/* ============================================================
   Finance Calculator — Complete Design System
   Inspired by Ramp.com | Light Mode Only | No Purple
   ============================================================ */

/* ─── Google Fonts ─────────────────────────────────────────── */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&display=swap');

/* ─── 1. CSS Custom Properties ─────────────────────────────── */
:root {
  /* Colors */
  --fc-primary:       #0f172a;
  --fc-secondary:     #475569;
  --fc-muted:         #94a3b8;
  --fc-accent:        #059669;
  --fc-accent-hover:  #047857;
  --fc-accent-light:  #ecfdf5;
  --fc-bg:            #ffffff;
  --fc-bg-secondary:  #f8fafc;
  --fc-bg-tertiary:   #f1f5f9;
  --fc-border:        #e2e8f0;
  --fc-border-input:  #cbd5e1;
  --fc-error:         #dc2626;
  --fc-error-light:   #fef2f2;

  /* Shadows */
  --fc-shadow-sm:  0 1px 2px rgba(0, 0, 0, 0.05);
  --fc-shadow:     0 1px 3px rgba(0, 0, 0, 0.08), 0 1px 2px rgba(0, 0, 0, 0.04);
  --fc-shadow-md:  0 4px 6px rgba(0, 0, 0, 0.07), 0 2px 4px rgba(0, 0, 0, 0.04);
  --fc-shadow-lg:  0 10px 15px -3px rgba(0, 0, 0, 0.08), 0 4px 6px rgba(0, 0, 0, 0.04);
  --fc-shadow-xl:  0 20px 25px -5px rgba(0, 0, 0, 0.08), 0 8px 10px rgba(0, 0, 0, 0.04);

  /* Radii */
  --fc-radius-sm:   8px;
  --fc-radius:      12px;
  --fc-radius-lg:   16px;
  --fc-radius-xl:   20px;
  --fc-radius-pill:  9999px;

  /* Layout */
  --fc-max-width:      1200px;
  --fc-sidebar-width:  340px;

  /* Transitions */
  --fc-transition:      0.2s ease;
  --fc-transition-fast: 0.15s ease;
}

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

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
  text-size-adjust: 100%;
}

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto,
               Oxygen, Ubuntu, Cantarell, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  color: var(--fc-primary);
  background-color: var(--fc-bg);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

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

a {
  color: inherit;
  text-decoration: none;
}

ul, ol {
  list-style: none;
}

button,
input,
select,
textarea {
  font-family: inherit;
  font-size: inherit;
  line-height: inherit;
  color: inherit;
}

table {
  border-collapse: collapse;
  width: 100%;
}

/* ─── 3. Typography ───────────────────────────────────────── */
h1, h2, h3, h4, h5, h6 {
  line-height: 1.25;
  color: var(--fc-primary);
}

h1 {
  font-size: 2.5rem;
  font-weight: 700;
  letter-spacing: -0.025em;
}

h2 {
  font-size: 2rem;
  font-weight: 600;
  letter-spacing: -0.02em;
}

h3 {
  font-size: 1.5rem;
  font-weight: 600;
  letter-spacing: -0.015em;
}

h4 {
  font-size: 1.25rem;
  font-weight: 600;
}

p {
  margin-bottom: 1rem;
  color: var(--fc-secondary);
}

.fc-text-sm   { font-size: 0.875rem; line-height: 1.5; }
.fc-text-lg   { font-size: 1.125rem; line-height: 1.6; }
.fc-text-xl   { font-size: 1.25rem;  line-height: 1.5; }

.fc-text-muted     { color: var(--fc-muted); }
.fc-text-secondary { color: var(--fc-secondary); }
.fc-text-accent    { color: var(--fc-accent); }

.fc-label {
  display: block;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--fc-primary);
  margin-bottom: 6px;
}

.fc-label-hint {
  font-size: 0.8125rem;
  color: var(--fc-muted);
  font-weight: 400;
  margin-left: 4px;
}

/* ─── 4. Layout ────────────────────────────────────────────── */
.fc-container {
  width: 100%;
  max-width: var(--fc-max-width);
  margin-left: auto;
  margin-right: auto;
  padding-left: 24px;
  padding-right: 24px;
}

.fc-container--wide {
  max-width: 100%;
  padding-left: 48px;
  padding-right: 48px;
}

.fc-grid {
  display: grid;
  gap: 24px;
}

.fc-grid-2 { grid-template-columns: repeat(2, 1fr); }
.fc-grid-3 { grid-template-columns: repeat(3, 1fr); }
.fc-grid-4 { grid-template-columns: repeat(4, 1fr); }

.fc-flex {
  display: flex;
}

.fc-flex-center {
  display: flex;
  align-items: center;
  justify-content: center;
}

.fc-flex-between {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.fc-flex-col {
  display: flex;
  flex-direction: column;
}

.fc-flex-wrap {
  flex-wrap: wrap;
}

.fc-gap-1 { gap: 8px; }
.fc-gap-2 { gap: 16px; }
.fc-gap-3 { gap: 24px; }
.fc-gap-4 { gap: 32px; }

.fc-main-grid {
  display: grid;
  grid-template-columns: 1fr var(--fc-sidebar-width);
  gap: 40px;
  align-items: start;
}

.fc-section {
  padding-top: 64px;
  padding-bottom: 64px;
}

.fc-section--sm {
  padding-top: 40px;
  padding-bottom: 40px;
}

/* ─── 5. Header / Navigation ──────────────────────────────── */
.fc-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--fc-border);
  height: 68px;
  display: flex;
  align-items: center;
  transition: box-shadow var(--fc-transition);
}

.fc-header--scrolled {
  box-shadow: var(--fc-shadow-md);
}

.fc-header .fc-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.fc-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
}

/* Logo — matches HTML class .fc-header__logo */
.fc-header__logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 1.82rem;
  font-weight: 400;
  color: var(--fc-primary);
  text-decoration: none;
  letter-spacing: -0.02em;
  flex-shrink: 0;
}

.fc-header__logo svg {
  width: 36px;
  height: 36px;
  flex-shrink: 0;
}

.fc-header__logo span {
  color: var(--fc-primary);
}

.fc-header__logo strong {
  font-weight: 800;
}

/* Desktop Nav — matches HTML class .fc-header__nav */
.fc-header__nav {
  display: flex;
  align-items: center;
  gap: 4px;
}

.fc-header__link {
  padding: 8px 16px;
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--fc-secondary);
  border-radius: var(--fc-radius-sm);
  transition: color var(--fc-transition-fast), background var(--fc-transition-fast);
  text-decoration: none;
  white-space: nowrap;
}

.fc-header__link:hover {
  color: var(--fc-accent);
  background: var(--fc-accent-light);
}

.fc-header__link--all {
  color: var(--fc-accent);
  font-weight: 600;
}

/* ─── Mega Dropdown ────────────────────────────────────── */
.fc-header__dropdown {
  position: relative;
}

.fc-header__dropdown-btn {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  background: none;
  border: none;
  cursor: pointer;
  font-family: inherit;
}

.fc-header__dropdown-btn svg {
  transition: transform 0.2s;
}

.fc-header__dropdown.is-open .fc-header__dropdown-btn svg {
  transform: rotate(180deg);
}

.fc-header__mega {
  position: absolute;
  top: calc(100% + 12px);
  left: 50%;
  transform: translateX(-50%);
  background: #fff;
  border: 1px solid #e5e7eb;
  border-radius: 16px;
  box-shadow: 0 20px 48px rgba(0,0,0,0.12), 0 4px 12px rgba(0,0,0,0.06);
  padding: 24px 28px 16px;
  display: none;
  flex-direction: column;
  min-width: 720px;
  z-index: 200;
}

.fc-header__dropdown.is-open .fc-header__mega {
  display: flex;
}

.fc-header__mega-grid--categories {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 0;
}

.fc-header__mega-grid--categories .fc-header__mega-item {
  border-bottom: 1px dashed #e2e8f0;
}

.fc-header__mega-grid--categories .fc-header__mega-item:nth-last-child(-n+3) {
  border-bottom: none;
}

.fc-header__mega-item {
  display: flex;
  flex-direction: column;
  padding: 12px 14px;
  border-radius: 10px;
  text-decoration: none;
  transition: background 0.15s;
}

.fc-header__mega-item:hover {
  background: #f0fdf4;
}

.fc-header__mega-name {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--fc-primary);
  line-height: 1.3;
}

.fc-header__mega-item:hover .fc-header__mega-name {
  color: var(--fc-accent);
}

.fc-header__mega-desc {
  font-size: 0.8125rem;
  color: var(--fc-secondary);
  line-height: 1.4;
  margin-top: 2px;
}

.fc-header__mega-footer {
  border-top: 1px solid #f1f5f9;
  padding-top: 14px;
  margin-top: 10px;
}

.fc-header__mega-all {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--fc-accent);
  text-decoration: none;
  padding: 6px 0;
}

.fc-header__mega-all:hover {
  text-decoration: underline;
}

/* Mobile menu labels */
.fc-mobile-menu__label {
  font-size: 0.6875rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--fc-muted);
  padding: 8px 0 4px;
}

/* Hamburger — HIDDEN on desktop */
.fc-header__burger {
  display: none;
  background: none;
  border: none;
  padding: 8px;
  cursor: pointer;
  color: var(--fc-primary);
}

.fc-header__burger svg {
  display: block;
}

/* Mobile slide-in menu — HIDDEN by default */
.fc-mobile-menu {
  display: none;
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  z-index: 2000;
}

.fc-mobile-menu--open {
  display: block;
}

.fc-mobile-menu__overlay {
  position: absolute;
  inset: 0;
  background: rgba(0, 0, 0, 0.4);
}

.fc-mobile-menu__panel {
  position: absolute;
  top: 0;
  right: 0;
  width: 300px;
  height: 100%;
  background: var(--fc-bg);
  box-shadow: var(--fc-shadow-xl);
  padding: 0;
  overflow-y: auto;
  transform: translateX(100%);
  transition: transform 0.3s ease;
}

.fc-mobile-menu--open .fc-mobile-menu__panel {
  transform: translateX(0);
}

.fc-mobile-menu__header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 20px;
  border-bottom: 1px solid var(--fc-border);
}

.fc-mobile-menu__title {
  font-weight: 600;
  font-size: 1.0625rem;
}

.fc-mobile-menu__close {
  background: none;
  border: none;
  padding: 4px;
  cursor: pointer;
  color: var(--fc-secondary);
}

.fc-mobile-menu__close svg {
  display: block;
}

.fc-mobile-menu__nav {
  display: flex;
  flex-direction: column;
  padding: 12px 0;
}

.fc-mobile-menu__link {
  display: block;
  padding: 14px 20px;
  font-size: 1rem;
  font-weight: 500;
  color: var(--fc-primary);
  text-decoration: none;
  transition: background var(--fc-transition-fast);
}

.fc-mobile-menu__link:hover {
  background: var(--fc-bg-secondary);
}

.fc-mobile-menu__divider {
  height: 1px;
  background: var(--fc-border);
  margin: 8px 20px;
}

/* ─── 6. Hero Section — Dark Split Layout (Ramp-style) ────── */
.fc-hero-dark {
  background: #0b0f1a url('../img/hero.png') center center / cover no-repeat;
  padding: 80px 0 100px;
  position: relative;
  overflow: hidden;
}

.fc-hero-dark::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(to right, rgba(11,15,26,0.85) 0%, rgba(11,15,26,0.5) 50%, rgba(11,15,26,0.3) 100%);
  pointer-events: none;
}

.fc-hero-dark__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 64px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.fc-hero-dark__copy {
  max-width: 640px;
}

