:root {
  --blue-600: #1b64d8;
  --blue-700: #1552b1;
  --blue-50: #eef5ff;
  --gray-900: #0f172a;
  --gray-700: #334155;
  --gray-500: #64748b;
  --gray-300: #cbd5e1;
  --gray-200: #e2e8f0;
  --white: #ffffff;
  --green-600: #16a34a;
  --focus: #111827;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.08), 0 1px 2px rgba(0,0,0,0.06);
  --shadow-md: 0 6px 18px rgba(17,24,39,0.1);
}

html { scroll-behavior: smooth; }
* { box-sizing: border-box; }
body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, Segoe UI, Roboto, Oxygen,
    Ubuntu, Cantarell, 'Helvetica Neue', Arial, 'Apple Color Emoji', 'Segoe UI Emoji';
  color: var(--gray-900);
  background: linear-gradient(180deg, var(--blue-50), #f8fafc 40%);
  line-height: 1.6;
}

a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }

.container { width: 100%; max-width: 1120px; margin: 0 auto; padding: 0 16px; }

/* Header */
.header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,0.9);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--gray-200);
}
.nav {
  display: flex; align-items: center; justify-content: space-between;
  padding: 12px 0;
}
.logo { 
  font-weight: 800; 
  letter-spacing: 0.2px; 
  background: var(--green-600);
  color: white;
  padding: 8px 16px;
  border-radius: 8px;
  text-transform: lowercase;
}
.nav-links { display: none; gap: 20px; align-items: center; }
.nav-links a { color: var(--gray-700); font-weight: 600; }
.nav-links a:hover, .nav-links a:focus { color: var(--blue-700); outline: none; }

.btn {
  display: inline-flex; align-items: center; justify-content: center;
  gap: 8px; padding: 12px 20px; border-radius: 10px; border: 1px solid transparent;
  background: var(--blue-600); color: var(--white); font-weight: 700;
  box-shadow: var(--shadow-sm); cursor: pointer; transition: transform .06s ease, background .2s ease, box-shadow .2s ease;
}
/* Ensure anchor-based buttons keep white text in nav */
.nav-links a.btn { color: var(--white); }
.btn:hover { background: var(--blue-700); transform: translateY(-1px); box-shadow: var(--shadow-md); }
.btn:focus { outline: 3px solid rgba(17,24,39,0.3); outline-offset: 2px; }
.btn-secondary { background: var(--white); color: var(--blue-700); border-color: var(--blue-600); }
.btn-secondary:hover { background: var(--blue-50); }

/* Hero */
.hero { padding: 40px 0 12px; }
.hero-wrap { display: grid; gap: 24px; align-items: center; }
.hero h1 { font-size: 28px; line-height: 1.2; margin: 0 0 8px; }
.hero p { color: var(--gray-700); margin: 0 0 10px; }
.bullet-list { margin: 14px 0 18px; padding: 0; list-style: none; display: grid; gap: 8px; }
.bullet-list li { display: flex; align-items: start; gap: 10px; color: var(--gray-700); }
.bullet-dot { width: 8px; height: 8px; margin-top: 8px; border-radius: 50%; background: var(--blue-600); flex-shrink: 0; }

/* Hero Image */
.hero-image {
  position: relative;
  display: flex;
  justify-content: center;
  align-items: center;
}

.hero-image img {
  transition: transform 0.3s ease;
}

.hero-image:hover img {
  transform: scale(1.02);
}

/* Savings Hero Section */
.savings-hero {
  display: grid;
  gap: 24px;
  align-items: center;
  margin: 40px 0;
  padding: 32px 0;
  grid-template-columns: 1.3fr 1fr;
}

.savings-content h3 {
  font-size: 24px;
  line-height: 1.2;
  margin: 0 0 12px;
  color: var(--gray-900);
}

.savings-content p {
  color: var(--gray-700);
  margin: 0 0 16px;
  font-size: 16px;
}

.savings-benefits {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-top: 16px;
}

.savings-benefits span {
  color: var(--gray-700);
  font-size: 14px;
  font-weight: 500;
}

