/* microfinance-loans.css — extends shared.css */
:root { --cat-color: hsl(168,65%,40%); }

/* Accent overrides */
.plan-card::before { background: var(--cat-color); }
.plan-price { color: var(--cat-color); }
.plan-checkbox-wrap input { accent-color: var(--cat-color); }
.compare-bar { border-top-color: var(--cat-color); }
.compare-bar-info span { color: var(--cat-color); }
.cat-badge { background: hsla(var(--cat-h),var(--cat-s),var(--cat-l),.1); color: var(--cat-color); border-color: hsla(var(--cat-h),var(--cat-s),var(--cat-l),.25); }


/* ---- MODALS ---- */
.modal{display:none;position:fixed;inset:0;background:rgba(2,8,23,0.72);backdrop-filter:blur(4px);-webkit-backdrop-filter:blur(4px);z-index:9999;justify-content:center;align-items:center;padding:1rem}
.modal.active{display:flex}
.modal-content{background:#fff;border:1px solid var(--border,#e2e8f0);border-radius:20px;width:100%;max-height:88vh;overflow-y:auto;animation:modalIn .25s cubic-bezier(.34,1.56,.64,1);scrollbar-width:none;box-shadow:0 24px 64px rgba(0,0,0,.3)}
.modal-content::-webkit-scrollbar{display:none}
@keyframes modalIn{from{opacity:0;transform:translateY(-18px) scale(.97)}to{opacity:1;transform:none}}
.modal-header{padding:1.35rem 1.5rem;border-bottom:1px solid var(--border,#e2e8f0);display:flex;justify-content:space-between;align-items:center;position:sticky;top:0;background:#fff;border-radius:20px 20px 0 0;z-index:1}
.modal-header h3{font-size:1.05rem;font-weight:800;display:flex;align-items:center;color:#0f172a;gap:.5rem;letter-spacing:-.01em}
.modal-close{background:#f1f5f9;border:none;width:32px;height:32px;border-radius:8px;cursor:pointer;color:#64748b;font-size:1.1rem;display:flex;align-items:center;justify-content:center;transition:all .15s;flex-shrink:0}
.modal-close:hover{background:#fee2e2;color:#ef4444}
.modal-body{padding:1.5rem}
@media(max-width:480px){.modal{align-items:flex-end;padding:0}.modal-content{border-radius:20px 20px 0 0;max-height:92vh}.modal-header{border-radius:20px 20px 0 0}}

/* ============================================================
   CREDIT CARDS PAGE
   ============================================================ */

/* --- Shared Badge --- */
.cc-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: rgba(255,106,0,0.12);
  color: #fb923c;
  border: 1px solid rgba(255,106,0,0.25);
  border-radius: 999px;
  padding: 0.3rem 0.9rem;
  font-size: 0.78rem;
  font-weight: 700;
  margin-bottom: 0.85rem;
  letter-spacing: 0.02em;
}

/* --- Hero --- */
.cc-hero {
  background: linear-gradient(135deg, #0f172a 0%, #1e293b 100%);
  border-bottom: 1px solid #1e293b;
  padding: 4rem 1.5rem 3.5rem;
  position: relative;
  overflow: hidden;
}
.cc-hero::before {
  content: '';
  position: absolute;
  top: -60px; right: -60px;
  width: 350px; height: 350px;
  background: radial-gradient(circle, rgba(255,106,0,0.15) 0%, transparent 65%);
  pointer-events: none;
}
.cc-hero::after {
  content: '';
  position: absolute;
  bottom: -80px; left: 30%;
  width: 250px; height: 250px;
  background: radial-gradient(circle, rgba(59,130,246,0.08) 0%, transparent 65%);
  pointer-events: none;
}
.cc-hero-inner {
  max-width: 720px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
  text-align: center;
}
.cc-hero h1 {
  font-size: clamp(2rem, 4vw, 2.8rem);
  font-weight: 800;
  color: white;
  line-height: 1.2;
  margin-bottom: 0.75rem;
  letter-spacing: -0.02em;
}
.cc-hero-sub {
  color: #cbd5e1;
  font-size: clamp(1.05rem, 2vw, 1.2rem);
  line-height: 1.6;
  margin-bottom: 1rem;
  font-weight: 500;
}
.cc-hero-desc {
  color: #94a3b8;
  font-size: 1rem;
  line-height: 1.7;
  max-width: 580px;
  margin: 0 auto;
}

