/* ============================================================
   LoanBasix — Landing Page Styles
   ------------------------------------------------------------
   FONT PAIRING JUSTIFICATION
   --------------------------
   PRIMARY:   Montserrat        (geometric sans, all headings & CTAs)
   SECONDARY: Plus Jakarta Sans (humanist sans, body & form labels)

   Why Plus Jakarta Sans?
   It was purpose-built as a UI font for screens, with slightly
   humanist letterforms that feel warm and approachable without
   ever reading as "cute." It complements Montserrat's geometric
   structure (a is two-storey vs. Montserrat's single-storey)
   so the two never compete in hierarchy. At 14–16px on low-DPI
   Android screens it stays remarkably crisp due to its tall
   x-height and open apertures, and its 400/500/600/700 weights
   give us full control over body, labels, and emphasis.
   ============================================================ */

:root {
    /* Brand */
    --color-primary:   #1565C0;
    --color-accent:    #4CAF50;
    --color-accent-d:  #2E7D32;
    --color-accent-l:  #43A047;
    --color-dark:      #0D47A1;
    --color-darker:    #0A2E5C;
    --color-darkest:   #061E3D;
    --color-bg:        #F8FAFC;
    --color-white:     #FFFFFF;

    /* Neutrals (Claude's choice) */
    --gray-50:  #F8FAFC;
    --gray-100: #F1F5F9;
    --gray-200: #E2E8F0;
    --gray-300: #CBD5E1;
    --gray-400: #94A3B8;
    --gray-500: #64748B;
    --gray-600: #475569;
    --gray-700: #334155;
    --gray-800: #1E293B;
    --gray-900: #0F172A;

    /* Semantic */
    --color-error: #DC2626;
    --color-warn:  #F59E0B;
    --color-info-bg: #EFF6FF;

    /* Typography */
    --font-primary: 'Montserrat', system-ui, -apple-system, Segoe UI, Roboto, sans-serif;
    --font-secondary: 'Plus Jakarta Sans', system-ui, -apple-system, Segoe UI, Roboto, sans-serif;

    /* Layout */
    --container: 1200px;
    --radius-sm: 8px;
    --radius:    12px;
    --radius-lg: 16px;
    --radius-xl: 24px;

    /* Shadows */
    --shadow-sm: 0 1px 2px rgba(15, 23, 42, 0.04), 0 1px 3px rgba(15, 23, 42, 0.06);
    --shadow:    0 4px 12px rgba(15, 23, 42, 0.06), 0 2px 4px rgba(15, 23, 42, 0.04);
    --shadow-md: 0 12px 32px rgba(15, 23, 42, 0.08), 0 4px 8px rgba(15, 23, 42, 0.04);
    --shadow-lg: 0 24px 64px rgba(13, 71, 161, 0.18), 0 8px 16px rgba(15, 23, 42, 0.06);
    --shadow-cta: 0 8px 24px rgba(67, 160, 71, 0.4);
    --shadow-cta-hover: 0 14px 32px rgba(67, 160, 71, 0.5);

    /* Header */
    --header-h: 72px;
    --header-control-h: 44px;
}

/* ===================== RESET ===================== */
*, *::before, *::after { box-sizing: border-box; }
html {
    -webkit-text-size-adjust: 100%;
    scroll-behavior: smooth;
    overflow-x: clip; /* strongest horizontal containment — iOS Safari too */
}
html.fluid-scroll {
    scroll-behavior: auto;
}
body {
    margin: 0;
    font-family: var(--font-secondary);
    font-size: 16px;
    line-height: 1.6;
    color: var(--gray-700);
    background: var(--color-bg);
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    overflow-x: clip;
    width: 100%;
    max-width: 100vw;
}
img { max-width: 100%; display: block; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
a { color: var(--color-primary); text-decoration: none; transition: color 0.2s ease-out; }
a:hover { color: var(--color-dark); }
ul { list-style: none; padding: 0; margin: 0; }
input, textarea, select { font-family: inherit; }

h1, h2, h3, h4 {
    font-family: var(--font-primary);
    color: var(--gray-900);
    margin: 0;
    line-height: 1.2;
    letter-spacing: -0.02em;
}

/* Numeric tabular for loan figures */
[data-counter], .stat-num, .result-value, .secondary-value, .slider-value,
.amount-pop, .form-input, #heroEstimate {
    font-variant-numeric: tabular-nums;
}

::selection { background: var(--color-primary); color: var(--color-white); }

/* Focus ring */
:focus-visible {
    outline: 3px solid rgba(21, 101, 192, 0.45);
    outline-offset: 2px;
    border-radius: 4px;
}

/* ===================== UTILS ===================== */
.container {
    width: 100%;
    max-width: var(--container);
    margin: 0 auto;
    padding: 0 24px;
}
.section { padding: 96px 0; overflow: clip; }
.grad-text {
    background: linear-gradient(135deg, #4CAF50 0%, #2E7D32 100%);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
}

/* ===================== BUTTONS ===================== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    font-family: var(--font-primary);
    font-weight: 700;
    font-size: 15px;
    line-height: 1;
    padding: 14px 22px;
    border-radius: var(--radius);
    transition: transform 0.2s ease-out, box-shadow 0.25s ease-out, background 0.2s ease-out;
    will-change: transform;
    transform: translateZ(0);
    backface-visibility: hidden;
    cursor: pointer;
    text-decoration: none;
    color: var(--color-white);
    white-space: nowrap;
}
.btn-cta {
    background: linear-gradient(135deg, var(--color-accent-l) 0%, var(--color-accent-d) 100%);
    color: var(--color-white);
    box-shadow: var(--shadow-cta);
    position: relative;
    overflow: hidden;
}
.btn-cta::before {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, #5DBE60 0%, #388E3C 100%);
    opacity: 0;
    transition: opacity 0.25s ease-out;
    z-index: 0;
}
.btn-cta > * { position: relative; z-index: 1; }
.btn-cta:hover { transform: translateY(-2px); box-shadow: var(--shadow-cta-hover); color: #fff; }
.btn-cta:hover::before { opacity: 1; }
.btn-cta:active { transform: translateY(0) scale(0.98); }

/* Nav + hero form: blue by default, brand green on hover (overrides green .btn-cta) */
.header-cta.btn-cta,
.btn-submit.btn-cta {
    background: linear-gradient(135deg, #1976D2 0%, var(--color-dark) 100%);
    box-shadow:
        inset 0 1px 0 rgba(255, 255, 255, 0.18),
        0 10px 28px -4px rgba(13, 71, 161, 0.45),
        0 4px 10px -2px rgba(13, 71, 161, 0.25);
}
.header-cta.btn-cta::before,
.btn-submit.btn-cta::before {
    background: linear-gradient(135deg, var(--color-accent-l) 0%, var(--color-accent-d) 100%);
}
.header-cta.btn-cta,
.header-cta.btn-cta:hover,
.header-cta.btn-cta:focus-visible,
.header-cta.btn-cta:active {
    color: var(--color-white);
}
.header-cta .btn-arrow {
    flex-shrink: 0;
}

/* ===================== HEADER (LIGHT) ===================== */
.site-header {
    position: fixed;
    top: 0; left: 0; right: 0;
    height: var(--header-h);
    z-index: 100;
    background: rgba(255, 255, 255, 0.7);
    backdrop-filter: saturate(180%) blur(18px);
    -webkit-backdrop-filter: saturate(180%) blur(18px);
    border-bottom: 1px solid rgba(15, 23, 42, 0.04);
    transition: background 0.25s ease-out, box-shadow 0.25s ease-out, border-color 0.25s ease-out;
}
.site-header.scrolled {
    background: rgba(255, 255, 255, 0.92);
    box-shadow: 0 6px 24px rgba(15, 23, 42, 0.06);
    border-bottom-color: rgba(15, 23, 42, 0.06);
}
.header-inner {
    height: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
}
.logo-link { display: flex; align-items: center; }
.logo-img {
    height: 54px;
    width: auto;
}

/* ---- Loan Types Dropdown ---- */
.loan-dropdown {
    position: relative;
}
.loan-dropdown-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
    min-height: var(--header-control-h);
    background: none;
    border: 1.5px solid var(--gray-200);
    border-radius: 12px;
    padding: 0 16px;
    font-family: var(--font-primary);
    font-size: 14px;
    font-weight: 600;
    color: var(--gray-700);
    cursor: pointer;
    transition: border-color 0.2s, color 0.2s, background 0.2s;
    white-space: nowrap;
}
.loan-dropdown-btn:hover {
    border-color: var(--color-primary);
    color: var(--color-primary);
    background: rgba(21,101,192,0.04);
}
.dropdown-chevron {
    transition: transform 0.2s ease;
    flex-shrink: 0;
}
.loan-dropdown.open .dropdown-chevron { transform: rotate(180deg); }
.loan-dropdown-menu {
    display: none;
    position: absolute;
    top: calc(100% + 10px);
    right: 0;
    min-width: 260px;
    background: var(--color-white);
    border: 1px solid var(--gray-200);
    border-radius: 14px;
    box-shadow: 0 16px 48px -8px rgba(15,23,42,0.18), 0 4px 16px -4px rgba(15,23,42,0.08);
    padding: 6px;
    list-style: none;
    z-index: 200;
    animation: dropdownFade 0.18s ease-out both;
}
.loan-dropdown.open .loan-dropdown-menu { display: block; }
@keyframes dropdownFade {
    from { opacity: 0; transform: translateY(-6px); }
    to   { opacity: 1; transform: translateY(0); }
}
.loan-dropdown-item {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 10px 12px;
    border-radius: 10px;
    text-decoration: none;
    color: var(--gray-900);
    transition: background 0.15s;
}
.loan-dropdown-item:hover { background: var(--gray-50); }
.loan-type-icon { font-size: 20px; flex-shrink: 0; line-height: 1; }
.loan-dropdown-item strong { display: block; font-size: 13.5px; font-weight: 600; font-family: var(--font-primary); }
.loan-dropdown-item small  { display: block; font-size: 12px; color: var(--gray-500); margin-top: 1px; }

.header-nav {
    display: flex;
    gap: 32px;
    margin-left: auto;
    margin-right: 28px;
}
.nav-link {
    font-family: var(--font-primary);
    font-size: 14px;
    font-weight: 600;
    color: var(--gray-700);
    transition: color 0.2s ease-out;
    position: relative;
}
.nav-link::after {
    content: '';
    position: absolute;
    left: 0; right: 0; bottom: -6px;
    height: 2px;
    background: var(--color-accent);
    transform: scaleX(0);
    transform-origin: left center;
    transition: transform 0.25s ease-out;
}
.nav-link:hover { color: var(--color-dark); }
.nav-link:hover::after { transform: scaleX(1); }

.header-actions { display: flex; align-items: center; gap: 18px; }
.header-cta {
    min-height: var(--header-control-h);
    border-radius: 12px;
    padding: 0 18px;
}
.header-phone {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: var(--gray-700);
    font-family: var(--font-primary);
    font-weight: 600;
    font-size: 14px;
    transition: color 0.2s ease-out;
}
.header-phone svg { color: var(--color-accent-d); }
.header-phone:hover { color: var(--color-dark); }
.header-cta {
    min-height: var(--header-control-h);
    padding: 0 18px;
    font-size: 14px;
    border-radius: 12px;
}

/* ---- Hamburger button (mobile only, hidden on desktop) ---- */
.mob-menu-btn {
    display: none;
    flex-direction: column;
    justify-content: center;
    gap: 5px;
    width: 40px;
    height: 40px;
    padding: 8px;
    border-radius: 10px;
    border: 1.5px solid var(--gray-200);
    background: none;
    cursor: pointer;
    flex-shrink: 0;
    transition: border-color 0.2s, background 0.2s;
}
.mob-menu-btn:hover { border-color: var(--color-primary); background: rgba(21,101,192,0.04); }
.mob-menu-btn__bar {
    display: block;
    width: 100%;
    height: 2px;
    border-radius: 2px;
    background: var(--gray-700);
    transition: transform 0.28s ease, opacity 0.2s ease, background 0.2s;
}
.mob-menu-btn.is-open .mob-menu-btn__bar:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.mob-menu-btn.is-open .mob-menu-btn__bar:nth-child(2) { opacity: 0; transform: scaleX(0); }
.mob-menu-btn.is-open .mob-menu-btn__bar:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Invisible spacer that mirrors the hamburger on the right to keep logo centred */
.mob-header-spacer {
    display: none;
    width: 40px;
    flex-shrink: 0;
}

/* ---- Mobile Menu Drawer ---- */
.mob-menu {
    position: fixed;
    inset: 0;
    z-index: 999;
    pointer-events: none;
    visibility: hidden;
}
.mob-menu.is-open {
    pointer-events: auto;
    visibility: visible;
}

/* Backdrop — fades in */
.mob-menu__backdrop {
    position: absolute;
    inset: 0;
    background: rgba(6, 18, 40, 0.52);
    backdrop-filter: blur(4px);
    -webkit-backdrop-filter: blur(4px);
    opacity: 0;
    transition: opacity 0.3s ease;
}
.mob-menu.is-open .mob-menu__backdrop { opacity: 1; }

/* Panel — slides in from the right (edge drawer) */
.mob-menu__panel {
    position: absolute;
    top: 0;
    bottom: 0;
    right: 0;
    left: auto;
    width: min(100%, 420px);
    max-width: 100%;
    height: 100%;
    background: var(--color-white);
    border-radius: 24px 0 0 24px;
    padding: 0 0 8px;
    box-shadow:
        -12px 0 48px -12px rgba(15, 23, 42, 0.22),
        -4px 0 24px -8px rgba(15, 23, 42, 0.12);
    transform: translateX(105%);
    transition: transform 0.46s cubic-bezier(0.16, 1, 0.3, 1);
    overflow-y: auto;
    overscroll-behavior: contain;
}
.mob-menu.is-open .mob-menu__panel {
    transform: translateX(0);
}

/* Stagger-in each block when open */
.mob-menu__panel > * {
    opacity: 0;
    transform: translateX(12px);
    transition: opacity 0.28s ease, transform 0.28s ease;
}
.mob-menu.is-open .mob-menu__panel > *:nth-child(1) { opacity: 1; transform: none; transition-delay: 0.12s; }
.mob-menu.is-open .mob-menu__panel > *:nth-child(2) { opacity: 1; transform: none; transition-delay: 0.18s; }
.mob-menu.is-open .mob-menu__panel > *:nth-child(3) { opacity: 1; transform: none; transition-delay: 0.24s; }
.mob-menu.is-open .mob-menu__panel > *:nth-child(4) { opacity: 1; transform: none; transition-delay: 0.28s; }
.mob-menu.is-open .mob-menu__panel > *:nth-child(5) { opacity: 1; transform: none; transition-delay: 0.32s; }
.mob-menu.is-open .mob-menu__panel > *:nth-child(6) { opacity: 1; transform: none; transition-delay: 0.35s; }
.mob-menu.is-open .mob-menu__panel > *:nth-child(7) { opacity: 1; transform: none; transition-delay: 0.38s; }

/* Header row */
.mob-menu__header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 14px 18px;
    border-bottom: 1px solid var(--gray-100);
}
.mob-menu__logo { height: 44px; width: auto; }
.mob-menu__close {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 38px;
    height: 38px;
    border-radius: 10px;
    border: 1.5px solid var(--gray-200);
    background: none;
    color: var(--gray-600);
    cursor: pointer;
    transition: border-color 0.18s, color 0.18s, background 0.18s, transform 0.22s ease;
}
.mob-menu__close:hover {
    border-color: var(--color-primary);
    color: var(--color-primary);
    background: rgba(21,101,192,0.05);
    transform: rotate(90deg);
}

/* Nav links */
.mob-menu__nav {
    list-style: none;
    padding: 10px 14px 4px;
    margin: 0;
    display: flex;
    flex-direction: column;
    gap: 2px;
}
.mob-menu__link {
    display: flex;
    align-items: center;
    gap: 13px;
    padding: 13px 14px;
    border-radius: 14px;
    font-family: var(--font-primary);
    font-size: 15px;
    font-weight: 600;
    color: var(--gray-800);
    text-decoration: none;
    position: relative;
    transition: background 0.18s, color 0.18s, transform 0.18s;
}
.mob-menu__link::after {
    content: '';
    position: absolute;
    left: 14px; right: 14px; bottom: 0;
    height: 1px;
    background: var(--gray-100);
}
.mob-menu__nav li:last-child .mob-menu__link::after { display: none; }
.mob-menu__link:active { transform: scale(0.98); }
.mob-menu__link:hover { background: var(--gray-50); color: var(--color-primary); }
.mob-menu__link-icon {
    font-size: 19px;
    line-height: 1;
    flex-shrink: 0;
    width: 32px;
    height: 32px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 9px;
    background: var(--gray-100);
}

/* Divider */
.mob-menu__divider {
    height: 1px;
    background: var(--gray-100);
    margin: 6px 18px;
}

/* Section label */
.mob-menu__section-label {
    font-family: var(--font-primary);
    font-size: 10px;
    font-weight: 800;
    letter-spacing: 0.13em;
    text-transform: uppercase;
    color: var(--gray-400);
    padding: 4px 28px 6px;
    margin: 0;
}

/* Loan type items */
.mob-menu__loans {
    list-style: none;
    padding: 0 14px;
    margin: 0;
    display: flex;
    flex-direction: column;
    gap: 2px;
}
.mob-menu__loan-item {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 11px 14px;
    border-radius: 14px;
    text-decoration: none;
    color: var(--gray-800);
    transition: background 0.18s, transform 0.18s;
}
.mob-menu__loan-item:active { transform: scale(0.98); }
.mob-menu__loan-item:hover { background: var(--gray-50); }
.mob-menu__loan-item > span:first-child {
    font-size: 22px;
    flex-shrink: 0;
    line-height: 1;
    width: 36px;
    height: 36px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 10px;
    background: var(--gray-100);
}
.mob-menu__loan-item strong {
    display: block;
    font-size: 13.5px;
    font-weight: 700;
    font-family: var(--font-primary);
    color: var(--gray-900);
}
.mob-menu__loan-item small {
    display: block;
    font-size: 11.5px;
    color: var(--gray-500);
    margin-top: 2px;
    font-family: var(--font-secondary);
}

