/* Critical CSS - Load inline for performance */
:root {
    --primary-navy: #0B2B5A;
    --accent-teal: #00C2B2;
    --light-bg: #F8FAFC;
    --white: #FFFFFF;
    --gray-100: #F1F5F9;
    --gray-200: #E2E8F0;
    --gray-600: #475569;
    --gray-800: #1E293B;
    --success: #10B981;
    --warning: #F59E0B;
    --error: #EF4444;
    --shadow-sm: 0 1px 2px 0 rgb(0 0 0 / 0.05);
    --shadow-md: 0 4px 6px -1px rgb(0 0 0 / 0.1);
    --shadow-lg: 0 10px 15px -3px rgb(0 0 0 / 0.1);
    --border-radius: 12px;
    --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

body {
    font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    line-height: 1.6;
    color: var(--gray-800);
    background-color: var(--light-bg);
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

/* Navigation */
.navbar {
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(10px);
    border-bottom: 1px solid var(--gray-200);
    position: fixed;
    top: 0;
    width: 100%;
    z-index: 1000;
    transition: var(--transition);
}

.nav-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 70px;
}

.nav-logo svg {
    transition: var(--transition);
}

.nav-logo:hover svg {
    transform: scale(1.05);
}

.nav-menu {
    display: flex;
    list-style: none;
    gap: 32px;
    align-items: center;
}

.nav-menu a {
    text-decoration: none;
    color: var(--gray-600);
    font-weight: 500;
    transition: var(--transition);
    position: relative;
}

.nav-menu a:hover,
.nav-menu a:focus {
    color: var(--primary-navy);
}

.nav-menu a::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--accent-teal);
    transition: var(--transition);
}

.nav-menu a:hover::after,
.nav-menu a:focus::after {
    width: 100%;
}

.cta-button {
    background: var(--accent-teal);
    color: var(--white);
    border: none;
    padding: 12px 24px;
    border-radius: var(--border-radius);
    font-weight: 600;
    cursor: pointer;
    transition: var(--transition);
    box-shadow: var(--shadow-sm);
}

.cta-button:hover,
.cta-button:focus {
    background: #00A89A;
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

/* Hero Section */
.hero {
    padding: 120px 20px 80px;
    display: flex;
    align-items: center;
    min-height: 100vh;
    background: linear-gradient(135deg, var(--light-bg) 0%, #E0F2FE 100%);
    position: relative;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: 0;
    right: 0;
    width: 50%;
    height: 100%;
    background: linear-gradient(45deg, transparent 30%, rgba(0, 194, 178, 0.1) 70%);
    z-index: 1;
}

.hero-content {
    max-width: 1200px;
    margin: 0 auto;
    text-align: center;
    position: relative;
    z-index: 2;
}

.hero-title {
    font-size: clamp(2.5rem, 5vw, 4rem);
    font-weight: 800;
    color: var(--primary-navy);
    line-height: 1.1;
    margin-bottom: 24px;
}

.hero-description {
    font-size: 1.25rem;
    color: var(--gray-600);
    margin-bottom: 48px;
    line-height: 1.6;
    max-width: 800px;
    margin-left: auto;
    margin-right: auto;
}

.hero-features {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 32px;
    margin-top: 48px;
}

.feature-item {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    text-align: left;
    padding: 24px;
    background: rgba(255, 255, 255, 0.7);
    backdrop-filter: blur(10px);
    border-radius: var(--border-radius);
    border: 1px solid rgba(255, 255, 255, 0.2);
    transition: var(--transition);
}

.feature-item:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}

.feature-icon {
    font-size: 2rem;
    flex-shrink: 0;
}

.feature-text h3 {
    font-size: 1.1rem;
    color: var(--primary-navy);
    margin-bottom: 8px;
    font-weight: 600;
}

.feature-text p {
    color: var(--gray-600);
    font-size: 0.95rem;
    line-height: 1.5;
    margin: 0;
}



/* Glass Card Effect */
.glass-card {
    background: rgba(255, 255, 255, 0.7);
    backdrop-filter: blur(10px);
    border: 1px solid rgba(255, 255, 255, 0.2);
    border-radius: var(--border-radius);
    box-shadow: var(--shadow-md);
    transition: var(--transition);
}

