/* Education Loan page. Self-contained (.el-*): ink-blue + highlighter yellow on ruled paper.
   Cost planner + receipt, phase bar, syllabus, sticky-note board, index cards, chalkboard, flashcards.
   Distinct from the other product pages. */
.el{--ink:#0F2233;--blue:#2B6F8F;--deep:#123B4F;--teal:#1E8C86;--mark:#F3D46B;--mark-2:#FFE9A0;--paper:#FBF9F2;--rule:rgba(43,111,143,.14);--line:#DCE5E8;--muted:#52606B;color:var(--ink)}
.el h1,.el h2,.el h3{font-family:'Manrope',Arial,sans-serif;margin:0;color:var(--ink)}
.el :where(p){margin:0;color:var(--muted);line-height:1.65}
.el [id]{scroll-margin-top:96px}

/* Buttons */
.el-btn{display:inline-flex;align-items:center;gap:8px;padding:13px 24px;border-radius:12px;font-weight:700;font-size:15px;text-decoration:none;border:2px solid transparent;transition:transform .18s ease,box-shadow .18s ease,background .18s ease}
.el-btn:hover{transform:translateY(-2px)}
.el-btn-solid{background:var(--blue);color:#fff;box-shadow:0 10px 22px rgba(43,111,143,.32)}
.el-btn-solid:hover{background:var(--deep)}
.el-btn-line{border-color:var(--deep);color:var(--deep);background:#fff}
.el-btn-line:hover{background:var(--deep);color:#fff}
.el-btn-mark{background:var(--mark);color:#2A2205}
.el-btn-mark:hover{background:var(--mark-2)}

/* Hero: ruled paper with margin line */
.el-hero{padding:52px 0 46px;background:
  linear-gradient(90deg,transparent 7%,rgba(226,120,120,.35) 7%,rgba(226,120,120,.35) calc(7% + 2px),transparent calc(7% + 2px)),
  repeating-linear-gradient(0deg,transparent 0 35px,var(--rule) 35px 36px),var(--paper)}
.el-hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:center}
.el-tag{display:inline-flex;align-items:center;gap:8px;padding:6px 12px;background:var(--mark);color:#2A2205;border-radius:6px;font-size:12px;font-weight:800;letter-spacing:.12em;margin-bottom:16px;transform:rotate(-1.5deg)}
.el-hero h1{font-size:clamp(34px,4.2vw,52px);line-height:1.08;letter-spacing:-.035em;font-weight:800}
.el-hero .theme-emphasis{color:var(--blue);background:linear-gradient(transparent 62%,var(--mark) 62%,var(--mark) 92%,transparent 92%);padding:0 2px}
.el-hero-copy>p{font-size:17px;margin-top:16px;max-width:540px}
.el-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.el-facts{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:14px}
.el-facts li{display:flex;flex-direction:column;gap:10px;padding:18px;background:#fff;border:1px solid var(--line);border-radius:6px 18px 18px 18px;box-shadow:0 10px 24px rgba(15,34,51,.07)}
.el-facts li:nth-child(2){transform:translateY(14px)}
.el-facts li:nth-child(4){transform:translateY(14px)}
.el-facts li>span{width:42px;height:42px;border-radius:12px;display:grid;place-items:center}
.el-facts .n1>span{background:#DCEFF5;color:var(--blue)}
.el-facts .n2>span{background:#FFF1BF;color:#9A6B00}
.el-facts .n3>span{background:#DDF1DF;color:#2E7D4F}
.el-facts .n4>span{background:#FFE3D9;color:#C0532F}
.el-facts b{display:block;font-size:15px}
.el-facts small{display:block;font-size:12.5px;color:var(--muted);line-height:1.4;margin-top:2px}