.fc-hero-dark__trust {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8125rem;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.5);
  margin-bottom: 28px;
  padding: 6px 14px 6px 10px;
  background: rgba(255, 255, 255, 0.06);
  border-radius: var(--fc-radius-pill);
  border: 1px solid rgba(255, 255, 255, 0.08);
}

.fc-hero-dark__trust svg {
  flex-shrink: 0;
}

.fc-hero-dark__title {
  font-size: 3.5rem;
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -0.03em;
  color: #fff;
  margin-bottom: 24px;
}

.fc-hero-dark__accent {
  color: #34d399;
}

.fc-hero-dark__subtitle {
  font-size: 1.125rem;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 36px;
  max-width: 480px;
}

.fc-hero-dark__actions {
  display: flex;
  align-items: center;
  gap: 24px;
}

.fc-hero-dark__cta {
  display: inline-flex;
  align-items: center;
  height: 52px;
  padding: 0 32px;
  background: var(--fc-accent);
  color: #fff;
  font-size: 0.9375rem;
  font-weight: 600;
  border-radius: var(--fc-radius-sm);
  text-decoration: none;
  transition: background 0.2s, transform 0.15s;
}

.fc-hero-dark__cta:hover {
  background: var(--fc-accent-hover);
  transform: translateY(-1px);
}

.fc-hero-dark__link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.9375rem;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.6);
  text-decoration: none;
  transition: color 0.2s;
}

.fc-hero-dark__link:hover {
  color: #fff;
}

.fc-hero-dark__link svg {
  transition: transform 0.2s;
}

.fc-hero-dark__link:hover svg {
  transform: translateX(3px);
}

/* Right — mockup card */
.fc-hero-dark__visual {
  display: flex;
  justify-content: flex-end;
}

.fc-mockup {
  width: 420px;
  background: #131827;
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 16px;
  overflow: hidden;
  box-shadow:
    0 24px 80px rgba(0, 0, 0, 0.4),
    0 8px 24px rgba(0, 0, 0, 0.3);
}

.fc-mockup__header {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 14px 20px;
  background: rgba(255, 255, 255, 0.03);
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
}

.fc-mockup__dots {
  display: flex;
  gap: 6px;
}

.fc-mockup__dots span {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.15);
}

.fc-mockup__dots span:first-child { background: #ef4444; }
.fc-mockup__dots span:nth-child(2) { background: #f59e0b; }
.fc-mockup__dots span:nth-child(3) { background: #22c55e; }

.fc-mockup__tab {
  font-size: 0.75rem;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.5);
  letter-spacing: 0.01em;
}

.fc-mockup__body {
  padding: 28px 24px;
}

.fc-mockup__result {
  text-align: center;
  margin-bottom: 28px;
}

.fc-mockup__label {
  display: block;
  font-size: 0.75rem;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.4);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 8px;
}

.fc-mockup__value {
  font-size: 2.75rem;
  font-weight: 800;
  color: #fff;
  letter-spacing: -0.03em;
}

.fc-mockup__sub {
  font-size: 1rem;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.35);
}

.fc-mockup__breakdown {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 24px;
}

.fc-mockup__item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.8125rem;
}

.fc-mockup__item-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  flex-shrink: 0;
}

.fc-mockup__item-label {
  flex: 1;
  color: rgba(255, 255, 255, 0.5);
}

.fc-mockup__item-val {
  font-weight: 600;
  color: rgba(255, 255, 255, 0.8);
  font-variant-numeric: tabular-nums;
}

.fc-mockup__chart {
  display: flex;
  justify-content: center;
  margin-bottom: 24px;
}

.fc-mockup__pie {
  width: 140px;
  height: 140px;
}

.fc-mockup__ai {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 0.75rem;
  color: rgba(255, 255, 255, 0.45);
  line-height: 1.5;
  padding: 12px 14px;
  background: rgba(5, 150, 105, 0.08);
  border: 1px solid rgba(5, 150, 105, 0.15);
  border-radius: var(--fc-radius-sm);
}

.fc-mockup__ai-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--fc-accent);
  flex-shrink: 0;
  margin-top: 4px;
}

/* ─── Stats bar ──────────────────────────────────────────── */
.fc-stats-bar {
  padding: 40px 0;
  border-bottom: 1px solid var(--fc-border);
}

.fc-stats-bar__grid {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 48px;
}

.fc-stats-bar__item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
}

.fc-stats-bar__number {
  font-size: 1.75rem;
  font-weight: 800;
  color: var(--fc-primary);
  letter-spacing: -0.02em;
}

.fc-stats-bar__label {
  font-size: 0.8125rem;
  color: var(--fc-muted);
  font-weight: 500;
}

.fc-stats-bar__divider {
  width: 1px;
  height: 40px;
  background: var(--fc-border);
}

/* ─── Search (inline variant for calc grid) ──────────────── */
.fc-search {
  position: relative;
}

.fc-search__icon {
  position: absolute;
  left: 16px;
  top: 50%;
  transform: translateY(-50%);
  pointer-events: none;
  display: block;
}

.fc-search__input {
  width: 100%;
  height: 48px;
  padding: 0 20px 0 44px;
  border: 1.5px solid #b0b8c4;
  border-radius: var(--fc-radius-sm);
  background: var(--fc-bg);
  font-size: 0.9375rem;
  outline: 0;
  box-shadow: 0 2px 6px rgba(0,0,0,0.08);
  -webkit-appearance: none;
  appearance: none;
  transition: border-color var(--fc-transition);
}

.fc-search__input:focus {
  border-color: var(--fc-accent);
  outline: 0;
  box-shadow: none;
}

.fc-search__input::placeholder {
  color: var(--fc-muted);
}

.fc-search--inline {
  max-width: 360px;
  margin-bottom: 28px;
}

.fc-search__input--sm {
  height: 42px;
  font-size: 0.875rem;
}

/* ─── Search Dropdown ────────────────────────────────────── */
.fc-search-dropdown {
  position: absolute;
  top: 100%;
  left: 0;
  right: 0;
  margin-top: -1px;
  background: #fff;
  border: 1px solid var(--fc-accent);
  border-top: none;
  border-radius: 0 0 12px 12px;
  box-shadow: 0 8px 24px rgba(0,0,0,0.12);
  max-height: 360px;
  overflow-y: auto;
  z-index: 100;
  display: none;
}
.fc-search-dropdown.is-open {
  display: block;
}
.fc-search.is-dropdown-open .fc-search__input,
.fc-search.is-dropdown-open .fc-search__input:focus {
  border-bottom-left-radius: 0;
  border-bottom-right-radius: 0;
  border-bottom-color: transparent;
  box-shadow: none;
}
.fc-search-dropdown__item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px 16px;
  text-decoration: none;
  color: var(--fc-primary);
  transition: background 0.15s;
  border-bottom: 1px solid #f1f5f9;
}
.fc-search-dropdown__item:last-child {
  border-bottom: none;
}
.fc-search-dropdown__item:hover,
.fc-search-dropdown__item.is-active {
  background: #f0fdf4;
}
.fc-search-dropdown__title {
  font-size: 0.9375rem;
  font-weight: 600;
  color: #059669;
}
.fc-search-dropdown__cat {
  font-size: 0.75rem;
  color: var(--fc-muted);
  margin-left: auto;
  white-space: nowrap;
}
.fc-search-dropdown__empty {
  padding: 16px;
  text-align: center;
  color: var(--fc-muted);
  font-size: 0.875rem;
}

/* ─── Section Headers ────────────────────────────────────── */
.fc-section__header {
  text-align: center;
  margin-bottom: 48px;
}

.fc-section__title {
  font-size: 2rem;
  font-weight: 700;
  color: var(--fc-primary);
  letter-spacing: -0.02em;
  margin-bottom: 8px;
}

.fc-section__subtitle {
  font-size: 1.0625rem;
  color: var(--fc-secondary);
  margin-bottom: 0;
}

.fc-section--alt {
  background: var(--fc-bg-secondary);
}

/* ─── Category Pills ─────────────────────────────────────── */
.fc-pills {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 32px;
  flex-wrap: wrap;
}

.fc-pill {
  padding: 8px 20px;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--fc-secondary);
  background: var(--fc-bg);
  border: 1px solid var(--fc-border);
  border-radius: var(--fc-radius-pill);
  cursor: pointer;
  transition: all var(--fc-transition-fast);
  white-space: nowrap;
}

.fc-pill:hover {
  border-color: var(--fc-accent);
  color: var(--fc-accent);
}

.fc-pill--active {
  background: var(--fc-primary);
  color: #fff;
  border-color: var(--fc-primary);
}

.fc-pill--active:hover {
  background: var(--fc-primary);
  color: #fff;
  border-color: var(--fc-primary);
}

/* ─── 7. Calculator Directory (Homepage) ─────────────────── */
.fc-cat-group {
  margin-bottom: 44px;
}

.fc-cat-group:last-child {
  margin-bottom: 0;
}

.fc-cat-group__header {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 16px;
}

.fc-cat-group__icon {
  width: 30px;
  height: 30px;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.fc-cat-group__icon svg {
  width: 16px;
  height: 16px;
}

.fc-cat-group__title {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--fc-primary);
}

.fc-cat-group__count {
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--fc-primary);
}

/* Grid — 4 columns */
.fc-calc-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 8px;
}

/* Card — subtle border, green title, arrow on hover */
.fc-calc-card {
  background: #fff;
  border: 1px solid #e2e8f0;
  border-radius: 10px;
  padding: 14px 16px;
  text-decoration: none;
  display: flex;
  align-items: flex-start;
  gap: 12px;
  transition: all 0.2s ease;
  cursor: pointer;
  box-shadow: 0 2px 6px rgba(0,0,0,0.1);
}

.fc-calc-card:hover {
  background: #f8fafc;
  border-color: #cbd5e1;
  box-shadow: 0 6px 16px rgba(0,0,0,0.14);
}

.fc-calc-card__icon {
  display: none;
}

.fc-calc-card__body {
  flex: 1;
  min-width: 0;
}

.fc-calc-card__title {
  font-size: 1rem;
  font-weight: 600;
  color: #059669;
  line-height: 1.35;
}

.fc-calc-card:hover .fc-calc-card__title {
  color: #047857;
}

.fc-calc-card__desc {
  font-size: 0.875rem;
  color: var(--fc-primary);
  line-height: 1.45;
  margin-top: 3px;
  display: -webkit-box;
  -webkit-line-clamp: 2;
  -webkit-box-orient: vertical;
  overflow: hidden;
}

.fc-calc-card__arrow {
  flex-shrink: 0;
  margin-top: 2px;
  color: #059669;
  opacity: 0;
  transition: all 0.2s ease;
  display: flex;
  align-items: center;
}

.fc-calc-card:hover .fc-calc-card__arrow {
  opacity: 1;
  color: var(--fc-accent);
}

.fc-calc-card__arrow svg {
  width: 16px;
  height: 16px;
}


/* ─── Features Grid (Why Choose Us) ──────────────────────── */
.fc-features {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
}

.fc-feature {
  text-align: center;
}

.fc-feature__icon {
  width: 56px;
  height: 56px;
  border-radius: var(--fc-radius);
  background: var(--fc-accent-light);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
}

.fc-feature__icon svg {
  display: block;
}

.fc-feature__title {
  font-size: 1.125rem;
  font-weight: 600;
  margin-bottom: 8px;
  color: var(--fc-primary);
}

.fc-feature__text {
  font-size: 0.9375rem;
  color: var(--fc-secondary);
  line-height: 1.6;
  margin-bottom: 0;
}

