/* ============================================
   TOOL PAGES & PERSONA QUIZ — CSS
   ============================================ */

/* --- Tool Page Layout --- */
.tool-page .tool-header { background: linear-gradient(135deg, var(--navy) 0%, #1e5f8a 100%); color: var(--white); padding: 3rem 0; text-align: center; }
.tool-page .tool-header h1 { color: var(--white); font-size: 2.2rem; margin-bottom: 0.5rem; }
.tool-subtitle { font-size: 1.1rem; opacity: 0.85; max-width: 650px; margin: 0 auto; }
.tool-badge { display: inline-block; background: var(--gold); color: var(--navy-dark); font-weight: 700; padding: 0.3rem 1rem; border-radius: 50px; font-size: 0.8rem; margin-bottom: 1rem; }
.tool-area { padding: 2.5rem 0; background: var(--off-white); }
.tool-widget { background: var(--white); border: 2px solid var(--gray-200); border-radius: var(--radius); padding: 2.5rem; max-width: 720px; margin: 0 auto; box-shadow: 0 2px 12px rgba(0,0,0,0.06); }
.tool-widget h3 { text-align: center; margin-bottom: 1.5rem; }
.tool-disclaimer { max-width: 720px; margin: 1rem auto 0; font-size: 0.78rem; color: var(--gray-500); text-align: center; }

/* --- Tool Form Elements --- */
.tf-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; margin-bottom: 1.25rem; }
.tf-group { display: flex; flex-direction: column; }
.tf-group.full { grid-column: 1 / -1; }
.tf-group label { font-size: 0.85rem; font-weight: 600; color: var(--gray-700); margin-bottom: 0.3rem; }
.tf-group input, .tf-group select { padding: 0.65rem 0.8rem; border: 1.5px solid var(--gray-300); border-radius: 6px; font-size: 1rem; font-family: var(--font-body); transition: border-color 0.2s; background: var(--white); }
.tf-group input:focus, .tf-group select:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px rgba(40,116,166,0.1); }
.tf-hint { font-size: 0.78rem; color: var(--gray-500); margin-top: 0.2rem; }
.tf-section-label { font-weight: 700; color: var(--navy); font-size: 0.9rem; margin-bottom: 0.75rem; padding-top: 0.5rem; border-top: 1px solid var(--gray-200); }
.tool-intro { text-align: center; color: var(--gray-500); margin-bottom: 1.5rem; }

/* --- Result Elements --- */
.result-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-bottom: 1.25rem; }
.result-grid.three { grid-template-columns: 1fr 1fr 1fr; }
.result-box { padding: 1.25rem; border-radius: var(--radius); text-align: center; background: var(--gray-100); border: 1px solid var(--gray-200); }
.result-box.bank { background: #fdedec; border-color: #f5c6cb; }
.result-box.broker { background: #eafaf1; border-color: #b7eb8f; }
.result-box.highlight { background: var(--gold-light, #fdf6e3); border-color: var(--gold); }
.result-box .rl { font-size: 0.78rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.5px; color: var(--gray-500); margin-bottom: 0.25rem; }
.result-box .rv { font-size: 1.6rem; font-family: var(--font-heading); color: var(--navy); }
.result-box.bank .rv { color: #c0392b; }
.result-box.broker .rv { color: #27ae60; }
.result-box .rd { font-size: 0.85rem; color: var(--gray-700); margin-top: 0.15rem; }

/* --- Savings Banner --- */
.savings-banner { background: #fdf6e3; border: 2px solid var(--gold); border-radius: var(--radius); padding: 1.5rem; text-align: center; margin-bottom: 1.25rem; }
.savings-banner.good { background: #eafaf1; border-color: #27ae60; }
.savings-big { font-size: 2.5rem; font-weight: 700; font-family: var(--font-heading); color: var(--navy); }
.savings-label { font-size: 0.95rem; color: var(--gray-700); margin-top: 0.25rem; }
.savings-detail { font-size: 0.85rem; color: var(--gray-500); margin-top: 0.25rem; }

