/* ============================================================
   Student Loan Sweepstakes — Policies & Legal Hub
   Extends landing_page.css design tokens
   ============================================================ */

/* ── NAVBAR OVERRIDE: always solid on this page ─────────────── */
.navbar-solid {
  background: rgba(255, 255, 255, 0.96) !important;
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--color-smoke) !important;
  box-shadow: var(--shadow-sm) !important;
}
.navbar-solid .navbar-brand .logo-white { display: none !important; }
.navbar-solid .navbar-brand .logo-dark  { display: block !important; }
.navbar-solid .navbar-brand .brand-name {
  background: var(--brand-gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.navbar-solid .nav-center a { color: var(--color-graphite); }
.navbar-solid .nav-center a:hover { color: var(--brand-green-dark); }
.navbar-solid .nav-mobile-toggle { color: var(--color-phantom); }
.navbar-solid .btn-ghost {
  color: var(--color-graphite);
  border-color: var(--color-smoke);
  padding: 0.5rem 1rem;
  font-size: 0.875rem;
  border-radius: var(--radius-sm);
}
.navbar-solid .btn-ghost:hover {
  border-color: var(--brand-blue);
  color: var(--brand-blue);
  background: transparent;
}
.navbar-solid .btn-primary-dark {
  padding: 0.5rem 1.25rem;
  font-size: 0.875rem;
  border-radius: var(--radius-sm);
}

/* ── HERO ────────────────────────────────────────────────────── */
.policies-hero {
  position: relative;
  background: var(--brand-gradient);
  color: var(--color-white);
  padding: calc(72px + 3.5rem) 0 3.5rem;
  overflow: hidden;
  text-align: center;
}
.policies-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle at 1px 1px, rgba(255,255,255,0.07) 1px, transparent 0);
  background-size: 32px 32px;
  pointer-events: none;
}
.hero-title {
  font-size: 2.75rem;
  font-weight: var(--fw-extrabold);
  color: var(--color-white);
  margin-bottom: var(--space-md);
  letter-spacing: -0.02em;
  line-height: 1.1;
  position: relative;
  z-index: 1;
}
.hero-subtitle {
  font-size: 1.0625rem;
  color: rgba(255,255,255,0.8);
  margin-bottom: var(--space-xl);
  position: relative;
  z-index: 1;
}
.hero-meta {
  display: flex;
  justify-content: center;
  gap: var(--space-md);
  flex-wrap: wrap;
  position: relative;
  z-index: 1;
}
.hero-chip {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,0.15);
  backdrop-filter: blur(8px);
  border: 1px solid rgba(255,255,255,0.25);
  border-radius: var(--radius-full);
  padding: 0.375rem 1rem;
  font-size: 0.8125rem;
  font-weight: var(--fw-semibold);
  color: rgba(255,255,255,0.95);
}

/* ── TAB BAR ─────────────────────────────────────────────────── */
.policies-tabs-bar {
  position: sticky;
  top: 72px;
  z-index: 80;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--color-smoke);
  box-shadow: 0 2px 8px rgba(30,30,36,0.04);
}
.policies-tabs-bar .container {
  overflow-x: auto;
  scrollbar-width: none;
  -ms-overflow-style: none;
}
.policies-tabs-bar .container::-webkit-scrollbar { display: none; }

.tab-list {
  display: flex;
  gap: 0;
  white-space: nowrap;
  min-width: max-content;
}

.tab-btn {
  display: inline-flex;
  align-items: center;
  gap: var(--space-sm);
  padding: 1rem 1.375rem;
  font-size: 0.875rem;
  font-weight: var(--fw-semibold);
  color: var(--color-graphite);
  background: none;
  border: none;
  border-bottom: 3px solid transparent;
  cursor: pointer;
  transition: color 0.2s, border-color 0.2s;
  white-space: nowrap;
  font-family: var(--font-family);
}
.tab-btn svg {
  width: 15px;
  height: 15px;
  flex-shrink: 0;
  opacity: 0.7;
  transition: opacity 0.2s;
}
.tab-btn:hover {
  color: var(--color-phantom);
}
.tab-btn:hover svg { opacity: 1; }

.tab-btn--active {
  color: var(--color-phantom);
  border-bottom: 3px solid transparent;
  background-image: var(--brand-gradient);
  background-size: 100% 3px;
  background-position: bottom;
  background-repeat: no-repeat;
  background-clip: padding-box;
  position: relative;
}
.tab-btn--active::after {
  content: '';
  position: absolute;
  bottom: -1px;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--brand-gradient);
}
.tab-btn--active svg { opacity: 1; }

