-card__list {
  display: flex;
  flex-direction: column;
  gap: .5rem;
  font-size: .875rem;
  color: var(--c-text-muted);
  margin-bottom: 1.25rem;
  list-style: none;
}
.info-card__list li { line-height: 1.5; }
.info-card__list strong { color: var(--c-text); }
.info-card__levels { display: flex; flex-direction: column; gap: .4rem; font-size: .875rem; }
.info-card__levels p { display: flex; align-items: center; gap: .5rem; margin: 0; }

/* On mobile the aside stacks below the form — give it breathing room */
@media (max-width: 767px) {
  .check-page__info-col { margin-bottom: 2rem; }
}

@media (min-width: 768px) { .check-page__wrap { grid-template-columns: 1fr 320px; } }

/* --------------------------------------------------------------------------
   24. Article page
   -------------------------------------------------------------------------- */
.article { padding-bottom: var(--section-gap); }
.article__header { padding-top: 1.75rem; padding-bottom: 1.75rem; }

.article__h1 {
  font-size: clamp(1.5rem, 3.5vw, 2.2rem);
  font-weight: 600;
  line-height: 1.2;
  letter-spacing: -.025em;
  max-width: var(--container-narrow);
  margin-bottom: .75rem;
  color: var(--c-navy);
}

.article__meta {
  font-size: .825rem;
  color: var(--c-text-muted);
  margin-bottom: 1rem;
  display: flex;
  gap: .75rem;
  align-items: center;
}

.article__intro {
  font-size: 1.075rem;
  color: var(--c-text-muted);
  line-height: 1.7;
  max-width: var(--container-narrow);
  border-left: 4px solid var(--c-gold);
  padding-left: 1.1rem;
  margin-top: .5rem;
}

/* Article hero (cta-box-style header) */
.article-hero {
  background: linear-gradient(135deg, #003DA5 0%, #0057E7 100%);
  padding: 2rem 0 2.5rem;
  position: relative;
  overflow: hidden;
}
.article-hero::after {
  content: '';
  position: absolute;
  right: -60px; top: -60px;
  width: 280px; height: 280px;
  background: radial-gradient(circle, rgba(245,158,11,.15) 0%, transparent 70%);
  pointer-events: none;
}
.article-hero__inner { position: relative; }
.article-hero__h1 {
  font-size: clamp(1.4rem, 3.5vw, 2.1rem);
  font-weight: 700;
  line-height: 1.2;
  letter-spacing: -.025em;
  max-width: var(--container-narrow);
  color: #fff;
  margin-bottom: .75rem;
}
.article-hero__intro {
  font-size: 1.05rem;
  color: rgba(255,255,255,.8);
  line-height: 1.65;
  max-width: var(--container-narrow);
}
.article-hero .breadcrumb { padding-bottom: 1.25rem; }
.article-hero .breadcrumb__link { color: rgba(255,255,255,.6); }
.article-hero .breadcrumb__link:hover { color: #fff; }
.article-hero .breadcrumb__current { color: rgba(255,255,255,.45); }
.article-hero .breadcrumb__item:not(:last-child)::after { color: rgba(255,255,255,.25); }

.article__body {
  max-width: var(--container-narrow);
  font-size: 1rem;
  line-height: 1.65;
  color: var(--c-text);
  padding-top: 2rem;
}
.article__body h2 {
  font-size: 1.5rem;
  font-weight: 600;
  margin: 2.5rem 0 .75rem;
  color: var(--c-navy);
  letter-spacing: -.02em;
  line-height: 1.3;
}
.article__body h3 {
  font-size: 1.15rem;
  font-weight: 700;
  margin: 1.75rem 0 .6rem;
  color: var(--c-navy);
}
.article__body h4 { font-size: 1rem; font-weight: 700; margin: 1.5rem 0 .5rem; }
.article__body p { margin-bottom: 1.1rem; }
.article__body ul,
.article__body ol { margin: .75rem 0 1.25rem 1.5rem; }
.article__body ul { list-style: disc; }
.article__body ol { list-style: decimal; }
.article__body li { margin-bottom: .4rem; line-height: 1.7; }
.article__body a { color: var(--c-primary); font-weight: 500; }
.article__body strong { font-weight: 700; color: var(--c-navy); }

.article__body blockquote {
  border-left: 4px solid var(--c-gold);
  padding: .75rem 1.25rem;
  background: var(--c-gold-pale);
  border-radius: 0 var(--radius) var(--radius) 0;
  margin: 1.25rem 0;
  font-style: italic;
  color: var(--c-mid-text);
}

.article__body table {
  width: 100%;
  border-collapse: collapse;
  font-size: .9rem;
  margin: 1.25rem 0;
  overflow-x: auto;
  display: block;
}
.article__body th,
.article__body td { border: 1px solid var(--c-border); padding: .55rem .85rem; text-align: left; }
.article__body th { background: var(--c-bg-subtle); font-weight: 700; color: var(--c-navy); }
.article__body tr:hover td { background: var(--c-bg-subtle); }

.article__body .callout {
  border-radius: var(--radius);
  padding: 1rem 1.25rem;
  margin: 1.25rem 0;
  font-size: .9rem;
  line-height: 1.6;
}
.article__body .callout--info    { background: var(--c-primary-light); border: 1px solid #bfdbfe; }
.article__body .callout--warning { background: var(--c-mid-bg); border: 1px solid var(--c-mid-border); }
.article__body .callout--danger  { background: var(--c-low-bg); border: 1px solid var(--c-low-border); }

/* --------------------------------------------------------------------------
   25. FAQ
   -------------------------------------------------------------------------- */
.faq { max-width: var(--container-narrow); margin-inline: auto; }
.article .faq { margin-top: var(--section-gap); }
.faq__title { font-size: 1.625rem; font-weight: 700; margin-bottom: 1.5rem; color: var(--c-navy); }

.faq__list { display: flex; flex-direction: column; gap: .5rem; }

.faq__item {
  border: 1.5px solid var(--c-border);
  border-radius: var(--radius-lg);
  background: #fff;
  transition: border-color var(--t), box-shadow var(--t);
}
.faq__item[open] { border-color: var(--c-gold); box-shadow: 0 4px 16px rgba(245,158,11,.1); }

.faq__question {
  font-weight: 600;
  padding: 1.1rem 1.35rem;
  cursor: pointer;
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  font-size: .975rem;
  color: var(--c-navy);
  transition: color var(--t);
  user-select: none;
}
.faq__question::-webkit-details-marker { display: none; }
.faq__question::after {
  content: "+";
  font-size: 1.4rem;
  font-weight: 300;
  color: var(--c-gold);
  flex-shrink: 0;
  transition: transform var(--t);
}
.faq__item[open] .faq__question::after { transform: rotate(45deg); }
.faq__item[open] .faq__question { color: var(--c-navy); }

.faq__answer {
  padding: 0 1.35rem 1.2rem;
  font-size: .9rem;
  color: var(--c-text-muted);
  line-height: 1.75;
}