/* --- Verdict Banner --- */
.verdict-banner { display: flex; align-items: flex-start; gap: 1rem; padding: 1.5rem; border-radius: var(--radius); margin: 1.25rem 0; }
.verdict-banner.positive { background: #eafaf1; border: 1px solid #b7eb8f; }
.verdict-banner.neutral { background: #fdf6e3; border: 1px solid var(--gold); }
.verdict-banner.negative { background: var(--gray-100); border: 1px solid var(--gray-300); }
.verdict-icon { font-size: 1.5rem; flex-shrink: 0; }
.verdict-text { font-size: 1rem; }
.verdict-detail { font-size: 0.9rem; color: var(--gray-700); margin-top: 0.5rem; }

/* --- Info Note --- */
.info-note { background: var(--blue-light); border-left: 4px solid var(--blue); padding: 1rem 1.25rem; border-radius: 0 var(--radius) var(--radius) 0; margin: 1rem 0; font-size: 0.9rem; }
.info-note.highlight { background: #fdf6e3; border-left-color: var(--gold); }

/* --- Penalty Explain --- */
.penalty-explain { font-size: 0.9rem; color: var(--gray-700); margin-bottom: 1rem; }

/* --- Tool CTA --- */
.tool-cta { text-align: center; padding: 2rem 0 0.5rem; margin-top: 1.5rem; border-top: 1px solid var(--gray-200); }
.tool-cta p { margin-bottom: 1rem; }
.tool-cta .cta-sub { font-size: 0.85rem; color: var(--gray-500); margin-top: 0.5rem; }
.btn-gold { background: var(--gold); color: var(--navy-dark); font-weight: 700; }
.btn-gold:hover { background: #c0912e; color: var(--navy-dark); }
.btn-lg { padding: 1rem 2.25rem; font-size: 1.1rem; }
.btn-block { display: block; width: 100%; margin-top: 0.5rem; }

/* --- Alert Signup / Inline Form --- */
.alert-signup { background: var(--off-white); border: 1px solid var(--gray-200); border-radius: var(--radius); padding: 1.5rem; margin-top: 1rem; }
.alert-signup h4 { margin-bottom: 0.5rem; }
.inline-form { display: flex; flex-wrap: wrap; gap: 0.75rem; align-items: flex-end; }
.inline-form input[type="text"], .inline-form input[type="email"] { flex: 1; min-width: 200px; padding: 0.65rem 0.8rem; border: 1.5px solid var(--gray-300); border-radius: 6px; font-size: 0.95rem; font-family: var(--font-body); }
.inline-form .btn { flex-shrink: 0; }
.mpac-cta { background: #fdf6e3; border: 2px solid var(--gold); border-radius: var(--radius); padding: 2rem; }

/* --- Affordability Hero --- */
.afford-hero { text-align: center; padding: 1.5rem; background: var(--navy); border-radius: var(--radius); margin-bottom: 1.5rem; }
.afford-label { color: rgba(255,255,255,0.7); font-size: 0.9rem; }
.afford-amount { font-size: 3rem; font-family: var(--font-heading); color: var(--gold); }
.afford-sub { color: rgba(255,255,255,0.6); font-size: 0.85rem; margin-top: 0.25rem; }

/* --- Readiness Indicators --- */
.readiness-list { margin: 1rem 0 1.5rem; }
.readiness-item { display: flex; align-items: center; gap: 0.75rem; padding: 0.6rem 0; border-bottom: 1px solid var(--gray-100); }
.ri-label { flex: 1; font-weight: 500; }
.ri-val { font-size: 0.85rem; color: var(--gray-500); }
.ind { font-size: 0.85rem; font-weight: 600; white-space: nowrap; }
.ind.green { color: #27ae60; }
.ind.yellow { color: #d4a03c; }
.ind.red { color: #c0392b; }

