/* FundReady 2.0 — Premium Fintech Design System */
:root {
  --navy:     #0A1628;
  --slate:    #1a2332;
  --card:     #1e2d3d;
  --card-hover: #243545;
  --teal:     #22d3a0;
  --teal-dim: rgba(34, 211, 160, 0.12);
  --green:    #22c55e;
  --amber:    #f59e0b;
  --red:      #ef4444;
  --silver:   #c8d4e8;
  --muted:    #8898aa;
  --border:   #2a3a4d;
  --white:    #ffffff;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  background: var(--navy);
  color: var(--silver);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

/* ── TYPOGRAPHY ── */
h1, h2, h3, h4 { color: var(--white); font-weight: 600; line-height: 1.2; }
h1 { font-size: clamp(2rem, 4vw, 3rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.25rem); }
h3 { font-size: 1.25rem; }
p { color: var(--silver); line-height: 1.75; }
a { color: var(--teal); text-decoration: none; }
a:hover { text-decoration: underline; }
.eyebrow {
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 12px;
}
.section-heading { color: var(--white); max-width: 600px; }

/* ── NAVBAR ── */
.navbar {
  position: sticky; top: 0; z-index: 100;
  background: rgba(10, 22, 40, 0.9);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  padding: 16px 40px;
}
.nav-inner { max-width: 1200px; margin: 0 auto; display: flex; align-items: center; justify-content: space-between; }
.nav-logo { font-size: 1.2rem; font-weight: 700; color: var(--white); letter-spacing: -0.02em; }
.nav-logo span { color: var(--teal); }
.nav-links { display: flex; align-items: center; gap: 28px; }
.nav-link { font-size: 0.88rem; font-weight: 500; color: var(--muted); text-decoration: none; transition: color 0.15s; }
.nav-link:hover { color: var(--white); text-decoration: none; }
.nav-cta {
  background: var(--teal); color: var(--navy) !important;
  font-size: 0.82rem; font-weight: 700;
  padding: 8px 20px; border-radius: 6px;
  text-decoration: none; transition: opacity 0.15s;
}
.nav-cta:hover { opacity: 0.85; text-decoration: none; }

.nav-lang-toggle { display: flex; align-items: center; gap: 4px; }
.nav-lang-btn {
  font-size: 0.75rem; font-weight: 600; letter-spacing: 0.05em;
  padding: 4px 10px; border-radius: 4px;
  color: var(--muted); text-decoration: none;
  background: transparent; border: 1px solid var(--border);
  transition: all 0.15s;
}
.nav-lang-btn:hover { color: var(--white); text-decoration: none; border-color: var(--muted); }
.nav-lang-btn.active { background: var(--teal-dim); color: var(--teal); border-color: var(--teal); }

/* ── BUTTONS ── */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 14px 28px; border-radius: 8px; font-size: 0.95rem; font-weight: 600;
  font-family: inherit; border: none; cursor: pointer; transition: all 0.15s; text-decoration: none;
}
.btn-primary { background: var(--teal); color: var(--navy); }
.btn-primary:hover { opacity: 0.9; transform: translateY(-1px); text-decoration: none; }
.btn-secondary { background: var(--card); color: var(--silver); border: 1px solid var(--border); }
.btn-secondary:hover { background: var(--card-hover); text-decoration: none; }
.btn-ghost { background: transparent; color: var(--teal); border: 1px solid var(--teal); }
.btn-sm { padding: 10px 20px; font-size: 0.85rem; }

/* ── CARDS ── */
.card {
  background: var(--card); border: 1px solid var(--border);
  border-radius: 12px; padding: 28px;
}
.card-sm { padding: 20px; border-radius: 10px; }
.card-header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 20px; }
.card-label { font-size: 0.7rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); }
.card-title { font-size: 1rem; font-weight: 600; color: var(--white); }

/* ── GRID SYSTEM ── */
.container { max-width: 1200px; margin: 0 auto; padding: 0 40px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }

/* ── SCORE DISPLAY ── */
.score-big {
  display: flex; align-items: baseline; gap: 12px;
  font-size: 5rem; font-weight: 700; color: var(--white); line-height: 1;
}
.score-big .score-max { font-size: 2rem; color: var(--muted); font-weight: 400; }
.score-change { font-size: 0.9rem; font-weight: 600; }
.score-change.up { color: var(--green); }
.score-change.down { color: var(--red); }
.score-label { font-size: 1.1rem; font-weight: 500; color: var(--teal); margin-top: 4px; }

