/* ============================================================================
   MoneyTool.io — Loan Affordability Calculator Stylesheet
   Version: 3.0
   Scope: .loan-affordability-calculator-page
   ============================================================================ */

/* ============================================================================
   1. PAGE ROOT & THEME VARIABLES
   ============================================================================ */
.loan-affordability-calculator-page {
    --primary-color: #0f766e;
    --primary-hover: #0d5f59;
    --primary-soft: #ccfbf1;
    --primary-tint: #f0fdfa;

    --link-blue: #1d4ed8;
    --link-blue-hover: #1e40af;
    --link-blue-soft: #dbeafe;
    --link-blue-tint: #eff6ff;

    --text-primary: #0f172a;
    --text-secondary: #334155;
    --text-muted: #64748b;

    --bg-page: #f8fafc;
    --bg-card: #ffffff;
    --bg-soft: #f1f5f9;
    --bg-tint: #f8fafc;

    --border-light: #e2e8f0;
    --border-medium: #cbd5e1;

    --success: #059669;
    --warning: #d97706;
    --danger: #dc2626;

    --radius-sm: 6px;
    --radius-md: 8px;
    --radius-lg: 12px;

    --shadow-sm: 0 1px 2px rgba(15, 23, 42, 0.05);
    --shadow-md: 0 2px 6px rgba(15, 23, 42, 0.06);
    --shadow-lg: 0 6px 20px rgba(15, 23, 42, 0.08);

    --font-base: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;

    box-sizing: border-box;
    font-family: var(--font-base);
    color: var(--text-primary);
    background: var(--bg-page);
    line-height: 1.6;
}

.loan-affordability-calculator-page *,
.loan-affordability-calculator-page *::before,
.loan-affordability-calculator-page *::after {
    box-sizing: inherit;
}

/* ============================================================================
   2. VISIBLE BREADCRUMBS (aligned with .la-app-wrapper)
   ============================================================================ */
.breadcrumb-nav {
    max-width: 1230px;
    width: 100%;
    margin: 0 auto;
    padding: 18px 20px 0;
    box-sizing: border-box;
}

.breadcrumb-list {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 0;
    list-style: none;
    padding: 0;
    margin: 0;
    font-size: 0.875rem;
    line-height: 1.4;
    color: #64748b;
}

.breadcrumb-list li {
    display: inline-flex;
    align-items: center;
    padding: 0;
    margin: 0;
}

.breadcrumb-list li:not(:last-child)::after {
    content: '/';
    display: inline-block;
    margin: 0 8px;
    color: #cbd5e1;
    font-weight: 400;
    user-select: none;
}

.breadcrumb-list a {
    color: #0f766e;
    text-decoration: none;
    font-weight: 500;
    transition: color 0.15s ease;
}

.breadcrumb-list a:hover {
    color: #0d5f59;
    text-decoration: underline;
}

.breadcrumb-list [aria-current="page"] {
    color: #334155;
    font-weight: 600;
}

/* ============================================================================
   3. APP WRAPPER
   ============================================================================ */
.la-app-wrapper {
    max-width: 1230px;
    margin: 0 auto;
    padding: 24px 20px 60px;
}

/* ============================================================================
   4. PAGE HEADER
   ============================================================================ */
.la-header {
    text-align: center;
    max-width: 900px;
    margin: 0 auto 32px;
    padding: 8px 0;
}

.la-eyebrow {
    display: inline-block;
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--primary-color);
    background: var(--primary-soft);
    padding: 6px 14px;
    border-radius: 999px;
    margin-bottom: 14px;
}

.la-header h1 {
    font-size: clamp(1.6rem, 3.2vw, 2.4rem);
    font-weight: 800;
    line-height: 1.2;
    letter-spacing: -0.02em;
    color: var(--text-primary);
    margin: 0 0 14px;
}

.la-header p {
    font-size: 1.05rem;
    color: var(--text-secondary);
    line-height: 1.65;
    max-width: 780px;
    margin: 0 auto;
}

