/* =========================================================
   MyWealthCare — Loan Page CSS  v2.0
   Fully aligned with premium theme (common.css + business-home.css)

   Palette:
     Navy heading   #071b46
     Blue vivid     #2563eb
     Blue soft      #eff6ff
     Gold           #fbbf24
     Orange         #f97316
     Page bg        #f0f4f8
     Card bg        #ffffff / #f8fafc
     Muted text     #64748b
     Border         #e2e8f0

   Type scale (matches business-home.css):
     Hero H1        clamp(30px, 3.6vw, 46px)
     Section H2     clamp(22px, 2.6vw, 32px)
     Card H3        17px
     Body           15px
     Small          13px
     Micro caps     11px
========================================================= */

/* ─────────────────────────────────────────
   BASE WRAPPER
───────────────────────────────────────── */
.mw-loan-page {
    font-family: 'Inter', 'Segoe UI', sans-serif;
    font-size: 15px;
    line-height: 1.65;
    color: #0a1628;
    background: #f0f4f8;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}

.mw-loan-page *, .mw-loan-page *::before, .mw-loan-page *::after {
    box-sizing: border-box;
}

.mw-loan-page img { max-width: 100%; display: block; }

.mw-loan-page .container {
    width: min(1180px, calc(100% - 40px));
    margin: 0 auto;
}

/* ─────────────────────────────────────────
   BUTTONS
───────────────────────────────────────── */
.mw-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    border: none;
    cursor: pointer;
    font-family: inherit;
    font-weight: 800;
    white-space: nowrap;
    transition: transform .2s ease, box-shadow .2s ease;
    text-decoration: none;
}

.mw-btn-primary {
    min-height: 44px;
    padding: 0 22px;
    border-radius: 12px;
    font-size: 13.5px;
    background: linear-gradient(135deg, #fbbf24 0%, #f97316 100%);
    color: #07142e;
    box-shadow: 0 6px 20px rgba(251,191,36,.32), 0 1px 3px rgba(0,0,0,.1);
    position: relative;
    overflow: hidden;
}
.mw-btn-primary::after{
    content: '';
    position: absolute; inset: 0;
    background: linear-gradient(135deg, rgba(255,255,255,.18) 0%, transparent 60%);
    border-radius: 12px;
}
.mw-btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 10px 28px rgba(251,191,36,.42), 0 2px 6px rgba(0,0,0,.12);
}

.mw-btn-secondary {
    min-height: 40px;
    padding: 0 18px;
    border-radius: 10px;
    font-size: 13px;
    background: #fff;
    color: #2563eb;
    border: 1.5px solid #bfdbfe;
    box-shadow: 0 2px 8px rgba(10,30,80,.05);
}
.mw-btn-secondary:hover {
    transform: translateY(-2px);
    border-color: #2563eb;
    box-shadow: 0 6px 16px rgba(37,99,235,.12);
}

/* ─────────────────────────────────────────
   HERO  — matches home page navy style
───────────────────────────────────────── */
.mw-loan-hero,
.mw-simple-hero {
    position: relative;
    overflow: hidden;
    padding: 60px 0 52px;
    background:
        radial-gradient(ellipse 55% 75% at 80% 10%, rgba(96,165,250,.18) 0%, transparent 60%),
        radial-gradient(ellipse 35% 45% at 10% 85%, rgba(251,191,36,.10) 0%, transparent 55%),
        linear-gradient(158deg, #021035 0%, #09206a 42%, #0c2e8f 68%, #071a5e 100%);
    color: #fff;
}

/* subtle grid overlay */
.mw-bg-pattern,
.mw-loan-hero::before {
    position: absolute; inset: 0;
    background-image:
        linear-gradient(rgba(255,255,255,.03) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,.03) 1px, transparent 1px);
    background-size: 56px 56px;
    pointer-events: none;
}
.mw-bg-pattern { content: ''; }
.mw-loan-hero::before { content: ''; }

/* ambient gold orb */
.mw-loan-hero::after {
    content: '';
    position: absolute;
    width: 500px; height: 500px;
    right: -150px; top: -140px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(251,191,36,.15) 0%, rgba(251,191,36,.03) 50%, transparent 68%);
    pointer-events: none;
}

.mw-simple-hero { text-align: center; }

.mw-simple-hero-content {
    position: relative;
    z-index: 2;
    max-width: 820px;
    margin: 0 auto;
}

