/* ==========================================================================
   Fundslender - Design System
   Mobile-first. Custom properties throughout. No framework.
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. Google Fonts Import
   -------------------------------------------------------------------------- */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700&display=swap');

/* --------------------------------------------------------------------------
   2. Custom Properties (Design Tokens)
   -------------------------------------------------------------------------- */
:root {
  /* Colours */
  --color-primary:       #0D1F3C;
  --color-primary-mid:   #1A3560;
  --color-primary-light: #243E6E;
  --color-accent:        #C9A84C;
  --color-accent-light:  #F5E9C8;
  --color-accent-hover:  #B8922E;
  --color-surface:       #F7F8FB;
  --color-card:          #FFFFFF;
  --color-text:          #1C1C2E;
  --color-text-muted:    #6B7280;
  --color-border:        #E2E6EF;
  --color-risk:          #7C2D12;
  --color-risk-bg:       #FEF2EC;
  --color-risk-border:   #F97316;
  --color-success:       #166534;
  --color-success-bg:    #F0FDF4;
  --color-white:         #FFFFFF;
  --color-overlay:       rgba(13, 31, 60, 0.72);

  /* Typography */
  --font-family:         'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-size-xs:        0.75rem;
  --font-size-sm:        0.875rem;
  --font-size-base:      1rem;
  --font-size-lg:        1.125rem;
  --font-size-xl:        1.375rem;
  --font-size-2xl:       1.75rem;
  --font-size-3xl:       2.25rem;
  --font-size-hero:      clamp(2rem, 5vw, 3.25rem);
  --line-height-body:    1.75;
  --line-height-heading: 1.15;
  --letter-spacing-heading: -0.02em;
  --letter-spacing-caps: 0.08em;

  /* Spacing (8px base unit) */
  --space-1:   4px;
  --space-2:   8px;
  --space-3:   12px;
  --space-4:   16px;
  --space-5:   20px;
  --space-6:   24px;
  --space-8:   32px;
  --space-10:  40px;
  --space-12:  48px;
  --space-16:  64px;
  --space-20:  80px;
  --space-24:  96px;

  /* Layout */
  --max-width:       1160px;
  --page-padding:    clamp(16px, 4vw, 48px);

  /* Borders */
  --radius-sm:   6px;
  --radius-md:   12px;
  --radius-lg:   20px;
  --radius-pill: 999px;
  --border-base: 1px solid var(--color-border);

  /* Shadows */
  --shadow-card:       0 2px 12px rgba(13, 31, 60, 0.08);
  --shadow-card-hover: 0 8px 32px rgba(13, 31, 60, 0.16);
  --shadow-nav:        0 2px 12px rgba(13, 31, 60, 0.12);
  --shadow-btn:        0 4px 16px rgba(201, 168, 76, 0.28);

  /* Transitions */
  --transition-fast:   150ms ease;
  --transition-base:   240ms ease;
  --transition-slow:   360ms ease;
}

/* --------------------------------------------------------------------------
   3. Reset & Base
   -------------------------------------------------------------------------- */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

[hidden] { display: none !important; }

html {
  font-size: 16px;
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-family);
  font-size: var(--font-size-base);
  line-height: var(--line-height-body);
  color: var(--color-text);
  background-color: var(--color-surface);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img, video, svg {
  max-width: 100%;
  display: block;
}

a {
  color: var(--color-primary);
  text-decoration: underline;
  text-decoration-color: transparent;
  transition: color var(--transition-fast), text-decoration-color var(--transition-fast);
}

a:hover {
  color: var(--color-accent);
  text-decoration-color: var(--color-accent);
}

ul, ol {
  padding-left: var(--space-6);
}

ul li, ol li {
  margin-bottom: var(--space-2);
}

h1, h2, h3, h4, h5, h6 {
  font-weight: 700;
  line-height: var(--line-height-heading);
  letter-spacing: var(--letter-spacing-heading);
  color: var(--color-primary);
}

h1 { font-size: var(--font-size-3xl); }
h2 { font-size: var(--font-size-2xl); }
h3 { font-size: var(--font-size-xl); }
h4 { font-size: var(--font-size-lg); font-weight: 600; }

p { margin-bottom: var(--space-4); }
p:last-child { margin-bottom: 0; }

strong { font-weight: 600; }

/* --------------------------------------------------------------------------
   4. Layout Utilities
   -------------------------------------------------------------------------- */
.container {
  max-width: var(--max-width);
  margin-inline: auto;
  padding-inline: var(--page-padding);
}

.section {
  padding-block: var(--space-16);
}

.section--sm {
  padding-block: var(--space-10);
}

.section--lg {
  padding-block: var(--space-24);
}

.section--light {
  background-color: var(--color-card);
}

.section--surface {
  background-color: var(--color-surface);
}

.section--dark {
  background-color: var(--color-primary);
  color: var(--color-white);
}

.section--dark h1,
.section--dark h2,
.section--dark h3,
.section--dark h4 {
  color: var(--color-white);
}

.section--dark p {
  color: rgba(255,255,255,0.82);
}

.grid-2 {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-6);
}

.grid-3 {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-6);
}

.grid-4 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-4);
}

@media (min-width: 768px) {
  .grid-2 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: repeat(3, 1fr); }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
}

@media (min-width: 1024px) {
  .grid-4 { grid-template-columns: repeat(4, 1fr); }
}

.flex { display: flex; }
.flex--center { align-items: center; justify-content: center; }
.flex--between { align-items: center; justify-content: space-between; }
.gap-4 { gap: var(--space-4); }
.gap-6 { gap: var(--space-6); }

.text-center { text-align: center; }
.text-muted { color: var(--color-text-muted); }

.mt-4  { margin-top: var(--space-4); }
.mt-6  { margin-top: var(--space-6); }
.mt-8  { margin-top: var(--space-8); }
.mt-10 { margin-top: var(--space-10); }
.mb-4  { margin-bottom: var(--space-4); }
.mb-6  { margin-bottom: var(--space-6); }
.mb-8  { margin-bottom: var(--space-8); }

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
}

/* --------------------------------------------------------------------------
   5. Buttons
   -------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-family: var(--font-family);
  font-size: var(--font-size-base);
  font-weight: 600;
  border-radius: var(--radius-pill);
  padding: 14px 32px;
  border: 2px solid transparent;
  cursor: pointer;
  text-decoration: none;
  transition: background-color var(--transition-base), color var(--transition-base),
              border-color var(--transition-base), box-shadow var(--transition-base),
              transform var(--transition-fast);
  white-space: nowrap;
  line-height: 1;
}

.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }

.btn--primary {
  background-color: var(--color-accent);
  color: var(--color-primary);
  border-color: var(--color-accent);
  box-shadow: var(--shadow-btn);
}

.btn--primary:hover {
  background-color: var(--color-accent-hover);
  border-color: var(--color-accent-hover);
  color: var(--color-primary);
  box-shadow: 0 6px 24px rgba(201, 168, 76, 0.38);
}

.btn--secondary {
  background-color: var(--color-primary);
  color: var(--color-white);
  border-color: var(--color-primary);
}

.btn--secondary:hover {
  background-color: var(--color-primary-mid);
  border-color: var(--color-primary-mid);
  color: var(--color-white);
}

.btn--ghost {
  background-color: transparent;
  color: var(--color-white);
  border-color: rgba(255,255,255,0.55);
}

.btn--ghost:hover {
  background-color: rgba(255,255,255,0.1);
  border-color: var(--color-white);
  color: var(--color-white);
}

.btn--ghost-dark {
  background-color: transparent;
  color: var(--color-primary);
  border-color: var(--color-border);
}

.btn--ghost-dark:hover {
  background-color: rgba(13, 31, 60, 0.05);
  color: var(--color-primary);
}

.footer-legal__button {
  font: inherit;
  font-size: var(--font-size-xs);
  color: rgba(255,255,255,0.45);
  background: none;
  border: 0;
  padding: 0;
  text-decoration: none;
  cursor: pointer;
  transition: color var(--transition-fast);
}

.footer-legal__button:hover {
  color: var(--color-accent);
}

/* --------------------------------------------------------------------------
   Mortgage Calculator
   -------------------------------------------------------------------------- */
.calculator-shell {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-6);
  margin-top: var(--space-6);
}

.calculator-panel {
  background: var(--color-card);
  border: var(--border-base);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-card);
  padding: var(--space-6);
}

.calculator-heading h2 {
  margin-bottom: var(--space-2);
}

.calculator-heading p {
  color: var(--color-text-muted);
  margin-bottom: 0;
}

.calculator-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-4);
  margin-top: var(--space-6);
}

.calculator-grid__wide {
  grid-column: 1 / -1;
}

.calculator-actions {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-3);
  margin-top: var(--space-6);
}

