html {
  font-size: 14px;
}

@media (min-width: 768px) {
  html {
    font-size: 16px;
  }
}

.btn:focus, .btn:active:focus, .btn-link.nav-link:focus, .form-control:focus, .form-check-input:focus {
  box-shadow: 0 0 0 0.1rem white, 0 0 0 0.25rem #258cfb;
}

html {
  position: relative;
  min-height: 100%;
}

body {
  margin-bottom: 60px;
  background-color: #f6f8fb;
  color: #172033;
}

.form-floating > .form-control-plaintext::placeholder, .form-floating > .form-control::placeholder {
  color: var(--bs-secondary-color);
  text-align: end;
}

.form-floating > .form-control-plaintext:focus::placeholder, .form-floating > .form-control:focus::placeholder {
  text-align: start;
}

.hero-section {
  background: linear-gradient(135deg, #eef4ff, #ffffff);
  border: 1px solid #e5ebf5;
  border-radius: 1.5rem;
}

.calculator-card {
  border: 0;
  box-shadow: 0 0.25rem 1rem rgba(31, 45, 61, 0.08);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

a.calculator-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 0.75rem 1.5rem rgba(31, 45, 61, 0.13);
}

.calculator-icon {
  display: grid;
  place-items: center;
  width: 3rem;
  height: 3rem;
  color: #0d6efd;
  background: #eaf2ff;
  border-radius: 0.85rem;
  font-size: 1.25rem;
  font-weight: 700;
}

.disabled-card {
  opacity: 0.72;
}

.card-shortcut {
  display: inline-block;
  color: #0d6efd;
  font-size: 0.9rem;
  font-weight: 700;
}

.financial-info {
  background: #fff;
  border: 1px solid #e5ebf5;
}

.result-card {
  height: 100%;
  padding: 1.25rem;
  background: #fff;
  border: 1px solid #e5ebf5;
  border-radius: 0.85rem;
}

.result-card span {
  display: block;
  margin-bottom: 0.4rem;
  color: #6c757d;
  font-size: 0.9rem;
}

.result-card strong {
  display: block;
  font-size: 1.2rem;
}

.result-card-primary {
  color: #fff;
  background: linear-gradient(135deg, #0d6efd, #0a58ca);
  border-color: transparent;
  box-shadow: 0 0.75rem 1.5rem rgba(13, 110, 253, 0.2);
}

.result-card-primary span {
  color: rgba(255, 255, 255, 0.8);
}

.result-card-primary strong {
  font-size: clamp(1.65rem, 4vw, 2.35rem);
}

.schedule-table {
  max-height: 32rem;
}

.schedule-table thead {
  position: sticky;
  top: 0;
  z-index: 1;
}

.quick-options {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
}

.quick-options .btn.active {
  color: #fff;
  background-color: #6c757d;
  border-color: #6c757d;
}

.grace-period-disabled {
  opacity: 0.55;
}

.loan-guide {
  line-height: 1.8;
}

.loan-guide p {
  color: #5d6778;
}

.article-card {
  border: 0;
  box-shadow: 0 0.25rem 1rem rgba(31, 45, 61, 0.08);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.article-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 0.75rem 1.5rem rgba(31, 45, 61, 0.13);
}

.article-category {
  color: #0d6efd;
  font-size: 0.85rem;
  font-weight: 700;
}

.finance-article {
  max-width: 52rem;
  margin: 0 auto;
  padding: 2rem;
  background: #fff;
  border-radius: 1rem;
  box-shadow: 0 0.25rem 1rem rgba(31, 45, 61, 0.08);
  line-height: 1.8;
}

.finance-article h1 {
  margin: 1rem 0;
  font-weight: 700;
}

.finance-article h2 {
  margin-top: 2.5rem;
  font-size: 1.45rem;
  font-weight: 700;
}

.finance-article p,
.finance-article li {
  color: #4f5b6e;
}

.article-back {
  color: #6c757d;
  text-decoration: none;
}

.article-lead {
  font-size: 1.15rem;
}

.comparison-table th,
.comparison-table td {
  min-width: 9rem;
  padding: 0.9rem;
}

.formula-box {
  padding: 1rem 1.25rem;
  color: #0a58ca;
  background: #eef4ff;
  border-radius: 0.75rem;
  font-weight: 700;
}

.article-cta {
  margin-top: 2.5rem;
  padding: 1.5rem;
  background: #f6f8fb;
  border-radius: 0.85rem;
}

.article-cta h2 {
  margin-top: 0;
}

.policy-page {
  max-width: 52rem;
  margin: 0 auto;
  padding: 2.5rem;
  background: #fff;
  border-radius: 1rem;
  box-shadow: 0 0.25rem 1rem rgba(31, 45, 61, 0.08);
  line-height: 1.8;
}

.policy-page h1 {
  margin-bottom: 1rem;
  font-weight: 700;
}

.policy-page h2 {
  margin-top: 2.25rem;
  font-size: 1.35rem;
  font-weight: 700;
}

.policy-page p,
.policy-page li {
  color: #4f5b6e;
}

.policy-label {
  margin-bottom: 0.5rem;
  color: #0d6efd !important;
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.04em;
}

.policy-lead {
  font-size: 1.1rem;
}

.info-tile,
.contact-card {
  height: 100%;
  padding: 1.25rem;
  background: #f6f8fb;
  border: 1px solid #e5ebf5;
  border-radius: 0.85rem;
}

.info-tile strong,
.info-tile span {
  display: block;
}

.info-tile span {
  margin-top: 0.4rem;
  color: #5d6778;
}

.contact-card h2 {
  margin-top: 0;
}

.contact-email {
  display: flex;
  flex-wrap: wrap;
  gap: 0.35rem 0.75rem;
  align-items: center;
  margin: 1rem 0;
}

.contact-email span {
  color: #6c757d;
  font-size: 0.95rem;
  font-weight: 700;
}

.contact-email a {
  font-size: 1.1rem;
  font-weight: 700;
}

.footer-content {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
}

.footer-links a {
  color: #6c757d;
  text-decoration: none;
}

.footer-links a:hover {
  color: #0d6efd;
}

@media (max-width: 575.98px) {
  .finance-article,
  .policy-page {
    padding: 1.25rem;
  }

  .footer {
    position: static;
    padding: 1rem 0;
    line-height: 1.8;
  }

  .footer-content {
    align-items: flex-start;
    flex-direction: column;
  }

  body {
    margin-bottom: 0;
  }
}