/* ===== SCRA/MLA PAGE STYLES ===== */

        /* Hero */
        .scra-hero {
            background: var(--color-primary);
            color: #fff;
            padding: 2.5rem 1.5rem 2rem;
            text-align: center;
        }
        .scra-hero h1 {
            font-size: clamp(1.4rem, 4vw, 2.1rem);
            margin: 0 0 0.6rem;
            font-weight: 800;
            line-height: 1.25;
        }
        .scra-hero p {
            opacity: 0.85;
            max-width: 600px;
            margin: 0 auto 1.25rem;
            font-size: 1rem;
            line-height: 1.65;
        }

        /* Amber callout */
        .callout-warning {
            max-width: 640px;
            margin: 0 auto;
            background: rgba(217, 119, 6, 0.15);
            border: 1px solid rgba(217, 119, 6, 0.5);
            border-left: 4px solid #D97706;
            border-radius: 8px;
            padding: 0.85rem 1.1rem;
            font-size: 0.9rem;
            color: #fff;
            line-height: 1.55;
            text-align: left;
        }
        .callout-warning strong {
            color: #FCD34D;
        }

        /* Page wrapper */
        .page-wrapper {
            max-width: 860px;
            margin: 0 auto;
            padding: 2rem 1.25rem 5rem;
        }

        /* Section headings */
        .section-heading {
            font-size: 1.35rem;
            font-weight: 800;
            color: var(--color-text);
            margin: 2.5rem 0 1rem;
            padding-bottom: 0.5rem;
            border-bottom: 2px solid var(--color-border);
        }
        .section-heading .section-num {
            color: var(--color-accent);
            font-size: 0.85rem;
            font-weight: 700;
            text-transform: uppercase;
            letter-spacing: 0.06em;
            display: block;
            margin-bottom: 0.2rem;
        }

        /* Side-by-side law cards */
        .law-compare {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 1.25rem;
            margin-top: 1rem;
        }
        .law-card {
            background: var(--color-card);
            border: 2px solid var(--color-border);
            border-radius: 14px;
            padding: 1.5rem;
        }
        .law-card.scra { border-color: #0369A1; }
        .law-card.mla  { border-color: #16A34A; }
        .law-card__badge {
            display: inline-block;
            font-size: 0.72rem;
            font-weight: 800;
            text-transform: uppercase;
            letter-spacing: 0.08em;
            padding: 0.25rem 0.6rem;
            border-radius: 4px;
            margin-bottom: 0.6rem;
        }
        .law-card.scra .law-card__badge {
            background: #0369A1;
            color: #fff;
        }
        .law-card.mla .law-card__badge {
            background: #16A34A;
            color: #fff;
        }
        .law-card h3 {
            font-size: 1rem;
            font-weight: 800;
            margin: 0 0 0.3rem;
            color: var(--color-text);
            line-height: 1.3;
        }
        .law-card .law-subtitle {
            font-size: 0.78rem;
            color: var(--color-text-light);
            margin-bottom: 1rem;
        }
        .law-card ul {
            margin: 0;
            padding: 0 0 0 1.1rem;
            font-size: 0.875rem;
            color: var(--color-text);
            line-height: 1.7;
        }
        .law-card ul li {
            margin-bottom: 0.25rem;
        }