.calculator-footnote {
  font-size: var(--font-size-sm);
  color: var(--color-text-muted);
  margin-top: var(--space-4);
}

.calculator-error {
  margin-top: var(--space-4);
  padding: var(--space-3) var(--space-4);
  border-radius: var(--radius-sm);
  background: #fef2f2;
  color: #b91c1c;
  font-size: var(--font-size-sm);
  font-weight: 500;
}

.calculator-results-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-4);
  margin-top: var(--space-6);
}

.calculator-stat {
  padding: var(--space-4);
  border-radius: var(--radius-md);
  background: var(--color-surface);
  border: 1px solid var(--color-border);
}

.calculator-stat__label,
.calculator-summary__label {
  font-size: var(--font-size-xs);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: var(--letter-spacing-caps);
  color: var(--color-text-muted);
  margin-bottom: var(--space-2);
}

.calculator-stat__value,
.calculator-summary__value {
  font-size: clamp(1.5rem, 3vw, 2rem);
  line-height: 1.1;
  color: var(--color-primary);
  margin: 0;
}

.calculator-summary {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-4);
  margin-top: var(--space-6);
  padding-top: var(--space-6);
  border-top: 1px solid var(--color-border);
}

.calculator-notes {
  margin-top: var(--space-6);
  padding: var(--space-5);
  border-radius: var(--radius-md);
  background: var(--color-surface);
}

.calculator-notes h3 {
  margin-bottom: var(--space-3);
}

.calculator-notes ul {
  margin: 0;
}

.calculator-cta {
  margin-top: var(--space-6);
}

@media (min-width: 900px) {
  .calculator-shell {
    grid-template-columns: minmax(0, 1.05fr) minmax(0, 0.95fr);
    align-items: start;
  }

  .calculator-grid {
    grid-template-columns: 1fr 1fr;
  }

  .calculator-summary {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 640px) {
  .calculator-panel {
    padding: var(--space-5);
  }

  .calculator-results-grid {
    grid-template-columns: 1fr;
  }

  .calculator-actions {
    flex-direction: column;
  }

  .calculator-actions .btn {
    width: 100%;
    justify-content: center;
  }
}

.cookie-modal-open {
  overflow: hidden;
}

.cookie-consent {
  position: fixed;
  inset: auto var(--space-4) var(--space-4) var(--space-4);
  z-index: 1000;
  pointer-events: none;
}

.cookie-consent__bar {
  pointer-events: auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: var(--space-2) var(--space-6);
  max-width: 900px;
  margin-inline: auto;
  background: var(--color-primary);
  border-radius: var(--radius-md);
  padding: 10px var(--space-5);
  box-shadow: 0 4px 20px rgba(13, 31, 60, 0.28);
}

.cookie-consent__bar-text {
  font-size: var(--font-size-sm);
  color: rgba(255,255,255,0.82);
  margin: 0;
}

.cookie-consent__bar-actions {
  display: flex;
  align-items: center;
  gap: var(--space-4);
  flex-shrink: 0;
}

.cookie-consent__link {
  font: inherit;
  font-size: var(--font-size-sm);
  background: none;
  border: 0;
  padding: 0;
  color: rgba(255,255,255,0.6);
  text-decoration: underline;
  cursor: pointer;
  transition: color var(--transition-fast);
}

.cookie-consent__link:hover { color: var(--color-white); }

.cookie-consent__bar-accept {
  font: inherit;
  font-size: var(--font-size-sm);
  font-weight: 600;
  background: var(--color-accent);
  color: var(--color-primary);
  border: 0;
  border-radius: var(--radius-pill);
  padding: 6px 18px;
  cursor: pointer;
  transition: background-color var(--transition-fast);
  white-space: nowrap;
}

.cookie-consent__bar-accept:hover { background: var(--color-accent-hover); }

.cookie-consent__modal {
  position: fixed;
  inset: 0;
  display: grid;
  place-items: center;
  padding: var(--space-4);
}

.cookie-consent__backdrop {
  position: absolute;
  inset: 0;
  background: rgba(13, 31, 60, 0.55);
}

.cookie-consent__dialog {
  position: relative;
  pointer-events: auto;
  background: var(--color-card);
  border: var(--border-base);
  border-radius: var(--radius-lg);
  box-shadow: 0 20px 50px rgba(13, 31, 60, 0.22);
  width: min(100%, 480px);
  padding: var(--space-6);
}

.cookie-consent__close {
  position: absolute;
  top: var(--space-3);
  right: var(--space-3);
  width: 36px;
  height: 36px;
  border: 0;
  border-radius: 50%;
  background: var(--color-surface);
  color: var(--color-primary);
  font-size: 1.4rem;
  cursor: pointer;
  line-height: 1;
}

.cookie-consent__dialog-title {
  font-size: var(--font-size-lg);
  color: var(--color-primary);
  margin-bottom: var(--space-2);
  padding-right: var(--space-10);
}

.cookie-consent__dialog-copy {
  font-size: var(--font-size-sm);
  color: var(--color-text-muted);
  margin-bottom: var(--space-4);
}

.cookie-consent__form { display: grid; gap: var(--space-3); }

.cookie-consent__option {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  padding: var(--space-3) var(--space-4);
  border: var(--border-base);
  border-radius: var(--radius-sm);
  background: var(--color-surface);
}

.cookie-consent__option input {
  width: 20px;
  height: 20px;
  accent-color: var(--color-primary);
  flex-shrink: 0;
}

.cookie-consent__option--locked { opacity: 0.75; }

.cookie-consent__form-actions {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: var(--space-5);
  margin-top: var(--space-2);
}

.cookie-consent__form-actions .cookie-consent__link { color: var(--color-text-muted); }
.cookie-consent__form-actions .cookie-consent__link:hover { color: var(--color-primary); }

@media (max-width: 767px) {
  .cookie-consent { inset: auto var(--space-3) var(--space-3) var(--space-3); }
  .cookie-consent__bar { flex-direction: column; align-items: flex-start; }
  .cookie-consent__bar-actions { width: 100%; justify-content: flex-end; }
  .cookie-consent__dialog { padding: var(--space-5); }
}

.btn--ghost-dark:hover {
  border-color: var(--color-accent);
  color: var(--color-accent);
}

.btn--sm {
  font-size: var(--font-size-sm);
  padding: 10px 22px;
}

.btn--lg {
  font-size: var(--font-size-lg);
  padding: 18px 40px;
}

/* --------------------------------------------------------------------------
   6. Header & Navigation
   -------------------------------------------------------------------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 900;
  background-color: var(--color-primary);
  box-shadow: var(--shadow-nav);
}

.site-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
  gap: var(--space-6);
}

/* Logo */
.site-logo {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  text-decoration: none;
  flex-shrink: 0;
}

.site-logo__mark {
  width: 36px;
  height: 36px;
  background-color: var(--color-accent);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: var(--font-size-lg);
  color: var(--color-primary);
  letter-spacing: -0.04em;
}

.site-logo__name {
  font-size: var(--font-size-lg);
  font-weight: 700;
  color: var(--color-white);
  letter-spacing: -0.02em;
}

.site-logo__name span {
  color: var(--color-accent);
}

/* Primary Nav */
.primary-nav {
  display: none;
  flex: 1;
  justify-content: center;
}

@media (min-width: 1024px) {
  .primary-nav { display: flex; }
}

.primary-nav__list {
  display: flex;
  align-items: center;
  list-style: none;
  padding: 0;
  margin: 0;
  gap: var(--space-1);
}

.primary-nav__item {
  position: relative;
}

.primary-nav__link {
  display: flex;
  align-items: center;
  gap: 5px;
  padding: var(--space-3) var(--space-4);
  color: rgba(255,255,255,0.85);
  font-size: var(--font-size-sm);
  font-weight: 500;
  text-decoration: none;
  border-radius: var(--radius-sm);
  transition: color var(--transition-fast), background-color var(--transition-fast);
  white-space: nowrap;
}

.primary-nav__link:hover,
.primary-nav__link--active {
  color: var(--color-accent);
  background-color: rgba(255,255,255,0.06);
}

.primary-nav__link svg {
  width: 12px;
  height: 12px;
  display: inline-block;
  vertical-align: middle;
  flex-shrink: 0;
  opacity: 0.6;
  transition: transform var(--transition-fast), opacity var(--transition-fast);
}

.primary-nav__item:hover .primary-nav__link svg {
  transform: rotate(180deg);
  opacity: 1;
}

/* Dropdown */
.primary-nav__dropdown {
  display: none;
  position: absolute;
  top: calc(100% + 6px);
  left: 50%;
  transform: translateX(-50%);
  min-width: 240px;
  background-color: var(--color-card);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-card-hover);
  border: var(--border-base);
  padding: var(--space-3);
  list-style: none;
}