/* --- Section Wrapper --- */
.cc-section {
  padding: 3.5rem 1.5rem;
}
.cc-section:nth-child(even) {
  background: #fff;
}
.cc-section-inner {
  max-width: 1120px;
  margin: 0 auto;
}
.cc-section-title {
  font-size: clamp(1.4rem, 2.5vw, 1.8rem);
  font-weight: 800;
  color: var(--foreground);
  letter-spacing: -0.02em;
  margin-bottom: 0.4rem;
  text-align: center;
}
.cc-section-desc {
  color: var(--muted-fg);
  font-size: 0.95rem;
  text-align: center;
  margin-bottom: 2.25rem;
  max-width: 600px;
  margin-left: auto;
  margin-right: auto;
  line-height: 1.65;
}

/* --- Why Use a Credit Card (Key Points) --- */
.cc-keypoints {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(min(220px, 100%), 1fr));
  gap: 1rem;
  max-width: 800px;
  margin: 0 auto;
}
.cc-keypoint {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1rem 1.25rem;
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-weight: 600;
  font-size: 0.92rem;
  color: var(--foreground);
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.2s, transform 0.2s;
}
.cc-keypoint:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-1px);
}
.cc-keypoint-icon {
  background: var(--primary);
  color: white;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.8rem;
  flex-shrink: 0;
  font-weight: 700;
}

/* --- Credit Card Types (3 Category Cards) --- */
.cc-types-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}
.cc-type-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.2s, transform 0.2s, border-color 0.2s;
  position: relative;
}
.cc-type-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-3px);
  border-color: rgba(255,106,0,0.25);
}
.cc-type-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
}
.cc-type-classic::before { background: #64748b; }
.cc-type-gold::before { background: #f59e0b; }
.cc-type-platinum::before { background: #6366f1; }
.cc-type-label {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  padding: 0.25rem 0.75rem;
  border-radius: 999px;
  margin: 1.25rem 1.35rem 0.75rem;
}
.cc-type-classic .cc-type-label { background: #f1f5f9; color: #475569; }
.cc-type-gold .cc-type-label { background: #fef3c7; color: #92400e; }
.cc-type-platinum .cc-type-label { background: #eef2ff; color: #4338ca; }
.cc-type-card h3 {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--foreground);
  padding: 0 1.35rem;
  margin-bottom: 1rem;
  letter-spacing: -0.01em;
}
.cc-type-details {
  padding: 0 1.35rem 1.35rem;
}
.cc-type-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: 0.45rem 0;
  border-bottom: 1px solid var(--border-light);
  font-size: 0.875rem;
}
.cc-type-row:last-child { border-bottom: none; }
.cc-type-key {
  color: var(--muted-fg);
  font-weight: 500;
}
.cc-type-val {
  font-weight: 700;
  color: var(--foreground);
  text-align: right;
}

/* --- Credit Card Details --- */
.cc-details-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}
.cc-detail-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.2s, transform 0.2s;
}
.cc-detail-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-2px);
}
.cc-detail-header {
  padding: 1rem 1.35rem;
  font-size: 1.05rem;
  font-weight: 800;
  color: white;
  letter-spacing: -0.01em;
}
.cc-detail-classic { background: linear-gradient(135deg, #475569, #64748b); }
.cc-detail-gold { background: linear-gradient(135deg, #d97706, #f59e0b); }
.cc-detail-platinum { background: linear-gradient(135deg, #4338ca, #6366f1); }
.cc-detail-body {
  padding: 1.25rem 1.35rem;
}
.cc-detail-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: 0.5rem 0;
  border-bottom: 1px solid var(--border-light);
  font-size: 0.875rem;
}
.cc-detail-row:last-child { border-bottom: none; }
.cc-detail-row span {
  color: var(--muted-fg);
  font-weight: 500;
}
.cc-detail-row strong {
  color: var(--foreground);
  font-weight: 700;
  text-align: right;
}