/* ─── Steps (How It Works) ───────────────────────────────── */
.fc-steps {
  display: flex;
  align-items: flex-start;
  justify-content: center;
  gap: 16px;
}

.fc-step {
  text-align: center;
  flex: 1;
  max-width: 280px;
}

.fc-step__number {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--fc-primary);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  font-weight: 700;
  margin: 0 auto 16px;
}

.fc-step__title {
  font-size: 1.0625rem;
  font-weight: 600;
  margin-bottom: 8px;
  color: var(--fc-primary);
}

.fc-step__text {
  font-size: 0.9375rem;
  color: var(--fc-secondary);
  line-height: 1.55;
  margin-bottom: 0;
}

.fc-step__connector {
  display: flex;
  align-items: center;
  padding-top: 14px;
  flex-shrink: 0;
}

/* ─── CTA Section ────────────────────────────────────────── */
.fc-cta {
  padding: 80px 24px;
  background: var(--fc-primary);
  text-align: center;
}

.fc-cta__inner {
  max-width: 600px;
  margin: 0 auto;
}

.fc-cta__title {
  font-size: 2rem;
  font-weight: 700;
  color: #fff;
  letter-spacing: -0.02em;
  margin-bottom: 12px;
}

.fc-cta__text {
  font-size: 1.0625rem;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 32px;
}

.fc-cta .fc-btn--primary {
  background: var(--fc-accent);
  color: #fff;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.fc-cta .fc-btn--primary:hover {
  background: var(--fc-accent-hover);
}

/* ─── 8. Calculator Page Layout ───────────────────────────── */
.fc-calc-header {
  padding-top: 32px;
  padding-bottom: 32px;
}

.fc-breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.875rem;
  color: var(--fc-muted);
  margin-bottom: 16px;
}

.fc-breadcrumb a {
  color: var(--fc-secondary);
  text-decoration: none;
  transition: color var(--fc-transition-fast);
}

.fc-breadcrumb a:hover {
  color: var(--fc-accent);
}

.fc-breadcrumb__sep {
  color: var(--fc-muted);
  font-size: 0.75rem;
}

.fc-calc-header__title {
  font-size: 2rem;
  font-weight: 700;
  margin-bottom: 8px;
  letter-spacing: -0.02em;
}

.fc-calc-header__desc {
  font-size: 1.0625rem;
  color: var(--fc-secondary);
  max-width: 640px;
  line-height: 1.6;
}

/* Calculator widget/form area */
.fc-calc-widget {
  background: var(--fc-bg);
  border: 1px solid #d1d5db;
  border-radius: var(--fc-radius-xl);
  box-shadow: 0 4px 12px rgba(0,0,0,0.1);
  padding: 40px;
}

.fc-calc-widget__title {
  font-size: 1.25rem;
  font-weight: 600;
  margin-bottom: 28px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--fc-border);
}

.fc-calc-form {
  display: grid;
  gap: 24px;
}

.fc-calc-form--2col {
  grid-template-columns: 1fr 1fr;
}

/* Results area */
.fc-calc-results {
  margin-top: 32px;
  background: var(--fc-bg);
  border: 1px solid #d1d5db;
  border-radius: var(--fc-radius-xl);
  box-shadow: 0 4px 12px rgba(0,0,0,0.1);
  padding: 40px;
  animation: fc-fadeIn 0.35s ease;
}

.fc-calc-results__header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 28px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--fc-border);
}

.fc-result-value {
  font-size: 2.25rem;
  font-weight: 700;
  color: var(--fc-accent);
  letter-spacing: -0.02em;
}

.fc-result-value__label {
  font-size: 0.875rem;
  color: var(--fc-secondary);
  font-weight: 500;
  margin-bottom: 4px;
}

.fc-result-breakdown {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-top: 24px;
  padding-top: 24px;
  border-top: 1px solid var(--fc-border);
}

.fc-breakdown-item {
  background: var(--fc-bg-secondary);
  border-radius: var(--fc-radius);
  padding: 14px 16px;
}

.fc-breakdown-label {
  display: block;
  font-size: 0.8125rem;
  color: var(--fc-secondary);
  font-weight: 500;
  margin-bottom: 4px;
}

.fc-breakdown-value {
  display: block;
  font-size: 1.0625rem;
  font-weight: 700;
  color: var(--fc-primary);
}

.fc-result-item {
  padding: 20px;
  background: var(--fc-bg-secondary);
  border-radius: var(--fc-radius);
  border: 1px solid var(--fc-border);
}

.fc-result-item__value {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--fc-primary);
  margin-bottom: 4px;
}

.fc-result-item__label {
  font-size: 0.8125rem;
  color: var(--fc-muted);
  font-weight: 500;
}

.fc-result-chart {
  margin-top: 32px;
  aspect-ratio: 16 / 9;
  background: var(--fc-bg-secondary);
  border-radius: var(--fc-radius);
  border: 1px solid var(--fc-border);
  overflow: hidden;
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 300px;
}

/* ─── 9. Form Elements ────────────────────────────────────── */
.fc-input {
  width: 100%;
  height: 48px;
  padding: 0 16px;
  border: 1px solid var(--fc-border-input);
  border-radius: var(--fc-radius-sm);
  background: var(--fc-bg);
  font-size: 0.9375rem;
  color: var(--fc-primary);
  outline: none;
  transition: border-color var(--fc-transition), box-shadow var(--fc-transition);
}

.fc-input:hover {
  border-color: #a1afc4;
}

.fc-input:focus {
  border-color: var(--fc-accent);
  box-shadow: 0 0 0 3px rgba(5, 150, 105, 0.12);
}

.fc-input::placeholder {
  color: var(--fc-muted);
}

.fc-input--error {
  border-color: var(--fc-error);
}

.fc-input--error:focus {
  box-shadow: 0 0 0 3px rgba(220, 38, 38, 0.12);
}

.fc-input-error {
  font-size: 0.8125rem;
  color: var(--fc-error);
  margin-top: 4px;
}

textarea.fc-input {
  height: auto;
  min-height: 120px;
  padding: 12px 16px;
  resize: vertical;
}

/* Select */
.fc-select {
  width: 100%;
  height: 48px;
  padding: 0 40px 0 16px;
  border: 1px solid var(--fc-border-input);
  border-radius: var(--fc-radius-sm);
  background-color: var(--fc-bg);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%23475569' d='M6 8.825a.65.65 0 0 1-.46-.19L1.79 4.885a.65.65 0 0 1 .92-.92L6 7.255l3.29-3.29a.65.65 0 0 1 .92.92L6.46 8.635a.65.65 0 0 1-.46.19z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 16px center;
  font-size: 0.9375rem;
  color: var(--fc-primary);
  appearance: none;
  -webkit-appearance: none;
  cursor: pointer;
  outline: none;
  transition: border-color var(--fc-transition), box-shadow var(--fc-transition);
}

.fc-select:hover {
  border-color: #a1afc4;
}

.fc-select:focus {
  border-color: var(--fc-accent);
  box-shadow: 0 0 0 3px rgba(5, 150, 105, 0.12);
}

/* Input group (label + input) */
.fc-input-group {
  display: flex;
  flex-direction: column;
}

.fc-input-group .fc-label {
  margin-bottom: 6px;
}

/* Input with prefix/suffix */
.fc-input-wrapper {
  position: relative;
  display: flex;
  align-items: center;
}

.fc-input-prefix,
.fc-input-suffix {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--fc-muted);
  pointer-events: none;
  z-index: 1;
}

.fc-input-prefix {
  left: 16px;
}

.fc-input-suffix {
  right: 16px;
}

.fc-input--has-prefix {
  padding-left: 36px;
}

.fc-input--has-suffix {
  padding-right: 36px;
}

/* Range slider */
.fc-range {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 3px;
  background: var(--fc-bg-tertiary);
  outline: none;
  cursor: pointer;
}

.fc-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--fc-accent);
  border: 3px solid var(--fc-bg);
  box-shadow: var(--fc-shadow-md);
  cursor: pointer;
  transition: transform var(--fc-transition-fast), box-shadow var(--fc-transition-fast);
}

.fc-range::-webkit-slider-thumb:hover {
  transform: scale(1.1);
  box-shadow: var(--fc-shadow-lg);
}

.fc-range::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--fc-accent);
  border: 3px solid var(--fc-bg);
  box-shadow: var(--fc-shadow-md);
  cursor: pointer;
}

.fc-range-labels {
  display: flex;
  justify-content: space-between;
  font-size: 0.8125rem;
  color: var(--fc-muted);
  margin-top: 6px;
}

/* Checkbox */
.fc-checkbox {
  display: flex;
  align-items: center;
  gap: 10px;
  cursor: pointer;
  font-size: 0.9375rem;
  color: var(--fc-secondary);
  user-select: none;
}

.fc-checkbox input[type="checkbox"] {
  appearance: none;
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  border: 2px solid var(--fc-border-input);
  border-radius: 5px;
  flex-shrink: 0;
  cursor: pointer;
  position: relative;
  transition: background var(--fc-transition-fast), border-color var(--fc-transition-fast);
}

.fc-checkbox input[type="checkbox"]:checked {
  background: var(--fc-accent);
  border-color: var(--fc-accent);
}

.fc-checkbox input[type="checkbox"]:checked::after {
  content: '';
  position: absolute;
  left: 5.5px;
  top: 2px;
  width: 5px;
  height: 10px;
  border: solid #fff;
  border-width: 0 2px 2px 0;
  transform: rotate(45deg);
}

.fc-checkbox input[type="checkbox"]:focus-visible {
  box-shadow: 0 0 0 3px rgba(5, 150, 105, 0.12);
}

/* Radio */
.fc-radio {
  display: flex;
  align-items: center;
  gap: 10px;
  cursor: pointer;
  font-size: 0.9375rem;
  color: var(--fc-secondary);
  user-select: none;
}

.fc-radio input[type="radio"] {
  appearance: none;
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  border: 2px solid var(--fc-border-input);
  border-radius: 50%;
  flex-shrink: 0;
  cursor: pointer;
  position: relative;
  transition: border-color var(--fc-transition-fast);
}

.fc-radio input[type="radio"]:checked {
  border-color: var(--fc-accent);
}

.fc-radio input[type="radio"]:checked::after {
  content: '';
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 10px;
  height: 10px;
  background: var(--fc-accent);
  border-radius: 50%;
}

.fc-radio input[type="radio"]:focus-visible {
  box-shadow: 0 0 0 3px rgba(5, 150, 105, 0.12);
}

/* Toggle / Switch */
.fc-toggle {
  position: relative;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  cursor: pointer;
  user-select: none;
}

.fc-toggle input {
  position: absolute;
  opacity: 0;
  width: 0;
  height: 0;
}

.fc-toggle__track {
  width: 44px;
  height: 24px;
  background: var(--fc-bg-tertiary);
  border-radius: 12px;
  position: relative;
  transition: background var(--fc-transition-fast);
  border: 1px solid var(--fc-border);
}

.fc-toggle__track::after {
  content: '';
  position: absolute;
  top: 2px;
  left: 2px;
  width: 18px;
  height: 18px;
  background: #fff;
  border-radius: 50%;
  box-shadow: var(--fc-shadow-sm);
  transition: transform var(--fc-transition-fast);
}

.fc-toggle input:checked + .fc-toggle__track {
  background: var(--fc-accent);
  border-color: var(--fc-accent);
}

.fc-toggle input:checked + .fc-toggle__track::after {
  transform: translateX(20px);
}