/* Invisible bridge fills the 6px gap so hover is not lost when moving mouse toward dropdown */
.primary-nav__item::after {
  content: '';
  position: absolute;
  top: 100%;
  left: 0;
  right: 0;
  height: 6px;
  display: none;
}

.primary-nav__item:hover::after {
  display: block;
}

.primary-nav__item:hover .primary-nav__dropdown {
  display: block;
}

.primary-nav__dropdown li a {
  display: block;
  padding: var(--space-3) var(--space-4);
  color: var(--color-text);
  font-size: var(--font-size-sm);
  font-weight: 500;
  text-decoration: none;
  border-radius: var(--radius-sm);
  transition: background-color var(--transition-fast), color var(--transition-fast);
}

.primary-nav__dropdown li a:hover {
  background-color: var(--color-accent-light);
  color: var(--color-primary);
}

/* Header CTA */
.header-cta {
  flex-shrink: 0;
  display: none;
}

@media (min-width: 768px) {
  .header-cta { display: block; }
}

/* Hamburger */
.nav-toggle {
  display: flex;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: var(--space-2);
  border-radius: var(--radius-sm);
}

@media (min-width: 1024px) {
  .nav-toggle { display: none; }
}

.nav-toggle__bar {
  display: block;
  width: 24px;
  height: 2px;
  background-color: var(--color-white);
  border-radius: 2px;
  transition: transform var(--transition-base), opacity var(--transition-base);
}

.nav-toggle[aria-expanded="true"] .nav-toggle__bar:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.nav-toggle[aria-expanded="true"] .nav-toggle__bar:nth-child(2) {
  opacity: 0;
}

.nav-toggle[aria-expanded="true"] .nav-toggle__bar:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

/* Mobile Nav */
.mobile-nav {
  display: none;
  position: fixed;
  top: 68px;
  left: 0;
  right: 0;
  z-index: 899;
  background-color: var(--color-primary-mid);
  border-top: 1px solid rgba(255,255,255,0.08);
  max-height: calc(100dvh - 68px);
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
}

.mobile-nav.is-open {
  display: block;
}

/* Prevent page scroll behind open mobile nav */
body.nav-open {
  overflow: hidden;
}

.mobile-nav__list {
  list-style: none;
  padding: var(--space-4) var(--page-padding);
  margin: 0;
}

.mobile-nav__link {
  display: block;
  padding: var(--space-3) 0;
  color: rgba(255,255,255,0.9);
  font-weight: 500;
  font-size: var(--font-size-base);
  text-decoration: none;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.mobile-nav__link:hover { color: var(--color-accent); }

.mobile-nav__children {
  list-style: none;
  padding: var(--space-2) 0 var(--space-2) var(--space-4);
  margin: 0;
}

.mobile-nav__children a {
  display: block;
  padding: var(--space-2) 0;
  color: rgba(255,255,255,0.65);
  font-size: var(--font-size-sm);
  text-decoration: none;
}

.mobile-nav__children a:hover { color: var(--color-accent); }

/* --------------------------------------------------------------------------
   7. Trust Bar
   -------------------------------------------------------------------------- */
.trust-bar {
  background-color: var(--color-card);
  border-bottom: var(--border-base);
  border-top: 3px solid var(--color-accent);
  padding: var(--space-3) 0;
}

.trust-bar__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-3) var(--space-4);
  align-items: center;
}

@media (min-width: 768px) {
  .trust-bar__inner {
    grid-template-columns: repeat(4, 1fr);
  }
}

.trust-bar__item {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--font-size-xs);
  font-weight: 600;
  letter-spacing: var(--letter-spacing-caps);
  text-transform: uppercase;
  color: var(--color-text-muted);
}

.trust-bar__icon {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  color: var(--color-accent);
}

/* --------------------------------------------------------------------------
   8. Hero
   -------------------------------------------------------------------------- */
.hero {
  position: relative;
  background-color: var(--color-primary);
  overflow: hidden;
  padding: var(--space-20) 0 var(--space-16);
}

.hero__bg {
  position: absolute;
  inset: 0;
  /* IMAGE: Hero background - see design brief -->
     Replace src in hero.php with actual image path.
     Overlay opacity controlled by .hero__overlay */
  background-size: cover;
  background-position: center;
}

.hero__overlay {
  position: absolute;
  inset: 0;
  background-color: var(--color-primary);
  opacity: 0.88;
}

/* Decorative geometric accent */
.hero__geometry {
  position: absolute;
  top: -80px;
  right: -80px;
  width: 420px;
  height: 420px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(201,168,76,0.12) 0%, transparent 70%);
  pointer-events: none;
}

.hero__geometry--2 {
  top: auto;
  right: auto;
  bottom: -120px;
  left: -60px;
  width: 300px;
  height: 300px;
  background: radial-gradient(circle, rgba(201,168,76,0.07) 0%, transparent 70%);
}

.hero__content {
  position: relative;
  z-index: 2;
  max-width: 740px;
}

.hero__eyebrow {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  margin-bottom: var(--space-5);
}

.hero__rule {
  width: 60px;
  height: 3px;
  background-color: var(--color-accent);
  border-radius: 2px;
}

.hero__eyebrow-text {
  font-size: var(--font-size-xs);
  font-weight: 600;
  letter-spacing: var(--letter-spacing-caps);
  text-transform: uppercase;
  color: var(--color-accent);
}

.hero__title {
  font-size: var(--font-size-hero);
  color: var(--color-white);
  margin-bottom: var(--space-5);
  letter-spacing: var(--letter-spacing-heading);
  line-height: 1.1;
}

.hero__title em {
  font-style: normal;
  color: var(--color-accent);
}

.hero__subtitle {
  font-size: var(--font-size-lg);
  color: rgba(255,255,255,0.75);
  margin-bottom: var(--space-8);
  line-height: 1.65;
  max-width: 580px;
}

.hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-4);
  align-items: center;
}

/* --------------------------------------------------------------------------
   9. Breadcrumb
   -------------------------------------------------------------------------- */
.breadcrumb {
  padding: var(--space-4) 0;
  border-bottom: var(--border-base);
  background-color: var(--color-card);
}

.breadcrumb__list {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: var(--space-2);
  list-style: none;
  padding: 0;
  margin: 0;
  font-size: var(--font-size-sm);
  color: var(--color-text-muted);
}

.breadcrumb__item + .breadcrumb__item::before {
  content: '/';
  opacity: 0.4;
  margin-right: var(--space-2);
}

.breadcrumb__link {
  color: var(--color-text-muted);
  text-decoration: none;
  font-weight: 500;
}

.breadcrumb__link:hover { color: var(--color-accent); }

.breadcrumb__current {
  color: var(--color-primary);
  font-weight: 600;
}

/* --------------------------------------------------------------------------
   10. Icon Card Grid
   -------------------------------------------------------------------------- */
.card-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-5);
}

@media (min-width: 480px) {
  .card-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (min-width: 1024px) {
  .card-grid--3 { grid-template-columns: repeat(3, 1fr); }
  .card-grid--4 { grid-template-columns: repeat(4, 1fr); }
}

.icon-card {
  background-color: var(--color-card);
  border-radius: var(--radius-md);
  border: var(--border-base);
  padding: var(--space-6);
  box-shadow: var(--shadow-card);
  text-decoration: none;
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  position: relative;
  overflow: hidden;
  transition: box-shadow var(--transition-base), transform var(--transition-base),
              border-color var(--transition-base);
}

.icon-card::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0;
  bottom: 0;
  width: 4px;
  background-color: var(--color-accent);
  transform: scaleY(0);
  transform-origin: bottom;
  transition: transform var(--transition-base);
  border-radius: 0 2px 2px 0;
}

.icon-card:hover {
  box-shadow: var(--shadow-card-hover);
  transform: translateY(-3px);
  border-color: var(--color-accent-light);
}

.icon-card:hover::before {
  transform: scaleY(1);
}

.icon-card__icon {
  width: 48px;
  height: 48px;
  background-color: var(--color-accent-light);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-accent);
  flex-shrink: 0;
}

.icon-card__icon svg {
  width: 24px;
  height: 24px;
}

.icon-card__title {
  font-size: var(--font-size-base);
  font-weight: 600;
  color: var(--color-primary);
  margin: 0;
  line-height: 1.3;
}

.icon-card__text {
  font-size: var(--font-size-sm);
  color: var(--color-text-muted);
  line-height: 1.65;
  margin: 0;
}

.icon-card__arrow {
  margin-top: auto;
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: var(--font-size-sm);
  font-weight: 600;
  color: var(--color-accent);
  transition: gap var(--transition-fast);
}