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

/* Refinancing Explanation */
.refinancing-explanation {
  padding: 40px 0;
  margin: 40px 0;
}

.explanation-block {
  background: var(--blue-600);
  color: white;
  text-align: center;
  padding: 32px;
  border-radius: 12px;
  box-shadow: var(--shadow-md);
}

.explanation-block h3 {
  font-size: 24px;
  margin: 0 0 16px;
  color: white;
}

.explanation-block p {
  font-size: 16px;
  line-height: 1.6;
  margin: 0;
  color: rgba(255, 255, 255, 0.9);
}

/* Image Placeholder */
.image-placeholder {
  width: 100%;
  max-width: 400px;
  height: 250px;
  background: linear-gradient(135deg, var(--blue-50), var(--blue-100));
  border: 2px dashed var(--blue-300);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-md);
  transition: transform 0.3s ease, border-color 0.3s ease;
}

.image-placeholder:hover {
  transform: scale(1.02);
  border-color: var(--blue-600);
}

.placeholder-content {
  text-align: center;
  color: var(--blue-700);
}

.money-icon {
  font-size: 48px;
  margin-bottom: 12px;
  animation: bounce 2s infinite;
}

@keyframes bounce {
  0%, 20%, 50%, 80%, 100% { transform: translateY(0); }
  40% { transform: translateY(-10px); }
  60% { transform: translateY(-5px); }
}

.placeholder-content h3 {
  margin: 0 0 8px;
  font-size: 20px;
  font-weight: 700;
}

.placeholder-content p {
  margin: 0;
  font-size: 14px;
  color: var(--gray-600);
}

.image-overlay {
  position: absolute;
  top: 20px;
  right: 20px;
  z-index: 2;
}

.savings-badge {
  background: linear-gradient(135deg, var(--green-600), #22c55e);
  color: white;
  padding: 12px 16px;
  border-radius: 12px;
  text-align: center;
  box-shadow: 0 4px 12px rgba(34, 197, 94, 0.3);
  animation: float 3s ease-in-out infinite;
}

@keyframes float {
  0%, 100% { transform: translateY(0px); }
  50% { transform: translateY(-5px); }
}

.savings-amount {
  display: block;
  font-size: 24px;
  font-weight: 800;
  line-height: 1;
}

.savings-text {
  display: block;
  font-size: 12px;
  opacity: 0.9;
  margin-top: 4px;
}

/* Sections */
section { padding: 28px 0; }
.section-title { font-size: 22px; margin: 0 0 16px; }
.muted { color: var(--gray-500); font-size: 14px; }

/* Form */
.form-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  box-shadow: var(--shadow-sm);
  border-radius: 14px; padding: 18px; display: grid; gap: 12px;
  max-width: 100%;
  width: 100%;
  box-sizing: border-box;
}
.form-grid { display: grid; grid-template-columns: 1fr; gap: 12px; }
.field { display: grid; gap: 6px; }
label { font-weight: 600; color: var(--gray-700); font-size: 14px; }
input[type="text"], input[type="email"], input[type="tel"], input[type="number"], select, textarea {
  width: 100%; padding: 12px 12px; border-radius: 10px; border: 1px solid var(--gray-300);
  font-size: 16px; background: #fff; font-family: inherit;
}
input::placeholder, textarea::placeholder { color: #94a3b8; }
input:focus, select:focus, textarea:focus { outline: 3px solid rgba(27,100,216,0.25); border-color: var(--blue-600); }
textarea { resize: vertical; min-height: 100px; }
.checkbox-row { display: grid; grid-template-columns: 20px 1fr; gap: 10px; align-items: start; }
.small { font-size: 14px; color: var(--gray-500); }
.error { color: #b91c1c; font-size: 13px; display: none; }
.calc-error { color: #b91c1c; font-size: 13px; margin-top: 8px; text-align: center; }
.honeypot { position: absolute !important; left: -10000px !important; top: auto !important; width: 1px !important; height: 1px !important; overflow: hidden !important; }

