/* ==========================================================================
   Responsive & Accessibility Styles
   Carefully tuned for compact, balanced mobile viewport proportions
   ========================================================================== */

/* --- Root-Level Dynamic Font Scaling --- */
@media (max-width: 768px) {
  html {
    font-size: 15px; /* Scales rem-based units smoothly on tablets and large phones */
  }
}

@media (max-width: 480px) {
  html {
    font-size: 14px; /* Proportional scaling for standard mobile displays (360px-430px) */
  }
}

/* ==========================================================================
   Mobile Phones (max-width: 640px)
   ========================================================================== */
@media (max-width: 640px) {
  /* Layout Container */
  .container {
    padding: 0 16px;
  }

  /* Sticky Navigation Header */
  .site-header {
    height: 52px;
  }

  .header-inner {
    height: 52px;
  }

  .brand-badge {
    font-size: 0.65rem;
    letter-spacing: 0.04em;
  }

  .brand-title {
    font-size: 0.98rem;
  }

  .header-controls {
    gap: 8px;
  }

  .lang-switcher {
    padding: 2px;
  }

  .lang-btn {
    padding: 4px 8px;
    font-size: 0.76rem;
  }

  #nav-cta-btn {
    padding: 6px 13px;
    font-size: 0.8rem;
  }

  /* Hero Section */
  .hero-section {
    padding: 22px 0 16px;
  }

  .pill-badge {
    padding: 4px 10px;
    font-size: 0.74rem;
    margin-bottom: 12px;
    max-width: 100%;
    flex-wrap: wrap;
    justify-content: center;
    gap: 4px;
    box-shadow: 0 2px 8px rgba(180, 150, 120, 0.1);
  }

  .sydney-geo-tag {
    margin-left: 2px;
    padding-left: 6px;
    font-size: 0.72rem;
  }

  .display-title {
    font-size: 1.65rem;
    line-height: 1.2;
    letter-spacing: -0.02em;
  }

  .hero-subtitle {
    font-size: 0.92rem;
    line-height: 1.45;
    margin: 8px auto 0;
    padding: 0 4px;
  }

  /* Stripe-style Showcase Mobile Adjustments */
  .stripe-showcase-section {
    padding: 8px 0 20px;
  }

  .stripe-cards-grid {
    grid-template-columns: 1fr;
    gap: 12px;
  }

  .stripe-card {
    min-height: auto;
    padding: 16px 14px 14px;
    border-radius: 16px;
  }

  .stripe-card-header {
    margin-bottom: 8px;
  }

  .stripe-card-badge {
    padding: 3px 8px;
    font-size: 0.7rem;
  }

  .stripe-card-title {
    font-size: 1.08rem;
    margin-bottom: 4px;
  }

  .stripe-card-teaser {
    font-size: 0.82rem;
    line-height: 1.4;
    margin-bottom: 12px;
  }

  .stripe-card-metric-box {
    padding: 8px 12px;
    margin-bottom: 10px;
    border-radius: 10px;
  }

  .stripe-metric-label {
    font-size: 0.68rem;
    margin-bottom: 2px;
  }

  .stripe-metric-val {
    font-size: 1.18rem;
  }

  .stripe-card-action {
    padding-top: 10px;
    font-size: 0.82rem;
  }

  /* Bank Comparison Directory Section */
  .directory-section {
    padding: 28px 0 36px;
  }

  .section-title {
    font-size: 1.35rem;
    line-height: 1.25;
    margin-bottom: 6px;
  }

  .section-subtitle {
    font-size: 0.85rem;
    line-height: 1.4;
    margin-bottom: 14px;
  }

  .directory-controls-group {
    width: 100%;
    gap: 8px;
  }

  .table-purpose-control {
    width: 100%;
    display: flex;
  }

  .table-purpose-control .seg-btn {
    flex: 1;
    justify-content: center;
    padding: 6px 8px;
    font-size: 0.8rem;
  }

  .filter-tabs {
    width: 100%;
    overflow-x: auto;
    flex-wrap: nowrap;
    padding: 3px;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
  }

  .filter-tabs::-webkit-scrollbar {
    display: none;
  }

  .tab-btn {
    padding: 5px 12px;
    font-size: 0.78rem;
    white-space: nowrap;
    flex-shrink: 0;
  }

  .table-card {
    border-radius: var(--radius-md);
  }

  .lenders-table th {
    padding: 10px 12px;
    font-size: 0.7rem;
    white-space: nowrap;
  }

  .lenders-table td {
    padding: 10px 12px;
    font-size: 0.82rem;
  }

  .bank-identity {
    gap: 8px;
  }

  .bank-avatar {
    width: 32px;
    height: 32px;
    min-width: 32px;
  }

  .bank-title {
    font-size: 0.88rem;
  }

  .product-title {
    font-size: 0.72rem;
  }

  .rate-cell {
    font-size: 0.88rem;
  }

  .rate-cell.highlight-rate {
    font-size: 0.98rem;
  }

  .diff-badge {
    padding: 3px 8px;
    font-size: 0.74rem;
  }

  /* Why Kelly Section */
  .why-section {
    padding: 32px 0 40px;
  }

  .why-grid {
    gap: 12px;
    margin-top: 18px;
  }

  .why-card {
    padding: 18px 14px;
    gap: 8px;
  }

  .why-icon {
    width: 38px;
    height: 38px;
    font-size: 1.2rem;
  }

  .why-card h3 {
    font-size: 1.02rem;
  }

  .why-card p {
    font-size: 0.82rem;
  }

  /* Footer */
  .site-footer {
    padding: 28px 0 20px;
  }

  .footer-disclaimer {
    font-size: 0.72rem;
    line-height: 1.45;
    margin-bottom: 14px;
  }

