/*
Theme Name:  JPJ Finance
Theme URI:   https://jpjfinance.com.au
Author:      JPJ Finance
Author URI:  https://jpjfinance.com.au
Description: Custom mortgage brokerage theme for JPJ Finance. Dark, modern design with Tailwind-inspired custom CSS, lender slider, news feed, and calculator pages.
Version:     1.0.0
License:     GNU General Public License v2 or later
License URI: http://www.gnu.org/licenses/gpl-2.0.html
Text Domain: jpj-finance
Tags:        finance, mortgage, dark, one-page, custom-menu, featured-images, translation-ready
*/

/* ============================================================
   DESIGN TOKENS
============================================================ */
:root {
  --accent:      #0077ff;
  --accent-dark: #004fbb;
  --dark:        #0b1220;
  --dark2:       #111827;
  --light:       #f9fafb;
  --muted:       #94a3b8;
  --border:      rgba(255,255,255,0.08);
  --card-bg:     rgba(255,255,255,0.05);
  --radius:      14px;
  --transition:  all 0.3s ease;

  --sp-xs:  8px;
  --sp-sm:  16px;
  --sp-md:  24px;
  --sp-lg:  32px;
  --sp-xl:  48px;
  --sp-2xl: 64px;
  --sp-3xl: 80px;
}

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

body {
  font-family: 'Inter', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  color: var(--light);
  background: linear-gradient(180deg, #0b1220 0%, #111827 100%);
  line-height: 1.65;
}

a { text-decoration: none; }

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

.container {
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 24px;
}

section { padding: var(--sp-3xl) 0; }
section.tight { padding: var(--sp-xl) 0; }

/* ============================================================
   TYPOGRAPHY
============================================================ */
.section-label {
  font-size: 12px;
  font-weight: 700;
  color: var(--accent);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 10px;
}

h1 { font-size: clamp(30px, 4vw, 42px); font-weight: 800; line-height: 1.2; }
h2 { font-size: clamp(22px, 3vw, 30px); font-weight: 800; line-height: 1.25; color: #fff; }
h3 { font-size: 17px; font-weight: 700; color: #fff; }

p.lead {
  color: var(--muted);
  font-size: 16px;
  line-height: 1.7;
}

.small { font-size: 13px; color: var(--muted); }

/* ============================================================
   HEADER
============================================================ */
#site-header {
  position: fixed;
  top: 0; left: 0;
  width: 100%;
  z-index: 999;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 18px 24px;
  border-bottom: 1px solid rgba(255,255,255,0.06);
  background: rgba(11,18,32,0.96);
  backdrop-filter: blur(10px);
  transition: var(--transition);
}

#site-header.shrink {
  padding: 12px 24px;
  box-shadow: 0 4px 20px rgba(0,0,0,0.3);
}

.brand {
  display: flex;
  align-items: center;
  gap: 12px;
}
.brand img {
  height: 60px;
  width: auto;
  border-radius: 8px;
}
.brand-text { display: flex; flex-direction: column; }
.brand-text strong { font-weight: 800; color: #fff; font-size: 15px; }
.brand-text span { font-size: 12px; color: var(--muted); }

/* Main nav */
#site-nav {
  display: flex;
  gap: 24px;
  align-items: center;
}

#site-nav > a,
#site-nav .nav-link {
  color: var(--light);
  font-weight: 600;
  font-size: 14px;
  transition: var(--transition);
}
#site-nav > a:hover,
#site-nav .nav-link:hover { color: var(--accent); }

/* WP nav menu overrides */
#site-nav ul.menu,
#site-nav .menu {
  display: flex;
  gap: 24px;
  align-items: center;
  list-style: none;
  margin: 0; padding: 0;
}
#site-nav .menu li a {
  color: var(--light);
  font-weight: 600;
  font-size: 14px;
  transition: var(--transition);
}
#site-nav .menu li a:hover { color: var(--accent); }
#site-nav .menu .current-menu-item > a { color: var(--accent); }