/* ─── 10. Buttons ─────────────────────────────────────────── */
.fc-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  height: 48px;
  padding: 0 24px;
  font-size: 0.9375rem;
  font-weight: 600;
  border-radius: var(--fc-radius-sm);
  border: 1px solid transparent;
  cursor: pointer;
  transition: all var(--fc-transition-fast);
  text-decoration: none;
  white-space: nowrap;
  user-select: none;
  outline: none;
}

.fc-btn:active {
  transform: scale(0.98);
}

.fc-btn:focus-visible {
  box-shadow: 0 0 0 3px rgba(5, 150, 105, 0.2);
}

/* Primary */
.fc-btn-primary {
  background: var(--fc-accent);
  color: #fff;
  border-color: var(--fc-accent);
}

.fc-btn-primary:hover {
  background: var(--fc-accent-hover);
  border-color: var(--fc-accent-hover);
}

/* Secondary */
.fc-btn-secondary {
  background: transparent;
  color: var(--fc-accent);
  border-color: var(--fc-accent);
}

.fc-btn-secondary:hover {
  background: var(--fc-accent-light);
}

/* Ghost */
.fc-btn-ghost {
  background: transparent;
  color: var(--fc-secondary);
  border-color: transparent;
}

.fc-btn-ghost:hover {
  background: var(--fc-bg-tertiary);
  color: var(--fc-primary);
}

/* Sizes */
.fc-btn-lg {
  height: 56px;
  padding: 0 32px;
  font-size: 1rem;
  border-radius: var(--fc-radius);
}

.fc-btn-sm {
  height: 36px;
  padding: 0 16px;
  font-size: 0.8125rem;
  border-radius: 6px;
}

/* Variants */
.fc-btn-pill {
  border-radius: var(--fc-radius-pill);
}

.fc-btn-block {
  width: 100%;
}

/* Icon button */
.fc-btn-icon {
  width: 48px;
  padding: 0;
}

.fc-btn-icon.fc-btn-sm {
  width: 36px;
}

/* ─── 11. AI Chat Widget ──────────────────────────────────── */
.fc-ai-chat {
  background: var(--fc-bg);
  border: 1px solid #d1d5db;
  border-radius: var(--fc-radius-lg);
  box-shadow: 0 4px 12px rgba(0,0,0,0.1);
  overflow: hidden;
  display: flex;
  flex-direction: column;
}

.fc-ai-chat__header {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 16px 20px;
  border-bottom: 1px solid var(--fc-border);
  background: var(--fc-bg-secondary);
}

.fc-ai-chat__icon {
  width: 32px;
  height: 32px;
  border-radius: var(--fc-radius-sm);
  background: var(--fc-accent-light);
  color: var(--fc-accent);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.fc-ai-chat__title {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--fc-primary);
}

.fc-ai-chat__badge {
  font-size: 0.6875rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--fc-accent);
  background: var(--fc-accent-light);
  padding: 2px 8px;
  border-radius: var(--fc-radius-pill);
  margin-left: auto;
}

.fc-ai-chat__messages {
  flex: 1;
  overflow-y: auto;
  max-height: 400px;
  padding: 20px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.fc-ai-msg {
  max-width: 85%;
  padding: 12px 16px;
  border-radius: var(--fc-radius);
  font-size: 0.9375rem;
  line-height: 1.55;
}

.fc-ai-msg--bot {
  align-self: flex-start;
  background: var(--fc-bg-tertiary);
  color: var(--fc-primary);
  border-bottom-left-radius: 4px;
}

.fc-ai-msg--user {
  align-self: flex-end;
  background: var(--fc-accent-light);
  color: var(--fc-primary);
  border-bottom-right-radius: 4px;
}

/* Typing indicator */
.fc-ai-typing {
  display: flex;
  gap: 5px;
  padding: 12px 16px;
  align-self: flex-start;
}

.fc-ai-typing__dot {
  width: 8px;
  height: 8px;
  background: var(--fc-muted);
  border-radius: 50%;
  animation: fc-pulse 1.4s ease-in-out infinite;
}

.fc-ai-typing__dot:nth-child(2) { animation-delay: 0.2s; }
.fc-ai-typing__dot:nth-child(3) { animation-delay: 0.4s; }

.fc-ai-chat__input {
  display: flex;
  gap: 8px;
  padding: 16px 20px;
  border-top: 1px solid var(--fc-border);
  background: var(--fc-bg);
}

.fc-ai-chat__input input {
  flex: 1;
  height: 42px;
  padding: 0 14px;
  border: 1px solid var(--fc-border-input);
  border-radius: var(--fc-radius-sm);
  font-size: 0.9375rem;
  background: var(--fc-bg);
  outline: none;
  transition: border-color var(--fc-transition);
}

.fc-ai-chat__input input:focus {
  border-color: var(--fc-accent);
  box-shadow: 0 0 0 2px rgba(5, 150, 105, 0.1);
}

.fc-ai-chat__send {
  width: 42px;
  height: 42px;
  border: none;
  background: var(--fc-accent);
  color: #fff;
  border-radius: var(--fc-radius-sm);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: background var(--fc-transition-fast);
}

.fc-ai-chat__send:hover {
  background: var(--fc-accent-hover);
}

/* Collapsed state (mobile) */
.fc-ai-chat--collapsed .fc-ai-chat__messages,
.fc-ai-chat--collapsed .fc-ai-chat__input {
  display: none;
}

.fc-ai-chat__toggle {
  cursor: pointer;
}

/* ─── 12. Amortization Table ──────────────────────────────── */
.fc-amort-table {
  background: var(--fc-bg);
  border: 1px solid var(--fc-border);
  border-radius: var(--fc-radius-lg);
  overflow: hidden;
}

.fc-amort-table__header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 24px;
  border-bottom: 1px solid var(--fc-border);
}

.fc-amort-table__title {
  font-size: 1.125rem;
  font-weight: 600;
}

.fc-table-toggle {
  display: flex;
  border: 1px solid var(--fc-border);
  border-radius: var(--fc-radius-sm);
  overflow: hidden;
}

.fc-table-toggle__btn {
  padding: 6px 16px;
  font-size: 0.8125rem;
  font-weight: 500;
  border: none;
  background: var(--fc-bg);
  color: var(--fc-secondary);
  cursor: pointer;
  transition: background var(--fc-transition-fast), color var(--fc-transition-fast);
}

.fc-table-toggle__btn + .fc-table-toggle__btn {
  border-left: 1px solid var(--fc-border);
}

.fc-table-toggle__btn--active {
  background: var(--fc-accent);
  color: #fff;
}

.fc-amort-table__wrap {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
}

.fc-amort-table table {
  min-width: 600px;
}

.fc-amort-table th {
  position: sticky;
  top: 0;
  background: var(--fc-bg-secondary);
  padding: 14px 20px;
  font-size: 0.8125rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--fc-muted);
  text-align: left;
  border-bottom: 1px solid var(--fc-border);
  white-space: nowrap;
  z-index: 1;
}

.fc-amort-table td {
  padding: 13px 20px;
  font-size: 0.9375rem;
  color: var(--fc-secondary);
  border-bottom: 1px solid var(--fc-border);
  white-space: nowrap;
}

.fc-amort-table tr:nth-child(even) {
  background: var(--fc-bg-secondary);
}

.fc-amort-table tr:last-child td {
  border-bottom: none;
}

.fc-amort-table tr:hover td {
  background: var(--fc-accent-light);
}

.fc-amort-table .fc-table-highlight {
  font-weight: 600;
  color: var(--fc-primary);
}

/* ─── 13. Sidebar ─────────────────────────────────────────── */
.fc-sidebar {
  width: var(--fc-sidebar-width);
  position: sticky;
  top: 90px;
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.fc-sidebar-card {
  background: var(--fc-bg);
  border: 1px solid #d1d5db;
  border-radius: var(--fc-radius-lg);
  padding: 24px;
  box-shadow: 0 2px 6px rgba(0,0,0,0.08);
}

.fc-sidebar-card__title {
  font-size: 1rem;
  font-weight: 600;
  margin-bottom: 16px;
  color: var(--fc-primary);
}

/* Ad placeholder */
.fc-sidebar-ad {
  background: var(--fc-bg-secondary);
  border: 1px dashed #d1d5db;
  border-radius: var(--fc-radius);
  min-height: 250px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--fc-muted);
  font-size: 0.8125rem;
}

/* Related calculators */
.fc-related-calcs {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.fc-related-calcs__link {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 12px;
  border-radius: var(--fc-radius-sm);
  font-size: 0.9375rem;
  color: var(--fc-secondary);
  text-decoration: none;
  transition: background var(--fc-transition-fast), color var(--fc-transition-fast);
}

.fc-related-calcs__link:hover {
  background: var(--fc-accent-light);
  color: var(--fc-accent);
}

.fc-related-calcs__link::before {
  content: '';
  width: 6px;
  height: 6px;
  background: var(--fc-border);
  border-radius: 50%;
  flex-shrink: 0;
  transition: background var(--fc-transition-fast);
}

.fc-related-calcs__link:hover::before {
  background: var(--fc-accent);
}

/* Affiliate CTA */
.fc-affiliate-cta {
  background: var(--fc-bg-secondary);
  border: 1px solid var(--fc-border);
  border-left: 3px solid var(--fc-accent);
  border-radius: var(--fc-radius);
  padding: 20px;
}

.fc-affiliate-cta__title {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--fc-primary);
  margin-bottom: 8px;
}

.fc-affiliate-cta__text {
  font-size: 0.875rem;
  color: var(--fc-secondary);
  margin-bottom: 16px;
  line-height: 1.55;
}

/* ─── 14. SEO Content Section ─────────────────────────────── */
.fc-seo-content {
  max-width: 720px;
  padding: 48px 0;
}

.fc-seo-content h2 {
  font-size: 1.5rem;
  font-weight: 600;
  margin-top: 40px;
  margin-bottom: 16px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--fc-border);
}

.fc-seo-content h2:first-child {
  margin-top: 0;
}

.fc-seo-content h3 {
  font-size: 1.25rem;
  margin-top: 28px;
  margin-bottom: 12px;
}

.fc-seo-content p {
  color: var(--fc-secondary);
  line-height: 1.7;
  margin-bottom: 16px;
}

.fc-seo-content ul,
.fc-seo-content ol {
  padding-left: 24px;
  margin-bottom: 16px;
  color: var(--fc-secondary);
}

.fc-seo-content ul { list-style-type: disc; }
.fc-seo-content ol { list-style-type: decimal; }

.fc-seo-content li {
  margin-bottom: 8px;
  line-height: 1.6;
}

.fc-seo-content a {
  color: var(--fc-accent);
  text-decoration: underline;
  text-underline-offset: 2px;
}

.fc-seo-content a:hover {
  color: var(--fc-accent-hover);
}

/* FAQ Accordion */
.fc-faq {
  margin-top: 32px;
}

.fc-faq__item {
  border-bottom: 1px solid var(--fc-border);
}

.fc-faq__question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  padding: 20px 0;
  background: none;
  border: none;
  font-size: 1rem;
  font-weight: 600;
  color: var(--fc-primary);
  cursor: pointer;
  text-align: left;
  line-height: 1.4;
  gap: 16px;
}

.fc-faq__question:hover {
  color: var(--fc-accent);
}

.fc-faq__arrow {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: transform var(--fc-transition);
}

.fc-faq__arrow::after {
  content: '';
  width: 8px;
  height: 8px;
  border-right: 2px solid var(--fc-secondary);
  border-bottom: 2px solid var(--fc-secondary);
  transform: rotate(45deg);
  transition: transform var(--fc-transition);
}

.fc-faq__item--open .fc-faq__arrow::after {
  transform: rotate(-135deg);
}

.fc-faq__answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease, padding 0.3s ease;
}

