/**
 * Phoenix hover defaults (Figma rest states unchanged).
 * Teal #00A9B2 = text links. Yellow #FDB913 = icons / yellow pills.
 * All `.btn` get a visible hover even when Figma has no Hover variant.
 * Yellow gradient/outline CTAs: add class `phoenix-yellow-btn` (solid #FDB913, keep shadow, never darken).
 */
@media (hover: hover) {
  a.btn:not(:disabled),
  button.btn:not(:disabled) {
    transition: filter 180ms ease, transform 180ms ease, box-shadow 180ms ease, background-color 180ms ease, color 180ms ease, border-color 180ms ease;
  }
  a.btn:not(:disabled):not(.phoenix-nav__chevron):not(.phoenix-header__icon-btn):not(.phoenix-yellow-btn):hover,
  button.btn:not(:disabled):not(.phoenix-nav__chevron):not(.phoenix-header__icon-btn):not(.phoenix-yellow-btn):hover {
    filter: brightness(0.88);
    transform: translateY(-1px);
    box-shadow: 0 4px 14px rgba(15, 23, 45, 0.2);
  }

  /* —— Yellow gradient + outline CTAs: solid #FDB913 (Community Funding Learn more). Never darken. —— */
  .phoenix-yellow-btn,
  .footer_newsletter__submit,
  .phoenix-mobile-cta-bar__login,
  .phoenix-mobile-nav__cta-login,
  .phoenix-mobile-nav__cta-join,
  .loan_rates__apply,
  .document_list__dl,
  .newsletter_signup__submit,
  .form_embed__submit,
  .calculator_embed__apply,
  .calculator_embed__save,
  .cta_banner--dark .cta_banner__btn--primary,
  .homepage_hero__cta-primary,
  .homepage_hero__calc-apply,
  .homepage_hero__calc-save,
  .prize_draw__cta,
  .find_us__phone,
  .community_funding__cta,
  .phoenix-header__login,
  .phoenix-help-faq__dl,
  .phoenix-help-actions__btn--phone,
  .phoenix-help-fraud__btn--solid,
  .phoenix-help-fraud__btn--outline {
    transition: background 180ms ease, background-image 180ms ease, color 180ms ease, border-color 180ms ease, filter 180ms ease, opacity 180ms ease, transform 180ms ease, box-shadow 180ms ease;
  }
  .phoenix-yellow-btn:hover,
  .footer_newsletter__submit:hover,
  .phoenix-mobile-cta-bar__login:hover,
  .phoenix-mobile-nav__cta-login:hover,
  .phoenix-mobile-nav__cta-join:hover,
  .loan_rates__apply:hover,
  .document_list__dl:hover,
  .newsletter_signup__submit:hover,
  .form_embed__submit:hover,
  .calculator_embed__apply:hover,
  .calculator_embed__save:hover,
  .cta_banner--dark .cta_banner__btn--primary:hover,
  .homepage_hero__cta-primary:hover,
  .homepage_hero__calc-apply:hover,
  .homepage_hero__calc-save:hover,
  .prize_draw__cta:hover,
  .find_us__phone:hover,
  .community_funding__cta:hover,
  a.btn.phoenix-header__login:hover,
  .phoenix-header__login:hover,
  .phoenix-help-faq__dl:hover,
  .phoenix-help-actions__btn--phone:hover,
  .phoenix-help-fraud__btn--solid:hover,
  .phoenix-help-fraud__btn--outline:hover {
    filter: none !important;
    opacity: 1 !important;
    background: #FDB913 !important;
    background-image: none !important;
    color: #0F172D !important;
    border-color: #FDB913 !important;
    transform: translateY(-1px);
    box-shadow: 0 4px 12px rgba(15, 23, 45, 0.18);
  }