/* Dropdown */
.nav-dropdown { position: relative; }
.nav-dropdown > a {
  display: flex; align-items: center; gap: 4px;
  cursor: pointer; font-weight: 600; font-size: 14px;
  color: var(--light); transition: var(--transition);
}
.nav-dropdown > a:hover { color: var(--accent); }
.dropdown-menu {
  display: none;
  position: absolute;
  top: calc(100% + 14px);
  left: 50%;
  transform: translateX(-50%);
  background: rgba(11,18,32,0.98);
  border: 1px solid rgba(255,255,255,0.1);
  border-top: 2px solid var(--accent);
  border-radius: 10px;
  padding: 8px 0;
  min-width: 230px;
  box-shadow: 0 12px 36px rgba(0,0,0,0.5);
  backdrop-filter: blur(12px);
  z-index: 1000;
}
.nav-dropdown:hover .dropdown-menu { display: block; }
.nav-dropdown::after {
  content: '';
  position: absolute;
  top: 100%; left: -10px; right: -10px;
  height: 18px;
}
.dropdown-menu a {
  display: block;
  padding: 10px 20px;
  color: var(--light);
  font-size: 14px;
  font-weight: 500;
  white-space: nowrap;
  transition: var(--transition);
}
.dropdown-menu a:hover {
  color: var(--accent);
  background: rgba(255,255,255,0.05);
  padding-left: 26px;
}

/* WP sub-menu as dropdown */
#site-nav .menu li.menu-item-has-children { position: relative; }
#site-nav .menu li.menu-item-has-children > a::after { content: ' ▾'; }
#site-nav .menu li.menu-item-has-children .sub-menu {
  display: none;
  position: absolute;
  top: calc(100% + 14px);
  left: 50%;
  transform: translateX(-50%);
  background: rgba(11,18,32,0.98);
  border: 1px solid rgba(255,255,255,0.1);
  border-top: 2px solid var(--accent);
  border-radius: 10px;
  padding: 8px 0;
  min-width: 230px;
  box-shadow: 0 12px 36px rgba(0,0,0,0.5);
  backdrop-filter: blur(12px);
  z-index: 1000;
  list-style: none;
}
#site-nav .menu li.menu-item-has-children:hover .sub-menu { display: block; }
#site-nav .menu li.menu-item-has-children .sub-menu li a {
  display: block;
  padding: 10px 20px;
  color: var(--light);
  font-size: 14px;
  font-weight: 500;
  white-space: nowrap;
}
#site-nav .menu li.menu-item-has-children .sub-menu li a:hover {
  color: var(--accent);
  background: rgba(255,255,255,0.05);
  padding-left: 26px;
}

.header-cta {
  background: var(--accent);
  color: #fff;
  padding: 10px 22px;
  border-radius: 10px;
  font-weight: 700;
  font-size: 14px;
  white-space: nowrap;
  transition: var(--transition);
  display: inline-block;
}
.header-cta:hover {
  background: var(--accent-dark);
  transform: translateY(-1px);
  box-shadow: 0 6px 18px rgba(0,119,255,0.4);
}

/* Mobile nav toggle */
.menu-toggle {
  display: none;
  background: none;
  border: 1px solid var(--border);
  color: #fff;
  padding: 8px 12px;
  border-radius: 8px;
  font-size: 20px;
  cursor: pointer;
}

/* ============================================================
   BUTTONS
============================================================ */
.btn-primary {
  display: inline-block;
  background: #fff;
  color: var(--accent-dark);
  padding: 14px 28px;
  border-radius: 10px;
  font-weight: 700;
  font-size: 15px;
  transition: var(--transition);
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 6px 20px rgba(0,0,0,0.25); }

.btn-outline {
  display: inline-block;
  border: 2px solid rgba(255,255,255,0.5);
  color: #fff;
  padding: 13px 26px;
  border-radius: 10px;
  font-weight: 600;
  font-size: 15px;
  transition: var(--transition);
}
.btn-outline:hover { border-color: #fff; background: rgba(255,255,255,0.1); }

.btn-accent {
  display: inline-block;
  background: var(--accent);
  color: #fff;
  padding: 14px 28px;
  border-radius: 10px;
  font-weight: 700;
  font-size: 15px;
  transition: var(--transition);
}
.btn-accent:hover { background: var(--accent-dark); transform: translateY(-2px); box-shadow: 0 6px 20px rgba(0,119,255,0.4); }

/* ============================================================
   HERO
============================================================ */
.hero-section {
  padding-top: 140px;
  padding-bottom: var(--sp-3xl);
}

.hero {
  display: grid;
  grid-template-columns: 1fr 400px;
  gap: 48px;
  align-items: center;
}

.hero-card {
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: 0 8px 30px rgba(0,0,0,0.3);
  padding: 40px;
  backdrop-filter: blur(8px);
}