/* --- Calculator Inputs --- */
.cc-calc-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2rem;
  max-width: 640px;
  margin: 0 auto;
  box-shadow: var(--shadow-sm);
}
.cc-calc-subtitle {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--foreground);
  margin-bottom: 1.25rem;
  letter-spacing: -0.01em;
}
.cc-calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
.cc-calc-grid > :last-child {
  grid-column: 1 / -1;
}
.cc-calc-field label {
  display: block;
  font-size: 0.82rem;
  font-weight: 700;
  margin-bottom: 0.4rem;
  color: var(--foreground);
}
.cc-calc-field input {
  width: 100%;
  padding: 0.65rem 0.9rem;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  font-size: 0.9rem;
  background: var(--bg);
  color: var(--foreground);
  transition: border-color 0.15s, box-shadow 0.15s;
}
.cc-calc-field input:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(255,106,0,0.1);
}

/* --- Calculator Results --- */
.cc-results-card {
  margin-top: 1.5rem;
  max-width: 640px;
  margin-left: auto;
  margin-right: auto;
}
.cc-results-title {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--foreground);
  margin-bottom: 1rem;
  letter-spacing: -0.01em;
}
.cc-results-hint {
  background: var(--primary-light);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1rem 1.25rem;
  font-size: 0.9rem;
  color: var(--muted-fg);
  text-align: center;
}
.cc-results-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.85rem;
}
.cc-result-item {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1rem 1.15rem;
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
  box-shadow: var(--shadow-sm);
}
.cc-result-label {
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--muted-fg);
  line-height: 1.4;
}
.cc-result-value {
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--foreground);
  letter-spacing: -0.02em;
}
.cc-result-highlight {
  border-color: var(--primary);
  background: var(--primary-light);
}
.cc-result-highlight .cc-result-value {
  color: var(--primary-dark);
}
.cc-results-note {
  margin-top: 1rem;
  font-size: 0.8rem;
  color: var(--muted-fg);
  line-height: 1.6;
  text-align: center;
}

/* --- Featured Kenyan Bank Credit Cards --- */
.cc-banks-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(min(320px, 100%), 1fr));
  gap: 1.25rem;
}
.cc-bank-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.2s, transform 0.2s, border-color 0.2s;
  position: relative;
}
.cc-bank-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-3px);
  border-color: rgba(255,106,0,0.25);
}
.cc-bank-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: var(--primary);
}
.cc-bank-header {
  padding: 1.25rem 1.35rem 0.75rem;
}
.cc-bank-header h3 {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--foreground);
  letter-spacing: -0.01em;
}
.cc-bank-body {
  padding: 0 1.35rem 1.35rem;
}
.cc-bank-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: 0.5rem 0;
  border-bottom: 1px solid var(--border-light);
  font-size: 0.875rem;
  gap: 0.75rem;
}
.cc-bank-row:last-child { border-bottom: none; }
.cc-bank-row span {
  color: var(--muted-fg);
  font-weight: 500;
  white-space: nowrap;
}
.cc-bank-row strong {
  color: var(--foreground);
  font-weight: 700;
  text-align: right;
}

/* --- Comparison Table --- */
.cc-table-wrap {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  background: white;
}
.cc-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9rem;
}
.cc-table thead {
  background: #0f172a;
}
.cc-table th {
  color: #e2e8f0;
  font-weight: 700;
  padding: 0.9rem 1.1rem;
  text-align: left;
  white-space: nowrap;
  font-size: 0.82rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.cc-table td {
  padding: 0.8rem 1.1rem;
  border-bottom: 1px solid var(--border-light);
  color: var(--foreground);
  vertical-align: middle;
}
.cc-table tbody tr:hover {
  background: #f8fafc;
}
.cc-table tbody tr:last-child td {
  border-bottom: none;
}

