/* ================================================================
   FINANCIAL SERVICE HUB — Complete Stylesheet
   Path: css/financial-hub.css
   Matches ETF / Bet / Education / Consultation / Agriculture hubs
   Fully responsive: 280 · 380 · 480 · 768 · 1024 · 1440 · 1920+
   ================================================================ */

/* ================================================================
   01. DESIGN TOKENS
   ================================================================ */
:root {
    --fin-primary:        #1e5b8a;
    --fin-primary-dark:   #154360;
    --fin-primary-light:  #2b7fb8;
    --fin-accent:         #1d4362;
    --fin-gold:           #fbbf24;
    --fin-green:          #16a34a;
    --fin-red:            #dc2626;

    --fin-bg:             #f8fafc;
    --fin-surface:        #ffffff;
    --fin-surface-2:      #f1f5f9;
    --fin-surface-3:      #e2e8f0;

    --fin-text:           #0f172a;
    --fin-text-2:         #334155;
    --fin-muted:          #64748b;
    --fin-border:         #e2e8f0;

    --fin-radius:         14px;
    --fin-radius-sm:      10px;
    --fin-radius-lg:      20px;
    --fin-radius-pill:    999px;

    --fin-shadow:         0 4px 20px rgba(15, 23, 42, 0.06);
    --fin-shadow-md:      0 12px 28px rgba(30, 91, 138, 0.15);
    --fin-shadow-lg:      0 30px 80px rgba(15, 23, 42, 0.4);

    --fin-font: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto,
                Oxygen, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;
}

/* ================================================================
   02. MODAL WRAPPERS
   ================================================================ */
.financial-modal,
.fin-camera-modal,
.fin-video-call-modal {
    display: none;
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(0, 0, 0, 0.75);
    backdrop-filter: blur(6px);
    -webkit-backdrop-filter: blur(6px);
    z-index: 2500;
    align-items: center;
    justify-content: center;
    padding: clamp(8px, 2vw, 24px);
    font-family: var(--fin-font);
    color: var(--fin-text);
    box-sizing: border-box;
}
.financial-modal.active,
.fin-camera-modal.active,
.fin-video-call-modal.active {
    display: flex;
}

.financial-modal *,
.financial-modal *::before,
.financial-modal *::after,
.fin-camera-modal *,
.fin-camera-modal *::before,
.fin-camera-modal *::after,
.fin-video-call-modal *,
.fin-video-call-modal *::before,
.fin-video-call-modal *::after {
    box-sizing: border-box;
}

/* ================================================================
   03. CONTAINERS
   ================================================================ */
.financial-container {
    background: var(--fin-surface);
    border-radius: var(--radius, 12px);
    border: 2px solid var(--color-border, #b0b8c0);
    width: 100%;
    max-width: 1300px;
    max-height: 94vh;
    display: flex;
    flex-direction: column;
    overflow: hidden;
    box-shadow: var(--fin-shadow-lg);
    animation: entSlideIn 0.3s ease;
}

@keyframes entSlideIn {
    from { opacity: 0; transform: scale(0.95) translateY(20px); }
    to   { opacity: 1; transform: scale(1) translateY(0); }
}

/* ================================================================
   04. HEADER
   ================================================================ */
.financial-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    padding: clamp(12px, 1.8vw, 20px) clamp(14px, 2vw, 24px);
    background: linear-gradient(135deg, var(--fin-primary) 0%, var(--fin-primary-light) 100%);
    color: #ffffff;
    flex-shrink: 0;
    border-radius: var(--radius, 12px) var(--radius, 12px) 0 0;
    position: relative;
    overflow: hidden;
}
.financial-header::after {
    content: '';
    position: absolute;
    inset: 0;
    background-image:
        radial-gradient(circle at 12% 20%, rgba(255,255,255,0.10) 0%, transparent 45%),
        radial-gradient(circle at 88% 80%, rgba(255,255,255,0.06) 0%, transparent 50%);
    pointer-events: none;
}
.financial-header-title {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: clamp(0.95rem, 1.5vw, 1.3rem);
    font-weight: 800;
    color: #ffffff;
    min-width: 0;
    position: relative;
    z-index: 1;
}
.financial-header-title i {
    color: var(--fin-gold);
    font-size: 1.1em;
    flex-shrink: 0;
}
.financial-header-title > span:first-of-type {
    white-space: nowrap;
    overflow: hidden;
    text-overflow: ellipsis;
}
.financial-live-badge {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    font-size: clamp(0.5rem, 0.65vw, 0.68rem);
    background: rgba(251, 191, 36, 0.22);
    color: #fef3c7;
    padding: 3px 10px;
    border-radius: var(--fin-radius-pill);
    font-weight: 800;
    letter-spacing: 0.7px;
    border: 1px solid rgba(251, 191, 36, 0.55);
    text-transform: uppercase;
    flex-shrink: 0;
}
.financial-header .window-close-btn {
    color: #ffffff;
    background: rgba(255, 255, 255, 0.10);
    border-color: transparent;
    flex-shrink: 0;
    position: relative;
    z-index: 1;
}
.financial-header .window-close-btn:hover {
    background: rgba(255, 255, 255, 0.22);
    color: #ffffff;
    border-color: rgba(255, 255, 255, 0.3);
}

/* ================================================================
   05. TOP BAR (search + icon actions)
   ================================================================ */
.financial-topbar {
    display: flex;
    gap: 10px;
    padding: clamp(10px, 1.2vw, 14px) clamp(14px, 2vw, 24px);
    border-bottom: 1px solid var(--fin-border);
    background: var(--fin-surface);
    flex-shrink: 0;
    flex-wrap: wrap;
    align-items: stretch;
}
.financial-search {
    flex: 1 1 220px;
    min-width: 0;
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 0 14px;
    border: 2px solid var(--fin-border);
    border-radius: var(--fin-radius-sm);
    background: var(--fin-surface-2);
    transition: border-color 0.2s ease, background 0.2s ease, box-shadow 0.2s ease;
}
.financial-search:focus-within {
    border-color: var(--fin-primary-light);
    background: #ffffff;
    box-shadow: 0 0 0 4px rgba(43, 127, 184, 0.12);
}
.financial-search i {
    color: var(--fin-muted);
    font-size: 0.9rem;
    flex-shrink: 0;
}
.financial-search input {
    flex: 1;
    min-width: 0;
    padding: 11px 0;
    border: none;
    background: transparent;
    outline: none;
    font-family: inherit;
    font-size: clamp(0.72rem, 0.85vw, 0.85rem);
    color: var(--fin-text);
    min-height: 40px;
}
.financial-search input::placeholder { color: #94a3b8; }

