/* Debt-to-Income Calculator Specific Styles */

.page-header {
    text-align: center;
    margin-bottom: var(--spacing-xl);
    padding: var(--spacing-lg) 0;
    background: #f8fafc;
    border-bottom: 1px solid var(--border-color);
}

.page-title {
    font-size: 2.5rem;
    font-weight: 700;
    margin-bottom: var(--spacing-sm);
    color: var(--text-primary);
}

.page-description {
    font-size: 1.125rem;
    color: var(--text-secondary);
    max-width: 600px;
    margin: 0 auto;
    line-height: 1.6;
}

/* DTI Ranges Section */
.dti-ranges {
    margin-bottom: var(--spacing-xl);
}

.ranges-container {
    background: linear-gradient(135deg, #dc2626, #ef4444);
    color: white;
    padding: var(--spacing-xl);
    border-radius: var(--border-radius);
    box-shadow: 0 4px 8px var(--shadow);
}

.ranges-container h2 {
    text-align: center;
    font-size: 1.75rem;
    font-weight: 600;
    margin-bottom: var(--spacing-lg);
}

.ranges-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: var(--spacing-md);
}

.range-card {
    background: rgba(255, 255, 255, 0.1);
    border: 1px solid rgba(255, 255, 255, 0.2);
    border-radius: var(--border-radius);
    padding: var(--spacing-lg);
    transition: all 0.3s ease;
    backdrop-filter: blur(10px);
}

.range-card:hover {
    background: rgba(255, 255, 255, 0.15);
    transform: translateY(-2px);
}

.range-card.excellent {
    background: rgba(16, 185, 129, 0.2);
    border-color: rgba(16, 185, 129, 0.3);
}

.range-card.good {
    background: rgba(59, 130, 246, 0.2);
    border-color: rgba(59, 130, 246, 0.3);
}

.range-card.fair {
    background: rgba(245, 158, 11, 0.2);
    border-color: rgba(245, 158, 11, 0.3);
}

.range-card.poor {
    background: rgba(239, 68, 68, 0.2);
    border-color: rgba(239, 68, 68, 0.3);
}

.range-card h3 {
    font-size: 1.125rem;
    font-weight: 600;
    margin-bottom: var(--spacing-sm);
    text-align: center;
    color: #ffffff;
}

.range-percentage {
    font-size: 1.5rem;
    font-weight: 700;
    text-align: center;
    margin-bottom: var(--spacing-md);
    color: #ffffff;
}

.range-description p {
    font-size: 1rem;
    font-weight: 500;
    margin-bottom: var(--spacing-sm);
    text-align: center;
    color: #f1f5f9;
}

.range-description ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.range-description li {
    font-size: 0.875rem;
    color: #e2e8f0;
    margin-bottom: var(--spacing-xs);
    padding-left: var(--spacing-sm);
    position: relative;
}

.range-description li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: #ffffff;
    font-weight: bold;
}

/* Calculator Section */
.calculator-section {
    margin-bottom: var(--spacing-xl);
}

.calculator-container {
    padding: var(--spacing-xl);
    margin-bottom: var(--spacing-lg);
    border-radius: var(--border-radius);
    background: var(--card-bg);
    border: 1px solid var(--border-color);
    box-shadow: 0 4px 8px var(--shadow);
}

.calculator-header {
    text-align: center;
    margin-bottom: var(--spacing-lg);
}

.calculator-header h2 {
    font-size: 1.75rem;
    font-weight: 600;
    margin-bottom: var(--spacing-xs);
    color: var(--text-primary);
}

.calculator-header p {
    color: var(--text-secondary);
    font-size: 1rem;
}

/* Form Styles */
.calculator-form {
    max-width: 900px;
    margin: 0 auto;
}

.form-section {
    margin-bottom: var(--spacing-lg);
    padding-bottom: var(--spacing-lg);
    border-bottom: 1px solid var(--border-color);
}

.form-section:last-of-type {
    border-bottom: none;
    margin-bottom: var(--spacing-xl);
}

.form-section h3 {
    font-size: 1.25rem;
    font-weight: 600;
    margin-bottom: var(--spacing-md);
    color: var(--text-primary);
    display: flex;
    align-items: center;
    gap: var(--spacing-xs);
}

.form-section h3::before {
    content: '';
    width: 4px;
    height: 20px;
    background: var(--primary-color);
    border-radius: 2px;
}