/* CTA at bottom */
.mob-menu__cta-wrap {
    padding: 16px 18px 10px;
}
.mob-menu__cta {
    width: 100%;
    height: 52px;
    font-size: 15px;
    border-radius: 14px;
    background: linear-gradient(135deg, #1976D2 0%, var(--color-dark) 100%);
    box-shadow: 0 8px 24px rgba(13, 71, 161, 0.35);
}

/* ===================== HERO (LIGHT, EDITORIAL) ===================== */
.hero {
    position: relative;
    display: flex;
    flex-direction: column;
    justify-content: center;
    min-height: calc(100svh - var(--header-h));
    background:
        radial-gradient(ellipse 60% 50% at 85% 20%, rgba(67, 160, 71, 0.05) 0%, transparent 55%),
        radial-gradient(ellipse 70% 60% at 10% 90%, rgba(21, 101, 192, 0.05) 0%, transparent 60%),
        linear-gradient(180deg, #F6F8FC 0%, #F3F6FB 100%);
    color: var(--gray-900);
    padding: calc(var(--header-h) + 40px) 0 88px;
    overflow: clip;
    isolation: isolate;
}
/* Soft top fade so header glass sits on a clean cream */
.hero::before {
    content: '';
    position: absolute;
    inset: 0 0 auto 0;
    height: 240px;
    background: linear-gradient(180deg, rgba(255,255,255,0.65) 0%, transparent 100%);
    pointer-events: none;
    z-index: 0;
}
.hero-bg {
    position: absolute;
    inset: 0;
    z-index: 0;
    pointer-events: none;
    overflow: hidden;
}
.hero-glow {
    position: absolute;
    border-radius: 50%;
    filter: blur(90px);
    transform: translateZ(0);
    backface-visibility: hidden;
}
.hero-glow-1 {
    width: 620px; height: 620px;
    background: radial-gradient(circle, rgba(76, 175, 80, 0.22), rgba(76, 175, 80, 0));
    top: -180px; right: -120px;
    animation: floatGlow 20s ease-in-out infinite;
}
.hero-glow-2 {
    width: 720px; height: 720px;
    background: radial-gradient(circle, rgba(21, 101, 192, 0.18), rgba(21, 101, 192, 0));
    bottom: -260px; left: -160px;
    animation: floatGlow 26s ease-in-out infinite reverse;
}
.hero-glow-3 {
    width: 460px; height: 460px;
    background: radial-gradient(circle, rgba(13, 71, 161, 0.10), rgba(13, 71, 161, 0));
    top: 40%; left: 38%;
    animation: floatGlow 28s ease-in-out infinite;
}
.hero-dots {
    position: absolute;
    inset: 0;
    background-image: radial-gradient(rgba(15, 23, 42, 0.08) 1px, transparent 1px);
    background-size: 28px 28px;
    mask-image: radial-gradient(ellipse 70% 60% at 50% 40%, black 30%, transparent 80%);
    -webkit-mask-image: radial-gradient(ellipse 70% 60% at 50% 40%, black 30%, transparent 80%);
    opacity: 0.55;
}
@keyframes floatGlow {
    0%, 100% { transform: translate(0, 0) scale(1); }
    33%      { transform: translate(40px, -28px) scale(1.04); }
    66%      { transform: translate(-30px, 26px) scale(0.97); }
}

.hero-inner {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: minmax(0, 1.08fr) minmax(420px, 540px);
    gap: 56px;
    align-items: center;
}
.hero-copy { max-width: 600px; }

/* Eyebrow — live activity */
.hero-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    font-family: var(--font-secondary);
    font-size: 13px;
    font-weight: 500;
    color: var(--gray-700);
    background: var(--color-white);
    border: 1px solid var(--gray-200);
    padding: 8px 14px 8px 12px;
    border-radius: 999px;
    box-shadow: 0 4px 16px rgba(15, 23, 42, 0.04), 0 1px 2px rgba(15, 23, 42, 0.04);
    margin-bottom: 28px;
    letter-spacing: 0;
    text-transform: none;
}
.hero-eyebrow strong { color: var(--color-accent-d); font-weight: 700; font-family: var(--font-primary); }
.dot-pulse {
    position: relative;
    width: 8px; height: 8px;
    border-radius: 50%;
    background: var(--color-accent);
    flex-shrink: 0;
}
.dot-pulse::after {
    content: '';
    position: absolute;
    inset: -2px;
    border-radius: 50%;
    background: var(--color-accent);
    opacity: 0.4;
    animation: dotRing 2s ease-out infinite;
}
@keyframes dotRing {
    0%   { transform: scale(1);   opacity: 0.5; }
    100% { transform: scale(2.6); opacity: 0;   }
}

/* Headline */
.hero-headline {
    font-size: clamp(38px, 5.6vw, 68px);
    font-weight: 800;
    line-height: 1.02;
    color: var(--color-darkest);
    margin: 0 0 22px;
    letter-spacing: -0.035em;
}
.headline-row { display: inline-flex; flex-wrap: wrap; align-items: baseline; gap: 0.25em; }
.headline-mark {
    position: relative;
    color: var(--color-accent-d);
    background: linear-gradient(135deg, #43A047 0%, #2E7D32 100%);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
    display: inline-block;
}
.headline-mark::after {
    content: '';
    position: absolute;
    left: -2%; right: -2%;
    bottom: 0.06em;
    height: 0.18em;
    background: rgba(76, 175, 80, 0.18);
    border-radius: 2px;
    z-index: -1;
}

.hero-sub {
    font-size: clamp(17px, 1.35vw, 19px);
    font-weight: 400;
    color: var(--gray-600);
    line-height: 1.55;
    margin: 0 0 28px;
    max-width: 520px;
}
.hero-sub strong { color: var(--gray-900); font-weight: 600; }
.sub-amount {
    color: var(--color-dark) !important;
    font-family: var(--font-primary);
    font-weight: 700;
}

/* Social proof — avatar stack + stars */
.hero-proof {
    display: flex;
    align-items: center;
    gap: 16px;
    margin: 0 0 28px;
    padding: 0;
}
.avatar-stack {
    display: flex;
    align-items: center;
}
.avatar {
    width: 36px; height: 36px;
    border-radius: 50%;
    object-fit: cover;
    display: inline-block;
    border: 2.5px solid var(--color-white);
    box-shadow: 0 2px 8px rgba(15, 23, 42, 0.08);
    margin-left: -10px;
}
.avatar:first-child { margin-left: 0; }
.proof-meta { display: flex; flex-direction: column; gap: 2px; }
.proof-stars {
    display: flex;
    gap: 1px;
    color: var(--color-warn);
}
.proof-text {
    font-size: 13px;
    color: var(--gray-600);
    line-height: 1.4;
}
.proof-text strong { color: var(--gray-900); font-weight: 600; }

/* Trust badge row */
.hero-badges {
    display: flex;
    flex-wrap: wrap;
    gap: 10px 22px;
    margin: 0 0 40px;
}
.hero-badges li {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 14px;
    color: var(--gray-700);
    font-weight: 500;
}
.badge-check {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 18px; height: 18px;
    border-radius: 50%;
    background: var(--color-accent);
    color: var(--color-white);
    flex-shrink: 0;
}

/* Stats row */
.hero-stats {
    display: flex;
    align-items: center;
    gap: 32px;
    padding-top: 28px;
    border-top: 1px solid var(--gray-200);
    flex-wrap: wrap;
}
.stat-item .stat-num {
    font-family: var(--font-primary);
    font-weight: 800;
    font-size: 30px;
    color: var(--color-darkest);
    line-height: 1;
    letter-spacing: -0.025em;
}
.stat-plus { color: var(--color-accent-d); }
.stat-sm { font-size: 18px; color: var(--gray-400); font-weight: 600; }
.stat-item .stat-label {
    font-size: 12px;
    color: var(--gray-500);
    margin-top: 8px;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    font-weight: 600;
    font-family: var(--font-primary);
}
.stat-divider {
    width: 1px;
    height: 38px;
    background: var(--gray-200);
}

/* Hero load animations — direct CSS, like TribalLoans */
.hero-anim {
    opacity: 0;
    transform: translate3d(0, 30px, 0);
    backface-visibility: hidden;
    will-change: transform, opacity;
}
.fonts-loading .hero-anim {
    animation-play-state: paused !important;
}
.hero-eyebrow-anim  { animation: heroCopyEnter 0.5s ease 0.05s both; }
.hero-headline-anim { animation: heroCopyEnter 0.64s cubic-bezier(.2, .8, .2, 1) 0.12s both; }
.hero-sub-anim      { animation: heroCopyEnter 0.6s cubic-bezier(.2, .8, .2, 1) 0.20s both; }
.hero-form-anim     { animation: heroFormEnter 0.74s cubic-bezier(.2, .8, .2, 1) 0.28s both; }
.hero-proof-anim    { animation: heroCopyEnter 0.58s ease 0.38s both; }
.hero-badges-anim   { animation: heroCopyEnter 0.58s ease 0.46s both; }
.hero-stats-anim    { animation: heroCopyEnter 0.58s ease 0.54s both; }

@keyframes heroCopyEnter {
    from { opacity: 0; transform: translate3d(0, 30px, 0); }
    to   { opacity: 1; transform: translate3d(0, 0, 0); }
}
@keyframes heroFormEnter {
    from {
        opacity: 0;
        transform: translate3d(28px, 18px, 0) scale(0.975);
    }
    to {
        opacity: 1;
        transform: translate3d(0, 0, 0) scale(1);
    }
}

@keyframes fadeUp {
    from { opacity: 0; transform: translateY(20px); }
    to   { opacity: 1; transform: translateY(0); }
}

/* ===================== LEAD FORM ===================== */
.lead-form {
    background: #FFFFFF;
    border-radius: 24px;
    padding: 32px 34px 28px;
    box-shadow:
        0 1px 0 rgba(15, 23, 42, 0.04),
        0 40px 80px -20px rgba(13, 71, 161, 0.30),
        0 16px 40px -12px rgba(15, 23, 42, 0.14);
    position: relative;
    border: 1px solid rgba(15, 23, 42, 0.08);
    z-index: 2;
}
.form-header {
    margin: 0 0 28px;
    text-align: center;
    position: relative;
}
@keyframes pulse {
    0%   { box-shadow: 0 0 0 0 rgba(76, 175, 80, 0.6); }
    70%  { box-shadow: 0 0 0 8px rgba(76, 175, 80, 0); }
    100% { box-shadow: 0 0 0 0 rgba(76, 175, 80, 0); }
}
.form-title {
    font-family: var(--font-secondary);
    font-size: 28px;
    font-weight: 800;
    color: var(--gray-900);
    margin: 0;
    letter-spacing: -0.03em;
    line-height: 1.08;
}
.form-title-mark {
    position: relative;
    background: linear-gradient(135deg, #43A047 0%, #2E7D32 100%);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
    display: inline-block;
}
.form-title-mark::after {
    content: '';
    position: absolute;
    left: -2%; right: -2%;
    bottom: 0.04em;
    height: 0.16em;
    background: rgba(76, 175, 80, 0.18);
    border-radius: 2px;
    z-index: -1;
}
/* ----- Animated border property ----- */
@property --spark-angle {
    syntax: '<angle>';
    initial-value: 0deg;
    inherits: false;
}
@keyframes spark-spin {
    to { --spark-angle: 360deg; }
}

/* ----- Amount Hero (compact fintech card) ----- */
.amount-hero {
    position: relative;
    background: var(--gray-50);
    border: none;
    border-radius: 16px;
    padding: 14px 18px 16px;
    margin: 0 0 14px;
    isolation: isolate;
    /* always-visible subtle ring */
    box-shadow: 0 0 0 1.5px var(--gray-200);
    transition: background 0.2s ease-out, box-shadow 0.2s ease-out;
}
/* Spark layer — tight comet with a trailing tail */
.amount-hero::before {
    content: '';
    position: absolute;
    inset: -2.5px;
    border-radius: 14.5px;
    background: conic-gradient(
        from var(--spark-angle),
        transparent           0deg,
        transparent         310deg,
        rgba(67,160,71,0.10) 325deg,
        rgba(21,101,192,0.30) 338deg,
        rgba(21,101,192,0.70) 348deg,
        #60A5FA               353deg,
        #FFFFFF               356deg,
        #86EFAC               358deg,
        rgba(67,160,71,0.20) 359.5deg,
        transparent         360deg
    );
    z-index: -1;
    transform: translateZ(0);
    backface-visibility: hidden;
    animation: spark-spin 2.4s linear infinite;
}
/* Inner mask — card background colour fills behind content */
.amount-hero::after {
    content: '';
    position: absolute;
    inset: 2px;
    border-radius: 11px;
    background: var(--gray-50);
    z-index: -1;
    transition: background 0.2s ease-out;
}

.amount-hero:focus-within {
    background: var(--color-white);
    box-shadow: 0 0 0 1.5px rgba(21, 101, 192, 0.22);
}
.amount-hero:focus-within::after { background: var(--color-white); }

.amount-hero.has-error {
    background: #FEF2F2;
    box-shadow: 0 0 0 1.5px rgba(220,38,38,0.30);
    animation: shake 0.36s ease-out;
}
.amount-hero.has-error::before {
    background: conic-gradient(
        from var(--spark-angle),
        transparent           0deg,
        transparent         330deg,
        rgba(220,38,38,0.20) 345deg,
        rgba(220,38,38,0.70) 354deg,
        #FFFFFF               357deg,
        rgba(220,38,38,0.20) 359.5deg,
        transparent         360deg
    );
}
.amount-hero.has-error::after { background: #FEF2F2; }
.amount-hero.has-error .amount-currency,
.amount-hero.has-error .amount-input { color: var(--color-error); }
@keyframes shake {
    0%, 100% { transform: translateX(0); }
    20%, 60% { transform: translateX(-4px); }
    40%, 80% { transform: translateX(4px); }
}

.amount-meta {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 0;
    line-height: 1;
}
.amount-meta-label {
    font-family: var(--font-primary);
    font-size: 10px;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    color: var(--gray-500);
    line-height: 1;
}
.amount-timer {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    font-family: var(--font-secondary);
    font-size: 10.5px;
    font-weight: 600;
    color: #C0392B;
    background: rgba(220, 38, 38, 0.08);
    border: 1px solid rgba(220, 38, 38, 0.22);
    border-radius: 99px;
    padding: 2px 8px 2px 6px;
    line-height: 1;
    white-space: nowrap;
}
.amount-timer svg { flex-shrink: 0; }
.amount-timer strong {
    font-family: var(--font-primary);
    font-weight: 800;
    font-variant-numeric: tabular-nums;
    letter-spacing: -0.01em;
    color: #C0392B;
}

.amount-display {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
    margin: 6px 0 22px;
    padding: 14px 18px;
    line-height: 1;
    background: var(--color-white);
    border: 2px solid var(--gray-300);
    border-radius: 14px;
    box-shadow: inset 0 1px 2px rgba(15, 23, 42, 0.05);
    transition: border-color 0.2s ease-out, box-shadow 0.2s ease-out, background 0.2s ease-out;
}
.amount-hero:focus-within .amount-display {
    border-color: var(--color-primary);
    box-shadow:
        inset 0 1px 2px rgba(15, 23, 42, 0.04),
        0 0 0 3px rgba(21, 101, 192, 0.14);
}
.amount-currency {
    font-family: var(--font-primary);
    font-weight: 700;
    font-size: 22px;
    color: var(--gray-500);
    line-height: 1;
    transition: color 0.2s ease-out;
    flex-shrink: 0;
}
.amount-hero:focus-within .amount-currency { color: var(--color-primary); }
.amount-input {
    flex: 0 1 auto;
    width: 5ch;
    min-width: 3ch;
    max-width: 100%;
    font-family: var(--font-primary);
    font-weight: 800;
    font-size: 32px;
    color: var(--color-darkest);
    background: transparent;
    border: none;
    outline: none;
    text-align: center;
    letter-spacing: -0.035em;
    font-variant-numeric: tabular-nums;
    caret-color: var(--color-primary);
    line-height: 1.05;
    padding: 2px 0;
    -moz-appearance: textfield;
}
.amount-input::-webkit-outer-spin-button,
.amount-input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
.amount-input::placeholder { color: var(--gray-400); font-weight: 800; }

.amount-hero.has-error .amount-display {
    border-color: rgba(220, 38, 38, 0.55);
    background: #FFFBFB;
    box-shadow: inset 0 1px 2px rgba(220, 38, 38, 0.06);
}

/* ----- Amount slider (thick track) ----- */
.amount-slider {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 12px;
    border-radius: 99px;
    background: var(--gray-200);
    outline: none;
    cursor: pointer;
    display: block;
}
.amount-slider::-webkit-slider-runnable-track {
    height: 12px;
    border-radius: 99px;
}
.amount-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 28px;
    height: 28px;
    margin-top: -8px;
    border-radius: 50%;
    background: linear-gradient(180deg, #1976D2 0%, var(--color-primary) 100%);
    border: 4px solid var(--color-white);
    box-shadow:
        0 0 0 1px rgba(15, 23, 42, 0.12),
        0 4px 12px rgba(21, 101, 192, 0.35);
    cursor: grab;
    transition: transform 0.15s ease-out, box-shadow 0.2s ease-out;
}
.amount-slider::-webkit-slider-thumb:active {
    cursor: grabbing;
    transform: scale(1.08);
    box-shadow:
        0 0 0 2px var(--color-primary),
        0 6px 18px rgba(21, 101, 192, 0.45);
}
.amount-slider::-moz-range-track {
    height: 12px;
    border-radius: 99px;
    background: var(--gray-200);
}
.amount-slider::-moz-range-thumb {
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: linear-gradient(180deg, #1976D2 0%, var(--color-primary) 100%);
    border: 4px solid var(--color-white);
    box-shadow:
        0 0 0 1px rgba(15, 23, 42, 0.12),
        0 4px 12px rgba(21, 101, 192, 0.35);
    cursor: grab;
}
.amount-slider::-moz-range-progress {
    background: linear-gradient(90deg, var(--color-primary), var(--color-accent-l));
    height: 12px;
    border-radius: 99px;
}
.amount-slider:focus-visible::-webkit-slider-thumb {
    outline: 3px solid rgba(21, 101, 192, 0.35);
    outline-offset: 3px;
}