/* --------------------------------------------------------------------------
   26. 404 page
   -------------------------------------------------------------------------- */
.error-page { padding: 5rem 0 3rem; text-align: center; }
.error-page__inner { display: flex; flex-direction: column; align-items: center; gap: 1rem; }
.error-page__code { font-size: 6rem; font-weight: 900; color: var(--c-gray-200); line-height: 1; }
.error-page__title { font-size: 1.8rem; font-weight: 700; color: var(--c-navy); }
.error-page__text { color: var(--c-text-muted); max-width: 380px; }

/* --------------------------------------------------------------------------
   27. Utilities
   -------------------------------------------------------------------------- */
.empty-state { color: var(--c-text-muted); font-size: .95rem; padding: 2rem 0; }

.sr-only {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border: 0;
}

/* --------------------------------------------------------------------------
   28b. Check CTA section (home page teaser)
   -------------------------------------------------------------------------- */
.check-cta {
  display: grid;
  gap: 2.5rem;
  align-items: center;
}

.check-cta__title {
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--c-navy);
  letter-spacing: -.025em;
  margin-bottom: .5rem;
}

.check-cta__sub {
  color: var(--c-text-muted);
  font-size: 1rem;
  margin-bottom: 1.25rem;
}

.check-cta__features {
  display: flex;
  flex-direction: column;
  gap: .45rem;
}
.check-cta__features li {
  display: flex;
  align-items: center;
  gap: .6rem;
  font-size: .9rem;
  color: var(--c-text-muted);
}
.check-cta__features li::before {
  content: '';
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--c-high-bg);
  border: 1.5px solid var(--c-high-border);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12'%3E%3Cpath d='M2 6l3 3 5-5' stroke='%23065f46' stroke-width='1.8' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-size: 10px;
  background-repeat: no-repeat;
  background-position: center;
  flex-shrink: 0;
}

.check-cta__card {
  background: #fff;
  border: 1.5px solid var(--c-border);
  border-radius: var(--radius-xl);
  padding: 2rem;
  box-shadow: var(--shadow-md);
}

.check-cta__steps {
  display: flex;
  flex-wrap: wrap;
  gap: .5rem;
  margin-bottom: 1.25rem;
}

.check-cta__step {
  background: var(--c-bg-subtle);
  border: 1.5px solid var(--c-border);
  border-radius: 50px;
  padding: .35rem .85rem;
  font-size: .8rem;
  font-weight: 600;
  color: var(--c-navy);
}

.check-cta__step--more {
  background: var(--c-gold-pale);
  border-color: var(--c-gold);
  color: var(--c-gold-dark);
}

.check-cta__note {
  text-align: center;
  font-size: .8rem;
  color: var(--c-text-muted);
  margin-top: .875rem;
}

@media (min-width: 768px) {
  .check-cta { grid-template-columns: 1fr 380px; }
}

/* --------------------------------------------------------------------------
   29. Score card — gauge + scale bar
   -------------------------------------------------------------------------- */
.score-card__gauge {
  width: 140px;
  margin: 0 auto .5rem;
}

.score-card__scale {
  display: flex;
  align-items: center;
  gap: .6rem;
  margin-top: 1rem;
  font-size: .75rem;
  color: var(--c-text-muted);
  font-weight: 500;
}

.score-card__scale .score-card__bar {
  flex: 1;
  margin-top: 0;
}

/* --------------------------------------------------------------------------
   30. Result tips
   -------------------------------------------------------------------------- */
.result-tips {
  background: var(--c-navy);
  border-radius: var(--radius-lg);
  padding: 1.5rem 1.75rem;
  margin: 1.5rem 0;
  color: #fff;
}

.result-tips__title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--c-gold);
  margin-bottom: 1rem;
  letter-spacing: .02em;
  text-transform: uppercase;
  font-size: .8rem;
}

.result-tips__list {
  display: flex;
  flex-direction: column;
  gap: .75rem;
  list-style: none;
}

.result-tips__item {
  display: flex;
  gap: .75rem;
  font-size: .9rem;
  color: rgba(255,255,255,.85);
  line-height: 1.6;
}

.result-tips__item::before {
  content: '→';
  color: var(--c-gold);
  font-weight: 700;
  flex-shrink: 0;
  margin-top: .05em;
}

/* --------------------------------------------------------------------------
   31. Result actions row
   -------------------------------------------------------------------------- */
.result-actions {
  display: flex;
  flex-wrap: wrap;
  gap: .75rem;
  margin-top: 1.5rem;
}

/* --------------------------------------------------------------------------
   Loan Calculator page
   -------------------------------------------------------------------------- */
.calc-page { padding: var(--section-gap) 0; }

.calc-wrap {
  display: grid;
  gap: 2rem;
  align-items: start;
  margin-bottom: 2rem;
}
@media (min-width: 768px) {
  .calc-wrap { grid-template-columns: 1fr 340px; gap: 2.5rem; }
}

/* ----- inputs side ----- */
.calc-inputs { display: flex; flex-direction: column; gap: 1.75rem; }

.calc-field__head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: .6rem;
  gap: 1rem;
}
.calc-field__label {
  font-weight: 700;
  font-size: .95rem;
  color: var(--c-navy);
}
.calc-field__val-wrap {
  display: flex;
  align-items: center;
  gap: .3rem;
  background: var(--c-bg-subtle);
  border: 1.5px solid var(--c-border);
  border-radius: var(--radius);
  padding: .3rem .75rem;
}
.calc-field__input {
  width: 90px;
  border: none;
  background: transparent;
  font-size: .95rem;
  font-weight: 700;
  color: var(--c-navy);
  font-family: var(--font);
  text-align: right;
  outline: none;
  -moz-appearance: textfield;
}
.calc-field__input::-webkit-outer-spin-button,
.calc-field__input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
.calc-field__unit { font-size: .85rem; color: var(--c-text-muted); font-weight: 500; }

/* slider */
.calc-slider {
  width: 100%;
  accent-color: var(--c-primary);
  height: 4px;
  cursor: pointer;
  margin-bottom: .35rem;
}
.calc-slider__marks {
  display: flex;
  justify-content: space-between;
  font-size: .72rem;
  color: var(--c-text-muted);
}

/* term presets */
.calc-term-presets {
  display: flex;
  flex-wrap: wrap;
  gap: .4rem;
  margin-top: .75rem;
}
.calc-preset {
  padding: .3rem .85rem;
  border: 1.5px solid var(--c-border);
  border-radius: 50px;
  background: #fff;
  font-size: .8rem;
  font-weight: 500;
  color: var(--c-text-muted);
  cursor: pointer;
  transition: border-color var(--t), background var(--t), color var(--t);
}
.calc-preset:hover { border-color: var(--c-primary); color: var(--c-primary); background: var(--c-primary-light); }
.calc-preset.is-active { border-color: var(--c-primary); background: var(--c-primary-light); color: var(--c-primary); font-weight: 700; }