.financial-icon-btn {
    flex: 0 0 auto;
    width: 44px;
    height: 44px;
    border-radius: var(--fin-radius-sm);
    border: 2px solid var(--fin-border);
    background: var(--fin-surface-2);
    color: var(--fin-text-2);
    cursor: pointer;
    transition: all 0.2s ease;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 1rem;
}
.financial-icon-btn:hover {
    background: var(--fin-primary-light);
    color: #ffffff;
    border-color: var(--fin-primary);
    transform: translateY(-1px);
}
.financial-icon-btn-primary {
    background: linear-gradient(135deg, var(--fin-primary), var(--fin-primary-light));
    color: #ffffff;
    border-color: var(--fin-primary);
    box-shadow: 0 4px 12px rgba(30, 91, 138, 0.28);
}
.financial-icon-btn-primary:hover {
    background: linear-gradient(135deg, var(--fin-primary-light), #3a95d1);
    box-shadow: 0 6px 18px rgba(30, 91, 138, 0.4);
}

/* ================================================================
   06. TAB SWITCHER
   ================================================================ */
.financial-tabs {
    display: flex;
    flex-wrap: nowrap;
    border-bottom: 2px solid var(--fin-border);
    background: var(--fin-surface);
    flex-shrink: 0;
    overflow-x: auto;
    scrollbar-width: none;
    -ms-overflow-style: none;
    scroll-snap-type: x proximity;
}
.financial-tabs::-webkit-scrollbar { display: none; }

.financial-tab {
    flex: 0 0 auto;
    min-width: 130px;
    padding: clamp(10px, 1.2vw, 14px) clamp(14px, 1.6vw, 20px);
    background: transparent;
    border: none;
    border-bottom: 3px solid transparent;
    font-family: inherit;
    font-weight: 700;
    font-size: clamp(0.68rem, 0.85vw, 0.85rem);
    color: var(--fin-muted);
    cursor: pointer;
    transition: all 0.2s ease;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    white-space: nowrap;
    scroll-snap-align: start;
    -webkit-tap-highlight-color: transparent;
}
.financial-tab:hover {
    background: rgba(43, 127, 184, 0.06);
    color: var(--fin-primary-light);
}
.financial-tab.active {
    color: var(--fin-primary);
    border-bottom-color: var(--fin-primary-light);
    background: var(--fin-surface);
}

/* ================================================================
   07. CONTENT + PANEL WRAPPER
   ================================================================ */
.financial-tab-panels {
    flex: 1 1 auto;
    overflow: hidden;
    display: flex;
    flex-direction: column;
    min-height: 0;
}
.financial-content {
    flex: 1 1 auto;
    overflow-y: auto;
    padding: clamp(14px, 1.8vw, 24px);
    background: var(--fin-bg);
    min-height: 300px;
    scrollbar-width: thin;
    scrollbar-color: #cbd5e1 transparent;
}
.financial-content::-webkit-scrollbar { width: 8px; }
.financial-content::-webkit-scrollbar-track { background: transparent; }
.financial-content::-webkit-scrollbar-thumb {
    background: #cbd5e1;
    border-radius: var(--fin-radius-pill);
    border: 2px solid var(--fin-bg);
}
.financial-panel { display: none; }
.financial-panel.active { display: block; }

/* ================================================================
   08. MAIN GRID (left services+calc / right form)
   ================================================================ */
.financial-grid {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: clamp(12px, 1.6vw, 22px);
    align-items: start;
}
.financial-left,
.financial-right {
    display: flex;
    flex-direction: column;
    gap: clamp(12px, 1.6vw, 22px);
    min-width: 0;
}

/* ================================================================
   09. CARDS
   ================================================================ */
.financial-card {
    background: var(--fin-surface);
    border: 2px solid var(--fin-border);
    border-radius: var(--fin-radius);
    padding: clamp(14px, 1.6vw, 22px);
    box-shadow: var(--fin-shadow);
}
.financial-card-title {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: clamp(0.9rem, 1.1vw, 1.05rem);
    font-weight: 800;
    color: var(--fin-primary);
    margin: 0 0 clamp(10px, 1.4vw, 16px);
    padding-bottom: 8px;
    border-bottom: 2px solid var(--fin-border);
}
.financial-card-title i { color: var(--fin-primary-light); }

/* ================================================================
   10. SERVICE LIST
   ================================================================ */
.financial-service-list {
    display: flex;
    flex-direction: column;
    gap: 8px;
}
.financial-service-item {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 12px 14px;
    background: var(--fin-surface-2);
    border: 2px solid transparent;
    border-radius: var(--fin-radius-sm);
    cursor: pointer;
    transition: all 0.2s ease;
    -webkit-tap-highlight-color: transparent;
}
.financial-service-item:hover {
    background: #ffffff;
    border-color: var(--fin-primary-light);
    transform: translateX(2px);
    box-shadow: 0 4px 12px rgba(30, 91, 138, 0.1);
}
.financial-service-item.active {
    background: linear-gradient(135deg, #eff6ff, #dbeafe);
    border-color: var(--fin-primary-light);
    box-shadow: 0 4px 12px rgba(30, 91, 138, 0.15);
}
.financial-service-icon {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--fin-primary), var(--fin-primary-light));
    color: #ffffff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1rem;
    flex-shrink: 0;
}
.financial-service-item.active .financial-service-icon {
    background: linear-gradient(135deg, #0f172a, #1e293b);
}
.financial-service-text {
    flex: 1;
    font-size: clamp(0.75rem, 0.9vw, 0.88rem);
    font-weight: 700;
    color: var(--fin-text);
    display: flex;
    flex-direction: column;
    gap: 2px;
    min-width: 0;
}
.financial-service-text small {
    font-size: 0.75em;
    font-weight: 500;
    color: var(--fin-muted);
    line-height: 1.35;
}