/* Trust */
.trust-grid { display: grid; grid-template-columns: 1fr; gap: 12px; }
.trust-item { display: grid; grid-template-columns: 36px 1fr; gap: 10px; align-items: start; background: #fff; border: 1px solid var(--gray-200); border-radius: 12px; padding: 12px; }
.trust-icon { width: 36px; height: 36px; border-radius: 8px; background: var(--blue-50); display: grid; place-items: center; color: var(--blue-700); font-weight: 800; }
.logo-strip { 
  display: grid; 
  grid-template-columns: repeat(3,1fr); 
  gap: 12px;
  margin: 20px auto 0;
  max-width: 500px;
  justify-items: center;
}
.logo-box { 
  height: 100px; 
  background: #fff; 
  border: 2px solid var(--gray-200); 
  border-radius: 16px; 
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 16px;
  box-shadow: var(--shadow-md);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.logo-box:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.logo-box img {
  max-height: 80px;
  max-width: 100%;
  object-fit: contain;
  filter: grayscale(10%);
  transition: filter 0.2s ease;
  background: #fff;
  padding: 8px;
  border-radius: 8px;
}

.logo-box:hover img {
  filter: grayscale(0%);
}

/* Steps */
.steps { display: grid; grid-template-columns: 1fr; gap: 12px; }
.step { display: grid; grid-template-columns: 36px 1fr; gap: 12px; align-items: start; background: #fff; border: 1px solid var(--gray-200); border-radius: 12px; padding: 12px; }
.step-num { width: 36px; height: 36px; border-radius: 50%; background: var(--blue-600); color: #fff; display: grid; place-items: center; font-weight: 800; }

/* Cards */
.cards { display: grid; grid-template-columns: 1fr; gap: 12px; }
.card { background: #fff; border: 1px solid var(--gray-200); border-radius: 12px; padding: 14px; box-shadow: var(--shadow-sm); }
.card h3 { margin: 0 0 6px; font-size: 18px; }
.card p { margin: 0; color: var(--gray-700); }

/* FAQ */
.faq { display: grid; gap: 8px; }
.faq-item { background: #fff; border: 1px solid var(--gray-200); border-radius: 12px; }
.faq-q { width: 100%; background: transparent; border: none; padding: 14px; text-align: left; font-weight: 700; display: flex; justify-content: space-between; align-items: center; cursor: pointer; border-radius: 12px; }
.faq-q:focus { outline: 3px solid rgba(27,100,216,0.25); }
.faq-a { padding: 0 14px 14px; color: var(--gray-700); display: none; }

/* CTA band */
.cta-band { background: linear-gradient(135deg, var(--blue-600), var(--blue-700)); color: #fff; border-radius: 14px; padding: 18px; display: grid; gap: 10px; box-shadow: var(--shadow-md); }
.cta-actions { display: flex; gap: 12px; flex-wrap: wrap; }
.cta-band .btn { background: var(--white); color: var(--blue-700); border: 2px solid var(--white); }
.cta-band .btn:hover { background: var(--blue-50); color: var(--blue-700); transform: translateY(-1px); }

/* Footer */
footer { background: #0b1e3e; color: #e5eefc; padding: 24px 0 32px; margin-top: 24px; }
.footer-grid { display: grid; gap: 12px; }
.footer-col { display: grid; gap: 6px; }
.footer-meta { margin: 6px 0 0; padding: 0; list-style: none; color: #cfe0ff; }
.footer-meta li { margin: 0; }
.footer-links { display: flex; gap: 14px; flex-wrap: wrap; justify-content: center; }
.footer-links a { color: #cfe0ff; }
.footer-small { color: #b7c9ec; font-size: 12px; }
.footer-legal { border-top: 1px solid rgba(207,224,255,0.2); margin-top: 12px; padding-top: 12px; text-align: center; max-width: 800px; margin-left: auto; margin-right: auto; }
.footer-disclaimer { margin-top: 10px; font-size: 12px; color: #94a3b8; line-height: 1.4; text-align: center; max-width: 800px; margin-left: auto; margin-right: auto; }

