/* ========== Points Category Cards ========== */
.points-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
  margin: 2rem 0;
}
@media (min-width: 768px) {
  .points-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}
.points-category {
  background: var(--charcoal-700, #2d2d2d);
  border-radius: 12px;
  padding: 1.5rem;
  border-left: 4px solid var(--gold);
  border-top: 1px solid rgba(255, 255, 255, 0.06);
  border-right: 1px solid rgba(255, 255, 255, 0.06);
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
}
.points-category__header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 1rem;
}
.points-category__title {
  font-family: "Outfit", sans-serif;
  font-weight: 600;
  font-size: 1.1rem;
  color: #fff;
}
.points-category__max {
  font-family: "JetBrains Mono", monospace;
  font-size: 0.9rem;
  color: var(--gold);
  background: rgba(212, 168, 75, 0.25);
  padding: 0.25rem 0.75rem;
  border-radius: 20px;
  white-space: nowrap;
}
.points-category__list {
  list-style: none;
  padding: 0;
  margin: 0;
}
.points-category__list li {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  padding: 0.4rem 0;
  font-size: 0.9rem;
  line-height: 1.5;
  color: rgba(255, 255, 255, 0.75);
}
.points-category__list li::before {
  content: "";
  display: inline-block;
  width: 16px;
  height: 16px;
  min-width: 16px;
  margin-top: 3px;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23d4a84b' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'%3E%3C/polyline%3E%3C/svg%3E")
    no-repeat center;
  background-size: contain;
}
.points-category__helio {
  margin-top: 1rem;
  padding-top: 0.75rem;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.7);
  line-height: 1.5;
}
.points-category__helio strong {
  color: var(--gold);
}

/* ========== Benefit Tiers Table ========== */
.tier-table {
  width: 100%;
  overflow-x: auto;
  margin: 2rem 0;
  border-radius: 12px;
  border: 1px solid rgba(212, 168, 75, 0.2);
}
.tier-table table {
  width: 100%;
  border-collapse: collapse;
  min-width: 600px;
}
.tier-table th {
  background: var(--charcoal-700, #2d2d2d);
  color: rgba(255, 255, 255, 0.85);
  font-family: "Outfit", sans-serif;
  font-weight: 600;
  padding: 1rem 1.25rem;
  text-align: left;
  font-size: 0.9rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.tier-table th:first-child {
  border-radius: 12px 0 0 0;
}
.tier-table th:last-child {
  border-radius: 0 12px 0 0;
}
.tier-table th.tier-highlight {
  background: linear-gradient(
    135deg,
    rgba(212, 168, 75, 0.25),
    rgba(212, 168, 75, 0.1)
  ), var(--charcoal-700, #2d2d2d);
  color: var(--gold);
}
.tier-table td {
  padding: 0.875rem 1.25rem;
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.85);
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
}
.tier-table tr:nth-child(odd) td {
  background: var(--charcoal-700, #2d2d2d);
}
.tier-table tr:nth-child(even) td {
  background: var(--charcoal-800, #1f1f1f);
}
.tier-table tr:last-child td:first-child {
  border-radius: 0 0 0 12px;
}
.tier-table tr:last-child td:last-child {
  border-radius: 0 0 12px 0;
}
.tier-table td:first-child {
  font-weight: 500;
  color: rgba(255, 255, 255, 0.7);
  font-family: "Outfit", sans-serif;
}
.tier-table td.tier-highlight {
  color: #fff;
  font-weight: 600;
}
.tier-table tr:nth-child(odd) td.tier-highlight {
  background: linear-gradient(rgba(212, 168, 75, 0.12), rgba(212, 168, 75, 0.12)), var(--charcoal-700, #2d2d2d);
}
.tier-table tr:nth-child(even) td.tier-highlight {
  background: linear-gradient(rgba(212, 168, 75, 0.08), rgba(212, 168, 75, 0.08)), var(--charcoal-800, #1f1f1f);
}
.tier-table td .mono {
  font-family: "JetBrains Mono", monospace;
}

