/* ============================================================
   EduLoanHub — Shared Design System v2.0
   Save as: css/shared.css  (link from every HTML page)
   ============================================================ */

:root {
  --primary: #0a3d6b;
  --primary-light: #1565a7;
  --accent: #ff9900;
  --accent-dark: #e68a00;
  --white: #fff;
  --off-white: #f8fafd;
  --gray-100: #f1f4f8;
  --gray-200: #e2e8f0;
  --gray-500: #64748b;
  --gray-700: #334155;
  --gray-900: #0f172a;
  --success: #10b981;
  --text-body: #2d3748;
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 24px;
  --shadow-sm: 0 2px 8px rgba(10,61,107,.08);
  --shadow-md: 0 8px 32px rgba(10,61,107,.13);
  --shadow-lg: 0 20px 60px rgba(10,61,107,.18);
  --transition: all .3s cubic-bezier(.4,0,.2,1);
  --font-sans: 'Plus Jakarta Sans', system-ui, -apple-system, sans-serif;
  --font-display: 'Fraunces', Georgia, serif;
}

/* ---- RESET ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; -webkit-text-size-adjust: 100%; }
body { font-family: var(--font-sans); color: var(--text-body); background: var(--white); line-height: 1.6; overflow-x: hidden; }
img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; padding: 0; margin: 0; }

/* ---- TICKER ---- */
.ticker-banner { background: linear-gradient(90deg, var(--primary), var(--primary-light)); padding: 10px 0; overflow: hidden; }
.ticker-track { display: flex; animation: ticker 40s linear infinite; white-space: nowrap; will-change: transform; }
.ticker-track:hover { animation-play-state: paused; }
.ticker-item { color: var(--white); font-size: .85rem; font-weight: 600; padding: 0 48px; display: inline-flex; align-items: center; gap: 10px; }
.ticker-item::before { content: '✓'; color: var(--accent); font-weight: 800; }
@keyframes ticker { 0% { transform: translateX(0); } 100% { transform: translateX(-50%); } }

/* ---- STICKY CTA ---- */
.sticky-cta { background: var(--white); border-bottom: 1px solid var(--gray-200); padding: 10px 24px; display: flex; align-items: center; justify-content: center; gap: 20px; flex-wrap: wrap; box-shadow: var(--shadow-sm); position: sticky; top: 0; z-index: 999; }
.sticky-cta-text { font-size: .9rem; color: var(--gray-700); font-weight: 500; }
.sticky-cta-text a { color: var(--primary-light); font-weight: 700; }
.btn-accent { background: var(--accent); color: var(--white) !important; font-weight: 700; padding: 9px 22px; border-radius: 50px; font-size: .88rem; transition: var(--transition); border: none; cursor: pointer; display: inline-block; white-space: nowrap; }
.btn-accent:hover { background: var(--accent-dark); transform: translateY(-1px); box-shadow: 0 6px 20px rgba(255,153,0,.35); }

/* ---- NAVBAR ---- */
.site-nav { background: rgba(255,255,255,.97); backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px); padding: 0 32px; height: 70px; display: flex; align-items: center; justify-content: space-between; box-shadow: 0 1px 0 var(--gray-200); position: relative; z-index: 100; }
.nav-logo img { height: 46px; width: auto; }
.nav-links { display: flex; align-items: center; gap: 6px; }
.nav-links a { font-size: .92rem; font-weight: 600; color: var(--gray-700); padding: 8px 14px; border-radius: var(--radius-sm); transition: var(--transition); }
.nav-links a:hover, .nav-links a.active { color: var(--primary); background: var(--gray-100); }
.nav-cta { background: var(--primary) !important; color: var(--white) !important; border-radius: 50px !important; padding: 9px 22px !important; }
.nav-cta:hover { background: var(--primary-light) !important; transform: translateY(-1px); box-shadow: 0 6px 20px rgba(10,61,107,.3); }
.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 8px; border: none; background: none; z-index: 200; }
.hamburger span { display: block; width: 24px; height: 2px; background: var(--gray-700); border-radius: 2px; transition: var(--transition); }
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.mobile-menu-overlay { display: none; position: fixed; inset: 0; background: var(--white); flex-direction: column; justify-content: center; align-items: center; gap: 16px; z-index: 150; }
.mobile-menu-overlay.open { display: flex; }
.mobile-menu-overlay a { font-size: 1.4rem; font-weight: 700; color: var(--primary); padding: 14px 32px; }