        /* Scenario table */
        .data-table-wrap {
            overflow-x: auto;
            margin-top: 1rem;
            border-radius: 10px;
            border: 1px solid var(--color-border);
        }
        .data-table {
            width: 100%;
            border-collapse: collapse;
            font-size: 0.875rem;
        }
        .data-table th {
            background: var(--color-primary);
            color: #fff;
            padding: 0.6rem 0.85rem;
            text-align: left;
            font-size: 0.78rem;
            text-transform: uppercase;
            letter-spacing: 0.04em;
            white-space: nowrap;
        }
        .data-table td {
            padding: 0.65rem 0.85rem;
            border-bottom: 1px solid var(--color-border);
            color: var(--color-text);
            vertical-align: top;
        }
        .data-table tr:last-child td { border-bottom: none; }
        .data-table tr:nth-child(even) td {
            background: var(--color-bg);
        }
        [data-theme="dark"] .data-table tr:nth-child(even) td {
            background: rgba(255,255,255,0.03);
        }
        .tag-scra {
            display: inline-block;
            background: #0369A1;
            color: #fff;
            font-size: 0.7rem;
            font-weight: 700;
            padding: 0.15rem 0.45rem;
            border-radius: 4px;
            text-transform: uppercase;
            letter-spacing: 0.05em;
        }
        .tag-mla {
            display: inline-block;
            background: #16A34A;
            color: #fff;
            font-size: 0.7rem;
            font-weight: 700;
            padding: 0.15rem 0.45rem;
            border-radius: 4px;
            text-transform: uppercase;
            letter-spacing: 0.05em;
        }
        .tag-warn {
            display: inline-block;
            background: #D97706;
            color: #fff;
            font-size: 0.7rem;
            font-weight: 700;
            padding: 0.15rem 0.45rem;
            border-radius: 4px;
            text-transform: uppercase;
            letter-spacing: 0.05em;
        }
        .tag-none {
            display: inline-block;
            background: #64748B;
            color: #fff;
            font-size: 0.7rem;
            font-weight: 700;
            padding: 0.15rem 0.45rem;
            border-radius: 4px;
            text-transform: uppercase;
            letter-spacing: 0.05em;
        }

        /* Coverage status icons in table */
        .yes-icon { color: #16A34A; font-weight: 700; }
        .no-icon  { color: #DC2626; font-weight: 700; }

        /* Accordion for claim steps */
        .accordion {
            border: 1px solid var(--color-border);
            border-radius: 12px;
            overflow: hidden;
            margin-top: 1rem;
        }
        .accordion-item {
            border-bottom: 1px solid var(--color-border);
        }
        .accordion-item:last-child { border-bottom: none; }
        .accordion-btn {
            width: 100%;
            display: flex;
            align-items: center;
            justify-content: space-between;
            gap: 0.75rem;
            padding: 1rem 1.25rem;
            background: var(--color-card);
            border: none;
            cursor: pointer;
            text-align: left;
            font-family: var(--font-body);
            font-size: 0.95rem;
            font-weight: 700;
            color: var(--color-text);
            transition: background var(--transition);
        }
        .accordion-btn:hover { background: var(--color-bg); }
        .accordion-btn .acc-issuer-name {
            flex: 1;
        }
        .accordion-btn .acc-badge {
            font-size: 0.72rem;
            font-weight: 700;
            padding: 0.2rem 0.5rem;
            border-radius: 4px;
            white-space: nowrap;
        }
        .acc-badge.best  { background: #16A34A; color: #fff; }
        .acc-badge.good  { background: #0369A1; color: #fff; }
        .acc-badge.limit { background: #D97706; color: #fff; }
        .accordion-btn .acc-chevron {
            width: 18px;
            height: 18px;
            flex-shrink: 0;
            transition: transform 0.25s ease;
            color: var(--color-text-light);
        }
        .accordion-item.open .acc-chevron {
            transform: rotate(180deg);
        }
        .accordion-panel {
            display: none;
            padding: 0 1.25rem 1.25rem;
            background: var(--color-card);
        }
        .accordion-item.open .accordion-panel { display: block; }
        .accordion-panel ol {
            margin: 0;
            padding: 0 0 0 1.2rem;
            font-size: 0.9rem;
            line-height: 1.75;
            color: var(--color-text);
        }
        .accordion-panel ol li { margin-bottom: 0.15rem; }
        .accordion-panel .panel-note {
            margin-top: 0.85rem;
            padding: 0.65rem 0.9rem;
            background: var(--color-bg);
            border-left: 3px solid var(--color-accent);
            border-radius: 0 6px 6px 0;
            font-size: 0.83rem;
            color: var(--color-text-light);
            line-height: 1.55;
        }
        .accordion-panel .panel-note strong { color: var(--color-text); }
        .accordion-panel .panel-note.warn {
            border-left-color: #D97706;
            background: rgba(217, 119, 6, 0.06);
        }
        [data-theme="dark"] .accordion-panel .panel-note.warn {
            background: rgba(217, 119, 6, 0.08);
        }