/* --- Scenario Grid (Equity) --- */
.scenario-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; margin-bottom: 1.5rem; }
.scenario-card { background: var(--white); border: 1px solid var(--gray-200); border-radius: var(--radius); padding: 1.5rem; position: relative; }
.scenario-num { position: absolute; top: -0.6rem; left: 1rem; background: var(--blue); color: var(--white); width: 1.5rem; height: 1.5rem; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 0.75rem; font-weight: 700; }
.scenario-card h4 { margin-top: 0.5rem; font-family: var(--font-body); font-weight: 700; }
.scenario-stats { margin: 1rem 0; }
.scenario-stats div { display: flex; justify-content: space-between; padding: 0.3rem 0; border-bottom: 1px solid var(--gray-100); font-size: 0.85rem; }
.sl { color: var(--gray-500); }
.sv { font-weight: 600; color: var(--navy); }
.sv.positive { color: #27ae60; }
.scenario-note { font-size: 0.82rem; color: var(--gray-500); }

/* --- Quiz / Multi-step Tools --- */
.quiz-progress { font-size: 0.8rem; color: var(--gray-500); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 1rem; text-align: center; }
.quiz-options { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 0.75rem; margin-top: 1rem; }
.quiz-opt { display: flex; flex-direction: column; align-items: center; gap: 0.5rem; padding: 1.25rem 1rem; background: var(--white); border: 2px solid var(--gray-200); border-radius: var(--radius); cursor: pointer; font-family: var(--font-body); font-size: 0.95rem; font-weight: 500; transition: all 0.2s; text-align: center; }
.quiz-opt:hover { border-color: var(--blue); background: var(--blue-light); }
.quiz-icon { font-size: 1.5rem; }
.quiz-back { background: none; border: none; color: var(--gray-500); font-family: var(--font-body); font-size: 0.9rem; cursor: pointer; margin-top: 1rem; }
.quiz-back:hover { color: var(--blue); }
.quiz-feedback { text-align: center; padding: 2rem 1rem; }
.quiz-feedback.correct { background: #eafaf1; border-radius: var(--radius); }
.quiz-feedback.wrong { background: #fdf6e3; border-radius: var(--radius); }
.qf-icon { font-size: 2rem; margin-bottom: 0.5rem; }
.qf-text { font-size: 1.1rem; font-weight: 600; margin-bottom: 0.75rem; }
.qf-explain { font-size: 0.9rem; color: var(--gray-700); max-width: 500px; margin: 0 auto 1.5rem; }

/* --- Quiz Score --- */
.quiz-score { text-align: center; padding: 2rem 0; }
.score-circle { width: 100px; height: 100px; border-radius: 50%; background: var(--navy); display: inline-flex; flex-direction: column; align-items: center; justify-content: center; margin-bottom: 1rem; }
.score-num { font-size: 2rem; font-weight: 700; color: var(--gold); line-height: 1; }
.score-of { font-size: 0.85rem; color: rgba(255,255,255,0.6); }
.score-level { font-size: 1.3rem; font-weight: 700; color: var(--navy); }
.score-pct { font-size: 0.9rem; color: var(--gray-500); }
.missed-list, .actions-list { margin: 1rem 0; }
.missed-item, .action-item { padding: 0.75rem; border-left: 3px solid var(--gold); margin-bottom: 0.5rem; background: var(--off-white); border-radius: 0 var(--radius) var(--radius) 0; }
.missed-item strong { display: block; margin-bottom: 0.25rem; }
.missed-item p, .action-item p { font-size: 0.85rem; color: var(--gray-700); margin: 0; }

/* --- Credit Readiness --- */
.readiness-result { text-align: center; padding: 1.5rem 0; }
.readiness-badge { display: inline-block; padding: 0.75rem 2rem; border-radius: 50px; font-size: 1.2rem; font-weight: 700; }
.readiness-badge.green { background: #eafaf1; color: #27ae60; border: 2px solid #27ae60; }
.readiness-badge.yellow { background: #fdf6e3; color: #b8860b; border: 2px solid var(--gold); }
.readiness-badge.red { background: #fdedec; color: #c0392b; border: 2px solid #c0392b; }
.readiness-breakdown { margin: 1.5rem 0; }
.rb-item { display: flex; align-items: flex-start; gap: 0.75rem; padding: 0.75rem 0; border-bottom: 1px solid var(--gray-100); }
.rb-dot { width: 12px; height: 12px; border-radius: 50%; flex-shrink: 0; margin-top: 4px; }
.rb-dot.green { background: #27ae60; }
.rb-dot.yellow { background: var(--gold); }
.rb-dot.red { background: #c0392b; }
.rb-item strong { display: block; font-size: 0.85rem; }
.rb-item p { font-size: 0.82rem; color: var(--gray-700); margin: 0.2rem 0 0; }
.action-dot { display: inline-block; width: 10px; height: 10px; border-radius: 50%; margin-right: 0.5rem; }