.glass-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}

/* Products Section */
.products {
    padding: 80px 20px;
    background: var(--white);
}

.products h2 {
    text-align: center;
    font-size: 2.5rem;
    color: var(--primary-navy);
    margin-bottom: 60px;
}

.products-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 32px;
}

.product-card {
    padding: 32px;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.product-card.featured {
    border: 2px solid var(--accent-teal);
    transform: scale(1.05);
}

.featured-badge {
    position: absolute;
    top: 16px;
    right: 16px;
    background: var(--accent-teal);
    color: var(--white);
    padding: 4px 12px;
    border-radius: 20px;
    font-size: 0.8rem;
    font-weight: 600;
}

.product-card h3 {
    font-size: 1.5rem;
    color: var(--primary-navy);
    margin-bottom: 16px;
}

.rate {
    font-size: 2rem;
    font-weight: 800;
    color: var(--accent-teal);
    margin-bottom: 24px;
}

.product-card ul {
    list-style: none;
    margin-bottom: 32px;
    text-align: left;
}

.product-card li {
    padding: 8px 0;
    position: relative;
    padding-left: 24px;
}

.product-card li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--success);
    font-weight: bold;
}

.product-cta {
    background: var(--primary-navy);
    color: var(--white);
    border: none;
    padding: 12px 24px;
    border-radius: var(--border-radius);
    font-weight: 600;
    cursor: pointer;
    transition: var(--transition);
    width: 100%;
}

.product-cta:hover,
.product-cta:focus {
    background: var(--accent-teal);
    transform: translateY(-2px);
}

/* Cards Section */
.cards {
    padding: 80px 20px;
    background: var(--light-bg);
}

.cards h2 {
    text-align: center;
    font-size: 2.5rem;
    color: var(--primary-navy);
    margin-bottom: 60px;
}

.cards-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 32px;
    margin-bottom: 60px;
}

.card-tier {
    padding: 32px;
    text-align: center;
}

.card-tier h3 {
    font-size: 1.5rem;
    color: var(--primary-navy);
    margin-bottom: 16px;
}

.apr {
    font-size: 1.2rem;
    color: var(--gray-600);
    margin-bottom: 24px;
}

.benefits h4 {
    color: var(--primary-navy);
    margin-bottom: 16px;
}

.benefits ul {
    list-style: none;
    text-align: left;
}

.benefits li {
    padding: 6px 0;
    position: relative;
    padding-left: 20px;
}

.benefits li::before {
    content: '•';
    position: absolute;
    left: 0;
    color: var(--accent-teal);
    font-weight: bold;
}

/* Calculator */
.calculator {
    padding: 32px;
    max-width: 600px;
    margin: 0 auto;
}

.calculator h3 {
    text-align: center;
    color: var(--primary-navy);
    margin-bottom: 32px;
}

.calc-inputs {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
    margin-bottom: 32px;
}

.input-group {
    display: flex;
    flex-direction: column;
}

.input-group label {
    font-weight: 600;
    margin-bottom: 8px;
    color: var(--primary-navy);
}

.input-group input {
    padding: 12px;
    border: 2px solid var(--gray-200);
    border-radius: var(--border-radius);
    font-size: 1rem;
    transition: var(--transition);
}

.input-group input:focus {
    outline: none;
    border-color: var(--accent-teal);
    box-shadow: 0 0 0 3px rgba(0, 194, 178, 0.1);
}

.input-group input[type="range"] {
    -webkit-appearance: none;
    height: 6px;
    background: var(--gray-200);
    border-radius: 3px;
    outline: none;
}

.input-group input[type="range"]::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 20px;
    height: 20px;
    background: var(--accent-teal);
    border-radius: 50%;
    cursor: pointer;
}

.range-value {
    font-weight: 600;
    color: var(--accent-teal);
    margin-top: 4px;
}

.calc-results {
    display: grid;
    gap: 16px;
}

.result-item {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 16px;
    background: rgba(11, 43, 90, 0.05);
    border-radius: var(--border-radius);
}