/* Sections */
.el-section{padding:56px 0}
.el-paper{background:var(--paper)}
.el-head{max-width:680px;margin-bottom:28px}
.el-center{margin-left:auto;margin-right:auto;text-align:center}
.el-eyebrow{display:inline-block;font-size:12px;font-weight:800;letter-spacing:.14em;color:var(--blue);margin-bottom:8px;padding-bottom:3px;border-bottom:3px solid var(--mark)}
.el-head h2{font-size:clamp(25px,2.7vw,35px);line-height:1.15;letter-spacing:-.03em;font-weight:800}
.el-head p{margin-top:10px;font-size:16px}

/* Planner */
.el-planwrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:44px;align-items:center}
.el-planwrap .el-head{margin-bottom:0}
.el-plan{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.el-inputs{display:grid;gap:12px;align-content:start}
.el [hidden]{display:none!important}
.el-mode{display:grid;gap:7px;padding:14px 16px;background:linear-gradient(135deg,var(--mark-2),#FFF6D4);border:1px solid var(--mark);border-radius:14px}
.el-mode>span{font-size:12px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:#5C4B00}
.el .el-mode select{width:100%;height:44px;padding:0 44px 0 14px;border:1px solid #E7CF7A;border-radius:10px;background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%232B6F8F' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E") no-repeat right 14px center;font:inherit;font-size:15.5px;font-weight:700;color:var(--ink);cursor:pointer;-webkit-appearance:none;appearance:none;box-shadow:none}
.el .el-mode select:focus{outline:0;border-color:var(--blue);box-shadow:0 0 0 4px rgba(43,111,143,.16)}
.el-step{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:11px 14px 11px 16px;background:#fff;border:1px solid var(--line);border-radius:14px;transition:border-color .15s ease}
.el-step:hover{border-color:#B9CFD8}
.el-sl{display:grid;gap:2px;min-width:0}
.el-sl label{font-size:14px;font-weight:700;line-height:1.3}
.el-sl em{font-style:normal;font-weight:500;color:var(--muted);font-size:12.5px;line-height:1.35}
.el-ctl{display:flex;align-items:center;flex:none;background:var(--paper);border:1px solid var(--line);border-radius:12px;overflow:hidden}
.el-step button{all:unset;box-sizing:border-box;width:40px;height:40px;touch-action:manipulation;user-select:none;display:grid;place-items:center;font-size:20px;font-weight:700;color:var(--blue);cursor:pointer;transition:background .15s ease}
.el-step button:hover{background:#DCEFF5}
.el-step button:focus-visible{outline:3px solid rgba(43,111,143,.4);outline-offset:-3px}
.el-step output{min-width:58px;text-align:center;font-size:19px;font-weight:800;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.el-own{display:block;padding:14px 16px;background:#fff;border:1px solid var(--line);border-radius:14px}
.el-own>span{display:flex;justify-content:space-between;align-items:baseline;font-size:13.5px;font-weight:700;margin-bottom:10px}
.el-own>span b{font-size:17px;color:var(--blue)}
.el input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:8px;padding:0;margin:0;border:0;border-radius:99px;outline:0;cursor:pointer;background:linear-gradient(90deg,var(--blue) var(--fill,30%),#E1EAED var(--fill,30%))}
.el input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:var(--mark);border:3px solid var(--deep);box-shadow:0 3px 8px rgba(15,34,51,.3)}
.el input[type=range]::-moz-range-thumb{width:16px;height:16px;border-radius:50%;background:var(--mark);border:3px solid var(--deep)}
.el input[type=range]:focus-visible{outline:3px solid rgba(43,111,143,.35);outline-offset:6px}