/* ── MAIN LAYOUT ─────────────────────────────────────────────── */
.policies-main {
  background: var(--color-bg);
  min-height: calc(100vh - 72px - 64px);
  padding: var(--space-3xl) 0 5rem;
}

.policies-layout {
  display: grid;
  grid-template-columns: 240px 1fr;
  gap: var(--space-2xl);
  align-items: start;
}

/* ── TOC SIDEBAR ─────────────────────────────────────────────── */
.policies-toc {
  position: sticky;
  top: calc(72px + 64px + var(--space-3xl));
}

.toc-card {
  background: var(--color-card);
  border: 1px solid var(--color-cloud);
  border-radius: var(--radius-xl);
  padding: var(--space-xl);
  box-shadow: var(--shadow-card);
}

.toc-card h3 {
  font-size: 0.6875rem;
  font-weight: var(--fw-bold);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-space);
  margin-bottom: var(--space-md);
}

.toc-nav {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.toc-link {
  display: block;
  font-size: 0.8125rem;
  font-weight: var(--fw-medium);
  color: var(--color-graphite);
  padding: 0.375rem 0.625rem;
  border-radius: var(--radius-sm);
  border-left: 2px solid transparent;
  transition: color 0.2s, border-color 0.2s, background 0.2s;
  text-decoration: none;
  line-height: 1.4;
}
.toc-link:hover {
  color: var(--color-phantom);
  background: var(--color-cloud);
}
.toc-link--active {
  color: var(--brand-blue);
  border-left-color: var(--brand-blue);
  background: rgba(36,178,251,0.06);
  font-weight: var(--fw-semibold);
}

/* ── TAB PANELS ──────────────────────────────────────────────── */
.policies-content { min-width: 0; }

.tab-panel {
  display: none;
}
.tab-panel--active {
  display: block;
}

/* ── POLICY CONTENT CARD ─────────────────────────────────────── */
.policy-card {
  background: var(--color-card);
  border: 1px solid var(--color-cloud);
  border-radius: var(--radius-xl);
  padding: var(--space-3xl);
  box-shadow: var(--shadow-card);
}

/* ── INTRO CALLOUT ───────────────────────────────────────────── */
.policy-intro {
  background: var(--color-cloud);
  border-left: 4px solid var(--brand-green);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  padding: var(--space-xl);
  margin-bottom: var(--space-3xl);
  font-size: 0.9375rem;
  color: var(--color-phantom);
  line-height: 1.7;
}

/* ── POLICY SECTION ──────────────────────────────────────────── */
.policy-section {
  margin-bottom: var(--space-3xl);
}
.policy-section:last-child { margin-bottom: 0; }

.section-heading {
  display: flex;
  align-items: center;
  gap: var(--space-base);
  margin-bottom: var(--space-xl);
}

.section-num {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  background: var(--brand-gradient);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.875rem;
  font-weight: var(--fw-extrabold);
  color: var(--color-phantom);
  flex-shrink: 0;
}

.section-h2 {
  font-size: 1.5rem;
  font-weight: var(--fw-extrabold);
  color: var(--color-phantom);
  letter-spacing: -0.01em;
  line-height: 1.2;
}

.section-body {
  padding-left: 50px; /* aligns with text after the num circle */
}

/* ── POLICY TEXT ─────────────────────────────────────────────── */
.policy-text {
  font-size: 0.9375rem;
  color: var(--color-graphite);
  line-height: 1.75;
  margin-bottom: var(--space-base);
}
.policy-text:last-child { margin-bottom: 0; }

/* ── CALLOUT BOXES ───────────────────────────────────────────── */
.callout {
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  padding: var(--space-base) var(--space-xl);
  margin: var(--space-xl) 0;
  font-size: 0.9375rem;
  line-height: 1.7;
}

.callout-info {
  background: rgba(23,254,155,0.06);
  border-left: 4px solid var(--brand-green);
}
.callout-info strong { color: var(--brand-green-dark); }

.callout-blue {
  background: rgba(36,178,251,0.06);
  border-left: 4px solid var(--brand-blue);
}
.callout-blue strong { color: var(--brand-blue); }

.callout-warning {
  background: rgba(245,158,11,0.06);
  border-left: 4px solid #F59E0B;
}
.callout-warning strong { color: #92400E; }