.result-label {
    font-weight: 600;
    color: var(--primary-navy);
}

.result-value {
    font-size: 1.2rem;
    font-weight: 800;
    color: var(--accent-teal);
}

/* Pricing Section */
.pricing {
    padding: 80px 20px;
    background: var(--white);
}

.pricing h2 {
    text-align: center;
    font-size: 2.5rem;
    color: var(--primary-navy);
    margin-bottom: 60px;
}

.pricing-table {
    max-width: 800px;
    margin: 0 auto;
    overflow-x: auto;
}

.pricing-table table {
    width: 100%;
    border-collapse: collapse;
    background: var(--white);
    border-radius: var(--border-radius);
    overflow: hidden;
    box-shadow: var(--shadow-md);
}

.pricing-table th,
.pricing-table td {
    padding: 20px;
    text-align: left;
    border-bottom: 1px solid var(--gray-200);
}

.pricing-table th {
    background: var(--primary-navy);
    color: var(--white);
    font-weight: 600;
}

.price-free {
    color: var(--success);
    font-weight: 700;
}

.price-low {
    color: var(--warning);
    font-weight: 700;
}

.price-expensive {
    color: var(--error);
    font-weight: 700;
}

/* Eligibility Section */
.eligibility {
    padding: 80px 20px;
    background: var(--light-bg);
}

.eligibility h2 {
    text-align: center;
    font-size: 2.5rem;
    color: var(--primary-navy);
    margin-bottom: 60px;
}

.eligibility-form {
    max-width: 600px;
    margin: 0 auto;
    padding: 40px;
}

.form-group {
    margin-bottom: 32px;
}

.form-group label {
    display: block;
    font-weight: 600;
    margin-bottom: 12px;
    color: var(--primary-navy);
}

.toggle-group {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(120px, 1fr));
    gap: 8px;
}

.toggle-btn {
    padding: 12px 16px;
    border: 2px solid var(--gray-200);
    background: var(--white);
    border-radius: var(--border-radius);
    cursor: pointer;
    transition: var(--transition);
    font-weight: 500;
}

.toggle-btn:hover,
.toggle-btn:focus {
    border-color: var(--accent-teal);
}

.toggle-btn.active {
    background: var(--accent-teal);
    color: var(--white);
    border-color: var(--accent-teal);
}

select {
    width: 100%;
    padding: 12px;
    border: 2px solid var(--gray-200);
    border-radius: var(--border-radius);
    font-size: 1rem;
    background: var(--white);
    transition: var(--transition);
}

select:focus {
    outline: none;
    border-color: var(--accent-teal);
    box-shadow: 0 0 0 3px rgba(0, 194, 178, 0.1);
}

.check-eligibility-btn {
    width: 100%;
    background: var(--primary-navy);
    color: var(--white);
    border: none;
    padding: 16px;
    border-radius: var(--border-radius);
    font-size: 1.1rem;
    font-weight: 600;
    cursor: pointer;
    transition: var(--transition);
}

.check-eligibility-btn:hover,
.check-eligibility-btn:focus {
    background: var(--accent-teal);
    transform: translateY(-2px);
}

.eligibility-result {
    margin-top: 32px;
    padding: 24px;
    border-radius: var(--border-radius);
    animation: slideIn 0.5s ease-out;
}

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

.result-approved {
    background: rgba(16, 185, 129, 0.1);
    border: 2px solid var(--success);
    color: var(--success);
}

.result-conditional {
    background: rgba(245, 158, 11, 0.1);
    border: 2px solid var(--warning);
    color: var(--warning);
}

.result-declined {
    background: rgba(239, 68, 68, 0.1);
    border: 2px solid var(--error);
    color: var(--error);
}

/* Blog Section */
.blog {
    padding: 80px 20px;
    background: var(--white);
}

.blog h2 {
    text-align: center;
    font-size: 2.5rem;
    color: var(--primary-navy);
    margin-bottom: 60px;
}

.blog-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 32px;
}

.blog-post {
    padding: 32px;
    transition: var(--transition);
}

.post-meta {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 16px;
    font-size: 0.9rem;
    color: var(--gray-600);
}

.category {
    background: var(--accent-teal);
    color: var(--white);
    padding: 4px 12px;
    border-radius: 20px;
    font-weight: 600;
}

