/* ==========================================================================
   LOAN MASTERS - Mobile-Only Responsive System
   ========================================================================== */

/* ==========================================================================
   1. TABLETS & SMARTPHONES (max-width: 991px)
   ========================================================================== */
@media (max-width: 991px) {
  /* Safe padding for fixed mobile bottom bar */
  body {
    padding-bottom: 76px;
  }

  /* Mobile Button Wrapping */
  .btn {
    white-space: normal;
    max-width: 100%;
    box-sizing: border-box;
    text-align: center;
  }

  .btn-lg {
    padding: 14px 22px;
    font-size: 0.95rem;
    white-space: normal;
    max-width: 100%;
  }

  /* Compact section vertical flow */
  .section {
    padding: 32px 0;
  }

  .section-header {
    margin-bottom: 24px;
  }

  .section-badge {
    margin-bottom: 10px;
    padding: 4px 12px;
    font-size: 0.78rem;
  }

  .section-title {
    font-size: 1.85rem;
    margin-bottom: 10px;
  }

  .section-subtitle {
    font-size: 0.92rem;
  }

  /* Subpage Hero Banners (About, Products, Calculator, etc.) */
  .page-view > .section-dark:first-child,
  .page-view > .section:first-child {
    padding: 32px 0 24px 0 !important;
  }

  .page-view > .section-dark:first-child .section-title,
  .page-view > .section:first-child .section-title {
    font-size: 1.85rem !important;
    margin-bottom: 8px !important;
  }

  .page-view > .section-dark:first-child .section-subtitle,
  .page-view > .section:first-child .section-subtitle {
    font-size: 0.92rem !important;
  }

  /* Top Announcement Bar Simplification */
  .desk-only {
    display: none !important;
  }

  .top-bar-content {
    justify-content: space-between;
  }

  .top-bar-left, .top-bar-right {
    gap: 8px;
  }

  .top-badge-verified {
    font-size: 0.7rem;
    padding: 2px 8px;
  }

  /* Main Navigation Header */
  .main-header {
    height: 66px;
  }

  .nav-container {
    height: 66px;
  }

  .nav-links {
    display: none;
  }

  .desk-cta {
    display: none;
  }

  .mobile-toggle {
    display: flex;
  }

  /* Brand Logo Mobile */
  .logo-img-wrapper {
    width: 42px;
    height: 42px;
  }

  /* Hero Section */
  .hero-section {
    padding: 28px 0 36px 0;
  }

  .hero-pill-badge {
    font-size: 0.78rem;
    padding: 5px 12px;
    margin-bottom: 14px;
  }

  .hero-title {
    font-size: 2.05rem;
    margin-bottom: 14px;
  }

  .hero-desc {
    font-size: 0.95rem;
    line-height: 1.6;
    margin-bottom: 22px;
  }

  .hero-cta-group {
    margin-bottom: 24px;
    gap: 10px;
  }

  .hero-image-card img {
    height: 240px;
  }

  .hero-stats-row {
    grid-template-columns: repeat(3, 1fr);
    gap: 8px;
    padding-top: 16px;
  }

  .hero-stat-item {
    text-align: center;
    background: rgba(255, 255, 255, 0.04);
    border: 1px solid rgba(255, 255, 255, 0.08);
    border-radius: var(--radius-sm);
    padding: 8px 4px;
  }

  .stat-number {
    font-size: 1.35rem;
  }

  .stat-label {
    font-size: 0.68rem;
    line-height: 1.2;
  }

  /* Floating Badges On Hero Image */
  .floating-glass-card {
    position: static;
    margin-top: 10px;
    width: 100%;
    justify-content: flex-start;
    padding: 10px 14px;
  }

  .floating-glass-card.top-left,
  .floating-glass-card.bottom-right {
    top: auto;
    left: auto;
    right: auto;
    bottom: auto;
  }

  /* Partner Banks Marquee */
  .partner-marquee-section {
    padding: 20px 0;
  }

  .partner-logos-track {
    gap: 8px;
    justify-content: center;
  }

  .partner-logo-badge {
    padding: 6px 12px;
    font-size: 0.8rem;
  }

  /* 2-Column Sections to 1-Column Vertical Stacks on Mobile */
  .hero-grid {
    grid-template-columns: 1fr !important;
    gap: 28px;
  }