/* ----- results side ----- */
.calc-results {
  background: #fff;
  border: 1.5px solid var(--c-border);
  border-radius: var(--radius-xl);
  padding: 1.75rem;
  box-shadow: var(--shadow-md);
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.calc-result-main {
  text-align: center;
  background: var(--c-primary-light);
  border-radius: var(--radius-lg);
  padding: 1.25rem 1rem;
}
.calc-result-main__label {
  font-size: .78rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .07em;
  color: var(--c-primary);
  margin-bottom: .4rem;
}
.calc-result-main__value {
  font-size: 2.2rem;
  font-weight: 900;
  color: var(--c-navy);
  letter-spacing: -.03em;
  line-height: 1;
}

.calc-result-rows { display: flex; flex-direction: column; gap: .5rem; }
.calc-result-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: .9rem;
  padding: .4rem 0;
  border-bottom: 1px solid var(--c-gray-100);
}
.calc-result-row:last-child { border-bottom: none; }
.calc-result-row__label { color: var(--c-text-muted); }
.calc-result-row__val { font-weight: 700; color: var(--c-text); }
.calc-result-row__val--accent { color: var(--c-gold-dark); }

/* bar */
.calc-overpay-bar__track {
  display: flex;
  height: 10px;
  border-radius: 5px;
  overflow: hidden;
  background: var(--c-gray-100);
  margin-bottom: .5rem;
}
.calc-overpay-bar__fill {
  height: 100%;
  transition: width .4s ease;
}
.calc-overpay-bar__fill--principal { background: var(--c-primary); }
.calc-overpay-bar__fill--overpay   { background: var(--c-gold); }
.calc-overpay-bar__legend {
  display: flex;
  gap: 1rem;
  font-size: .75rem;
  color: var(--c-text-muted);
}
.dot {
  display: inline-block;
  width: 10px; height: 10px;
  border-radius: 50%;
  margin-right: .3rem;
  vertical-align: middle;
}
.dot--blue { background: var(--c-primary); }
.dot--gold { background: var(--c-gold); }

/* income hint */
.calc-income-hint {
  display: flex;
  align-items: flex-start;
  gap: .5rem;
  font-size: .82rem;
  color: var(--c-text-muted);
  background: var(--c-bg-subtle);
  border-radius: var(--radius);
  padding: .75rem 1rem;
  line-height: 1.5;
}
.calc-income-hint svg { flex-shrink: 0; margin-top: .1rem; color: var(--c-primary); }
.calc-income-hint strong { color: var(--c-text); }

/* ----- schedule ----- */
.calc-schedule-wrap {
  margin-bottom: 2.5rem;
  border: 1.5px solid var(--c-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
}
.calc-schedule-toggle {
  display: flex;
  align-items: center;
  gap: .6rem;
  width: 100%;
  padding: .9rem 1.25rem;
  background: var(--c-bg-subtle);
  border: none;
  cursor: pointer;
  font-size: .92rem;
  font-weight: 600;
  color: var(--c-navy);
  font-family: var(--font);
  text-align: left;
  transition: background var(--t);
}
.calc-schedule-toggle:hover { background: var(--c-gray-100); }
.toggle-chevron { margin-left: auto; color: var(--c-text-muted); transition: transform var(--t); }
.calc-schedule-toggle[aria-expanded="true"] .toggle-chevron { transform: rotate(180deg); }

.calc-schedule { border-top: 1px solid var(--c-border); }
.calc-schedule__scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; }
.calc-schedule__table {
  width: 100%;
  border-collapse: collapse;
  font-size: .85rem;
}
.calc-schedule__table th,
.calc-schedule__table td {
  padding: .55rem .9rem;
  text-align: right;
  border-bottom: 1px solid var(--c-gray-100);
  white-space: nowrap;
}
.calc-schedule__table th:first-child,
.calc-schedule__table td:first-child { text-align: center; }
.calc-schedule__table th {
  background: var(--c-bg-subtle);
  font-weight: 700;
  font-size: .78rem;
  text-transform: uppercase;
  letter-spacing: .05em;
  color: var(--c-text-muted);
  position: sticky;
  top: 0;
}
.calc-schedule__table tr:last-child td { border-bottom: none; }
.calc-schedule__table tr:hover td { background: var(--c-bg-subtle); }

/* ----- info cards ----- */
.calc-info {
  display: grid;
  gap: 1.5rem;
}
@media (min-width: 640px) {
  .calc-info { grid-template-columns: 1fr 1fr; }
}
.calc-info__card {
  background: #fff;
  border: 1.5px solid var(--c-border);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
}
.calc-info__title {
  font-size: 1rem;
  font-weight: 600;
  color: var(--c-navy);
  margin-bottom: .75rem;
}
.calc-info__card p { font-size: .9rem; color: var(--c-text-muted); line-height: 1.65; margin-bottom: .6rem; }
.calc-info__card code { background: var(--c-bg-subtle); padding: .15rem .4rem; border-radius: 4px; font-size: .82rem; }
.calc-info__link { font-size: .875rem; font-weight: 600; color: var(--c-primary); }

/* --------------------------------------------------------------------------
   Loan calc promo (home page)
   -------------------------------------------------------------------------- */
.calc-promo-section {
  padding: var(--section-gap) 0;
  background: var(--c-primary-light);
  border-top: 1px solid var(--c-border);
  border-bottom: 1px solid var(--c-border);
}

.calc-promo {
  display: grid;
  gap: 2.5rem;
  align-items: center;
  color: var(--c-text);
}
@media (min-width: 640px) {
  .calc-promo { grid-template-columns: 1fr auto; }
}

.calc-promo__icon { font-size: 2.5rem; margin-bottom: .5rem; }
.calc-promo__title {
  font-size: 1.75rem;
  font-weight: 700;
  letter-spacing: -.025em;
  margin-bottom: .5rem;
  color: var(--c-navy);
}
.calc-promo__sub {
  color: var(--c-text-muted);
  font-size: .975rem;
  max-width: 480px;
  margin-bottom: 1.5rem;
  line-height: 1.6;
}

.calc-promo__card {
  background: #fff;
  border: 1.5px solid var(--c-border);
  border-radius: var(--radius-lg);
  padding: 1.4rem 1.75rem;
  min-width: 220px;
  box-shadow: var(--shadow-md);
}
.calc-promo__row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1.5rem;
  font-size: .88rem;
  padding: .35rem 0;
  color: var(--c-text-muted);
}
.calc-promo__row strong { color: var(--c-navy); font-weight: 700; }
.calc-promo__divider { height: 1px; background: var(--c-border); margin: .5rem 0; }
.calc-promo__result {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  padding-top: .35rem;
  font-size: .88rem;
  color: var(--c-text-muted);
}
.calc-promo__payment {
  font-size: 1.25rem;
  font-weight: 900;
  color: var(--c-primary);
  letter-spacing: -.02em;
}

/* --------------------------------------------------------------------------
   Early Repayment section
   -------------------------------------------------------------------------- */
.prepay-section {
  margin-bottom: 2.5rem;
  border: 1.5px solid var(--c-border);
  border-radius: var(--radius-xl);
  padding: 2rem;
  background: #fff;
}