/* ----- Foot row: min/max anchors ----- */
.amount-foot {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-top: 7px;
    font-family: var(--font-secondary);
    font-size: 11px;
    color: var(--gray-400);
    font-weight: 600;
    font-variant-numeric: tabular-nums;
}
.amount-foot-anchor { letter-spacing: 0.01em; }

/* ----- Chip selector: 4 × 2 grid, 8 presets ----- */
.amount-selector {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 18px 14px;
    margin-bottom: 22px;
    padding-top: 10px;
    padding-bottom: 2px;
}
.amount-chip {
    font-family: var(--font-primary);
    font-weight: 800;
    font-size: clamp(14px, 2.4vw, 17px);
    color: var(--color-darkest);
    background: linear-gradient(180deg, #FFFFFF 0%, #F4F7FB 100%);
    border: 2px solid var(--gray-200);
    padding: 16px 10px;
    min-height: 56px;
    border-radius: 16px;
    transition: transform 0.2s ease-out, background 0.2s ease-out, color 0.2s ease-out, border-color 0.2s ease-out, box-shadow 0.2s ease-out;
    transform: translateZ(0);
    backface-visibility: hidden;
    position: relative;
    letter-spacing: -0.02em;
    font-variant-numeric: tabular-nums;
    display: flex;
    align-items: center;
    justify-content: center;
    text-align: center;
    line-height: 1.15;
    cursor: pointer;
    box-shadow:
        inset 0 1px 0 rgba(255, 255, 255, 0.98),
        0 2px 8px rgba(15, 23, 42, 0.06);
}
.amount-chip:hover {
    transform: translateY(-3px) translateZ(0);
    border-color: var(--color-primary);
    color: var(--color-primary);
    background: linear-gradient(180deg, #FFFFFF 0%, #EEF5FE 100%);
    box-shadow:
        inset 0 1px 0 rgba(255, 255, 255, 0.98),
        0 12px 24px -6px rgba(21, 101, 192, 0.28);
}
.amount-chip.active {
    background: linear-gradient(135deg, var(--color-accent-l) 0%, var(--color-accent-d) 100%);
    color: var(--color-white);
    border-color: var(--color-accent-d);
    box-shadow:
        inset 0 1px 0 rgba(255, 255, 255, 0.30),
        0 14px 28px -6px rgba(76, 175, 80, 0.5);
    transform: translateY(-2px) translateZ(0);
}
.amount-chip:focus-visible {
    outline: 3px solid rgba(21, 101, 192, 0.30);
    outline-offset: 2px;
}

/* "Popular" chip — permanent green identity so it's recognisable even before reading the badge */
.amount-chip.is-popular {
    border-color: rgba(76, 175, 80, 0.55);
    background: linear-gradient(180deg, #F4FCF5 0%, #E4F4E8 100%);
    color: var(--color-accent-d);
    box-shadow:
        inset 0 1px 0 rgba(255, 255, 255, 0.98),
        0 4px 14px -2px rgba(76, 175, 80, 0.22);
}
.amount-chip.is-popular:hover {
    border-color: var(--color-accent-d);
    background: linear-gradient(180deg, #EEF9F0 0%, #D8F0DE 100%);
    color: var(--color-accent-d);
    box-shadow:
        inset 0 1px 0 rgba(255, 255, 255, 0.98),
        0 14px 28px -6px rgba(76, 175, 80, 0.35);
}

/* "Popular" badge — sleek pill with star icon */
.chip-badge {
    position: absolute;
    top: -13px;
    left: 50%;
    transform: translateX(-50%);
    display: inline-flex;
    align-items: center;
    gap: 4px;
    font-family: var(--font-primary);
    font-size: 10px;
    font-weight: 800;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--color-white);
    background: linear-gradient(135deg, #66BB6A 0%, #2E7D32 100%);
    padding: 5px 10px 5px 9px;
    border-radius: 99px;
    white-space: nowrap;
    box-shadow:
        0 0 0 3px var(--color-white),
        0 6px 14px rgba(76, 175, 80, 0.4);
    pointer-events: none;
}
.chip-badge svg {
    width: 10px;
    height: 10px;
    flex-shrink: 0;
    filter: drop-shadow(0 1px 1px rgba(0, 0, 0, 0.15));
}
.amount-chip.is-popular.active .chip-badge {
    background: var(--color-white);
    color: var(--color-accent-d);
    box-shadow:
        0 0 0 3px var(--color-white),
        0 6px 14px rgba(15, 23, 42, 0.18);
}

/* ----- Divider ----- */
.form-divider {
    height: 1px;
    background: linear-gradient(90deg, transparent, rgba(21, 101, 192, 0.18) 50%, transparent);
    margin: 4px 0 12px;
}

/* ----- Floating-label fields ----- */
.field-floating {
    position: relative;
    margin-bottom: 10px;
}
.form-input {
    width: 100%;
    height: 62px;
    padding: 24px 44px 6px 18px;
    font-size: 15.5px;
    font-family: var(--font-secondary);
    font-weight: 500;
    color: var(--gray-900);
    background: var(--gray-50);
    border: 1.5px solid var(--gray-200);
    border-radius: 12px;
    transition: border-color 0.2s ease-out, background 0.2s ease-out, box-shadow 0.2s ease-out;
    outline: none;
}
.form-input.has-icon { padding-left: 46px; }
.field-icon {
    position: absolute;
    left: 18px;
    top: 50%;
    transform: translateY(-50%);
    color: var(--gray-400);
    pointer-events: none;
    z-index: 1;
    transition: color 0.2s ease-out;
    display: flex;
    align-items: center;
    justify-content: center;
}
.form-input:hover {
    border-color: var(--gray-300);
    background: var(--color-white);
}
.form-input:focus {
    border-color: var(--color-primary);
    background: var(--color-white);
    box-shadow: 0 0 0 3px rgba(21, 101, 192, 0.12);
}
.field-floating:focus-within .field-icon { color: var(--color-primary); }
.floating-label {
    position: absolute;
    left: 18px;
    top: 22px;
    font-size: 14.5px;
    font-family: var(--font-secondary);
    color: var(--gray-500);
    pointer-events: none;
    transition: transform 0.18s ease-out, color 0.18s ease-out;
    transform-origin: left top;
    background: transparent;
}
.floating-label-icon { left: 46px; }
.form-input:focus ~ .floating-label,
.form-input:not(:placeholder-shown) ~ .floating-label {
    transform: translateY(-10px) scale(0.78);
    color: var(--color-primary);
    font-weight: 600;
}

/* Inline status icon (right side of input) */
.field-status {
    position: absolute;
    right: 14px;
    top: 50%;
    transform: translate(8px, -50%) scale(0.8);
    pointer-events: none;
    opacity: 0;
    transition: opacity 0.2s ease-out, transform 0.2s ease-out;
    z-index: 1;
}
.field-status .status-check,
.field-status .status-warn { display: none; }
.field-floating.is-valid .field-status {
    opacity: 1;
    transform: translate(0, -50%) scale(1);
    color: var(--color-accent);
}
.field-floating.is-valid .field-status .status-check { display: block; }
.field-floating.has-error .field-status {
    opacity: 1;
    transform: translate(0, -50%) scale(1);
    color: var(--color-error);
}
.field-floating.has-error .field-status .status-warn { display: block; }

/* Error states */
.field-floating.has-error .form-input {
    border-color: var(--color-error);
    background: #FEF2F2;
}
.field-floating.has-error .form-input:focus { box-shadow: 0 0 0 4px rgba(220, 38, 38, 0.12); }
.field-floating.has-error .floating-label { color: var(--color-error); }
.field-floating.has-error .field-icon { color: var(--color-error); }
.field-floating.is-valid .form-input { border-color: rgba(76, 175, 80, 0.5); }

.field-error {
    display: none;
    align-items: center;
    gap: 6px;
    font-size: 12px;
    color: var(--color-error);
    margin-top: 6px;
    font-weight: 500;
    line-height: 1.4;
}
.field-floating.has-error .field-error {
    display: flex;
    animation: errorIn 0.22s ease-out both;
}
.field-error::before {
    content: '';
    width: 4px;
    height: 4px;
    border-radius: 50%;
    background: var(--color-error);
    flex-shrink: 0;
}
@keyframes errorIn {
    from { opacity: 0; transform: translateY(-4px); }
    to   { opacity: 1; transform: translateY(0); }
}

.btn-submit {
    width: 100%;
    height: 54px;
    font-size: 16px;
    border-radius: 12px;
    margin-top: 6px;
    position: relative;
    letter-spacing: 0.005em;
    font-weight: 700;
    gap: 10px;
}
.btn-submit .btn-icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.16);
    color: var(--color-white);
    flex-shrink: 0;
    margin-right: 2px;
}
.btn-submit.loading .btn-label,
.btn-submit.loading .btn-icon,
.btn-submit.loading .btn-arrow { opacity: 0; }
.btn-spinner {
    display: none;
    width: 22px;
    height: 22px;
    border: 2.5px solid rgba(255, 255, 255, 0.4);
    border-top-color: var(--color-white);
    border-radius: 50%;
    animation: spin 0.8s linear infinite;
    position: absolute;
    left: 50%;
    top: 50%;
    margin-left: -11px;
    margin-top: -11px;
    z-index: 2;
}
.btn-submit.loading .btn-spinner { display: block; }
@keyframes spin { to { transform: rotate(360deg); } }

/* ----- Form trust strip (under CTA) ----- */
.form-trust-strip {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    margin: 12px 0 6px;
    flex-wrap: wrap;
}
.trust-strip-item {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-family: var(--font-primary);
    font-size: 12px;
    font-weight: 600;
    color: var(--gray-600);
    letter-spacing: 0.01em;
}
.trust-strip-item svg { color: var(--color-accent-d); flex-shrink: 0; }
.trust-strip-divider {
    width: 4px; height: 4px;
    border-radius: 50%;
    background: var(--gray-300);
}

.form-fineprint {
    font-size: 11px;
    color: var(--gray-500);
    text-align: center;
    margin: 0;
    line-height: 1.5;
}
.form-fineprint a { color: var(--color-primary); font-weight: 600; }

.form-apr-divider {
    height: 1px;
    background: linear-gradient(90deg, transparent, var(--gray-200) 30%, var(--gray-200) 70%, transparent);
    margin: 10px 0 8px;
}
.form-apr-line {
    font-size: 10.5px;
    color: var(--gray-400);
    text-align: center;
    margin: 0;
    line-height: 1.55;
    letter-spacing: 0.01em;
}
.form-apr-line strong {
    color: var(--gray-400);
    font-weight: 500;
}
.form-apr-line a {
    color: var(--gray-400);
    font-weight: 500;
    text-decoration: none;
    border-bottom: 1px solid var(--gray-300);
    padding-bottom: 1px;
    transition: color 0.18s ease-out, border-color 0.18s ease-out;
}
.form-apr-line a:hover {
    color: var(--gray-600);
    border-color: var(--gray-400);
}

/* Success state */
.lead-form-success {
    background: var(--color-white);
    border-radius: 20px;
    padding: 48px 32px;
    box-shadow: var(--shadow-lg);
    text-align: center;
    animation: fadeUp 0.5s ease-out both;
}
.success-check {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, var(--color-accent-l), var(--color-accent-d));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    box-shadow: 0 12px 28px rgba(76, 175, 80, 0.35);
}
.success-check svg { color: var(--color-white); }
.success-check .success-circle {
    stroke: rgba(255, 255, 255, 0.4);
    stroke-dasharray: 151;
    stroke-dashoffset: 151;
    animation: drawCircle 0.5s ease-out 0.1s forwards;
}
.success-check .success-path {
    stroke: var(--color-white);
    stroke-dasharray: 36;
    stroke-dashoffset: 36;
    animation: drawCheck 0.4s ease-out 0.5s forwards;
}
@keyframes drawCircle { to { stroke-dashoffset: 0; } }
@keyframes drawCheck  { to { stroke-dashoffset: 0; } }

.success-title {
    font-size: 26px;
    font-weight: 700;
    color: var(--color-dark);
    margin: 0 0 8px;
}
.success-msg {
    color: var(--gray-600);
    font-size: 15px;
    margin: 0 0 24px;
}
.success-msg strong { color: var(--gray-900); font-weight: 600; }
.btn-call {
    width: 100%;
    height: 56px;
    font-size: 16px;
}

/* ===================== ACTIVITY TICKER ===================== */
.activity-ticker {
    position: relative;
    margin-top: 16px;
    background: rgba(255, 255, 255, 0.7);
    backdrop-filter: blur(10px);
    border: 1px solid rgba(15, 23, 42, 0.06);
    border-radius: 12px;
    padding: 10px 14px;
    display: flex;
    align-items: center;
    gap: 10px;
    overflow: hidden;
    box-shadow: 0 4px 16px rgba(15, 23, 42, 0.04);
}
.ticker-dot {
    width: 8px; height: 8px;
    border-radius: 50%;
    background: var(--color-accent);
    flex-shrink: 0;
    box-shadow: 0 0 0 0 rgba(76, 175, 80, 0.7);
    animation: pulse 2s infinite;
}
.ticker-track {
    flex: 1;
    position: relative;
    height: 20px;
    overflow: hidden;
}
.ticker-item {
    position: absolute;
    inset: 0;
    display: flex;
    align-items: center;
    font-size: 13px;
    color: var(--gray-600);
    font-family: var(--font-secondary);
    line-height: 1.3;
    opacity: 0;
    transform: translateY(8px) translateZ(0);
    backface-visibility: hidden;
    transition: opacity 0.45s ease-out, transform 0.45s ease-out;
    white-space: nowrap;
    overflow: hidden;
    text-overflow: ellipsis;
}
.ticker-item.active {
    opacity: 1;
    transform: translateY(0);
}
.ticker-item strong { color: var(--gray-900); font-weight: 600; }

/* ===================== TRUST BAR ===================== */
.trust-bar {
    background: #0D47A1;
    padding: 0;
}
.trust-inner {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    align-items: stretch;
}
.trust-item {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 12px;
    padding: 18px 24px;
    background: none;
    border: none;
    border-right: 1px solid rgba(255, 255, 255, 0.10);
    transition: background 0.2s ease;
}
.trust-item:last-child { border-right: none; }
.trust-item:hover { background: rgba(255,255,255,0.06); }

.trust-icon {
    width: 36px;
    height: 36px;
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}
.trust-item--blue .trust-icon {
    background: rgba(255,255,255,0.10);
    color: #93C5FD;
}
.trust-item--green .trust-icon {
    background: rgba(76, 175, 80, 0.18);
    color: #86EFAC;
}

.trust-text {
    display: flex;
    flex-direction: column;
    gap: 3px;
    min-width: 0;
}
.trust-label {
    font-family: var(--font-primary);
    font-size: 13.5px;
    font-weight: 700;
    color: #FFFFFF;
    line-height: 1;
    white-space: nowrap;
    letter-spacing: -0.01em;
}
.trust-sub {
    font-family: var(--font-secondary);
    font-size: 11.5px;
    font-weight: 400;
    color: rgba(255, 255, 255, 0.55);
    line-height: 1;
    white-space: nowrap;
}

/* ===================== SECTION HEADERS ===================== */
.section-head {
    text-align: center;
    max-width: 720px;
    margin: 0 auto 56px;
}
.section-tag {
    display: inline-block;
    font-family: var(--font-primary);
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 0.18em;
    color: var(--color-accent-d);
    background: rgba(76, 175, 80, 0.1);
    padding: 6px 12px;
    border-radius: 6px;
    margin-bottom: 16px;
}
.section-title {
    font-size: clamp(28px, 3.8vw, 44px);
    font-weight: 700;
    color: var(--gray-900);
    margin: 0 0 16px;
    line-height: 1.15;
}
.section-sub {
    font-size: 17px;
    color: var(--gray-500);
    line-height: 1.6;
    margin: 0;
}

/* ===================== HOW IT WORKS ===================== */
.how-it-works {
    position: relative;
    background: #F8FAFC;
    overflow: clip;
}

/* 300vh outer — ~1 viewport of scroll per step */
.steps-scroll-outer {
    height: 300vh;
    position: relative;
}

/* Sticky inner fills one viewport height */
.steps-scroll-sticky {
    position: sticky;
    top: 0;
    height: 100vh;
    overflow: hidden;
    display: flex;
    flex-direction: column;
    justify-content: center;
    padding: 0;
}
.steps-scroll-sticky .container {
    display: flex;
    flex-direction: column;
    height: 100%;
    padding-top: 0;
    padding-bottom: 0;
}
.steps-scroll-sticky .section-head {
    padding-top: 40px;
    padding-bottom: 28px;
    flex-shrink: 0;
}

/* Two-column layout */
.steps-showcase {
    display: grid;
    grid-template-columns: minmax(320px, 1fr) 1.15fr;
    gap: 52px;
    align-items: center;
    flex: 1;
    min-height: 0;
    padding-bottom: 40px;
}

/* ---- LEFT: stacked step cards ---- */
.steps-stack-wrap {
    position: relative;
    /* perspective so child cards get depth */
    perspective: 900px;
    perspective-origin: 50% 40%;
}
.steps-stack {
    position: relative;
    height: 210px; /* tall enough for the active card */
}

/* Individual step card */
.step-card {
    position: absolute;
    inset: 0;
    display: grid;
    grid-template-columns: 72px 1fr auto;
    align-items: center;
    gap: 18px;
    background: var(--color-white);
    border: 1.5px solid var(--gray-200);
    border-radius: 18px;
    padding: 22px 24px;
    overflow: hidden;
    /* Driven by JS custom props */
    transform: translateY(var(--card-ty, 0px)) translateZ(var(--card-tz, 0px)) scale(var(--card-scale, 1));
    transform-origin: top center;
    transform-style: preserve-3d;
    opacity: var(--card-opacity, 1);
    transition: transform 0.55s cubic-bezier(.16,1,.3,1),
                opacity 0.4s ease,
                border-color 0.3s,
                box-shadow 0.3s;
    will-change: transform, opacity;
}
.step-card.is-active {
    border-color: var(--color-primary);
    box-shadow: 0 16px 40px -12px rgba(21, 101, 192, 0.28), 0 2px 6px rgba(15,23,42,0.04);
    z-index: 10;
}