  .hero-content {
    align-items: center;
    text-align: center;
  }

  .hero-desc {
    margin-left: auto;
    margin-right: auto;
  }

  .hero-cta-group {
    justify-content: center;
  }

  .hero-media-wrapper {
    max-width: 100%;
    margin: 0 auto;
  }

  .calculator-grid {
    grid-template-columns: 1fr !important;
    gap: 28px;
  }

  .faq-consult-grid {
    grid-template-columns: 1fr !important;
    gap: 32px;
  }

  .contact-grid {
    grid-template-columns: 1fr !important;
    gap: 32px;
  }

  .milestone-grid {
    grid-template-columns: 1fr !important;
    gap: 28px;
    text-align: center;
  }

  .founder-profile-card {
    grid-template-columns: 1fr !important;
  }

  .founder-img-box {
    height: 300px;
  }

  .dossier-grid {
    grid-template-columns: 1fr !important;
    gap: 28px;
  }

  .eligibility-grid {
    grid-template-columns: 1fr !important;
    gap: 28px;
  }

  /* Grids & Cards */
  .products-grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .product-card {
    border-radius: var(--radius-lg);
  }

  .product-card-header img {
    height: 160px;
  }

  .product-card-body {
    padding: 20px 16px;
  }

  .awards-grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .award-img-box img {
    height: 200px;
  }

  .award-card-info {
    padding: 20px 16px;
  }

  .why-choose-grid {
    grid-template-columns: 1fr;
    gap: 14px;
  }

  .why-choose-card {
    padding: 20px 16px;
  }

  .consulting-steps-grid {
    grid-template-columns: 1fr;
    gap: 14px;
  }

  .consulting-step-card {
    padding: 20px 16px;
  }

  .step-badge-circle {
    width: 46px;
    height: 46px;
    font-size: 1.25rem;
    margin-bottom: 12px;
  }

  .awards-highlight-strip {
    padding: 24px 18px;
    margin-bottom: 28px;
  }

  .values-grid {
    grid-template-columns: 1fr;
    gap: 14px;
  }

  .value-card {
    padding: 20px 16px;
  }

  .product-deep-card {
    border-radius: var(--radius-lg);
    margin-bottom: 24px;
  }

  .product-deep-img-box {
    min-height: 200px;
    max-height: 220px;
  }

  .product-deep-content {
    padding: 20px 16px;
  }

  .product-spec-grid {
    grid-template-columns: 1fr 1fr;
    gap: 8px;
    margin-bottom: 16px;
  }

  .checklist-box-wrapper {
    padding: 20px 16px;
    border-radius: var(--radius-lg);
  }

  .checklist-grid {
    grid-template-columns: 1fr;
    gap: 14px;
  }

  /* Calculator Mobile */
  .calculator-card {
    padding: 20px 16px;
    border-radius: var(--radius-lg);
  }

  .calc-input-group {
    margin-bottom: 16px;
  }

  .calc-input-header {
    flex-wrap: wrap;
    gap: 4px;
    margin-bottom: 8px;
  }

  .calc-input-display {
    min-width: auto;
    font-size: 0.92rem;
    padding: 3px 8px;
  }

  .calc-result-panel {
    padding: 20px 14px;
    border-radius: var(--radius-lg);
  }

  .chart-container {
    width: 140px;
    height: 140px;
    margin-bottom: 16px;
  }

  .chart-legend {
    gap: 8px;
    margin-bottom: 18px;
  }

  .legend-row {
    font-size: 0.84rem;
    padding-bottom: 6px;
  }

  .emi-amount-huge {
    font-size: 2.1rem;
    margin-bottom: 16px;
  }

  .amortization-card-wrapper {
    padding: 20px 14px;
    margin-bottom: 28px;
    border-radius: var(--radius-lg);
  }

  .table-swipe-badge {
    display: block;
    font-size: 0.76rem;
    margin-bottom: 8px;
  }

  .eligibility-card-wrapper {
    padding: 20px 16px;
    border-radius: var(--radius-lg);
  }

  .eligibility-result-inner {
    padding: 20px 16px;
    border-radius: var(--radius-md);
  }

  .elig-huge-val {
    font-size: 2rem;
    margin: 6px 0 12px 0;
  }

  /* Forms Mobile */
  .apply-form-card {
    padding: 20px 16px;
    border-radius: var(--radius-lg);
  }

  .form-group-row {
    grid-template-columns: 1fr;
    gap: 0;
  }

  .form-group {
    margin-bottom: 14px;
  }

  .form-steps-indicator {
    margin-bottom: 22px;
  }

  .step-circle {
    width: 32px;
    height: 32px;
    font-size: 0.84rem;
  }

  .step-title {
    font-size: 0.72rem;
  }

  .form-radio-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 8px;
  }

  .radio-card-label {
    padding: 10px 6px;
    font-size: 0.82rem;
    min-height: 68px;
  }