.income-info,
.debt-info,
.additional-info {
    background: #f0f9ff;
    border: 1px solid #0ea5e9;
    border-radius: var(--border-radius);
    padding: var(--spacing-md);
    margin-bottom: var(--spacing-md);
}

.income-info p,
.debt-info p,
.additional-info p {
    margin: 0;
    color: #0c4a6e;
    font-size: 0.875rem;
    font-weight: 500;
}

.form-row {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: var(--spacing-md);
}

.form-group {
    display: flex;
    flex-direction: column;
}

.form-group label {
    font-weight: 500;
    margin-bottom: var(--spacing-xs);
    color: var(--text-primary);
    font-size: 0.875rem;
}

.form-group small {
    margin-top: var(--spacing-xs);
    color: var(--text-secondary);
    font-size: 0.75rem;
    line-height: 1.4;
}

.input-group {
    position: relative;
    display: flex;
    align-items: center;
}

.input-prefix {
    position: absolute;
    left: 12px;
    color: var(--text-secondary);
    font-weight: 500;
    z-index: 1;
}

.input-group .form-input {
    padding-left: 32px;
}

.form-input {
    background: var(--card-bg);
    border: 1px solid var(--border-color);
    border-radius: var(--border-radius);
    padding: 12px 16px;
    color: var(--text-primary);
    font-size: 16px;
    width: 100%;
    transition: all 0.2s ease;
}

.form-input::placeholder {
    color: var(--text-muted);
}

.form-input:focus {
    outline: none;
    border-color: var(--primary-color);
    box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.1);
}

.calculate-btn {
    width: 100%;
    max-width: 300px;
    margin: 0 auto;
    display: block;
    padding: var(--spacing-sm) var(--spacing-lg);
    font-size: 1.125rem;
    font-weight: 600;
}

/* Results Section */
.dti-results {
    margin-top: var(--spacing-lg);
}

.results-container {
    background: var(--card-bg);
    padding: var(--spacing-xl);
    border-radius: var(--border-radius);
    border: 1px solid var(--border-color);
    box-shadow: 0 4px 8px var(--shadow);
}

.results-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: var(--spacing-lg);
    flex-wrap: wrap;
    gap: var(--spacing-sm);
}

.results-header h2 {
    font-size: 1.75rem;
    font-weight: 600;
    color: var(--text-primary);
}

.result-actions {
    display: flex;
    gap: var(--spacing-sm);
    flex-wrap: wrap;
}

/* DTI Overview */
.dti-overview {
    margin-bottom: var(--spacing-xl);
}

.overview-cards {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: var(--spacing-md);
}

.overview-card {
    padding: var(--spacing-lg);
    border-radius: var(--border-radius);
    border: 1px solid var(--border-color);
    background: var(--card-bg);
    box-shadow: 0 2px 4px var(--shadow);
    transition: all 0.3s ease;
}

.overview-card:hover {
    transform: translateY(-2px);
    box-shadow: 0 4px 8px var(--shadow-lg);
}

.overview-card.income {
    border-left: 4px solid #3b82f6;
}

.overview-card.debt {
    border-left: 4px solid #ef4444;
}

.overview-card.dti.highlight {
    background: linear-gradient(135deg, rgba(239, 68, 68, 0.05), rgba(239, 68, 68, 0.1));
    border-color: #ef4444;
    border-left: 4px solid #ef4444;
}

.overview-card.front-end {
    border-left: 4px solid #f59e0b;
}

.overview-card h3 {
    font-size: 1rem;
    font-weight: 600;
    color: var(--text-secondary);
    margin-bottom: var(--spacing-sm);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.card-amount {
    font-size: 1.75rem;
    font-weight: 700;
    color: var(--text-primary);
    margin-bottom: var(--spacing-md);
}

.overview-card.dti.highlight .card-amount {
    color: #ef4444;
}

.card-details {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-xs);
}

.detail-item {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: var(--spacing-xs);
    background: #f8fafc;
    border-radius: 4px;
    font-size: 0.875rem;
}

.detail-item span:first-child {
    color: var(--text-secondary);
    font-weight: 500;
}

.detail-item span:last-child {
    color: var(--text-primary);
    font-weight: 600;
}