/* Big step number */
.step-card-num {
    font-family: var(--font-primary);
    font-size: 56px;
    font-weight: 900;
    line-height: 1;
    letter-spacing: -0.05em;
    color: rgba(76, 175, 80, 0.25);
    transition: color 0.3s;
    align-self: center;
}
.step-card.is-active .step-card-num {
    color: #4CAF50;
}

/* Step body text */
.step-card-body { min-width: 0; }
.step-card-title {
    font-family: var(--font-primary);
    font-size: 17px;
    font-weight: 700;
    color: var(--color-darkest);
    margin: 0 0 5px;
    letter-spacing: -0.01em;
}
.step-card-desc {
    font-size: 13.5px;
    line-height: 1.5;
    color: var(--gray-600);
    margin: 0 0 10px;
}
.step-card-meta {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    font-family: var(--font-primary);
    font-size: 11.5px;
    font-weight: 700;
    color: var(--color-accent-d);
    background: rgba(76, 175, 80, 0.10);
    padding: 4px 9px;
    border-radius: 6px;
}

/* Bottom progress bar */
.step-card-progress {
    position: absolute;
    inset: auto 0 0 0;
    height: 3px;
    background: rgba(21, 101, 192, 0.07);
    overflow: hidden;
}
.step-card-progress-fill {
    display: block;
    height: 100%;
    width: 0%;
    background: linear-gradient(90deg, var(--color-primary), var(--color-accent-l));
    transition: width 0.12s linear;
}

/* ---- RIGHT: preview stage ---- */
.steps-preview {
    position: relative;
    perspective: 1200px;
    perspective-origin: 50% 45%;
}
.preview-window {
    position: relative;
    background: var(--color-white);
    border: 1px solid var(--gray-200);
    transform: rotateY(-10deg) rotateX(3deg) scale(0.97);
    transform-style: preserve-3d;
    transform-origin: center center;
    transition: transform 0.6s cubic-bezier(.16, 1, .3, 1), box-shadow 0.6s ease;
    will-change: transform;
    border-radius: 18px;
    box-shadow:
        0 40px 80px -24px rgba(13, 71, 161, 0.22),
        0 16px 32px -12px rgba(15, 23, 42, 0.08);
    overflow: hidden;
    z-index: 1;
}
.preview-chrome {
    display: flex;
    align-items: center;
    gap: 6px;
    padding: 12px 16px;
    background: #F8FAFC;
    border-bottom: 1px solid var(--gray-200);
}
.chrome-dot {
    width: 10px; height: 10px;
    border-radius: 50%;
    flex-shrink: 0;
}
.chrome-dot--r { background: #FF5F57; }
.chrome-dot--y { background: #FEBC2E; }
.chrome-dot--g { background: #28C840; }
.chrome-url {
    margin-left: 14px;
    font-family: var(--font-secondary);
    font-size: 12px;
    color: var(--gray-500);
    background: var(--color-white);
    border: 1px solid var(--gray-200);
    border-radius: 6px;
    padding: 3px 12px;
    flex: 1;
    text-align: center;
    max-width: 220px;
}
.chrome-logo {
    height: 26px;
    width: auto;
    margin-left: auto;
    flex-shrink: 0;
    opacity: 0.92;
}
.preview-glow {
    position: absolute;
    inset: -30px;
    z-index: 0;
    background:
        radial-gradient(circle at 20% 20%, rgba(21,101,192,0.09) 0%, transparent 55%),
        radial-gradient(circle at 80% 80%, rgba(76,175,80,0.07) 0%, transparent 55%);
    filter: blur(40px);
    pointer-events: none;
}

/* Preview panels */
.preview-panel {
    display: none;
    padding: 28px 28px 30px;
    animation: panelIn 0.5s cubic-bezier(.16, 1, .3, 1) both;
}
.preview-panel.is-active { display: block; }
@keyframes panelIn {
    from { opacity: 0; transform: translateY(12px); }
    to   { opacity: 1; transform: translateY(0); }
}

/* ===================== LOW-END PERFORMANCE MODE ===================== */
html.perf-lite .site-header,
html.perf-lite .float-apply-badge,
html.perf-lite .mob-menu__backdrop,
html.perf-lite .modal-backdrop,
html.perf-lite .exit-offer__backdrop {
    backdrop-filter: none !important;
    -webkit-backdrop-filter: none !important;
}

html.perf-lite .hero-glow,
html.perf-lite .preview-glow,
html.perf-lite .footer::before,
html.perf-lite .footer::after {
    display: none !important;
}

html.perf-lite .steps-scroll-outer {
    height: auto;
}
html.perf-lite .steps-scroll-sticky {
    position: relative;
    top: auto;
    height: auto;
    overflow: visible;
    padding: 84px 0;
    justify-content: flex-start;
}
html.perf-lite .steps-scroll-sticky .container {
    height: auto;
    padding-top: 0;
    padding-bottom: 0;
}
html.perf-lite .steps-scroll-sticky .section-head {
    padding-top: 0;
}
html.perf-lite .steps-showcase {
    grid-template-columns: minmax(0, 1fr) minmax(320px, 0.9fr);
    gap: 32px;
}
html.perf-lite .steps-stack {
    height: auto;
    display: flex;
    flex-direction: column-reverse;
    gap: 14px;
}
html.perf-lite .step-card {
    position: relative;
    inset: auto;
    transform: none !important;
    opacity: 1 !important;
    transition: opacity 0.36s cubic-bezier(.2, .8, .2, 1), transform 0.36s cubic-bezier(.2, .8, .2, 1);
    will-change: auto;
}
html.perf-lite .step-card.is-active {
    border-color: var(--gray-200);
    box-shadow: 0 1px 3px rgba(15, 23, 42, 0.05);
}
html.perf-lite .preview-window {
    transform: none !important;
    transition: opacity 0.36s cubic-bezier(.2, .8, .2, 1), transform 0.36s cubic-bezier(.2, .8, .2, 1);
    will-change: auto;
    box-shadow: 0 10px 28px -18px rgba(13, 71, 161, 0.18);
}

/* ---- Mock UI shared ---- */
.mock-title {
    font-family: var(--font-primary);
    font-size: 22px;
    font-weight: 800;
    color: var(--color-darkest);
    margin: 14px 0 6px;
    letter-spacing: -0.02em;
}
.mock-title--center { text-align: center; }
.mock-sub {
    text-align: center;
    font-size: 13.5px;
    color: var(--gray-600);
    margin: 0 0 18px;
}
.mock-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    width: 100%;
    padding: 13px 18px;
    border: none;
    border-radius: 10px;
    font-family: var(--font-primary);
    font-size: 15px;
    font-weight: 700;
    cursor: default;
    margin-top: 14px;
}
.mock-btn--primary {
    background: linear-gradient(135deg, var(--color-primary), var(--color-dark));
    color: var(--color-white);
    box-shadow: 0 10px 20px -8px rgba(21,101,192,0.45);
}
.mock-btn--success {
    background: linear-gradient(135deg, var(--color-accent-l), var(--color-accent-d));
    color: var(--color-white);
    box-shadow: 0 10px 20px -8px rgba(76,175,80,0.45);
}

/* Panel 1: Apply form */
.mock-head {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 14px;
    margin-bottom: 6px;
}
.mock-kicker {
    font-family: var(--font-primary);
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--color-primary);
}
.mock-progress {
    flex: 1;
    height: 4px;
    background: var(--gray-100);
    border-radius: 99px;
    overflow: hidden;
}
.mock-progress-fill {
    display: block;
    height: 100%;
    background: linear-gradient(90deg, var(--color-primary), var(--color-accent-l));
    border-radius: 99px;
}
.mock-amount {
    display: flex;
    align-items: baseline;
    justify-content: center;
    gap: 4px;
    margin: 18px 0 16px;
}
.mock-currency {
    font-family: var(--font-primary);
    font-size: 22px;
    font-weight: 700;
    color: var(--gray-400);
}
.mock-num {
    font-family: var(--font-primary);
    font-size: 44px;
    font-weight: 800;
    color: var(--color-darkest);
    letter-spacing: -0.035em;
    font-variant-numeric: tabular-nums;
}
.mock-slider {
    position: relative;
    height: 6px;
    background: var(--gray-200);
    border-radius: 99px;
    margin: 0 0 6px;
}
.mock-slider-fill {
    position: absolute;
    inset: 0 auto 0 0;
    width: 40%;
    background: linear-gradient(90deg, var(--color-primary), var(--color-accent-l));
    border-radius: 99px;
}
.mock-slider-thumb {
    position: absolute;
    left: 40%;
    top: 50%;
    transform: translate(-50%, -50%);
    width: 18px;
    height: 18px;
    background: var(--color-white);
    border-radius: 50%;
    box-shadow: 0 0 0 1px var(--gray-200), 0 3px 8px rgba(21, 101, 192, 0.35);
}
.mock-slider-labels {
    display: flex;
    justify-content: space-between;
    font-family: var(--font-primary);
    font-size: 11px;
    font-weight: 600;
    color: var(--gray-400);
    margin-bottom: 18px;
}
.mock-field {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 12px 14px;
    background: var(--gray-50);
    border: 1.5px solid var(--color-primary);
    border-radius: 10px;
    font-family: var(--font-secondary);
    font-size: 14px;
    color: var(--gray-900);
    box-shadow: 0 0 0 3px rgba(21, 101, 192, 0.10);
}
.mock-field svg { color: var(--color-primary); flex-shrink: 0; }
.mock-field span:nth-child(2) { flex: 1; }
.mock-caret {
    display: inline-block;
    width: 2px;
    height: 16px;
    background: var(--color-primary);
    animation: caretBlink 1s steps(2) infinite;
}
@keyframes caretBlink { 50% { opacity: 0; } }
.mock-foot {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 11.5px;
    color: var(--gray-500);
    margin: 12px 0 0;
}
.mock-foot svg { color: var(--color-accent-d); flex-shrink: 0; }

/* Panel 2: Approval */
.mock-approve-badge {
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-accent-d);
    margin-top: 4px;
}
.mock-approve-badge circle {
    stroke-dasharray: 151;
    stroke-dashoffset: 151;
    animation: approveCircle 0.55s cubic-bezier(.16, 1, .3, 1) .1s forwards;
}
.mock-approve-badge path {
    stroke-dasharray: 48;
    stroke-dashoffset: 48;
    animation: approveCheck 0.4s cubic-bezier(.16, 1, .3, 1) .55s forwards;
}
@keyframes approveCircle { to { stroke-dashoffset: 0; } }
@keyframes approveCheck  { to { stroke-dashoffset: 0; } }
.preview-panel[data-preview="2"].is-active .mock-approve-badge circle,
.preview-panel[data-preview="2"].is-active .mock-approve-badge path {
    animation-play-state: running;
}
.mock-offer {
    background: #F8FAFC;
    border: 1px solid var(--gray-200);
    border-radius: 14px;
    padding: 18px 20px;
    margin: 4px 0 4px;
}
.mock-offer-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
}
.mock-offer-label {
    display: block;
    font-family: var(--font-primary);
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--gray-500);
    margin-bottom: 4px;
}
.mock-offer-val {
    display: block;
    font-family: var(--font-primary);
    font-size: 16px;
    font-weight: 700;
    color: var(--color-darkest);
    font-variant-numeric: tabular-nums;
}
.mock-offer-val--big {
    font-size: 28px;
    font-weight: 800;
    letter-spacing: -0.02em;
    background: linear-gradient(135deg, var(--color-primary), var(--color-accent-d));
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
}
.mock-offer-divider { height: 1px; background: var(--gray-200); margin: 14px 0; }
.mock-offer-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 12px;
}

/* Panel 3: Bank deposit */
.mock-bank-card {
    background: linear-gradient(135deg, var(--color-dark), var(--color-primary));
    color: var(--color-white);
    border-radius: 14px;
    padding: 18px 20px;
    box-shadow: 0 12px 28px -10px rgba(13, 71, 161, 0.40);
}
.mock-bank-head {
    display: flex;
    align-items: center;
    justify-content: space-between;
    opacity: 0.85;
}
.mock-bank-label { font-family: var(--font-primary); font-size: 12px; font-weight: 600; letter-spacing: 0.02em; }
.mock-bank-head svg { color: rgba(255,255,255,0.85); }
.mock-bank-balance { margin-top: 16px; }
.mock-bank-balance-label {
    display: block;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: rgba(255,255,255,0.65);
}
.mock-bank-balance-num {
    font-family: var(--font-primary);
    font-size: 28px;
    font-weight: 800;
    letter-spacing: -0.015em;
    font-variant-numeric: tabular-nums;
    margin-top: 2px;
    display: block;
}

.mock-tx-label {
    font-family: var(--font-primary);
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--gray-500);
    margin: 20px 0 10px;
}
.mock-tx {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 12px 14px;
    background: var(--color-white);
    border: 1px solid var(--gray-200);
    border-radius: 12px;
    margin-bottom: 8px;
    position: relative;
}
.mock-tx.is-new {
    border-color: rgba(76, 175, 80, 0.35);
    background: linear-gradient(160deg, rgba(76,175,80,0.06), transparent);
    animation: txPulse 2s ease-in-out infinite;
}
@keyframes txPulse {
    0%, 100% { box-shadow: 0 0 0 0 rgba(76,175,80,0.35); }
    50%      { box-shadow: 0 0 0 8px rgba(76,175,80,0); }
}
.mock-tx-icon {
    width: 36px;
    height: 36px;
    border-radius: 10px;
    background: linear-gradient(135deg, var(--color-accent-l), var(--color-accent-d));
    color: var(--color-white);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}
.mock-tx-icon--gray {
    background: var(--gray-100);
    color: var(--gray-500);
}
.mock-tx-info { flex: 1; min-width: 0; display: flex; flex-direction: column; gap: 2px; }
.mock-tx-name { font-family: var(--font-primary); font-size: 14px; font-weight: 700; color: var(--color-darkest); }
.mock-tx-time { font-family: var(--font-secondary); font-size: 12px; color: var(--gray-500); }
.mock-tx-amt {
    font-family: var(--font-primary);
    font-size: 15px;
    font-weight: 800;
    color: var(--color-accent-d);
    font-variant-numeric: tabular-nums;
}
.mock-tx-amt--muted { color: var(--gray-500); font-weight: 700; }

/* ===================== CALCULATOR ===================== */
.calculator-section {
    background: var(--color-white);
    position: relative;
    border-top: 1px solid var(--gray-100);
}
.calc-card {
    position: relative;
    background: var(--color-white);
    border-radius: 24px;
    padding: 0;
    box-shadow: 0 2px 4px rgba(15,23,42,0.04), 0 24px 64px -20px rgba(13,71,161,0.14);
    border: 1px solid var(--gray-200);
    display: grid;
    grid-template-columns: 1.05fr 1fr;
    overflow: hidden;
}

/* LEFT: controls pane */
.calc-controls {
    display: flex;
    flex-direction: column;
    gap: 28px;
    padding: 40px 40px 36px;
}
.slider-group { display: flex; flex-direction: column; gap: 10px; }
.slider-head {
    display: flex;
    justify-content: space-between;
    align-items: baseline;
    gap: 8px;
}
.slider-label {
    font-family: var(--font-primary);
    font-size: 13px;
    font-weight: 700;
    color: var(--gray-500);
    letter-spacing: 0.06em;
    text-transform: uppercase;
}
.slider-value {
    font-family: var(--font-primary);
    font-size: 24px;
    font-weight: 800;
    color: var(--color-darkest);
    letter-spacing: -0.02em;
    font-variant-numeric: tabular-nums;
}

/* Custom range slider */
.slider {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 6px;
    border-radius: 999px;
    background: linear-gradient(to right, var(--color-primary) 0%, var(--color-primary) 50%, var(--gray-200) 50%, var(--gray-200) 100%);
    outline: none;
    cursor: pointer;
    transition: background 0.05s linear;
}
.slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--color-white);
    border: 2.5px solid var(--color-primary);
    cursor: grab;
    box-shadow: 0 2px 8px rgba(21, 101, 192, 0.35);
    transition: transform 0.15s ease-out, box-shadow 0.15s ease-out;
}
.slider::-webkit-slider-thumb:hover { transform: scale(1.15); box-shadow: 0 4px 14px rgba(21,101,192,0.45); }
.slider::-webkit-slider-thumb:active { cursor: grabbing; transform: scale(1.05); }
.slider::-moz-range-thumb {
    width: 22px; height: 22px;
    border-radius: 50%;
    background: var(--color-white);
    border: 2.5px solid var(--color-primary);
    cursor: grab;
    box-shadow: 0 2px 8px rgba(21, 101, 192, 0.35);
    transition: transform 0.15s ease-out;
}
.slider::-moz-range-thumb:hover { transform: scale(1.15); }
.slider-track-labels {
    display: flex;
    justify-content: space-between;
    font-size: 11.5px;
    color: var(--gray-400);
    font-family: var(--font-primary);
    font-weight: 600;
}

/* Quick-pick chips */
.calc-chips {
    display: flex;
    gap: 8px;
    flex-wrap: wrap;
    margin-top: 4px;
}
.calc-chip {
    font-family: var(--font-primary);
    font-size: 12.5px;
    font-weight: 700;
    color: var(--gray-600);
    background: var(--gray-50);
    border: 1.5px solid var(--gray-200);
    border-radius: 8px;
    padding: 5px 12px;
    cursor: pointer;
    transition: all 0.15s ease;
}
.calc-chip:hover { border-color: var(--color-primary); color: var(--color-primary); background: rgba(21,101,192,0.04); }
.calc-chip--active { background: rgba(21,101,192,0.08); border-color: var(--color-primary); color: var(--color-primary); }