.callout-dark {
  background: var(--color-phantom);
  color: var(--color-white);
  border-left: 4px solid var(--brand-green);
  border-radius: var(--radius-md);
  padding: var(--space-xl);
}
.callout-dark p { color: rgba(255,255,255,0.8); font-size: 0.875rem; line-height: 1.7; }

/* ── POLICY BULLET LIST ──────────────────────────────────────── */
.policy-list {
  list-style: none;
  padding: 0;
  margin: var(--space-base) 0;
  display: flex;
  flex-direction: column;
  gap: var(--space-sm);
}
.policy-list li {
  display: flex;
  align-items: flex-start;
  gap: var(--space-md);
  font-size: 0.9375rem;
  color: var(--color-graphite);
  line-height: 1.6;
}
.policy-list li::before {
  content: '';
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--brand-green);
  flex-shrink: 0;
  margin-top: 6px;
}
.policy-list li strong { color: var(--color-phantom); }

.policy-list--check li::before {
  content: '✓';
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--brand-gradient);
  color: var(--color-phantom);
  font-size: 0.625rem;
  font-weight: var(--fw-extrabold);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 2px;
}

/* ── INFO GRID (2-col data cards) ────────────────────────────── */
.info-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-base);
  margin: var(--space-xl) 0;
}

.info-grid-card {
  background: var(--color-cloud);
  border: 1px solid var(--color-smoke);
  border-radius: var(--radius-lg);
  padding: var(--space-base) var(--space-xl);
}
.info-grid-card h4 {
  font-size: 0.8125rem;
  font-weight: var(--fw-bold);
  color: var(--color-phantom);
  margin-bottom: var(--space-sm);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.info-grid-card ul {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: var(--space-xs);
}
.info-grid-card li {
  display: flex;
  align-items: flex-start;
  gap: var(--space-sm);
  font-size: 0.8125rem;
  color: var(--color-graphite);
  line-height: 1.5;
}
.info-grid-card li::before {
  content: '';
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--brand-green);
  flex-shrink: 0;
  margin-top: 5px;
}
.info-grid-card li.dot-blue::before { background: var(--brand-blue); }

/* ── POLICY TABLE ────────────────────────────────────────────── */
.policy-table-wrap {
  overflow-x: auto;
  margin: var(--space-xl) 0;
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-smoke);
}
.policy-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.875rem;
}
.policy-table th {
  background: var(--color-cloud);
  color: var(--color-phantom);
  font-weight: var(--fw-bold);
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  padding: 0.75rem 1rem;
  text-align: left;
}
.policy-table td {
  padding: 0.75rem 1rem;
  color: var(--color-graphite);
  border-top: 1px solid var(--color-cloud);
  vertical-align: top;
  line-height: 1.5;
}
.policy-table td strong { color: var(--color-phantom); }

/* ── SECTION DIVIDER ─────────────────────────────────────────── */
.section-divider {
  border: none;
  border-top: 1px solid var(--color-cloud);
  margin: var(--space-3xl) 0;
}

/* ── CONTACT BLOCK ───────────────────────────────────────────── */
.contact-block {
  background: var(--color-phantom);
  border-radius: var(--radius-xl);
  padding: var(--space-2xl);
  margin-top: var(--space-3xl);
}
.contact-block h3 {
  font-size: 1.25rem;
  font-weight: var(--fw-extrabold);
  color: var(--color-white);
  margin-bottom: var(--space-md);
}
.contact-block p {
  font-size: 0.875rem;
  color: var(--color-space);
  line-height: 1.6;
  margin-bottom: var(--space-base);
}
.contact-block a {
  color: var(--brand-green);
  text-decoration: none;
}
.contact-block a:hover { text-decoration: underline; }
.contact-row {
  display: flex;
  align-items: center;
  gap: var(--space-sm);
  font-size: 0.875rem;
  color: var(--color-space);
  margin-bottom: var(--space-sm);
}
.contact-row svg { width: 15px; height: 15px; flex-shrink: 0; color: var(--brand-green); }

/* ── RESPONSIVE ──────────────────────────────────────────────── */
@media (max-width: 1024px) {
  .policies-layout {
    grid-template-columns: 200px 1fr;
    gap: var(--space-xl);
  }
}

@media (max-width: 768px) {
  /* Navbar mobile */
  .navbar-solid .nav-center,
  .navbar-solid .nav-right .btn-ghost,
  .navbar-solid .nav-right .btn-primary-dark {
    display: none;
  }
  .navbar-solid .nav-mobile-toggle { display: block; }

  /* Hero */
  .hero-title { font-size: 2rem; }
  .policies-hero { padding: calc(64px + 2.5rem) 0 2.5rem; }