/* DTI Visualization */
.dti-visualization {
    margin-bottom: var(--spacing-xl);
}

.dti-visualization h3 {
    font-size: 1.25rem;
    font-weight: 600;
    margin-bottom: var(--spacing-md);
    color: var(--text-primary);
    border-bottom: 2px solid var(--primary-color);
    padding-bottom: var(--spacing-xs);
}

.dti-chart {
    background: #f8fafc;
    border-radius: var(--border-radius);
    padding: var(--spacing-lg);
    border: 1px solid var(--border-color);
}

.chart-container {
    display: flex;
    gap: var(--spacing-xl);
    align-items: center;
    justify-content: center;
    flex-wrap: wrap;
}

.dti-bar-chart {
    flex: 1;
    min-width: 300px;
}

.income-bar,
.debt-bar {
    margin-bottom: var(--spacing-md);
}

.debt-bar:last-child {
    margin-bottom: 0;
}

.bar-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: var(--spacing-xs);
}

.bar-title {
    font-size: 1rem;
    font-weight: 600;
    color: var(--text-primary);
}

.bar-amount {
    font-size: 1.125rem;
    font-weight: 700;
    color: var(--text-primary);
}

.bar-visual {
    display: flex;
    height: 40px;
    border-radius: var(--border-radius);
    overflow: hidden;
    box-shadow: 0 2px 4px var(--shadow);
}

.bar-segment {
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-weight: 600;
    font-size: 0.875rem;
    text-align: center;
    transition: all 0.3s ease;
}

.bar-segment:hover {
    transform: scale(1.02);
    z-index: 1;
}

.bar-segment.income-segment {
    background: linear-gradient(135deg, #3b82f6, #1d4ed8);
}

.bar-segment.housing-segment {
    background: linear-gradient(135deg, #ef4444, #dc2626);
}

.bar-segment.other-debt-segment {
    background: linear-gradient(135deg, #f59e0b, #d97706);
}

.bar-segment.available-segment {
    background: linear-gradient(135deg, #10b981, #059669);
}

/* DTI Gauge */
.dti-gauge {
    flex: 0 0 250px;
    display: flex;
    flex-direction: column;
    align-items: center;
}

.gauge-container {
    position: relative;
    width: 200px;
    height: 100px;
    margin-bottom: var(--spacing-md);
}

.gauge-arc {
    width: 200px;
    height: 100px;
    border-radius: 100px 100px 0 0;
    background: conic-gradient(
        from 180deg,
        #10b981 0deg 72deg,
        #3b82f6 72deg 129.6deg,
        #f59e0b 129.6deg 154.8deg,
        #ef4444 154.8deg 180deg
    );
    position: relative;
    overflow: hidden;
}

.gauge-arc::after {
    content: '';
    position: absolute;
    top: 20px;
    left: 20px;
    width: 160px;
    height: 80px;
    background: #f8fafc;
    border-radius: 80px 80px 0 0;
}

.gauge-needle {
    position: absolute;
    bottom: 0;
    left: 50%;
    width: 2px;
    height: 80px;
    background: #1f2937;
    transform-origin: bottom center;
    transform: translateX(-50%) rotate(0deg);
    transition: transform 0.5s ease;
    z-index: 10;
}

.gauge-needle::after {
    content: '';
    position: absolute;
    bottom: -5px;
    left: -3px;
    width: 8px;
    height: 8px;
    background: #1f2937;
    border-radius: 50%;
}

.gauge-center {
    position: absolute;
    bottom: 10px;
    left: 50%;
    transform: translateX(-50%);
    text-align: center;
    z-index: 10;
}

.gauge-value {
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--text-primary);
}

.gauge-label {
    font-size: 0.75rem;
    color: var(--text-secondary);
    font-weight: 500;
}

.gauge-legend {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: var(--spacing-xs);
    width: 100%;
}

.legend-item {
    display: flex;
    align-items: center;
    gap: var(--spacing-xs);
    font-size: 0.75rem;
}

.legend-color {
    width: 12px;
    height: 12px;
    border-radius: 2px;
}

.legend-item.excellent .legend-color {
    background: #10b981;
}

.legend-item.good .legend-color {
    background: #3b82f6;
}

.legend-item.fair .legend-color {
    background: #f59e0b;
}

.legend-item.poor .legend-color {
    background: #ef4444;
}

/* Detailed Breakdown */
.detailed-breakdown {
    margin-bottom: var(--spacing-xl);
}

