/* =========================================================
   LOAN GUIDE — complete stylesheet
   Matches existing acad-drawer / acad-chip / EssayDew gold theme.
   Load once via layout.php's $extra_css mechanism.
   ========================================================= */

.acad-lg-disclaimer{
    display:flex;
    gap:8px;
    align-items:flex-start;
    padding:10px 12px;
    margin:12px 2px 0;
    border-radius:12px;
    background:rgba(95,191,128,.09);
    border:1px solid rgba(95,191,128,.25);
    font-size:11px;
    line-height:1.4;
    color:#c9e8d3;
}

.acad-loanGuideBody{
    display:flex;
    flex-direction:column;
    gap:0;
}

.acad-lg-step{
    display:none;
    flex-direction:column;
    animation:acadLgFade .28s ease;
}
.acad-lg-step.active{
    display:flex;
}

@keyframes acadLgFade{
    from{ opacity:0; transform:translateX(14px); }
    to{ opacity:1; transform:translateX(0); }
}

.acad-lg-progress{
    display:flex;
    gap:6px;
    margin:14px 0 14px;
}
.acad-lg-progress i{
    flex:1;
    height:4px;
    border-radius:3px;
    background:rgba(255,255,255,.08);
}
.acad-lg-progress i.current,
.acad-lg-progress i.done{
    background:linear-gradient(90deg,#d7aa4b,#f0cb72);
}

.acad-lg-stepLabel{
    font-size:11px;
    font-weight:800;
    letter-spacing:.5px;
    color:#8f9096;
    margin-bottom:2px;
}

.acad-lg-h{
    font-size:20px;
    font-weight:800;
    letter-spacing:-.4px;
    margin:2px 0 6px;
    color:#f5f2ec;
}

.acad-lg-sub{
    font-size:13px;
    color:#8f9096;
    line-height:1.4;
    margin:0 0 16px;
}

.acad-lg-chipGrid{
    display:flex;
    flex-direction:column;
    gap:9px;
}

.acad-lg-chip{
    display:flex;
    align-items:center;
    justify-content:space-between;
    width:100%;
    text-align:left;
    padding:14px 15px;
    border-radius:15px;
    border:1px solid rgba(255,255,255,.09);
    background:linear-gradient(145deg, rgba(255,255,255,.045), rgba(255,255,255,.012));
    color:#f5f2ec;
    font-size:14.5px;
    font-weight:650;
    cursor:pointer;
    transition:border-color .15s ease, background .15s ease;
}
.acad-lg-chip small{
    display:block;
    margin-top:3px;
    color:#8f9096;
    font-weight:500;
    font-size:11.5px;
}
.acad-lg-chip:hover{
    border-color:rgba(215,170,75,.4);
}
.acad-lg-chip.is-picked{
    border-color:#d7aa4b;
    background:linear-gradient(145deg, rgba(215,170,75,.15), rgba(215,170,75,.03));
}

.acad-lg-tick{
    width:19px;
    height:19px;
    border-radius:50%;
    flex:0 0 19px;
    border:1.5px solid rgba(255,255,255,.25);
    display:grid;
    place-items:center;
    font-size:11px;
    color:transparent;
}
.acad-lg-chip.is-picked .acad-lg-tick{
    background:#d7aa4b;
    border-color:#d7aa4b;
    color:#1a1000;
}

.acad-lg-savedNote{
    display:flex;
    gap:8px;
    align-items:center;
    padding:9px 12px;
    border-radius:12px;
    background:rgba(215,170,75,.1);
    border:1px dashed rgba(215,170,75,.35);
    font-size:11.5px;
    color:#f0cb72;
    font-weight:650;
    margin-bottom:14px;
}

.acad-lg-statusCard{
    padding:14px;
    border-radius:16px;
    border:1px solid rgba(255,255,255,.09);
    background:linear-gradient(145deg, rgba(255,255,255,.05), rgba(255,255,255,.015));
    margin-bottom:12px;
}
.acad-lg-statusCard p{
    font-size:13px;
    color:#d8dadf;
    line-height:1.45;
    margin:8px 0 0;
}

.acad-lg-metricRow{
    display:flex;
    gap:8px;
    margin-bottom:16px;
}
.acad-lg-metricBox{
    flex:1;
    padding:10px;
    border-radius:12px;
    text-align:center;
    background:rgba(255,255,255,.03);
    border:1px solid rgba(255,255,255,.09);
}
.acad-lg-metricBox span{
    display:block;
    font-size:10px;
    color:#8f9096;
    font-weight:700;
    margin-bottom:4px;
}
.acad-lg-metricBox strong{
    font-size:17px;
    font-weight:850;
    color:#fff;
}
.acad-lg-metricBox small{
    display:block;
    font-size:9.5px;
    color:#8f9096;
    margin-top:2px;
}

.acad-lg-addCoursesNudge{
    display:block;
    text-align:center;
    padding:11px;
    margin-bottom:14px;
    border-radius:13px;
    border:1px dashed rgba(215,170,75,.4);
    background:rgba(215,170,75,.06);
    color:#f0cb72;
    font-size:12.5px;
    font-weight:700;
    text-decoration:none;
}

.acad-lg-choiceHeading{
    font-size:12px;
    font-weight:800;
    color:#8f9096;
    letter-spacing:.3px;
    margin:4px 0 10px;
}