/* Score bar */
.score-bar-track {
  height: 8px; background: var(--border); border-radius: 4px; overflow: hidden;
  margin: 16px 0 8px;
}
.score-bar-fill {
  height: 100%; border-radius: 4px; background: var(--teal);
  transition: width 0.5s ease;
}
.score-bar-fill.excellent { background: var(--green); }
.score-bar-fill.good { background: var(--teal); }
.score-bar-fill.fair { background: var(--amber); }
.score-bar-fill.needs-work { background: #fb923c; }
.score-bar-fill.limited { background: var(--red); }

/* Score color labels */
.score-excellent { color: var(--green); }
.score-good { color: var(--teal); }
.score-fair { color: var(--amber); }
.score-needs-work { color: #fb923c; }
.score-limited { color: var(--red); }

/* Badge */
.badge {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 4px 12px; border-radius: 20px;
  font-size: 0.78rem; font-weight: 600;
}
.badge-green { background: rgba(34, 197, 94, 0.12); color: var(--green); border: 1px solid rgba(34, 197, 94, 0.25); }
.badge-teal { background: var(--teal-dim); color: var(--teal); border: 1px solid rgba(34, 211, 160, 0.25); }
.badge-amber { background: rgba(245, 158, 11, 0.12); color: var(--amber); border: 1px solid rgba(245, 158, 11, 0.25); }
.badge-red { background: rgba(239, 68, 68, 0.12); color: var(--red); border: 1px solid rgba(239, 68, 68, 0.25); }
.badge-gray { background: rgba(136, 152, 170, 0.12); color: var(--muted); border: 1px solid rgba(136, 152, 170, 0.25); }

/* ── HERO SECTION ── */
.hero {
  position: relative; overflow: hidden;
  background: var(--navy);
  padding: 100px 40px 120px;
}
.hero-grid-bg {
  position: absolute; inset: 0; pointer-events: none;
  background-image:
    linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 48px 48px;
}
.hero-glow-right {
  position: absolute; top: -100px; right: -100px;
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(34,211,160,0.08) 0%, transparent 70%);
  border-radius: 50%;
}
.hero-inner {
  position: relative; max-width: 1200px; margin: 0 auto;
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 80px; align-items: center;
}
.hero-eyebrow { font-size: 0.8rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--teal); margin-bottom: 20px; }
.hero-headline { color: var(--white); margin-bottom: 20px; line-height: 1.1; }
.hero-sub { font-size: 1.05rem; color: var(--silver); max-width: 480px; line-height: 1.75; margin-bottom: 32px; }
.hero-actions { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; }
.hero-image-wrap { display: flex; justify-content: center; }
.hero-image-wrap img { width: 100%; max-width: 520px; border-radius: 16px; object-fit: cover; }

/* ── SECTION WRAPPER ── */
.section { padding: 80px 40px; }
.section-dark { background: var(--slate); }
.section-card { background: var(--card); border-top: 1px solid var(--border); }

/* ── FEATURE CARDS ── */
.feature-card {
  background: var(--card); border: 1px solid var(--border);
  border-radius: 12px; padding: 28px;
  transition: border-color 0.15s, transform 0.15s;
}
.feature-card:hover { border-color: var(--teal); transform: translateY(-2px); }
.feature-icon {
  width: 48px; height: 48px; border-radius: 10px;
  background: var(--teal-dim); color: var(--teal);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem; margin-bottom: 20px;
}
.feature-title { font-size: 1.05rem; font-weight: 600; color: var(--white); margin-bottom: 10px; }
.feature-body { font-size: 0.9rem; color: var(--muted); line-height: 1.7; }

/* ── STATS ROW ── */
.stats-row { display: flex; align-items: center; justify-content: center; gap: 64px; flex-wrap: wrap; }
.stat-item { text-align: center; }
.stat-value { font-size: 2rem; font-weight: 700; color: var(--white); }
.stat-label { font-size: 0.82rem; color: var(--muted); margin-top: 4px; }