/* --- Credit Ladder --- */
.credit-ladder { margin: 1rem 0 1.5rem; }
.ladder-row { display: grid; grid-template-columns: 80px 90px 1fr 60px 100px 120px auto; gap: 0.5rem; align-items: center; padding: 0.6rem 0.75rem; border-bottom: 1px solid var(--gray-100); font-size: 0.85rem; }
.ladder-row.active { background: var(--blue-light); border-radius: var(--radius); border: 2px solid var(--blue); }
.ladder-score { font-weight: 700; }
.ladder-label { color: var(--gray-500); font-size: 0.78rem; }
.ladder-bar-wrap { background: var(--gray-100); height: 8px; border-radius: 4px; overflow: hidden; }
.ladder-bar { background: linear-gradient(90deg, #27ae60, #c0392b); height: 100%; border-radius: 4px; }
.ladder-rate { font-weight: 600; }
.ladder-pmt { color: var(--gray-700); }
.ladder-cost { font-size: 0.78rem; color: var(--gray-500); }
.ladder-you { font-weight: 700; color: var(--blue); font-size: 0.78rem; }

/* --- Feature / Flexibility --- */
.feature-list { margin: 1rem 0; }
.feature-item { padding: 1rem; margin-bottom: 0.5rem; border-radius: var(--radius); border-left: 4px solid; }
.feature-item.critical { background: #fdedec; border-color: #c0392b; }
.feature-item.important { background: #fdf6e3; border-color: var(--gold); }
.feature-item.helpful { background: #eafaf1; border-color: #27ae60; }
.feature-priority { display: inline-block; font-size: 0.7rem; text-transform: uppercase; font-weight: 700; letter-spacing: 0.5px; padding: 0.15rem 0.5rem; border-radius: 3px; margin-bottom: 0.25rem; }
.critical .feature-priority { background: #c0392b; color: #fff; }
.important .feature-priority { background: var(--gold); color: var(--navy-dark); }
.helpful .feature-priority { background: #27ae60; color: #fff; }
.feature-item p { font-size: 0.85rem; color: var(--gray-700); margin: 0.25rem 0 0; }
.avoid-list { margin: 1rem 0; }
.avoid-item { padding: 0.75rem; background: var(--gray-100); border-radius: var(--radius); margin-bottom: 0.5rem; font-size: 0.9rem; }

/* --- Income Comparison --- */
.lender-comparison { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 1rem; margin: 1.5rem 0; }
.lender-col { background: var(--white); border: 1px solid var(--gray-200); border-radius: var(--radius); padding: 1.25rem; }
.lender-col.conservative { border-top: 3px solid #c0392b; }
.lender-col.moderate { border-top: 3px solid var(--gold); }
.lender-col.flexible { border-top: 3px solid #27ae60; }
.lender-col h4 { font-family: var(--font-body); font-weight: 700; font-size: 0.95rem; margin-bottom: 0.15rem; }
.lender-sub { font-size: 0.78rem; color: var(--gray-500); margin-bottom: 1rem; }
.lender-qualifying { display: flex; justify-content: space-between; padding: 0.4rem 0; border-bottom: 1px solid var(--gray-100); }
.lq-label { font-size: 0.82rem; color: var(--gray-500); }
.lq-val { font-weight: 700; font-size: 0.9rem; }
.lender-breakdown { margin-top: 0.75rem; }
.lb-row { display: flex; justify-content: space-between; align-items: center; padding: 0.3rem 0; font-size: 0.78rem; }
.lb-name { flex: 1; color: var(--gray-700); }
.lb-pct { font-weight: 600; color: #27ae60; margin: 0 0.5rem; }
.lb-pct.partial { color: #c0392b; }
.lb-val { font-weight: 600; }