  .footer-bottom {
    flex-direction: column;
    gap: 10px;
    text-align: center;
    font-size: 0.72rem;
  }

  .footer-social-bar {
    justify-content: center;
  }

  .footer-bottom-right {
    justify-content: center;
    flex-wrap: wrap;
    gap: 8px;
  }

  /* Modal Sheets & Interactive Workspaces */
  .modal-overlay {
    align-items: flex-end;
    padding: 0;
  }

  .modal-sheet {
    border-bottom-left-radius: 0;
    border-bottom-right-radius: 0;
    border-top-left-radius: 20px;
    border-top-right-radius: 20px;
    max-height: 90vh;
    padding: 18px 14px 32px;
    overflow-y: auto;
  }

  .tool-modal-header {
    margin-bottom: 14px;
    padding-bottom: 10px;
  }

  .tool-modal-title {
    font-size: 1.15rem;
  }

  .tool-modal-badge {
    padding: 3px 8px;
    font-size: 0.7rem;
  }

  .calc-panel, .results-panel {
    padding: 16px 12px;
    gap: 16px;
    border-radius: 14px;
  }

  .panel-header h2 {
    font-size: 1.15rem;
    margin-bottom: 4px;
  }

  .panel-header p {
    font-size: 0.82rem;
  }

  .form-group {
    margin-bottom: 10px;
  }

  .form-label {
    font-size: 0.78rem;
    margin-bottom: 3px;
  }

  .rate-input-box {
    padding: 4px 10px;
  }

  .rate-input {
    font-size: 1.45rem;
  }

  .rate-suffix, .currency-prefix {
    font-size: 1.1rem;
  }

  .field-helper {
    font-size: 0.72rem;
    margin-top: 3px;
  }

  .segmented-control .seg-btn {
    padding: 6px 8px;
    font-size: 0.78rem;
  }

  /* Spectrum Gauge Mobile */
  .spectrum-wrapper {
    margin: 10px 0 16px;
    padding-top: 32px;
  }

  .spectrum-markers {
    min-height: 74px;
  }

  .benchmark-marker {
    font-size: 0.68rem;
  }

  /* Savings Callout & Results */
  .savings-callout {
    padding: 14px 12px;
    gap: 10px;
  }

  .savings-amount-huge {
    font-size: 1.85rem;
  }

  .savings-amounts-grid {
    grid-template-columns: 1fr;
    gap: 8px;
  }

  .savings-box {
    padding: 10px 12px;
  }

  .savings-sublabel {
    font-size: 0.72rem;
  }

  .savings-big-num {
    font-size: 1.35rem;
  }

  .savings-five-year-pill {
    font-size: 0.76rem;
    padding: 6px 10px;
  }

  .btn-large {
    padding: 12px 20px;
    font-size: 0.9rem;
  }

  .cta-subtext {
    font-size: 0.72rem;
  }

  /* CBA Borrowing Power Wizard Mobile */
  .borrow-step-pills {
    gap: 4px;
    padding: 3px;
    margin-bottom: 14px;
  }

  .borrow-step-pill {
    padding: 5px 8px;
    font-size: 0.74rem;
    gap: 4px;
  }

  .borrow-step-pill .step-num {
    width: 18px;
    height: 18px;
    font-size: 0.68rem;
  }

  .input-freq-row {
    gap: 6px;
  }

  .frequency-select {
    height: 42px;
    font-size: 0.8rem;
    padding: 0 8px;
  }

  .purchase-power-block {
    padding: 12px 10px;
    margin-top: 10px;
  }

  .purchase-power-grid {
    grid-template-columns: 1fr;
    gap: 8px;
  }

  .purchase-power-cell {
    padding: 8px 10px;
  }

  .cell-sublabel {
    font-size: 0.7rem;
  }

  .cell-val-bold {
    font-size: 1.15rem;
  }

  .deposit-chips {
    gap: 3px;
    padding: 2px;
  }

  .deposit-chip {
    padding: 3px 7px;
    font-size: 0.72rem;
  }

  .repay-hero-val {
    font-size: 1.85rem;
  }

  .repay-bar-legend {
    font-size: 0.72rem;
  }

  .bridge-btn {
    padding: 10px 14px;
    font-size: 0.84rem;
  }

  /* Contact Modal */
  .modal-header h3 {
    font-size: 1.2rem;
  }

  .modal-header p {
    font-size: 0.82rem;
  }

  .modal-summary-box {
    padding: 10px 12px;
    margin-bottom: 12px;
  }

  .summary-box-title {
    font-size: 0.72rem;
  }

  .summary-chip {
    padding: 3px 8px;
    font-size: 0.72rem;
  }

  .input-field, .select-field, .textarea-field {
    padding: 8px 12px;
    font-size: 0.85rem;
  }

  .success-view {
    padding: 24px 14px;
  }

  .success-icon-wrap {
    width: 56px;
    height: 56px;
    font-size: 1.8rem;
    margin-bottom: 14px;
  }

  .success-view h3 {
    font-size: 1.3rem;
  }

  .success-view p {
    font-size: 0.9rem;
    margin-bottom: 20px;
  }
}

/* Tablet & Smaller Screens (max-width: 992px) */
@media (min-width: 641px) and (max-width: 992px) {
  .stripe-cards-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .stripe-card {
    min-height: auto;
    padding: 22px 20px;
  }
}

/* Reduced Motion Support (Apple HIG §14) */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }

  .user-pin {
    transition: none !important;
  }

  .modal-sheet {
    transition: opacity 0.15s ease !important;
    transform: none !important;
  }
}