/* ========== Comparison Panel ========== */
.comparison-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
  margin: 2rem 0;
}
@media (min-width: 768px) {
  .comparison-grid {
    grid-template-columns: 1fr 1fr;
  }
}
.comparison-panel {
  border-radius: 16px;
  padding: 2rem;
  border: 1px solid rgba(255, 255, 255, 0.08);
}
.comparison-panel--conventional {
  background: var(--charcoal-700, #2d2d2d);
}
.comparison-panel--mli {
  background: linear-gradient(
    135deg,
    rgba(212, 168, 75, 0.12),
    rgba(212, 168, 75, 0.04)
  );
  border-color: rgba(212, 168, 75, 0.3);
}
.comparison-panel__label {
  display: inline-block;
  font-family: "Outfit", sans-serif;
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  padding: 0.25rem 0.75rem;
  border-radius: 20px;
  margin-bottom: 1rem;
}
.comparison-panel--conventional .comparison-panel__label {
  background: rgba(255, 255, 255, 0.1);
  color: rgba(255, 255, 255, 0.7);
}
.comparison-panel--mli .comparison-panel__label {
  background: rgba(212, 168, 75, 0.2);
  color: var(--gold);
}
.comparison-panel__title {
  font-family: "Outfit", sans-serif;
  font-weight: 700;
  font-size: 1.25rem;
  color: #fff;
  margin-bottom: 1.5rem;
}
.comparison-panel__rows {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}
.comparison-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.5rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
}
.comparison-row:last-child {
  border-bottom: none;
}
.comparison-row__label {
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.7);
}
.comparison-row__value {
  font-family: "JetBrains Mono", monospace;
  font-size: 0.95rem;
  font-weight: 500;
  color: #fff;
}
.comparison-panel--mli .comparison-row__value {
  color: var(--gold);
}
.comparison-panel__result {
  margin-top: 1.5rem;
  padding-top: 1rem;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  text-align: center;
}
.comparison-panel__result-label {
  display: block;
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.65);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 0.25rem;
  font-family: "Outfit", sans-serif;
}
.comparison-panel__result-value {
  font-family: "JetBrains Mono", monospace;
  font-size: 1.75rem;
  font-weight: 500;
}
.comparison-panel--conventional .comparison-panel__result-value {
  color: #fff;
}
.comparison-panel--mli .comparison-panel__result-value {
  color: var(--gold);
}

/* ========== Surcharge Note Callout ========== */
.surcharge-note {
  background: var(--charcoal-800, #1f1f1f);
  border: 1px dashed rgba(212, 168, 75, 0.4);
  border-radius: 12px;
  padding: 1.5rem 2rem;
  margin: 2rem 0;
}
.surcharge-note__title {
  font-family: "Outfit", sans-serif;
  font-weight: 600;
  font-size: 1rem;
  color: var(--gold);
  margin-bottom: 0.75rem;
}
.surcharge-note__text {
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.7);
  line-height: 1.6;
}
.surcharge-note__text strong {
  color: #fff;
}

/* ========== Qualify Cards ========== */
.qualify-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.25rem;
  margin: 2rem 0;
}
@media (min-width: 768px) {
  .qualify-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}
@media (min-width: 1024px) {
  .qualify-grid {
    grid-template-columns: repeat(4, 1fr);
  }
  .qualify-grid--five {
    grid-template-columns: repeat(3, 1fr);
  }
}
@media (min-width: 1280px) {
  .qualify-grid--five {
    grid-template-columns: repeat(5, 1fr);
  }
}
.qualify-card {
  background: var(--charcoal-700, #2d2d2d);
  border-radius: 12px;
  padding: 1.5rem;
  border: 1px solid rgba(255, 255, 255, 0.06);
}
.qualify-card__icon {
  width: 44px;
  height: 44px;
  background: rgba(212, 168, 75, 0.15);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
}
.qualify-card__icon svg {
  width: 22px;
  height: 22px;
  stroke: var(--gold);
}
.qualify-card__title {
  font-family: "Outfit", sans-serif;
  font-weight: 600;
  font-size: 1rem;
  color: #fff;
  margin-bottom: 0.5rem;
}
.qualify-card__text {
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.65);
  line-height: 1.5;
}

/* ========== Sidebar Card (reused from fourplex-cost) ========== */
.sidebar-card {
  background: var(--charcoal-700, #2d2d2d);
  border-radius: 12px;
  padding: 1.5rem;
  border: 1px solid rgba(255, 255, 255, 0.08);
}
.sidebar-card__title {
  font-family: "Outfit", sans-serif;
  font-weight: 600;
  font-size: 1rem;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 1rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

/* ========== Explainer Grid (What Is MLI Select) ========== */
.explainer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
  margin-top: 2rem;
}
@media (min-width: 768px) {
  .explainer-grid {
    grid-template-columns: 2fr 1fr;
  }
}