/* --- Checklist --- */
.checklist-results h3 { margin-bottom: 1rem; }
.checklist-summary { background: var(--blue-light); padding: 0.6rem 1rem; border-radius: var(--radius); font-size: 0.85rem; font-weight: 500; margin-bottom: 1.5rem; text-align: center; }
.checklist-items { margin: 1rem 0; }
.checklist-item { display: flex; align-items: flex-start; gap: 0.75rem; padding: 0.6rem 0; border-bottom: 1px solid var(--gray-100); }
.checklist-item input[type="checkbox"] { margin-top: 0.3rem; flex-shrink: 0; width: 18px; height: 18px; accent-color: var(--blue); }
.checklist-item label { cursor: pointer; }
.checklist-item label strong { display: block; }
.checklist-item label span { font-size: 0.82rem; color: var(--gray-500); }
.not-needed { margin: 0.5rem 0 1.5rem; }
.nn-item { padding: 0.4rem 0; font-size: 0.85rem; color: var(--gray-500); }

/* --- Tips --- */
.tips-list { margin: 1rem 0; }
.tip-item { padding: 0.5rem 0; font-size: 0.9rem; border-bottom: 1px solid var(--gray-100); }

/* --- Range Visual (Pre-approval) --- */
.range-visual { margin: 1.5rem 0; position: relative; }
.range-bar { display: flex; border-radius: var(--radius); overflow: hidden; height: 50px; }
.range-zone { display: flex; flex-direction: column; align-items: center; justify-content: center; color: var(--white); font-size: 0.78rem; font-weight: 600; }
.range-zone.safe { background: #27ae60; }
.range-zone.stretch { background: var(--gold); }
.range-zone.danger { background: #c0392b; }
.range-price { font-size: 0.7rem; opacity: 0.85; }
.range-marker { position: relative; text-align: center; font-size: 0.82rem; font-weight: 700; color: var(--navy); margin-top: 0.5rem; }

/* --- Homepage Persona Router Quiz --- */
.quiz-router-section { padding: 3rem 0; background: var(--blue-tint); text-align: center; }
.quiz-router-section h2 { margin-bottom: 1.5rem; }
.router-question { font-size: 1.1rem; font-weight: 500; margin-bottom: 1rem; }
.router-options { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0.75rem; max-width: 700px; margin: 0 auto; }
.router-options.vertical { grid-template-columns: 1fr; max-width: 500px; }
.router-opt { display: flex; flex-direction: column; align-items: center; gap: 0.5rem; padding: 1.5rem 1rem; background: var(--white); border: 2px solid var(--gray-200); border-radius: var(--radius); cursor: pointer; font-family: var(--font-body); font-size: 1rem; font-weight: 500; transition: all 0.15s; }
.router-opt:hover { border-color: var(--blue); transform: translateY(-2px); box-shadow: 0 4px 12px rgba(0,0,0,0.08); }
.router-icon { font-size: 2rem; }
.router-label { font-size: 0.95rem; }
.router-link { display: block; padding: 1rem 1.25rem; background: var(--white); border: 1px solid var(--gray-200); border-radius: var(--radius); font-size: 0.95rem; font-weight: 500; text-align: left; transition: all 0.15s; }
.router-link:hover { border-color: var(--blue); background: var(--blue-light); color: var(--navy); }
.router-back { background: none; border: none; color: var(--gray-500); font-family: var(--font-body); font-size: 0.9rem; cursor: pointer; margin-top: 1.25rem; }
.router-back:hover { color: var(--blue); }