/* ── PRICING CARD ── */
.pricing-card {
  background: var(--card); border: 1px solid var(--border);
  border-radius: 20px; padding: 48px;
  max-width: 400px; margin: 0 auto;
}
.pricing-amount { display: flex; align-items: flex-end; gap: 2px; margin-bottom: 8px; }
.pricing-dollar { font-size: 1.5rem; color: var(--muted); line-height: 1; padding-bottom: 8px; }
.pricing-number { font-size: 4.5rem; font-weight: 700; color: var(--teal); line-height: 1; }
.pricing-cents { font-size: 1.5rem; color: var(--teal); opacity: 0.6; line-height: 1; padding-bottom: 10px; }
.pricing-period { font-size: 1rem; color: var(--muted); padding-bottom: 10px; margin-left: 4px; }
.pricing-divider { height: 1px; background: var(--border); margin: 24px 0; }
.pricing-list { display: flex; flex-direction: column; gap: 14px; }
.pricing-item { display: flex; align-items: center; gap: 12px; font-size: 0.95rem; color: var(--silver); }
.pricing-item-check { color: var(--teal); flex-shrink: 0; }

/* ── FAQ ACCORDION ── */
.faq-item { border-bottom: 1px solid var(--border); }
.faq-q {
  display: flex; align-items: center; justify-content: space-between;
  padding: 20px 0; cursor: pointer; color: var(--white); font-size: 1rem; font-weight: 600;
  background: none; border: none; width: 100%; text-align: left; font-family: inherit;
}
.faq-q:hover { color: var(--teal); }
.faq-a { display: none; padding: 0 0 20px; color: var(--silver); font-size: 0.95rem; line-height: 1.75; }
.faq-item.open .faq-a { display: block; }
.faq-toggle { color: var(--teal); font-size: 1.2rem; transition: transform 0.2s; }
.faq-item.open .faq-toggle { transform: rotate(45deg); }

/* ── FORMS / INPUT ── */
.form-group { display: flex; flex-direction: column; gap: 8px; }
.form-label { font-size: 0.82rem; font-weight: 600; color: var(--silver); letter-spacing: 0.05em; }
.form-input {
  background: var(--card); border: 1px solid var(--border);
  border-radius: 8px; padding: 14px 16px;
  font-size: 1rem; color: var(--white); font-family: inherit;
  transition: border-color 0.15s; outline: none;
}
.form-input::placeholder { color: var(--muted); }
.form-input:focus { border-color: var(--teal); }
.form-hint { font-size: 0.82rem; color: var(--muted); }

/* ── TABLES ── */
.table-wrap { overflow-x: auto; }
table { width: 100%; border-collapse: collapse; }
th { text-align: left; font-size: 0.72rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); padding: 12px 16px; border-bottom: 1px solid var(--border); }
td { padding: 14px 16px; font-size: 0.9rem; color: var(--silver); border-bottom: 1px solid var(--border); }
tr:last-child td { border-bottom: none; }

/* ── DISCLAIMER ── */
.disclaimer { font-size: 0.78rem; color: var(--muted); line-height: 1.6; max-width: 600px; }
.disclaimer-box {
  background: rgba(245, 158, 11, 0.06); border: 1px solid rgba(245, 158, 11, 0.2);
  border-radius: 8px; padding: 16px 20px; margin-top: 20px;
}
.disclaimer-box p { color: rgba(245, 158, 11, 0.8); font-size: 0.85rem; }

/* ── FOOTER ── */
.footer {
  background: var(--slate); border-top: 1px solid var(--border);
  padding: 40px;
}
.footer-inner { max-width: 1200px; margin: 0 auto; text-align: center; }
.footer-logo { font-size: 1.1rem; font-weight: 700; color: var(--white); margin-bottom: 8px; }
.footer-logo span { color: var(--teal); }
.footer-links { display: flex; justify-content: center; gap: 32px; margin: 16px 0; flex-wrap: wrap; }
.footer-link { font-size: 0.85rem; color: var(--muted); }
.footer-link:hover { color: var(--silver); }
.footer-note { font-size: 0.78rem; color: var(--muted); line-height: 1.6; margin-top: 16px; }