.mw-simple-hero-content h1,
.mw-hero-content h1 {
    font-size: clamp(30px, 3.6vw, 46px);
    font-weight: 800;
    line-height: 1.1;
    letter-spacing: -1.2px;
    margin: 0 0 16px;
    color: #fff;
}

.mw-simple-hero-content h1 strong,
.mw-hero-content h1 strong {
    display: inline;
    background: linear-gradient(90deg, #fbbf24, #f97316);
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
    font-weight: 800;
}

.mw-simple-hero-content p,
.mw-hero-content p {
    font-size: 15px;
    line-height: 1.72;
    color: rgba(255,255,255,.72);
    max-width: 640px;
    margin: 0 auto;
}

/* eyebrow label inside hero */
.mw-loan-hero .mw-eyebrow,
.mw-simple-hero .mw-eyebrow {
    color: #fbbf24;
    margin-bottom: 12px;
}

/* ─────────────────────────────────────────
   SECTION COMMONS
───────────────────────────────────────── */
.mw-section {
    padding: 72px 0;
}

.mw-soft-section {
    background: #fff;
}

/* alternate light bg */
.mw-section:not(.mw-soft-section) {
    background: #f0f4f8;
}

.mw-section-head {
    max-width: 680px;
    margin: 0 auto 44px;
    text-align: center;
}

/* eyebrow label */
.mw-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    font-size: 11px;
    font-weight: 800;
    letter-spacing: .10em;
    text-transform: uppercase;
    color: #2563eb;
    margin-bottom: 10px;
}
.mw-eyebrow::before {
    content: '';
    display: inline-block;
    width: 16px; height: 3px;
    background: #2563eb;
    border-radius: 2px;
    flex-shrink: 0;
}

/* hero eyebrow — gold */
.mw-light { color: #fbbf24; }
.mw-light::before { background: #fbbf24 !important; }

.mw-section-head h2,
.mw-why-grid h2,
.mw-bottom-cta h2 {
    font-size: clamp(22px, 2.6vw, 32px);
    font-weight: 800;
    color: #071b46;
    line-height: 1.18;
    letter-spacing: -.5px;
    margin: 0 0 12px;
}

.mw-section-head p,
.mw-why-grid > div > p,
.mw-bottom-cta p {
    font-size: 15px;
    line-height: 1.70;
    color: #64748b;
    margin: 0;
}

/* ─────────────────────────────────────────
   BANK OFFER CARDS
───────────────────────────────────────── */
.mw-bank-list,
.mw-bank-list-premium {
    display: grid;
    gap: 16px;
}

.mw-bank-card {
    position: relative;
    background: #fff;
    border: 1px solid #e2e8f0;
    border-radius: 20px;
    overflow: hidden;
    box-shadow: 0 2px 8px rgba(10,30,80,.04), 0 8px 24px rgba(10,30,80,.06);
    transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}

/* top accent stripe — slides in on hover */
.mw-bank-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 4px;
    background: linear-gradient(90deg, #2563eb, #fbbf24);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform .3s ease;
}
.mw-bank-card:hover::before { transform: scaleX(1); }

.mw-bank-card:hover {
    transform: translateY(-4px);
    border-color: #cbd5e1;
    box-shadow: 0 6px 16px rgba(10,30,80,.07), 0 20px 44px rgba(10,30,80,.11);
}

/* main row inside card */
.mw-bank-card-main {
    display: grid;
    grid-template-columns: minmax(240px, 1fr) minmax(360px, 1.4fr) auto;
    gap: 20px;
    align-items: center;
    padding: 22px 24px;
}

/* ── Bank profile (logo + name) ── */
.mw-bank-profile {
    display: flex;
    align-items: center;
    gap: 14px;
    min-width: 0;
}

.mw-rank-badge {
    flex-shrink: 0;
    width: 36px; height: 36px;
    border-radius: 10px;
    background: linear-gradient(135deg, #2563eb, #1d4ed8);
    color: #fff;
    font-size: 12px;
    font-weight: 800;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 4px 12px rgba(37,99,235,.28);
}

.mw-bank-logo-box {
    flex-shrink: 0;
    width: 76px; height: 52px;
    padding: 8px;
    border: 1px solid #e2e8f0;
    border-radius: 14px;
    background: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
}
.mw-bank-logo-box img {
    width: 100%; height: 100%;
    object-fit: contain;
}
.mw-bank-logo-box span {
    width: 36px; height: 36px;
    border-radius: 10px;
    background: linear-gradient(135deg, #2563eb, #1d4ed8);
    color: #fff;
    font-size: 16px;
    font-weight: 800;
    display: flex;
    align-items: center;
    justify-content: center;
}