/* ============================================================================
   5. TOOLBAR
   ============================================================================ */
.la-toolbar {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: space-between;
    gap: 14px;
    background: var(--bg-card);
    border: 1px solid var(--border-light);
    border-radius: var(--radius-lg);
    padding: 14px 18px;
    margin-bottom: 22px;
    box-shadow: var(--shadow-sm);
}

.toolbar-group {
    display: flex;
    align-items: center;
    gap: 10px;
}

.color-label {
    font-size: 0.875rem;
    font-weight: 500;
    color: var(--text-secondary);
}

.color-picker-wrapper {
    position: relative;
    display: inline-flex;
    align-items: center;
}

.color-picker-input {
    width: 44px;
    height: 34px;
    padding: 2px;
    border: 1px solid var(--border-medium);
    border-radius: var(--radius-sm);
    background: var(--bg-card);
    cursor: pointer;
}

.toolbar-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
}

/* ============================================================================
   6. BUTTONS
   ============================================================================ */
.loan-affordability-calculator-page .btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 9px 16px;
    font-size: 0.875rem;
    font-weight: 600;
    line-height: 1;
    border-radius: var(--radius-sm);
    border: 1px solid transparent;
    cursor: pointer;
    transition: all 0.15s ease;
    white-space: nowrap;
    font-family: inherit;
}

.loan-affordability-calculator-page .btn:focus-visible {
    outline: 2px solid var(--primary-color);
    outline-offset: 2px;
}

.loan-affordability-calculator-page .btn-primary {
    background: var(--primary-color);
    color: #ffffff;
    border-color: var(--primary-color);
}

.loan-affordability-calculator-page .btn-primary:hover {
    background: var(--primary-hover);
    border-color: var(--primary-hover);
}

.loan-affordability-calculator-page .btn-secondary {
    background: var(--bg-soft);
    color: var(--text-primary);
    border-color: var(--border-medium);
}

.loan-affordability-calculator-page .btn-secondary:hover {
    background: var(--border-light);
}

.loan-affordability-calculator-page .btn-outline {
    background: transparent;
    color: var(--text-secondary);
    border-color: var(--border-medium);
}

.loan-affordability-calculator-page .btn-outline:hover {
    background: var(--bg-tint);
    color: var(--primary-color);
    border-color: var(--primary-color);
}

.loan-affordability-calculator-page .btn-danger-soft {
    background: #fef2f2;
    color: var(--danger);
    border-color: #fecaca;
}

.loan-affordability-calculator-page .btn-danger-soft:hover {
    background: #fee2e2;
    border-color: #fca5a5;
}

.loan-affordability-calculator-page .btn:disabled {
    opacity: 0.6;
    cursor: not-allowed;
}

/* ============================================================================
   7. WORKSPACE LAYOUT
   ============================================================================ */
.la-workspace {
    display: grid;
    grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
    gap: 24px;
    align-items: flex-start;
    margin-bottom: 40px;
}

/* ============================================================================
   8. EDITOR COLUMN — FORM
   ============================================================================ */
.editor-column {
    display: flex;
    flex-direction: column;
    gap: 18px;
}

.editor-card {
    background: var(--bg-card);
    border: 1px solid var(--border-light);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
}

.card-header {
    background: var(--bg-tint);
    padding: 14px 18px;
    border-bottom: 1px solid var(--border-light);
}

.card-header h3 {
    font-size: 0.95rem;
    font-weight: 700;
    letter-spacing: 0.01em;
    color: var(--text-primary);
    margin: 0;
}

.card-body {
    padding: 18px;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px 16px;
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 6px;
}

.form-group.full-width {
    grid-column: 1 / -1;
}

.form-group label {
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--text-secondary);
    letter-spacing: 0.005em;
}

.form-control {
    width: 100%;
    padding: 10px 12px;
    font-size: 0.95rem;
    font-family: inherit;
    color: var(--text-primary);
    background: var(--bg-card);
    border: 1px solid var(--border-medium);
    border-radius: var(--radius-sm);
    transition: border-color 0.15s ease, box-shadow 0.15s ease;
    -webkit-appearance: none;
    appearance: none;
}