/* Modal */
.modal-backdrop { position: fixed; inset: 0; background: rgba(15,23,42,0.55); display: none; align-items: center; justify-content: center; padding: 16px; z-index: 100; }
.modal { background: #fff; border-radius: 14px; padding: 18px; max-width: 420px; width: 100%; box-shadow: var(--shadow-md); text-align: center; position: relative; }
.modal h3 { margin: 0 0 8px; }
.modal p { margin: 0 0 12px; color: var(--gray-700); }

/* Exit Modal */
.exit-modal { background: linear-gradient(135deg, var(--blue-50), #fff); border: 2px solid var(--blue-600); }
.exit-form { display: grid; gap: 12px; margin: 16px 0; }
.exit-form input { padding: 12px; border: 1px solid var(--gray-300); border-radius: 8px; font-size: 16px; }
.exit-form input:focus { outline: 2px solid var(--blue-600); border-color: var(--blue-600); }
.close-exit { position: absolute; top: 8px; right: 12px; background: none; border: none; font-size: 20px; cursor: pointer; color: var(--gray-500); }
.close-exit:hover { color: var(--gray-700); }

/* Urgency Banner */
.urgency-banner {
  background: linear-gradient(135deg, #ff6b35, #f7931e);
  color: white;
  text-align: center;
  padding: 12px;
  font-weight: 700;
  font-size: 16px;
  animation: pulse 2s infinite;
}

@keyframes pulse {
  0% { opacity: 1; }
  50% { opacity: 0.8; }
  100% { opacity: 1; }
}

/* Social Proof */
.social-proof {
  background: var(--green-600);
  color: white;
  padding: 12px 16px;
  border-radius: 10px;
  margin: 16px 0;
  text-align: center;
  font-weight: 600;
}

/* Form Benefits */
.form-benefits {
  display: flex;
  gap: 20px;
  justify-content: center;
  margin: 16px 0 24px;
  flex-wrap: wrap;
}

.form-benefits span {
  background: var(--blue-50);
  color: var(--blue-700);
  padding: 8px 16px;
  border-radius: 20px;
  font-weight: 600;
  font-size: 14px;
}

/* Trust Bar */
.trust-bar {
  display: flex;
  flex-direction: column;
  gap: 8px;
  background: var(--blue-50);
  border: 1px solid var(--gray-200);
  border-radius: 10px;
  padding: 12px 16px;
  margin-bottom: 16px;
  font-size: 13px;
  color: var(--gray-700);
  text-align: center;
}

.trust-bar span {
  display: block;
}

/* Form Microcopy */
.form-microcopy {
  margin-top: 12px;
  font-size: 13px;
  color: var(--gray-600);
  text-align: center;
  font-style: italic;
}

/* Field Hint */
.field-hint {
  margin-top: 6px;
  font-size: 13px;
  color: var(--gray-500);
  font-style: italic;
}

/* What Happens Next Section */
.what-happens-next {
  background: var(--white);
  padding: 32px 0;
}

.next-steps-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 20px;
  max-width: 900px;
  margin: 0 auto;
}

.next-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  background: var(--blue-50);
  border: 1px solid var(--gray-200);
  border-radius: 12px;
  padding: 20px 16px;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.next-step:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.step-icon {
  font-size: 40px;
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 64px;
  height: 64px;
  background: var(--white);
  border-radius: 50%;
  box-shadow: var(--shadow-sm);
}

.next-step p {
  margin: 0;
  color: var(--gray-700);
  font-size: 15px;
  line-height: 1.5;
  font-weight: 500;
}

/* Trust Badges */
.trust-badges {
  display: flex;
  gap: 16px;
  justify-content: center;
  margin: 20px 0;
  flex-wrap: wrap;
}

.trust-badges img {
  height: 40px;
  opacity: 0.7;
  transition: opacity 0.2s ease;
}

.trust-badges img:hover {
  opacity: 1;
}

/* Testimonials */
.testimonials-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
  margin: 24px 0;
}

.testimonial-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 14px;
  padding: 20px;
  box-shadow: var(--shadow-sm);
}