/* Breakdown bar */
.calc-breakdown {
    background: var(--gray-50);
    border: 1px solid var(--gray-200);
    border-radius: 14px;
    padding: 16px 18px;
}
.calc-breakdown-label {
    display: flex;
    justify-content: space-between;
    font-family: var(--font-primary);
    font-size: 12px;
    font-weight: 700;
    color: var(--gray-500);
    letter-spacing: 0.05em;
    text-transform: uppercase;
    margin-bottom: 10px;
}
.calc-breakdown-bar {
    display: flex;
    height: 8px;
    border-radius: 999px;
    overflow: hidden;
    margin-bottom: 10px;
    background: var(--gray-200);
}
.breakdown-principal {
    display: block;
    background: var(--color-primary);
    border-radius: 999px 0 0 999px;
    transition: width 0.4s cubic-bezier(.16,1,.3,1);
}
.breakdown-interest {
    display: block;
    background: #4CAF50;
    border-radius: 0 999px 999px 0;
    transition: width 0.4s cubic-bezier(.16,1,.3,1);
}
.calc-breakdown-legend {
    display: flex;
    gap: 16px;
}
.legend-item {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-family: var(--font-primary);
    font-size: 12px;
    font-weight: 600;
    color: var(--gray-600);
    font-variant-numeric: tabular-nums;
}
.legend-dot {
    width: 8px; height: 8px;
    border-radius: 50%;
    flex-shrink: 0;
}
.legend-item--principal .legend-dot { background: var(--color-primary); }
.legend-item--interest .legend-dot  { background: #4CAF50; }

/* RIGHT: result pane */
.calc-result {
    background: linear-gradient(160deg, #061E3D 0%, #0D47A1 100%);
    padding: 40px 36px 36px;
    color: var(--color-white);
    display: flex;
    flex-direction: column;
    justify-content: center;
    position: relative;
    overflow: hidden;
}
.calc-result::after {
    content: '';
    position: absolute;
    bottom: -60px; right: -60px;
    width: 220px; height: 220px;
    background: radial-gradient(circle, rgba(76,175,80,0.18), transparent 70%);
    pointer-events: none;
}
.result-label {
    font-family: var(--font-primary);
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.14em;
    color: rgba(255,255,255,0.55);
    text-transform: uppercase;
    margin: 0 0 10px;
}
.result-value {
    font-family: var(--font-primary);
    font-weight: 800;
    font-size: 64px;
    line-height: 1;
    letter-spacing: -0.04em;
    color: #FFFFFF;
    margin: 0 0 6px;
}
.result-currency {
    font-size: 36px;
    vertical-align: top;
    line-height: 1.1;
    margin-right: 2px;
    color: rgba(255,255,255,0.7);
}
.result-sub {
    font-size: 13px;
    color: rgba(255,255,255,0.55);
    margin: 0 0 28px;
    font-family: var(--font-primary);
    font-weight: 500;
}

.result-stats {
    display: flex;
    align-items: stretch;
    background: rgba(255,255,255,0.07);
    border: 1px solid rgba(255,255,255,0.10);
    border-radius: 14px;
    margin-bottom: 24px;
    overflow: hidden;
}
.result-stat {
    flex: 1;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    padding: 14px 10px;
    gap: 4px;
    text-align: center;
}
.result-stat-divider {
    width: 1px;
    background: rgba(255,255,255,0.10);
    margin: 10px 0;
}
.result-stat-label {
    font-family: var(--font-primary);
    font-size: 10px;
    font-weight: 600;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: rgba(255,255,255,0.50);
    white-space: nowrap;
}
.result-stat-val {
    font-family: var(--font-primary);
    font-size: 16px;
    font-weight: 800;
    color: #FFFFFF;
    font-variant-numeric: tabular-nums;
}
.result-stat-val--green {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    color: #86EFAC;
    font-size: 14px;
}

.btn-calc-cta {
    width: 100%;
    height: 54px;
    font-size: 15px;
    margin-bottom: 16px;
    background: linear-gradient(135deg, #4CAF50, #2E7D32);
    box-shadow: 0 12px 24px -10px rgba(46,125,50,0.55);
    position: relative;
    z-index: 1;
}
.btn-calc-cta:hover { box-shadow: 0 16px 32px -10px rgba(46,125,50,0.65); }

.result-trust {
    display: flex;
    align-items: center;
    justify-content: center;
    flex-wrap: wrap;
    gap: 8px 16px;
    font-family: var(--font-primary);
    font-size: 11px;
    font-weight: 600;
    color: rgba(255,255,255,0.45);
    position: relative;
    z-index: 1;
}
.result-trust span {
    display: inline-flex;
    align-items: center;
    gap: 5px;
}

.calc-disclaimer {
    text-align: center;
    font-size: 12px;
    color: var(--gray-500);
    margin: 24px auto 0;
    max-width: 720px;
    line-height: 1.6;
}

/* ===================== TESTIMONIALS ===================== */
.testimonials {
    background: #F8FAFC;
    padding: 80px 0 0;
    overflow: clip;
}

/* Header row */
.t-header { padding-bottom: 40px; }
.t-header-inner {
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    gap: 24px;
    flex-wrap: wrap;
}
.t-header-left .section-tag { margin-bottom: 0; }
.t-aggregate {
    display: flex;
    align-items: center;
    gap: 10px;
    background: var(--color-white);
    border: 1px solid var(--gray-200);
    border-radius: 14px;
    padding: 12px 18px;
    box-shadow: 0 1px 2px rgba(15,23,42,0.04);
}
.t-agg-stars { display: flex; gap: 2px; }
.t-agg-score {
    font-family: var(--font-primary);
    font-size: 22px;
    font-weight: 800;
    color: var(--color-darkest);
    letter-spacing: -0.02em;
}
.t-agg-count {
    font-family: var(--font-secondary);
    font-size: 13px;
    color: var(--gray-500);
    white-space: nowrap;
}

/* Scrolling track */
.t-track-wrap {
    position: relative;
    padding-bottom: 72px;
    overflow: hidden;
}
.t-track {
    display: flex;
    gap: 20px;
    overflow-x: auto;
    padding-top: 8px;
    padding-right: 24px;
    padding-bottom: 24px;
    padding-left: max(24px, calc((100% - var(--container)) / 2 + 24px));
    scroll-snap-type: x mandatory;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
}
.t-track::-webkit-scrollbar { display: none; }

/* Edge fade overlays */
.t-fade {
    position: absolute;
    top: 0; bottom: 24px;
    width: 80px;
    pointer-events: none;
    z-index: 2;
}
.t-fade--left  { left: 0;  background: linear-gradient(to right, #F8FAFC, transparent); }
.t-fade--right { right: 0; background: linear-gradient(to left,  #F8FAFC, transparent); }

/* Individual card */
.t-card {
    flex: 0 0 340px;
    background: var(--color-white);
    border: 1px solid var(--gray-200);
    border-radius: 20px;
    padding: 26px 26px 22px;
    scroll-snap-align: start;
    display: flex;
    flex-direction: column;
    transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
    position: relative;
    overflow: hidden;
}
.t-card::before {
    content: '';
    position: absolute;
    inset: 0 0 auto 0;
    height: 3px;
    background: linear-gradient(90deg, var(--color-primary), var(--color-accent-l));
    opacity: 0;
    transition: opacity 0.25s;
}
.t-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 16px 40px -16px rgba(13,71,161,0.18);
    border-color: rgba(21,101,192,0.2);
}
.t-card:hover::before { opacity: 1; }

.t-card--featured {
    background: linear-gradient(160deg, rgba(21,101,192,0.03) 0%, var(--color-white) 60%);
    border-color: rgba(21,101,192,0.22);
    box-shadow: 0 8px 28px -12px rgba(13,71,161,0.18);
}
.t-card--featured::before { opacity: 1; }

.t-card-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 14px;
}
.t-stars { display: flex; gap: 2px; }
.t-badge {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    font-family: var(--font-primary);
    font-size: 10.5px;
    font-weight: 700;
    letter-spacing: 0.05em;
    text-transform: uppercase;
    color: var(--color-accent-d);
    background: rgba(76,175,80,0.10);
    border: 1px solid rgba(76,175,80,0.20);
    padding: 3px 8px;
    border-radius: 20px;
}
.t-quote {
    font-family: var(--font-secondary);
    font-size: 15px;
    color: var(--gray-700);
    line-height: 1.65;
    margin: 0 0 auto;
    padding-bottom: 20px;
    flex: 1;
}
.t-person {
    display: flex;
    align-items: center;
    gap: 12px;
    padding-top: 16px;
    border-top: 1px solid var(--gray-100);
    margin-top: 0;
}
.t-avatar {
    width: 42px;
    height: 42px;
    border-radius: 50%;
    object-fit: cover;
    flex-shrink: 0;
    border: 2px solid var(--gray-100);
}
.t-meta { display: flex; flex-direction: column; gap: 3px; flex: 1; min-width: 0; }
.t-name {
    font-family: var(--font-primary);
    font-weight: 700;
    color: var(--color-darkest);
    font-size: 14px;
}
.t-loc {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    font-size: 12px;
    color: var(--gray-500);
}
.t-loc svg { color: var(--gray-400); flex-shrink: 0; }

/* ===================== TRANSPARENT RATES ===================== */
.rates-section { background: #F8FAFC; }

.rates-card {
    background: var(--color-white);
    border: 1px solid var(--gray-200);
    border-radius: 20px;
    overflow: hidden;
    box-shadow: 0 1px 3px rgba(15, 23, 42, 0.05), 0 16px 40px -16px rgba(13, 71, 161, 0.10);
}

.rates-table-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 20px 28px 16px;
    border-bottom: 1px solid var(--gray-100);
}
.rates-table-title {
    font-family: var(--font-primary);
    font-size: 15px;
    font-weight: 700;
    color: var(--color-darkest);
    margin: 0;
    letter-spacing: -0.01em;
}

.rates-table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; }

.rates-table {
    width: 100%;
    border-collapse: collapse;
    font-family: var(--font-secondary);
    font-size: 14px;
    font-variant-numeric: tabular-nums;
}
.rates-table thead tr {
    background: #F8FAFC;
    border-bottom: 1px solid var(--gray-200);
}
.rates-table th {
    padding: 12px 20px;
    font-family: var(--font-primary);
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--gray-500);
    text-align: left;
    white-space: nowrap;
}
.rates-table td {
    padding: 16px 20px;
    color: var(--gray-700);
    border-bottom: 1px solid var(--gray-100);
    white-space: nowrap;
}
.rates-table tbody tr:last-child td { border-bottom: none; }
.rates-table tbody tr:hover td { background: rgba(21, 101, 192, 0.025); }

/* Highlighted / popular row */
.rates-row--highlight td {
    background: linear-gradient(90deg, rgba(21,101,192,0.03) 0%, rgba(76,175,80,0.03) 100%);
}
.rates-row--highlight td:first-child {
    position: relative;
}
.rates-row--highlight td:first-child::before {
    content: 'Popular';
    position: absolute;
    left: 20px;
    top: 8px;
    font-family: var(--font-primary);
    font-size: 9px;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--color-accent-d);
}
.rates-row--highlight td:first-child .rates-amount {
    padding-top: 10px;
    display: block;
}

/* Cell type styles */
.rates-amount {
    font-family: var(--font-primary);
    font-size: 15px;
    font-weight: 700;
    color: var(--color-darkest);
}
.rates-apr {
    display: inline-block;
    font-family: var(--font-primary);
    font-size: 13px;
    font-weight: 700;
    color: var(--color-primary);
    background: rgba(21, 101, 192, 0.08);
    padding: 3px 8px;
    border-radius: 6px;
}
.rates-monthly {
    font-family: var(--font-primary);
    font-weight: 700;
    color: var(--color-darkest);
}
.rates-total {
    font-family: var(--font-primary);
    font-weight: 600;
    color: var(--gray-600);
}

.rates-footnote {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    margin: 0;
    padding: 16px 28px;
    font-family: var(--font-secondary);
    font-size: 12px;
    line-height: 1.6;
    color: var(--gray-500);
    background: #F8FAFC;
    border-top: 1px solid var(--gray-100);
}
.rates-footnote svg { flex-shrink: 0; margin-top: 2px; color: var(--gray-400); }

/* ===================== FAQ ===================== */
.faq-section { background: var(--color-white); }

.faq-layout {
    display: grid;
    grid-template-columns: 260px 1fr;
    gap: 64px;
    align-items: start;
}

/* LEFT sticky sidebar */
.faq-sidebar {
    position: sticky;
    top: 100px;
}
.faq-heading {
    font-family: var(--font-primary);
    font-size: clamp(28px, 3vw, 38px);
    font-weight: 800;
    color: var(--color-darkest);
    letter-spacing: -0.025em;
    line-height: 1.1;
    margin: 8px 0 14px;
}
.faq-sub {
    font-size: 15px;
    color: var(--gray-600);
    line-height: 1.6;
    margin: 0 0 28px;
}
.faq-cta {
    width: 100%;
    height: 50px;
    font-size: 14px;
    margin-bottom: 24px;
    justify-content: center;
}
.faq-trust {
    list-style: none;
    padding: 0;
    margin: 0;
    display: flex;
    flex-direction: column;
    gap: 10px;
}
.faq-trust li {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-family: var(--font-primary);
    font-size: 13px;
    font-weight: 600;
    color: var(--gray-600);
}
.faq-trust li svg { color: var(--color-accent-d); flex-shrink: 0; }

/* RIGHT accordion */
.faq-list {
    display: flex;
    flex-direction: column;
    gap: 0;
    border: 1px solid var(--gray-200);
    border-radius: 20px;
    overflow: hidden;
}
.faq-item {
    background: var(--color-white);
    border-bottom: 1px solid var(--gray-100);
    overflow: hidden;
    transition: background 0.2s ease;
}
.faq-item:last-child { border-bottom: none; }
.faq-item[open] { background: rgba(21, 101, 192, 0.02); }

.faq-q {
    list-style: none;
    cursor: pointer;
    padding: 20px 24px;
    display: flex;
    align-items: center;
    gap: 14px;
    user-select: none;
}
.faq-q::-webkit-details-marker { display: none; }
.faq-q::marker { content: ''; }

.faq-q-icon {
    width: 34px;
    height: 34px;
    border-radius: 10px;
    background: rgba(21, 101, 192, 0.07);
    color: var(--color-primary);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    transition: background 0.2s, color 0.2s;
}
.faq-item[open] .faq-q-icon {
    background: var(--color-primary);
    color: var(--color-white);
}

.faq-q-text {
    flex: 1;
    font-family: var(--font-primary);
    font-size: 15.5px;
    font-weight: 700;
    color: var(--color-darkest);
    letter-spacing: -0.005em;
}

.faq-icon {
    width: 30px;
    height: 30px;
    background: var(--gray-100);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gray-500);
    flex-shrink: 0;
    transition: transform 0.3s cubic-bezier(.16,1,.3,1), background 0.2s, color 0.2s;
}
.faq-item[open] .faq-icon {
    transform: rotate(180deg);
    background: rgba(21, 101, 192, 0.10);
    color: var(--color-primary);
}

.faq-a {
    padding: 0 24px 22px 72px;
    font-size: 15px;
    color: var(--gray-600);
    line-height: 1.7;
    margin: 0;
}
.faq-a strong { color: var(--color-darkest); font-weight: 700; }

/* ===================== SECONDARY CTA ===================== */
.secondary-cta {
    position: relative;
    background: linear-gradient(160deg, var(--color-darkest) 0%, var(--color-darker) 100%);
    color: var(--color-white);
    text-align: center;
    overflow: clip;
    isolation: isolate;
}
.cta-bg { position: absolute; inset: 0; pointer-events: none; }
.orb-cta-1 {
    width: 500px; height: 500px;
    background: radial-gradient(circle, rgba(76, 175, 80, 0.25), transparent 70%);
    top: -200px; left: -150px;
    border-radius: 50%;
    filter: blur(60px);
}
.orb-cta-2 {
    width: 400px; height: 400px;
    background: radial-gradient(circle, rgba(21, 101, 192, 0.4), transparent 70%);
    bottom: -150px; right: -100px;
    border-radius: 50%;
    filter: blur(60px);
}
.cta-inner {
    position: relative;
    z-index: 1;
    max-width: 720px;
}
.cta-eyebrow {
    display: inline-block;
    font-family: var(--font-primary);
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 0.18em;
    color: var(--color-accent);
    margin-bottom: 16px;
}
.cta-title {
    font-size: clamp(32px, 4.4vw, 48px);
    font-weight: 800;
    color: var(--color-white);
    margin: 0 0 14px;
    line-height: 1.1;
}
.cta-sub {
    font-size: 17px;
    color: var(--gray-400);
    margin: 0 0 32px;
}
.btn-cta-large {
    height: 64px;
    padding: 0 32px;
    font-size: 18px;
    border-radius: 14px;
}
.cta-trust-row {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 24px;
    margin-top: 24px;
    flex-wrap: wrap;
}
.cta-trust-row span {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 13px;
    color: rgba(255, 255, 255, 0.75);
    font-weight: 500;
}
.cta-trust-row svg { color: var(--color-accent); }

/* ===================== FOOTER ===================== */
.site-footer {
    background: #0B1628;
    color: var(--gray-400);
    overflow: clip;
}

/* ---- Top: brand + nav ---- */
.footer-top {
    padding: 64px 0 52px;
}
.footer-top-inner {
    display: grid;
    grid-template-columns: 1.5fr 2fr;
    gap: 64px;
    align-items: start;
}

/* Brand column */
.footer-logo {
    height: 48px;
    width: auto;
    margin-bottom: 18px;
    filter: brightness(1.15);
}
.footer-tagline {
    font-size: 14px;
    color: #8A9DBF;
    line-height: 1.7;
    margin: 0 0 24px;
    max-width: 300px;
}
.footer-badges {
    display: flex;
    gap: 8px;
    flex-wrap: wrap;
}
.footer-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-family: var(--font-primary);
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.06em;
    color: #C5D3E8;
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.09);
    padding: 6px 11px;
    border-radius: 7px;
}
.footer-badge svg { color: #4CAF50; flex-shrink: 0; }

/* Nav grid: 2 columns */
.footer-nav-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 32px;
}
.footer-heading {
    font-family: var(--font-primary);
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--color-white);
    margin: 0 0 18px;
}
.footer-links {
    list-style: none;
    padding: 0;
    margin: 0;
    display: flex;
    flex-direction: column;
    gap: 11px;
}
.footer-links a {
    color: #8A9DBF;
    font-size: 14px;
    transition: color 0.2s;
}
.footer-links a:hover { color: var(--color-white); }