.form-control:hover {
    border-color: #94a3b8;
}

.form-control:focus {
    outline: none;
    border-color: var(--primary-color);
    box-shadow: 0 0 0 3px rgba(15, 118, 110, 0.12);
}

textarea.form-control {
    resize: vertical;
    min-height: 60px;
    line-height: 1.5;
}

select.form-control {
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath fill='%2364748b' d='M6 8L0 0h12z'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 12px center;
    padding-right: 34px;
}

.form-hint {
    display: block;
    font-size: 0.78rem;
    color: var(--text-muted);
    line-height: 1.4;
    margin: 2px 0 0;
}

/* ============================================================================
   9. PREVIEW COLUMN
   ============================================================================ */
.la-preview-container {
    position: sticky;
    top: 20px;
}

.la-paper {
    background: #ffffff;
    border: 1px solid var(--border-light);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    position: relative;
}

.paper-accent-bar {
    height: 6px;
    width: 100%;
    background: var(--primary-color);
}

.paper-header {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    gap: 14px;
    padding: 18px 22px 14px;
    border-bottom: 1px solid var(--border-light);
}

.doc-title {
    font-size: 1rem;
    font-weight: 800;
    letter-spacing: 0.06em;
    color: var(--text-primary);
    margin: 0 0 3px;
}

.doc-subtitle {
    font-size: 0.78rem;
    color: var(--text-muted);
    margin: 0;
}

.paper-meta {
    text-align: right;
    font-size: 0.78rem;
    color: var(--text-muted);
    line-height: 1.5;
}

.meta-line strong {
    color: var(--text-secondary);
    font-weight: 600;
}

.paper-summary {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1px;
    background: var(--border-light);
    border-bottom: 1px solid var(--border-light);
}

.summary-item {
    background: var(--bg-tint);
    padding: 14px 16px;
    display: flex;
    flex-direction: column;
    gap: 4px;
}

.summary-label {
    font-size: 0.72rem;
    font-weight: 600;
    letter-spacing: 0.04em;
    text-transform: uppercase;
    color: var(--text-muted);
}

.summary-value {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--text-primary);
}

.paper-results {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 12px;
    padding: 18px 22px;
    border-bottom: 1px solid var(--border-light);
}

.result-card {
    background: var(--bg-tint);
    border: 1px solid var(--border-light);
    border-radius: var(--radius-md);
    padding: 14px;
    display: flex;
    flex-direction: column;
    gap: 6px;
    text-align: center;
}

.result-card.highlight {
    background: var(--primary-tint);
    border-color: var(--primary-soft);
}

.result-card.grand {
    background: #fef9c3;
    border-color: #fde68a;
}

.result-label {
    font-size: 0.72rem;
    font-weight: 600;
    letter-spacing: 0.05em;
    text-transform: uppercase;
    color: var(--text-muted);
}

.result-value {
    font-size: 1.15rem;
    font-weight: 800;
    color: var(--text-primary);
    letter-spacing: -0.01em;
}

.result-card.highlight .result-value { color: var(--primary-color); }
.result-card.grand .result-value    { color: #92400e; }

/* ============================================================================
   10. SCENARIOS (28% / 36% / 43% DTI)
   ============================================================================ */
.paper-scenarios {
    padding: 18px 22px;
    border-bottom: 1px solid var(--border-light);
}

.paper-scenarios h4 {
    font-size: 0.85rem;
    font-weight: 700;
    letter-spacing: 0.03em;
    text-transform: uppercase;
    color: var(--text-secondary);
    margin: 0 0 12px;
}

.scenario-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 10px;
}

.scenario-item {
    background: var(--bg-tint);
    border: 1px solid var(--border-light);
    border-radius: var(--radius-md);
    padding: 12px 14px;
    display: flex;
    flex-direction: column;
    gap: 4px;
}