.prepay-header { margin-bottom: 1.75rem; }
.prepay-header__title {
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--c-navy);
  letter-spacing: -.02em;
  margin-bottom: .35rem;
}
.prepay-header__sub { font-size: .9rem; color: var(--c-text-muted); }

/* controls row */
.prepay-controls {
  display: flex;
  flex-wrap: wrap;
  gap: 1.25rem;
  align-items: flex-end;
  margin-bottom: 1.75rem;
}
.prepay-amount-group { flex: 1; min-width: 220px; }
.prepay-amount-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  margin-bottom: .6rem;
}

/* type toggle */
.prepay-type-toggle {
  display: flex;
  border: 1.5px solid var(--c-border);
  border-radius: 50px;
  overflow: hidden;
  flex-shrink: 0;
}
.prepay-type-btn {
  padding: .5rem 1.1rem;
  border: none;
  background: #fff;
  font-size: .83rem;
  font-weight: 600;
  color: var(--c-text-muted);
  cursor: pointer;
  font-family: var(--font);
  transition: background var(--t), color var(--t);
}
.prepay-type-btn.is-active {
  background: var(--c-navy);
  color: #fff;
}

/* comparison cards */
.prepay-cards {
  display: grid;
  gap: 1rem;
  margin-bottom: 1.25rem;
}
@media (min-width: 600px) {
  .prepay-cards { grid-template-columns: 1fr 1fr; }
}

.prepay-card {
  border: 2px solid var(--c-border);
  border-radius: var(--radius-lg);
  padding: 1.35rem 1.4rem;
  display: flex;
  flex-direction: column;
  gap: .85rem;
  transition: border-color var(--t), box-shadow var(--t);
  position: relative;
}
.prepay-card:hover { border-color: var(--c-primary); box-shadow: 0 4px 20px rgba(0,87,231,.08); }

.prepay-card__badge {
  display: inline-block;
  font-size: .68rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  padding: .2rem .65rem;
  border-radius: 50px;
  align-self: flex-start;
}
.prepay-card__badge--savings {
  background: #ecfdf5;
  color: #065f46;
  border: 1px solid #6ee7b7;
}
.prepay-card__badge--comfort {
  background: var(--c-primary-light);
  color: var(--c-primary-dark);
  border: 1px solid #bfdbfe;
}

.prepay-card__title {
  display: flex;
  align-items: center;
  gap: .5rem;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--c-navy);
  margin: 0;
}

.prepay-card__rows { display: flex; flex-direction: column; }

.prepay-card__row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: .75rem;
  padding: .45rem 0;
  border-bottom: 1px solid var(--c-gray-100);
  font-size: .875rem;
}
.prepay-card__row:last-child { border-bottom: none; }
.prepay-card__row span { color: var(--c-text-muted); }
.prepay-card__row strong { color: var(--c-text); font-weight: 700; text-align: right; }

.prepay-card__row--highlight { background: var(--c-bg-subtle); margin: 0 -.5rem; padding: .45rem .5rem; border-radius: 6px; border-bottom: none; }
.prepay-card__row--highlight + .prepay-card__row { border-top: 1px solid var(--c-gray-100); }
.prepay-card__accent { color: var(--c-primary) !important; font-size: .95rem; }

.prepay-card__footer {
  display: flex;
  align-items: flex-start;
  gap: .4rem;
  font-size: .78rem;
  color: var(--c-text-muted);
  border-top: 1px solid var(--c-gray-100);
  padding-top: .75rem;
  margin-top: auto;
  line-height: 1.4;
}
.prepay-card__footer svg { flex-shrink: 0; margin-top: .1rem; }

/* verdict */
.prepay-verdict { margin-bottom: 1.25rem; }
.prepay-verdict__inner {
  display: flex;
  align-items: flex-start;
  gap: .9rem;
  background: #fffbeb;
  border: 1px solid #fcd34d;
  border-radius: var(--radius-lg);
  padding: 1rem 1.25rem;
  font-size: .9rem;
  line-height: 1.55;
  color: var(--c-text);
}
.prepay-verdict__icon { font-size: 1.4rem; flex-shrink: 0; line-height: 1; }
.prepay-verdict__inner strong { color: var(--c-navy); }

/* Prepay strategy guide */
.prepay-guide {
  display: grid;
  gap: 1rem;
  margin-top: .5rem;
}
@media (min-width: 600px) {
  .prepay-guide { grid-template-columns: 1fr 1fr; }
}
.prepay-guide__item {
  display: flex;
  gap: .9rem;
  border-radius: var(--radius-lg);
  padding: 1.1rem 1.25rem;
  border: 1.5px solid;
  font-size: .875rem;
  line-height: 1.55;
}
.prepay-guide__item--term    { background: #f0fdf4; border-color: #86efac; }
.prepay-guide__item--payment { background: #eff6ff; border-color: #bfdbfe; }
.prepay-guide__icon { font-size: 1.5rem; flex-shrink: 0; line-height: 1; margin-top: .1rem; }
.prepay-guide__item strong { display: block; font-weight: 700; color: var(--c-navy); margin-bottom: .4rem; font-size: .9rem; }
.prepay-guide__item p { color: var(--c-text-muted); margin: 0 0 .4rem; }
.prepay-guide__item p:last-child { margin-bottom: 0; }
.prepay-guide__hint { font-size: .8rem !important; font-style: italic; }

/* ==========================================================================
   Prepay Promo Section (home page)
   ========================================================================== */
.prepay-promo-section {
  background: linear-gradient(160deg, #EBF4FF 0%, #DBEAFE 100%);
  padding: 3rem 0;
  border-top: 1px solid var(--c-border);
  border-bottom: 1px solid var(--c-border);
}

.prepay-promo {
  display: grid;
  gap: 2rem;
  align-items: center;
}

@media (min-width: 768px) {
  .prepay-promo {
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
  }
}

/* Left — text */
.prepay-promo__label {
  display: inline-block;
  background: rgba(0,87,231,.1);
  color: var(--c-primary);
  font-size: .75rem;
  font-weight: 600;
  letter-spacing: .07em;
  text-transform: uppercase;
  border-radius: 99px;
  padding: .3rem .85rem;
  margin-bottom: .9rem;
}

.prepay-promo__title {
  font-size: clamp(1.2rem, 3vw, 1.7rem);
  font-weight: 700;
  color: var(--c-navy);
  margin: 0 0 .85rem;
  line-height: 1.25;
}

.prepay-promo__text {
  font-size: .95rem;
  color: var(--c-text-muted);
  line-height: 1.6;
  margin: 0 0 1.5rem;
}

/* Right — vs widget */
.prepay-promo__right {
  display: flex;
  justify-content: center;
}

.prepay-promo__vs {
  display: flex;
  align-items: center;
  gap: 1rem;
  width: 100%;
  max-width: 360px;
}

.prepay-promo__option {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  border-radius: var(--radius-lg);
  padding: 1.25rem 1rem;
  gap: .25rem;
}