.icon-card:hover .icon-card__arrow { gap: 10px; }

/* --------------------------------------------------------------------------
   11. Section Headings
   -------------------------------------------------------------------------- */
.section-header {
  margin-bottom: var(--space-10);
}

.section-header--center {
  text-align: center;
  max-width: 640px;
  margin-inline: auto;
  margin-bottom: var(--space-10);
}

.section-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--font-size-xs);
  font-weight: 600;
  letter-spacing: var(--letter-spacing-caps);
  text-transform: uppercase;
  color: var(--color-accent);
  margin-bottom: var(--space-3);
}

.section-eyebrow::before {
  content: '';
  display: block;
  width: 24px;
  height: 2px;
  background-color: var(--color-accent);
  border-radius: 2px;
}

.section-title {
  font-size: var(--font-size-2xl);
  color: var(--color-primary);
  margin-bottom: var(--space-4);
}

.section-subtitle {
  font-size: var(--font-size-lg);
  color: var(--color-text-muted);
  line-height: 1.65;
  margin: 0;
}

/* --------------------------------------------------------------------------
   12. Quick Answer Box
   -------------------------------------------------------------------------- */
.quick-answer {
  background-color: var(--color-card);
  border-left: 4px solid var(--color-accent);
  border-radius: var(--radius-md);
  padding: var(--space-5) var(--space-6);
  box-shadow: var(--shadow-card);
  margin-bottom: var(--space-8);
}

.quick-answer__label {
  font-size: var(--font-size-xs);
  font-weight: 600;
  letter-spacing: var(--letter-spacing-caps);
  text-transform: uppercase;
  color: var(--color-accent);
  margin-bottom: var(--space-2);
}

.quick-answer__text {
  font-size: var(--font-size-lg);
  color: var(--color-primary);
  font-weight: 500;
  line-height: 1.65;
  margin: 0;
}

/* --------------------------------------------------------------------------
   13. FAQ Accordion
   -------------------------------------------------------------------------- */
.faq-section {
  max-width: 760px;
}

.faq-item {
  border-bottom: var(--border-base);
  background-color: var(--color-card);
}

.faq-item:first-child {
  border-radius: var(--radius-md) var(--radius-md) 0 0;
  border: var(--border-base);
  border-bottom: none;
}

.faq-item:last-child {
  border-radius: 0 0 var(--radius-md) var(--radius-md);
  border-bottom: var(--border-base);
}

.faq-item:only-child {
  border-radius: var(--radius-md);
  border: var(--border-base);
}

.faq-question {
  width: 100%;
  background: none;
  border: none;
  text-align: left;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  padding: var(--space-5) var(--space-6);
  cursor: pointer;
  font-family: var(--font-family);
  font-size: var(--font-size-base);
  font-weight: 600;
  color: var(--color-primary);
  transition: background-color var(--transition-fast);
}

.faq-question:hover {
  background-color: var(--color-surface);
}

.faq-question[aria-expanded="true"] {
  border-bottom: var(--border-base);
}

.faq-toggle {
  width: 28px;
  height: 28px;
  flex-shrink: 0;
  border-radius: var(--radius-pill);
  background-color: var(--color-accent-light);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-accent);
  font-size: var(--font-size-lg);
  font-weight: 400;
  transition: background-color var(--transition-fast), transform var(--transition-base);
}

.faq-question[aria-expanded="true"] .faq-toggle {
  background-color: var(--color-accent);
  color: var(--color-primary);
  transform: rotate(45deg);
}

.faq-answer {
  overflow: hidden;
  max-height: 0;
  transition: max-height var(--transition-slow);
}

.faq-answer.is-open {
  max-height: 600px;
}

.faq-answer__inner {
  padding: var(--space-5) var(--space-6);
  color: var(--color-text);
  font-size: var(--font-size-base);
  line-height: var(--line-height-body);
}

.faq-answer__inner p:last-child { margin-bottom: 0; }

/* --------------------------------------------------------------------------
   14. Related Links Block
   -------------------------------------------------------------------------- */
.related-links {
  background-color: var(--color-card);
  border: var(--border-base);
  border-radius: var(--radius-md);
  padding: var(--space-6);
  box-shadow: var(--shadow-card);
}

.related-links__title {
  font-size: var(--font-size-sm);
  font-weight: 600;
  letter-spacing: var(--letter-spacing-caps);
  text-transform: uppercase;
  color: var(--color-text-muted);
  margin-bottom: var(--space-4);
}

.related-links__list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}

.related-links__list li a {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  color: var(--color-primary);
  font-weight: 500;
  font-size: var(--font-size-sm);
  text-decoration: none;
  padding: var(--space-3) var(--space-4);
  border-radius: var(--radius-sm);
  border: var(--border-base);
  background-color: var(--color-surface);
  transition: border-color var(--transition-fast), color var(--transition-fast),
              background-color var(--transition-fast);
}

.related-links__list li a:hover {
  border-color: var(--color-accent);
  background-color: var(--color-accent-light);
  color: var(--color-primary);
}

.related-links__list li a::before {
  content: '→';
  color: var(--color-accent);
  font-weight: 700;
  flex-shrink: 0;
}

/* --------------------------------------------------------------------------
   15. Disclosure Block
   -------------------------------------------------------------------------- */
.disclosure-block {
  background-color: var(--color-surface);
  border: var(--border-base);
  border-top: 3px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: var(--space-5) var(--space-6);
  margin-top: var(--space-10);
}

.disclosure-block__label {
  font-size: var(--font-size-xs);
  font-weight: 600;
  letter-spacing: var(--letter-spacing-caps);
  text-transform: uppercase;
  color: var(--color-text-muted);
  margin-bottom: var(--space-2);
}

.disclosure-block__text {
  font-size: var(--font-size-sm);
  color: var(--color-text-muted);
  line-height: 1.7;
  margin: 0;
}

.disclosure-block__text a {
  color: var(--color-primary);
  font-weight: 500;
}

/* --------------------------------------------------------------------------
   16. Risk Warning
   -------------------------------------------------------------------------- */
.risk-warning {
  background-color: var(--color-risk-bg);
  border: 1px solid var(--color-risk-border);
  border-radius: var(--radius-md);
  padding: var(--space-4) var(--space-5);
  display: flex;
  gap: var(--space-3);
  align-items: flex-start;
  margin-bottom: var(--space-6);
}

.risk-warning__icon {
  color: var(--color-risk);
  flex-shrink: 0;
  margin-top: 2px;
}

.risk-warning__icon svg {
  width: 20px;
  height: 20px;
}

.risk-warning__text {
  font-size: var(--font-size-sm);
  color: var(--color-risk);
  font-weight: 500;
  line-height: 1.6;
  margin: 0;
}

/* --------------------------------------------------------------------------
   17. Author / Review Block
   -------------------------------------------------------------------------- */
.author-block {
  display: flex;
  align-items: center;
  gap: var(--space-4);
  padding: var(--space-5) var(--space-6);
  background-color: var(--color-card);
  border: var(--border-base);
  border-radius: var(--radius-md);
  margin-bottom: var(--space-6);
}

.author-block__avatar {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-pill);
  background-color: var(--color-accent-light);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: var(--font-size-xl);
  color: var(--color-accent);
  flex-shrink: 0;
}

.author-block__info {
  flex: 1;
}

.author-block__name {
  font-size: var(--font-size-sm);
  font-weight: 600;
  color: var(--color-primary);
  margin-bottom: 2px;
}

.author-block__role {
  font-size: var(--font-size-xs);
  color: var(--color-text-muted);
}

.author-block__date {
  font-size: var(--font-size-xs);
  color: var(--color-text-muted);
  text-align: right;
  flex-shrink: 0;
}

/* --------------------------------------------------------------------------
   18. CTA Placeholder Block
   -------------------------------------------------------------------------- */
.cta-placeholder {
  background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-mid) 100%);
  border-radius: var(--radius-lg);
  padding: var(--space-12) var(--space-10);
  text-align: center;
  position: relative;
  overflow: hidden;
  margin-block: var(--space-10);
}

.cta-placeholder::before {
  content: '';
  position: absolute;
  right: -60px;
  top: -60px;
  width: 240px;
  height: 240px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(201,168,76,0.15) 0%, transparent 70%);
}

.cta-placeholder__eyebrow {
  font-size: var(--font-size-xs);
  font-weight: 600;
  letter-spacing: var(--letter-spacing-caps);
  text-transform: uppercase;
  color: var(--color-accent);
  margin-bottom: var(--space-3);
}

.cta-placeholder__title {
  font-size: var(--font-size-2xl);
  color: var(--color-white);
  margin-bottom: var(--space-4);
}

.cta-placeholder__subtitle {
  font-size: var(--font-size-base);
  color: rgba(255,255,255,0.72);
  margin-bottom: var(--space-8);
  max-width: 480px;
  margin-inline: auto;
  margin-bottom: var(--space-8);
}