  /* —— Navy / outline buttons —— */
  .cta_banner--accent .cta_banner__btn--primary,
  .cta_banner--light .cta_banner__btn--primary,
  .cta_banner--accent .cta_banner__btn--secondary,
  .cta_banner--light .cta_banner__btn--secondary,
  .cta_banner--dark .cta_banner__btn--secondary {
    transition: background-color 180ms ease, color 180ms ease, border-color 180ms ease, transform 180ms ease;
  }
  .cta_banner--accent .cta_banner__btn--primary:hover,
  .cta_banner--light .cta_banner__btn--primary:hover {
    background-color: #0F172D;
    transform: translateY(-1px);
  }
  .cta_banner--accent .cta_banner__btn--secondary:hover,
  .cta_banner--light .cta_banner__btn--secondary:hover {
    background-color: rgba(31, 48, 95, 0.08);
  }
  .cta_banner--dark .cta_banner__btn--secondary:hover {
    background-color: rgba(255, 255, 255, 0.12);
  }
  /* —— Text links —— */
  .why_phoenix__cta,
  .explore_products__view-all,
  .help_strip__phone,
  .help_strip__cta,
  .calculator_embed__edit,
  .page_hero__crumbs a,
  .legal_text__toc-link,
  .rich_text__editor a,
  .site_sitemap__nav a,
  .newsletter_signup__consent a,
  .form_embed__consent a,
  a.video_embed__caption-text {
    transition: color 180ms ease;
  }
  .why_phoenix__cta:hover,
  .explore_products__view-all:hover,
  .legal_text__toc-link:hover,
  .rich_text__editor a:hover,
  .site_sitemap__nav a:hover {
    color: #00A9B2;
  }
  .help_strip__phone:hover,
  .help_strip__cta:hover,
  .page_hero__crumbs a:hover {
    color: #0F172D;
    text-decoration: underline;
    text-underline-offset: 2px;
  }
  .calculator_embed__edit:hover {
    color: #FDB913;
  }
  .newsletter_signup__consent a:hover,
  .form_embed__consent a:hover,
  a.video_embed__caption-text:hover {
    color: #FDB913;
  }

  /* —— Cards —— */
  .quick_actions__card,
  .explore_products__footer {
    transition: box-shadow 180ms ease, transform 180ms ease, background-color 180ms ease;
  }
  .explore_products__card {
    transition: box-shadow 100ms ease-out, transform 100ms ease-out, background-color 100ms ease-out;
  }
  .quick_actions__card {
    transition: background-color 180ms ease, color 180ms ease;
  }
  .quick_actions__title,
  .quick_actions__desc {
    transition: color 180ms ease;
  }
  .quick_actions__card:hover,
  .quick_actions__card:focus-visible {
    background: #1F305F;
    box-shadow: none;
    transform: none;
  }
  .quick_actions__card:hover .quick_actions__title,
  .quick_actions__card:hover .quick_actions__desc,
  .quick_actions__card:focus-visible .quick_actions__title,
  .quick_actions__card:focus-visible .quick_actions__desc {
    color: #FDB913;
  }
  .explore_products__photo img,
  .explore_products__illustration img {
    transition: filter 100ms ease-out;
  }
  .explore_products__card:hover {
    box-shadow: 0 12px 28px rgba(31, 48, 95, 0.16);
    transform: translateY(-8px);
  }
  .explore_products__card:hover .explore_products__photo img,
  .explore_products__card:focus-within .explore_products__photo img {
    filter: grayscale(1);
  }
  .explore_products__card:hover .explore_products__illustration img,
  .explore_products__card:focus-within .explore_products__illustration img {
    filter: grayscale(1);
  }
  .explore_products__card:hover .explore_products__footer {
    background: #144A84;
  }
  .document_list__row {
    transition: background-color 180ms ease;
  }
  .document_list__row:hover {
    background-color: #EFEFEF;
  }
  .document_list__row:hover .document_list__name {
    color: #1F305F;
  }

  /* —— FAQ / chips / dots —— */
  .faq_accordion__q,
  .faq_accordion__icon {
    transition: color 180ms ease, transform 180ms ease;
  }
  .faq_accordion__trigger:hover .faq_accordion__q {
    color: #00A9B2;
  }
  .page_nav__chip:hover:not(.page_nav__chip--active) {
    background: #1F305F;
    color: #fff;
  }
  .testimonial__dot {
    transition: background-color 180ms ease, transform 180ms ease;
  }
  .testimonial__dot:hover:not(.is-active) {
    background: #FDB913;
    transform: scale(1.2);
  }

