/* =====================================================================
   Everstead Financial — Design System
   =====================================================================
   Used on every page. Load AFTER Bootstrap 5.
   All custom colors, typography, buttons, and components.
   ===================================================================== */

/* ---------------------------------------------------------------------
   1. DESIGN TOKENS
   --------------------------------------------------------------------- */
:root {
    /* Brand */
    --ev-navy:           #0B2545;
    --ev-navy-2:         #13315C;
    --ev-navy-3:         #1B4079;
    --ev-gold:           #C8A24B;
    --ev-gold-2:         #B8923F;

    /* Semantic */
    --ev-success:        #0A7A3F;
    --ev-success-bg:     #E6F4EA;
    --ev-warning:        #B26A00;
    --ev-warning-bg:     #FDF3E2;
    --ev-danger:         #B00020;
    --ev-danger-bg:      #FBE9EC;
    --ev-info:           #1E5C9A;
    --ev-info-bg:        #E8F0F9;

    /* Surfaces */
    --ev-bg:             #F5F7FA;
    --ev-surface:        #FFFFFF;
    --ev-surface-2:      #FAFBFD;

    /* Text */
    --ev-text:           #0F172A;
    --ev-text-2:         #475569;
    --ev-text-3:         #64748B;
    --ev-text-muted:     #94A3B8;

    /* Borders */
    --ev-border:         #E2E8F0;
    --ev-border-2:       #CBD5E1;

    /* Radius */
    --ev-radius-sm:      6px;
    --ev-radius:         10px;
    --ev-radius-lg:      16px;

    /* Shadows */
    --ev-shadow-sm:      0 1px 2px rgba(15, 23, 42, .04), 0 1px 3px rgba(15, 23, 42, .06);
    --ev-shadow:         0 4px 12px rgba(15, 23, 42, .06), 0 2px 4px rgba(15, 23, 42, .04);
    --ev-shadow-lg:      0 20px 40px rgba(15, 23, 42, .10), 0 8px 16px rgba(15, 23, 42, .06);

    /* Typography */
    --ev-font-sans:      'Inter', system-ui, -apple-system, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
    --ev-font-mono:      ui-monospace, 'SF Mono', Menlo, Consolas, 'Liberation Mono', monospace;

    /* Bootstrap overrides */
    --bs-primary:        #0B2545;
    --bs-primary-rgb:    11, 37, 69;
    --bs-body-font-family: var(--ev-font-sans);
    --bs-body-color:     var(--ev-text);
    --bs-body-bg:        var(--ev-bg);
    --bs-border-color:   var(--ev-border);
    --bs-link-color:     var(--ev-navy-3);
    --bs-link-hover-color: var(--ev-navy);
}

/* ---------------------------------------------------------------------
   2. BASE TYPOGRAPHY
   --------------------------------------------------------------------- */
html { scroll-behavior: smooth; }

body {
    font-family: var(--ev-font-sans);
    color: var(--ev-text);
    background: var(--ev-bg);
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    line-height: 1.55;
    font-size: 15px;
}

h1, h2, h3, h4, h5, h6 {
    color: var(--ev-navy);
    font-weight: 700;
    letter-spacing: -0.01em;
    line-height: 1.25;
}

h1 { font-size: 2.25rem; }
h2 { font-size: 1.75rem; }
h3 { font-size: 1.375rem; }
h4 { font-size: 1.125rem; }
h5 { font-size: 1rem; }
h6 { font-size: 0.875rem; }

a { color: var(--ev-navy-3); text-decoration: none; }
a:hover { color: var(--ev-navy); text-decoration: underline; }

code, pre, .ev-mono { font-family: var(--ev-font-mono); }

small, .small { font-size: 0.8125rem; }

.text-muted { color: var(--ev-text-3) !important; }

/* ---------------------------------------------------------------------
   3. LAYOUT PRIMITIVES
   --------------------------------------------------------------------- */
.ev-page {
    min-height: 100vh;
    display: flex;
    flex-direction: column;
}

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

.ev-container-narrow { max-width: 520px; }
.ev-container-mid    { max-width: 720px; }

.ev-section { padding: 64px 0; }
.ev-section-sm { padding: 40px 0; }

/* ---------------------------------------------------------------------
   4. CARDS
   --------------------------------------------------------------------- */
.ev-card {
    background: var(--ev-surface);
    border: 1px solid var(--ev-border);
    border-radius: var(--ev-radius);
    box-shadow: var(--ev-shadow-sm);
    padding: 24px;
}

.ev-card-lg { padding: 32px; border-radius: var(--ev-radius-lg); }

.ev-card-hover {
    transition: transform .15s ease, box-shadow .15s ease;
}
.ev-card-hover:hover {
    transform: translateY(-2px);
    box-shadow: var(--ev-shadow);
}

.ev-card-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin: -24px -24px 20px;
    padding: 16px 24px;
    border-bottom: 1px solid var(--ev-border);
    background: var(--ev-surface-2);
    border-radius: var(--ev-radius) var(--ev-radius) 0 0;
}

.ev-card-header h3, .ev-card-header h4 { margin: 0; font-size: 1rem; }

/* ---------------------------------------------------------------------
   5. BUTTONS
   --------------------------------------------------------------------- */
.btn {
    font-weight: 600;
    border-radius: var(--ev-radius-sm);
    padding: 10px 18px;
    transition: transform .12s ease, box-shadow .12s ease, background-color .12s ease;
    font-size: 14px;
    line-height: 1.4;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    justify-content: center;
}
.btn:focus-visible {
    outline: 3px solid rgba(11, 37, 69, .25);
    outline-offset: 2px;
}
.btn-lg { padding: 13px 24px; font-size: 15px; }
.btn-sm { padding: 6px 12px; font-size: 13px; }

.btn-ev-primary {
    background: var(--ev-navy);
    border: 1.5px solid var(--ev-navy);
    color: #fff;
}
.btn-ev-primary:hover {
    background: var(--ev-navy-2);
    border-color: var(--ev-navy-2);
    color: #fff;
    transform: translateY(-1px);
    box-shadow: 0 6px 16px rgba(11, 37, 69, .25);
}

.btn-ev-gold {
    background: var(--ev-gold);
    border: 1.5px solid var(--ev-gold);
    color: var(--ev-navy);
}
.btn-ev-gold:hover {
    background: var(--ev-gold-2);
    border-color: var(--ev-gold-2);
    color: var(--ev-navy);
}

.btn-ev-outline {
    background: #fff;
    border: 1.5px solid var(--ev-border-2);
    color: var(--ev-navy);
}
.btn-ev-outline:hover {
    border-color: var(--ev-navy);
    color: var(--ev-navy);
    background: #fff;
}

.btn-ev-ghost {
    background: transparent;
    border: 1.5px solid transparent;
    color: var(--ev-navy-3);
}
.btn-ev-ghost:hover {
    background: var(--ev-info-bg);
    color: var(--ev-navy);
}

.btn-ev-danger {
    background: var(--ev-danger);
    border: 1.5px solid var(--ev-danger);
    color: #fff;
}
.btn-ev-danger:hover {
    background: #8F0019;
    border-color: #8F0019;
    color: #fff;
}