.fc-faq__item--open .fc-faq__answer {
  max-height: 500px;
  padding-bottom: 20px;
}

.fc-faq__answer p {
  font-size: 0.9375rem;
  color: var(--fc-secondary);
  line-height: 1.65;
}

/* ─── State Facts & Links (Location Pages) ───────────────── */
.fc-state-facts__grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(160px, 1fr));
  gap: 16px;
  margin: 8px 0;
}

.fc-state-facts__item {
  background: var(--fc-bg);
  border: 1px solid var(--fc-border);
  border-radius: var(--fc-radius);
  padding: 16px;
  text-align: center;
}

.fc-state-facts__label {
  display: block;
  font-size: 0.8125rem;
  color: var(--fc-secondary);
  margin-bottom: 4px;
}

.fc-state-facts__value {
  display: block;
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--fc-primary);
}

.fc-state-links {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.fc-state-links__item {
  display: inline-block;
  padding: 6px 14px;
  border: 1px solid var(--fc-border);
  border-radius: 9999px;
  font-size: 0.8125rem;
  color: var(--fc-secondary);
  text-decoration: none;
  transition: all var(--fc-transition);
}

.fc-state-links__item:hover {
  border-color: var(--fc-accent);
  color: var(--fc-accent);
  background: rgba(5, 150, 105, 0.04);
}

/* ─── 15. Affiliate / CTA Sections ────────────────────────── */
.fc-rate-table {
  background: var(--fc-bg);
  border: 1px solid var(--fc-border);
  border-radius: var(--fc-radius-lg);
  overflow: hidden;
  margin: 32px 0;
}

.fc-rate-table__header {
  padding: 20px 24px;
  border-bottom: 1px solid var(--fc-border);
  font-size: 1.125rem;
  font-weight: 600;
}

.fc-rate-table table {
  width: 100%;
}

.fc-rate-table th {
  padding: 14px 20px;
  font-size: 0.8125rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--fc-muted);
  text-align: left;
  background: var(--fc-bg-secondary);
  border-bottom: 1px solid var(--fc-border);
}

.fc-rate-table td {
  padding: 16px 20px;
  font-size: 0.9375rem;
  color: var(--fc-secondary);
  border-bottom: 1px solid var(--fc-border);
  vertical-align: middle;
}

.fc-rate-table tr:last-child td {
  border-bottom: none;
}

.fc-rate-table__rate {
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--fc-primary);
}

.fc-rate-table__lender {
  display: flex;
  align-items: center;
  gap: 12px;
}

.fc-rate-table__logo {
  width: 40px;
  height: 40px;
  border-radius: var(--fc-radius-sm);
  background: var(--fc-bg-tertiary);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.fc-cta-banner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 28px 32px;
  background: var(--fc-bg-secondary);
  border: 1px solid var(--fc-border);
  border-radius: var(--fc-radius-lg);
  margin: 32px 0;
}

.fc-cta-banner__text {
  flex: 1;
}

.fc-cta-banner__title {
  font-size: 1.125rem;
  font-weight: 600;
  color: var(--fc-primary);
  margin-bottom: 4px;
}

.fc-cta-banner__desc {
  font-size: 0.9375rem;
  color: var(--fc-secondary);
}

/* ─── 15b. Contact Form ──────────────────────────────────── */
.fc-contact-form__field {
  margin-bottom: 1.25rem;
}

.fc-contact-form__field label {
  display: block;
  font-weight: 500;
  margin-bottom: 0.375rem;
  color: var(--fc-primary);
  font-size: 0.875rem;
}

.fc-contact-form__field input,
.fc-contact-form__field select,
.fc-contact-form__field textarea {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1px solid #d1d5db;
  border-radius: 8px;
  font-family: inherit;
  font-size: 0.9375rem;
  color: var(--fc-primary);
  background: #fff;
  transition: border-color 0.2s;
}

.fc-contact-form__field input:focus,
.fc-contact-form__field select:focus,
.fc-contact-form__field textarea:focus {
  outline: none;
  border-color: var(--fc-accent);
  box-shadow: 0 0 0 3px rgba(5, 150, 105, 0.1);
}

.fc-contact-form__field textarea {
  resize: vertical;
  min-height: 120px;
}

.fc-btn--full {
  width: 100%;
  justify-content: center;
}

.fc-contact-form__status {
  margin-top: 1rem;
  padding: 0.75rem 1rem;
  border-radius: 8px;
  font-size: 0.875rem;
  font-weight: 500;
}

.fc-contact-form__status--success {
  background: #ecfdf5;
  color: #065f46;
  border: 1px solid #a7f3d0;
}

.fc-contact-form__status--error {
  background: #fef2f2;
  color: #991b1b;
  border: 1px solid #fecaca;
}

/* ─── 16. Footer ──────────────────────────────────────────── */
.fc-footer {
  background: var(--fc-primary);
  color: #e2e8f0;
  padding: 64px 0 0;
  margin-top: 80px;
}

.fc-footer__grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 48px;
}

.fc-footer__heading {
  font-size: 0.875rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: #fff;
  margin-bottom: 20px;
}

.fc-footer__links {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.fc-footer__link {
  font-size: 0.9375rem;
  color: #94a3b8;
  text-decoration: none;
  transition: color var(--fc-transition-fast);
}

.fc-footer__link:hover {
  color: #fff;
}

.fc-footer__bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding: 24px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.fc-footer__copy {
  font-size: 0.875rem;
  color: #64748b;
}

.fc-footer__social {
  display: flex;
  gap: 16px;
}

.fc-footer__social a {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #94a3b8;
  transition: background var(--fc-transition-fast), color var(--fc-transition-fast);
}

.fc-footer__social a:hover {
  background: rgba(255, 255, 255, 0.15);
  color: #fff;
}

/* ─── 17. Admin Panel ─────────────────────────────────────── */
.fc-admin {
  display: flex;
  min-height: 100vh;
}

.fc-admin__sidebar {
  width: 260px;
  background: var(--fc-primary);
  color: #e2e8f0;
  padding: 24px 0;
  flex-shrink: 0;
  position: fixed;
  top: 0;
  left: 0;
  bottom: 0;
  overflow-y: auto;
}

.fc-admin__sidebar-logo {
  padding: 0 24px 24px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  margin-bottom: 16px;
  font-size: 1.125rem;
  font-weight: 700;
  color: #fff;
}

.fc-admin__nav-link {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px 24px;
  font-size: 0.9375rem;
  color: #94a3b8;
  text-decoration: none;
  transition: color var(--fc-transition-fast), background var(--fc-transition-fast);
}

.fc-admin__nav-link:hover {
  color: #fff;
  background: rgba(255, 255, 255, 0.06);
}

.fc-admin__nav-link--active {
  color: #fff;
  background: rgba(5, 150, 105, 0.2);
  border-right: 3px solid var(--fc-accent);
}

.fc-admin__main {
  flex: 1;
  margin-left: 260px;
  padding: 32px;
  background: var(--fc-bg-secondary);
  min-height: 100vh;
}

.fc-admin__header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 32px;
}

.fc-admin__title {
  font-size: 1.5rem;
  font-weight: 700;
}

/* Stats cards */
.fc-stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-bottom: 32px;
}

.fc-stat-card {
  background: var(--fc-bg);
  border: 1px solid var(--fc-border);
  border-radius: var(--fc-radius);
  padding: 24px;
}

.fc-stat-card__label {
  font-size: 0.8125rem;
  color: var(--fc-muted);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 8px;
}

.fc-stat-card__value {
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--fc-primary);
}

.fc-stat-card__change {
  font-size: 0.8125rem;
  font-weight: 600;
  margin-top: 6px;
}

.fc-stat-card__change--up   { color: var(--fc-accent); }
.fc-stat-card__change--down { color: var(--fc-error); }

/* Admin data table */
.fc-admin-table {
  background: var(--fc-bg);
  border: 1px solid var(--fc-border);
  border-radius: var(--fc-radius);
  overflow: hidden;
}

.fc-admin-table__toolbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 20px;
  border-bottom: 1px solid var(--fc-border);
  gap: 12px;
}

.fc-admin-table__search {
  width: 280px;
  height: 38px;
  padding: 0 14px;
  border: 1px solid var(--fc-border);
  border-radius: var(--fc-radius-sm);
  font-size: 0.875rem;
  outline: none;
  background: var(--fc-bg);
  transition: border-color var(--fc-transition);
}

.fc-admin-table__search:focus {
  border-color: var(--fc-accent);
}

.fc-admin-table th {
  padding: 12px 20px;
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--fc-muted);
  background: var(--fc-bg-secondary);
  text-align: left;
  border-bottom: 1px solid var(--fc-border);
  cursor: pointer;
  user-select: none;
  white-space: nowrap;
}

.fc-admin-table th:hover {
  color: var(--fc-secondary);
}

.fc-admin-table td {
  padding: 14px 20px;
  font-size: 0.875rem;
  color: var(--fc-secondary);
  border-bottom: 1px solid var(--fc-border);
}

.fc-admin-table tr:last-child td {
  border-bottom: none;
}

.fc-admin-table tr:hover td {
  background: var(--fc-bg-secondary);
}

/* ─── 18. Utility Classes ─────────────────────────────────── */

/* Margin top (8px increments) */
.fc-mt-1 { margin-top: 8px; }
.fc-mt-2 { margin-top: 16px; }
.fc-mt-3 { margin-top: 24px; }
.fc-mt-4 { margin-top: 32px; }
.fc-mt-5 { margin-top: 40px; }
.fc-mt-6 { margin-top: 48px; }
.fc-mt-7 { margin-top: 56px; }
.fc-mt-8 { margin-top: 64px; }

/* Margin bottom */
.fc-mb-1 { margin-bottom: 8px; }
.fc-mb-2 { margin-bottom: 16px; }
.fc-mb-3 { margin-bottom: 24px; }
.fc-mb-4 { margin-bottom: 32px; }
.fc-mb-5 { margin-bottom: 40px; }
.fc-mb-6 { margin-bottom: 48px; }
.fc-mb-7 { margin-bottom: 56px; }
.fc-mb-8 { margin-bottom: 64px; }

/* Padding */
.fc-p-1 { padding: 8px; }
.fc-p-2 { padding: 16px; }
.fc-p-3 { padding: 24px; }
.fc-p-4 { padding: 32px; }
.fc-p-5 { padding: 40px; }
.fc-p-6 { padding: 48px; }
.fc-p-7 { padding: 56px; }
.fc-p-8 { padding: 64px; }

/* Text alignment */
.fc-text-center { text-align: center; }
.fc-text-right  { text-align: right; }
.fc-text-left   { text-align: left; }

/* Visibility */
.fc-hidden  { display: none !important; }
.fc-visible { display: block !important; }

/* Screen reader only */
.fc-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;
}

/* Divider */
.fc-divider {
  border: none;
  border-top: 1px solid var(--fc-border);
  margin: 24px 0;
}

/* Badge */
.fc-badge {
  display: inline-flex;
  align-items: center;
  padding: 3px 10px;
  font-size: 0.75rem;
  font-weight: 600;
  border-radius: var(--fc-radius-pill);
  background: var(--fc-bg-tertiary);
  color: var(--fc-secondary);
  white-space: nowrap;
}

.fc-badge--accent {
  background: var(--fc-accent-light);
  color: var(--fc-accent);
}

.fc-badge--error {
  background: var(--fc-error-light);
  color: var(--fc-error);
}

/* Skeleton loader */
.fc-skeleton {
  background: var(--fc-bg-tertiary);
  border-radius: var(--fc-radius-sm);
  position: relative;
  overflow: hidden;
}