/* ================================================================
   11. ABOUT THIS SERVICE PANEL
   ================================================================ */
.fin-about-panel {
    margin-top: 14px;
    padding: 14px;
    background: var(--fin-surface-2);
    border: 2px solid var(--fin-border);
    border-radius: var(--fin-radius-sm);
    transition: all 0.25s ease;
}
.fin-about-panel.active {
    background: linear-gradient(135deg, #eff6ff, #dbeafe);
    border-color: var(--fin-primary-light);
    box-shadow: 0 6px 18px rgba(43, 127, 184, 0.12);
}
.fin-about-header {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: clamp(0.72rem, 0.88vw, 0.88rem);
    font-weight: 800;
    color: var(--fin-primary);
    margin-bottom: 8px;
    padding-bottom: 6px;
    border-bottom: 1px solid var(--fin-border);
}
.fin-about-header i { color: var(--fin-primary-light); }
.fin-about-body {
    font-size: clamp(0.66rem, 0.8vw, 0.8rem);
    color: var(--fin-text-2);
    line-height: 1.55;
}
.fin-about-hint {
    color: var(--fin-muted);
    font-style: italic;
    font-size: 0.75rem;
    margin: 0;
}
.fin-about-desc {
    margin: 0 0 10px;
    font-weight: 500;
}
.fin-about-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 8px;
    margin-top: 8px;
}
.fin-about-item {
    display: flex;
    flex-direction: column;
    gap: 2px;
    padding: 8px 10px;
    background: rgba(255, 255, 255, 0.7);
    border-radius: 8px;
    border: 1px solid var(--fin-border);
}
.fin-about-item-label {
    font-size: 0.62rem;
    font-weight: 800;
    color: var(--fin-muted);
    text-transform: uppercase;
    letter-spacing: 0.4px;
}
.fin-about-item-value {
    font-size: 0.82rem;
    font-weight: 800;
    color: var(--fin-primary);
}
.fin-about-eligibility {
    margin: 10px 0 0;
    padding: 8px 10px;
    background: rgba(255, 255, 255, 0.7);
    border-left: 3px solid var(--fin-primary-light);
    border-radius: 4px;
    font-size: 0.72rem;
    color: var(--fin-text-2);
    line-height: 1.5;
}
.fin-about-eligibility strong { color: var(--fin-primary); }

/* ================================================================
   12. CALCULATOR
   ================================================================ */
.financial-calc {
    display: flex;
    flex-direction: column;
    gap: 10px;
    margin-bottom: 12px;
}
.financial-field {
    display: flex;
    flex-direction: column;
    gap: 5px;
}
.financial-field label {
    font-size: clamp(0.62rem, 0.76vw, 0.76rem);
    font-weight: 700;
    color: var(--fin-text-2);
    display: flex;
    align-items: center;
    gap: 6px;
}
.financial-field label i { color: var(--fin-primary-light); }
.financial-field input,
.financial-field select {
    width: 100%;
    padding: 10px 12px;
    border: 2px solid var(--fin-border);
    border-radius: var(--fin-radius-sm);
    font-family: inherit;
    font-size: clamp(0.72rem, 0.85vw, 0.85rem);
    color: var(--fin-text);
    background: #ffffff;
    outline: none;
    min-height: 42px;
    transition: border-color 0.2s ease, box-shadow 0.2s ease;
}
.financial-field input:focus,
.financial-field select:focus {
    border-color: var(--fin-primary-light);
    box-shadow: 0 0 0 4px rgba(43, 127, 184, 0.12);
}

.financial-calc-result {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 12px;
    padding: 14px 16px;
    background: linear-gradient(135deg, var(--fin-primary), var(--fin-primary-light));
    border-radius: var(--fin-radius-sm);
    color: #ffffff;
    margin: 12px 0;
}
.financial-calc-result > span:first-child {
    font-size: clamp(0.72rem, 0.88vw, 0.88rem);
    font-weight: 600;
    opacity: 0.9;
}
.financial-amount {
    font-size: clamp(1.1rem, 1.6vw, 1.5rem);
    font-weight: 900;
    color: var(--fin-gold);
    letter-spacing: -0.02em;
}

/* ================================================================
   13. BUTTONS
   ================================================================ */
.financial-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 12px 20px;
    border-radius: var(--fin-radius-sm);
    font-family: inherit;
    font-weight: 800;
    font-size: clamp(0.72rem, 0.86vw, 0.86rem);
    cursor: pointer;
    transition: all 0.2s ease;
    min-height: 46px;
    border: 2px solid transparent;
    text-decoration: none;
    white-space: nowrap;
    -webkit-tap-highlight-color: transparent;
}
.financial-btn-primary {
    background: linear-gradient(135deg, var(--fin-primary), var(--fin-primary-light));
    color: #ffffff;
    border-color: var(--fin-primary);
    width: 100%;
    box-shadow: 0 4px 14px rgba(30, 91, 138, 0.28);
}
.financial-btn-primary:hover {
    background: linear-gradient(135deg, var(--fin-primary-light), #3a95d1);
    transform: translateY(-1px);
    box-shadow: 0 8px 20px rgba(30, 91, 138, 0.4);
}
.financial-btn-primary:active { transform: translateY(0) scale(0.98); }
.financial-btn-outline {
    background: var(--fin-surface-2);
    color: var(--fin-text-2);
    border-color: var(--fin-border);
}
.financial-btn-outline:hover {
    background: var(--fin-surface-3);
    color: var(--fin-text);
}
.financial-btn-sm {
    min-height: 38px;
    padding: 8px 14px;
    font-size: 0.75rem;
    width: auto;
}