.blog-post h3 {
    font-size: 1.3rem;
    color: var(--primary-navy);
    margin-bottom: 16px;
    line-height: 1.4;
}

.blog-post p {
    color: var(--gray-600);
    margin-bottom: 20px;
    line-height: 1.6;
}

.read-more {
    color: var(--accent-teal);
    text-decoration: none;
    font-weight: 600;
    transition: var(--transition);
}

.read-more:hover,
.read-more:focus {
    color: var(--primary-navy);
}

/* Contact Section */
.contact {
    padding: 80px 20px;
    background: var(--light-bg);
}

.contact h2 {
    text-align: center;
    font-size: 2.5rem;
    color: var(--primary-navy);
    margin-bottom: 60px;
}

.contact-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    max-width: 1000px;
    margin: 0 auto;
}

.contact-info h3 {
    color: var(--primary-navy);
    margin-bottom: 32px;
    font-size: 1.5rem;
}

.contact-item {
    margin-bottom: 32px;
}

.contact-item strong {
    display: block;
    color: var(--primary-navy);
    margin-bottom: 8px;
}

.contact-form {
    padding: 40px;
}

.contact-form .form-group {
    margin-bottom: 24px;
}

.contact-form label {
    display: block;
    font-weight: 600;
    margin-bottom: 8px;
    color: var(--primary-navy);
}

.contact-form input,
.contact-form textarea {
    width: 100%;
    padding: 12px;
    border: 2px solid var(--gray-200);
    border-radius: var(--border-radius);
    font-size: 1rem;
    transition: var(--transition);
    font-family: inherit;
}

.contact-form input:focus,
.contact-form textarea:focus {
    outline: none;
    border-color: var(--accent-teal);
    box-shadow: 0 0 0 3px rgba(0, 194, 178, 0.1);
}

.submit-btn {
    width: 100%;
    background: var(--primary-navy);
    color: var(--white);
    border: none;
    padding: 16px;
    border-radius: var(--border-radius);
    font-size: 1.1rem;
    font-weight: 600;
    cursor: pointer;
    transition: var(--transition);
}

.submit-btn:hover,
.submit-btn:focus {
    background: var(--accent-teal);
    transform: translateY(-2px);
}

/* Footer */
.footer {
    background: var(--primary-navy);
    color: var(--white);
    padding: 60px 20px 20px;
}

.footer-content {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 40px;
    margin-bottom: 40px;
}

.footer-section h4 {
    margin-bottom: 20px;
    color: var(--accent-teal);
}

.footer-section ul {
    list-style: none;
}

.footer-section li {
    margin-bottom: 8px;
}

.footer-section a {
    color: rgba(255, 255, 255, 0.8);
    text-decoration: none;
    transition: var(--transition);
}

.footer-section a:hover,
.footer-section a:focus {
    color: var(--accent-teal);
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.2);
    padding-top: 20px;
    text-align: center;
    color: rgba(255, 255, 255, 0.7);
}

.disclaimer {
    font-size: 0.9rem;
    margin-top: 8px;
}

/* Modal */
.modal {
    display: none;
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(0, 0, 0, 0.5);
    z-index: 2000;
    backdrop-filter: blur(4px);
}

.modal-content {
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    background: var(--white);
    border-radius: var(--border-radius);
    width: 90%;
    max-width: 500px;
    max-height: 90vh;
    overflow-y: auto;
    box-shadow: var(--shadow-lg);
    animation: modalSlideIn 0.3s ease-out;
}

@keyframes modalSlideIn {
    from {
        opacity: 0;
        transform: translate(-50%, -60%);
    }
    to {
        opacity: 1;
        transform: translate(-50%, -50%);
    }
}

.modal-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 24px 32px;
    border-bottom: 1px solid var(--gray-200);
}

.modal-header h2 {
    color: var(--primary-navy);
    margin: 0;
}

.modal-close {
    background: none;
    border: none;
    font-size: 1.5rem;
    cursor: pointer;
    color: var(--gray-600);
    transition: var(--transition);
    width: 32px;
    height: 32px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
}