/* ---------------------------------------------------------------------
   6. FORMS
   --------------------------------------------------------------------- */
.form-label {
    font-weight: 600;
    color: var(--ev-text);
    font-size: 13.5px;
    margin-bottom: 6px;
}
.form-label .required { color: var(--ev-danger); margin-left: 2px; }

.form-control, .form-select {
    border: 1.5px solid var(--ev-border);
    border-radius: var(--ev-radius-sm);
    padding: 10px 14px;
    font-size: 14.5px;
    background: #fff;
    color: var(--ev-text);
    transition: border-color .12s ease, box-shadow .12s ease;
    height: auto;
    line-height: 1.45;
}
.form-control:focus, .form-select:focus {
    border-color: var(--ev-navy-3);
    box-shadow: 0 0 0 3px rgba(11, 37, 69, .12);
    outline: none;
}
.form-control::placeholder { color: var(--ev-text-muted); }

.form-control.is-invalid, .form-select.is-invalid {
    border-color: var(--ev-danger);
    background-image: none;
}
.form-control.is-invalid:focus {
    box-shadow: 0 0 0 3px rgba(176, 0, 32, .15);
}

.invalid-feedback {
    display: block;
    font-size: 12.5px;
    color: var(--ev-danger);
    margin-top: 5px;
}

.form-text {
    color: var(--ev-text-3);
    font-size: 12.5px;
    margin-top: 5px;
}

/* ---------------------------------------------------------------------
   7. ALERTS
   --------------------------------------------------------------------- */
.ev-alert {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding: 14px 16px;
    border-radius: var(--ev-radius-sm);
    border: 1px solid transparent;
    font-size: 14px;
    margin-bottom: 18px;
}
.ev-alert i { font-size: 16px; margin-top: 1px; flex-shrink: 0; }
.ev-alert .ev-alert-title { font-weight: 700; margin-bottom: 3px; }
.ev-alert .ev-alert-body { color: inherit; opacity: .9; }

.ev-alert-success { background: var(--ev-success-bg); border-color: #B6E0C4; color: #075E30; }
.ev-alert-error   { background: var(--ev-danger-bg);  border-color: #F2C0C9; color: #7A0015; }
.ev-alert-warning { background: var(--ev-warning-bg); border-color: #F1D9A8; color: #7A4600; }
.ev-alert-info    { background: var(--ev-info-bg);    border-color: #BFD6EE; color: #103F6A; }

/* ---------------------------------------------------------------------
   8. BADGES
   --------------------------------------------------------------------- */
.ev-badge {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    padding: 3px 10px;
    border-radius: 999px;
    font-size: 11.5px;
    font-weight: 600;
    letter-spacing: .02em;
    text-transform: uppercase;
    line-height: 1.5;
    white-space: nowrap;
}
.ev-badge-neutral  { background: #EEF2F7; color: #3A4A5C; }
.ev-badge-success  { background: var(--ev-success-bg); color: var(--ev-success); }
.ev-badge-warning  { background: var(--ev-warning-bg); color: var(--ev-warning); }
.ev-badge-danger   { background: var(--ev-danger-bg); color: var(--ev-danger); }
.ev-badge-info     { background: var(--ev-info-bg); color: var(--ev-info); }
.ev-badge-gold     { background: rgba(200, 162, 75, .18); color: #7A5F1E; }

/* ---------------------------------------------------------------------
   9. TABLES
   --------------------------------------------------------------------- */
.ev-table {
    width: 100%;
    background: var(--ev-surface);
    border-collapse: separate;
    border-spacing: 0;
    border: 1px solid var(--ev-border);
    border-radius: var(--ev-radius);
    overflow: hidden;
    font-size: 14px;
}
.ev-table thead th {
    background: var(--ev-surface-2);
    color: var(--ev-text-2);
    font-weight: 600;
    font-size: 12px;
    letter-spacing: .04em;
    text-transform: uppercase;
    padding: 12px 16px;
    border-bottom: 1px solid var(--ev-border);
    text-align: left;
    white-space: nowrap;
}
.ev-table tbody td {
    padding: 14px 16px;
    border-bottom: 1px solid var(--ev-border);
    vertical-align: middle;
}
.ev-table tbody tr:last-child td { border-bottom: none; }
.ev-table tbody tr:hover { background: var(--ev-surface-2); }
.ev-table .ev-num { text-align: right; font-variant-numeric: tabular-nums; }

/* ---------------------------------------------------------------------
   10. AUTH LAYOUT (login, register, forgot, reset)
   --------------------------------------------------------------------- */
.ev-auth-wrap {
    min-height: 100vh;
    display: flex;
    flex-direction: column;
    background: linear-gradient(160deg, #F5F7FA 0%, #E8EEF5 100%);
}

.ev-auth-header {
    padding: 22px 0;
    background: transparent;
}
.ev-auth-header .ev-brand {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    color: var(--ev-navy);
    font-weight: 800;
    font-size: 20px;
    letter-spacing: -0.02em;
    text-decoration: none;
}
.ev-auth-header .ev-brand:hover { text-decoration: none; color: var(--ev-navy); }
.ev-brand-mark {
    width: 34px; height: 34px;
    border-radius: 8px;
    background: var(--ev-navy);
    color: var(--ev-gold);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 18px;
    letter-spacing: -0.03em;
}

.ev-auth-main {
    flex: 1;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 20px;
}

.ev-auth-card {
    width: 100%;
    max-width: 460px;
    background: #fff;
    border: 1px solid var(--ev-border);
    border-radius: var(--ev-radius-lg);
    box-shadow: var(--ev-shadow);
    padding: 40px 36px;
}

.ev-auth-card-wide { max-width: 640px; }

.ev-auth-title {
    font-size: 1.5rem;
    margin: 0 0 6px;
    color: var(--ev-navy);
}
.ev-auth-subtitle {
    color: var(--ev-text-3);
    font-size: 14.5px;
    margin: 0 0 28px;
}

.ev-auth-footer {
    padding: 24px 0 32px;
    color: var(--ev-text-3);
    font-size: 12.5px;
    text-align: center;
}
.ev-auth-footer a { color: var(--ev-text-3); }
.ev-auth-footer a:hover { color: var(--ev-navy); }
.ev-auth-footer .ev-sep { margin: 0 8px; color: var(--ev-border-2); }

/* ---------------------------------------------------------------------
   11. UTILITIES
   --------------------------------------------------------------------- */
.ev-divider {
    height: 1px;
    background: var(--ev-border);
    margin: 24px 0;
    border: none;
}
.ev-divider-text {
    display: flex;
    align-items: center;
    gap: 12px;
    color: var(--ev-text-3);
    font-size: 12.5px;
    text-transform: uppercase;
    letter-spacing: .1em;
    margin: 22px 0;
}
.ev-divider-text::before,
.ev-divider-text::after {
    content: '';
    flex: 1;
    height: 1px;
    background: var(--ev-border);
}

.ev-hidden { display: none !important; }
.ev-flex   { display: flex; }
.ev-center { display: flex; align-items: center; justify-content: center; }
.ev-stack-sm > * + * { margin-top: 8px; }
.ev-stack    > * + * { margin-top: 16px; }
.ev-stack-lg > * + * { margin-top: 24px; }