/* ---- PAGE HERO (inner pages) ---- */
.page-hero { background: linear-gradient(135deg, #f0f7ff, #e8f3ff); padding: 52px 0 40px; text-align: center; border-bottom: 1px solid var(--gray-200); }
.breadcrumb { display: flex; justify-content: center; gap: 8px; font-size: .82rem; color: var(--gray-500); margin-bottom: 14px; flex-wrap: wrap; list-style: none; padding: 0; }
.breadcrumb a { color: var(--primary-light); }
.page-hero h1 { font-family: var(--font-display); font-size: clamp(1.8rem, 3.5vw, 2.8rem); font-weight: 700; color: var(--primary); line-height: 1.2; margin-bottom: 12px; }
.page-hero p { font-size: 1.05rem; color: var(--gray-500); max-width: 600px; margin: 0 auto; }

/* ---- LAYOUT ---- */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.container-sm { max-width: 820px; margin: 0 auto; padding: 0 24px; }
.section-pad { padding: 72px 0; }
.text-center { text-align: center; }
.text-center .section-desc { margin: 0 auto; }

/* ---- SECTION TAGS ---- */
.section-tag { display: inline-block; font-size: .78rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; color: var(--accent-dark); background: rgba(255,153,0,.1); padding: 5px 14px; border-radius: 50px; margin-bottom: 14px; }
.section-title { font-family: var(--font-display); font-size: clamp(1.6rem, 3vw, 2.4rem); font-weight: 700; color: var(--primary); margin-bottom: 16px; line-height: 1.25; }
.section-desc { font-size: 1rem; color: var(--gray-500); max-width: 640px; line-height: 1.75; }

/* ---- PROSE (article/blog pages) ---- */
.prose { font-size: 1rem; line-height: 1.85; color: var(--gray-700); }
.prose h2 { font-family: var(--font-display); font-size: 1.5rem; color: var(--primary); margin: 2rem 0 .75rem; font-weight: 700; }
.prose h3 { font-size: 1.1rem; color: var(--primary); margin: 1.5rem 0 .5rem; font-weight: 700; }
.prose p { margin-bottom: 1.1rem; }
.prose ul, .prose ol { padding-left: 1.5rem; margin-bottom: 1.1rem; }
.prose ul { list-style: disc; }
.prose ol { list-style: decimal; }
.prose li { margin-bottom: .5rem; }
.prose strong { color: var(--primary); font-weight: 700; }
.prose a { color: var(--primary-light); text-decoration: underline; }

/* ---- BUTTONS ---- */
.btn-primary { background: var(--primary); color: var(--white); padding: 13px 28px; border-radius: 50px; font-weight: 700; font-size: .95rem; transition: var(--transition); display: inline-flex; align-items: center; gap: 8px; border: none; cursor: pointer; font-family: var(--font-sans); }
.btn-primary:hover { background: var(--primary-light); transform: translateY(-2px); box-shadow: 0 10px 30px rgba(10,61,107,.3); color: var(--white); }
.btn-outline { background: transparent; color: var(--primary); padding: 11px 26px; border-radius: 50px; font-weight: 700; font-size: .9rem; border: 2px solid var(--primary); transition: var(--transition); display: inline-flex; align-items: center; gap: 8px; }
.btn-outline:hover { background: var(--primary); color: var(--white); transform: translateY(-2px); }

