/* ============================================
   Loan Disclosures Section Styles
   ============================================ */

.loan-disclosures-section {
    padding: 0 20px 60px;
    display: flex;
    justify-content: center;
    background: #ffffff;
}

.ld-item {
    width: 1256px;
    background: #ffffff;
    border: 1px solid #E8EFF9;
    border-radius: 24px;
    overflow: hidden;
    opacity: 0;
    transform: translateY(20px);
    transition: opacity 0.8s ease, transform 0.8s ease,
                background 0.3s cubic-bezier(0.4, 0, 0.2, 1),
                border-color 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

.ld-item.animate-in {
    opacity: 1;
    transform: translateY(0);
}

.ld-item.active {
    background: #F0F4FF;
    border-color: #D4E8FF;
}

.ld-toggle {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
    padding: 26px 40px;
    background: transparent;
    border: 0;
    cursor: pointer;
    text-align: left;
    font-family: 'Geist', sans-serif;
}

.ld-toggle:focus { outline: none; }

.ld-toggle:focus-visible {
    outline: 2px solid #0256DB;
    outline-offset: -4px;
    border-radius: 24px;
}

.ld-title {
    font-size: 20px;
    font-weight: 600;
    color: #0a1330;
    line-height: 1.4;
}

.ld-icon {
    font-size: 18px;
    color: #0256DB;
    flex-shrink: 0;
    transform: rotate(0deg);
    transition: transform 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    will-change: transform;
}

.ld-item.active .ld-icon {
    transform: rotate(180deg);
}

.ld-panel {
    overflow: hidden;
    max-height: 0;
    opacity: 0;
    padding: 0 40px;
    position: relative;
    transition: max-height 0.4s cubic-bezier(0.4, 0, 0.2, 1),
                opacity 0.4s cubic-bezier(0.4, 0, 0.2, 1),
                padding 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    will-change: max-height, opacity, padding;
}

.ld-panel::before {
    content: '';
    position: absolute;
    top: 0;
    left: 40px;
    right: 40px;
    height: 1px;
    background: #E5E7EB;
    opacity: 0;
    transition: opacity 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

.ld-item.active .ld-panel {
    max-height: 1200px;
    opacity: 1;
    padding: 24px 40px 32px;
}

.ld-item.active .ld-panel::before {
    opacity: 1;
}

.ld-grid {
    margin: 0;
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 4px 48px;
}

.ld-row {
    display: flex;
    flex-wrap: wrap;
    align-items: baseline;
    gap: 8px;
    padding: 10px 0;
    border-bottom: 1px solid rgba(229, 231, 235, 0.7);
}

.ld-row dt {
    font-family: 'Geist', sans-serif;
    font-size: 15px;
    font-weight: 400;
    color: #6E7A8E;
    margin: 0;
}

.ld-row dd {
    font-family: 'Geist', sans-serif;
    font-size: 15px;
    font-weight: 600;
    color: #0a1330;
    margin: 0;
}

.ld-example {
    margin-top: 24px;
    padding: 20px 24px;
    background: #F7FAFF;
    border: 1px solid #E8EFF9;
    border-radius: 16px;
}

.ld-item.active .ld-example {
    background: #ffffff;
}

.ld-example-title {
    font-family: 'Geist', sans-serif;
    font-size: 15px;
    font-weight: 600;
    color: #0a1330;
    margin: 0 0 8px;
}

.ld-example p {
    font-family: 'Geist', sans-serif;
    font-size: 14px;
    font-weight: 400;
    line-height: 1.75;
    color: #6E7A8E;
    margin: 0;
}

.ld-example-list {
    margin: 0 0 16px;
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 0 48px;
}

.ld-example-list .ld-row {
    padding: 8px 0;
}

.ld-example-list dt,
.ld-example-list dd {
    font-size: 14px;
}

.ld-calc-title {
    font-family: 'Geist', sans-serif;
    font-size: 14px;
    font-weight: 600;
    color: #0a1330;
    margin: 0 0 6px;
}

.ld-calc-line {
    font-variant-numeric: tabular-nums;
}

.ld-example-note {
    margin-top: 12px !important;
    font-size: 13px !important;
    font-style: italic;
}

/* Responsive Design */
@media (max-width: 1400px) {
    .ld-item {
        width: 90%;
        max-width: 1256px;
    }
}

@media (max-width: 1024px) {
    .ld-toggle { padding: 24px 32px; }
    .ld-title { font-size: 19px; }
    .ld-panel { padding: 0 32px; }
    .ld-panel::before { left: 32px; right: 32px; }
    .ld-item.active .ld-panel { padding: 22px 32px 28px; }
    .ld-grid { gap: 4px 32px; }
}

@media (max-width: 768px) {
    .loan-disclosures-section { padding: 0 16px 44px; }
    .ld-item { width: 100%; border-radius: 20px; }
    .ld-toggle { padding: 20px 22px; gap: 16px; }
    .ld-title { font-size: 17px; }
    .ld-panel { padding: 0 22px; }
    .ld-panel::before { left: 22px; right: 22px; }
    .ld-item.active .ld-panel { padding: 18px 22px 24px; max-height: 2000px; }
    .ld-grid,
    .ld-example-list { grid-template-columns: 1fr; gap: 0; }
    .ld-row { padding: 12px 0; }
    .ld-row dt, .ld-row dd { font-size: 14.5px; }
    .ld-example { margin-top: 20px; padding: 16px 18px; border-radius: 14px; }
    .ld-example p { font-size: 13.5px; line-height: 1.7; }
}