.hero-card h1 { margin-bottom: 14px; }
.hero-card .lead { margin-bottom: 24px; }

.mini-stats {
  display: grid;
  grid-template-columns: repeat(2,1fr);
  gap: 12px;
  margin-bottom: 20px;
}

.mini-stat {
  background: rgba(255,255,255,0.04);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 14px 16px;
}
.mini-stat strong { display: block; font-size: 14px; color: #fff; margin-bottom: 2px; }
.mini-stat span { font-size: 12px; color: var(--muted); }

.trust-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 18px;
}
.trust-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(0,119,255,0.1);
  border: 1px solid rgba(0,119,255,0.25);
  border-radius: 20px;
  padding: 5px 12px;
  font-size: 12px;
  font-weight: 600;
  color: #7db8ff;
}
.trust-badge::before { content: '✓'; color: var(--accent); }

.quote-card {
  background: linear-gradient(145deg, #0b74ff, var(--accent-dark));
  color: #fff;
  border-radius: var(--radius);
  padding: 36px 28px;
  text-align: center;
  box-shadow: 0 12px 32px rgba(0,79,187,0.4);
}
.quote-card h3 { font-size: 20px; margin-bottom: 10px; color: #fff; }
.quote-card p { font-size: 14px; color: rgba(255,255,255,0.8); margin-bottom: 20px; line-height: 1.6; }

/* ============================================================
   TRUST STRIP
============================================================ */
.trust-strip {
  background: rgba(255,255,255,0.03);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: var(--sp-lg) 0;
}

.trust-strip-inner {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 40px;
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 13px;
  font-weight: 600;
  color: var(--light);
  white-space: nowrap;
}
.trust-item .ti-icon {
  width: 32px; height: 32px;
  background: rgba(0,119,255,0.15);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-size: 16px;
}
.trust-divider {
  width: 1px; height: 28px;
  background: var(--border);
}

/* ============================================================
   SERVICES
============================================================ */
#services { text-align: center; }
#services .section-heading { margin-bottom: var(--sp-2xl); }

.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
  text-align: left;
}

.service-card {
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 24px;
  transition: var(--transition);
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.service-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 16px 40px rgba(0,0,0,0.3);
  border-color: rgba(0,119,255,0.3);
}

.service-icon-box {
  width: 56px; height: 56px;
  background: rgba(0,119,255,0.12);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 4px;
}
.service-icon-box img { height: 32px; width: auto; }

.service-card p { font-size: 14px; color: var(--muted); line-height: 1.6; flex: 1; }

.learn-more {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 13px;
  font-weight: 700;
  color: var(--accent);
  margin-top: 4px;
  transition: var(--transition);
}
.learn-more:hover { gap: 10px; }

/* ============================================================
   CTA BANNERS
============================================================ */
.cta-banner {
  background: linear-gradient(135deg, #0b74ff 0%, var(--accent-dark) 100%);
  border-radius: 20px;
  padding: 60px 48px;
  text-align: center;
}
.cta-banner h2 { font-size: clamp(20px, 2.5vw, 28px); margin-bottom: 12px; }
.cta-banner p { color: rgba(255,255,255,0.8); font-size: 16px; margin-bottom: 32px; max-width: 540px; margin-left: auto; margin-right: auto; }
.cta-banner .btn-row { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

.cta-banner-minimal {
  text-align: center;
  padding: var(--sp-2xl) var(--sp-lg);
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: 20px;
}
.cta-banner-minimal h2 { margin-bottom: 12px; }
.cta-banner-minimal p { color: var(--muted); font-size: 16px; margin-bottom: 28px; }

/* ============================================================
   HOW IT WORKS
============================================================ */
#process { text-align: center; }

.process-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: var(--sp-2xl);
  text-align: left;
}

.process-step {
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px 28px;
  position: relative;
  transition: var(--transition);
}
.process-step:hover {
  border-color: rgba(0,119,255,0.25);
  box-shadow: 0 10px 30px rgba(0,0,0,0.2);
}

.step-number {
  width: 44px; height: 44px;
  background: var(--accent);
  border-radius: 50%;
  font-size: 18px;
  font-weight: 800;
  color: #fff;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
}

.process-step p { font-size: 14px; color: var(--muted); line-height: 1.6; }

.process-step:not(:last-child)::after {
  content: '→';
  position: absolute;
  right: -20px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 20px;
  color: var(--accent);
  opacity: 0.5;
}

/* ============================================================
   ABOUT SECTION
============================================================ */
#about { border-top: 1px solid var(--border); }