.prepay-promo__option--term {
  background: #fff;
  border: 1.5px solid var(--c-border);
  box-shadow: var(--shadow-sm);
}

.prepay-promo__option--payment {
  background: var(--c-gold-pale);
  border: 1.5px solid var(--c-gold);
}

.prepay-promo__opt-title {
  font-size: .8rem;
  font-weight: 600;
  color: var(--c-text-muted);
  text-transform: uppercase;
  letter-spacing: .05em;
}

.prepay-promo__opt-val {
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--c-navy);
  line-height: 1.15;
}

.prepay-promo__option--payment .prepay-promo__opt-val {
  color: var(--c-gold-dark);
}

.prepay-promo__opt-sub {
  font-size: .75rem;
  color: var(--c-text-muted);
  line-height: 1.3;
}

.prepay-promo__divider {
  font-size: .85rem;
  font-weight: 700;
  color: var(--c-text-muted);
  flex-shrink: 0;
  width: 2rem;
  text-align: center;
}

@media (max-width: 479px) {
  .prepay-promo__opt-val { font-size: 1.15rem; }
  .prepay-promo__option { padding: 1rem .75rem; }
}

/* ==========================================================================
   Score Entry Section
   ========================================================================== */
.score-entry-section {
  padding: var(--section-gap) 0;
  background: #fff;
  border-top: 1px solid var(--c-border);
}

.score-entry {
  display: grid;
  gap: 3rem;
  align-items: center;
}
@media (min-width: 768px) {
  .score-entry { grid-template-columns: 1fr 1fr; gap: 4rem; }
}

.score-entry__heading {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--c-navy);
  letter-spacing: -.02em;
  margin-bottom: 1.5rem;
}

/* Score levels */
.score-levels { display: flex; flex-direction: column; }

.score-level {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  padding: .9rem 1rem;
  border-radius: var(--radius-lg);
  margin-bottom: .4rem;
}
.score-level--low  { background: #FEF2F2; }
.score-level--mid  { background: #FFFBEB; }
.score-level--high { background: #F0FDF4; }

.score-level__bar {
  width: 3px;
  height: 44px;
  border-radius: 2px;
  flex-shrink: 0;
  margin-top: 2px;
}
.score-level--low  .score-level__bar { background: #ef4444; }
.score-level--mid  .score-level__bar { background: #f59e0b; }
.score-level--high .score-level__bar { background: #22c55e; }

.score-level__body { display: flex; flex-direction: column; gap: .3rem; }

.score-level__top {
  display: flex;
  align-items: baseline;
  gap: .65rem;
}
.score-level__name {
  font-size: .9rem;
  font-weight: 700;
  color: var(--c-navy);
}
.score-level--low  .score-level__name { color: #dc2626; }
.score-level--mid  .score-level__name { color: #d97706; }
.score-level--high .score-level__name { color: #16a34a; }

.score-level__range {
  font-size: .72rem;
  font-weight: 500;
  color: var(--c-text-muted);
}
.score-level__note {
  font-size: .8rem;
  font-weight: 500;
  color: var(--c-text);
  line-height: 1.4;
}

/* Action card */
.score-entry__card {
  background: var(--c-primary-light);
  border: 1.5px solid rgba(0,87,231,.15);
  border-radius: var(--radius-xl);
  padding: 2rem;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}
.score-entry__card-title {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--c-navy);
  margin: 0;
  letter-spacing: -.02em;
}
.score-entry__card-sub {
  font-size: .85rem;
  color: var(--c-text-muted);
  line-height: 1.65;
  margin: 0;
}
.score-entry__note {
  font-size: .72rem;
  color: var(--c-text-muted);
  text-align: center;
  margin: 0;
}

/* ==========================================================================
   Editorial Section
   ========================================================================== */
.editorial-section {
  background: var(--c-navy);
  padding: 4.5rem 0;
}

.editorial-section__inner {
  display: grid;
  grid-template-columns: 1fr;
  gap: 3rem;
  align-items: center;
}
@media (min-width: 900px) {
  .editorial-section__inner { grid-template-columns: 1fr auto; }
}

.editorial { max-width: 620px; }

/* Phone/device mockup in editorial */
.editorial__device { display: none; }
@media (min-width: 900px) {
  .editorial__device {
    display: flex;
    align-items: center;
    justify-content: center;
  }
}

.editorial-phone {
  background: #111827;
  border-radius: 32px;
  padding: 12px 8px 20px;
  width: 210px;
  box-shadow: 0 0 0 1.5px rgba(255,255,255,.12), 0 24px 64px rgba(0,0,0,.55), inset 0 0 0 1px rgba(255,255,255,.06);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
}
.editorial-phone__notch {
  width: 56px; height: 4px;
  background: rgba(255,255,255,.18);
  border-radius: 2px;
}
.editorial-phone__screen {
  background: #fff;
  border-radius: 20px;
  padding: 18px 14px 18px;
  width: 100%;
  min-height: 220px;
}
/* Credit profile inside editorial phone */
.ep-header {
  font-size: 7px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: #9ca3af;
  text-align: center;
  margin: 0 0 9px;
}
.ep-score-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 4px;
}
.ep-score-val {
  font-size: 22px;
  font-weight: 700;
  color: #0b2550;
  letter-spacing: -.5px;
  line-height: 1;
}
.ep-score-lvl {
  font-size: 7.5px;
  font-weight: 700;
  padding: 2px 7px;
  border-radius: 8px;
  background: rgba(251,191,36,.2);
  color: #92400e;
}
.ep-track {
  height: 7px;
  background: #f3f4f6;
  border-radius: 4px;
  overflow: hidden;
  margin-bottom: 11px;
}
.ep-track__fill {
  height: 100%;
  width: 62%;
  background: linear-gradient(90deg, #fca5a5 0%, #fde68a 45%, #6ee7b7 100%);
  border-radius: 4px;
}
.ep-factors { display: flex; flex-direction: column; gap: 5px; }
.ep-factor {
  display: flex;
  align-items: center;
  gap: 5px;
}
.ep-dot {
  width: 6px; height: 6px;
  border-radius: 50%;
  flex-shrink: 0;
}
.ep-dot--green  { background: #10b981; }
.ep-dot--yellow { background: #f59e0b; }
.ep-dot--red    { background: #ef4444; }
.ep-fname {
  font-size: 8px;
  color: #4b5563;
  flex: 1;
  line-height: 1;
}
.ep-bar {
  width: 42px; height: 4px;
  background: #e5e7eb;
  border-radius: 2px;
  overflow: hidden;
}
.ep-bar__fill { height: 100%; border-radius: 2px; }
.ep-dot--green  ~ .ep-bar .ep-bar__fill { background: #10b981; }
.ep-dot--yellow ~ .ep-bar .ep-bar__fill { background: #f59e0b; }
.ep-dot--red    ~ .ep-bar .ep-bar__fill { background: #ef4444; }
.editorial-phone__home {
  width: 36px; height: 3.5px;
  background: rgba(255,255,255,.25);
  border-radius: 2px;
}