.testimonial-content p {
  font-style: italic;
  margin: 0 0 16px;
  color: var(--gray-700);
  font-size: 16px;
  line-height: 1.5;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.author-avatar {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--blue-600);
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 16px;
}

.author-name {
  font-weight: 700;
  color: var(--gray-900);
}

.author-location {
  color: var(--gray-500);
  font-size: 14px;
}

.author-details {
  color: var(--gray-500);
  font-size: 13px;
  margin-top: 2px;
}

/* Stats Row */
.stats-row {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
  margin: 32px 0;
}

.stat-item {
  text-align: center;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 12px;
  padding: 20px;
  box-shadow: var(--shadow-sm);
}

.stat-number {
  font-size: 32px;
  font-weight: 800;
  color: var(--blue-700);
  margin: 0 0 8px;
}

.stat-label {
  color: var(--gray-600);
  font-size: 14px;
  font-weight: 600;
}

/* Guarantee Badge */
.guarantee-badge {
  background: linear-gradient(135deg, var(--green-600), #22c55e);
  color: white;
  padding: 24px;
  border-radius: 14px;
  text-align: center;
  margin: 32px 0;
  box-shadow: var(--shadow-md);
}

.guarantee-badge h3 {
  margin: 0 0 8px;
  font-size: 20px;
}

.guarantee-badge p {
  margin: 0;
  font-size: 16px;
  opacity: 0.9;
}

/* Enhanced Buttons */
.btn-primary {
  background: linear-gradient(135deg, var(--blue-600), var(--blue-700));
  box-shadow: 0 4px 12px rgba(27, 100, 216, 0.3);
  font-size: 16px;
  padding: 16px 24px;
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(27, 100, 216, 0.4);
}

.btn-secondary {
  background: var(--white);
  color: var(--blue-700);
  border: 2px solid var(--blue-600);
  font-weight: 700;
}

.btn-secondary:hover {
  background: var(--blue-50);
  transform: translateY(-1px);
}

/* Privacy Policy Page */
.privacy-page {
  background: var(--white);
  margin: 24px auto;
  max-width: 800px;
  padding: 32px;
  border-radius: 14px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-200);
}
.privacy-page h1 { color: var(--blue-700); margin: 0 0 24px; }
.privacy-page h2 { color: var(--gray-900); margin: 24px 0 12px; }
.privacy-page p { margin: 0 0 16px; color: var(--gray-700); }
.privacy-page ul { margin: 0 0 16px; padding-left: 20px; }
.privacy-page li { margin: 0 0 8px; color: var(--gray-700); }
.privacy-contact { background: var(--blue-50); padding: 16px; border-radius: 10px; margin: 24px 0; }
.privacy-contact strong { color: var(--blue-700); }

/* Responsive */
@media (min-width: 720px) {
  .nav-links { display: flex; }
  .hero { padding: 56px 0 16px; }
  .hero h1 { font-size: 40px; }
  .hero-wrap { grid-template-columns: 1.3fr 1fr; }
  .footer-grid { grid-template-columns: 2fr 1fr; align-items: start; }
  .footer-links { justify-content: center; }
  .form-grid { grid-template-columns: repeat(2, 1fr); }
  .form-grid .full { grid-column: 1 / -1; }
  .trust-grid { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .cards { grid-template-columns: repeat(3, 1fr); }
  .logo-strip { grid-template-columns: repeat(3, 1fr); max-width: 500px; }
  .testimonials-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-row { grid-template-columns: repeat(3, 1fr); }
  .form-benefits { justify-content: center; }
  .form-card { max-width: 700px; margin: 0 auto; }
  #form1 .form-card { max-width: 700px; }
  .hero-image img { max-width: 450px; }
  .savings-image img { max-width: 450px; }
  .image-placeholder { max-width: 450px; height: 280px; }
  .image-overlay { top: 30px; right: 30px; }
  .savings-amount { font-size: 28px; }
  .savings-text { font-size: 14px; }
  .money-icon { font-size: 56px; }
  .placeholder-content h3 { font-size: 24px; }
  .placeholder-content p { font-size: 16px; }
  .trust-bar { flex-direction: row; justify-content: center; gap: 16px; }
  .next-steps-grid { grid-template-columns: repeat(3, 1fr); }
  .calc-grid { grid-template-columns: repeat(2, 1fr); }
  .calc-row { flex-direction: row; justify-content: space-between; align-items: center; }
}
@media (min-width: 1024px) {
  .trust-grid { grid-template-columns: repeat(4, 1fr); }
  .steps { grid-template-columns: repeat(4, 1fr); }
}