.modal-close:hover,
.modal-close:focus {
    background: var(--gray-100);
    color: var(--primary-navy);
}

.signup-form {
    padding: 32px;
}

.signup-form .form-group {
    margin-bottom: 24px;
}

.signup-form label {
    display: block;
    font-weight: 600;
    margin-bottom: 8px;
    color: var(--primary-navy);
}

.signup-form input,
.signup-form select {
    width: 100%;
    padding: 12px;
    border: 2px solid var(--gray-200);
    border-radius: var(--border-radius);
    font-size: 1rem;
    transition: var(--transition);
}

.signup-form input:focus,
.signup-form select:focus {
    outline: none;
    border-color: var(--accent-teal);
    box-shadow: 0 0 0 3px rgba(0, 194, 178, 0.1);
}

.signup-form input.error,
.signup-form select.error {
    border-color: var(--error);
}

.error-message {
    display: block;
    color: var(--error);
    font-size: 0.9rem;
    margin-top: 4px;
    min-height: 20px;
}

.checkbox-group {
    display: flex;
    align-items: flex-start;
    gap: 12px;
}

.checkbox-label {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    cursor: pointer;
    line-height: 1.5;
}

.checkbox-label input[type="checkbox"] {
    width: auto;
    margin: 0;
}

.checkmark {
    flex-shrink: 0;
}

/* Responsive Design */
@media (max-width: 768px) {
    .nav-menu {
        display: none;
    }
    
    .hero-features {
        grid-template-columns: 1fr;
    }
    
    .hero-title {
        font-size: 2.5rem;
    }
    
    .contact-content {
        grid-template-columns: 1fr;
    }
    
    .calc-inputs {
        grid-template-columns: 1fr;
    }
    
    .toggle-group {
        grid-template-columns: 1fr 1fr;
    }
    
    .modal-content {
        width: 95%;
        margin: 20px;
    }
    
    .signup-form,
    .modal-header {
        padding: 20px;
    }
}

@media (max-width: 480px) {
    .hero {
        padding: 100px 20px 60px;
    }
    
    .hero-title {
        font-size: 2rem;
    }
    
    .products,
    .cards,
    .pricing,
    .eligibility,
    .blog,
    .contact {
        padding: 60px 20px;
    }
    
    .products h2,
    .cards h2,
    .pricing h2,
    .eligibility h2,
    .blog h2,
    .contact h2 {
        font-size: 2rem;
    }
}

/* Focus styles for accessibility */
*:focus {
    outline: 2px solid var(--accent-teal);
    outline-offset: 2px;
}

button:focus,
input:focus,
select:focus,
textarea:focus {
    outline: none;
    box-shadow: 0 0 0 3px rgba(0, 194, 178, 0.3);
}

/* High contrast mode support */
@media (prefers-contrast: high) {
    :root {
        --primary-navy: #000000;
        --accent-teal: #006B5C;
        --gray-600: #000000;
    }
}

/* Legal Pages */
.legal-page {
    padding: 120px 20px 60px;
    background: var(--white);
    min-height: 100vh;
}

.legal-page h1 {
    color: var(--primary-navy);
    font-size: 2.5rem;
    margin-bottom: 16px;
    text-align: center;
}

.last-updated {
    text-align: center;
    color: var(--gray-600);
    font-style: italic;
    margin-bottom: 40px;
}

.legal-page section {
    margin-bottom: 40px;
}

.legal-page h2 {
    color: var(--primary-navy);
    font-size: 1.5rem;
    margin-bottom: 20px;
    border-bottom: 2px solid var(--accent-teal);
    padding-bottom: 8px;
}

.legal-page h3 {
    color: var(--primary-navy);
    font-size: 1.2rem;
    margin-bottom: 16px;
    margin-top: 24px;
}

.legal-page ul {
    margin-bottom: 20px;
    padding-left: 20px;
}

.legal-page li {
    margin-bottom: 8px;
    line-height: 1.6;
}

.legal-page p {
    line-height: 1.6;
    margin-bottom: 16px;
}

.back-link {
    color: var(--accent-teal);
    text-decoration: none;
    font-weight: 600;
    transition: var(--transition);
}

.back-link:hover {
    color: var(--primary-navy);
}

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