.about-grid {
  display: grid;
  grid-template-columns: 1.4fr 0.9fr;
  gap: 48px;
  align-items: start;
}

#about h2 { margin-bottom: 20px; }
#about p { color: var(--muted); font-size: 15px; line-height: 1.7; margin-bottom: 14px; }

.learn-more-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 14px;
  font-weight: 700;
  color: var(--accent);
  margin-top: 8px;
  transition: var(--transition);
}
.learn-more-link:hover { gap: 10px; }

.broker-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  background: linear-gradient(180deg, #0b74ff 0%, var(--accent-dark) 100%);
  color: #fff;
  border-radius: 16px;
  padding: 28px 24px;
  box-shadow: 0 8px 28px rgba(0,79,187,0.35);
  text-align: center;
}

.broker-avatar {
  width: 80px; height: 80px;
  border-radius: 50%;
  background: rgba(255,255,255,0.15);
  color: #fff;
  font-size: 22px;
  font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 4px 16px rgba(0,0,0,0.25);
}

.broker-card .broker-name { font-weight: 800; font-size: 18px; }
.broker-card .broker-title { font-size: 13px; color: rgba(255,255,255,0.75); }
.broker-card .broker-id { font-size: 12px; color: rgba(255,255,255,0.55); }
.broker-card hr { border: none; border-top: 1px solid rgba(255,255,255,0.15); width: 100%; margin: 8px 0; }

/* ============================================================
   LENDER SLIDER
============================================================ */
#lenders {
  background: #ffffff;
  border-radius: var(--radius);
  margin: 0;
  padding: var(--sp-xl) 0;
  text-align: center;
  box-shadow: 0 4px 20px rgba(0,0,0,0.1);
}

#lenders .section-label { color: #0077ff; }
#lenders h2 { color: #0b1220; margin-bottom: 6px; }
#lenders .lenders-sub { color: #64748b; font-size: 14px; margin-bottom: 24px; }

.lender-slider { overflow: hidden; width: 100%; padding: 16px 0; }

.lender-track {
  display: flex;
  gap: 32px;
  width: max-content;
  animation: scrollLenders 40s linear infinite;
}

.lender-logo { height: 56px; width: auto; transition: all 0.3s ease; }
.lender-logo:hover { transform: scale(1.06); }

@keyframes scrollLenders {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* ============================================================
   NEWS SECTION
============================================================ */
#finance-news .news-intro { max-width: 600px; }

.news-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.news-tile {
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 26px 24px;
  display: flex;
  flex-direction: column;
  gap: 14px;
  transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
  cursor: pointer;
}
.news-tile:hover {
  transform: translateY(-5px) scale(1.012);
  box-shadow: 0 20px 48px rgba(0,119,255,0.18);
  border-color: rgba(0,119,255,0.4);
}

.news-tag {
  display: inline-block;
  background: rgba(0,119,255,0.14);
  color: var(--accent);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 4px 11px;
  border-radius: 20px;
  border: 1px solid rgba(0,119,255,0.28);
  width: fit-content;
}

.news-title {
  font-size: 15px;
  font-weight: 700;
  color: #fff;
  line-height: 1.45;
  display: -webkit-box;
  -webkit-line-clamp: 3;
  -webkit-box-orient: vertical;
  overflow: hidden;
}

.news-summary {
  font-size: 13.5px;
  color: var(--muted);
  line-height: 1.7;
  display: -webkit-box;
  -webkit-line-clamp: 3;
  -webkit-box-orient: vertical;
  overflow: hidden;
  flex: 1;
}

.news-meta {
  font-size: 12px;
  color: #64748b;
  display: flex;
  justify-content: space-between;
  align-items: center;
  border-top: 1px solid var(--border);
  padding-top: 12px;
  flex-wrap: wrap;
  gap: 8px;
}

.news-read-more {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  color: var(--accent);
  font-size: 13px;
  font-weight: 600;
  text-decoration: none;
  transition: gap 0.2s ease;
  white-space: nowrap;
}
.news-read-more:hover { gap: 9px; }

.news-skeleton {
  background: linear-gradient(90deg,
    rgba(255,255,255,0.04) 25%,
    rgba(255,255,255,0.09) 50%,
    rgba(255,255,255,0.04) 75%);
  background-size: 200% 100%;
  animation: shimmer 1.6s infinite;
  border-radius: 6px;
  height: 13px;
  margin-bottom: 6px;
}
.news-skeleton.tall  { height: 56px; }
.news-skeleton.short { width: 55%; }