/* --- Rates Banner --- */
.rates-banner { background: var(--navy); color: var(--white); padding: 1.5rem 0 1rem; }
.rates-inner { display: flex; flex-wrap: wrap; align-items: center; gap: 1.25rem; }
.rates-heading { flex: 0 0 auto; }
.rates-heading h3 { font-family: var(--font-body); font-size: 0.95rem; font-weight: 700; margin: 0; color: var(--white); }
.rates-updated { font-size: 0.72rem; color: rgba(255,255,255,0.6); }
.rates-live-check { color: #66bb6a !important; font-weight: 700; }
.rates-stale-warn { color: #ff9800 !important; font-weight: 700; }
.rates-updated a { color: rgba(255,255,255,0.8); text-decoration: underline; }
.rates-updated a:hover { color: var(--white); }
.rates-grid { display: flex; gap: 0.75rem; flex: 0 0 auto; }
.rate-chip { background: rgba(255,255,255,0.12); border: 1px solid rgba(255,255,255,0.2); border-radius: var(--radius); padding: 0.4rem 0.85rem; text-align: center; position: relative; }
.rate-term { display: block; font-size: 0.7rem; text-transform: uppercase; letter-spacing: 0.04em; opacity: 0.75; }
.rate-value { display: block; font-family: var(--font-heading); font-size: 1.3rem; font-weight: 700; color: var(--gold); line-height: 1.2; }
.tooltip-trigger { display: inline-flex; align-items: center; justify-content: center; width: 15px; height: 15px; border-radius: 50%; background: rgba(255,255,255,0.25); font-size: 0.6rem; font-weight: 700; cursor: pointer; vertical-align: middle; margin-left: 2px; }
.rate-tooltip { display: none; position: absolute; bottom: calc(100% + 8px); left: 50%; transform: translateX(-50%); background: var(--white); color: var(--gray-700); padding: 0.75rem 1rem; border-radius: var(--radius); font-size: 0.78rem; line-height: 1.45; width: 280px; box-shadow: 0 4px 16px rgba(0,0,0,0.2); z-index: 100; text-align: left; }
.rate-tooltip::after { content: ''; position: absolute; top: 100%; left: 50%; transform: translateX(-50%); border: 6px solid transparent; border-top-color: var(--white); }
.has-tooltip:hover .rate-tooltip, .has-tooltip:focus-within .rate-tooltip { display: block; }
.rates-cta { flex: 1 1 280px; }
.rates-cta p { font-size: 0.82rem; margin: 0 0 0.35rem; line-height: 1.45; }
.rates-cta a { color: var(--gold); font-weight: 600; text-decoration: underline; text-underline-offset: 2px; }
.rates-cta a:hover { color: var(--white); }
.rates-renewal-note { opacity: 0.8; font-size: 0.78rem !important; }
.rates-disclaimer { font-size: 0.7rem; opacity: 0.55; margin: 0.75rem 0 0; line-height: 1.4; border-top: 1px solid rgba(255,255,255,0.1); padding-top: 0.6rem; }
.rates-disclaimer a { color: rgba(255,255,255,0.7); }
@media (max-width: 768px) {
  .rates-inner { flex-direction: column; text-align: center; }
  .rates-grid { justify-content: center; }
  .rates-cta { text-align: center; }
  .rate-tooltip { left: auto; right: -20px; transform: none; }
  .rate-tooltip::after { left: auto; right: 30px; transform: none; }
}

/* --- Apply Now FAB --- */
.apply-fab { position: fixed; bottom: 1.25rem; right: 1.25rem; z-index: 999; }
.apply-fab-toggle { display: flex; align-items: center; gap: 0.4rem; background: var(--navy); color: var(--white); border: 2px solid var(--gold); border-radius: 50px; padding: 0.6rem 1.1rem; font-size: 0.85rem; font-weight: 700; cursor: pointer; box-shadow: 0 4px 16px rgba(0,0,0,0.25); transition: all 0.2s; }
.apply-fab-toggle:hover { background: var(--blue); transform: translateY(-1px); box-shadow: 0 6px 20px rgba(0,0,0,0.3); }
.apply-fab-icon { font-size: 1.1rem; }
.apply-fab-panel { display: none; position: absolute; bottom: calc(100% + 10px); right: 0; background: var(--white); border: 1px solid var(--gray-200); border-radius: var(--radius); padding: 1.25rem; width: 300px; box-shadow: 0 8px 30px rgba(0,0,0,0.18); }
.apply-fab.is-open .apply-fab-panel { display: block; }
.apply-fab-note { font-size: 0.85rem; color: var(--gray-700); margin: 0 0 0.75rem; line-height: 1.45; }
.apply-fab-btn { display: block; width: 100%; text-align: center; margin-bottom: 0.6rem; }
.apply-fab-first { font-size: 0.78rem; color: var(--gray-400); margin: 0; text-align: center; }
.apply-fab-first a { color: var(--navy); font-weight: 600; }
@media (max-width: 480px) {
  .apply-fab-label { display: none; }
  .apply-fab-toggle { padding: 0.7rem; border-radius: 50%; }
  .apply-fab-panel { width: 280px; right: -0.5rem; }
}