.footer-contact {
    list-style: none;
    padding: 0;
    margin: 0;
    display: flex;
    flex-direction: column;
    gap: 13px;
}
.footer-contact li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 14px;
    color: #8A9DBF;
    line-height: 1.5;
}
.footer-contact svg { color: #4CAF50; flex-shrink: 0; margin-top: 2px; }
.footer-contact a { color: #C5D3E8; }
.footer-contact a:hover { color: var(--color-white); }

/* ---- Divider ---- */
.footer-divider {
    height: 1px;
    background: rgba(255, 255, 255, 0.07);
    margin: 0;
}

/* ---- Bottom: disclaimer + copyright ---- */
.footer-bottom {
    padding: 24px 0 24px;
}
.footer-disclaimer {
    font-size: 11.5px;
    color: #516078;
    line-height: 1.75;
    margin: 0 0 16px;
    max-width: none;
}

/* ---- Sub-footer disclosure block ---- */
.footer-disclosure {
    background: rgba(255, 255, 255, 0.035);
    border: 1px solid rgba(255, 255, 255, 0.075);
    border-radius: 10px;
    padding: 20px 24px 18px;
    margin: 0 0 24px;
}
.footer-disclosure-label {
    display: flex;
    align-items: center;
    gap: 7px;
    font-family: var(--font-primary);
    font-size: 10px;
    font-weight: 800;
    letter-spacing: 0.13em;
    text-transform: uppercase;
    color: #5A7496;
    margin: 0 0 14px;
}
.footer-disclosure-label svg {
    flex-shrink: 0;
    color: #4A8FC4;
}
.footer-disclosure p {
    font-family: var(--font-secondary);
    font-size: 11.5px;
    color: #5E7693;
    line-height: 1.82;
    margin: 0 0 10px;
}
.footer-disclosure p:last-of-type {
    margin-bottom: 0;
}
.footer-disclosure-link {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    margin-top: 14px;
    font-family: var(--font-primary);
    font-size: 11.5px;
    font-weight: 700;
    letter-spacing: 0.01em;
    color: #6EA5D4;
    text-decoration: none;
    transition: color 0.2s;
}
.footer-disclosure-link svg {
    transition: transform 0.2s;
}
.footer-disclosure-link:hover {
    color: #A5C8EC;
}
.footer-disclosure-link:hover svg {
    transform: translateX(3px);
}
.footer-bottom-row {
    display: block;
}
.footer-bottom-meta {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 12px 24px;
    width: 100%;
}
.footer-copy {
    font-family: var(--font-primary);
    font-size: 13px;
    font-weight: 600;
    color: #516078;
    line-height: 1.4;
    margin-left: auto;
    text-align: right;
}
.footer-mini-links {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 8px 20px;
}
.footer-mini-links a {
    font-family: var(--font-primary);
    font-size: 12.5px;
    font-weight: 600;
    color: #516078;
    transition: color 0.2s;
}
.footer-mini-links a:hover { color: var(--color-white); }

/* Floating glass card (left) + scroll-to-top (right) */
.float-apply-badge {
    position: fixed;
    left: max(20px, env(safe-area-inset-left, 0px));
    bottom: max(24px, env(safe-area-inset-bottom, 0px));
    z-index: 95;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 8px;
    width: min(248px, calc(100vw - 40px - env(safe-area-inset-left, 0px) - env(safe-area-inset-right, 0px)));
    padding: 14px 16px 14px;
    border-radius: 22px;
    font-family: var(--font-secondary);
    text-decoration: none;
    cursor: pointer;
    text-align: left;
    color: var(--gray-700);
    /* true frosted-glass: needs a colourful background behind it to show */
    background: rgba(255, 255, 255, 0.62);
    border: 1px solid rgba(255, 255, 255, 0.7);
    backdrop-filter: blur(28px) saturate(1.8) brightness(1.06);
    -webkit-backdrop-filter: blur(28px) saturate(1.8) brightness(1.06);
    box-shadow:
        0 0 0 1px rgba(255, 255, 255, 0.55) inset,
        0 2px 6px rgba(15, 23, 42, 0.05),
        0 22px 52px -16px rgba(15, 23, 42, 0.18),
        0 8px 24px -10px rgba(21, 101, 192, 0.1);
    isolation: isolate;
    overflow: hidden;
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transform: translateY(12px);
    transition:
        opacity 0.28s ease,
        visibility 0.28s ease,
        transform 0.28s ease,
        box-shadow 0.25s ease,
        border-color 0.25s ease;
}
/* Top-left diagonal sheen — keeps the glass feel */
.float-apply-badge__sheen {
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 55%;
    background: linear-gradient(
        118deg,
        rgba(255, 255, 255, 0.68) 0%,
        rgba(255, 255, 255, 0) 55%
    );
    pointer-events: none;
    z-index: 0;
    border-radius: 22px 22px 0 0;
}
/* Timer row: inline clock icon + "Offer in X:XX" */
.float-apply-badge__timer-row {
    position: relative;
    z-index: 1;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
    font-size: 12px;
    font-weight: 400;
    color: var(--gray-500);
    letter-spacing: 0.01em;
    line-height: 1;
    width: 100%;
}
.float-apply-badge__clock-icon {
    flex-shrink: 0;
    color: rgba(21, 101, 192, 0.6);
    display: block;
}
.float-apply-badge__offer {
    line-height: 1;
}
.float-apply-badge__time {
    font-family: var(--font-primary);
    font-weight: 600;
    font-size: 12.5px;
    font-variant-numeric: tabular-nums;
    letter-spacing: 0.03em;
    color: var(--color-primary);
    margin-left: 1px;
}
/* Main headline */
.float-apply-badge__title {
    position: relative;
    z-index: 1;
    font-family: var(--font-secondary);
    font-size: 14.5px;
    font-weight: 500;
    letter-spacing: -0.01em;
    line-height: 1.35;
    color: var(--gray-800);
    text-align: center;
    width: 100%;
}
/* Request funds pill */
.float-apply-badge__btn {
    position: relative;
    z-index: 1;
    display: inline-flex;
    align-items: center;
    gap: 6px;
    align-self: center;
    width: 100%;
    justify-content: center;
    padding: 9px 16px;
    border-radius: 999px;
    font-family: var(--font-primary);
    font-size: 12.5px;
    font-weight: 600;
    letter-spacing: 0.01em;
    color: var(--color-white);
    background: linear-gradient(135deg, var(--color-accent-l) 0%, var(--color-accent-d) 100%);
    box-shadow:
        0 2px 10px rgba(46, 125, 50, 0.35),
        inset 0 1px 0 rgba(255, 255, 255, 0.22);
    transition: transform 0.2s ease, box-shadow 0.2s ease, filter 0.2s ease;
}
.float-apply-badge__btn svg {
    flex-shrink: 0;
    opacity: 0.9;
    transition: transform 0.2s ease;
}
.float-apply-badge.is-visible {
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
    transform: translateY(0);
}
.float-apply-badge:hover {
    transform: translateY(-3px);
    border-color: rgba(255, 255, 255, 0.82);
    box-shadow:
        0 0 0 1px rgba(255, 255, 255, 0.6) inset,
        0 26px 56px -18px rgba(15, 23, 42, 0.2),
        0 10px 28px -12px rgba(21, 101, 192, 0.12);
}
.float-apply-badge:hover .float-apply-badge__btn {
    filter: brightness(1.06);
    box-shadow:
        0 4px 16px rgba(46, 125, 50, 0.45),
        inset 0 1px 0 rgba(255, 255, 255, 0.28);
}
.float-apply-badge:hover .float-apply-badge__btn svg {
    transform: translateX(2px);
}
a.float-apply-badge,
a.float-apply-badge:hover {
    color: var(--gray-700);
}

/* Scroll-to-top: fixed above page/footer (not inside footer layout) */
.scroll-top-btn {
    position: fixed;
    right: max(20px, env(safe-area-inset-right, 0px));
    bottom: max(24px, env(safe-area-inset-bottom, 0px));
    z-index: 95;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 42px;
    height: 42px;
    border-radius: 12px;
    border: 1px solid rgba(255, 255, 255, 0.22);
    background: linear-gradient(135deg, var(--color-accent-l) 0%, var(--color-accent-d) 100%);
    color: var(--color-white);
    cursor: pointer;
    flex-shrink: 0;
    box-shadow:
        0 8px 28px rgba(76, 175, 80, 0.42),
        0 2px 10px rgba(15, 23, 42, 0.18);
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transform: translateY(12px);
    transition:
        opacity 0.28s ease,
        visibility 0.28s ease,
        transform 0.28s ease,
        background 0.2s,
        color 0.2s,
        border-color 0.2s,
        box-shadow 0.2s,
        filter 0.2s;
}
.scroll-top-btn.is-visible {
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
    transform: translateY(0);
}
.scroll-top-btn:hover {
    filter: brightness(1.08);
    border-color: rgba(255, 255, 255, 0.32);
    color: var(--color-white);
    transform: translateY(-2px);
    box-shadow:
        0 12px 32px rgba(76, 175, 80, 0.5),
        0 4px 14px rgba(15, 23, 42, 0.2);
}


/* ===================== SCROLL ANIMATIONS ===================== */
html.reveal-ready .section-reveal {
    opacity: 0;
    transition: opacity 0.56s cubic-bezier(.2, .8, .2, 1);
}
html.reveal-ready .section-reveal.is-revealing {
    will-change: opacity;
}
html.reveal-ready .section-reveal.visible {
    opacity: 1;
}
html.reveal-ready .animate {
    opacity: 0;
    transform: translate3d(0, 14px, 0);
    backface-visibility: hidden;
    transition: opacity 0.42s cubic-bezier(.2, .8, .2, 1), transform 0.42s cubic-bezier(.2, .8, .2, 1);
}
html.reveal-ready .animate.is-revealing {
    will-change: transform, opacity;
}
html.reveal-ready .animate.visible {
    opacity: 1;
    transform: translate3d(0, 0, 0);
}
.stagger-1 { transition-delay: 0ms; }
.stagger-2 { transition-delay: 50ms; }
.stagger-3 { transition-delay: 100ms; }

.stagger.visible > *:nth-child(1) { transition-delay: 0ms; }
html.reveal-ready .stagger.visible > *:nth-child(2) { transition-delay: 45ms; }
html.reveal-ready .stagger.visible > *:nth-child(3) { transition-delay: 90ms; }
html.reveal-ready .stagger.visible > *:nth-child(4) { transition-delay: 135ms; }
html.reveal-ready .stagger.visible > *:nth-child(5) { transition-delay: 180ms; }
html.reveal-ready .stagger > * {
    opacity: 0;
    transform: translate3d(0, 10px, 0);
    backface-visibility: hidden;
    transition: opacity 0.36s cubic-bezier(.2, .8, .2, 1), transform 0.36s cubic-bezier(.2, .8, .2, 1);
}
html.reveal-ready .stagger.is-revealing > * {
    will-change: transform, opacity;
}
html.reveal-ready .stagger.visible > * {
    opacity: 1;
    transform: translate3d(0, 0, 0);
}

/* ===================== RESPONSIVE ===================== */
@media (max-width: 1199px) {
    .hero-inner { gap: 40px; }
    .calc-card { padding: 36px; gap: 36px; }
    .footer-top-inner { gap: 40px; }
    .footer-nav-grid { gap: 24px; }
}

@media (max-width: 960px) {
    .hero-inner {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    .hero-form-wrap { order: -1; max-width: 540px; margin: 0 auto; width: 100%; }
    .hero-copy { max-width: none; text-align: center; margin: 0 auto; }
    .hero-badges { justify-content: center; }
    .hero-proof  { justify-content: center; }
    .hero-stats  { justify-content: center; }
    .calc-card { grid-template-columns: 1fr; }
    .calc-controls { padding: 28px 24px 24px; gap: 22px; }
    .t-header-inner { flex-direction: column; align-items: flex-start; gap: 16px; }
    .t-card { flex: 0 0 288px; }
    .t-fade { width: 40px; }
    .footer-top-inner { grid-template-columns: 1fr; gap: 36px; }
    .footer-nav-grid { grid-template-columns: repeat(2, 1fr); gap: 20px; }
    .header-nav { display: none; }
    .trust-inner { grid-template-columns: repeat(2, 1fr); }
    .trust-item:nth-child(2) { border-right: none; }
    .trust-item:nth-child(3) { border-right: 1px solid rgba(255,255,255,0.10); }
    .trust-item:nth-child(1),
    .trust-item:nth-child(2) { border-bottom: 1px solid rgba(255,255,255,0.10); }
}

@media (max-width: 960px) and (min-width: 769px) {
    /* Tablet hero should follow the mobile stacked layout, not the in-between desktop one */
    .hero-inner { display: flex; flex-direction: column; gap: 0; }
    .hero-copy  { display: contents; }

    .hero-eyebrow  { order: 1; margin-bottom: 12px; }
    .hero-headline { order: 2; margin-bottom: 12px; }
    .hero-sub      { order: 3; margin-bottom: 16px; }
    .hero-form-wrap { order: 4; margin-bottom: 22px; max-width: 620px; width: 100%; }
    .hero-proof    { order: 5; margin-bottom: 10px; }
    .hero-badges   { order: 6; margin-bottom: 10px; }
    .hero-stats    { order: 7; margin-bottom: 0; }

    .hero {
        min-height: 0;
        justify-content: flex-start;
        padding: calc(var(--header-h) + 24px) 0 56px;
    }
    .hero-copy { text-align: center; margin: 0 auto; max-width: none; }
    .hero-headline { font-size: 54px; line-height: 1.03; letter-spacing: -0.04em; }
    .hero-sub { font-size: 16px; line-height: 1.58; max-width: 100%; }
    .hero-badges,
    .hero-proof,
    .hero-stats { justify-content: center; }

    .lead-form { padding: 30px 24px 24px; border-radius: 22px; }
    .form-title { font-size: 25px; }
    .amount-hero { padding: 12px 14px 13px; margin-bottom: 12px; }
    .amount-input { font-size: 32px; }
    .amount-selector {
        grid-template-columns: repeat(4, minmax(0, 1fr));
        gap: 12px 10px;
        padding-top: 12px;
        margin-bottom: 20px;
    }
    .amount-chip {
        min-height: 48px;
        padding: 12px 8px;
        border-radius: 14px;
    }
}

@media (max-width: 768px) {
    .section { padding: 56px 0; overflow: clip; }
    .container { padding: 0 20px; }

    /* ---- Header mobile ---- */
    :root { --header-h: 62px; }
    .site-header { overflow: visible; }
    .header-inner {
        position: relative;
        gap: 0;
        justify-content: space-between;
    }
    .logo-link {
        position: absolute;
        left: 50%;
        transform: translateX(-50%);
        z-index: 1;
    }
    .logo-img { height: 44px; }

    /* Show spacer (left) + hamburger (right), hide desktop elements */
    .mob-header-spacer { display: block; }
    .mob-menu-btn      { display: flex; }
    .header-dropdown-desktop,
    .header-cta-desktop,
    .header-phone { display: none !important; }
    .header-actions { gap: 0; }
    .phone-text { display: none; }

    /* ---- Hero layout: form below subheading ---- */
    .hero-inner { display: flex; flex-direction: column; gap: 0; }
    .hero-copy  { display: contents; }

    .hero-eyebrow  { order: 1; margin-bottom: 12px; }
    .hero-headline { order: 2; margin-bottom: 10px; }
    .hero-sub      { order: 3; margin-bottom: 14px; }
    .hero-form-wrap { order: 4; margin-bottom: 20px; max-width: 100%; width: 100%; }
    .hero-proof    { order: 5; margin-bottom: 10px; }
    .hero-badges   { order: 6; margin-bottom: 10px; }
    .hero-stats    { order: 7; margin-bottom: 0; }

    /* ---- Hero sizing (stacked layout — no full-viewport center) ---- */
    .hero {
        min-height: 0;
        justify-content: flex-start;
        padding: calc(var(--header-h) + 16px) 0 48px;
    }
    .hero-headline { font-size: 46px; line-height: 1.04; letter-spacing: -0.035em; }
    .hero-sub { font-size: 15px; line-height: 1.55; max-width: 100%; }

    /* ---- Eyebrow pill — compact ---- */
    .hero-eyebrow {
        font-size: 10px;
        padding: 4px 9px 4px 7px;
        gap: 5px;
        margin-bottom: 10px;
        border-radius: 999px;
    }
    .dot-pulse { width: 6px; height: 6px; }

    /* ---- Lead form ---- */
    .lead-form { padding: 28px 22px 22px; border-radius: 20px; }
    .form-header { margin-bottom: 12px; }
    .form-header { margin: 0 0 20px; }
    .form-title { font-size: 24px; }
    .amount-hero { padding: 11px 13px 12px; margin-bottom: 12px; }
    .amount-meta-label { font-size: 9.5px; }
    .amount-timer { font-size: 10px; padding: 2px 6px 2px 5px; }
    .amount-input { font-size: 30px; }
    .amount-currency { font-size: 18px; }
    .amount-foot { font-size: 10.5px; margin-top: 8px; }
    .chip-badge { font-size: 8.5px; padding: 3px 7px; top: -10px; }
    .chip-badge svg { width: 8px; height: 8px; }
    .amount-selector {
        grid-template-columns: repeat(4, minmax(0, 1fr));
        gap: 14px 10px;
        padding-top: 12px;
        margin-bottom: 20px;
    }
    .amount-chip {
        font-size: clamp(12px, 3.1vw, 14px);
        min-height: 48px;
        padding: 12px 6px;
        border-radius: 14px;
    }
    .activity-ticker { padding: 9px 12px; }
    .ticker-item { font-size: 12px; }
    .form-trust-strip { gap: 8px; flex-wrap: wrap; justify-content: center; }
    .trust-strip-item { font-size: 11px; }
    .trust-strip-divider { display: none; }