/* ---- FORM ---- */
.form-card { background: var(--white); border-radius: var(--radius-lg); padding: 40px 36px; box-shadow: var(--shadow-lg); }
.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-size: .85rem; font-weight: 600; color: var(--gray-700); margin-bottom: 7px; }
.req { color: #e53e3e; }
.form-control { width: 100%; padding: 12px 16px; border: 1.5px solid var(--gray-200); border-radius: var(--radius-sm); font-size: .92rem; font-family: var(--font-sans); color: var(--text-body); background: var(--white); transition: var(--transition); outline: none; appearance: none; }
.form-control:focus { border-color: var(--primary); box-shadow: 0 0 0 3px rgba(10,61,107,.1); }
.form-control::placeholder { color: #a0aec0; }
.btn-submit { width: 100%; background: linear-gradient(90deg, var(--accent), #ffb732); color: var(--white); border: none; padding: 15px; border-radius: var(--radius-sm); font-size: 1rem; font-weight: 700; font-family: var(--font-sans); cursor: pointer; transition: var(--transition); margin-top: 8px; }
.btn-submit:hover { background: linear-gradient(90deg, var(--accent-dark), #e6a000); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(255,153,0,.35); }

/* ---- TOOL WIDGET ---- */
.tool-card-wrap { background: var(--white); border-radius: var(--radius-lg); padding: 36px; box-shadow: var(--shadow-md); border: 1px solid var(--gray-200); max-width: 720px; margin: 0 auto; }
.tool-card-wrap label { display: block; font-size: .85rem; font-weight: 600; color: var(--gray-700); margin: 14px 0 6px; }
.tool-card-wrap input, .tool-card-wrap select { width: 100%; padding: 12px 14px; border: 1.5px solid var(--gray-200); border-radius: var(--radius-sm); font-size: .92rem; font-family: var(--font-sans); outline: none; transition: var(--transition); }
.tool-card-wrap input:focus, .tool-card-wrap select:focus { border-color: var(--primary); box-shadow: 0 0 0 3px rgba(10,61,107,.1); }
.tool-btn { background: var(--primary); color: var(--white); border: none; padding: 13px 32px; border-radius: 50px; font-size: 1rem; font-weight: 700; font-family: var(--font-sans); cursor: pointer; transition: var(--transition); margin-top: 20px; }
.tool-btn:hover { background: var(--primary-light); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(10,61,107,.3); }
.tool-result { background: var(--off-white); border-radius: var(--radius-md); padding: 24px; margin-top: 24px; border: 1px solid var(--gray-200); display: none; }
.tool-result.show { display: block; }
.tool-result table { width: 100%; border-collapse: collapse; margin-top: 12px; font-size: .9rem; }
.tool-result th { background: var(--primary); color: var(--white); padding: 11px 14px; text-align: left; font-weight: 600; }
.tool-result td { padding: 11px 14px; border-bottom: 1px solid var(--gray-200); }
.tool-result tr:hover td { background: var(--gray-100); }
.tool-result tr:nth-child(even) td { background: rgba(10,61,107,.03); }
.tool-highlight { background: linear-gradient(135deg, var(--primary), var(--primary-light)); color: var(--white); border-radius: var(--radius-md); padding: 20px 24px; margin-bottom: 16px; display: flex; gap: 24px; flex-wrap: wrap; justify-content: space-between; }
.tool-highlight-item { text-align: center; }
.tool-highlight-num { font-family: var(--font-display); font-size: 1.8rem; font-weight: 700; display: block; }
.tool-highlight-label { font-size: .8rem; opacity: .85; }

/* ---- FAQ ---- */
.faq-list { max-width: 760px; margin: 40px auto 0; }
.faq-item { border: 1px solid var(--gray-200); border-radius: var(--radius-md); margin-bottom: 12px; overflow: hidden; transition: var(--transition); }
.faq-item:hover { border-color: var(--primary); }
.faq-question { padding: 18px 22px; display: flex; justify-content: space-between; align-items: center; cursor: pointer; font-weight: 600; font-size: .93rem; color: var(--gray-700); gap: 16px; background: none; border: none; width: 100%; text-align: left; font-family: var(--font-sans); transition: var(--transition); }
.faq-question:hover, .faq-question.active { color: var(--primary); }
.faq-icon { width: 26px; height: 26px; border-radius: 50%; background: var(--gray-100); display: flex; align-items: center; justify-content: center; flex-shrink: 0; transition: var(--transition); color: var(--primary); font-weight: 700; }
.faq-question.active .faq-icon { background: var(--primary); color: var(--white); transform: rotate(45deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height .35s ease; }
.faq-answer.open { max-height: 400px; }
.faq-answer p { padding: 0 22px 18px; font-size: .9rem; color: var(--gray-500); line-height: 1.75; }