/* ========== Includes / Excludes Lists ========== */
.includes-list,
.excludes-list {
  list-style: none;
  padding: 0;
  margin: 0;
}
.includes-list li,
.excludes-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  padding: 0.5rem 0;
  font-size: 0.95rem;
  line-height: 1.5;
  color: rgba(255, 255, 255, 0.85);
}
.includes-list li::before {
  content: "";
  display: inline-block;
  width: 20px;
  height: 20px;
  min-width: 20px;
  margin-top: 2px;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23d4a84b' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'%3E%3C/polyline%3E%3C/svg%3E")
    no-repeat center;
  background-size: contain;
}
.excludes-list li::before {
  content: "";
  display: inline-block;
  width: 20px;
  height: 20px;
  min-width: 20px;
  margin-top: 2px;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23999' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cline x1='18' y1='6' x2='6' y2='18'%3E%3C/line%3E%3Cline x1='6' y1='6' x2='18' y2='18'%3E%3C/line%3E%3C/svg%3E")
    no-repeat center;
  background-size: contain;
}

/* ========== Finance Highlight (reused from fourplex-cost) ========== */
.finance-highlight {
  background: linear-gradient(
    135deg,
    var(--charcoal-700, #2d2d2d),
    var(--charcoal-800, #1f1f1f)
  );
  border-radius: 16px;
  padding: 2rem;
  border: 1px solid rgba(212, 168, 75, 0.25);
  margin: 2rem 0;
}
.finance-highlight__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}
@media (min-width: 768px) {
  .finance-highlight__grid {
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
  }
}
.finance-stat {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
}
.finance-stat__icon {
  width: 40px;
  height: 40px;
  min-width: 40px;
  background: rgba(212, 168, 75, 0.15);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.finance-stat__icon svg {
  width: 20px;
  height: 20px;
  stroke: var(--gold);
}
.finance-stat__title {
  font-family: "Outfit", sans-serif;
  font-weight: 600;
  font-size: 1rem;
  color: #fff;
  margin-bottom: 0.25rem;
}
.finance-stat__text {
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.65);
  line-height: 1.5;
}
.finance-example {
  background: var(--charcoal-800, #1f1f1f);
  border-radius: 12px;
  padding: 1.5rem 2rem;
  margin-top: 1.5rem;
  border: 1px solid rgba(212, 168, 75, 0.2);
}
.finance-example__text {
  font-size: 0.95rem;
  color: rgba(255, 255, 255, 0.7);
  line-height: 1.6;
}
.finance-example__text strong {
  color: var(--gold);
  font-family: "JetBrains Mono", monospace;
}

/* ========== Data Table (reused from fourplex-cost) ========== */
.data-table {
  width: 100%;
  overflow-x: auto;
  margin: 2rem 0;
  border-radius: 12px;
  border: 1px solid rgba(212, 168, 75, 0.2);
}
.data-table table {
  width: 100%;
  border-collapse: collapse;
  min-width: 500px;
}
.data-table th {
  background: var(--gold);
  color: var(--charcoal-900, #141414);
  font-family: "Outfit", sans-serif;
  font-weight: 600;
  padding: 1rem 1.25rem;
  text-align: left;
  font-size: 0.95rem;
}
.data-table th:first-child {
  border-radius: 12px 0 0 0;
}
.data-table th:last-child {
  border-radius: 0 12px 0 0;
}
.data-table td {
  padding: 0.875rem 1.25rem;
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.85);
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
}
.data-table tr:nth-child(odd) td {
  background: var(--charcoal-700, #2d2d2d);
}
.data-table tr:nth-child(even) td {
  background: var(--charcoal-800, #1f1f1f);
}
.data-table tr:last-child td:first-child {
  border-radius: 0 0 0 12px;
}
.data-table tr:last-child td:last-child {
  border-radius: 0 0 12px 0;
}
.data-table td:first-child {
  font-weight: 500;
  color: rgba(255, 255, 255, 0.7);
  font-family: "Outfit", sans-serif;
}
.data-table .highlight-row td {
  background: rgba(212, 168, 75, 0.12);
  color: #fff;
  font-weight: 600;
}
.data-table .highlight-row td:first-child {
  color: var(--gold);
}

/* ========== Journey Steps (Section 4) ========== */
.journey-steps {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
  margin: 2rem 0;
}
@media (min-width: 768px) {
  .journey-steps {
    grid-template-columns: repeat(2, 1fr);
  }
}
@media (min-width: 1024px) {
  .journey-steps {
    grid-template-columns: repeat(4, 1fr);
  }
}
.journey-step {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 0.75rem;
}
.journey-step__number {
  width: 40px;
  height: 40px;
  min-width: 40px;
  border-radius: 50%;
  background: rgba(212, 168, 75, 0.15);
  border: 2px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: "JetBrains Mono", monospace;
  font-weight: 500;
  font-size: 1rem;
  color: var(--gold);
}
.journey-step__title {
  font-family: "Outfit", sans-serif;
  font-weight: 600;
  font-size: 1rem;
  color: #fff;
}
.journey-step__text {
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.65);
  line-height: 1.5;
}