  /* —— Media / logos / play —— */
  a.logos_strip__logo {
    display: inline-block;
    transition: transform 180ms ease, opacity 180ms ease;
  }
  a.logos_strip__logo:hover {
    opacity: 0.75;
    transform: scale(1.04);
  }
  .video_embed__play-icon {
    transition: transform 180ms ease;
  }
  .video_embed__play:hover .video_embed__play-icon {
    transform: scale(1.08);
  }

  /* —— Homepage remaining flexi —— */
  .homepage_hero__dot {
    transition: background-color 180ms ease, transform 180ms ease, opacity 180ms ease;
  }
  .homepage_hero__dot:hover:not([aria-selected="true"]) {
    background-color: #FDB913;
    transform: scale(1.15);
  }
  .find_us__directions {
    transition: color 180ms ease;
  }
  .find_us__directions:hover {
    color: #FDB913;
  }
  .find_us__item-head:hover .find_us__item-name {
    color: #00A9B2;
  }

  /* —— Help & news pages —— */
  .phoenix-help-hero__crumbs a,
  .phoenix-article-hero__crumbs a,
  .phoenix-help-faq__all,
  .phoenix-help-faq__q {
    transition: color 180ms ease;
  }
  .phoenix-help-hero__crumbs a:hover,
  .phoenix-article-hero__crumbs a:hover {
    color: #0F172D;
    text-decoration: underline;
    text-underline-offset: 2px;
  }
  .phoenix-help-faq__all:hover,
  .phoenix-help-faq__row:hover .phoenix-help-faq__q {
    color: #00A9B2;
  }
  .phoenix-help-extra__btn,
  .phoenix-help-actions__btn--navy {
    transition: background-color 180ms ease, transform 180ms ease;
  }
  .phoenix-help-extra__btn:hover,
  .phoenix-help-actions__btn--navy:hover {
    background-color: #0F172D;
    transform: translateY(-1px);
  }
  .phoenix-help-topics__card,
  .phoenix-news__card,
  .phoenix-news__featured {
    transition: box-shadow 180ms ease, transform 180ms ease;
  }
  .phoenix-help-topics__card:hover,
  .phoenix-news__card:hover,
  .phoenix-news__featured:hover {
    box-shadow: 0 8px 24px rgba(31, 48, 95, 0.12);
    transform: translateY(-2px);
  }
  .phoenix-news__chip:hover:not(.is-active) {
    background: #1F305F;
    color: #fff;
  }
  .phoenix-news__loadmore-btn,
  .phoenix-news__pager-num,
  .phoenix-news__pager-dir {
    transition: color 180ms ease, background-color 180ms ease;
  }
  .phoenix-news__loadmore-btn:hover,
  a.phoenix-news__pager-num:hover,
  a.phoenix-news__pager-dir:hover {
    color: #00A9B2;
  }
  .phoenix-article__share-btn {
    transition: background-color 180ms ease, transform 180ms ease;
  }
  .phoenix-article__share-btn:hover {
    background-color: #00A9B2;
    opacity: 1;
    transform: scale(1.06);
  }
  .phoenix-help-hero__search-btn {
    transition: transform 180ms ease;
  }
  .phoenix-help-hero__search-btn:hover {
    transform: scale(1.08);
  }
}

@media (prefers-reduced-motion: reduce) {
  a.btn,
  button.btn,
  .loan_rates__apply,
  .document_list__dl,
  .newsletter_signup__submit,
  .form_embed__submit,
  .calculator_embed__apply,
  .calculator_embed__save,
  .community_funding__cta,
  .footer_newsletter__submit,
  .phoenix-yellow-btn,
  .cta_banner__btn,
  .quick_actions__card,
  .quick_actions__badge,
  .explore_products__card,
  .video_embed__play-icon,
  a.logos_strip__logo {
    transition: none;
  }
  a.btn:hover,
  button.btn:hover,
  .loan_rates__apply:hover,
  .document_list__dl:hover,
  .newsletter_signup__submit:hover,
  .form_embed__submit:hover,
  .calculator_embed__apply:hover,
  .community_funding__cta:hover,
  .footer_newsletter__submit:hover,
  .phoenix-yellow-btn:hover,
  .quick_actions__card:hover,
  .explore_products__card:hover,
  .video_embed__play:hover .video_embed__play-icon,
  a.logos_strip__logo:hover {
    transform: none;
  }
}