.scenario-item.conservative {
    background: #f0fdf4;
    border-color: #bbf7d0;
}

.scenario-item.standard {
    background: var(--primary-tint);
    border-color: var(--primary-soft);
}

.scenario-item.aggressive {
    background: #fff7ed;
    border-color: #fed7aa;
}

.scenario-label {
    font-size: 0.68rem;
    font-weight: 700;
    letter-spacing: 0.04em;
    text-transform: uppercase;
    color: var(--text-muted);
}

.scenario-loan {
    font-size: 1.05rem;
    font-weight: 800;
    color: var(--text-primary);
    letter-spacing: -0.01em;
}

.scenario-item.standard .scenario-loan {
    color: var(--primary-color);
}

.scenario-detail {
    font-size: 0.75rem;
    color: var(--text-muted);
}

.scenario-detail strong {
    color: var(--text-secondary);
    font-weight: 700;
}

/* ============================================================================
   11. DTI ANALYSIS
   ============================================================================ */
.paper-dti-analysis {
    padding: 18px 22px;
    border-bottom: 1px solid var(--border-light);
}

.paper-dti-analysis h4 {
    font-size: 0.85rem;
    font-weight: 700;
    letter-spacing: 0.03em;
    text-transform: uppercase;
    color: var(--text-secondary);
    margin: 0 0 12px;
}

.dti-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 10px;
}

.dti-item {
    background: var(--bg-tint);
    border: 1px solid var(--border-light);
    border-radius: var(--radius-md);
    padding: 12px 14px;
    display: flex;
    flex-direction: column;
    gap: 4px;
    text-align: center;
}

.dti-label {
    font-size: 0.7rem;
    font-weight: 600;
    letter-spacing: 0.04em;
    text-transform: uppercase;
    color: var(--text-muted);
}

.dti-value {
    font-size: 1.05rem;
    font-weight: 800;
    color: var(--text-primary);
}

.dti-status {
    font-size: 0.75rem;
    font-weight: 600;
    color: var(--text-muted);
}

/* ============================================================================
   12. AFFORDABILITY BREAKDOWN
   ============================================================================ */
.paper-affordability-detail {
    padding: 18px 22px;
    border-bottom: 1px solid var(--border-light);
}

.paper-affordability-detail h4 {
    font-size: 0.85rem;
    font-weight: 700;
    letter-spacing: 0.03em;
    text-transform: uppercase;
    color: var(--text-secondary);
    margin: 0 0 12px;
}

.detail-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 10px 20px;
}

.detail-item {
    display: flex;
    justify-content: space-between;
    align-items: baseline;
    padding: 8px 0;
    border-bottom: 1px dashed var(--border-light);
}

.detail-item:last-child {
    border-bottom: none;
}

.detail-label {
    font-size: 0.85rem;
    color: var(--text-muted);
}

.detail-value {
    font-size: 0.9rem;
    font-weight: 700;
    color: var(--text-primary);
}

.detail-value.grand-value {
    color: var(--primary-color);
    font-size: 1rem;
}

/* ============================================================================
   13. FORMULA / METHODOLOGY BOX
   ============================================================================ */
.paper-formula {
    padding: 18px 22px;
    border-bottom: 1px solid var(--border-light);
}

.formula-box {
    background: var(--bg-soft);
    border-left: 3px solid var(--primary-color);
    border-radius: var(--radius-sm);
    padding: 14px 16px;
}

.formula-box h4 {
    font-size: 0.8rem;
    font-weight: 700;
    letter-spacing: 0.04em;
    text-transform: uppercase;
    color: var(--text-secondary);
    margin: 0 0 8px;
}

.formula-box p {
    font-size: 0.83rem;
    color: var(--text-secondary);
    line-height: 1.55;
    margin: 0 0 8px;
}

.formula-box p:last-child {
    margin-bottom: 0;
}

/* ============================================================================
   14. NOTES & SIGNATURE
   ============================================================================ */
.paper-notes {
    padding: 16px 22px;
    border-bottom: 1px solid var(--border-light);
}