.fc-skeleton::after {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(
    90deg,
    transparent 0%,
    rgba(255, 255, 255, 0.6) 50%,
    transparent 100%
  );
  animation: fc-skeleton-shimmer 1.5s ease-in-out infinite;
}

.fc-skeleton--text {
  height: 16px;
  width: 80%;
  margin-bottom: 10px;
}

.fc-skeleton--heading {
  height: 28px;
  width: 60%;
  margin-bottom: 16px;
}

.fc-skeleton--rect {
  height: 200px;
  width: 100%;
}

.fc-skeleton--circle {
  width: 48px;
  height: 48px;
  border-radius: 50%;
}

/* ─── 19. Animations ──────────────────────────────────────── */
@keyframes fc-fadeIn {
  from {
    opacity: 0;
  }
  to {
    opacity: 1;
  }
}

@keyframes fc-slideUp {
  from {
    opacity: 0;
    transform: translateY(20px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes fc-pulse {
  0%, 80%, 100% {
    transform: scale(0.6);
    opacity: 0.4;
  }
  40% {
    transform: scale(1);
    opacity: 1;
  }
}

@keyframes fc-skeleton-shimmer {
  0% {
    transform: translateX(-100%);
  }
  100% {
    transform: translateX(100%);
  }
}

@keyframes fc-spin {
  from { transform: rotate(0deg); }
  to   { transform: rotate(360deg); }
}

.fc-animate-in {
  animation: fc-fadeIn 0.4s ease, fc-slideUp 0.4s ease;
}

.fc-spinner {
  width: 20px;
  height: 20px;
  border: 2px solid var(--fc-border);
  border-top-color: var(--fc-accent);
  border-radius: 50%;
  animation: fc-spin 0.6s linear infinite;
}

/* ─── CALCULATOR PAGE — Layout, Breadcrumb, Form Fields ──── */

/* Page layout wrapper */
.fc-layout {
  padding-bottom: 40px;
}

/* Two-column grid: main + sidebar */
.fc-layout__grid {
  display: grid;
  grid-template-columns: 1fr var(--fc-sidebar-width);
  gap: 40px;
  align-items: start;
}

.fc-layout__main {
  min-width: 0;
}

/* Breadcrumb — proper list styling */
.fc-breadcrumb {
  padding: 16px 0;
  background: var(--fc-bg-secondary);
  border-bottom: 1px solid var(--fc-border);
}

.fc-breadcrumb__list {
  display: flex;
  align-items: center;
  gap: 0;
  font-size: 0.875rem;
  list-style: none;
  margin: 0;
  padding: 0;
}

.fc-breadcrumb__item {
  display: flex;
  align-items: center;
}

.fc-breadcrumb__item a {
  color: var(--fc-secondary);
  text-decoration: none;
  transition: color var(--fc-transition-fast);
}

.fc-breadcrumb__item a:hover {
  color: var(--fc-accent);
}

.fc-breadcrumb__item--current span {
  color: var(--fc-primary);
  font-weight: 500;
}

.fc-breadcrumb__sep {
  display: flex;
  align-items: center;
  padding: 0 8px;
}

.fc-breadcrumb__sep svg {
  display: block;
}

/* Calc header location span */
.fc-calc-header__location {
  color: var(--fc-accent);
  font-weight: 600;
}

/* Form fields grid */
.fc-calc-form__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

/* Field wrapper */
.fc-field {
  display: flex;
  flex-direction: column;
}

.fc-field--full {
  grid-column: 1 / -1;
}

.fc-field--state {
  margin-top: 4px;
}

/* Field label */
.fc-field__label {
  display: block;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--fc-primary);
  margin-bottom: 6px;
}

/* Field help text */
.fc-field__help {
  font-size: 0.8125rem;
  color: var(--fc-muted);
  margin-top: 4px;
  line-height: 1.4;
}

/* Input wrapper */
.fc-field__input-wrap {
  position: relative;
  display: flex;
  align-items: center;
}

/* Prefix variant (e.g. $ sign) */
.fc-field__input-wrap--prefix .fc-field__addon {
  position: absolute;
  left: 14px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--fc-muted);
  pointer-events: none;
  z-index: 1;
}

.fc-field__input-wrap--prefix .fc-field__input {
  padding-left: 32px;
}

/* Suffix variant (e.g. % sign) */
.fc-field__input-wrap--suffix .fc-field__addon {
  position: absolute;
  right: 14px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--fc-muted);
  pointer-events: none;
  z-index: 1;
}

.fc-field__input-wrap--suffix .fc-field__input {
  padding-right: 32px;
}

/* Field input */
.fc-field__input {
  width: 100%;
  height: 48px;
  padding: 0 14px;
  border: 1px solid var(--fc-border-input);
  border-radius: var(--fc-radius-sm);
  background: var(--fc-bg);
  font-size: 0.9375rem;
  color: var(--fc-primary);
  outline: none;
  transition: border-color var(--fc-transition), box-shadow var(--fc-transition);
}

.fc-field__input:hover {
  border-color: #a1afc4;
}

.fc-field__input:focus {
  border-color: var(--fc-accent);
  box-shadow: 0 0 0 3px rgba(5, 150, 105, 0.12);
}

.fc-field__input::placeholder {
  color: var(--fc-muted);
}

/* Field select */
.fc-field__select-wrap {
  position: relative;
}

.fc-field__select {
  width: 100%;
  height: 48px;
  padding: 0 40px 0 14px;
  border: 1px solid var(--fc-border-input);
  border-radius: var(--fc-radius-sm);
  background: var(--fc-bg);
  font-size: 0.9375rem;
  color: var(--fc-primary);
  appearance: none;
  -webkit-appearance: none;
  cursor: pointer;
  outline: none;
  transition: border-color var(--fc-transition), box-shadow var(--fc-transition);
}

.fc-field__select:hover {
  border-color: #a1afc4;
}

.fc-field__select:focus {
  border-color: var(--fc-accent);
  box-shadow: 0 0 0 3px rgba(5, 150, 105, 0.12);
}

.fc-field__select-arrow {
  position: absolute;
  right: 14px;
  top: 50%;
  transform: translateY(-50%);
  pointer-events: none;
  color: var(--fc-muted);
}

/* Button BEM aliases (HTML uses -- but CSS had -) */
.fc-btn--primary {
  background: var(--fc-accent);
  color: #fff;
  border-color: var(--fc-accent);
}

.fc-btn--primary:hover {
  background: var(--fc-accent-hover);
  border-color: var(--fc-accent-hover);
}

.fc-btn--outline {
  background: transparent;
  color: var(--fc-accent);
  border-color: var(--fc-accent);
}

.fc-btn--outline:hover {
  background: var(--fc-accent-light);
}

.fc-btn--block {
  width: 100%;
}

.fc-btn--lg {
  height: 56px;
  padding: 0 32px;
  font-size: 1rem;
  border-radius: var(--fc-radius);
}

.fc-btn--sm {
  height: 36px;
  padding: 0 16px;
  font-size: 0.8125rem;
  border-radius: 6px;
}

.fc-btn__text {
  display: inline;
}

.fc-btn__spinner {
  display: none;
}

/* Results title */
.fc-calc-results__title {
  font-size: 1.25rem;
  font-weight: 600;
  color: var(--fc-primary);
  margin: 0;
}

/* ─── AFFILIATE SECTION ─────────────────────────────────── */
.fc-affiliate {
  margin-top: 40px;
  padding: 32px 0;
}

.fc-affiliate__title {
  font-size: 1.375rem;
  font-weight: 600;
  color: var(--fc-primary);
  margin-bottom: 8px;
}

.fc-affiliate__note {
  font-size: 0.875rem;
  color: var(--fc-muted);
  margin-bottom: 20px;
}

.fc-affiliate__table-wrap {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
}

.fc-affiliate__table {
  width: 100%;
  border: 1px solid var(--fc-border);
  border-radius: var(--fc-radius);
  overflow: hidden;
  border-collapse: separate;
  border-spacing: 0;
}

.fc-affiliate__table thead th {
  padding: 14px 20px;
  font-size: 0.8125rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--fc-muted);
  text-align: left;
  background: var(--fc-bg-secondary);
  border-bottom: 1px solid var(--fc-border);
  white-space: nowrap;
}

.fc-affiliate__table tbody td {
  padding: 16px 20px;
  font-size: 0.9375rem;
  color: var(--fc-secondary);
  border-bottom: 1px solid var(--fc-border);
  vertical-align: middle;
}

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

.fc-affiliate__table tbody tr:hover td {
  background: var(--fc-bg-secondary);
}

.fc-affiliate__lender {
  display: flex;
  align-items: center;
  gap: 12px;
}

.fc-affiliate__lender-logo {
  width: 36px;
  height: 36px;
  border-radius: var(--fc-radius-sm);
  background: var(--fc-accent-light);
  color: var(--fc-accent);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.875rem;
  flex-shrink: 0;
}

/* ─── CHAT WIDGET (fc-chat__* classes) ─────────────────── */
.fc-chat {
  margin-top: 32px;
}

.fc-chat__card {
  background: var(--fc-bg);
  border: 1px solid #d1d5db;
  border-radius: var(--fc-radius-lg);
  overflow: hidden;
  box-shadow: 0 2px 6px rgba(0,0,0,0.08);
}

.fc-chat__header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 20px;
  border-bottom: 1px solid var(--fc-border);
  background: var(--fc-bg-secondary);
}

.fc-chat__header-left {
  display: flex;
  align-items: center;
  gap: 10px;
}

.fc-chat__dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--fc-accent);
  flex-shrink: 0;
}

.fc-chat__title {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--fc-primary);
  margin: 0;
}

.fc-chat__badge {
  font-size: 0.6875rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--fc-accent);
  background: var(--fc-accent-light);
  padding: 2px 8px;
  border-radius: var(--fc-radius-pill);
}

.fc-chat__toggle {
  background: none;
  border: none;
  padding: 4px;
  cursor: pointer;
  color: var(--fc-secondary);
  display: flex;
  align-items: center;
  transition: color var(--fc-transition-fast);
}

.fc-chat__toggle:hover {
  color: var(--fc-primary);
}

.fc-chat__subtitle {
  font-size: 0.8125rem;
  color: var(--fc-muted);
  padding: 8px 20px 0;
  margin: 0;
}

.fc-chat__body {
  display: flex;
  flex-direction: column;
}

.fc-chat__messages {
  flex: 1;
  overflow-y: auto;
  max-height: 400px;
  padding: 20px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.fc-chat__msg {
  display: flex;
  gap: 10px;
  max-width: 90%;
}

.fc-chat__msg--ai {
  align-self: flex-start;
}

.fc-chat__msg--user {
  align-self: flex-end;
  flex-direction: row-reverse;
}

.fc-chat__msg-avatar {
  width: 32px;
  height: 32px;
  border-radius: var(--fc-radius-sm);
  background: var(--fc-accent-light);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.fc-chat__msg-content {
  padding: 12px 16px;
  border-radius: var(--fc-radius);
  font-size: 0.9375rem;
  line-height: 1.55;
}

.fc-chat__msg--ai .fc-chat__msg-content {
  background: var(--fc-bg-tertiary);
  color: var(--fc-primary);
  border-bottom-left-radius: 4px;
}

.fc-chat__msg--user .fc-chat__msg-content {
  background: var(--fc-accent-light);
  color: var(--fc-primary);
  border-bottom-right-radius: 4px;
}

.fc-chat__msg-content p {
  margin: 0;
  color: inherit;
}

.fc-chat__msg--typing .fc-chat__msg-content {
  color: var(--fc-muted);
  font-style: italic;
}