  /* Tab bar */
  .policies-tabs-bar { top: 64px; }
  .tab-btn { padding: 0.875rem 1rem; font-size: 0.8125rem; }
  .tab-btn svg { display: none; }

  /* Layout: hide TOC sidebar */
  .policies-layout {
    grid-template-columns: 1fr;
  }
  .policies-toc { display: none; }

  /* Policy card */
  .policy-card { padding: var(--space-xl); }
  .section-body { padding-left: 0; }
  .section-h2 { font-size: 1.25rem; }

  /* Info grid stacks */
  .info-grid { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
  .hero-title { font-size: 1.625rem; }
  .hero-meta { gap: var(--space-sm); }
  .hero-chip { font-size: 0.75rem; padding: 0.3rem 0.75rem; }
  .tab-btn { padding: 0.75rem 0.875rem; font-size: 0.75rem; }
  .policy-card { padding: var(--space-base) var(--space-lg); }
}

/* ── TAB FADE TRANSITION ─────────────────────────────────────── */
@keyframes fadeTabIn {
  from { opacity: 0; transform: translateY(5px); }
  to   { opacity: 1; transform: translateY(0); }
}
.tab-panel--active {
  animation: fadeTabIn 0.18s ease;
}

/* ── HIGHLIGHTS STRIP ────────────────────────────────────────── */
.highlights-strip {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
  gap: var(--space-base);
  margin-bottom: var(--space-3xl);
}

.highlight-card {
  background: var(--color-cloud);
  border: 1px solid var(--color-smoke);
  border-radius: var(--radius-lg);
  padding: var(--space-base) var(--space-xl);
  text-align: center;
  transition: box-shadow 0.15s;
}
.highlight-card:hover { box-shadow: var(--shadow-card); }

.highlight-card .hc-icon {
  display: flex;
  justify-content: center;
  margin-bottom: 6px;
  color: var(--color-graphite);
  opacity: 0.6;
}
.highlight-card .hc-value {
  font-size: 1.375rem;
  font-weight: var(--fw-extrabold);
  color: var(--color-phantom);
  line-height: 1.1;
}
.highlight-card .hc-label {
  font-size: 0.6875rem;
  font-weight: var(--fw-semibold);
  color: var(--color-graphite);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-top: 4px;
}

.highlight-card--accent {
  background: var(--brand-gradient);
  border-color: transparent;
}
.highlight-card--accent .hc-icon { color: var(--color-phantom); opacity: 0.75; }
.highlight-card--accent .hc-value { color: var(--color-phantom); }
.highlight-card--accent .hc-label { color: rgba(0,0,0,0.6); }

@media (max-width: 600px) {
  .highlights-strip { grid-template-columns: repeat(2, 1fr); }
}

/* ── MOBILE ON-THIS-PAGE TOC ─────────────────────────────────── */
.on-this-page {
  display: none;
  margin-bottom: var(--space-xl);
  border: 1px solid var(--color-smoke);
  border-radius: var(--radius-lg);
  overflow: hidden;
  background: var(--color-card);
}

.on-this-page summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.75rem 1rem;
  font-size: 0.8125rem;
  font-weight: var(--fw-bold);
  color: var(--color-phantom);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  cursor: pointer;
  list-style: none;
  user-select: none;
  gap: var(--space-sm);
}
.on-this-page summary::-webkit-details-marker { display: none; }
.on-this-page summary svg {
  flex-shrink: 0;
  transition: transform 0.2s;
  color: var(--color-graphite);
}
.on-this-page[open] summary svg { transform: rotate(180deg); }

.on-this-page-links {
  display: flex;
  flex-direction: column;
  gap: 2px;
  padding: var(--space-sm) var(--space-base) var(--space-base);
  border-top: 1px solid var(--color-cloud);
}
.on-this-page-links a {
  display: block;
  font-size: 0.8125rem;
  color: var(--color-graphite);
  padding: 0.375rem 0.5rem;
  border-radius: var(--radius-sm);
  text-decoration: none;
  transition: color 0.15s, background 0.15s;
}
.on-this-page-links a:hover {
  color: var(--color-phantom);
  background: var(--color-cloud);
}

@media (max-width: 768px) {
  .on-this-page { display: block; }
}

/* ── PROCESS STEPS ───────────────────────────────────────────── */
.process-steps {
  display: flex;
  flex-direction: column;
  gap: 0;
  margin: var(--space-xl) 0;
}