.detailed-breakdown h3 {
    font-size: 1.25rem;
    font-weight: 600;
    margin-bottom: var(--spacing-md);
    color: var(--text-primary);
    border-bottom: 2px solid var(--primary-color);
    padding-bottom: var(--spacing-xs);
}

.breakdown-table {
    background: var(--card-bg);
    border-radius: var(--border-radius);
    overflow: hidden;
    border: 1px solid var(--border-color);
}

.table-header {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: var(--spacing-sm);
    padding: var(--spacing-sm);
    background: var(--primary-color);
    color: white;
    font-weight: 600;
    font-size: 0.875rem;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.table-row {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: var(--spacing-sm);
    padding: var(--spacing-sm);
    align-items: center;
    border-bottom: 1px solid var(--border-color);
    font-size: 0.875rem;
}

.table-row:last-child {
    border-bottom: none;
}

.table-row.total-row {
    background: rgba(239, 68, 68, 0.05);
    font-weight: 600;
    color: #dc2626;
}

.debt-label {
    font-weight: 600;
    color: var(--text-primary);
}

.table-row span:not(.debt-label) {
    text-align: right;
    color: var(--text-secondary);
    font-weight: 500;
}

/* Loan Qualification */
.loan-qualification {
    margin-bottom: var(--spacing-xl);
}

.loan-qualification h3 {
    font-size: 1.25rem;
    font-weight: 600;
    margin-bottom: var(--spacing-md);
    color: var(--text-primary);
    border-bottom: 2px solid var(--primary-color);
    padding-bottom: var(--spacing-xs);
}

.qualification-content {
    background: #f8fafc;
    border-radius: var(--border-radius);
    padding: var(--spacing-lg);
    border: 1px solid var(--border-color);
}

.qualification-item {
    margin-bottom: var(--spacing-md);
    padding: var(--spacing-sm);
    background: var(--card-bg);
    border-radius: var(--border-radius);
    border-left: 4px solid var(--primary-color);
}

.qualification-item:last-child {
    margin-bottom: 0;
}

.qualification-item.excellent {
    border-left-color: #10b981;
    background: #d1fae5;
}

.qualification-item.good {
    border-left-color: #3b82f6;
    background: #dbeafe;
}

.qualification-item.fair {
    border-left-color: #f59e0b;
    background: #fef3cd;
}

.qualification-item.poor {
    border-left-color: #ef4444;
    background: #fee2e2;
}

.qualification-title {
    font-weight: 600;
    color: var(--text-primary);
    margin-bottom: var(--spacing-xs);
}

.qualification-text {
    color: var(--text-secondary);
    line-height: 1.5;
    font-size: 0.875rem;
}

/* DTI Recommendations */
.dti-recommendations h3 {
    font-size: 1.25rem;
    font-weight: 600;
    margin-bottom: var(--spacing-md);
    color: var(--text-primary);
    border-bottom: 2px solid var(--primary-color);
    padding-bottom: var(--spacing-xs);
}

.recommendations-content {
    background: #f8fafc;
    border-radius: var(--border-radius);
    padding: var(--spacing-lg);
    border: 1px solid var(--border-color);
}

.recommendation-item {
    margin-bottom: var(--spacing-md);
    padding: var(--spacing-sm);
    background: var(--card-bg);
    border-radius: var(--border-radius);
    border-left: 4px solid var(--primary-color);
}

.recommendation-item:last-child {
    margin-bottom: 0;
}

.recommendation-item.excellent {
    border-left-color: #10b981;
    background: #d1fae5;
}

.recommendation-item.good {
    border-left-color: #3b82f6;
    background: #dbeafe;
}

.recommendation-item.warning {
    border-left-color: #f59e0b;
    background: #fef3cd;
}

.recommendation-item.critical {
    border-left-color: #ef4444;
    background: #fee2e2;
}

.recommendation-title {
    font-weight: 600;
    color: var(--text-primary);
    margin-bottom: var(--spacing-xs);
}

.recommendation-text {
    color: var(--text-secondary);
    line-height: 1.5;
    font-size: 0.875rem;
}

/* Responsive Design */
@media (max-width: 768px) {
    .page-title {
        font-size: 2rem;
    }
    