/* Mailchimp Form Styling */
#mc_embed_shell {
  width: 100%;
  max-width: 700px;
  margin: 0 auto;
}

#mc_embed_signup {
  width: 100% !important;
  max-width: 100% !important;
}

#mc_embed_signup_scroll {
  width: 100%;
}

.mc-field-group {
  margin-bottom: 0;
}

.mc-field-group label {
  display: block;
  margin-bottom: 8px;
  font-weight: 600;
  color: var(--gray-700);
  font-size: 14px;
}

.mc-field-group input,
.mc-field-group select,
.mc-field-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 2px solid var(--gray-200);
  border-radius: 8px;
  font-size: 16px;
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
  background: #fff;
  font-family: inherit;
}

.mc-field-group input:focus,
.mc-field-group select:focus,
.mc-field-group textarea:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(34, 197, 94, 0.1);
}

.mc-field-group textarea {
  resize: vertical;
  min-height: 100px;
}

.mc-field-group input::placeholder {
  color: var(--gray-400);
}

.mc-field-group select option {
  padding: 8px;
}

/* Mailchimp response styling */
#mce-responses {
  margin-top: 16px;
}

#mce-error-response,
#mce-success-response {
  padding: 12px 16px;
  border-radius: 8px;
  margin-bottom: 16px;
  font-weight: 500;
}

#mce-error-response {
  background-color: #fef2f2;
  color: #dc2626;
  border: 1px solid #fecaca;
}

#mce-success-response {
  background-color: #f0fdf4;
  color: #16a34a;
  border: 1px solid #bbf7d0;
}

/* Hide asterisk styling */
.mc-field-group .asterisk {
  color: var(--primary);
}

/* Checkbox/Radio styling for Mailchimp */
.mc-field-group.checkbox-row input[type="radio"],
.mc-field-group.checkbox-row input[type="checkbox"] {
  width: 20px;
  height: 20px;
  margin-right: 12px;
  margin-bottom: 0;
  cursor: pointer;
  transform: scale(1.2);
  flex-shrink: 0;
}

.mc-field-group.checkbox-row label {
  display: flex;
  align-items: flex-start;
  font-size: 15px;
  line-height: 1.5;
  cursor: pointer;
  margin-bottom: 0;
}

.mc-field-group.checkbox-row label a {
  color: var(--blue-600);
  text-decoration: underline;
  margin-left: 0;
}

/* Submit button styling */
#mc-embedded-subscribe {
  width: 100%;
  background: linear-gradient(135deg, var(--blue-600), var(--blue-700));
  color: white;
  border: none;
  padding: 16px 24px;
  border-radius: 8px;
  font-size: 16px;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.2s ease;
  box-shadow: 0 4px 12px rgba(27, 100, 216, 0.3);
  text-align: center;
  display: block;
}

#mc-embedded-subscribe:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(27, 100, 216, 0.4);
}

#mc-embedded-subscribe:active {
  transform: translateY(0);
  box-shadow: 0 4px 12px rgba(27, 100, 216, 0.3);
}

/* Calculator Section */
.calc-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
  margin-bottom: 16px;
}

.calc-slider {
  width: 100%;
  height: 8px;
  border-radius: 4px;
  background: var(--gray-200);
  outline: none;
  margin-bottom: 8px;
  -webkit-appearance: none;
  appearance: none;
}

.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--blue-600);
  cursor: pointer;
  box-shadow: 0 2px 4px rgba(0,0,0,0.2);
  transition: background 0.2s ease;
}