/* ================================================================
   14. FORM SECTIONS
   ================================================================ */
.fin-form-section {
    padding: clamp(12px, 1.4vw, 18px) 0;
    border-bottom: 1px dashed var(--fin-border);
}
.fin-form-section:last-of-type { border-bottom: none; }
.fin-form-section-title {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: clamp(0.75rem, 0.92vw, 0.9rem);
    font-weight: 800;
    color: var(--fin-primary);
    margin-bottom: clamp(10px, 1.2vw, 14px);
}
.fin-form-section-title i { color: var(--fin-primary-light); }

.fin-form-grid-2 {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
}
.fin-form-grid-3 {
    display: grid;
    grid-template-columns: 1fr 1fr 1fr;
    gap: 10px;
}
.fin-form-field {
    display: flex;
    flex-direction: column;
    gap: 5px;
    min-width: 0;
}
.fin-form-field label {
    font-size: clamp(0.6rem, 0.74vw, 0.74rem);
    font-weight: 700;
    color: var(--fin-text-2);
}
.fin-form-field input[type="text"],
.fin-form-field input[type="tel"],
.fin-form-field input[type="number"],
.fin-form-field input[type="date"],
.fin-form-field select {
    width: 100%;
    padding: 9px 12px;
    border: 2px solid var(--fin-border);
    border-radius: var(--fin-radius-sm);
    font-family: inherit;
    font-size: clamp(0.7rem, 0.84vw, 0.84rem);
    color: var(--fin-text);
    background: #ffffff;
    outline: none;
    min-height: 40px;
    transition: border-color 0.2s ease, box-shadow 0.2s ease;
}
.fin-form-field input:focus,
.fin-form-field select:focus {
    border-color: var(--fin-primary-light);
    box-shadow: 0 0 0 4px rgba(43, 127, 184, 0.1);
}

.fin-mt-1 { margin-top: 8px; }
.fin-mt-2 { margin-top: 16px; }

.fin-radio-group {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    align-items: center;
    font-size: clamp(0.62rem, 0.76vw, 0.76rem);
    color: var(--fin-text-2);
}
.fin-radio-group label {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    cursor: pointer;
    font-weight: 600;
}
.fin-radio-group input[type="radio"],
.fin-radio-group input[type="checkbox"] {
    width: 16px;
    height: 16px;
    min-height: 16px;
    min-width: 16px;
    cursor: pointer;
    accent-color: var(--fin-primary-light);
}
.fin-inline-id {
    margin-left: auto;
    display: inline-flex;
    align-items: center;
    gap: 6px;
}
.fin-id-label {
    font-size: clamp(0.6rem, 0.74vw, 0.74rem);
    font-weight: 700;
    color: var(--fin-text-2);
}
.fin-id-input {
    padding: 6px 10px;
    border: 2px solid var(--fin-border);
    border-radius: 6px;
    font-family: inherit;
    font-size: 0.8rem;
    outline: none;
    min-height: 32px;
    width: 140px;
}
.fin-id-input:focus { border-color: var(--fin-primary-light); }

.fin-sub-section {
    padding: 14px;
    background: var(--fin-surface-2);
    border-radius: var(--fin-radius-sm);
    border: 2px dashed var(--fin-border);
}
.fin-sub-section h4 {
    font-size: clamp(0.7rem, 0.86vw, 0.86rem);
    font-weight: 800;
    color: var(--fin-primary);
    margin: 0 0 10px;
    display: flex;
    align-items: center;
    gap: 8px;
    flex-wrap: wrap;
}
.fin-sub-section h4 i { color: var(--fin-primary-light); }
.fin-selfie-note {
    font-size: 0.8em;
    font-weight: 600;
    color: var(--fin-muted);
    font-style: italic;
}

/* ================================================================
   15. SELFIE PREVIEW
   ================================================================ */
.fin-selfie-preview {
    background: #ffffff;
    border-radius: var(--fin-radius-sm);
    border: 2px solid var(--fin-border);
    padding: 20px;
    min-height: 140px;
    display: flex;
    align-items: center;
    justify-content: center;
}
.fin-selfie-placeholder {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 12px;
    text-align: center;
    color: var(--fin-muted);
}
.fin-selfie-icon {
    width: 56px;
    height: 56px;
    border-radius: 50%;
    background: var(--fin-surface-2);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.6rem;
    color: var(--fin-primary-light);
}
.fin-selfie-info strong {
    display: block;
    font-size: 0.85rem;
    color: var(--fin-text);
    margin-bottom: 2px;
}
.fin-selfie-info small {
    font-size: 0.7rem;
    color: var(--fin-muted);
}

/* ================================================================
   16. AMORTIZATION TABLE
   ================================================================ */
.fin-amort-table {
    width: 100%;
    border-collapse: collapse;
    font-size: clamp(0.7rem, 0.84vw, 0.84rem);
}
.fin-amort-table th {
    background: var(--fin-surface-2);
    padding: 10px 12px;
    text-align: left;
    font-weight: 700;
    color: var(--fin-text-2);
    border-bottom: 2px solid var(--fin-border);
    font-size: 0.72rem;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}
.fin-amort-table td {
    padding: 8px 12px;
    border-bottom: 1px solid var(--fin-border);
}
.fin-amort-table td input {
    width: 100%;
    padding: 6px 8px;
    border: 1px solid transparent;
    border-radius: 4px;
    font-family: inherit;
    font-size: 0.8rem;
    outline: none;
    min-height: 34px;
    background: transparent;
}
.fin-amort-table td input:focus {
    border-color: var(--fin-primary-light);
    background: rgba(43, 127, 184, 0.05);
}
.fin-total-label {
    font-weight: 800;
    color: var(--fin-primary);
    padding-top: 12px !important;
}
.fin-total-input { font-weight: 700; }