@keyframes shimmer {
  0%   { background-position: 200% 0; }
  100% { background-position: -200% 0; }
}

/* ============================================================
   FOOTER
============================================================ */
#colophon {
  border-top: 1px solid var(--border);
  padding: var(--sp-3xl) 0 var(--sp-lg);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1.2fr;
  gap: 40px;
  margin-bottom: var(--sp-xl);
}

.footer-col h4 {
  font-weight: 700;
  color: #fff;
  font-size: 14px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-bottom: 18px;
}

.footer-col p { color: var(--muted); font-size: 14px; line-height: 1.7; margin-bottom: 12px; }
.footer-col a { color: var(--muted); font-size: 14px; display: block; margin-bottom: 8px; transition: var(--transition); }
.footer-col a:hover { color: var(--accent); padding-left: 4px; }
.footer-col strong { color: var(--light); }

.footer-apply-card {
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 28px 24px;
  text-align: center;
  box-shadow: 0 6px 20px rgba(0,0,0,0.2);
}
.footer-apply-card h4 { color: #fff; margin-bottom: 10px; font-size: 16px; text-transform: none; letter-spacing: 0; }
.footer-apply-card p { font-size: 13px; color: var(--muted); margin-bottom: 18px; }

.footer-bottom {
  border-top: 1px solid var(--border);
  padding-top: var(--sp-md);
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
}

/* ============================================================
   PAGE HERO (inner pages)
============================================================ */
.page-hero { padding-top: 130px; padding-bottom: 60px; }
.hero-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.breadcrumb { font-size: 13px; color: var(--muted); margin-bottom: 20px; }
.breadcrumb a { color: var(--accent); }
.breadcrumb span { margin: 0 8px; opacity: 0.4; }

/* ============================================================
   ABOUT PAGE SPECIFICS
============================================================ */
.about-intro-card {
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 36px;
  margin-top: 48px;
}
.about-intro-card p { color: var(--muted); font-size: 15px; line-height: 1.75; margin-bottom: 14px; }

.offer-list { list-style: none; display: flex; flex-direction: column; gap: 14px; margin-top: 24px; }
.offer-list li { display: flex; align-items: flex-start; gap: 14px; color: var(--muted); font-size: 15px; line-height: 1.65; }
.offer-list li::before {
  content: '';
  flex-shrink: 0;
  width: 20px; height: 20px;
  margin-top: 2px;
  border-radius: 50%;
  background: rgba(0,119,255,0.15);
  border: 2px solid var(--accent);
  display: inline-block;
}

/* ============================================================
   CALCULATOR PAGES
============================================================ */
.calc-hero { margin-top: 120px; padding: 60px 0 20px; text-align: center; }
.calc-hero .tag {
  display: inline-block;
  background: rgba(0,119,255,0.15);
  color: var(--accent);
  font-size: 13px;
  font-weight: 600;
  padding: 6px 14px;
  border-radius: 20px;
  margin-bottom: 16px;
  border: 1px solid rgba(0,119,255,0.3);
}
.calc-hero h1 { font-size: 36px; font-weight: 800; color: #fff; margin-bottom: 12px; }
.calc-hero p { color: var(--muted); font-size: 17px; max-width: 580px; margin: 0 auto; }

.calc-wrapper { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; margin-top: 48px; align-items: start; }
.calc-card { background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.1); border-radius: var(--radius); padding: 36px; }
.calc-card h2 { font-size: 17px; font-weight: 700; color: #fff; margin-bottom: 24px; padding-bottom: 14px; border-bottom: 1px solid rgba(255,255,255,0.08); }

.form-group { margin-bottom: 20px; }
.form-group label { display: block; font-size: 14px; font-weight: 600; color: #fff; margin-bottom: 6px; }
.form-hint { font-size: 12px; color: var(--muted); margin-top: 4px; }
.input-wrap { position: relative; }
.input-prefix { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--muted); font-size: 15px; pointer-events: none; }
.input-suffix { position: absolute; right: 14px; top: 50%; transform: translateY(-50%); color: var(--muted); font-size: 15px; pointer-events: none; }
.form-group input, .form-group select {
  width: 100%;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 8px;
  padding: 12px 16px;
  color: var(--light);
  font-size: 15px;
  font-family: inherit;
  transition: border-color 0.2s, box-shadow 0.2s;
  outline: none;
  appearance: none;
}
.has-prefix input { padding-left: 32px; }
.has-suffix input { padding-right: 36px; }
.form-group input:focus, .form-group select:focus { border-color: var(--accent); box-shadow: 0 0 0 3px rgba(0,119,255,0.15); }
.form-group input.error { border-color: #ff6b6b; }
.error-msg { color: #ff6b6b; font-size: 12px; margin-top: 4px; display: none; }
.error-msg.visible { display: block; }