.ev-text-right { text-align: right; }
.ev-text-center { text-align: center; }
.ev-w-100 { width: 100%; }

/* ---------------------------------------------------------------------
   12. RESPONSIVE
   --------------------------------------------------------------------- */
@media (max-width: 640px) {
    h1 { font-size: 1.75rem; }
    h2 { font-size: 1.5rem; }

    .ev-auth-card { padding: 28px 22px; }
    .ev-card-lg   { padding: 22px; }
    .ev-section   { padding: 40px 0; }
}

/* =====================================================================
   PUBLIC WEBSITE — appended in Phase 5
   ===================================================================== */

/* ---------------------------------------------------------------------
   Public body
   --------------------------------------------------------------------- */
body.ev-public {
    background: var(--ev-surface);
    font-size: 16px;
    color: var(--ev-text);
    display: flex;
    flex-direction: column;
    min-height: 100vh;
}
.ev-public .ev-main { flex: 1; }

.ev-public .ev-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
}

/* Skip link */
.ev-skip-link {
    position: absolute;
    left: -9999px;
    top: 8px;
    background: var(--ev-navy);
    color: #fff;
    padding: 10px 16px;
    border-radius: 6px;
    z-index: 10000;
    font-weight: 600;
    text-decoration: none;
}
.ev-skip-link:focus { left: 8px; color: #fff; }

/* ---------------------------------------------------------------------
   Site header
   --------------------------------------------------------------------- */
.ev-site-header {
    position: sticky;
    top: 0;
    z-index: 1000;
    background: rgba(255, 255, 255, .88);
    backdrop-filter: saturate(180%) blur(14px);
    -webkit-backdrop-filter: saturate(180%) blur(14px);
    border-bottom: 1px solid transparent;
    transition: border-color .15s ease, box-shadow .15s ease;
}
.ev-site-header.is-scrolled {
    border-bottom-color: var(--ev-border);
    box-shadow: 0 4px 20px rgba(15, 23, 42, .04);
}
.ev-header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
    height: 72px;
}

.ev-brand {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    font-weight: 800;
    font-size: 20px;
    letter-spacing: -0.02em;
    color: var(--ev-navy);
    text-decoration: none;
}
.ev-brand:hover { color: var(--ev-navy); text-decoration: none; }
.ev-brand-mark {
    width: 34px; height: 34px;
    border-radius: 8px;
    background: var(--ev-navy);
    color: var(--ev-gold);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 18px;
    letter-spacing: -0.03em;
}
.ev-brand-name { line-height: 1; }

.ev-nav-desktop { display: none; }
.ev-nav-list {
    display: flex;
    gap: 4px;
    list-style: none;
    margin: 0;
    padding: 0;
}
.ev-nav-link {
    display: inline-block;
    padding: 8px 14px;
    border-radius: 8px;
    color: var(--ev-text-2);
    font-weight: 500;
    font-size: 14.5px;
    text-decoration: none;
    transition: color .12s ease, background-color .12s ease;
}
.ev-nav-link:hover {
    color: var(--ev-navy);
    background: var(--ev-surface-2);
    text-decoration: none;
}
.ev-nav-link.is-active {
    color: var(--ev-navy);
    background: var(--ev-info-bg);
    font-weight: 600;
}

.ev-header-actions {
    display: flex;
    align-items: center;
    gap: 10px;
}
.ev-link-quiet {
    color: var(--ev-text-2);
    font-weight: 500;
    font-size: 14.5px;
    text-decoration: none;
    padding: 8px 12px;
    border-radius: 8px;
}
.ev-link-quiet:hover { color: var(--ev-navy); text-decoration: none; }
.ev-cta-apply {
    padding: 9px 18px;
    font-size: 14px;
}

/* Mobile toggle */
.ev-mobile-toggle {
    display: inline-flex;
    flex-direction: column;
    justify-content: center;
    gap: 5px;
    width: 40px; height: 40px;
    border: 1px solid var(--ev-border);
    background: #fff;
    border-radius: 8px;
    padding: 0 9px;
    cursor: pointer;
    transition: border-color .12s ease;
}
.ev-mobile-toggle:hover { border-color: var(--ev-border-2); }
.ev-mobile-toggle span {
    display: block;
    height: 2px;
    background: var(--ev-navy);
    border-radius: 2px;
    transition: transform .15s ease;
}

@media (min-width: 992px) {
    .ev-nav-desktop { display: block; }
    .ev-mobile-toggle { display: none; }
}

/* ---------------------------------------------------------------------
   Mobile nav panel
   --------------------------------------------------------------------- */
.ev-mobile-nav {
    position: fixed;
    inset: 0;
    background: rgba(15, 23, 42, .4);
    opacity: 0;
    visibility: hidden;
    transition: opacity .18s ease, visibility .18s ease;
    z-index: 2000;
}
.ev-mobile-nav.is-open {
    opacity: 1;
    visibility: visible;
}
.ev-mobile-nav-inner {
    position: absolute;
    top: 0; right: 0;
    width: min(360px, 90vw);
    height: 100%;
    background: #fff;
    transform: translateX(100%);
    transition: transform .22s ease;
    padding: 20px;
    display: flex;
    flex-direction: column;
    overflow-y: auto;
}
.ev-mobile-nav.is-open .ev-mobile-nav-inner {
    transform: translateX(0);
}
.ev-mobile-nav-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 24px;
}
.ev-mobile-close {
    border: none;
    background: transparent;
    font-size: 22px;
    color: var(--ev-text-2);
    cursor: pointer;
    padding: 6px 10px;
    border-radius: 8px;
}
.ev-mobile-close:hover { background: var(--ev-surface-2); color: var(--ev-navy); }

.ev-mobile-nav-list {
    list-style: none;
    margin: 0;
    padding: 0;
    display: flex;
    flex-direction: column;
    gap: 4px;
}
.ev-mobile-nav-link {
    display: block;
    padding: 14px 14px;
    border-radius: 10px;
    color: var(--ev-text);
    font-weight: 600;
    font-size: 16px;
    text-decoration: none;
}
.ev-mobile-nav-link:hover,
.ev-mobile-nav-link.is-active {
    background: var(--ev-surface-2);
    color: var(--ev-navy);
    text-decoration: none;
}
.ev-mobile-nav-actions {
    margin-top: auto;
    padding-top: 24px;
    display: flex;
    flex-direction: column;
    gap: 10px;
}

/* ---------------------------------------------------------------------
   Public section primitives
   --------------------------------------------------------------------- */
.ev-section {
    padding: 96px 0;
}
.ev-section-tight { padding: 64px 0; }
.ev-section-hero {
    padding: 80px 0 96px;
    background:
        radial-gradient(1200px 500px at 80% -10%, rgba(11, 37, 69, .08), transparent 60%),
        radial-gradient(900px 400px at 10% 20%, rgba(200, 162, 75, .10), transparent 65%),
        linear-gradient(180deg, #F7F9FC 0%, #EEF3F9 100%);
    position: relative;
    overflow: hidden;
}