    .ranges-grid {
        grid-template-columns: 1fr;
    }
    
    .calculator-container,
    .results-container {
        padding: var(--spacing-lg);
    }
    
    .form-row {
        grid-template-columns: 1fr;
    }
    
    .overview-cards {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .results-header {
        flex-direction: column;
        text-align: center;
    }
    
    .result-actions {
        justify-content: center;
    }
    
    .chart-container {
        flex-direction: column;
        gap: var(--spacing-md);
    }
    
    .dti-gauge {
        flex: none;
    }
    
    .table-header,
    .table-row {
        grid-template-columns: 1fr;
        gap: var(--spacing-xs);
        text-align: center;
    }
    
    .table-row span:not(.debt-label) {
        text-align: center;
    }
}

@media (max-width: 480px) {
    .overview-cards {
        grid-template-columns: 1fr;
    }
    
    .result-actions {
        flex-direction: column;
        width: 100%;
    }
    
    .result-actions .btn {
        width: 100%;
    }
    
    .card-amount {
        font-size: 1.5rem;
    }
    
    .detail-item {
        flex-direction: column;
        gap: var(--spacing-xs);
        text-align: center;
    }
    
    .gauge-container {
        width: 150px;
        height: 75px;
    }
    
    .gauge-arc {
        width: 150px;
        height: 75px;
    }
    
    .gauge-arc::after {
        top: 15px;
        left: 15px;
        width: 120px;
        height: 60px;
    }
    
    .gauge-needle {
        height: 60px;
    }
}

/* FAQ Section */
.faq-section {
    margin-bottom: var(--spacing-xl);
    padding: var(--spacing-xl) 0;
    background: #f8fafc;
}

.faq-container {
    max-width: 80%;
    margin: 0 auto;
}

.faq-container h2 {
    text-align: center;
    font-size: 2rem;
    font-weight: 700;
    margin-bottom: var(--spacing-xl);
    color: var(--text-primary);
}

.faq-list {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-md);
}

.faq-item {
    background: var(--card-bg);
    border-radius: var(--border-radius);
    border: 1px solid var(--border-color);
    overflow: hidden;
    box-shadow: 0 2px 4px var(--shadow);
}

.faq-question {
    width: 100%;
    padding: var(--spacing-lg);
    background: none;
    border: none;
    text-align: left;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 1.125rem;
    font-weight: 600;
    color: var(--text-primary);
    transition: all 0.3s ease;
}

.faq-question:hover {
    background: #f8fafc;
}

.faq-question:focus {
    outline: none;
    background: #f8fafc;
}

.faq-icon {
    font-size: 1.5rem;
    font-weight: 300;
    color: var(--primary-color);
    transition: transform 0.3s ease;
}

.faq-item.active .faq-icon {
    transform: rotate(45deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease;
}

.faq-item.active .faq-answer {
    max-height: 200px;
}

.faq-answer p {
    padding: 0 var(--spacing-lg) var(--spacing-lg);
    margin: 0;
    color: var(--text-secondary);
    line-height: 1.6;
    font-size: 1rem;
}

/* Related Tools Section */
.related-tools {
    margin-bottom: var(--spacing-xl);
    padding: var(--spacing-xl) 0;
    background: #f8fafc;
}

.related-tools h2 {
    text-align: center;
    font-size: 2rem;
    font-weight: 700;
    margin-bottom: var(--spacing-xl);
    color: var(--text-primary);
}

.tools-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: var(--spacing-lg);
}

.tool-card {
    background: var(--card-bg);
    padding: var(--spacing-lg);
    border-radius: var(--border-radius);
    border: 1px solid var(--border-color);
    box-shadow: 0 2px 4px var(--shadow);
    transition: all 0.3s ease;
    text-align: center;
}

.tool-card:hover {
    transform: translateY(-2px);
    box-shadow: 0 4px 8px var(--shadow-lg);
}

.tool-card h3 {
    font-size: 1.25rem;
    font-weight: 600;
    margin-bottom: var(--spacing-sm);
    color: var(--text-primary);
}

.tool-card p {
    color: var(--text-secondary);
    margin-bottom: var(--spacing-md);
    line-height: 1.5;
}

.tool-link {
    display: inline-block;
    padding: var(--spacing-sm) var(--spacing-lg);
    background: var(--primary-color);
    color: white;
    text-decoration: none;
    border-radius: var(--border-radius);
    font-weight: 500;
    transition: all 0.3s ease;
}