/* ================================================================
   17. CHECKBOX COLUMN + TEXT HELPERS
   ================================================================ */
.fin-checkbox-column {
    display: flex;
    flex-direction: column;
    gap: 8px;
    font-size: clamp(0.65rem, 0.78vw, 0.78rem);
    color: var(--fin-text-2);
}
.fin-checkbox-column label {
    display: flex;
    align-items: center;
    gap: 8px;
    cursor: pointer;
    font-weight: 600;
}
.fin-checkbox-column input[type="checkbox"] {
    width: 16px;
    height: 16px;
    min-height: 16px;
    min-width: 16px;
    accent-color: var(--fin-primary-light);
    cursor: pointer;
}
.fin-strong {
    font-weight: 800;
    font-size: clamp(0.65rem, 0.78vw, 0.78rem);
    color: var(--fin-primary);
    margin: 0;
}
.fin-muted {
    font-size: clamp(0.6rem, 0.72vw, 0.72rem);
    color: var(--fin-muted);
    margin: 0;
}
.fin-italic { font-style: italic; }

/* ================================================================
   18. FORM ACTIONS
   ================================================================ */
.fin-form-actions {
    display: flex;
    gap: 10px;
    margin-top: 20px;
    padding-top: 16px;
    border-top: 2px solid var(--fin-border);
    flex-wrap: wrap;
}
.fin-form-actions .financial-btn { flex: 1; min-width: 140px; }

/* ================================================================
   19. BADGE (loan type)
   ================================================================ */
.financial-badge {
    font-size: clamp(0.55rem, 0.7vw, 0.7rem);
    background: var(--fin-primary-light);
    color: #ffffff;
    padding: 3px 10px;
    border-radius: var(--fin-radius-pill);
    font-weight: 800;
    letter-spacing: 0.5px;
    text-transform: uppercase;
    margin-left: auto;
}

/* ================================================================
   20. FOOTER
   ================================================================ */
.financial-footer {
    padding: clamp(8px, 1.1vh, 12px) clamp(14px, 2vw, 24px);
    border-top: 1px solid var(--fin-border);
    background: var(--fin-surface-2);
    text-align: center;
    flex-shrink: 0;
}
.financial-footer-note {
    font-size: clamp(0.55rem, 0.7vw, 0.7rem);
    color: var(--fin-muted);
    display: inline-flex;
    align-items: center;
    gap: 6px;
    flex-wrap: wrap;
    justify-content: center;
}
.financial-footer-note i { color: var(--fin-primary-light); }

/* ================================================================
   21. INSTITUTIONS DIRECTORY
   ================================================================ */
.fin-inst-header {
    margin-bottom: 16px;
    padding: 14px 16px;
    background: linear-gradient(135deg, #eff6ff, #dbeafe);
    border-radius: var(--fin-radius-sm);
    border-left: 4px solid var(--fin-primary-light);
}
.fin-inst-header h3 {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: clamp(0.85rem, 1.05vw, 1rem);
    font-weight: 800;
    color: var(--fin-primary);
    margin: 0 0 6px;
}
.fin-inst-header h3 i { color: var(--fin-primary-light); }
.fin-inst-header p {
    font-size: clamp(0.65rem, 0.78vw, 0.78rem);
    color: var(--fin-text-2);
    margin: 0;
    line-height: 1.5;
}

.fin-inst-filters {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 16px;
}
.fin-inst-filter {
    padding: 7px 16px;
    border-radius: var(--fin-radius-pill);
    border: 2px solid var(--fin-border);
    background: #ffffff;
    color: var(--fin-text-2);
    font-family: inherit;
    font-weight: 700;
    font-size: clamp(0.62rem, 0.76vw, 0.76rem);
    cursor: pointer;
    transition: all 0.2s ease;
    min-height: 34px;
    -webkit-tap-highlight-color: transparent;
}
.fin-inst-filter:hover {
    border-color: var(--fin-primary-light);
    color: var(--fin-primary-light);
    transform: translateY(-1px);
}
.fin-inst-filter.active {
    background: var(--fin-primary-light);
    color: #ffffff;
    border-color: var(--fin-primary);
    box-shadow: 0 4px 10px rgba(43, 127, 184, 0.28);
}

.fin-inst-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
    gap: 14px;
}
.fin-inst-card {
    background: #ffffff;
    border: 2px solid var(--fin-border);
    border-radius: var(--fin-radius);
    padding: 16px;
    transition: all 0.25s ease;
    display: flex;
    flex-direction: column;
    gap: 10px;
    box-shadow: var(--fin-shadow);
}
.fin-inst-card:hover {
    transform: translateY(-3px);
    border-color: var(--fin-primary-light);
    box-shadow: var(--fin-shadow-md);
}
.fin-inst-card-header {
    display: flex;
    align-items: flex-start;
    gap: 12px;
}
.fin-inst-logo {
    width: 48px;
    height: 48px;
    border-radius: 10px;
    background: linear-gradient(135deg, var(--fin-primary), var(--fin-primary-light));
    color: #ffffff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.3rem;
    flex-shrink: 0;
}
.fin-inst-info { flex: 1; min-width: 0; }
.fin-inst-name {
    font-size: clamp(0.82rem, 0.98vw, 0.95rem);
    font-weight: 800;
    color: var(--fin-text);
    margin: 0 0 2px;
    line-height: 1.3;
}
.fin-inst-type {
    font-size: 0.62rem;
    font-weight: 800;
    color: var(--fin-primary-light);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}
.fin-inst-services {
    display: flex;
    flex-wrap: wrap;
    gap: 5px;
    margin-top: 4px;
}
.fin-inst-service-tag {
    font-size: 0.6rem;
    font-weight: 700;
    padding: 3px 9px;
    border-radius: var(--fin-radius-pill);
    background: var(--fin-surface-2);
    color: var(--fin-text-2);
    border: 1px solid var(--fin-border);
}
.fin-inst-meta {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 8px;
    padding-top: 10px;
    border-top: 1px solid var(--fin-border);
}
.fin-inst-meta-item {
    display: flex;
    flex-direction: column;
    gap: 2px;
    min-width: 0;
}
.fin-inst-meta-label {
    font-size: 0.55rem;
    font-weight: 800;
    color: var(--fin-muted);
    text-transform: uppercase;
    letter-spacing: 0.4px;
}
.fin-inst-meta-value {
    font-size: 0.78rem;
    font-weight: 800;
    color: var(--fin-primary);
    white-space: nowrap;
    overflow: hidden;
    text-overflow: ellipsis;
}
.fin-inst-contact {
    display: flex;
    gap: 10px;
    font-size: 0.62rem;
    color: var(--fin-muted);
    flex-wrap: wrap;
}
.fin-inst-contact i { color: var(--fin-primary-light); margin-right: 3px; }