.ev-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 12.5px;
    font-weight: 700;
    letter-spacing: .14em;
    text-transform: uppercase;
    color: var(--ev-navy-3);
    background: #fff;
    border: 1px solid var(--ev-border);
    padding: 7px 14px;
    border-radius: 999px;
    margin-bottom: 22px;
}
.ev-eyebrow i { color: var(--ev-gold); }

.ev-h1 {
    font-size: clamp(2.25rem, 5vw, 3.75rem);
    line-height: 1.05;
    letter-spacing: -0.03em;
    font-weight: 800;
    color: var(--ev-navy);
    margin: 0 0 20px;
}
.ev-h2 {
    font-size: clamp(1.75rem, 3vw, 2.5rem);
    line-height: 1.15;
    letter-spacing: -0.02em;
    font-weight: 800;
    color: var(--ev-navy);
    margin: 0 0 16px;
}
.ev-h3 {
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--ev-navy);
    margin: 0 0 10px;
}
.ev-lead {
    font-size: 1.125rem;
    line-height: 1.65;
    color: var(--ev-text-2);
    max-width: 62ch;
}
.ev-muted { color: var(--ev-text-3); }
.ev-section-head {
    max-width: 720px;
    margin-bottom: 56px;
}
.ev-section-head.ev-center { margin-left: auto; margin-right: auto; text-align: center; }

/* Hero grid */
.ev-hero-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 56px;
    align-items: center;
}
@media (min-width: 992px) {
    .ev-hero-grid { grid-template-columns: 1.15fr .85fr; gap: 72px; }
}

.ev-hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin-top: 32px;
}
.ev-hero-trust {
    margin-top: 40px;
    display: flex;
    flex-wrap: wrap;
    gap: 24px 32px;
}
.ev-trust-item {
    display: flex;
    align-items: center;
    gap: 10px;
    color: var(--ev-text-2);
    font-size: 13.5px;
    font-weight: 500;
}
.ev-trust-item i {
    color: var(--ev-success);
    font-size: 15px;
}

/* Hero card (calculator preview) */
.ev-hero-card {
    background: #fff;
    border: 1px solid var(--ev-border);
    border-radius: var(--ev-radius-lg);
    box-shadow: var(--ev-shadow-lg);
    padding: 28px;
}
.ev-hero-card-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 20px;
}
.ev-hero-card-header h3 {
    margin: 0;
    font-size: 15px;
    font-weight: 700;
    color: var(--ev-navy);
}
.ev-hero-card-header .ev-badge { font-size: 11px; }
.ev-hero-value {
    font-size: 2.5rem;
    font-weight: 800;
    color: var(--ev-navy);
    letter-spacing: -0.03em;
    line-height: 1;
    margin-bottom: 6px;
}
.ev-hero-value sup { font-size: 1.25rem; vertical-align: top; margin-right: 2px; }
.ev-hero-value-cap {
    color: var(--ev-text-3);
    font-size: 13px;
    margin-bottom: 24px;
}
.ev-hero-meta {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    padding-top: 20px;
    border-top: 1px solid var(--ev-border);
}
.ev-hero-meta-item { display: flex; flex-direction: column; gap: 2px; }
.ev-hero-meta-item span:first-child {
    font-size: 11.5px;
    color: var(--ev-text-3);
    text-transform: uppercase;
    letter-spacing: .06em;
    font-weight: 600;
}
.ev-hero-meta-item span:last-child {
    font-size: 15px;
    font-weight: 700;
    color: var(--ev-navy);
    font-variant-numeric: tabular-nums;
}

/* ---------------------------------------------------------------------
   Product / feature cards
   --------------------------------------------------------------------- */
.ev-grid-3 {
    display: grid;
    grid-template-columns: 1fr;
    gap: 20px;
}
@media (min-width: 768px) { .ev-grid-3 { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .ev-grid-3 { grid-template-columns: repeat(3, 1fr); } }

.ev-grid-2 {
    display: grid;
    grid-template-columns: 1fr;
    gap: 20px;
}
@media (min-width: 768px) { .ev-grid-2 { grid-template-columns: repeat(2, 1fr); } }

.ev-product-card {
    background: #fff;
    border: 1px solid var(--ev-border);
    border-radius: var(--ev-radius-lg);
    padding: 28px;
    display: flex;
    flex-direction: column;
    transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
    text-decoration: none;
    color: inherit;
}
.ev-product-card:hover {
    transform: translateY(-3px);
    border-color: var(--ev-navy-3);
    box-shadow: var(--ev-shadow);
    text-decoration: none;
    color: inherit;
}
.ev-product-icon {
    width: 48px; height: 48px;
    border-radius: 12px;
    background: var(--ev-info-bg);
    color: var(--ev-navy);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    margin-bottom: 20px;
}
.ev-product-card h3 {
    font-size: 1.15rem;
    font-weight: 700;
    color: var(--ev-navy);
    margin: 0 0 8px;
}
.ev-product-card p {
    color: var(--ev-text-3);
    font-size: 14.5px;
    line-height: 1.55;
    margin: 0 0 20px;
}
.ev-product-meta {
    margin-top: auto;
    padding-top: 16px;
    border-top: 1px solid var(--ev-border);
    display: flex;
    align-items: center;
    justify-content: space-between;
    font-size: 13px;
    color: var(--ev-text-3);
}
.ev-product-meta strong { color: var(--ev-navy); font-weight: 700; }
.ev-product-cta {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    color: var(--ev-navy);
    font-weight: 600;
    font-size: 13.5px;
}

/* Feature rows */
.ev-feature {
    display: flex;
    gap: 18px;
    align-items: flex-start;
}
.ev-feature-icon {
    flex-shrink: 0;
    width: 44px; height: 44px;
    border-radius: 10px;
    background: rgba(200, 162, 75, .14);
    color: var(--ev-gold-2);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
}
.ev-feature h3 {
    font-size: 1rem;
    font-weight: 700;
    color: var(--ev-navy);
    margin: 0 0 6px;
}
.ev-feature p {
    color: var(--ev-text-3);
    font-size: 14px;
    line-height: 1.6;
    margin: 0;
}

/* Steps */
.ev-steps {
    display: grid;
    grid-template-columns: 1fr;
    gap: 24px;
    counter-reset: step;
}
@media (min-width: 768px) { .ev-steps { grid-template-columns: repeat(3, 1fr); } }

.ev-step {
    padding: 28px;
    background: #fff;
    border: 1px solid var(--ev-border);
    border-radius: var(--ev-radius-lg);
    position: relative;
}
.ev-step-no {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 34px; height: 34px;
    border-radius: 50%;
    background: var(--ev-navy);
    color: #fff;
    font-weight: 700;
    font-size: 14px;
    margin-bottom: 16px;
}
.ev-step h3 { font-size: 1.05rem; margin: 0 0 8px; }
.ev-step p { color: var(--ev-text-3); font-size: 14.5px; line-height: 1.6; margin: 0; }