/* --- Benefits --- */
.cc-benefits {
  background: linear-gradient(135deg, #0f172a 0%, #1e293b 100%);
}
.cc-benefits .cc-section-title {
  color: white;
}
.cc-benefits .cc-section-desc {
  color: #94a3b8;
}
.cc-benefits-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
}
.cc-benefit-card {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg);
  padding: 1.5rem 1.25rem;
  text-align: center;
  transition: background 0.2s, transform 0.2s;
}
.cc-benefit-card:hover {
  background: rgba(255,255,255,0.08);
  transform: translateY(-2px);
}
.cc-benefit-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  background: var(--primary);
  color: white;
  border-radius: 50%;
  font-size: 1.1rem;
  font-weight: 700;
  margin-bottom: 0.85rem;
}
.cc-benefit-card h3 {
  color: white;
  font-size: 0.92rem;
  font-weight: 700;
  line-height: 1.4;
}

/* --- FAQ --- */
.cc-faq-list {
  max-width: 700px;
  margin: 0 auto;
}
.cc-faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  margin-bottom: 0.75rem;
  overflow: hidden;
  background: white;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.2s;
}
.cc-faq-item:hover {
  box-shadow: var(--shadow-md);
}
.cc-faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1rem 1.25rem;
  background: none;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--foreground);
  text-align: left;
  cursor: pointer;
  gap: 1rem;
  transition: background 0.15s;
}
.cc-faq-question:hover {
  background: #f8fafc;
}
.cc-faq-arrow {
  font-size: 0.7rem;
  color: var(--muted-fg);
  transition: transform 0.25s;
  flex-shrink: 0;
}
.cc-faq-item.open .cc-faq-arrow {
  transform: rotate(180deg);
}
.cc-faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease, padding 0.3s ease;
}
.cc-faq-item.open .cc-faq-answer {
  max-height: 200px;
  padding: 0 1.25rem 1rem;
}
.cc-faq-answer p {
  font-size: 0.9rem;
  color: var(--muted-fg);
  line-height: 1.65;
}

/* ============================================================
   CREDIT CARDS — RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .cc-types-grid { grid-template-columns: repeat(2, 1fr); }
  .cc-details-grid { grid-template-columns: repeat(2, 1fr); }
  .cc-benefits-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .cc-hero { padding: 3rem 1.25rem 2.5rem; }
  .cc-section { padding: 2.5rem 1.25rem; }
  .cc-types-grid { grid-template-columns: 1fr; max-width: 420px; margin-left: auto; margin-right: auto; }
  .cc-details-grid { grid-template-columns: 1fr; max-width: 420px; margin-left: auto; margin-right: auto; }
  .cc-banks-grid { grid-template-columns: 1fr; }
  .cc-benefits-grid { grid-template-columns: 1fr 1fr; gap: 1rem; }
  .cc-calc-grid { grid-template-columns: 1fr; }
  .cc-calc-card { padding: 1.5rem; }
  .cc-results-grid { grid-template-columns: 1fr 1fr; }
  .cc-table th, .cc-table td { padding: 0.7rem 0.85rem; font-size: 0.82rem; }
}
@media (max-width: 480px) {
  .cc-hero { padding: 2.5rem 1rem 2rem; }
  .cc-section { padding: 2rem 1rem; }
  .cc-benefits-grid { grid-template-columns: 1fr; }
  .cc-keypoints { grid-template-columns: 1fr; }
  .cc-calc-card { padding: 1.25rem; }
  .cc-results-grid { grid-template-columns: 1fr; }
  .cc-table th, .cc-table td { padding: 0.6rem 0.7rem; font-size: 0.78rem; }
}