/* --- Alert Signup Form --- */
.alert-signup { background: linear-gradient(135deg, #f8f9fc 0%, #eef1f7 100%); border: 1.5px solid var(--navy); border-radius: var(--radius); padding: 1.75rem; text-align: center; }
.alert-signup h4 { font-family: var(--font-heading); font-size: 1.35rem; margin-bottom: 0.4rem; }
.alert-signup > p { font-size: 0.95rem; color: var(--gray-500); margin-bottom: 1rem; }
.alert-fields { max-width: 480px; margin: 0 auto; }
.alert-row { display: flex; gap: 0.5rem; margin-bottom: 0.5rem; }
.alert-row input { flex: 1; }
.alert-fields input { padding: 0.6rem 0.75rem; border: 1px solid var(--gray-200); border-radius: var(--radius); font-size: 0.95rem; width: 100%; box-sizing: border-box; }
.alert-fields input:focus { border-color: var(--navy); outline: none; box-shadow: 0 0 0 2px rgba(26,54,93,0.12); }
.alert-summary { background: var(--white); border: 1px solid var(--gray-200); border-radius: var(--radius); padding: 1rem; margin: 1rem auto 1.25rem; max-width: 480px; text-align: left; }
.alert-summary-title { font-size: 0.82rem; font-weight: 600; color: var(--gray-500); text-transform: uppercase; letter-spacing: 0.03em; margin-bottom: 0.5rem; }
.alert-summary-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.3rem 1rem; font-size: 0.88rem; }
.alert-summary-grid span strong { color: var(--navy); }
.alert-privacy { font-size: 0.78rem; color: var(--gray-400); margin-top: 0.75rem; }
@media (max-width: 500px) { .alert-row { flex-direction: column; } .alert-summary-grid { grid-template-columns: 1fr; } }

/* --- Lender Links --- */
.lender-links { background: var(--off-white); border: 1px solid var(--gray-200); border-radius: var(--radius); padding: 1.5rem; margin: 1.25rem 0; text-align: center; }
.lender-links h4 { font-family: var(--font-body); font-weight: 700; margin-bottom: 0.75rem; }
.lender-link-btn { display: inline-block; padding: 0.6rem 1.25rem; margin: 0.25rem; border-radius: var(--radius); font-weight: 600; font-size: 0.9rem; transition: all 0.2s; text-decoration: none; }
.lender-link-btn.calc-link { background: var(--navy); color: var(--white); }
.lender-link-btn.calc-link:hover { background: var(--blue); color: var(--white); }
.lender-link-btn.rates-link { background: var(--white); color: var(--navy); border: 1.5px solid var(--navy); }
.lender-link-btn.rates-link:hover { background: var(--blue-light); }
.lender-phone { font-size: 0.9rem; margin-top: 0.75rem; }
.lender-phone a { font-weight: 600; }
.lender-links-note { font-size: 0.82rem; color: var(--gray-500); margin-top: 0.75rem; font-style: italic; }

/* --- Responsive --- */
@media (max-width: 768px) {
  .tf-row { grid-template-columns: 1fr; }
  .result-grid, .result-grid.three { grid-template-columns: 1fr; }
  .scenario-grid { grid-template-columns: 1fr; }
  .lender-comparison { grid-template-columns: 1fr; }
  .ladder-row { grid-template-columns: 70px 1fr 50px 80px; font-size: 0.78rem; }
  .ladder-label, .ladder-bar-wrap, .ladder-you { display: none; }
  .inline-form { flex-direction: column; }
  .inline-form input[type="text"], .inline-form input[type="email"] { min-width: 100%; }
  .tool-widget { padding: 1.5rem; }
  .quiz-options { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 480px) {
  .quiz-options { grid-template-columns: 1fr; }
  .range-bar { height: 40px; }
  .afford-amount { font-size: 2.2rem; }
}