.mw-bank-title { min-width: 0; }

.mw-bank-title h3 {
    font-size: 16px;
    font-weight: 800;
    color: #071b46;
    margin: 0 0 5px;
    letter-spacing: -.2px;
}

.mw-bank-title p {
    font-size: 12.5px;
    color: #64748b;
    line-height: 1.5;
    margin: 0 0 8px;
}

.mw-bank-type {
    display: inline-flex;
    align-items: center;
    padding: 4px 10px;
    border-radius: 999px;
    background: #eff6ff;
    color: #2563eb;
    font-size: 11px;
    font-weight: 700;
    border: 1px solid #bfdbfe;
}

/* ── Metric cards ── */
.mw-bank-metrics {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 10px;
}

.mw-metric-card {
    padding: 12px 14px;
    border: 1px solid #e2e8f0;
    border-radius: 12px;
    background: #f8fafc;
    min-width: 0;
}

.mw-metric-card span {
    display: block;
    font-size: 10.5px;
    font-weight: 700;
    color: #94a3b8;
    text-transform: uppercase;
    letter-spacing: .05em;
    margin-bottom: 5px;
}

.mw-metric-card strong {
    display: block;
    font-size: 13px;
    font-weight: 800;
    color: #071b46;
    line-height: 1.3;
    overflow-wrap: anywhere;
}

/* Rate card — green accent */
.mw-rate-card {
    background: #f0fdf4;
    border-color: #bbf7d0;
}
.mw-rate-card strong { color: #16a34a; }

/* ── Action column ── */
.mw-bank-action {
    display: flex;
    flex-direction: column;
    gap: 8px;
    align-items: stretch;
}

.mw-bank-link {
    font-size: 12px;
    font-weight: 700;
    color: #2563eb;
    text-align: center;
    transition: color .15s;
}
.mw-bank-link:hover { color: #f97316; }

/* ── Extra row (description + features) ── */
.mw-bank-card-extra {
    margin: 0 24px 22px;
    padding: 14px 16px;
    background: #f8fafc;
    border: 1px dashed #e2e8f0;
    border-radius: 14px;
    display: grid;
    gap: 10px;
}

.mw-bank-card-extra p {
    font-size: 13px;
    color: #64748b;
    line-height: 1.65;
    margin: 0;
}

.mw-bank-card-extra ul {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    list-style: none;
    margin: 0; padding: 0;
}

.mw-bank-card-extra li {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    padding: 6px 12px;
    border-radius: 999px;
    background: #eff6ff;
    color: #2563eb;
    font-size: 12px;
    font-weight: 700;
    border: 1px solid #bfdbfe;
}
.mw-bank-card-extra li::before {
    content: '✓';
    color: #16a34a;
    font-weight: 800;
    font-size: 11px;
}

/* empty state */
.mw-empty-card {
    padding: 24px;
    border: 1px solid #e2e8f0;
    border-radius: 16px;
    background: #fff;
    color: #64748b;
    font-size: 14px;
    text-align: center;
}

/* ─────────────────────────────────────────
   BENEFITS GRID
───────────────────────────────────────── */
.mw-benefit-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 16px;
}

.mw-benefit-box {
    padding: 22px 20px;
    background: #fff;
    border: 1px solid #e2e8f0;
    border-radius: 18px;
    box-shadow: 0 2px 8px rgba(10,30,80,.04);
    transition: transform .2s ease, box-shadow .2s ease;
}
.mw-benefit-box:hover {
    transform: translateY(-4px);
    box-shadow: 0 8px 24px rgba(10,30,80,.09);
}

.mw-benefit-icon {
    width: 38px; height: 38px;
    border-radius: 10px;
    background: linear-gradient(135deg, #fbbf24, #f97316);
    color: #07142e;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 16px;
    font-weight: 800;
    margin-bottom: 14px;
    box-shadow: 0 4px 10px rgba(251,191,36,.28);
}

.mw-benefit-box h3 {
    font-size: 15px;
    font-weight: 800;
    color: #071b46;
    margin: 0;
    line-height: 1.4;
}

/* ─────────────────────────────────────────
   WHY MYWEALTHCARE
───────────────────────────────────────── */
.mw-why-grid {
    display: grid;
    grid-template-columns: 0.9fr 1.1fr;
    gap: 48px;
    align-items: center;
}