.fin-inst-empty {
    display: none;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 12px;
    padding: 60px 20px;
    text-align: center;
    color: var(--fin-muted);
}
.fin-inst-empty.show { display: flex; }
.fin-inst-empty i { font-size: 3rem; opacity: 0.25; }
.fin-inst-empty p { font-size: 0.9rem; font-weight: 700; margin: 0; }

/* ================================================================
   22. SELFIE CAMERA MODAL
   ================================================================ */
.fin-camera-container {
    background: #ffffff;
    border-radius: var(--radius, 12px);
    border: 2px solid var(--color-border, #b0b8c0);
    width: 100%;
    max-width: 520px;
    max-height: 92vh;
    overflow-y: auto;
    padding: clamp(14px, 1.8vw, 22px);
    text-align: center;
    box-shadow: 0 30px 80px rgba(0, 0, 0, 0.5);
    animation: entSlideIn 0.3s ease;
}
.fin-camera-container h3 {
    font-size: clamp(0.95rem, 1.15vw, 1.1rem);
    font-weight: 800;
    color: var(--fin-primary);
    margin: 0 0 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
}
.fin-video-wrapper {
    position: relative;
    width: 100%;
    aspect-ratio: 4 / 3;
    background: #000;
    border-radius: var(--fin-radius-sm);
    overflow: hidden;
    margin-bottom: 14px;
}
.fin-video-wrapper video,
.fin-video-wrapper canvas {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
}
.fin-camera-actions {
    display: flex;
    gap: 8px;
    flex-wrap: wrap;
}
.fin-btn-capture,
.fin-btn-switch,
.fin-btn-cancel {
    flex: 1;
    padding: 12px 16px;
    border-radius: var(--fin-radius-sm);
    font-family: inherit;
    font-weight: 800;
    font-size: 0.82rem;
    cursor: pointer;
    transition: all 0.2s ease;
    min-height: 46px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
    border: 2px solid transparent;
}
.fin-btn-capture {
    background: var(--fin-primary);
    color: #fff;
    border-color: var(--fin-primary-dark);
}
.fin-btn-capture:hover { background: var(--fin-primary-light); }
.fin-btn-switch {
    background: var(--fin-surface-2);
    color: var(--fin-text-2);
    border-color: var(--fin-border);
}
.fin-btn-switch:hover { background: var(--fin-surface-3); color: var(--fin-text); }
.fin-btn-cancel {
    background: #fee2e2;
    color: #991b1b;
    border-color: #fca5a5;
}
.fin-btn-cancel:hover { background: #fecaca; }

/* ================================================================
   23. VIDEO CALL MODAL
   ================================================================ */
.fin-video-call-container {
    background: #ffffff;
    border-radius: var(--radius, 12px);
    border: 2px solid var(--color-border, #b0b8c0);
    width: 100%;
    max-width: 1100px;
    max-height: 92vh;
    display: grid;
    grid-template-columns: 1fr 320px;
    overflow: hidden;
    box-shadow: 0 30px 80px rgba(0, 0, 0, 0.5);
    animation: entSlideIn 0.3s ease;
}
.fin-video-main {
    display: flex;
    flex-direction: column;
    background: #0f172a;
}
.fin-video-main .fin-video-wrapper {
    aspect-ratio: 16 / 9;
    border-radius: 0;
    margin: 0;
}
.fin-remote-video {
    position: absolute;
    bottom: 14px;
    right: 14px;
    width: 120px;
    height: 90px;
    background: rgba(30, 91, 138, 0.9);
    border-radius: 8px;
    border: 2px solid rgba(255, 255, 255, 0.3);
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 2px;
    color: #ffffff;
    font-size: 1.4rem;
}
.fin-remote-name {
    font-size: 0.6rem;
    font-weight: 700;
}
.fin-remote-label {
    font-size: 0.5rem;
    color: #4ade80;
    font-weight: 700;
}
.fin-video-controls {
    display: flex;
    gap: 8px;
    padding: 12px;
    background: #0f172a;
    flex-wrap: wrap;
    justify-content: center;
}
.fin-btn-end-call,
.fin-btn-toggle-mic,
.fin-btn-toggle-cam,
.fin-btn-switch-call {
    padding: 10px 16px;
    border-radius: 8px;
    font-family: inherit;
    font-weight: 700;
    font-size: 0.76rem;
    cursor: pointer;
    transition: all 0.2s ease;
    min-height: 40px;
    border: 2px solid transparent;
    display: inline-flex;
    align-items: center;
    gap: 6px;
    color: #ffffff;
}
.fin-btn-end-call { background: #dc2626; }
.fin-btn-end-call:hover { background: #ef4444; }
.fin-btn-toggle-mic,
.fin-btn-toggle-cam,
.fin-btn-switch-call {
    background: rgba(255, 255, 255, 0.12);
    border-color: rgba(255, 255, 255, 0.2);
}
.fin-btn-toggle-mic:hover,
.fin-btn-toggle-cam:hover,
.fin-btn-switch-call:hover {
    background: rgba(255, 255, 255, 0.22);
}