/* CTA band */
.ev-cta-band {
    padding: 72px 0;
    background: linear-gradient(135deg, var(--ev-navy) 0%, var(--ev-navy-2) 100%);
    color: #fff;
}
.ev-cta-band h2 {
    color: #fff;
    font-size: clamp(1.75rem, 3vw, 2.25rem);
    margin: 0 0 12px;
}
.ev-cta-band p {
    color: rgba(255,255,255,.78);
    font-size: 1.05rem;
    margin: 0 0 28px;
    max-width: 60ch;
}
.ev-cta-band .btn-ev-outline {
    background: transparent;
    border-color: rgba(255,255,255,.4);
    color: #fff;
}
.ev-cta-band .btn-ev-outline:hover {
    background: rgba(255,255,255,.08);
    border-color: #fff;
    color: #fff;
}

/* ---------------------------------------------------------------------
   Public footer
   --------------------------------------------------------------------- */
.ev-site-footer {
    background: #081B34;
    color: rgba(255,255,255,.72);
    margin-top: auto;
}
.ev-footer-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 40px;
    padding: 64px 0 48px;
}
@media (min-width: 768px) {
    .ev-footer-grid { grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; }
}
.ev-footer-brand .ev-brand { color: #fff; margin-bottom: 16px; }
.ev-brand-footer .ev-brand-name { color: #fff; }
.ev-footer-mission {
    color: rgba(255,255,255,.65);
    font-size: 14px;
    line-height: 1.6;
    margin: 0 0 16px;
    max-width: 40ch;
}
.ev-footer-address {
    color: rgba(255,255,255,.5);
    font-size: 13px;
    line-height: 1.6;
    margin: 0;
}
.ev-footer-heading {
    color: #fff;
    font-size: 13px;
    font-weight: 700;
    letter-spacing: .08em;
    text-transform: uppercase;
    margin: 0 0 16px;
}
.ev-footer-col ul {
    list-style: none;
    margin: 0;
    padding: 0;
    display: flex;
    flex-direction: column;
    gap: 10px;
}
.ev-footer-col li {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 14px;
}
.ev-footer-col li i { color: rgba(255,255,255,.35); width: 14px; }
.ev-footer-col a {
    color: rgba(255,255,255,.72);
    text-decoration: none;
    transition: color .12s ease;
}
.ev-footer-col a:hover { color: #fff; text-decoration: none; }

.ev-footer-disclaimer {
    border-top: 1px solid rgba(255,255,255,.08);
    padding: 32px 0;
}
.ev-footer-disclaimer p {
    color: rgba(255,255,255,.45);
    font-size: 12px;
    line-height: 1.65;
    margin: 0 0 10px;
    max-width: 100ch;
}
.ev-footer-disclaimer p:last-child { margin-bottom: 0; }

.ev-footer-bottom {
    border-top: 1px solid rgba(255,255,255,.08);
    padding: 22px 0;
}
.ev-footer-bottom-inner {
    display: flex;
    flex-wrap: wrap;
    gap: 12px 24px;
    align-items: center;
    justify-content: space-between;
}
.ev-footer-legal,
.ev-footer-copy {
    font-size: 13px;
    color: rgba(255,255,255,.55);
}
.ev-footer-legal a {
    color: rgba(255,255,255,.65);
    text-decoration: none;
}
.ev-footer-legal a:hover { color: #fff; text-decoration: none; }
.ev-dot { color: rgba(255,255,255,.25); padding: 0 4px; }

/* ---------------------------------------------------------------------
   Public page responsive tweaks
   --------------------------------------------------------------------- */
@media (max-width: 640px) {
    .ev-section { padding: 56px 0; }
    .ev-section-hero { padding: 48px 0 64px; }
    .ev-hero-card { padding: 22px; }
    .ev-hero-value { font-size: 2rem; }
    .ev-header-inner { height: 64px; }
    .ev-footer-grid { padding: 40px 0 32px; }
}


/* =====================================================================
   HOMEPAGE — appended in Phase 5 Batch 2
   ===================================================================== */

/* ---------------------------------------------------------------------
   Trust strip (right under the hero)
   --------------------------------------------------------------------- */
.ev-trust-strip {
    background: var(--ev-surface);
    border-top: 1px solid var(--ev-border);
    border-bottom: 1px solid var(--ev-border);
    padding: 28px 0;
}
.ev-trust-strip-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 20px;
}
@media (min-width: 768px) { .ev-trust-strip-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .ev-trust-strip-grid { grid-template-columns: repeat(4, 1fr); } }

.ev-trust-strip-item {
    display: flex;
    align-items: flex-start;
    gap: 14px;
}
.ev-trust-strip-item i {
    color: var(--ev-gold);
    font-size: 18px;
    width: 24px;
    margin-top: 2px;
    flex-shrink: 0;
}
.ev-trust-strip-item strong {
    display: block;
    font-size: 14px;
    color: var(--ev-navy);
    font-weight: 700;
    margin-bottom: 2px;
}
.ev-trust-strip-item span {
    color: var(--ev-text-3);
    font-size: 13px;
    line-height: 1.5;
}

/* ---------------------------------------------------------------------
   Live calculator (hero + calculator page)
   --------------------------------------------------------------------- */
.ev-calc-field {
    margin-bottom: 18px;
}
.ev-calc-label {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 13px;
    font-weight: 600;
    color: var(--ev-text-2);
    margin-bottom: 8px;
}
.ev-calc-value {
    color: var(--ev-navy);
    font-size: 14px;
    font-weight: 700;
    font-variant-numeric: tabular-nums;
}

.ev-calc-range {
    width: 100%;
    -webkit-appearance: none;
    appearance: none;
    background: transparent;
    height: 24px;
    cursor: pointer;
}
.ev-calc-range::-webkit-slider-runnable-track {
    height: 6px;
    background: var(--ev-border);
    border-radius: 3px;
}
.ev-calc-range::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: var(--ev-navy);
    border: 3px solid #fff;
    box-shadow: 0 1px 4px rgba(11, 37, 69, .3);
    margin-top: -7px;
    transition: transform .12s ease;
}
.ev-calc-range::-webkit-slider-thumb:hover {
    transform: scale(1.08);
}
.ev-calc-range::-moz-range-track {
    height: 6px;
    background: var(--ev-border);
    border-radius: 3px;
}
.ev-calc-range::-moz-range-thumb {
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: var(--ev-navy);
    border: 3px solid #fff;
    box-shadow: 0 1px 4px rgba(11, 37, 69, .3);
    cursor: pointer;
}

.ev-calc-disclaimer {
    margin: 20px 0 0;
    padding-top: 16px;
    border-top: 1px solid var(--ev-border);
    font-size: 12px;
    color: var(--ev-text-3);
    line-height: 1.55;
}

/* ---------------------------------------------------------------------
   Q&A preview cards
   --------------------------------------------------------------------- */
.ev-qa-card {
    background: #fff;
    border: 1px solid var(--ev-border);
    border-radius: var(--ev-radius);
    padding: 24px;
}
.ev-qa-card h3 {
    font-size: 1rem;
    color: var(--ev-navy);
    margin: 0 0 8px;
    font-weight: 700;
}
.ev-qa-card p {
    color: var(--ev-text-2);
    font-size: 14px;
    line-height: 1.65;
    margin: 0;
}