.paper-notes strong {
    display: block;
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 0.04em;
    text-transform: uppercase;
    color: var(--text-muted);
    margin-bottom: 6px;
}

.paper-notes p {
    font-size: 0.88rem;
    color: var(--text-secondary);
    margin: 0;
    line-height: 1.5;
}

.paper-signature-block {
    padding: 18px 22px 22px;
}

.sig-notice {
    font-size: 0.78rem;
    color: var(--text-muted);
    line-height: 1.5;
    padding: 10px 12px;
    background: var(--bg-tint);
    border-radius: var(--radius-sm);
    margin-bottom: 18px;
}

.sig-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
}

.sig-item {
    display: flex;
    flex-direction: column;
    gap: 6px;
}

.sig-line {
    border-bottom: 1px solid var(--border-medium);
    height: 26px;
}

.sig-item span {
    font-size: 0.75rem;
    font-weight: 600;
    letter-spacing: 0.03em;
    text-transform: uppercase;
    color: var(--text-muted);
}

/* ============================================================================
   15. SEO CONTENT SECTION
   ============================================================================ */
.la-seo-container {
    display: flex;
    flex-direction: column;
    gap: 22px;
    margin-top: 20px;
}

.seo-card {
    background: var(--bg-card);
    border: 1px solid var(--border-light);
    border-radius: var(--radius-lg);
    padding: 28px 30px;
    box-shadow: var(--shadow-sm);
}

.seo-eyebrow {
    display: inline-block;
    font-size: 0.7rem;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--primary-color);
    background: var(--primary-soft);
    padding: 5px 12px;
    border-radius: 999px;
    margin-bottom: 12px;
}

.seo-card h2 {
    font-size: clamp(1.25rem, 2.4vw, 1.55rem);
    font-weight: 800;
    line-height: 1.3;
    letter-spacing: -0.015em;
    color: var(--text-primary);
    margin: 0 0 14px;
}

.seo-card h3 {
    font-size: 1.05rem;
    font-weight: 700;
    line-height: 1.4;
    color: var(--text-primary);
    margin: 20px 0 8px;
}

.seo-card h4 {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--text-primary);
    margin: 0 0 6px;
}

.seo-card p {
    font-size: 0.95rem;
    color: var(--text-secondary);
    line-height: 1.7;
    margin: 0 0 14px;
}

.seo-card p:last-child {
    margin-bottom: 0;
}

/* Teal links for authority/external sources */
.seo-card a {
    color: var(--primary-color);
    text-decoration: none;
    font-weight: 500;
    border-bottom: 1px solid rgba(15, 118, 110, 0.25);
    transition: border-color 0.15s ease, color 0.15s ease;
}

.seo-card a:hover {
    color: var(--primary-hover);
    border-bottom-color: var(--primary-hover);
}

.seo-card strong {
    color: var(--text-primary);
    font-weight: 700;
}

.seo-card sup {
    font-size: 0.7em;
    vertical-align: super;
}

/* ============================================================================
   16. STEPS GRID (How to Use)
   ============================================================================ */
.steps-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 14px;
    margin-top: 18px;
}

.step-box {
    background: var(--bg-tint);
    border: 1px solid var(--border-light);
    border-radius: var(--radius-md);
    padding: 18px 16px;
    position: relative;
    transition: border-color 0.15s ease, transform 0.15s ease;
}

.step-box:hover {
    border-color: var(--primary-soft);
    transform: translateY(-2px);
}

.step-num {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 30px;
    height: 30px;
    border-radius: 50%;
    background: var(--primary-color);
    color: #ffffff;
    font-size: 0.85rem;
    font-weight: 700;
    margin-bottom: 10px;
}

.step-box h3 {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--text-primary);
    margin: 0 0 6px;
}

.step-box p {
    font-size: 0.85rem;
    color: var(--text-muted);
    line-height: 1.55;
    margin: 0;
}