.fc-chat__suggestions {
  list-style: none;
  padding: 0;
  margin: 12px 0 0;
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.fc-chat__suggestion {
  display: inline-block;
  padding: 8px 14px;
  font-size: 0.8125rem;
  font-weight: 500;
  color: var(--fc-accent);
  background: var(--fc-bg);
  border: 1px solid var(--fc-border);
  border-radius: var(--fc-radius-pill);
  cursor: pointer;
  text-align: left;
  transition: all var(--fc-transition-fast);
}

.fc-chat__suggestion:hover {
  background: var(--fc-accent-light);
  border-color: var(--fc-accent);
}

.fc-chat__input-area {
  padding: 16px 20px;
  border-top: 1px solid var(--fc-border);
}

.fc-chat__input-wrap {
  display: flex;
  gap: 8px;
}

.fc-chat__input {
  flex: 1;
  height: 42px;
  padding: 0 14px;
  border: 1px solid var(--fc-border-input);
  border-radius: var(--fc-radius-sm);
  font-size: 0.9375rem;
  background: var(--fc-bg);
  outline: none;
  transition: border-color var(--fc-transition), box-shadow var(--fc-transition);
}

.fc-chat__input:focus {
  border-color: var(--fc-accent);
  box-shadow: 0 0 0 2px rgba(5, 150, 105, 0.1);
}

.fc-chat__send {
  width: 42px;
  height: 42px;
  border: none;
  background: var(--fc-accent);
  color: #fff;
  border-radius: var(--fc-radius-sm);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: background var(--fc-transition-fast);
}

.fc-chat__send:hover {
  background: var(--fc-accent-hover);
}

.fc-chat__send:disabled {
  opacity: 0.5;
  cursor: not-allowed;
}

.fc-chat__limit {
  font-size: 0.75rem;
  color: var(--fc-muted);
  margin: 8px 0 0;
  text-align: center;
}

.fc-chat__disclaimer {
  font-size: 0.75rem;
  color: var(--fc-muted);
  padding: 10px 20px;
  border-top: 1px solid var(--fc-border);
  background: var(--fc-bg-secondary);
  text-align: center;
  margin: 0;
}

/* ─── SIDEBAR (fc-sidebar__* classes) ─────────────────── */
.fc-sidebar__card {
  background: var(--fc-bg);
  border: 1px solid #d1d5db;
  border-radius: var(--fc-radius-lg);
  padding: 24px;
  box-shadow: 0 2px 6px rgba(0,0,0,0.08);
}

.fc-sidebar__card + .fc-sidebar__card {
  margin-top: 20px;
}

.fc-sidebar__card-title {
  font-size: 1rem;
  font-weight: 600;
  margin-bottom: 16px;
  margin-top: 0;
  color: var(--fc-primary);
}

.fc-sidebar__card-text {
  font-size: 0.875rem;
  color: var(--fc-secondary);
  line-height: 1.55;
  margin-bottom: 16px;
}

/* CTA variant */
.fc-sidebar__cta {
  position: relative;
  overflow: hidden;
}

.fc-sidebar__cta-accent {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--fc-accent);
}

.fc-sidebar__cta-body {
  position: relative;
}

/* Calculator list */
.fc-sidebar__calc-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.fc-sidebar__calc-link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 10px 12px;
  border-radius: var(--fc-radius-sm);
  font-size: 0.9375rem;
  color: var(--fc-secondary);
  text-decoration: none;
  transition: background var(--fc-transition-fast), color var(--fc-transition-fast);
}

.fc-sidebar__calc-link:hover {
  background: var(--fc-accent-light);
  color: var(--fc-accent);
}

.fc-sidebar__calc-link svg {
  flex-shrink: 0;
  opacity: 0;
  transition: opacity var(--fc-transition-fast), transform var(--fc-transition-fast);
}

.fc-sidebar__calc-link:hover svg {
  opacity: 1;
  transform: translateX(2px);
}

.fc-sidebar__calc-name {
  flex: 1;
}

/* Ad placeholder */
.fc-sidebar__ad {
  text-align: center;
  background: var(--fc-bg-secondary);
  border: 1px dashed #d1d5db;
}

.fc-sidebar__ad-label {
  font-size: 0.6875rem;
  color: var(--fc-muted);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  font-weight: 500;
}

.fc-sidebar__ad-placeholder {
  min-height: 200px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 12px;
}

/* ─── SEO CONTENT sub-classes ────────────────────────────── */
.fc-seo-content__block {
  margin-bottom: 32px;
}

.fc-seo-content__heading {
  font-size: 1.375rem;
  font-weight: 600;
  color: var(--fc-primary);
  margin-top: 32px;
  margin-bottom: 16px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--fc-border);
}

.fc-seo-content__block:first-child .fc-seo-content__heading {
  margin-top: 0;
}

.fc-seo-content__text {
  color: var(--fc-secondary);
  line-height: 1.7;
}

.fc-seo-content__text p {
  margin-bottom: 12px;
}

/* FAQ icon (+/-) */
.fc-faq__icon {
  flex-shrink: 0;
  transition: transform var(--fc-transition);
}

.fc-faq__item--open .fc-faq__icon {
  transform: rotate(45deg);
}

.fc-faq__list {
  margin-top: 16px;
}

.fc-faq__answer[hidden] {
  display: none;
}

.fc-faq__answer:not([hidden]) {
  padding-bottom: 16px;
}

/* ─── FOOTER extras ─────────────────────────────────────── */
.fc-footer__col {
  display: flex;
  flex-direction: column;
}

.fc-footer__list {
  display: flex;
  flex-direction: column;
  gap: 10px;
  list-style: none;
  padding: 0;
  margin: 0;
}

.fc-footer__list a {
  font-size: 0.9375rem;
  color: #94a3b8;
  text-decoration: none;
  transition: color var(--fc-transition-fast);
}

.fc-footer__list a:hover {
  color: #fff;
}

.fc-footer__disclaimer {
  padding: 20px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.fc-footer__disclaimer p {
  font-size: 0.8125rem;
  color: #64748b;
  line-height: 1.6;
  margin: 0;
}

.fc-footer__badge {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 0.8125rem;
  color: #94a3b8;
}

/* ─── STATIC PAGES (about, legal, etc.) ────────────────── */

.fc-page {
  padding: 48px 0 64px;
}

.fc-container--narrow {
  max-width: 760px;
  margin-left: auto;
  margin-right: auto;
  padding-left: 24px;
  padding-right: 24px;
}

.fc-page__header {
  margin-bottom: 40px;
}

.fc-page__title {
  font-size: 2rem;
  font-weight: 700;
  color: var(--fc-primary);
  margin-bottom: 8px;
}

.fc-page__subtitle {
  font-size: 1.0625rem;
  color: var(--fc-secondary);
}

.fc-page__meta {
  font-size: 0.875rem;
  color: #94a3b8;
}

.fc-page__section {
  margin-bottom: 32px;
}

.fc-page__heading {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--fc-primary);
  margin-bottom: 12px;
}

.fc-page__content p {
  color: var(--fc-secondary);
  line-height: 1.7;
  margin-bottom: 12px;
}

.fc-page__content a {
  color: var(--fc-accent);
  text-decoration: underline;
}

.fc-page__cta {
  margin-top: 48px;
  padding-top: 32px;
  border-top: 1px solid #e2e8f0;
}

/* Legal pages */
.fc-legal__section {
  margin-bottom: 28px;
}

.fc-legal__section h2 {
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--fc-primary);
  margin-bottom: 10px;
}

.fc-legal__section p {
  color: var(--fc-secondary);
  line-height: 1.7;
  margin-bottom: 10px;
}

.fc-legal__section ul {
  margin: 8px 0 12px 24px;
  color: var(--fc-secondary);
  line-height: 1.7;
}

.fc-legal__section li {
  margin-bottom: 6px;
}

.fc-legal__section a {
  color: var(--fc-accent);
}

/* Contact form (kept for future use) */
.fc-contact-form__field {
  margin-bottom: 20px;
}

.fc-contact-form__field label {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--fc-primary);
  margin-bottom: 6px;
}

.fc-contact-form__field input,
.fc-contact-form__field select,
.fc-contact-form__field textarea {
  width: 100%;
  padding: 10px 14px;
  border: 1px solid #d1d5db;
  border-radius: 8px;
  font-size: 0.9375rem;
  font-family: inherit;
  color: var(--fc-primary);
  background: #fff;
}

.fc-contact-form__field textarea {
  resize: vertical;
}

.fc-contact-form__status {
  margin-top: 16px;
  padding: 12px 16px;
  border-radius: 8px;
  font-size: 0.9375rem;
}

.fc-contact-form__status--success {
  background: #ecfdf5;
  color: #059669;
}

.fc-contact-form__status--error {
  background: #fef2f2;
  color: #dc2626;
}

.fc-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 24px;
  font-size: 0.9375rem;
  font-weight: 600;
  border: none;
  border-radius: 8px;
  cursor: pointer;
  text-decoration: none;
  transition: background 0.2s;
}

.fc-btn--primary {
  background: var(--fc-accent);
  color: #fff;
}

.fc-btn--primary:hover {
  background: #047857;
}

.fc-btn--full {
  width: 100%;
  justify-content: center;
}

/* ─── ABOUT PAGE ───────────────────────────────────────── */

.fc-about-hero {
  padding: 80px 0 64px;
  text-align: center;
  background: #f0fdf4;
  border-bottom: 1px solid #d1fae5;
}

.fc-about-hero__label {
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--fc-accent);
  margin-bottom: 16px;
}

.fc-about-hero__title {
  font-size: 2.75rem;
  font-weight: 700;
  color: var(--fc-primary);
  line-height: 1.2;
  margin-bottom: 24px;
}

.fc-about-hero__title em {
  font-style: normal;
  color: var(--fc-accent);
}

.fc-about-hero__subtitle {
  font-size: 1.125rem;
  color: var(--fc-secondary);
  line-height: 1.7;
  max-width: 680px;
  margin: 0 auto;
}

.fc-about-section {
  padding: 64px 0;
}

.fc-about-section--gray {
  background: #f8fafc;
}

.fc-about-h2 {
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--fc-primary);
  margin-bottom: 20px;
}

/* Problem comparison */
.fc-about-problem {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}

.fc-about-problem__text p {
  color: var(--fc-secondary);
  line-height: 1.7;
  margin-bottom: 16px;
  font-size: 1rem;
}

.fc-about-problem__text p strong {
  color: var(--fc-primary);
}

.fc-about-problem__box {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.fc-about-problem__example {
  border: 1px solid #e2e8f0;
  border-radius: 12px;
  padding: 20px 24px;
  background: #fff;
}

.fc-about-problem__example--ours {
  border-color: var(--fc-accent);
  box-shadow: 0 4px 16px rgba(5, 150, 105, 0.1);
}

.fc-about-problem__label {
  display: block;
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #94a3b8;
  margin-bottom: 8px;
}

.fc-about-problem__example--ours .fc-about-problem__label {
  color: var(--fc-accent);
}

.fc-about-problem__result {
  display: block;
  font-size: 1rem;
  font-weight: 600;
  color: var(--fc-primary);
  margin-bottom: 12px;
}

.fc-about-problem__insights {
  display: flex;
  flex-direction: column;
  gap: 6px;
  margin-bottom: 12px;
}

.fc-about-problem__insights span {
  font-size: 0.875rem;
  color: var(--fc-secondary);
  padding-left: 16px;
  position: relative;
}