  .form-actions-row {
    margin-top: 18px;
    padding-top: 14px;
  }

  /* Contact Mobile */
  .direct-inquiry-box {
    padding: 20px 16px;
    border-radius: var(--radius-lg);
  }

  .quick-consult-box {
    padding: 20px 16px;
    border-radius: var(--radius-lg);
  }

  .contact-methods-list {
    gap: 16px;
    margin-bottom: 24px;
  }

  /* Footer Mobile */
  .main-footer {
    padding: 36px 0 20px 0;
  }

  .footer-top-cta {
    padding: 22px 16px;
    margin-bottom: 32px;
    flex-direction: column;
    text-align: center;
    border-radius: var(--radius-lg);
  }

  .footer-cta-text h3 {
    font-size: 1.35rem;
    margin-bottom: 6px;
  }

  .footer-cta-text p {
    font-size: 0.92rem;
  }

  .footer-cta-actions {
    width: 100%;
    flex-direction: column;
    gap: 8px;
  }

  .footer-cta-actions .btn {
    width: 100%;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 24px;
    margin-bottom: 28px;
  }

  .footer-col h4 {
    margin-bottom: 14px;
  }

  .footer-bottom {
    flex-direction: column;
    text-align: center;
    gap: 10px;
    padding-top: 20px;
  }

  .footer-bottom-links {
    justify-content: center;
    flex-wrap: wrap;
    gap: 12px;
  }

  /* Modal Lightbox Mobile */
  .modal-overlay {
    padding: 10px;
  }

  .modal-content {
    max-height: 90vh;
    border-radius: var(--radius-lg);
  }

  .modal-body {
    grid-template-columns: 1fr;
  }

  .modal-img-wrapper {
    max-height: 220px;
    min-height: 180px;
  }

  .modal-details {
    padding: 18px 14px;
  }

  /* Switch Floating Desktop Buttons to Bottom Mobile Bar */
  .floating-actions {
    display: none !important;
  }

  .mobile-bottom-bar {
    display: flex !important;
  }
}

/* ==========================================================================
   3. SMARTPHONES STANDARD (max-width: 480px)
   ========================================================================== */
@media (max-width: 480px) {
  .container {
    padding: 0 14px;
  }

  .section {
    padding: 26px 0;
  }

  .hero-title {
    font-size: 1.8rem;
  }

  .hero-cta-group {
    flex-direction: column;
    gap: 8px;
  }

  .hero-cta-group .btn {
    width: 100%;
  }

  .btn {
    width: 100%;
    padding: 12px 18px;
  }

  .btn-sm {
    padding: 8px 14px;
  }

  .hero-stats-row {
    grid-template-columns: 1fr;
    gap: 6px;
  }

  .hero-stat-item {
    flex-direction: row;
    justify-content: space-between;
    align-items: center;
    padding: 8px 14px;
  }

  .stat-number {
    font-size: 1.25rem;
  }

  .form-actions-row {
    flex-direction: column-reverse;
    gap: 8px;
  }

  .form-actions-row .btn {
    width: 100%;
  }

  .product-spec-grid {
    grid-template-columns: 1fr;
    gap: 6px;
  }

  .elig-breakdown-grid {
    grid-template-columns: 1fr;
    gap: 8px;
  }

  .founder-milestones {
    grid-template-columns: 1fr;
    gap: 10px;
  }

  .product-rate-tag {
    flex-direction: column;
    align-items: flex-start;
    gap: 4px;
  }

  .mobile-drawer {
    width: 90%;
  }
}

/* ==========================================================================
   4. EXTRA SMALL PHONES (max-width: 380px)
   ========================================================================== */
@media (max-width: 380px) {
  .hero-title {
    font-size: 1.55rem;
  }

  .brand-name {
    font-size: 1.05rem;
  }

  .brand-tagline {
    font-size: 0.6rem;
  }

  .logo-img-wrapper {
    width: 36px;
    height: 36px;
  }

  .form-radio-grid {
    grid-template-columns: 1fr;
  }

  .step-title {
    display: none;
  }

  .bottom-bar-label {
    font-size: 0.62rem;
  }

  .bottom-bar-cta {
    padding: 5px 10px;
  }

  .bottom-bar-cta-text {
    font-size: 0.75rem;
  }
}