/* ============================================================================
   17. BENEFITS LIST
   ============================================================================ */
.benefits-list {
    list-style: none;
    padding: 0;
    margin: 0 0 14px;
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.benefits-list li {
    position: relative;
    padding-left: 26px;
    font-size: 0.92rem;
    color: var(--text-secondary);
    line-height: 1.6;
}

.benefits-list li::before {
    content: '';
    position: absolute;
    left: 0;
    top: 9px;
    width: 14px;
    height: 8px;
    border-left: 2px solid var(--primary-color);
    border-bottom: 2px solid var(--primary-color);
    transform: rotate(-45deg);
}

.benefits-list strong {
    color: var(--text-primary);
    font-weight: 700;
}

/* ============================================================================
   18. AUTHOR BOX
   ============================================================================ */
.author-box {
    border-left: 4px solid var(--primary-color);
    background: var(--bg-tint);
    border-radius: var(--radius-sm);
    padding: 16px 20px;
    margin: 16px 0;
    font-size: 0.92rem;
    line-height: 1.6;
    color: var(--text-secondary);
}

.author-box p {
    margin: 0 0 8px;
    font-size: 0.92rem;
    color: var(--text-secondary);
}

.author-box p:last-child {
    margin-bottom: 0;
}

.author-box strong {
    color: var(--text-primary);
    font-weight: 700;
}

.author-box a {
    color: var(--primary-color);
    font-weight: 600;
    text-decoration: none;
    border-bottom: 1px solid rgba(15, 118, 110, 0.3);
}

.author-box a:hover {
    border-bottom-color: var(--primary-hover);
    color: var(--primary-hover);
}

/* ============================================================================
   19. TIPS GRID
   ============================================================================ */
.tips-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
    gap: 14px;
    margin-top: 18px;
}

.tip-item {
    background: var(--bg-tint);
    border: 1px solid var(--border-light);
    border-radius: var(--radius-md);
    padding: 18px 16px;
    transition: border-color 0.15s ease, transform 0.15s ease;
}

.tip-item:hover {
    border-color: var(--primary-soft);
    transform: translateY(-2px);
}

.tip-icon {
    display: inline-block;
    font-size: 1.5rem;
    line-height: 1;
    margin-bottom: 8px;
}

.tip-item h4 {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--text-primary);
    margin: 0 0 6px;
}

.tip-item p {
    font-size: 0.85rem;
    color: var(--text-muted);
    line-height: 1.55;
    margin: 0;
}

/* ============================================================================
   20. RELATED CALCULATORS GRID — BLUE
   ============================================================================ */
.tools-link-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
    gap: 14px;
    margin-top: 14px;
}

.tool-link-card {
    display: block;
    background: var(--link-blue-tint);
    border: 1px solid var(--link-blue-soft);
    border-radius: var(--radius-md);
    padding: 16px 18px;
    text-decoration: none;
    transition: all 0.15s ease;
    color: inherit;
}

.tool-link-card:hover {
    border-color: var(--link-blue);
    background: var(--link-blue-soft);
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(29, 78, 216, 0.15);
}

.tool-link-card h4 {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--link-blue);
    margin: 0 0 6px;
    transition: color 0.15s ease;
}

.tool-link-card:hover h4 {
    color: var(--link-blue-hover);
    text-decoration: underline;
}

.tool-link-card p {
    font-size: 0.83rem;
    color: var(--text-muted);
    line-height: 1.5;
    margin: 0;
}

/* ============================================================================
   21. LEARNING CENTER GRID — BLUE
   ============================================================================ */
.learning-topics-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
    gap: 14px;
    margin-top: 14px;
}

.learning-topic-card {
    display: block;
    background: var(--link-blue-tint);
    border: 1px solid var(--link-blue-soft);
    border-radius: var(--radius-md);
    padding: 18px;
    text-decoration: none;
    transition: all 0.15s ease;
    color: inherit;
}

.learning-topic-card:hover {
    border-color: var(--link-blue);
    background: var(--link-blue-soft);
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(29, 78, 216, 0.15);
}