.calc-slider::-webkit-slider-thumb:hover {
  background: var(--blue-700);
}

.calc-slider::-moz-range-thumb {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--blue-600);
  cursor: pointer;
  border: none;
  box-shadow: 0 2px 4px rgba(0,0,0,0.2);
  transition: background 0.2s ease;
}

.calc-slider::-moz-range-thumb:hover {
  background: var(--blue-700);
}

.calc-slider:focus {
  outline: none;
}

.calc-slider:focus::-webkit-slider-thumb {
  box-shadow: 0 0 0 3px rgba(27, 100, 216, 0.25);
}

.calc-slider:focus::-moz-range-thumb {
  box-shadow: 0 0 0 3px rgba(27, 100, 216, 0.25);
}

.calc-results {
  display: none;
  flex-direction: column;
  gap: 12px;
  background: var(--blue-50);
  border: 1px solid var(--gray-200);
  border-radius: 10px;
  padding: 16px;
  margin: 16px 0;
}

.calc-row {
  display: flex;
  flex-direction: column;
  gap: 4px;
  padding: 8px 0;
}

.calc-label {
  font-weight: 600;
  color: var(--gray-700);
  font-size: 14px;
}

.calc-value {
  font-weight: 700;
  color: var(--blue-700);
  font-size: 18px;
}

/* Calculator Chart */
.calc-chart {
  margin-top: 24px;
  padding-top: 24px;
  border-top: 2px solid var(--gray-200);
}

.calc-chart-title {
  font-weight: 700;
  font-size: 16px;
  color: var(--gray-900);
  margin-bottom: 16px;
  text-align: center;
}

.calc-chart-bars {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.calc-chart-bar-container {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.calc-chart-bar-label {
  font-weight: 600;
  font-size: 14px;
  color: var(--gray-700);
}

.calc-chart-bar {
  height: 40px;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: flex-end;
  padding: 0 16px;
  transition: width 0.5s ease;
  min-width: 140px;
  position: relative;
  box-shadow: 0 2px 4px rgba(0,0,0,0.1);
}

.calc-chart-bar-current {
  background: linear-gradient(135deg, #dc2626, #b91c1c);
}

.calc-chart-bar-new {
  background: linear-gradient(135deg, var(--green-600), #22c55e);
}

.calc-chart-bar-savings {
  background: linear-gradient(135deg, var(--blue-600), var(--blue-700));
}

.calc-chart-bar-value {
  font-weight: 700;
  font-size: 14px;
  color: white;
  text-shadow: 0 1px 2px rgba(0,0,0,0.2);
  white-space: nowrap;
}

/* Commission clarity micro-block */
.commission-clarity {
  background: var(--blue-50);
  border: 1px solid var(--gray-200);
  border-radius: 10px;
  padding: 16px;
  margin: 12px 0;
  font-size: 13px;
  line-height: 1.6;
  color: var(--gray-700);
}

.commission-clarity strong {
  display: block;
  font-size: 14px;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 8px;
}

.commission-clarity p {
  margin: 4px 0;
  color: var(--gray-700);
}

/* Calculator Results - Enhanced Visual Design */
.calc-results-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
  margin-bottom: 24px;
}

.calc-metric {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 20px 16px;
  border-radius: 16px;
  background: var(--white);
  border: 2px solid var(--gray-200);
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.04);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
  opacity: 0;
  animation: calcMetricFadeIn 0.5s ease forwards;
}

.calc-metric:nth-child(1) { animation-delay: 0.1s; }
.calc-metric:nth-child(2) { animation-delay: 0.2s; }
.calc-metric:nth-child(3) { animation-delay: 0.3s; }
.calc-metric:nth-child(4) { animation-delay: 0.4s; }

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

.calc-metric:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.08);
}

.calc-metric-icon {
  font-size: 32px;
  margin-bottom: 8px;
  display: block;
  line-height: 1;
}

.calc-metric-label {
  font-size: 13px;
  font-weight: 600;
  color: var(--gray-500);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 8px;
}