.fin-chat-sidebar {
    display: flex;
    flex-direction: column;
    background: #ffffff;
    border-left: 1px solid var(--fin-border);
    min-height: 0;
}
.fin-chat-header {
    padding: 14px 18px;
    background: var(--fin-surface-2);
    border-bottom: 1px solid var(--fin-border);
    font-weight: 800;
    font-size: 0.85rem;
    color: var(--fin-primary);
    display: flex;
    align-items: center;
    gap: 8px;
}
.fin-status {
    margin-left: auto;
    font-size: 0.65rem;
    color: var(--fin-green);
    font-weight: 700;
    display: inline-flex;
    align-items: center;
    gap: 4px;
}
.fin-status i { font-size: 0.5rem; }
.fin-chat-messages {
    flex: 1;
    overflow-y: auto;
    padding: 14px;
    display: flex;
    flex-direction: column;
    gap: 10px;
    background: var(--fin-bg);
    min-height: 0;
}
.fin-msg {
    max-width: 85%;
    padding: 8px 12px;
    background: #ffffff;
    border-radius: 12px;
    border-bottom-left-radius: 4px;
    font-size: 0.78rem;
    color: var(--fin-text);
    line-height: 1.4;
    box-shadow: 0 1px 4px rgba(0, 0, 0, 0.06);
}
.fin-msg.fin-self {
    align-self: flex-end;
    background: var(--fin-primary-light);
    color: #ffffff;
    border-bottom-left-radius: 12px;
    border-bottom-right-radius: 4px;
}
.fin-msg-time {
    display: block;
    font-size: 0.6rem;
    opacity: 0.65;
    margin-top: 3px;
    text-align: right;
}
.fin-chat-input-area {
    display: flex;
    gap: 6px;
    padding: 12px;
    border-top: 1px solid var(--fin-border);
    background: #ffffff;
    flex-shrink: 0;
}
.fin-chat-input-area input {
    flex: 1;
    padding: 10px 12px;
    border: 2px solid var(--fin-border);
    border-radius: 8px;
    font-family: inherit;
    font-size: 0.78rem;
    outline: none;
    min-height: 40px;
}
.fin-chat-input-area input:focus { border-color: var(--fin-primary-light); }
.fin-chat-input-area button {
    width: 42px;
    height: 42px;
    border-radius: 8px;
    background: var(--fin-primary);
    color: #ffffff;
    border: none;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: background 0.2s ease;
}
.fin-chat-input-area button:hover { background: var(--fin-primary-light); }

/* ================================================================
   24. RESPONSIVE
   ================================================================ */

/* Small phones */
@media (max-width: 480px) {
    .financial-container { max-width: 100%; max-height: 96vh; }
    .financial-grid { grid-template-columns: 1fr; }
    .financial-left,
    .financial-right { gap: 14px; }
    .fin-form-grid-3 { grid-template-columns: 1fr; }
    .fin-form-grid-3 > :last-child { grid-column: auto; }
    .fin-form-grid-2 { grid-template-columns: 1fr; }
    .fin-form-actions { flex-direction: column; }
    .financial-search { flex: 1 1 100%; }
    .financial-icon-btn { width: 40px; height: 40px; }
    .financial-amount { font-size: 1.2rem; }
    .fin-inline-id { margin-left: 0; width: 100%; }
    .fin-id-input { width: 100%; }
    .fin-camera-actions { flex-direction: column; }
    .fin-video-controls { gap: 6px; }
    .fin-btn-end-call,
    .fin-btn-toggle-mic,
    .fin-btn-toggle-cam,
    .fin-btn-switch-call { font-size: 0.68rem; padding: 8px 10px; min-height: 36px; }
    .fin-inst-grid { grid-template-columns: 1fr; }
    .fin-about-grid { grid-template-columns: 1fr; }
    .financial-tab { min-width: 100px; font-size: 0.68rem; padding: 10px 12px; }
    .fin-inst-card { padding: 14px; }
    .fin-video-call-container { grid-template-columns: 1fr; max-width: 100%; }
    .fin-chat-sidebar {
        border-left: none;
        border-top: 1px solid var(--fin-border);
        max-height: 320px;
    }
    .fin-inst-meta { grid-template-columns: 1fr; }
}

/* Tablets */
@media (min-width: 481px) and (max-width: 768px) {
    .financial-grid { grid-template-columns: 1fr; }
    .fin-form-grid-3 { grid-template-columns: 1fr 1fr; }
    .fin-form-grid-3 > :last-child { grid-column: 1 / -1; }
    .fin-inst-grid { grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); }
    .fin-video-call-container { grid-template-columns: 1fr; max-width: 640px; }
    .fin-chat-sidebar {
        border-left: none;
        border-top: 1px solid var(--fin-border);
        max-height: 320px;
    }
}

/* Small laptops */
@media (min-width: 769px) and (max-width: 1024px) {
    .financial-grid { grid-template-columns: 1fr; }
    .financial-tab { min-width: 120px; }
    .fin-video-call-container { grid-template-columns: 1fr 280px; }
}

/* Standard desktops */
@media (min-width: 1025px) and (max-width: 1440px) {
    .financial-grid { grid-template-columns: 1fr 1.2fr; }
}

/* Large desktops */
@media (min-width: 1441px) {
    .financial-container { max-width: 1400px; }
    .financial-grid { grid-template-columns: 1fr 1.3fr; gap: 28px; }
    .fin-inst-grid { grid-template-columns: repeat(auto-fill, minmax(360px, 1fr)); }
    .financial-tab { font-size: 0.95rem; padding: 16px 24px; }
    .financial-card-title { font-size: 1.15rem; }
    .fin-inst-name { font-size: 1.05rem; }
    .fin-inst-meta-value { font-size: 0.88rem; }
}

/* Ultra-wide */
@media (min-width: 1921px) {
    .financial-container { max-width: 1600px; }
    .financial-grid { grid-template-columns: 1fr 1.4fr; gap: 32px; }
    .financial-card { padding: 28px; }
    .financial-card-title { font-size: 1.25rem; }
    .financial-service-item { padding: 16px 18px; }
    .financial-service-icon { width: 48px; height: 48px; font-size: 1.2rem; }
    .financial-service-text { font-size: 1rem; }
    .fin-inst-grid { grid-template-columns: repeat(auto-fill, minmax(400px, 1fr)); gap: 20px; }
    .fin-inst-logo { width: 56px; height: 56px; font-size: 1.5rem; }
    .fin-inst-name { font-size: 1.1rem; }
    .financial-tab { font-size: 1.05rem; padding: 20px 28px; }
}

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
    .financial-container,
    .fin-camera-container,
    .fin-video-call-container,
    .financial-service-item,
    .financial-btn,
    .fin-inst-card,
    .fin-inst-filter,
    .financial-tab {
        animation: none !important;
        transition: none !important;
        transform: none !important;
    }
}