.editorial__quote {
  font-size: clamp(1.5rem, 3.5vw, 2.4rem);
  font-weight: 700;
  line-height: 1.2;
  letter-spacing: -.03em;
  color: #fff;
  font-style: normal;
  margin: 0 0 1.5rem;
}
.editorial__quote em {
  font-style: normal;
  color: var(--c-gold);
}
.editorial__body {
  font-size: .9rem;
  color: rgba(255,255,255,.6);
  line-height: 1.8;
  margin: 0 0 1.75rem;
  max-width: 580px;
}
.editorial__link {
  font-size: .9rem;
  font-weight: 600;
  color: var(--c-gold);
  text-decoration: none;
  transition: opacity var(--t);
}
.editorial__link:hover { opacity: .8; text-decoration: none; }

/* ==========================================================================
   Knowledge Section
   ========================================================================== */
.knowledge-section {
  padding: var(--section-gap) 0;
  background: var(--c-bg-subtle);
}

.knowledge__heading {
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--c-navy);
  letter-spacing: -.02em;
  margin-bottom: 1.75rem;
}

.knowledge-grid {
  display: grid;
  gap: 1.25rem;
}
@media (min-width: 768px) {
  .knowledge-grid { grid-template-columns: 5fr 4fr; align-items: start; }
}

/* Large feature card */
.knowledge-feature {
  background: #EBF4FF;
  border: 1.5px solid rgba(0,87,231,.12);
  border-radius: var(--radius-xl);
  padding: 2rem;
  display: flex;
  flex-direction: column;
  gap: .85rem;
  text-decoration: none;
  transition: box-shadow var(--t), border-color var(--t);
  height: 100%;
}
.knowledge-feature:hover {
  box-shadow: var(--shadow-md);
  border-color: rgba(0,87,231,.25);
  text-decoration: none;
}
.knowledge-feature__tag {
  display: inline-block;
  font-size: .7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--c-primary);
  background: var(--c-primary-light);
  padding: .2rem .65rem;
  border-radius: 50px;
  width: fit-content;
}
.knowledge-feature__title {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--c-navy);
  line-height: 1.3;
  letter-spacing: -.02em;
  margin: 0;
}
.knowledge-feature__desc {
  font-size: .875rem;
  font-weight: 500;
  color: var(--c-text);
  line-height: 1.65;
  margin: 0;
  flex: 1;
}
.knowledge-feature__cta {
  font-size: .875rem;
  font-weight: 600;
  color: var(--c-primary);
  margin-top: auto;
}

/* Compact secondary items */
.knowledge-secondary {
  display: flex;
  flex-direction: column;
  gap: .6rem;
}

.knowledge-item {
  display: flex;
  flex-direction: column;
  gap: .2rem;
  padding: .9rem 1.1rem;
  background: #fff;
  border: 1.5px solid transparent;
  border-radius: var(--radius-lg);
  text-decoration: none;
  transition: box-shadow var(--t), transform var(--t);
}
.knowledge-item:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-1px);
  text-decoration: none;
}

/* Finuslugi-inspired pastel color-coding per topic */
.knowledge-item:nth-child(1) { background: #D4FFEA; }
.knowledge-item:nth-child(2) { background: #FEF3C7; }
.knowledge-item:nth-child(3) { background: #E0E7FF; }
.knowledge-item__title {
  font-size: .9rem;
  font-weight: 600;
  color: var(--c-navy);
  line-height: 1.3;
}
.knowledge-item__desc {
  font-size: .8rem;
  font-weight: 500;
  color: var(--c-text);
  line-height: 1.4;
}

.knowledge-all {
  display: block;
  padding: .75rem 1rem;
  text-align: center;
  font-size: .85rem;
  font-weight: 600;
  color: var(--c-primary);
  border: 1.5px dashed rgba(0,87,231,.3);
  border-radius: var(--radius-lg);
  text-decoration: none;
  transition: background var(--t);
}
.knowledge-all:hover { background: var(--c-primary-light); text-decoration: none; }

/* ==========================================================================
   Tools Section
   ========================================================================== */
.tools-section {
  padding: var(--section-gap) 0;
  background: var(--c-primary-light);
  border-top: 1px solid var(--c-border);
  border-bottom: 1px solid var(--c-border);
}

.tools-grid {
  display: grid;
  gap: 2.5rem;
  align-items: center;
}
@media (min-width: 640px) {
  .tools-grid { grid-template-columns: 1fr 1fr; }
}

.tools-main__label {
  font-size: .7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--c-primary);
  margin-bottom: .5rem;
}
.tools-main__title {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--c-navy);
  letter-spacing: -.025em;
  margin-bottom: .75rem;
}
.tools-main__desc {
  font-size: .9rem;
  color: var(--c-text-muted);
  line-height: 1.65;
  margin-bottom: 1.5rem;
}

.tools-preview__card {
  background: #fff;
  border: 1.5px solid var(--c-border);
  border-radius: var(--radius-lg);
  padding: 1.4rem 1.6rem;
  box-shadow: var(--shadow-md);
}
.tools-preview__params {
  display: flex;
  gap: 1.75rem;
  padding-bottom: .9rem;
  margin-bottom: .9rem;
  border-bottom: 1px solid var(--c-border);
}
.tools-preview__param {
  display: flex;
  flex-direction: column;
  gap: .1rem;
}
.tools-preview__param span {
  font-size: .7rem;
  color: var(--c-text-muted);
}
.tools-preview__param strong {
  font-size: .88rem;
  font-weight: 700;
  color: var(--c-navy);
}
.tools-preview__result {
  display: flex;
  flex-direction: column;
  gap: .2rem;
  padding-bottom: .9rem;
  margin-bottom: .85rem;
  border-bottom: 1px solid var(--c-border);
}
.tools-preview__result-label {
  font-size: .72rem;
  color: var(--c-text-muted);
}
.tools-preview__result-val {
  font-size: 1.5rem;
  font-weight: 900;
  color: var(--c-primary);
  letter-spacing: -.025em;
  line-height: 1.1;
}
.tools-preview__result-sub {
  font-size: .72rem;
  color: var(--c-text-muted);
}
.tools-preview__prepay {
  font-size: .78rem;
  color: var(--c-text-muted);
  line-height: 1.5;
}
.tools-preview__prepay strong {
  color: var(--c-navy);
  font-weight: 700;
}

/* ==========================================================================
   Icons — SVG sprite helpers
   ========================================================================== */

/* Base icon sizing utility */
.icon {
  display: inline-block;
  flex-shrink: 0;
  vertical-align: middle;
}

/* Knowledge feature card icon */
.knowledge-feature__icon {
  display: flex;
  color: var(--c-primary);
  margin-bottom: .25rem;
}

/* Knowledge item icon */
.knowledge-item__icon {
  display: flex;
  align-items: center;
  color: var(--c-navy);
  margin-bottom: .4rem;
  opacity: .8;
}
.knowledge-item:nth-child(1) .knowledge-item__icon { color: #16a34a; }
.knowledge-item:nth-child(2) .knowledge-item__icon { color: #b45309; }
.knowledge-item:nth-child(3) .knowledge-item__icon { color: #4f46e5; }