    /* ---- How It Works — disable scroll stack ---- */
    .steps-scroll-outer { height: auto; }
    .steps-scroll-sticky {
        position: relative;
        top: auto;
        height: auto;
        padding: 48px 0 40px;
        justify-content: flex-start;
    }
    /* perf-lite rules have higher specificity; force the same mobile layout there too */
    html.perf-lite .steps-scroll-sticky {
        position: relative;
        top: auto;
        height: auto;
        padding: 48px 0 40px;
        justify-content: flex-start;
    }
    .steps-scroll-sticky .container { height: auto; padding-top: 0; padding-bottom: 0; }
    .steps-scroll-sticky .section-head { padding-top: 0; }
    .steps-showcase { grid-template-columns: 1fr; gap: 16px; }
    html.perf-lite .steps-showcase { grid-template-columns: 1fr; gap: 16px; }
    .steps-preview { display: none; } /* hide desktop mockup on mobile */
    .steps-stack-wrap { width: 100%; }
    .steps-stack {
        height: auto;
        display: flex;
        flex-direction: column-reverse; /* reverses 03→02→01 back to 01→02→03 */
        gap: 12px;
    }
    .step-card {
        position: relative;
        inset: auto;
        transform: none !important;
        opacity: 1 !important;
        margin-bottom: 0;
        width: 100%;
        grid-template-columns: 56px minmax(0, 1fr);
        gap: 10px;
        padding: 14px 14px;
        border-radius: 14px;
    }
    .step-card.is-active { border-color: var(--gray-200); box-shadow: none; }
    .step-card-num { font-size: 28px; align-self: flex-start; }
    .step-card-title { font-size: 15px; margin-bottom: 4px; }
    .step-card-desc { font-size: 12.5px; line-height: 1.45; margin-bottom: 8px; }
    .step-card-meta { font-size: 11px; padding: 3px 8px; }

    /* ---- Calculator ---- */
    .calc-card {
        border-radius: 20px;
        display: flex;
        flex-direction: column;
    }
    /* Result panel first — user sees the number immediately */
    .calc-result { order: -1; }
    .calc-controls { order: 1; gap: 20px; padding: 24px 20px 20px; }

    /* Result panel sizing */
    .calc-result {
        padding: 28px 24px 28px;
        border-radius: 20px 20px 0 0;
        align-items: center;
        text-align: center;
    }
    .result-label { font-size: 10px; letter-spacing: 0.12em; margin-bottom: 8px; }
    .result-value { font-size: 56px; margin-bottom: 4px; }
    .result-currency { font-size: 28px; }
    .result-sub { font-size: 12px; margin-bottom: 20px; }
    .result-stats {
        width: 100%;
        margin-bottom: 18px;
    }
    .result-stat { padding: 12px 6px; }
    .result-stat-label { font-size: 9.5px; white-space: normal; text-align: center; }
    .result-stat-val { font-size: 14px; }
    .result-stat-val--green { font-size: 13px; }
    .result-trust { font-size: 10.5px; gap: 6px 12px; margin-top: 14px; }
    .btn-calc-cta { height: 50px; font-size: 14.5px; }

    /* Controls */
    .slider-label { font-size: 11px; }
    .slider-value { font-size: 20px; }
    .calc-chip { font-size: 12px; padding: 6px 10px; }
    .calc-breakdown { padding: 14px 14px; }
    .calc-breakdown-label { font-size: 10.5px; margin-bottom: 8px; }
    .legend-item { font-size: 11.5px; }
    .slider-track-labels { font-size: 11px; }

    /* ---- Trust bar — 2×2 grid, allow text wrap ---- */
    .trust-inner { grid-template-columns: repeat(2, 1fr); }
    .trust-item {
        padding: 16px 14px;
        gap: 10px;
        justify-content: flex-start;
    }
    .trust-label { white-space: normal; font-size: 13px; }
    .trust-sub   { white-space: normal; font-size: 11px; }
    .trust-icon  { width: 32px; height: 32px; flex-shrink: 0; }
    .trust-item:nth-child(2) { border-right: none; }
    .trust-item:nth-child(3) { border-right: 1px solid rgba(255,255,255,0.10); }
    .trust-item:nth-child(1),
    .trust-item:nth-child(2) { border-bottom: 1px solid rgba(255,255,255,0.10); }

    /* ---- Stats row ---- */
    .hero-stats {
        gap: 0;
        padding-top: 18px;
        justify-content: space-around;
    }
    .stat-divider { display: none; }
    .stat-item { flex: 1; text-align: center; }
    .stat-item .stat-num { font-size: 26px; }
    .stat-item .stat-label { font-size: 10px; margin-top: 4px; }

    /* ---- Proof row ---- */
    .hero-proof { margin-bottom: 10px; }
    .proof-text { font-size: 12.5px; }
    .avatar { width: 32px; height: 32px; }

    /* ---- Badges ---- */
    .hero-badges { gap: 8px 16px; margin-bottom: 10px; }
    .hero-badges li { font-size: 13px; gap: 6px; }
    .badge-check { width: 16px; height: 16px; }
    .badge-check svg { width: 10px; height: 10px; }
    /* Mobile hero: show only two trust badges */
    .hero-badges li:nth-child(n+3) { display: none; }

    /* ---- Footer ---- */
    .footer-top { padding: 48px 0 36px; }
    .footer-top-inner { grid-template-columns: 1fr; gap: 32px; }
    .footer-nav-grid { grid-template-columns: 1fr 1fr; gap: 24px 16px; }
    .footer-bottom-meta { flex-direction: column; align-items: stretch; gap: 12px; }
    .footer-copy { margin-left: 0; text-align: left; }

    /* ---- Floating chrome ---- */
    .scroll-top-btn { display: none !important; } /* hidden on mobile */
    .float-apply-badge {
        left: 50%;
        transform: translateX(-50%) translateY(12px);
        bottom: calc(24px + env(safe-area-inset-bottom, 0px));
        width: min(260px, calc(100vw - 48px));
        padding: 13px 16px;
        gap: 7px;
        border-radius: 20px;
    }
    .float-apply-badge.is-visible {
        transform: translateX(-50%) translateY(0);
    }
    .float-apply-badge__title { font-size: 14px; }
    .float-apply-badge__btn  { font-size: 12px; padding: 8px 14px; }

    /* ---- Secondary CTA section ---- */
    .cta-trust-row { gap: 14px; }
    .secondary-cta { padding: 64px 0; }
    .btn-cta-large { width: 100%; height: 58px; font-size: 16px; padding: 0 24px; }

    /* ---- iOS zoom prevention ---- */
    .form-input { font-size: 16px; }
    .slider { height: 10px; }
    .slider::-webkit-slider-thumb { width: 30px; height: 30px; }
    .slider::-moz-range-thumb { width: 30px; height: 30px; }
}

@media (max-width: 480px) {
    .hero-headline { font-size: 40px; letter-spacing: -0.03em; line-height: 1.06; }
    .container { padding: 0 16px; }

    /* Lead form */
    .lead-form { padding: 22px 16px 18px; }
    .form-title { font-size: 23px; }
    .amount-chip {
        font-size: 12px;
        min-height: 44px;
        padding: 10px 4px;
        border-radius: 12px;
    }
    .chip-badge { font-size: 8px; letter-spacing: 0.08em; padding: 2px 6px; }
    .chip-badge svg { display: none; }
    .amount-input { font-size: 28px; }
    .amount-currency { font-size: 17px; }
    .amount-timer { display: none; }
    .secondary-value { font-size: 16px; }

    /* Sections */
    .section { padding: 48px 0; }
    .testimonial-card { padding: 22px 18px; }
    .faq-layout { grid-template-columns: 1fr; gap: 28px; }
    .faq-sidebar { position: static; }
    .faq-q { padding: 14px 16px; }
    .faq-a { padding: 0 14px 14px 44px; font-size: 13.5px; }

    /* Stats & proof */
    .stat-item .stat-num { font-size: 24px; }
    .hero-badges li { font-size: 12.5px; }
    .avatar { width: 30px; height: 30px; }
    .hero-proof { gap: 8px; }
    .proof-text { font-size: 12px; }

    /* Floating badge — centered, compact */
    .float-apply-badge {
        left: 50%;
        transform: translateX(-50%) translateY(12px);
        width: min(240px, calc(100vw - 40px));
        padding: 11px 14px;
        gap: 6px;
        border-radius: 18px;
    }
    .float-apply-badge.is-visible {
        transform: translateX(-50%) translateY(0);
    }
    .float-apply-badge__title { font-size: 13px; }
    .float-apply-badge__btn  { font-size: 11.5px; padding: 7px 11px; }
}

/* ===================== DISCLOSURE MODAL ===================== */
.modal-overlay {
    position: fixed;
    inset: 0;
    z-index: 9000;
    background: rgba(6, 18, 40, 0.68);
    backdrop-filter: blur(6px);
    -webkit-backdrop-filter: blur(6px);
    display: flex;
    align-items: center;
    justify-content: center;
    padding: clamp(12px, 3.5vw, 20px);
    opacity: 1;
    transition: opacity 0.22s ease-out;
    overflow: hidden;
    overscroll-behavior: contain;
}
.modal-overlay[hidden] {
    display: none;
}
.modal-card {
    width: 100%;
    max-width: 600px;
    max-height: min(90dvh, 760px);
    display: flex;
    flex-direction: column;
    border-radius: 20px;
    overflow: hidden;
    min-height: 0;
    background: #F8FAFC;
    border: 1px solid rgba(226, 232, 240, 0.9);
    box-shadow:
        0 0 0 1px rgba(255, 255, 255, 0.06),
        0 40px 80px -20px rgba(6, 18, 40, 0.6),
        0 16px 40px -12px rgba(6, 18, 40, 0.32);
}
.modal-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 20px 22px 18px;
    flex-shrink: 0;
    background: linear-gradient(135deg, #061E3D 0%, #0A3272 52%, #1565C0 100%);
    position: relative;
    overflow: hidden;
}
.modal-header::before {
    content: '';
    position: absolute;
    top: -50px;
    right: -40px;
    width: 180px;
    height: 180px;
    background: radial-gradient(circle, rgba(76, 175, 80, 0.28), transparent 68%);
    pointer-events: none;
}
.modal-header::after {
    content: '';
    position: absolute;
    bottom: -20px;
    left: 30%;
    width: 120px;
    height: 80px;
    background: radial-gradient(circle, rgba(21, 101, 192, 0.35), transparent 70%);
    pointer-events: none;
}
.modal-hd-left {
    display: flex;
    align-items: center;
    gap: 14px;
    position: relative;
    z-index: 1;
}
.modal-hd-icon {
    width: 42px;
    height: 42px;
    border-radius: 12px;
    background: rgba(255, 255, 255, 0.14);
    border: 1px solid rgba(255, 255, 255, 0.22);
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(255, 255, 255, 0.92);
    flex-shrink: 0;
}
.modal-title {
    font-family: var(--font-primary);
    font-size: 17px;
    font-weight: 800;
    color: #FFFFFF;
    letter-spacing: -0.02em;
    margin: 0;
    line-height: 1.2;
}
.modal-subtitle {
    font-family: var(--font-secondary);
    font-size: 11px;
    font-weight: 500;
    color: rgba(255, 255, 255, 0.52);
    margin: 3px 0 0;
    letter-spacing: 0.01em;
}
.modal-close {
    position: relative;
    z-index: 1;
    width: 32px;
    height: 32px;
    border-radius: 50%;
    border: 1px solid rgba(255, 255, 255, 0.25);
    background: rgba(255, 255, 255, 0.14);
    color: rgba(255, 255, 255, 0.82);
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    transition: background 0.18s ease-out, color 0.18s ease-out, border-color 0.18s ease-out;
    flex-shrink: 0;
}
.modal-close:hover {
    background: rgba(255, 255, 255, 0.26);
    color: #FFFFFF;
    border-color: rgba(255, 255, 255, 0.45);
}
.modal-close:focus-visible {
    outline: 3px solid rgba(255, 255, 255, 0.45);
    outline-offset: 2px;
}

/* ===================== DISCLOSURE DIALOG (REDESIGN) ===================== */
.disclosure-dialog {
    position: fixed;
    inset: 0;
    z-index: 9400;
    display: grid;
    place-items: center;
    padding: clamp(12px, 3.5vw, 24px);
    background: rgba(2, 10, 27, 0.64);
    backdrop-filter: blur(4px);
    -webkit-backdrop-filter: blur(4px);
}
.disclosure-dialog[hidden] {
    display: none;
}
.disclosure-dialog__backdrop {
    position: absolute;
    inset: 0;
}
.disclosure-dialog__panel {
    position: relative;
    z-index: 1;
    width: min(760px, 100%);
    max-height: min(88dvh, 780px);
    border-radius: 18px;
    overflow: hidden;
    background: #FFFFFF;
    border: 1px solid rgba(226, 232, 240, 0.95);
    box-shadow:
        0 2px 6px rgba(15, 23, 42, 0.08),
        0 22px 60px rgba(2, 10, 27, 0.4);
    display: grid;
    grid-template-rows: auto minmax(0, 1fr);
}
.disclosure-dialog__header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 10px;
    padding: 14px 16px;
    background: linear-gradient(135deg, #0A2D62 0%, #1565C0 100%);
    border-bottom: 1px solid rgba(255, 255, 255, 0.14);
}
.disclosure-dialog__title {
    margin: 0;
    font-family: var(--font-primary);
    font-size: 18px;
    font-weight: 800;
    letter-spacing: -0.02em;
    color: #FFFFFF;
}
.disclosure-dialog__close {
    width: 34px;
    height: 34px;
    border: 0;
    border-radius: 999px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    color: #E2E8F0;
    background: rgba(255, 255, 255, 0.16);
    cursor: pointer;
    transition: background 0.18s ease, color 0.18s ease;
    flex-shrink: 0;
}
.disclosure-dialog__close:hover {
    background: rgba(255, 255, 255, 0.28);
    color: #FFFFFF;
}
.disclosure-dialog__close:focus-visible {
    outline: 2px solid rgba(255, 255, 255, 0.85);
    outline-offset: 2px;
}
.disclosure-dialog__body {
    overflow: auto;
    overscroll-behavior: contain;
    -webkit-overflow-scrolling: touch;
    padding: 18px 18px 24px;
    background: #F8FAFC;
    scrollbar-gutter: stable;
}
.disclosure-dialog__body .disc-section {
    margin: 0;
    padding: 0 0 18px;
    background: transparent;
    border: 0;
    border-radius: 0;
    box-shadow: none;
}
.disclosure-dialog__body .disc-section + .disc-section {
    margin-top: 16px;
    padding-top: 16px;
    border-top: 1px solid #E2E8F0;
}
.disclosure-dialog__body .disc-heading {
    margin: 0 0 10px;
    font-size: 16px;
    font-weight: 700;
    color: #0F172A;
    text-transform: none;
    letter-spacing: -0.01em;
    line-height: 1.3;
}
.disclosure-dialog__body .disc-heading::before {
    display: none;
}
.disclosure-dialog__body .disc-subheading {
    margin: 12px 0 6px;
    color: #0F172A;
    font-size: 14px;
    letter-spacing: -0.01em;
}
.disclosure-dialog__body .disc-section p {
    margin: 0 0 12px;
    font-size: 14px;
    line-height: 1.65;
    color: #334155;
}
.disclosure-dialog__body .disc-note {
    margin-top: 10px !important;
    background: #EFF6FF;
    border-color: #BFDBFE;
    color: #334155 !important;
}
.disclosure-dialog__body > h3 {
    margin: 0 0 10px;
    font-size: 16px;
    line-height: 1.3;
    font-weight: 700;
    color: #0F172A;
    letter-spacing: -0.01em;
}
.disclosure-dialog__body > h3:not(:first-child) {
    margin-top: 18px;
}
.disclosure-dialog__body > p {
    margin: 0 0 12px;
    font-size: 14px;
    line-height: 1.65;
    color: #334155;
}