/* ── LOGIN PAGE ── */
.login-page { min-height: 100vh; display: flex; align-items: center; justify-content: center; padding: 40px 20px; }
.login-card {
  background: var(--card); border: 1px solid var(--border);
  border-radius: 16px; padding: 48px; width: 100%; max-width: 440px;
}
.login-logo { font-size: 1.4rem; font-weight: 700; color: var(--white); margin-bottom: 32px; }
.login-logo span { color: var(--teal); }
.login-heading { font-size: 1.5rem; font-weight: 600; color: var(--white); margin-bottom: 8px; }
.login-sub { font-size: 0.9rem; color: var(--muted); margin-bottom: 32px; }
.login-form { display: flex; flex-direction: column; gap: 16px; }
.login-sent { text-align: center; }
.login-sent h2 { color: var(--teal); margin-bottom: 12px; }
.login-sent p { color: var(--silver); font-size: 0.9rem; line-height: 1.65; }
.login-resend { font-size: 0.85rem; color: var(--muted); margin-top: 16px; }
.login-error { background: rgba(239, 68, 68, 0.12); border: 1px solid rgba(239, 68, 68, 0.3); border-radius: 8px; padding: 12px 16px; font-size: 0.9rem; color: #fca5a5; }

/* ── DASHBOARD ── */
.dash-layout { display: grid; grid-template-columns: 240px 1fr; min-height: 100vh; }
.dash-sidebar {
  background: var(--slate); border-right: 1px solid var(--border);
  padding: 24px 0; position: sticky; top: 0; height: 100vh; overflow-y: auto;
}
.dash-logo { padding: 0 24px 24px; font-size: 1.2rem; font-weight: 700; color: var(--white); border-bottom: 1px solid var(--border); margin-bottom: 16px; }
.dash-logo span { color: var(--teal); }
.dash-nav { display: flex; flex-direction: column; }
.dash-nav-link {
  display: flex; align-items: center; gap: 10px;
  padding: 12px 24px; font-size: 0.9rem; color: var(--muted);
  text-decoration: none; border-left: 3px solid transparent; transition: all 0.15s;
}
.dash-nav-link:hover { color: var(--white); background: rgba(255,255,255,0.04); text-decoration: none; }
.dash-nav-link.active { color: var(--teal); border-left-color: var(--teal); background: var(--teal-dim); }
.dash-nav-section { font-size: 0.65rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); padding: 20px 24px 8px; }
.dash-sidebar-footer { margin-top: auto; padding: 16px 24px; border-top: 1px solid var(--border); }
.dash-smartcredit-status {
  display: flex; align-items: center; gap: 8px;
  font-size: 0.82rem; color: var(--muted); margin-bottom: 12px;
}
.status-dot { width: 8px; height: 8px; border-radius: 50%; background: var(--green); }
.dash-main { padding: 32px; max-width: 900px; }
.dash-page-title { font-size: 1.5rem; font-weight: 600; color: var(--white); margin-bottom: 4px; }
.dash-page-sub { font-size: 0.88rem; color: var(--muted); margin-bottom: 32px; }

/* Score Hero Card */
.score-hero-card {
  background: var(--card); border: 1px solid var(--border);
  border-radius: 16px; padding: 32px; margin-bottom: 24px;
}
.score-hero-top { display: flex; align-items: flex-start; justify-content: space-between; margin-bottom: 24px; }
.score-hero-label { font-size: 0.7rem; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: var(--muted); margin-bottom: 8px; }
.score-hero-score-row { display: flex; align-items: baseline; gap: 8px; }
.score-hero-num { font-size: 4rem; font-weight: 700; color: var(--white); line-height: 1; }
.score-hero-max { font-size: 1.5rem; color: var(--muted); font-weight: 400; }
.score-hero-meta { text-align: right; }
.score-hero-date { font-size: 0.82rem; color: var(--muted); }

/* Projection Row */
.projection-grid {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 12px; margin: 24px 0;
}
.projection-col {
  background: var(--slate); border: 1px solid var(--border);
  border-radius: 10px; padding: 20px; text-align: center;
}
.projection-label { font-size: 0.72rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); margin-bottom: 8px; }
.projection-score { font-size: 1.75rem; font-weight: 700; color: var(--white); }
.projection-delta { font-size: 0.82rem; font-weight: 600; margin-top: 4px; }
.projection-delta.up { color: var(--green); }
.projection-label-text { font-size: 0.8rem; color: var(--muted); margin-top: 4px; }

