.facts-section {
  background:
    radial-gradient(700px 320px at 80% 0%, rgba(21, 94, 239, 0.06), transparent 60%),
    transparent;
}

.facts-heading {
  max-width: 1260px;
  margin: 0 auto 3rem;
  display: grid;
  grid-template-columns: 1.35fr .65fr;
  gap: 3rem;
  align-items: end;
}

.facts-heading h2 {
  max-width: 800px;
  margin: 0;
  font-size: clamp(2.5rem, 5.5vw, 4.8rem);
}

.facts-heading > p {
  color: var(--muted);
  font-size: 1.05rem;
}

.facts-grid {
  max-width: 1260px;
  margin: auto;
  display: grid;
  grid-template-columns: repeat(12, 1fr);
  gap: 1rem;
}

.fact-card {
  grid-column: span 4;
  min-height: 360px;
  padding: 1.5rem;
  display: flex;
  flex-direction: column;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.72);
  box-shadow: var(--shadow);
}

.fact-card h3 {
  margin: auto 0 .75rem;
  font: 700 1.25rem/1.15 var(--font-display);
  letter-spacing: -.03em;
}

.fact-card > p:last-of-type {
  margin-bottom: 0;
  color: var(--muted);
  font-size: .9rem;
}

.fact-tag {
  margin: 0 0 .75rem;
  color: var(--sea);
  font-size: .7rem;
  font-weight: 800;
  letter-spacing: .12em;
  text-transform: uppercase;
}

.fact-number {
  display: block;
  color: var(--ink);
  font: 700 clamp(2.5rem, 5vw, 4.2rem)/1 var(--font-display);
  letter-spacing: -.05em;
}

.fact-debt {
  grid-column: span 8;
  min-height: 430px;
  background: linear-gradient(165deg, var(--ink), #16352c);
  color: white;
  border-color: transparent;
}

.fact-debt .fact-tag { color: var(--gold-soft); }
.fact-debt .fact-number { color: var(--gold-soft); }
.fact-debt > p:last-of-type { color: #c9d8d4; }

.fact-punchline {
  margin-top: 1.2rem;
  padding-top: 1rem;
  border-top: 1px solid #48615c;
  color: #9fe3d0;
  font-weight: 700;
}

.fact-abroad {
  background: linear-gradient(165deg, #dff3ec, #cfe8df);
}

.fact-repayment {
  grid-column: span 8;
  min-height: 500px;
  background: linear-gradient(165deg, #e8efff, #dce6ff);
}

.fact-repayment h3 { margin: 1.2rem 0; }

.repayment-facts {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: .65rem;
}

.repayment-facts span {
  padding: .8rem;
  display: grid;
  align-content: start;
  border: 1px solid #b6c9e9;
  border-radius: 11px;
  background: rgba(255, 255, 255, 0.55);
  font-size: .76rem;
}

.repayment-facts strong {
  color: var(--ink);
  font: 700 1.05rem var(--font-display);
}

.inflation-example {
  margin-top: 1rem;
  padding: 1rem;
  display: grid;
  grid-template-columns: auto 1fr;
  gap: .1rem 1rem;
  align-items: center;
  border-radius: 12px;
  background: var(--ink);
  color: white;
}

.inflation-example > span {
  align-self: end;
  color: var(--gold-soft);
  font-size: .7rem;
  font-weight: 800;
  letter-spacing: .1em;
  text-transform: uppercase;
}

.inflation-example > strong {
  grid-row: 1 / 3;
  grid-column: 2;
  color: var(--gold-soft);
  font: 700 clamp(2rem, 4vw, 3.1rem)/1 var(--font-display);
  letter-spacing: -.05em;
  text-align: right;
}

.inflation-example p {
  margin: .2rem 0 0;
  color: #c9d8d4;
  font-size: .72rem;
}

.late-fee-note {
  margin-top: 1rem !important;
  font-size: .72rem !important;
}

.fact-assets {
  background: linear-gradient(165deg, var(--gold-soft), #f8efd4);
}

.fact-work {
  background: linear-gradient(165deg, #ffe4d6, #ffd4c2);
}

.fact-radio {
  background: linear-gradient(165deg, #e8efff, #dce6ff);
}

.fact-firstgen {
  background: rgba(255, 255, 255, 0.8);
}

.fact-firstgen .fact-number {
  font-size: clamp(2.1rem, 4vw, 3.5rem);
}

.facts-cta {
  max-width: 1260px;
  margin: 1rem auto 0;
  padding: clamp(1.4rem, 3vw, 2rem);
  display: grid;
  grid-template-columns: 1.1fr 1fr auto;
  gap: 2rem;
  align-items: center;
  border-radius: var(--radius);
  background: linear-gradient(120deg, #dff3ec, #cfe8df);
  border: 1px solid var(--line);
}

.facts-cta span {
  font-size: .7rem;
  font-weight: 800;
  letter-spacing: .12em;
}

.facts-cta h3 {
  margin: .3rem 0 0;
  font: 700 clamp(1.5rem, 3vw, 2.1rem)/1.1 var(--font-display);
  letter-spacing: -.04em;
}

.facts-cta p { margin: 0; }

.facts-disclaimer {
  max-width: 1260px;
  margin: 1rem auto 0;
  color: var(--muted);
  font-size: .74rem;
}

@media (max-width: 900px) {
  .facts-heading { grid-template-columns: 1fr; gap: 1rem; }
  .fact-debt,
  .fact-repayment { grid-column: span 12; }
  .fact-card { grid-column: span 6; }
  .facts-cta { grid-template-columns: 1fr; }
}

@media (max-width: 620px) {
  .facts-grid { grid-template-columns: 1fr; }

  .fact-card,
  .fact-debt,
  .fact-repayment {
    grid-column: auto;
    min-height: 330px;
  }

  .repayment-facts { grid-template-columns: 1fr; }

  .inflation-example { grid-template-columns: 1fr; }

  .inflation-example > strong {
    grid-row: auto;
    grid-column: auto;
    text-align: left;
  }
}