.cta-placeholder__notice {
  font-size: var(--font-size-xs);
  color: rgba(255,255,255,0.5);
  margin-top: var(--space-4);
}

/* --------------------------------------------------------------------------
   19. Next Step Block
   -------------------------------------------------------------------------- */
.next-step {
  background-color: var(--color-card);
  border: var(--border-base);
  border-left: 4px solid var(--color-primary-mid);
  border-radius: var(--radius-md);
  padding: var(--space-5) var(--space-6);
  margin-top: var(--space-8);
}

.next-step__label {
  font-size: var(--font-size-xs);
  font-weight: 600;
  letter-spacing: var(--letter-spacing-caps);
  text-transform: uppercase;
  color: var(--color-text-muted);
  margin-bottom: var(--space-3);
}

.next-step__links {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}

.next-step__links a {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  color: var(--color-primary);
  font-weight: 600;
  font-size: var(--font-size-base);
  text-decoration: none;
}

.next-step__links a:hover { color: var(--color-accent); }

.next-step__links a::before {
  content: '→';
  color: var(--color-accent);
}

/* --------------------------------------------------------------------------
   20. How It Works Steps
   -------------------------------------------------------------------------- */
.steps {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-6);
}

@media (min-width: 768px) {
  .steps { grid-template-columns: repeat(3, 1fr); }
}

.step {
  text-align: center;
  position: relative;
}

.step__number {
  width: 56px;
  height: 56px;
  border-radius: var(--radius-pill);
  background: linear-gradient(135deg, var(--color-accent) 0%, var(--color-accent-hover) 100%);
  color: var(--color-primary);
  font-size: var(--font-size-xl);
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto var(--space-4);
  box-shadow: var(--shadow-btn);
}

.step__title {
  font-size: var(--font-size-lg);
  font-weight: 600;
  color: var(--color-primary);
  margin-bottom: var(--space-2);
}

.step__text {
  font-size: var(--font-size-sm);
  color: var(--color-text-muted);
  line-height: 1.7;
  margin: 0;
}

/* Connector line between steps (desktop) */
@media (min-width: 768px) {
  .step:not(:last-child)::after {
    content: '';
    position: absolute;
    top: 28px;
    left: calc(50% + 36px);
    right: calc(-50% + 36px);
    height: 2px;
    background: linear-gradient(90deg, var(--color-accent) 0%, var(--color-border) 100%);
  }
}

/* --------------------------------------------------------------------------
   21. Page Content Layout
   -------------------------------------------------------------------------- */
.page-content {
  padding-block: var(--space-12);
}

.page-content__inner {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-10);
}

@media (min-width: 1024px) {
  .page-content__inner {
    grid-template-columns: 1fr 300px;
    align-items: start;
  }
}

.page-main { min-width: 0; }

.page-sidebar {
  display: flex;
  flex-direction: column;
  gap: var(--space-6);
}

/* Page Hero (inner pages) */
.page-hero {
  background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-mid) 100%);
  padding: var(--space-12) 0 var(--space-10);
  position: relative;
  overflow: hidden;
}

.page-hero::after {
  content: '';
  position: absolute;
  right: -80px;
  top: -80px;
  width: 320px;
  height: 320px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(201,168,76,0.1) 0%, transparent 70%);
}

.page-hero__eyebrow {
  font-size: var(--font-size-xs);
  font-weight: 600;
  letter-spacing: var(--letter-spacing-caps);
  text-transform: uppercase;
  color: var(--color-accent);
  margin-bottom: var(--space-3);
}

.page-hero__title {
  font-size: clamp(1.75rem, 4vw, 2.75rem);
  color: var(--color-white);
  margin-bottom: var(--space-4);
  position: relative;
  z-index: 1;
}

.page-hero__subtitle {
  font-size: var(--font-size-lg);
  color: rgba(255,255,255,0.75);
  max-width: 620px;
  line-height: 1.65;
  margin: 0;
  position: relative;
  z-index: 1;
}

/* Paid landing pages */
body.paid-landing .site-header {
  position: sticky;
}

body.paid-landing .site-header__inner {
  gap: var(--space-4);
}

body.paid-landing .header-cta {
  display: block;
}

body.paid-landing .footer-main {
  display: none;
}

.paid-landing-hero {
  background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-mid) 65%, #10284b 100%);
  padding: var(--space-12) 0;
  position: relative;
  overflow: hidden;
}

.paid-landing-hero::before,
.paid-landing-hero::after {
  content: '';
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
}

.paid-landing-hero::before {
  width: 420px;
  height: 420px;
  top: -180px;
  right: -120px;
  background: radial-gradient(circle, rgba(201,168,76,0.18) 0%, transparent 68%);
}

.paid-landing-hero::after {
  width: 280px;
  height: 280px;
  bottom: -160px;
  left: -80px;
  background: radial-gradient(circle, rgba(255,255,255,0.08) 0%, transparent 70%);
}

.paid-landing-hero__inner {
  position: relative;
  z-index: 1;
  display: grid;
  gap: var(--space-8);
  align-items: start;
}

@media (min-width: 980px) {
  .paid-landing-hero__inner {
    grid-template-columns: minmax(0, 1.35fr) minmax(320px, 0.85fr);
    grid-template-rows: auto auto;
  }

  .paid-landing-hero__content {
    grid-column: 1;
    grid-row: 1;
  }

  .paid-landing-hero__aside {
    grid-column: 2;
    grid-row: 1 / 3;
  }

  .paid-landing-hero__below {
    grid-column: 1;
    grid-row: 2;
    padding-top: var(--space-2);
  }
}

.paid-landing-hero__title {
  font-size: clamp(2rem, 5vw, 3.35rem);
  color: var(--color-white);
  margin-bottom: var(--space-4);
  max-width: 12ch;
}

.paid-landing-hero__subtitle {
  color: rgba(255,255,255,0.82);
  font-size: var(--font-size-lg);
  max-width: 62ch;
  line-height: 1.7;
  margin-bottom: var(--space-6);
}

.paid-landing-hero__list {
  list-style: none;
  padding: 0;
  margin: 0 0 var(--space-6);
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.paid-landing-hero__list li {
  display: flex;
  gap: var(--space-3);
  align-items: flex-start;
  color: rgba(255,255,255,0.92);
  margin: 0;
}

.paid-landing-hero__list li::before {
  content: '✓';
  width: 22px;
  height: 22px;
  min-width: 22px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: rgba(201,168,76,0.18);
  color: var(--color-accent-light);
  font-size: var(--font-size-xs);
  font-weight: 700;
  margin-top: 2px;
}

.paid-landing-hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-4);
  margin-bottom: var(--space-4);
}

.paid-landing-hero__actions .btn {
  white-space: normal;
  justify-content: center;
}

.paid-landing-hero__microcopy {
  font-size: var(--font-size-sm);
  color: rgba(255,255,255,0.66);
}

.paid-landing-sidebar__cta {
  width: 100%;
  justify-content: center;
  margin-top: var(--space-5);
}

/* ── Micro-commit card ──────────────────────────────────────────────────── */
.lp-microcommit {
  background: rgba(255,255,255,0.98);
}

.lp-microcommit__eyebrow {
  font-size: var(--font-size-xs);
  font-weight: 600;
  letter-spacing: var(--letter-spacing-caps);
  text-transform: uppercase;
  color: var(--color-accent-hover);
  margin-bottom: var(--space-2);
}

.lp-microcommit__title {
  font-size: var(--font-size-xl);
  color: var(--color-primary);
  margin-bottom: var(--space-5);
  line-height: 1.2;
}

.lp-microcommit__select {
  font-size: var(--font-size-lg);
  padding-top: var(--space-4);
  padding-bottom: var(--space-4);
}

.lp-microcommit__btn {
  width: 100%;
  justify-content: center;
  margin-top: var(--space-5);
}

.lp-microcommit__error {
  display: block;
  font-size: var(--font-size-sm);
  color: #dc2626;
  margin-top: var(--space-2);
  font-weight: 500;
}

.lp-microcommit__legal {
  font-size: var(--font-size-xs);
  color: var(--color-text-muted);
  margin-top: var(--space-4);
  margin-bottom: 0;
  text-align: center;
}

.paid-landing-section {
  padding-top: var(--space-10);
}

.paid-landing-grid {
  display: grid;
  gap: var(--space-8);
  align-items: start;
}

@media (min-width: 1100px) {
  .paid-landing-grid {
    grid-template-columns: minmax(0, 1.5fr) minmax(290px, 0.7fr);
  }
}

.paid-landing-main {
  display: flex;
  flex-direction: column;
  gap: var(--space-8);
}