/* Approval Readiness Cards */
.approval-cards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin: 24px 0; }
.approval-card {
  background: var(--card); border: 1px solid var(--border);
  border-radius: 10px; padding: 20px; text-align: center;
}
.approval-type { font-size: 0.82rem; font-weight: 600; color: var(--muted); margin-bottom: 12px; text-transform: uppercase; letter-spacing: 0.08em; }
.approval-score { font-size: 1.5rem; font-weight: 700; margin-bottom: 8px; }
.approval-label { font-size: 0.82rem; font-weight: 600; }

/* Blockers + Gains */
.blocker-list { display: flex; flex-direction: column; gap: 12px; }
.blocker-item {
  display: flex; align-items: center; gap: 12px;
  background: var(--card); border: 1px solid var(--border); border-radius: 8px; padding: 14px 16px;
}
.blocker-rank { width: 28px; height: 28px; border-radius: 50%; background: var(--teal-dim); color: var(--teal); font-size: 0.8rem; font-weight: 700; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.blocker-content { flex: 1; }
.blocker-factor { font-size: 0.9rem; font-weight: 600; color: var(--white); }
.blocker-impact { font-size: 0.78rem; color: var(--muted); margin-top: 2px; }
.blocker-action { font-size: 0.8rem; color: var(--teal); font-weight: 500; }

/* Health Summary */
.health-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin: 24px 0; }
.health-card {
  background: var(--card); border: 1px solid var(--border); border-radius: 10px; padding: 20px;
}
.health-label { font-size: 0.78rem; color: var(--muted); margin-bottom: 8px; text-transform: uppercase; letter-spacing: 0.08em; }
.health-value { font-size: 1.25rem; font-weight: 700; color: var(--white); margin-bottom: 6px; }
.health-bar-track { height: 4px; background: var(--border); border-radius: 2px; }
.health-bar-fill { height: 100%; border-radius: 2px; }
.health-bar-fill.low { background: var(--green); }
.health-bar-fill.medium { background: var(--amber); }
.health-bar-fill.high { background: var(--red); }

/* Positives/Negatives columns */
.factor-cols { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin: 24px 0; }
.factor-list { display: flex; flex-direction: column; gap: 10px; }
.factor-item { display: flex; align-items: flex-start; gap: 10px; font-size: 0.9rem; padding: 10px 12px; background: var(--card); border: 1px solid var(--border); border-radius: 6px; }
.factor-dot { width: 8px; height: 8px; border-radius: 50%; flex-shrink: 0; margin-top: 6px; }
.factor-dot.pos { background: var(--green); }
.factor-dot.neg { background: var(--red); }

/* Score history chart */
.score-chart { margin: 24px 0; }
.chart-bars { display: flex; align-items: flex-end; gap: 8px; height: 120px; }
.chart-bar-wrap { flex: 1; display: flex; flex-direction: column; align-items: center; gap: 6px; }
.chart-bar {
  width: 100%; border-radius: 4px 4px 0 0;
  background: var(--teal); min-height: 4px;
  transition: height 0.4s ease;
}
.chart-bar.high { background: var(--green); }
.chart-bar.fair { background: var(--amber); }
.chart-bar.low { background: var(--red); }
.chart-label { font-size: 0.68rem; color: var(--muted); }

/* Upload state */
.upload-zone {
  border: 2px dashed var(--border); border-radius: 12px;
  padding: 48px; text-align: center; cursor: pointer;
  transition: border-color 0.15s, background 0.15s;
}
.upload-zone:hover { border-color: var(--teal); background: var(--teal-dim); }
.upload-zone-icon { font-size: 2rem; color: var(--teal); margin-bottom: 16px; }
.upload-zone-title { font-size: 1rem; font-weight: 600; color: var(--white); margin-bottom: 8px; }
.upload-zone-sub { font-size: 0.85rem; color: var(--muted); }

/* Empty state */
.empty-state { text-align: center; padding: 60px 20px; }
.empty-icon { font-size: 3rem; color: var(--muted); margin-bottom: 16px; }
.empty-title { font-size: 1.2rem; font-weight: 600; color: var(--white); margin-bottom: 8px; }
.empty-body { font-size: 0.9rem; color: var(--muted); max-width: 400px; margin: 0 auto 24px; }

/* Score freshness guard */
.freshness-guard {
  background: rgba(245, 158, 11, 0.08); border: 1px solid rgba(245, 158, 11, 0.25);
  border-radius: 8px; padding: 16px; font-size: 0.88rem; color: var(--amber); margin-top: 12px;
}

