/* sacco-loans.css — extends shared.css */
:root { --cat-color: hsl(220,75%,50%); }

/* 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}}

/* ============================================================
   LOAN TIPS PAGE
   ============================================================ */

/* --- Badge --- */
.lt-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 --- */
.lt-hero {
  background: linear-gradient(135deg, #0f172a 0%, #1e293b 100%);
  border-bottom: 1px solid #1e293b;
  padding: 4rem 1.5rem 3.5rem;
  position: relative;
  overflow: hidden;
}
.lt-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;
}
.lt-hero-inner {
  max-width: 780px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
  text-align: center;
}
.lt-hero h1 {
  font-size: clamp(1.8rem, 3.5vw, 2.5rem);
  font-weight: 800;
  color: white;
  line-height: 1.25;
  letter-spacing: -0.02em;
}

/* --- Section Wrapper --- */
.lt-section {
  padding: 3.5rem 1.5rem;
  background: var(--bg);
}
.lt-section:nth-child(even) {
  background: #fff;
}
.lt-section-inner {
  max-width: 960px;
  margin: 0 auto;
}
.lt-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;
}
.lt-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;
}

/* --- Warning Cards --- */
.lt-warning-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}
.lt-warning-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.75rem 1.5rem;
  box-shadow: var(--shadow-sm);
  position: relative;
  overflow: hidden;
  transition: box-shadow 0.2s, transform 0.2s, border-color 0.2s;
}
.lt-warning-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: var(--primary);
}
.lt-warning-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-3px);
  border-color: rgba(255,106,0,0.25);
}
.lt-warning-title {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--foreground);
  margin-bottom: 0.6rem;
  letter-spacing: -0.01em;
}
.lt-warning-desc {
  font-size: 0.9rem;
  color: var(--muted-fg);
  line-height: 1.65;
}

/* --- Generic Point List (4-point & 3-point) --- */
.lt-list {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  max-width: 800px;
  margin: 0 auto;
}
.lt-point {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.25rem;
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.2s;
}
.lt-point:hover {
  box-shadow: var(--shadow-md);
}
.lt-point-num {
  background: var(--primary-light);
  color: var(--primary-dark);
  width: 34px;
  height: 34px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.95rem;
  font-weight: 800;
  flex-shrink: 0;
}
.lt-point-title {
  font-size: 0.98rem;
  font-weight: 700;
  color: var(--foreground);
  margin-bottom: 0.3rem;
  letter-spacing: -0.01em;
}
.lt-point-desc {
  font-size: 0.85rem;
  color: var(--muted-fg);
  line-height: 1.6;
}

/* --- Real Loan Examples --- */
.lt-examples-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}
.lt-example-card {
  background: white;
  border: 1px dashed var(--border);
  border-radius: var(--radius-lg);
  padding: 1.75rem 1.5rem;
  text-align: center;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.2s, border-color 0.2s;
}
.lt-example-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--primary);
}
.lt-example-head {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--foreground);
  margin-bottom: 0.5rem;
  letter-spacing: -0.01em;
}
.lt-example-card p {
  font-size: 0.85rem;
  color: var(--muted-fg);
  line-height: 1.6;
}

/* --- FAQ --- */
.lt-faq-list {
  max-width: 700px;
  margin: 0 auto;
}
.lt-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;
}
.lt-faq-item:hover {
  box-shadow: var(--shadow-md);
}
.lt-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;
}
.lt-faq-question:hover {
  background: #f8fafc;
}
.lt-faq-arrow {
  font-size: 0.7rem;
  color: var(--muted-fg);
  transition: transform 0.25s;
  flex-shrink: 0;
}
.lt-faq-item.open .lt-faq-arrow {
  transform: rotate(180deg);
}
.lt-faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease, padding 0.3s ease;
}
.lt-faq-item.open .lt-faq-answer {
  max-height: 200px;
  padding: 0 1.25rem 1rem;
}
.lt-faq-answer p {
  font-size: 0.9rem;
  color: var(--muted-fg);
  line-height: 1.65;
}

/* --- Detailed Loan Tips (15 Tips) --- */
.lt-details-section {
  background: #fff;
}
.lt-tips-list {
  max-width: 780px;
  margin: 0 auto;
}
.lt-tip {
  display: flex;
  align-items: flex-start;
  gap: 1.25rem;
  padding: 1.5rem 0;
  border-bottom: 1px solid var(--border-light);
}
.lt-tip:last-child {
  border-bottom: none;
}
.lt-tip-num {
  flex-shrink: 0;
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: var(--primary);
  color: white;
  font-size: 1rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
}
.lt-tip-title {
  font-size: 1.02rem;
  font-weight: 700;
  color: var(--foreground);
  margin-bottom: 0.35rem;
  letter-spacing: -0.01em;
}
.lt-tip-desc {
  font-size: 0.9rem;
  color: var(--muted-fg);
  line-height: 1.6;
}
.lt-tip-list {
  list-style: disc;
  padding-left: 1.25rem;
  margin-top: 0.5rem;
}
.lt-tip-list li {
  font-size: 0.9rem;
  color: var(--muted-fg);
  line-height: 1.6;
}

/* ============================================================
   LOAN TIPS — RESPONSIVE
   ============================================================ */
@media (max-width: 768px) {
  .lt-hero { padding: 3rem 1.25rem 2.5rem; }
  .lt-section { padding: 2.5rem 1.25rem; }
  .lt-warning-grid { grid-template-columns: 1fr; max-width: 420px; margin-left: auto; margin-right: auto; }
  .lt-examples-grid { grid-template-columns: 1fr; max-width: 420px; margin-left: auto; margin-right: auto; }
  .lt-list { grid-template-columns: 1fr; max-width: 420px; margin-left: auto; margin-right: auto; }
}
@media (max-width: 480px) {
  .lt-hero { padding: 2.5rem 1rem 2rem; }
  .lt-section { padding: 2rem 1rem; }
  .lt-tip { gap: 1rem; }
  .lt-tip-num { width: 36px; height: 36px; font-size: 0.9rem; }
}