/* Tools section icon */
.tools-main__icon {
  display: inline-flex;
  color: var(--c-primary);
  vertical-align: middle;
  margin-right: .5rem;
  margin-top: -.1em;
}

/* Page hero icon (eyebrow) */
.page-hero__icon {
  display: inline-flex;
  color: var(--c-primary);
  vertical-align: middle;
  margin-right: .35rem;
  margin-top: -.1em;
  opacity: .85;
}

/* --------------------------------------------------------------------------
   Mission strip — visible on every page, above footer
   -------------------------------------------------------------------------- */
.mission-strip {
  background: var(--c-bg-subtle);
  border-top: 1px solid var(--c-border);
  padding: 1.25rem 0;
}
.mission-strip__inner {
  display: flex;
  align-items: flex-start;
  gap: .85rem;
  font-size: .8rem;
  font-weight: 500;
  color: var(--c-text);
  line-height: 1.65;
  max-width: 820px;
}
.mission-strip__inner p { margin: 0; }
.mission-strip__inner strong { color: var(--c-navy); }
.mission-strip__icon {
  flex-shrink: 0;
  margin-top: .15rem;
  color: var(--c-primary);
  opacity: .7;
}

/* ==========================================================================
   Cookie banner
   ========================================================================== */
.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 9999;
  background: var(--c-navy);
  color: #fff;
  padding: .85rem 0;
}
.cookie-banner__inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 1.25rem;
  display: flex;
  align-items: center;
  gap: 1.5rem;
  flex-wrap: wrap;
}
.cookie-banner__text {
  margin: 0;
  font-size: .85rem;
  line-height: 1.5;
  flex: 1;
  color: rgba(255,255,255,.9);
}
.cookie-banner__text a {
  color: var(--c-gold);
  text-decoration: underline;
}
.cookie-banner__btn {
  flex-shrink: 0;
  background: var(--c-gold);
  color: var(--c-navy);
  border: none;
  border-radius: 6px;
  padding: .5rem 1.25rem;
  font-size: .85rem;
  font-weight: 700;
  cursor: pointer;
  white-space: nowrap;
}
.cookie-banner__btn:hover { background: var(--c-gold-dark); }

/* ==========================================================================
   Reviews — public pages
   ========================================================================== */

/* ---- List page ---- */
.reviews-page { padding: 2.5rem 0 4rem; }

.reviews-list {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  margin-bottom: 3rem;
}

.review-card {
  background: #fff;
  border: 1px solid var(--c-border);
  border-radius: 12px;
  padding: 1.5rem;
}
.review-card__head {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 1rem;
  margin-bottom: .85rem;
  flex-wrap: wrap;
}
.review-card__org {
  display: flex;
  align-items: center;
  gap: .6rem;
}
.review-card__org-type {
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .05em;
  text-transform: uppercase;
  background: var(--c-primary-light);
  color: var(--c-primary);
  border-radius: 4px;
  padding: .2em .55em;
  flex-shrink: 0;
}
.review-card__org-type--mfo {
  background: #fef3c7;
  color: #92400e;
}
.review-card__org-name {
  font-weight: 700;
  color: var(--c-navy);
  font-size: 1rem;
}
.review-card__stars {
  display: flex;
  gap: .1em;
  font-size: 1.15rem;
  line-height: 1;
}
.review-star { color: var(--c-gray-200); }
.review-star--filled { color: var(--c-gold); }

.review-card__body {
  color: var(--c-text);
  line-height: 1.7;
  margin: 0 0 1rem;
  white-space: pre-line;
}
.review-card__foot {
  display: flex;
  align-items: center;
  gap: 1rem;
  font-size: .8rem;
  color: var(--c-text-muted);
}
.review-card__author { font-weight: 600; color: var(--c-text); }
.review-card__author--anon { font-style: italic; }
.review-card__date { margin-left: auto; }

.reviews-empty {
  text-align: center;
  padding: 3rem 0;
  color: var(--c-text-muted);
}
.reviews-empty p { margin-bottom: 1rem; font-size: 1.05rem; }

.reviews-cta {
  text-align: center;
  padding: 2rem 0;
  border-top: 1px solid var(--c-border);
  margin-top: 1rem;
}
.reviews-cta__note {
  margin-top: .6rem;
  font-size: .8rem;
  color: var(--c-text-muted);
}

/* ---- Form page ---- */
.review-form-page { padding: 2.5rem 0 4rem; }
.review-form-page__wrap {
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 2.5rem;
  align-items: start;
}
@media (max-width: 768px) {
  .review-form-page__wrap { grid-template-columns: 1fr; }
  .review-form-info { order: -1; }
}
.review-form-col { min-width: 0; }
.review-form-info { display: flex; flex-direction: column; gap: 1rem; }

/* ---- Form elements ---- */
.form-group { margin-bottom: 1.4rem; }
.form-label {
  display: block;
  font-size: .875rem;
  font-weight: 600;
  color: var(--c-navy);
  margin-bottom: .45rem;
}
.form-required { color: #e53e3e; margin-left: .15em; }
.form-optional { color: var(--c-text-muted); font-weight: 400; font-size: .8em; }
.form-input, .form-textarea, .form-select {
  display: block;
  width: 100%;
  padding: .65rem .875rem;
  font-family: var(--font);
  font-size: .95rem;
  color: var(--c-text);
  background: #fff;
  border: 1.5px solid var(--c-border);
  border-radius: 8px;
  transition: border-color .15s;
  box-sizing: border-box;
}
.form-input:focus, .form-textarea:focus, .form-select:focus {
  outline: none;
  border-color: var(--c-primary);
  box-shadow: 0 0 0 3px rgba(0,87,231,.1);
}
.form-textarea { resize: vertical; min-height: 140px; line-height: 1.6; }
.form-hint { margin: .35rem 0 0; font-size: .78rem; color: var(--c-text-muted); }

.form-radio-group {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}
.form-radio {
  display: flex;
  align-items: center;
  gap: .5rem;
  cursor: pointer;
  font-size: .95rem;
}
.form-radio input { accent-color: var(--c-primary); width: 16px; height: 16px; cursor: pointer; }

.form-checkbox {
  display: flex;
  align-items: flex-start;
  gap: .6rem;
  cursor: pointer;
  font-size: .875rem;
  line-height: 1.5;
}
.form-checkbox input { accent-color: var(--c-primary); width: 16px; height: 16px; flex-shrink: 0; margin-top: .1rem; cursor: pointer; }
.form-checkbox a { color: var(--c-primary); }

/* Star rating widget */
.star-rating {
  display: flex;
  flex-direction: row-reverse;
  gap: .15rem;
  width: fit-content;
}
.star-rating input[type="radio"] {
  position: absolute;
  opacity: 0;
  width: 0;
  height: 0;
}
.star-rating label {
  font-size: 2rem;
  color: var(--c-gray-200);
  cursor: pointer;
  transition: color .1s;
  line-height: 1;
}
.star-rating label:hover,
.star-rating label:hover ~ label,
.star-rating input:checked ~ label {
  color: var(--c-gold);
}