.paid-landing-quick-answer {
  margin-bottom: 0;
}

.paid-landing-steps h2,
.paid-landing-reassurance h2,
.paid-landing-faqs h2 {
  margin-bottom: var(--space-5);
}

.paid-landing-step-card,
.paid-landing-sidebar__card {
  height: 100%;
}

.paid-landing-form-block {
  scroll-margin-top: 96px;
}

.paid-landing-form-intro {
  margin-bottom: var(--space-6);
}

.paid-landing-form-block .wiz-progress,
.paid-landing-form-block .form-section {
  box-shadow: 0 12px 36px rgba(13, 31, 60, 0.12);
}

.paid-landing-reassurance__grid {
  gap: var(--space-5);
}

.paid-landing-sidebar {
  display: flex;
  flex-direction: column;
  gap: var(--space-5);
}

@media (min-width: 1100px) {
  .paid-landing-sidebar {
    position: sticky;
    top: 92px;
  }
}

.paid-landing-sidebar__small {
  margin-top: var(--space-3);
  font-size: var(--font-size-xs);
  color: var(--color-text-muted);
}

@media (max-width: 767px) {
  body.paid-landing .header-cta {
    display: none;
  }

  .paid-landing-hero {
    padding: var(--space-10) 0;
  }

  .paid-landing-hero__title {
    max-width: none;
  }
}

/* --------------------------------------------------------------------------
   22. Prose / Content Styling
   -------------------------------------------------------------------------- */
.prose h2 {
  font-size: var(--font-size-2xl);
  margin-top: var(--space-10);
  margin-bottom: var(--space-4);
}

.prose h3 {
  font-size: var(--font-size-xl);
  margin-top: var(--space-8);
  margin-bottom: var(--space-3);
}

.prose h4 {
  font-size: var(--font-size-lg);
  margin-top: var(--space-6);
  margin-bottom: var(--space-2);
}

.prose ul, .prose ol {
  margin-bottom: var(--space-5);
}

.prose ul li, .prose ol li {
  line-height: 1.7;
  margin-bottom: var(--space-2);
}

.prose ul li::marker { color: var(--color-accent); }

.prose a {
  color: var(--color-primary-mid);
  font-weight: 500;
  text-decoration-color: var(--color-accent-light);
}

.prose a:hover {
  color: var(--color-accent-hover);
  text-decoration-color: var(--color-accent);
}

.comparison-table {
  margin: var(--space-6) 0;
  border: var(--border-base);
  border-radius: var(--radius-md);
  background: var(--color-card);
  box-shadow: var(--shadow-card);
  overflow-x: auto;
}

.comparison-table table,
table.comparison-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 640px;
  font-size: var(--font-size-sm);
}

.comparison-table thead,
table.comparison-table thead {
  background: var(--color-primary);
  color: var(--color-white);
}

.comparison-table th,
.comparison-table td,
table.comparison-table th,
table.comparison-table td {
  text-align: left;
  vertical-align: top;
  padding: var(--space-3) var(--space-4);
  border-bottom: var(--border-base);
}

.comparison-table tbody tr:nth-child(even),
table.comparison-table tbody tr:nth-child(even) {
  background: var(--color-surface);
}

.comparison-table tbody tr:last-child td,
table.comparison-table tbody tr:last-child td {
  border-bottom: 0;
}

.comparison-table tbody td:first-child,
table.comparison-table tbody td:first-child {
  font-weight: 600;
  color: var(--color-primary-mid);
}

@media (max-width: 767px) {
  .comparison-table table,
  table.comparison-table {
    min-width: 560px;
  }
}

/* --------------------------------------------------------------------------
   23. Footer
   -------------------------------------------------------------------------- */
.site-footer {
  background-color: var(--color-primary);
  padding-top: var(--space-16);
}

.footer-main {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-8);
  padding-bottom: var(--space-12);
  border-bottom: 1px solid rgba(255,255,255,0.1);
}

@media (min-width: 768px) {
  .footer-main { grid-template-columns: 2fr 1fr 1fr 1fr; }
}

.footer-brand__logo {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  text-decoration: none;
  margin-bottom: var(--space-4);
}

.footer-brand__tagline {
  font-size: var(--font-size-sm);
  color: rgba(255,255,255,0.55);
  line-height: 1.65;
  margin-bottom: var(--space-5);
}

.footer-brand__contact a {
  color: var(--color-accent);
  font-size: var(--font-size-sm);
  font-weight: 500;
  text-decoration: none;
}

.footer-brand__contact a:hover { text-decoration: underline; }

.footer-col__title {
  font-size: var(--font-size-xs);
  font-weight: 600;
  letter-spacing: var(--letter-spacing-caps);
  text-transform: uppercase;
  color: rgba(255,255,255,0.4);
  margin-bottom: var(--space-4);
}

.footer-col__list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}

.footer-col__list a {
  font-size: var(--font-size-sm);
  color: rgba(255,255,255,0.7);
  text-decoration: none;
  font-weight: 400;
  transition: color var(--transition-fast);
}

.footer-col__list a:hover { color: var(--color-accent); }

/* Footer Trust / Legal */
.footer-trust {
  padding: var(--space-6) 0;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}

.footer-trust__text {
  font-size: var(--font-size-xs);
  color: rgba(255,255,255,0.38);
  line-height: 1.8;
  max-width: 800px;
}

.footer-trust__text a {
  color: rgba(255,255,255,0.55);
  text-decoration: underline;
}

.footer-legal {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  padding: var(--space-5) 0;
}

.footer-legal__copy {
  font-size: var(--font-size-xs);
  color: rgba(255,255,255,0.35);
}

.footer-legal__links {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-4);
  list-style: none;
  padding: 0;
  margin: 0;
}

.footer-legal__links a {
  font-size: var(--font-size-xs);
  color: rgba(255,255,255,0.45);
  text-decoration: none;
}

.footer-legal__links a:hover { color: var(--color-accent); }

/* --------------------------------------------------------------------------
   24. Utility / Misc
   -------------------------------------------------------------------------- */
.divider {
  border: none;
  border-top: var(--border-base);
  margin-block: var(--space-8);
}

.divider--gold {
  border-top: 2px solid var(--color-accent-light);
}

.badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-1);
  font-size: var(--font-size-xs);
  font-weight: 600;
  letter-spacing: 0.03em;
  padding: 4px 12px;
  border-radius: var(--radius-pill);
  background-color: var(--color-accent-light);
  color: var(--color-accent-hover);
}

/* Image Placeholders */
.img-placeholder {
  background: linear-gradient(135deg, var(--color-primary-light) 0%, var(--color-primary) 100%);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: var(--space-3);
  color: rgba(255,255,255,0.5);
  font-size: var(--font-size-sm);
  font-weight: 500;
  text-align: center;
  padding: var(--space-6);
}

.img-placeholder--hero {
  min-height: 280px;
}

/* Highlight box */
.highlight-box {
  background-color: var(--color-card);
  border: var(--border-base);
  border-radius: var(--radius-md);
  padding: var(--space-6);
  box-shadow: var(--shadow-card);
}

.highlight-box--gold {
  border-top: 3px solid var(--color-accent);
}

/* Checklist */
.checklist {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.checklist li {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  font-size: var(--font-size-base);
  color: var(--color-text);
  margin: 0;
}

.checklist li::before {
  content: '✓';
  display: flex;
  align-items: center;
  justify-content: center;
  width: 22px;
  height: 22px;
  min-width: 22px;
  background-color: var(--color-accent-light);
  color: var(--color-accent-hover);
  border-radius: var(--radius-pill);
  font-size: var(--font-size-xs);
  font-weight: 700;
  margin-top: 1px;
}

/* Skip link */
.skip-link {
  position: absolute;
  top: -100%;
  left: var(--space-6);
  z-index: 9999;
  background-color: var(--color-accent);
  color: var(--color-primary);
  font-weight: 600;
  padding: var(--space-3) var(--space-6);
  border-radius: var(--radius-sm);
  text-decoration: none;
  transition: top var(--transition-fast);
}

.skip-link:focus { top: var(--space-4); }

/* Print */
@media print {
  .site-header, .site-footer, .cta-placeholder, .trust-bar { display: none; }
  body { font-size: 12pt; }
}

/* ==========================================================================
   25. Loan Application Form — Multi-Step Wizard
   ========================================================================== */

/* ── Wizard Progress Bar ────────────────────────────────────────────────── */
.wiz-progress {
  display: flex;
  align-items: center;
  gap: 0;
  margin-bottom: var(--space-6);
  padding: var(--space-4) var(--space-2);
  background: var(--color-card);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-card);
  overflow-x: auto;
}

.wiz-progress__step {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-1);
  flex-shrink: 0;
  min-width: 80px;
  cursor: default;
}