/* ---- LINK CARDS (related articles) ---- */
.link-cards { display: flex; flex-direction: column; gap: 10px; margin-top: 24px; }
.link-card { display: flex; align-items: center; gap: 14px; padding: 14px 18px; border: 1px solid var(--gray-200); border-radius: var(--radius-md); transition: var(--transition); font-weight: 600; font-size: .9rem; color: var(--primary); }
.link-card:hover { border-color: var(--primary); background: var(--gray-100); transform: translateX(4px); }
.link-card i { color: var(--accent); font-size: 1rem; flex-shrink: 0; }

/* ---- FOOTER ---- */
.site-footer { background: var(--gray-900); color: rgba(255,255,255,.75); padding: 60px 0 0; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; padding-bottom: 48px; }
.footer-brand img { height: 40px; margin-bottom: 18px; filter: brightness(0) invert(1) opacity(.85); }
.footer-brand p { font-size: .85rem; line-height: 1.75; color: rgba(255,255,255,.55); max-width: 280px; }
.footer-col h4 { font-size: .78rem; font-weight: 800; text-transform: uppercase; letter-spacing: .08em; color: rgba(255,255,255,.45); margin-bottom: 18px; }
.footer-col ul li { margin-bottom: 10px; }
.footer-col ul li a { font-size: .88rem; color: rgba(255,255,255,.65); transition: var(--transition); }
.footer-col ul li a:hover { color: var(--accent); }
.footer-col ul li.addr { font-size: .82rem; color: rgba(255,255,255,.4); line-height: 1.65; }
.footer-contact { display: flex; flex-direction: column; gap: 10px; margin-top: 16px; }
.footer-contact a { font-size: .88rem; color: rgba(255,255,255,.65); display: flex; align-items: center; gap: 8px; transition: var(--transition); }
.footer-contact a:hover { color: var(--accent); }
.footer-contact i { color: var(--accent); width: 16px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.08); padding: 20px 0; display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 12px; }
.footer-bottom p { font-size: .8rem; color: rgba(255,255,255,.4); }
.social-links { display: flex; gap: 12px; }
.social-link { width: 34px; height: 34px; border-radius: 50%; background: rgba(255,255,255,.07); display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,.6); font-size: .85rem; transition: var(--transition); }
.social-link:hover { background: var(--accent); color: var(--white); transform: translateY(-2px); }

/* ---- FLOATING BUTTONS ---- */
.float-btns { position: fixed; right: 20px; bottom: 30px; display: flex; flex-direction: column; gap: 12px; z-index: 1000; }
.float-btn { width: 52px; height: 52px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 1.4rem; box-shadow: 0 4px 20px rgba(0,0,0,.25); transition: var(--transition); }
.float-btn:hover { transform: scale(1.1) translateY(-2px); }
.float-wa { background: #25d366; color: #fff; }
.float-call { background: var(--primary); color: #fff; }

/* ---- ANIMATIONS ---- */
@media (prefers-reduced-motion: no-preference) {
  .fade-up { opacity: 0; transform: translateY(24px); transition: opacity .6s ease, transform .6s ease; }
  .fade-up.visible { opacity: 1; transform: translateY(0); }
  .fade-up:nth-child(2) { transition-delay: .1s; }
  .fade-up:nth-child(3) { transition-delay: .2s; }
  .fade-up:nth-child(4) { transition-delay: .3s; }
}
@media (prefers-reduced-motion: reduce) {
  .fade-up { opacity: 1; transform: none; }
  .ticker-track { animation: none; }
}

/* ---- RESPONSIVE ---- */
@media (max-width: 900px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
  .hamburger { display: flex; }
  .nav-links { display: none; }
}
@media (max-width: 600px) {
  .section-pad { padding: 52px 0; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .sticky-cta { gap: 10px; }
  .form-card, .tool-card-wrap { padding: 24px 16px; }
  .site-nav { padding: 0 16px; }
}