.el-receipt{background:#fff;border:1px solid var(--line);border-radius:6px 6px 18px 18px;padding:20px 22px;box-shadow:0 18px 40px rgba(15,34,51,.1);position:relative;align-self:start}
.el-receipt::before{content:"";position:absolute;left:0;right:0;top:0;height:6px;background:repeating-linear-gradient(90deg,var(--mark) 0 12px,var(--blue) 12px 24px);border-radius:6px 6px 0 0}
.el-receipt header{display:flex;justify-content:space-between;align-items:center;margin-top:6px;padding-bottom:12px;border-bottom:2px dashed var(--line);font-size:12px;letter-spacing:.1em}
.el-receipt header span{color:var(--muted);font-weight:700}
.el-receipt ul{list-style:none;margin:0;padding:12px 0;display:grid;gap:10px;border-bottom:2px dashed var(--line)}
.el-receipt li{display:flex;align-items:baseline;gap:8px;font-size:14.5px}
.el-receipt li i{flex:1;border-bottom:2px dotted #C9D6DA;transform:translateY(-3px)}
.el-receipt li b{font-variant-numeric:tabular-nums}
.el-receipt li small{display:inline-block;margin-left:4px;padding:1px 7px;border-radius:99px;background:var(--mark-2);color:#5C4B00;font-size:11.5px;font-weight:800}
.el-receipt.is-updated{animation:elPulse .6s ease}
@keyframes elPulse{0%{box-shadow:0 0 0 0 rgba(243,212,107,.9)}100%{box-shadow:0 0 0 18px rgba(243,212,107,0)}}
.el-yearly{display:flex;justify-content:space-between;align-items:baseline;padding:10px 0;border-bottom:2px dashed var(--line);font-size:14.5px}
.el-yearly span{font-weight:700}
.el-yearly b{font-variant-numeric:tabular-nums}
.el-total{display:flex;justify-content:space-between;align-items:flex-start;padding:14px 0 12px}
.el-total span{font-size:14px;font-weight:700}
.el-total span small{display:block;margin-top:3px;font-size:12.5px;font-weight:500;color:var(--muted)}
.el-total b{font-size:28px;letter-spacing:-.03em;font-weight:800;color:var(--deep)}
.el-split{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.el-split>div{padding:11px 14px;border-radius:12px;background:var(--paper);border:1px solid var(--line)}
.el-split .hi{background:var(--mark-2);border-color:var(--mark)}
.el-split small{display:block;font-size:11.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}
.el-split .hi small{color:#5C4B00}
.el-split b{display:block;font-size:20px;letter-spacing:-.02em;font-weight:800;margin-top:2px}
.el-receipt>p{font-size:12px;line-height:1.5;margin-top:12px}

/* Phases */
.el-phases{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.el-phases li{display:flex;gap:14px;align-items:flex-start;padding:20px;background:#fff;border:1px solid var(--line);border-radius:16px}
.el-phases li>b{width:36px;height:36px;border-radius:50%;flex:none;display:grid;place-items:center;font-size:16px;color:#fff;background:var(--blue)}
.el-phases .ph2>b{background:#D9A400;color:#2A2205}
.el-phases .ph3>b{background:var(--teal)}
.el-phases h3{font-size:17px;font-weight:800}
.el-phases p{font-size:14px;line-height:1.55;margin-top:4px}
.el-bar{display:flex;height:34px;margin-top:22px;border-radius:99px;overflow:hidden;border:1px solid var(--line)}
.el-bar i{display:grid;place-items:center;font-style:normal;font-size:12.5px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:#fff}
.el-bar .b1{flex:40;background:var(--blue)}
.el-bar .b2{flex:22;background:var(--mark);color:#2A2205;background-image:repeating-linear-gradient(135deg,rgba(255,255,255,.35) 0 6px,transparent 6px 12px)}
.el-bar .b3{flex:38;background:var(--teal)}
.el-barnote{font-size:12.5px!important;text-align:center;margin-top:8px!important}