.wiz-progress__bubble {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 2rem;
  height: 2rem;
  border-radius: 50%;
  background: var(--color-border);
  color: var(--color-text-muted);
  font-size: var(--font-size-sm);
  font-weight: 700;
  transition: background var(--transition-base), color var(--transition-base);
}

.wiz-progress__label {
  font-size: var(--font-size-xs);
  color: var(--color-text-muted);
  font-weight: 500;
  text-align: center;
  transition: color var(--transition-base);
}

/* Completed step */
.wiz-progress__step--done .wiz-progress__bubble {
  background: var(--color-success-bg);
  color: var(--color-success);
}
.wiz-progress__step--done .wiz-progress__label { color: var(--color-success); }

/* Active step */
.wiz-progress__step--active .wiz-progress__bubble {
  background: var(--color-accent);
  color: var(--color-primary);
}
.wiz-progress__step--active .wiz-progress__label { color: var(--color-primary); font-weight: 700; }

/* Connector line */
.wiz-progress__line {
  flex: 1;
  height: 2px;
  background: var(--color-border);
  align-self: flex-start;
  margin-top: 1rem; /* vertically centred on bubble */
  transition: background var(--transition-base);
}
.wiz-progress__line--done { background: var(--color-success); }

@media (max-width: 600px) {
  .wiz-progress__label { display: none; }
  .wiz-progress__step  { min-width: 40px; }
}

/* ── Wizard Steps ────────────────────────────────────────────────────────── */
.wiz-step { display: none; }
.wiz-step--active { display: block; }

/* ── Step pre-header (counter / heading / subtext) ──────────────────────── */
.wiz-step__counter {
  font-size: var(--font-size-xs);
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-primary);
  margin: 0 0 var(--space-2);
}

.wiz-step__heading {
  font-size: var(--font-size-2xl);
  font-weight: 700;
  color: var(--color-heading);
  margin: 0 0 var(--space-2);
  line-height: 1.2;
}

.wiz-step__subtext {
  font-size: var(--font-size-base);
  color: var(--color-text-muted);
  margin: 0 0 var(--space-4);
}

/* ── Consent step disclosure paragraph ──────────────────────────────────── */
.loan-form__disclosure {
  font-size: var(--font-size-sm);
  color: var(--color-text-muted);
  line-height: 1.6;
  margin: var(--space-4) 0 0;
}

/* ── Wizard Nav Buttons ──────────────────────────────────────────────────── */
.wiz-nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-top: var(--space-4);
  gap: var(--space-3);
}

.wiz-nav--first { justify-content: flex-end; }

/* ── Honeypot ─────────────────────────────────────────────────────────────── */
.wiz-honeypot {
  position: absolute;
  left: -9999px;
  top:  -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
  pointer-events: none;
}

/* ── Form wrapper ────────────────────────────────────────────────────────── */
.loan-form {
  position: relative;
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}

/* Global validation alert */
.loan-form__alert {
  background: #fef2f2;
  border: 1px solid #fca5a5;
  border-radius: var(--radius-md);
  color: #991b1b;
  padding: var(--space-4) var(--space-5);
  font-size: var(--font-size-sm);
}

/* ── Section card ────────────────────────────────────────────────────────── */
.form-section {
  background: var(--color-card);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-card);
  overflow: hidden;
}

/* ── Section header ──────────────────────────────────────────────────────── */
.form-section__header {
  display: flex;
  align-items: center;
  gap: var(--space-4);
  background: var(--color-primary);
  padding: var(--space-4) var(--space-6);
}

.form-section__number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 2rem;
  height: 2rem;
  flex-shrink: 0;
  background: var(--color-accent);
  color: var(--color-primary);
  border-radius: 50%;
  font-size: var(--font-size-sm);
  font-weight: 700;
  line-height: 1;
}

.form-section__title {
  color: var(--color-white);
  font-size: var(--font-size-lg);
  font-weight: 600;
  margin: 0;
  flex: 1;
}

.form-section__est {
  font-size: var(--font-size-xs);
  color: var(--color-accent-light);
  white-space: nowrap;
}

/* ── Section body ────────────────────────────────────────────────────────── */
.form-section__body {
  padding: var(--space-6);
  display: flex;
  flex-direction: column;
  gap: var(--space-5);
}

/* ── Form rows ───────────────────────────────────────────────────────────── */
.form-row {
  display: grid;
  gap: var(--space-4);
  align-items: start;
}

.form-row--3 { grid-template-columns: repeat(3, 1fr); }
.form-row--2 { grid-template-columns: repeat(2, 1fr); }
.form-row--1 { grid-template-columns: 1fr; }

@media (max-width: 768px) {
  .form-row--3,
  .form-row--2 { grid-template-columns: 1fr; }
}

@media (min-width: 769px) and (max-width: 1024px) {
  .form-row--3 { grid-template-columns: repeat(2, 1fr); }
}

/* ── Individual field ────────────────────────────────────────────────────── */
.form-field {
  display: flex;
  flex-direction: column;
  gap: var(--space-1);
}

.form-field__label {
  font-size: var(--font-size-sm);
  font-weight: 600;
  color: var(--color-text);
  letter-spacing: 0.01em;
}

.form-field__req { color: #dc2626; margin-left: 2px; }

.form-field__hint {
  font-size: var(--font-size-xs);
  color: var(--color-text-muted);
}

.form-field__input,
.form-field__select {
  display: block;
  width: 100%;
  padding: var(--space-3) var(--space-4);
  font-size: var(--font-size-base);
  font-family: inherit;
  color: var(--color-text);
  background: var(--color-white);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-sm);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
  appearance: none;
  -webkit-appearance: none;
  line-height: 1.5;
}

.form-field__select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='none' viewBox='0 0 20 20'%3E%3Cpath stroke='%236B7280' stroke-linecap='round' stroke-linejoin='round' stroke-width='1.5' d='M6 8l4 4 4-4'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right var(--space-3) center;
  background-size: 1.25rem;
  padding-right: var(--space-9);
  cursor: pointer;
}

.form-field__input:focus,
.form-field__select:focus {
  outline: none;
  border-color: var(--color-primary-mid);
  box-shadow: 0 0 0 3px rgba(26, 53, 96, 0.12);
}

.form-field__input::placeholder { color: var(--color-text-muted); }
.form-field__select--sm { padding-right: calc(1.25rem + var(--space-5)); }

/* DOB triplet */
.form-field__dob { display: flex; gap: var(--space-2); }
.form-field__dob .form-field__select { flex: 1 1 0; min-width: 0; }

/* ── Error states ─────────────────────────────────────────────────────────── */
.form-field--error .form-field__input,
.form-field--error .form-field__select {
  border-color: #dc2626;
  box-shadow: 0 0 0 3px rgba(220, 38, 38, 0.1);
}

.form-field__error {
  font-size: var(--font-size-xs);
  color: #dc2626;
  font-weight: 500;
}

/* ── Checkbox field ───────────────────────────────────────────────────────── */
.form-field--checkbox { flex-direction: row; align-items: flex-start; gap: var(--space-3); }

.form-field__checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  font-size: var(--font-size-sm);
  color: var(--color-text);
  cursor: pointer;
  line-height: 1.6;
}

.form-field__checkbox-label input[type="checkbox"] {
  flex-shrink: 0;
  width: 1.125rem;
  height: 1.125rem;
  margin-top: 0.2rem;
  accent-color: var(--color-primary);
  cursor: pointer;
}

/* ── Compliance notice ────────────────────────────────────────────────────── */
.loan-form__notice {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-left: 3px solid var(--color-accent);
  border-radius: var(--radius-sm);
  padding: var(--space-4) var(--space-5);
}

.loan-form__notice p {
  font-size: var(--font-size-sm);
  color: var(--color-text-muted);
  margin: 0;
  line-height: 1.6;
}

.loan-form__notice a { color: var(--color-primary-mid); font-weight: 500; }

/* ── Submit area ──────────────────────────────────────────────────────────── */
.loan-form__submit {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: var(--space-3);
}

.loan-form__submit-btn { display: inline-flex; align-items: center; gap: var(--space-2); }
.loan-form__submit-note { font-size: var(--font-size-xs); color: var(--color-text-muted); margin: 0; }

/* ── Slide-in animation for new step ─────────────────────────────────────── */
@keyframes wiz-slidein {
  from { opacity: 0; transform: translateX(16px); }
  to   { opacity: 1; transform: translateX(0); }
}
@keyframes wiz-slideback {
  from { opacity: 0; transform: translateX(-16px); }
  to   { opacity: 1; transform: translateX(0); }
}

.wiz-step--active { animation: wiz-slidein var(--transition-base) ease both; }
.wiz-step--back   { animation: wiz-slideback var(--transition-base) ease both; }