/* ===================== EXIT OFFER ===================== */
.exit-offer {
    position: fixed;
    inset: 0;
    z-index: 9200;
    display: grid;
    place-items: center;
    padding: 22px;
}
.exit-offer[hidden] { display: none; }
.exit-offer__backdrop {
    position: absolute;
    inset: 0;
    background:
        radial-gradient(circle at 50% 8%, rgba(67, 160, 71, 0.28), transparent 34%),
        radial-gradient(circle at 14% 88%, rgba(21, 101, 192, 0.24), transparent 32%),
        rgba(3, 10, 24, 0.72);
    backdrop-filter: blur(10px) saturate(1.15);
    -webkit-backdrop-filter: blur(10px) saturate(1.15);
    animation: exitBackdropIn 0.18s ease-out both;
}
.exit-offer__card {
    position: relative;
    z-index: 1;
    width: min(480px, 100%);
    max-height: min(88vh, 760px);
    padding: 28px 28px 24px;
    border-radius: 24px;
    background:
        linear-gradient(180deg, rgba(255,255,255,0.98), rgba(248,250,252,0.96)),
        radial-gradient(circle at 18% -4%, rgba(76, 175, 80, 0.18), transparent 38%),
        radial-gradient(circle at 100% 10%, rgba(21, 101, 192, 0.16), transparent 42%);
    border: 1px solid rgba(255, 255, 255, 0.82);
    box-shadow:
        0 0 0 1px rgba(15, 23, 42, 0.08),
        0 42px 90px -24px rgba(3, 10, 24, 0.52),
        0 18px 46px -18px rgba(21, 101, 192, 0.34),
        inset 0 1px 0 rgba(255,255,255,0.92);
    text-align: center;
    overflow: hidden;
    animation: exitCardIn 0.28s cubic-bezier(.2, .9, .25, 1.08) both;
}
.exit-offer__card::before {
    content: "";
    position: absolute;
    inset: 0 0 auto;
    height: 5px;
    background: linear-gradient(90deg, var(--color-primary), var(--color-accent-l), var(--color-accent-d));
}
.exit-offer__close {
    position: absolute;
    top: 16px;
    right: 16px;
    width: 38px;
    height: 38px;
    border-radius: 12px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    color: var(--gray-500);
    background: rgba(241, 245, 249, 0.86);
    transition: background 0.18s ease, color 0.18s ease, transform 0.18s ease;
}
.exit-offer__close:hover {
    background: var(--gray-200);
    color: var(--gray-900);
    transform: rotate(4deg);
}
.exit-offer__top {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    margin: 2px 0 16px;
    padding: 8px 14px;
    border-radius: 999px;
    background: linear-gradient(135deg, rgba(76, 175, 80, 0.13), rgba(21, 101, 192, 0.08));
    color: var(--color-accent-d);
    font-family: var(--font-primary);
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 0.075em;
    text-transform: uppercase;
    border: 1px solid rgba(76, 175, 80, 0.18);
}
.exit-offer__pulse {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: var(--color-accent);
    box-shadow: 0 0 0 0 rgba(76, 175, 80, 0.5);
    animation: exitPulse 1.8s ease-out infinite;
}
.exit-offer__title {
    font-family: var(--font-primary);
    font-size: clamp(30px, 4vw, 44px);
    font-weight: 900;
    line-height: 0.98;
    letter-spacing: -0.045em;
    color: var(--color-darkest);
    margin: 0 auto 12px;
    max-width: 420px;
}
.exit-offer__title span {
    color: var(--color-accent-d);
    white-space: nowrap;
}
.exit-offer__copy {
    max-width: 340px;
    margin: 0 auto 14px;
    color: var(--gray-700);
    font-size: 15px;
    line-height: 1.55;
    font-weight: 600;
}
.exit-offer__meter {
    position: relative;
    height: 8px;
    margin: 0 auto 10px;
    max-width: 330px;
    border-radius: 999px;
    background: rgba(21, 101, 192, 0.10);
    overflow: hidden;
}
.exit-offer__meter-fill {
    display: block;
    width: 72%;
    height: 100%;
    border-radius: inherit;
    background: linear-gradient(90deg, var(--color-accent-l), var(--color-accent-d));
    box-shadow: 0 0 18px rgba(76, 175, 80, 0.35);
    animation: exitMeter 2.8s ease-in-out infinite;
}
.exit-offer__timer {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    margin-bottom: 18px;
    padding: 10px 14px;
    border-radius: 14px;
    color: var(--color-primary);
    background: rgba(21, 101, 192, 0.09);
    font-family: var(--font-primary);
    font-size: 14px;
    font-weight: 800;
    box-shadow: inset 0 0 0 1px rgba(21, 101, 192, 0.08);
}
.exit-offer__timer-icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 28px;
    height: 28px;
    border-radius: 10px;
    color: var(--color-primary);
    background: var(--color-white);
}
.exit-offer__timer strong {
    color: var(--color-accent-d);
    font-variant-numeric: tabular-nums;
    font-size: 16px;
}
.exit-offer__amount-label {
    margin: 0 0 8px;
    color: var(--gray-500);
    font-family: var(--font-secondary);
    font-size: 12.5px;
    font-weight: 700;
    letter-spacing: 0.02em;
}
.exit-offer__amounts {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 8px;
    margin: 0 0 14px;
}
.exit-offer__amount-btn {
    min-height: 42px;
    border-radius: 13px;
    padding: 0 12px;
    background: linear-gradient(135deg, #1976D2 0%, #1565C0 100%);
    color: #fff;
    border: 1px solid rgba(21, 101, 192, 0.28);
    box-shadow:
        0 10px 22px -14px rgba(21, 101, 192, 0.55),
        inset 0 1px 0 rgba(255,255,255,0.18);
    font-family: var(--font-secondary);
    font-size: 14px;
    font-weight: 800;
    letter-spacing: 0;
    transition: transform 0.16s ease, box-shadow 0.16s ease, border-color 0.16s ease, filter 0.16s ease;
}
.exit-offer__amount-btn:hover,
.exit-offer__amount-btn:focus-visible {
    transform: translateY(-1px);
    background: linear-gradient(135deg, #1E88E5 0%, #1565C0 100%);
    color: #fff;
    border-color: rgba(21, 101, 192, 0.38);
    box-shadow:
        0 14px 28px -14px rgba(21, 101, 192, 0.62),
        inset 0 1px 0 rgba(255,255,255,0.22);
    filter: brightness(1.03);
}
.exit-offer__cta {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    width: 100%;
    min-height: 56px;
    border-radius: 16px;
    color: #fff;
    background:
        linear-gradient(135deg, rgba(255,255,255,0.14), rgba(255,255,255,0) 38%),
        linear-gradient(135deg, var(--color-accent-l), var(--color-accent-d));
    font-family: var(--font-secondary);
    font-size: 16px;
    font-weight: 900;
    letter-spacing: -0.01em;
    box-shadow:
        0 18px 42px rgba(46, 125, 50, 0.38),
        0 6px 16px rgba(15, 23, 42, 0.12),
        inset 0 1px 0 rgba(255,255,255,0.25);
    transition: transform 0.18s ease, box-shadow 0.18s ease, filter 0.18s ease;
}
.exit-offer__cta:hover {
    color: #fff;
    transform: translateY(-3px);
    filter: brightness(1.04);
    box-shadow:
        0 22px 50px rgba(46, 125, 50, 0.46),
        0 8px 20px rgba(15, 23, 42, 0.14),
        inset 0 1px 0 rgba(255,255,255,0.28);
}
.exit-offer__cta svg {
    transition: transform 0.18s ease;
}
.exit-offer__cta:hover svg {
    transform: translateX(3px);
}
.exit-offer__micro,
.exit-offer__secondary {
    margin-top: 10px;
    color: var(--gray-500);
    font-size: 12px;
    font-weight: 700;
    padding: 8px 12px;
    border-radius: 10px;
}
.exit-offer__secondary:hover {
    color: var(--gray-700);
    background: var(--gray-100);
}
@keyframes exitBackdropIn {
    from { opacity: 0; }
    to { opacity: 1; }
}
@keyframes exitCardIn {
    from { opacity: 0; transform: translate3d(0, 18px, 0) scale(0.96); }
    to { opacity: 1; transform: translate3d(0, 0, 0) scale(1); }
}
@keyframes exitPulse {
    0% { box-shadow: 0 0 0 0 rgba(76, 175, 80, 0.45); }
    70% { box-shadow: 0 0 0 8px rgba(76, 175, 80, 0); }
    100% { box-shadow: 0 0 0 0 rgba(76, 175, 80, 0); }
}
@keyframes exitMeter {
    0%, 100% { width: 72%; }
    50% { width: 84%; }
}
@media (max-height: 900px) and (min-width: 700px) {
    .exit-offer {
        padding: 16px;
    }
    .exit-offer__card {
        width: min(450px, 100%);
        max-height: min(86vh, 700px);
        padding: 24px 24px 20px;
        border-radius: 22px;
    }
    .exit-offer__top {
        margin-bottom: 12px;
        padding: 7px 12px;
        font-size: 11px;
    }
    .exit-offer__title {
        font-size: clamp(28px, 3.1vw, 38px);
        margin-bottom: 10px;
        max-width: 390px;
    }
    .exit-offer__copy {
        max-width: 320px;
        margin-bottom: 12px;
        font-size: 14px;
        line-height: 1.5;
    }
    .exit-offer__meter {
        max-width: 300px;
        margin-bottom: 9px;
    }
    .exit-offer__timer {
        margin-bottom: 14px;
        padding: 9px 13px;
        font-size: 13px;
    }
    .exit-offer__timer strong {
        font-size: 15px;
    }
    .exit-offer__amount-label {
        margin-bottom: 7px;
        font-size: 12px;
    }
    .exit-offer__amounts {
        margin-bottom: 12px;
    }
    .exit-offer__amount-btn {
        min-height: 40px;
        font-size: 13.5px;
    }
    .exit-offer__cta {
        min-height: 52px;
        font-size: 15px;
    }
    .exit-offer__secondary {
        margin-top: 8px;
        font-size: 11.5px;
    }
}
@media (max-width: 560px) {
    .exit-offer {
        align-items: end;
        padding: 12px;
    }
    .exit-offer__card {
        width: 100%;
        padding: 26px 18px 18px;
        border-radius: 22px;
    }
    .exit-offer__close {
        top: 12px;
        right: 12px;
    }
    .exit-offer__title {
        font-size: clamp(30px, 9vw, 40px);
    }
    .exit-offer__copy {
        font-size: 14px;
        margin-bottom: 12px;
    }
    .exit-offer__timer {
        width: 100%;
        font-size: 13px;
    }
    .exit-offer__amounts {
        gap: 8px;
        margin-bottom: 12px;
    }
    .exit-offer__amount-label {
        margin-bottom: 8px;
        font-size: 12px;
    }
    .exit-offer__amount-btn {
        min-height: 44px;
        font-size: 14px;
        padding: 0 8px;
    }
    .exit-offer__cta {
        min-height: 56px;
        font-size: 16px;
    }
    .exit-offer__secondary {
        margin-top: 8px;
    }
}
.modal-body {
    flex: 1 1 auto;
    min-height: 0;
    overflow-y: auto;
    overflow-x: hidden;
    padding: 16px;
    background: #EDF1F7;
    -webkit-overflow-scrolling: touch;
    scroll-behavior: smooth;
    overscroll-behavior: contain;
    touch-action: pan-y;
}
.modal-body::-webkit-scrollbar { width: 4px; }
.modal-body::-webkit-scrollbar-track { background: transparent; }
.modal-body::-webkit-scrollbar-thumb { background: var(--gray-300); border-radius: 99px; }

/* Fallback spacing for older disclosure markup without section wrappers */
.modal-body > h3 {
    font-family: var(--font-primary);
    font-size: 28px;
    line-height: 1.25;
    color: var(--color-darkest);
    margin: 0 0 10px;
}
.modal-body > h3:not(:first-child) {
    margin-top: 22px;
}
.modal-body > p {
    font-family: var(--font-secondary);
    font-size: 15px;
    color: var(--gray-600);
    line-height: 1.55;
    margin: 0 0 14px;
}
.modal-body > p:last-child {
    margin-bottom: 0;
}

.disc-section {
    background: #FFFFFF;
    border-radius: 12px;
    padding: 16px 18px;
    margin-bottom: 8px;
    border: 1px solid rgba(226, 232, 240, 0.9);
    box-shadow: 0 1px 3px rgba(15, 23, 42, 0.04), 0 1px 2px rgba(15, 23, 42, 0.02);
}
.disc-section:last-child {
    margin-bottom: 0;
}
.disc-heading {
    display: flex;
    align-items: center;
    gap: 8px;
    font-family: var(--font-primary);
    font-size: 11px;
    font-weight: 700;
    color: var(--color-primary);
    text-transform: uppercase;
    letter-spacing: 0.09em;
    margin: 0 0 11px;
}
.disc-heading::before {
    content: '';
    display: block;
    width: 3px;
    height: 13px;
    background: linear-gradient(180deg, var(--color-accent) 0%, var(--color-primary) 100%);
    border-radius: 99px;
    flex-shrink: 0;
}
.disc-subheading {
    display: flex;
    align-items: center;
    gap: 7px;
    font-family: var(--font-primary);
    font-size: 11.5px;
    font-weight: 700;
    color: var(--color-darkest);
    margin: 14px 0 5px;
    letter-spacing: -0.005em;
}
.disc-subheading::before {
    content: '';
    display: inline-block;
    width: 5px;
    height: 5px;
    border-radius: 50%;
    background: var(--color-accent);
    flex-shrink: 0;
}
.disc-subheading:first-of-type { margin-top: 2px; }
.disc-section p {
    font-family: var(--font-secondary);
    font-size: 13px;
    color: var(--gray-600);
    line-height: 1.65;
    margin: 0 0 7px;
}
.disc-section p:last-child { margin-bottom: 0; }
.disc-note {
    background: var(--gray-50);
    border: 1px solid var(--gray-200);
    border-radius: 8px;
    padding: 10px 13px !important;
    font-size: 12px !important;
    color: var(--gray-500) !important;
    margin-top: 8px !important;
    line-height: 1.6 !important;
}

@media (max-width: 480px) {
    .modal-card { border-radius: 16px; max-height: 92vh; }
    .modal-header { padding: 16px 18px 14px; }
    .modal-hd-icon { width: 36px; height: 36px; border-radius: 10px; }
    .modal-title { font-size: 15px; }
    .modal-body { padding: 12px; }
    .disc-section { padding: 14px 15px; }

    .disclosure-dialog {
        padding: 0;
        align-items: end;
    }
    .disclosure-dialog__panel {
        width: 100%;
        max-height: min(92dvh, 920px);
        border-radius: 18px 18px 0 0;
    }
    .disclosure-dialog__header {
        padding: 13px 14px;
    }
    .disclosure-dialog__title {
        font-size: 17px;
    }
    .disclosure-dialog__body {
        padding: 14px 14px 22px;
    }
    .disclosure-dialog__body .disc-heading,
    .disclosure-dialog__body > h3 {
        font-size: 15px;
    }
    .disclosure-dialog__body .disc-subheading {
        font-size: 13px;
    }
    .disclosure-dialog__body .disc-section p,
    .disclosure-dialog__body > p {
        font-size: 13px;
        line-height: 1.5;
    }
}

html.disclosure-open,
body.disclosure-open {
    overflow: hidden;
    overscroll-behavior: none;
}

/* ===================== REDUCED MOTION ===================== */
@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;
    }
    .hero-glow { animation: none !important; }
    .animate, .hero-anim { opacity: 1 !important; transform: none !important; }
    .amount-hero::before { animation: none !important; }
    .amount-hero { border: 1.5px solid var(--gray-200); }
    .amount-hero::before, .amount-hero::after { display: none; }
    .scroll-top-btn,
    .scroll-top-btn.is-visible {
        transform: none !important;
    }
    .float-apply-badge,
    .float-apply-badge.is-visible {
        /* Keep translateX(-50%) centering on mobile; only kill the Y slide animation */
        transition: none !important;
    }
    .step-card { transform: none !important; opacity: 1 !important; filter: none !important; }
    .mob-menu__panel { transition: none !important; }
    .mob-menu__panel > * { transition: none !important; opacity: 1 !important; transform: none !important; }
    .mob-menu__backdrop { transition: none !important; }
    .mob-menu__close { transition: none !important; }
}

/* ============================================================
   FORM → IFRAME TRANSITION ANIMATION
   ============================================================ */

/* ============================================================
   IFRAME APP LOADER — full area until iframe load
   ============================================================ */
@keyframes loaderSpin {
    to { transform: rotate(360deg); }
}
.iframe-shell {
    position: relative;
    width: 100%;
}
.iframe-app-loader {
    position: absolute;
    inset: 0;
    z-index: 2;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 32px 20px;
    background: linear-gradient(165deg, #f0f4fa 0%, #e8eef6 45%, #f8fafc 100%);
    border-radius: 16px;
    box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.9);
    opacity: 1;
    visibility: visible;
    transition: opacity 0.4s ease, visibility 0.4s ease;
}
.iframe-app-loader.is-done {
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
}
.iframe-app-loader__card {
    text-align: center;
    max-width: 120px;
}
.iframe-app-loader__ring {
    width: 52px;
    height: 52px;
    margin: 0 auto;
    border-radius: 50%;
    border: 3.5px solid rgba(21, 101, 192, 0.12);
    border-top-color: #1565C0;
    animation: loaderSpin 0.72s linear infinite;
}
.iframe-app-loader__title {
    display: none;
}
.iframe-app-loader__sub {
    display: none;
}
#application-form {
    position: relative;
    z-index: 0;
    border-radius: 16px;
    overflow: hidden;
}

/* ============================================================
   FORM → IFRAME TRANSITION
   Only opacity transitions — composited, works on any device.
   ============================================================ */

/* Form card fades out */
.hero-form-wrap {
    position: relative;
    align-self: center;
    width: 100%;
    max-width: 540px;
    padding-top: 0;
    transition: opacity 0.3s ease;
}
.hero-form-wrap.is-exiting {
    opacity: 0;
    pointer-events: none;
}

/* ============================================================
   IFRAME APPLICATION SECTION
   ============================================================ */
.iframe-section {
    min-height: 100vh;
    padding-top: 0;
    padding-bottom: 40px;
    background: var(--bg, #F8FAFC);
    opacity: 0;
    transition: opacity 0.35s ease;
}
.iframe-section.is-visible {
    opacity: 1;
}

.iframe-top-space {
    display: block;
    width: 100%;
    flex: 0 0 auto;
}

/* ----- Iframe app mode: centered logo + Loan Types in menu (hamburger, right) ----- */
body.is-iframe-app .header-cta-desktop,
body.is-iframe-app .header-phone,
body.is-iframe-app .site-header .header-cta-desktop,
body.is-iframe-app .site-header .header-phone {
    display: none !important;
}

/* Loan Types live in the drawer only (not the desktop dropdown) */
body.is-iframe-app .header-dropdown-desktop,
body.is-iframe-app .site-header .header-dropdown-desktop {
    display: none !important;
}

/* Mirror mobile chrome: spacer (left) + centered logo + menu (right) */
body.is-iframe-app .mob-header-spacer {
    display: block !important;
    width: 40px;
    flex-shrink: 0;
}

body.is-iframe-app .mob-menu-btn {
    display: flex !important;
}

body.is-iframe-app .header-inner {
    position: relative;
    justify-content: space-between;
    align-items: center;
}

body.is-iframe-app .logo-link {
    position: absolute;
    left: 50%;
    transform: translateX(-50%);
    z-index: 1;
}

body.is-iframe-app .header-actions {
    position: relative;
    z-index: 2;
    margin-left: 0;
    flex: 0 0 auto;
    display: flex;
    align-items: center;
    justify-content: flex-end;
}

/* Drawer: only Loan Types (page anchors + CTA hidden while iframe is open) */
body.is-iframe-app .mob-menu__nav,
body.is-iframe-app .mob-menu__nav + .mob-menu__divider,
body.is-iframe-app .mob-menu__cta-wrap {
    display: none;
}

body.is-iframe-app .mob-menu__section-label {
    margin-top: 4px;
}

@media (max-width: 768px) {
    body.is-iframe-app .logo-img {
        height: 44px;
    }

    body.is-iframe-app .iframe-app-loader {
        display: none !important;
    }

    .iframe-section {
        padding-top: 0;
        padding-bottom: 24px;
    }
}

@media (prefers-reduced-motion: reduce) {
    .hero-form-wrap,
    .hero-form-wrap.is-exiting,
    .iframe-section,
    .iframe-section.is-visible { transition: none !important; opacity: 1 !important; }
    .iframe-app-loader { transition: none !important; }
    .iframe-app-loader__ring { animation: none !important; }
    .iframe-app-loader.is-done {
        opacity: 0 !important;
        visibility: hidden !important;
    }
}