/* Syllabus */
.el-syllabus{display:grid;grid-template-columns:.8fr 1.2fr;gap:52px;align-items:start}
.el-syllabus .el-head{margin-bottom:0}
.el-toc{list-style:none;margin:0;padding:0}
.el-toc li{display:grid;grid-template-columns:70px 1fr auto;gap:16px;align-items:center;padding:16px 0;border-bottom:2px dotted #C9D6DA}
.el-toc li:first-child{border-top:2px dotted #C9D6DA}
.el-ch{font-size:12px;font-weight:800;letter-spacing:.08em;color:var(--blue);background:#DCEFF5;padding:5px 8px;border-radius:6px;text-align:center}
.el-toc h3{font-size:17px;font-weight:800}
.el-toc p{font-size:14px;margin-top:2px;line-height:1.5}
.el-ico{width:40px;height:40px;border-radius:50%;background:var(--mark-2);color:#7A5B00;display:grid;place-items:center}

/* Notice board */
.el-board{background:radial-gradient(#E6D9BC 1.2px,transparent 1.6px) 0 0/18px 18px,#F6EFE0}
.el-notes{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;padding-top:10px}
.el-notes article{position:relative;padding:34px 22px 24px;box-shadow:0 14px 26px rgba(80,60,20,.18);transition:transform .2s ease;min-height:220px}
.el-notes .note1{background:#FFF1B8;transform:rotate(-2deg)}
.el-notes .note2{background:#D8EEF3;transform:rotate(1.5deg) translateY(10px)}
.el-notes .note3{background:#FFE0D6;transform:rotate(-1deg)}
.el-notes .note4{background:#DDF1DF;transform:rotate(2deg) translateY(10px)}
.el-notes article:hover{transform:rotate(0) translateY(-4px)}
.el-pin{position:absolute;top:-8px;left:50%;width:18px;height:18px;margin-left:-9px;border-radius:50%;background:radial-gradient(circle at 35% 30%,#FF8A7A,#C0392B);box-shadow:0 3px 5px rgba(0,0,0,.3)}
.el-nico{display:inline-grid;place-items:center;width:40px;height:40px;border-radius:12px;background:rgba(255,255,255,.7);color:var(--deep);margin-bottom:12px}
.el-notes h3{font-size:17px;font-weight:800;margin-bottom:6px}
.el .el-notes p{color:#3E4C57;font-size:14px;line-height:1.55}

/* Index cards */
.el-cards{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.el-card{background:#fff;border:1px solid var(--line);border-radius:6px 6px 16px 16px;box-shadow:0 12px 26px rgba(15,34,51,.07);overflow:hidden}
.el-card header{display:flex;align-items:center;gap:10px;padding:14px 22px;border-bottom:2px solid #E58B8B;background:#fff}
.el-card header svg{color:var(--blue)}
.el-card header b{font-size:16px;font-weight:800}
.el-card.c2 header svg{color:#B7791F}
.el-card ul{list-style:none;margin:0;padding:0}
.el-card li{display:flex;align-items:center;gap:12px;min-height:44px;padding:0 22px;border-bottom:1px solid var(--rule);font-size:15px;background:linear-gradient(90deg,transparent 0,transparent 100%)}
.el-card li:last-child{border-bottom:0}
.el-card li svg{color:var(--teal);flex:none}

/* Chalkboard */
.el-chalk-wrap{padding:24px 0 56px}
.el-chalk{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center;padding:38px 42px;border-radius:16px;border:10px solid #8A6A45;color:#fff;background:radial-gradient(600px 240px at 20% 0,rgba(255,255,255,.07),transparent 70%),#173D38;box-shadow:inset 0 0 40px rgba(0,0,0,.35),0 20px 40px rgba(15,34,51,.18)}
.el-chalk small{display:block;font-size:12px;font-weight:800;letter-spacing:.16em;color:var(--mark)}
.el-chalk h2{color:#fff;font-size:clamp(23px,2.6vw,32px);line-height:1.2;letter-spacing:-.025em;margin:8px 0 12px;font-weight:800}
.el .el-chalk p{color:rgba(255,255,255,.78);font-size:15.5px}
.el-chalk ul{list-style:none;margin:0;padding:0;display:grid;gap:12px}
.el-chalk li{display:flex;gap:12px;align-items:flex-start;font-size:15.5px;line-height:1.45;font-weight:600;color:#F1F6F4;padding-bottom:12px;border-bottom:2px dashed rgba(255,255,255,.22)}
.el-chalk li:last-child{border-bottom:0;padding-bottom:0}
.el-chalk li svg{color:var(--mark);margin-top:3px;flex:none}