/* Form errors */
.form-errors {
  background: #fef2f2;
  border: 1px solid #fca5a5;
  border-radius: 8px;
  padding: 1rem 1.25rem;
  margin-bottom: 1.5rem;
}
.form-errors__title {
  font-weight: 600;
  color: #991b1b;
  margin: 0 0 .5rem;
  font-size: .9rem;
}
.form-errors ul {
  margin: 0;
  padding-left: 1.2rem;
  font-size: .875rem;
  color: #7f1d1d;
}
.form-errors li + li { margin-top: .25rem; }

/* ---- Thanks page ---- */
.thanks-page { padding: 5rem 0 6rem; }
.thanks-page__inner { max-width: 480px; margin: 0 auto; text-align: center; }
.thanks-icon {
  color: #16a34a;
  margin-bottom: 1.25rem;
}
.thanks-page__title { font-size: 2rem; font-weight: 800; color: var(--c-navy); margin-bottom: .75rem; }
.thanks-page__sub { color: var(--c-text-muted); font-size: 1.05rem; line-height: 1.7; margin-bottom: 2rem; }
.thanks-page__actions { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }

/* ==========================================================================
   Static pages (agreement, cookies policy)
   ========================================================================== */
.static-page { padding: 2.5rem 0 5rem; }
.static-page__inner { max-width: 760px; }

.prose h2 {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--c-navy);
  margin: 2rem 0 .75rem;
}
.prose p { margin: 0 0 1rem; line-height: 1.75; color: var(--c-text); }
.prose ul { padding-left: 1.4rem; margin: 0 0 1rem; }
.prose li { margin-bottom: .4rem; line-height: 1.7; color: var(--c-text); }
.prose a { color: var(--c-primary); }
.prose hr { border: none; border-top: 1px solid var(--c-border); margin: 2rem 0; }
.static-page__updated { color: var(--c-text-muted); font-size: .85rem; }

.cookie-table-wrap { overflow-x: auto; margin: 1rem 0 1.5rem; }
.cookie-table {
  width: 100%;
  border-collapse: collapse;
  font-size: .9rem;
}
.cookie-table th, .cookie-table td {
  padding: .65rem .9rem;
  text-align: left;
  border: 1px solid var(--c-border);
  vertical-align: top;
  line-height: 1.55;
}
.cookie-table th {
  background: var(--c-bg-subtle);
  font-weight: 600;
  color: var(--c-navy);
}

/* ==========================================================================
   Admin — reviews
   ========================================================================== */
.admin-status-tabs {
  display: flex;
  gap: .5rem;
  flex-wrap: wrap;
}
.admin-status-tab {
  padding: .4rem .9rem;
  border-radius: 6px;
  font-size: .85rem;
  font-weight: 500;
  color: var(--c-text-muted);
  background: var(--c-gray-100);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  transition: background .15s, color .15s;
}
.admin-status-tab:hover { background: var(--c-gray-200); color: var(--c-text); }
.admin-status-tab--active { background: var(--c-navy); color: #fff; }
.admin-status-tab--active:hover { background: var(--c-navy-2); color: #fff; }

.admin-status-tab__badge {
  background: rgba(0,0,0,.2);
  color: inherit;
  border-radius: 10px;
  padding: .05em .5em;
  font-size: .75rem;
  font-weight: 700;
}
.admin-status-tab--active .admin-status-tab__badge { background: rgba(255,255,255,.25); }
.admin-status-tab__badge--green { background: #d1fae5; color: #065f46; }
.admin-status-tab__badge--red   { background: #fee2e2; color: #991b1b; }

.review-admin-list {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  margin-top: 1rem;
}

.review-admin-card {
  background: #fff;
  border: 1px solid var(--c-border);
  border-radius: 8px;
  padding: 1rem 1.25rem;
}
.review-admin-card__head {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: .75rem;
}
.review-admin-card__meta {
  display: flex;
  align-items: center;
  gap: .75rem;
  flex-wrap: wrap;
  font-size: .85rem;
}
.review-admin-card__id { color: var(--c-text-muted); }
.review-admin-card__type {
  font-size: .7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .05em;
  background: var(--c-primary-light);
  color: var(--c-primary);
  border-radius: 4px;
  padding: .15em .5em;
}
.review-admin-card__type--mfo { background: #fef3c7; color: #92400e; }
.review-admin-card__org { color: var(--c-navy); }
.review-admin-card__rating { color: var(--c-gold); font-size: .95rem; }
.review-admin-card__date { color: var(--c-text-muted); }

.review-admin-card__status {
  font-size: .75rem;
  font-weight: 700;
  padding: .2em .6em;
  border-radius: 4px;
}
.review-admin-card__status--pending  { background: #fef3c7; color: #92400e; }
.review-admin-card__status--approved { background: #d1fae5; color: #065f46; }
.review-admin-card__status--rejected { background: #fee2e2; color: #991b1b; }

.review-admin-card__actions {
  display: flex;
  gap: .4rem;
  flex-wrap: wrap;
  flex-shrink: 0;
}

.review-admin-card__body {
  font-size: .9rem;
  line-height: 1.65;
  color: var(--c-text);
  margin: 0 0 .85rem;
  white-space: pre-line;
}
.review-admin-card__foot {
  display: flex;
  gap: 1.25rem;
  font-size: .78rem;
  color: var(--c-text-muted);
  flex-wrap: wrap;
  border-top: 1px solid var(--c-gray-100);
  padding-top: .6rem;
}
.review-admin-card__tech { font-family: monospace; font-size: .75rem; }
.review-admin-card__ua {
  max-width: 400px;
  overflow: hidden;
  text-overflow: ellipsis;
  white-space: nowrap;
}

/* Admin review form extras */
.admin-form__meta {
  display: flex;
  gap: 1.5rem;
  flex-wrap: wrap;
  font-size: .83rem;
  color: var(--c-text-muted);
  background: var(--c-bg-subtle);
  border-radius: 8px;
  padding: .75rem 1rem;
  margin-bottom: 1rem;
}
.admin-form__meta--ua { font-family: monospace; font-size: .75rem; }
.form-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 1rem;
}

/* btn-success / btn-warning for admin */
.btn-success {
  background: #16a34a;
  color: #fff;
  border: none;
  border-radius: 5px;
  padding: .3rem .75rem;
  font-size: .8rem;
  font-weight: 600;
  cursor: pointer;
  white-space: nowrap;
}
.btn-success:hover { background: #15803d; }
.btn-warning {
  background: #d97706;
  color: #fff;
  border: none;
  border-radius: 5px;
  padding: .3rem .75rem;
  font-size: .8rem;
  font-weight: 600;
  cursor: pointer;
  white-space: nowrap;
}
.btn-warning:hover { background: #b45309; }