/* ── Apply page layout ────────────────────────────────────────────────────── */
.apply-page {
  padding-block: var(--space-10) var(--space-16);
}

.apply-page__inner {
  max-width: 900px;
  margin: 0 auto;
}

.apply-page__intro {
  margin-bottom: var(--space-8);
}

.apply-page__intro h1 {
  font-size: var(--font-size-2xl);
  color: var(--color-primary);
  margin-bottom: var(--space-3);
}

.apply-page__intro p {
  font-size: var(--font-size-base);
  color: var(--color-text-muted);
  line-height: 1.7;
  max-width: 65ch;
}

/* ── Thank-you page ───────────────────────────────────────────────────────── */
.thankyou-card {
  background: var(--color-card);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-card);
  padding: var(--space-10) var(--space-8);
  text-align: center;
  max-width: 600px;
  margin: var(--space-12) auto;
}

.thankyou-card__icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 4rem;
  height: 4rem;
  background: var(--color-success-bg);
  border-radius: 50%;
  margin-bottom: var(--space-5);
  color: var(--color-success);
}

.thankyou-card__title {
  font-size: var(--font-size-2xl);
  color: var(--color-primary);
  margin-bottom: var(--space-3);
}

.thankyou-card__body {
  font-size: var(--font-size-base);
  color: var(--color-text-muted);
  line-height: 1.7;
  margin-bottom: var(--space-6);
}

.thankyou-card__note {
  font-size: var(--font-size-sm);
  color: var(--color-text-muted);
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  padding: var(--space-4);
  margin-bottom: var(--space-6);
}

/* Wrapper */
.loan-form {
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: var(--space-6);
}

/* Global validation alert */
.loan-form__alert {
  background: #fef2f2;
  border: 1px solid #fca5a5;
  border-radius: var(--radius-md);
  color: #991b1b;
  padding: var(--space-4) var(--space-5);
  font-size: var(--font-size-sm);
}

/* ── Section card ───────────────────────────────────────────────────────── */
.form-section {
  background: var(--color-card);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-card);
  overflow: hidden;
}

/* Hidden / collapsible sections */
.form-expand {
  display: none;
}

/* ── Section header ─────────────────────────────────────────────────────── */
.form-section__header {
  display: flex;
  align-items: center;
  gap: var(--space-4);
  background: var(--color-primary);
  padding: var(--space-4) var(--space-6);
}

.form-section__number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 2rem;
  height: 2rem;
  flex-shrink: 0;
  background: var(--color-accent);
  color: var(--color-primary);
  border-radius: 50%;
  font-size: var(--font-size-sm);
  font-weight: 700;
  line-height: 1;
}

.form-section__title {
  color: var(--color-white);
  font-size: var(--font-size-lg);
  font-weight: 600;
  margin: 0;
}

/* ── Section body ───────────────────────────────────────────────────────── */
.form-section__body {
  padding: var(--space-6);
  display: flex;
  flex-direction: column;
  gap: var(--space-5);
}

/* ── Form rows ──────────────────────────────────────────────────────────── */
.form-row {
  display: grid;
  gap: var(--space-4);
  align-items: start;
}

.form-row--3 { grid-template-columns: repeat(3, 1fr); }
.form-row--2 { grid-template-columns: repeat(2, 1fr); }
.form-row--1 { grid-template-columns: 1fr; }

@media (max-width: 768px) {
  .form-row--3,
  .form-row--2 { grid-template-columns: 1fr; }
}

@media (min-width: 769px) and (max-width: 1024px) {
  .form-row--3 { grid-template-columns: repeat(2, 1fr); }
}

/* ── Individual field ───────────────────────────────────────────────────── */
.form-field {
  display: flex;
  flex-direction: column;
  gap: var(--space-1);
}

.form-field__label {
  font-size: var(--font-size-sm);
  font-weight: 600;
  color: var(--color-text);
  letter-spacing: 0.01em;
}

.form-field__input,
.form-field__select {
  display: block;
  width: 100%;
  padding: var(--space-3) var(--space-4);
  font-size: var(--font-size-base);
  font-family: inherit;
  color: var(--color-text);
  background: var(--color-white);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-sm);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
  appearance: none;
  -webkit-appearance: none;
  line-height: 1.5;
}

.form-field__select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='none' viewBox='0 0 20 20'%3E%3Cpath stroke='%236B7280' stroke-linecap='round' stroke-linejoin='round' stroke-width='1.5' d='M6 8l4 4 4-4'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right var(--space-3) center;
  background-size: 1.25rem;
  padding-right: var(--space-9);
  cursor: pointer;
}

.form-field__input:focus,
.form-field__select:focus {
  outline: none;
  border-color: var(--color-primary-mid);
  box-shadow: 0 0 0 3px rgba(26, 53, 96, 0.12);
}

.form-field__input::placeholder { color: var(--color-text-muted); }

/* Small select (used inside DOB triplet) */
.form-field__select--sm {
  padding-right: calc(1.25rem + var(--space-5));
}

/* DOB triplet wrapper */
.form-field__dob {
  display: flex;
  gap: var(--space-2);
}

.form-field__dob .form-field__select {
  flex: 1 1 0;
  min-width: 0;
}

/* ── Error states ───────────────────────────────────────────────────────── */
.form-field--error .form-field__input,
.form-field--error .form-field__select {
  border-color: #dc2626;
  box-shadow: 0 0 0 3px rgba(220, 38, 38, 0.1);
}

.form-field__error {
  font-size: var(--font-size-xs);
  color: #dc2626;
  font-weight: 500;
}

/* ── Checkbox field ─────────────────────────────────────────────────────── */
.form-field--checkbox { flex-direction: row; align-items: flex-start; gap: var(--space-3); }

.form-field__checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  font-size: var(--font-size-sm);
  color: var(--color-text);
  cursor: pointer;
  line-height: 1.6;
}

.form-field__checkbox-label input[type="checkbox"] {
  flex-shrink: 0;
  width: 1.125rem;
  height: 1.125rem;
  margin-top: 0.2rem;
  accent-color: var(--color-primary);
  cursor: pointer;
}

/* ── Compliance notice ──────────────────────────────────────────────────── */
.loan-form__notice {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-left: 3px solid var(--color-accent);
  border-radius: var(--radius-sm);
  padding: var(--space-4) var(--space-5);
}

.loan-form__notice p {
  font-size: var(--font-size-sm);
  color: var(--color-text-muted);
  margin: 0;
  line-height: 1.6;
}

.loan-form__notice a { color: var(--color-primary-mid); font-weight: 500; }

/* ── Submit area ────────────────────────────────────────────────────────── */
.loan-form__submit {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: var(--space-3);
}

.loan-form__submit-btn {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
}

.loan-form__submit-note {
  font-size: var(--font-size-xs);
  color: var(--color-text-muted);
  margin: 0;
}

/* ── Smooth reveal animation ────────────────────────────────────────────── */
@keyframes lf-fadein {
  from { opacity: 0; transform: translateY(8px); }
  to   { opacity: 1; transform: translateY(0); }
}

.form-section.form-expand[style*="display: block"],
.form-section.form-expand[style*="display:block"] {
  animation: lf-fadein var(--transition-base) ease both;
}

/* ── Apply page layout ──────────────────────────────────────────────────── */
.apply-page {
  padding-block: var(--space-10) var(--space-16);
}

.apply-page__inner {
  max-width: 900px;
  margin: 0 auto;
}

.apply-page__intro {
  margin-bottom: var(--space-8);
}

.apply-page__intro h1 {
  font-size: var(--font-size-2xl);
  color: var(--color-primary);
  margin-bottom: var(--space-3);
}

.apply-page__intro p {
  font-size: var(--font-size-base);
  color: var(--color-text-muted);
  line-height: 1.7;
  max-width: 65ch;
}

/* ── Thank-you page ─────────────────────────────────────────────────────── */
.thankyou-card {
  background: var(--color-card);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-card);
  padding: var(--space-10) var(--space-8);
  text-align: center;
  max-width: 600px;
  margin: var(--space-12) auto;
}

.thankyou-card__icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 4rem;
  height: 4rem;
  background: var(--color-success-bg);
  border-radius: 50%;
  margin-bottom: var(--space-5);
  color: var(--color-success);
}

.thankyou-card__title {
  font-size: var(--font-size-2xl);
  color: var(--color-primary);
  margin-bottom: var(--space-3);
}

.thankyou-card__body {
  font-size: var(--font-size-base);
  color: var(--color-text-muted);
  line-height: 1.7;
  margin-bottom: var(--space-6);
}

.thankyou-card__note {
  font-size: var(--font-size-sm);
  color: var(--color-text-muted);
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  padding: var(--space-4);
  margin-bottom: var(--space-6);
}