        /* Beyond credit cards grid */
        .benefit-grid {
            display: grid;
            grid-template-columns: repeat(auto-fill, minmax(190px, 1fr));
            gap: 1rem;
            margin-top: 1rem;
        }
        .benefit-tile {
            background: var(--color-card);
            border: 1px solid var(--color-border);
            border-radius: 12px;
            padding: 1.25rem 1rem;
        }
        .benefit-tile__icon {
            font-size: 1.75rem;
            margin-bottom: 0.5rem;
            line-height: 1;
        }
        .benefit-tile h4 {
            font-size: 0.9rem;
            font-weight: 800;
            color: var(--color-text);
            margin: 0 0 0.4rem;
        }
        .benefit-tile p {
            font-size: 0.82rem;
            color: var(--color-text-light);
            margin: 0;
            line-height: 1.6;
        }

        /* Common mistakes list */
        .mistakes-list {
            list-style: none;
            margin: 1rem 0 0;
            padding: 0;
        }
        .mistakes-list li {
            display: flex;
            gap: 0.85rem;
            align-items: flex-start;
            padding: 0.85rem 0;
            border-bottom: 1px solid var(--color-border);
            font-size: 0.9rem;
            line-height: 1.6;
            color: var(--color-text);
        }
        .mistakes-list li:last-child { border-bottom: none; }
        .mistakes-list .mistake-num {
            flex-shrink: 0;
            width: 28px;
            height: 28px;
            background: var(--color-primary);
            color: #fff;
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            font-size: 0.78rem;
            font-weight: 800;
            margin-top: 1px;
        }
        .mistakes-list strong { color: var(--color-text); }

        /* CTA banner */
        .cta-banner {
            background: var(--color-accent);
            border-radius: 14px;
            padding: 1.5rem 1.75rem;
            display: flex;
            align-items: center;
            justify-content: space-between;
            gap: 1.25rem;
            margin-top: 2.5rem;
            flex-wrap: wrap;
        }
        .cta-banner__text {
            color: #fff;
            font-size: 1rem;
            font-weight: 700;
            line-height: 1.45;
        }
        .cta-banner__text span {
            display: block;
            font-size: 0.85rem;
            font-weight: 400;
            opacity: 0.85;
            margin-top: 0.2rem;
        }
        .cta-banner__btn {
            display: inline-block;
            background: #fff;
            color: var(--color-accent);
            font-family: var(--font-body);
            font-size: 0.9rem;
            font-weight: 700;
            padding: 0.65rem 1.4rem;
            border-radius: 8px;
            text-decoration: none;
            white-space: nowrap;
            transition: opacity var(--transition);
        }
        .cta-banner__btn:hover { opacity: 0.88; }

        /* FAQ accordion reuse */
        .faq-section {
            margin-top: 0;
        }

        /* Legal disclaimer */
        .legal-disclaimer {
            margin-top: 2rem;
            padding: 1rem 1.25rem;
            background: var(--color-bg);
            border: 1px solid var(--color-border);
            border-radius: 10px;
            font-size: 0.8rem;
            color: var(--color-text-light);
            line-height: 1.6;
        }

        /* Responsive */
        @media (max-width: 620px) {
            .law-compare { grid-template-columns: 1fr; }
            .cta-banner { flex-direction: column; align-items: flex-start; }
        }
        @media (max-width: 480px) {
            .benefit-grid { grid-template-columns: 1fr 1fr; }
        }