.tool-link:hover {
    background: var(--primary-hover);
    transform: translateY(-1px);
}

/* Mobile responsive for FAQ and Tools */
@media (max-width: 768px) {
    .faq-container {
        max-width: 100%;
    }

    .faq-container h2,
    .related-tools h2 {
        font-size: 1.75rem;
    }

    .faq-question {
        font-size: 1rem;
        padding: var(--spacing-md);
    }

    .faq-answer p {
        padding: 0 var(--spacing-md) var(--spacing-md);
        font-size: 0.875rem;
    }

    .tools-grid {
        grid-template-columns: 1fr;
    }
}

/* DTI Guide Section */
.dti-guide-section {
    background: #f8fafc;
    padding: 4rem 0;
}

.guide-intro {
    text-align: center;
    max-width: 800px;
    margin: 0 auto 3rem;
    font-size: 1.1rem;
    color: #64748b;
    line-height: 1.6;
}

.guide-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 2rem;
    margin-bottom: 3rem;
}

.guide-card {
    background: white;
    border-radius: 12px;
    padding: 2rem;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1);
    border: 1px solid #e2e8f0;
}

.guide-card h3 {
    color: #1e293b;
    margin-bottom: 1.5rem;
    font-size: 1.5rem;
    border-bottom: 2px solid #dc2626;
    padding-bottom: 0.5rem;
}

.dti-fundamentals,
.lender-requirements,
.loan-requirements,
.compensating-factors {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

.fundamental-item,
.requirement-item,
.loan-item,
.factor-item {
    background: #f8fafc;
    padding: 1.5rem;
    border-radius: 8px;
    border: 1px solid #e2e8f0;
}

.fundamental-item strong,
.requirement-item strong,
.loan-item strong,
.factor-item strong {
    color: #1e293b;
    display: block;
    margin-bottom: 1rem;
    font-size: 1.1rem;
}

.fundamental-item ul,
.requirement-item ul,
.loan-item ul,
.factor-item ul {
    margin: 0;
    padding-left: 1.5rem;
}

.fundamental-item li,
.requirement-item li,
.loan-item li,
.factor-item li {
    margin-bottom: 0.5rem;
    color: #64748b;
}

/* DTI Improvement Section */
.dti-improvement-section {
    background: white;
    padding: 4rem 0;
}

.improvement-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 2rem;
    margin-top: 2rem;
}

.improvement-card {
    background: #f8fafc;
    border-radius: 12px;
    padding: 2rem;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.1);
    border: 1px solid #e2e8f0;
}

.improvement-card h3 {
    color: #1e293b;
    margin-bottom: 1.5rem;
    font-size: 1.4rem;
    border-bottom: 2px solid #dc2626;
    padding-bottom: 0.5rem;
}

.debt-reduction-strategies,
.income-strategies,
.management-strategies,
.longterm-strategies {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

.strategy-item,
.income-item,
.management-item,
.longterm-item {
    background: white;
    padding: 1.5rem;
    border-radius: 8px;
    box-shadow: 0 2px 4px rgba(0, 0, 0, 0.05);
    border-left: 4px solid #dc2626;
}

.strategy-item strong,
.income-item strong,
.management-item strong,
.longterm-item strong {
    color: #1e293b;
    display: block;
    margin-bottom: 1rem;
    font-size: 1.1rem;
}

.strategy-item ul,
.income-item ul,
.management-item ul,
.longterm-item ul {
    margin: 0;
    padding-left: 1.5rem;
}

.strategy-item li,
.income-item li,
.management-item li,
.longterm-item li {
    margin-bottom: 0.5rem;
    color: #64748b;
}

/* Mobile responsive updates for new sections */
@media (max-width: 768px) {
    .guide-grid,
    .improvement-grid {
        grid-template-columns: 1fr;
        gap: 1.5rem;
    }

    .guide-card,
    .improvement-card {
        padding: 1.5rem;
    }

    .guide-card h3,
    .improvement-card h3 {
        font-size: 1.3rem;
    }

    .fundamental-item,
    .requirement-item,
    .loan-item,
    .factor-item,
    .strategy-item,
    .income-item,
    .management-item,
    .longterm-item {
        padding: 1rem;
    }
}