.fc-about-problem__insights span::before {
  content: '→';
  position: absolute;
  left: 0;
  color: var(--fc-accent);
  font-weight: 600;
}

.fc-about-problem__insights strong {
  color: var(--fc-accent);
  font-weight: 700;
}

.fc-about-problem__tag {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 600;
  padding: 4px 10px;
  border-radius: 6px;
}

.fc-about-problem__tag--basic {
  background: #f1f5f9;
  color: #94a3b8;
}

.fc-about-problem__tag--smart {
  background: #ecfdf5;
  color: var(--fc-accent);
}

/* Features grid */
.fc-about-features {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

.fc-about-feature {
  background: #fff;
  border: 1px solid #e2e8f0;
  border-radius: 12px;
  padding: 28px 24px;
}

.fc-about-feature__icon {
  margin-bottom: 16px;
}

.fc-about-feature__title {
  font-size: 1.0625rem;
  font-weight: 700;
  color: var(--fc-primary);
  margin-bottom: 8px;
}

.fc-about-feature__desc {
  font-size: 0.9375rem;
  color: var(--fc-secondary);
  line-height: 1.6;
}

/* Money scenarios */
.fc-about-scenarios {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.fc-about-scenario {
  text-align: center;
  padding: 32px 20px;
  background: #fff;
  border: 1px solid #e2e8f0;
  border-radius: 12px;
}

.fc-about-scenario__amount {
  font-size: 2rem;
  font-weight: 700;
  color: #dc2626;
  margin-bottom: 8px;
}

.fc-about-scenario__title {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--fc-primary);
  margin-bottom: 8px;
}

.fc-about-scenario__desc {
  font-size: 0.8125rem;
  color: var(--fc-secondary);
  line-height: 1.5;
}

/* CTA */
.fc-about-cta {
  padding: 80px 0;
  background: var(--fc-primary);
}

.fc-about-cta__title {
  font-size: 2rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: 12px;
}

.fc-about-cta__desc {
  font-size: 1.0625rem;
  color: rgba(255,255,255,0.7);
  margin-bottom: 32px;
}

.fc-about-cta__btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  background: var(--fc-accent);
  color: #fff;
  font-size: 1rem;
  font-weight: 600;
  border-radius: 8px;
  text-decoration: none;
  transition: background 0.2s;
}

.fc-about-cta__btn:hover {
  background: #047857;
}

/* ─── 20. Responsive — Tablet (max 1024px) ────────────────── */
@media (max-width: 1024px) {
  .fc-main-grid,
  .fc-layout__grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .fc-sidebar {
    width: 100%;
    position: static;
  }

  .fc-container--wide {
    padding-left: 24px;
    padding-right: 24px;
  }

  .fc-calc-grid {
    grid-template-columns: repeat(3, 1fr);
  }

  .fc-grid-3 {
    grid-template-columns: repeat(2, 1fr);
  }

  .fc-grid-4 {
    grid-template-columns: repeat(2, 1fr);
  }

  .fc-hero-dark {
    padding: 60px 0 72px;
  }

  .fc-hero-dark__grid {
    gap: 40px;
  }

  .fc-hero-dark__title {
    font-size: 2.75rem;
  }

  .fc-mockup {
    width: 360px;
  }

  .fc-mockup__value {
    font-size: 2.25rem;
  }

  .fc-stats-bar__grid {
    gap: 32px;
  }

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

  .fc-footer__grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 32px;
  }

  .fc-stats-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .fc-cta-banner {
    flex-direction: column;
    text-align: center;
    gap: 16px;
  }

  .fc-calc-form--2col {
    grid-template-columns: 1fr;
  }

  /* Admin responsive */
  .fc-admin__sidebar {
    width: 220px;
  }

  .fc-admin__main {
    margin-left: 220px;
  }

  .fc-about-problem {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .fc-about-features {
    grid-template-columns: repeat(2, 1fr);
  }

  .fc-about-scenarios {
    grid-template-columns: repeat(2, 1fr);
  }
}

/* ─── 21. Responsive — Mobile (max 768px) ─────────────────── */
@media (max-width: 768px) {
  body {
    font-size: 15px;
  }

  .fc-container {
    padding-left: 16px;
    padding-right: 16px;
  }

  /* Header mobile — hide desktop nav, show burger */
  .fc-header__nav {
    display: none;
  }

  .fc-header__burger {
    display: flex;
    align-items: center;
    justify-content: center;
  }

  .fc-pills {
    justify-content: flex-start;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    padding-bottom: 4px;
    flex-wrap: nowrap;
  }

  .fc-features {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .fc-steps {
    flex-direction: column;
    align-items: center;
    gap: 24px;
  }

  .fc-step__connector {
    display: none;
  }

  /* Hero mobile */
  .fc-hero-dark {
    padding: 48px 0 56px;
  }

  .fc-hero-dark__grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .fc-hero-dark__title {
    font-size: 2.25rem;
  }

  .fc-hero-dark__subtitle {
    font-size: 1rem;
  }

  .fc-hero-dark__actions {
    flex-direction: column;
    align-items: flex-start;
    gap: 16px;
  }

  .fc-hero-dark__cta {
    width: 100%;
    justify-content: center;
  }

  .fc-hero-dark__visual {
    justify-content: center;
  }

  .fc-mockup {
    width: 100%;
    max-width: 380px;
  }

  .fc-stats-bar__grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
  }

  .fc-stats-bar__divider {
    display: none;
  }

  .fc-container--wide {
    padding-left: 16px;
    padding-right: 16px;
  }

  /* Cards mobile */
  .fc-calc-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .fc-cat-group {
    margin-bottom: 32px;
  }

  /* Grid mobile */
  .fc-grid-2,
  .fc-grid-3,
  .fc-grid-4 {
    grid-template-columns: 1fr;
  }

  /* Calculator page mobile */
  .fc-calc-widget {
    padding: 24px;
    border-radius: var(--fc-radius-lg);
  }

  .fc-calc-results {
    padding: 24px;
    border-radius: var(--fc-radius-lg);
  }

  .fc-result-value {
    font-size: 1.75rem;
  }

  .fc-result-breakdown {
    grid-template-columns: 1fr;
  }

  .fc-calc-header__title {
    font-size: 1.5rem;
  }

  .fc-calc-form__grid {
    grid-template-columns: 1fr;
  }

  .fc-chat__messages {
    max-height: 300px;
  }

  .fc-footer__grid {
    grid-template-columns: 1fr 1fr;
  }

  h1 { font-size: 1.75rem; }
  h2 { font-size: 1.5rem; }
  h3 { font-size: 1.25rem; }

  /* Section spacing */
  .fc-section {
    padding-top: 40px;
    padding-bottom: 40px;
  }

  /* Buttons mobile — larger touch targets */
  .fc-btn {
    height: 50px;
    font-size: 1rem;
  }

  .fc-btn-sm {
    height: 40px;
    font-size: 0.875rem;
  }

  .fc-input,
  .fc-select {
    height: 50px;
    font-size: 1rem;
  }

  /* Footer mobile */
  .fc-footer__grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .fc-footer__bottom {
    flex-direction: column;
    gap: 16px;
    text-align: center;
  }

  /* Table mobile */
  .fc-amort-table__wrap {
    margin: 0 -16px;
    padding: 0 16px;
  }

  /* AI Chat mobile */
  .fc-ai-chat {
    border-radius: var(--fc-radius);
  }

  .fc-ai-chat__messages {
    max-height: 300px;
  }

  /* Sidebar mobile */
  .fc-sidebar {
    width: 100%;
  }

  /* Rate table mobile */
  .fc-rate-table {
    overflow-x: auto;
  }

  /* Stats grid mobile */
  .fc-stats-grid {
    grid-template-columns: 1fr 1fr;
  }

  /* Admin mobile */
  .fc-admin__sidebar {
    display: none;
  }

  .fc-admin__main {
    margin-left: 0;
    padding: 16px;
  }

  /* CTA banner mobile */
  .fc-cta-banner {
    padding: 24px;
    border-radius: var(--fc-radius);
  }

  .fc-about-hero {
    padding: 48px 0 40px;
  }

  .fc-about-hero__title {
    font-size: 1.75rem;
  }

  .fc-about-hero__subtitle {
    font-size: 1rem;
  }

  .fc-about-h2 {
    font-size: 1.375rem;
  }

  .fc-about-features {
    grid-template-columns: 1fr;
  }

  .fc-about-scenarios {
    grid-template-columns: 1fr;
  }

  .fc-about-section {
    padding: 40px 0;
  }

  .fc-about-cta {
    padding: 48px 0;
  }

  .fc-about-cta__title {
    font-size: 1.5rem;
  }
}

/* ─── Small mobile (max 480px) ─────────────────────────────── */
@media (max-width: 480px) {
  .fc-hero-dark__title {
    font-size: 1.875rem;
  }

  .fc-mockup__value {
    font-size: 2rem;
  }

  .fc-mockup__pie {
    width: 110px;
    height: 110px;
  }

  .fc-calc-widget {
    padding: 20px;
    border-radius: var(--fc-radius);
  }

  .fc-calc-results {
    padding: 20px;
  }

  .fc-result-value {
    font-size: 1.5rem;
  }

  .fc-stats-grid {
    grid-template-columns: 1fr;
  }

  .fc-calc-results__header {
    flex-direction: column;
    align-items: flex-start;
    gap: 12px;
  }

  .fc-result-item {
    padding: 16px;
  }

  .fc-ai-chat__messages {
    max-height: 250px;
    padding: 14px;
  }

  .fc-calc-grid {
    grid-template-columns: 1fr;
  }

  .fc-sidebar-card {
    padding: 20px;
  }
}

/* ─── 22. Print Styles ────────────────────────────────────── */
@media print {
  *,
  *::before,
  *::after {
    background: transparent !important;
    box-shadow: none !important;
    color: #000 !important;
    text-shadow: none !important;
  }

  body {
    font-size: 12pt;
    line-height: 1.5;
  }

  .fc-header,
  .fc-footer,
  .fc-sidebar,
  .fc-ai-chat,
  .fc-header__burger,
  .fc-mobile-menu,
  .fc-sidebar-ad,
  .fc-affiliate-cta,
  .fc-cta-banner,
  .fc-rate-table,
  .fc-hero__search,
  .fc-btn,
  .fc-admin__sidebar {
    display: none !important;
  }

  .fc-container {
    max-width: 100%;
    padding: 0;
  }

  .fc-main-grid {
    display: block;
  }

  .fc-calc-widget,
  .fc-calc-results,
  .fc-amort-table {
    border: 1px solid #ccc;
    page-break-inside: avoid;
  }

  .fc-calc-results {
    margin-top: 16px;
  }

  a[href]::after {
    content: " (" attr(href) ")";
    font-size: 0.8em;
    color: #666 !important;
  }

  h1, h2, h3, h4 {
    page-break-after: avoid;
  }

  .fc-amort-table th {
    background: #f0f0f0 !important;
  }

  .fc-result-value {
    font-size: 1.5rem;
  }
}

/* ─── 23. Focus & Accessibility ───────────────────────────── */
:focus-visible {
  outline: 2px solid var(--fc-accent);
  outline-offset: 2px;
}

.fc-btn:focus-visible,
.fc-input:focus-visible,
.fc-select:focus-visible {
  outline: none; /* handled by box-shadow rings above */
}

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}

/* High contrast tweaks */
@media (forced-colors: active) {
  .fc-btn {
    border: 1px solid ButtonText;
  }

  .fc-input,
  .fc-select {
    border: 1px solid ButtonText;
  }

  .fc-calc-card {
    border: 1px solid LinkText;
  }
}