/* =====================================================================
   LOAN PRODUCTS & DETAILS — appended in Phase 5 Batch 3
   ===================================================================== */

/* Filter pills */
.ev-loans-filter {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    padding: 20px 0;
}
.ev-filter-pill {
    display: inline-flex;
    align-items: center;
    padding: 9px 16px;
    border-radius: 999px;
    border: 1.5px solid var(--ev-border);
    background: #fff;
    color: var(--ev-text-2);
    font-weight: 600;
    font-size: 13.5px;
    text-decoration: none;
    transition: all .12s ease;
}
.ev-filter-pill:hover {
    border-color: var(--ev-border-2);
    color: var(--ev-navy);
    text-decoration: none;
}
.ev-filter-pill.is-active {
    background: var(--ev-navy);
    border-color: var(--ev-navy);
    color: #fff;
}

/* Larger product card (used on loans.php) */
.ev-product-card-lg {
    padding: 32px;
    min-height: 320px;
}
.ev-product-card-lg h2 { margin-top: 0; }

.ev-product-facts {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px 20px;
    margin-bottom: 22px;
    padding-bottom: 22px;
    border-bottom: 1px solid var(--ev-border);
}
.ev-product-fact { display: flex; flex-direction: column; gap: 2px; }
.ev-product-fact-label {
    font-size: 11.5px;
    text-transform: uppercase;
    letter-spacing: .06em;
    color: var(--ev-text-3);
    font-weight: 700;
}
.ev-product-fact-value {
    font-size: 13.5px;
    color: var(--ev-navy);
    font-weight: 600;
    font-variant-numeric: tabular-nums;
}

/* Breadcrumb */
.ev-breadcrumb {
    background: #fff;
    border-bottom: 1px solid var(--ev-border);
    padding: 16px 0;
}
.ev-breadcrumb .ev-container {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 13.5px;
    color: var(--ev-text-3);
}
.ev-breadcrumb a { color: var(--ev-text-3); text-decoration: none; }
.ev-breadcrumb a:hover { color: var(--ev-navy); text-decoration: underline; }
.ev-breadcrumb-sep { color: var(--ev-text-muted); }
.ev-breadcrumb > .ev-container > span:last-child { color: var(--ev-navy); font-weight: 600; }

/* Detail hero fact row */
.ev-detail-facts {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px 24px;
    margin: 32px 0;
    padding: 24px 0;
    border-top: 1px solid var(--ev-border);
    border-bottom: 1px solid var(--ev-border);
}
.ev-detail-fact { display: flex; flex-direction: column; gap: 4px; }
.ev-detail-fact-label {
    font-size: 11.5px;
    text-transform: uppercase;
    letter-spacing: .06em;
    color: var(--ev-text-3);
    font-weight: 700;
}
.ev-detail-fact-value {
    font-size: 1.05rem;
    color: var(--ev-navy);
    font-weight: 700;
    font-variant-numeric: tabular-nums;
}

/* Tabs */
.ev-tabs {
    border-bottom: 1px solid var(--ev-border);
    margin-bottom: 32px;
    flex-wrap: wrap;
    gap: 4px;
}
.ev-tabs .nav-link {
    border: none;
    color: var(--ev-text-3);
    font-weight: 600;
    font-size: 14.5px;
    padding: 12px 18px;
    border-bottom: 2px solid transparent;
    background: transparent;
    border-radius: 0;
}
.ev-tabs .nav-link:hover {
    color: var(--ev-navy);
    border-bottom-color: var(--ev-border-2);
}
.ev-tabs .nav-link.active {
    color: var(--ev-navy);
    border-bottom-color: var(--ev-navy);
    background: transparent;
    font-weight: 700;
}
.ev-tab-content { padding-top: 8px; }

/* Prose block for tab content */
.ev-prose {
    color: var(--ev-text-2);
    font-size: 15px;
    line-height: 1.75;
    max-width: 72ch;
}
.ev-prose p { margin: 0 0 16px; }
.ev-prose p:last-child { margin-bottom: 0; }

/* Rates table */
.ev-rates-table-wrap {
    background: #fff;
    border-radius: var(--ev-radius);
    overflow: hidden;
}
.ev-rates-table-wrap .ev-table th {
    background: var(--ev-surface-2);
    color: var(--ev-text-2);
    text-transform: none;
    font-size: 13.5px;
    letter-spacing: 0;
    font-weight: 600;
    padding: 14px 20px;
}
.ev-rates-table-wrap .ev-table td {
    padding: 14px 20px;
    font-variant-numeric: tabular-nums;
}

@media (max-width: 640px) {
    .ev-product-facts,
    .ev-detail-facts { grid-template-columns: 1fr; }
}

/* =====================================================================
   FULL CALCULATOR PAGE — appended in Phase 5 Batch 4
   ===================================================================== */

.ev-calc-page {
    display: grid;
    grid-template-columns: 1fr;
    gap: 28px;
    align-items: start;
}
@media (min-width: 992px) {
    .ev-calc-page { grid-template-columns: 1.15fr .85fr; gap: 32px; }
    .ev-calc-results { position: sticky; top: 92px; }
}

.ev-calc-page-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 24px;
    padding-bottom: 18px;
    border-bottom: 1px solid var(--ev-border);
}

.ev-btn-print {
    background: transparent;
    border: 1px solid var(--ev-border);
    border-radius: 8px;
    padding: 7px 12px;
    color: var(--ev-text-2);
    font-size: 13px;
    font-weight: 600;
    display: inline-flex;
    align-items: center;
    gap: 6px;
    cursor: pointer;
    transition: all .12s ease;
}
.ev-btn-print:hover {
    border-color: var(--ev-navy);
    color: var(--ev-navy);
}

.ev-calc-field-lg {
    margin-bottom: 26px;
}
.ev-calc-label-lg {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 14px;
    font-weight: 600;
    color: var(--ev-text);
    margin-bottom: 10px;
}
.ev-calc-value-lg {
    color: var(--ev-navy);
    font-weight: 700;
    font-variant-numeric: tabular-nums;
}

/* Input group with prefix/suffix ($, %) */
.ev-input-group {
    position: relative;
    display: flex;
    align-items: center;
}
.ev-input-group .ev-input-prefix,
.ev-input-group .ev-input-suffix {
    position: absolute;
    color: var(--ev-text-3);
    font-size: 15px;
    font-weight: 600;
    pointer-events: none;
}
.ev-input-group .ev-input-prefix { left: 14px; }
.ev-input-group .ev-input-suffix { right: 14px; }

.ev-num-input {
    padding-left: 32px;
    font-size: 16px;
    font-weight: 600;
    font-variant-numeric: tabular-nums;
}
.ev-num-input-right { padding-left: 14px; padding-right: 34px; }

.ev-range-labels {
    display: flex;
    justify-content: space-between;
    font-size: 11.5px;
    color: var(--ev-text-muted);
    margin-top: 4px;
}

.ev-calc-range-lg { height: 28px; }
.ev-calc-range-lg::-webkit-slider-thumb { width: 22px; height: 22px; margin-top: -8px; }
.ev-calc-range-lg::-moz-range-thumb { width: 22px; height: 22px; }