.mw-why-grid > div > .mw-eyebrow { margin-bottom: 10px; }

.mw-why-cards {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px;
}

.mw-why-card {
    padding: 20px;
    background: #fff;
    border: 1px solid #e2e8f0;
    border-radius: 16px;
    box-shadow: 0 2px 8px rgba(10,30,80,.04);
    transition: transform .2s ease, box-shadow .2s ease;
    position: relative;
    overflow: hidden;
}
.mw-why-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 3px;
    background: linear-gradient(90deg, #2563eb, #fbbf24);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform .3s ease;
}
.mw-why-card:hover::before { transform: scaleX(1); }
.mw-why-card:hover {
    transform: translateY(-3px);
    box-shadow: 0 8px 22px rgba(10,30,80,.09);
}

.mw-why-card h3 {
    font-size: 15px;
    font-weight: 800;
    color: #2563eb;
    margin: 0 0 7px;
}

.mw-why-card p {
    font-size: 13px;
    color: #64748b;
    line-height: 1.6;
    margin: 0;
}

/* ─────────────────────────────────────────
   ACCORDION + FAQ
───────────────────────────────────────── */
.mw-accordion,
.mw-faq-list {
    display: grid;
    gap: 10px;
}

.mw-accordion-item,
.mw-faq-item {
    background: #fff;
    border: 1px solid #e2e8f0;
    border-radius: 16px;
    overflow: hidden;
    box-shadow: 0 2px 8px rgba(10,30,80,.04);
    transition: border-color .2s;
}
.mw-accordion-item:has(.active),
.mw-faq-item:has(.active) {
    border-color: #bfdbfe;
}

.mw-accordion-header,
.mw-faq-question {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    width: 100%;
    padding: 16px 20px;
    border: none;
    background: #fff;
    color: #071b46;
    font: inherit;
    font-size: 14px;
    font-weight: 700;
    text-align: left;
    cursor: pointer;
    transition: background .15s;
}
.mw-accordion-header:hover,
.mw-faq-question:hover { background: #f8fafc; }

.mw-accordion-header span,
.mw-faq-question span {
    flex-shrink: 0;
    width: 26px; height: 26px;
    border-radius: 50%;
    background: linear-gradient(135deg, #2563eb, #1d4ed8);
    color: #fff;
    font-size: 16px;
    font-weight: 800;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 3px 8px rgba(37,99,235,.25);
    line-height: 1;
    transition: background .2s;
}
.mw-accordion-item:has(.active) .mw-accordion-header span,
.mw-faq-item:has(.active) .mw-faq-question span {
    background: linear-gradient(135deg, #fbbf24, #f97316);
    color: #07142e;
    box-shadow: 0 3px 8px rgba(251,191,36,.28);
}

.mw-accordion-body,
.mw-faq-answer {
    display: none;
    padding: 0 20px 18px;
    border-top: 1px solid #e2e8f0;
    color: #475569;
    font-size: 13.5px;
    line-height: 1.72;
}
.mw-accordion-body.active,
.mw-faq-answer.active { display: block; }

.mw-accordion-body ul {
    margin: 14px 0 0;
    padding-left: 18px;
}
.mw-accordion-body li { margin-bottom: 7px; }
.mw-faq-answer p { margin: 14px 0 0; }

/* ─────────────────────────────────────────
   CONTENT GUIDE
───────────────────────────────────────── */
.mw-content-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
    gap: 16px;
}

.mw-content-box {
    padding: 22px 20px;
    background: #fff;
    border: 1px solid #e2e8f0;
    border-radius: 18px;
    box-shadow: 0 2px 8px rgba(10,30,80,.04);
    transition: transform .2s ease, box-shadow .2s ease;
}
.mw-content-box:hover {
    transform: translateY(-3px);
    box-shadow: 0 8px 22px rgba(10,30,80,.09);
}

.mw-content-box h3 {
    font-size: 15px;
    font-weight: 800;
    color: #071b46;
    margin: 0 0 12px;
    padding-left: 10px;
    border-left: 3px solid #2563eb;
    line-height: 1.3;
}

.mw-content-box ul {
    margin: 0;
    padding-left: 16px;
}
.mw-content-box li {
    font-size: 13px;
    color: #64748b;
    line-height: 1.65;
    margin-bottom: 7px;
}

.mw-full-content {
    margin-top: 24px;
    padding: 24px;
    background: #fff;
    border: 1px solid #e2e8f0;
    border-radius: 18px;
    box-shadow: 0 2px 8px rgba(10,30,80,.04);
}

.mw-full-content h3 {
    font-size: 15px;
    font-weight: 800;
    color: #071b46;
    margin: 0 0 8px;
}
.mw-full-content h3:not(:first-child) { margin-top: 20px; }