.acad-lg-choiceCard{
    display:flex;
    align-items:center;
    gap:12px;
    width:100%;
    padding:14px;
    border-radius:16px;
    border:1px solid rgba(255,255,255,.09);
    background:rgba(255,255,255,.03);
    margin-bottom:10px;
    text-decoration:none;
    color:#f5f2ec;
    font:inherit;
    text-align:left;
    cursor:pointer;
    transition:border-color .15s ease;
}
.acad-lg-choiceCard:hover{
    border-color:rgba(215,170,75,.4);
}
.acad-lg-choiceCard--featured{
    border-color:rgba(215,170,75,.4);
    background:linear-gradient(145deg, rgba(215,170,75,.12), rgba(255,255,255,.02));
}

.acad-lg-choiceIcon{
    width:38px;
    height:38px;
    border-radius:11px;
    flex:0 0 38px;
    background:rgba(215,170,75,.12);
    border:1px solid rgba(215,170,75,.25);
    display:grid;
    place-items:center;
    font-size:17px;
}

.acad-lg-choiceText strong{
    display:block;
    font-size:14px;
    font-weight:800;
    margin-bottom:2px;
}
.acad-lg-choiceText span{
    font-size:11.5px;
    color:#8f9096;
    line-height:1.35;
}

.acad-lg-choiceArrow{
    margin-left:auto;
    color:#f0cb72;
    font-size:17px;
    opacity:.7;
}

.acad-lg-freeTag{
    font-size:9px;
    font-weight:900;
    letter-spacing:.4px;
    color:#5fbf80;
    background:rgba(95,191,128,.14);
    padding:2px 6px;
    border-radius:6px;
    margin-left:6px;
}

.acad-lg-lenderStrip{
    margin-top:2px;
    padding:12px;
    border-radius:14px;
    background:rgba(255,255,255,.025);
    border:1px dashed rgba(255,255,255,.09);
}
.acad-lg-lenderStrip p{
    margin:0 0 8px;
    font-size:10.5px;
    color:#8f9096;
    font-weight:700;
    letter-spacing:.2px;
}
.acad-lg-lenderNames{
    display:flex;
    gap:8px;
    flex-wrap:wrap;
}
.acad-lg-lenderNames span{
    padding:5px 10px;
    border-radius:100px;
    background:rgba(255,255,255,.05);
    border:1px solid rgba(255,255,255,.09);
    font-size:11px;
    font-weight:700;
    color:#d8dadf;
}

/* ---- fast-prep checklist ---- */

.acad-lg-backRow{
    background:none;
    border:none;
    padding:0 0 12px;
    color:#8f9096;
    font-size:12.5px;
    font-weight:700;
    cursor:pointer;
    text-align:left;
}
.acad-lg-backRow:hover{
    color:#f0cb72;
}

.acad-lg-checklist{
    list-style:none;
    margin:0 0 16px;
    padding:0;
    display:flex;
    flex-direction:column;
    gap:10px;
}
.acad-lg-checklist li{
    display:flex;
    gap:11px;
    align-items:flex-start;
    padding:12px;
    border-radius:13px;
    background:rgba(255,255,255,.03);
    border:1px solid rgba(255,255,255,.09);
}
.acad-lg-checkIcon{
    font-size:17px;
    flex:0 0 auto;
}
.acad-lg-checklist strong{
    display:block;
    font-size:13.5px;
    font-weight:750;
    color:#f5f2ec;
}
.acad-lg-checklist span{
    display:block;
    font-size:11.5px;
    color:#8f9096;
    margin-top:2px;
    line-height:1.35;
}

/* ---- phone-width safety ---- */
@media (max-width:420px){
    .acad-lg-h{ font-size:18px; }
    .acad-lg-choiceCard{ padding:12px; }
    .acad-lg-metricBox strong{ font-size:16px; }
}

/* ---- expanded lender grid (6 real, linked lenders) ---- */
.acad-lg-lenderGrid{
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:8px;
}
.acad-lg-lenderCard{
    padding:10px 11px;
    border-radius:12px;
    background:rgba(255,255,255,.04);
    border:1px solid rgba(255,255,255,.09);
    text-decoration:none;
    color:#f5f2ec;
    transition:border-color .15s ease;
}
.acad-lg-lenderCard:hover{ border-color:rgba(215,170,75,.4); }
.acad-lg-lenderCard strong{ display:block; font-size:12.5px; font-weight:800; margin-bottom:2px; }
.acad-lg-lenderCard span{ display:block; font-size:10px; color:#8f9096; line-height:1.3; }
.acad-lg-lenderNote{ margin:10px 0 0; font-size:9.5px; color:#8f9096; font-style:italic; line-height:1.35; }

/* ---- urgent contact banner (persistent, every step) ---- */
.acad-lg-urgentBanner{
    display:flex; align-items:center; gap:10px; width:100%;
    padding:11px 12px; margin:0 2px 12px; border-radius:13px;
    border:1px solid rgba(224,80,80,.35);
    background:rgba(224,80,80,.08);
    color:#f5f2ec; font:inherit; text-align:left; cursor:pointer;
}
.acad-lg-urgentIcon{ font-size:16px; }
.acad-lg-urgentText strong{ display:block; font-size:12.5px; font-weight:800; }
.acad-lg-urgentText small{ display:block; font-size:10.5px; color:#8f9096; margin-top:1px; }
.acad-lg-urgentArrow{ margin-left:auto; color:#e05050; font-size:16px; }
.acad-lg-urgentForm{ margin:0 2px 14px; padding:12px; border-radius:13px; background:rgba(224,80,80,.05); border:1px dashed rgba(224,80,80,.3); }
.acad-lg-urgentTextarea{
    width:100%; padding:10px; border-radius:10px; margin-bottom:8px;
    background:rgba(255,255,255,.04); border:1px solid rgba(255,255,255,.09);
    color:#f5f2ec; font:inherit; font-size:13px; resize:vertical;
}
.acad-lg-urgentStatus{ margin-top:8px; font-size:11.5px; color:#8f9096; }