/* Print */
@media print {
    .financial-modal,
    .fin-camera-modal,
    .fin-video-call-modal {
        display: none !important;
    }
}
/* ================================================================
   FINANCIAL HUB — layout refresh (grid services + T&C + form)
   ================================================================ */

/* ---- 62.1 Stacked sections ---- */
.fin-section {
    margin-bottom: 18px;
}
.fin-section:last-child {
    margin-bottom: 0;
}

/* The old 2-column .financial-grid is gone — force the panel to
   render as a single column even if an older rule still exists. */
.financial-content[data-panel="services"] .financial-grid {
    display: block;
}
.financial-content[data-panel="services"] {
    display: flex;
    flex-direction: column;
    gap: 18px;
}

/* ---- 62.2 Our Services — tile grid ---- */
.financial-service-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
    gap: 12px;
    margin-bottom: 16px;
}
.financial-service-grid .financial-service-item {
    flex-direction: column;
    align-items: flex-start;
    justify-content: flex-start;
    gap: 10px;
    padding: 16px;
    min-height: 108px;
    border-radius: 12px;
    background: #ffffff;
    border: 2px solid #e5e7eb;
    cursor: pointer;
    transition: transform 0.2s ease, border-color 0.2s ease, box-shadow 0.2s ease;
    position: relative;
}
.financial-service-grid .financial-service-item:hover {
    transform: translateY(-3px);
    border-color: var(--fin-primary, #1e5b8a);
    box-shadow: 0 10px 24px rgba(30, 91, 138, 0.15);
}
.financial-service-grid .financial-service-item.active {
    border-color: var(--fin-primary, #1e5b8a);
    background: #eff6ff;
    box-shadow: 0 0 0 3px rgba(30, 91, 138, 0.15);
}
.financial-service-grid .financial-service-item.active::after {
    content: '✓ Selected';
    position: absolute;
    top: 10px;
    right: 12px;
    font-size: 0.62rem;
    font-weight: 800;
    letter-spacing: 0.03em;
    color: var(--fin-primary, #1e5b8a);
    text-transform: uppercase;
}
.financial-service-grid .financial-service-icon {
    width: 42px;
    height: 42px;
    border-radius: 10px;
    background: linear-gradient(135deg, #e0f2fe, #dbeafe);
    color: var(--fin-primary, #1e5b8a);
    display: grid;
    place-items: center;
    font-size: 1.15rem;
    flex-shrink: 0;
}
.financial-service-grid .financial-service-text {
    font-size: 0.88rem;
    font-weight: 700;
    color: #0f172a;
    line-height: 1.3;
    display: flex;
    flex-direction: column;
    gap: 3px;
    width: 100%;
}
.financial-service-grid .financial-service-text small {
    font-size: 0.72rem;
    font-weight: 500;
    color: #64748b;
    line-height: 1.4;
}

/* ---- 62.3 Terms & Conditions accordion ---- */
.fin-terms-intro {
    font-size: 0.82rem;
    color: #64748b;
    margin: 0 0 14px;
    line-height: 1.55;
}
.fin-terms-list {
    display: flex;
    flex-direction: column;
    gap: 8px;
}
.fin-terms-item {
    border: 1px solid #e5e7eb;
    border-radius: 10px;
    background: #ffffff;
    overflow: hidden;
    transition: border-color 0.2s ease, box-shadow 0.2s ease;
}
.fin-terms-item[open] {
    border-color: var(--fin-primary, #1e5b8a);
    box-shadow: 0 4px 14px rgba(30, 91, 138, 0.10);
}
.fin-terms-item.highlight {
    animation: finTermsFlash 1.6s ease-out;
}
@keyframes finTermsFlash {
    0%   { box-shadow: 0 0 0 0 rgba(30, 91, 138, 0.55); }
    40%  { box-shadow: 0 0 0 8px rgba(30, 91, 138, 0.20); }
    100% { box-shadow: 0 0 0 0 rgba(30, 91, 138, 0); }
}
.fin-terms-item summary {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 12px 16px;
    cursor: pointer;
    font-size: 0.88rem;
    font-weight: 700;
    color: #0f172a;
    background: #f8fafc;
    list-style: none;
    user-select: none;
    transition: background 0.2s ease;
}
.fin-terms-item summary::-webkit-details-marker { display: none; }
.fin-terms-item summary i {
    color: var(--fin-primary, #1e5b8a);
    font-size: 0.95rem;
    flex-shrink: 0;
}
.fin-terms-item summary::after {
    content: '▾';
    margin-left: auto;
    font-size: 0.85rem;
    color: #64748b;
    transition: transform 0.25s ease;
}
.fin-terms-item[open] summary {
    background: #eff6ff;
    color: var(--fin-primary, #1e5b8a);
}
.fin-terms-item[open] summary::after {
    transform: rotate(180deg);
    color: var(--fin-primary, #1e5b8a);
}
.fin-terms-item ul {
    margin: 0;
    padding: 14px 18px 16px 36px;
    background: #ffffff;
}
.fin-terms-item ul li {
    font-size: 0.82rem;
    line-height: 1.6;
    color: #475569;
    margin-bottom: 6px;
}
.fin-terms-item ul li:last-child {
    margin-bottom: 0;
}
.fin-terms-item ul li strong {
    color: #0f172a;
    font-weight: 700;
}

/* ---- 62.4 Mobile ---- */
@media (max-width: 640px) {
    .financial-service-grid {
        grid-template-columns: repeat(auto-fill, minmax(140px, 1fr));
        gap: 10px;
    }
    .financial-service-grid .financial-service-item {
        padding: 12px;
        min-height: 96px;
    }
    .financial-service-grid .financial-service-icon {
        width: 36px;
        height: 36px;
        font-size: 1rem;
    }
    .financial-service-grid .financial-service-text {
        font-size: 0.8rem;
    }
    .fin-terms-item summary {
        padding: 10px 14px;
        font-size: 0.8rem;
    }
    .fin-terms-item ul {
        padding: 12px 14px 14px 30px;
    }
    .fin-terms-item ul li {
        font-size: 0.76rem;
    }
}