.process-step {
  display: flex;
  gap: var(--space-base);
  position: relative;
  padding-bottom: var(--space-xl);
}
.process-step:last-child { padding-bottom: 0; }

.process-step::before {
  content: '';
  position: absolute;
  left: 16px;
  top: 34px;
  bottom: 0;
  width: 2px;
  background: var(--color-smoke);
}
.process-step:last-child::before { display: none; }

.step-num {
  width: 34px;
  height: 34px;
  min-width: 34px;
  border-radius: 50%;
  background: var(--brand-gradient);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.8125rem;
  font-weight: var(--fw-extrabold);
  color: var(--color-phantom);
  flex-shrink: 0;
  position: relative;
  z-index: 1;
}

.step-content {
  padding-top: 6px;
  flex: 1;
  min-width: 0;
}
.step-content h4 {
  font-size: 0.9375rem;
  font-weight: var(--fw-bold);
  color: var(--color-phantom);
  margin-bottom: 4px;
  line-height: 1.3;
}
.step-content p {
  font-size: 0.875rem;
  color: var(--color-graphite);
  line-height: 1.6;
  margin: 0;
}
.step-content ul {
  list-style: none;
  padding: 0;
  margin: var(--space-sm) 0 0;
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.step-content ul li {
  font-size: 0.8125rem;
  color: var(--color-graphite);
  line-height: 1.5;
  padding-left: 1rem;
  position: relative;
}
.step-content ul li::before {
  content: '•';
  position: absolute;
  left: 0;
  color: var(--brand-green);
  font-weight: bold;
}

/* ── TIER BADGES ─────────────────────────────────────────────── */
.tier-badge {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  padding: 2px 10px;
  border-radius: var(--radius-full);
  font-size: 0.6875rem;
  font-weight: var(--fw-bold);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  white-space: nowrap;
}
.tier-badge--free {
  background: rgba(23,254,155,0.12);
  color: var(--brand-green-dark);
  border: 1px solid rgba(23,254,155,0.25);
}
.tier-badge--pro {
  background: rgba(36,178,251,0.12);
  color: var(--brand-blue);
  border: 1px solid rgba(36,178,251,0.25);
}
.tier-badge--elite {
  background: rgba(245,158,11,0.12);
  color: #92400E;
  border: 1px solid rgba(245,158,11,0.3);
}

/* ── KEY TERMS TABLE ─────────────────────────────────────────── */
.key-terms-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.875rem;
  margin: var(--space-xl) 0;
}
.key-terms-table th {
  background: var(--color-phantom);
  color: var(--color-white);
  font-size: 0.75rem;
  font-weight: var(--fw-bold);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  padding: 0.625rem 1rem;
  text-align: left;
}
.key-terms-table th:first-child { border-radius: var(--radius-sm) 0 0 0; }
.key-terms-table th:last-child  { border-radius: 0 var(--radius-sm) 0 0; }
.key-terms-table td {
  padding: 0.625rem 1rem;
  color: var(--color-graphite);
  border-bottom: 1px solid var(--color-cloud);
  vertical-align: middle;
  line-height: 1.4;
}
.key-terms-table td:first-child { font-weight: var(--fw-semibold); color: var(--color-phantom); }
.key-terms-table tr:last-child td { border-bottom: none; }
.key-terms-table tr:nth-child(even) td { background: var(--color-cloud); }

/* ── SERVICE PROVIDER GRID ───────────────────────────────────── */
.provider-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
  gap: var(--space-base);
  margin: var(--space-xl) 0;
}
.provider-card {
  background: var(--color-cloud);
  border: 1px solid var(--color-smoke);
  border-radius: var(--radius-lg);
  padding: var(--space-base);
}
.provider-card .pc-name {
  font-size: 0.8125rem;
  font-weight: var(--fw-bold);
  color: var(--color-phantom);
  margin-bottom: 4px;
}
.provider-card .pc-desc {
  font-size: 0.75rem;
  color: var(--color-graphite);
  line-height: 1.5;
}

@media (max-width: 480px) {
  .provider-grid { grid-template-columns: 1fr; }
}

/* ── ELIGIBLE GRID (Lead Credit Policy) ─────────────────────── */
.eligible-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin: 16px 0;
}
.eligible-grid .col-head {
  font-size: 0.82rem;
  font-weight: 700;
  margin-bottom: 8px;
}
.col-yes .col-head { color: #6ee7b7; }
.col-no  .col-head { color: #fca5a5; }
@media (max-width: 640px) { .eligible-grid { grid-template-columns: 1fr; } }