/* ── CHARTS (Score history) ── */
.chart-wrap { margin: 24px 0; }
.chart-x-labels { display: flex; justify-content: space-between; margin-top: 6px; }
.chart-label-sm { font-size: 0.68rem; color: var(--muted); }

/* ── HOW IT WORKS STEPS ── */
.steps-row { display: grid; grid-template-columns: repeat(5, 1fr); gap: 0; align-items: start; }
.step-item { padding: 0 16px; text-align: center; }
.step-num {
  width: 48px; height: 48px; border-radius: 50%;
  background: var(--teal-dim); color: var(--teal);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; font-weight: 700; margin: 0 auto 16px;
}
.step-title { font-size: 0.95rem; font-weight: 600; color: var(--white); margin-bottom: 8px; }
.step-body { font-size: 0.82rem; color: var(--muted); line-height: 1.6; }
.step-connector { height: 1px; background: var(--border); margin-top: 24px; flex: 1; }

/* ── FACTOR CARDS (What We Analyze) ── */
.factor-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.factor-card {
  background: var(--card); border: 1px solid var(--border);
  border-radius: 10px; padding: 20px;
}
.factor-card-title { font-size: 0.9rem; font-weight: 600; color: var(--white); margin-bottom: 6px; }
.factor-card-weight { font-size: 0.75rem; color: var(--teal); font-weight: 600; margin-bottom: 8px; }
.factor-card-desc { font-size: 0.82rem; color: var(--muted); line-height: 1.6; }

/* ── SAMPLE REPORT ── */
.report-sample-wrap {
  background: var(--card); border: 1px solid var(--border);
  border-radius: 16px; overflow: hidden;
}
.report-sample-header { background: var(--slate); padding: 16px 24px; display: flex; align-items: center; justify-content: space-between; }
.report-sample-title { font-size: 0.9rem; font-weight: 600; color: var(--white); }
.report-sample-badge { background: var(--teal-dim); color: var(--teal); font-size: 0.72rem; font-weight: 600; padding: 4px 12px; border-radius: 20px; border: 1px solid rgba(34,211,160,0.25); }
.report-sample-body { padding: 28px; }
.report-section { margin-bottom: 32px; }
.report-section:last-child { margin-bottom: 0; }
.report-section-title { font-size: 0.72rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); margin-bottom: 16px; padding-bottom: 8px; border-bottom: 1px solid var(--border); }

/* ── FOOTER LEGAL ── */
.legal-section { max-width: 720px; margin: 0 auto; }
.legal-section h2 { color: var(--white); font-size: 1.5rem; margin-bottom: 24px; padding-bottom: 16px; border-bottom: 1px solid var(--border); }
.legal-section h3 { color: var(--white); font-size: 1.1rem; margin: 28px 0 12px; }
.legal-section p { color: var(--silver); font-size: 0.9rem; line-height: 1.8; margin-bottom: 16px; }

/* ── MOBILE ── */
@media (max-width: 900px) {
  .container { padding: 0 20px; }
  .section { padding: 60px 20px; }
  .hero { padding: 60px 20px 80px; }
  .hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .hero-image-wrap { display: none; }
  .grid-3 { grid-template-columns: 1fr; }
  .grid-2 { grid-template-columns: 1fr; }
  .grid-4 { grid-template-columns: 1fr 1fr; }
  .steps-row { grid-template-columns: 1fr; gap: 24px; }
  .step-connector { display: none; }
  .projection-grid { grid-template-columns: 1fr 1fr; }
  .approval-cards { grid-template-columns: 1fr 1fr; }
  .health-grid { grid-template-columns: 1fr 1fr; }
  .factor-cols { grid-template-columns: 1fr; }
  .factor-grid { grid-template-columns: 1fr 1fr; }
  .dash-layout { grid-template-columns: 1fr; }
  .dash-sidebar { display: none; }
  .navbar { padding: 14px 20px; }
  .nav-links { gap: 16px; }
  .nav-link:not(.nav-cta) { display: none; }
}
@media (max-width: 480px) {
  .score-big { font-size: 3.5rem; }
  .projection-grid { grid-template-columns: 1fr 1fr; gap: 8px; }
  .grid-4 { grid-template-columns: 1fr; }
  .factor-grid { grid-template-columns: 1fr; }
  .login-card { padding: 32px 24px; }
  .health-grid { grid-template-columns: 1fr; }
}