.topic-icon {
    display: inline-block;
    font-size: 1.4rem;
    line-height: 1;
    margin-bottom: 8px;
}

.learning-topic-card h4 {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--link-blue);
    margin: 0 0 6px;
    transition: color 0.15s ease;
}

.learning-topic-card:hover h4 {
    color: var(--link-blue-hover);
    text-decoration: underline;
}

.learning-topic-card p {
    font-size: 0.83rem;
    color: var(--text-muted);
    line-height: 1.55;
    margin: 0;
}

/* ============================================================================
   22. FAQ ITEMS
   ============================================================================ */
.faq-item {
    border-top: 1px solid var(--border-light);
    padding: 16px 0;
}

.faq-item:first-of-type {
    border-top: none;
    padding-top: 6px;
}

.faq-item h3 {
    font-size: 1rem;
    font-weight: 700;
    color: var(--text-primary);
    margin: 0 0 8px;
    line-height: 1.45;
}

.faq-item p {
    font-size: 0.92rem;
    color: var(--text-secondary);
    line-height: 1.65;
    margin: 0;
}

/* ============================================================================
   23. LEGAL CONTENT
   ============================================================================ */
.legal-content p {
    font-size: 0.9rem;
    color: var(--text-secondary);
    line-height: 1.7;
    margin: 0 0 14px;
}

.legal-note {
    font-size: 0.83rem;
    color: var(--text-muted);
    line-height: 1.6;
    background: var(--bg-tint);
    border-left: 3px solid var(--primary-color);
    border-radius: var(--radius-sm);
    padding: 12px 16px;
    margin-top: 16px;
}

.legal-note strong {
    color: var(--text-secondary);
    font-weight: 700;
}

/* ============================================================================
   24. RESPONSIVE — TABLET (≤1024px)
   ============================================================================ */
@media (max-width: 1024px) {
    .la-workspace {
        grid-template-columns: 1fr;
    }

    .la-preview-container {
        position: static;
    }
}

/* ============================================================================
   25. RESPONSIVE — MOBILE (≤640px)
   ============================================================================ */
@media (max-width: 640px) {
    .breadcrumb-nav {
        padding: 14px 16px 0;
    }

    .breadcrumb-list {
        font-size: 0.8rem;
    }

    .breadcrumb-list li:not(:last-child)::after {
        margin: 0 6px;
    }

    .card-body {
        grid-template-columns: 1fr;
    }

    .paper-results {
        grid-template-columns: 1fr;
    }

    .scenario-grid,
    .dti-grid {
        grid-template-columns: 1fr;
    }

    .seo-card {
        padding: 22px 20px;
    }
}

/* ============================================================================
   26. RESPONSIVE — SMALL MOBILE (≤480px)
   ============================================================================ */
@media (max-width: 480px) {
    .paper-summary {
        grid-template-columns: 1fr;
    }

    .detail-grid {
        grid-template-columns: 1fr;
    }
}

/* ============================================================================
   27. PRINT STYLES
   ============================================================================ */
@media print {
    .la-toolbar,
    .breadcrumb-nav,
    .la-seo-container,
    .editor-column {
        display: none !important;
    }

    .la-workspace {
        display: block;
    }

    .la-preview-container {
        position: static;
    }

    .la-paper {
        box-shadow: none;
        border: 1px solid #d1d5db;
        page-break-inside: avoid;
    }

    .loan-affordability-calculator-page {
        background: #ffffff;
    }

    .la-paper * {
        -webkit-print-color-adjust: exact;
        print-color-adjust: exact;
    }
}

/* ============================================================================
   28. ACCESSIBILITY — REDUCED MOTION
   ============================================================================ */
@media (prefers-reduced-motion: reduce) {
    .loan-affordability-calculator-page *,
    .loan-affordability-calculator-page *::before,
    .loan-affordability-calculator-page *::after {
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.01ms !important;
    }

    .tool-link-card:hover,
    .learning-topic-card:hover,
    .step-box:hover,
    .tip-item:hover {
        transform: none;
    }
}