/* Switch */
.ev-switch {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    cursor: pointer;
    user-select: none;
}
.ev-switch input { position: absolute; opacity: 0; pointer-events: none; }
.ev-switch-track {
    position: relative;
    width: 42px;
    height: 24px;
    background: var(--ev-border-2);
    border-radius: 999px;
    transition: background .15s ease;
    flex-shrink: 0;
}
.ev-switch-track::after {
    content: '';
    position: absolute;
    top: 3px; left: 3px;
    width: 18px; height: 18px;
    border-radius: 50%;
    background: #fff;
    box-shadow: 0 1px 3px rgba(0,0,0,.15);
    transition: transform .15s ease;
}
.ev-switch input:checked ~ .ev-switch-track {
    background: var(--ev-navy);
}
.ev-switch input:checked ~ .ev-switch-track::after {
    transform: translateX(18px);
}
.ev-switch-label {
    font-size: 14px;
    color: var(--ev-text-2);
    font-weight: 500;
}

/* Big monthly value */
.ev-calc-big-value {
    font-size: 3.25rem;
    font-weight: 800;
    letter-spacing: -0.03em;
    color: var(--ev-navy);
    line-height: 1;
    margin-bottom: 10px;
    font-variant-numeric: tabular-nums;
}
.ev-calc-big-value sup { font-size: 1.5rem; vertical-align: top; margin-right: 2px; }
.ev-calc-big-unit {
    font-size: 1.125rem;
    color: var(--ev-text-3);
    font-weight: 600;
    letter-spacing: 0;
    margin-left: 4px;
}

.ev-calc-summary-meta {
    color: var(--ev-text-3);
    font-size: 14px;
    margin-bottom: 28px;
    line-height: 1.55;
}

.ev-calc-breakdown {
    border-top: 1px solid var(--ev-border);
    padding-top: 18px;
    display: flex;
    flex-direction: column;
    gap: 12px;
    margin-bottom: 20px;
}
.ev-calc-breakdown-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 14px;
}
.ev-calc-breakdown-label { color: var(--ev-text-3); }
.ev-calc-breakdown-value {
    color: var(--ev-navy);
    font-weight: 700;
    font-variant-numeric: tabular-nums;
}
.ev-calc-breakdown-total {
    padding-top: 12px;
    border-top: 1px solid var(--ev-border);
    font-size: 15px;
}
.ev-calc-breakdown-total .ev-calc-breakdown-label { color: var(--ev-navy); font-weight: 600; }
.ev-calc-breakdown-total .ev-calc-breakdown-value { font-size: 1.15rem; }

/* Bar */
.ev-calc-bar {
    height: 10px;
    background: var(--ev-border);
    border-radius: 999px;
    overflow: hidden;
    display: flex;
    margin-bottom: 10px;
}
.ev-calc-bar-segment { height: 100%; transition: width .2s ease; }
.ev-calc-bar-principal { background: var(--ev-navy); }
.ev-calc-bar-interest  { background: var(--ev-gold); }

.ev-calc-bar-legend {
    display: flex;
    gap: 20px;
    font-size: 12px;
    color: var(--ev-text-3);
    margin-bottom: 8px;
}
.ev-calc-bar-dot {
    display: inline-block;
    width: 8px; height: 8px;
    border-radius: 50%;
    margin-right: 6px;
    vertical-align: middle;
}
.ev-calc-bar-dot-principal { background: var(--ev-navy); }
.ev-calc-bar-dot-interest  { background: var(--ev-gold); }

/* Amortization accordion */
.ev-amort-toggle {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 20px 24px;
    background: #fff;
    border: none;
    text-align: left;
    font-weight: 600;
    color: var(--ev-navy);
    font-size: 15px;
    cursor: pointer;
    transition: background .12s ease;
}
.ev-amort-toggle:hover { background: var(--ev-surface-2); }
.ev-amort-toggle > span { display: flex; align-items: center; gap: 10px; }
.ev-amort-toggle-icon { transition: transform .15s ease; color: var(--ev-text-3); }
.ev-amort-toggle.is-open .ev-amort-toggle-icon { transform: rotate(180deg); }

.ev-amort-body {
    border-top: 1px solid var(--ev-border);
}
.ev-amort-scroll { max-height: 480px; overflow-y: auto; }
.ev-amort-table thead th {
    position: sticky;
    top: 0;
    z-index: 1;
    background: var(--ev-surface-2);
}

/* Compare table */
.ev-compare-table td { vertical-align: middle; }

/* Print stylesheet */
@media print {
    .ev-site-header,
    .ev-site-footer,
    .ev-skip-link,
    .ev-btn-print,
    .ev-amort-toggle-icon,
    .ev-cta-band { display: none !important; }

    .ev-calc-results,
    .ev-calc-page { position: static !important; }

    body { background: #fff !important; }

    .ev-card {
        box-shadow: none !important;
        border: 1px solid #ccc !important;
    }
}

/* =====================================================================
   ABOUT / HOW IT WORKS / ELIGIBILITY — appended in Phase 5 Batch 5
   ===================================================================== */

/* Checklist */
.ev-checklist {
    list-style: none;
    margin: 0;
    padding: 0;
    display: flex;
    flex-direction: column;
    gap: 12px;
}
.ev-checklist li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 14.5px;
    color: var(--ev-text-2);
}
.ev-checklist li > i {
    color: var(--ev-success);
    margin-top: 4px;
    flex-shrink: 0;
}
.ev-checklist-lg li { font-size: 15px; gap: 14px; }
.ev-checklist-lg li > i { font-size: 16px; margin-top: 3px; }
.ev-checklist-lg li strong { color: var(--ev-navy); font-weight: 700; }

/* What we don't do cards */
.ev-dont-card {
    display: flex;
    gap: 16px;
    padding: 24px;
    background: #fff;
    border: 1px solid var(--ev-border);
    border-radius: var(--ev-radius-lg);
    align-items: flex-start;
}
.ev-dont-card > i {
    color: var(--ev-danger);
    font-size: 20px;
    flex-shrink: 0;
    margin-top: 2px;
    width: 24px;
    text-align: center;
}
.ev-dont-card h3 {
    font-size: 1rem;
    margin: 0 0 6px;
    color: var(--ev-navy);
}
.ev-dont-card p {
    color: var(--ev-text-3);
    font-size: 14px;
    line-height: 1.6;
    margin: 0;
}
.ev-dont-card p a { color: var(--ev-navy-3); }

/* Timeline (how it works) */
.ev-timeline {
    display: flex;
    flex-direction: column;
    gap: 0;
    max-width: 900px;
    margin: 0 auto;
    position: relative;
}
.ev-timeline-item {
    display: grid;
    grid-template-columns: 60px 1fr;
    gap: 24px;
    position: relative;
    padding-bottom: 40px;
}
.ev-timeline-item:last-child { padding-bottom: 0; }

.ev-timeline-item::before {
    content: '';
    position: absolute;
    left: 29px;
    top: 60px;
    bottom: 0;
    width: 2px;
    background: var(--ev-border);
}
.ev-timeline-item:last-child::before { display: none; }