/* Flashcards */
.el-flash{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.el-fc{all:unset;box-sizing:border-box;cursor:pointer;display:grid;min-height:190px;padding:22px;border-radius:6px 20px 20px 20px;position:relative;box-shadow:0 12px 24px rgba(15,34,51,.09);transition:transform .2s ease,box-shadow .2s ease}
.el-fc:hover{transform:translateY(-3px);box-shadow:0 16px 30px rgba(15,34,51,.14)}
.el-fc:focus-visible{outline:3px solid var(--blue);outline-offset:3px}
.el-fc.fc1{background:#FFF1BF}.el-fc.fc2{background:#DCEFF5}.el-fc.fc3{background:#FFE3D9}
.el-fc>span{grid-area:1/1;display:flex;flex-direction:column;gap:8px;transition:opacity .25s ease,transform .25s ease}
.el-fq small,.el-fa small{font-size:11.5px;font-weight:800;letter-spacing:.14em;color:rgba(15,34,51,.55)}
.el-fq b{font-size:18px;line-height:1.3;letter-spacing:-.015em;font-weight:800;color:var(--ink)}
.el-fq em{margin-top:auto;display:inline-flex;align-items:center;gap:6px;font-style:normal;font-size:13px;font-weight:700;color:var(--deep)}
.el-fa{opacity:0;transform:translateY(8px);pointer-events:none}
.el-fa>span{font-size:14.5px;line-height:1.6;color:#26343F}
.el-fc.is-flipped .el-fq{opacity:0;transform:translateY(-8px)}
.el-fc.is-flipped .el-fa{opacity:1;transform:none}

/* CTA + related */
.el-cta{background:linear-gradient(135deg,var(--blue),var(--deep));padding:34px 0}
.el-cta .container{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.el-cta small{display:block;font-size:11.5px;font-weight:800;letter-spacing:.14em;color:var(--mark);margin-bottom:6px}
.el-cta h2{color:#fff;font-size:clamp(21px,2.4vw,29px);max-width:620px;line-height:1.22;letter-spacing:-.02em}
.el-related{padding:32px 0 48px}

/* Tablet & mobile */
@media (max-width:1024px){
  .el-notes{grid-template-columns:repeat(2,1fr);gap:26px 22px}
  .el-flash{grid-template-columns:repeat(2,1fr)}
  .el-phases{grid-template-columns:1fr}
}
@media (max-width:900px){
  .el-planwrap,.el-syllabus,.el-chalk{grid-template-columns:1fr;gap:28px}
  .el-plan{grid-template-columns:1fr}
}
@media (max-width:820px){
  .el-hero{padding:36px 0 32px}
  .el-hero-grid,.el-cards{grid-template-columns:1fr;gap:26px}
  .el-facts li:nth-child(2),.el-facts li:nth-child(4){transform:none}
  .el-section{padding:44px 0}
  .el-chalk{padding:26px 22px;border-width:8px}
}
@media (max-width:560px){
  .el-facts,.el-notes,.el-flash{grid-template-columns:1fr}
  .el-actions .el-btn{width:100%;justify-content:center}
  .el-toc li{grid-template-columns:1fr auto}
  .el-ch{grid-column:1/-1;justify-self:start}
  .el-notes .note1,.el-notes .note2,.el-notes .note3,.el-notes .note4{transform:none}
}
@media (prefers-reduced-motion:reduce){.el *{transition:none!important;animation:none!important}}