.calc-metric-value {
  font-size: 28px;
  font-weight: 800;
  color: var(--gray-900);
  font-variant-numeric: tabular-nums;
  line-height: 1.2;
}

/* Current Rate - Neutral */
.calc-metric--current {
  background: linear-gradient(135deg, #f8fafc, #f1f5f9);
  border-color: var(--gray-300);
}

.calc-metric--current .calc-metric-value {
  color: var(--gray-700);
}

/* New Rate - Positive */
.calc-metric--new {
  background: linear-gradient(135deg, #f0fdf4, #dcfce7);
  border-color: #86efac;
}

.calc-metric--new .calc-metric-value {
  color: var(--green-600);
}

/* Savings Highlight - Main Focus */
.calc-metric--highlight {
  background: linear-gradient(135deg, var(--green-600), #22c55e);
  border: none;
  color: white;
  position: relative;
  overflow: hidden;
  box-shadow: 0 8px 32px rgba(22, 163, 74, 0.3);
}

.calc-metric--highlight::before {
  content: '';
  position: absolute;
  top: -50%;
  left: -50%;
  width: 200%;
  height: 200%;
  background: radial-gradient(circle, rgba(255,255,255,0.15) 0%, transparent 60%);
  animation: shimmer 3s ease-in-out infinite;
}

@keyframes shimmer {
  0%, 100% { transform: translate(-30%, -30%); }
  50% { transform: translate(30%, 30%); }
}

.calc-metric--highlight .calc-metric-icon {
  position: relative;
  z-index: 1;
}

.calc-metric--highlight .calc-metric-label {
  color: rgba(255, 255, 255, 0.9);
  position: relative;
  z-index: 1;
}

.calc-metric--highlight .calc-metric-value {
  font-size: 36px;
  color: white;
  position: relative;
  z-index: 1;
  text-shadow: 0 2px 4px rgba(0, 0, 0, 0.1);
}

.calc-metric-badge {
  display: inline-block;
  background: rgba(255, 255, 255, 0.25);
  color: white;
  font-size: 12px;
  font-weight: 700;
  padding: 6px 14px;
  border-radius: 20px;
  margin-top: 12px;
  position: relative;
  z-index: 1;
  backdrop-filter: blur(4px);
}

/* Annual Savings */
.calc-metric--annual {
  background: linear-gradient(135deg, #eef5ff, #dbeafe);
  border-color: #93c5fd;
}

.calc-metric--annual .calc-metric-value {
  color: var(--blue-700);
}

/* No Savings State */
.calc-metric--no-savings {
  background: linear-gradient(135deg, #f8fafc, #f1f5f9);
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.04);
}

.calc-metric--no-savings::before {
  display: none;
}

.calc-metric--no-savings .calc-metric-label,
.calc-metric--no-savings .calc-metric-value {
  color: var(--gray-500);
}

/* Enhanced Chart Animations */
.calc-chart-bar {
  transition: width 0.8s cubic-bezier(0.4, 0, 0.2, 1);
}

.calc-chart-bar-current {
  animation: barGrow 0.8s ease-out forwards;
  animation-delay: 0.5s;
}

.calc-chart-bar-new {
  animation: barGrow 0.8s ease-out forwards;
  animation-delay: 0.7s;
}

.calc-chart-bar-savings {
  animation: barGrow 0.8s ease-out forwards, savingsGlow 2s ease-in-out infinite;
  animation-delay: 0.9s, 1.7s;
}

@keyframes barGrow {
  from { width: 0%; }
}

@keyframes savingsGlow {
  0%, 100% { box-shadow: 0 0 8px rgba(27, 100, 216, 0.3); }
  50% { box-shadow: 0 0 20px rgba(27, 100, 216, 0.5); }
}

/* Responsive - Desktop 2x2 grid */
@media (min-width: 720px) {
  .calc-results-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
  }
  
  .calc-metric--highlight {
    grid-column: 1 / -1;
    padding: 28px 24px;
  }
  
  .calc-metric--highlight .calc-metric-value {
    font-size: 42px;
  }
  
  .calc-metric-value {
    font-size: 32px;
  }
}