.ev-timeline-marker {
    width: 60px;
    height: 60px;
    border-radius: 50%;
    background: var(--ev-navy);
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    font-weight: 800;
    flex-shrink: 0;
    position: relative;
    z-index: 1;
    box-shadow: 0 0 0 8px #fff;
}

.ev-timeline-content {
    padding-top: 10px;
}
.ev-timeline-content p {
    color: var(--ev-text-2);
    font-size: 15px;
    line-height: 1.7;
    margin: 0 0 14px;
    max-width: 60ch;
}
.ev-timeline-need {
    display: inline-flex;
    align-items: flex-start;
    gap: 8px;
    padding: 12px 16px;
    background: var(--ev-info-bg);
    color: #103F6A;
    border-radius: 10px;
    font-size: 13.5px;
    line-height: 1.55;
    max-width: 60ch;
}
.ev-timeline-need > i {
    color: var(--ev-info);
    flex-shrink: 0;
    margin-top: 2px;
}

@media (max-width: 640px) {
    .ev-timeline-item {
        grid-template-columns: 44px 1fr;
        gap: 16px;
    }
    .ev-timeline-marker {
        width: 44px;
        height: 44px;
        font-size: 16px;
        box-shadow: 0 0 0 6px #fff;
    }
    .ev-timeline-item::before {
        left: 21px;
        top: 44px;
    }
}

/* Eligibility cards */
.ev-eligibility-card {
    background: #fff;
    border: 1px solid var(--ev-border);
    border-radius: var(--ev-radius-lg);
    overflow: hidden;
}
.ev-eligibility-head {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    gap: 24px;
    padding: 24px 28px;
    border-bottom: 1px solid var(--ev-border);
    background: var(--ev-surface-2);
}
.ev-eligibility-body {
    padding: 24px 28px;
}
.ev-eligibility-foot {
    padding: 16px 28px;
    border-top: 1px solid var(--ev-border);
    background: var(--ev-surface-2);
}
.ev-eligibility-foot .ev-product-cta {
    font-size: 13.5px;
}

@media (max-width: 640px) {
    .ev-eligibility-head {
        flex-direction: column;
        gap: 12px;
    }
    .ev-eligibility-head > div:last-child {
        text-align: left !important;
    }
}

/* =====================================================================
   FAQ / CONTACT / LEGAL — appended in Phase 5 Batch 6
   ===================================================================== */

/* FAQ groups */
.ev-faq-group-title {
    color: var(--ev-navy);
    font-size: 1.15rem;
    font-weight: 700;
    margin: 0 0 16px;
    padding-bottom: 12px;
    border-bottom: 1px solid var(--ev-border);
}

.ev-faq-list {
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.ev-faq-item {
    background: #fff;
    border: 1px solid var(--ev-border);
    border-radius: var(--ev-radius);
    overflow: hidden;
    transition: border-color .15s ease, box-shadow .15s ease;
}
.ev-faq-item:hover {
    border-color: var(--ev-border-2);
}
.ev-faq-item[open] {
    border-color: var(--ev-navy-3);
    box-shadow: 0 4px 16px rgba(11, 37, 69, .06);
}

.ev-faq-item summary {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 16px;
    padding: 18px 22px;
    cursor: pointer;
    font-weight: 600;
    color: var(--ev-navy);
    font-size: 15px;
    list-style: none;
}
.ev-faq-item summary::-webkit-details-marker { display: none; }

.ev-faq-item summary i {
    color: var(--ev-text-3);
    font-size: 13px;
    transition: transform .18s ease;
    flex-shrink: 0;
}
.ev-faq-item[open] summary i {
    transform: rotate(180deg);
    color: var(--ev-navy);
}

.ev-faq-answer {
    padding: 0 22px 22px;
    color: var(--ev-text-2);
    font-size: 14.5px;
    line-height: 1.7;
}
.ev-faq-answer p { margin: 0; }

/* Contact grid */
.ev-contact-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 28px;
    align-items: start;
}
@media (min-width: 992px) {
    .ev-contact-grid { grid-template-columns: 1.35fr .85fr; gap: 32px; }
}

.ev-contact-info {
    list-style: none;
    margin: 20px 0 0;
    padding: 0;
    display: flex;
    flex-direction: column;
    gap: 18px;
}
.ev-contact-info li {
    display: flex;
    gap: 14px;
    align-items: flex-start;
    font-size: 14.5px;
}
.ev-contact-info i {
    color: var(--ev-gold);
    width: 20px;
    margin-top: 3px;
    flex-shrink: 0;
    text-align: center;
}
.ev-contact-info strong {
    display: block;
    color: var(--ev-navy);
    font-weight: 700;
    margin-bottom: 2px;
    font-size: 13.5px;
    text-transform: uppercase;
    letter-spacing: .04em;
}
.ev-contact-info a,
.ev-contact-info span {
    color: var(--ev-text-2);
    font-size: 14.5px;
}

/* Legal layout (privacy, terms, disclosures) */
.ev-legal-layout {
    display: grid;
    grid-template-columns: 1fr;
    gap: 40px;
    align-items: start;
}
@media (min-width: 992px) {
    .ev-legal-layout { grid-template-columns: 260px 1fr; gap: 56px; }
}

.ev-legal-toc {
    display: none;
}
@media (min-width: 992px) {
    .ev-legal-toc {
        display: block;
        position: sticky;
        top: 92px;
        align-self: start;
    }
}

.ev-legal-toc-inner {
    background: var(--ev-surface-2);
    border: 1px solid var(--ev-border);
    border-radius: var(--ev-radius);
    padding: 20px;
}
.ev-legal-toc-inner h3 {
    font-size: 12px;
    text-transform: uppercase;
    letter-spacing: .08em;
    color: var(--ev-text-3);
    font-weight: 700;
    margin: 0 0 14px;
}
.ev-legal-toc-inner ul {
    list-style: none;
    margin: 0;
    padding: 0;
    display: flex;
    flex-direction: column;
    gap: 8px;
    font-size: 13.5px;
}
.ev-legal-toc-inner a {
    color: var(--ev-text-2);
    text-decoration: none;
    transition: color .12s ease;
    display: block;
    line-height: 1.4;
}
.ev-legal-toc-inner a:hover {
    color: var(--ev-navy);
    text-decoration: none;
}

.ev-legal-content {
    max-width: 78ch;
    color: var(--ev-text-2);
    font-size: 15px;
    line-height: 1.75;
}

.ev-legal-section {
    margin-bottom: 40px;
    scroll-margin-top: 100px;
}
.ev-legal-section:last-child { margin-bottom: 0; }

.ev-legal-section h2 {
    font-size: 1.15rem;
    font-weight: 700;
    color: var(--ev-navy);
    margin: 0 0 14px;
    letter-spacing: -0.01em;
}
.ev-legal-section p {
    margin: 0 0 14px;
}
.ev-legal-section p:last-child { margin-bottom: 0; }

.ev-legal-section ul {
    padding-left: 22px;
    margin: 0 0 14px;
}
.ev-legal-section li {
    margin-bottom: 8px;
}