.btn-calc {
  width: 100%;
  padding: 15px;
  background: var(--accent);
  color: #fff;
  border: none;
  border-radius: 10px;
  font-size: 16px;
  font-weight: 700;
  cursor: pointer;
  transition: var(--transition);
  font-family: inherit;
}
.btn-calc:hover { background: var(--accent-dark); transform: translateY(-1px); box-shadow: 0 6px 18px rgba(0,119,255,0.4); }

.btn-reset {
  width: 100%;
  padding: 12px;
  background: transparent;
  color: var(--muted);
  border: 1px solid var(--border);
  border-radius: 10px;
  font-size: 14px;
  cursor: pointer;
  margin-top: 10px;
  transition: var(--transition);
  font-family: inherit;
}
.btn-reset:hover { color: #fff; border-color: rgba(255,255,255,0.25); }

.placeholder-panel { text-align: center; padding: 48px 24px; }
.placeholder-icon { font-size: 48px; margin-bottom: 16px; opacity: 0.4; }
.placeholder-panel h3 { color: var(--muted); font-size: 16px; font-weight: 500; }

.results-card { display: none; }
.results-card.visible { display: block; }
.result-item { display: flex; justify-content: space-between; align-items: center; padding: 14px 0; border-bottom: 1px solid var(--border); }
.result-item:last-child { border-bottom: none; }
.result-label { color: var(--muted); font-size: 14px; }
.result-value { font-weight: 700; color: #fff; font-size: 15px; }
.result-highlight { background: rgba(0,119,255,0.1); border: 1px solid rgba(0,119,255,0.25); border-radius: 10px; padding: 20px; margin-top: 20px; text-align: center; }
.result-highlight .amount { font-size: 32px; font-weight: 800; color: var(--accent); }
.result-highlight .label { font-size: 13px; color: var(--muted); margin-top: 4px; }

/* ============================================================
   HIGHLIGHT ANIMATION
============================================================ */
.highlight { animation: glow 1.5s ease-in-out 2; }
@keyframes glow {
  0%   { box-shadow: 0 0 0 rgba(11,116,255,0); transform: scale(1); }
  50%  { box-shadow: 0 0 28px rgba(11,116,255,0.6); transform: scale(1.02); }
  100% { box-shadow: 0 0 0 rgba(11,116,255,0); transform: scale(1); }
}

/* ============================================================
   RESPONSIVE
============================================================ */
@media (max-width: 1000px) {
  .hero { grid-template-columns: 1fr; }
  .quote-card { text-align: center; }
  .process-grid { grid-template-columns: 1fr; }
  .process-step::after { display: none; }
  .about-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .calc-wrapper { grid-template-columns: 1fr; }
  .hero-grid { grid-template-columns: 1fr; }
}

@media (max-width: 900px) {
  .news-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 700px) {
  #site-nav { display: none; }
  #site-nav.nav-open { display: flex; flex-direction: column; position: fixed; top: 90px; left: 0; right: 0; background: rgba(11,18,32,0.98); padding: 24px; border-bottom: 1px solid var(--border); z-index: 998; gap: 16px; }
  .menu-toggle { display: block; }
  .trust-strip-inner { gap: 20px; }
  .trust-divider { display: none; }
  .services-grid { grid-template-columns: 1fr; }
  .cta-banner { padding: 40px 24px; }
  .footer-grid { grid-template-columns: 1fr; }
  .news-grid { grid-template-columns: 1fr; }
}

/* ============================================================
   WP CORE ALIGNMENT & MISC
============================================================ */
.wp-caption { max-width: 100%; }
.alignleft { float: left; margin: 0 1.5em 1em 0; }
.alignright { float: right; margin: 0 0 1em 1.5em; }
.aligncenter { display: block; margin: 0 auto 1em; }
.screen-reader-text { clip: rect(1px, 1px, 1px, 1px); height: 1px; overflow: hidden; position: absolute; width: 1px; }