.mw-full-content p {
    font-size: 14px;
    color: #64748b;
    line-height: 1.75;
    margin: 0;
}

/* ─────────────────────────────────────────
   BOTTOM CTA BANNER  — matches hero navy
───────────────────────────────────────── */
.mw-bottom-cta {
    padding: 64px 0;
    background:
        radial-gradient(ellipse 60% 80% at 5% 50%, rgba(37,99,235,.18) 0%, transparent 55%),
        linear-gradient(140deg, #02102e 0%, #071b55 55%, #04144a 100%);
    color: #fff;
    position: relative;
    overflow: hidden;
}
.mw-bottom-cta::after {
    content: '';
    position: absolute;
    width: 400px; height: 400px;
    right: -80px; bottom: -160px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(251,191,36,.08) 0%, transparent 65%);
    pointer-events: none;
}

.mw-bottom-cta-box {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 32px;
    position: relative;
    z-index: 1;
}

.mw-bottom-cta .mw-eyebrow { color: #fbbf24; }
.mw-bottom-cta .mw-eyebrow::before { background: #fbbf24; }

.mw-bottom-cta h2 { color: #fff; margin-bottom: 10px; }

.mw-bottom-cta p {
    color: rgba(255,255,255,.72);
    max-width: 560px;
}

/* CTA button override — white on dark bg */
.mw-bottom-cta .mw-btn-primary {
    flex-shrink: 0;
    min-height: 50px;
    padding: 0 28px;
    font-size: 14px;
    white-space: nowrap;
}

/* ─────────────────────────────────────────
   LOAN SCHEMES ACCORDION (bank-specific)
───────────────────────────────────────── */
/* inherits .mw-accordion styles above */

/* ─────────────────────────────────────────
   RESPONSIVE
───────────────────────────────────────── */

/* Large tablet */
@media (max-width: 1100px) {
    .mw-bank-card-main {
        grid-template-columns: 1fr 1fr;
        gap: 18px;
    }
    .mw-bank-action { justify-self: start; align-self: center; }
}

@media (max-width: 991px) {
    .mw-bank-card-main { grid-template-columns: 1fr; }
    .mw-bank-action { width: 100%; }
    .mw-apply-btn { width: 100%; justify-content: center; }

    .mw-why-grid { grid-template-columns: 1fr; gap: 32px; }

    .mw-bottom-cta-box { flex-direction: column; align-items: flex-start; }
    .mw-bottom-cta .mw-btn-primary { width: 100%; justify-content: center; }
}

@media (max-width: 767px) {
    .mw-loan-page .container { width: calc(100% - 32px); }

    .mw-loan-hero, .mw-simple-hero { padding: 48px 0 44px; }
    .mw-section { padding: 48px 0; }

    .mw-simple-hero-content h1 { font-size: 28px; letter-spacing: -.6px; }
    .mw-simple-hero-content p  { font-size: 14px; }

    .mw-bank-metrics { grid-template-columns: repeat(2, 1fr); }
    .mw-bank-card-main { padding: 18px; }
    .mw-bank-card-extra { margin: 0 18px 18px; }

    .mw-why-cards { grid-template-columns: 1fr; }

    .mw-section-head { margin-bottom: 32px; }
    .mw-section-head h2, .mw-why-grid h2, .mw-bottom-cta h2 { font-size: 24px; }

    .mw-bottom-cta { padding: 48px 0; }
}

@media (max-width: 520px) {
    .mw-loan-page .container { width: calc(100% - 24px); }

    .mw-loan-hero, .mw-simple-hero { padding: 40px 0 36px; }
    .mw-section { padding: 40px 0; }

    .mw-simple-hero-content h1 { font-size: 26px; }
    .mw-section-head h2, .mw-bottom-cta h2 { font-size: 22px; }

    .mw-bank-metrics { grid-template-columns: 1fr 1fr; gap: 8px; }
    .mw-metric-card { padding: 10px 12px; }

    .mw-bank-profile { flex-wrap: wrap; }
    .mw-bank-logo-box { width: 100%; height: 60px; }
    .mw-bank-logo-box img { max-width: 130px; }

    .mw-accordion-header, .mw-faq-question { padding: 14px 16px; font-size: 13.5px; }
    .mw-accordion-body, .mw-faq-answer { padding: 0 16px 16px; }

    .mw-benefit-box, .mw-content-box, .mw-why-card { padding: 18px 16px; }
}